Official Form 410S1 Notice ofMortgage PaymentChange page 1

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: U.S. Bank National Association, as Trustee 

for LEHMAN XS TRUST MORTGAGE PASS-THROUGH

CERTIFICATES, SERIES 2007-7N

Last four digits of any number you

use to identify the debtor’s account: XXXXXX2549

Court claim no. (if known): 5-1

Date of payment change:

Must be at least 21 days after date of

this notice

New total payment:

Principal, interest, and escrow, if any

04/01/2020

$4206.00

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 nonbankruptcy law.Describe the basis

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

Current escrow payment: $1010.83 New escrow payment: $1120.30

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 nonbankruptcy law. If a notice is not attached,

explain why: _

Current interest rate: % New interest rate: %

Current principal and interest payment: $ New principal andinterest 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 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 VICTOR H HERRERA

Debtor 2

(Spouse, if filing)

United States Bankruptcy Court for the SOUTHERN District of FLORIDA

(State)

Case number 19-17088-JKO

Fill in this information to identify the case:

Case 19-17088-PGH Doc Filed 02/24/20 Page 1 of 7
Official Form 410S1 Notice ofMortgage PaymentChange page 2

Debtor 1 VICTOR H HERRERA Case number (if known) 19-17088-JKO

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.

Print: Kenia Molina Title Authorized Agent 

First Name Middle Name Last Name

Company: McCalla Raymer Leibert Pierce, LLC

Address 1544 Old Alabama Road

Number Street

Roswell GA 30076

City State ZIP Code

Contact phone 954-332-9426 Email kenia.molina@mccalla.com

***If the Debtor and lender are currently participating in the Mortgage Modification Mediation

Program, this Notice of Payment Change is for notice purposes only and will be abated pending

the outcome of the mediation. If the Debtor does not modify the mortgage, the notices will be

effective pursuant to the Notice of Payment Change.

X /s/Kenia Molina Date 2/24/2020 

Signature

Case 19-17088-PGH Doc Filed 02/24/20 Page 2 of 7
UNITED STATES BANKRUPTCY COURT 

SOUTHERN DISTRICT OF FLORIDA

Bankruptcy Case No.: 19-17088-JKO

In Re: Chapter: 13

Judge:

VICTOR H HERRERA

CERTIFICATE OF SERVICE

I, Kenia Molina, of McCalla Raymer Leibert Pierce, LLC, 1544 Old Alabama Road, Roswell, GA 30076,

certify:

That I am, and at all times hereinafter mentioned, was more than 18 years of age;

That on the date below, I caused to be served a copy of the within NOTICE OF MORTGAGE

PAYMENT CHANGE filed in this bankruptcy matter on the following parties at the addresses shown, by

regular United States Mail, with proper postage affixed, unless another manner of service is expressly

indicated:

VICTOR H HERRERA

3551 SW 128 AVE

HOLLYWOOD, FL 33027

RICARDO CORONA ESQ

3899 NW 7 ST SECOND FLOOR,

MIAMI, FL 33126

ROBIN R WEINER

POB 559007,

FORT LAUDERDALE, FL 33355

OFFICE OF THE US TRUSTEE

51 SW 1ST AVE

SUITE 1204

MIAMI, FL 33130

(Served Via ECF Notification)

(Served Via ECF Notification)

(Served Via ECF Notification)

I CERTIFY UNDER PENALTY OF PERJURY THAT THE FOREGOING IS TRUE AND CORRECT.

By: /s/Kenia Molina

Kenia Molina

Authorized Agent

Executed on: February 24, 2020

 Paul G. Hyman, Jr.

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Escrow Account Disclosure Statement

Customer Service: 888-480-2432

Monday through Thursday from 7 a.m. to 8 p.m. (CT),

Friday from 7 a.m. to 7 p.m. (CT) and Saturday from 8 a.m.

to 12 p.m. (CT)

Tax /Insurance: 866-825-9267

Monday through Thursday from 8 a.m. to 9 p.m. (ET),

Friday from 8 a.m. to 7 p.m. (ET) and Saturday from 9 a.m.

to 3 p.m. (ET)

Your Loan Number: 

Statement Date: 01/08/2020

8950 Cypress Waters Blvd.

Coppell, TX 75019

VICTOR HERRERA

3551 SW 128TH AVE

MIRAMAR,FL 33027

Why am I

receiving this?

Mr. Cooper completed an analysis of your escrow account to ensure that the account is funded correctly, determine any surplus or

shortage, and adjust your monthly payment accordingly. Mr. Cooper maintains an escrow cushion equal to two months' estimated

taxes and insurance (unless limited by your loan documents or state law). This measure helps to avoid a negative balance in the

event of changing tax and insurance amounts.

 

What does this

mean for me?

At this time, your Escrow Account has less money than needed and there is a shortage of $0.00. Due to this shortage and changes in

your taxes and insurance premiums, your monthly escrow payment will increase by $109.47. Effective 04/01/2020, your

new total monthly payment** will be $4,206.00.

