Official Form 4100R Response to Notice of Final Cure Payment Page 1

Fill in this information to identify the case:

Debtor 1 Teairra Christina Studgeon

Debtor 2 

(Spouse, if filing) 

United States Bankruptcy Court for the: Eastern District of Virginia___

 (State) 

Case number 17-35412-KRH

Form 4100R

Response to Notice of Final Cure Payment 10/15

According to Bankruptcy Rule 3002.1(g), the creditor responds to the trustee's notice of final cure payment. 

Part 1: Mortgage Information

Name of creditor: U.S. Bank National Association, not in its individual capacity but solely as trustee for 

RMTP Trust, Series 2021 BKM-TT

 Court claim no. (if known):

3-1

Last 4 digits of any number you use to identify the debtor's account: 3046

Number Street

Richmond, VA 23222 

City State Zip Code 

Part 2: Prepetition Default Payments

Check one:

Creditor agrees that the debtor(s) have paid in full the amount required to cure the prepetition default on 

the creditor’s claim.

Creditor disagrees that the debtor(s) have paid in full the amount required to cure the prepetition default 

on the creditor’s claim. Creditor asserts that the total prepetition amount remaining unpaid as of the date 

of this response is: $ 

Part 3: Postpetition Mortgage Payment

Check one:

Creditor states that the debtor(s) are current with all postpetition payments consistent with § 1322(b)(5) of 

the Bankruptcy Code, including all fees, charges, expenses, escrow, and costs. 

The next postpetition payment from the debtor(s) is due on: 

MM/ DD /YYYY

Creditor states that the debtor(s) are not current on all postpetition payments consistent with § 1322(b)(5) of 

the Bankruptcy Code, including all fees, charges, expenses, escrow, and costs. 

Creditor asserts that the total amount remaining unpaid as of the date of this response is:

a. Total postpetition ongoing payments due: 5/1/2022 1@ $891.32 (a) $ __891.32____

b. Total fees, charges, expenses, escrow, and cost outstanding: + (b) $ ____________

c. Total. Add lines a and b. (c) $ __891.32____

Creditor asserts that the debtor(s) are contractually 

obligated for the postpetition payment(s) that first became 

due on: _05_/_01/2022 Less Suspense -$856.55

 

MM/ DD /YYYY Total=$ 34.77

Property Address: 1916 N Battery Drive 

Case 17-35412-KRH Doc Filed 05/26/22 Entered 05/26/22 13:43:39 Desc Main

Document Page 1 of 4
Official Form 4100R Response to Notice of Final Cure Payment Page 2

Debtor 1 Teairra Christina Studgeon Case Number (if known) 17-35412-KRH

First Name Middle Name Last Name

Part 4: Itemized Payment History

If the creditor disagrees in Part 2 that the prepetition arrearage has been paid in full or states in Part 3 that the 

debtor(s) are not current with all postpetition payments, including all fees, charges, expenses, escrow, and costs, 

the creditor must attach an itemized payment history disclosing the following amounts from the date of the 

bankruptcy filing through the date of this response: 

 all payments received; 

 all fees, costs, escrow, and expenses assessed to the mortgage; and 

 all amounts the creditor contends remain unpaid. 

Part 5: Sign Here

The person completing this response must sign it. The response must be filed as a supplement to the creditor's 

proof of claim.

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 response is true and correct 

to the best of my knowledge, information, and reasonable belief.

Sign and print your name and your title, if any, and state your address and telephone number if different 

from the notice address listed on the proof of claim to which this response applies.

 Signature

Print: Todd Rich, Bar No. VABN 74296 Title Bankruptcy Attorney 

 First name Middle Name Last name

Company MCMICHAEL TAYLOR GRAY, LLC 

If different from the notice address listed on the proof of claim to which this response applies:

Address 3550 Engineering Drive, Suite 260 

 Number Street 

 Peachtree Corners, GA 30092 

 City State Zip Code

Contact phone 404-474-7149 Email: trich@mtglaw.com

 /s/ Todd Rich Date 05/26/2022 

Case 17-35412-KRH Doc Filed 05/26/22 Entered 05/26/22 13:43:39 Desc Main

Document Page 2 of 4
Official Form 4100R Response to Notice of Final Cure Payment Page 3

 

CERTIFICATE OF SERVICE

 I HEREBY CERTIFY that a true and correct copy of the foregoing in the above captioned case was this 

day served upon the below named persons by either United States Mail or Electronic Mail at the addresses 

shown below:

Respectfully submitted, 

By: /s/ Todd Rich 

Todd Rich, Esq. 

