This document contains two notices of mortgage foreclosure sales. The first notice provides details of a foreclosure sale occurring on March 17, 2016 of a property located at 110-112 Bloomington Avenue in Morgan, MN. The second notice provides details of a foreclosure sale also occurring on March 17, 2016 of a property located at 508 South Washington Street in Redwood Falls, MN. Both notices include information such as the mortgage originator, amounts due, legal descriptions of the properties, and redemption timelines.

1. 10 | Monday, January 25, 2016 | Redwood Gazette | redwoodfallsgazette.com
OFFICIAL PUBLICATION
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: July 31, 2007
MORTGAGOR: Michael M. Morse, a sin-
gle person and Galyn G. Minkel Sr. a mar-
ried person and Ruby A. Minkel, a married
person.
MORTGAGEE: Mortgage Electronic
Registration Systems, Inc.
DATE AND PLACE OF RECORDING:
Recorded August 1, 2007 Redwood County
Recorder, Document No. A324781.
ASSIGNMENTS OF MORTGAGE:
Assigned to: JPMorgan Chase Bank,
National Association. Dated March 1, 2012
Recorded March 30, 2012, as Document No.
A340785.
TRANSACTION AGENT: Mortgage
Electronic Registration Systems, Inc.
TRANSACTION AGENT'S MORTGAGE
IDENTIFICATION NUMBER ON MORT-
GAGE: 100073981916477012
LENDER OR BROKER AND MORTGAGE
ORIGINATOR STATED ON MORTGAGE:
Bremer Bank, National Association
RESIDENTIAL MORTGAGE SERVICER:
JPMorgan Chase Bank, National
Association
MORTGAGED PROPERTY ADDRESS:
110-112 Bloomington Avenue, Morgan, MN
56266
TAX PARCEL I.D. #: 86-200-0140 and 86-
200-0180
LEGAL DESCRIPTION OF PROPERTY:
Lots 11, 12, 13 and 14, in Block 2 of the
Original Plat of the City of Morgan
COUNTY IN WHICH PROPERTY IS
LOCATED: Redwood
ORIGINAL PRINCIPAL AMOUNT OF
MORTGAGE: $59,050.00
AMOUNT DUE AND CLAIMED TO BE
DUE AS OF DATE OF NOTICE, INCLUD-
ING TAXES, IF ANY, PAID BY MORT-
GAGEE:$54,301.62
That prior to the commencement of this
mortgage foreclosure proceeding
Mortgagee/Assignee of Mortgagee complied
with all notice requirements as required by
statute; That no action or proceeding has
been instituted at law or otherwise to recov-
er the debt secured by said mortgage, or any
part thereof;
PURSUANT to the power of sale con-
tained in said mortgage, the above
described property will be sold by the Sheriff
of said county as follows:
DATE AND TIME OF SALE: March 17,
2016 at 10:00 AM
PLACE OF SALE: Sheriff's Office, Law
Enforcement Center, Lobby, 303 East 3rd,
Redwood Falls, MN
to pay the debt then secured by said
Mortgage, and taxes, if any, on said premis-
es, and the costs and disbursements,
including attorneys' fees allowed by law sub-
ject to redemption within six (6) months
from the date of said sale by the mort-
gagor(s), their personal representatives or
assigns unless reduced to Five (5) weeks
under MN Stat. §580.07.
TIME AND DATE TO VACATE PROPER-
TY: If the real estate is an owner-occupied,
single-family dwelling, unless otherwise pro-
vided by law, the date on or before which the
mortgagor(s) must vacate the property if the
mortgage is not reinstated under section
580.30 or the property is not redeemed
under section 580.23 is 11:59 p.m. on
September 19, 2016, unless that date falls
on a weekend or legal holiday, in which case
it is the next weekday, and unless the
redemption period is reduced to 5 weeks
under MN Stat. Secs. 580.07 or 582.032.
MORTGAGOR(S) RELEASED FROM
FINANCIAL OBLIGATION ON MORT-
GAGE:None
"THE TIME ALLOWED BY LAW FOR
REDEMPTION BY THE MORTGAGOR,
THE MORTGAGOR'S PERSONAL REPRE-
SENTATIVES OR ASSIGNS, MAY BE
REDUCED TO FIVE WEEKS IF A JUDICIAL
ORDER IS ENTERED UNDER MINNESO-
TA STATUTES, SECTION 582.032, DETER-
MINING, AMONG OTHER THINGS, THAT
THE MORTGAGED PREMISES ARE
IMPROVED WITH A RESIDENTIAL
DWELLING OF LESS THAN FIVE UNITS,
ARE NOT PROPERTY USED IN AGRICUL-
TURAL PRODUCTION, AND ARE ABAN-
DONED."
Dated: January 14, 2016
JPMorgan Chase Bank,
National Association
Mortgagee/Assignee of Mortgagee
USSET, WEINGARDEN AND
LIEBO, P.L.L.P.
