Official Form 410S1 Notice of Mortgage Payment Change 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: THE BANK OF NEW YORK MELLON FKA 

THE BANK OF NEW YORK AS TRUSTEE 

FOR THE CERTIFICATEHOLDERS OF 

CWABS INC., ASSET-BACKED 

CERTIFICATES, SERIES 2007-11

Court claim no. (if known): 8

Last four digits of any number you 

use to identify the debtor’s account:

XXXXXX9855 Date of payment change:

Must be at least 21 days after date of 

this notice

7/1/2021

New total payment:

Principal, interest, and escrow, if any $1,307.12

Part 1: Escrow Account Payment Adjustment

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

 No

 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: $ 107.10 New escrow payment : $ 109.97

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 account?

 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: 3.00000% New interest rate: 4.00000%

Current principal and interest payment: $ 1,136.77 New principal and interest payment: $ 1,197.15

Part 3: Other Payment Change

3. Will there be a change in the debtor’s mortgage payment for a reason not listed above?

 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: $ _________

Fill in this information to identify the case:

Debtor 1 Marco A Paez

Debtor 2

(Spouse, if filing)

United States Bankruptcy Court for the : Southern District of Florida

(State)

Case number 19-19489-lmi

Case 19-19489-LMI Doc 64 Filed 06/01/21 Page 1 of 8
Official Form 410S1 Notice of Mortgage Payment Change page 2

 Debtor 1 Marco A Paez Case number (if known) 19-19489-lmi

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.

  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.

X /s/Ciro A Mestres Date 5/19/2021

Signature

Print: Ciro A Mestres Title Authorized Agent for Creditor

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 678-281-6516 Email Ciro.Mestres@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.

Case 19-19489-LMI Doc 64 Filed 06/01/21 Page 2 of 8
Bankruptcy Case No.: 19-19489-lmi

In Re: Chapter: 13

Marco A Paez Judge: Laurel M Iscoff

CERTIFICATE OF SERVICE

I, Ciro A Mestres, 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: 

Marco A Paez

360 Nw 114 Ave, #105

Miami, FL 33172

Ricardo Corona, Esq. (served via ECF Notification)

3899 NW 7 St

Miami, FL 33126 

Nancy K. Neidich, Trustee (served via ECF Notification)

P.O. Box 279806

Miramar, FL 33027

U.S. Trustee (served via ECF Notification)

Office of the US Trustee 51 S.W. 1st Ave. 

Suite 1204 

Miami, FL 33130

I CERTIFY UNDER PENALTY OF PERJURY THAT THE FOREGOING IS TRUE 

AND CORRECT.

Executed on: 6/1/2021 By: /s/Ciro A Mestres

(date) Ciro A Mestres

Authorized Agent for Creditor

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Shellpoint Mortgage Servicing

Servicing

PO Box 10826

Greenville, SC 29603 0826

For Inquiries: (800) 365-7107

Analysis Date: May 24, 2021

MARCO A PAEZ Loan:

KARLA D PAEZ

360 NW 114th Ave Apt 105

Miami FL 33172

Property Address:

360 NW 114TH AVE APT 105

MIAMI, FL 33172

Annual Escrow Account Disclosure Statement - Account History

The following is an overview of your escrow account with Shellpoint Mortgage Servicing. It contains the history of escrow payments made on your

behalf in the prior year, and a snapshot of the anticipated disbursements for the coming year. Any potential adjustments due to increases or

decreases with your escrow items may affect your monthly escrow payment. If your escrow payment increases, your monthly payment will also

increase. If the escrow payment decreases, your mortgage payment will decrease.

October 01, 2020

$2,284.51

$963.90

$1,136.77

$107.10

$0.00

$0.00 $0.00

$1,243.87 $3,248.41

Payment Information Escrow Balance Calculation

Due Date:

Escrow Balance:

Anticipated Pmts to Escrow:

Anticipated Pmts from Escrow (-):

Anticipated Escrow Balance:

P & I Pmt:

Escrow Pmt:

Other Funds Pmt:

Asst. Pmt (-):

Total Payment: $1,307.12

$0.00

$0.00

$109.97

$1,197.15

Contractual

**

Effective Jul01, 2021

Reserve Acct Pmt: $0.00 $0.00

Shortage/Overage Information Effective Jul01, 2021

Upcoming Total Annual Bills

Required Cushion

Required Starting Balance

Escrow Shortage

Cushion Calculation: Because Shellpoint Mortgage Servicing does not set your tax

amounts or insurance premiums, your escrow balance contains a cushion of219.94.

