08/13/2009 - Dakota County Tribune Business Weekly

Dakota County TribuneAUGUST 13, 2009 VOLUME 30, NUMBER 24

Since 1884

DERRICK WILLIAMS

KARA HILDRETH

ERIN JOHNSON

Lakeville unlocks key to cooperation 2AHousing development turns to garden 7AHealth club promotes micro businesses 9A

dakotacountytribune.biz

B U S I N E S S w e e k l y

Central Village delays, recession hit local businesses

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Frontier Communications plan to expand could mean more jobs for itsBurnsville operations.

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Proper bookkeeping procedures can help a business remain focused on goals and plan for the future.

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by Jessica HarperDAKOTA COUNTY TRIBUNE

Many people had high hopes for Apple Valley’s Central Village when the project first began seven years ago. However, what was envisioned as a thriving retail and residential district on Galaxie Avenue and 153rd Street is now considered a difficult place for businesses to sur-vive. Eleven businesses have closed in the two-block area over the last three years, and several local en-trepreneurs say the recession and planning pitfalls are to blame. “The area has not developed in a way that’s particularly conducive to our business,” Enjoy restaurant owner Dan Shimek said. The Apple Valley City Council approved a master plan in 2002 to create a walkable downtown retail and residential area called Central Village. The plans consisted of two ma-jor projects, Founders Circle on the west side of Galaxie Avenue and

Legacy on the east side.

Legacy North, South The Hartford Group planned to create Legacy, which is divided by 153rd Street. Plans for Legacy South were approved by the City Council in 2002 and included 91,000 square feet of commercial space and 521 residential units. The intended residential por-tion of the project was comprised of 105 townhomes, 280 apartment units and 136 senior apartment units. Legacy North was approved two years later. Plans included 506 residential units and 222,000 square feet of commercial space. The residential portion was going to be comprised of townhomes, senior housing and apartments.

Founders Circle In 2006, the City Council ap-proved Pedersen Ventures’ plan to create Founders Circle between

Galaxie Avenue and Garrett Av-enue. Initial plans consisted of 195,000 square feet of commercial space and 517 upscale condomini-ums. The commercial plans consisted of seven buildings, including a re-tail complex called the Village and the Grand Stay Hotel. In 2008, the project was scaled back to 449 condos and 171,000 square feet of commercial space. That same year, the Hartford Group changed its Legacy North plans to add a four-story memory care facility. The developer also hopes to increase the number of residential units to 598, and scale back the square footage of commercial space to 73,400, Apple Valley Assistant City Planner Kathy Bodmer said. “They had to modify plans over time to deal with market condi-tions and reality,” she said. The square-footage changes have not yet been reviewed by the City

Photo by Jessica Harper

What was intended to be a mixed-use building on the corner of Galante Lane and 153rd Street in Apple Valley’s Central Village re-mains an empty lot.


Local business owners had hoped Founders Circle would be com-pleted in five to 10 years. However, the would-be shops and condos are nothing more than empty lots.

Some say Apple Valley’s ‘heart of the city’ has stalled, others see potential

See Recession, Page 40A

LARRYWERNER

STACEYACKERMAN

CARIESTATZ

2A August 13, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY

by Derrick WilliamsDAKOTA COUNTY TRIBUNE

Dave Olson said he’s been approached by other communities interested in capturing Lakeville’s suc-cess. But to this point, there isn’t another community, at least not in Dakota County, that’s been able to recapture the unique success that the Downtown Lakeville Business Association has managed. “Other communities have contacted us about the (DLBA) – looking to learn more about how it’s done here. Other cities want to create similar organizations,” said Olson, Lakeville’s com-munity and economic de-velopment director. “But at the end of the day, I suspect businesses in those commu-nities aren’t willing to pay for it.” That’s what makes the DLBA such a unique entity, Olson said. In the summer of 1998, looking to bolster an orga-nization to help promote and revitalize Lakeville’s downtown, business own-ers petitioned the city to tax them. As a result, the Lakev-ille City Council created a taxing district, which now serves as the main source of DLBA funding. “It’s not common to find businesses willing to tax themselves,” Olson said. Today, the DLBA re-ceives $27,000 annually from the taxing district, through which the city as-sesses commercial property owners a sum based on the tax capacity of their proper-ties. Most of those taxes are handed down by property owners to the businesses that lease space in buildings assessed the tax. The DLBA was created in 1996, Olson said, and began trying to start revitalization efforts along Holyoke Av-enue, Lakeville’s downtown main street. Soon, Olson said, busi-ness owners realized they needed a funding source. “It’s hard to start doing things unless you have a budget in place,” he said. The creation of the tax district wasn’t unanimous, but it was supported by more than 75 percent of business owners. In the 11 years since the district was approved, many things have changed, ac-cording to DLBA director Judy Tschumper. In 1998, one of the main goals of the DLBA was to balance the number of re-tail and service-based busi-nesses, which was lopsided in favor of services.

“And that’s happened,“ Tschumper said. Today, the main purpose of the organization is less centered on revitalization and more on promotion, Ts-chumper said. “The main role (of the DLBA) today is promotion of the downtown and bring-ing people down here,” Ts-chumper said. The DLBA hosts a num-ber of events throughout the year, including the St. Paul Farmers’ Market, Wednes-days on Main, the Harvest-

Festival, the Lakeville Arts Festival, Holiday on Main and more. “We can tell, and so can the business owners here, that events downtown drive business,” Tschumper said. Olson said the DLBA has done a great job promoting the downtown environment to businesses. “I got to believe (the DLBA) is helping create an environment where business-es want to come,” Olson said. Jean Kemmer, who co-owns Isabella Collections, a

women’s boutique in down-town Lakeville, said she and her business partner made the move to down-town largely because of the DLBA and the benefits it provides. “We were kind of on our own in our old place,” Kem-mer said of her old store lo-cated in a strip mall just off Kenrick Avenue near Inter-state 35. “There was no net-working – at least not like we have downtown.” And Kemmer said she’s noticed another benefit.

“There’s so much net-working between business-es,” Kemmer said. “It’s won-derful.” Tschumper said the net-working has occurred be-cause the 70 DLBA mem-bers are cohesive and like working together. “It’s a consortium of these 70 businesses and they’re not really competing against one another, but working as a group,” Tschumper said. “The retailers are a prime example. They’re finding creative ways to get folks downtown and into each other’s shops.” One such way is through an event called “ladies night out,” where the boutique owners and a few other busi-nesses are staying open lon-ger and encouraging women to shop downtown. “As a business owner, having the support of both the DLBA and other, simi-lar businesses is beneficial,” Kemmer said. “It’s nice to have a promoter, because, as a business owner, I simply don’t have the time to do it myself.” Both Kemmer and Ts-chumper feel the DLBA’s model would be advanta-geous for other communi-

ties. “Seeing the power of a small group is rather ex-citing,” Tschumper said. “An organization like (the DLBA) is so totally differ-ent than the benefits you get through something like the chamber of commerce. They’re nothing alike.” Tschumper said chambers are too broad to do what the DLBA does. “The chamber is great and it certainly has its role in how it can benefit busi-nesses, but its mission is dif-ferent,” Tschumper said. While business owners seem to be happy with the DLBA, not all participate, Tschumper said. “Some owners say they like how we’re handling things and that they chose not to be involved,” she said. “That’s fine, but we’d always ask for the participation.” Kemmer said it’s hard not to participate. “I’ve never been a part of a group like this,” Kemmer said. “The group is always looking – always trying to help. It makes you want to be more involved.”

Derrick Williams is at [email protected].

Tax district helps local small businesses succeedAfter 11 years, Downtown Lakeville Business Association still a unique entity in county

For more information on the Downtown Lakeville Business Association, contact Judy Tschumper at e-mail [email protected], call (952) 985-0517 or go online at /www.downtownlakeville.com.The association includes about 70 member businesses. The executive board includes: Nancy Smith, president; Paul Haglund, vice president; Mark Hotzler, director; Peter Falanga, director. The advisory board includes: Rod Borg, Scott Bakos, Amy Povroznik, Jon Koznick, Annie Hertaus and Candy Retka.

In Brief

Photo by Derrick Williams

Downtown Lakeville’s main street, Holyoke Avenue, also serves as the home to the Downtown Lakeville Busi-ness Association, an organization dedicated to promoting downtown business and keeping the shops viable. Funding for the organization is provided through a taxing district, limited to downtown businesses.

Archive photo

The Downtown Lakeville Business Association organizes many events throughout the year to attract people to the downtown area. Events include the St. Paul Farmers’ Mar-ket, above, the Downtown Dash, below, Wednesdays on Main and Holiday on Main. The events help promote downtown businesses, says the organization’s director Judy Ts-chumper.

DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY August 13, 2009 3A

Buzz

People, places and pursuits creating buzz in Dakota County business

this week as submitted by the local business community

Submissions to Buzz: www.DakotaCountyTribune.biz

Moving Up Business Briefs Business BriefsAccolades

Noteworthy

Submission to Buzz The Dakota County Tribune Business Weekly includes promotions, new hires, retirements, awards and other such business news on the Buzz page. If you have an announcement you would like included in this part of the newspaper, send submissions by e-mail to [email protected], fax to (952) 846-2010 or mail it to the Burnsville office at 12190 County Road 11, Burnsville, MN 55337. When sending a photo by e-mail be sure that it is 200 dpi or greater. Include a daytime phone number if someone from the newsroom needs to contact the business for additional information. Deadline is 5 p.m. Friday prior to Thursday edition. Submission of information does not guarantee publication. All items are subject to editing. Tips on what to include in the submission are: names, titles, dates, business name, brief description of the news taking place, brief description of the business, contact names and numbers.

CINDI THELENNamed multimedia sales agentat Thisweek Newspapers and the Dakota County Tribune Business WeeklyBurnsville

Cindi Thelen of Lakeville has joined Thisweek Newspapers and Dakota County Tribune Business Weekly as a multimedia sales agent. As a multimedia sales agent Thelen will work with Burnsville and Eagan clients to prepare a marketing/advertis-ing campaign that best fits their business needs. Thelen can be contacted at (952) 846-2029.

APPLE VALLEY RE/MAX REALTORS EARN NEW DESIGNATIONRE/MAX Results, Apple Valley

Eight agents with RE/MAX Results in Apple Valley have earned the Certi-fied Distressed Property Expert des-ignation from the Distressed Property Institute, LLC. They are Jeff Anderson, Jyoti Choudhari, Stephanie Danek, Ste-ven Fiorella, Michael Gardner, Denise Husnik, Jeff Wall and John Wedel. The CDPE course offers licensed agents the tools and knowledge necessary to ef-ficiently and effectively help homeown-ers in distress avoid foreclosure and sell properties.

REVISED EDITION HELPS PEOPLE FIND EMPLOYMENT AT HOME

Live Oak Publications, an imprint of Finney Company based in Lakeville, has published the 10th edition of “The Work at Home Sourcebook” by Lynie Arden. This directory is touted as containing information not found in any other book on the subject and is the only book that gives specific information for finding, applying for, and getting home work with more than 1,000 companies that routinely hire qualified home workers. Contact information, job descrip-tions and requirements, and details on pay and benefits are included. Other chapters cover handicrafts, franchises, telecommuting, learning how to work at home, and ideas for businesses that can be started from home with a minimal investment. It can be ordered by calling Finney Company at (800) 846-7027, visit-ing www.workathomesourcebook.com. Trade and resale customers can purchase this title through Publishers Group West.

NEWEST CITY LIQUOR STORE AWARDED FOR BEING GREEN

Apple Valley’s latest municipal liquor store on 157th Street and Pilot Knob Road recently received a “green globe” award from the Green Building Initia-tive for its energy-saving features. “I’m excited about our city being a leader in energy efficiency,” Mayor Mary Hamann-Roland said. “It’s the way we should grow in the future. Being green is true conservatism.” Environmental sustainability is one of the city’s core values, she said, which is why the council decided to pursue green features in the liquor store. The store, which opened last Novem-ber, features a green roof, energy-efficient windows, and geothermal heating and cooling. The geothermal heating and cooling system takes energy from the ground and uses it to heat the building in the winter and cool it in the summer, and to keep the coolers cold. Heat that is released by the liquor coolers is used to heat the building as well. The white reflective roof keeps the building cool in the summer, while a plant-covered awning absorbs water, pro-vides insulation and helps lower urban air temperatures.

– Jessica Harper

M&I COLLECTS MORE THAN 60,000 BOOKS FOR CHILDREN M&I Bank, which has a location in Apple Valley, collected 66,000 books and more than $5,000 in donations in support of Read Indeed, a local children’s literacy program. Members of the com-munity and M&I Bank customers and employees donated new and gently used children’s books at M&I Bank’s 27 Min-nesota locations and two in Wisconsin. The Read Indeed program began in 2007 when Maria Keller, a fourth-grader from Minnesota with a passion for read-ing, set a goal to collect and distribute one million books to needy children before she turns 18 years old. Books have been distributed to Minnesota students through the Eagan Resource Center as well as to various lo-cal non-profits and teachers. Thousands of books will also be sent to poverty stricken schools.

DEMOLITION TO BEGIN ON REMAINING VACANT BUILDINGS

Several of the remaining vacant build-ings in the Cedar Grove redevelopment area now owned by the city are sched-uled to be torn down this fall. Nine total structures – including the “Cedarvale” pylon sign that marked the area for decades – are set to be bulldozed between Labor Day and the end of Oc-tober. The Community Development Agency will oversee the demolition. Properties to be razed include: • former Plourde Sales; • former Sherwin Williams; • former Superior Paint and Collision; • former Rudy’s Automotive and Sinclair; • former Self Serve Car Wash; • former office condominiums; • former Shell gas station; • former Eagan Tap; and • Cedarvale pylon sign. The existing laundromat and Medi-terranean Cruise Cafe buildings will be demolished in a separate phase, possibly by the end of the year, Director of Com-munity Development Jon Hohenstein said. The demolition will make way for a planned urban village, to be located east of Cedar Avenue along Highway 13. The project has hit some roadblocks in recent years as a result of the recession, a downturn in the housing market, and a court battle with some area businesses.

– Erin Johnson

EDWARD JONES HAS INVESTMENT CLUB SEMINAR FOR WOMEN

Local financial advisor Stacey Brown will host an investment club seminar for women at 6 p.m. Aug. 20 at Edward Jones, 3420 150th St. W., Suite 103, Rosemount. The seminar, which will meet the third Thursday of each month, is de-signed for women interested in learning about investing matters, building wealth and building friendships. While the seminar is free, seating is limited. For reservations, call Jonay or Kate at (651) 455-0319.

ROSEMOUNT PASSES ORDINANCE REGULATING SOME BUSINESSES

Entrepreneurs interested in bring-ing an arcade, billiard hall or dance club to Rosemount will now have to apply for a license. On Aug. 3, the Rosemount City Council unanimously approved an ordinance requiring these types of businesses to obtain a special license that needs to be renewed annually. The ordinance was first proposed last month after Rosemount resident Skylar Rekstad presented plans last June to create a teen night club in the former Irish Loon and Big Daddy’s space. Rekstad said he was discouraged by the council’s decision and may not move forward with his plans to create Solaris Night Club. Application fees for a license vary by business. A license for an arcade costs $15 per location and $15 per machine, while an annual license for a billiard hall or dance club is $800. For more on this story, go online at www.ThisweekLive.com.

– Jessica Harper

Business Briefs


point a customer and they dis-connect,” she said in an inter-view. “The high-touch service is a way to make sure you keep the customer satisfied and de-lighted with what you’re deliv-ering and they pay you money for those services.” She told the chamber mem-bers that Frontier isn’t waiting for the federal government to take broadband to rural Amer-ica, as it’s promised to do. “Frontier has been expanding broadband reach and capacity in Minnesota for more than five years,” she said. Wilderotter’s day in Dakota County was filled with energy and hope for more jobs and a bigger role for Burnsville in

the expansion of high-speed Internet service nationwide. If it happens as Wilderotter says it will, we’ll all be celebrating. But even if it doesn’t, it was good in this time of economic malaise to hear a national business leader talk about increasing employment and business expansion. As the motivational speakers like to say, the hardest part of making $1 million is believing you can. Clearly, the CEO of Frontier believes she can triple the size of her company and take broadband service to much of rural America in the process.

Larry Werner is editor and general manager of the Dakota County Tribune and Thisweek Newspa-

pers. He is at [email protected].

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Commentary and opinion regarding issues

in the world of business and public policy

Submissions to Forum: www.DakotaCountyTribune.biz

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General Manager, Editor ...... Larry Werner

Managing Editor .....................Tad Johnson

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Dakota County TribuneBUSINESS WEEKLY

Office Hours:9 a.m. - 5 p.m. Monday - Thursday

9 a.m. - 3 p.m. - Friday

by Don HeinzmanDAKOTA COUNTY TRIBUNE

The Metropolitan Coun-cil has come a long way since its beginning when most counties and cities in the sev-en-county area did not trust it. The Council was started in 1967 when needed services such as water, sewer, plan-ning and regional parks transcended the boundaries of seven counties and over 300 cities and towns. A fierce debate raged over whether the council should be elected or appointed. Many cities and counties feared a seven-county elected body would take over exist-ing local services. Still, others argued that an elected council was needed to be ac-countable to the people. One of the contentious issues was that under an elected council a metropolitan po-lice force would emerge. The Minnesota Legislature created the council by having the governor appoint council members from representative dis-tricts. Eventually, the council took over opera-

tions of water and sewer and transportation, while holding off critics who said those who operate and tax should be elected. Recently the council and Anoka County and its city officials heard a report from Council President Peter Bell and it was a love fest. Speakers praised the council. Minds and attitudes about the coun-cil have been changed by results: well-run sewer and water systems, delicately handled boundary disputes, an appreciated regional park system, an efficient transportation sys-tem. For awhile, the northern region of the seven-county area felt cheated, particularly after much study, the region lost the loca-tion of a new Metropolitan airport. While not involved directly, the North-ern Region was disappointed in its futile attempt to build a football stadium for the Minnesota Vikings in Anoka County. Most of all, however, the council had money and influence, since most federal grants cycled through it.

The council played a role in bringing the Northstar Commuter rail to the northern region, spurred by the success of its Hi-awatha Light Rail system in Minneapolis. Bell predicts the Northstar will be “hugely” successful when it starts in late November. Anoka County also will receive nearly $30.5 million in regional and state stimulus fund money. Bell informed officials that through the council 47 Livable Communities awards worth nearly $13 million were funneled to Anoka County communities. Part of the credit for improved relations with counties and cities should go to Bell and the tone he set for cooperation when he took over as council chair. The council has come through some rough political waters but judging from the last dialogue with Anoka County, it’s on the right course.

Don Heinzman is chairman of the ECM Publishers Inc. Editorial Board.

Thisweek Newspapers and the Dakota County Tribune are part of ECM.

He is at [email protected]. Columns reflect the opinion of the author.

Met Council wades through turbulent waters but on course

by Larry WernerDAKOTA COUNTY TRIBUNE

It was warm in Lakeville last Thursday, but in the ballroom at the Holiday Inn, Chamber of Commerce mem-bers were listening to jokes about cold Minnesota winters. Maggie Wilderotter, chairman and CEO of Frontier Communications, was in town for a whirlwind visit to employees and cus-tomers in the Dakota County communities served by the phone-Internet firm. During a reception for Lakeville chamber members, she was saying she’ll need more mittens for what promises to be more visits to Minne-sota in the future. That’s because Frontier is tripling in size, which means its Central Region, with headquarters in Burnsville, will be getting bigger. In fact, Wilderotter said in an inter-view, the Central Region will soon be the size of Frontier’s entire company today, if shareholders and regulators approve a bet the company has made by acquiring a big chunk of Verizon Communications. Frontier, which serves a large portion of Dakota County, rural communities through-out Minnesota and in a dozen other states, has agreed to an $8.6 billion stock deal that will add 11,000 employees and 4.8 million phone-line customers in 14 other states. The Burnsville office, which now serves about 890,000 Frontier customers, will be responsible for about 2.5 million customers if the Verizon deal is approved. “This is our regional headquarters for the Central Region, and we are going to ex-pand the Central Region with the Verizon acquisition to be the size of Frontier today,” Wilderotter said in an interview before presiding over the reception last Thursday. “This gives John (Lass, general manager of the region) the opportunity to expand jobs in Burnsville from a regional perspective.” During her two days in Dakota County, Wilderotter and other company executives

talked to local business folks, government officials and employees about how Frontier’s planned expansion will be good for the lo-cal economy and local community organiza-tions. Following an employee meeting Thurs-day morning at the Burnsville Performing Arts Center, Wilderotter presented $2,000 to the Community Action Council from proceeds of the Frontier Donate campaign. Wilderotter said it will be several months before Frontier knows what impact the Ve-rizon deal will have on Minnesota employ-ment. The 11,000 Verizon employees being added are front-line workers serving the customers in the states where Frontier is ac-quiring land-line customers. So they’ll stay in place, she said. What will be determined after the acquisition is completed, she said, is how many more folks will be needed at the regional headquarters in Burnsville to provide service to the much larger Central operation. The acquisition, Wilderotter told the Lakeville chamber members, will make Frontier the largest rural-oriented phone company in the country and the fifth-larg-est overall. At the chamber meeting and at the employee meeting Thursday morning, the former Microsoft executive explained that the Verizon move is a big bet on Frontier’s ability to sell broadband services in the rural areas it’s acquiring. In an interview, she said 92 percent of the households in the current Frontier mar-ket have broadband service. Only about 60 percent of the households in the areas being acquired have broadband, she said. So why does Frontier think it can expand broadband where Verizon hasn’t? “They had different priorities,” the Fron-

tier CEO said of Verizon. “Their No. 1 pri-ority is Verizon Wireless – investing capital in their wireless network. Their No. 2 prior-ity is fiber to the home.” She said those tend to be urban services. “So they haven’t had enough capital to extend those (rural) markets. Whereas, rural is our only business.” She said the new customers being ac-quired are “an excellent opportunity” to make money by selling broadband and vid-eo through the company’s partnership with DirectTV. At the employee meeting early in the day, Wilderotter emphasized that Frontier’s commitment to customer service, which in-cludes sending a service person to the home when broadband is sold, will be extended to the former Verizon customers. “We have a very healthy culture focused on customers,” she told the Burnsville em-ployees. She said it will not be too expensive to provide high-touch service to 4.8 million new customers. “What’s expensive is when you disap-

Frontier expansion is good for Dakota CountyTribune Columnist

Photo by Rick Orndorf

Frontier CEO Maggie Wilderotter presented a check to the Community Action Council, based in Burnsville, during a Thursday, Aug. 6, ceremony at the Burnsville Performing Arts Center.

Tribune Columnist


Best Practices

by Tripp ParkerSPECIAL TO THE TRIBUNE

S t r o n g bookkeeping processes and procedures are essential to any business. Without them owners will not have the data necessary to run, manage, and grow their businesses. It is equally important to have a qualified bookkeeper or accountant with a solid understanding of account-ing principles, financial statements and business op-erations. Additional experience, qualifications and certifica-tions are helpful, but they come at a price, so weigh them with the value of the expected outcomes. As a business owner, de-termine what information you need and how strategic you consider your account-ing function to be for man-aging and understanding your business. Accounting is of critical importance to managing a business. In small and start-up situations, it can often be a

wise decision to outsource such non-value-added ac-tivities. Ask yourself how valuable your time is (what your hourly bill rate is, for example), as the answer should empower you to make decisions for resource allocation. I tell clients to focus on what they do best and outsource other activi-ties. Backing up data, keeping good records and filing are important tasks and each business should determine how often such tasks should take place. Ask yourself how much time you would want to spend re-entering data, call-ing vendors and creditors, and generally putting out “fires.” Many businesses do not have the time or resources to quickly re-tool if data is lost or systems are down, so ensure you are prepared to handle such situations. I strongly recommend off-site backup of data on a regular basis. Another important re-source is a qualified and ex-

perienced tax preparer. They are critically impor-tant to ensuring tax returns are prepared correctly; this includes payroll, income, and sales tax. Missing a deadline, filing incomplete data, or just not reporting correct informa-tion can be costly, both in terms of fees and charges and the potential impact on client relationships should news leak. In addition, they are an extremely valuable tool in many tasks and activities that a business faces. Make sure to interface with them and establish parameters for the relationship. Keep track of your communication with them. They can help you grow your business and network with other professionals. They will also keep you out of trouble with the tax au-thorities; just make sure you do your research and get re-ferrals. What follows is a list of suggested activities for a good bookkeeping system: • Print checks – estab-

lish set dates from issuing checks. • Direct deposit and e-mail paystubs. This saves time and money. Many em-ployees appreciate getting their payments this way as it avoids the time of going to the bank. In addition, this is a secure way to make pay-ments. • Print deposit sum-maries to attach to bank receipts. This ensures good record keeping. • Get online access to bank accounts and credit card statements. This doesn’t mean you have to stop paper statements, but it will speed up many activities and it empowers you with better real-time data on balances. • Pay all payroll taxes on-line. In some cases this may not be required; however, it saves time and money. Ad-ditionally, you will have a way to track activities. • Use bill pay through bank account to save time and money. This also pro-vides a valuable tool for managing your cash needs. • E-mail invoices/state-ments to customers; this is another time and money saver. A printed version can

be filed for future reference or if a sales tax audit were to result and detailed records were needed. • Always obtain a W-9 before allowing a subcon-tractor to perform work. This is good business prac-tice and can help you avoid costly problems in the fu-ture. • Obtain a copy of gen-eral liability coverage when applicable. In businesses where such coverage is im-portant this will protect you from potential liability. • Make up/post a sched-ule of tax deadlines for all taxes and forms. If you out-source this activity make sure to establish expecta-tions with your vendor. • Organize pending files for payables and receivables by name. • Organize paid invoic-es/check stubs and file by customer name. • Organize paid bills/check stubs and file by ven-dor name. This provides a quick and easy way to access information should a dis-pute arise. Many companies manage expenses by type (office supplies, etc.) versus vendor. Most accounting

programs provide multiple ways of reporting and man-aging expenses. • Organize personnel files by employee name for ease of access. • Create payroll tax files for each type of tax: 941, State withholding, 940, SUI. • Use Smead Viewable tabs for your files. This will give you the easiest view of files and allow for quick ac-cess. • File with newest trans-actions in front. This gives you the quickest access to the most relevant data. • Box up/store each year’s files after tax returns have been filed. Clearly mark boxes and store them in a dry location. The above are suggestions and may not be exhaustive, but they should give you the basis for establishing and maintaining a solid book-keeping system.

Tripp Parker is president and chief acceleration off icer of

Accelerato LLC, Intentional Business Intelligence. He can be reached at

www.acceleratolive.com.

Proper bookkeeping keeps business running smoothlyGuest Columnist

by Stacey AckermanSPECIAL TO THE TRIBUNE

What is caf-feinated mar-keting? It’s a buzz reaction we get when business is down. This buzz reaction causes us to do crazy things in our business that we wouldn’t ordinarily do if we were thinking with a clear head. Some buzz marketing that I’ve observed from my clients (and have been guilty of myself

from time to time) involves: • Calling everyone you know and begging and plead-ing for business, even if they are not likely buyers for your service. “I know you don’t own a house, but you must need a mortgage today”. • Signing our lives away to the next advertising rep that walks through the door. You give the rep a big hug and plead for help – after all, you need sales now! The ad guys love this, but your wallet may

regret it later. • Frantically waiting for the phone to ring. And wait-ing. And waiting. • Sending out direct mail flyers to everyone with a pulse and being disappointed by the .000000001 percent return rate. If you’ve experienced any of these caffeinated marketing reactions, you’re not alone. We live in an instant gratification society and when business doesn’t accelerate overnight,

we feel defeated. But remember, caffeinated marketing is bad for business. It causes us to lose focus of our long-term goals and objec-tives. We seem to forget why we’re in business in the first place and succumb ourselves to desperation. Caffeinated marketing also makes us spend money unwisely, by buying reactively. There is no one magic ad-vertising vehicle that will in-stantly grow your business. If it were that easy, I’d be writ-ing this article from my beach house in Tahiti.

My colleagues hear me say this way too often, but “marketing is a process, not a project.” I can’t emphasize this statement enough. You can’t put an ad in the paper today and call it marketing. Marketing is a process of understanding your position in the marketplace, identify-ing the people that need your service and finding the right mix of tools to reach those people. Over. And over. And over again. Consumers today have more choices than ever before. You need to have a strategic

plan in place to know how to reach them most effectively, and carry out this plan during all cycles of your business. Keep sipping away at your marketing efforts, and you’ll be on your way to having de-caf marketing.

Stacey Ackerman, runs Small Business Builders, a

marketing consulting business. She is a speaker, writer and instructor on small business

marketing. She can be reached at sackerman@smallbusiness

builders.com.

Decaf marketing: Avoid the buzz that causes reactive marketing and costs a fortuneGuest Columnist

by Kerry SinghSPECIAL TO THE TRIBUNE

We have all worked with co-workers who were rude. You know the type. They inter-rupt someone’s conversation, tell a questionable joke, barge into someone’s office, leave the copier with a paper jam, and interrupt a meeting with the ringing of their cell phone. These people may know their jobs inside and out, but because they lack manners or business etiquette their careers may suffer. Business etiquette brings social skills to the workplace. These social skills or protocol,

as they are sometimes called, give you confidence so that you can interact with people and situations in a courteous and professional manner. The way you interact with others has a major effect on your credibility and advance-ment potential. Treating oth-ers with professionalism and respect builds positive rela-tionships with customers, cli-ents, and co-workers. One of the most common business-etiquette missteps people make is not introduc-ing others properly. A simple method for making proper business introductions is the

ABC Method, according to the book “Business Etiquette.” Here is how it works: A=Authority – Say the name of the person who holds the position of most authority or importance first. This ap-plies regardless of gender or age. For example, Mr. Vice President, I’d like you to meet Ms. New Employee. B= Basic – Say the person’s name only once. You don’t need to say, Mr. Vice President, meet Ms. New Employee. Ms. New Employee, meet Mr. Vice President. That’s too confus-ing. C=Clarify – Provide some

information about the per-son you are introducing. For example, Mr. Vice President, I’d like you to meet Ms. New Employee. She comes to us from ABC Company where she worked for two years. Mr. Vice President took over as our head of marketing last Febru-ary. Of course, there are many other rules of protocol you should know and follow to be successful in the workplace. It is also important to be aware that these rules are dynamic based on geographical differ-ences, cultural differences, and corporate climate. Here’s a short self test to determine what social skills you need to improve. Answer “yes” or “no” to the following

questions: • I introduce myself to people I don’t know in a busi-ness setting. • I stand up and shake hands with people I am intro-duced to regardless of my gen-der or age. • When visiting another office, I wait for the host to indicate a chair before I sit down. • I don’t answer a telephone call in a meeting unless it is an emergency. • I acknowledge others when they join the group. • I am careful not to bother others when using my cell phone. • I don’t interrupt others when they are speaking. • I am aware of how to act

at an office party. • I greet each person I meet in the workplace. • When bringing some-one to my office, I know who opens the door and who enters the elevator first. Take a look at your “no” responses. These are areas to brush up on. In short, good manners at work can help you advance your career and enhance your professional image. Being aware of and following ap-propriate business etiquette reflects positively on both you and your organization.

Kerry Singh of Lakeville is a corporate trainer, consultant,

and speaker. She can be reached at [email protected].

Business etiquette affects personal credibility and career successGuest Columnist


Business 101��

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by Carie StatzSPECIAL TO THE TRIBUNE

In tough economic times, businesses of-ten struggle to discover ways to effectively and economi-cally reach out to existing customers or clients while simultaneously working to generate new business. One of the best meth-ods around is still direct marketing, which involves sending your message di-rectly to your customers and prospective customers without intervening media such as radio or TV. Direct marketing, which usually takes place through tradi-tional mail, e-mail or over the phone, also includes an explicit call-to-action. Proven direct marketing methods continue to pro-vide positive results. The foundation of success in any direct marketing campaign

is the capacity to maintain a strong database of clients and prospects. Databases can range from simple – containing only basic information such as name and address – to sophisticated, which might include purchasing history and more detailed demo-graphic data as well as any other pertinent identifying information. Continually adding new records while updating your customer information is crucial to maintaining the accuracy and currency of your database. A number of data quality solutions ex-ist to help you update and maintain your client infor-mation at a reasonable cost. When employing di-rect marketing via the U.S. Mail, you may want to con-

sider using CASS-certified ZIP + 4 processing, a sys-tem that increases the qual-ity of your address data and standardizes your delivery addresses. Ultimately, ZIP + 4 improves the deliver-ability of your direct mar-keting mailings. Michael Harris, a direct marketing specialist with Aldata Corporation in Ap-ple Valley, recommends a range of USPS options to help reduce mailing costs by correcting, checking and validating the information you have in your existing database. Four of Harris’ top recommendations are: • Address Element Cor-rection (AEC) • National Change of Address (NCOA) • Delivery Sequence File Second Generation

(DSF2) • Duplicate Data Elimi-nation (DDE) “These options allow you to mail out at the low-est possible rate charged by the U.S. Postal Service and eliminate duplicate mail-ings,” Harris says. One extremely effective and inexpensive strategy in-volves setting up a continu-ity mailing program, which gets your message out on schedule on a monthly, bi-monthly or quarterly basis. Program mailings can take the form of a simple post-card or newsletter – or a more formal business letter. Continuity mailing keeps your name in front of your customers and prospects while reminding them that you appreciate their busi-ness. Customer profiling is another way to add val-ue to your database. By matching your database records against a regional

or national data file, you can pinpoint unique data characteristics and identify important traits regarding your clients. With more customized data, you can target-market your exist-ing client base and have an easier time finding new business in your prospect-ing records. Harris is all for aug-menting your database with new information from out-side databases, a move that will give you the marketing tools to better determine your best customers and prospects. You can then craft specific offers to select market segments with pre-qualifying criteria, deriving additional business from your current customers. “Superior data will also assist with client retention,” Harris says. “Out of sight, out of mind.” This old saying still rings true in sales. If your clients and prospects do not

hear from you on a regular basis, chances are someone else will come knocking on their doors. The strategies listed above are just a few of the ways to utilize effective di-rect marketing, increase re-sponse levels, ensure better delivery standards of your direct mail and help you manage the tide of a diffi-cult economy. For more information on DCTC marketing and sales courses, contact me at [email protected], or visit www.dctc.edu. You can also check out my Marketing and Sales program blog at http://blogs.dctc.edu/cari-estatz. To maximize your educa-tional ROI, visit www.dctc.edu/business-industry/roi.cfm.

Carie Statz is marketing and sales instructor at Dakota

County Technical College in Rosemount.

Successfully deliver your message to current and prospective customersDirect marketing tips in an increasingly tight economy

Make It Happen

More than 9,000 Da-kota Electric Association members and their fami-lies attended the Member Appreciation Event at the Minnesota Zoo on July 30. During the event, zoo admission was free to all who purchase electricity from the cooperative. The large participation amount-ed to the second largest at-tendance in the event’s 12-year history. “It’s our way of saying ‘thanks’ to our member-owners” President and CEO Greg Miller said. “Dakota Electric is a not-for-profit electric cooperative, so this member-only event is our way of showing our appre-

ciation.” Members attending the event donated a record-set-ting 2,303 pounds of food and $713 for local food shelves. “The amount of food donated was wonderful,” Miller said. “Members brought about 800 pounds more food than the amount donated last year. Commu-nity food shelves will be happy to receive the contri-butions.” Since Dakota Electric began hosting this event, Dakota Electric’s mem-bers have donated more than seven tons of food and more than $4,900 to the lo-cal food shelves.

Photo submitted

Dakota Electric powerline specialist Josh Raymond helps a little boy try out the driver’s seat of a bucket truck.

Dakota Electric members attended free zoo event on July 30 “Thank you, Dakota Electric, for the evening at the zoo,” one mem-ber wrote after the event. “What a treat! Our finan-cial situation is tenuous, so having an opportunity to do a nice summer event was truly appreciated.”

Cooperative member-owners enjoyed the new Africa! exhibit, Russia’s Grizzly Coast and many other features at the zoo, including the Minnesota Trail, Tiger Lair, World of Birds Show, free monorail rides, the new Woodland

Adventure Playground and more. Louie the Lightning Bug and Woodsy Owl were on hand for added fun for the children, and many people enjoyed discounted tickets to Harry Potter at the IMAX.

A customer-owned, non-profit utility since 1937, Dakota Electric As-sociation provides electric-ity to more than 100,000 members throughout Da-kota County and portions of Goodhue, Rice and Scott counties.

Photo submitted

Woodsy Owl and Louie the Lightning Bug greet visitors at Dakota Electric’s Member Appreciation Event.


by Kara HildrethDAKOTA COUNTY TRIBUNE

Victory Gardens were planted in the United States during the Great Depres-sion as a way for communi-ties and neighborhoods to band together and reduce the strain on the national food supply. Today, members of one small Farmington town-home association have joined together to plant a community garden during this economic recession in hopes of reaping a garden of plenty from seeds of hard work and promise for the future. CreekStone Partners, a townhome development off Dawson Lane in Farming-ton, is now home to a lush, flourishing garden with backyard views of prairie land and the soon-to-open 195th Street bridge that runs across the Vermillion River. The blossoming com-munity garden is at its peak with pinks, yellows and cor-al floral color and budding vegetables that grow in the development that has gone dormant with the housing collapse. The fully developed townhome neighborhood was planned to sprout 40 luxury townhomes instead of only the dozen it has. “We have the space and I have the time because we all know builders are not very busy,” said Stephen Ayers, owner and builder of CreekStone Partners. A few years ago, Farming-ton homes and townhomes were being constructed at such rapid rates that large portions of southern Da-kota County land seemed to transform overnight from sprawling agricultural acres into new housing develop-ments. Now “for sale” signs dot the landscape since the

hammers and shovels have been laid to rest as new housing construction is at a standstill and many of the developments have gone back to the bank.

Community garden At the first townhome owners’ association meet-ing this year, around the same time First Lady Mi-chelle Obama announced a White House garden would be planted, the association voted to plant a community garden. Ayers and his son rent-ed a tractor this spring to till the soil and installed a water faucet to facilitate irrigation. They also laid landscape fabric to outline individual garden plots and prevent weed growth.

Having grown up on a Minnesota farm, Ayers said he is not a gardener by na-ture but has enjoyed plant-ing, weeding and garden-ing with his wife, son and daughter-in-law. Ayers and his wife reside in one of the townhomes. The couple and their chil-dren are caring for 48 to-mato plants and enough vegetables to keep the fam-ily and neighbors eating freshly picked salads and homemade salsa. They planted tomatoes, peppers, basil, cilantro and catnip. “Actually, everyone has been happy that we did it,” he said. “In townhouse com-munities there is not much interaction between people because they do not have

any reason to be outside without a lawn to maintain or driveway to shovel.” Ayers said the silver lin-ing of the housing crisis has been getting to know his neighbors and a good veg-etable crop. “We will have bushels of tomatoes to take to the food shelf,” Ayers said.

Green shoots Ayers said he needed to lay off his son from Creek-Stone Partners a year ago because there was not enough work due to the housing slowdown. CreekStone Partners represents Ayers’ lifetime of work, and he said he will have to give up the land to the bank soon. In 2005, Ayers sold his partnership in Winwood Homes headquartered in Burnsville, which built 100 single-family homes a year in Minnesota. “My partner and I could not agree on a contraction plan, and I knew we had to contract and change our focus,” Ayers said. Back then, he said, he could see the end to the housing boom even as home sales were rising. “I could see we did not have enough revenue to service our obligations,” he said. He believed the one part of the housing mar-ket that would continue to grow in the next few years was for empty nest-ers. “I am absolutely still right about that,” he said. “I just did not count on the total collapse of the

market and huge surplus of houses and that our buyers would not need to move.” They have found ways to reinvent themselves in the past few years, Ayers said, but many home builders are just waiting for the housing market to show some green shoots. At 63 years old, Ayers said it is not easy. “If you wanted to be in business without risk, then you shouldn’t have been a builder,” said Ayers, who recently took classes to qualify as a home inspector. “There is no way I can get a job that represents income like I made as a builder.”

Future home builders Middle-sized home builders will not exist when the Minnesota home-build-

ing market rebounds, Ayers said. “Everybody (home builders) has been close-mouthed about what they are doing, but when the market recovers – and it will – home building will not look anything like it did before this began,” he said. He thinks only the na-tional home-building com-panies will survive. Soon-to-be retired couples who take tours of CreekStone Partners town-home models say they plan to move in a couple of years because they are unable to sell their properties at a de-sirable price. “In years past there would have been 40 houses in this area under construction at the same time, and last year I think there were only six houses built and this next year there will probably be another six more homes built,” said Ayers, pointing west to the more than 400 open lots. The $8,000 first-time home buyer tax incentive that will expire in Decem-ber will not directly boost new home building, “but it will put energy into the market and bounce out buy-ers to get their houses sold, and that is what we need.” Ayers forecasts more new home construction will break ground in 2011 be-cause it will take that long to get the housing market moving again. But for now, Ayers said he and his neighbors look forward to harvesting the large bunches of radishes and lettuce and long trails of zucchini and cucumbers. The neighbors are al-ready thinking about next year’s garden plans, while Ayers and other area home builders await a better har-vest and more fruitful year.

Kara Hildreth is at [email protected].

Housing slowdown leads to CreekStone Partners townhome developer building garden instead of houses

Photo by Kara Hildreth

Stephen Ayers, owner and builder of CreekStone Partners, stands in the garden that was created with available land in his Farmington townhome development.

Garden planted where homes were planned

Photo by Kara Hildreth

Townhome developer CreekStone Partners has created a place where the homeowners of its 12 units can raise fruits and vegetables in a garden. The land is available because of de-creased demand for new townhomes. The development was slated to have 40 units.

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8A August 13, 2009 DAKOTA COUNTY TRIBUNE BUSINESS WEEKLY��

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To advertise in the Dakota County Tribune

Business Directory call 952-894-1111

Business Directory

To sumbit an item for the Calendar, e-mail it to [email protected] or fax (952) 846-2010.

Date-specific Dakota County Regional Chamber of Commerce events: • Tuesday, Aug. 18, 7:30 a.m., Board of Directors meeting at DCR Chamber, Eagan. • Tuesday, Aug. 18, noon, New Member Orientation at DCR Chamber, Eagan. • Wednesday, Aug. 19, 7:30 a.m., 2009 Business Excellence Awards at Eagan Community Center, Eagan. • Thursday, Aug. 20, 7:30 a.m., Eagan Area Business Council meeting at DCR Cham-ber, Eagan. • Friday, Aug. 21, 8 a.m., Gov-ernment Affairs Committee at DCR Chamber, Eagan. • Monday, Aug. 24, 4:30 p.m., Farmington Economic Growth Committee at Anchor Bank, Farmington.

•Thursday, Aug. 27, 8 a.m., Farmington Breakfast at Farm-ington Eagles, Farmington. Burnsville Chamber of Com-merce events: • Wednesday, Aug. 26, Wom-en Empowered - Cook with a Pro! from 11:30 a.m. to 1 p.m. at Buca di Beppo, 14300 Burn-haven Drive, $20, includes lunch. Contact Anne for information at [email protected]. Thursday, Aug. 27, Fall Fling - Sporting Clay Challenge, 3:30 to 6:30 p.m. at Minnesota Horse and Hunt Club, 2920 220th St. E., Prior Lake. Individual registra-tion: $65; team registration: $260. Information:Travis Martinson at [email protected] “How To Be a Consultant – Emphasis on IT” workshop by the South of the River Entrepre-neurs group from the Dakota Scott WIB Business Services Com-mittee from 1 to 5 p.m.Tuesday, Aug. 18, at Partners in Education Building, 14200 Cedar Ave., Ap-ple Valley. Investment: $10. Infor-

Calendar

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mation: (651) 423-8612 or www.dctc4business.com. “Finding Work That Works,” seminar will be pre-sented Thursday, Sept. 17, at the Seniors Expo at Treasure Island Resort and Casino. De-signed and presented specifical-ly for senior women and men by WomenVenture, the seminar will address: how to determine what you’d really enjoy doing, how to get started on that small busi-ness idea that’s been in the back of your mind for a long time, and what your ideal volunteer oppor-tunity might be. Free. Reserva-tions required. Information: (612) 798-7237 or www.101expos.com. Going into Business, Thurs-day, Sept. 10, 9 a.m. to 5 p.m. at University Bank, 200 Univer-sity Ave. W, St. Paul. SCORE “Counselors to America’s Small Business” will hold a seminar covering the basics of business planning, marketing, market re-search, finance, management and organization, federal taxes, business law and commercial insurance. To register go to the SCORE Web site www.score-stpaul.org. Fee is $60, which includes seminar, booklets and other materials. For further infor-mation call the SCORE office at (651) 632-8937.

Ongoing Dakota Business Partners (networking group) meets every Tuesday at 8:30 a.m. at Enjoy! Restaurant in Apple Valley. For more information call at (651) 216-5406. Platinum Partners, a chap-

ter of BNI, welcomes one repre-sentative from each profession and meets every Wednesday morning from 7:30 to 9 a.m. at the Lakeville Green Mill. To learn more, call Amy at (952) 226-7741. Creative Networking Pro-fessionals (CNP) is a nonprofit business networking organiza-tion established in November 2003. The group meets at JoJo’s Rise and Wine in Burnsville from 8 to 9 a.m. the first and third Tuesday of each month. CNP is currently looking to add mem-bers to its group of 16 members. Only one person from each pro-fessional specialty is permitted to join. All participants should represent their primary occupa-tion, not a part-time business. First two visits are free; there-after the cost is $50 per year to cover overhead expenses. Contact Jeffrey L. Rothmeyer at (651) 463-8300 to find out if your profession is still available. BNI – The Valley Network-ers chapter of Business Net-working Intl. meets Thursdays at 11:30 a.m. at the DCTC Apple Valley Site at 14200 Cedar Ave. BNI is a networking group for business owners who are look-ing to increase their revenue. Only one person from each pro-fession. Bring your own lunch. For more information, call Nicole Blasing at (651) 331-9238 or visit www.bni-mn.com BNI-Networking will meet Wednesdays at 8:15 a.m. at Byerly’s Cafe in Eagan. Open to all professionals for referrals. For more information, call (651)

247-3200. Professional Referral Ex-change of Burnsville meets ev-ery Wednesday for breakfast at Denny’s Restaurant. Meetings begin at 7 a.m. For more infor-mation, contact Jo Baecker, area director, at (612) 618-5347 or visit the Web site www.prorefx.com. BNI - Business Networking Intl. meets Wednesdays at 7:30 a.m. at Commons on Marice in Eagan. For more information call Christina Avery at (651) 247-2111 or check out the BNI Web site at www.bni-mn.com. Beta Sigma Phi, Preceptor Alpha Delta Chapter, meets the second Wednesday of every month at 7:30 at a member’s home. For information, call (952) 894-8831. Network Results Chapter of Business Network Internation-al, networking for local business owners, only one person from each profession. First two meet-ings are free. We meet every Wednesday for breakfast, 7-8:30 a.m. at Roasted Pear, 14200 Nicollet Ave. S., Burnsville. Call Michele Jennings for more infor-mation: (612) 581-0332. Networking coffee group at Caribou Coffee will meet from 9:30-11:30 a.m. at Caribou Cof-fee, 14638 Cedar Ave., on the second and fourth Mondays of the month. Call (763) 783-4767 to register. Grapevine Network “Com-mon Denominator” Group meets Tuesdays from 7:30-8:45 a.m. at Coldwell Banker Burnet, 190 Cobblestone Lane, Burnsville.

For information, call (952) 746-5611 or visit www.thegrape-vinenetwork.com. Grapevine Networking Group meets Wednesdays from 7:30-8:45 a.m. at Coldwell Banker Burnet, 190 Cobblestone Lane, Burnsville. For informa-tion, call (952) 746-5611 or visit www.thegrapevinenetwork.com. Kingdom Advisors mem-bers meet monthly for fellowship, training, networking, prayer, and sharing of best practices. Ron Blue or other recognized speak-ers (via DVD) cover a topic each month helping members inte-grate and apply Biblical financial wisdom into their professional advice. Visitors welcome. The S Metro Group meets at Fam-ily Financial Services, 151 W. Burnsville Parkway, Burnsville, from 7:30 to 9 a.m. on the fourth Tuesday of each month. POC is Jeff Robinson at (952) 890-6611. The SE Metro Group meets at 2918 Upper 55th St., Inver Grove Heights, the first Thurs-day of each month (beginning July 2) from 12 noon to 1 p.m. (bring your lunch). POC is Gin-ger Ewing at (651) 389-1177. Seed Your Business Net-working Group – “Plant a Seed and Grow Your Business” – meets the first and third Wednesday ev-ery month at noon at Baskets On Occasion, 3348 Sherman Court Suite 104, Eagan, MN 55121. This is a free networking refer-ral group. Only one person from each profession. Contact Mary O’Rourke at (651) 994 8392 or e-mail [email protected] for more information.


by Erin JohnsonDAKOTA COUNTY TRIBUNE

When personal trainer John Sullivan opened his new fitness center in Eagan this June, he saw the seeds of his original dream – run-ning a multi-faceted sports training facility – begin to bear fruit. To help make that dream a reality, Sullivan created a unique business model that allows experts in different areas of fitness to run their own businesses under his roof. The result is Cross Train Academy, an expanded ver-sion of Sullivan’s original gym, Cross Train Fitness. The new gym is not only significantly larger – 22,000 square feet versus 5,300 square feet – it offers a wid-er variety of fitness options. In addition to the basic weights, exercise machines and personal training ser-vices, Cross Train Academy offers mixed martial arts instruction, an aerobics stu-dio, Total Hockey training and P.A.C.E. sport-specific training. “We wanted to have a re-ally diverse business here,” Sullivan said. A basic membership to the gym costs $29 per month, which increases with the ad-dition of aerobics classes or martial arts classes. Sullivan, who has been a personal trainer for 20 years, admits he knows nothing about martial arts, and aero-bics classes aren’t his thing. “But I know they’re pop-ular,” he said. So he hired independent businesses that specialize in those areas to take over space in his gym. “It’s one of the things I’ve learned – there are certain things I’m really not good at, so now I hire people to run those things, and it just works a lot better,” he said. Sullivan owns the lease on the building, and the owners of the aerobics studio and the martial arts studio sub-lease space from him. They also pay him a portion of the membership fees they get from clients. Each business operates its own staff and schedules independently, he said. “It’s pretty unique,” he said. “My philosophy has always been to create an en-vironment where business owners can come together and be successful. And we benefit from each other’s traffic.” Sullivan admits there have been some kinks to work out, including dealing with different sets of per-sonalities and egos. “It’s difficult getting hard-driven business own-

ers to compromise and may-be even sacrifice a little bit for the good of the whole,” he said. “In the beginning that was not pretty at all. But now everybody sees, af-ter a month or two, that we probably should all work to-gether on this and get a plan that’s going to work.” Cross Train’s business model may cost a bit more up front, Sullivan said, but it’s well worth it. “We have to pay a gener-al manager, but at the same time, he’s increased sales and improved operations, things run more smoothly, and I have less on my plate,” he said. “And it makes being here a lot more enjoyable.” Not only is the business operating more smoothly, it’s making money. Mem-bership has more than tri-pled from his previous gym, and it continues to increase rapidly, he said. “The traffic in here now is incredible compared to what it used to be,” he said. Sullivan said the busi-ness is “right on the cusp” of being profitable, which is remarkable considering it opened during the summer and a recession. “Summer is our slowest time of the year, but we’re

still seeing our numbers triple, so I can’t complain,” he said. “But we need Sep-tember.” September typically marks the beginning of the busy season for fitness fa-cilities, so Sullivan said he expects to see a spike in traffic. The gym is also in the process of finding a new investor offering a lower in-terest rate. Sullivan said he’s had some difficulties find-ing committed investors since deciding to expand 18 months ago. Some investors pulled out of the project early, he said. “After we signed the lease here, our investor fell off be-cause he lost too much in the stock market,” he said. “So now we have some in-vestor capital that’s not very good to us. We need to find new money.” While the expansion has been a challenge, Sullivan said he’s enjoying seeing his dream come to life. “If you look back at my original business plan, it’s pretty close to coming to fruition,” he said.

