Official Form 410S1 Notice of Mortgage Payment Change Page 1 

Fill in this information to identify the case:

Debtor 1 Darius Harris

Debtor 2 Nancy Harris

(Spouse, if filing) 

United States Bankruptcy Court for the: Eastern District of Virginia 

 (State) 

Case number 20-70503-SCS 

Official Form 410S1 

Amended 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: United Security Financial Corp. Court claim no. (if known): 11-2 

Last four digits of any number you 

use to identify the debtor's account: 3672 

Date of payment change:

Must be at least 21 days after date 

of this notice 

___04/01/2022___

New total payment: 

Principal, interest, and escrow, if any

$ 944.18 

Part 1: Escrow Account Payment Adjustment

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

No

X Yes Attach a copy of the escrow account statement prepared in a form consistent with applicable non-bankruptcy law. Describe 

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

__________________________________________________________________________________________________ 

Current escrow payment: $ 105.30__ New escrow payment: $ 116.02__

 Part 2: Mortgage Payment Adjustment

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

 debtor's variable-rate note?

X No

 Yes Attach a copy of the rate change notice prepared in a form consistent with applicable non-bankruptcy 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?

X 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: $________

Case 20-70503-SCS Doc Filed 02/25/22 Entered 02/25/22 16:23:42 Desc Main

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 Official Form 410S1 Notice of Mortgage Payment Change Page 2 

Debtor 1 Darius Harris Case Number (if known) 20-70503-SCS 

 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

 I am the creditor. 

 X I am the creditor's authorized agent.

 

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

knowledge, information, and reasonable belief.



 /s/ Todd Rich Date: 02/25/2022 

Signature

Print: Todd Rich VABN 74296 Title: Attorney for Creditor 

 First name Middle Name Last name

Company: MCMICHAEL TAYLOR GRAY, LLC

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 

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 Official Form 410S1 Notice of Mortgage Payment Change 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:

Via U.S. Mail

Darius Harris 

2613 Turnpike Rd. 

Portsmouth, VA 23707 

Nancy Harris 

2613 Turnpike Rd. 

Portsmouth, VA 23707 

 

Via CM/ECF electronic service:

Christopher M. Baker 

Boleman Law Firm 

272 Bendix Road 

Suite 330 

Virginia Beach, VA 23452 

Michael P. Cotter 

Chapter 13 Trustee 

870 Greenbrier Circle, Suite 402 

Chesapeake, VA 23320 

Dated: February 25, 2022 

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.: 22-000483-02 

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