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NOTICE OF MORTGAGE FORECLOSURE SALE

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THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: April 17, 2019 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $277,500.00 MORTGAGOR(S): Ronald D. Herrmann, unmarried MORTGAGEE: Mortgage Electronic Registration Systems, Inc., as nominee for American Advisors Group DATE AND PLACE OF FILING: Recorded on April 29, 2019 as Document Number A04754509 in the Office of the County Recorder of Ramsey County, Minnesota. ASSIGNMENTS OF MORTGAGE: Assigned to: Carrington Mortgage Services, LLC by assignment recorded on July 15, 2025 as Document Number A05071993 in the Office of the County Recorder of Ramsey County, Minnesota. LEGAL DESCRIPTION OF PROPERTY: All the real property in Ramsey County, Minnesota described as follows: Lot 19, Block 1, Ridgewood 3rd Addition, Ramsey County, Minnesota. STREET ADDRESS OF PROPERTY: 659 BELLAND AVE, VADNAIS HEIGHTS, MN 55127 COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey County, Minnesota. THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $37,152.35 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. NAME OF MORTGAGE ORIGINATOR: American Advisors Group RESIDENTIAL SERVICER: Celink TAX PARCEL IDENTIFICATION NUMBER: 323022420146 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: 100940000096620985 THAT no action or proceeding has been instituted at law to recover the debt then remaining secured by such mortgage, or any part thereof, or, if the action or proceeding has been instituted, that the same has been discontinued, or that an execution upon the judgment rendered therein has been returned unsatisfied, in whole or in part. PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 16, 2025 at 10:00 AM. PLACE OF SALE: Ramsey County Sheriff's Office, 360 Wabasha St. N., Suite 111, St. Paul, MN 55102. to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is twelve (12) months from the date of sale. TIME AND DATE TO VACATE PROPERTY: Unless said mortgage is reinstated or the property redeemed, or unless the time for redemption is reduced by judicial order, you must vacate the premises by 11:59 p.m. on December 16, 2026. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None Dated: October 13, 2025 CARRINGTON MORTGAGE SERVICES, LLC Mortgagee TROTT LAW, P.C. By: /s/ *N. Kibongni Fondungallah, Esq.* Samuel R. Coleman, Esq. Alexa Marsh, Esq. Attorneys for Mortgagee 25 Dale Street North St. Paul, MN 55102 (651) 209-9760 (25-1001-FC01) THIS IS A COMMUNICATION FROM A DEBT COLLECTOR.
10/17, 10/24, 10/31, 11/7, 11/14, 11/21/25 Star Tribune
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NOTICE OF MORTGAGE FORECLOSURE SALE

NOTICE OF MORTGAGE FORECLOSURE SALE

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. Notice is hereby given that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: September 14, 2016 MORTGAGOR: Zachary Drew Saman-Neft, a married person MORTGAGEE: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR SUMMIT MORTGAGE CORPORATION DATE AND PLACE OF RECORDING: Recorded: October 31, 2016 Wright County Recorder Document #: A1328344 Said mortgage was modified by a loan modification agreement dated September 13, 2024 and recorded November 5, 2024, with document number A1564382 ASSIGNMENTS OF MORTGAGE: Said mortgage was assigned to NewRez LLC d/b/a Shellpoint Mortgage Servicing on July 10, 2020 and said assignment was recorded on April 26, 2021 and given document number A1467792. LEGAL DESCRIPTION OF PROPERTY: BEGIN AT THE NORTHEAST CORNER OF BLOCK "G" IN GORMAN'S ADDITION TO THE VILLAGE OF BUFFALO, THENCE WEST ON THE NORTH LINE OF SAID BLOCK "G", 80 FEET FOR THE STARTING POINT OF DESCRIPTION OF LAND CONVEYED; THENCE FROM SAID STARTING POINT WEST 80 FEET ON THE NORTH LINE OF SAID BLOCK "G", THENCE SOUTH 100 FEET, THENCE EAST ON A LINE PARALLEL TO THE NORTH LINE OF SAID BLOCK "G", 80 FEET, THENCE NORTH TO THE SAID STARTING POINT 100 FEET, WRIGHT COUNTY, MINNESOTA PARCEL ID #: 103.030.000040 PROPERTY ADDRESS: 408 8th Street NE, Buffalo, Minnesota 55313 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT ID NO.: 100061907000570143 LENDER OR BROKER: SUMMIT MORTGAGE CORPORATION RESIDENTIAL MORTGAGE ORIGINATOR: N/A CURRENT MORTGAGE SERVICER: NewRez LLC d/b/a Shellpoint Mortgage Servicing COUNTY IN WHICH PROPERTY IS LOCATED: Wright ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $157,102.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY PAID BY MORTGAGEE: $153,740.88 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; that no Mortgagors have been released from financial obligation on said Mortgage; that no action or proceeding has been instituted by law to recover that debt secured by said Mortgage, or any part thereof; that all conditions precedent to foreclose of the Mortgage and acceleration of the debt secures thereby have been fulfilled; PURSUANT to the power of sale therein contained, said Mortgage will be foreclosed and the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 4, 2025 at 10:00 am PLACE OF SALE: Wright County Sheriff's Office, Wright County Law Enforcement Center, 3800 Braddock Avenue NE, Buffalo, MN 55313 to pay the debt the debt then secured by the Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law, subject to redemption within six (6) months from the date of sale by the mortgagor, their personal representatives or assigns. DATE TO VACATE PROPERTY: The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statutes section 580.30 of the property redeemed under Minnesota Statutes sections 580.23 is June 4, 2026 at 11:59 p.m. If the foregoing date is Saturday, Sunday, or a legal holiday, then the date to vacate is the next business day at 11:59 p.m. MORTGAGOR RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Dated: October 17, 2025 NewRez LLC d/b/a Shellpoint Mortgage Servicing Mortgagee Robert A. Blumberg Minnesota State Bar No. 0506226 Johnson, Blumberg & Associates, LLC 30 N. LaSalle St., Suite 3650 Chicago, Illinois 60602 Ph. 312-541-9710 Fax 312-541-9711
10/17, 10/24, 10/31, 11/7, 11/14, 11/21/25 Star Tribune