Erin Johnson is at [email protected].

Photo by Erin Johnson

John Sullivan, owner of Cross Train Academy in Eagan, offers clients a multi-faceted training facility at his newly expanded gym.

Unique business model brings gym owner’s dream to life

Cross Train Academy brings different businesses together under one roof

Cross Train Academy is located at 2020 Silver Bell Road, Suite 26, in Eagan. For more information, call (651) 452-5910 or visit www.crosstrainpt.com.

In Brief

County Road 70 bridge complete in Lakeville

Photo by Derrick Williams

According to Lakeville city officials, the County Road 70 bridge that spans Interstate 35 has been completed and will be opened on Aug. 16. By Labor Day, all major construction on the interchange is expected to be finished, Lakeville City Engineer Keith Nelson said. The bridge will have the city of Lakeville’s logo on it — the first-ever design element to be put on a bridge, Nelson said.

Coming Soon

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Capitol Commerce

by Don HeinzmanDAKOTA COUNTY TRIBUNE

Transportation was on the mind of Metro Council Chair Peter Bell last week as he reported to Anoka County officials at the Run-ning Aces Harness Track. Bell said due to funds from the Minnesota Leg-islature, some transfers and use of stimulus money for the Transportation Fund, the fares for Metro Transit buses will not be increased and no services will be reduced. He also predicted the Northstar Commuter Rail due to start at the end of November will be “hugely successful.” Already, the colorful blue and white train is making practice runs from Big Lake through Anoka County and

into Target Field, the new home of the Minnesota Twins, in Minneapolis. Bell said rail fare pro-posed range from $7 from Big Lake, $5.50 at Elk River, $4 at Coon Rapids, $3.35 at Fridley and $3.25 between stations. Weekend fares have not been decided. Bell said five locomotives and some of the 18 passen-ger cars have arrived at Big Lake. Construction of the five suburban stations is on schedule and the two-level design at the downtown Minneapolis ballpark sta-tion is nearing completion. Nearly 2,800 parking spots will be available at the five stations. Commu-nity celebrations are being planned at each station. Bell announced that $30.5 million in regional and state funds for stimu-lus projects within Anoka County are being processed. Those funds are going for pedestrian bridge, bike/pedestrian trails/lanes, sig-nals and reconstructing an

interchange. A total of $86 million in stimulus money is going to extend Highway 610. Officials learned that $1.1 million in appropria-tions from the Legacy and Heritage Amendment will be used in the county park system. Bell assured that a re-formed Dial-a-Ride service will give residents better ac-cess and eliminate some du-plication. The express bus service from Forest Lake and Co-lumbus to downtown Min-neapolis will continue. New UPA funded buses will be used on this service. A new wastewater plant for East Bethel is in the planning stage and is ex-pected to open in 2012. To applause, Bell said a revised long-term plan from the Metropolitan Airports Commission will be submit-ted to the council soon and no airfield changes such as runway lengthening are pro-posed.

Region’s first commuter plan for

transit beyond Twin Cities to start in

November

Commuter rail project on schedule

�� PUBLIC NOTICEMINNESOTA SECRETARY OF STATECERTIFICATE OF ASSUMED NAMEMinnesota Statutes Chapter 333The filing of an assumed name does

not prov ide a user w ith exc lus iver ights to that name. The fil ing isrequired for consumer protection inorder to enable consumers to be ableto identify the true owner of a busi-ness.1. State the exact assumed name

under which the business is or will beconducted: APEX CREDIT SOLUTIONS.

2. State the address of the principalplace of business: 10539 165th ST. W,LAKEVILLE, MN 55044

3. List the name and complete streetaddress of all persons conductingbusiness under the above AssumedName, OR if an entity, provide the legalcorporate, LLC, or Limited Partner-ship name and registered of f iceaddress.TRUELSON & HANSON ENTER -

PRISES, LLC, 5001 FREMONT AVE. S.,MINNEAPOLIS, MN 554194. I certify that I am authorized to

sign this certificate and I further cer-tify that I understand that by signingthis certificate, I am subject to thepenalties of perjury as set forth inMinnesota Statutes section 609.48 asif I had signed this certificate underoath.Date 6/25/09JEFFREY L. HANSON - PRESIDENT

1849408 8/13-8/20/09

PUBLIC NOTICEMINNESOTA SECRETARY OF STATE

AMENDMENT TOCERTIFICATE OF ASSUMED NAMEMinnesota Statutes Chapter 333The filing of an assumed name does

not provide a user with exclusive rightsto that name. The filing is required forconsumer protection in order to enableconsumers to be able to identify thetrue owner of a business.1. State the exact assumed name

under which the business is or will beconducted: Keller Williams IntegrityRealty Eagan.

2. State the address of the principalplace of business: 3464 WashingtonAvenue, Eagan, MN 55122

3. List the name and complete streetaddress of all persons conducting busi-ness under the above Assumed Name,OR if an entity, provide the legal corpo-rate, LLC, or Limited Partnership nameand registered office address.Millennium Group, LLC, 2990 Patton

Road, Roseville, MN 551134. This certificate is an amendment of

Certificate of Assumed name number1045228-3 originally filed on Septem-ber 17, 2004 under the name KellerWilliams Integrity Realty Inver GroveHeights.5. I certify that I am authorized to

sign this certificate and I further certifythat I understand that by signing thiscertificate, I am subject to the penaltiesof perjury as set forth in MinnesotaStatutes section 609.48 as if I hadsigned this certificate under oath.Date July 29, 2009

Michael Cylkowski, Chief Manager1853554 8/13-8/20/09




under which the business is or will beconducted: Karing for Kids.

2. State the address of the principalplace of business: 904 Porter Lane,Apple Valley, MN 55124

3. List the name and complete streetaddress of all persons conducting busi-ness under the above Assumed Name,OR if an entity, provide the legal corpo-rate, LLC, or Limited Partnership nameand registered office address.Terri A. Lee, 904 Porter Lane, Apple

Valley, MN 551244. This certificate is an amendment of

Certificate of Assumed name number8 6 3 6 8 2 - 2 o r i g i n a l l y f i l e d o n4/12/2004.5. I certify that I am authorized to

sign this certificate and I further certifythat I understand that by signing thiscertificate, I am subject to the penaltiesof perjury as set forth in MinnesotaStatutes section 609.48 as if I hadsigned this certificate under oath.Date 4/17/2009

Terri A. Lee, Owner1853582 8/13-8/20/09

PUBLIC NOTICEMINNESOTA SECRETARY OF STATECERTIFICATE OF ASSUMED NAMEMinnesota Statutes Chapter 333The filing of an assumed name does


under which the business is or will beconducted: Tandem Hearts

2. State the address of the principalplace of business: 13585 Hershey Ct.,Apple Valley, MN 55124

3. List the name and complete streetaddress of all persons conductingbusiness under the above AssumedName, OR if an entity, provide the legalcorporate, LLC, or Limited Partner-ship name and registered of f iceaddress.Thomas Coakley, 13585 Hershey Ct.,

Apple Valley, MN 551244. I certify that I am authorized to

sign this certificate and I further cer-tify that I understand that by signingthis certificate, I am subject to thepenalties of perjury as set forth inMinnesota Statutes section 609.48 asif I had signed this certificate underoath.Date 6/24/2009

Thomas Coakley1850732 8/13-8/20/09

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PUBLIC NOTICENOTICE OF MORTGAGEFORECLOSURE SALE

THE RIGHT TO VERIFICATION OFTHE DEBT AND IDENTITY OF THEORIGINAL CREDITOR WITHIN THETIME PROVIDED BY LAW IS NOTAFFECTED BY THIS ACTION.

NOTICE IS HEREBY GIVEN , thatdefault has occurred in conditions ofthe following described mortgage:

DATE OF MORTGAGE: February 22,2008

MORTGAGORS: Bruce E. Allen andJessica A. Meyer, both single.

MORTGAGEE: Mortgage ElectronicRegistration Systems, Inc.

DATE AND PLACE OF RECORDING:Registered March 19, 2008, DakotaCounty Registrar of Titles, DocumentNo. 625350, Certificate of Title No.140577.

ASSIGNMENTS OF MORTGAGE :Assigned to: Chase Home Finance LLC,Dated: May 29, 2009.Sa id Mortgage being Registered

Land.TRANSACTION AGENT: Mortgage

Electronic Registration Systems, Inc.TRANSACTION AGENT 'S MORT -

GAGE IDENTIFICATION NUMBER ONMORTGAGE: 100073000822450284

LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Freedom Mortgage Corpo-ration

RESIDENTIAL MORTGAGE SER -VICER: Chase Home Finance LLC

MORTGAGED PROPERTY ADDRESS:13616 Country Lane, Burnsville, MN55337

TAX PARCEL I.D.#: 02-18300-042-02LEGAL DESCRIPTION OF PROPERTY:Lot 4, Block 2, Country Place Addi-tion, excepting therefrom the West124.0' as measured along the Northand South Lot Lines thereof, DakotaCounty, Minnesota.COUNTY IN WHICH PROPERTY IS

LOCATED: DakotaORIGINAL PRINCIPAL AMOUNT OF

MORTGAGE: $255,526.00AMOUNT DUE AND CLAIMED TO BE

DUE AS OF DATE OF NOTICE, INCLUD-ING TAXES, IF ANY, PAID BY MORT-GAGEE: $262,159.56

That prior to the commencement ofthis mortgage foreclosure proceedingMortgagee/Assignee of Mortgagee com-plied with all notice requirements asrequired by statute; That no action orproceeding has been instituted at lawor o therw ise to recover the deb tsecured by said mortgage, or any partthereof;

PURSUANT to the power of sale con-tained in said mortgage, the abovedescribed property will be sold by theSheriff of said county as follows:

DATE AND TIME OF SALE: August11, 2009 at 10:00 AM

PLACE OF SALE:Sheriff's Office, LawEnforcement Center, 1580 Hwy 55,Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on saidpremises, and the costs and disburse-ments , inc luding attorneys' feesallowed by law subject to redemptionwithin six (6) months from the date ofsaid sale by the mortgagor(s), theirpersonal representatives or assigns.

MORTGAGOR(S) RELEASED FROMFINANCIAL OBLIGATION ON MORT-GAGE: None

"THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALP R O D U C T I O N , A N D A R EABANDONED."

Dated: June 2, 2009.Chase Home Finance LLCMortgagee/Assignee of Mortgagee

USSET, WEINGARDEN AND LIEBO, P.L.L.P.By: Paul A. WeingardenAttorneys for Mortgagee/Assignee ofMortgagee4500 Park Glen Road #300Minneapolis, MN 55416(952) 925-688830-6756THIS IS A COMMUNICATION FROMA DEBT COLLECTOR.NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEPursuant to the provisions of Minne-

sota Statutes 580.07, the foregoingforeclosure sale is postponed untilSeptember 22, 2009 at 10:00 am at theSheriff's Office, Law Enforcement Cen-ter, 1580 Hwy 55, Lobby #S-100, Hast-ings, MN, in said county and state.

Dated: August 10, 2009.Chase Home Finance LLCMortgagee/Assignee of Mortgagee

USSET, WEINGARDEN AND LIEBO, P.L.L.P.By: Paul A. WeingardenAttorneys for Mortgagee/Assignee ofMortgagee4500 Park Glen Road #300Minneapolis, MN 55416(952) 925-688830-6756THIS IS A COMMUNICATION FROMA DEBT COLLECTOR.1854281 8/13/09

PUBLIC NOTICENotice of Public Sale

On August 21st 2009 at 1:00 PM aLien Sale of personal property will beheld at the Lakeville Storage Centerlocation at 9455 215th St W Lakeville,MN 55044.Included in sale:# 2061959 Glaspar 16’ seafoam green run-about boat, with 75 HP Chrysler out-board motor, with trailer. MN LIC3851DG.

1830873 7/30-8/13/09

PUBLIC NOTICEADVERTISEMENT FOR BIDS

DAKOTA COUNTY COMMUNITYDEVELOPMENT AGENCY (CDA)

EAGAN, MN 55123Notice is hereby given that sealed

bids will be received by the Office ofthe Director of Housing Finance &Development, Dakota County CDA,Minnesota until 11:00 AM, Wednes-day, August 26, 2009, at the office ofDakota County Community Develop-ment Agency, 1228 Town Centre Drive,Eagan, MN 55123, at which time theywill be publicly opened and read aloudfor the furnishing of all labor andmaterials for three separate projectsand three separate bid openings forprojects at Colleen Loney Manor 1675Livingston Ave. W. St. Paul, MN 55118.The three separate projects are:

1. Passenger Elevator replace-ment (two elevators)2. Asphalt replacement3. Unit door replacement andkeyless entry systems

Bids received after this time and datewill be rejected. No telephone bids orfax bids will be accepted. Bids shall beon the forms provided for that purposeand according to the Bidding Docu-ments prepared by Dakota CountyCDA. Bids will be opened publicly andread aloud in the order listed above. Abid tabulation or other bid result willbe furnished to the Bidders. Bids shallbe addressed to: Dakota County CDA,1228 Town Centre Drive, Eagan, MN55123.M a n d a t o r y o n - s i t e p r e - b i dwalk-throughs are as scheduled:Passenger elevator on August 18,2009 at 9:00AMAsphalt replacement on August18, 2009 at 10:00AMUnit door replacement on August18, 2009 at 11:00AMAttendance is required to bid on

these projects. Failure of a bidder toattend the walk-throughs immediatelysubjects his/her bid to disqualification.Call the Dakota County CDA Contactperson below to find out exact detailsof the walk-throughs.Interested bidders can contact Vince

Markell @ 651-675-4481 of theDakota County CDA to obta in b iddocuments and receive more informa-tion regarding these projects. Specifi-cations for the three projects willnot be available until August 17,2009.Bid security in the amount of 5% of

the bid must accompany each bid inaccordance with the Instruction toB i d d e r s . S e a l e d b i d s sh a l l b eaddressed on the outside wrapper to:

Vince Markell, Dakota County CDAProject name (either PassengerElevator replacement , Asphaltr e p la c emen t , o r Un i t d o o rreplacement)Bid due date and time.

These projects are Davis-Bacon pre-vailing wage projects.The CDA hereby notifies all bidders

that in regard to any Contract enteredinto pursuant to this advertisement,Disadvantaged Business Enterprises(D.M.E.) will be afforded full opportu-nity to submit bids and / or proposalsand will not be subjected to discrimi-nation on the basis of race, color, sex,age, religion, or national origin.The Dakota County CDA reserves the

right to reject any and all bids, to waiveirregularities and informalities thereinand to award the Contract in the bestinterest of the CDA.

Vince Markell, Capital FundCoordinatorDakota County CommunityDevelopment Agency

1844391 8/6-8/13/09


NOTICE IS HEREBY GIVEN thatdefault has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: March 09,

2007ORIGINAL PRINCIPAL AMOUNT OF

MORTGAGE: $182,400.00MORTGAGOR(S): Michael L. Van-

delacMORTGAGEE: Mortgage Electronic

Registration Systems, Inc.DATE AND PLACE OF REGISTER-

ING: Registered: May 03, 2007 DakotaCounty Registrar of Titles, DocumentNumber: 609939Transaction Agent: Mortgage Elec-

tronic Registration Systems, Inc.Transaction Agent Mortgage Identifi-

cation Number: 100024200016567436Lender or Broker: American Brokers

ConduitRes iden t ia l Mortgage Serv icer :

Aurora Loan Services, LLCMortgage Originator: Not ApplicableCERTIFICATE OF TITLE NUMBER:

140153COUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 751 22nd Ave N,

South Saint Paul, MN 55075-1318T a x P a r c e l I D N u m b e r :

367680030001LEGAL DESCRIPTION OF PROP -ERTY : Lot 30 , b lock 1 of TowerHeightsAMOUNT DUE AND CLAIMED TO BE

DUE AS OF DATE OF NOT I CE :$200,686.30THAT all pre-foreclosure require-

ments have been complied with; thatno action or proceeding has been insti-tuted at law or otherwise to recover thedebt secured by said mortgage, or anypart thereof; that this is registeredproperty;PURSUANT to the power of sale con-

t a i n e d i n s a i d m o r t g a g e , t h eabove-described property will be soldby the Sheriff of said county as fol-lows:DATE AND TIME OF SALE: August

20, 2009 at 10:00 AMPLACE OF SALE: Dakota County

Law Enforcement Center, 1580 High-way 55, Lobby S-100, Hastings, Minne-sotato pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-ments, including attorney fees allowedby law, subject to redemption withinsix (6) months from the date of saidsale by the mortgagor(s), their per-sonal representatives or assigns.Mortgagor(s) released from financial

obligation: NONETHIS COMMUNICATION IS FROM

A DEBT COLLECTOR ATTEMPT-ING TO COLLECT A DEBT. ANYINFORMATION OBTAINED WILL BEUSED FOR THAT PURPOSE.THE RIGHT TO VERIFICATION OF

THE DEBT AND IDENTITY OF THEORIGINAL CREDITOR WITHIN THETIME PROVIDED BY LAW IS NOTAFFECTED BY THIS ACTION.

THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: July 02, 2009

MORTGAGEE : Mortgage Elec -tronic Registration Systems, Inc.

Wilford & Geske, P.A.Attorneys for MortgageeLawrence A. WilfordJames A. Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125-4393(651) 209-3300File Number: 004579F01NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for August 20, 2009 at 10:00 AM hasbeen postponed to October 22, 2009 at10:00 AM in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesota insaid County and State.DATED: August 20, 2009


Wilford & Geske, P.A.Attorneys for Mortgagee:Lawrence A. WilfordJames A. Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125-4393(651) 209-3300File Number: 004579F011839797 8/13/09

PUBLIC NOTICEORDER TO SHOW CAUSE

STATE OF MINNESOTACOUNTY OF DAKOTA

DISTRICT COURTFIRST JUDICIAL DISTRICT

COURT FILE NO. 19HA-CV-09-3862In the Matter of the Petition of:Deutsche Bank National Trust Com-pany, as Trustee on Behalf of the Cer-tificate Holders of Morgan Stanley ABSCapital I, Inc., Trust 2004-NC3, Mort-gage Pass Through Certificates, Series2004-NC3,in Relation to Certificate of Title No.121897 issued for land in the Countyof Dakota and State of Minnesotalegally described as follows:Unit No. 1206 Common InterestCommunity Number 176, VermillionCarriage Homes, a condominiumlocated in the County of Dakota.

TO: NICHOLAS T. HAYES;VERMILION CARRIAGE HOMESASSOCIATION;

and to parties, if any, in possession ofsaid premises adverse to the Peti-tioner.Upon receiving and filing the Report

of the Examiner of Titles in the aboveen t i t l e d m a t t e r , I T I S HEREBYORDERED, that you and all personsinterested, appear before this Court onthe 23rd day of September, 2009, at9:00 a.m. in the Dakota County Gov-ernment Center, Hastings, Minnesota,and then, or as soon thereafter as saidmatter can be heard, show cause, ifany there be, why this Court shouldnot enter an Order as follows:That the Registrar of Titles, upon thefiling with him of a certified copy ofthis Order, cancel Certificate of TitleNo. 121897 and enter a new Certifi-cate of Title for the land thereindescribed in favor of Deutsche BankNational Trust Company, as Trusteeon Behalf of the Certificate Holdersof Morgan Stanley ABS Capital I, Inc.,Trust 2004-NC3 , Mortgage PassTh rou gh C e r t i f i c a t e s , S e r i e s2004-NC3, subject to the memorialsof Document Nos. 326384, 332788,348516, 351208, 352901, 357404,360131, and 362297 but free from allother memorials now appearing onthe present Certificate of Title, thelast of which is Documen t No.634503 , and free a lso from theMemorial of this Order.IT IS FURTHER ORDERED, that this

Order be served:a) at least 10 days prior to such hear-

ing upon the above named partiesresiding in this State in the mannerprovided by law for the service ofSummons in a civil action;b) it shall be served at least 14 days

prior to such hearing upon any of theabove named nonresidents by sendinga copy of this Order to such nonresi-dent at his post office address, by reg-istered or certified mail, return receipt;c) it shall be served upon any party

who cannot be found by two weekspublished notice and by sending acopy of this Order at least 14 daysprior to the hearing by first class mailto such party a t this last knownaddress and by sending another copyof this Order at least 14 days prior tothe hearing by first class mail to hisaddress as stated on the Certificate ofTitle if an address is so stated.DATED: 7/15/09

BY THE COURT:John S. ConnollyJudge of District Court

APPROVED: JAMES P. O'CONNELLEXAMINER OF TITLESBY: James P. O'ConnellAttorney for Petitioner:Robert Q. WilliamsWilford & Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125Attendance is not required at saidhearing except to object to the entry ofthe above described Order.1844556 8/6-8/13/09


NOTICE IS HEREBY GIVEN thatdefault has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: October 10,


MORTGAGE: $256,000.00MORTGAGOR(S): William G. Rogers,

a married manMORTGAGEE: Wachovia Mortgage,

FSB fka World Savings Bank, FSBDATE AND PLACE OF RECORDING:

Recorded: October 31, 2006 DakotaCounty Recorder, Document Number:2472435Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: Wachovia Mort-

gage, FSB fka World Savings Bank, FSBRes iden t ia l Mortgage Serv icer :

Wachovia Mortgage, FSBMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 12525 Pinehurst

Dr, Burnsville, MN 55337-3455T a x P a r c e l I D N u m b e r :

02-57500-120-02LEGAL DESCRIPTION OF PROP -ERTY: Lot 12, Block 2, Pinehurst,Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE


ments have been complied with; thatno action or proceeding has been insti-tuted at law or otherwise to recover thedebt secured by said mortgage, or anypart thereof;PURSUANT to the power of sale con-

t a i n e d i n s a i d m o r t g a g e , t h eabove-described property will be soldby the Sheriff of said county as fol-lows:DATE AND TIME OF SALE: Septem-

ber 17, 2009 at 10:00 AMPLACE OF SALE: Dakota County




THE DEBT AND IDENTITY OF THEORIGINAL CREDITOR WITHIN THETIME PROVIDED BY LAW IS NOTAFFECTED BY THIS ACTION.THE TIME ALLOWED BY LAW FOR

REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: July 30, 2009

MORTGAGEE: Wachovia Mort-gage, FSB fka World SavingsBank, FSB

Wilford & Geske, P.A.Attorneys for MortgageeLawrence A. WilfordJames A. Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125-4393(651) 209-3300File Number: 006848F011823807 7/30-9/3/09


NOTICE IS HEREBY GIVEN thatdefault has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: June 24, 2005ORIGINAL PRINCIPAL AMOUNT OF

MORTGAGE: $176,000.00MORTGAGOR(S): Balla M Musa and

Seham A. Nabry, husband and wifeMORTGAGEE: Mortgage Electronic

Registration Systems, Inc.DATE AND PLACE OF RECORDING:

Recorded: Ju ly 06 , 2005 Dako taCounty Recorder, Document Number:2337431Transaction Agent: Mortgage Elec-


cation Number: 100026900100793438Lender or Broker : Bell Amer ica

Mortgage, LLC dba Bell MortgageRes iden t ia l Mortgage Serv icer :

Aurora Loan Services, LLCMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 13313 Morgan Ave

S, Burnsville, MN 55337-2095T a x P a r c e l I D N u m b e r :

02-32850-040-01LEGAL DESCRIPTION OF PROP -ERTY: Lot 4, Block 1, Highland FiveEstates, Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE












�� PUBLIC NOTICEMINNESOTA SECRETARY OF STATECERTIFICATE OF ASSUMED NAMEMinnesota Statutes Chapter 333The filing of an assumed name does


under which the business is or will beconducted: RK Sales.

2. State the address of the principalplace of business: 14124 Frontier Ln.,Burnsville, MN 55337

3. List the name and complete streetaddress of all persons conducting busi-ness under the above Assumed Name,OR if an entity, provide the legal corpo-rate, LLC, or Limited Partnership nameand registered office address.Raila K. Foley, 14124 Frontier Ln.,

Burnsville, MN 553374. I certify that I am authorized to

sign this certificate and I further certifythat I understand that by signing thiscertificate, I am subject to the penaltiesof perjury as set forth in MinnesotaStatutes section 609.48 as if I hadsigned this certificate under oath.Date July 29, 2009

Raila K. Foley, Owner1853631 8/13-8/20/09


CERTIFICATE OFASSUMED NAME RENEWAL

Assumed Name # X 226161CURRENT INFORMATION ON FILE:1. Assumed Name: Superior Express.2. Date of Original Filing: 08/25/19993 . Cu r r e n t E x p i r a t i o n Da t e :

08/25/20094. Business Address: 3924 Boston

Ct., Eagan, MN 551235. Nameholder(s) and Address(es):

Terrence R. Johnson, 3924 Boston Ct,Eagan, MN 55123INFORMATION YOU WISH TOCHANGE:1. Assumed Name: Superior Express

Couriers3. Current Expiration Date: 10 Year

Extension4. Business Address: 1461 Welling-

ton Way, Eagan, MN 551225. Nameholder(s) and Address(es):

Terrence R. Johnson, 1461 WellingtonWay, Eagan, MN 55122

I certify that I am authorized toexecute this renewal and I further cer-tify that by signing this document, Iam subject to the penalties of perjuryas set forth in section 609.48 as if Ihad signed this document under oath.Date 3/2/09

Terry Johnson1839037 8/6-8/13/09



under which the business is or will beconducted: Alcom Distributing.

2. State the address of the principalplace of business: 25 South 21st Street- P.O. Box 2925, Fargo, ND 58103

3. List the name and complete streetaddress of all persons conductingbusiness under the above AssumedName, OR if an entity, provide the legalcorporate, LLC, or Limited Partner-ship name and registered of f iceaddress.Plexus Company, 1802 First Ave.

South , PO Box 2925 , Fa rgo , ND58108-29254. I certify that I am authorized to


Kevin D. Bouma, CEO1843528 8/6-8/13/09


CERTIFICATE OFASSUMED NAME RENEWAL

Assumed Name # X 84430CURRENT INFORMATION ON FILE:1. Assumed Name: Interlight.2. Date of Original Filing: 07/24/19893 . Cu r r e n t E x p i r a t i o n Da t e :

07/24/20094. Business Address: 1236 Earle

Way, Burnsville, MN 553065. Nameholder(s) and Address(es):

Bernard G. Cook, 1236 Earle Way,Burnsville, MN 55306INFORMATION YOU WISH TOCHANGE:

3. Current Expiration Date: 10 YearExtension4. Business Address: 1236 Earle

Way, PO Box 1468, Burnsville, MN553065. Nameholder(s) and Address(es):

Bernard G. Cook, 1236 Earle Way, POBox 1468, Burnsville, MN 55306I certify that I am authorized to

execute this renewal and I further cer-tify that by signing this document, Iam subject to the penalties of perjuryas set forth in section 609.48 as if Ihad signed this document under oath.Date 7/13/09

Bernard G. Cook1839063 8/6-8/13/09

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under which the business is or will beconducted: Allure Auto Glass Repair.

2. State the address of the principalplace of business: 3460 Golfview Drive#2323, Eagan, MN 55123

3. List the name and complete streetaddress of all persons conductingbusiness under the above AssumedName, OR if an entity, provide the legalcorporate, LLC, or Limited Partner-ship name and registered of f iceaddress.Scott A. Wolf, 3460 Golfview Drive

#2323, Eagan, MN 551234. I certify that I am authorized to

sign this certificate and I further cer-tify that I understand that by signingthis certificate, I am subject to thepenalties of perjury as set forth inMinnesota Statutes section 609.48 asif I had signed this certificate underoath.Date July 29, 2009

Scott A. Wolf, Owner1838959 8/6-8/13/09



under which the business is or will beconducted: MGM Wine and Spirits ofRosemount.

2. State the address of the principalplace of business: 14865 South RobertStreet, Rosemount, MN 55068

3. List the name and complete streetaddress of all persons conductingbusiness under the above AssumedName, OR if an entity, provide the legalcorporate, LLC, or Limited Partner-ship name and registered of f iceaddress.FPW, LLC, PO BOX 1782, St. Paul,

MN 551014. I certify that I am authorized to

sign this certificate and I further cer-tify that I understand that by signingthis certificate, I am subject to thepenalties of perjury as set forth inMinnesota Statutes section 609.48 asif I had signed this certificate underoath.Date 6/29/09William Kuether, Governing Member

1838926 8/6-8/13/09


NOTICE IS HEREBY GIVEN thatdefault has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: May 21, 2004ORIGINAL PRINCIPAL AMOUNT OF

MORTGAGE: $151,000.00MORTGAGOR (S ) : Sou th a s a ck

Sivongsay, a single personMORTGAGEE: Bank of America, N.A.DATE AND PLACE OF RECORDING:

Recorded: Ju ly 06 , 2004 Dako taCounty Recorder, Document Number:2222723Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: Bank of America,

N.A.Residential Mortgage Servicer: Bank

of America, N.A.Mortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 15612 Gateway

Path, Apple Valley, MN 55124-5159T a x P a r c e l I D N u m b e r :

01-16700-176-04LEGAL DESCRIPTION OF PROP -ERTY: Unit No. 176, CondominiumNo. 117 , Cedar Poin te Carr iageHomes Condomin ium, Dako taCounty, MinnesotaAMOUNT DUE AND CLAIMED TO BE





Law Enforcement Center, 1580 High-way 55, Lobby S-100, Hastings, Minne-sotato pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-ments, including attorney fees allowedby law, subject to redemption withinsix (6) months from the date of saidsale by the mortgagor(s), their per-sonal representatives or assigns.If the Mortgage is not reinstated

under Minn. Stat. §580.30 or the prop-erty is not redeemed under Minn. Stat.§580.23, the Mortgagor must vacatethe property on or before 11:59 p.m. onMarch 25, 2010, or the next businessday if March 25, 2010 falls on a Satur-day, Sunday or legal holiday.Mortgagor(s) released from financial




THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: August 13, 2009

MORTGAGEE: Bank ofAmerica, N.A.


PUBLIC NOTICENOTICE OF

MORTGAGE FORECLOSURE SALENOTICE IS HEREBY GIVEN that

default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: October 26,


MORTGAGE: $124,950.00MORTGAGOR(S): Trent Erlandson, an

unmarried manMORTGAGEE: Wachovia Mortgage,

FSB fka World Savings Bank, FSBDATE AND PLACE OF REGISTERING:Reg is te red : Feb rua ry 15, 2005

Dakota County Registrar of TitlesDocument Number: 559001Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-


gage, FSB fka World Savings Bank, FSBRes iden t ia l Mo r tgage Se rv ice r :

Wachovia Mortgage, FSBMortgage Originator: Not ApplicableCERTIFICATE OF TITLE NUMBER:


LOCATED: DakotaProperty Address: 13314 Court Pl,

Burnsville, MN 55337-1899T a x P a r c e l I D N u m b e r :

02-40600-030-06LEGAL DESCRIPTION OF PROP-

ERTY: Lot Three (3), Block Six (6), inJUDICIAL KNOLLS, according to therecorded plat thereof.

AMOUNT DUE AND CLAIMED TO BEDUE AS OF DATE OF NOT ICE :$148,414.81THAT all pre-foreclosure require-

ments have been complied with; that noaction or proceeding has been insti-tuted at law or otherwise to recover thedebt secured by said mortgage, or anypart thereof; that this is registeredproperty;PURSUANT to the power of sale con-

t a i n e d i n s a i d m o r t g a g e , t h eabove-described property will be sold bythe Sheriff of said county as follows:DATE AND TIME OF SALE: Septem-

ber 25, 2009 at 10:00 AMPLACE OF SALE: Dakota County Law

Enforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesotato pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-ments, including attorney fees allowedby law, subject to redemption within six(6) months from the date of said saleby the mortgagor(s), their personal rep-resentatives or assigns.If the Mortgage is not reinstated

under Minn. Stat. §580.30 or the prop-erty is not redeemed under Minn. Stat.§580.23, the Mortgagor must vacate theproperty on or before 11:59 p.m. onMarch 25, 2010, or the next businessday if March 25, 2010 falls on a Satur-day, Sunday or legal holiday.Mortgagor(s) released from financial

obligation: NONETHIS COMMUNICATION IS FROM A

DEBT COLLECTOR ATTEMPTING TOCOLLECT A DEBT. ANY INFORMA-TION OBTAINED WILL BE USED FORTHAT PURPOSE.THE RIGHT TO VERIFICATION OF


THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF AJUD IC IAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES, SEC-TION 582.032, DETERMINING, AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: August 13, 2009

MORTGAGEE: Wachovia Mortgage,FSB fka World Savings Bank, FSB



NOTICE IS HEREBY GIVEN thatdefault has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: July 30, 2004ORIGINAL PRINCIPAL AMOUNT OF

MORTGAGE: $322,500.00MORTGAGOR(S): Edwin Adorno and

Fabiola E. Adorn, husband and wifeMORTGAGEE: Mortgage Electronic


Recorded: August 26, 2004 DakotaCounty Recorder, Document Number:2242313Transaction Agent: Mortgage Elec-


cation Number: 100053030006513866Lender or Broker: Aegis Wholesale

CorporationRes iden t ia l Mortgage Serv icer :


LOCATED: DakotaProperty Address: 16355 Hyland Ave,

Lakeville, MN 55044-3800T a x P a r c e l I D N u m b e r :

22-34600-020-02LEGAL DESCRIPTION OF PROP -ERTY : Lot 2 , B lock 2 , HypointeCrossing, Dakota County, Minne-sota.AMOUNT DUE AND CLAIMED TO BE










REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: August 06, 2009



PUBLIC NOTICENOTICE OF ASSESSMENT LIEN

FORECLOSURE SALEDate: July 20, 2009YOU ARE NOTIFIED THAT:1. Default has occurred in the terms

and conditions of the Declaration forValley Way Homeowners Association,Inc. (hereinafter the "Association")which was recorded as Document No.2651026 on April 12 , 1985, in theO f f ice of the County Recorder ofDakota County, Minnesota, and also,pursuant to Minn. Stat. §515B.3-116,covering the following property:LEGAL DESCRIPTION: Unit No.41, Garage No. 41A, Valley WayVillage Condominium, Condo-min ium F i l e No . 78, Dako taCounty, MinnesotaSTREET ADDRESS: 14847 EmbryPath, Apple Valley, MN 55124TAX PARCEL ID NUMBER :01-81450-041-032. Pursuant to said Declaration,

there is claimed to be due and owingas of July 20, 2009, from Michael W.Anderson, title holder, to the Associa-tion, a Minnesota non-profit corpora-tion, the amount of $2 ,633 .00 forunpaid association dues, late fees,attorneys fees and costs, plus anyother such amounts that will accrueafter July 20, 2009, and other costs ofcollection and foreclosure which willbe added to the amount claimed dueand ow ing at the t ime of the sa leherein

3. No action is now pending at law orotherwise to recover said debt or anypart thereof.4. The owner has not been released

from his financial obligation to paysaid amount.5. The Declaration, referenced above,

and Minn. Stat . §§515B .3-115 and515B.3-116 provide for a continuinglien against the property. A Notice ofLien evidencing the amount due wasrecorded on March 6, 2009, as Docu-men t No. 2641830 in the Dako taCounty Recorder's Office.

6. Pursuant to the power of sale con-tained in the same Declaration andgranted by the owner in taking title tothe premises subject to said Declara-t ion and pursuant to M inn. Stat .§§515B.3-115 and 515B.3-116, saidLien will be foreclosed by the sale ofsaid property by the Sheriff of DakotaCounty, at the Dakota County SheriffsOffice, Dakota County Law Enforce-ment Center, 1580 Highway 55 LobbyS-100, Hastings, MN 55033, on the30th day of September, 2009, at10:00 a.m. at public auction to thehighest bidder, to pay the amount thendue for said assessments, togetherwith the costs of foreclosure, includ-ing attorneys fees as allowed by law.

7. The t ime a l lowed by law fo rredemption by the unit owner, his per-sonal representatives or assigns is six(6) months from the date of sale. Thedate and time to vacate the property is11:59 p.m. on March 30, 2010.

REDEMPTION NOTICETHE TIME ALLOWED BY LAW FOR

REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.8. THIS IS A COMMUNICATION FROM

A DEBT COLLECTOR ATTEMPTING TOCOLLECT A DEBT. ANY INFORMA-TION OBTAINED WILL BE USED FORTHAT PURPOSE.

VALLEY WAY HOME-OWNERSASSOCIATION

Attorneys for Valley Way HomeownersAssociation:THOMSEN & NYBECK, P.A.By: Gretchen S. Schellhas (#195595)3300 Edinborough Way, Suite 600Edina, Minnesota 55435(952) 835-7000(Valley Way-Anderson-09-7-154D)1843545 8/6-9/10/09

PUBLIC NOTICENotice of Hearing by Publication(Minn. Stat. § 518B.01, subd. 8)

State of MinnesotaCounty of DAKOTA

District Court1st Judicial District

Court File Number: 19AVFA-09-2951Case Type: Domestic Abuse

In the Matter of:MICHELLE MARIE HANSON OBOMINOR, Petitionervs.AMANDA CLARK, Respondent.To Respondent named above:An order has been issued directing

you to appear at 14955 GALAXIEAVENUE , APPLE VALLEY , MN on8/27/2009 at 9 a.m. and explain whythe relief sought in the Petition for theOrder for Protection should not begranted.You may obtain a copy of the Peti-

tion and any order issued from thecourt from the DAKOTA COUNTY ,APPLE VALLEY C oun t y C ou r tAdministrator’s Office.If you do not appear at the sched-

uled hearing, the Petitioner’s requestmay be granted as a default matter.Failure to appear will not be a defenseto prosecution for violation of theCourt’s Order.Date 8-6-09

JACQUELIN RIVERACourt Administrator/Deputy

1850767 8/13/09


MORTGAGE FORECLOSURE SALENOTICE IS HEREBY GIVEN, that

default has occurred in the conditionsof a mortgage dated January 7, 2003,executed by Warren W. Krech andOpal E. Krech, husband and wife, asmortgagor(s) to Vermillion State Bankas mortgagee in the original principalamount of Five Hundred Thousand($500,000.00) Dollars, recorded withthe Dakota County Recorder, State ofMinnesota, on February 25, 2003, asdoc. no. 2005228 ; that all pre-foreclo-sure requirements have been compliedwith; that no action or proceeding hasbeen instituted at law to recover anypart of the debt secured by said mort-gage; that there is claimed to be duethereon the sum of Three HundredS ixteen Thousand Four HundredNinety-two ($316,492.00 ) Dollars onthis date; and that pursuant to thepower of sale therein the mortgage willbe forec losed and the property inDakota County, Minnesota, describedas follows:Lot 2, Block 2, Southern TerraceEstates, Dakota County, Minne-sota;

Property address: 11020 A lamedaAvenue, Inver Grove Heights, MN55077Parcel I.D. #: 20-71300-020-02will be sold by the sheriff of said countyat public auction on October 8, 2009,at 10 :00 o 'c lock A .M . at Sheriff'sOffice, Law Enforcement Center,1580 Highway 55, Hastings, Minne-sota, to pay the debt secured by themo r t g a g e , i n c lud i n g c o s t s andattorneys' fees allowed by law subject toredemption by the mortgagor(s), theirheirs or assigns, within twelve (12)months from the date of sale.You must vacate the property on or

before 11:59 p.m. on October 8, 2010, if(i) the mortgage is not reinstated under§580.30, or ( i i ) the property is notredeemed under §580.23.THE TIME ALLOWED BY LAW FOR

REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF AJUD IC IAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES, SEC-TION 582.032, DETERMINING AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.Dated: August 12, 2009

Vermillion State Bank, MortgageeRalph L. MooreSTEIN & MOORE, P.A.Attorneys for Mortgagee332 Minnesota Street, #W-1650St. Paul, MN 55101(651) 224-96831853951 8/13-9/17/09

PUBLIC NOTICENotice of Public Sale

On August 21st, 2009 at 1:00 p.m. aLien Sale of personal property will beheld at the Lakeville Storage Centerlocation at 9455 215th St W, Lakeville,MN 55044.Included in sale:#8 Brandon Maki1251 Prairie View Trail Farmington, MN55024. Partial inventory: Big screen TV,gas grill, storage totes, jet ski, file cabi-net, bikes, extension ladder, kitchentable, clothes washer, refrigerator.Tag # 2522875#26 Kimberly Weber112 Co. Rd 42 Apple Valley, MN 55124.Partial inventory: Misc. boxes, beds,furniture, kitchen table and chairs,microwave, storage totes, children’stoys, clothing, book shelf.Tag # 2522886#38 Anne Mitchell209 1st Ave. N.E . New Prague, MN56071. Partial inventory: Car parts,computers, wheels, engine cherrypicker, couch, kitchen chairs.Tag # 25224011842964 8/6-8/13/09

PUBLIC NOTICESUMMONS


Case Type 14. Other CivilAction to Determine Adverse Claims


Court File No. 19HA-CV-09-4943Timothy L. Bergstrom, Plaintiff,vs.Preferred Credit Corporation, a Cali-fornia Corporation, and also all otherpersons unknown claiming any right,title, estate, interest or lien in the realestate described herein, Defendants.THE STATE OF MINNESOTA TO THEABOVE-NAMED DEFENDANTS:You are hereby summoned and

required to serve upon Plaintiff ’sattorney an Answer to the Complaintwhich is on file in the office of theC o u r t A d m i n i s t r a t o r o f t h eabove-named Court, within twenty (20)days after service of this Summonsupon you, exclusive of the day of ser-vice. If you fail to do so, judgment bydefault will be taken against you forthe relief demanded in the Complaint.This action involves , affects , or

brings into question real propertysituated in the County of Dakota, Stateof Minnesota, described as follows:Lot 1, Block 3, and Lot 2, Block 1,Surrey Heights Seventh Addition,Dakota County, Minnesota.NOTICE IS FURTHER GIVEN that the

object of said action is to obtain ajudgment declaring that Plaintiff is theowner in fee of the property describedabove.NOTICE IS FURTHER GIVEN that no

personal claim is made by Plaintiffagainst any of the Defendants.Civil cases are subject to Alternate

Dispute Resolution processes as pro-vided in Rule 114 of the General Rulesof Practice for the District Courts.A l te rna t ive D ispute Reso lut i onincludes mediation, arbitration, andother processes set forth in the rules.You may contact the Court Administra-tor for information about these pro-cesses and about resources availablein your area.Dated: August 3, 2009.

GRANNIS & HAUGE, P.A.BY: Barry L. WittenkellerAttorney I.D. No. 1182541260 Yankee Doodle Road, #200Eagan, MN 55121-2201Phone: 651-456-9000Fax: 651-454-4232

1850942 8/13-8/27/09

��



under which the business is or will beconducted: Zeman Enterprises.

2. State the address of the principalplace of business : 27435 GranadaAvenue, Farmington, MN 55024

3. List the name and complete streetaddress of all persons conductingbusiness under the above AssumedName, OR if an entity, provide the legalcorporate, LLC, or Limited Partner-ship name and registered of f iceaddress.Cody Zeman, 27435 Grenada Avenue,

Farmington, MN 550244. I certify that I am authorized to

sign this certificate and I further cer-tify that I understand that by signingthis certificate, I am subject to thepenalties of perjury as set forth inMinnesota Statutes section 609.48 asif I had signed this certificate underoath.Date 7-30-09

Cody Zeman, Owner1850559 8/13-8/20/09



under which the business is or will beconducted: TCI BIZ CAP.

2. State the address of the principalplace of business: 12270 NICOLLETAVENUE SOUTH, BURNSVILLE, MN55337

3. List the name and complete streetaddress of all persons conducting busi-ness under the above Assumed Name,OR if an entity, provide the legal corpo-rate, LLC, or Limited Partnership nameand registered office address.TCI BUSINESS CAPITAL, INC., 12270

NICOLLET AVENUE S., BURNSVILLE,MN 553374. I certify that I am authorized to

sign this certificate and I further certifythat I understand that by signing thiscertificate, I am subject to the penaltiesof perjury as set forth in MinnesotaStatutes section 609.48 as if I hadsigned this certificate under oath.Date 7-29-09

DANIEL ROBBINS, PRESIDENT1853656 8/13-8/20/09



under which the business is or will beconducted: Fiesta Market.

2. State the address of the principalplace of business: 320 3rd St., Farm-ington, MN 55024

3. List the name and complete streetaddress of all persons conductingbusiness under the above AssumedName, OR if an entity, provide the legalcorporate, LLC, or Limited Partner-ship name and registered of f iceaddress.Pablo Gonzalez , 20622 Brennan

Path, Farmington, MN 550244. I certify that I am authorized to


Pablo Gonzalez1838940 8/6-8/13/09



under which the business is or will beconducted: HORSE AND RIDER POR-TRAITS.

2. State the address of the principalplace of business: 616 TURNBERRYCT, NORTHFIELD, MN 55057

3. List the name and complete streetaddress of all persons conductingbusiness under the above AssumedName, OR if an entity, provide the legalcorporate, LLC, or Limited Partner-ship name and registered of f iceaddress.BUTTONWEED PRESS , LLC , 616

TURNBERRY CT, NORTHFIELD, MN550574. I certify that I am authorized to

sign this certificate and I further cer-tify that I understand that by signingthis certificate, I am subject to thepenalties of perjury as set forth inMinnesota Statutes section 609.48 asif I had signed this certificate underoath.

Date 03/04/2009JAMES PERRY, SECRETARY OFBUTTONWEED PRESS, LLC

1838904 8/6-8/13/09




under which the business is or will beconducted: Retirement EducationPLUS.

2. State the address of the principalplace of business : 13677 HolyokeLane, Apple Valley, MN 55124

3. List the name and complete streetaddress of all persons conductingbusiness under the above AssumedName, OR if an entity, provide the legalcorporate, LLC, or Limited Partner-ship name and registered of f iceaddress.Retirement Eduction PLUS Inc . ,

13677 Holyoke Lane, Apple Valley, MN551244. This certificate is an amendment

of Certificate of Assumed name num-ber 33626340002 originally filed onJune 1, 2009.5. I certify that I am authorized to

sign this certificate and I further cer-tify that I understand that by signingthis certificate, I am subject to thepenalties of perjury as set forth inMinnesota Statutes section 609.48 asif I had signed this certificate underoath.Date 7/20/2009Nancy K. Lecrone Nonini, President

1838856 8/6-8/13/09

��

��





In the Matter of:NANCY M. JACKLE, Petitionervs.WILLIAM R. HUFF, Respondent.To Respondent named above:An order has been issued directing

you to appear at 14955 GALAXIEAVENUE, APPLE VALLEY, MN on AUG26, 2009 at 9:00 a.m. and explain whythe relief sought in the Petition for theOrder for Protection should not begranted.You may obtain a copy of the Peti-


uled hearing, the Petitioner’s requestmay be granted as a default matter.Failure to appear will not be a defenseto prosecution for violation of theCourt’s Order.Date AUGUST 5, 2009

CAROLYN RENNCourt AdministratorVALERIE BLOMQUISTDeputy

1850579 8/13/09



default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: July 22, 2004ORIGINAL PRINCIPAL AMOUNT OF

MORTGAGE: $131,600.00MORTGAGOR(S): Nicole L. Christo-

phersen, an unmarried womanMORTGAGEE: Wachovia Mortgage,

FSB fka World Savings Bank, FSBDATE AND PLACE OF RECORDING:Recorded: August 18, 2004 Dakota

County RecorderDocument Number: 2239126Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-




LOCATED: DakotaProperty Address: 1118 Wildrose Ct,

Northfield, MN 55057-5296T a x P a r c e l I D N u m b e r :


ERTY: Lot 28, Block 1, College ViewEstates, CIC No. 197, Dakota County,Minnesota.AMOUNT DUE AND CLAIMED TO BE

DUE AS OF DATE OF NOT ICE :$159,167.15THAT all pre-foreclosure require-

ments have been complied with; that noaction or proceeding has been insti-tuted at law or otherwise to recover thedebt secured by said mortgage, or anypart thereof;PURSUANT to the power of sale con-








THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF AJUD IC IAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES, SEC-TION 582.032, DETERMINING, AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: August 13, 2009MORTGAGEE: Wachovia Mortgage,

FSB fka World Savings Bank, FSBWilford & Geske, P.A.Attorneys for MortgageeLawrence A. WilfordJames A. Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125-4393(651) 209-3300File Number: 004753F011854360 8/13-9/17/09



default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: December 30,


MORTGAGE: $154,000.00MORTGAGOR(S): Thomas A Alspach,

a single personMORTGAGEE: U.S. Bank, National

Association, NDDATE AND PLACE OF RECORDING:Recorded: February 02, 2005 Dakota

County RecorderDocument Number: 2291915Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableL ende r o r B roke r : U .S . Bank ,

National Association, NDResidential Mortgage Servicer: U.S.

