NOTICE BEFORE NOTICE OF FORCLOSURE 1. Pursuant to the provisions of the Federal Fair Debt Collection Practices Act, you are hereby notified that unless you dispute the validity of the foregoing debt or any part thereof in thirty (30) days of receipt of this letter, we assume that the debt is valid. On the other hand, if the debt or part of it is disputed, we will obtain a verification of the debt and send you a copy of this verification. You are also advised that upon your request within the thirty (30) day period, we will provide you with the name and address of your original creditor, if different from the creditor mentioned in this notice. We are trying to collect a debt and any information obtained will be used for this purpose. 2. At this time, no attorney at this firm has personally reviewed the particular circumstances of your account. However, if you are unable to contact our office, our client may consider additional remedies to collect the balance owing: To: Larry Wayne Lindemoen II 4808 South 45 Avenue Fargo, ND 58104 Who are the owners of the following properties described: Lot five, in Block Nine, of Osgood Townsite First Addition to the City of Fargo, located in Cass County and the State of North Dakota. 4808 45 Avenue South, Fargo, ND 58104 3. Notice is hereby given that the certain mortgage on the property described above, where Larry Wayne Lindemoen II, single man, mortgagor(s), was signed and delivered to Mortgage Electronic Registration Systems, Inc. . as nominee for Wyndham Capital Mortgage, Inc., Mortgagee, dated 09/14/2018 was duly filed for registration in the office of the County Registrar of Cass County, North Dakota on 09/17/2018 under number 1547077 . 4. The mortgage was granted to secure payment of $210,750.00, plus interest, under the terms of a certain promissory note, which is in default. 5. FIFTH THIRD BANK, NA may have already sent you a letter advising you of possible alternatives to foreclosure, along with the paperwork you need to complete and return to Madisonville Ops Center, MD1MOC2N CC3148, Cincinnati, OH 45263-5300 at evaluate for these variants. If you have not received or no longer have the documents, or if you have not returned all the documents, please contact FIFTH THIRD BANK, NA at 800-375-1745 option 3. Even if you have already indicated that you are not interested in saving your home, you can still be assessed for alternatives to foreclosure. 6. The following is a statement of the amount owing for principal, interest, taxes, insurance, maintenance, etc., as of 09/26/2021: Principal unpaid $213,218.80 Escrow 8,146 $.25 Interest accrued through 9/26/2021 $14,407.76 Late fees $732.48 Property inspections $189.50 Property preservation $1,575.00 Total amount due $238,289.79 Escrow $8,767.55 Late Fee $784.80 Property Inspection $189.50 Property Preservation $1,575.00 Total Amount Due $27,014.50 ALL TO BE PAID BY CERTIFIED FUNDS, PAYABLE TO THE FIFTH BANK, NA and mailed to the undersigned attorney to remedy the default, plus any accrued interest, thereafter any late payments or fees which become due and any other expenses for the preservation of the property which may be advanced. PLEASE CONTACT THE UNDERSIGNED FOR THE EXACT AMOUNT DUE BY A CERTAIN DATE. 8. You have the right under the terms of the mortgage to remedy the default specified above. You also have the right to assert in the foreclosure action that no default exists or any other defense you may have to said action 9. Notice is further given that if the total of the sums in default, together interest accrued at the time of such payment, accrued payments then due and advanced expenses, are not paid within thirty (30) days from the date of mailing or service of this notice, the mortgagee shall consider that the entire amount secured by the mortgage is due and payable in full without further notice. In addition, proceedings will be initiated to foreclose this mortgage and, in the event of a sheriff’s sale, as provided by the laws of the State of North Dakota, the time for redemption shall be as provided by law, but not less than sixty (60) days after the sheriff’s sale. 10. Unless you are ineligible for an appeal, if you are considering or have a pending appeal of a previous loan modification request denial, you may submit a loan modification request instead of a appeal within thirty (30) days of the date of this letter. Dated September 22, 2021 /s/ Erica L. Chisholm Erica L. Chisholm, Attorney ID No: 06327 Janelle G. Ewing, Attorney ID No: 08611 The Sayer Law Group, PC Counsel for Plaintiff 925 E 4th St. Waterloo, IA 50703 (319) 234-2530 [email protected] If you have ever received a discharge in a Chapter 7 bankruptcy, this is not an attempt to collection of a debt against you personally, but only an attempt to determine your intention regarding the maintenance of this property. SEE ATTACHED FOR ADDITIONAL IMPORTANT DISCLOSURES THIS IS AN ATTEMPT TO COLLECT ANY DEBT BY A DEBT COLLECTOR AND ANY INFORMATION WE OBTAIN WILL BE USED FOR THIS PURPOSE. (March 16, 23 & 30, 2022) 41459