Official Form 410S1 Notice of Mortgage Payment Change Page 1

Fill in this information to identify the case:

Debtor 1 Hector G Veliz

Debtor 2 Maria E Veliz

(Spouse, if filing) 

United States Bankruptcy Court for the: Southern District of Florida___________

 (State) 

Case number 20-10699

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 Trust National Association, as 

Trustee of Igloo Series V Trust

Court claim no. (if known): 4

Last four digits of any number you use 

to identify the debtor's account: 3303

Date of payment change:

Must be at least 21 days after date 

of this notice 

July 1, 2022

New total payment: 

Principal, interest, and escrow, if any

$3,584.63

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 non-bankruptcy law. Describe

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

__________________________________________________________________________________________________

Current escrow payment: $583.53 New escrow payment: $2,184.89

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?

 No

 Yes. Attach a copy of the rate change notice prepared in a form consistent with applicable non-bankruptcy 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?

 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 20-10699-PDR Doc 64 Filed 05/06/22 Page 1 of 6
Official Form 410S1 Notice of Mortgage Payment Change Page 2

Debtor 1 Hector G Veliz Case Number (if known) 20-10699

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.

 /s/ Melbalynn Fisher Date 05/06/2022

Signature

Print: Melbalynn Fisher___________ Title Bankruptcy Attorney First name Middle Name Last name

Company GHIDOTTI | BERGER LLP

Address 1920 Old Tustin Avenue

Number Street

Santa Ana, CA 92705 City State Zip Code

Contact phone (949) 427-2010 Email: bknotifications@ghidottiberger.com

Case 20-10699-PDR Doc 64 Filed 05/06/22 Page 2 of 6
323 FIFTH STREET

EUREKA CA 95501

(800) 603-0836

Para Español, Ext. 2660, 2643 o 2772

8:00 a.m. - 5:00 p.m. Pacific Time

Main Office NMLS #5985

Branch Office NMLS #9785

HECTOR G VELIZ

355 W 49TH ST

HIALEAH FL 33012

FinalAnalysis Date: May 03, 2022

Property Address: 17794 SOUTHWEST 28TH STREET MIRAMAR, FL 33029 Loan:

Annual Escrow Account Disclosure Statement

Account History

This is a statement of actual activity in your escrow account from Feb 2022 to June 2022. Last year's anticipated activity

(payments to and from your escrow account) is next to the actual activity.

Jan 01, 2022

1,695.80

3,501.18

1,399.74

583.53

0.00

5,559.120.00

($362.14)

$1,983.27

Escrow Balance CalculationPayment Information

Due Date:

Escrow Balance:

Anticipated Pmts to Escrow:

Anticipated Pmts from Escrow (-):

Anticipated Escrow Balance:

Principal & Interest Pmt:

Escrow Payment:

Other Funds Payment:

Assistance Payment (-):

Total Payment: $3,584.63

0.00

0.00

2,184.89

1,399.74

Current: Effective Jul 01, 2022:

0.00 0.00Reserve Acct Payment:

Payments to Escrow

Date Anticipated Actual

Payments From Escrow

Anticipated Actual Actual

Escrow Balance

RequiredDescription

Starting Balance 0.00 674.57

*958.09 0.00 1,632.66Feb 2022

*958.09 0.00 2,590.75Mar 2022

*958.09 0.00 3,548.84Apr 2022

* Forced Place Insur1,853.04 0.00 1,695.80Apr 2022

Anticipated Transactions 0.00 1,695.80

Forced Place Insur1,853.04 (157.24)Apr 2022

Forced Place Insur2,917.65 1,853.04 907.37May 2022

Forced Place Insur583.53 1,853.04 (362.14)Jun 2022

$0.00 $6,375.45 $0.00 $7,412.16

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.

Last year, we anticipated that payments from your account would be made during this period equaling 0.00. Under

Federal law, your lowest monthly balance should not have exceeded 0.00 or 1/6 of the anticipated payment from the

account, unless your mortgage contract or State law specifies a lower amount. Your mortgage contract and State law are

silent on this issue.

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Case 20-10699-PDR Doc 64 Filed 05/06/22 Page 3 of 6
FinalAnalysis Date: May 03, 2022

Borrower: HECTOR G VELIZ Loan:

Annual Escrow Account Disclosure Statement

Projections for Coming Year

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.

