OfficialForm410S1 NoticeofMortgagePaymentChange page 1

OfficialForm410S1

NoticeofMortgagePaymentChange 12/15

Ifthedebtor’splanprovidesforpaymentofpostpetitioncontractualinstallmentsonyourclaimsecuredbyasecurityinterestinthe

debtor’sprincipalresidence,youmustusethisformtogivenoticeofanychangesintheinstallmentpaymentamount.Filethisform

asasupplementtoyourproofofclaimatleast21daysbeforethenewpaymentamountisdue.SeeBankruptcyRule3002.1.

Nameofcreditor:_______________________________________ Courtclaimno.(ifknown):_____________________

Last4digitsofanynumberyouuseto

identifythedebtor’saccount: ________________

Dateofpaymentchange:

Mustbeatleast21daysafterdate

ofthisnotice

_____________

Newtotalpayment:

Principal,interest,andescrow,ifany

$____________

Part1: EscrowAccountPaymentAdjustment

1. Willtherebeachangeinthedebtor’sescrowaccountpayment?

q No

q Yes.Attachacopyoftheescrowaccountstatementpreparedinaformconsistentwithapplicablenonbankruptcylaw.Describe

thebasisforthechange. Ifastatementisnotattached,explainwhy:___________________________________________

__________________________________________________________________________________________________

Current escrowpayment: $_______________ Newescrowpayment: $_______________

Part2: MortgagePaymentAdjustment

2. Willthedebtor’sprincipalandinterestpaymentchangebasedonanadjustmenttotheinterestrateonthedebtor's

variable-rateaccount?

q No

q Yes.Attachacopyoftheratechangenoticepreparedinaformconsistentwithapplicablenonbankruptcylaw.Ifanoticeisnot

attached,explainwhy:_______________________________________________________________________________

__________________________________________________________________________________________________

Currentinterestrate: _______________% Newinterestrate: _______________%

Currentprincipalandinterestpayment: $_______________ Newprincipalandinterestpayment: $_______________

Part3: OtherPaymentChange

3. Willtherebeachangeinthedebtor’smortgagepaymentforareasonnotlistedabove?

q No

q Yes.Attachacopyofanydocumentsdescribingthebasisforthechange,suchasarepaymentplanorloanmodificationagreement.

(Courtapprovalmayberequiredbeforethepaymentchangecantakeeffect.)

Reasonforchange:___________________________________________________________________________________

Currentmortgagepayment:$_______________ Newmortgagepayment: $_______________

Debtor1 __________________________________________________________________

Debtor2 ________________________________________________________________

(Spouse,iffiling)

UnitedStatesBankruptcyCourtforthe: __________ Districtof__________

Casenumber ___________________________________________

Fillinthisinformationtoidentifythecase:

AvaCBenjamin

Southern Florida

19-25801-LMI

HabitatforHumanityofGreaterMiami,Inc. 7

7 1 7 2 11/1/2020

1258.38

443.68 936.15

Case 19-25801-LMI Doc 68 Filed 10/05/20 Page 1 of 6
Debtor1 _______________________________________________________ Casenumber(ifknown)_____________________________________ FirstName MiddleName LastName

OfficialForm410S1 NoticeofMortgagePaymentChange page 2

Part4: SignHere

ThepersoncompletingthisNoticemustsignit.Signandprintyournameandyourtitle,ifany,andstateyouraddressand

telephonenumber.

Checktheappropriatebox.

q Iamthecreditor.

q Iamthecreditor’sauthorizedagent.

Ideclareunderpenaltyofperjurythattheinformationprovidedinthisclaimistrueandcorrecttothebestofmy

knowledge,information,andreasonablebelief.

û_____________________________________________________________ Date ___________________

Signature

Print: _________________________________________________________ Title ___________________________

FirstName MiddleName LastName

Company _________________________________________________________

Address _________________________________________________________

Number Street

___________________________________________________

City State ZIP Code

Contactphone ________________________ Email________________________

AvaCBenjamin 19-25801-LMI

09/29/2020

JenniferLaufgas AuthorizedAgentforCreditor

AldridgePite,LLP

3575PiedmontRoad,N.E.Suite500

Atlanta GA 30305

(404)994-7400 jlaufgas@aldridgepite.com

Case 19-25801-LMI Doc 68 Filed 10/05/20 Page 2 of 6
Loan: | Analysis Date: 2020-09-21 | Page: 1

 AVA MARKS 

 C/O ROBERT SANCHEZ

 355 W 49 ST

 HIALEAH FL 33012

 ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT

 ACCOUNT HISTORY

 THIS IS A STATEMENT OF ACTUAL ACTIVITY IN YOUR ESCROW ACCOUNT FROM

 03/01/20 THROUGH 10/31/20.

 YOUR MONTHLY MORTGAGE PAYMENT FOR THE PAST YEAR WAS

 863.65 OF WHICH 322.23 WAS FOR PRINCIPAL AND INTEREST

 AND 541.42 WENT INTO YOUR ESCROW ACCOUNT.

