UNITED STATES BANKRUPTCY COURT 

SOUTHERN DISTRICT OF FLORIDA 

MIAMI DIVISION

IN RE: 

LEANA I. ADORNO 

AKA LEANA IDZA ADORNO 

AKA LEANA IDZA ADORNO MARTINEZ, 

DEBTOR(S) 

_________________________________________/ 

CASE NO.: 19-26674-RAM 

CHAPTER 13

RESPONSE TO DEBTOR’S OBJECTION TO NOTICE OF POSTPETITION 

MORTGAGE FEES, EXPENSES AND CHARGES 

 Creditor, Carrington Mortgage Services, LLC as Servicer for THE BANK OF NEW 

YORK MELLON, F/K/A THE BANK OF NEW YORK AS TRUSTEE FOR THE 

CERTIFICATEHOLDERS OF CWABS, INC., ASSET-BACKED CERTIFICATES, SERIES 

2004-5 (the “Creditor”), by and through counsel, responds in opposition to the Debtor’s Objection 

to Notice of Postpetition Mortgage Fees, Expenses and Charges (Doc. No.34) and states: 

1. The fees should not be considered “unreasonable and excessive” as the fees are set 

by the Federal National Mortgage Association. The current allowable fee total for a Chapter 13 

Plan Review and a Chapter 13 Proof of Claim is $950.00 and the allowable fee total for an 

Objection to the Chapter 13 Plan is $550.00 as seen on the Fannie Mae fee schedule attached hereto 

as Exhibit “A”. Additionally, invoices for the Chapter 13 Plan Review, Chapter 13 Proof of Claim 

and Objection to Chapter 13 Plan are attached hereto as Exhibit “B”. 

2. Moreover, as the Creditor properly charged the allowable $300.00 for a Chapter 13 

Plan Review and the allowable $650.00 for a Chapter 13 Proof of Claim on February 27, 2020 and 

the allowable $550 for an Objection to Chapter 13 Plan on January 30, 2020 for a combined total 

of $1500.00, the Debtor’s Objection should be denied. 

Case 19-26674-RAM Doc 44 Filed 05/04/20 Page 1 of 6
WHEREFORE, the Creditor respectfully requests that the Court enter an Order approving 

the Notice of Postpetition Mortgage Fees, Expenses and Charges, and denying Debtor’s Objection 

to the Notice of Postpetition Mortgage Fees, Expenses and granting any other relief deemed just 

and proper. 

Respectfully submitted by, 

VAN NESS LAW FIRM, PLC 

1239 E. Newport Center Drive, Suite 110 

Deerfield Beach, FL 33442 

Phone (954) 571-2031 

/s/ Maya Rubinov 

Maya Rubinov, Esquire 

Florida Bar No.: 99986 

bankruptcy@vanlawfl.com

CERTIFICATE OF SERVICE 

 I CERTIFY that a true copy of the foregoing was served on May 1, 2020 by CM/ECF 

electronic filing to all registered parties in this matter and by U.S. Mail to the non-registered party 

or parties below. 

Respectfully submitted by, 

VAN NESS LAW FIRM, PLC 

1239 E. Newport Center Drive, Suite 110 

Deerfield Beach, FL 33442 

Phone (954) 571-2031 

/s/ Maya Rubinov 

Maya Rubinov, Esquire 

Florida Bar No.: 99986 

bankruptcy@vanlawfl.com 

MAILING MATRIX: 

LEANA I. ADORNO 

4601 NW 178TH STREET 

OPA LOCKA, FL 33055 

AKA LEANA IDZA ADORNO 

AKA LEANA IDZA ADORNO MARTINEZ 

Case 19-26674-RAM Doc 44 Filed 05/04/20 Page 2 of 6
This document is confidential and contains proprietary information of Fannie Mae. FL AAA Matrix – Version 25 (Revised 01/15/2020) 

