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: Wells Fargo Bank, National Association as 

Trustee for Option One Mortgage Loan Trust 

2005-4, Asset-Backed Certificates, Series 

2005-4

Court claim no. (if known): 1

Last four digits of any number you 

use to identify the debtors’ account:

XXXXXX3458 Date of payment change:

Must be at least 21 days after date of 

this notice

6/1/2023

New total payment:

Principal, interest, and escrow, if any $906.26

Part 1: Escrow Account Payment Adjustment

1. Will there be a change in the debtors’ 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: $ 840.49* New escrow payment : $ 571.88

Part 2: Mortgage Payment Adjustment

2. Will the debtors’ principal and interest payment change based on an adjustment to the interest rate in the debtors’ 

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: % 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 debtors’ 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 Marlene Laforest

Debtor 2

(Spouse, if filing)

United States Bankruptcy Court for the : Southern District of Florida

(State)

Case number 19-20438-PGH

Case 19-20438-PGH Doc 92 Filed 04/26/23 Page 1 of 8
Official Form 410S1 Notice of Mortgage Payment Change page 2

 Debtor 1 Marlene Laforest Case number (if known) 19-20438-PGH

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 04/20/2023

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.

*The ‘current escrow payment’ in the attached Escrow Statement will not match the previously filed NOPC or POC as this escrow payment is 

based off the contractual due date. The current escrow payment included in this Notice of Payment Change is based off the previously filed 

court record. This will not have any impact on the borrower.”

Case 19-20438-PGH Doc 92 Filed 04/26/23 Page 2 of 8
Bankruptcy Case No.: 19-20438-PGH

In Re: Chapter: 13

Marlene Laforest Judge: Paul G. Hyman, Jr.

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: 

Marlene Laforest

2380 Superior St

Opa Locka, FL 33054

Matthew T Bayard (served via ECF Notification)

4343 W. Flagler St.

Ste. 100

Miami, FL 33134

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

P.O. Box 279806

Miramar, FL 33027

U.S. Trustee (served via ECF Notification)

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: 04/26/2023 By: /s/Ciro A Mestres

(date) Ciro A Mestres

Authorized Agent for Creditor

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