VABN 74296 

MCMICHAEL TAYLOR GRAY, LLC 

Attorney for Creditor 

3550 Engineering Drive, Suite 260 

Peachtree Corners, GA 30092 

Telephone: 404-474-7149 

Facsimile: 404-745-8121 

E-mail: trich@mtglaw.com 

MTG File No.: 22-000545-02 

Via U.S. Mail

Teairra Christina Studgeon 

1916 N Battery Dr 

Richmond, VA 23222 

 

Via CM/ECF electronic service:

Seth Jackson-Marks 

Pagano & Marks, P.C. 

25 E. Main Street 

Richmond, VA 23219 

Suzanne E. Wade 

7202 Glen Forest Drive, Ste 202 

Richmond, VA 23226 

Dated: May 26, 2022 

Case 17-35412-KRH Doc Filed 05/26/22 Entered 05/26/22 13:43:39 Desc Main

Document Page 3 of 4
PAYMENT CHANGES

DATE P&I Escrow TOTAL Reference

06/01/17 645.98 191.71 837.69 Payment listed in POC09/01/17 645.98 191.27 837.25 Payment listed in POC09/01/18 645.98 201.06 847.04 NOPC filed with the court09/01/19 645.98 216.47 862.45 NOPC filed with the court09/01/20 645.98 246.52 892.50 NOPC filed with the court

Loan# 04/01/22 645.98 245.34 891.32 NOPC filed with the courtBorrower: Studgeon 0.00Date Filed: 10/30/2017 0.00BK Case # 17-35412 0.00First Post Petition Due Date: 11/1/2017 0.00

POC covers: 06/01/17 - 10/01/17MOD EFFECTIVE DATE:

Date Amount Recvd Payment Type Post Petition Due Date Contractual Due Date Amount Due Over/Shortage Suspense Credit Suspense Debit Susp Balance POC DATE PAID POC Arrears Credit POC Debit POC Suspense Balance POC Paid to Date 

$0.00 $0.00 $0.00 $0.00

11/15/2017 $896.00 Post 11/1/17 6/1/17 $837.25 $58.75 $58.75 $58.75 $0.00 $0.00

2/5/2018 $837.69 Post 12/1/17 7/1/17 $837.25 $0.44 $0.44 $59.19 $0.00 $0.003/8/2018 $837.25 Post 1/1/18 8/1/17 $837.25 $0.00 $59.19 $0.00 $0.00

5/29/2018 $837.25 Post 2/1/18 9/1/17 $837.25 $0.00 $59.19 $0.00 $0.00

5/29/2018 $837.25 Post 3/1/18 10/1/17 $837.25 $0.00 $59.19 $0.00 $0.00

5/29/2018 $837.25 Post 4/1/18 11/1/17 $837.25 $0.00 $59.19 $0.00 $0.00

5/29/2018 $837.25 Post 5/1/18 12/1/17 $837.25 $0.00 $59.19 $0.00 $0.00

6/7/2018 $837.25 Post 6/1/18 1/1/18 $837.25 $0.00 $59.19 $0.00 $0.008/5/2018 $837.25 Post 7/1/18 2/1/18 $837.25 $0.00 $59.19 $0.00 $0.008/6/2018 $837.25 Post 8/1/18 3/1/18 $837.25 $0.00 $59.19 $0.00 $0.00

9/18/2018 $847.04 Post 9/1/18 4/1/18 $847.04 $0.00 $59.19 $0.00 $0.00

11/9/2018 $847.04 Post 10/1/18 5/1/18 $847.04 $0.00 $59.19 $0.00 $0.00

12/23/2018 $847.04 Post 11/1/18 6/1/18 $847.04 $0.00 $59.19 $0.00 $0.00

2/4/2019 $847.04 Post 12/1/18 7/1/18 $847.04 $0.00 $59.19 $0.00 $0.00

3/29/2019 $847.04 Post 1/1/19 8/1/18 $847.04 $0.00 $59.19 $0.00 $0.00

4/15/2019 $847.04 Post 2/1/19 9/1/18 $847.04 $0.00 $59.19 $0.00 $0.00

4/28/2019 $600.39 Post $600.39 $600.39 $659.58 $0.00 $0.004/28/2019 $999.99 Post 3/1/19 10/1/18 $847.04 $152.95 $152.95 $812.53 $0.00 $0.00