Attorneys for Mortgagee/Assignee
of Mortgagee
4500 Park Glen Road #300
Minneapolis, MN 55416
(952) 925-6888
30 - 15-010037 FC
THIS IS A COMMUNICATION
FROM A DEBT COLLECTOR.
Published in the Redwood Gazette
January 25, February 1, 8, 15, 22 & 29,
2016.
OFFICIAL PUBLICATION
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: March 6, 2009
MORTGAGOR: Tanar D. Kerkhoff and
Courtney D. Shaw, husband and wife.
MORTGAGEE: Bremer Bank, National
Association.
DATE AND PLACE OF RECORDING:
Recorded March 9, 2009 Redwood County
Recorder, Document No. A330281.
ASSIGNMENTS OF MORTGAGE:
Assigned to: JPMorgan Chase Bank,
National Association. Dated March 6, 2009
Recorded March 9, 2009, as Document No.
A330282.
TRANSACTION AGENT: NONE
TRANSACTION AGENT'S MORTGAGE
IDENTIFICATION NUMBER ON MORT-
GAGE: NONE
LENDER OR BROKER AND MORTGAGE
ORIGINATOR STATED ON MORTGAGE:
Bremer Bank, National Association
RESIDENTIAL MORTGAGE SERVICER:
JPMorgan Chase Bank, National
Association
MORTGAGED PROPERTY ADDRESS:
508 South Washington Street, Redwood
Falls, MN 56283
TAX PARCEL I.D. #: 884220620
LEGAL DESCRIPTION OF PROPERTY:
North 1/2 of Lots 11 and 12, Block 4, DL
Hitchcocks Addition, also known as
Hitchcocks Addition and Hitchcocks 1st
Addition to the city of Redwood Falls
COUNTY IN WHICH PROPERTY IS
LOCATED: Redwood
ORIGINAL PRINCIPAL AMOUNT OF
MORTGAGE: $103,050.00
AMOUNT DUE AND CLAIMED TO BE
DUE AS OF DATE OF NOTICE, INCLUDING
TAXES, IF ANY, PAID BY MORTGAGEE:
$106,440.98
That prior to the commencement of this
mortgage foreclosure proceeding
Mortgagee/Assignee of Mortgagee complied
with all notice requirements as required by
statute; That no action or proceeding has
been instituted at law or otherwise to recov-
er the debt secured by said mortgage, or any
part thereof;
PURSUANT to the power of sale con-
tained in said mortgage, the above described
property will be sold by the Sheriff of said
county as follows:
DATE AND TIME OF SALE: March 17,
2016 at 10:00 AM
PLACE OF SALE: Sheriff's Office, Law
Enforcement Center, Lobby, 303 East 3rd,
Redwood Falls, MN
to pay the debt then secured by said
Mortgage, and taxes, if any, on said premis-
es, and the costs and disbursements, includ-
ing attorneys' fees allowed by law subject to
redemption within six (6) months from the
date of said sale by the mortgagor(s), their
personal representatives or assigns unless
reduced to Five (5) weeks under MN Stat.
§580.07.
TIME AND DATE TO VACATE PROPER-
TY: If the real estate is an owner-occupied,
single-family dwelling, unless otherwise pro-
vided by law, the date on or before which the
mortgagor(s) must vacate the property if the
mortgage is not reinstated under section
580.30 or the property is not redeemed
under section 580.23 is 11:59 p.m. on
September 19, 2016, unless that date falls on
a weekend or legal holiday, in which case it
is the next weekday, and unless the redemp-
tion period is reduced to 5 weeks under MN
Stat. Secs. 580.07 or 582.032.
MORTGAGOR(S) RELEASED FROM
FINANCIAL OBLIGATION ON MORT-
GAGE:None
"THE TIME ALLOWED BY LAW FOR
REDEMPTION BYTHE MORTGAGOR,THE
MORTGAGOR'S PERSONAL REPRESEN-
TATIVES OR ASSIGNS, MAY BE
REDUCED TO FIVE WEEKS IF A JUDICIAL
ORDER IS ENTERED UNDER MINNESO-
TA STATUTES, SECTION 582.032, DETER-
MINING, AMONG OTHER THINGS, THAT
THE MORTGAGED PREMISES ARE
IMPROVED WITH A RESIDENTIAL
DWELLING OF LESS THAN FIVE UNITS,
ARE NOT PROPERTY USED IN AGRICUL-
TURAL PRODUCTION, AND ARE ABAN-
DONED."
Dated: January 14, 2016
JPMorgan Chase Bank,
National Association
Mortgagee/Assignee of Mortgagee
USSET, WEINGARDEN AND
LIEBO, P.L.L.P.
Attorneys for Mortgagee/Assignee
of Mortgagee
4500 Park Glen Road #300
Minneapolis, MN 55416
(952) 925-6888
30 - 15-010087 FC
THIS IS A COMMUNICATION
FROM A DEBT COLLECTOR.
