Foreclosure Notice
Official courthouse record · Indexed in NoticeRegistry archive · AI-enriched for research
A mortgage on property originally owned by Crystal R. Giroux is in default, and a foreclosure sale is being announced for the mortgage now held by Minnesota Housing Finance Agency. The notice warns the debtor's rights to verification of the debt remain intact.
Key Takeaways
- Mortgage dated December 31, 2001 is in default
- Mortgage assigned to Minnesota Housing Finance Agency
- Recorded in Carlton County on January 9, 2002
- Debtor retains right to verification of the debt
- Published
- Category
- Foreclosure
If you don't respond
If the default is not cured or legal defenses not raised before the foreclosure sale, the mortgage holder may proceed to sell the property; specific sale date and redemption deadline are not provided in this notice.
What to do next
- 1
Contact the mortgage holder
Reach out to Minnesota Housing Finance Agency to discuss the default and possible reinstatement options.
- 2
Request debt verification
Within the legal time frame, request verification of the debt as the notice preserves that right.
- 3
Consult an attorney
Seek legal advice immediately to learn about defenses, timelines, and possible redemption rights.
Frequently asked questions
- Who is listed as the borrower in this notice?
- The mortgagor is Crystal R. Giroux, identified as a single woman.
- Which entity currently holds the mortgage?
- The mortgage is assigned to the Minnesota Housing Finance Agency.
- Where was the mortgage recorded?
- It was recorded in Carlton County on January 9, 2002, Document No. 354609 (assignment 354611).
The suggestions and answers above are AI-generated for general information only. They can be wrong, and we don't take responsibility for their accuracy. Talk to a qualified professional before acting on them.
Legal terms in this notice
- mortgagee
- The lender or entity that holds the mortgage loan.
- mortgagor
- The borrower who granted the mortgage on the property.
- assignment of mortgage
- A transfer of the lender's rights in the mortgage to another entity.
Full Notice Text
NOTICE OF MORTGAGEFORECLOSURE SALETHE RIGHT TO VERIFICATIONOF THE DEBT AND IDENTITY OFTHE ORIGINAL CREDITOR WITHINTHE TIME PROVIDED BY LAW ISNOT AFFECTED BY THIS ACTION.NOTICE IS HEREBY GIVEN, thatdefault has occurred in conditions ofthe following described mortgage:DATE OF MORTGAGE:December 31, 2001MORTGAGOR: Crystal R Giroux,a single woman.MORTGAGEE: North Shore Bankof Commerce.DATE AND PLACE OFRECORDING: Recorded January9, 2002 Carlton County Recorder,Document No. 354609.ASSIGNMENTS OFMORTGAGE: Assigned to:Minnesota Housing Finance Agency.Dated December 31, 2001 RecordedJanuary 9, 2002, as Document No.354611.TRANSACTION AGENT: NONETRANSACTION AGENT'SMORTGAGE IDENTIFICATIONNUMBER ON MORTGAGE: NONELENDER OR BROKER ANDMORTGAGE ORIGINATORSTATED ON MORTGAGE: NorthShore Bank of CommerceRE