Bank Consumer FinanceMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 5145 148th St W,

Apple Valley, MN 55124-6655T a x P a r c e l I D N u m b e r :


ERTY: Lot 39, Block 1, Diamond Path6th Addition, Dakota County, Minne-sota.AMOUNT DUE AND CLAIMED TO BE



t a i n e d i n s a i d m o r t g a g e , t h eabove-described property will be sold bythe Sheriff of said county as follows:DATE AND TIME OF SALE: October

01, 2009 at 10:00 AMPLACE OF SALE: Dakota County Law


under Minn. Stat. §580.30 or the prop-erty is not redeemed under Minn. Stat.§580.23, the Mortgagor must vacate theproperty on or before 11:59 p.m. onApril 01, 2010, or the next businessday if April 01, 2010 falls on a Satur-day, Sunday or legal holiday.Mortgagor(s) released from financial





MORTGAGEE: U.S. Bank,National Association, ND



NOTICE IS HEREBY GIVEN, thatdefault has occurred in the conditionsof a mortgage dated March 12, 2008,executed by Allen F. Most and Dor-othy J. Most, husband and wife, asmortgagor(s) to Vermillion State Bankas mortgagee in the original principalamount of Two Hundred Fifty Thou-s and ( $250 ,0 0 0 .0 0 ) Do l la r s ,recorded with the Dakota County Reg-istrar of Titles, State of Minnesota, onMa r c h 21 , 2 0 08 , a s do c . n o .625494; that the mortgage is uponregistered land; that all pre-foreclo-sure requirements have been com-plied with; that no action or proceed-ing has been inst ituted at law torecover any part of the debt secured bysaid mortgage; that there is claimed tobe due thereon the sum of Two Hun-dred Sixty-two Thousand EightH u n d r e d S e v e n t y - e i g h t($262,878.00) Dollars on this date;and that pursuant to the power of saletherein the mortgage will be fore-closed and the property in DakotaCounty, Minnesota, described as fol-lows:That part of Lots Five (5) and Six (6),in Block Two (2) of the Town of Hast-ings, described as follows, to-wit:Commencing at the Northwest cor-ner of said Lot Five (5); thence Easton the North line of said Lots Five (5)and Six (6) a distance of 103 feet;thence Southerly, in a straight line,to a point on the South line of saidLot Six (6) which is 28.29 feet Westof the Southeast corner of said LotSix (6); thence West along the Southline to the Southwest corner of saidLot Five (5) and thence North to thepoint of beginning.Street Address: 301 East 2nd Street,

Hastings, MN 55033Parcel I.D. #: 19 32150 060 02

w i l l be sold by the sher i f f of sa idcounty at public auction on October8, 2009, at 10:00 o 'clock A.M. atSheriff's Office, Law EnforcementCenter, 1580 Highway 55, Hastings,Minnesota, to pay the debt secured bythe mortgage, including costs andattorneys' fees allowed by law subjectto redemption by the mortgagor(s),their heirs or assigns, within six (6)months from the date of sale.Dated: August 12, 2009

Vermillion State Bank,Mortgagee

Ralph L. MooreSTEIN & MOORE, P.A.Attorneys for Mortgagee332 Minnesota Street, #W-1650St. Paul, MN 55101(651) 224-96831851131 8/13-9/17/09

PUBLIC NOTICENOTICE OF SALE

OF GOODS IN STORAGETO SATISFY WAREHOUSE’S LIENNotice is hereby given to person,

herein after named and others inter-ested that on 09 /15 /2009 at 11O ’clock in the AM of sale day, thegoods hereafter described will be soldby auction to the highest bidder forcash at the warehouse at:

260 Hardman Avenue South,South St, Paul, MN 55075

Sale will be held in accordance withterms of a notice previously given theperson herein-after named and othersinterested, and in accordance with thelien herewith and such other chargesas are valid lien against said goods,and for expenses of advertising saidsale. The name of the owners or per-sons whose account said goods areheld in storage, the warehouse con-tract of lot number under which saidgoods are held and a description of thegoods is as follows:

Misc. Household GoodsName: Carson O’BrienBill of Lading #: 77959Amount: $1,717.30

Bester Brothers Transferand Storage Company260 Hardman Ave. So.South St. Paul, MN 55075

1847949 8/13-8/27/09






Misc. Household GoodsName: Shelly RoyBill of Lading #: 68544Amount: $961.10


1850529 8/13-8/27/09






Misc. Household GoodsName: Christopher DownsBill of Lading #: 000210Amount: $1,185.00


1850550 8/13-8/27/09



MORTGAGE: $359,800.00MORTGAGOR(S): Ken Rubenzer and

Lynn Rubenzer, husband and wife andKenneth S. Rubenzer, an unmarriedpersonMORTGAGEE: Mortgage Electronic


Recorded: Ju ly 08, 2005 Dako taCounty Recorder, Document Number:2338270Transaction Agent: Mortgage Elec-


cation Number: 100016500005168595Lender or Broker: GN Mortgage, LLCRes iden t ia l Mortgage Serv icer :


LOCATED: DakotaProperty Address: 930 Wescott Trl,

Eagan, MN 55123-1219T a x P a r c e l I D N u m b e r :

108361202501LEGAL DESCRIPTION OF PROP -ERTY: Lot 2, Block 1, Wescott HillsRevised 3rd AdditionAMOUNT DUE AND CLAIMED TO BE















DISTRICT COURTFIRST JUDICIAL DISTRICTCASE TYPE: OTHER CIVIL

COURT FILE NO. 19HA-CV-09-4767Richard D. Wilson, Plaintiff,vs.Randy R. Johnson, Defendant.THE STATE OF MINNESOTA TO THEABOVE-NAMED DEFENDANT.

You are hereby summoned andrequired to serve upon the attorneysfor Plaintiff, Thomsen & Nybeck, P.A.,3300 Edinborough Way, Suite 600,Edina , Minnesota 55435-5962 , anAnswer to the Complaint herewithserved upon you within twenty (20)days after service, exclusive of the dayof service. If you fail to do so, judg-ment by default will be taken againstyou for the relief demanded in saidComplaint.

PARTIES TO CIVIL ACTIONS AREENCOURAGED TO ATTEMPT ALTER-NATIVE DISPUTE RESOLUTION PUR-SUANT TO MINNESOTA LAW. ALTER-NAT IVE D ISPUTE RESOLUT IONINCLUDES MEDIATION, ARBITRATION,AND OTHER PROCESSES AS SETFORTH IN THE DISTRICT COURTRULES . YOU MAY CONTACT THECOURT ADMINISTRATOR ABOUTRESOURCES IN YOUR AREA. IF YOUCANNOT PAY FOR MEDIATION ORALTERNATIVE DISPUTE RESOLUTION,IN SOME COUNTIES, ASSISTANCEM A Y B E A V A I L A B L E T O Y O UTHROUGH A NONPROFIT PROVIDEROR A COURT PROGRAM.Dated: June 24, 2009

THOMSEN & NYBECK, P.A.By /s/ Nathan J. Knoernschild(Atty No. 0387842)Attorneys for Plaintiff3300 Edinborough Way, Suite 600Edina, Minnesota 55435Telephone No. (612) 835-7000

ACKNOWLEDGEMENTREQUIRED BY LAW

Plaintiff Richard D. Wilson, throughhis undersigned attorney , herebyacknowledge that costs, disburse-ments, and reasonable attorney andwitness fees may be awarded pursuantto Minn. Stat. § 549.211, to the partyagainst whom the allegations in thispleading are asserted.Dated: June 24, 2009

/s/ Nathan J. Knoernschild1841817 8/6-8/20/09

PUBLIC NOTICENOTICE OF INFORMAL

APPOINTMENT OF PERSONALREPRESENTATIVE ANDNOTICE TO CREDITORS


DISTRICT COURTFIRST JUDICIAL DISTRICTPROBATE COURT DIVISION

Court File No. 19HAPR-09-486In Re Estate of HELEN LOUISECARRIGAN, DeceasedTO ALL INTERESTED PERSONSAND CREDITORS:Notice is hereby given, that an appli-

cation for informal appointment ofpersonal representative has been filedwith the Registrar. No Will has beenpresented for probate. The applicationhas been granted.Notice is hereby further given that

informal appointment of Vicki Hein-inger , whose address is 812 20thAvenue North, South St. Paul, MN55075, as personal representative ofthe estate of the above named dece-dent, has been made. Any heir, devi-see or other interested person may beentitled to appointment as personalrepresentative or may be object to theappointment of the personal represen-tative and the personal representativeis empowered to fully administer theestate including, after 30 days from thedate of issuance of his letters, thepower to sell, encumber, lease or dis-tribute real estate, unless objectionsthereto are filed with the Court (pursu-ant to Section 524.3-607) and theCourt otherwise orders.Notice is further given that ALL

CREDITORS having claims against saidestate are required to present the sameto said personal representative or tothe Court Administrator within fourmonths after the date of this notice orsaid claims will be barred.Dated: August 3rd, 2009

Carol M. RennRegistrarBy: Joann BauerDeputy Registrar

Attorney:Esther Lerman, #623151155 Centre Pointe Drive, Suite 10Mendota Heights, MN 55120651/452-14311846499 8/13-8/20/09

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under which the business is or will beconducted: ABC OfficeWerks

2. State the address of the principalplace of business: 3155 Coachman Rd.,Unit 375, Eagan, MN 55121

3. List the name and complete streetaddress of all persons conductingbusiness under the above AssumedName, OR if an entity, provide the legalcorporate, LLC, or Limited Partner-ship name and registered of f iceaddress.Amy Lang, 3155 Coachman Rd.,

#375, Eagan, MN 551214. I certify that I am authorized to

sign this certificate and I further cer-tify that I understand that by signingthis certificate, I am subject to thepenalties of perjury as set forth inMinnesota Statutes section 609.48 asif I had signed this certificate underoath.Date June 18, 2009

Amy Lang - Owner1850707 8/13-8/20/09



under which the business is or will beconducted: Rubber Soul Entertain-ment.

2. State the address of the principalplace of business: 1869 Deer HillsTrail, Eagan, MN 55122

3. List the name and complete streetaddress of all persons conductingbusiness under the above AssumedName, OR if an entity, provide the legalcorporate, LLC, or Limited Partner-ship name and registered of f iceaddress.Dwight Ludvigson, 1869 Deer Hills

Trail, Eagan, MN 55122Brian McGuire, 5750 Portland Ave.,

White Bear Lake, MN 55110Michael McDonough, 5013 Grafton

Ave. N., Oakdale, MN 551284. I certify that I am authorized to

sign this certificate and I further cer-tify that I understand that by signingthis certificate, I am subject to thepenalties of perjury as set forth inMinnesota Statutes section 609.48 asif I had signed this certificate underoath.Date July 17, 2009

Dwight Ludvigson, General Partner1843532 8/6-8/13/09


State of MinnesotaCounty of Dakota

District CourtFirst Judicial District

Court File Number: 19WS-FA-09-1264Case Type: Domestic Abuse

Lynnisha Antoinette Bell, Petitionervs.Corey Lashaun Davies, RespondentTo Respondent named above:An order has been issued directing

you to appear at Northern Service Cen-ter, 1 Mendota Rd. W., Suite 140, WestSt. Paul, MN 55118 on August 28, 2009at 1:30 p.m. and explain why the reliefsought in the Petition for the Order forProtection should not be granted.You may obtain a copy of the Peti-

tion and any order issued from thecourt from the Dakota County CourtAdministrator’s Office.If you do not appear at the sched-

uled hearing, the Petitioner’s requestmay be granted as a default matter.Failure to appear will not be a defenseto prosecution for violation of theCourt’s Order.Date August 10, 2009

Carolyn M. RennCourt AdministratorJean BaldwinDeputy

1853824 8/13/09

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PUBLIC NOTICEADVERTISEMENT FOR BIDS

DAKOTA COUNTY COMMUNITYDEVELOPMENT AGENCY (CDA)

EAGAN, MN 55123Notice is hereby given that sealed

bids will be received by the Office ofthe Director of Housing Finance &Development, Dakota County CDA,Minnesota until 10:00 AM, Wednes-day, August 26, 2009, at the office ofDakota County Community Develop-ment Agency, 1228 Town Centre Drive,Eagan, MN 55123, at which time theywill be publicly opened and read aloudfor the furnishing of all labor andmaterials for the Keyless Entry Instal-lation at nine senior apartmentbu i ldings a t var ious loca t ionsthroughout Dakota County.Bids received after this time and date

will be rejected. No telephone bids orfax bids will be accepted. Bids shall beon the forms provided for that purposeand according to the Bidding Docu-ments prepared by Dakota CountyCDA. Bids will be opened publicly andread aloud. A bid tabulation or otherbid result will be furnished to the Bid-ders . Bids shall be addressed to:Dakota County CDA, 1228 Town Cen-tre Drive, Eagan, MN 55123.Mandatory pre-bid walk-throughs

are scheduled on August 17 & 20,2009 starting at 8:30 AM on eachday. Attendance is required on bothdays of ALL bidders. Failure of abidder to attend the walk-throughsimmediately subjects his/her bid todisqualification. Call the DakotaCounty CDA Contact person below tof i n d o u t e x a c t d e t a i l s o f t h ewalk-throughs.

Interested bidders can contact BobRosenthal @ 651-675-4483 of theDakota County CDA to obta in b iddocuments and receive more informa-tion regarding this project. Specifica-tions for this project may not beavailable until August 17, 2009.Bid security in the amount of 5% of

the bid must accompany each bid inaccordance with the Instruction toBidders. Bids shall be directed to theProject Coordinator, securely sealedand endorsed upon the outside wrap-per, with the Project Address and BidDue Date.The CDA hereby notifies all bidders

that in regard to any Contract enteredinto pursuant to this advertisement,Disadvantaged Business Enterprises(D.M.E.) will be afforded full opportu-nity to submit bids and / or proposalsand will not be subjected to discrimi-nation on the basis of race, color, sex,age, religion, or national origin.The Dakota County CDA reserves the

right to reject any and all bids, to waiveirregularities and informalities thereinand to award the Contract in the bestinterest of the CDA.

B o b R o s e n th a l , C a p i t a lProjects CoordinatorDakota County CommunityDevelopment Agency

1842604 8/6-8/13/09

PUBLIC NOTICENotice of Issuance of HarassmentOrder For Relief by Publication

State of MinnesotaCounty of Dakota

District CourtFirst Judicial District

Court File Number: 19WS-CV-09-1223Case Type: Harassment

Juli M. Ezell, Petitioner(s)vs.Glen Ellis Price, Respondent(s)To Respondent named above:YOU ARE HEREBY NOTIFIED that

a Harassment Order For Relief hasbeen issued in the above matter.A hearing is scheduled for August

28, 2009 at 1:30 p.m. at Northern Ser-vice Center 1 Mendota Rd, #140 WestSt Paul, MN 55118.Failure to appear at a scheduled

hearing or to obtain a copy of theHarassment Order For Relief will notbe a defense to prosecution for viola-tion of the Court’s order.Date August 10, 2009

Carolyn M. RennCourt AdministratorJean BaldwinDeputy

1853845 8/13/09





In the Matter of:MICHELLE MARIE HANSON OBOMINOR, Petitionervs.WARREN KEITH CLARK, Respondent.To Respondent named above:An order has been issued directing

you to appear at 14955 GALAXIEAVENUE , APPLE VALLEY , MN on8/27/2009 at 9:00 a.m. and explain whythe relief sought in the Petition for theOrder for Protection should not begranted.You may obtain a copy of the Peti-




1850777 8/13/09

PUBLIC NOTICEORDER FOR

HEARING AND NOTICE(JUVENILE PROTECTION PETITION TOTRANSFER PERMANENT LEGAL ANDPHYSICAL CUSTODY PROCEEDINGS)COUNTY OF DAKOTASTATE OF MINNESOTA

COUNTY COURTJUVENILE DIVISION

File No. HA-JV-09-2002In the Matter of the Welfare of K.R.H.

and K.L., Children.TO: Alfred Christopher RosarioDakota County Attorney, Jennifer

Jackson, having filed in this Court, apetition alleging among other thingsthat the above named children are, inneed of protection or services, in this,viz:Pursuant to M innesota Statutes :260C .201, Subd. 11 and 518.156 ,518.17 and 518.18, the Dakota CountyAttorney will petition the Court totransfer permanent legal and physicalcustody of the above named children.IT IS ORDERED that said petition be

heard and the facts concerning suchchildren be examined by the Court inthe County Court Room, in the CourtHouse, in Hastings, Minnesota, onAugust 31, 2009 at 9:00 am, or as soonthereafter as said matter can be heard;IT IS FURTHER ORDERED tha t

notice hereof be given to the followingnamed persons by three weeks publi-cation in a legal newspaper as pro-vided by law, viz: Alfred ChristopherRosario.Dated: August 10, 2009

Richard G. SpicerJudge

1855646 8/13-8/27/09





In the Matter of:ODREE DASHEVANG, Petitionervs.SARORTH THUY, Respondent.To Respondent named above:An order has been issued directing

you to appear at 14955 GALAXIEAVENUE , APPLE VALLEY , MN on8/27/2009 at 9 a.m. and explain whythe relief sought in the Petition for theOrder for Protection should not begranted.You may obtain a copy of the Peti-




1850743 8/13/09PUBLIC NOTICE

NOTICE OF MORTGAGEFORECLOSURE SALE

NOTICE IS HEREBY GIVEN thatdefault has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: December 22,


MORTGAGE: $136,000.00MORTGAGOR(S): Charles G. Carter,

singleMORTGAGEE: Mortgage Electronic


Recorded: December 27, 2005 DakotaCounty Recorder, Document Number:2392008Transaction Agent: Mortgage Elec-


cation Number: 1000627-0121517397-8Lender or Broker: Pinnacle Finan-

cial Corporation dba Tri Star LendingGroupResidential Mortgage Servicer: GMAC

Mortgage, LLCMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 1759 Meadowlark

Ct, Eagan, MN 55122-1722T a x P a r c e l I D N u m b e r :

10-32950-013-04LEGAL DESCRIPTION OF PROP -ERTY : Unit No. 21759, CommonInterest Community Number 206,Meadowlark Ridge Townhomes No. 1,Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE



t a i n e d i n s a i d m o r t g a g e , t h eabove-described property will be soldby the Sheriff of said county as fol-lows:DATE AND TIME OF SALE: October



under Minn. Stat. §580.30 or the prop-erty is not redeemed under Minn. Stat.§580.23, the Mortgagor must vacatethe property on or before 11:59 p.m. onApril 01, 2010, or the next businessday if April 01, 2010 falls on a Satur-day, Sunday or legal holiday.Mortgagor(s) released from financial







PUBLIC NOTICENOTICE AND ORDER OF HEARINGON PETITION FOR PROBATE OFWILL AND APPOINTMENT OFPERSONAL REPRESENTATIVEAND NOTICE TO CREDITORS


FIRST JUDICIAL DISTRICTDISTRICT COURT

PROBATE DIVISIONCourt File No. 10HA-PR-09-489

Estate of Car leton D. Peterson,Decedent.It is Ordered and Notice is given that

on 9-14-2009, at 9:00 AM, a hearingwill be held in this Court at 1560Highway 55, Hastings, Minnesota, forthe formal probate of an instrumentpurporting to be the Will of the Dece-den t da ted , Novembe r 27 , 2007 ,(“Will”), and for the appointment ofJudy B. Peterson, whose address is581 Atlantic Hill Drive, Eagan, MN55123 as Personal Representative ofthe Estate of the Decedent in anUNSUPERVISED administration. Anyobjections to the petition must be filedwith the Court prior to or raised at thehearing. If proper and if no objectionsare filed or raised, the Personal Repre-sentative will be appointed with fullpower to administer the Estate includ-ing the power to collect all assets, topay all legal debts, claims, taxes andexpenses, to sell real and personalproperty, and to do all necessary actsfor the Estate.Notice is also given that (subject to

Minn. Stat. 524.3-801) all creditorshaving claims against the Estate arerequired to present the claims to thePersonal Representative or to theCourt Administra tor w i thin fourmonths after the date of this Notice orthe claims will be barred.Dated: 8/4/09

BY THE COURTPat SutherlandJudge of District Court

(COURT SEAL)Attorney for PetitionerTerrence A. MerrittSeverson, Sheldon, Dougherty &Molenda, P.A.7300 West 147th Street, Suite 600Apple Valley, MN 55124Attorney License No: 0072151Telephone: (952) 953-8824FAX: (952) 432-3780Email: [email protected] 8/6-8/13/09

PUBLIC NOTICENOTICE AND ORDER OF HEARING

ON PETITION FOR FORMALADJUDICATION OF INTESTACY,DETERMINATION OF HEIRSHIP,

APPOINTMENT OFPERSONAL REPRESENTATIVEAND NOTICE TO CREDITORS




Estate of Vickie L. Hilgers, DecedentIt is Ordered and Notice is given that

on September 14, 2009, at 9:00 a.m., ahearing will be held in this Court at1590 Highway 55, Hastings, Minnesota,for the adjudication of intestacy anddetermination of heirship of the Dece-dent , and for the appointment ofSharla R. Hassett, whose address is16568 Iredale Court, Lakeville, MN,55044 as Personal Representative ofthe Estate of the Decedent in anUNSUPERVISED administration. Anyobjections to the petition must be filedwith the Court prior to or raised at thehearing. If proper and if no objectionsare filed or raised, the Personal Repre-sentative will be appointed with fullpower to administer the Estate, includ-ing the power to collect all assets, topay all legal debts, claims, taxes andexpenses, to sell real and personalproperty, and to do all necessary actsfor the Estate.Notice is also given that (subject to

Minn. Stat. 524.3-801) all creditorshaving claims against the Estate arerequired to present the claims to thePersonal Representative or to theCourt Administra tor w i thin fourmonths after the date of this Notice orthe claims will be barred.Dated: August 10, 2009

BY THE COURTMichael V. SovisJudge of District Court

(COURT SEAL)Attorney for PetitionerTerrence A. MerrittSeverson, Sheldon, Dougherty &Molenda, P.A.7300 West 147th Street, Suite 600Apple Valley, MN, 55124Attorney License No: 0072151Telephone: (952) 953-8824FAX: (952) 432-3780Email: [email protected] 8/13-8/20/09

PUBLIC NOTICEORDER AND NOTICE

OF HEARING ON PETITIONFOR FORMAL PROBATE OF

WILL AND FOR APPOINTMENTOF PERSONAL REPRESENTATIVEIN UNSUPERVISED ADMINISTRATION

AND FOR DETERMINATIONOF HEIRSHIP AND

NOTICE TO CREDITORSSTATE OF MINNESOTACOUNTY OF DAKOTA

DISTRICT COURTFIRST JUDICIAL DISTRICTPROBATE COURT DIVISION

Court File No. 19HA-PR-09-461In Re: Estate of Thomas Lee Grady,also known as, Thomas L. Grady,a lso known as Thomas Grady ,Deceased.TO ALL INTERESTED PERSONS ANDCREDITORS:It is Ordered and Notice is hereby

given, that on the 31st day of August,2009, at 9:00 a.m. a hearing will beheld in the above named Court, at theDakota County Judicial Center, 1560Hwy 55, Hastings, MN for the formalprobate of instruments entitled LASTWILL AND TESTAMENT OF THOMASL. GRADY dated December 27, 2003,which instruments together purport tobe the Will of the above named dece-dent , and for the appointment ofDonna J. Grady, whose address is2747 East River Hills Dr., Burnsville,MN 55337, as personal representativeof the estate of the above-named dece-dent in unsupervised administration,and that any objections thereto mustbe filed with the Court. That, if proper,and no objections are filed, said per-sonal representative will be appointedto administer the estate, to collect allassets, pay all legal debts, claims,taxes and expenses, and sell real andpersonal property, and do all neces-sary acts for the estate.NOTICE IS FURTHER GIVEN THAT

ALL CREDITORS HAVING CLAIMSA G A I N S T S A I D E S T A T E A R EREQUIRED TO PRESENT THE SAMETO SAID PERSONAL REPRESENTA-TIVE OR TO THE DISTRICT COURTADMIN ISTRATOR WITHIN FOURMONTHS AFTER THE DATE OF THISNOTICE OR SAID CLAIMS WILL BEBARRED.Dated: 7-24-09

Micheal V. SovisJudge of District CourtProbate Division

J. Kevin McVay, Attorney for Petitioner7400 Lyndale Avenue South, #120Richfield, MN 55423612-866-1057 #71602FAX 612-866-51571834063 8/6-8/13/09

PUBLIC NOTICENOTICE OF AND ORDER FORHEARING ON PETITION FORFORMAL ADJUDICATION OF

INTESTACY, DETERMINATION OFHEIRS, FORMAL APPOINTMENT OFCO-PERSONAL REPRESENTATIVES

AND NOTICE TO CREDITORSSTATE OF MINNESOTACOUNTY OF DAKOTA


Court File No.: 19HA-PR-09-487In Re: Estate of Karen Noel Cook,Decedent.It is Ordered and Notice is given that

on September 14, 2009 at 9:00 AM, ahearing will be held in this Court atDakota County Judicial Center, Pro-bate Court, 1560 Highway 55, Hast-ings, Minnesota 55033 on a petition forthe adjudicat ion of intestacy anddetermination of decedent’s heirs, andfor the appointment of Jacob N. Hum-phrey, Miccia Humphrey and ShelliWampler, whose addresses are:Jacob N. Humphrey: 1887 Silver Bell

Road, Eagan, MN 55122;Miccia Humphrey: 222 North Walnut

Street, Maryville, MO 64468;Shelli Wampler: 1203 North Main

Street , Higginsville, MO 64037 asco-personal representatives of thedecedent’s estate in an unsupervisedadministration.Any objections to the petition must

be raised at the hearing or filed withthe Court prior to the hearing. If thepetition is proper and no objectionsare filed or raised, the personal repre-sentative will be appointed with thefull power to administer the decedent’sestate, including the power to collecta l l assets; to pay a l l lega l debts ,claims, taxes, and expenses; to sellreal and personal property; and to doall necessary acts for the decedent’sestate.Notice is further given that, subject

to Minn. Stat. § 524.3-801, all credi-to r s ha v i n g c la ims aga i ns t thedecedent ’s estate are requ ired topresent the claims to the personal rep-resentative or to the Court within four(4) months after the date of this noticeor the claims will be barred.Dated: 8/4/09

BY THE COURTPat SutherlandJudge of District Court

GRANNIS & HAUGE, P.A.Vance B. Grannis, Jr.MN # 368211260 Yankee Doodle RoadSuite 200Telephone: 651-456-9000Facsimile: 651-454-4232e-mail: [email protected] 8/6-8/13/09



MORTGAGE: $181,040.00MORTGAGOR(S): Erik C. Berge, a

single personMORTGAGEE: Mortgage Electronic


ING : Registered: August 19, 2005Dakota County Registrar of Titles,Document Number: 572538Transaction Agent: Mortgage Elec-


cation Number: 100137510000201808Lender or Broker: Lakeland Mort-

gage CorporationRes iden t ia l Mortgage Serv icer :



LOCATED: DakotaProperty Address: 2089 Cliffview Dr,


10-16601-120-02LEGAL DESCRIPTION OF PROP -ERTY: Lot Twelve (12), Block Two(2), In Cedar Cliff Second Addition,Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE



t a i n e d i n s a i d m o r t g a g e , t h eabove-described property will be soldby the Sheriff of said county as fol-lows:DATE AND TIME OF SALE: June 25,

2009 at 10:00 AMPLACE OF SALE: Dakota County





REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: May 07, 2009



for June 25, 2009 at 10:00 AM hasbeen Postponed to August 13, 2009 at10:00 AM in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesota insaid County and State.DATED: June 25, 2009


Wilford & Geske, P.A.Attorneys for Mortgagee:Lawrence A. WilfordJames A. Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125-4393(651) 209-3300File Number: 003544F01NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for August 13, 2009 at 10:00 AM hasbeen postponed to September 24, 2009at 10:00 AM in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesota insaid County and State.DATED: August 13, 2009



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NOTICE IS HEREBY GIVEN thatdefault has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: November 01,


MORTGAGE: $130,720.00MORTGAGOR(S): Kevin A. Kopp, a

single person and Andrea D. Springer,a single personMORTGAGEE: Mortgage Electronic


Recorded: November 22, 2005 DakotaCounty Recorder, Document Number:2383311Transaction Agent: Mortgage Elec-

tronic Registration Systems, Inc.


cation Number: 100220710000095352Lender or Broker: Maribella Mort-

gage, LLCResidential Mortgage Servicer: GMAC


LOCATED: DakotaProperty Address: 401 Linden St,


364530007009LEGAL DESCRIPTION OF PROP -ERTY: Lot 7, Block 9, Lincoln ParkAddition to South St. Paul, DakotaCounty, MinnesotaAMOUNT DUE AND CLAIMED TO BE














MORTGAGE: $123,200.00MORTGAGOR(S): Josie Eng, a single

womanMORTGAGEE: Mortgage Electronic




cation Number: 100135540000361536Lender or Broker: First National

Bank of ArizonaResidential Mortgage Servicer: GMAC


LOCATED: DakotaProperty Address: 311 3rd Ave S,


366430003013LEGAL DESCRIPTION OF PROP -ERTY: Lot 3, Block 13, of RiversidePark Addition to the city of South St.Paul, Dakota County, MinnesotaAMOUNT DUE AND CLAIMED TO BE





Law Enforcement Center, 1580 High-way 55, Lobby S-100, Hastings, Minne-sotato pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-ments, including attorney fees allowedby law, subject to redemption withinsix (6) months from the date of saidsale by the mortgagor(s), their per-

sale by the mortgagor(s), their personal representatives or assigns.Mortgagor(s) released from financial








NOTICE IS HEREBY GIVEN thatdefault has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: August 04,


MORTGAGE: $251,200.00MORTGAGOR(S): Benjamin T. Hei-

dtke and Tracy M. Heidtke, husbandand wifeMORTGAGEE: Mortgage Electronic


Recorded: September 19, 2005 DakotaCounty Recorder, Document Number:2362109ASSIGNMENTS OF MORTGAGE: And

assigned to: U.S. Bank, N.A., Dated:June 26, 2009Transaction Agent: Mortgage Elec-


cation Number: 100021268000229670Lender or Broker: Spectra FinancialResidential Mortgage Servicer: U.S.

Bank Home MortgageMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 8557 Bechtel Ct,

Inver Grove Heights, MN 55076-5105T a x P a r c e l I D N u m b e r :

20-54870-110-02LEGAL DESCRIPTION OF PROP -ERTY : Lot 11, B lock 2 , OrchardMeadowsAMOUNT DUE AND CLAIMED TO BE










ASSIGNEE OF MORTGAGEE:U.S. Bank, N.A.

Wilford & Geske, P.A.Attorneys for Assignee of MortgageeLawrence A. WilfordJames A. Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125-4393(651) 209-3300File Number: 005367F011788659 7/9-8/13/09

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DATE OF MORTGAGE: December 28,2006

MORTGAGORS: B rady J . Gunhusand Tamara J. Pietz, both single.


DATE AND PLACE OF RECORDING:Recorded January 31, 2007, DakotaCoun ty Recorder , Documen t No.2492959 , as co r rec ted by O rde rRecorded June 18, 2009 as DocumentNo. 2665125.

ASSIGNMENTS OF MORTGAGE :Assigned to: U .S . Bank, NationalAssociation, as successor trustee toBank of America, N. A. as successor bymerger to LaSa l le Bank N . A . , asTrustee for Merrill Lynch First Frank-lin Mortgage Loan Trust, MortgageLoan Asset-Backed Certificates, Series2007-2, Dated: November 1, 2007

TRANSACTION AGENT: MortgageElectronic Registration Systems, Inc.

TRANSACTION AGENT 'S MORT -GAGE IDENTIFICATION NUMBER ONMORTGAGE: 100425240011289706

LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: First Franklin

RESIDENTIAL MORTGAGE SER -VICER: Home Loan Services, Inc.

MORTGAGED PROPERTY ADDRESS:25773 Denmark Avenue, Farmington,MN 55024

TAX PARCEL I.D. #: 130250003001LEGAL DESCRIPTION OF PROP -

ERTY:That part of the East Half (E 1/2) of

the Northeast Quarter (NE 1/4) of Sec-tion Twenty-five (25), Township OneHundred Thirteen (113), Range Twenty(20 ) , Dako ta Coun ty , M inneso ta ,described as follows:Commencing at the Southeast cor-

ner of the Northeast Quarter (NE 1/4) ofsaid Section Twenty-five (25), thenceon an assumed bearing of North, alongthe East line of the Northeast Quarter(NE 1/4) of said Section Twenty-five(25), a distance of 957.75 feet to thepoint of beginning of the land to bedescribed; thence on a bearing of West,a distance of 425.00 feet, thence on abearing of North, a distance of 512.50feet; thence on a bearing of East, a dis-tance of 425.00 feet to the East line ofthe Northeast Quarter (NE 1/4) of Sec-tion Twenty-five (25), thence on a bear-ing of South, along said East line, adistance of 512.50 feet to the point ofbeginning, according to the UnitedStates Government Survey thereof andsituate in Dakota County, Minnesota.

COUNTY IN WHICH PROPERTY ISLOCATED: Dakota

ORIGINAL PRINCIPAL AMOUNT OFMORTGAGE: $367,500.00

AMOUNT DUE AND CLAIMED TO BEDUE AS OF DATE OF NOT I CE ,INCLUDING TAXES, IF ANY, PAID BYMORTGAGEE: $450,475.82

That prior to the commencement ofthis mortgage foreclosure proceedingMortgagee /Ass ignee of Mortgageecomplied with all notice requirementsas required by statute; That no actionor proceeding has been instituted atlaw or otherwise to recover the debtsecured by said mortgage, or any partthereof;

PURSUANT to the power of sa lecontained in said mortgage, the abovedescribed property will be sold by theSheriff of said county as follows:

D A T E A N D T I M E O F S A L E :September 3, 2009 at 10:00 AM

PLACE OF SALE: Sher i f f 's O f f ice,Law Enforcement Center, 1580 Hwy55, Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on saidp r em i s e s , a n d t h e c o s t s a n ddisbursements, including attorneys'f e e s a l l ow ed b y l aw s ub j e c t toredemption within six (6) months fromt h e d a t e o f s a i d s a l e b y t h em o r t g a g o r ( s ) , t h e i r p e r s o n a lrepresentatives or assigns.

MORTGAGOR(S) RELEASED FROMF I N A N C I A L O B L I G A T I O N O NMORTGAGE: None

"THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR 'S PERSONALREPRESENTATIVES OR ASSIGNS ,MAY BE REDUCED TO FIVE WEEKS IFA JUDICIAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES ,SECTION 582.032, DETERMINING,AMONG OTHER THINGS, THAT THEMOR TG AG ED P R EM I S E S A R EIMPROVED WITH A RESIDENTIALDWELLING OF LESS THAN FIVEUNITS, ARE NOT PROPERTY USED INAGRICULTURAL PRODUCTION, ANDARE ABANDONED."

Dated: June 30, 2009.U.S. Bank National Association,TrusteeMortgagee/Assignee of Mortgagee

USSET, WEINGARDEN AND LIEBO, P.L.L.P.By: Paul A. WeingardenAttorneys for Mortgagee/Assignee ofMortgagee4500 Park Glen Road #300Minneapolis, MN 55416(952) 925-688876-1654THIS IS A COMMUNICATION FROMA DEBT COLLECTOR.1797138 7/16-8/20/09



default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE : June 21,


MORTGAGE: $190,000.00MORTGAGOR(S): John D. McKinley

and Jena R. McKinley, Husband andWifeMORTGAGEE: Mortgage Electronic

Registration Systems, Inc.DATE AND PLACE OF RECORDING:Recorded: Ju ly 10 , 2007 Dakota

County RecorderDocument Number: 2529388Transaction Agent: Mortgage Elec-


cation Number: 100024200018079760Lender or Broker: American Home

MortgageResidential Mortgage Servicer: BAC

Home Loans Servicing, L.P.Mortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 16724 Garland

Way W, Rosemount, MN 55068-1900T a x P a r c e l I D N u m b e r :


ERTY: Lot 10, Block 3, Donnay's Col-lege Park 2nd Addition, Dakota County,Minnesota.AMOUNT DUE AND CLAIMED TO BE



t a i n e d i n s a i d m o r t g a g e , t h eabove-described property will be sold bythe Sheriff of said county as follows:DATE AND TIME OF SALE: May 07,

2009 at 10:00 AMPLACE OF SALE: Dakota County Law

Enforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesotato pay the deb t secured by sa idmortgage and taxes, if any, on saidp r e m i s e s a n d t h e c o s t s a n ddisbursements, including attorney feesallowed by law, subject to redemptionwithin six (6) months from the date ofsaid sale by the mortgagor(s), theirpersonal representatives or assigns.Mortgagor(s) released from financial


DEBT COLLECTOR ATTEMPTING TOC O L L E C T A D E B T . A N YINFORMATION OBTAINED WILL BEUSED FOR THAT PURPOSE.THE RIGHT TO VERIFICATION OF


THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR 'S PERSONALREPRESENTATIVES OR ASSIGNS, MAYBE REDUCED TO FIVE WEEKS IF AJUD IC IAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES ,SECTION 582.032, DETERMINING,AMONG OTHER THINGS, THAT THEMOR TG AG ED P R EM I S E S A R EIMPROVED WITH A RESIDENTIALDWELLING OF LESS THAN FIVEUNITS, ARE NOT PROPERTY USED INAGRICULTURAL PRODUCTION, ANDARE ABANDONED.DATED: March 19, 2009MORTGAGEE: Mortgage ElectronicRegistration Systems, Inc.

Wilford & Geske, P.A.Attorneys for MortgageeLawrence A. WilfordJames A. Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125-4393(651) 209-3300File Number: 001628F01

NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for May 07, 2009 at 10:00 AM has beenpostponed to June 25, 2009 at 10:00AM i n th e Da k o t a C oun t y L awEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesota insaid County and State.DATED: May 07, 2009MORTGAGEE: Mortgage ElectronicRegistration Systems, Inc.


for June 25, 2009 at 10:00 AM hasbeen postponed to August 13, 2009 at10:00 AM in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesota insaid County and State.DATED: June 25, 2009MORTGAGEE: Mortgage ElectronicRegistration Systems, Inc.


for August 13, 2009 at 10:00 AM hasbeen postponed to September 23, 2009at 10:00 AM in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesota insaid County and State.DATED: August 13, 2009MORTGAGEE: Mortgage ElectronicRegistration Systems, Inc.




DISTRICT COURTFAMILY COURT DIVISION

FIRST JUDICIAL DISTRICTTammy Karnofsky, Plaintiff, Petitioner,vs.Bryan George Duncan, Bryan JoshuaDuncan, Tory Duncan, and Willow TreeLLC, a Minnesota company, and itsAssigns, Defendants.THE STATE OF MINNESOTA TO THEABOVE-NAMED DEFENDANT:

Bryan George Duncan, 511 Colum-bus Avenue, Apt. 24, New Prague, Min-nesota, 56071.You are hereby summoned and

required to serve upon Plaintiff ’sattorney an answer to the Complaintwhich is served upon you togetherwith this Summons within twenty (20)days after service of this Summonsupon you, exclusive of the day of ser-vice. If you fail to do so, judgment bydefault will be taken against for therelief demanded in the Complaint.The object of this action is for theFraud and Conversion of companyassets.The above-captioned action involves,

affects or brings into question the titleto or some interest in real propertydescribed as:Section 34, Township 113, Range023, 2 acres commencing 135 feetnorth of northwest corner, block 14,St. Wenceslaus Addition, north 270feet east 297 feet, south 270 feet andwest 297 to poin t of beginningCounty of Scott, State of Minnesota.Dated: February 24, 2009.

LIEBMANN LAW OFFICE, P.A.By: Gary G. LiebmannAttorney for PlaintiffAtty. Reg. 23956212400 Portland Avenue S.Suite 180Burnsville, MN 55337(952) 882-1227

1831155 7/30-8/13/09




Case Type: 14 - Mortgage ForeclosureCourt File No.:

Greenleaf Third Association, Plaintiff,v.La t r en a Rob i n son ; S t ephen M .Read-Smith; Cynthia K. Read-Smith;First Union Home Equity Bank, N.A.;Wells Fargo Bank, N.A.; Metro Dental-Care; XYZ Corporation; ABC Partner-ship; John Doe; and Mary Roe, Defen-dants.THE STATE OF MINNESOTA TO THEABOVE-NAMED DEFENDANTS:EACH OF YOU ARE HEREBY SUM-

MONED AND REQUIRED to answer thecompla in t of the P la in t i f f in theabove-entitled action, which Com-plaint has been filed and is on file inthe Office of the Clerk of DistrictCourt, in the City of Hastings, Countyof Dakota, State of Minnesota, and tofile your answer to said Complaint inthe Office of said Clerk of Court withintwenty (20) days after the service ofthis Summons upon you, exclusive ofthe day of such service. If you fail toanswer the Complaint within the timespecified, the Plaintiff in this actionwill apply to the Court for the reliefdemanded in the Complaint.YOU ARE HEREBY NOTIFIED that

this action is brought for the purposeof foreclosing an association liengranted to Plaintiff by and throughDeclaration of Convenants, Conditions,and Restrictions dated December 27,1971, filed in the Office of the DakotaCounty Recorder and covering prop-erty legally described as follows:Lot 4, Block 3 , Greenleaf Town-houses Third AdditionIF PART OF THE PROPERTY TO

BE SOLD CONTAINS YOUR HOUSE,YOU MAY DESIGNATE AN AREA ASA HOMESTEAD TO BE SOLD ANDREDEEMED SEPARATELY.YOU MAY DES IGNATE THE

HOUSE YOU OCCUPY AND ANYAMOUNT OF THE PROPERTY AS AHOMESTEAD. THE DESIGNATEDHOMESTEAD PROPERTY MUSTCONFORM TO THE LOCAL ZONINGORDINANCES AND BE COMPACTSO THAT IT DOES NOT UNREA-SONABLY REDUCE THE VALUE OFTHE REMAINING PROPERTY.YOU MUST PROVIDE THE COURT

WITH A LEGAL DESCRIPTION OFTHE HOMESTEAD YOU HAVE DES-IGNATED.Pe rsona l judgmen t is c la imed

against Latrena Robinson.Dated: 7-29-09

SEVERSON, SHELDON, DOUGHERTY& MOLENDA, P.A.By: William M. Topka, #0339003Stephen A. Ling, #295504Robert B. Bauer, #227365Attorneys for Plaintiff7300 West 147th Street, Suite 600Apple Valley, Minnesota 55124(952) 432-3136

ACKNOWLEDGMENTThe party above-named represented

by the undersigned, hereby acknowl-edges that sanctions may be imposedpursuant to Minn. Stat. § 549.211.