5/6/2019 $34.00 Post $34.00 $34.00 $846.53 $0.00 $0.00

5/10/2019 $847.04 Post 4/1/19 11/1/18 $847.04 $0.00 $846.53 $0.00 $0.00

6/7/2019 $847.55 Post 5/1/19 12/1/18 $847.04 $0.51 $0.51 $847.04 $0.00 $0.00

Post 6/1/19 1/1/19 $847.04 -$847.04 $847.04 $0.00 $0.00 $0.00

8/2/2019 $847.04 Post 7/1/19 2/1/19 $847.04 $0.00 $0.00 $0.00 $0.009/3/2019 $847.04 Post 8/1/19 3/1/19 $847.04 $0.00 $0.00 $0.00 $0.00

9/27/2019 $862.45 Post 9/1/19 4/1/19 $862.45 $0.00 $0.00 $0.00 $0.0011/8/2019 $862.45 Post 10/1/19 5/1/19 $862.45 $0.00 $0.00 $0.00 $0.00

11/22/2019 $862.45 Post 11/1/19 6/1/19 $862.45 $0.00 $0.00 $0.00 $0.00

12/8/2019 $862.45 Post 12/1/19 7/1/19 $862.45 $0.00 $0.00 $0.00 $0.001/21/2020 $862.45 Post 1/1/20 8/1/19 $862.45 $0.00 $0.00 $0.00 $0.00

3/2/2020 $862.45 Post 2/1/20 9/1/19 $862.45 $0.00 $0.00 $0.00 $0.003/2/2020 $862.45 Post 3/1/20 10/1/19 $862.45 $0.00 $0.00 $0.00 $0.00

3/31/2020 $862.45 Post 4/1/20 11/1/19 $862.45 $0.00 $0.00 $0.00 $0.003/31/2020 $862.45 Post 5/1/20 12/1/19 $862.45 $0.00 $0.00 $0.00 $0.006/15/2020 $862.45 Post 6/1/20 1/1/20 $862.45 $0.00 $0.00 $0.00 $0.00

8/7/2020 $862.45 Post 7/1/20 2/1/20 $862.45 $0.00 $0.00 $0.00 $0.00

8/31/2020 $862.45 Post 8/1/20 3/1/20 $862.45 $0.00 $0.00 $0.00 $0.0010/1/2020 $862.45 Post $862.45 $862.45 $862.45 $0.00 $0.00

10/29/2020 $892.50 Post 9/1/20 4/1/20 $892.50 $0.00 $862.45 $0.00 $0.00

12/8/2020 $892.50 Post 10/1/20 5/1/20 $892.50 $0.00 $862.45 $0.00 $0.00

12/30/2020 Pre $0.00 $862.45 $52.36 $52.36 $52.36

1/13/2021 $892.50 Post 11/1/20 6/1/20 $892.50 $0.00 $862.45 $52.36 $52.361/13/2021 $892.50 Post 12/1/20 7/1/20 $892.50 $0.00 $862.45 $52.36 $52.361/29/2021 Pre $0.00 $862.45 $314.29 $366.65 $366.652/23/2021 Pre $0.00 $862.45 $208.45 $575.10 $575.10

3/9/2021 $2,677.50 Post 1/1/21 8/1/20 $892.50 $1,785.00 $1,785.00 $2,647.45 $575.10 $575.10

Post 2/1/21 9/1/20 $892.50 -$892.50 $892.50 $1,754.95 $575.10 $575.10Post 3/1/21 10/1/20 $892.50 -$892.50 $892.50 $862.45 $575.10 $575.10

3/15/2021 Escrow $0.00 $862.45 $575.10 $0.00 $575.10 

4/1/2021 $892.50 Post 4/1/21 11/1/20 $892.50 $0.00 $862.45 $0.00 $575.104/2/2021 Pre $0.00 $862.45 $312.56 $312.56 $887.66

