Official Form 410S1 1RWLFHRI0RUWJDJH3D\PHQW&KDQJH page 1

2IILFLDO)RUP 410S1 

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of this notice _____________

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Principal, interest, and escrow, if any $____________BBBB

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 No

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

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Debtor 2 

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

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

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Case 19-32200-KRH Doc Filed 07/25/19 Entered 07/25/19 10:26:18 Desc Main

Document Page 1 of 7
Official Form 410S1 1RWLFHRI0RUWJDJH3D\PHQW&KDQJH page 

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. 

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 I am the creditor.

 I am the creditor’s authorized agent.

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Signature

First Name Middle Name Last Name

Company _B____________________BB____________________________________

Address ___________________________B_________BB______BB______________

Number Street

BBBB_______________________________________________BBBBBBBB__

City State ZIP Code

Contact phone BBBBBBBBBBBBBBBBBBBBBBBBB BBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBBB

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✔

/s/Milton Williams 07/25/2019

WILLIAMS,MILTON VP Loan Documentation

Wells Fargo Bank, N.A.

MAC N9286-01Y

1000 Blue Gentian Road

Eagan MN 55121-7700

800-274-7025 NoticeOfPaymentChangeInquiries@wellsfargo.com

Case 19-32200-KRH Doc Filed 07/25/19 Entered 07/25/19 10:26:18 Desc Main

Document Page 2 of 7
UNITED STATES BANKRUPTCY COURT

Chapter No.

Judge:

In re:

Debtors

CERTIFICATE OF SERVICE

Debtor: 

Debtor’s Attorney: 

Trustee:

@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@

Eastern District of Virginia

13 1932200

Kevin R. Huennekens

Amy Louise Chapman 

I hereby certify that this Notice, including all attachments, is being served on or before July 26, 2019 via filing with the US

Bankruptcy Court's CM ECF system and/or by mailing or providing a copy of this document to a vendor for mailing: By U.S. Postal

Service First Class Main Postage Prepaid or FedEx.

Amy Louise Chapman

12313 Corter Ave

Fredericksburg VA 22407

N/A

Tommy Andrews, Jr.

Tommy Andrews, Jr. P.C.

122 North Alfred St.

Alexandria VA 22314

N/A

Carl M. Bates

Trustee

P. O. Box 1819

Richmond VA 23218

/s/Milton Williams

VP Loan Documentation

Wells Fargo Bank, N.A.

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Case 19-32200-KRH Doc Filed 07/25/19 Entered 07/25/19 10:26:18 Desc Main

Document Page 3 of 7
Return Mail Operations

PO Box 14547

Des Moines, IA 50306-4547

Customer Service

Escrow Review Statement

For informational purposes only

Statement Date: July 11, 2019

Loan number:

Property address:

12313 CORTER AVE 

FREDERICKSBURG VA 22407-6633

See Page 2 for additional details.

PERF

Online

wellsfargo.com

Correspondence

PO Box 10335

Des Moines, IA 50306

To learn more, go to:

wellsfargo.com/escrow

Telephone

1-800-340-0473

Hours of operation

Mon - Fri 7 a.m. - 7 p.m. CT

We accept telecommunications relay service calls

The escrow account has a shortage of

$19.95

AMY L CHAPMAN

12313 CORTER AVE

FREDERICKSBURG VA 22407

PLEASE NOTE: If you are presently seeking relief (or have previously been granted

relief) under the United States Bankruptcy Code, this statement is being sent to you

for informational purposes only. The summaries below are based on the terms of the

loan and are provided for informational purposes only.

These amounts are governed by the terms of the loan unless otherwise reduced by an

order of the bankruptcy court. Because the amounts billed for the escrow items can

change over time, we review the escrow account at least once per year to ensure there

will be enough money to make these payments. Once the review is complete, we send

the escrow review statement, also known as the escrow account disclosure statement.

Here's what we found:

• Required Minimum Balance: The escrow account balance is projected to

fall below the required minimum balance. This means there is a shortage.

• Payments: As of the September 1, 2019 payment, the contractual portion

of the escrow payment increases.

 Part 1 - Mortgage payment

Option 1 Pay the shortage amount over 12 months

Previous payment through

08/01/2019 payment date

New payment beginning with

the 09/01/2019 payment

Principal and/or interest $689.42 $689.42

Escrow payment $175.37 $178.85

Total payment amount $864.79 $868.27

Option 1: No action required

Starting September 1, 2019 the new contractual

payment amount will be $868.27

Option 2 Pay the shortage amount of $19.95

Previous payment through

08/01/2019 payment date

New payment beginning with

the 09/01/2019 payment

Principal and/or interest $689.42 $689.42

Escrow payment $175.37 $177.19

Total payment amount $864.79 $866.61

Option 2: Pay shortage in full

Starting September 1, 2019 the new contractual

payment amount will be $866.61

708 

Wells Fargo Home Mortgage

PO Box 105632

Atlanta, GA 30348-5632

AMY L CHAPMAN

5 10 02 00086369 00086661 00088364 00001995 6

Note: If you are presently seeking relief (or have previously been granted relief) under the United

States Bankruptcy Code, this coupon is being provided for informational purposes only. If your

Chapter 13 plan calls for your Chapter 13 Trustee to make the on-going post-petition mortgage

payments, please contact your attorney or the Trustee’s office before directly sending any

amounts relating to this escrow shortage

If you choose to pay the shortage in full as referenced in Option 2, detach this coupon

and mail it along with a check for $19.95 to the address that appears on this coupon.