/s/ William M. TopkaTHIS IS AN ATTEMPT TO COL-LECT A DEBT AND ANY INFORMA-TION OBTAINED WILL BE USEDFOR THAT PURPOSE.1840925 8/6-8/20/09




CASE TYPE: Quiet Title ActionCourt File No. 19-HA-CV-09-4651

Jason B. McClaryKelli J. McClary, Plaintiffs,vs.Hardy Boys Construction, LLC, Defen-dant.THE STATE OF MINNESOTA TO THEABOVE-NAMED DEFENDANTS.You are hereby summoned and

required to serve upon Plaintiff ’sattorney an Answer to the Complaint,which is herewith served upon you,within twenty (20) days after service ofthis Summons upon you, exclusive ofthe day of service. If you fail to do so,judgment by default will be takenagainst you for the relief demanded inthis Complaint.You are hereby notified that this

action is one of removal of mechanic’slien and slander of title with recoveryof attorneys’ fees, costs and disburse-ments herein. This action involves,affects or brings in question real prop-erty commonly known as 534 SpruceStreet, Eagan, Minnesota and is legallydescribed as Lot Three (3) , BlockThree (3), Long Acres 1st Addition,according to the plat thereof, DakotaCounty, MinnesotaThis case may be subject to Alterna-

tive Dispute Resolution (ADR) processunder Rule 114 of the General Rules ofCivil Procedure for the District Courts.The Court Administrator or your attor-ney can provide you with informationabout ADR options and a list of neu-trals available in your area. ADR doesnot affect your obligation to respond tothe Summons and Complaint withintwenty (20) days.Dated: July 16, 2009

Nathan J. KroghAttorney for PlaintiffAttorney Reg. No. 2866801700 West Highway 36Rosedale Towers, Suite 223Roseville, MN 55113(651) 631-0500

1822367 7/30-8/13/09





Estate of Mary Jane Vanden Heu-vel, DecedentIt is Ordered and Notice is given that

on 9-14-09, at 9:00 a.m., a hearing willbe held in this Court at 1560 Highway55, Hastings, Minnesota, for the formalprobate of an instrument purporting tobe the W i l l of the Decedent dated,October 27, 2008, and (”Will”), and forthe appointment of Leo Ernest Schmidt,whose address is 3843 Blaisdell AvenueSouth, Minneapolis, MN, 55409 as Per-sonal Representative of the Estate ofthe Decedent in an UNSUPERVISEDadministration. Any objections to thepetition must be filed with the Courtprior to or raised at the hearing. Ifproper and if no objections are filed orraised, the Personal Representative willbe appointed with full power to admin-ister the Estate including the power tocollect all assets, to pay all legal debts,claims, taxes and expenses, to sell realand personal property, and to do allnecessary acts for the Estate.Notice is also given that (subject to

Minn. Stat. 524.3-801) all creditorshaving claims against the Estate arerequired to present the claims to thePersonal Representative or to the CourtAdministrator within four months afterthe date of this Notice or the claims willbe barred.A charitable beneficiary may request

notice of the probate proceedings begiven to the Attorney General pursuantto Minn. Stat. 501B.41, subd. 5.Dated: 8-10-09

BY THE COURTMichael V. SovisJudge of District Court

(COURT SEAL)Attorney for PetitionerPaul G. ChristensenSkjold-Barthel, P.A.Campbell Mithun Tower, Suite 3220222 South Ninth StreetMinneapolis, MN, 55402Attorney License No: 0145348Telephone: (612) 746-2560FAX: (612) 746-2561Email: [email protected] 8/13-8/20/09

��

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DISTRICT COURTPROBATE DIVISION

FIRST JUDICIAL DISTRICTCourt File No. 19-HA-PR-09-494

ESTATE OF MARSHA A. GILLIAND,DECEDENT.It is Ordered and Notice is given that

on September 14, 2009 at 9:00 a.m. ahearing will be held in this Court at1560 Highway 55, Hastings, MN 55033,Minnesota, for the formal probate of aninstrument purporting to be the will ofDecedent, dated October 22, 2007, andfor the appointment of Kari S. Fletcherwhose address is: 166 Cross Road,West Chesterfield, NH 03466 as per-sonal representative of the Estate ofthe Decedent in an UNSUPERVISEDadministration. Any objections to thepetition must be filed with the Courtprior to or raised at the hearing. Ifproper and if no objections are filed orraised, the personal representative willbe appointed with full power to admin-ister the Estate, including the power tocollect all assets, pay all legal debts,claims, taxes and expenses, to sell realand personal property, and do all nec-essary acts for the Estate.Notice is also given that (subject to

Minn. Stat. 524.3-801) all creditorshaving claims against the Estate arerequired to present the claims to thepersonal representative or to the CourtAdministrator within four months afterthe date of this Notice or the claimswill be barred.Date 8/5/09

Michael MayerJudge

(COURT SEAL)Attorney For Personal RepresentativeTeresa B. Molinaro (#0388660)Sieloff and Associates, P.A.Yankee Square Office III3460 Washington Drive, #214Eagan, Minnesota 55122Phone: 651-454-2000Fax: 651-452-12401849214 8/13-8/20/09

PUBLIC NOTICENOTICE AND ORDER OF HEARING

ON PETITION FOR FORMALADJUDICATION OF INTESTACY,DETERMINATION OF HEIRSHIP,APPOINTMENT OF PERSONAL

REPRESENTATIVE AND NOTICETO CREDITORS



PROBATE COURT DIVISIONCourt File No. 19HA-PR-09-498

In R e : E s ta t e o f : GEORGE J .DARVEAUX, aka, GEORGE JOSEPHDARVEAUX, Deceased.It Is Ordered and Notice is hereby

given that on Monday, the 14th day ofSeptember, 2009, at 9:00 A.M., a hear-ing will be held in the above namedCourt at the Probate Court Division,Dakota County Judicial Center, 1560Highway 55, Hastings, Minnesota,55033, for the adjudication of intes-tacy and determination of heirship ofthe Decedent, and for the appointmentof Kevin J. Darveaux, whose address is1422 Lombardy Drive, Ham Lake, Min-nesota, 55304, as personal representa-tive of the Estate of the above nameddecedent in a Supervised administra-tion. Any objections to the petitionmust be filed with the Court prior to orraised at the hearing. If proper, and noobjections are filed or raised, the per-sonal representative will be appointedw ith fu l l power to administer theEstate, including the power to collectall assets, pay all legal debts, claims,taxes and expenses, to sell real andpersonal property, and do all neces-sary acts for the estate.Notice is further given that (subject

to Minn. Stat. 524.3-801) all creditorshaving claims against the Estate arerequired to present the claims to thepersonal representative or to the CourtAdministrator within four months afterthe date of this notice or the claimswill be barred.Date 8/5/09

Pat SutherlandJudge of District Court

(COURT SEAL)ATTORNEY FOR PERSONAL REPRE-SENTATIVEDENNIS J. VAN ORDEN, LTDDENNIS J. VAN ORDENATTORNEY AT LAWINTERCHANGE TOWER SUITE 654600 SOUTH HIGHWAY 169MINNEAPOLIS, MN 55426TELEPHONE 1-952-544-97271849444 8/13-8/20/09

PUBLIC NOTICEORDER AND NOTICE OF HEARINGFOR FORMAL PROBATE OF WILL

AND APPOINTMENT OFPERSONAL REPRESENTATIVE INUNSUPERVISED ADMINISTRATION



FIRST JUDICIAL DISTRICTCourt File No. 19HA-PR-09-492

In Re: Estate of Helen Erna Krause,Deceased.TO ALL INTERESTED PERSONS ANDCREDITORS:It is Ordered and Notice is hereby

given that on the 14th day, of Septem-ber, 2009, at 9:00 o’clock a.m., a hear-ing will be held in the above namedCourt at 1560 Highway 55, Hastings,Minnesota, for the formal probate of aninstrument purporting to be the will ofthe above named deceased, datedDecembe r 5 , 2 0 05 , and f o r theappointment of Gregory H. Krausewhose address is 5088 Lower 183rdStreet West, Farmington, Minnesota55024-8716, personal representative ofthe estate of the above named dece-dent in unsupervised administration,and that any objections thereto mustbe filed with the Court. That, if proper,and no objections are filed, personalrepresentative will be appointed toadminister the estate, to collect allassets, pay all legal debts, claims,taxes and expenses, and sell real andpersonal property, and do all neces-sary acts for the estate.Notice is further given that ALL

CREDITORS having claims against saidestate are required to present the sameto said personal representatives or tothe Court Administrator within fourmonths after the date of this notice orsaid claims will be barred.Dated: 8/4/09

Pat SutherlandJudge

(COURT SEAL)Mary B. RannellsAttorney ID No. 27014315000 Garrett AveApple Valley, MN 55124952-432-8899952-432-8914 (fax)1849313 8/13-8/20/09

PUBLIC NOTICENOTICE AND ORDER OF

HEARING ON PETITION FORFORMAL ADJUDICATION OF

INTESTACY, DETERMINATION OFHEIRSHIP, APPOINTMENT OFPERSONAL REPRESENTATIVEAND NOTICE TO CREDITORS

STATE OF MINNESOTACOUNTY OF Dakota


First JUDICIAL DISTRICTCourt File No. 19HA-PR-09-474

ESTATE OF Roger J. Pollok, DECE-DENT.It is Ordered and Notice is given that

on August 31, 2009 at 9:00 a.m. a hear-ing will be held in this Court at theDakota County Judicial Center, 1560Highway 55, Hastings, Minnesota, forthe adjudicat ion of intestacy anddetermination of heirship of the Dece-dent, and for the appointment of Den-nis P. Barrett whose address is: 1570Concordia Avenue, St. Paul, MN 55104as persona l representat ive of theEstate of the Decedent in an UNSU-PERVISED administration. Any objec-tions to the Petition must be filed withthe Court prior to or raised at the hear-ing. If proper and if no objections arefiled or raised, the personal represen-tative will be appointed with full powerto administer the Estate, including thepower to collect all assets, pay all legaldebts, claims, taxes and expenses, tosell real and personal property, and doall necessary acts for the Estate.Notice is also given that (subject to


Robert CarolanJudge

(COURT SEAL)Attorney For Personal RepresentativeJames M. BurkhardtAttorney at Law215 Fourth Street NorthCannon Falls, MN 55009507-263-3921Attorney I.D. 132861839096 8/6-8/13/09

PUBLIC NOTICENOTICE OF AND ORDER

FOR HEARING ON PETITIONFOR FORMAL ADJUDICATION OFINTESTACY, DETERMINATION OFHEIRS, FORMAL APPOINTMENT

OF PERSONAL REPRESENTATIVEAND NOTICE TO CREDITORS



Court File No.: 19HA-PR-09-440In Re: Estate of Stanley Keith Lar-son, Decedent.It is Ordered and Notice is given that

on 8-31-09 at 9:00 a.m., a hearing willbe held in this Court at Hastings, Min-nesota, on a petition for the adjudica-tion of intestacy and determination ofdecedent’s heirs, and for the appoint-ment of Keith Bryan Larson, whoseaddress is 4455 Village Lake Drive, SE,P.O. Box 502, Prior Lake, MN 55372, aspe r sona l rep resen ta t i ve o f thedecedent’s estate in an unsupervisedadministration.Any objections to the petition must

be raised at the hearing or filed withthe Court prior to the hearing. If thepetition is proper and no objectionsare filed or raised, the personal repre-sentative will be appointed with thefull power to administer the decedent’sestate, including the power to collecta l l assets; to pay a l l lega l debts ,claims, taxes, and expenses; to sellreal and personal property; and to doall necessary acts for the decedent’sestate.Notice is further given that, subject

to Minn. Stat. § 524.3-801, all credi-to r s ha v i n g c la ims aga i ns t thedecedent ’s estate are requ ired topresent the claims to the personal rep-resentative or to the Court within four(4) months after the date of this noticeor the claims will be barred.Dated: 7/24/09

Richard G. SpicerJudge of District Court

Carlson Estate PlanningKevin C. LaniganMN # 143397650 Edinborough Way, Suite 750Edina, MN 55435Telephone: 952-832-9000Facsimile: 952-896-0001e-mail: [email protected] 8/6-8/13/09



MORTGAGE: $182,200.00MORTGAGOR(S): Cynthia A. Thomas,



Recorded: June 08, 2007 Dako taCounty Recorder, Document Number:2522858

2522858Transaction Agent: Mortgage Elec-


cation Number: 100010402057823860Lender or Broker: SunTrust Mort-

gage, Inc.Residential Mortgage Servicer: Lit-

ton Loan Servicing, LPMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 13729 Heather

Hills Dr, Burnsville, MN 55337-3909T a x P a r c e l I D N u m b e r :

02-32252-030-06LEGAL DESCRIPTION OF PROP -ERTY: Lot 3, Block 6, Heather HillsThird Addition, CIC No. 467, DakotaCounty, Minnesota.AMOUNT DUE AND CLAIMED TO BE













NOTICE IS HEREBY GIVEN thatdefault has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: January 11,


MORTGAGE: $262,000.00MORTGAGOR(S): Karen L. Hauer and

Terry L. Hauer, wife and husbandMORTGAGEE: Mortgage Electronic


Recorded: January 30, 2008 DakotaCounty Recorder, Document Number:2568942Transaction Agent: Mortgage Elec-


cation Number: 100025440004032097Lender or Broker: Lehman Brothers

Bank, FSBRes iden t ia l Mortgage Serv icer :

Res iden t ia l Mortgage Serv icer :Aurora Loan Services, LLCMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 1396 -1398 Sig-

frid S, Eagan, MN 55123T a x P a r c e l I D N u m b e r :

10-84354-010-01LEGAL DESCRIPTION OF PROP -ERTY: Lot 1, Block 1, WildernessRun Fifth Addition, Dakota CountyAMOUNT DUE AND CLAIMED TO BE












PUBLIC NOTICENOTICE AND ORDER

OF HEARING ON PETITIONFOR FORMAL ADJUDICATION

OF INTESTACY, DETERMINATIONOF HEIRSHIP, APPOINTMENT




PROBATE DIVISIONCase No. 19HA-PR-09-462

Estate of DAVID A. BENTE, Dece-dent.It is Ordered and Notice is given that

on August 31, 2009 at 9:00 a.m., ahearing will be held in this Court at1560 Highway 55, Hastings, Minnesota,for the adjudication of intestacy anddetermination of heirship of the Dece-dent , and for the appointment ofBrenda Bente, whose address is P.O.Box 374, Victoria, MN, 55386 as Per-sonal Representative of the Estate ofthe Decedent in an UNSUPERVISEDadministration. Any objections to thepetition must be filed with the Courtprior to or raised at the hearing. Ifproper and if no objections are filed orraised, the Personal Representativewill be appointed with full power toadminister the Estate, including thepower to collect all assets, to pay alll e g a l d eb t s , c l a im s , t a x e s andexpenses, to sell real and personalproperty, and to do all necessary actsfor the Estate.Notice is also given that (subject to

Minn. Stat. 524.3-801) all creditorshaving claims against the Estate arerequired to present the claims to thePersonal Representative or to theCourt Administra tor w i thin fourmonths after the date of this Notice orthe claims will be barred.Dated: July 24, 2009

BY THE COURTThomas PochJudge of District Court

(COURT SEAL)Attorney for PetitionerRobert J. WendlingWENDLING & ASSOCIATES, P.A.Suite 145201 West Burnsville ParkwayBurnsville, MN 55337Attorney License No: 183957Telephone: (952) 894-2546FAX: (952) 890-15791841417 8/6-8/13/09

PUBLIC NOTICENOTICE AND ORDER

OF HEARING ON PETITIONFOR PROBATE OF WILL ANDCODICIL AND APPOINTMENT




FIRST JUDICIAL DISTRICTCourt File No. 19HA-PR-09-466

ESTATE OF KARI C. FASTH, akaKARI FASTH, DECEDENT.It is Ordered and Notice is given that

on August 31, 2009 at 9:00 a.m. a hear-ing will be held in this Court at 1560Highway 55, Hastings, MN 55033, Min-nesota, for the formal probate of aninstrument purporting to be the will ofDecedent, dated December 22, 2003and codicil to the will dated January 8,2008, and for the appointment of AmyF . Fe l iss whose add ress is : 316Uplands Drive, Aptos, CA 95003 aspersonal representative of the Estate ofthe Decedent in a SUPERVISED admin-istration. Any objections to the peti-tion must be filed with the Court priorto or raised at the hearing. If properand if no objections are filed or raised,the personal representative will beappointed with full power to adminis-ter the Estate, including the power tocollect all assets, pay all legal debts,claims, taxes and expenses, to sell realand personal property, and do all nec-essary acts for the Estate.Notice is also given that (subject to


David L. KnutsonJudge

(COURT SEAL)Attorney For Personal RepresentativeIvory L. Ruud, Esq. (0387000)Thomsen & Nybeck, P.A.3300 Edinborough WaySuite 600Edina, MN 55435(952) 835-7000Fax No. (952) 835-9450(Email: [email protected])1834009 8/6-8/13/09

PUBLIC NOTICENOTICE OF INFORMAL PROBATEOF WILL AND APPOINTMENT OF

PERSONAL REPRESENTATIVE ANDNOTICE TO CREDITORS




Estate of Walter William Hodgsona/k/a Bill Hodgson, Decedent.Notice is given that an application

for informal probate of the Decedent’swill dated July 24, 2003 and first codi-cil to the will, dated December 20,2007, has been filed with the Registrar.The application has been granted.Notice is also given that the Regis-

trar has informally appointed Susan C.Hodgson and Anne S. Hodgson, whoseaddresses are, respectively, 701 Lin-d en S t ree t , # 10 2 , S t . Pau l , MN55118-1168 and 318 Busch Terrance,Minneapolis, MN 55419 as personalrepresentatives of the Estate of theDecedent. Any heir, devisee or otherinterested person may be entitled toappointment as personal representa-tive or may object to the appointmentof the personal representatives. Unlessobjections are filed with the Court(pursuant to Minn. Stat. 524.3-607)and the Court otherwise orders, thepersonal representatives have fullpower to administer the Estate, includ-ing, after 30 days from the date ofissuance of letters, the power to sell,encumber, lease or distribute realestate.Any objections to the probate of the

Will or appointment of the PersonalRepresentatives must be filed with thisCourt and will be heard by the Courtafter the filing of an appropriate peti-tion and proper notice of hearing.Notice is also given that (subject to

Minn. Stat. 524.3-801) all creditorshaving claims against the Estate arerequired to present the claims to thepersonal representatives or to theCourt Administra tor w i thin fourmonths after the date of this Notice orthe claims will be barred.Dated: July 31st, 2009

Carol M. RennRegistrarBy: Joann BauerDeputy Registrar

Attorney for ApplicantAlison J. MiddenBriggs and Morgan, P.A.2400 IDS CenterMinneapolis, MN 55402Attorney License No: 0302934Telephone: (612) 977-8218FAX: (612) 977-8650Email: [email protected] 8/6-8/13/09


THE RIGHT TO VERIFICATION OFTHE DEBT AND IDENTITY OF THEORIGINAL CREDITOR WITHIN THETIME PROVIDED BY LAW IS NOTAFFECTED BY THIS ACTION.NOTICE IS HEREBY GIVEN , that

default has occurred in conditions ofthe following described mortgage:DATE OF MORTGAGE: May 19, 2004

DATE OF MORTGAGE: May 19, 2004MORTGAGORS: Wayne Allen Lord

and Julia Ann Lord, husband and wife.MORTGAGEE: Mortgage Electronic


Recorded June 21, 2004, Dako taCoun ty Recorder , Documen t No.2217792.ASSIGNMENTS OF MORTGAGE :

Assigned to: Aurora Loan Services,LLC, Dated: June 24, 2009.TRANSACTION AGENT: Mortgage


GAGE IDENTIFICATION NUMBER ONMORTGAGE: 100026900300698908LENDER OR BROKER AND MORT-

GAGE ORIGINATOR STATED ONMORTGAGE: Bell America Mortgage,LLC dba Bell MortgageRESIDENTIAL MORTGAGE SER -

VICER: Aurora Loan Services LLCMORTGAGED PROPERTY ADDRESS:

15813 Drawstone Trail, Apple Valley,MN 55124TAX PARCEL I.D.#: 01-18050-020-06LEGAL DESCRIPTION OF PROPERTY:Lot 2, Block 6, Common InterestCommunity Number 357, Cobble-stone Lake, Dakota County, Minne-sota.COUNTY IN WHICH PROPERTY IS



DUE AS OF DATE OF NOTICE, INCLUD-ING TAXES, IF ANY, PAID BY MORT-GAGEE: $461,118.35That prior to the commencement of

this mortgage foreclosure proceedingMortgagee/Assignee of Mortgagee com-plied with all notice requirements asrequired by statute; That no action orproceeding has been instituted at lawor o therw ise to recover the deb tsecured by said mortgage, or any partthereof;PURSUANT to the power of sale con-

tained in said mortgage, the abovedescribed property will be sold by theSheriff of said county as follows:DATE AND TIME OF SALE: August

27, 2009 at 10:00 AMPLACE OF SALE: Sheriff's Office,

Law Enforcement Center, 1580 Hwy55, Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on saidpremises, and the costs and disburse-ments , inc luding attorneys' feesallowed by law subject to redemptionwithin six (6) months from the date ofsaid sale by the mortgagor(s), theirpersonal representatives or assigns.MORTGAGOR(S) RELEASED FROM

FINANCIAL OBLIGATION ON MORT-GAGE: None

"THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALP R O D U C T I O N , A N D A R EABANDONED."Dated: June 29, 2009.

Aurora Loan Services LLCMortgagee/Assignee of Mortgagee




default has occurred in conditions ofthe following described mortgage:DATE OF MORTGAGE: April 14, 2005MORTGAGOR: Jeffrey S. Cherry, a

single person.MORTGAGEE: First FranklinDATE AND PLACE OF RECORDING:

Registered November 8, 2007, DakotaCounty Registrar of Titles, DocumentNo. 619916, Certificate of Title No.143757.ASSIGNMENTS OF MORTGAGE :

Assigned to: First Franklin FinancialCorporation, Dated: June 17, 2009.And thereafter assigned to: NationalCity Bank, Dated: June 23, 2009.Sa id Mortgage being Registered

Land.TRANSACTION AGENT: NONETRANSACTION AGENT 'S MORT -

GAGE IDENTIFICATION NUMBER ONMORTGAGE: NONELENDER OR BROKER AND MORT-

GAGE ORIGINATOR STATED ONMORTGAGE: First FranklinRESIDENTIAL MORTGAGE SER -

VICER: Home Loan Services, Inc.MORTGAGED PROPERTY ADDRESS:

8240 Cloman Avenue East, Inver GroveHeights, MN 55076TAX PARCEL I.D.#: 20-18851-040-03LEGAL DESCRIPTION OF PROP -ERTY: Lot 4, Block 3, in Cukier 2nd,Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS


MORTGAGE: $187,200.00

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tained in said mortgage, the abovedescribed property will be sold by theSheriff of said county as follows:


PLACE OF SALE: Sheriff's Office,Law Enforcement Center, 1580 Hwy55, Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on saidpremises, and the costs and disburse-ments , inc luding attorneys' feesallowed by law subject to redemptionwithin six (6) months from the date ofsaid sale by the mortgagor(s), theirpersonal representatives or assigns.MORTGAGOR(S) RELEASED FROM



National City BankMortgagee/Assignee of Mortgagee


PUBLIC NOTICEORDER AND NOTICE

OF HEARING ON PETITIONFOR FORMAL PROBATE OF WILL

AND APPOINTMENT OFPERSONAL REPRESENTATIVE INUNSUPERVISED ADMINISTRATION



Court File No. 19-HA-PR-09-478In Re: Estate of Kenneth J. Walt-man, aka Kenneth John Waltman,Deceased.TO ALL INTERESTED PERSONS ANDCREDITORS:It is Ordered and Notice is hereby

given that on the 31st day of August,2009, at 9:00 o’clock a.m., a hearingwill be held in the above named Courtat 1560 West Highway 55, Hastings,Minnesota, for the formal probate of aninstrument purporting to be the will ofthe above named deceased, datedMarch 14, 2002, and for the appoint-men t of John K . Wa l tman whoseaddress is 200 Shady Avenue, Vermil-lion, Minnesota 55085 as personal rep-resentative of the estate of the abovenamed decedent in unsuperv isedadministration, and that any objec-tions thereto must be filed with theCourt. That, if proper, and no objec-tions are filed, a personal representa-tive will be appointed to administer theestate, to collect all assets, pay alll e g a l d eb t s , c l a im s , t a x e s andexpenses, and sell real and personalproperty, and do all necessary acts forthe estate.Notice is further given that ALL

CREDITORS having claims against saidestate are required to present the sameto said personal representative or tothe Court Administrator within fourmonths after the date of this notice orsaid claims will be barred.Dated: 7/31/09

Michael MayerJudge

(COURT SEAL)P. James TaurinskasAttorney I.D. #108480633 So. Concord St., #320P.O. Box 605South St. Paul, MN 55075651-451-97431841574 8/6-8/13/09




DATE OF MORTGAGE: Oc tober 22 ,2004

MORTGAGORS: J u a n C a r l o sF r an ch e v i ch and C r i s t i an e M .Franchevich, husband and wife.


DATE AND PLACE OF RECORDING:Recorded November 22, 2004, Dakota

Recorded November 22, 2004, DakotaCoun ty Recorder , Documen t No.2269941.

ASSIGNMENTS OF MORTGAGE :Assigned to: U.S. Bank, N.A., Dated:June 22, 2009.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: U.S. Bancorp Advantage,LLC

RESIDENTIAL MORTGAGE SER -VICER: U.S. Bank Home Mortgage

MORTGAGED PROPERTY ADDRESS:15535 Duck Tail Lane #402, Apple Val-ley, MN 55124

TAX PARCEL I.D.#: 01-18052-402-20LEGAL DESCRIPTION OF PROPERTY:Unit No. 402 , Common InterestCommunity No. 397, Bayside, a con-dominium, Dakota County, Minne-sota.COUNTY IN WHICH PROPERTY IS







PLACE OF SALE: Sher i f f 's O f f ice,Law Enforcement Center, 1580 Hwy55, Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on saidpremises, and the costs and disburse-ments , inc luding attorneys' feesallowed by law subject to redemptionwithin six (6) months from the date ofsaid sale by the mortgagor(s), theirpersonal representatives or assigns.



Dated: June 29, 2009.U.S. Bank, N. A.Mortgagee/Assignee of Mortgagee




default has occurred in conditions ofthe following described mortgage:DATE OF MORTGAGE: October 12,

2005MORTGAGORS: Marshall N. Cargill

and Marjorie J. Cargill, husband andwife.

MORTGAGEE: Mortgage ElectronicRegistration Systems, Inc.DATE AND PLACE OF RECORDING:

Recorded October 27, 2005, DakotaCoun ty Recorder , Documen t No.2374930.ASSIGNMENTS OF MORTGAGE :

Assigned to: Chase Home Finance LLC,Dated: June 29, 2009.TRANSACTION AGENT: Mortgage



GAGE ORIGINATOR STATED ONMORTGAGE: CTX Mortgage Company,LLCRESIDENTIAL MORTGAGE SER -

VICER: Chase Home Finance LLCMORTGAGED PROPERTY ADDRESS:

15591 Early Bird Circle, Apple Valley,MN 55124

TAX PARCEL I.D.#: 01-18052-306-30LEGAL DESCRIPTION OF PROP -ERTY: Unit No. 306, CIC Number484, a Condominium, Legacy Homesat Cobblestone Lake North Shore,Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS




this mortgage foreclosure proceeding



DATE AND TIME OF SALE: Septem-ber 3, 2009 at 10:00 AMPLACE OF SALE: Sheriff's Office,



"THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALP R O D U C T I O N , A N D A R EABANDONED."Dated: July 1, 2009.

Chase Home Finance LLCMortgagee/Assignee of Mortgagee


PUBLIC NOTICENOTICE OF ASSESSMENT LIEN

FORECLOSURE SALEDate: June 18, 2009YOU ARE NOTIFIED THAT:1. Default has occurred in the terms

and conditions of the Declaration ofJefferson Commons Association (here-inafter the "Association") which wasrecorded as Document No. 1443836 onSeptember 11, 1997, in the Office ofthe Registrar of T it les of DakotaCounty, Minnesota, and also, pursu-ant to Minn. Stat. §515B.3-116, cover-ing the following property:LEGAL DESCRIPTION : Lot 9,Block 2, CIC #228, Heritage SquareAddi t ion, Jef ferson Commons ,Dakota County, MinnesotaSTREET ADDRESS: 20116 Home-fire Way, Lakeville, MN 55044TAX PARCEL ID NUMBER :22-32100-090-022. Pursuant to said Declaration,

there is claimed to be due and owingas of June 18, 2009, from Julie Woo-dis, title holder, to the Association, aMinnesota non-profit corporation, theamount of $3 ,108.00 for unpa idassociation dues, late fees, attorneysfees and costs, plus any other suchamounts that will accrue after June 17,2009, and other costs of collection andforeclosure which will be added to theamount claimed due and owing at thetime of the sale herein

3. No action is now pending at law orotherwise to recover said debt or anypart thereof.4. The owner has been released from

part of her personal financial obliga-tion to pay said amount owed thruDecember 23, 2008, but remains obli-gated for amounts accruing after saiddate, and the property remains subjectto the Association's lien.5. The Declaration, referenced above,

and Minn. Stat . §§515B .3-115 and515B.3-116 provide for a continuinglien against the property. A Notice ofLien evidencing the amount due wasrecorded on November 25, 2008, asDocument No. 2624295 in the DakotaCounty Recorder's Office.

6. Pursuant to the power of sale con-tained in the same Declaration andgranted by the owner in taking title tothe premises subject to said Declara-t ion and pursuant to M inn. Stat .§§515B.3-115 and 515B.3-116, saidLien will be foreclosed by the sale ofsaid property by the Sheriff of DakotaCounty, at the Dakota County SheriffsOffice, Dakota County Law Enforce-ment Center, 1580 Highway 55 LobbyS-100, Hastings, MN 55033, on the26th day of August, 2009, at 10:00a.m. at public auction to the highestbidder, to pay the amount then due forsaid assessments, together with thecosts of foreclosure, including attor-neys fees as allowed by law.

7. The t ime a l lowed by law fo rredemption by the unit owner, her per-sonal representatives or assigns is six(6) months from the date of sale.

REDEMPTION NOTICETHE TIME ALLOWED BY LAW FOR

REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURAL

PROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.8. THIS IS A COMMUNICATION FROM

A DEBT COLLECTOR ATTEMPTING TOCOLLECT A DEBT. ANY INFORMA-TION OBTAINED WILL BE USED FORTHAT PURPOSE.

JEFFERSON COMMONSASSOCIATION

Attorneys for Jefferson CommonsAssociation:THOMSEN & NYBECK, P.A.By: Gretchen S. Schellhas (#195595)3300 Edinborough Way, Suite 600Edina, Minnesota 55435(952) 835-7000(Jefferson Commons/Woodis/06-7-504D)1781311 7/9-8/13/09




DATE OF MORTGAGE: March 23,2007

MORTGAGORS: Joleen L . Munsonand Jens B. Munson, wife and hus-band.


DATE AND PLACE OF RECORDING:Recorded April 5, 2007, Dakota CountyRecorder, Document No. 2507777.

ASSIGNMENTS OF MORTGAGE :Assigned to: U.S. Bank, National Asso-ciation, as successor trustee to Bankof America , N . A . as successor bymerger to LaSa l le Bank N . A . , asTrustee for Merrill Lynch First Frank-lin Mortgage Loan Trust, MortgageLoan Asset-Backed Certificates, Series2007-3, Dated: July 15, 2009.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: First Franklin FinancialCorporation


MORTGAGED PROPERTY ADDRESS:6683 Folsom Path, Farmington, MN55024

TAX PARCEL I.D.#: 22-18301-040-01LEGAL DESCRIPTION OF PROPERTY:Lot 4, Block 1, County Pond South2nd Addition, Dakota County, Min-nesota.COUNTY IN WHICH PROPERTY IS






DATE AND TIME OF SALE: October7, 2009 at 10:00 AM

PLACE OF SALE: Sher i f f 's O f f ice,Law Enforcement Center, 1580 Hwy55, Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on saidpremises, and the costs and disburse-ments , inc luding attorneys' feesallowed by law subject to redemptionwithin six (6) months from the date ofsaid sale by the mortgagor(s), theirpersonal representatives or assignsunless reduced to Five (5) weeks underMN Stat. §580.07.

TIME AND DATE TO VACATE PROP-ERTY : I f th e r e a l e s t a t e i s anowner-occupied, single-family dwell-ing, unless otherwise provided by law,the date on or before which the mort-gagor(s) must vacate the property if themortgage is not reinstated under sec-tion 580.30 or the property is notredeemed under section 580.23 is11:59 p.m. on April 7, 2010.



Dated: July 27, 2009.US Bank National Association,as TrusteeMortgagee/Assignee of Mortgagee





MORTGAGE: $208,000.00MORTGAGOR(S): Greg D. Dotstry

and Kawanna B. Dotstry, husband andwifeMORTGAGEE: Mortgage Electronic


ING: Registered: November 04, 2005Dakota County Registrar of Titles,Document Number: 578449

Document Number: 578449Transaction Agent: Mortgage Elec-






LOCATED: DakotaProperty Address: 13490 Havelock

Trl, Apple Valley, MN 55124-9516T a x P a r c e l I D N u m b e r :

01-56775-030-04LEGAL DESCRIPTION OF PROP -ERTY: Lot Three (3), Block Four (4)in Palomino Woods, according to thereco rded p la t the reo f , Dako taCounty, MinnesotaAMOUNT DUE AND CLAIMED TO BE














MORTGAGE: $244,800.00M O R T G A G O R ( S ) : L u i s R .

Vilchis-Lopez and Fathiya Ali, hus-band and wifeMORTGAGEE: Mortgage Electronic


ING: Registered: September 11, 2006Dakota County Registrar of Titles,Document Number: 597345Transaction Agent: Mortgage Elec-


cation Number: 100232301120031794Lender or Broker: Centennial Mort-

gage and Funding, Inc.Residential Mortgage Servicer: BAC

Home Loans Servicing, L.P.Mortgage Originator: Not ApplicableCERTIFICATE OF TITLE NUMBER:


LOCATED: DakotaProperty Address: 2215 Friendship

Ln, Burnsville, MN 55337-4276T a x P a r c e l I D N u m b e r :

02-27700-210-02LEGAL DESCRIPTION OF PROP -ERTY: Lot 21, Block 2 in FriendshipAcres, according to the recorded platthereof.AMOUNT DUE AND CLAIMED TO BE









REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: June 25, 2009MORTGAGEE: Mortgage ElectronicRegistration Systems, Inc.


for August 13, 2009 at 10:00 AM hasbeen postponed to October 15, 2009 at10:00 AM in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesota insaid County and State.DATED: August 13, 2009MORTGAGEE: Mortgage ElectronicRegistration Systems, Inc.




default has occurred in conditions ofthe following described mortgage:DATE OF MORTGAGE: April 2, 2007MORTGAGORS: Justin M. Rojesky

and Rachel L. Peters, both single.MORTGAGEE: Mortgage Electronic


Recorded Apr i l 16 , 2007 , DakotaCoun ty Recorder , Documen t No.2509981.ASSIGNMENTS OF MORTGAGE :

Assigned to: Chase Home Finance LLC,Dated: June 25, 2009.TRANSACTION AGENT: Mortgage



GAGE ORIGINATOR STATED ONMORTGAGE: CTX Mortgage Company,LLCRESIDENTIAL MORTGAGE SER -


19726 Escort Trail, Farmington, MN55024

TAX PARCEL I.D.#: 14-16600-607-10LEGAL DESCRIPTION OF PROP -ERTY: Unit No. 607, Common Inter-est Community Number 520, a Con-dominium, Charleswood Crossing,Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS




this mortgage foreclosure proceedingMortgagee/Assignee of Mortgagee com-plied with all notice requirements as

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DATE OF MORTGAGE: July 23, 2003MORTGAGOR: Deanna D. Huehn, a

single person.MORTGAGEE: Na t iona l C i ty Rea l

Estate Services LLC s/b/m NationalCity Mortgage, Inc. f/k/a National CityMortgage Co. dba Commonwea lthMid-Atlantic Mortgage.

DATE AND PLACE OF RECORDING:Recorded September 9, 2003, DakotaCoun ty Recorder , Documen t No.2106478.

ASSIGNMENTS OF MORTGAGE :NONE

TRANSACTION AGENT: NONETRANSACTION AGENT 'S MORT -

GAGE IDENTIFICATION NUMBER ONMORTGAGE: NONE

LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: National City Real EstateServices LLC s/b/m National City Mort-gage, Inc. f/k/a National City MortgageCo. dba Commonwealth Mid-AtlanticMortgage

RESIDENTIAL MORTGAGE SER -VICER: National City Real Estate Ser-vices LLC

MORTGAGED PROPERTY ADDRESS:4510 B Cinnamon Ridge Trail, Eagan,MN 55122

TAX PARCEL I.D.#: 10-17400-151-00LEGAL DESCRIPTION OF PROPERTY:Building B, Unit No. 11, CinnamonRidge Carriage Homes, A Condo-minium, Condominium No. 41,Located in Dakota County, Minne-sota.COUNTY IN WHICH PROPERTY IS











Dated: July 30, 2009.National City Real Estate ServicesLLCMortgagee/Assignee of Mortgagee



NOTICE IS HEREBY GIVEN thatdefault has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: February 28,


MORTGAGE: $72,800.00MORTGAGOR(S): Pablo Chavez and

Norma Vazquez, husband and wifeMORTGAGEE: Mortgage Electronic


ING : Registered: March 11, 2005Dakota County Registrar of Titles,Document Number: 560735ASSIGNMENTS OF MORTGAGE: And

assigned to: U. S. Bank National Asso-ciation, as Trustee, on behalf of theholders of the Home Equity AssetT rust 2005-4 Home Equ i ty PassThrough Certificates, Series 2005-4,Dated: April 18, 2007, Registered: April30, 2007 Dakota County Registrar ofTitles, Document Number: 609645Transaction Agent: Mortgage Elec-


cation Number: 100077910003529886Lender or Broker : Decision One

Mortgage Company, LLCResidential Mortgage Servicer: Select

Portfolio ServicingMortgage Originator: Not ApplicableCERTIFICATE OF TITLE NUMBER:


LOCATED: DakotaProperty Address: 221 Grand Ave W

Ap t 116 , Sou th Sa i n t Pau l , MN55075-2074T a x P a r c e l I D N u m b e r :

36-72850-116-20LEGAL DESCRIPTION OF PROP -ERTY: Unit 116, Common InterestCommuni t y No . 461 , a Condo -minium, Grand Hill Condominium,Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE











ASSIGNEE OF MORTGAGEE: U. S.Bank National Association, asTrustee, on behalf of the holdersof the Home Equity Asset Trust2 0 0 5 - 4 H ome E q u i t y P a s sThrough Cert i f icates , Ser ies2005-4





DATE OF MORTGAGE: November 20,2002

MORTGAGORS: Sheldon K. Ander-son and Pamala A. Anderson, husbandand wife.


DATE AND PLACE OF RECORDING:Recorded May 13 , 2003 , Dakota

Coun ty Recorder , Documen t No.2046449.




LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Lakes National Mortgage

RESIDENTIAL MORTGAGE SER -VICER: Flagstar Bank, FSB

MORTGAGED PROPERTY ADDRESS:697 Haven Hill Road, Eagan, MN 55123

TAX PARCEL I.D.#: 10-32990-120-07LEGAL DESCRIPTION OF PROPERTY:Lot 12, Block 7, Hills of StonebridgeCOUNTY IN WHICH PROPERTY IS






DATE AND TIME OF SALE: August 6,2009 at 10:00 AM




Dated: June 4, 2009.Mortgage Electronic Registra-tion Systems, Inc.Mortgagee/Assignee of Mortgagee


sota Statutes 580.07, the foregoingforeclosure sale is postponed untilOctober 8, 2009 at 10:00 am at theSheriff's Office, Law Enforcement Cen-ter, 1580 Hwy 55, Lobby #S-100, Hast-ings, MN, in said county and state.

Dated: August 6, 2009.Mortgage ElectronicRegistration Systems, Inc.Mortgagee/Assignee of Mortgagee


plied with all notice requirements asrequired by statute; That no action orproceeding has been instituted at lawor o therw ise to recover the deb tsecured by said mortgage, or any partthereof;PURSUANT to the power of sale con-










NOTICE IS HEREBY GIVEN , thatdefault has occurred in conditions ofthe following described mortgage:DATE OF MORTGAGE: August 4,

2005MORTGAGOR: Anthony Ruddock, a

single person.MORTGAGEE: Chase Bank USA, N.A.DATE AND PLACE OF RECORDING:

Recorded August 29, 2005, DakotaCoun ty Recorder , Documen t No.2355780.ASSIGNMENTS OF MORTGAGE :

Assigned to: JPMorgan Chase Bank,N .A . , Dated: September 25, 2007 ,Recorded: October 2, 2007, DocumentNo. 2547923.TRANSACTION AGENT: NONETRANSACTION AGENT 'S MORT -


GAGE ORIGINATOR STATED ONMORTGAGE: Chase Bank USA, N.A.RESIDENTIAL MORTGAGE SER -

VICER: Chase Home Finance, LLCMORTGAGED PROPERTY ADDRESS:

619 Evergreen Drive, Burnsville, MN55337TAX PARCEL I.D.#: 02-84810-009-01LEGAL DESCRIPTION OF PROPERTY:Lot 9, B lock 1, Wood Park P latEleven, Dakota County, MinnesotaCOUNTY IN WHICH PROPERTY IS









"THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOT

LESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALP R O D U C T I O N , A N D A R EABANDONED."Dated: July 2, 2009.

JPMorgan Chase Bank, N.A.Mortgagee/Assignee of Mortgagee



NOTICE IS HEREBY GIVEN thatdefault has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: April 30, 2004ORIGINAL PRINCIPAL AMOUNT OF

MORTGAGE: $223,000.00MORTGAGOR(S): Marcus Bohn, a



Recorded: Ju ly 02 , 2004 Dako ta



cation Number: 100177700000340081Lender or Broker: Home Town Mort-

gage, Inc.Res iden t ia l Mortgage Serv icer :


LOCATED: DakotaProperty Address: 98-100 Meadow

Cir, Burnsville, MN 55337T a x P a r c e l I D N u m b e r :

02-64500-120-05LEGAL DESCRIPTION OF PROP -ERTY : Lo t 12 , B lock 5, Roll ingMeadow AcresAMOUNT DUE AND CLAIMED TO BE















MORTGAGE: $208,000.00MORTGAGOR(S): Burton Koukol and

Susan Kay Koukol, husband and wifeMORTGAGEE: Mortgage Electronic


ING: Registered: November 16, 2005Dakota County Registrar of Titles,Document Number: 579256Transaction Agent: Mortgage Elec-


cation Number: 100077910005030669Lender or Broker : Decision One

Mortgage Company, LLCResidential Mortgage Servicer: GMAC

Mortgage, LLCMortgage Originator: Not ApplicableCERTIFICATE OF TITLE NUMBER:


LOCATED: DakotaProperty Address: 200 14th Ave N,


36-47400-170-01LEGAL DESCRIPTION OF PROP -ERTY: Lots Sixteen (16) and Seven-teen (17), Block One (1) MarshallsAdd. to the City of South St Paul,according to the plat thereof on fileand of record in the Office of theRegister of Deeds in and for saidCounty and State.AMOUNT DUE AND CLAIMED TO BE




27, 2009 at 10:00 AM











default has occurred in conditions ofthe following described mortgage:DATE OF MORTGAGE: November 12,

2004MORTGAGORS: Katri K. Balfanz and

Clinton Balfanz, wife and husband.MORTGAGEE: Mortgage Electronic


Registered December 17, 2004, DakotaCounty Registrar of Titles, DocumentNo. 554586, Certificate of Title No.134560.ASSIGNMENTS OF MORTGAGE :

Assigned to: Chase Home FinanceLLC, Dated: June 25, 2009.Sa id Mortgage being Registered




GAGE ORIGINATOR STATED ONMORTGAGE: NBank, N.A.RESIDENTIAL MORTGAGE SER -


17742 Ketchikan Trail, Lakeville, MN55044

TAX PARCEL I.D.#: 22-75890-030-02LEGAL DESCRIPTION OF PROP -

ERTY: Lot 3, Block 2, The Oaks ofLakevilla.COUNTY IN WHICH PROPERTY IS





tained in said mortgage, the abovedescribed property will be sold by theSheriff of said county as follows:DATE AND TIME OF SALE: Septem-

ber 1, 2009 at 10:00 AMPLACE OF SALE: Sheriff's Office,




ABANDONED.Dated: June 29, 2009.



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default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: May 01, 2007ORIGINAL PRINCIPAL AMOUNT OF

MORTGAGE: $164,000.00MORTGAGOR(S): Artemio Trevino

and Ninfa Trevino, husband and wifeMORTGAGEE: Mortgage Electronic

Registration Systems, Inc.DATE AND PLACE OF RECORDING:Recorded: June 07, 2007 Dakota

County RecorderDocument Number: 2522565ASSIGNMENTS OF MORTGAGE:And assigned to: Ocwen Loan Ser-

vicing, LLCDated: April 28, 2009Recorded: June 19, 2009 Dakota



cation Number: 100371100000524840Lende r o r B roke r : Mo r tgage &

Investment Consultants, Inc.Residential Mortgage Servicer: Ocwen

Loan Servicing, LLCMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 312 13th Ave S,


361990004001LEGAL DESCRIPTION OF PROP-

ERTY : Lo t 4, B lock 1, Deer Park,Dakota County, MinnesotaAMOUNT DUE AND CLAIMED TO BE



t a i n e d i n s a i d m o r t g a g e , t h eabove-described property will be sold bythe Sheriff of said county as follows:DATE AND TIME OF SALE: August


Enforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesotato pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-ments, including attorney fees allowedby law, subject to redemption within six(6) months from the date of said saleby the mortgagor(s), their personal rep-resentatives or assigns.Mortgagor(s) released from financial




THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF AJUD IC IAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES, SEC-TION 582.032, DETERMINING, AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: June 25, 2009ASSIGNEE OF MORTGAGEE: Ocwen

Loan Servicing, LLCWilford & Geske, P.A.Attorneys for Assignee of MortgageeLawrence A. WilfordJames A. Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125-4393(651) 209-3300File Number: 003679F01


for August 13, 2009 at 10:00 AM hasbeen postponed to October 01, 2009 at10:00 AM in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesota insaid County and State.DATED: August 13, 2009ASSIGNEE OF MORTGAGEE: Ocwen

Loan Servicing, LLCWilford & Geske, P.A.Attorneys for Assignee Of Mortgagee:Lawrence A. WilfordJames A. Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125-4393(651) 209-3300File Number: 003679F011854411 8/13/09




DATE OF MORTGAGE: October 13 ,2006

MORTGAGOR: Joshua C . A l len, amarried person.



Recorded October 31, 2006, DakotaCoun ty Recorder , Documen t No.2472358.

ASSIGNMENTS OF MORTGAGE :Ass i gned to : DEUTSCHE BANKNATIONAL TRUST COMPANY , ASTRUSTEE UNDER THE POOLING AND

SERVICING AGREEMENT RELAT-ING TO IMPAC SECURED ASSETSCORP., MORTGAGE PASS-THROUGHCERTIFICATES, SERIES 2006-4, Dated:June 1, 2009.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Impac Funding Corpora-tion dba Impac Lending Group

RESIDENTIAL MORTGAGE SER -VICER: BAC Home Loans ServicingL.P.

MORTGAGED PROPERTY ADDRESS:1317 Summit Oaks Drive, Burnsville,MN 55337

TAX PARCEL I.D. #: 027300015001LEGAL DESCRIPTION OF PROPERTY:Lot 15, Block 1, Summit Oaks FirstAddition, Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS






DATE AND TIME OF SALE: Septem-ber 1, 2009 at 10:00 AM




Dated: July 6, 2009.Deutsche Bank National TrustCompany, as trusteeMortgagee/Assignee of Mortgagee





DATE OF MORTGAGE: May 17, 2004MORTGAGOR: Thomas S. Mandler, a

single person.MORTGAGEE: Mortgage Electronic


Recorded June 21, 2004, Dako taCoun ty Recorder , Documen t No.2217733.

ASSIGNMENTS OF MORTGAGE :Assigned to: CitiMortgage, Inc., Dated:June 26, 2009.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Peoples Home Mortgage

RESIDENTIAL MORTGAGE SER -VICER: CitiMortgage, Inc.

MORTGAGED PROPERTY ADDRESS:1408 136th Street West, Burnsville, MN55337

TAX PARCEL I.D.#: 02-42700-130-02LEGAL DESCRIPTION OF PROPERTY:Lot 13, Block 2, Knob Hill accordingto the recorded plat thereof, andsituate in Dakota County, Minne-sota.COUNTY IN WHICH PROPERTY IS



AMOUNT DUE AND CLAIMED TO BEDUE AS OF DATE OF NOTICE, INCLUD-ING TAXES, IF ANY, PAID BY MORT-GAGEE: $196,751.56







Dated: July 2, 2009.CitiMortgage, Inc.Mortgagee/Assignee of Mortgagee





DATE OF MORTGAGE: July 29, 2005MORTGAGOR: Cassandra M. Maas, a



Registered August 18, 2005, DakotaCounty Registrar of Titles, DocumentNo. 572456, Certificate of Title No.137168.

ASSIGNMENTS OF MORTGAGE :Assigned to: THE BANK OF NEW YORKMELLON FKA THE BANK OF NEWYORK AS TRUSTEE FOR THE CER-TIFICATEHOLDERS CWALT , INC .ALTERNATIVE LOAN TRUST 2005-J12MORTGAGE PASS-THROUGH CER-TIFICATES, SERIES 2005-J12, Dated:June 3, 2009.Sa id Mortgage being Registered




LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Mortgage & InvestmentConsultants, Inc.


MORTGAGED PROPERTY ADDRESS:14912 Judicial Road, Burnsville, MN55306

TAX PARCEL I.D. #: 028470001001LEGAL DESCRIPTION OF PROPERTY:Lot 1, Block 1, Woodland Hills.COUNTY IN WHICH PROPERTY IS








MORTGAGOR(S) RELEASED FROM



Dated: July 6, 2009.The Bank of New York Mellon, asTrusteeMortgagee/Assignee of Mortgagee




default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: March 30,


MORTGAGE: $173,200.00MORTGAGOR(S): Mohamed S. Jad-

dunath, an unmarried manMORTGAGEE: Mortgage Electronic

Registration Systems, Inc.DATE AND PLACE OF RECORDING:Recorded: April 27, 2006 Dakota

County RecorderDocument Number: 2423712ASSIGNMENTS OF MORTGAGE:And assigned to: Provident Funding

Associates, L.P.Dated: August 06, 2009Transaction Agent: Mortgage Elec-


cation Number: 100017935160300816Lender or Broker: Provident Funding

Associates, L.P.Residential Mortgage Servicer: Provi-

dent Funding AssociatesMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 15592 Early Bird

Cir, Apple Valley, MN 55124-7848T a x P a r c e l I D N u m b e r :


ERTY: Unit No. 1702, CIC Number 484,A Condominium, Legacy Homes atCobblestone Lake North Shore, DakotaCounty, Minnesota.AMOUNT DUE AND CLAIMED TO BE











ASSIGNEE OF MORTGAGEE:Provident Funding Associates, L.P.




MORTGAGE: $170,906.00MORTGAGOR(S): Bradford A. Miller

and Patricia M. Miller, husband andwifeMORTGAGEE: Wachovia Mortgage,


Recorded: June 27 , 2002 Dako taCounty Recorder, Document Number:1910651Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-




LOCATED: DakotaProperty Address: 2400 Beech St W,

Rosemount, MN 55068-6509T a x P a r c e l I D N u m b e r :

34-14701-090-01LEGAL DESCRIPTION OF PROP -ERTY: Lot 9, Block 1, Bloomfield 2ndAdditionCommon Interest Community Num-ber 251, together with appurtenanteasements created pursuant to Dec-laration Document Number 1629228.according to the recorded pla tthereof, Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE











MORTGAGEE : Wachov iaMortgage, FSB fka World Sav-ings Bank, FSB





DATE OF MORTGAGE: July 21, 2003MORTGAGORS: Michael J. Polski

and Donna L. Polski, husband andwife.

MORTGAGEE: rateOne Home LoansDATE AND PLACE OF RECORDING:Recorded Sep tember 18, 2003 ,

Dakota County Recorder, DocumentNo. 2111680.

ASSIGNMENTS OF MORTGAGE :Assigned to: JPMorgan Chase Bank,

N .A . by Court Order recorded asDocument No. 2652911, Recorded:April 28, 2009.



MORTGAGE: NONELENDER OR BROKER AND MORT-

GAGE ORIGINATOR STATED ONMORTGAGE: rateOne Home Loans

RESIDENTIAL MORTGAGE SER -VICER: JPMorgan Chase Bank, N.A. assuccessor in interest to WashingtonMutual Bank

MORTGAGED PROPERTY ADDRESS:16870 Firestone Way, Farmington, MN55024

TAX PARCEL I.D.#: 22-41750-070-04LEGAL DESCRIPTION OF PROP -

ERTY:Lot 7, Block 4, Kilkenny PondCOUNTY IN WHICH PROPERTY IS







PLACE OF SALE: Sher i f f 's O f f ice,Law Enforcement Center, 1580 Hwy55, Lobby #S-100, Hastings, MN

to pay the debt then secured by saidMortgage, and taxes, if any, on saidpremises, and the costs and disburse-ments , inc luding attorneys' feesallowed by law subject to redemptionwithin six (6) months from the date ofsaid sale by the mortgagor(s), theirpersonal representatives or assigns.



Dated: June 25, 2009.JPMorgan Chase Bank, N.A.Mortgagee/Assignee of Mortgagee




default has occurred in conditions ofthe following described mortgage:DATE OF MORTGAGE: November 18,

2004MORTGAGOR : Angela J . Beck, a

single person.MORTGAGEE: First Franklin Finan-

cial CorporationDATE AND PLACE OF RECORDING:

Recorded January 6, 2005, DakotaCoun ty Recorder , Documen t No.2283408.ASSIGNMENTS OF MORTGAGE :

Assigned to: Wells Fargo Bank, N. A.as Trustee for First Franklin MortgageLoan Trust 2004-FF11, Asset-BackedCertificates, Series 2004-FF11, Dated:June 19, 2009.TRANSACTION AGENT: NONETRANSACTION AGENT 'S MORT -


GAGE ORIGINATOR STATED ONMORTGAGE: First Franklin FinancialCorporationRESIDENTIAL MORTGAGE SER -

VICER: Home Loan Services, Inc.MORTGAGED PROPERTY ADDRESS:

4880 B ivens Cour t , Inve r G roveHeights, MN 55076TAX PARCEL I.D.#: 20-44026-802-08LEGAL DESCRIPTION OF PROPERTY:Unit No. 8802, Lafayette Park East,Common Interest Community No.434, Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS





tained in said mortgage, the above

��

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default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: April 27, 2007ORIGINAL PRINCIPAL AMOUNT OF

MORTGAGE: $187,500.00MORTGAGOR(S): Duncan W York

and Nicole E. Nieman-York, husbandand wifeMORTGAGEE: Mortgage Electronic

Registration Systems, Inc.DATE AND PLACE OF RECORDING:Recorded: May 10 , 2007 Dakota

County RecorderDocument Number: 2515908ASSIGNMENTS OF MORTGAGE:And assigned to: Provident Funding

Associates, L.P.Dated: August 06, 2009Transaction Agent: Mortgage Elec-


cation Number: 100017935170401216Lender or Broker: Provident Funding

Associates, L.P.Residential Mortgage Servicer: Provi-


LOCATED: DakotaProperty Address: 1074 Oakdale Ave,

West Saint Paul, MN 55118-1506T a x P a r c e l I D N u m b e r :


ERTY: Lot 3, Block 2, Hurley's SecondAddition to West St. PaulAMOUNT DUE AND CLAIMED TO BE










THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF AJUD IC IAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES, SEC-TION 582.032, DETERMINING, AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: August 13, 2009ASSIGNEE OF MORTGAGEE:Provident Funding Associates, L.P.




PLACE OF SALE: Sheriff's Office,Law Enforcement Center, 1580 Hwy55, Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on saidpremises, and the costs and disburse-ments , inc luding attorneys' feesallowed by law subject to redemptionwithin six (6) months from the date ofsaid sale by the mortgagor(s), theirpersonal representatives or assigns.MORTGAGOR(S) RELEASED FROM



Wells Fargo Bank, N.A., as TrusteeMortgagee/Assignee of Mortgagee



NOTICE IS HEREBY GIVEN thatdefault has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: September

25, 2006ORIGINAL PRINCIPAL AMOUNT OF

MORTGAGE: $247,500.00MORTGAGOR(S): Michael L. Pierson

and Vikki A. Pierson, husband andwifeMORTGAGEE: Mortgage Electronic


Recorded: October 03, 2006 DakotaCounty Recorder, Document Number:2465777ASSIGNMENTS OF MORTGAGE: And

assigned to: Provident Funding Asso-ciates, L.P., Dated: June 04, 2009Transaction Agent: Mortgage Elec-


cation Number: 100017935160801664Lender or Broker: Provident Fund-

ing Associates, L.P.Residential Mortgage Servicer: Provi-




34-14503-220-02LEGAL DESCRIPTION OF PROP -ERTY: Lot 22, Block 2, BiscaynePointe Fourth Addit ion, DakotaCounty, Minnesota.AMOUNT DUE AND CLAIMED TO BE










ASSIGNEE OF MORTGAGEE :

ASSIGNEE OF MORTGAGEE :Provident Funding Associates, L.P.