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. Notice is hereby given that default has occurred in conditions of the following described mortgage: DATE OF MORTGAGE: September 14, 2016 MORTGAGOR: Zachary Drew Saman-Neft, a married person MORTGAGEE: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., AS NOMINEE FOR SUMMIT MORTGAGE CORPORATION DATE AND PLACE OF RECORDING: Recorded: October 31, 2016 Wright County Recorder Document #: A1328344 Said mortgage was modified by a loan modification agreement dated September 13, 2024 and recorded November 5, 2024, with document number A1564382 ASSIGNMENTS OF MORTGAGE: Said mortgage was assigned to NewRez LLC d/b/a Shellpoint Mortgage Servicing on July 10, 2020 and said assignment was recorded on April 26, 2021 and given document number A1467792. LEGAL DESCRIPTION OF PROPERTY: BEGIN AT THE NORTHEAST CORNER OF BLOCK "G" IN GORMAN'S ADDITION TO THE VILLAGE OF BUFFALO, THENCE WEST ON THE NORTH LINE OF SAID BLOCK "G", 80 FEET FOR THE STARTING POINT OF DESCRIPTION OF LAND CONVEYED; THENCE FROM SAID STARTING POINT WEST 80 FEET ON THE NORTH LINE OF SAID BLOCK "G", THENCE SOUTH 100 FEET, THENCE EAST ON A LINE PARALLEL TO THE NORTH LINE OF SAID BLOCK "G", 80 FEET, THENCE NORTH TO THE SAID STARTING POINT 100 FEET, WRIGHT COUNTY, MINNESOTA PARCEL ID #: 103.030.000040 PROPERTY ADDRESS: 408 8th Street NE, Buffalo, Minnesota 55313 TRANSACTION AGENT: Mortgage Electronic Registration Systems, Inc. TRANSACTION AGENT ID NO.: 100061907000570143 LENDER OR BROKER: SUMMIT MORTGAGE CORPORATION RESIDENTIAL MORTGAGE ORIGINATOR: N/A CURRENT MORTGAGE SERVICER: NewRez LLC d/b/a Shellpoint Mortgage Servicing COUNTY IN WHICH PROPERTY IS LOCATED: Wright ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $157,102.00 AMOUNT DUE AND CLAIMED TO BE DUE AS OF DATE OF NOTICE, INCLUDING TAXES, IF ANY PAID BY MORTGAGEE: $153,740.88 That prior to the commencement of this mortgage foreclosure proceeding Mortgagee/Assignee of Mortgagee complied with all notice requirements as required by statute; that no Mortgagors have been released from financial obligation on said Mortgage; that no action or proceeding has been instituted by law to recover that debt secured by said Mortgage, or any part thereof; that all conditions precedent to foreclose of the Mortgage and acceleration of the debt secures thereby have been fulfilled; PURSUANT to the power of sale therein contained, said Mortgage will be foreclosed and the above-described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 4, 2025 at 10:00 am PLACE OF SALE: Wright County Sheriff's Office, Wright County Law Enforcement Center, 3800 Braddock Avenue NE, Buffalo, MN 55313 to pay the debt the debt then secured by the Mortgage, and taxes, if any, on said premises, and the costs and disbursements, including attorneys' fees allowed by law, subject to redemption within six (6) months from the date of sale by the mortgagor, their personal representatives or assigns. DATE TO VACATE PROPERTY: The date on or before which the mortgagor must vacate the property if the mortgage is not reinstated under Minnesota Statutes section 580.30 of the property redeemed under Minnesota Statutes sections 580.23 is June 4, 2026 at 11:59 p.m. If the foregoing date is Saturday, Sunday, or a legal holiday, then the date to vacate is the next business day at 11:59 p.m. MORTGAGOR RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. THIS COMMUNICATION IS FROM A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Dated: October 17, 2025 NewRez LLC d/b/a Shellpoint Mortgage Servicing Mortgagee Robert A. Blumberg Minnesota State Bar No. 0506226 Johnson, Blumberg & Associates, LLC 30 N. LaSalle St., Suite 3650 Chicago, Illinois 60602 Ph. 312-541-9710 Fax 312-541-9711
10/17, 10/24, 10/31, 11/7, 11/14, 11/21/25 Star Tribune

