Foreclosure — Carlton
Official courthouse record · Indexed in NoticeRegistry archive · AI-enriched for research
This notice announces a mortgage foreclosure sale for a loan made December 31, 2001, where default has occurred on a mortgage originally held by North Shore Bank of Commerce and assigned to Minnesota Housing Finance Agency. The property recorded in Carlton County may be sold to satisfy the debt.
Key Takeaways
- Foreclosure sale announced for mortgage dated December 31, 2001
- Mortgagor: Crystal R Giroux (single woman)
- Mortgagee: North Shore Bank of Commerce, assigned to Minnesota Housing Finance Agency
- Recorded in Carlton County (Document No. 354609)
- Published
- Category
- Foreclosure
- City
- Carlton
Research context
If you don't respond
If no action is taken, the mortgagee may proceed with the foreclosure sale to recover the debt; specific sale date and redemption details are not provided here and may remove rights to retain the property.
What to do next
- 1
Check full foreclosure notice for sale date
Obtain the complete notice or contact Carlton County Recorder to find the foreclosure sale date and redemption period.
- 2
Contact the mortgage holder
Reach out to Minnesota Housing Finance Agency to discuss payoff, reinstatement, or alternatives before the sale.
- 3
Consult a housing attorney or counselor
Seek legal advice or a HUD-approved housing counselor immediately to understand rights and possible defenses.
Frequently asked questions
- Who is named as the homeowner in this foreclosure notice?
- The mortgagor is listed as Crystal R. Giroux, identified as a single woman.
- Which entity currently holds the mortgage?
- The mortgage was assigned to the Minnesota Housing Finance Agency.
- Where was the mortgage recorded?
- It was recorded January 9, 2002, in Carlton County as Document No. 354609.
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
- mortgagor
- The borrower who gave the mortgage on the property.
- mortgagee
- The lender or entity that holds the mortgage as security for the loan.
- assignment of mortgage
- A transfer of the mortgage interest from the original mortgagee to another party.
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