MORTGAGOR: Tan v i D . Dosh i , amarried person.


DATE AND PLACE OF RECORDING:Recorded January 9, 2007, DakotaCoun ty Recorder , Documen t No.2486745.

ASSIGNMENTS OF MORTGAGE :As s i g ned to : DEUTSCHE BANKNATIONAL TRUST COMPANY . , ASTRUSTEE UNDER THE POOLING ANDSERVICING AGREEMENT RELATINGTO IMPAC SECURED ASSETS CORP.,MORTGAGE PASS-THROUGH CER-TIFICATES, SERIES 2007-1, Dated:May 21, 2009.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Impac Funding Corpora-tion dba Impac Lending Group


MORTGAGED PROPERTY ADDRESS:1953 Sierra Drive, Hastings, MN 55033

TAX PARCEL I.D. #: 195860080411LEGAL DESCRIPTION OF PROPERTY:Unit No. 1804, Common InterestCommunity Number 511, A Condo-minium, Pra ir ie R idge , Dako taCounty, Minnesota.COUNTY IN WHICH PROPERTY IS






DATE AND TIME OF SALE: August 6,2009 at 10:00 AM




Dated: June 18, 2009.Deutsche Bank National TrustCompany, as trusteeMortgagee/Assignee of Mortgagee


sota Statutes 580.07, the foregoingforeclosure sale is postponed untilSeptember 10, 2009 at 10:00 am at theSheriff's Office, Law Enforcement Cen-ter, 1580 Hwy 55, Lobby #S-100, Hast-ings, MN, in said county and state.

Dated: August 7, 2009.Deutsche Bank National TrustCompany, as trusteeMortgagee/Assignee of Mortgagee




default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: July 19, 2005ORIGINAL PRINCIPAL AMOUNT OF

MORTGAGE: $324,800.00MORTGAGOR(S): Katrin V. Anson, a

single womanMORTGAGEE: Mortgage Electronic

Registration Systems, Inc.DATE AND PLACE OF RECORDING:Recorded: August 17, 2005 Dakota



cation Number: 100015700054676206Lender or Broker: America's Whole-

sale LenderResidential Mortgage Servicer: BAC


LOCATED: DakotaProperty Address: 20355 Enright Ct,

Farmington, MN 55024-2023T a x P a r c e l I D N u m b e r :


ERTY: Lot 2, Block 1, Middle Creek 6thAddition, Dakota County, MNAMOUNT DUE AND CLAIMED TO BE



t a i n e d i n s a i d m o r t g a g e , t h eabove-described property will be sold bythe Sheriff of said county as follows:DATE AND TIME OF SALE: June 25,

2009 at 10:00 AMPLACE OF SALE: Dakota County Law





THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF AJUD IC IAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES, SEC-TION 582.032, DETERMINING, AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: May 07, 2009MORTGAGEE: Mortgage ElectronicRegistration Systems, Inc.



for June 25, 2009 at 10:00 AM hasbeen postponed to August 13, 2009 at10:00 AM in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesota insaid County and State.DATED: June 25, 2009MORTGAGEE: Mortgage ElectronicRegistration Systems, Inc.







MORTGAGE: $60,000.00MORTGAGOR(S): Leroy Drinnin and

Alzada R. Drinnin, Husband and WifeMORTGAGEE: Countrywide Home

Loans, IncDATE AND PLACE OF RECORDING:

Recorded: Apr i l 19, 2004 DakotaCounty Recorder, Document Number:2195808ASSIGNMENTS OF MORTGAGE: And

assigned to: BAC Home Loans Servic-ing, LP, Dated: July 20, 2009Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker : Countryw ide

Home Loans, IncResidential Mortgage Servicer: BAC




36-83900-070-10LEGAL DESCRIPTION OF PROP -ERTY: Lot 7, Block 10, Wharton &Miller's Addition to South St. PaulAMOUNT DUE AND CLAIMED TO BE











ASSIGNEE OF MORTGAGEE: BACHome Loans Servicing, LP




MORTGAGE: $256,800.00MORTGAGOR(S): Richard J. Reiter,

singleMORTGAGEE: Mortgage Electronic




cation Number: 123000000020196010Lender or Broker: Drake BankResidential Mortgage Servicer: BAC


LOCATED: DakotaProperty Address: 19948 Butternut

Trl, Farmington, MN 55024-1475T a x P a r c e l I D N u m b e r :

122450009904LEGAL DESCRIPTION OF PROP -ERTY: Lot 99, Block 4, Empire River

ERTY: Lot 99, Block 4, Empire RiverPreserveAMOUNT DUE AND CLAIMED TO BE















DATE OF MORTGAGE: April 16, 2007MORTGAGORS: Jorge Ba lderrama

and Ines Mata-Valtierrez, husband andwife and Jose Balderrama and NancyCarrillo-Gonzalez, husband and wife.


DATE AND PLACE OF RECORDING:Recorded Apr i l 27 , 2007 , DakotaCoun ty Recorder , Documen t No.2512792.




LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: First National Bank ofArizona

RESIDENTIAL MORTGAGE SER -VICER: PennyMac Loan Services, Inc.

MORTGAGED PROPERTY ADDRESS:325 7th Avenue South, South SaintPaul, MN 55075

TAX PARCEL I.D.#: 36-64300-070-05LEGAL DESCRIPTION OF PROPERTY:Lot 7, Block 5, Riverside Park Addi-tion to the City of St. Paul, accord-ing to the recorded plat thereof andsituate in Dakota County, Minne-sota.COUNTY IN WHICH PROPERTY IS







PLACE OF SALE: Sher i f f ' s O f f ice,Law Enforcement Center, 1580 Hwy55, Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on saidpremises, and the costs and disburse-ments , inc luding attorneys' feesallowed by law subject to redemptionwithin six (6) months from the date ofsaid sale by the mortgagor(s), theirpersonal representatives or assigns.

personal representatives or assigns.MORTGAGOR(S) RELEASED FROM



Dated: July 9, 2009.Mortgage ElectronicRegistration Systems, Inc.Mortgagee/Assignee of Mortgagee


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MORTGAGE: $156,525.00MORTGAGOR(S): Kurt R. Raatz, a




assigned to: U.S. Bank, N.A., Dated:May 05, 2009Transaction Agent: Mortgage Elec-


cation Number: 100139104915493268Lender or Broker: Residential Mort-

gage Group, Inc.Residential Mortgage Servicer: U.S.


LOCATED: DakotaProperty Address: 15915 Flotilla Trl,


01-63402-223-30LEGAL DESCRIPTION OF PROP -ERTY: Unit 223, CIC No. 280, RegattaCourt Homes II , Dakota County ,Minnesota.AMOUNT DUE AND CLAIMED TO BE









THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: June 18, 2009


Wilford & Geske, P.A.Attorneys for Assignee of MortgageeLawrence A. WilfordJames A. Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125-4393(651) 209-3300File Number: 003913F01NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for August 06, 2009 at 10:00 AM hasbeen postponed to August 20, 2009 at10:00 AM in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesota insaid County and State.DATED: August 06, 2009


Wilford & Geske, P.A.Attorneys for Assignee Of Mortgagee:Lawrence A. WilfordJames A. Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125-4393(651) 209-3300File Number: 003913F011851999 8/13/09



default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE : June 20 ,


MORTGAGE: $124,000.00MORTGAGOR(S): Michael J. Bailey, a

single personMORTGAGEE: TCF Mortgage Corpo-

rationDATE AND PLACE OF RECORDING:Recorded: Ju ly 24, 2003 Dakota

County RecorderDocument Number: 2083531ASSIGNMENTS OF MORTGAGE:And assigned to: Mortgage Electronic

Registration Systems, Inc.Dated: May 01, 2006Recorded: May 09, 2006 Dakota

County RecorderDocument Number: 2427237And assigned to: U.S. Bank, N.A.Dated: July 24, 2009Transaction Agent: Mortgage Elec-


cation Number: 100021248001882677Lender or Broker: TCF Mortgage Cor-

porationResidential Mortgage Servicer: U.S.


LOCATED: DakotaProperty Address: 8816 Coffman

Pa th , In v e r G r o v e H e i g h t s , MN55076-5304T a x P a r c e l I D N u m b e r :


ERTY: Lot 67, Block 1, Ashwood Ponds2nd Addition, Common Interest Com-munity No. 220, Dakota County, Min-nesota.AMOUNT DUE AND CLAIMED TO BE





Enforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesotato pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-ments, including attorney fees allowedby law, subject to redemption within six(6) months from the date of said sale bythe mortgagor(s), their personal repre-sentatives or assigns.If the Mortgage is not reinstated











DATE OF MORTGAGE: J u n e 1 4 ,2007

MORTGAGORS: Kel ly Lee Nelsonand Gena Marie Nelson, Husband andWife.

MORTGAGEE: Ch a s e Bank USA ,N.A..

DATE AND PLACE OF RECORDING:Recorded June 27 , 2007 , Dako taCoun ty Recorder , Documen t No.2527011.

ASSIGNMENTS OF MORTGAGE :Assigned to: Chase Home FinanceLLC, Dated: May 14, 2008, Recorded:Jun e 1 0 , 2 0 0 8 , D o cumen t N o .2595949.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Chase Bank USA, N.A.

RESIDENTIAL MORTGAGE SER -VICER: Chase Home Finance, LLC

MORTGAGED PROPERTY ADDRESS:17575 Heidelberg Way, Lakeville, MN55044

TAX PARCEL I.D.#: 22-57200-090-01LEGAL DESCRIPTION OF PROPERTY:Lot 9, Block 1, Pine Grove, accord-ing to the recorded plat thereof andsituate in Dakota County, Minne-sota.COUNTY IN WHICH PROPERTY IS











Dated: August 5, 2009.Chase Home Finance, LLCMortgagee/Assignee of Mortgagee





MORTGAGE: $373,000.00MORTGAGOR(S): Grace Calise, an

unmarr ied woman, and Joseph GDemarco and Lucille Demarco, hus-band and wifeMORTGAGEE: Mortgage Electronic


DATE AND PLACE OF RECORDING:Recorded: October 12, 2005 DakotaCounty Recorder, Document Number:2369909Transaction Agent: Mortgage Elec-


cation Number: 1000157-0005869647-3Lender or Broker: America's Whole-



LOCATED: DakotaProperty Address: 12644 Dutch Ct,


01-15150-150-01LEGAL DESCRIPTION OF PROP -ERTY: Lot 15, Block 1, Briar Knoll1st Addition, Dakota County, Minne-sotaAMOUNT DUE AND CLAIMED TO BE
















MORTGAGORS: Scott A. Ludwig andLaura J. Ludwig, husband and wife.

MORTGAGEE: J PM o r g a n C h a s eBank, National Association as succes-sor in interest to Washington MutualBank, FA

DATE AND PLACE OF RECORDING:Recorded December 29, 2003, DakotaCoun ty Recorder , Documen t No.2157246.




LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE : Washington Mutua lBank, FA

RESIDENTIAL MORTGAGE SER -VICER : JPMo rgan Chase Bank ,National Association as successor ininterest to Washington Mutual Bank

MORTGAGED PROPERTY ADDRESS:18949 Inca Avenue, Lakeville, MN55044

TAX PARCEL I.D.#: 22-16905-020-01LEGAL DESCRIPTION OF PROP -ERTY:Lot 2, Block 1, Century Ridge CICNo. 296COUNTY IN WHICH PROPERTY IS




That prior to the commencement ofthis mortgage foreclosure proceedingMortgagee/Assignee of Mortgagee com-plied with all notice requirements asrequired by statute; That no action or

required by statute; That no action orproceeding has been instituted at lawor o therw ise to recover the deb tsecured by said mortgage, or any partthereof;






Dated: July 2, 2009.JPMorgan Chase Bank, N.A.Mortgagee/Assignee of Mortgagee




MORTGAGE: $180,000.00MORTGAGOR(S): Vanessa A. Hislop

and Daniel E. Hislop, wife and hus-bandMORTGAGEE: Mortgage Electronic


Recorded: Ju ly 11, 2006 Dako taCounty Recorder, Document Number:2444247ASSIGNMENTS OF MORTGAGE: And

assigned to: HSBC Bank USA, N.A., asTrustee on behalf of ACE SecuritiesCorp. Home Equity Loan Trust and forthe registered holders of ACE Securi-ties Corp. Home Equity Loan Trust,Series 2006-ASAP5, Asset BackedPass-Through Certificates, Dated: June24, 2009Transaction Agent: Mortgage Elec-


cation Number: 100220710000123667Lender or Broker: Maribella Mort-

gage, LLCRes iden t ia l Mortgage Serv icer :

Ocwen Loan Servicing, LLCMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 1205 Larch St,


142250509003LEGAL DESCRIPTION OF PROP -ERTY: Lot 9, Block 3, East Farming-ton Sixth Addition, Dakota County,MinnesotaAMOUNT DUE AND CLAIMED TO BE









THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION

MINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: July 16, 2009

ASSIGNEE OF MORTGAGEE:HSBC Bank USA , N .A . , a sTrustee on behalf of ACE Secu-rities Corp. Home Equity LoanTrust and for the registeredholders of ACE Securities Corp.Home Equity Loan Trust, Series2006 -ASAP5, Asse t BackedPass-Through Certificates




MORTGAGE: $158,600.00MORTGAGOR(S): Tiffany Wood, a

single person and Robert A. Sievers,Jr., a single personMORTGAGEE : Bakers Mortgage

Company, LLCDATE AND PLACE OF RECORDING:

Recorded: August 16, 2004 DakotaCounty Recorder, Document Number:2238266ASSIGNMENTS OF MORTGAGE: And

assigned to: U.S. Bank, N.A., Dated:May 27, 2004, Recorded: August 16,

May 27, 2004, Recorded: August 16,2004 Dakota County Recorder, Docu-ment Number: 2238267Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: Bakers Mortgage

Company, LLCResidential Mortgage Servicer: U.S.


LOCATED: DakotaProperty Address: 3820 Willow Way,


10-14993-610-01LEGAL DESCRIPTION OF PROP -ERTY: Lot 61, Block 1, Briar Hill 4thAdditionAMOUNT DUE AND CLAIMED TO BE















DATE OF MORTGAGE: April 4, 2006MORTGAGORS: Barbara Dinsmore

and John Dinsmore, wife and husband.MORTGAGEE: ABN AMRO Mortgage

Group, Inc., NKA CitiMortgage, Inc.DATE AND PLACE OF RECORDING:

Registered April 25, 2006, DakotaCounty Registrar of Titles, DocumentNo. 588794, Certificate of Title No.52282.

ASSIGNMENTS OF MORTGAGE :NONESa id Mortgage being Registered



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: ABN AMRO MortgageGroup, Inc., NKA CitiMortgage, Inc.


MORTGAGED PROPERTY ADDRESS:3674 Conroy Court , Inver GroveHeights, MN 55076

TAX PARCEL I.D.#: 20-53652-010-21LEGAL DESCRIPTION OF PROPERTY:Lot 1, Block 21, the Oaks 3rd Addition.COUNTY IN WHICH PROPERTY IS





PURSUANT to the power of sale con-

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PURSUANT to the power of sale contained in said mortgage, the abovedescribed property will be sold by theSheriff of said county as follows:










MORTGAGE: $330,494.00MORTGAGOR(S): Chanry M Kellogg,

an unmarried womanMORTGAGEE: Mortgage Electronic


Recorded: September 20, 2005 DakotaCounty Recorder, Document Number:2362279Transaction Agent: Mortgage Elec-





LOCATED: DakotaProperty Address: 18671 Dunbury

Ave, Farmington, MN 55024-8766T a x P a r c e l I D N u m b e r :

14-47803-190-06LEGAL DESCRIPTION OF PROP -ERTY : Lot 19, B lock 6 , MeadowCreek 4th Addition, Dakota County,MinnesotaAMOUNT DUE AND CLAIMED TO BE










MORTGAGEE : Mortgage Elec -

MORTGAGEE : Mortgage Electronic Registration Systems, Inc.





DATE OF MORTGAGE: Au gu s t 24 ,2004

MORTGAGOR: Kevin Boehmer andJoyce Boehmer, husband and wife.

MORTGAGEE: ABN Amro MortgageGroup, Inc., NKA CitiMortgage, Inc.





LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE : ABN Amro MortgageGroup, Inc., NKA CitiMortgage, Inc.


MORTGAGED PROPERTY ADDRESS:639 Highway 110, Mendota Heights,MN 55118

TAX PARCEL I.D.#: 27-28700-152-00LEGAL DESCRIPTION OF PROPERTY:Lot 15, Gailand Heights, Except theNorth 158 fee t thereof , Dako taCounty, MinnesotaCOUNTY IN WHICH PROPERTY IS











Dated: August 3, 2009.CitiMortgage, Inc.Mortgagee/Assignee of Mortgagee





MORTGAGE: $172,500.00MORTGAGOR(S): Melissa Griffith,

Single PersonMORTGAGEE: Mortgage Electronic


ING: Registered: January 19, 2007,Dakota County Registrar of Titles,Document #: 604400ASSIGNMENTS OF MORTGAGE: And

thereafter assigned to: Consumer Solu-tions, LLC, Dated: March 10, 2009Transaction Agent : Mortgage Elec-

tronic Registration Systems, IncTransaction Agent Mortgage Identifi-

cation Number : 100488910110335899Lender or Broker : New Century

Mortgage CorporationResidential Mortgage Servicer : Spe-

cialized Loan ServicingMortgage Originator : Not ApplicableCERTIFICATE OF TITLE NO. 141825LEGAL DESCRIPTION OF PROPERTY:Lot 9, Block 10, Palomino WoodsCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address : 13925 Herald

Court Apple Valley, MN 55124Tax Parcel ID No : 01-56775-190-10AMOUNT DUE AND CLAIMED TO BE


ments have been complied with; thatno action or proceeding has been insti-tuted at law or otherwise to recover thedebt secured by said mortgage, or anypart thereof; that this is registeredproperty.PURSUANT to the power of sale con-


ber 24, 2009 10:00 A.M.PLACE OF SALE: Dakota County

Law Enforcement Center, 1580 High-way 55, Lobby S-100, Hastings, MNto pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-men ts , inc luding a t torneys feesallowed by law, subject to redemptionwithin 6 months from the date of saidsale by the mortgagor(s), their per-sonal representatives or assigns.Mortgagor(s) released from financial


DEBT COLLECTOR ATTEMPTING TOCOLLECT A DEBT. ANY INFORMA-TION OBTAINED WILL BE USED FORTHAT PURPOSE.

THE RIGHT TO VERIFICATION OFTHE DEBT AND IDENTITY OF THEORIGINAL CREDITOR WITHIN THETIME PROVIDED BY LAW IS NOTAFFECTED BY THIS ACTION.THE TIME ALLOWED BY LAW FOR

REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.Dated: August 6, 2009

Consumer Solutions, LLCAssignee of Mortgagee

Wilford & GeskeAttorneys for Assignee of MortgageeLawrence A. WilfordJames A. Geske8425 Seasons ParkwaySuite 105Woodbury, Minnesota 55125(651)209-3300File ID: 197750-287341841912 8/6-9/10/09




DATE OF MORTGAGE: April 28, 2005MORTGAGORS: Tim J. Powers and

Sabrina Powers, husband and wife.MORTGAGEE: NationPoint.DATE AND PLACE OF RECORDING:

Recorded May 16, 2005, Dakota CountyRecorder, Document No. 2322247.

ASSIGNMENTS OF MORTGAGE :Assigned to: First Franklin FinancialCorporation, Dated: August 31, 2005,Recorded: September 19, 2005, Docu-ment No. 2361800. And thereafterassigned to: U.S. Bank, National Asso-ciation, as successor trustee to Bankof America , N . A . as successor bymerger to LaSalle Bank National Asso-ciation, as Trustee for Merrill LynchMortgage Investors Trust, MortgageLoan Asset-Backed Certificates, Series2006-FF1, Dated: July 28, 2009.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: NationPoint


MORTGAGED PROPERTY ADDRESS:14386 Banyan Lane, Rosemount, MN55068

TAX PARCEL I.D.#: 34-14700-080-04LEGAL DESCRIPTION OF PROPERTY:Lot 8, Block 4, Bloomfield, CommonInterest Community No. 250, DakotaCounty, Minnesota.COUNTY IN WHICH PROPERTY IS











Dated: July 30, 2009.U.S. Bank National Association,TrusteeMortgagee/Assignee of Mortgagee





DATE OF MORTGAGE: J anu a r y 2 ,2007

MORTGAGORS: Ivan K Oa t is andLea C. Oatis, husband and wife.


DATE AND PLACE OF RECORDING:Registered February 1, 2007, DakotaCounty Registrar of Titles, DocumentNo. 605343, Certificate of Title No.141926.

ASSIGNMENTS OF MORTGAGE :Assigned to: U.S. Bank, National Asso-ciation as trustee for WaMu MortgagePass-Through Certificate for WMALTSeries 2007-OA3, Dated: June 23,2009

2009Sa id Mortgage being Registered



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Washington Mutual Bank,FA

RESIDENTIAL MORTGAGE SER -V ICER : JPMo rgan Chase Bank ,National Association as successor ininterest to Washington Mutual Bank

MORTGAGED PROPERTY ADDRESS:1601 South Skyline Drive, Burnsville,MN 55337

TAX PARCEL I.D.#: 02-69000-170-01LEGAL DESCRIPTION OF PROP -ERTY:Lot 17, in Block 1 in Skyline ViewAddition.COUNTY IN WHICH PROPERTY IS















MORTGAGE: $221,777.00MORTGAGOR(S): Paula J. Comfort, a



Recorded: December 21, 2007 DakotaCounty Recorder, Document Number:2562999ASSIGNMENTS OF MORTGAGE: And

assigned to: U.S. Bank, N.A., Dated:July 06, 2009Transaction Agent: Mortgage Elec-


cation Number: 100257100030070656Lender or Broker: MidCountry Bank,

Federal Savings BankResidential Mortgage Servicer: U.S.


LOCATED: DakotaProperty Address: 16349 Griffon Trl,


22-17001-010-04LEGAL DESCRIPTION OF PROP -ERTY: Lot 1, Block 4, Chapel Hills2nd Addition, Dakota County, Min-nesotaAMOUNT DUE AND CLAIMED TO BE





PLACE OF SALE: Dakota CountyLaw Enforcement Center, 1580 High-way 55, Lobby S-100, Hastings, Minne-sotato pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-ments, including attorney fees allowedby law, subject to redemption withinsix (6) months from the date of saidsale by the mortgagor(s), their per-sonal representatives or assigns.Mortgagor(s) released from financial










MORTGAGE: $356,000.00MORTGAGOR(S): Mark E. Skeens

and Deanne L. Skeens, husband andwifeMORTGAGEE: Mortgage Electronic


ING : Registered: March 07 , 2006Dakota County Registrar of Titles,Document Number: 585980ASSIGNMENTS OF MORTGAGE: And

assigned to: MorEquity, Inc., Dated:Novembe r 14, 2008, Reg iste red :December 03, 2008 Dakota CountyRegistrar of Titles, Document Number:T636206Transaction Agent: Mortgage Elec-


cation Number: 100372406012096167Lende r o r B roke r : W i lming ton

Finance, a division of AIG Federal Sav-ings BankRes iden t ia l Mortgage Serv icer :

MorEquity, Inc.Mortgage Originator: Not ApplicableCERTIFICATE OF TITLE NUMBER:


LOCATED: DakotaProperty Address: 16125 Inglewood

Dr, Lakeville, MN 55044-8768T a x P a r c e l I D N u m b e r :

22-14500-140-04LEGAL DESCRIPTION OF PROP -ERTY: Lot 14, Block 4, in BluebillBay Estates, Dakota County, Minne-sota.AMOUNT DUE AND CLAIMED TO BE









REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-

OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: July 16, 2009

ASSIGNEE OF MORTGAGEE:MorEquity, Inc.




default has occurred in conditions ofthe following described mortgage:DATE OF MORTGAGE: S e p t em b e r

12, 2003MORTGAGOR: Gladys Petry, a single

person.MORTGAGEE: Mortgage Electronic


Recorded October 21, 2003, DakotaCoun ty Recorder , Documen t No.2127729.ASSIGNMENTS OF MORTGAGE :

Assigned to: Countrywide Document

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Assigned to: Countrywide DocumentCustody Services, A Division of Trea-sury Bank, N.A., Dated: September 12,2003, Recorded: October 21, 2003,Document No. 2127730. And thereaf-ter assigned to: COUNTRYWIDE HOMELOANS, INC. FOR THE BENEFIT OFGOLDMAN SACHS MORTGAGE COM-PANY, Dated: July 17, 2008, Recorded:August 28, 2008, Documen t No.2610590. And thereafter assigned to:BAC Home Loans Servicing L.P. f/k/aCountrywide Home Loans ServicingL.P., Dated: June 5, 2009.TRANSACTION AGENT: Mortgage


GAGE IDENTIFICATION NUMBER ONMORTGAGE:LENDER OR BROKER AND MORT-

GAGE ORIGINATOR STATED ONMORTGAGE: Mainstreet Bank

RESIDENTIAL MORTGAGE SER -VICER: BAC Home Loans ServicingL.P.MORTGAGED PROPERTY ADDRESS:

5898 Black Berry Bridge Path, InverGrove Heights, MN 55076TAX PARCEL I.D. #: 202740007003LEGAL DESCRIPTION OF PROP -ERTY: Lot 7, Block 3, Foresthaven.COUNTY IN WHICH PROPERTY IS




That prior to the commencement ofthis mortgage foreclosure proceedingMortgagee/Assignee of Mortgagee com-plied with all notice requirements asrequired by statute; That no action orproceeding has been instituted at lawor o therw ise to recover the deb tsecured by said mortgage, or any partthereof;PURSUANT to the power of sale con-


DATE AND TIME OF SALE: Septem-ber 2, 2009 at 10:00 AMPLACE OF SALE: Sher i f f 's O f f ice,




BAC Home Loans Servicing L.P.Mortgagee/Assignee of Mortgagee





MORTGAGE: $205,520.00MORTGAGOR(S): Keeli Zambrano

and Edward Zambrano, Wife and Hus-bandMORTGAGEE: Mortgage Electronic



assigned to: Central Mortgage Com-pany , Dated: December 17 , 2008,Recorded: January 20, 2009 DakotaCounty Recorder, Document Number:2631523Transaction Agent: Mortgage Elec-



CorporationResidential Mortgage Servicer: Cen-

tral Mortgage CompanyMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 3300 Country

Wood Dr, Burnsville, MN 55337-3420T a x P a r c e l I D N u m b e r :

02-18353-060-03LEGAL DESCRIPTION OF PROP -ERTY: Lot 6, Block 3, Country WoodEs ta tes 4 th Add i t i on , Dako taCounty, MinnesotaAMOUNT DUE AND CLAIMED TO BE


THAT all pre foreclosure requirements have been complied with; thatno action or proceeding has been insti-tuted at law or otherwise to recover thedebt secured by said mortgage, or anypart thereof;PURSUANT to the power of sale con-








ASSIGNEE OF MORTGAGEE:Central Mortgage Company





DATE OF MORTGAGE: September 10,2008

MORTGAGOR: Rebecca J . W i l len-bring, a single woman.


DATE AND PLACE OF RECORDING:Recorded October 8, 2008, DakotaCoun ty Recorder , Documen t No.2616784.

ASSIGNMENTS OF MORTGAGE :Assigned to: CitiMortgage, Inc., Dated:July 20, 2009.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Franklin American Mort-gage Company



TAX PARCEL I.D.#: 36-32100-130-16LEGAL DESCRIPTION OF PROPERTY:The South 1/2 of Lot 11,all of Lot 12and the North 11.22 Feet of Lot 13,Block 16 Hauses addition to SouthSt. Paul, according to the recordedplat thereof, and situate in DakotaCounty, Minnesota.COUNTY IN WHICH PROPERTY IS








TIME AND DATE TO VACATE PROP-ERTY : I f th e r e a l e s t a t e i s anowner-occupied, single-family dwell-ing, unless otherwise provided by law,the date on or before which the mort-gagor(s) must vacate the property if themortgage is not reinstated under sec-tion 580.30 or the property is notredeemed under section 580.23 is11:59 p.m. on March 29, 2010.







default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: September


MORTGAGE: $208,000.00M O R T G A G O R ( S ) : O s c a r

Orbe-Ramirez and Citlaly Sanchez,husband and wifeMORTGAGEE: Mortgage Electronic

Registration Systems, Inc.DATE AND PLACE OF RECORDING:Recorded: October 09, 2006 Dakota



cation Number: 100056400720611675Lender or Broker: Home Loan Corpo-

ration dba Expanded Mortgage CreditResidential Mortgage Servicer: Litton

Loan Servicing, LPMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 17 Imperial Dr E,



ERTY: Lot 22, Block 4, Bisanz Bros.Highlands, Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE









THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF AJUD IC IAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES, SEC-TION 582.032, DETERMINING, AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: June 25, 2009MORTGAGEE: Mortgage ElectronicRegistration Systems, Inc.








MORTGAGE: $185,729.00MORTGAGOR(S): Michael Vlasak, a





cation Number: 1000157-0003494497-1Lender or Broker: America's Whole-



LOCATED: DakotaProperty Address: 1362 Easter Ln,


10-84354-220-03LEGAL DESCRIPTION OF PROP -ERTY: Lot 22, Block 3, WildernessRun Fifth Addition, according to theplat thereof on file and of record inthe Office of the County Recorder, inand for Dakota County, MinnesotaAMOUNT DUE AND CLAIMED TO BE









REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-

REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: July 16, 2009






DATE OF MORTGAGE: April 25, 2007MORTGAGORS: Lynn Andrews and

Christopher Jon Andrews, wife andhusband.

MORTGAGEE: J PM o r g a n C h a s eBank, N.A.

DATE AND PLACE OF RECORDING:Recorded May 9, 2007 , Dako ta


ASSIGNMENTS OF MORTGAGE :Assigned to: Chase Home Finance

LLC, Dated: July 2, 2009.

LLC, Dated: July 2, 2009.TRANSACTION AGENT: NONETRANSACTION AGENT 'S MORT -


LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: JPMorgan Chase Bank,N.A.


MORTGAGED PROPERTY ADDRESS:6585 C ra i g Avenue , Inve r G roveHeights, MN 55076

TAX PARCEL I.D.#: 20-13250-100-01LEGAL DESCRIPTION OF PROPERTY:Lot 10, Block 1, Bakken Heights,Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS










Dated: July 7, 2009.Chase Home Finance LLCMortgagee/Assignee of Mortgagee




MORTGAGE: $396,000.00MORTGAGOR(S): Charles D. Holien,

a single personMORTGAGEE: Mortgage Electronic


ING : Registered: August 13 , 2003Dakota County Registrar of Titles,Document Number: 0510168Transaction Agent: Mortgage Elec-


cation Number: 100139104915379442Lender or Broker: Residential Mort-

gage GroupResidential Mortgage Servicer: BAC



LOCATED: DakotaProperty Address: 343 Maple Island

Rd, Burnsville, MN 55306-5523T a x P a r c e l I D N u m b e r :

024740006001LEGAL DESCRIPTION OF PROP -ERTY: Lot 6, Block 1, of Maple IslandAMOUNT DUE AND CLAIMED TO BE





Law Enforcement Center, 1580 High-way 55, Lobby S-100, Hastings, Minne-sotato pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-ments, including attorney fees allowedby law, subject to redemption withinsix (6) months from the date of said

six (6) months from the date of saidsale by the mortgagor(s), their per-sonal representatives or assigns.Mortgagor(s) released from financial










MORTGAGE: $204,000.00MORTGAGOR(S): Scott J. Obeidzin-

ski, a single personMORTGAGEE: Vermillion State BankDATE AND PLACE OF RECORDING:

Recorded: February 28, 2006 DakotaCounty Recorder, Document Number:2409200ASSIGNMENTS OF MORTGAGE: And

assigned to: Mortgage Electronic Reg-istration Systems, Inc., Dated: Febru-ary 17, 2006, Recorded: February 28,2006 Dakota County Recorder, Docu-ment Number: 2409201Transaction Agent: Mortgage Elec-


cation Number: 100015700059102638Lender or Broker: Vermillion State

BankResidential Mortgage Servicer: BAC



Hastings, MN 55033-3209T a x P a r c e l I D N u m b e r :

19-32850-110-07LEGAL DESCRIPTION OF PROP -ERTY: Lot 11, Block 7, HighlandHills First Addition, according to therecorded plat thereof, and situate inDakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE










ASSIGNEE OF MORTGAGEE :Mortgage Electronic Registration

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default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: August 23,


MORTGAGE: $191,000.00MORTGAGOR(S): Timothy Gerald

Dillon married to Kelly Jean DillonMORTGAGEE: Wachovia Mortgage,

FSB f/k/a World Savings Bank, FSBDATE AND PLACE OF REGISTERING:Registered: November 28, 2006



gage, FSB f/k/a World Savings Bank,FSBRes iden t ia l Mo r tgage Se rv ice r :



LOCATED: DakotaProperty Address: 7033 Dawn Ave,


207115621001LEGAL DESCRIPTION OF PROP-

ERTY: Property So. Grove # 7 Lot 21Block 1AMOUNT DUE AND CLAIMED TO BE










THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF AJUD IC IAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES, SEC-TION 582.032, DETERMINING, AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: August 13, 2009MORTGAGEE: Wachovia Mortgage,FSB f/k/a World Savings Bank, FSB





MORTGAGE: $206,400.00MORTGAGOR(S): Kellie P. Marcellus,

a married personMORTGAGEE: Mortgage Electronic


Recorded: March 03 , 2005 DakotaCounty Recorder, Document Number:2301087Transaction Agent: Mortgage Elec-


cation Number: 100318801000094959Lender or Broker: Optimum Mort-

gage Services Inc.Res iden t ia l Mortgage Serv icer :


LOCATED: DakotaProperty Address: 4325 Kirsten Ct,

Eagan, MN 55123-2073Tax Parcel ID Number: 10 72986 060

01LEGAL DESCRIPTION OF PROP -ERTY: Lot 6, Block 1, Sunset 2ndAddition, Dakota County, MinnesotaAMOUNT DUE AND CLAIMED TO BE
















DATE OF MORTGAGE: April 27, 1995MORTGAGORS: T imothy M . Krau -

theim and Mary Ann Krautheim, hus-band and wife.

MORTGAGEE: Firstar Home Mort-gage Corporation

DATE AND PLACE OF RECORDING:Recorded May 17, 1995, Dakota CountyRecorder, Document No. 1278938.

ASSIGNMENTS OF MORTGAGE :Assigned to: Firstar Bank Milwaukee,N.A. n/k/a U.S. Bank, N.A., Dated: April27, 1995, Recorded: May 17, 1995,Document No. 1278939.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Firstar Home MortgageCorporation


MORTGAGED PROPERTY ADDRESS:13768 Edenwood Way, Apple Valley,MN 55124

TAX PARCEL I.D.#: 01-76200-010-04LEGAL DESCRIPTION OF PROPERTY:Lot 1, Block 4, The Woodwinds 1stAddition, according to the recordedplat thereof, Dakota County, Minne-sota.COUNTY IN WHICH PROPERTY IS










Dated: June 15, 2009.U.S. Bank, N. A.Mortgagee/Assignee of Mortgagee


sota Statutes 580.07, the foregoingforeclosure sale is postponed untilSeptember 1, 2009 at 10:00 am at theSheriff’s Office, Law Enforcement Cen-ter, 1580 Hwy 55, Lobby #S-100, Hast-ings, MN, in said county and state.Dated: August 11, 2009.

U.S. Bank, N.A.Mortgagee/Assignee of Mortgagee




default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: August 28,


MORTGAGE: $78,000.00MORTGAGOR(S): Mark R. Nestingen

and Barbara L. Nestingen, husbandand wifeMORTGAGEE: Wachovia Mortgage,

FSB fka World Savings Bank, FSBDATE AND PLACE OF REGISTERING:Registered: November 12 , 2002






LOCATED: DakotaProperty Address: 14630 Garrett Ave,


01-81401-146-01 (Unit No. 404)01-81401-223-01 (Garage Unit 39)LEGAL DESCRIPTION OF PROP-

ERTY: Residential Unit No. 404 andGarage Unit No. 39 in CondominiumNo. 36, Garrett Square CondominiumHomes, Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE










THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF AJUD IC IAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES, SEC-TION 582.032, DETERMINING, AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: August 13, 2009MORTGAGEE: Wachovia Mortgage,FSB fka World Savings Bank, FSB


Mortgage Electronic RegistrationSystems, Inc.





MORTGAGE: $175,000.00MORTGAGOR(S): Roxana Urquhart, a

unmarried personMORTGAGEE: U.S. Bank National

Association, NDDATE AND PLACE OF RECORDING:

Recorded: December 05, 2006 DakotaCounty Recorder, Document Number:2479599Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: U.S. Bank National

Association, NDResidential Mortgage Servicer: U.S.




36-75100-260-01LEGAL DESCRIPTION OF PROP -ERTY: Lot 26, Block 1, Tarbox Addi-tion to South Saint Paul

tion to South Saint PaulAMOUNT DUE AND CLAIMED TO BE










MORTGAGEE : U .S . BankNational Association, ND






MORTGAGORS: Souraphanh Keo-many Vong and Bangon KeomanyVong, husband and wife.






LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: CSMC Inc., DBA CentralStates Mortgage


MORTGAGED PROPERTY ADDRESS:308 12th Street , Farmington, MN55024

TAX PARCEL I.D.#: 14-22508-010-01LEGAL DESCRIPTION OF PROP -ERTY:Lot 1, Block 1, East FarmingtonNinth Addition, Dakota County, Min-nesota.COUNTY IN WHICH PROPERTY IS








MORTGAGOR(S) RELEASED FROMFINANCIAL OBLIGATION ON MORT-

FINANCIAL OBLIGATION ON MORTGAGE: None







DATE OF MORTGAGE: Oc tober 14,2005

MORTGAGORS: Adam Mathias andDanielle V. Mathias, HUSBAND ANDWIFE.

MORTGAGEE: Chase Bank USA, N.A.DATE AND PLACE OF RECORDING:

Recorded October 27, 2005, DakotaCoun ty Recorder , Documen t No.2375029.

ASSIGNMENTS OF MORTGAGE :Assigned to: JPMorgan Chase Bank,N.A., Dated: June 23, 2009.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Chase Bank USA, N.A.


MORTGAGED PROPERTY ADDRESS:

MORTGAGED PROPERTY ADDRESS:8740 Benson Way, Inver Grove Heights,MN 55076

TAX PARCEL I.D.#: 20-25680-125-04LEGAL DESCRIPTION OF PROPERTY:UNIT No. 125, Condominium No. 120,Fairway Villiage, a Condominium,Dakota County, MinnesotaCOUNTY IN WHICH PROPERTY IS














MORTGAGE: $251,050.00MORTGAGOR(S): Craig J. Ladner and

Darla J. Ladner, husband and wifeMORTGAGEE: Mortgage Electronic


Recorded: May 11, 2007 Dakota CountyRecorder, Document Number: 2516487ASSIGNMENTS OF MORTGAGE: And

assigned to: U.S. Bank, NA, Dated: July06, 2009Transaction Agent: Mortgage Elec-


cation Number: 100143500712380125Lender or Broker: American Mort-

gage CorporationResidential Mortgage Servicer: U.S.


LOCATED: DakotaProperty Address: 5980 131st St W,


01-31008-010-12LEGAL DESCRIPTION OF PROP -ERTY: Lot 1, Block 12, Greenleaf 9thAdditionAMOUNT DUE AND CLAIMED TO BE







A DEBT COLLECTOR ATTEMPT-ING TO COLLECT A DEBT. ANYINFORMATION OBTAINED WILL BE

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MORTGAGE: $163,200.00MORTGAGOR(S): Michele F. Canilla,

a single individualMORTGAGEE: Fort Snelling Federal

Credit UnionDATE AND PLACE OF RECORDING:

Recorded: Apr i l 30 , 2008 DakotaCounty Recorder, Document Number:2587866Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: Fort Snelling Fed-

eral Credit UnionResidential Mortgage Servicer: Hiway

Federal Credit UnionMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 3468 Greenwood

Ct S, Eagan, MN 55122-1330T a x P a r c e l I D N u m b e r :

10-73000-040-06LEGAL DESCRIPTION OF PROP -ERTY: Lot 2, Block 5, and Lot 4,Block 6, Surrey Heights First Addi-tion, according to the recorded platthe reo f and s i tua te in Dako taCounty, Minnesota.AMOUNT DUE AND CLAIMED TO BE











MORTGAGEE: Fort SnellingFederal Credit Union



MORTGAGE FORECLOSURE SALETHE RIGHT TO VERIFICATION OF


NOTICE IS HEREBY GIVEN, thatdefault has occurred in conditions ofthe following described mortgage:

DATE OF MORTGAGE:February 23,2007

MORTGAGORS:S k e e M a r t i nV i g n e s s -E v j e n and Lau r a J e anVigness-Evjen, husband and wife.

MORTGAGEE:Mortgage E lectronicRegistration Systems, Inc..

DATE AND PLACE OF RECORDING:Recorded March 13, 2007, DakotaCoun ty Reco rde r , Documen t No .2502281.



TRANSACTION AGENT 'S MORT-GAGE IDENTIFICATION NUMBER ONMORTGAGE: 1000269-0200093881-6

LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Bell America MortgageLLC DBA Bell Mortgage

RESIDENTIAL MORTGAGE SER-VICER: CitiMortgage, Inc.

MORTGAGED PROPERTY ADDRESS:136 South 14th Avenue, South SaintPaul, MN 55075

T A X P A R C E L I . D . # :36-83900-100-02

LEGAL DESCRIPTION OF PROP-ERTY:

Lot 10, Block 2, Wharton & Miller'sAddition to South St. Paul, DakotaCounty, Minnesota.COUNTY IN WHICH PROPERTY IS

LOCATED:DakotaORIGINAL PRINCIPAL AMOUNT OF

MORTGAGE:$167,400.00AMOUNT DUE AND CLAIMED TO BE

DUE AS OF DATE OF NOT ICE ,INCLUDING TAXES, IF ANY, PAID BYMORTGAGEE:$170,120.07

That prior to the commencement ofthis mortgage foreclosure proceedingMortgagee/Assignee of Mortgagee com-plied with all notice requirements asrequired by statute; That no action orproceeding has been instituted at law orotherwise to recover the debt securedby said mortgage, or any part thereof;



PLACE OF SALE:Sheriff's Office, LawEnforcement Center, 1580 Hwy 55,Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on saidpremises, and the costs and disburse-ments, including attorneys' fees allowedby law subject to redemption within six(6) months from the date of said sale bythe mortgagor(s), their personal repre-sentatives or assigns unless reduced toFive (5) weeks under MN Stat. §580.07.

TIME AND DATE TO VACATE PROP-ERT Y : I f th e r e a l e s t a t e i s anowner-occupied, single-family dwelling,unless otherwise provided by law, thed a t e o n o r b e f o r e w h i c h t h emortgagor(s) must vacate the property ifthe mortgage is not reinstated undersection 580.30 or the property is notredeemed under sect ion 580 .23 is11:59 p.m. on April 1, 2010 .

MORTGAGOR(S) RELEASED FROMFINANCIAL OBLIGATION ON MORT-GAGE:None

"THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF AJUD IC IAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES, SEC-TION 582.032, DETERMINING, AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALP R O D U C T I O N , A N D A R EABANDONED."


USSET, WEINGARDEN AND LIEBO, P.L.L.P.By: Paul A. WeingardenAttorneys for Mortgagee/Assignee ofMortgagee4500 Park Glen Road #300Minneapolis, MN 55416(952) 925-688810-2106

2004149302THIS IS A COMMUNICATION FROM ADEBT COLLECTOR.1855535 8/13-9/17/09




MORTGAGE: $145,606.00MORTGAGOR(S): Brad A. Czech, a

single manMORTGAGEE: Mortgage Electronic


Recorded: October 07, 2008 DakotaCounty Recorder Document Number:2616594ASSIGNMENTS OF MORTGAGE: And

assigned to: CitiMortgage, Inc., Dated:August 04, 2009

Transaction Agent: Mortgage Elec-tronic Registration Systems, Inc.Transaction Agent Mortgage Identifi-

cation Number: 100307110001495261Lender or Broker: Everett Financial,Inc. dba Supreme Lending ResidentialMortgage Servicer: CitiMortgage, Inc.Mortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: Dakota Property Address:283 Tamarack Trl, Farmington, MN55024-7117 Tax Parcel ID Number:14-74900-703-05LEGAL DESCRIPTION OF PROP -ERTY: Unit Number 0703, TamarackRidge Carriage Homes , CommonInterest Community Number 294,Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE











ASS I GNEE OF MORT -GAGEE: CitiMortgage, Inc.




MORTGAGE: $325,600.00MORTGAGOR(S): Myia M. Xiong and

George G. Moua, wife and husbandMORTGAGEE: Mortgage Electronic




cation Number: 100013800900032786Lender or Broker: GreenPoint Mort-

gage Funding, Inc.Residential Mortgage Servicer: GMAC


LOCATED: DakotaProperty Address: 4441 Vildmark Ct,


10-84352-070-01LEGAL DESCRIPTION OF PROP -ERTY: Lot Seven (7), Block One (1),Wilderness Run Third Addition,according to the plat thereof on fileand of record in the Office of theRegister of Deeds in and for saidDakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE













INFORMATION OBTAINED WILL BEUSED FOR THAT PURPOSE.THE RIGHT TO VERIFICATION OF



ASSIGNEE OF MORTGAGEE:U.S. Bank, NA





MORTGAGE: $92,625.00MORTGAGOR(S): Anthony J. Pizza-

lato, an unmarried man and Melissa J.Finstad, an unmarried womanMORTGAGEE: Wachovia Mortgage

FSB f/k/a World Savings Bank, FSBDATE AND PLACE OF RECORDING:

Recorded: February 20, 2003 DakotaCounty Recorder, Document Number:2002889Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-


gage FSB f/k/a World Savings Bank,FSBRes iden t ia l Mortgage Serv icer :


LOCATED: DakotaProperty Address: 1871 Silver Bell

Rd, Eagan, MN 55122-1179

Rd, Eagan, MN 55122-1179T a x P a r c e l I D N u m b e r :

10-22451-254-01(Unit 107-2A)10-22451-365-01 (Unit 52)LEGAL DESCRIPTION OF PROP -ERTY : UNIT 107-2A , TOGETHERWITH GARAGE UNIT NUMBER 52,SHANNON GLEN CONDOMINIUM 11,DAKOTA COUNTY , MINNESOTA ,CONDOMINIUM FILE NO.33AMOUNT DUE AND CLAIMED TO BE










MORTGAGEE: Wachovia Mort-gage FSB f/k/a World SavingsBank, FSB



Date: July 16, 2009YOU ARE NOTIFIED THAT:1. Default has occurred in the condi-

tions of the Mortgage executed byNicollet Ridge Chiropractic Office, LLC,a Minnesota limited liability company,as Mortgagor, to MidCountry Bank, afederal savings bank, as Mortgagee,dated May 30, 2006 and filed for recordJune 8, 2006, as Document Number591879, in the Office of the Registrarof Titles of Dakota County, Minnesota.The land described in the Mortgage isregistered land, as evidenced by Cer-tificate of Title No. 140038.

2. The Mo r tgage has no t beenassigned.

3. The original principal amounts e cu r e d b y th e M o r t g a g e w a s :$247,000.00.4. No action or proceeding at law is

now pending to recover the deb tsecured by the Mortgage, or any partthereof.5. The holder of the Mortgage has

complied with all conditions prece-den t to accelera t ion of the deb tsecured by the Mortgage and foreclo-sure of the Mortgage, and all noticeand other requirements of applicablestatutes.

6. At the date of this not ice theamount due on the Mortgage, andtaxes, if any, paid by the holder of theMortgage is: $261,880.96.

7. Pursuant to the power of sale inthe Mortgage, the Mortgage will beforeclosed, and the land described asfollows:Lot Four (4), Block One (1), Valen-tine Nicollet Addition, According tothe recorded plat thereof, DakotaCounty, Minnesota.

will be sold by the County Sheriff ofDakota County, Minnesota, at a publicauction on Thursday, August 27, 2009at 10:00 a.m., at the Dakota CountyLaw Enforcement Center, 1580 High-way 55, Hastings, Minnesota, 55305.

8. The t ime a l lowed by law forr e d e m p t i o n b y M o r t g a g o r o rMortgagor's personal representativesor assigns is six months after the dateof sale.9. Each holder of a junior lien may

redeem in the order and manner pro-vided in Minn. Stat. § 580.24, begin-n ing a f te r the exp i ra t i on o f themortgagor's redemption period underMinn. Stat. § 580.23.10. THIS COMMUNICATION IS

F ROM A DEBT COL LE CTORATTEMPTING TO COLLECT AD E B T . A N Y I N F O R M A T I O NOBTAINED WILL BE USED FORTHAT PURPOSE.11. THE RIGHT TO VERIFICATION

11. THE RIGHT TO VERIFICATIONOF THE DEBT AND IDENTITY OF THEORIGINAL CREDITOR WITHIN THETIME ALLOWED BY LAW IS NOTAFFECTED BY THIS ACTION.12. Foreclosure data required pursu-

ant to Minn. Stat. § 580.025:a. Physical street address, city, andzip code of mortgaged premises:12280 Nicollet Avenue South, Burns-villle, MN 55337.b. Name of transaction agent, resi-dential mortgage servicer, and lenderor broker: MidCountry Bank.c. Tax parcel identification number:02-81080-040-01d. Transaction Agent's mortgage IDnumber (if stated in mortgage): Nonee. Name of mortgage originator (ifstated in mortgage): MidCountryBank.