 PROJ ACTUAL PROJ ACTUAL PROJ ACTUAL

 ESCROW ESCROW ESCROW ESCROW ESCROW ESCROW

MO/YR DEPOSIT DEPOSIT PAYMENTS DESCRIPTION PAYMENTS BALANCE BALANCE

STARTING BALANCE ......................................... 2218.35 7473.64-

03/20 443.68 * 2662.03 7473.64-

04/20 443.68 * 3105.71 7473.64-

05/20 443.68 * 3549.39 7473.64-

06/20 443.68 * 3993.07 7473.64-

07/20 443.68 * 1994.70 PROP INS * 2442.05 7473.64-

08/20 443.68 3390.56 * 2885.73 4083.08-

09/20 443.68 8226.74 *Y PROP INS 4662.00*Y 3329.41 518.34-

10/20 443.68 443.68 Y Y 3773.09 74.66-

11/20 443.68 * 3329.41 CONS TAX * 887.36

12/20 443.68 * 1331.04

01/21 443.68 * 1774.72

02/21 443.68 * 2218.40

Case 19-25801-LMI Doc 68 Filed 10/05/20 Page 3 of 6
Loan: | Analysis Date: 2020-09-21 | Page: 2

 LAST YEAR, WE ANTICIPATED THAT PAYMENTS FROM YOUR ACCOUNT WOULD BE

 MADE DURING THIS PERIOD EQUALING 5,324.11. UNDER FEDERAL LAW,

 YOUR LOWEST MONTHLY BALANCE SHOULD NOT HAVE EXCEEDED 887.36

 (NO MORE THAN TWICE LAST YEARS PROJECTED MONTHLY ESCROW PAYMENT),

 UNLESS YOUR MORTGAGE CONTRACT OR STATE LAW SPECIFIES A LOWER AMOUNT.

 UNDER YOUR MORTGAGE CONTRACT AND STATE LAW, YOUR LOWEST MONTHLY

 BALANCE SHOULD NOT HAVE EXCEEDED 887.36.

 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.

 ACCOUNT PROJECTION

 TAXES : 3,329.41

 HAZARD INS : 4,662.00

 ---------------------------------------

 ANNUAL DISBURSEMENTS : 7,991.41

 7,991.41 / 12 = 665.95 ESCROW PAYMENT

 PAYMENTS PAYMENTS CURRENT BAL REQUIRED BAL

MO/YR TO FROM DESCRIPTION PROJECTION PROJECTION

BALANCE AS OF 10/31/20.......................... 74.66- 3,995.36

11/20 665.95 3,329.41 CONS TAX 2,738.12- 1,331.90

12/20 665.95 2,072.17- 1,997.85

01/21 665.95 1,406.22- 2,663.80

02/21 665.95 740.27- 3,329.75

03/21 665.95 74.32- 3,995.70

04/21 665.95 591.63 4,661.65

05/21 665.95 1,257.58 5,327.60

06/21 665.95 1,923.53 5,993.55

07/21 665.95 4,662.00 PROP INS 2,072.52- 1,997.50

08/21 665.95 1,406.57- 2,663.45

09/21 665.95 740.62- 3,329.40

10/21 665.95 74.67- 3,995.35

 THE EXPECTED AMOUNT IN YOUR ESCROW ACCOUNT IS 74.66-. YOUR

 STARTING BALANCE ACCORDING TO THIS ANALYSIS SHOULD BE 3,995.36 .

Case 19-25801-LMI Doc 68 Filed 10/05/20 Page 4 of 6
Loan: | Analysis Date: 2020-09-21 | Page: 3

 THIS MEANS YOU HAVE A SHORTAGE OF 3,242.37.** THIS SHORTAGE MAY

 BE COLLECTED FROM YOU OVER A PERIOD OF 12 MONTHS OR MORE UNLESS THE

 SHORTAGE IS LESS THAN 1 MONTHS DEPOSIT, IN WHICH CASE WE HAVE THE

 OPTION OF REQUESTING PAYMENT WITHIN 30 DAYS. WE HAVE DECIDED TO

 COLLECT IT OVER 12 MONTHS.

 ** THIS AMOUNT HAS BEEN ADJUSTED FOR THE BANKRUPTCY PROOF OF CLAIM.

 YOUR MONTHLY MORTGAGE PAYMENT FOR THE COMING YEAR WILL BE

 1,258.38 OF WHICH 322.23 WILL BE FOR PRINCIPAL AND

 INTEREST AND 665.95 WILL GO INTO YOUR ESCROW ACCOUNT.

 NEW PAYMENT INFORMATION

 PRINCIPAL AND INTEREST 322.23

 ESCROW PAYMENT 665.95

 OVER/SHORT SPREAD 270.20

 --------------

 NEW PAYMENT EFFECTIVE 11/01/20 1,258.38

 KEEP THIS STATEMENT FOR COMPARISON WITH THE ACTUAL ACTIVITY IN YOUR

 ACCOUNT AT THE END OF THE NEXT ESCROW ACCOUNTING COMPUTATION YEAR.

Case 19-25801-LMI Doc 68 Filed 10/05/20 Page 5 of 6
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PROOF OF SERVICE

CERTIFICATE OF SERVICE

I HEREBY CERTIFY that a true and correct copy of the foregoing Notice of Mortgage 

Payment Change was served electronically or via U.S. Mail, first-class postage prepaid, to: 

SERVICE LIST

DEBTOR(S)

(VIA US MAIL)

Ava C Benjamin

2246 NW 61st Street

Miami, FL 33142-7829

DEBTOR(S) ATTORNEY

(VIA ELECTRONIC NOTICE)

Robert Sanchez, Esq

court@bankruptcyclinic.com

CHAPTER 13 TRUSTEE

(VIA ELECTRONIC NOTICE)

Nancy K. Neidich

e2c8f01@ch13miami.com

UNITED STATES TRUSTEE

(VIA ELECTRONIC NOTICE)

Office of the US Trustee

USTPRegion21.MM.ECF@usdoj.gov

Dated: October 5, 2020

/s/ Jennifer Laufgas

Jennifer Laufgas, FL Bar No. 56181

Aldridge Pite, LLP

Attorney for Secured Creditor

Fifteen Piedmont Center

3575 Piedmont Road, N.E., Suite 500

Atlanta, GA 30305

Phone: (561) 288-6815

Fax: (888) 873-6147

Email: jlaufgas@aldridgepite.com

Case 19-25801-LMI Doc 68 Filed 10/05/20 Page 6 of 6