 

What do I

need to do?

You may either 1) make the new monthly payment listed of $4,206.00 or 2) pay the shortage in part or in full by sending

the full or partial shortage amount along with the completed coupon below. If you choose to pay in full, please note your new

monthly payment will be $4,206.00, which includes adjustments made for changes in taxes and insurance premiums. No action is

required at this time as the shortage amount = $0.00.

Total Payment Current Monthly

Payment Payment Changes New Monthly

Payment

PRINCIPAL AND INTEREST $3,085.70 $0.00 $3,085.70

ESCROW $1,010.83 $109.47 $1,120.30

Total Payment

See below for shortage calculation

$4,096.53 $109.47 $4,206.00

What is a Shortage? A shortage is the difference between the lowest projected balance of your account for the coming year and your minimum

required balance. To prevent a negative balance, the total annual shortage is divided by 12 months and added to your monthly escrow payment, as shown

below.

Minimum Required Balance Lowest Projected Balance

$2,240.60 $2,240.60

$0.00 / 12 = $0.00

Please see the Coming Year Projections table on the back for more details

Escrow Payment

Breakdown

Current Annual

Disbursement Annual Change Anticipated Annual

Disbursement

COUNTY TAX $4,380.00 $171.58 $4,551.58

HAZARD SFR $7,149.00 $1,142.00 $8,291.00

FLOOD SFR $601.00 $0.00 $601.00

Annual Total $12,130.00 $1,313.58 $13,443.58

If you have questions about changes to your property taxes or homeowners’ insurance premiums, please contact your local taxing authority or insurance provider. For more

information about your loan, please sign in at www.mrcooper.com.

Mr. Cooper is a brand name for Nationstar Mortgage LLC. Nationstar Mortgage LLC is doing business as Nationstar Mortgage LLC d/b/a Mr.

Cooper. Mr. Cooper is a registered service mark of Nationstar Mortgage LLC. All rights reserved.

Please be advised this communication is sent for informational purposes only and is not intended as an attempt to collect, assess, or

recover a claim against, or demand payment from, any individual protected by the U.S. Bankruptcy Code. If this account has been

discharged in a bankruptcy proceeding, be advised this communication is for informational purposes only and not an attempt to

collect a debt against you; however, the servicer/lender reserves the right to exercise the legal rights only against the property

securing the loan obligation, including the right to foreclose its lien under appropriate circumstances. Nothing in this communication

shall be construed as an attempt to collect against the borrower personally or an attempt to revive personal liability.

If you are a successor in interest (received the property from a relative through death, devise, or divorce, and you are not a borrower on the loan)

that has not assumed, or otherwise become obligated on the debt, this communication is for informational purposes only and is not an attempt to

collect a debt from you personally.

This Area Intentionally Left Blank

SHRT

Case 19-17088-PGH Doc Filed 02/24/20 Page 6 of 7
The change in your escrow payment** may be based on one or more of the following factors:

PAYMENT(S) TAXES INSURANCE

● Monthly payment(s) received were less than ● Tax rate and/or assessed value changed ● Premium changed

or greater than expected ● Exemption status lost or changed ● Coverage changed

● Monthly payment(s) received earlier or later ● Supplemental/Delinquent tax paid ● Additional premium paid

than expected ● Paid earlier or later than expected ● Paid earlier or later than expected

● Previous overage returned to escrow ● Tax installment not paid ● Premium was not paid

● Previous deficiency/shortage not paid entirely ● Tax refund received ● Premium refund received

● New tax escrow requirement paid ● New insurance escrow requirement paid

 

● Force placed insurance premium paid

Prior Year Account History and Coming Year Projections

This is a statement of the actual activity in your escrow account from 04/19 through 03/21. This statement itemizes your actual

escrow account transactions since your previous analysis statement or initial disclosure, and projects payments, disbursements, and

balances for the coming year. The projections from your previous escrow analysis are included with the actual payments and disbursements for the prior

year. By comparing the actual escrow payment with the previous projections listed, you can determine where a difference may have occurred. When applicable,

the letter 'E' beside an amount indicates that a payment or disbursement has not yet occurred but is estimated to occur as shown.

Projections are included to ensure sufficient funds are available to pay your taxes and /or insurance for the coming year. Under Federal

Law (RESPA), the lowest monthly balance in your escrow account should be no less than $2,240.60 or 1/6th of the total annual projected disbursement from

your escrow account, unless your mortgage documents or state law specifies otherwise. Your projected estimated lowest account balance of $2,240.60 will be

reached in December 2020. When subtracted from your minimum required balance of $2,240.60, an Escrow Shortage results in the amount of $0.00. These

amounts are indicated with an arrow (<).