Posted Online 4 weeks ago
Featured

NOTICE OF MORTGAGE FORECLOSURE SALE

NOTICE OF MORTGAGE FORECLOSURE SALE

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: November 30, 2015 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $174,807.00 MORTGAGOR(S): Jeremiah T. Gillespie, a single person MORTGAGEE: Wells Fargo Bank, N.A. DATE AND PLACE OF FILING: Recorded on December 2, 2015 as Document Number A1303236 in the Office of the County Recorder of Wright County, Minnesota. ASSIGNMENTS OF MORTGAGE: Assigned to: Freedom Mortgage Corporation by assignment recorded on July 24, 2025 as Document Number A1581751 in the Office of the County Recorder of Wright County, Minnesota. LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 1, Carrigan Meadows, Wright County, Minnesota. STREET ADDRESS OF PROPERTY: 211 DRESDEN ALCOVE, WAVERLY, MN 55390 COUNTY IN WHICH PROPERTY IS LOCATED: Wright County, Minnesota. THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $149,389.05 TRANSACTION AGENT: None NAME OF MORTGAGE ORIGINATOR: Wells Fargo Bank, N.A. RESIDENTIAL SERVICER: Freedom Mortgage Corporation TAX PARCEL IDENTIFICATION NUMBER: RP116-025-001060 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: None THAT no action or proceeding has been instituted at law to recover the debt then remaining secured by such mortgage, or any part thereof, or, if the action or proceeding has been instituted, that the same has been discontinued, or that an execution upon the judgment rendered therein has been returned unsatisfied, in whole or in part. PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 09, 2025 at 10:00 AM. PLACE OF SALE: Wright County Sheriff's Office, 3800 Braddock Ave. NE, Buffalo, MN 55313. to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is six (6) months from the date of sale. TIME AND DATE TO VACATE PROPERTY: Unless said mortgage is reinstated or the property redeemed, or unless the time for redemption is reduced by judicial order, you must vacate the premises by 11:59 p.m. on June 9, 2026. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None Dated: October 14, 2025 FREEDOM MORTGAGE CORPORATION Mortgagee TROTT LAW, P.C. By: *N. Kibongni Fondungallah, Esq.* Samuel R. Coleman, Esq. Alexa Marsh, Esq. Attorneys for Mortgagee 25 Dale Street North St. Paul, MN 55102 (651) 209-9760 (25-1093-FC01) THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 10/17, 10/24, 10/31, 11/7, 11/14, 11/21/2025 Star Tribune

