Official Form 410S1 Notice of Mortgage Payment Change page 1

l 410S1 

Notice of Mortgage Payment Change 12/15

If the debtor’s plan provides for payment of postpetition contractual installments on your claim secured by a security interest in the 

debtor’s principal residence, you must use this form to give notice of any changes in the installment payment amount. File this form 

as a supplement to your proof of claim at least 21 days before the new payment amount is due. See Bankruptcy Rule 3002.1. 

Name of creditor: _______________________________________ Court claim no. (if known): _____________________ 

Last 4 digits of any number you use to 

identify the debtor’s account: ____ ____ ____ ____ 

Date of payment change: 

Must be at least 21 days after date 

of this notice 

_____________ 

New total payment:

Principal, interest, and escrow, if any

$ ____________ 

Part 1: Escrow Account Payment Adjustment 

1. Will there be a change in the debtor’s escrow account payment?

 No

 Yes. Attach a copy of the escrow account statement prepared in a form consistent with applicable nonbankruptcy law. Describe

the basis for the change. If a statement is not attached, explain why: ___________________________________________

__________________________________________________________________________________________________

Current escrow payment: $ _______________ New escrow payment: $ _______________

Part 2: Mortgage Payment Adjustment

2. Will the debtor’s principal and interest payment change based on an adjustment to the interest rate on the debtor's

variable-rate account?

 No

 Yes. Attach a copy of the rate change notice prepared in a form consistent with applicable nonbankruptcy law. If a notice is not

attached, explain why: _______________________________________________________________________________

__________________________________________________________________________________________________

Current interest rate: _______________% New interest rate: _______________% 

Current principal and interest payment: $ _______________ New principal and interest payment: $ _______________

Part 3: Other Payment Change

3. Will there be a change in the debtor’s mortgage payment for a reason not listed above?

 No

 Yes. Attach a copy of any documents describing the basis for the change, such as a repayment plan or loan modification agreement.

(Court approval may be required before the payment change can take effect.) 

Reason for change: ___________________________________________________________________________________

Current mortgage payment: $ _______________ New mortgage payment: $ _______________

Debtor 1 __________________________________________________________________ 

Debtor 2 ________________________________________________________________ 

(Spouse, if filing)

United States Bankruptcy Court for the: __________ District of __________ 

Case number ___________________________________________ 

Fill in this information to identify the case: 

Paul A. Jones

Eastern District of Virginia

17-31073-KLP

U.S Bank Trust N.A., et al 16-1

3 2 6 1 01/01/2019

1,380.06

259.25 259.25

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Debtor 1 _______________________________________________________ Case number (if known) _____________________________________ First Name Middle Name Last Name

Official Form 410S1 Notice of Mortgage Payment Change page 2

Part 4: Sign Here

The person completing this Notice must sign it. Sign and print your name and your title, if any, and state your address and 

telephone number. 

Check the appropriate box.

 I am the creditor.

 I am the creditor’s authorized agent.

I declare under penalty of perjury that the information provided in this claim is true and correct to the best of my 

knowledge, information, and reasonable belief. 

û_____________________________________________________________ Date ___________________ 

Signature

Print: _________________________________________________________ Title ___________________________

First Name Middle Name Last Name

Company _________________________________________________________

Address _________________________________________________________

Number Street

___________________________________________________

City State ZIP Code

Contact phone ________________________ Email ________________________ 

Paul A. Jones 17-31073-KLP

/s/ Michael J. Egan 12/03/2018

Michael J. Egan Bankruptcy Asset Manager

SN Servicing Corporation

323 5th Street

Eureka CA 95501

800-603-0836 bknotices@snsc.com

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CERTIFICATE OF SERVICE

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Michelle R. Ghidotti-Gonsalves, Esq. (SBN 27180)

LAW OFFICES OF MICHELLE GHIDOTTI

1920 Old Tustin Ave.

Santa Ana, CA 92705

Ph: (949) 427-2010

Fax: (949) 427-2732

mghidotti@ghidottilaw.com

Attorney for Creditor

U.S. Bank Trust National Association, as Trustee of the Chalet Series III Trust

UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA– RICHMOND DIVISION

In Re:

Paul A. Jones, 

Debtors.

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CASE NO.: 17-31073

CHAPTER 13

CERTIFICATE OF SERVICE

CERTIFICATE OF SERVICE

I am employed in the County of Orange, State of California. I am over the age of 

eighteen and not a party to the within action. My business address is: 1920 Old Tustin 

Avenue, Santa Ana, CA 92705.

I am readily familiar with the business’s practice for collection and processing of 

correspondence for mailing with the United States Postal Service; such correspondence would 

be deposited with the United States Postal Service the same day of deposit in the ordinary 

course of business.

On December 6, 2018 I served the following documents described as: 

 NOTICE OF MORTGAGE PAYMENT CHANGE

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CERTIFICATE OF SERVICE

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on the interested parties in this action by placing a true and correct copy thereof in a sealed 

envelope addressed as follows:

(Via United States Mail)

Debtor

Paul A. Jones

3857 Stowe Drive

Richmond, VA 23234

Chapter 13 Trustee

Suzanne E. Wade

P.O. Box 1780

Richmond, VA 23218-1780

Debtor’s Counsel

Yvonne Cochran

Cochran Law Firm, PC

4509 W. Broad Street

Richmond, VA 23230

_xx___(By First Class Mail) At my business address, I placed such envelope for deposit with 

the United States Postal Service by placing them for collection and mailing on that date 

following ordinary business practices.

______Via Electronic Mail pursuant to the requirements of the Local Bankruptcy Rules of the 

Eastern District of California 

__xx_(Federal) I declare under penalty of perjury under the laws of the United States of 

America that the foregoing is true and correct.

Executed on December 6, 2018 at Santa Ana, California

/s / Lauren Simonton

Lauren Simonton

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