IN THE IOWA DISTRICT COURT OF MONONA COUNTY Citizens Bank NA f/k/a RBS Citizens NA Plaintiff, vs. Phillip Fleming; Ashley Fleming; State of Iowa, Department of Revenue; Foundation Finance Company, LLC; Parties in Possession; Midland Credit Management, Inc.; State of Iowa, et al. Defendants. EQUITY NO: EQCV032028 ORIGINAL NOTICE FOR PUBLICATION You are notified that a petition has been filed in the office of this court naming you as a defendant in this action. The petition was filed on September 30, 2025, and prays for foreclosure of Plaintiffs Mortgage in favor of the Plaintiff on the property described in this notice and judgment for the unpaid principal amount of $100,817.01, with 4.125% per annum interest thereon from November 1, 2024, together with late charges, advances and the costs of the action including (but not limited to) title costs and reasonable attorney’s fees, as well as a request that said sums be declared a lien upon the following described premises from August 24, 2020, located in Monona county, Iowa: All that part of the Northwest Quarter of the Southwest Quarter (NW 1/4 SW 1/4) of Section Ten (10), Township Eighty Four (84) North, Range Forty Six (46) West of the Fifth (5th) Principal Meridian, Monona County, Iowa, described as commencing at the West Quarter (W 1/4) corner of said Section 10- 84-46, thence South along the West line of said Section 1051.11 feet to the point of beginning, thence South 88° 45’ 10” East 199.68 feet, thence South parallel with the West line of Section 10-84-46, 67.00 feet, thence North 86° 30’ 00” East 20.00 feet, thence South parallel with the West lien of Section 10-84- 46, 185.00 feet, thence South 86° 30’ 00” West 220.00 feet to the West line of Section 10-84-46, thence North along said West line 268.55 feet to the point of beginning. Tract contains 1.27 acres including public road, and 1.02 acres excluding public road Better known as: All that part of the Northwest Quarter of the Southwest Quarter (NW 1/4 SW1/4) of Section Ten (10), Township Eighty Four (84) North, Range Forty Six (46) West of the 5th P.M., Monona County, Iowa, described as commencing at the West Quarter (W1/4) corner of said Section 10-84-46, thence South along the West line of said Section 1051.11 feet to the point of beginning, thence South 88°45’10” East 199.68 feet, thence South parallel with the West line of Section 10-84-46, 67.00 feet, thence North 86°30’00” East 20.00 feet, thence South parallel with the West line of Section 10-84-46, 185.00 feet, thence South 86°30’00” West 220.00 feet to the West line of Section 10-84-46, thence North along said West line 268.55 feet to the point of beginning. Tract contains 1.27 acres including public road, and 1.02 acres excluding public road, commonly known as 17727 Highway K42, Whiting, IA 51063 (the “Property”) The petition further prays that the Mortgage on the above described real estate be foreclosed, that a special execution issue for the sale of as much of the mortgaged premises as is necessary to satisfy the judgment and for other relief as the Court deems just and equitable. For further details, please review the petition on file in the clerk’s office. The Plaintiffs attorney is Arlet Costilla, of SouthLaw, P.C.; whose address is 4601 Westown Pkwy, Suite 250, West Des Moines, IA 50266. NOTICE The plaintiff has elected foreclosure without redemption. This means that the sale of the mortgaged property will occur promptly after entry of judgment unless you file a written demand with the court to delay the sale. If you file a written demand, the sale will be delayed until six months (or three months if the petition includes a waiver of deficiency judgment) from the entry of judgment if the mortgaged property is your residence and is a one-family or two-family dwelling or until two months from entry of judgment if the mortgaged property is not your residence or is your residence but not a one-family or two-family dwelling. You will have no right of redemption after the sale. The purchaser at the sale will be entitled to immediate possession of the mortgaged property. You may purchase at the sale. You must serve a motion or answer on or before December 24, 2025, and within a reasonable time thereafter, you must file your motion or answer with the Clerk of Court for Monona County, at the county courthouse in Onawa, Iowa. If you fail to respond, judgment by default may be rendered against you for the relief demanded in the petition. If you require the assistance of auxiliary aids or services to participate in a court action because of a disability, immediately call your District ADA Coordinator at 712-279-6035. If you are hearing impaired, call Relay Iowa TTY at 1-800-735-2942. This case has been filed in a county that utilizes electronic filing. You may find more information and general rules governing electronic filing in Iowa Court Rules Chapter 16. You may find information concerning protection of personal information in court filings in Iowa Court Rules Chapter 16, Division VI. By: ________________________ CLERK OF THE ABOVE COURT Monona County Courthouse 610 Iowa Avenue, Onawa, IA 51040 IMPORTANT: YOU ARE ADVISED TO SEEK LEGAL ADVICE AT ONCE TO PROTECT YOUR INTERESTS. MP11-13-25, 11-20-25, 11-27, 25