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: November 30, 2015 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $174,807.00 MORTGAGOR(S): Jeremiah T. Gillespie, a single person MORTGAGEE: Wells Fargo Bank, N.A. DATE AND PLACE OF FILING: Recorded on December 2, 2015 as Document Number A1303236 in the Office of the County Recorder of Wright County, Minnesota. ASSIGNMENTS OF MORTGAGE: Assigned to: Freedom Mortgage Corporation by assignment recorded on July 24, 2025 as Document Number A1581751 in the Office of the County Recorder of Wright County, Minnesota. LEGAL DESCRIPTION OF PROPERTY: Lot 6, Block 1, Carrigan Meadows, Wright County, Minnesota. STREET ADDRESS OF PROPERTY: 211 DRESDEN ALCOVE, WAVERLY, MN 55390 COUNTY IN WHICH PROPERTY IS LOCATED: Wright County, Minnesota. THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $149,389.05 TRANSACTION AGENT: None NAME OF MORTGAGE ORIGINATOR: Wells Fargo Bank, N.A. RESIDENTIAL SERVICER: Freedom Mortgage Corporation TAX PARCEL IDENTIFICATION NUMBER: RP116-025-001060 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: None THAT no action or proceeding has been instituted at law to recover the debt then remaining secured by such mortgage, or any part thereof, or, if the action or proceeding has been instituted, that the same has been discontinued, or that an execution upon the judgment rendered therein has been returned unsatisfied, in whole or in part. PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 09, 2025 at 10:00 AM. PLACE OF SALE: Wright County Sheriff's Office, 3800 Braddock Ave. NE, Buffalo, MN 55313. to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is six (6) months from the date of sale. TIME AND DATE TO VACATE PROPERTY: Unless said mortgage is reinstated or the property redeemed, or unless the time for redemption is reduced by judicial order, you must vacate the premises by 11:59 p.m. on June 9, 2026. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None Dated: October 14, 2025 FREEDOM MORTGAGE CORPORATION Mortgagee TROTT LAW, P.C. By: *N. Kibongni Fondungallah, Esq.* Samuel R. Coleman, Esq. Alexa Marsh, Esq. Attorneys for Mortgagee 25 Dale Street North St. Paul, MN 55102 (651) 209-9760 (25-1093-FC01) THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. 10/17, 10/24, 10/31, 11/7, 11/14, 11/21/2025 Star Tribune

Posted Online 4 weeks ago
Featured

NOTICE OF MORTGAGE FORECLOSURE SALE

NOTICE OF MORTGAGE FORECLOSURE SALE

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 22, 2014 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $35,010.00 MORTGAGOR(S): Colleen M. Payette, unmarried MORTGAGEE: Wells Fargo Bank, N.A. DATE AND PLACE OF FILING: Recorded on October 9, 2014 and memorialized upon Certificate of Title No. 599116 as Document Number T02514734 in the Office of the County Registrar of Titles of Ramsey County, Minnesota. ASSIGNMENTS OF MORTGAGE: Assigned to: None. LEGAL DESCRIPTION OF PROPERTY: Real property in Ramsey County, Minnesota, legally described as follows: That part of Lot 14 lying West of the East 35 feet of Lot 14; Lots 15 and 16; all in Block 16, Town of Bald Eagle, subject to a reservation by the State of Minnesota of all mineral and mineral rights. Covers Lot 16. Together with all hereditaments and appurtenances belonging thereto. REGISTERED PROPERTY STREET ADDRESS OF PROPERTY: 2082 STILLWATER ST, WHITE BEAR TOWNSHIP, MN 55110 COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey County, Minnesota. THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $31,442.02 TRANSACTION AGENT: None NAME OF MORTGAGE ORIGINATOR: Wells Fargo Bank, N.A. RESIDENTIAL SERVICER: Wells Fargo Bank, N.A. TAX PARCEL IDENTIFICATION NUMBER: 113022420055 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: None THAT no action or proceeding has been instituted at law to recover the debt then remaining secured by such mortgage, or any part thereof, or, if the action orthat the same has been discontinued, or that an execution upon the judgment rendered therein has been returned unsatisfied, in whole or in part. PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 09, 2025 at 10:00 AM. PLACE OF SALE: Ramsey County Sheriff's Office, 360 Wabasha St. N., Suite 111, St. Paul, MN 55102. to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is six (6) months from the date of sale. TIME AND DATE TO VACATE PROPERTY: Unless said mortgage is reinstated or the property redeemed, or unless the time for redemption is reduced by judicial order, you must vacate the premises by 11:59 p.m. on June 9, 2026. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None Dated: October 13, 2025 WELLS FARGO BANK, N.A. Mortgagee TROTT LAW, P.C. By: /s/ *N. Kibongni Fondungallah, Esq.* Samuel R. Coleman, Esq. Alexa Marsh, Esq. Attorneys for Mortgagee 25 Dale Street North St. Paul, MN 55102 (651) 209-9760 (25-1060-FC01) THIS IS A COMMUNICATION FROM A DEBT COLLECTOR
10/16, 10/23, 10/30, 11/6, 11/13, 11/20/2025 Star Tribune