A cushion is an additional amount of funds held in your escrow in order to prevent the

balance from becoming overdrawn when an increase in the disbursement amount

occurs. Your lowest monthly balance should not be below219.94 or 1/6 of the

anticipated payment from the account.

$219.94

$0.00

Prior Esc Pmt

P & I Pmt:

Escrow Pmt:

Other Funds Pmt:

Asst. Pmt (-):

Total Payment:

Resrv Acct Pmt:

August 01, 2020

$1,136.77

$107.10

$0.00

$0.00

$0.00

$1,243.87

$989.72

$1,319.63

** The terms of your loan may result in changes to the monthly principal and interest payments during the year.

Payments to Escrow

Date Anticipated Actual

Payments From Escrow

Anticipated Actual Actual

Escrow Balance

Description Required

This is a statement of actual activity in your escrow account from Aug2020 to June 2021. Last year's anticipated activity (payments to and from your

escrow account) is next to the actual activity.

Starting Balance 1,071.01 (128.04)

Aug 2020 107.10 202.14 * 1,178.11 74.10

Sep 2020 107.10 101.07 * 1,285.21 175.17

Oct 2020 107.10 101.07 * 1,392.31 276.24

Nov 2020 107.10 101.07 1,285.21 1,319.63 * County Tax 214.20 (942.32)

Dec 2020 107.10 107.10 321.30 (835.22)

Jan 2021 107.10 107.10 428.40 (728.12)

Feb 2021 107.10 107.10 535.50 (621.02)

Mar 2021 107.10 107.10 642.60 (513.92)

Apr 2021 107.10 107.10 749.70 (406.82)

May 2021 107.10 107.10 856.80 (299.72)

Jun 2021 107.10 * 963.90 (299.72)

Anticipated Transactions 963.90 (299.72)

Jun 2021 963.90 P 664.18

$1,178.10 $2,111.85 $1,285.21 $1,319.63

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.

P - The letter (P) beside an amount indicates that the payment or disbursement has not yet occurred but is estimated to occur as shown .

Case 19-19489-LMI Doc 64 Filed 06/01/21 Page 7 of 8
Shellpoint Mortgage Servicing

For Inquiries: (800) 365-7107

Analysis Date: May 24, 2021

Loan:

Annual Escrow Account Disclosure Statement - Projections for Coming Year

Date Anticipated Payments

To Escrow From Escrow Description

Escrow Balance

Anticipated Required

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.

Starting Balance 3,248.41 989.72

Jul 2021 109.97 3,358.38 1,099.69

Aug 2021 109.97 3,468.35 1,209.66

Sep 2021 109.97 3,578.32 1,319.63

Oct 2021 109.97 3,688.29 1,429.60

Nov 2021 109.97 1,319.63 County Tax 2,478.63 219.94

Dec 2021 109.97 2,588.60 329.91

Jan 2022 109.97 2,698.57 439.88

Feb 2022 109.97 2,808.54 549.85

Mar 2022 109.97 2,918.51 659.82

Apr 2022 109.97 3,028.48 769.79

May 2022 109.97 3,138.45 879.76

Jun 2022 109.97 3,248.42 989.73

$1,319.64 $1,319.63

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

Your ending balance from the last month of the account history (escrow balance anticipated) is 3,248.41. Your starting

balance (escrow balance required) according to this analysis should be $989.72. 

We anticipate the total of your coming year bills to be1,319.63. 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 $109.97

Surplus Reduction:

Shortage Installment:

$0.00

$0.00

Rounding Adjustment Amount: $0.00

Escrow Payment: $109.97

If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loan

This notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable

bankruptcy laws or who might be subject to the automatic stay of Section362 of the United States Bankruptcy Code. However, it may be a notice of possible enforcement of the lien against the

collateral property, which has not been discharged in your bankruptcy.

Notice of Error or Information Request Address

You have certain rights under Federal law related to resolving errors in the servicing of your loan and requesting information about your loan. If you want to request information about your loan

or if you believe an error has occurred in the servicing of your loan and would like to submit an Error Resolution or Information Request, please write to us at the following address:

Shellpoint Mortgage Servicing

PO Box 10826

Greenville, SC 29603 0826

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