Attorney for Mortgagee:Timothy J. PrindivilleNILSSON MIDNESS, P.A., f/k/aNilsson Law Offices, P.A.900 Flour Exchange Building310 Fourth Ave. SouthMinneapolis, MN 55415Tel. 612-746-1043

1798467 7/16-8/20/09




DATE OF MORTGAGE: Oc t o b e r 2 ,2008

MORTGAGOR: Den ise Leeman , asingle person.



ASSIGNMENTS OF MORTGAGE :

ASSIGNMENTS OF MORTGAGE :Assigned to: CitiMortgage, Inc., Dated:April 28, 2009.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: AME Financial Corpora-tion


MORTGAGED PROPERTY ADDRESS:18611 Everest Path, Farmington, MN55024

TAX PARCEL I.D.#: 14-50504-070-04LEGAL DESCRIPTION OF PROP -ERTY:Lot 7, Block 4, Nelsen Hills Farm 5thAddition, Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS















DATE OF MORTGAGE: May 25, 2007MORTGAGOR: Amanda J. Kasal, a



Recorded July 2, 2007, Dakota CountyRecorder, Document No. 2527780.




LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: American National Mort-gage


MORTGAGED PROPERTY ADDRESS:1055 Livingston Avenue, West SaintPaul, MN 55118

TAX PARCEL I.D.#: 42-48100-110-10LEGAL DESCRIPTION OF PROPERTY:Lot 11, Block 10, B. Michel's Addi-tion to West St. Paul, Dakota County,Minnesota.COUNTY IN WHICH PROPERTY IS





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MORTGAGORS: Ronald H. Pierce andCatherine Pierce, husband and wife.





TRANSACTION AGENT 'S MORT -GAGE IDENTIFICATION NUMBER ONMORTGAGE: 1000269-0014097448-5

LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Bell America MortgageLLC DBA Bell Mortgage


MORTGAGED PROPERTY ADDRESS:4898 West 190th Street, Farmington,MN 55024

TAX PARCEL I.D.#: 14-47800-010-03LEGAL DESCRIPTION OF PROPERTY:Lot 1, Block 3, Meadow Creek 1stAddition, Dakota County, MinnesotaCOUNTY IN WHICH PROPERTY IS







PLACE OF SALE: Sher i f f ' s O f f ice,Law Enforcement Center, 1580 Hwy55, Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on saidpremises, and the costs and disburse-ments , inc luding attorneys' feesallowed by law subject to redemptionwithin six (6) months from the date ofsaid sale by the mortgagor(s), theirpersonal representatives or assignsunless reduced to Five (5) weeks underMN Stat. §580.07.










DATE OF MORTGAGE:A u g u s t 1 2 ,2005

MORTGAGORS:Mark D. Brown andMichael J. Brown, both single.

MORTGAGEE:Mortgage E lectronicRegistration Systems, Inc.

DATE AND PLACE OF RECORDING:Recorded August 26, 2005, DakotaCoun ty Reco rde r , Documen t No .2355375.

ASSIGNMENTS OF MORTGAGE :Assigned to: U.S. Bank, N.A., Dated:July 27, 2009.


TRANSACTION AGENT 'S MORT-GAGE IDENTIFICATION NUMBER ONMORTGAGE: 100060677002506780

LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Integrity One Mortgage,LLC

RESIDENTIAL MORTGAGE SER-VICER: U.S. Bank Home Mortgage

MORTGAGED PROPERTY ADDRESS:5064 148th Path West, Apple Valley,MN 55124

T A X P A R C E L I . D . # :01-20502-010-09


Lot 1, Block 9, Diamond Path ThirdAddition, Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS








TIME AND DATE TO VACATE PROP-ERT Y : I f th e r e a l e s t a t e i s anowner-occupied, single-family dwelling,unless otherwise provided by law, thed a t e o n o r b e f o r e w h i c h t h emortgagor(s) must vacate the property ifthe mortgage is not reinstated undersection 580.30 or the property is notredeemed under sect ion 580 .23 is11:59 p.m. on April 1, 2010.



Dated: August 3, 2009.U.S. Bank, N. A.Mortgagee/Assignee of Mortgagee



thereof;PURSUANT to the power of sale con-











MORTGAGE: $182,000.00MORTGAGOR(S): Eric L. Ernst and

Jennifer D. Ernst, Husband and WifeMORTGAGEE: Mortgage Electronic


ING:Registered: May 20, 2009 Dakota

County Registrar of TitlesDocument Number: 643965Transaction Agent: Mortgage Elec-


cation Number: 100199600000100319Lender or Broker: Advisor's Mort-

gage, LLCResidential Mortgage Servicer: GMAC

Mortgage, LLCMortgage Originator: Not ApplicableCERTIFICATE OF TITLE NUMBER:


LOCATED: DakotaProperty Address: 12313 Michelle

Cir, Burnsville, MN 55337-2916T a x P a r c e l I D N u m b e r :

02-53702-080-02LEGAL DESCRIPTION OF PROP -ERTY: Lot 8, Block 2, in Oak LeafPlat Three, Dakota County, Minne-sotaAMOUNT DUE AND CLAIMED TO BE









THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURAL

PROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: July 16, 2009






MORTGAGE: $150,512.00

MORTGAGE: $150,512.00MORTGAGOR(S): Emilie I. Bohanon,



ING: Registered: November 07, 2005Dakota County Registrar of Titles,Document Number: 578674CORRECTIVE MORTGAGE: Dated:

October 25, 2005, Registered: October25, 2006 Dakota County Registrar ofTitles, Document Number: 599876Transaction Agent: Mortgage Elec-






LOCATED: DakotaProperty Address: 17397 Gettysburg

Way, Lakeville, MN 55044-4005T a x P a r c e l I D N u m b e r :

221860413418LEGAL DESCRIPTION OF PROP -ERTY: Unit No. 18134, CIC No. 424,Crossroads CondominiumsAMOUNT DUE AND CLAIMED TO BE














NOTICE IS HEREBY GIVEN , thatdefault has occurred in conditions ofthe following described mortgage:DATE OF MORTGAGE: Oc t o b e r 4 ,

2002MORTGAGOR: Joseph F Croteau, a

single person.MORTGAGEE: Ameriquest Mortgage

CompanyDATE AND PLACE OF RECORDING:

Recorded November 27, 2002, DakotaCoun ty Recorder , Documen t No.1965669.ASSIGNMENTS OF MORTGAGE :

Assigned to: Deutsche Bank NationalTrust Company, as Trustee on behalfof the Certificateholders for Amer-iquest Mortgage Securities Inc. Series2002-D, Asset-Backed Certificates,Dated: February 11, 2009, Recorded:February 17 , 2009, Document No.2637644.



GAGE ORIGINATOR STATED ONMORTGAGE: Ameriquest MortgageCompanyRESIDENTIAL MORTGAGE SER -

VICER: American Home Mortgage Ser-vicing, IncMORTGAGED PROPERTY ADDRESS:

3836 Laurel Court, Eagan, MN 55122TAX PARCEL I.D. #: 101499014001LEGAL DESCRIPTION OF PROP -ERTY: Lot 14, Block 1, Briar HillCOUNTY IN WHICH PROPERTY IS

COUNTY IN WHICH PROPERTY ISLOCATED: Dakota

ORIGINAL PRINCIPAL AMOUNT OFMORTGAGE: $157,500.00AMOUNT DUE AND CLAIMED TO BE



tained in said mortgage, the abovedescribed property will be sold by theSheriff of said county as follows:DATE AND TIME OF SALE: August

27, 2009 at 10:00 AMPLACE OF SALE: Sher i f f 's O f f ice,




Deutsche Bank National TrustCompany, as trusteeMortgagee/Assignee of Mortgagee





DATE OF MORTGAGE: M a r c h 1 1 ,2005

MORTGAGORS: R h o n d a K . G r e -showak and James G. Greshowak, wifeand husband.


DATE AND PLACE OF RECORDING:Recorded July 5, 2005, Dakota CountyRecorder, Document No. 2336934.

ASSIGNMENTS OF MORTGAGE :Assigned to: Aurora Loan Services,LLC, Dated: July 9, 2009.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Prime Mortgage Corpora-tion

RESIDENTIAL MORTGAGE SER -VICER: Aurora Loan Services LLC

MORTGAGED PROPERTY ADDRESS:526 South 6th Avenue, South SaintPaul, MN 55075

TAX PARCEL I.D.#: 36-75100-241-03LEGAL DESCRIPTION OF PROPERTY:Lot 24, Block 3, "Tarbox Addition toSouth St. Paul", according to therecorded plat thereof.COUNTY IN WHICH PROPERTY IS








MORTGAGOR(S) RELEASED FROM



Dated: July 15, 2009.Aurora Loan Services LLCMortgagee/Assignee of Mortgagee




MORTGAGE: $228,000.00MORTGAGOR(S): J Carmen Esquivel

Hernandez, a single manMORTGAGEE: Home Loan Funding,

Inc.DATE AND PLACE OF RECORDING:

Recorded: June 10 , 2005 Dako taCounty Recorder, Document Number:2329491ASSIGNMENTS OF MORTGAGE: And

assigned to: Downey Savings and LoanAssociation, F.A., Dated: April 07,2005, Recorded: April 04, 2007 DakotaCounty Recorder, Document Number:2507354And assigned to: Mortgage Elec-

tronic Registration Systems, Inc.,Dated: June 05, 2006, Recorded: June23, 2006 Dakota County Recorder,Document Number: 2440187And assigned to: Central Mortgage

Company, Dated: July 09, 2009Transaction Agent: Mortgage Elec-


cation Number: 100202690327844983Lender or Broker: Home Loan Fund-

ing, Inc.Residential Mortgage Servicer: Cen-


LOCATED: DakotaProperty Address: 4377 Yorktown

Dr, Eagan, MN 55123-3030T a x P a r c e l I D N u m b e r :

10-72997-070-01LEGAL DESCRIPTION OF PROP -ERTY: Lot 7, Block 1, Sunset Elev-enth Addition, Dakota County, Min-nesota.AMOUNT DUE AND CLAIMED TO BE














MORTGAGE: $176,000.00MORTGAGOR(S): Nicholas C. Wille, a


Registration Systems, Inc.DATE AND PLACE OF RECORDING:Recorded: May 02 , 2006 Dakota

County Recorder, Document Number:2424800ASSIGNMENTS OF MORTGAGE: And

assigned to: E*Trade Bank, Dated: July02, 2009Transaction Agent: Mortgage Elec-

tronic Registration Systems, Inc.

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MORTGAGE: $314,000.00MORTGAGOR(S): Gerald W. Hum-

mell and Ann E. Hummell, husbandand wifeMORTGAGEE: Mortgage Electronic




cation Number: 100062604222307144Lender or Broker: Homecomings

Financial NetworkResidential Mortgage Servicer: GMAC


LOCATED: DakotaProperty Address: 20633 Jasmine

Path, Lakeville, MN 55044-5965T a x P a r c e l I D N u m b e r :

224405205003LEGAL DESCRIPTION OF PROP -ERTY: Lot 5, Block 3, Lake MarionEstates 3rd AdditionAMOUNT DUE AND CLAIMED TO BE









REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: June 25, 2009



for August 07, 2009 at 10:00 AM hasbeen postponed to September 03, 2009at 10:00 AM in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesota insaid County and State.DATED: August 07, 2009




cation Number: 100059120011002106Lender or Broker: E*Trade BankResidential Mortgage Servicer: Select

Portfolio ServicingMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 1105 Charlton St,


42-01800-050-31LEGAL DESCRIPTION OF PROP -ERTY: Part of Lot One (1) in SectionE i g h t e e n ( 1 8 ) , T o w n s h i pTwenty-eight (28), Range Twenty-two(22), Dakota County, Minnesota,described as follows, to-wit: Com-mencing at a point on the West lineof Charlton Avenue, which is 144.2feet North of the Northeast corner ofLot 1 in Block 1 of Ickler's 3rd Addi-tion to South Saint Paul, thenceWest 129.5 feet, thence North 84feet, thence East 129.5 feet, thenceSouth 84 feet to the place of begin-ning.AMOUNT DUE AND CLAIMED TO BE










ASSIGNEE OF MORTGAGEE:E*Trade Bank




MORTGAGE: $161,861.00MORTGAGOR(S): Nabil Madani, A

Single ManMORTGAGEE: New Century Mort-

gage CorporationDATE AND PLACE OF RECORDING:


assigned to: U.S. Bank National Asso-ciation, as Trustee, on behalf of theholders of The Asset Backed Securi-ties Corporation Home Equity LoanTrust , Series NC 2005-HE8, AssetBacked Pass-Through Certificates,Series NC 2005-HE8, Dated: July 07,2009Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker : New Century

Mortgage CorporationResidential Mortgage Servicer: Select


LOCATED: DakotaProperty Address: 20568 Abbey Ln,


14-48706-154-05LEGAL DESCRIPTION OF PROP -ERTY: Unit No. 154, Common Inter-est Community No. 319, a condo-m i n i u m , M i d d l e C r e e kCondominium, Dakota County, Min-nesota.AMOUNT DUE AND CLAIMED TO BE


ments have been complied with; that









ASSIGNEE OF MORTGAGEE: U.S.Bank National Association, asTrustee, on behalf of the holdersof The Asset Backed SecuritiesCorporation Home Equity LoanTrust, Series NC 2005-HE8, AssetBacked Pass-Through Certifi-cates, Series NC 2005-HE8





MORTGAGE: $255,500.00MORTGAGOR(S): Jay J. Stadler, a

single person and Tina M. Morrison, asingle personMORTGAGEE: Mortgage Electronic


Recorded: October 05, 2005 DakotaCounty Recorder, Document Number:2367339Transaction Agent: Mortgage Elec-


cation Number: 100061905256000104Lender or Broker: Summit Mortgage

CorporationResidential Mortgage Servicer: BAC




36-75300-100-00LEGAL DESCRIPTION OF PROP -ERTY: All of Lots Nine (9) and Ten(10), Taurinskas Addition, accordingto the plat thereof on file or of recordin the Office of the County Recorder,Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE








THE DEBT AND IDENTITY OF THEORIGINAL CREDITOR WITHIN THETIME PROVIDED BY LAW IS NOT

TIME PROVIDED BY LAW IS NOTAFFECTED BY THIS ACTION.







DATE OF MORTGAGE: A u g u s t 2 ,2002

MORTGAGOR: David R. Hoffman, asingle man.

MORTGAGEE: ABN Amro MortgageGroup, Inc., NKA CitiMortgage, Inc.







MORTGAGED PROPERTY ADDRESS:17547 Five Oaks Drive, Farmington,MN 55024

TAX PARCEL I.D.#: 22-20878-040-04LEGAL DESCRIPTION OF PROPERTY:Lot 4, Block 4, Dodd Ridge FourthAddition, Dakota CountyCOUNTY IN WHICH PROPERTY IS
















MORTGAGE: $186,150.00MORTGAGOR(S): Linda R. Tutko, an

unmarried womanMORTGAGEE: Mortgage Electronic


Recorded: May 06, 2005 Dakota CountyRecorder, Document Number: 2319875Transaction Agent: Mortgage Elec-



Lender or Broker: Summit MortgageCorp.Res iden t ia l Mortgage Serv icer :


LOCATED: DakotaProperty Address: 1111 Lilac Ct,


19-19503-112-03LEGAL DESCRIPTION OF PROP -ERTY: That part of Lot Ten (10) andLot Eleven (11), Block Three (3).Dakota Hills Fourth Addition, lyingnortherly of the following describedline: Commencing at the southeastcorner of said Lot Ten (10); thencenorth along the east lines of said LotTen (10) and Lot Eleven (11) a dis-tance of 82.50 feet to the point ofbeginning of line to be described;thence west to its intersection withthe westerly line of said Lot Ten (10)at a point 37.67 feet northeasterly ofthe angle point in said Lot Ten (10),said 37.67 feet being measured alongthe westerly line of said Lot Ten (10)and the arc of a 60 foot radius curve,central angle of 35 degrees 58 min-utes 04 seconds, and there terminat-ing, according to the plat thereofnow on file and of record in theoffice of the County Recorder withinand for said County and State.AMOUNT DUE AND CLAIMED TO BE















MORTGAGE: $174,265.00MORTGAGOR(S): Guven Alcin and

Colleen Marie Alcin, husband and wifeand Rustem Alcin and Ilknur Alcin,husband and wifeMORTGAGEE : Pioneer Mortgage

CorporationDATE AND PLACE OF RECORDING:


assigned to: U.S. Bank, N.A., Dated:March 31, 2004, Recorded: May 14,2004 Dakota County Recorder, Docu-ment Number: 2204653Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: Pioneer Mortgage

CorporationResidential Mortgage Servicer: U.S.


LOCATED: DakotaProperty Address: 20031 Cabrilla

Way, Farmington, MN 55024-1483T a x P a r c e l I D N u m b e r :

12-24500-051-04LEGAL DESCRIPTION OF PROP -ERTY: Lot 51, Block 4, Empire RiverPreserve, CIC No. 386 according tothe recorded plat thereof, DakotaCounty, Minnesota.AMOUNT DUE AND CLAIMED TO BE

DUE AS OF DATE OF NOT I CE :$169,836.23

$169,836.23THAT all pre-foreclosure require-













MORTGAGE: $168,800.00MORTGAGOR(S) : Reva Nelson, a



ING: Registered: December 26, 2007Dakota County Registrar of Titles,Document Number: 621823Transaction Agent: Mortgage Elec-






LOCATED: DakotaProperty Address: 15100 Lac Lavon


02-71251-0110-03LEGAL DESCRIPTION OF PROP -ERTY: Lot One (1), Block Three (3) inSouthwind Plat Two, according tothe recorded plat thereof, DakotaCounty, MinnesotaAMOUNT DUE AND CLAIMED TO BE









�� PUBLIC NOTICE

NOTICE OFMORTGAGE FORECLOSURE SALENOTICE IS HEREBY GIVEN that

default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: April 14, 2006ORIGINAL PRINCIPAL AMOUNT OF

MORTGAGE: $151,200.00MORTGAGOR(S): Amelia D. Winslow,

a married personMORTGAGEE: Mortgage Electronic

Registration Systems, Inc.DATE AND PLACE OF RECORDING:Recorded: April 24, 2006 Dakota



c a t i o n N u m b e r :1000779-1000606830-4Lender or Broker: Decision One Mort-

gage Company, LLCResidential Mortgage Servicer: BAC


LOCATED: DakotaProperty Address: 13039 Penn Ave S,



ERTY: Unit 13039, Park Valley, Com-mon Interest Community No. 137 ,Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE









THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF AJUD IC IAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES, SEC-TION 582.032, DETERMINING, AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: June 25, 2009MORTGAGEE: Mortgage ElectronicRegistration Systems, Inc.





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DATE OF MORTGAGE:July 17, 2003MORTGAGOR:Sharon M . Green, a

single person.MORTGAGEE:Spectra Financial, Inc.DATE AND PLACE OF RECORDING:

Recorded Apr i l 20 , 2004, Dako taCoun ty Reco rde r , Documen t No .2196352.

ASSIGNMENTS OF MORTGAGE :Assigned to: U.S. Bank, N.A., Dated:July 17, 2003, Recorded: April 20,2004, Document No. 2196353.

TRANSACTION AGENT: NONETRANSACTION AGENT 'S MORT-


LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Spectra Financial, Inc.

RESIDENTIAL MORTGAGE SER-VICER: U.S. Bank Home Mortgage

MORTGAGED PROPERTY ADDRESS:8435 Corcoran C irc le, Inver GroveHeights, MN 55076

T A X P A R C E L I . D . # :20-71500-017-04


Unit No. 17, Condominium No. 106,Springwood Ponds, a condominiumlocated in the County of Dakota,State of Minnesota.COUNTY IN WHICH PROPERTY IS











Dated: August 3, 2009.U.S. Bank, N. A.Mortgagee/Assignee of Mortgagee

USSET, WEINGARDEN AND LIEBO, P.L.L.P.By: Paul A. WeingardenAttorneys for Mortgagee/Assignee ofMortgagee4500 Park Glen Road #300Minneapolis, MN 55416(952) 925-688819-127810343562THIS IS A COMMUNICATION FROM ADEBT COLLECTOR.1855401 8/13-9/17/09






MORTGAGE: $391,200.00MORTGAGOR(S): Craig Andrews, a

married personMORTGAGEE: Mortgage Electronic



assigned to: U.S. Bank, National Asso-ciation, as Trustee, on behalf of theholders of the CSMC Mortgage-backedPass -through Cert i f icates , Ser ies2007-7, Dated: July 06, 2009Transaction Agent: Mortgage Elec-



CorporationResidential Mortgage Servicer: Select


LOCATED: DakotaProperty Address: 19600 Embers


14-56800-010-01LEGAL DESCRIPTION OF PROP -ERTY : Lot 1, B lock 1, Parkv iewPonds, Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE










THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: August 06, 2009ASSIGNEE OF MORTGAGEE: U.S.Bank, National Association, asTrustee, on behalf of the holders ofth e CSMC M o r t g a g e - b a ck e dPass-through Certificates, Series2007-7





MORTGAGE: $198,400.00MORTGAGOR(S): Yuriy Prokhorov

and Mariya Prokhorov, husband andwifeMORTGAGEE: Mortgage Electronic


Recorded: March 19, 2007 DakotaCounty Recorder, Document Number:2503434Transaction Agent: Mortgage Elec-



Lender or Broker: GreenPoint Mortgage Funding, Inc.Res iden t ia l Mortgage Serv icer :


LOCATED: DakotaProperty Address: 3321 Brookview


02-73251-120-04LEGAL DESCRIPTION OF PROP -ERTY: Lot 12, Block 4, Sunset Ter-race 2nd Addition, Dakota County,MinnesotaAMOUNT DUE AND CLAIMED TO BE















MORTGAGE: $257,400.00MORTGAGOR(S): Anna Bunnell and

Christopher Bunnell, wife and husbandMORTGAGEE: Mortgage Electronic




cation Number: 100194450001730887Lender or Broker: Fremont Invest-

ment & LoanResidential Mortgage Servicer: Lit-


LOCATED: DakotaProperty Address: 15870 Frisian Ln,


01-32151-089-01LEGAL DESCRIPTION OF PROP -ERTY: Lot 89, Block 1, Hawthorne2nd CIC #369, Dakota County, Min-nesota.AMOUNT DUE AND CLAIMED TO BE






Mortgagor(s) released from financialobligation: NONETHIS COMMUNICATION IS FROM










MORTGAGORS: Hanh Nguyen andCon Tran, both single person.

MORTGAGEE: A r g e n t M o r t g a g eCompany, LLC


ASSIGNMENTS OF MORTGAGE :Assigned to: Deutsche Bank NationalTrust Company , as Trustee in trust forthe benefit of the Certificateholders forArgent Securities Trust 2003-W9,Asset-Backed Pass-Through Certifi-cates, Series 2003-W9, Dated: June14, 2005, Recorded: June 23, 2005,Document No. 2333364.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Argent Mortgage Com-pany, LLC

RESIDENTIAL MORTGAGE SER -VICER: American Home Mortgage Ser-vicing, Inc

MORTGAGED PROPERTY ADDRESS:605 9th Street, Farmington, MN 55024

TAX PARCEL I.D. #: 142250101002LEGAL DESCRIPTION OF PROPERTY:Lot 1, Block 2, East Farmington Sec-ond AdditionCOUNTY IN WHICH PROPERTY IS











USSET, WEINGARDEN AND LIEBO, P.L.L.P.





MORTGAGE: $200,000.00MORTGAGOR(S): Maria Garcia, a

s i n g l e p e r s o n a n d A z a o l a C .Alvarado-Quintero, a single personMORTGAGEE: Mortgage Electronic

MORTGAGEE: Mortgage ElectronicRegistration Systems, Inc.DATE AND PLACE OF RECORDING:






LOCATED: DakotaProperty Address: 4485 Clover Ln,


10-22750-190-01LEGAL DESCRIPTION OF PROP -ERTY: Lot 19, Block 1, Eden Addi-tion, Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE










MORTGAGEE : Mortgage Elec -tronic Registration Systems, Inc





MORTGAGE: $239,000.00MORTGAGOR(S): Vasiliy Pakhnyuk,

A married personMORTGAGEE: Mortgage Electronic







LOCATED: DakotaProperty Address: 4401 Slater Rd,


101740228002LEGAL DESCRIPTION OF PROP -ERTY: Lot 28, Block 2, CinnamonRidge 3rd AdditionAMOUNT DUE AND CLAIMED TO BE





Law Enforcement Center, 1580 High-way 55, Lobby S-100, Hastings, Minne-

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MORTGAGORS: Nicole J. Voss andScott Voss, wife and husband.

MORTGAGEE: J PM o r g a n C h a s eBank, National Association as succes-sor in interest to Washington MutualBank, FA.







MORTGAGED PROPERTY ADDRESS:16440 Havelock Way, Lakeville, MN55044

TAX PARCEL I.D.#: 22-32902-080-05LEGAL DESCRIPTION OF PROPERTY:Lot 8, Block 5, Highview Heights 3rdAdditionCOUNTY IN WHICH PROPERTY IS








TIME AND DATE TO VACATE PROP-ERTY : I f th e r e a l e s t a t e i s anowner-occupied, single-family dwell-ing, unless otherwise provided by law,the date on or before which the mort-gagor(s) must vacate the property if themortgage is not reinstated under sec-tion 580.30 or the property is notredeemed under section 580.23 is11:59 p.m. on March 24, 2010. MORT-GAGOR(S) RELEASED FROM FINAN-CIAL OBLIGATION ON MORTGAGE:None








DATE OF MORTGAGE:A u g u s t 1 0 ,2007

MORTGAGORS:Edwa rd W . Fos te rand Tami D. Foster, husband and wife.

MORTGAGEE:Mortgage E lectronicRegistration Systems, Inc.

DATE AND PLACE OF RECORDING:Recorded August 22, 2007, DakotaCoun ty Reco rde r , Documen t No .2539196.



TRANSACTION AGENT 'S MORT-GAGE IDENTIFICATION NUMBER ONMORTGAGE: 100267400006395626

LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: American Equity Mort-gage, Inc.

RESIDENTIAL MORTGAGE SER-VICER: CitiMortgage, Inc.

MORTGAGED PROPERTY ADDRESS:605 Woodview Drive, Burnsville, MN55337

T A X P A R C E L I . D . # :02-52001-010-06


Lot 1, Block 6, Nordic Estates 2ndAdditionCOUNTY IN WHICH PROPERTY IS














way 55, Lobby S 100, Hastings, Minnesotato pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-ments, including attorney fees allowedby law, subject to redemption withinsix (6) months from the date of saidsale by the mortgagor(s), their per-sonal representatives or assigns.Mortgagor(s) released from financial










MORTGAGE: $212,250.00MORTGAGOR(S): James A Michka

and Elizabeth C Jacobs-Michka, Hus-band and WifeMORTGAGEE: Mortgage Electronic







LOCATED: DakotaProperty Address: 14029 Belmont Ct,

Rosemount, MN 55318T a x P a r c e l I D N u m b e r :

34-14502-190-02LEGAL DESCRIPTION OF PROP -ERTY: Lot 19, Block 2, BiscaynePoin te Third Addi t ion, Dako taCounty, MinnesotaAMOUNT DUE AND CLAIMED TO BE















MORTGAGE: $166,400.00MORTGAGOR(S): Milton V. Green

and Amy Green, husband and wifeMORTGAGEE: Mortgage Electronic


Recorded: Ju ly 09, 2004 Dako taCounty Recorder, Document Number:2223597Transaction Agent: Mortgage Elec-







015590011205LEGAL DESCRIPTION OF PROP -ERTY: Unit No. 112, Common Inter-est Community No. 311, OrchardPoin te Condominium, a condo-minium located in Dakota County,MinnesotaAMOUNT DUE AND CLAIMED TO BE















DATE OF MORTGAGE: July 21, 2005MORTGAGORS: Paul S. Simonsen

and Beverly G. Simonsen, husband andwife.


DATE AND PLACE OF RECORDING:Recorded August 16, 2005, DakotaCoun ty Recorder , Documen t No.2351263.

ASSIGNMENTS OF MORTGAGEAssigned to: U.S. Bank National Asso-ciation, as Trustee for StructuredAsset Investment Loan Trust, Mort-gage Pass-Through Certificates, Series2005-8, Dated: July 16, 2009.


TRANSACTION AGENT 'S MORT -

TRANSACTION AGENT S MORTGAGE IDENTIFICATION NUMBER ONMORTGAGE: 100122200001866158

LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: BNC MORTGAGE, INC


MORTGAGED PROPERTY ADDRESS:120 Shady Avenue, Vermillion, MN55085

TAX PARCEL I.D.#: 40-19400-030-02LEGAL DESCRIPTION OF PROPERTY:LOT THREE (3), BLOCK TWO (2),DAKOTA ACRES.COUNTY IN WHICH PROPERTY IS
















MORTGAGOR: Thomas J. Hodsdon, asingle person.

MORTGAGEE: Mortgage EnterprisesInc.

DATE AND PLACE OF RECORDING:Recorded January 31, 2003, DakotaCoun ty Recorder , Documen t No.1993317.

ASSIGNMENTS OF MORTGAGE :Assigned to: National City Real EstateServices LLC , s/b /m National CityMortgage, Inc. f/k/a National City Mort-gage Co., Dated: December 10, 2002,Recorded: January 31, 2003, Docu-ment No. 1993318.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Mortgage EnterprisesInc.


MORTGAGED PROPERTY ADDRESS:815 West 12th Street, Hastings, MN55033

TAX PARCEL I.D.#: 19-31950-030-07LEGAL DESCRIPTION OF PROPERTY:Lot 3, Block 7, Hancock, Thomas &Co.'s Addition to the Town of Hast-ings.COUNTY IN WHICH PROPERTY IS




That prior to the commencement ofthis mortgage foreclosure proceedingMortgagee/Assignee of Mortgagee com-plied with all notice requirements asrequired by statute; That no action orproceeding has been instituted at lawor o therw ise to recover the deb tsecured by said mortgage, or any part

secured by said mortgage, or any partthereof;






Dated: July 15, 2009.National City Real EstateServices LLCMortgagee/Assignee of Mortgagee





DATE OF MORTGAGE: September 6,2002

MORTGAGOR: Katherine R. Eriksen,a single person.


DATE AND PLACE OF RECORDING:Reco rded Novembe r 19 , 2002 ,

Dakota County Recorder, DocumentNo. 1961890.

ASSIGNMENTS OF MORTGAGE :Ass igned to: Nat iona l C ity Rea l

Estate Services LLC s/b/m NationalCity Mortgage, Inc. f/k/a National CityMortgage Co., Dated: September 6,2002 , Recorded: Apr i l 15, 2004,Document No. 2195028 and by Docu-ment Numbers 2198611 & 2202017.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Summit Mortgage Corpo-ration


MORTGAGED PROPERTY ADDRESS:23 Lilac Lane, Farmington, MN 55024

TAX PARCEL I.D. #: 141530101004LEGAL DESCRIPTION OF PROPERTY:Lot 1, Block 4, Bristol Square Sec-ond Addit ion, Common InterestCommunity No. 258, Dakota County,Minnesota.COUNTY IN WHICH PROPERTY IS









"THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-

REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALP R O D U C T I O N , A N D A R EABANDONED."

Dated: July 15, 2009.National City Real Estate ServicesLLCMortgagee/Assignee of Mortgagee




MORTGAGE: $374,000.00MORTGAGOR(S): Brian D. Severson

and Debra J. Severson, husband andwifeMORTGAGEE: American Summit

Mortgage CorporationDATE AND PLACE OF RECORDING:

Recorded: June 17 , 2002 Dako taCounty Recorder, Document Number:1906833ASSIGNMENTS OF MORTGAGE: And

assigned to: Ohio Savings Bank, Dated:

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assigned to: Ohio Savings Bank, Dated:April 25, 2002, Recorded: June 17,2002 Dakota County Recorder, Docu-ment Number: 1906834And assigned to: MorEquity, Inc.,

Dated: August 05, 2003, Recorded:October 27 , 2003 Dakota CountyRecorder, Document Number: 2130139Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: American Summit

Mortgage CorporationRes iden t ia l Mortgage Serv icer :

MorEquity, Inc.Mortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 17118 171st Ct,


22-72691-110-07LEGAL DESCRIPTION OF PROP -ERTY: Lot 11, Block 7, StonebriarSecond Addition, according to therecorded plat thereof, situated in theCounty of Dakota County, State ofMinnesota.AMOUNT DUE AND CLAIMED TO BE















MORTGAGE: $344,000.00MORTGAGOR(S): Ruth Close, a mar-

ried womanMORTGAGEE: Mortgage Electronic





gage Funding, Inc.Res iden t ia l Mortgage Serv icer :


LOCATED: DakotaProperty Address: 868/870 Trails

End, Eagan, MN 55123T a x P a r c e l I D N u m b e r :

10-83611-020-02LEGAL DESCRIPTION OF PROP -ERTY: Lot 2, Block 2, Wescott HillsRev ised 2nd Add i t i on , Dako taCounty, MinnesotaAMOUNT DUE AND CLAIMED TO BE



t a i n e d i n s a i d m o r t g a g e , t h eabove-described property will be soldby the Sheriff of said county as fol-lows:

lows:DATE AND TIME OF SALE: Septem-












MORTGAGE: $162,000.00MORTGAGOR(S): Chester Cooley and

Jennifer Cooley, husband and wifeMORTGAGEE: Mortgage Electronic




cation Number: 100194450001203125Lender or Broker: Fremont Invest-



LOCATED: DakotaProperty Address: 1145 Willow Trl,


14-15301-120-01LEGAL DESCRIPTION OF PROP -ERTY : Lo t 12 , B lock 1, Br istolSquare Second Addition, CommonInterest Community Number 258,Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE
















MORTGAGE: $200,880.00MORTGAGOR(S): Gerald B. Langham

and Carla D. Langham, husband andwifeMORTGAGEE: Fremont Investment &

LoanDATE AND PLACE OF RECORDING:

Recorded: February 19, 2003 DakotaCounty Recorder, Document Number:2002333ASSIGNMENTS OF MORTGAGE: And

assigned to: The Bank of New YorkMellon Trust Company, N.A. fka TheBank of New York Trust Company,N .A . , as successor - ininterest toJPMorgan Chase Bank, National Asso-ciation, fka JPMorgan Chase Bank, asTrustee for the Ace Securities Corp.Home Equ i ty Loan Trust , Ser ies2003-FM1, Asset Backed Pass-ThroughCertificates, Dated: July 15, 2009Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: Fremont Invest-



LOCATED: DakotaProperty Address: 8276 173rd St W,


221707612002LEGAL DESCRIPTION OF PROP -ERTY: Lot 12, Block 2, Cherry RidgeSecond.AMOUNT DUE AND CLAIMED TO BE







DEBT COLLECTOR ATTEMPTING TOCOLLECT A DEBT. ANY INFORMA-TION OBTAINED WILL BE USED FORTHAT PURPOSE.THE RIGHT TO VERIFICATION

OF THE DEBT AND IDENTITY OFTHE ORIGINAL CREDITOR WITHINTHE TIME PROVIDED BY LAW ISNOT AFFECTED BY THIS ACTION.THE TIME ALLOWED BY LAW FOR

REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: July 23, 2009ASSIGNEE OF MORTGAGEE: TheBank of New York Mellon TrustCompany, N.A. fka The Bank of NewYork Trust Company, N.A., as suc-cessor-in-interest to JPMorganChase Bank, National Association,fka JPMorgan Chase Bank, asTrustee for the Ace Securities Corp.Home Equity Loan Trust, Series2 0 0 3 - F M 1 , A s s e t B a c k e dPass-Through Certificates




NOTICE IS HEREBY GIVEN , thatdefault has occurred in conditions ofthe following described mortgage:DATE OF MORTGAGE: December 23,

DATE OF MORTGAGE: December 23,2005MORTGAGOR: Gregory J. Verdeja, a

single person.MORTGAGEE:Argent Mortgage Com-

pany, LLCDATE AND PLACE OF RECORDING:

Recorded January 6, 2006, DakotaCoun ty Recorder , Documen t No.2395073.ASSIGNMENTS OF MORTGAGE :

Assigned to: Deutsche Bank NationalTrust Company , as Trustee in trust forthe benefit of the Certificateholders forArgent Securities Inc., Asset-BackedPass-Through Certificates , Series2006-W2, Dated: February 11, 2009,Recorded: February 17, 2009, Docu-ment No. 2637658.TRANSACTION AGENT: NONETRANSACTION AGENT 'S MORT -


GAGE ORIGINATOR STATED ONMORTGAGE: Argent Mortgage Com-pany, LLCRESIDENTIAL MORTGAGE SER -

VICER: American Home Mortgage Ser-vicing, IncMORTGAGED PROPERTY ADDRESS:

966 Bellows Street, West Saint Paul,MN 55118TAX PARCEL I.D.#: 42-38000-060-40LEGAL DESCRIPTION OF PROP -ERTY: Lot 6, Block 40, Jackson andBidwell's Addition to West St. Paultogether with adjacent vacated streetwhich accrued theretoCOUNTY IN WHICH PROPERTY IS






ber 3, 2009 at 10:00 AMPLACE OF SALE: Sher i f f 's O f f ice,




Deutsche Bank National TrustCompany, as trusteeMortgagee/Assignee of Mortgagee




MORTGAGE: $154,400.00MORTGAGOR(S): Alicia R. Welsant,

an unmarried womanMORTGAGEE: Mortgage Electronic


ING: Registered: July 22, 2004 DakotaCounty Registrar of Titles, DocumentNumber: 542681Transaction Agent: Mortgage Elec-






LOCATED: DakotaProperty Address: 2074 Marvle Ln,


101670332004LEGAL DESCRIPTION OF PROP -

ERTY: Lot 32, Block 4 in Cedar GroveNo. 4, according to the recorded platthereof as corrected by the Surveyor'sCertificate of Correction recorded inBook 38 M.R., Page 628, in the office ofthe Registrar of Deeds, and the Court

the Registrar of Deeds, and the CourtOrder entered in District Court CaseNumber 56051, Dakota County, Min-nesotaAMOUNT DUE AND CLAIMED TO BE















DATE OF MORTGAGE: October 15,2004

MORTGAGORS: Juan H. Bazan andMaria G. Ayala-De Bazan, husband andwife.



ASSIGNMENTS OF MORTGAGE :Assigned to: The Bank of New YorkMellon f/k/a The Bank of New York asTrustee for the CertificateholdersCWALT, Inc. Asset-Backed Certificates,Series 2004-28CB, Dated: May 28,2009.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Lakeland Mortgage Cor-poration

RESIDENTIAL MORTGAGE SER -VICER: Litton Loan Servicing


TAX PARCEL I.D. #: 366430007010LEGAL DESCRIPTION OF PROPERTY:Lot 7, Block 10, Riverside Park Addi-tion to the City of St. Paul, DakotaCounty, Minnesota.COUNTY IN WHICH PROPERTY IS







PLACE OF SALE: Sher i f f 's O f f ice,Law Enforcement Center, 1580 Hwy55, Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on said

Mortgage, and taxes, if any, on saidpremises, and the costs and disburse-ments , inc luding attorneys' feesallowed by law subject to redemptionwithin six (6) months from the date ofsaid sale by the mortgagor(s), theirpersonal representatives or assignsunless reduced to Five (5) weeks underMN Stat. §580.07.



Dated: July 15, 2009.The Bank of New York Mellon, asTrusteeMortgagee/Assignee of Mortgagee

USSET, WEINGARDEN AND LIEBO, P.L.L.P.Attorneys for Mortgagee/Assignee ofMortgagee4500 Park Glen Road #300Minneapolis, MN 55416(952) 925-688818-494THIS IS A COMMUNICATION FROMA DEBT COLLECTOR.1812833 7/23-8/27/09




MORTGAGE: $258,000.00MORTGAGOR(S): Ruth Close, a mar-

ried personMORTGAGEE: Mortgage Electronic







LOCATED: DakotaProperty Address: 1868 Deer Hills

Trl, Eagan, MN 55122-2251T a x P a r c e l I D N u m b e r :

10-72978-020-02LEGAL DESCRIPTION OF PROP -ERTY : Lot 2 , B lock 2 , Sun C l i f fFourth Addition according to therecorded plat thereofAMOUNT DUE AND CLAIMED TO BE












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DATE OF MORTGAGE: Au gu s t 28 ,2003

MORTGAGOR: Christine Peterson, asingle person.



ASSIGNMENTS OF MORTGAGE :Assigned to: CitiMortgage, Inc., Dated:July 25, 2008, Recorded: July 28,2008, Document No. 2604774.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Citizens State Bank


MORTGAGED PROPERTY ADDRESS:2801 125th Street East, Burnsville, MN55337

TAX PARCEL I.D.#: 02-18350-060-02LEGAL DESCRIPTION OF PROPERTY:Lo t 6 , B l ock 2 , Coun t ry WoodEstates.COUNTY IN WHICH PROPERTY IS















MORTGAGE: $335,500.00MORTGAGOR (S ) : Hu o n g K i m

Nguyen, a single personMORTGAGEE: Mortgage Electronic


Recorded: Apr i l 24, 2006 DakotaCounty Recorder, Document Number:2422970Transaction Agent: Mortgage Elec-


cation Number: 100039295046575493Lender or Broker : First Magnus

Financial CorporationResidential Mortgage Servicer: BAC


LOCATED: DakotaProperty Address: 20701 Gemini Trl,


22-71450-080-03LEGAL DESCRIPTION OF PROP -ERTY : Lot 8, Block 3 , Spyglass ,according to the recorded pla tthereof , and s i tua te in Dako taCounty, MinnesotaAMOUNT DUE AND CLAIMED TO BE












for August 14, 2009 at 10:00 AM hasbeen postponed to November 12, 2009at 10:00 AM in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesota insaid County and State.DATED: August 14, 2009






DATE OF MORTGAGE: M a r c h 9 ,2005

MORTGAGORS: Lola Triemert andGilbert E. Triemert, wife and husband.

MORTGAGEE: ABN Amro MortgageGroup, Inc., N/K/A CitiMortgage Inc.

DATE AND PLACE OF RECORDING:Registered March 29, 2005, DakotaCounty Registrar of Titles, DocumentNo. 561902, Certificate of Title No.87389.

87389.ASSIGNMENTS OF MORTGAGE :

NONESa id Mortgage being Registered



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE : ABN Amro MortgageGroup, Inc., N/K/A CitiMortgage Inc.



TAX PARCEL I.D.#: 36-46000-230-13LEGAL DESCRIPTION OF PROPERTY:Lot 22 and the South 10 feet of Lot23 in Block 13 of Lorraine ParkAddition to the City of South St.Paul, Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS















MORTGAGE: $166,683.00MORTGAGOR(S): May Her Yang, a



Recorded: September 03, 2008 DakotaCounty Recorder, Document Number:2611120ASSIGNMENTS OF MORTGAGE: And

assigned to: U.S. Bank, N.A., Dated:July 10, 2009Transaction Agent: Mortgage Elec-


cation Number: 100021268001703442Lender or Broker: Mortgages Unlim-

ited, Inc.Residential Mortgage Servicer: U.S.


LOCATED: DakotaProperty Address: 3269 Valley Ridge


10-41300-032-05LEGAL DESCRIPTION OF PROP -ERTY: Unit 32, CIC Number 358,Cedar B lu f f Townhome Condo-minium, Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE




DATE AND TIME OF SALE: September 10, 2009 at 10:00 AMPLACE OF SALE: Dakota County











MORTGAGE: $210,000.00MORTGAGOR(S): Linda R. Tutko, a



ING: Registered: October 11, 2004Dakota County Registrar of Titles,Document Number: 549670Transaction Agent: Mortgage Elec-






LOCATED: DakotaProperty Address: 3427 Upper 149th

Cr, Rosemount, MN 55068T a x P a r c e l I D N u m b e r :

34-62857-050-01LEGAL DESCRIPTION OF PROP -ERTY: Lot Five (5), Block One (1),Rahn's Eight Addition, according tothe recorded plat thereof, DakotaCounty, Minnesota.AMOUNT DUE AND CLAIMED TO BE









THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.

PRODUCTION, AND ARE ABANDONED.DATED: July 23, 2009







MORTGAGORS: Don Banham andMelissa Banham, husband and wife.

MORTGAGEE: Tradition MortgageDATE AND PLACE OF RECORDING:

Registered May 13 , 2003 , DakotaCounty Registrar of Titles, DocumentNo. 499224, Certificate of Title No.121378, also recorded with the CountyRecorder on October 3, 2002 as Docu-ment No. 1943200.

ASSIGNMENTS OF MORTGAGE :Assigned to: Wells Fargo Bank, N.A.

successor by merger to Wells FargoHome Mortgage, Inc. Dated: August 9,2002, Registered: May 13, 2003, asDocumen t No. 499225, and a lsorecorded with the County Recorder onOctober 3, 2002, as Document No.1943201. And thereafter assigned to:AmTrust Bank, F/K/A Ohio SavingsBank, Dated: July 1, 2003, Registered:December 24, 2007 as Document No.621794 and by instrument Recorded:January 29, 2009, as Document No.2633648. And thereafter assigned to:Mortgage Electronic Registration Sys-tems , Inc . , Da ted: Ju ly 1, 2003 ,Recorded: July 9, 2007, as DocumentNo. 2529044, and by Instrument datedEffective July 1, 2003. And thereafterassigned to: Chase Home FinanceLLC, Dated: July 9, 2009.Sa id Mortgage being Registered



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Tradition Mortgage


MORTGAGED PROPERTY ADDRESS:18108 Jarl Court, Lakeville, MN 55044

TAX PARCEL I.D.#: 22-63101-010-05LEGAL DESCRIPTION OF PROPERTY:Lot 1, Block 5, Raven Lake 2nd Addi-tion, Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS










Dated: July 13, 2009.Chase Home Finance LLCMortgagee/Assignee of Mortgagee





MORTGAGE: $95,200.00MORTGAGOR(S): Cherie Dupuis, a



Recorded: March 01, 2007 DakotaCounty Recorder, Document Number:2500070Transaction Agent: Mortgage Elec-


cation Number: 100232301120043039

cation Number: 100232301120043039Lender or Broker: Centennial Mort-

gage and Funding, Inc.Res iden t ia l Mortgage Serv icer :


LOCATED: DakotaProperty Address: 918 9th St, Farm-

ington, MN 55024-1412T a x P a r c e l I D N u m b e r :

14-77025-040-03LEGAL DESCRIPTION OF PROP -ERTY: Lot 4, Block 3, Towns EdgePlaza, Dakota County, MinnesotaAMOUNT DUE AND CLAIMED TO BE












PUBLIC NOTICENOTICE OF ASSOCIATION LIEN

FORECLOSURE SALENOTICE IS HEREBY GIVEN , that

default has occurred in the terms andconditions of the Declaration for Rid-geview Condominium Homes ("Decla-ration") as recorded in the office of theCounty Recorder in and for DakotaCounty, Minnesota, which said Decla-ration covers the following describedproperty situated in the County ofDakota and State of Minnesota, to-wit:Apartment Number 202, 12936Nicollet Avenue South, Condo-minium Ownership No. 15, Ridge-view Condominium Homes

according to the plat thereof on file orof record in the Office of the CountyRecorder in and for Dakota County,Minnesota.PROPERTY ADDRESS : 12936

Nicollet Avenue South Unit 202,Burnsville MN 55337.THAT, pursuant to said Declaration,

there is claimed to be due and owingas of the date of this Notice by Deut-sche Bank National Trust Company,c/o Countrywide Home Loans, Inc.,as Unit owner, to Ridgeview Homeown-ers Association, the principal amountof Four Thousand Nine HundredFour and 50/100 ($4,904.50) forcondominium assessments; and thatany action being now pending at law orotherwise to recover said debt or anypart thereof has been discontinued, orthat an execution upon any judgmentrendered therein has been returnedunsatisfied, in whole or in part, and;THAT, pursuant to said Declaration,

and the statute in such case made andprovided, said debt creates a lien uponsaid premises in favor of RidgeviewHomeowners Assoc iat ion, as ev i -denced by that Notice of Lien datedFebruary 19, 2009, and recordedJune 11, 2009, as Document No.2663587 in the office of the CountyRecorder in and for Dakota County,Minnesota.THAT, notice is hereby given that by

virtue of the power of sale created bystatute, said lien will be foreclosed bythe sale of said premises with thehereditiments and appurtenancesthereto, which said sale will be madeby the Sheriff of Dakota County, atpublic auction to the highest bidder,for cash, to pay the amount then duefor said condominium assessments,together with the costs of foreclosure,including attorney's fees as allowed by

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including attorney s fees as allowed bylaw, as follows:DATE AND TIME OF SALE: Septem-

ber 9, 2009, at 10:00 A.M.PLACE OF SALE: Law Enforcement

Center, 1580 Highway 55, Hastings,MN.The time allowed by law for redemp-

tion by the Unit owner, their personalrepresentatives or assigns, is six (6)months from the date of said sale.Dated: July 20, 2009

By: David J. Raymond, #221818Attorney for Ridgeview HomeownersAssociation5838 Blackshire PathInver Grove Heights, MN 55076651-455-3100File # 1441125THIS COMMUNICATION IS FROM ADEBT COLLECTOR.1814179 7/23-8/27/09




MORTGAGE: $115,450.00MORTGAGOR(S): Lisa R. De Luney, a


Registration Systems, Inc.DATE AND PLACE OF RECORDING:Reco rded : Decembe r 02 , 2005

Dakota County Recorder, DocumentNumber: 2385518Transaction Agent: Mortgage Elec-





LOCATED: DakotaProperty Address: 4130 Rahn Rd Apt

308, Eagan, MN 55122-2142T a x P a r c e l I D N u m b e r :

10-22470-308-03LEGAL DESCRIPTION OF PROP -ERTY: Unit No. B308, CIC No. 468,Eagan Gardens , Dakota County ,Minnesota.AMOUNT DUE AND CLAIMED TO BE















DATE OF MORTGAGE: July 28, 2005MORTGAGORS: Peter D . West and

Karen L. West, husband and wife.MORTGAGEE: ABN Amro Mortgage

Group, Inc., NKA CitiMortgage, Inc.DATE AND PLACE OF RECORDING:

Registered August 31, 2005, Dakota

Registered August 31, 2005, DakotaCounty Registrar of Titles, DocumentNo. 573612, Certificate of Title No.133311.