THE RIGHT TO VERIFICATION OF THE DEBT AND IDENTITY OF THE ORIGINAL CREDITOR WITHIN THE TIME PROVIDED BY LAW IS NOT AFFECTED BY THIS ACTION. NOTICE IS HEREBY GIVEN: That default has occurred in the conditions of the following described mortgage: DATE OF MORTGAGE: September 22, 2014 ORIGINAL PRINCIPAL AMOUNT OF MORTGAGE: $35,010.00 MORTGAGOR(S): Colleen M. Payette, unmarried MORTGAGEE: Wells Fargo Bank, N.A. DATE AND PLACE OF FILING: Recorded on October 9, 2014 and memorialized upon Certificate of Title No. 599116 as Document Number T02514734 in the Office of the County Registrar of Titles of Ramsey County, Minnesota. ASSIGNMENTS OF MORTGAGE: Assigned to: None. LEGAL DESCRIPTION OF PROPERTY: Real property in Ramsey County, Minnesota, legally described as follows: That part of Lot 14 lying West of the East 35 feet of Lot 14; Lots 15 and 16; all in Block 16, Town of Bald Eagle, subject to a reservation by the State of Minnesota of all mineral and mineral rights. Covers Lot 16. Together with all hereditaments and appurtenances belonging thereto. REGISTERED PROPERTY STREET ADDRESS OF PROPERTY: 2082 STILLWATER ST, WHITE BEAR TOWNSHIP, MN 55110 COUNTY IN WHICH PROPERTY IS LOCATED: Ramsey County, Minnesota. THE AMOUNT CLAIMED TO BE DUE ON THE MORTGAGE ON THE DATE OF THE NOTICE: $31,442.02 TRANSACTION AGENT: None NAME OF MORTGAGE ORIGINATOR: Wells Fargo Bank, N.A. RESIDENTIAL SERVICER: Wells Fargo Bank, N.A. TAX PARCEL IDENTIFICATION NUMBER: 113022420055 TRANSACTION AGENT'S MORTGAGE IDENTIFICATION NUMBER: None THAT no action or proceeding has been instituted at law to recover the debt then remaining secured by such mortgage, or any part thereof, or, if the action orthat the same has been discontinued, or that an execution upon the judgment rendered therein has been returned unsatisfied, in whole or in part. PURSUANT, to the power of sale contained in said mortgage, the above described property will be sold by the Sheriff of said county as follows: DATE AND TIME OF SALE: December 09, 2025 at 10:00 AM. PLACE OF SALE: Ramsey County Sheriff's Office, 360 Wabasha St. N., Suite 111, St. Paul, MN 55102. to pay the debt then secured by said mortgage and taxes, if any actually paid by the mortgagee, on the premises and the costs and disbursements allowed by law. The time allowed by law for redemption by said mortgagor(s), their personal representatives or assigns is six (6) months from the date of sale. TIME AND DATE TO VACATE PROPERTY: Unless said mortgage is reinstated or the property redeemed, or unless the time for redemption is reduced by judicial order, you must vacate the premises by 11:59 p.m. on June 9, 2026. THE TIME ALLOWED BY LAW FOR REDEMPTION BY THE MORTGAGOR, THE MORTGAGOR'S PERSONAL REPRESENTATIVES OR ASSIGNS, MAY BE REDUCED TO FIVE WEEKS IF A JUDICIAL ORDER IS ENTERED UNDER MINNESOTA STATUTES, SECTION 582.032, DETERMINING, AMONG OTHER THINGS, THAT THE MORTGAGED PREMISES ARE IMPROVED WITH A RESIDENTIAL DWELLING OF LESS THAN FIVE UNITS, ARE NOT PROPERTY USED IN AGRICULTURAL PRODUCTION, AND ARE ABANDONED. MORTGAGOR(S) RELEASED FROM FINANCIAL OBLIGATION ON MORTGAGE: None Dated: October 13, 2025 WELLS FARGO BANK, N.A. Mortgagee TROTT LAW, P.C. By: /s/ *N. Kibongni Fondungallah, Esq.* Samuel R. Coleman, Esq. Alexa Marsh, Esq. Attorneys for Mortgagee 25 Dale Street North St. Paul, MN 55102 (651) 209-9760 (25-1060-FC01) THIS IS A COMMUNICATION FROM A DEBT COLLECTOR
10/16, 10/23, 10/30, 11/6, 11/13, 11/20/2025 Star Tribune

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