This escrow analysis is based on the assumption that all escrow advances made on your loan prior to your bankruptcy filing date are included

in your bankruptcy plan and will be paid in the plan. This analysis considers insurance, taxes and other amounts that will come due after the

filing of your bankruptcy case.

Month

Projected

Payment

Actual

Payment

Projected

Disbursement

Actual

Disbursement Description Projected

Balance

Actual

Balance

 Start $7,485.68 ($76,222.91)

04/19 $1,010.67 $837.61*E $0.00 $0.00 $8,496.35 ($75,385.30) 

05/19 $1,010.83 $837.61*E $0.00 $0.00 $9,507.18 ($74,547.69) 

06/19 $1,010.83 $1,010.83E $0.00 $0.00 $10,518.01 ($73,536.86) 

07/19 $1,010.83 $1,010.83E $0.00 $0.00 $11,528.84 ($72,526.03) 

08/19 $1,010.83 $1,010.83E $0.00 $0.00 $12,539.67 ($71,515.20) 

09/19 $1,010.83 $1,010.83E $0.00 $0.00 $13,550.50 ($70,504.37) 

10/19 $1,010.83 $1,010.83E $0.00 $0.00 $14,561.33 ($69,493.54) 

11/19 $1,010.83 $1,010.83 $4,380.00 $4,551.58* * COUNTY TAX $11,192.16 ($73,034.29) 

12/19 $1,010.83 $1,010.83 $7,149.00 $0.00 HAZARD SFR $5,053.99 ($72,023.46) 

01/20 $1,010.83 $1,010.83 $0.00 $8,291.00* * HAZARD SFR $6,064.82 ($79,303.63) 

01/20 $0.00 $74,547.29E $0.00 $0.00 Anticipated Payments 11/11-03/19 $6,064.82 ($4,756.34) 

02/20 $1,010.83 $1,010.83E $0.00 $0.00 $7,075.65 ($3,745.51) 

03/20 $1,010.83 $1,010.83 $601.00 $601.00E E FLOOD SFR $7,485.48 ($3,335.68) 

Total $12,129.80 $86,330.81 $12,130.00 $13,443.58 Total $7,485.48 ($3,335.68)

Month

Projected

Payment

Projected

Disbursement Description Current

Balance

Required

Balance

Projected

 Start ($3,335.68) ($3,335.68)

04/20 $1,120.30 $0.00 ($2,215.38) ($2,215.38) 

04/20 $8,336.16 $0.00 BK ADJ $6,120.78 $6,120.78 

05/20 $1,120.30 $0.00 $7,241.08 $7,241.08 

06/20 $1,120.30 $0.00 $8,361.38 $8,361.38 

07/20 $1,120.30 $0.00 $9,481.68 $9,481.68 

08/20 $1,120.30 $0.00 $10,601.98 $10,601.98 

09/20 $1,120.30 $0.00 $11,722.28 $11,722.28 

10/20 $1,120.30 $0.00 $12,842.58 $12,842.58 

11/20 $1,120.30 $4,551.58 COUNTY TAX $9,411.30 $9,411.30 

12/20 $1,120.30 $8,291.00 HAZARD SFR $2,240.60 $2,240.60<

01/21 $1,120.30 $0.00 $3,360.90 $3,360.90 

02/21 $1,120.30 $0.00 $4,481.20 $4,481.20 

03/21 $1,120.30 $601.00 FLOOD SFR $5,000.50 $5,000.50 

Total $21,779.76 $13,443.58 Total $5,000.50 $5,000.50

Bankruptcy Adjustment- The Prior Year Account History and Coming Year Projections section of the Annual Escrow Account Disclosure Statement may

contain a line item called "Bankruptcy Adjustment". This amount is a credit based upon the unpaid portion of the escrow funds listed on the proof of claim to

be paid through the Chapter 13 plan. The amount of the credit is calculated and applied to reach the minimum required balance for the escrow account as

allowed under the loan documents and applicable non-bankruptcy law. The credit may not represent the total outstanding amount of escrow funds owed in the

proof of claim but ensures that any escrow funds listed on the proof of claim to be paid through the plan will not be collected through the escrow shortage or

surplus listed in the Annual Escrow Account Disclosure Statement. In some instances, only a portion of the proof of or surplus listed in the Annual Escrow

Account Disclosure Statement. In some instances, only a portion of the proof of claim escrow funds are listed as a credit to reach the required minimum

account balance.

You will receive an Annual Escrow Account Disclosure Statement reflecting the actual disbursements at the end of the next escrow analysis cycle. However,

you should keep this statement for your own records for comparison. If a previous escrow analysis statement was sent to you by your previous servicer, please

refer to that statement for comparison purposes. If you have any questions, please call Latory Lakes at 866-316-2432. Our hours of operation are Monday

through Friday from 8 a.m. to 5 p.m. (CT). Visit us on the web at www.mrcooper.com for more information.

Note: Any disbursements listed after the date of this statement are assumed to be projected or estimated.

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