Official Form 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?

q No

q 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?

q No

q 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?

q No

q 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 __________ (State)

Case number ___________________________________________

 Fill in this information to identify the case:

Official Form 410S1 Notice of Mortgage Payment Change page 1

U.S. Bank Trust National Association, as 

Trustee of the FW Series I Trust 14

4156

1,291.49

265.68 389.91

Larry Nathaniel Johnson, Jr.

Felicia Diane Cromwell-Johnson

Eastern VA

16-32997-KRH

12 01 2020

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

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.

q I am the creditor.

q 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 ________________________

Official Form 410S1 Notice of Mortgage Payment Change page 2

X

Larry Nathaniel Johnson, Jr. 16-32997-KRH

/s/ Michelle R. Ghidotti-Gonsalves 10 14 2020

Michelle R. Ghidotti-Gonsalves AUTHORIZED AGENT

Ghidotti Berger LLP

1920 Old Tustin Ave

Santa Ana, CA 92705

949 427 2010 bknotifications@ghidottiberger.com

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SN Servicing Corporation Final

323 FIFTH STREET

EUREKA, CA 95501

For Inquiries: (800) 603-0836

Main Office- NMLS ID #5985, Branch Office- NMLS ID #9785

Analysis Date: October 12, 2020

LARRY JOHNSON Loan:

6461 DAWNFIELD LN

RICHMOND VA 23231

Property Address:

6461 DAWNFIELD LANE

RICHMOND, VA 23231

Annual Escrow Account Disclosure Statement

Account History

This is a statement of actual activity in your escrow account from May 2020 to Nov 2020. Last year's anticipated activity

(payments to and from your escrow account) is next to the actual activity.

Oct 01, 2020

100.13

531.36

901.58

265.68

0.00

0.00 388.43

$243.06

$1,167.26

Payment Information Escrow Balance Calculation

Due Date:

Escrow Balance:

Anticipated Pmts to Escrow:

Anticipated Pmts from Escrow (-):

Anticipated Escrow Balance:

Principal & Interest Pmt:

Escrow Payment:

Other Funds Payment:

Assistance Payment (-):

Total Payment: $1,291.49

0.00

0.00

389.91

901.58

Current: Effective Dec 01, 2020:

Reserve Acct Payment: 0.00 0.00

Payments to Escrow

Date Anticipated Actual

Payments From Escrow

Anticipated Actual Actual

Escrow Balance

Description Required

Starting Balance 0.00 0.00

May 2020 499.30 * Escrow Only Payment 0.00 499.30

May 2020 265.68 * 0.00 764.98

May 2020 35.17 0.00 729.81 * Mortgage Insurance

May 2020 874.35 0.00 (144.54) * County Tax

Jun 2020 265.68 * 0.00 121.14

Jun 2020 265.68 * 0.00 386.82

Jun 2020 35.17 0.00 351.65 * Mortgage Insurance

Jul 2020 265.68 * 0.00 617.33

Jul 2020 35.17 0.00 582.16 * Mortgage Insurance

Aug 2020 265.68 * 0.00 847.84

Aug 2020 554.46 0.00 293.38 * Forced Place Insur

Aug 2020 35.17 0.00 258.21 * Mortgage Insurance

Sep 2020 265.68 * 0.00 523.89

Sep 2020 176.79 0.00 347.10 * Forced Place Insur

Sep 2020 35.17 0.00 311.93 * Mortgage Insurance

Oct 2020 176.63 0.00 135.30 * Forced Place Insur

Oct 2020 35.17 0.00 100.13 * Mortgage Insurance

Anticipated Transactions 0.00 100.13

Oct 2020 265.68 176.63 Forced Place Insur 189.18

Nov 2020 265.68 35.17 Mortgage Insurance 419.69

Nov 2020 176.63 Forced Place Insur 243.06

$0.00 $2,624.74 $0.00 $2,381.68

An asterisk (*) indicates a difference from a previous estimate either in the date or the amount. If you want a further explanation, please call

our toll-free number.

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Last year, we anticipated that payments from your account would be made during this period equaling 0.00. Under

Federal law, your lowest monthly balance should not have exceeded 0.00 or 1/6 of the anticipated payment from the

account, unless your mortgage contract or State law specifies a lower amount. Your mortgage contract and State law are

silent on this issue.

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SN Servicing Corporation Final

For Inquiries: (800) 603-0836

Main Office- NMLS ID #5985, Branch Office- NMLS ID #9785

Analysis Date: October 12, 2020

LARRY JOHNSON Loan:

Annual Escrow Account Disclosure Statement

Projections for Coming Year

This is an estimate of activity in your escrow account during the coming year based on payments anticipated to be made to and

from your account.