Published in the Redwood Gazette
January 25, February 1, 8, 15, 22 & 29, 2016.
PUBLIC NOTICES
2417 S. Broadway • New Ulm, MN
507-354-8106
www.joescampers.com
• JANUARY 28, 29, 30 & 31 •
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15% Off
901 Cook Street • Redwood Falls, MN 56283
Phone: 507-644-2333 • Fax: 507-644-2199
www.RedwoodAreaCommunityCenter.com
Redwood Area Community Center
Family Wellness at the RACC
DOORS, FROM PAGE 3
“My brother Joe Zeug
from Marshall has also
helped install commer-
cial doors when we need
the extra help. I will con-
tinue to farm,” Zeug
added,“andMattisplan-
ning on working the door
business full time along
with welding on the side
atourfarmshop.”
Tom said he likes to
help people, so that is
whatattractedhimtothe
door business.
“We have no set
hours,” Zeug added.
“Peoplegiveusacall,and
we help them out as best
we can.”
The Zeugs have
brochures for doors peo-
plecanorderandthedif-
ferent styles that are
available.
“WesellmostlyClopay
and Ideal doors along
with many commercial-
size doors,” he said. “I
would like to thank
Kenny for allowing me
the opportunity to work
with him and learn the
overhead door trade.
“Matt and I are excited
about the future of the
business and would like
to thank all of the past
customers of Dolan
Doors for supporting us.”
For more information
regarding door-hanging
needs offered by Z
Doormen, contact Tom
Zeug at (507) 829-7500
or Matt Zeug at (507)
828-2591.
RESPONSE, FROM PAGE 4
• Clarify your own priori-
ties – Explain what else is on
your plate and why it’s
important.
Other people may not real-
ize what your priorities really
are and won’t press the ques-
tion once they understand
the scope of your other
responsibilities.
• Adjust your work flow –
If your boss wants you to do
something extra, use the
request as an opportunity to
shift your other projects.
“I can do that, but my
report on the Jones Project
will be late – is that okay?”
This shows you’re thinking
about priorities, and it may
make your boss rethink his
assumptions about your
workload.
• Don’t say anything when
you’re put on the spot – Take
time to think it over.
• Be polite, but firm –
Don’t build false hope about
what you can do.
Don’t say,“I’ll try.”
You’ll just worry about
squeezing the request into
your schedule or how you’re
going to say in the end that
you didn’t get it done.
Let me just add, from a
management perspective, I
love when people are willing
to take on extra tasks when
necessary. I do not love when
their work is substandard or
their usual responsibilities
suffer, just to prove how
many balls they can juggle at
one time. That tells me they
are weak on time manage-
ment.
• Saying no is not the
same as saying never – It’s an
acknowledgement that you
respect yourself as well as the
person doing the asking.
Believe me, it won’t stop
them from asking again.
Mackay’s Moral: Know
when to say no.
– Harvey Mackay can be con-
tacted via e-mail at harvey@mack-
ay.com, online at www.harvey-
mackay.com or by writing to
MackayMitchell Envelope
Company, 2100 Elm St. SE,
Minneapolis, MN
RETURN, FROM PAGE 4
Walking around my
hometown and working
at the Redwood
Gazette has given me
the opportunity to
reconnect with people
from the past as well as
meeting new people.
It’s been a pleasant
experience being back
in the community.
It’s amazing how
time can change peo-
ple, attitudes and most
surprisingly oneself.
Seeing familiar faces
and being around
pleasant people has
been an added bonus to
my own personal
growth of learning to
appreciate the “little
things.”
I’ve learned we all
have a story, and it’s
important to under-
stand that we never
truly know what others
may be going through.
We are all individu-
als despite our last
names, and we should
never allow others to
dictate our thoughts,
feelings and path.
What I’ve learned in
these past few months
is one should never say
never, and don’t be
surprised if you return
home.
After all, I did, and
I’m pleasantly sur-
prised almost every day
what I learn about
myself and our com-
munity.
PROGRAM, FROM PAGE 9
How does one benefit
from the SELF Refi program?
The competitive rates
offered through the SELF
Refi program can help some
students locked into higher
rate private loans not only
reduce their monthly pay-
ments but also lower their
overall debt. Some borrowers
may also see the SELF Refi
program as a way to shorten
the duration of their student
loans or extend them over a
longer period of time, which
is also going to reduce their
monthly payments.
For eligible borrowers
five-, 10- and 15-year loans
will be available, with cur-
rent interest rates ranging
from 3 percent for a five-year
variable to 6.95 percent for a
15-year fixed rate.
For example, if eligible for
the lowest rates, a borrower
with $40,000 in student
loans at 8 percent interest
rate could save as much as
$200 a month, or up to
$25,000 over the duration of
their loan through the SELF
Refi program.
More information on the
SELF Refi program, and how
to refinance your student
loans through this new ini-
tiative, is available at
www.selfrefi.state.mn.us.