4/27/2021 Pre $0.00 $862.45 $208.46 $521.02 $1,096.12

5/3/2021 $892.50 Post 5/1/21 12/1/20 $892.50 $0.00 $862.45 $521.02 $1,096.12

5/31/2021 Pre $0.00 $862.45 $208.37 $729.39 $1,304.49

6/3/2021 $892.50 Post 6/1/21 1/1/21 $892.50 $0.00 $862.45 $729.39 $1,304.49

6/29/2021 Pre $0.00 $862.45 $229.26 $958.65 $1,533.756/30/2021 Escrow $0.00 $862.45 $382.57 $576.08 $1,533.75 7/16/2021 $892.50 Post 7/1/21 2/1/21 $892.50 $0.00 $862.45 $576.08 $1,533.757/28/2021 Pre $0.00 $862.45 $229.33 $805.41 $1,763.088/13/2021 $891.32 Post 8/1/21 3/1/21 $892.50 -$1.18 $1.18 $861.27 $805.41 $1,763.088/25/2021 Pre $0.00 $861.27 $255.82 $1,061.23 $2,018.909/15/2021 $891.32 Post 9/1/21 4/1/21 $892.50 -$1.18 $1.18 $860.09 $1,061.23 $2,018.909/29/2021 Pre $0.00 $860.09 $349.53 $1,410.76 $2,368.43

10/20/2021 $891.32 Post 10/1/21 5/1/21 $892.50 -$1.18 $1.18 $858.91 $1,410.76 $2,368.4310/29/2021 Pre $0.00 $858.91 $220.08 $1,630.84 $2,588.5111/16/2021 $891.32 Post 11/1/21 6/1/21 $892.50 -$1.18 $1.18 $857.73 $1,630.84 $2,588.5111/23/2021 Pre $0.00 $857.73 $220.08 $1,850.92 $2,808.5911/24/2021 Pre Pre 7/1/21 $0.00 $857.73 6/1/2017 $837.69 $1,013.23 $2,808.59 12/17/2021 $891.32 Post 12/1/21 8/1/21 $892.50 -$1.18 $1.18 $856.55 $1,013.23 $2,808.59

1/3/2022 Pre $0.00 $856.55 $220.08 $1,233.31 $3,028.67

1/14/2022 $891.32 Post 1/1/22 9/1/21 $892.50 -$1.18 $1.18 $855.37 $1,233.31 $3,028.67

2/2/2022 Pre $0.00 $855.37 $220.08 $1,453.39 $3,248.75

2/11/2022 $892.50 Post 2/1/22 10/1/21 $892.50 $0.00 $855.37 $1,453.39 $3,248.75

3/2/2022 Pre $0.00 $855.37 $220.08 $1,673.47 $3,468.83

3/11/2022 $892.50 Post 3/1/22 11/1/21 $892.50 $0.00 $855.37 $1,673.47 $3,468.833/21/2022 Pre Pre 12/1/21 $0.00 $855.37 7/1/2017 $837.69 $835.78 $3,468.83 3/21/2022 Pre Pre 1/1/22 $0.00 $855.37 8/1/2017 $837.69 -$1.91 $3,468.83 3/30/2022 Pre $0.00 $855.37 $330.12 $328.21 $3,798.954/13/2022 $892.50 Post 4/1/22 2/1/22 $891.32 $1.18 $1.18 $856.55 $328.21 $3,798.954/28/2022 Pre $0.00 $856.55 $388.62 $716.83 $4,187.57

Reversal $0.00 $856.55 -$957.67 $1,674.50 $4,187.57 

Pre Pre 3/1/22 $0.00 $856.55 9/1/2017 $837.25 $837.25 $4,187.57 Pre Pre 4/1/22 $0.00 $856.55 10/1/2017 $837.25 $0.00 $4,187.57 

$0.00 $856.55 $0.00 $4,187.57

Post due 5/1/22 $0.00 $856.55 $0.00 $4,187.57

$0.00 $856.55 $0.00 $4,187.57$0.00 $856.55 $0.00 $4,187.57$0.00 $856.55 $0.00 $4,187.57

Case 17-35412-KRH Doc Filed 05/26/22 Entered 05/26/22 13:43:39 Desc M

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