MORTGAGED PROPERTY ADDRESS:5732 144th Street West, Apple Valley,MN 55124

TAX PARCEL I.D.#: 01-66700-020-08LEGAL DESCRIPTION OF PROPERTY:Lot 2, Block 8 in Scottsbriar 1st,according to the recorded pla tthereof, Dakota County, MinnesotaCOUNTY IN WHICH PROPERTY IS















MORTGAGE: $220,500.00MORTGAGOR(S): Joshua J. Lou-

ricas and Angela J. Louricas, husbandand wifeMORTGAGEE: U.S. Bank National

Association NDDATE AND PLACE OF RECORDING:

Recorded: November 01, 2006 DakotaCounty Recorder, Document Number:2472700Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: U.S. Bank National

Association NDResidential Mortgage Servicer: U.S.


LOCATED: DakotaProperty Address: 18295 Elkwood


14-19505-110-06LEGAL DESCRIPTION OF PROP -ERTY : Rea l Property in Dako taCounty, Minnesota Described as fol-lows Lot Eleven (11), Block Six (6),Dakota County Estates Sixth Addi-tionAMOUNT DUE AND CLAIMED TO BE



t a i n e d i n s a i d m o r t g a g e , t h eabove-described property will be soldby the Sheriff of said county as fol-lows:

lows:DATE AND TIME OF SALE: Septem-







MORTGAGEE : U .S . BankNational Association ND




MORTGAGE: $223,000.00MORTGAGOR(S): Scott Hemmer and

Joy Hemmer, husband and wife, andFrederick Hemmer and Dorothy Hem-mer, husband and wifeMORTGAGEE: Vermillion State BankDATE AND PLACE OF RECORDING:


assigned to: U.S. Bank N.A., Dated:April 29, 2005, Recorded: November29, 2005 Dakota County Recorder,Document Number: 2384573Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: Vermillion State

BankResidential Mortgage Servicer: U.S.


LOCATED: DakotaProperty Address: 3872 66th St E,


20-13250-060-02LEGAL DESCRIPTION OF PROP -ERTY : Lo t 6 , B l ock 2 , BakkenHeightsAMOUNT DUE AND CLAIMED TO BE










DATED: July 23, 2009ASSIGNEE OF MORTGAGEE:U.S. Bank N.A.





MORTGAGE: $113,000.00MORTGAGOR(S): Michael R Dahmes,

an unmarried manMORTGAGEE: M & I Marshall & Ils-

ley BankDATE AND PLACE OF REGISTER-

ING:Reg iste red : Feb rua ry 15, 2007

Dakota County Registrar of Titles,Document Number: 606167Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: M & I Marshall &

Ilsley BankResidential Mortgage Servicer: M & I

Mortgage Corp.Mortgage Originator: Not ApplicableCERTIFICATE OF TITLE NUMBER:


LOCATED: DakotaProperty Address: 1905 Estates Trl,


02-84827-020-02LEGAL DESCRIPTION OF PROP -ERTY: Lot Two (2), Block Two (2), inWoods Estates 3rd Addition, accord-ing to the recorded plat thereof,Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE










MORTGAGEE : M & IMarshall & Ilsley Bank






MORTGAGORS: James M. Trone andRobert A. Smith, both single.


DATE AND PLACE OF RECORDING:Registered January 10, 2005, DakotaCounty Registrar of Titles, DocumentNo. 556290, Certificate of Title No.134866.

ASSIGNMENTS OF MORTGAGE :Assigned to: CitiMortgage, Inc., Dated:June 30, 2009.Sa id Mortgage being Registered

Sa id Mortgage being RegisteredLand.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Cendant Mortgage Cor-poration D/B/A Burnet Home Loans



TAX PARCEL I.D.#: 36-46000-260-14LEGAL DESCRIPTION OF PROPERTY:The North half of Lot 25 and theSouth half of Lot 26, in Block 14, inLorraine Park Addition to the City ofSt. Paul, according to the recordedplat thereof on file and of record inthe office of the Registrar of TitlesDakota County, Minnesota.COUNTY IN WHICH PROPERTY IS















MORTGAGE: $154,320.00MORTGAGOR(S): Eric Holmquist, an

unmarried manMORTGAGEE: Mortgage Electronic


ING:Registered: September 30 , 2005

Dakota County Registrar of TitlesDocument Number: 575690Transaction Agent: Mortgage Elec-


cation Number: 100020410000852967Lender or Broker : DHI Mortgage

CompanyResidential Mortgage Servicer: BAC



LOCATED: DakotaProperty Address: 17521 Gillette


221860108112LEGAL DESCRIPTION OF PROP -ERTY : Unit No. 11081, CommonInterest Community No. 424, Cross-roads Condominium, Dakota CountyAMOUNT DUE AND CLAIMED TO BE




DATE AND TIME OF SALE: September 10, 2009 at 10:00 AMPLACE OF SALE: Dakota County










MORTGAGE: $172,000.00MORTGAGOR(S): Matthew M. Strum,

a single person and Erika Hecker, asingle personMORTGAGEE: Mortgage Electronic




cation Number: 100122200002724885Lender or Broker: BNC Mortgage,

Inc.Res iden t ia l Mortgage Serv icer :


LOCATED: DakotaProperty Address : 15357 Green-

haven Dr Apt 103 , Burnsville, MN55306-1620T a x P a r c e l I D N u m b e r :

02-84410-125-02LEGAL DESCRIPTION OF PROP -ERTY: Unit No. 125, Common Inter-est Community No. 145, WinterwoodV i l las , a Condominium, DakotaCounty, Minnesota.AMOUNT DUE AND CLAIMED TO BE









REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.

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MORTGAGORS: Jeremy J. Deysachand Michelle M. Deysach, husband andwife.

MORTGAGEE: First Franklin Finan-cial Corporation.


ASSIGNMENTS OF MORTGAGE :Assigned to: Deutsche Bank NationalTrust Company, as Trustee for FFMLTT r u s t 2 0 0 5 - F F 2 , M o r t g a g ePass-Through Certificates , Series2005-FF2, Dated: July 14, 2009.





MORTGAGED PROPERTY ADDRESS:1355 Balsam Street East, Eagan, MN55123

TAX PARCEL I.D.#: 10-84354-100-02LEGAL DESCRIPTION OF PROPERTY:Lot 10, Block 2, Wilderness Run 5thAddition, Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS













PRODUCTION, AND ARE ABANDONED.DATED: July 23, 2009






DATE OF MORTGAGE: S e p t em b e r23, 2005

MORTGAGOR: Gregory T. Lewis, asingle person.

MORTGAGEE: Mortgage ElectronicRegistration Systems, Inc..


ASSIGNMENTS OF MORTGAGE :Ass igned to: U .S . Bank Nat ionalAssociation, as Trustee for J.P. Mor-gan Mo r tgage Acqu is i t ion Co rp.2 0 0 6 - F R E 1 , A s s e t B a c k e dPass-Through Certificates , Series2006-FRE1, Dated: May 20 , 2009,Recorded: May 28, 2009, DocumentNo. 2659833.


TRANSACTION AGENT 'S MORT -GAGE IDENTIFICATION NUMBER ONMORTGAGE: 1001944-5000176687-3

LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Fremont Investment &Loan


MORTGAGED PROPERTY ADDRESS:1937 Southcross Drive West 1102,Burnsville, MN 55306

TAX PARCEL I.D.#: 02-71216-102-05LEGAL DESCRIPTION OF PROPERTY:Unit No. 1102, Condominium No.115, Southcross V i l lage Condo-minium, Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS
















MORTGAGE: $232,700.00MORTGAGOR(S): Steve G. Mater-

nowski and Patricia A. Maternowski,husband and wifeMORTGAGEE: Wilmington Finance, a

division of AIG Federal Savings BankDATE AND PLACE OF RECORDING:


ASSIGNMENTS OF MORTGAGE: Andassigned to: MorEquity, Inc., Dated:March 25, 2004, Recorded: January 11,2005 Dakota County Recorder, Docu-ment Number: 2284378Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLende r o r B roke r : W i lming ton

Finance, a division of AIG Federal Sav-ings BankRes iden t ia l Mortgage Serv icer :

MorEquity, Inc.Mortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address : 645 R i ta C t ,


10-32000-020-00LEGAL DESCRIPTION OF PROP -ERTY : Lo t 2 , Ha rvey Addi t ion ,according to the plat thereof now onfile and of record in the Office of theCounty Recorder w ithin and forDakota County, MinnesotaAMOUNT DUE AND CLAIMED TO BE















DATE OF MORTGAGE: July 8, 2004MORTGAGORS: John Peter Verstra-

ete and Julie A. Murphy, husband andwife.



ASSIGNMENTS OF MORTGAGE :Assigned to: Wells Fargo Bank, NA asT r u s t e e f o r W a M u M o r t g a g ePass -Through Cert i f icates Ser ies2004-PR2 Trust, Dated: June 29, 2009





MORTGAGED PROPERTY ADDRESS:3310 Rolling Hills Drive, Eagan, MN55121

TAX PARCEL I.D.#: 10-15501-370-02LEGAL DESCRIPTION OF PROPERTY:Lot 37, Block 2, Bur Oak Hills Sec-ond Addition, Dakota County, Min-nesota.COUNTY IN WHICH PROPERTY IS



DUE AS OF DATE OF NOTICE, INCLUD-ING TAXES, IF ANY, PAID BY MORT-

ING TAXES, IF ANY, PAID BY MORTGAGEE: $271,562.08







Dated: July 21, 2009.Wells Fargo Bank, N.A., as TrusteeMortgagee/Assignee of Mortgagee




MORTGAGE: $279,300.00MORTGAGOR(S): Dana R. Martin, a

single personMORTGAGEE: River City Mortgage

Corp.DATE AND PLACE OF REGISTER-

ING: Registered: September 30, 2003Dakota County Registrar of Titles,Document Number: 516294ASSIGNMENTS OF MORTGAGE: And

assigned to: TCF Mortgage Corpora-tion, Dated: July 21, 2003, Registered:September 30, 2003 Dakota CountyRegistrar of Titles, Document Number:516295And assigned to: Mortgage Elec-

tronic Registration Systems, Inc.,Dated: May 01, 2006, Registered: May09, 2006 Dakota County Registrar ofTitles, Document Number: 589855And assigned to: U.S. Bank, N.A.,

Dated: July 16, 2009Transaction Agent: Mortgage Elec-


cation Number: 100021248001902087Lender or Broker: River City Mort-

gage Corp.Residential Mortgage Servicer: U.S.

Bank Home MortgageMortgage Originator: Not ApplicableCERTIFICATE OF TITLE NUMBER:


LOCATED: DakotaProperty Address : 1598 Summit

Shores Cir, Burnsville, MN 55306-5818T a x P a r c e l I D N u m b e r :

02-73084-020-01LEGAL DESCRIPTION OF PROP -ERTY: Lot Two (2), Block One (1),Summit Shores Fifth, CIC No. 376,according to the recorded pla tthereof, Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE







A DEBT COLLECTOR ATTEMPT-

A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANYINFORMATION OBTAINED WILL BEUSED FOR THAT PURPOSE.THE RIGHT TO VERIFICATION OF



ASSIGNEE OF MORTGAGEE: U.S.Bank, N.A.





MORTGAGE: $105,271.00MORTGAGOR(S): Chimar A. Smith, a

single manMORTGAGEE: New Century Mort-

gage CorporationDATE AND PLACE OF RECORDING:


assigned to: Mortgage Electronic Reg-istration Systems, Inc., Dated: March24, 2006, Recorded: April 18, 2006Dakota County Recorder, DocumentNumber: 2421206Transaction Agent: Mortgage Elec-


cation Number: 100269610102441417Lender or Broker : New Century

Mortgage CorporationResidential Mortgage Servicer: GMAC


LOCATED: DakotaProperty Address: 4110 Rahn Rd Apt

111, Eagan, MN 55122-2183T a x P a r c e l I D N u m b e r :

10-22470-111-02LEGAL DESCRIPTION OF PROP -ERTY: Unit No. A111, CIC No. 468,Eagan Gardens , Dakota County ,Minnesota.AMOUNT DUE AND CLAIMED TO BE










ASSIGNEE OF MORTGAGEE:Mortgage Electronic Registra-tion Systems, Inc.





MORTGAGE: $196,880.00MORTGAGOR (S ) : He i de Lund ,

unmarried womanMORTGAGEE: First Franklin, a divi-

sion of Nat. City Bank of INDATE AND PLACE OF RECORDING:

Recorded: November 17, 2005 DakotaCounty Recorder, Document Number:2381771ASSIGNMENTS OF MORTGAGE: And

assigned to: First Franklin FinancialCorporation, Dated: March 07, 2006,Recorded: Apr i l 03 , 2006 DakotaCounty Recorder, Document Number:2417509And assigned to: U.S. Bank National

Association, As Trustee For The Hold-ers Of The First Franklin MortgageLoan Trust Mortgage Pass-throughCertificates, Series 2006-FF2, Dated:April 01, 2008, Recorded: May 27, 2008Dakota County Recorder, DocumentNumber: 2592917Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: First Franklin, a

division of Nat. City Bank of INResidential Mortgage Servicer: Select


LOCATED: DakotaProperty Address: 8111 Dana Path,


20-18291-030-01LEGAL DESCRIPTION OF PROP -ERTY : Lo t 3 , B lock 1, ConcordCommons 2nd, Dakota County, Min-nesota.AMOUNT DUE AND CLAIMED TO BE










ASSIGNEE OF MORTGAGEE:U.S. Bank National Association,As Trustee For The Holders OfThe First Franklin MortgageL o a n T r u s t M o r t g a g ePass - through Cer t i f ica tes ,Series 2006-FF2





MORTGAGE: $119,000.00MORTGAGOR(S): Janet M. Zaun, an

unmarried womanMORTGAGEE: Wachovia Mortgage,


Recorded: Apr i l 30 , 2003 DakotaCounty Recorder, Document Number:2039862Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-


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Lender or Broker: Wachovia Mortgage, FSB fka World Savings Bank, FSBRes iden t ia l Mortgage Serv icer :


LOCATED: DakotaProperty Address: 15691 Gateway

Path, Apple Valley, MN 55124-5159T a x P a r c e l I D N u m b e r :

01-16700-194-04LEGAL DESCRIPTION OF PROP -ERTY: Unit No. 194, CondominiumNo. 117 , Cedar Pointe, Carr iageHomes CondominiumAMOUNT DUE AND CLAIMED TO BE










MORTGAGEE : Wachov iaMortgage, FSB fka WorldSavings Bank, FSB





DATE OF MORTGAGE: July 25, 2005MORTGAGORS: Craig Alan Jenneke

and Shannon Marie Jenneke, husbandand wife.


DATE AND PLACE OF RECORDING:Recorded August 9, 2005, DakotaCoun ty Recorder , Documen t No.2349247.

ASSIGNMENTS OF MORTGAGE :Assigned to: U.S. Bank, N.A., Dated:July 10, 2009.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: U.S. Bank, N.A.


MORTGAGED PROPERTY ADDRESS:4470 207th Street West, Farmington,MN 55024

TAX PARCEL I.D.#: 14-64275-010-01LEGAL DESCRIPTION OF PROP -ERTY:Lot 1, B lock 1, R ivers ide West ,according to the recorded pla tthereof, Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS





PURSUANT to the power of sale con-tained in said mortgage, the abovedescribed property will be sold by the

described property will be sold by theSheriff of said county as follows:






Dated: July 24, 2009.U.S. Bank, N. A.Mortgagee/Assignee of Mortgagee





MORTGAGE: $144,000.00MORTGAGOR(S): Adam A. Grobove,

III an unmarried manMORTGAGEE: Mortgage Electronic



assigned to: HSBC Bank USA, NationalAssociation, as Trustee, Dated: August17, 2006, Recorded: September 07,2006 Dakota County Recorder, Docu-ment Number: 2459189Transaction Agent: Mortgage Elec-


cation Number: 100224620000617061Lender or Broker: Ownit Mortgage

Solutions, Inc.Residential Mortgage Servicer: Lit-


LOCATED: DakotaProperty Address: 1134 Ramsey St,


19-77300-070-03LEGAL DESCRIPTION OF PROP -ERTY: Lot 7, Block 3, Tripp's Addi-tion to Hastings, Dakota County,Minnesota.AMOUNT DUE AND CLAIMED TO BE









REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-

REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: July 30, 2009

ASSIGNEE OF MORTGAGEE:HSBC Bank USA , Nat iona lAssociation, as Trustee






MORTGAGORS: C layton W . L itch-field and Rochelle K. Litchfield, hus-band and wife.

MORTGAGEE: Welcome Home Mort-gage Services Co.

DATE AND PLACE OF RECORDING:Recorded Apr i l 24, 2003 , DakotaCoun ty Recorder , Documen t No.2036442.

ASSIGNMENTS OF MORTGAGE :Assigned to: National City Real EstateServices LLC s/b/m National City Mort-gage, Inc. f/k/a National City MortgageCo., Dated: March 14, 2003, Recorded:Ap r i l 24 , 2 0 0 3 , Do cumen t No .2036443.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Welcome Home Mort-gage Services Co.


MORTGAGED PROPERTY ADDRESS:4163 Starbridge Court, Eagan, MN55122

TAX PARCEL I.D.#: 10-83571-100-01LEGAL DESCRIPTION OF PROPERTY:Lot 10 , Block 1, Wenzel SecondAddition, Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS










Dated: July 21, 2009.National City Real Estate Ser-vices LLCMortgagee/Assignee of Mortgagee





DATE OF MORTGAGE: January 19,2007

MORTGAGOR: Heather Moe, a singlewoman.


DATE AND PLACE OF RECORDING:Recorded February 5, 2007, DakotaCoun ty Recorder , Documen t No.2494132.

ASSIGNMENTS OF MORTGAGE :Assigned to: Bank of America, NationalAssociation as successor by merger toLaSalle Bank NA as trustee for WaMuMortgage Pass-Through CertificatesSeries 2007-OA2 Trust, Dated: July 6,2009




RESIDENTIAL MORTGAGE SER -VICER: JPMorgan Chase Bank, N.A. assuccessor in interest to WashingtonMutual Bank

MORTGAGED PROPERTY ADDRESS:2378 Rushmore Road, Hastings, MN55033

TAX PARCEL I.D.#: 19-29702-380-03LEGAL DESCRIPTION OF PROPERTY:Lot 38, Block 3, Common InterestCommunity #567, Glendale HeightsThirdCOUNTY IN WHICH PROPERTY IS










Dated: July 20, 2009.Bank of America, N.A., as trusteeMortgagee/Assignee of Mortgagee





DATE OF MORTGAGE: S e p t em b e r25, 2007

MORTGAGORS: Douglas Beauva isand Danielle Beauvais, both single.



ASSIGNMENTS OF MORTGAGE :Assigned to: U.S. Bank, N.A., Dated:

July 10, 2009.TRANSACTION AGENT: Mortgage


TRANSACTION AGENT S MORTGAGE IDENTIFICATION NUMBER ONMORTGAGE: 100021278925228913

LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: U.S. Bank, N.A.


MORTGAGED PROPERTY ADDRESS:115 Richmond Street West, SouthSaint Paul, MN 55075

TAX PARCEL I.D.#: 36-71500-050-37LEGAL DESCRIPTION OF PROP -ERTY:Lot 4 and the East 1/2 of Lot 5, Block37, Spring Park, Dakota County,Minnesota.COUNTY IN WHICH PROPERTY IS











Dated: July 23, 2009.U.S. Bank, N. A.Mortgagee/Assignee of Mortgagee





MORTGAGE: $187,920.00MORTGAGOR(S): Kathryn L. Neuen-

feldt and Joseph W. Neuenfeldt, Wifeand HusbandMORTGAGEE: Mortgage Electronic


Recorded: January 25, 2006 DakotaCounty Recorder, Document Number:2399926Transaction Agent: Mortgage Elec-


cation Number: 100103210000120625Lender or Broker: Prime Mortgage





22-21174-120-01LEGAL DESCRIPTION OF PROP -ERTY: Lot Twelve (12), Block One(1), Donnay's Valley Park 5th, DakotaCounty, Minnesota.AMOUNT DUE AND CLAIMED TO BE



t a i n e d i n s a i d m o r t g a g e , t h eabove-described property will be soldby the Sheriff of said county as fol-

by the Sheriff of said county as follows:DATE AND TIME OF SALE: Septem-











MORTGAGE: $117,760.00MORTGAGOR(S): Timothy W. Parkos,

an unmarried manMORTGAGEE: Wachovia Mortgage,


Recorded: October 23, 2003 DakotaCounty Recorder, Document Number:2128807Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-






14-48703-117-05LEGAL DESCRIPTION OF PROP -ERTY: Unit No. 117, CIC No. 319, aCondominium, Middle Creek Con-dominium, Dakota County, Minne-sota.AMOUNT DUE AND CLAIMED TO BE










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DATED: July 23, 2009MORTGAGEE : Wachov iaMortgage, FSB fka World Sav-ings Bank, FSB




MORTGAGE: $135,920.00MORTGAGOR (S ) : Th e r e s a M .

Howard, a single personMORTGAGEE: Bankers Mortgage


Recorded: Ju ly 15, 2003 Dako taCounty Recorder, Document Number:2078098ASSIGNMENTS OF MORTGAGE: And

assigned to: TCF Mortgage Corpora-tion, Dated: May 27, 2003, Recorded:July 15, 2003 Dakota County Recorder,Document Number: 2078099And assigned to: Mortgage Elec-

tronic Registration Systems, Inc. ,Dated: May 01, 2006, Recorded: May09, 2006 Dakota County Recorder,Document Number: 2427196And assigned to: U.S. Bank, N.A.,

Dated: July 16, 2009Transaction Agent: Mortgage Elec-


cation Number: 100021248001866365Lender or Broker: Bankers Mortgage

Company, LLCResidential Mortgage Servicer: U.S.


LOCATED: DakotaProperty Address: 17443 Glacier


22-170-52-010-05LEGAL DESCRIPTION OF PROP -ERTY: Unit 10, Cherry Highlands, acondominium, CIC No. 265, DakotaCounty, MinnesotaAMOUNT DUE AND CLAIMED TO BE










ASSIGNEE OF MORTGAGEE: U.S.Bank, N.A.





MORTGAGE: $135,000.00MORTGAGOR(S): Lorie Ann Hable, a

single womanMORTGAGEE : Argen t Mortgage


Recorded: March 06 , 2007 Dakota

Recorded: March 06 , 2007 DakotaCounty Recorder, Document Number:2500680ASSIGNMENTS OF MORTGAGE: And

assigned to: Wells Fargo Bank, N.A., asTrustee on behalf of the holders of theAsset Backed Securities CorporationHome Equity Loan Trust, Series AMQ2007-HE@ Asset Backed Pass-throughCertificates, Series AMQ 2007-HE,Dated: January 22, 2007Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: Argent Mortgage

Company, LLCResidential Mortgage Servicer: Select




36-64300-150-12LEGAL DESCRIPTION OF PROP -ERTY: Lot 15, Block 12, RiversidePark Addition, Dakota County, Min-nesota.AMOUNT DUE AND CLAIMED TO BE










ASSIGNEE OF MORTGAGEE:Wel ls Fargo Bank, N .A . , asTrustee on behalf of the hold-ers of the Asset Backed Securi-ties Corporation Home EquityL o a n T r u s t , S e r i e s AMQ2 0 0 7 -HE@ A s s e t B a c k e dPass - through Cer t i f ica tes ,Series AMQ 2007-HE




default has occurred in conditions ofthe following described mortgage:DATE OF MORTGAGE: June 22, 2006MORTGAGORS: Richard A. Jamie-

son and Jacqueline J. Jamieson, hus-band and wife.MORTGAGEE: Mortgage Electronic

Registration Systems, Inc..DATE AND PLACE OF RECORDING:

Recorded Ju ly 25, 2006 , Dako taCoun ty Recorder , Documen t No.2448147.ASSIGNMENTS OF MORTGAGE :

Assigned to: THE BANK OF NEW YORKMELLON F/K/A THE BANK OF NEWYORK AS TRUSTEE FOR THE CER-TIFICATEHOLDERS CWABS , INC .ASSET -BACKED CERTIFICATES ,SERIES 2006-13, Dated: September 8,2008, Recorded: October 6, 2008,Document No. 2616389.TRANSACTION AGENT: Mortgage



GAGE ORIGINATOR STATED ONMORTGAGE : Coun t ryw ide HomeLoans, Inc.RESIDENTIAL MORTGAGE SER -

VICER: BAC Home Loans ServicingL.P.MORTGAGED PROPERTY ADDRESS:

15004 Park Avenue, Burnsville, MN55306

55306TAX PARCEL I.D. #: 025655406001LEGAL DESCRIPTION OF PROPERTY:Lot 6, Block 1, Paha Sapa KnollsFifth Addition.COUNTY IN WHICH PROPERTY IS







Law Enforcement Center, 1580 Hwy55, Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on saidpremises, and the costs and disburse-ments , inc luding attorneys' feesallowed by law subject to redemptionwithin six (6) months from the date ofsaid sale by the mortgagor(s), theirpersonal representatives or assignsunless reduced to Five (5) weeks underMN Stat. §580.07.TIME AND DATE TO VACATE PROP-

ERTY : I f th e r e a l e s t a t e i s anowner-occupied, single-family dwell-ing, unless otherwise provided by law,the date on or before which the mort-gagor(s) must vacate the property if themortgage is not reinstated under sec-tion 580.30 or the property is notredeemed under section 580.23 is11:59 p.m. on March 24, 2010.MORTGAGOR(S) RELEASED FROM



The Bank of New York Mellon, asTrusteeMortgagee/Assignee of Mortgagee


PUBLIC NOTICEA . NOTICE OF DEFAULT ANDFORECLOSURE SALE

WHEREAS, on July 12, 2005, a cer-tain Mortgage was executed by MyrtleAllen, as mortgagor, in favor of WellsFargo Bank, N.A., as mortgagee, andwas recorded on August 8, 2005, asInstrument No. 2348756 in the Officeof the Coun ty Reco rde r , Dako taCounty; and

WHEREAS , the Mo r t g a g e w a sinsured by the United States Secretaryof Housing and Urban Development( the Sec re ta ry ) pursuan t to theNational Housing Act for the purposeof providing single family housing; and

WHEREAS , the Mortgage is nowowned by the Secretary, pursuant to anassignment dated March 9, 2007, andrecorded on May 21, 2007, as Instru-ment Number 2518317, in the office ofthe County Recorder, Dakota County;and

WHEREAS, a default has been madein the covenants and conditions of theMortgage in that the payment due onOctober 1, 2008, was not made andremains wholly unpaid as of the date ofthis notice, and no payment has beenmade sufficient to restore the loan tocurrency; and

WHEREAS, the entire amount delin-quent as of August 28, 2009 will be$186,370.31; and

WHEREAS, by virtue of this default,the Secretary has declared the entireamount of the indebtedness securedby the Mortgage to be immediately dueand payable;

NOW , THEREFORE , pursuant topowers vested in me by the SingleFamily Mortgage Foreclosure Act of1994, 12 U.S.C. 3751 et seq., by 24 CFRp a r t 2 7 , s ubp a r t B , and b y theSecretary's designation of me as Fore-closure Commissioner, recorded asInstrument No. ___________, notice ishereby given that on August 28, 2009at 10:00 a.m. local time, all real andpersonal property at or used in con-nection with the following describedpremises ("Property") will be sold atpublic auction to the highest bidder:Lot 12 and the North 1/2 of Lot 13,Block 5, Riverside Park Addition tothe City of South St. Paul, DakotaCounty, Minnesota

Commonly known as : 345 7thAvenue South, South St. Paul, MN

The sa le w i l l be held at DakotaCounty Sheriff's Office, Law Enforce-

County Sheriff s Office, Law Enforcement Center, 1580 Highway 55, Lobby#S-100, Hastings, MN;

The Secretary of Housing and UrbanDevelopment will bid $186,370.31, plusattorneys' fees and costs.

There will be no proration of taxes,rents or other income or liabilities,except that the purchaser will pay, ator before closing, his prorate share ofany real estate taxes that have beenpaid by the Secretary to the date of theforeclosure sale. THERE SHALL BENO PERIOD OF REDEMPTION.

When making their bids, all biddersexcept the Secretary must submit adeposit totaling $18,637.03 in the formof a certified check or cashier's checkmade out to the Secretary of HUD. Adeposit need not accompany each oralbid. If the successful bid is oral, adeposit of $18,637.03 must be pre-sented before the bidding is closed.The deposit is nonrefundable. Theremainder of the purchase price mustbe delivered within 30 days of the saleor at such other time as the Secretarymay determine for good cause shown,t ime being of the essence. Thisamount, like the bid deposits, must bedelivered in the form of a certified orcashier's check. If the Secretary is thehighest bidder, he need not pay the bidamount in cash. The successful bid-der will pay all conveying fees, all realestate and other taxes that are due ono r a f te r the del ive ry da te of theremainder of the payment and all othercosts associated with the transfer oftitle. At the conclusion of the sale, thedeposits of the unsuccessful bidderswill be returned to them.

Th e S e c r e t a r y m a y g r an t anextension of time within which todeliver the remainder of the payment.A l l extens ions w i l l be for 15-dayincrements for a fee of $500.00, paid inadvance. The extension fee shall be inthe form of a certified or cashier'scheck made payable to the Secretary ofHUD. If the high bidder closes the saleprior to the expiration of any extensionperiod, the unused portion of theextension fee shall be applied towardthe amount due.

If the high bidder is unable to closethe sale within the required period, orwithin any extensions of time grantedby the Secretary, the high bidder maybe required to forfeit the cash depositor, at the election of the foreclosurecommissioner after consultation of theHUD representative, will be liable toHUD for any costs incurred as a resultof such failure. The Commissionermay , at the direct ion of the HUDrepresentative, offer the property tothe second highest b idder for anamount equal to the highest priceoffered by that bidder.

There is no right of redemption, orright of possession based upon a rightof redemption, in the mortgagor orothers subsequent to a foreclosurecomple ted pursuan t to the Ac t .T h e r e f o r e , t h e F o r e c l o s u r eCommissioner will issue a Deed to thepurchaser(s) upon receipt of the entirepurchase price in accordance with theterms of the sale as provided herein.HUD does not guarantee that theproperty will be vacant.

The scheduled foreclosure sale shallbe cancelled or adjourned if it isestablished, by documented writtenapplication of the mortgagor to theForeclosure Commissioner not lessthan 3 days before the date of sale, orotherwise, that the default or defaultsupon which the foreclosure is baseddid not exist at the time of service ofthis notice of default and foreclosuresale, or all amounts due under themortgage agreement are tendered tothe Foreclosure Commissioner, in theform of a certified or cashier's checkpayable to the Secretary of HUD, beforepub l ic auct ion of the property iscompleted.

The amount that must be paid if themortgage is to be reinstated prior tothe scheduled sale is $NA, plus allother amounts that wou ld be dueunder the mortgage agreement i fpayments under the mortgage had notbeen accelerated, advertising costs andpostage expenses incurred in givingnotice, mileage by the most reasonableroad distance for posting notices andfor the Foreclosure Commissioner'sattendance at the sale, reasonable andcustomary costs incurred for title andlien record searches, the necessaryout-of-pocket costs incurred by theFo rec l os u re Commis s i one r f o rrecording documents, a commissionfor the Foreclosure Commissioner, andall other costs incurred in connectionw i th th e f o r e c l o s u r e p r i o r t oreinstatement.

Tender of payment by certified orcashier's check or application forcancellation of the foreclosure saleshall be submitted to the address ofthe Fo rec l os u re Commis s i one rprovided below.

Date: July 27, 2009/s/ Paul A. WeingardenForeclosure CommissionerPaul A. WeingardenUsset, Weingarden & Liebo P.L.L.P.4500 Park Glen Road, Suite 300St. Louis Park, MN 55416Tele: 952-925-6888Telefax: 952-925-58791830027 7/30-8/13/09




the following described mortgage:DATE OF MORTGAGE: July 7, 2004MORTGAGOR: Vanessa L. Kahle, a

single person.MORTGAGEE: ABN AMRO Mortgage

Group, Inc., N/K/A CitiMortgage Inc.DATE AND PLACE OF RECORDING:

Recorded September 16, 2004, DakotaCoun ty Recorder , Documen t No.2248204.




LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: ABN AMRO MortgageGroup, Inc., N/K/A CitiMortgage Inc.


MORTGAGED PROPERTY ADDRESS:8612 Holland Avenue, Apple Valley, MN55124

TAX PARCEL I.D.#: 01-27503-010-01LEGAL DESCRIPTION OF PROPERTY:Lot 1, Block 1, Forest Park Estates4th Addition, Dakota County, Minne-sota.COUNTY IN WHICH PROPERTY IS















MORTGAGE: $187,000.00MORTGAGOR (S ) : Joan Remick

K e n n e d y an d Ch a r l e s E dw a r dKennedy, III, wife and husbandMORTGAGEE: The Lending Connec-

tion, Inc.DATE AND PLACE OF RECORDING:


assigned to: New Century MortgageCorporation, Dated: December 12,2006, Recorded: January 22, 2007Dakota County Recorder, DocumentNumber: 2490075And assigned to: Deutsche Bank

National Trust Company, as Trusteeunder the Pool ing and Serv ic ingAgreement dated as of March 1, 2003,Morgan Stanley Dean Witter Capital I,Inc., Trust 2003-NC3, Dated: January04, 2003, Recorded: January 22, 2007Dakota County Recorder, DocumentNumber: 2490076Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: The Lending Con-

nection, Inc.Residential Mortgage Servicer: Lit-


LOCATED: DakotaProperty Address: 1440 Highview

Ave, Eagan, MN 55121-1142T a x P a r c e l I D N u m b e r :

10-32880-095-00LEGAL DESCRIPTION OF PROP -

LEGAL DESCRIPTION OF PROPERTY: The West 30 feet of Lot 6, theEast 30 feet of the North 60 feet ofthe West 360 feet of Lot 9 and theWest 330 feet of Lot 9, all in High-view Acres, except that part con-tained within Remick Addition.AMOUNT DUE AND CLAIMED TO BE










ASSIGNEE OF MORTGAGEE:Deutsche Bank National TrustCompany, as Trustee under thePooling and Servicing Agree-ment dated as of March 1, 2003,Morgan Stanley Dean WitterCapital I, Inc., Trust 2003-NC3





MORTGAGE: $205,000.00MORTGAGOR(S): Barbara J. Bjugan,

an unmarried womanMORTGAGEE: Wachovia Mortgage,


Recorded: January 19, 2006 DakotaCounty Recorder, Document Number:2398153Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-






22-75857-060-03LEGAL DESCRIPTION OF PROP -ERTY: Lot 6, Block 3, The Meadows8 th Addi t ion, according to thereco rded p la t the reo f , Dako taCounty, Minnesota.AMOUNT DUE AND CLAIMED TO BE






obligation: NONE

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MORTGAGEE: Wachovia Mort-gage, FSB fka World SavingsBank, FSB





DATE OF MORTGAGE: July 14, 2003MORTGAGOR: Theresa A . L iv ing-

ston-Kassa, an unmarried person.MORTGAGEE: Brier Mortgage Corpo-

ration.DATE AND PLACE OF RECORDING:

Recorded December 1, 2003, DakotaCoun ty Recorder , Documen t No.2146527.

ASSIGNMENTS OF MORTGAGE :Ass igned to: ABN Amro MortgageGroup, Inc., NKA CitiMortgage, Inc.,Dated: July 14, 2003, Recorded: April30, 2004, Document No. 2199650.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Brier Mortgage Corpora-tion


MORTGAGED PROPERTY ADDRESS:12931 South Harriet Avenue, Burns-ville, MN 55337

TAX PARCEL I.D. #: 021518001001LEGAL DESCRIPTION OF PROPERTY:Lot 1, Block 1, Brittany Heights,Dakota County, MinnesotaCOUNTY IN WHICH PROPERTY IS











Dated: July 24, 2009.







MORTGAGORS: Natalia Melnik andEugene Melnik, wife and husband.


DATE AND PLACE OF RECORDING:Registered May 12 , 2005, DakotaCounty Registrar of Titles, DocumentNo. 565192, Certificate of Title No.146453.

ASSIGNMENTS OF MORTGAGE :Assigned to: Wells Fargo Bank, NA asT r u s t e e f o r W a M u M o r t g a g ePass -Through Cert i f icates Ser ies2005-PR2 Trust, Dated: June 25, 2009Sa id Mortgage being Registered



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Washington Mutual Bank,FA

RESIDENTIAL MORTGAGE SER -V ICER : JPMo rgan Cha se Bank ,National Association as successor ininterest to Washington Mutual Bank

MORTGAGED PROPERTY ADDRESS:12214 24th Avenue South, Burnsville,MN 55337

TAX PARCEL I.D.#: 02-81920-070-03LEGAL DESCRIPTION OF PROPERTY:Lot 7, Block 3, Villaburne.COUNTY IN WHICH PROPERTY IS










Dated: July 17, 2009.Wells Fargo Bank, N.A., as TrusteeMortgagee/Assignee of Mortgagee





DATE OF MORTGAGE:July 31, 2008MORTGAGOR: Mary B . Simmer , a

MORTGAGOR: Mary B . Simmer , asingle person.


DATE AND PLACE OF RECORDING:Recorded August 11, 2008, Dakota


ASSIGNMENTS OF MORTGAGE :Assigned to: CitiMortgage, Inc.,

Dated: July 14, 2009.TRANSACTION AGENT: Mortgage



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Platinum Lending Corpo-ration


MORTGAGED PROPERTY ADDRESS:6756 Foliage Court, Rosemount, MN55068

TAX PARCEL I.D.#: 22-51350-550-01LEGAL DESCRIPTION OF PROPERTY:Lot 55, Block 1, Niakwa Village,Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS
















MORTGAGE: $320,000.00MORTGAGOR(S): Richard J. Lamotte,



Recorded: January 26, 2007 DakotaCounty Recorder, Document Number:2491745ASSIGNMENTS OF MORTGAGE: And

assigned to: Central Mortgage Com-pany, Dated: July 15, 2009Transaction Agent: Mortgage Elec-


cation Number: 100488910115984618Lender or Broker : New Century

Mortgage CorporationResidential Mortgage Servicer: Cen-


LOCATED: DakotaProperty Address : 2318 Bonaire

Path, Rosemount, MN 55068T a x P a r c e l I D N u m b e r :

34-02110-013-31LEGAL DESCRIPTION OF PROP -ERTY: That part of Government Lot 2and the West Half of the Southwest

and the West Half of the SouthwestQuarter (W 1/2 of SW 1/4) of SectionTwenty-One (21), Township OneHundred Fifteen (115), Range Nine-teen (19), Dakota County, Minnesota,described as follows:Commencing at the Southeast cor-ner of said West Half of the South-west Quarter (W 1 /2 of SW 1 /4) ;thence North 0 degrees 11 minutes11 seconds West (assumed bearing)along the East line thereof a dis-tance of 1753.82 feet; thence con-tinuing North 0 degrees 11 minutes11 seconds West along said East linea distance of 900.00 feet to the cen-terline of 135th Street West; thenceNorthwesterly on said centerlinealong a non-tangential curve con-cave to the Northeast having a radiusof 433.55 feet, a central angle of 8degrees 32 minutes 38 seconds anda chord bearing of North 63 degrees42 minutes 54 seconds West for adistance of 64.55 feet; thence North59 degrees 26 minutes 36 secondsWest along said centerline, tangentto the last described curve a dis-tance of 295.35 feet to the actualpoint of beginning, thence continu-ing North 59 degrees 26 minutes 36seconds West along said centerline adistance of 171.78 feet; thence alongsaid centerline on a tangential curveconcave to the Northeast, having aradius of 1174.50 feet and a centralangle of 12 degrees 09 minutes 00seconds for a distance of 249.08 feet;thence North 47 degrees 17 minutes36 seconds West along said center-line a distance of 197.50 feet to thecenter l ine of B iscayne Avenue ;thence South 16 degrees 15 minutes18 seconds West along said center-line a distance of 442.16 feet; thenceSouthwesterly on said centerlinealong a tangential curve concave tothe Northwest, having a radius of1454.44 feet and a central angle of 8degrees 17 minutes 48 seconds for adistance of 159.84 feet; thence South72 degrees 23 minutes 03 secondsEast a distance of 685.58 fee t ;thence North 2 degrees, 12 minutes43 seconds East a distance of 413.35feet to the point of beginning andthere terminating; according to theGovernment Survey thereof.AMOUNT DUE AND CLAIMED TO BE

DUE AS OF DATE OF NOT I CE :$352,463.26T H A T a l l p r e - f o r e c l o s u r e

requirements have been complied with;that no action or proceeding has beeninst ituted at law or otherw ise torecover the debt secured by sa idmortgage, or any part thereof;PURSUANT to the power of sa le

con ta ined in sa id mor tgage , theabove-described property will be soldby the She r i f f o f sa id coun ty asfollows:D A T E A N D T I M E O F S A L E :

September 17, 2009 at 10:00 AMPLACE OF SALE: Dakota County

Law En fo rcemen t Cen te r , 1580Highway 55, Lobby S-100, Hastings,Minnesotato pay the deb t secured by sa idmortgage and taxes, if any, on saidp r e m i s e s a n d t h e c o s t s a n ddisbursements, including attorney feesallowed by law, subject to redemptionwithin six (6) months from the date ofsaid sale by the mortgagor(s), theirpersonal representatives or assigns.Mortgagor(s) released from financial


A DEBT COLLECTOR ATTEMPTINGTO COLLECT A DEBT . ANYINFORMATION OBTAINED WILL BEUSED FOR THAT PURPOSE.THE RIGHT TO VERIFICATION OF


REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR 'S PERSONALREPRESENTATIVES OR ASSIGNS ,MAY BE REDUCED TO FIVE WEEKS IFA JUDICIAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES ,SECTION 582.032, DETERMINING,AMONG OTHER THINGS, THAT THEMOR TG AG ED P R EM I S E S A R EIMPROVED WITH A RESIDENTIALDWELLING OF LESS THAN FIVEUNITS, ARE NOT PROPERTY USED INAGRICULTURAL PRODUCTION, ANDARE ABANDONED.DATED: July 30, 2009






MORTGAGE: $195,100.00MORTGAGOR(S): Tami J. Badois, a

married personMORTGAGEE: Mortgage Electronic

Registration Systems, Inc.DATE AND PLACE OF RECORDING:Reco rded : Decembe r 14 , 2004

Dakota County Recorder, DocumentNumber: 2275901Transaction Agent: Mortgage Elec-


cation Number: 100285700000041185

cation Number: 100285700000041185Lender or Broker: Winstar Mortgage

Partners, Inc.Res iden t ia l Mortgage Serv icer :


LOCATED: DakotaProperty Address: 20153 Holister Ln,


22-32175-010-02LEGAL DESCRIPTION OF PROP -ERTY : Lo t 1, B lock 2 , CommonInterest Community No. 366, Heri-tage Walk, according to the recordedplat thereof, Dakota County, Minne-sota.AMOUNT DUE AND CLAIMED TO BE














MORTGAGE: $207,900.00MORTGAGOR(S): Jessica J. Schuler,




assigned to: U.S. Bank National Asso-ciation, as Trustee for the holders ofthe First Franklin Mortgage Loan Trust2006-FF10 Mortgage Pass-through Cer-tificates, Series 2006-FF10, Dated: July10, 2009Transaction Agent: Mortgage Elec-


cation Number: 100425240007502013Lender or Broker: NationPoint a

Division of National City Bank of INResidential Mortgage Servicer: Select


LOCATED: DakotaProperty Address: 13628 Findlay

Ave, Apple Valley, MN 55124-8068T a x P a r c e l I D N u m b e r :

01-31003-050-04LEGAL DESCRIPTION OF PROP -ERTY : Lot 5, Block 4, GreenleafFourth Addition, Dakota County,Minnesota.AMOUNT DUE AND CLAIMED TO BE





Law Enforcement Center, 1580 High-way 55, Lobby S-100, Hastings, Minne-sota

sotato pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-ments, including attorney fees allowedby law, subject to redemption withinsix (6) months from the date of saidsale by the mortgagor(s), their per-sonal representatives or assigns.Mortgagor(s) released from financial




REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: July 30, 2009ASSIGNEE OF MORTGAGEE: U.S.Bank Na t iona l Assoc ia t ion, asTrustee for the holders of the FirstF rankl in Mo r tgage Loan T rust2006-FF10 Mortgage Pass-throughCertificates, Series 2006-FF10






MORTGAGORS: Sco t t Henze andKathy M. Henze, husband and wife.






LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Principal ResidentialMortgage, Inc.


MORTGAGED PROPERTY ADDRESS:12960 Pleasant Avenue South, Burns-ville, MN 55337

TAX PARCEL I.D.#: 02-15180-100-04LEGAL DESCRIPTION OF PROPERTY:Lot 10, Block 4, Brittany Heights,Dakota Co., Minnesota.COUNTY IN WHICH PROPERTY IS









"THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURAL

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PROPERTY USED IN AGRICULTURALP R O D U C T I O N , A N D A R EABANDONED."







MORTGAGORS: Silvia E. Padilla andMarvin O. Padilla, wife and husband.

MORTGAGEE: Mortgages Unlimited,Inc.


ASSIGNMENTS OF MORTGAGE :Ass igned to: ABN Amro MortgageGroup, Inc., NKA CitiMortgage, Inc.,Dated: November 21, 2002, Recorded:February 12 , 2003 , Document No.1999526.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Mortgages Unlimited,Inc.


MORTGAGED PROPERTY ADDRESS:423 East Bernard Street, West SaintPaul, MN 55118

TAX PARCEL I.D.#: 42-34100-220-02LEGAL DESCRIPTION OF PROPERTY:L o t 2 0 , 2 1 a n d 2 2 , B l o ck 2 ,Hutchinson's Addition to St. Paul,together with that part of the vacatedalley adjacent thereto which accruedthereto by reason of the vacationthereof, according to the recordedplat thereof, and situate in DakotaCounty, Minnesota.COUNTY IN WHICH PROPERTY IS












USSET, WEINGARDEN AND LIEBO, P.L.L.P.By: Paul A. Weingarden

By: Paul A. WeingardenAttorneys for Mortgagee/Assignee ofMortgagee4500 Park Glen Road #300Minneapolis, MN 55416(952) 925-688810-2078624375186THIS IS A COMMUNICATION FROMA DEBT COLLECTOR.1830659 7/30-9/3/09



MORTGAGE: $478,400.00MORTGAGOR(S): Daovone Chan-

thalinh, a single personMORTGAGEE: Mortgage Electronic


Recorded: June 28, 2007 Dako taCounty Recorder, Document Number:2527097Transaction Agent: Mortgage Elec-


cation Number: 100053030011503548Lender or Broker: Aegis WholesaleRes iden t ia l Mortgage Serv icer :


LOCATED: DakotaProperty Address: 14255 Footbridge

Way, Apple Valley, MN 55124-3331T a x P a r c e l I D N u m b e r :

011658505001LEGAL DESCRIPTION OF PROP -ERTY: Lot 5, Block 1, Cedar IsleEstates 6th AdditionAMOUNT DUE AND CLAIMED TO BE














MORTGAGE: $147,920.00MORTGAGOR(S): James P Fitzgerald,

an unmarried manMORTGAGEE: Mortgage Electronic




cation Number: 100197500000224501Lender or Broker: Brier Mortgage



LOCATED: DakotaProperty Address: 12991 Echo Ln,


01-20540-020-01LEGAL DESCRIPTION OF PROP -ERTY : Lo t 2 , B lock 1, Common

ERTY : Lo t 2 , B lock 1, CommonInterest Community Number 130,Diamond Path Townhomes, DakotaCounty, Minnesota, according to therecorded plat thereof.AMOUNT DUE AND CLAIMED TO BE















MORTGAGE: $136,000.00MORTGAGOR(S): Nicholas J. Breun

and Melissa L. Breun, husband andwifeMORTGAGEE: Aames Funding Cor-

poration dba Aames Home LoanDATE AND PLACE OF REGISTER-

ING: Registered: December 27, 2004Dakota County Registrar of Titles,Document Number: 555180ASSIGNMENTS OF MORTGAGE: And

assigned to: Deutsche Bank NationalTrust Company, as Indenture Trusteeof the Aames Mortgage InvestmentTrust 2004-1, Dated: July 16, 2009Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: Aames Funding

Corporation dba Aames Home LoanResidential Mortgage Servicer: Lit-

ton Loan Servicing, LPMortgage Originator: Not ApplicableCERTIFICATE OF TITLE NUMBER:


LOCATED: DakotaProperty Address: 3764 Conroy Trl,


20-53652-010-29LEGAL DESCRIPTION OF PROP -ERTY: Lot 1, Block 29, The OaksThird Addition, together with Decla-ration of Covenants, Conditions andRestrictions recorded as DocumentNumber 388776 and amended byDocument Number 403417, DakotaCounty, Minnesota.AMOUNT DUE AND CLAIMED TO BE






sale by the mortgagor(s), their personal representatives or assigns.Mortgagor(s) released from financial




REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: July 30, 2009ASSIGNEE OF MORTGAGEE: Deut-sche Bank National Trust Com-pany, as Indenture Trustee of theAames Mortgage Investment Trust2004-1






MORTGAGORS: James P. McDonaldand Beth K. Mclarnan, husband andwife.


DATE AND PLACE OF RECORDING:Registered November 21, 2005, DakotaCounty Registrar of Titles, DocumentNo. 579651, Certificate of Title No.114351.

ASSIGNMENTS OF MORTGAGE :Assigned to: CitiMortgage, Inc., Dated:April 3, 2006, Recorded: April 17,2006, Document No. 588147.Sa id Mortgage being Registered




LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: CitiMortgage, Inc.


MORTGAGED PROPERTY ADDRESS:4805 Eriks Boulevard, Eagan, MN55122

TAX PARCEL I.D. #: 107820002005LEGAL DESCRIPTION OF PROPERTY:Lo t 2 , in B lock 5 in Tw in V iewManor, together with a non-exclu-sive easement for drive purposesover and across the South 14 feet ofthe East 80 feet of Lot 1, Block 5,Twin View Manor, Dakota County,Minnesota.COUNTY IN WHICH PROPERTY IS










Dated: July 10, 2009.






