Official Form 410S1 Notice of Mortgage Payment Change page 1

Fill in this information to identify the case: 

Debtor 1 Brenda Lee Wade-Lester

Debtor 2 

(Spouse, if filing) 

United States Bankruptcy Court for the: Southern District of Florida 

 (State) 

Case number 19-17977-SMG 

 

Official Form 410S1 

Notice of Mortgage Payment Change 12/15/15 

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 

the Yurt Series IV Trust Court claim no. (if known): 5-1 

Last 4 digits of any number you use to 

identify the debtor's account: XXXXXXXX6684 

Date of Payment Change: 

Must be at least 21 days after date 

of this notice 1/1/2022 

 

New total payment: 

Principal, interest, and escrow, if any $ 701.49 

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: $ 304.46 New escrow payment: $ 441.39 

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? 

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? 

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.) 

 

Case 19-17977-SMG Doc 170 Filed 12/08/21 Page 1 of 6
Official Form 410S1 Notice of Mortgage Payment Change page 2

Debtor 1 Brenda Lee Wade-Lester Case number (if known) 19-17977-SMG 

First Name Middle Name Last Name 

 Reason for change: 

 Current mortgage payment: $ New mortgage payment: $ 

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 claim is true and correct to the best of my knowledge,

information, and reasonable belief. 

X /s/ Matthew Klein Date 12/8/2021 

Signature 

Print: Matthew Klein Title Attorney for Secured Creditor 

First Name Middle Name Last Name 

Company Howard Law Group 

 

Address 4755 Technology Way, Suite 104 

Number Street 

Boca Raton FL 33431 

City State ZIP Code 

Contact Phone 954-893-7874 Email matthew@howardlaw.com 

 

I HEREBY CERTIFY that on December 8, 2021, I electronically filed the foregoing with the Clerk of Court by 

using the CM/ECF System, which will send a notice of electronic filing to all CM/ECF participants: 

Robin R Weiner, POB 559007, Fort Lauderdale, FL 33355 

Office of the US Trustee, 51 S.W. 1st Ave., Suite 1204, Miami, FL 33130 

And a copy was mailed via US Mail to: 

Brenda Lee Wade-Lester, 3519 NW 32 Street, Lauderdale Lakes, FL 33309 

Case 19-17977-SMG Doc 170 Filed 12/08/21 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

BRENDA WADE LESTER

3519 NW 32ND ST

LAUDERDALE LAKE FL 33309

Analysis Date: November 23, 2021 Final

Property Address: 3519 NORTHWEST 32ND STREET LAUDERDALE LAKES, FL 33309 Loan:

Annual Escrow Account Disclosure Statement

Account History

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

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

Oct 01, 2021

(1,497.87)

913.38

260.10

304.46

0.00

0.00 484.76

($1,069.25)

$564.56

Payment Information Escrow Balance Calculation

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: $701.49

0.00

0.00

441.39

260.10

Current:

**

Effective Jan 01, 2022:

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

Reserve Acct Payment: 0.00 0.00

Payments to Escrow

Date Anticipated Actual

Payments From Escrow

Anticipated Actual Actual

Escrow Balance

Description Required

Starting Balance 0.00 (7,712.20)

Jun 2021 452.86 * 0.00 (7,259.34)

Jun 2021 580.50 * Escrow Only Payment 0.00 (6,678.84)

Jul 2021 452.86 * 0.00 (6,225.98)

Aug 2021 452.86 * 0.00 (5,773.12)

Aug 2021 626.89 * Forced Place Insur 0.00 (6,400.01)

Sep 2021 452.86 * 0.00 (5,947.15)

Sep 2021 869.16 * Forced Place Insur 0.00 (6,816.31)

Oct 2021 452.86 * 0.00 (6,363.45)

Oct 2021 242.56 * Forced Place Insur 0.00 (6,606.01)

Nov 2021 6,727.65 * Escrow Only Payment 0.00 121.64

Nov 2021 242.38 * Forced Place Insur 0.00 (120.74)

Nov 2021 1,377.13 * County Tax 0.00 (1,497.87)

Anticipated Transactions 0.00 (1,497.87)

Nov 2021 608.92 242.38 Forced Place Insur (1,131.33)

Dec 2021 304.46 242.38 Forced Place Insur (1,069.25)

$0.00 $10,485.83 $0.00 $3,842.88

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.

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Case 19-17977-SMG Doc 170 Filed 12/08/21 Page 3 of 6
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 19-17977-SMG Doc 170 Filed 12/08/21 Page 4 of 6
Analysis Date: November 23, 2021 Final

Borrower: BRENDA WADE LESTER 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 (1,069.25) 595.01

Jan 2022 406.72 242.38 Forced Place Insur (904.91) 759.35

Feb 2022 406.72 595.00 Flood Insurance (1,093.19) 571.07

Feb 2022 242.38 Forced Place Insur (1,335.57) 328.69

Mar 2022 406.72 242.38 Forced Place Insur (1,171.23) 493.03

Apr 2022 406.72 242.38 Forced Place Insur (1,006.89) 657.37

May 2022 406.72 242.38 Forced Place Insur (842.55) 821.71

Jun 2022 406.72 242.38 Forced Place Insur (678.21) 986.05

Jul 2022 406.72 242.38 Forced Place Insur (513.87) 1,150.39

Aug 2022 406.72 242.38 Forced Place Insur (349.53) 1,314.73

Sep 2022 406.72 242.38 Forced Place Insur (185.19) 1,479.07

Oct 2022 406.72 242.38 Forced Place Insur (20.85) 1,643.41

Nov 2022 406.72 1,377.13 County Tax (991.26) 673.00

Nov 2022 242.38 Forced Place Insur (1,233.64) 430.62

Dec 2022 406.72 242.38 Forced Place Insur (1,069.30) 594.96

$4,880.64 $4,880.69

(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 328.69. A cushion is an additional amount of funds held in your escrow

Federal law, your lowest monthly balance should not exceed 813.45 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 (1,069.25). Your starting

balance (escrow balance required) according to this analysis should be $595.01. This means you have a shortage of 1,664.26.

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 collect it over 48

months.

We anticipate the total of your coming year bills to be 4,880.69. We divide that amount by the number of payments expected during

the coming year to obtain your escrow payment.

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Case 19-17977-SMG Doc 170 Filed 12/08/21 Page 5 of 6
New Escrow Payment Calculation

Unadjusted Escrow Payment 406.72

Surplus Amount:

Shortage Amount:

0.00

34.67

Rounding Adjustment Amount: 0.00

Escrow Payment: $441.39

Paying the shortage: If your shortage is paid in full, your new

monthly payment will be $666.82 (calculated by subtracting the

Shortage Amount to the left and rounding, if applicable). Paying the

shortage does not guarantee that your payment will remain the same, as

your tax or insurance bills may have changed. If you would like to pay

the shortage now, please pay the entire amount of the shortage before

the effective date of your new payment. To ensure that the funds are

posted to your account correctly, please notify your asset manager that

you are paying the shortage.

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: BRENDA WADE LESTER Loan:

Analysis Date: November 23, 2021 Final

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