Official Form 410S1 Notice of Mortgage Payment Change page 1

Fill in this information to identify the case: 

Debtor 1 Marco A. Paez 

Debtor 2 

United States Bankruptcy Court for the: Southern District of Florida

Case number : 19-19489-LMI

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 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., ASSETBACKED CERTIFICATES, SERIES 2007-11 

Court claim no. 

(if known):

8

Last 4 digits of any number 

you use to identify the debtor's 

account:

9855

Date of payment change:

Must be at least 21 days after date of 

this notice

08/01/2020

New total payment:

Principal, interest, and escrow, if any

$1,243.87

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 the applicable nonbankruptcy law.

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

Current escrow payment: $101.07 New escrow payment: $107.10

Part : 2 Mortgage Payment Adjustment

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

variable-rate account?

[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 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 19-19489-LMI Doc 60 Filed 07/06/20 Page 1 of 6
Official Form 410S1 Notice of Mortgage Payment Change page 2

Debtor 1 Marco A. Paez

First Name Middle Name Last Name

Case number (if known) 19-19489-LMI

Part 4: Sign Below

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 attorney or authorized agent. 

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

knowledge, information, and reasonable belief.

Date 

Signature

Print: Christopher Giacinto Title Authorized Agent for Creditor

Company Padgett Law Group

Address 6267 Old Water Oak Road, Suite 203

Tallahassee FL, 32312

Contact phone (850) 422-2520 Email PLGinquiries@padgettlawgroup.com

/s/ Christopher Giacinto 07/06/2020

Case 19-19489-LMI Doc 60 Filed 07/06/20 Page 2 of 6
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 has been furnished to the parties 

on the attached Service List by electronic service and/or by First Class U.S. Mail on this the _________ day of 

July, 2020. 

/S/ Christopher Giacinto

___________________________________

CHRISTOPHER GIACINTO

PADGETT LAW GROUP 

6267 Old Water Oak Road, Suite 203 

Tallahassee, FL 32312 

(850) 422-2520 (telephone)

(850) 422-2567 (facsimile)

PLGinquiries@padgettlawgroup.com

Authorized Agent for Creditor

6th

Case 19-19489-LMI Doc 60 Filed 07/06/20 Page 3 of 6
Official Form 410S1 Notice of Mortgage Payment Change page 4

SERVICE LIST (CASE NO. 19-19489-LMI)

Debtor

Marco A. Paez

360 Northwest 114th Avenue

#105

Miami, FL 33172

Attorney

Ricardo Corona, Esq. 

3899 NW 7 St, Second Floor 

Miami, FL 33126 

Trustee

Nancy K. Neidich 

POB 279806 

Miramar, FL 33027 

US Trustee

U.S. Trustee

Office of the US Trustee 

51 S.W. 1st Ave. 

Suite 1204 

Miami, FL 33130 

Case 19-19489-LMI Doc 60 Filed 07/06/20 Page 4 of 6
Shellpoint Mortgage Servicing

PO Box 10826

Greenville, SC 29603 0826

For Inquiries: (800) 365-7107

Analysis Date: May 31, 2020

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.

September 01, 2019

$784.58

$1,111.77

$1,073.46

$101.07

$0.00

$0.00 $0.00

$1,174.53 $1,896.35

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: $1,243.87

$0.00

$0.00

$107.10

$1,136.77

Contractual

**

Effective Aug 01, 2020

Reserve Acct Pmt: $0.00 $0.00

Shortage/Overage Information Effective Aug 01, 2020

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 of 214.20. 

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 below 214.20 or 1/6 of the 

anticipated payment from the account.

$214.20

$0.00

Prior Esc Pmt

P & I Pmt:

Escrow Pmt:

Other Funds Pmt:

Asst. Pmt (-):

Total Payment:

Resrv Acct Pmt:

July 01, 2020

$1,136.77

$101.07

$0.00

$0.00

$0.00

$1,237.84

$1,071.01

$1,285.21

** 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 Aug 2019 to July 2020. Last year's anticipated activity (payments to and from your 

escrow account) is next to the actual activity.

Starting Balance 1,010.72 (738.28)

Aug 2019 101.08 * 1,111.80 (738.28)

Sep 2019 101.08 * 1,212.88 (738.28)

Oct 2019 101.08 * 1,313.96 (738.28)

Nov 2019 101.08 1,212.89 1,285.21 * County Tax 202.15 (2,023.49)

Dec 2019 101.08 * 303.23 (2,023.49)

Jan 2020 101.08 101.07 0.01 * Hazard 404.30 (1,922.42)

Feb 2020 101.08 101.07 * 505.38 (1,821.35)

Mar 2020 101.08 101.07 * 606.46 (1,720.28)

Apr 2020 101.08 101.07 * 707.54 (1,619.21)

May 2020 101.08 101.07 * 808.62 (1,518.14)

Jun 2020 101.08 * 909.70 (1,518.14)

Jul 2020 101.08 * 1,010.78 (1,518.14)

Anticipated Transactions 1,010.78 (1,518.14)

Jul 2020 1,111.77 (406.37) P

$1,212.96 $1,617.12 $1,212.90 $1,285.21

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 60 Filed 07/06/20 Page 5 of 6
Shellpoint Mortgage Servicing

For Inquiries: (800) 365-7107

Analysis Date: May 31, 2020

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 1,896.35 1,071.01 

Aug 2020 107.10 2,003.45 1,178.11 

Sep 2020 107.10 2,110.55 1,285.21 

Oct 2020 107.10 2,217.65 1,392.31 

Nov 2020 107.10 1,285.21 County Tax 1,039.54 214.20 

Dec 2020 107.10 1,146.64 321.30 

Jan 2021 107.10 1,253.74 428.40 

Feb 2021 107.10 1,360.84 535.50 

Mar 2021 107.10 1,467.94 642.60 

Apr 2021 107.10 1,575.04 749.70 

May 2021 107.10 1,682.14 856.80 

Jun 2021 107.10 1,789.24 963.90 

Jul 2021 107.10 1,896.34 1,071.00 

$1,285.20 $1,285.21

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

We anticipate the total of your coming year bills to be 1,285.21. 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 $107.10

Shortage Installment: $0.00

Rounding Adjustment Amount: $0.00

Escrow Payment: $107.10

TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED, DISMISSED OR IS SUBJECT TO AN AUTOMATIC STAY OF BANKRUPTCY ORDER UNDER TITLE 11 OF THE UNITED STATES CODE, THIS 

NOTICE IS FOR COMPLIANCE AND INFORMATION PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR ANY ATTEMPT TO COLLECT ANY SUCH OBLIGATION.

Case 19-19489-LMI Doc 60 Filed 07/06/20 Page 6 of 6