Official Form 410S1 Notice of Mortgage Payment Change page 1

OfficialForm 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: _______________________________________ Court claim no. (if known): _____________________ 

Last 4 digits of any number you use to 

identify the debtor’s account: ____ ____ ____ ____ 

Date of payment change: 

Must be at least 21 days after date 

of this notice 

_____________ 

New total payment:

Principal, interest, and escrow, if any

$ ____________ 

Part 1: Escrow Account Payment Adjustment 

1. Will there be a change in the debtor’s escrow account payment?

q No

q 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: $ _______________ New escrow payment: $ _______________

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?

q No

q 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?

q No

q 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: $ _______________

Debtor 1 __________________________________________________________________ 

Debtor 2 ________________________________________________________________ 

(Spouse, if filing)

United States Bankruptcy Court for the: __________ District of __________ 

Case number ___________________________________________ 

Fill in this information to identify the case: 

Ava C Benjamin

Southern Florida

19-25801-LMI

Habitat for Humanity of Greater Miami, Inc. 7

7 1 7 2 1/1/2021

943.86

936.15 621.63

Case 19-25801-LMI Doc 70 Filed 12/10/20 Page 1 of 6
Debtor 1 _______________________________________________________ Case number (if known) _____________________________________ First Name Middle Name Last Name

Official Form 410S1 Notice of Mortgage Payment Change page 2

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.

q I am the creditor.

q 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. 

û_____________________________________________________________ Date ___________________ 

Signature

Print: _________________________________________________________ Title ___________________________

First Name Middle Name Last Name

Company _________________________________________________________

Address _________________________________________________________

Number Street

___________________________________________________

City State ZIP Code

Contact phone ________________________ Email ________________________ 

Ava C Benjamin 19-25801-LMI

11/16/2020

Jennifer Laufgas Authorized Agent for Creditor

Aldridge Pite, LLP

3575 Piedmont Road, N.E. Suite 500

Atlanta GA 30305

(404 ) 994-7400 jlaufgas@aldridgepite.com

Case 19-25801-LMI Doc 70 Filed 12/10/20 Page 2 of 6
Loan: | Analysis Date: 2020-11-11 | 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

 12/01/20 THROUGH 12/31/20.

 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 ......................................... 492.62 2023.92-

12/20 492.62 633.36 *Y Y 985.24 1390.56-

01/21 492.62 * 1477.86

02/21 492.62 * 1970.48

03/21 492.62 * 2463.10

04/21 492.62 * 2955.72

05/21 492.62 * 3448.34

06/21 492.62 * 3940.96

07/21 492.62 * 4433.58

08/21 492.62 * 4926.20

09/21 492.62 * 5418.82

10/21 492.62 * 5911.44

11/21 492.62 * 3329.41 CONS TAX * 3074.65

Case 19-25801-LMI Doc 70 Filed 12/10/20 Page 3 of 6
Loan: | Analysis Date: 2020-11-11 | Page: 2

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

 MADE DURING THIS PERIOD EQUALING 3,329.41. UNDER FEDERAL LAW,

 YOUR LOWEST MONTHLY BALANCE SHOULD NOT HAVE EXCEEDED 985.24

 (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 985.24.

 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 : 2,582.00

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

 ANNUAL DISBURSEMENTS : 5,911.41

 5,911.41 / 12 = 492.62 ESCROW PAYMENT

 PAYMENTS PAYMENTS CURRENT BAL REQUIRED BAL

MO/YR TO FROM DESCRIPTION PROJECTION PROJECTION

BALANCE AS OF 12/31/20.......................... 1,390.56- 985.21

01/21 492.62 897.94- 1,477.83

02/21 492.62 405.32- 1,970.45

03/21 492.62 87.30 2,463.07

04/21 492.62 579.92 2,955.69

05/21 492.62 1,072.54 3,448.31

06/21 492.62 1,565.16 3,940.93

07/21 492.62 2,057.78 4,433.55

08/21 492.62 2,550.40 4,926.17

09/21 492.62 3,043.02 5,418.79

10/21 492.62 3,535.64 5,911.41

11/21 492.62 3,329.41 CONS TAX 698.85 3,074.62

12/21 492.62 2,582.00 PROP INS 1,390.53- 985.24

 THE EXPECTED AMOUNT IN YOUR ESCROW ACCOUNT IS 1,390.56-. YOUR

 STARTING BALANCE ACCORDING TO THIS ANALYSIS SHOULD BE 985.21 .

Case 19-25801-LMI Doc 70 Filed 12/10/20 Page 4 of 6
Loan: | Analysis Date: 2020-11-11 | Page: 3

 THIS MEANS YOU HAVE A SHORTAGE OF 1,548.12.** 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

 943.86 OF WHICH 322.23 WILL BE FOR PRINCIPAL AND

 INTEREST AND 492.62 WILL GO INTO YOUR ESCROW ACCOUNT.

 NEW PAYMENT INFORMATION

 PRINCIPAL AND INTEREST 322.23

 ESCROW PAYMENT 492.62

 OVER/SHORT SPREAD 129.01

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

 NEW PAYMENT EFFECTIVE 01/01/21 943.86

 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 70 Filed 12/10/20 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: December 10, 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 70 Filed 12/10/20 Page 6 of 6