Date Anticipated Payments

To Escrow From Escrow Description

Escrow Balance

Anticipated Required

Starting Balance (362.14) 2,986.62

Forced Place InsurJul 2022 2,184.89 1,853.04 (30.29) 3,318.47

Forced Place InsurAug 2022 2,184.89 1,853.04 301.56 3,650.32

Forced Place InsurSep 2022 2,184.89 1,853.04 633.41 3,982.17

Forced Place InsurOct 2022 2,184.89 1,853.04 965.26 4,314.02

County TaxNov 2022 2,184.89 3,982.17 (832.02) 2,516.74

Forced Place InsurNov 2022 1,853.04 (2,685.06) 663.70

Forced Place InsurDec 2022 2,184.89 1,853.04 (2,353.21) 995.55

Forced Place InsurJan 2023 2,184.89 1,853.04 (2,021.36) 1,327.40

Forced Place InsurFeb 2023 2,184.89 1,853.04 (1,689.51) 1,659.25

Forced Place InsurMar 2023 2,184.89 1,853.04 (1,357.66) 1,991.10

Forced Place InsurApr 2023 2,184.89 1,853.04 (1,025.81) 2,322.95

Forced Place InsurMay 2023 2,184.89 1,853.04 (693.96) 2,654.80

Forced Place InsurJun 2023 2,184.89 1,853.04 (362.11) 2,986.65

$26,218.68 $26,218.65

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

Your escrow balance contains a cushion of 663.70. A cushion is an additional amount of funds held in your escrow

Federal law, your lowest monthly balance should not exceed 4,369.78 or 1/6 of the anticipated payment from the account,

unless your mortgage contract or State law specifies a lower amount. Your mortgage contract and State law are silent on

this issue.

balance to prevent the balance from becoming overdrawn when an increase in the disbursement amount occurs. Under

Your ending balance from the last month of the account history (escrow balance anticipated) is (362.14). Your starting

balance (escrow balance required) according to this analysis should be $2,986.62. This means you have a shortage of 3,348.76.

This shortage may be collected from you over a period of 12 months or more unless the shortage is less than 1 month's

deposit, in which case we have the additional option of requesting payment within 30 days. We have decided to do nothing.

We anticipate the total of your coming year bills to be 26,218.65. We divide that amount by the number of payments expected

during the coming year to obtain your escrow payment.

Page 2

Case 20-10699-PDR Doc 64 Filed 05/06/22 Page 4 of 6
New Escrow Payment Calculation

Unadjusted Escrow Payment 2,184.89

Surplus Amount:

Shortage Amount:

0.00

0.00

Rounding Adjustment Amount: 0.00

Escrow Payment: $2,184.89

NOTICE OF RIGHT TO CANCEL PRIVATE MORTGAGE INSURANCE: If you currently pay private mortgage insurance

premiums, you may have the right to cancel the insurance. In most cases, you have the right to cancel private mortgage insurance if

the principal balance of your loan is 80 percent or less of the current fair market appraised value of your home, and you have a good

payment history on your loan. If you want to learn whether you are eligible to cancel this insurance, please contact us at 323 Fifth

Street, Eureka, Ca 95501 or 800-603-0836.

* Please note if you have autopay/EFT set up on your loan, it is your responsibility to make sure your payment amount is

updated. Enclosed is the EFT form that needs to be completed. Once completed, please fax to the number listed on the EFT form

or return in the self-addressed envelope.

Borrower: HECTOR G VELIZ Loan:

FinalAnalysis Date: May 03, 2022

Page 3

Case 20-10699-PDR Doc 64 Filed 05/06/22 Page 5 of 6
CERTIFICATE OF SERVICE

On May 6, 2022, I served the foregoing documents described as Notice of mortgage payment

change on the following individuals by electronic means through the Court’s ECF program:

Debtors Attorney

Robert Sanchez, Esq

COURTNOTES@BANKRUPTCYCLINIC.COM

I declare under penalty of perjury under the laws of the United States of America that the 

foregoing is true and correct.

/s/ Maben May

Maben May

On May 6, 2022, I served the foregoing documents described as Notice of mortgage payment 

change on the following individuals by depositing true copies thereof in the United States mail at Santa 

Ana, California enclosed in a sealed envelope, with postage paid, addressed as follows: 

DEBTOR

Hector G Veliz

17794 SW 28th Street 

Miramar, FL 33029-5123

Maria E Veliz

17794 SW 28th Street 

Miramar, FL 33029-5123

Trustee

Robin R Weiner

Robin R. Weiner, Chapter 13 Trustee 

Post Office Box 559007 

Fort Lauderdale, FL 33355

U.S. Trustee

Office of the US Trustee

51 S.W. 1st Ave. 

Suite 1204 

Miami, FL 33130

I declare under penalty of perjury under the laws of the United States of America that the 

foregoing is true and correct.

/s/ Maben May

Maben May

Case 20-10699-PDR Doc 64 Filed 05/06/22 Page 6 of 6