Date Anticipated Payments

To Escrow From Escrow Description

Escrow Balance

Anticipated Required

Starting Balance 243.06 1,020.07

Dec 2020 357.53 874.35 County Tax (273.76) 503.25

Dec 2020 176.63 Forced Place Insur (450.39) 326.62

Dec 2020 35.17 Mortgage Insurance (485.56) 291.45

Jan 2021 357.53 176.63 Forced Place Insur (304.66) 472.35

Jan 2021 35.17 Mortgage Insurance (339.83) 437.18

Feb 2021 357.53 176.63 Forced Place Insur (158.93) 618.08

Feb 2021 35.17 Mortgage Insurance (194.10) 582.91

Mar 2021 357.53 176.63 Forced Place Insur (13.20) 763.81

Mar 2021 35.17 Mortgage Insurance (48.37) 728.64

Apr 2021 357.53 176.63 Forced Place Insur 132.53 909.54

Apr 2021 35.17 Mortgage Insurance 97.36 874.37

May 2021 357.53 176.63 Forced Place Insur 278.26 1,055.27

May 2021 35.17 Mortgage Insurance 243.09 1,020.10

Jun 2021 357.53 874.35 County Tax (273.73) 503.28

Jun 2021 176.63 Forced Place Insur (450.36) 326.65

Jun 2021 35.17 Mortgage Insurance (485.53) 291.48

Jul 2021 357.53 176.63 Forced Place Insur (304.63) 472.38

Jul 2021 35.17 Mortgage Insurance (339.80) 437.21

Aug 2021 357.53 176.63 Forced Place Insur (158.90) 618.11

Aug 2021 35.17 Mortgage Insurance (194.07) 582.94

Sep 2021 357.53 176.63 Forced Place Insur (13.17) 763.84

Sep 2021 35.17 Mortgage Insurance (48.34) 728.67

Oct 2021 357.53 176.63 Forced Place Insur 132.56 909.57

Oct 2021 35.17 Mortgage Insurance 97.39 874.40

Nov 2021 357.53 176.63 Forced Place Insur 278.29 1,055.30

Nov 2021 35.17 Mortgage Insurance 243.12 1,020.13

$4,290.36 $4,290.30

(Please keep this statement for comparison with the actual activity in your account at the end of the escrow accounting computation year.)

Your escrow balance contains a cushion of 291.45. A cushion is an additional amount of funds held in your escrow

Federal law, your lowest monthly balance should not exceed 715.05 or 1/6 of the anticipated payment from the account,

unless your mortgage contract or State law specifies a lower amount. Your mortgage contract and State law are silent on

this issue.

balance to prevent the balance from becoming overdrawn when an increase in the disbursement amount occurs. Under

Your ending balance from the last month of the account history (escrow balance anticipated) is 243.06. Your starting

balance (escrow balance required) according to this analysis should be $1,020.07. This means you have a shortage of 777.01.

This shortage may be collected from you over a period of 12 months or more unless the shortage is less than 1 month's

deposit, in which case we have the additional option of requesting payment within 30 days. We have decided to collect it over 24

months.

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We anticipate the total of your coming year bills to be 4,290.30. We divide that amount by the number of payments expected during

the coming year to obtain your escrow payment.

New Escrow Payment Calculation

Unadjusted Escrow Payment 357.53

Surplus Amount:

Shortage Amount:

0.00

32.38

Rounding Adjustment Amount: 0.00

Escrow Payment: $389.91

Paying the shortage: If your shortage is paid in full, your new

monthly payment will be $1,259.11 (calculated by subtracting the

Shortage Amount to the left and rounding, if applicable). Paying the

shortage does not guarantee that your payment will remain the same, as

your tax or insurance bills may have changed. If you would like to pay

the shortage now, please pay the entire amount of the shortage before

the effective date of your new payment. To ensure that the funds are

posted to your account correctly, please notify your asset manager that

you are paying the shortage.

NOTICE OF RIGHT TO CANCEL PRIVATE MORTGAGE INSURANCE: If you currently pay private mortgage insurance

premiums, you may have the right to cancel the insurance. In most cases, you have the right to cancel private mortgage insurance if

the principal balance of your loan is 80 percent or less of the current fair market appraised value of your home, and you have a good

payment history on your loan. If you want to learn whether you are eligible to cancel this insurance, please contact us at 323 Fifth

Street, Eureka, Ca 95501 or 800-603-0836.

* Please note if you have autopay/EFT set up on your loan, it is your responsibility to make sure your payment amount is

updated. Enclosed is the EFT form that needs to be completed. Once completed, please fax to the number listed on the EFT form

or return in the self-addressed envelope.

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CERTIFICATE OF SERVICE

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Michelle R. Ghidotti-Gonsalves, Esq. (SBN 232837)

GHIDOTTI | BERGER, LLP

1920 Old Tustin Ave.

Santa Ana, CA 92705

Ph: (949) 427-2010

Fax: (949) 427-2732

bjaquez@ghidottiberger.com

Attorney for Creditor

U.S. Bank Trust National Association, as Trustee of the FW Series I Trust

UNITED STATES BANKRUPTCY COURT

EASTERN DISTRICT OF VIRGINIA – RICHMOND DIVISION

In Re:

Larry Nathaniel Johnson, Jr. and Felicia Diane 

Cromwell-Johnson,

Debtors.

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CASE NO.: 16-32997-KRH

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 Ave., 

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.

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CERTIFICATE OF SERVICE

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On November 2, 2020 I served the following documents described as: 

 NOTICE OF MORTGAGE PAYMENT CHANGE

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

Larry Nathaniel Johnson, Jr.

Felicia Diane Cromwell-Johnson

6461 Dawnfield Ln

Henrico, VA 23231

Debtor’s Counsel

Laura Taylor Alridge

Boleman Law Firm, P.C.

P.O. Box 11588

Richmond, VA 23230-1588

Chapter 13 Trustee

Carl M. Bates

341 Dial 866-813-0912 Code: 8576180

P. O. Box 1819

Richmond, VA 23218

_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 November 2, 2020 at Santa Ana, California

/s / Michaela S Rice

Michaela S Rice

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