MORTGAGE: $224,000.00MORTGAGOR(S): Isaac Frimpong and

Christinana Pomaa, husband and wifeMORTGAGEE: U.S. Bank, National

Association, NDDATE AND PLACE OF RECORDING:

Recorded: February 20, 2007 DakotaCounty Recorder Document Number:2497812Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not Applicable Lenderor Broker: U.S. Bank, National Asso-ciation, ND Residential Mortgage Ser-vicer: U.S. Bank Consumer FinanceMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: Dakota Property Address:17405 Fontana Path, Farmington, MN55024-9022 Tax Parcel ID Number:22-18301-100-04LEGAL DESCRIPTION OF PROP -ERTY: Lot 10, Block 4, Country PondSouth 2nd Addition, according to thereco rded p la t the reo f , Dako taCounty, Minnesota.AMOUNT DUE AND CLAIMED TO BE











MORTGAGEE: U.S. Bank,National Association, ND





DATE OF MORTGAGE: May 31, 2005MORTGAGOR: M isha L . Rezac , a

single person.MORTGAGEE: First Franklin.DATE AND PLACE OF RECORDING:

Recorded June 9, 2005, Dakota CountyRecorder, Document No. 2329269.

ASSIGNMENTS OF MORTGAGE :Assigned to: First Franklin FinancialCorporation, Dated: February 8, 2006,Recorded: March 6, 2006, Document

Recorded: March 6, 2006, DocumentNo. 2410415. And thereafter assignedto: Deutsche Bank National TrustCompany, as Trustee for FFMLT Trust2005-FF8, Mortgage Pass-Through Cer-tificates, Series 2005-FF8, Dated: July14, 2009.





MORTGAGED PROPERTY ADDRESS:17125 Encina Path, Lakeville, MN55024

TAX PARCEL I.D.#: 22-18101-206-06LEGAL DESCRIPTION OF PROPERTY:Unit No. 1206, Common InterestCommunity No. 329, CornerstoneLake Condom in ium s , Dako taCounty, Minnesota.COUNTY IN WHICH PROPERTY IS















MORTGAGE: $154,700.00MORTGAGOR(S): Nancy B. Louise, a

single womanMORTGAGEE: CitiMortgage, Inc,

successor by merger with ABN AMROMortgage Group, Inc.DATE AND PLACE OF REGISTER-

ING : Registered: August 08, 2003Dakota County Registrar of Titles,Document Number: 509477Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: CitiMortgage, Inc,

successor by merger with ABN AMROMortgage Group, Inc.Residential Mortgage Servicer: Citi-

Mortgage, Inc.Mortgage Originator: Not ApplicableCERTIFICATE OF TITLE NUMBER:


LOCATED: DakotaProperty Address: 7350 Dawn Ave,


20-71150-120-01LEGAL DESCRIPTION OF PROP -ERTY: Lot Twelve (12), in Block One(1) of South Grove according to theplat thereof on file and of record inthe office of the Register of Deeds

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the office of the Register of Deedswithin and for said County and StateAMOUNT DUE AND CLAIMED TO BE











MORTGAGEE: CitiMortgage, Inc,successor by merger with ABNAMRO Mortgage Group, Inc.





MORTGAGE: $369,750.00MORTGAGOR(S): Douglas A. Meller,



ING: Registered: October 24, 2006Dakota County Registrar of Titles,Document Number: 599904Transaction Agent: Mortgage Elec-


cation Number: 100052624251363174Lender or Broker: Fieldstone Mort-

gage CompanyResidential Mortgage Servicer: Lit-

ton Loan Servicing, LPMortgage Originator: Not ApplicableCERTIFICATE OF TITLE NUMBER:


LOCATED: DakotaProperty Address: 17532 Kodiak Ct,


225475108001LEGAL DESCRIPTION OF PROP -ERTY: Lot Eight (8), Block One (1),Orchard Lake Estates 2nd Addition,Dakota County, MinnesotaAMOUNT DUE AND CLAIMED TO BE






sale by the mortgagor(s), their personal representatives or assigns.If the Mortgage is not reinstated











MORTGAGE: $122,400.00MORTGAGOR(S): Nicole S. Kanieski,

a single womanMORTGAGEE: Mortgage Electronic





Financial Network, Inc.Residential Mortgage Servicer: GMAC


LOCATED: DakotaProperty Address: 1903 Silver Bell

Rd Apt 318, Eagan, MN 55122-3124T a x P a r c e l I D N u m b e r :

10-22451-460-01LEGAL DESCRIPTION OF PROP -ERTY: Unit No. 318 and Garage No.61, Condominium No. 43, ShannonG len Condominium IV , Dako taCounty, Minnesota.AMOUNT DUE AND CLAIMED TO BE










REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF A JUDI-CIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURAL

PROPERTY USED IN AGRICULTURALPRODUCTION, AND ARE ABANDONED.DATED: August 06, 2009





MORTGAGE: $196,000.00MORTGAGOR(S): Robert Diaz Flores

and Maria A. Cruseno, husband andwifeMORTGAGEE: Mortgage Electronic


Recorded: May 03, 2007 Dakota CountyRecorder, Document Number: 2513929Transaction Agent: Mortgage Elec-



Financial, LLC (F/K/A HomecomingsFinancial Network, Inc.)Residential Mortgage Servicer: GMAC


LOCATED: DakotaProperty Address: 18336 Elm Tree

Cir, Farmington, MN 55024-8711T a x P a r c e l I D N u m b e r :

14-19505-050-06LEGAL DESCRIPTION OF PROP -ERTY: Lot 5, Block 6, Dakota CountyEs ta tes 6 th Add i t i on , Dako taCounty, MinnesotaAMOUNT DUE AND CLAIMED TO BE















MORTGAGE: $217,000.00MORTGAGOR(S): Eric C. Solem and

Michelle Solem, husband and wifeMORTGAGEE: Aames Funding Cor-

poration dba Aames Home LoanDATE AND PLACE OF RECORDING:


assigned to: Avelo Mortgage, LLC,Dated: April 18, 2006, Recorded: May01, 2008 Dakota County Recorder,

01, 2008 Dakota County Recorder,Document Number: 2587973And assigned to: Bank of America,

National Association, as successor bymerger to LaSa l le Bank, Nat iona lAssociation, as trustee under the Pool-ing and Servicing Agreement dated aso f June 1 , 2 0 0 6 , GSAMP T r u s t2006-HE4, Dated: July 24, 2009Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: Aames Funding

Corporation dba Aames Home LoanResidential Mortgage Servicer: Lit-


LOCATED: DakotaProperty Address: 3566 Village Trl,


19-64381-040-02LEGAL DESCRIPTION OF PROP -ERTY: Lot 4, Block 2, Riverwood 7thAddition, according to the recordedplat thereof, Dakota County, Minne-sotaAMOUNT DUE AND CLAIMED TO BE








DEBT COLLECTOR ATTEMPTING TOCOLLECT A DEBT. ANY INFORMA-TION OBTAINED WILL BE USED FORTHAT PURPOSE.THE RIGHT TO VERIFICATION

OF THE DEBT AND IDENTITY OFTHE ORIGINAL CREDITOR WITHINTHE TIME PROVIDED BY LAW ISNOT AFFECTED BY THIS ACTION.THE TIME ALLOWED BY LAW FOR


ASSIGNEE OF MORTGAGEE:Bank of Amer ica , Nat iona lAssociation, as successor byme rge r to LaSa l l e Bank ,Na t i ona l Assoc ia t i on , astrustee under the Pooling andServicing Agreement dated asof June 1, 2006, GSAMP Trust2006-HE4




MORTGAGE: $140,289.00MORTGAGOR(S): Michael Klug, a

single person and Sara E. Almansour,a single personMORTGAGEE : F irst Res ident ia l

Mortgage CorporationDATE AND PLACE OF RECORDING:


assigned to: AmTrust Bank fka OhioSavings Bank, Dated: July 31, 2002,Recorded: May 04, 2004 Dakota CountyRecorder, Document Number: 2200963Transaction Agent: Not ApplicableTransaction Agent Mortgage Identifi-

cation Number: Not ApplicableLender or Broker: First Residential

Mortgage CorporationRes iden t ia l Mortgage Serv icer :

AmTrust BankMortgage Originator: Not ApplicableCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address: 3323 River Bluff


10-41300-115-05LEGAL DESCRIPTION OF PROP -

LEGAL DESCRIPTION OF PROPERTY: Unit No. 115, CIC No. 358Cedar B lu f f Townhome Condo-minium, Dakota County, MinnesotaAMOUNT DUE AND CLAIMED TO BE











ASSIGNEE OF MORTGAGEE:AmTrust Bank fka Ohio SavingsBank





MORTGAGE: $106,305.00MORTGAGOR(S): Julie M. Flack,

Single PersonMORTGAGEE: Mortgage Electronic


Recorded: February 23, 2005, DakotaCoun t y Reco rde r , Documen t # :2298172Transaction Agent : Mortgage Elec-


cation Number: 100200700000432337Lender or Broker : Paragon Home

Lending, LLCRes ident ia l Mortgage Serv icer :

Countrywide Home LoansMortgage Originator : Not ApplicableLEGAL DESCRIPTION OF PROPERTY:Apartment No. 102, 12924 NicolletAvenue South, Condominium Own-ership Number 15, Ridgeview Con-dominium Homes, Dakota County,Minnesota.COUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address : 12924 Nicollet

Ave S #102 Burnsville, MN 55337Tax Parcel ID No : 020130049416AMOUNT DUE AND CLAIMED TO BE



tained in said mortgage, the abovedescribed property will be sold by theSheriff of said county as follows:DATE AND TIME OF SALE: January

22, 2009, 10:00 A.M.PLACE OF SALE: Dakota County

Law Enforcement Center, 1580 High-way 55, Lobby S-100, Hastings, MNto pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-men ts , inc luding a t torneys feesallowed by law, subject to redemptionwithin 6 months from the date of saidsale by the mortgagor(s), their per-sonal representatives or assigns.Mortgagor(s) released from financial


DEBT COLLECTOR ATTEMPTING TO


THE RIGHT TO VERIFICATION OFTHE DEBT AND IDENTITY OF THEORIGINAL CREDITOR WITHIN THETIME PROVIDED BY LAW IS NOTAFFECTED BY THIS ACTION.THE TIME ALLOWED BY LAW FOR

REDEMPTION BY THE MORTGAGOR,THE MORTGAGOR 'S PERSONALREPRESENTATIVES OR ASSIGNS ,MAY BE REDUCED TO FIVE WEEKS IFA JUDICIAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES ,SECTION 582.032, DETERMINING,AMONG OTHER THINGS, THAT THEMOR TG AG ED P R EM I S E S A R EIMPROVED WITH A RESIDENTIALDWELLING OF LESS THAN FIVEUNITS, ARE NOT PROPERTY USED INAGRICULTURAL PRODUCTION, ANDARE ABANDONED.Dated: December 4, 2008

Mortgage ElectronicRegistration Systems, Inc.Mortgagee

Wilford & GeskeAttorneys for MortgageeLawrence A. WilfordJames A. Geske7650 Currell BoulevardSuite 300Woodbury, Minnesota 55125(651)209-3300File ID: 054975-36948NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for January 22, 2009 at 10:00 a.m. hasbeen postponed to February 19, 2009a t 10 :00 a .m. a t the Dako ta LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, in said Countyand State.Dated: January 22, 2009


Wilford & Geske, PAAttorneys for MortgageeLawrence A. WilfordJames A. Geske7650 Currell Blvd., Suite 300Woodbury, MN 55125(651)209-3300Client ID: 36948NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for February 19, 2009 at 10:00 a.m. hasbeen postponed to March 19, 2009 at10:00 a.m. at the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, in said Countyand State.Dated: February 19, 2009



for March 19, 2009 at 10:00 a.m. hasbeen postponed to April 23, 2009 at10:00 a.m. at the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, in said Countyand State.Dated: March 19, 2009

Mo r t g a g e E l e c t ron i cRegistration Systems, Inc.Mortgagee


for April 23, 2009 at 10:00 a.m. hasbeen postponed to June 11, 2009 at10:00 a.m. at the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, in said Countyand State.Dated: April 23, 2009



for June 11, 2009, at 10:00 A.M., hasbeen postponed to July 30, 2009, at10:00 A.M. at the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, MN, in saidCounty and State.

Dated: June 11, 2009Mortgage ElectronicRegistration Systems, Inc.Mortgagee

Wilford & Geske, PAAttorneys for MortgageeLawrence A. WilfordJames A. Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125(651)209-3300Client ID: 36948NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for July 30, 2009 at 10:00 a.m. has

��

��





DATE OF MORTGAGE:July 30, 2007MORTGAGOR:Michael W. Richards, a

single man.MORTGAGEE:J P M o r g a n C h a s e

Bank, National Association as succes-sor in interest to Washington MutualBank, FA.

DATE AND PLACE OF RECORDING:Recorded September 17, 2007, DakotaCoun ty Reco rde r , Documen t No .2544409.

A S S I G N M E N T S O FMORTGAGE:NONE

TRANSACTION AGENT: NONETRANSACTION AGENT 'S MORT-



RESIDENTIAL MORTGAGE SER-VICER : JPMo rgan Chase Bank ,National Association as successor ininterest to Washington Mutual Bank

MORTGAGED PROPERTY ADDRESS:1325 Prairieview Trail, Farmington, MN55024

T A X P A R C E L I . D . # :14-15304-120-01


Lot 12, Block 1, Bristol Square FifthAdditionCOUNTY IN WHICH PROPERTY IS



DUE AS OF DATE OF NOT ICE ,INCLUDING TAXES, IF ANY, PAID BY

for July 30, 2009 at 10:00 a.m. hasbeen postponed to September 24, 2009at 10:00 a.m. in the Dakota CountyLaw En fo rcemen t Cen te r , 1580Highway 55, Lobby S-100, in the City ofHastings in said County and State.Dated: August 7, 2009


Wilford & GeskeBy: Lawrence A. Wilford/James A. Geske8425 Seasons ParkwaySuite 105Woodbury, MN 55125Ph.: 651-209-3300File ID: 369481854189 8/13/09



default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: May 18, 2005ORIGINAL PRINCIPAL AMOUNT OF

MORTGAGE: $242,707.00MORTGAGOR(S):Randi Grabina (unmarried)MORTGAGEE: Mortgage Electronic

Registration Systems, Inc.DATE AND PLACE OF RECORDING:Recorded: June 2, 2005Dakota County RecorderDocument #: 2327228ASSIGNMENTS OF MORTGAGE:And thereafter assigned to:U.S. Bank, N.A.Dated: September 15, 2008Recorded: September 23, 2008Document #: 2614260Transaction Agent : Mortgage Elec-


cation Number : 100021278908363331Lender or Broker : U .S. Bancorp

Advantage, LLC Residential MortgageServicer : US Bank Home Mortgage

Mortgage Originator : Not ApplicableLEGAL DESCRIPTION OF PROP-

ERTY:Uni t No. 604, Common In terest

Community No. 397, Bayside, a Con-dominium, Dakota County, Minnesota.COUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address : 15529 Dunhill Ln

Apple Valley, MN 55124Tax Parcel ID No : 01-18052-604-20AMOUNT DUE AND CLAIMED TO BE



tained in said mortgage, the abovedescribed property will be sold by theSheriff of said county as follows:DATE AND TIME OF SALE: April 23,

2009 10:00 A.M.PLACE OF SALE: Dakota County Law

Enforcement Center, 1580 Highway 55,Lobby S-100, Hastings, MNto pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-ments, including attorneys fees allowedby law, subject to redemption within 6months from the date of said sale bythe mortgagor(s), their personal repre-sentatives or assigns.Mortgagor(s) released from financial




THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR 'S PERSONALREPRESENTATIVES OR ASSIGNS, MAYBE REDUCED TO FIVE WEEKS IF AJUD IC IAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES ,SECTION 582.032, DETERMINING,AMONG OTHER THINGS, THAT THEMOR TG AG ED P R EM I S E S A R EIMPROVED WITH A RESIDENTIALDWELLING OF LESS THAN FIVEUNITS, ARE NOT PROPERTY USED INAGRICULTURAL PRODUCTION, ANDARE ABANDONED.Dated: March 5, 2009

U.S. Bank, N.A.Assignee of Mortgagee

Wilford & GeskeAttorneys for Assignee of MortgageeLawrence A. WilfordJames A. Geske7650 Currell BoulevardSuite 300Woodbury, Minnesota 55125(651)209-3300File ID: 128100-34620


for April 23, 2009 at 10:00 a.m. hasbeen postponed to May 28, 2009 at10:00 a.m. in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, MN , in saidCounty and State.Dated: May 7, 2009

U.S. Bank, N.A.Assigneed of Mortgagee

Wilford & Geske, PAAttorneys for Assignee of MortgageeLawrence A. WilfordJames A. Geske8425 Seasons Pkwy, Suite 105Woodbury, MN 55125(651)209-3300Client ID: 128100-34620

NOTICE OF POSTPONEMENT OF


for May 28, 2009 at 10:00 a.m. hasbeen postponed to Ju ly 9, 2009 at10:00 a.m. in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, MN, in saidCounty and State.Dated: June 11, 2009




for July 9, 2009 at 10:00 a.m. has beenpostponed to August 13, 2009 at 10:00a .m . in the Dako ta Coun t y LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, MN, in saidCounty and State.Dated: July 16, 2009




for August 13, 2009 at 10:00 a.m. hasbeen postponed to September 24, 2009at 10:00 a.m. in the Dakota CountyLaw En f o r c emen t C en t e r , 1 580Highway 55, Lobby S-100, Hastings,MN , in said County and State.Dated: August 13, 2009


Wilford & Geske, PAAttorneys for Assignee of MortgageeLawrence A. WilfordJames A. Geske8425 Seasons Pkwy, Suite 105Woodbury, MN 55125(651)209-3300Client ID: 128100-346201854669 8/13/09




DATE OF MORTGAGE: April 30, 2007MORTGAGOR: S tacy E . Ca rey , a



Recorded May 14, 2007, Dakota CountyRecorder, Document No. 2516883.

ASSIGNMENTS OF MORTGAGE :Assigned to: Bank of America, N.A.S/B/M to LaSalle Bank National Asso-ciation, as Trustee for Merrill LynchFirst Franklin Mortgage Loan Trust,Mortgage Loan Asset-Backed Certifi-cates, Series 2007-4, Dated: Decem-ber 12, 2008.





MORTGAGED PROPERTY ADDRESS:5332 Emerald Way, Apple Valley, MN55124

TAX PARCEL I.D.#: 01-23700-420-01LEGAL DESCRIPTION OF PROPERTY:Lot 42, Block 1, Emerald Point 1stAddition.COUNTY IN WHICH PROPERTY IS






DATE AND TIME OF SALE: May 14,2009 at 10:00 AM

PLACE OF SALE: Sher i f f 's O f f ice,Law Enforcement Center, 1580 Hwy55, Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on saidp r em i s e s , a n d t h e c o s t s a n ddisbursements, including attorneys'f e e s a l l ow ed b y l aw s ub j e c t toredemption within six (6) months fromt h e d a t e o f s a i d s a l e b y t h emortgagor(s), their personal represen-tatives or assigns.


"THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR 'S PERSONAL

THE MORTGAGOR S PERSONALREPRESENTATIVES OR ASSIGNS ,MAY BE REDUCED TO FIVE WEEKS IFA JUDICIAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES ,SECTION 582.032, DETERMINING,AMONG OTHER THINGS, THAT THEMOR TG AG ED P R EM I S E S A R EIMPROVED WITH A RESIDENTIALDWELLING OF LESS THAN FIVEUNITS, ARE NOT PROPERTY USED INAGRICULTURAL PRODUCTION, ANDARE ABANDONED."

Dated: March 12, 2009.Bank of America, N.A. as trusteeMortgagee/Assignee of Mortgagee

USSET, WEINGARDEN AND LIEBO, P.L.L.P.By: Paul A. WeingardenAttorneys for Mortgagee/Assignee ofMortgagee4500 Park Glen Road #300Minneapolis, MN 55416(952) 925-688876-29381044882146THIS IS A COMMUNICATION FROMA DEBT COLLECTOR.NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEPursuan t to the p rov is i ons o f

M inneso ta S ta tu tes 580 .07 , thef o r e g o i n g f o r e c l o s u r e s a l e i spostponed until August 6, 2009 at10:00 am at the Sheriff's Office, LawEnforcement Center, 1580 Hwy 55,Lobby #S-100, Hastings, MN, in saidcounty and state.

Dated: May 19, 2009.Bank of America, N.A.Mortgagee/Assignee of Mortgagee


M inneso ta S ta tu tes 580 .07 , thef o r e g o i n g f o r e c l o s u r e s a l e i spostponed until October 8, 2009 at10:00 am at the Sheriff's Office, LawEnforcement Center, 1580 Hwy 55,Lobby #S-100, Hastings, MN, in saidcounty and state.Dated: August 7, 2009.

Bank of America, N.A.Mortgagee/Assignee of Mortgagee






MORTGAGOR: Jeffrey J . Zeis andJeanette F. Zeis, husband and wife.

MORTGAGEE: Mortgages Unlimited,Inc.

DATE AND PLACE OF RECORDING:Registered February 12, 2007, DakotaCounty Registrar of Titles, DocumentNo. 605859, Certificate of Title No.132524.

ASSIGNMENTS OF MORTGAGE :Assigned to: Netbank, Dated: Novem-ber 6, 2006, Recorded: February 12,2007 , Document No. 605860 . Andthereafter assigned to: Mortgage Elec-tronic Registration Systems, Inc.,Dated: June 26, 2007, Recorded: July2, 2007, Document No. 613489. Andtherea fter ass igned to: JPMorganChase Bank, N.A., Dated: October 14,2008, Recorded: November 7, 2008,Document No. T635386.Sa id Mortgage being Registered



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Mortgages Unlimited,Inc.

RESIDENTIAL MORTGAGE SER -VICER: Washington Mutual Bank

MORTGAGED PROPERTY ADDRESS:373 Runge Lane, West Saint Paul, MN55118

TAX PARCEL I.D.#: 42-56701-160-08LEGAL DESCRIPTION OF PROPERTY:Lot Sixteen (16), Block Eight (8), inParkview 2nd AdditionCOUNTY IN WHICH PROPERTY IS





PURSUANT to the power of sa lecontained in said mortgage, the abovedescribed property will be sold by the

described property will be sold by theSheriff of said county as follows:

DATE AND TIME OF SALE: July 2,2009 at 10:00 AM




Dated: April 24, 2009.JPMorgan Chase Bank, N.A.Mortgagee/Assignee of Mortgagee





M inneso ta S ta tu tes 580 .07 , thef o r e g o i n g f o r e c l o s u r e s a l e i spostponed until November 5, 2009 at10:00 am at the Sheriff's Office, LawEnforcement Center, 1580 Hwy 55,Lobby #S-100, Hastings, MN, in saidcounty and state.

Dated: August 7, 2009.JPMorgan Chase Bank, N.A.Mortgagee/Assignee of Mortgagee


INCLUDING TAXES, IF ANY, PAID BYMORTGAGEE:$192,018.11








Dated: August 7, 2009.JPMorgan Chase Bank, N.A.Mortgagee/Assignee of Mortgagee






DATE OF MORTGAGE: J u n e 2 2 ,2006

MORTGAGOR: Michael C. Svoboda, asingle person.


DATE AND PLACE OF RECORDING:Recorded Ju ly 13 , 2006 , Dako taCoun ty Recorder , Documen t No.2444992.

ASSIGNMENTS OF MORTGAGE :Assigned to: Deutsche Bank NationalTrust Company, as Trustee for FFMLTT r u s t 2 0 0 6 - F F 1 3 , M o r t g a g ePass-Through Certificates , Series2006-FF13, Dated: January 19, 2009,Recorded: January 30, 2009, Docu-ment No. 2634076.





MORTGAGED PROPERTY ADDRESS:6250 Lower 161st Street West, Rose-mount, MN 55068

TAX PARCEL I.D.#: 22-21177-010-15LEGAL DESCRIPTION OF PROPERTY:Lot 1, Block 15, Donnay's ValleyPark 8th Addition, Dakota County,Minnesota.COUNTY IN WHICH PROPERTY IS






DATE AND TIME OF SALE: May 14,2009 at 10:00 AM

PLACE OF SALE: Sher i f f 's O f f ice,Law Enforcement Center, 1580 Hwy55, Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on saidp r em i s e s , a n d t h e c o s t s a n d

p r em i s e s , a n d t h e c o s t s a n ddisbursements, including attorneys'f e e s a l l ow ed b y l aw s ub j e c t toredemption within six (6) months fromt h e d a t e o f s a i d s a l e b y t h em o r t g a g o r ( s ) , t h e i r p e r s o n a lrepresentatives or assigns.



Dated: March 16, 2009.Deutsche Bank National TrustCompany, as trusteeMortgagee/Assignee of Mortgagee


M inneso ta S ta tu tes 580 .07 , theforegoing foreclosure sale is post-poned until August 6, 2009 at 10:00am a t the She r i f f ' s O f f ice , LawEnforcement Center, 1580 Hwy 55,Lobby #S-100, Hastings, MN, in saidcounty and state.

Dated: May 11, 2009.Deutsche Bank National TrustCompany, as trusteeMortgagee/Assignee of Mortgagee


sota Statutes 580.07, the foregoingforeclosure sale is postponed untilOctober 8, 2009 at 10:00 am at theSheriff 's Office, Law EnforcementCenter, 1580 Hwy 55, Lobby #S-100,Hastings, MN, in said county and state.

Dated: August 6, 2009.Deutsche Bank National TrustCompany, as trusteeMortgagee/Assignee of Mortgagee





MORTGAGE: $147,840.00MORTGAGOR(S): Terra Watts, and

Tau Watts, wife and husbandMORTGAGEE: Mortgage Electronic


Recorded: October 18, 2005, DakotaCoun t y Reco rde r , Documen t # :2371870Transaction Agent : Mortgage Elec-

tronic Registrat ion Systems , IncTransaction Agent Mortgage Identifica-tion Number : 100025440002722798Lender or Broker : Lehman BrothersBank, FSB Residential Mortgage Ser-vicer: Aurora Loan Services, LLC Mort-gage Originator : Not Applicable

LEGAL DESCRIPTION OF PROPERTY:LOT 29, BLOCK 3, REGATTA MANORHOMES , CIC NO . 234, DAKOTACOUNTY, MINNESOTA.COUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address : 15655 Finewood

Ct Apple Valley, MN 55124Tax Parcel ID No : 01-63400-290-03AMOUNT DUE AND CLAIMED TO BE




2009, 10:00 A.M.PLACE OF SALE: Dakota County

Law Enforcement Center, 1580 High-way 55, Lobby S-100, Hastings, MNto pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-men ts , inc luding a t torneys fees

�� PUBLIC NOTICE

NOTICE OFMORTGAGE FORECLOSURE SALENOTICE IS HEREBY GIVEN that

default has occurred in the conditionsof the following described mortgage:DATE OF MORTGAGE: January 29,


MORTGAGE: $294,000.00MORTGAGOR(S): Robert J. Schmitz

and Michelle M. Schmitz, husband andwifeMORTGAGEE: Provincial BankDATE AND PLACE OF RECORDING:Recorded: April 17, 2003 Dakota

County RecorderDocument Number: 2031868ASSIGNMENTS OF MORTGAGE:And assigned to: TCF Mortgage Cor-

porationDated: January 29, 2003Recorded: April 17, 2003 Dakota

County RecorderDocument Number: 2031869And assigned to: Mortgage Electronic

Registration Systems, Inc.Dated: May 01, 2006Recorded: May 12 , 2006 Dakota

County RecorderDocument Number: 2428805And assigned to: U.S. Bank, N.A.Dated: July 16, 2009Transaction Agent: Mortgage Elec-


cation Number: 100021248001815826Lender or Broker: Provincial BankResidential Mortgage Servicer: U.S.


LOCATED: DakotaProperty Address: 19620 Ireland Pl,



ERTY: Lot 5, Block 1, Paradise Hills,Dakota County, Minnesota.AMOUNT DUE AND CLAIMED TO BE





Enforcement Center, 1580 Highway 55,Lobby S-100, Hastings, Minnesotato pay the debt secured by said mort-gage and taxes, if any, on said pre-mises and the costs and disburse-ments, including attorney fees allowedby law, subject to redemption within six(6) months from the date of said sale bythe mortgagor(s), their personal repre-sentatives or assigns.If the Mortgage is not reinstated








��

��

men ts , inc luding a t torneys feesallowed by law, subject to redemptionwithin 6 months from the date of saidsale by the mortgagor(s), their per-sonal representatives or assigns.Mortgagor(s) released from financial




THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR 'S PERSONALREPRESENTATIVES OR ASSIGNS ,MAY BE REDUCED TO FIVE WEEKS IFA JUDICIAL ORDER IS ENTEREDUNDER MINNESOTA STATUTES ,SECTION 582.032, DETERMINING,AMONG OTHER THINGS, THAT THEMOR TG AG ED P R EM I S E S A R EIMPROVED WITH A RESIDENTIALDWELLING OF LESS THAN FIVEUNITS, ARE NOT PROPERTY USED INAGRICULTURAL PRODUCTION, ANDARE ABANDONED.Dated: February 19, 2009


Wilford & GeskeAttorneys for MortgageeLawrence A. WilfordJames A. Geske7650 Currell BoulevardSuite 300Woodbury, Minnesota 55125(651)209-3300File ID: 014425-39255NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for April 9, 2009 at 10:00 a.m. has beenPostponed to May 7, 2009 at 10:00 a.m.i n t h e D a k o t a C o u n t y L a wEnforcement Center, 1580 Highway 55,Lobby S-100, in the City of Hastings insaid County and State.Dated: April 16, 2009


Wilford & GeskeLawrence A. WilfordJames A. Geske7650 Currell BoulevardSuite 300Woodbury, MN 55125Ph.: 651-209-3300File ID: 39255NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for May 7, 2009 at 10:00 a.m. has beenPostponed to June 25, 2009 at 10:00a .m . in the Dako ta Coun t y LawEnforcement Center, 1580 Highway 55,Lobby S-100, in the City of Hastings insaid County and State.Dated: May 14, 2009


Wilford & GeskeLawrence A. WilfordJames A. Geske7650 Currell BoulevardSuite 300Woodbury, MN 55125Ph.: 651-209-3300File ID: 39255NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for June 25, 2009 at 10:00 am hasbeen postponed to August 13, 2009 at10:00 am at the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, in said Countyand State.Dated: June 24, 2009


Wilford & GeskeAttorneys for MortgageeLawrence A. WilfordJames A. Geske8425 seasons parkway suite 105Woodbury, MN 55125(651) 209-3300File ID: 014425-39255NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for August 13, 2009 at 10:00 a.m. hasbeen postponed to September 17 ,2009 at 10 :00 a .m. at the DakotaCounty Law Enforcement Center, 1580Highway 55, Lobby S-100, Hastings, insaid County and State.Dated: August 13, 2009


Wilford & Geske, PAAttorneys for MortgageeLawrence A. WilfordJames A. Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125(651)209-3300Client ID: 392551852012 8/13/09





MORTGAGORS: Koe Yang and BeeVang, husband and wife.

Vang, husband and wife.MORTGAGEE: Vermillion State BankDATE AND PLACE OF RECORDING:

Recorded November 21, 2006, DakotaCoun ty Recorder , Documen t No.2477059.

ASSIGNMENTS OF MORTGAGE :Assigned to: National City Real EstateServices LLC s/b/m National City Mort-gage, Inc. f/k/a National City MortgageC o , Da t e d : N o v em b e r 8 , 2 0 0 6 ,Recorded: November 21, 2006, Docu-ment No. 2477060.



LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE: Vermillion State Bank


MORTGAGED PROPERTY ADDRESS:20625 Donnelly Avenue, Farmington,MN 55024

TAX PARCEL I.D.#: 39-03000-011-75LEGAL DESCRIPTION OF PROPERTY:The Northeast Quarter of the South-east Quarter (NE 1/4 of the SE 1/4) ofSection 30, Township 114, Range 18,Dakota County, Minnesota, exceptfor the following parcels:North 260.00 feet of the NortheastQuarter of the Southeast Quarter (NE1 /4 of the SE 1 /4) of Section 30 ,Township 114, Range 18, DakotaCounty, Minnesota.That part of the Northeast Quarter ofthe Southeast Quarter (NE 1/4 of theSE 1/4) of Section 30, Township 114,Range 18, Dakota County, Minne-sota, lying within a strip of land 100feet in width extending over andacross that part of the East Half ofthe Southeast Quarter of said Sec-tion 30 lying Northerly of the centerline of Dubarry Trail, said strip ofland being 50 feet in width on eachside of the center line of the maintrack (now removed) of the Minne-sota and Northwestern RailroadCompany (later the Chicago GreatWestern Railway Company, now theChicago and North Western Trans-portation Company), as said maintrack center l ine was or igina l lylocated and established over andacross said Section 30.That part of the Northeast Quarter ofthe Southeast Quarter (NE 1/4 of theSE 1/4) of Section 30, Township 114,R a n g e 1 8 , D a k o t a C o u n t y ,Minnesota, lying Northerly of andadjoining the above described 100foot wide strip of land and lyingSouthe r ly and Eas te r ly o f thef o l l o w i n g d e s c r i b e d l i n e :Commencing at the Northeast cornerof said Section 30; thence South 00degrees 00 minutes West (assumedbearing) along the East line of saidSection 30 a distance of 3,253.1 feetto the point of beginning of the lineherein described; thence South 25degrees 27 minutes West to a pointon the Northwesterly line of theabove described 100 foot wide stripof land, and there terminating.That part of the Northeast Quarter ofthe Southeast Quarter (NE 1/4 of theSE 1/4) of Section 30, Township 114,R a n g e 1 8 , D a k o t a C o u n t y ,Minnesota, lying Southeasterly ofthe railroad right of way.COUNTY IN WHICH PROPERTY IS



DUE AS OF DATE OF NOTICE, INCLU-D ING TAXES , I F ANY , PA ID BYMORTGAGEE: $672,084.74

That prior to the commencement ofthis mortgage foreclosure proceedingMortgagee /Ass ignee of Mortgageecomplied with all notice requirementsas required by statute; That no actionor proceeding has been instituted atlaw or otherwise to recover the debtsecured by said mortgage, or any partthereof;


DATE AND TIME OF SALE: April 28,2009 at 10:00 AM

PLACE OF SALE: Sher i f f 's O f f ice,Law Enforcement Center, 1580 Hwy55, Lobby #S-100, Hastings, MNto pay the debt then secured by saidMortgage, and taxes, if any, on saidp r em i s e s , a n d t h e c o s t s a n ddisbursements, including attorneys'f e e s a l l ow ed b y l aw s ub j e c t toredemption within twelve (12) monthsfrom the date of sa id sa le by them o r t g a g o r ( s ) , t h e i r p e r s o n a lrepresentatives or assigns.


"THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF AJUDICIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGOTHER THINGS, THAT THE MORT-GAGED PREMISES ARE IMPROVEDWITH A RESIDENTIAL DWELLING OFLESS THAN FIVE UNITS, ARE NOTPROPERTY USED IN AGRICULTURALP R O D U C T I O N , A N D A R EABANDONED."

Dated: March 3, 2009.National City Real Estate Services LLCMortgagee/Assignee of Mortgagee

USSET, WEINGARDEN AND LIEBO, P.L.L.P.By: Paul A. WeingardenAttorneys for Mortgagee/Assignee ofMortgagee4500 Park Glen Road #300Minneapolis, MN 55416(952) 925-6888

(952) 925 68884-15510004860743THIS IS A COMMUNICATION FROMA DEBT COLLECTOR.NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEPursuant to the provisions of Minne-

sota Statutes 580.07, the foregoingforeclosure sale is postponed untilAugust 11, 2009 at 10:00 am at theSheriff 's Office, Law EnforcementCenter, 1580 Hwy 55, Lobby #S-100,Hastings, MN, in said county and state.

Dated: April 22, 2009.National City Real Estate ServicesLLCMortgagee/Assignee of Mortgagee


M inneso ta S ta tu tes 580 .07 , thef o r e g o i n g f o r e c l o s u r e s a l e i spostponed until October 20, 2009 at10:00 am at the Sheriff's Office, LawEnforcement Center, 1580 Hwy 55,Lobby #S-100, Hastings, MN, in saidcounty and state.

Dated: August 7, 2009.National City Real Estate ServicesLLCMortgagee/Assignee of Mortgagee




MORTGAGE: $383,920.00MORTGAGOR (S ) : Ma t th ew H .

Wehling and Patricia Wehling, Hus-band and WifeMORTGAGEE: Mortgage Electronic


Recorded: May 30 , 2002 , Dako taCoun t y Reco rde r , Documen t # :1901030ASSIGNMENTS OF MORTGAGE: And

thereafter assigned to: CountrywideHome Loans, Inc. for the benefit ofHudson Savings Bank, Dated: April 19,2006, Recorded: April 25, 2006, Docu-ment #: 2423050And thereafter assigned to: Country-

wide Home Loans Servicing, LP, Dated:February 5, 2009Transaction Agent : Mortgage Elec-


cation Number: 100015700009614021Lender or Broker : America's Whole-

sale LenderRes ident ia l Mortgage Serv icer :

Countrywide Home LoansMortgage Originator : Not ApplicableLEGAL DESCRIPTION OF PROPERTY:Lot 8, Block 4, Evermoor, DakotaCounty, MinnesotaCOUNTY IN WHICH PROPERTY IS

LOCATED: DakotaProperty Address : 13223 Danube

Ave Rosemount, MN 55122Tax Parcel ID No : 34 25100 080 04AMOUNT DUE AND CLAIMED TO BE




2009, 10:00 A.M.PLACE OF SALE: Dakota County

Law En fo rcemen t Cen te r , 1580Highway 55, Lobby S-100, Hastings,MNto pay the deb t secured by sa idmortgage and taxes, if any, on saidp r e m i s e s a n d t h e c o s t s a n ddisbursements, including attorneysf e es a l l owed by law , sub j ec t toredemption within 6 months from thedate of said sale by the mortgagor(s),their persona l representat ives orassigns.Mortgagor(s) released from financial


DEBT COLLECTOR ATTEMPTING TOC O L L E C T A D E B T . A N YINFORMATION OBTAINED WILL BEUSED FOR THAT PURPOSE.THE RIGHT TO VERIFICATION OF


THE TIME ALLOWED BY LAW FORREDEMPTION BY THE MORTGAGOR,THE MORTGAGOR'S PERSONAL REP-RESENTATIVES OR ASSIGNS, MAY BEREDUCED TO FIVE WEEKS IF AJUDICIAL ORDER IS ENTERED UNDERMINNESOTA STATUTES , SECTION582 .032 , DETERMINING , AMONGO T H E R T H I N G S , T H A T T H EMOR TG AG ED P R EM I S E S A R E

MOR TG AG ED P R EM I S E S A R EIMPROVED WITH A RESIDENTIALDWELLING OF LESS THAN FIVEUNITS, ARE NOT PROPERTY USED INAGRICULTURAL PRODUCTION, ANDARE ABANDONED.Dated: February 19, 2009

Countrywide Home LoansServicing, LPAssignee of Mortgagee

Wilford & GeskeAttorneys for Assignee of MortgageeLawrence A. WilfordJames A. Geske7650 Currell BoulevardSuite 300Woodbury, Minnesota 55125(651)209-3300File ID: 054975-60541NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for April 9, 2009, at 10:00 A.M., hasbeen postponed to May 7, 2009, at10:00 A.M. in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, MN, in saidCounty and State.Dated: April 9, 2009

Countrywide Home LoansServicing, LP.Assignee of Mortgagee

Wilford & Geske, PAAttorneys for Assignee of MortgageeLawrence A. WilfordJames A. Geske7650 Currell Blvd., Suite 300Woodbury, MN 55125(651)209-3300Client ID: 60541NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for May 7, 2009, at 10:00 A.M., hasbeen postponed to June 18, 2009, at10:00 A.M. in the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, MN, in saidCounty and State.

Dated: May 7, 2009Coun tryw ide Home LoansServicing, LPAssignee of Mortgagee

Wilford & Geske, PAAttorneys for Assignee of MortgageeLawrence A. WilfordJames A. Geske7650 Currell Blvd., Suite 300Woodbury, MN 55125(651)209-3300Client ID: 60541NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for June 18, 2009 at 10:00 am hasbeen postponed to August 6, 2009 at10:00 am at the Dakota County LawEnforcement Center, 1580 Highway 55,Lobby S-100, Hastings, in said Countyand State.Dated: June 17, 2009

Coun tryw ide Home LoansServings, LPAssignee of Mortgage

Wilford & GeskeAttorneys for Assignee of MortgageeLawrence A. WilfordJames A. Geske8425 seasons parkway suite 105Woodbury, MN 55125(651) 209-3300Client ID: 60541NOTICE OF POSTPONEMENT OFMORTGAGE FORECLOSURE SALEThe above referenced sale scheduled

for August 6, 2009 at 10:00 a.m. hasbeen postponed to September 17 ,2009 at 10 :00 a .m. at the DakotaCounty Law Enforcement Center, 1580Highway 55, Lobby S-100, Hastings, insaid County and State.Dated: August 6, 2009

Coun tryw ide Home LoansServicing, LPAssignee of Mortgagee

Wilford & Geske, PAAttorneys for MortgageeLawrence A. WilfordJames A. Geske8425 Seasons Parkway, Suite 105Woodbury, MN 55125(651)209-3300Client ID: 605411851934 8/13/09





MORTGAGOR: John A. Theodore, asingle man.

MORTGAGEE: J PM o r g a n C h a s eBank, N.A. as successor to Washing-ton Mutual Bank, F.A

DATE AND PLACE OF RECORDING:Registered September 7, 2001, DakotaCounty Registrar of Titles, DocumentNo. 447671, Certificate of Title No.116948.




LENDER OR BROKER AND MORT-GAGE ORIGINATOR STATED ONMORTGAGE : Washington Mutua lBank, F.A.

RESIDENTIAL MORTGAGE SER -VICER: Washington Mutual Bank

MORTGAGED PROPERTY ADDRESS:14630 Garrett Avenue Unit 505, AppleValley, MN 55124

TAX PARCEL I.D. #: 018140116101LEGAL DESCRIPTION OF PROPERTY:Residential Unit No. 505, and garage

Residential Unit No. 505, and garageUnit No. 27 in Condominium No. 36,Garrett Square Condominium HomesCOUNTY IN WHICH PROPERTY IS






DATE AND TIME OF SALE: February17, 2009 at 10:00 AM




Dated: December 10, 2008.JPMorgan Chase Bank, N.A.Mortgagee/Assignee of Mortgagee


M inneso ta S ta tu tes 580 .07 , thef o r e g o i n g f o r e c l o s u r e s a l e i spostponed until April 14, 2009 at 10:00am a t the She r i f f ' s O f f ice , LawEnforcement Center, 1580 Hwy 55,Lobby #S-100, Hastings, MN, in saidcounty and state.

Dated: February 16, 2009.Washington Mutual BankMortgagee/Assignee of Mortgagee



Dated: April 13, 2009.Washington Mutual BankMortgagee/Assignee of Mortgagee


M inneso ta S ta tu tes 580 .07 , thef o r e g o i n g f o r e c l o s u r e s a l e i spostponed until September 29, 2009 at10:00 am at the Sheriff's Office, LawEnforcement Center, 1580 Hwy 55,Lobby #S-100, Hastings, MN, in saidcounty and state.

Dated: August 7, 2009.JPMorgan Chase Bank, N.A. assuccessor to Washington MutualBankMortgagee/Assignee of Mortgagee



be the heart of the city and that Galaxie and 153rd Street would be the focus, but that hasn’t happened.” Petersburg said she thinks Dunn Bros would have remained open had the developments made more progress. Petersburg said she is un-sure whether Central Village will ever be fully developed. “It seems completely stalled, but it depends upon how they handle it from now on,” she said.

‘In process’ Apple Valley Mayor Mary Hamann-Roland said she disagrees with the notion that Legacy and Founders Circle are permanently on hold. “It’s in process,” she said. “We all hope that it will happen over night, but in the end I think it is some-thing we have to be patient with.” She said the recession, not the delays within Cen-tral Village, is responsible for businesses’ plight. If Apple Valley residents make a commitment to buy locally, businesses within Central Village will begin to thrive, Hamann-Roland said. “When we put our minds to something … and work together, we can create posi-tive results,” she said. She said more customers will come to the area now that the road construction is completed. Hamann-Roland said she also disagrees with the no-tion that Central Village is isolated, and pointed to the fact that the area is within a fourth of a mile from several major roads such as County Road 42. Hamann-Roland said she does not regret approv-ing the project. “In the end, I think it was the right thing to do to build a walkable downtown,” she said.

Meeting the goal In general, downtown de-velopment projects like Cen-tral Village can be success-ful, but making this happen in a recession is challenging, said Caren Dewar, executive director of the Urban Land

Institute. “With the market on hold, the financing is not available,” she said. However, with the right planning and implementa-tion, a downtown develop-ment can still be done. The key to any project is design, Dewar said. Communities that are walkable and feature mul-tiple options are most suc-cessful, she said. Ideally, residential and retail buildings should be completed at the same time to present a “complete pack-age,” Dewar said. Nearby Burnsville was able to achieve this goal in its Heart of the City, which has retail and residential as well as a performing arts center. Other communities such as Rosemount and Lakeville took a slightly different ap-proach by redeveloping an existing shopping and resi-dential area. If either residential or commercial must come be-fore the other, residential should be first, Dewar said. “If you put retail in an area where there’s not much residential, then the retail will not stay there,” she said. “They need to see it. You can’t just say there will be lots of people.” This is where local busi-ness owners feel Apple Val-ley’s Central Village came up short.

Signs of hope Despite the setbacks, there is a glimmer of hope for Central Village. Several businesses such as Kami Japanese Steakhouse, Thrivent Financial and oth-ers have managed to stay open in Shops on Galaxie. At the same time, several old and new businesses re-cently opened. Former Dunn Bros cus-tomer Lisa Anderson re-opened the coffee shop at 15265 Galaxie Ave. last July. Anderson said she’s confident the shop will be successful the second time around. “Business is better than I predicted and is picking up every day,” she said. Dunn Bros is not the only business to open in Central Village this year. Mainstreet Boutique opened in Shops on Galaxie and Ramy’s Mediterranean Cuisine Pizzeria opened in the former Two Guys from Italy space. Ramy’s Mediterranean Cuisine Pizzeria owner Rachie Ramy said his busi-ness is already profitable and growing daily. Ramy said he doesn’t worry that the project delays in Central Village will nega-tively affect his business. He said he thinks by fill-ing a niche, Ramy’s can help the area become successful. “I think we brought light to this circle of death,” he said.

Jessica Harper is at [email protected].

Council. Representatives from the Hartford Group and Ped-ersen Ventures declined to comment for this story.

Waiting game Today the Legacy South project is well on its way to completion, but Legacy North and Founders Circle are at a stand-still. In the Legacy South de-velopment, the Hartford Group completed 75,000 square feet of commercial space, 105 townhomes and 36 apartments. The developer plans to begin work this fall on a 136-unit senior housing complex called Regent Senior Living. Although much of the Legacy South project is con-structed, it had its share of problems along the way. Plans for a 244-unit apart-ment building and a 14,000-square-foot child care center never came to fruition. Legacy North has made even less progress and is nothing more than empty lots. Founders Circle is also largely unfinished except for the Grand Stay Hotel. However, all three devel-opments are still a “viable plan,” Apple Valley Assis-tant City Planner Margaret Dykes said. “It was a 10-year plan,” Dykes said. “There was a thought that all of this would happen in five years, and that’s a lot to take on in the best of environments.”

Hard times Local business owners say more should have been com-pleted by now. “I expected that it would be a large development of single-family and multi-family homes with an active shopping mall,” Shimek said. “That didn’t materialize.” With much of the project on hold, the area has become isolated, he said. Although Enjoy has man-aged to continue operating, the business is “barely hang-ing on,” he said.

Enjoy has been profitable in the past, but not consis-tently, Shimek said. “We are definitely not where we need to be in that regard,” he said. “At the cur-rent level of business, it’s not profitable.” Business became especial-ly slow when 153rd Street and a temporary Founders Lane were under construc-tion in 2004 and 2005. Although the road proj-ects are completed, things are no better, Shimek said. “It’s a very poor set up,” he said. Shimek admits the proj-ect is not the only reason his business has fallen on hard times, and that the recession is another contributing fac-tor. Shimek said he was able to beat the tide by investing his own money into the res-taurant, altering his business model and simply waiting out the storm. “However, this is not a sustainable model,” he said. “For long-term sustainabil-ity, some things need to hap-pen with the development.” The area needs to be bet-ter advertised for businesses to succeed in Central Village while construction is stalled, he said. “I think in the meantime, the city and business partners need to work closely together to create more awareness for what’s there and how to get there,” he said. Despite the harsh blow, Shimek remains optimistic about the future of Central Village. “I think there’s potential,” he said. “I think the mayor and the city had a vision as to how it was going to de-velop. Obviously the timing isn’t good for that to be tak-ing place, but I think it can.” Enjoy is one of the few original businesses to survive in Central Village. Former Dunn Bros Cof-fee Shop franchisee owner Sheryl Petersburg is one en-trepreneur who had to close in April after seven years in business. Petersburg primar-ily blames the development

delays and the 153rd Street project for her business fail-ing. “I lost a third of my busi-ness from the construction of the one-way,” she said. Dunn Bros’s annual rev-enue dropped by about 30 percent between 2004 and 2009, she said. Once the road work was finished, drivers were con-

fused by the configuration, Petersburg said. “People avoided coming here because it was such a mess,” she said. Petersburg said she thought of selling, but said she decided to close instead when she saw her 2008 first-quarter figures. “It’s a lemon,” she said. “The landlord said it would

Recession from Page 1A


The Grand Stay Hotel is the only piece of the Founders Circle development to be com-pleted. Plans also included a retail building called The Village and 517 condominiums.

Photos by Jessica Harper

The Shops on Galaxie is part of the Hartford Group’s Leg-acy South project in Apple Valley’s Central Village. While the surrounding Founders Circle and Legacy projects stalled, several businesses closed in the complex. Today, several spaces in the building remain vacant.

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08/13/2009 - Dakota County Tribune Business Weekly

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