This payment must be received no later than September 1, 2019.

Case 19-32200-KRH Doc Filed 07/25/19 Entered 07/25/19 10:26:18 Desc Main

Document Page 4 of 7
 Part 2 - Payment calculations 

For the past review period, the amount of the escrow items was $643.60. For the coming year, we expect the amount paid from escrow to be

$2,126.20.

Page 2 of 3 

Loan Number:

How was the escrow payment calculated?

To determine the escrow payment, we add the projected escrow items to be paid over the next 12 months. We base these projected amounts on any

escrow items that may have been paid in the past and any future anticipated payments to be made. We then divide the amounts by 12 payments to

determine the escrow amount.

The chart below includes any actual escrow disbursements as well as any shortage that may have been identified for the past three analysis periods up

through the date of the analysis.

Escrow comparison

09/17 - 08/18

(Actual)

09/18 - 08/19

(Actual)

05/19 - 07/19

(Actual)

09/19 - 08/20

(Projected) # of

months

New monthly

escrow

amount

Property taxes $1,192.39 $1,276.27 $643.60 $1,287.20 ÷ 12 = $107.27

Property insurance $826.00 $839.00 $0.00 $839.00 ÷ 12 = $69.92

Total taxes and insurance $2,018.39 $2,115.27 $643.60 $2,126.20 ÷ 12 = $177.19

Escrow shortage $401.46 $362.37 $0.00 $19.95 ÷ 12 = $1.66**

Total escrow $2,419.85 $2,477.64 $643.60 $2,146.15 ÷ 12 = $178.85

**This amount is added to the payment if Option 1 on page 1 is selected.

Projected escrow account activity over the next 12 months

To determine if there will be a shortage or overage in the account, we calculate whether the amount of the lowest projected escrow balance will be

greater or less than the required minimum balance. This is determined by subtracting the required minimum balance from the lowest projected

balance. If the outcome is positive, there is an overage. If it is negative, there is a shortage. The calculation is below:

Lowest projected escrow balance May, 2020 -$75.52 (Calculated in Part 3 - Escrow account projections

table)

Bankruptcy adjustment‡ + $409.95

Minimum balance for the escrow account† - $354.38 (Calculated as: $177.19 X 2 months)

Escrow shortage = -$19.95

‡

This adjustment of $409.95, is the remaining amount of the pre-petition escrow shortage included in our proof of claim being paid through the

confirmed bankruptcy plan.

†

The minimum balance includes a cash reserve to help cover any increase in taxes and/or insurance. To calculate the cash reserve for the escrow

account, we add the yearly escrow payments, and divide by 12. We take this amount and multiply it by 2 as allowed by state laws and/or the mortgage

contract to determine the cash reserve.

Case 19-32200-KRH Doc Filed 07/25/19 Entered 07/25/19 10:26:18 Desc Main

Document Page 5 of 7
Page 3 of 3 

Loan Number:

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. ©2018 Wells Fargo Bank, N.A. All rights

reserved. NMLSR ID 399801 4/18

 Part 3 - Escrow account projections

Escrow account projections from September, 2019 to August, 2020

Date

Payments to

escrow

What we

expect to

pay out Description

Projected escrow

balance

Balance required

in the account

Aug 2019 Starting balance $455.97 $885.87

Sep 2019 $177.19 $0.00 $633.16 $1,063.06

Oct 2019 $177.19 $0.00 $810.35 $1,240.25

Nov 2019 $177.19 $643.60 SPOTSYLVANIA COUNTY(A) $343.94 $773.84

Dec 2019 $177.19 $0.00 $521.13 $951.03

Jan 2020 $177.19 $0.00 $698.32 $1,128.22

Feb 2020 $177.19 $839.00 TRAVELERS $36.51 $466.41

Mar 2020 $177.19 $0.00 $213.70 $643.60

Apr 2020 $177.19 $0.00 $390.89 $820.79

May 2020 $177.19 $643.60 SPOTSYLVANIA COUNTY(A) -$75.52 $354.38

Jun 2020 $177.19 $0.00 $101.67 $531.57

Jul 2020 $177.19 $0.00 $278.86 $708.76

Aug 2020 $177.19 $0.00 $456.05 $885.95

Totals $2,126.28 $2,126.20

 Part 4 - Escrow account history

Escrow account activity from May, 2019 to August, 2019

Deposits to escrow Payments from escrow Escrow balance

Date Actual Projected Difference Actual Projected Difference Description Actual Projected Difference

May 2019 Starting Balance -$1,319.81 $808.04 -$2,127.85

May 2019 $0.00 $175.37 -$175.37 $643.60 $632.67 $10.93 SPOTSYLVANIA COUNTY(A) -$1,963.41 $350.74 -$2,314.15

Jun 2019 $161.87 $175.37 -$13.50 $0.00 $0.00 $0.00 -$1,801.54 $526.11 -$2,327.65

Jul 2019

(estimate)

$2,082.14 $175.37 $1,906.77 $0.00 $0.00 $0.00 $280.60 $701.48 -$420.88

Aug 2019

(estimate)

$175.37 $175.37 $0.00 $0.00 $0.00 $0.00 $455.97 $876.85 -$420.88

Totals $1,717.90 $10.93 $2,419.38 $701.48 $643.60 $632.67

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