© 2020 Fannie Mae. Trademarks of Fannie Mae. 7

Allowable Fees – CHAPTER 13 BANKRUPTCY 

Allowable 

Fee Type 

Maximum 

Allowable 

Applicable 

Dates Notes

Motion for 

Relief 

$1,050 

Services 

rendered on 

or after 

12/01/2019 

See Chapter 7 Motion for Relief

$850

Services 

rendered 

11/01/2013 –

11/30/2019 

Proof of 

Claim 

Preparation 

& Plan 

Review

$950

Services 

rendered on 

or after 

12/01/2019 

These fees include:

x Communicating with the servicer to obtain the necessary information about the 

debtor’s loan(s) and backup documentation for the POC; 

x Preparing and filing the POC form, and up to one amended POC form; 

x Verifying that the POC is properly docketed; 

x Monitoring the docket, and obtaining and reviewing the original and up to two 

amended Plans; 

x Analyzing Plan(s); 

x Reviewing any disclosure statement and ballot (if applicable); and 

x Communicating and negotiating with the Servicer, any trustee and debtor’s 

counsel. 

Fannie Mae will authorize excess fees in unusually complex cases in accordance 

with our usual excess fee approval process. The fee for POC & Plan Review covers 

all Fannie Mae mortgage loans involved in a proceeding.

$650

Services 

rendered 

11/01/2013 -

11/30/2019 

*Fannie Mae Allowable Attorney Fees are available at www.fanniemae.com/singlefamily/servicing

EXHIBIT "A"

Case 19-26674-RAM Doc 44 Filed 05/04/20 Page 3 of 6
This document is confidential and contains proprietary information of Fannie Mae. FL AAA Matrix – Version 25 (Revised 01/15/2020) 

© 2020 Fannie Mae. Trademarks of Fannie Mae. 8

Allowable Fees – CHAPTER 13 BANKRUPTCY (continued) 

Allowable 

Fee Type 

Maximum 

Allowable 

Applicable 

Dates Notes

Objection to 

Plan

$550

Services 

rendered on 

or after 

12/01/2019 

These fees include the legal services generally required in connection with the 

prosecution of an Objection to Plan, including communications with the servicer, 

legal research, preparation and filing of objection papers, negotiations with 

debtor’s counsel and trustee, attendance at up to two hearings, and preparing a 

stipulation or order.

This allowable fee covers all Objections to the original Plan and up to two 

amended Plans, regardless of the number of Objections required, the number of 

debtors involved, or the number of Fannie Mae loans involved. 

 

Fees for any legal work related to Objections to the third and subsequent 

Amended Plans, litigated or contested Objections, or Objections related to new 

factual or legal issues raised in any amended Plans, will require excess fee 

approval. 

$500

Services 

rendered 

11/01/2013 –

11/30/2019 

Payment 

Change 

Notification

$125

All active files 

effective 

08/16/2017 or 

later

Fannie Mae is clarifying that this fee includes all legal services provided by a law 

firm in compliance with Bankruptcy Rule 3002.1 concerning notices of payment 

change amounts. The allowable fee covers communications with the servicer; 

drafting, serving and filing the requisite bankruptcy form (BK Form B10S1); and 

verifying that the Notice is docketed properly. This fee is allowed for each 

occurrence of a payment change, even if notices must be given to multiple 

debtors.

$50 

Services 

rendered on 

or after 

12/01/2011 

and files 

closed prior to 

08/16/2017 

Notice of 

Fees, 

Expenses, 

and Charges 

$150

All active files 

effective 

08/16/2017 or 

later

This fee includes all legal services provided by bankruptcy counsel in compliance 

with Bankruptcy Rule 3002.1 concerning notices of post-petition fees, charges, or 

expenses that the creditor seeks to collect from the debtor. This allowable fee 

includes communications with the servicer; verifying the validity of the fees, 

expenses, or charges being sought; drafting, serving and filing the requisite form 

(Form B10S2); and verifying that the Notice is docketed properly. 

This fee is allowed for each Notice of Fees, Expenses and Charges, even if 

notices must be given to multiple debtors. However, the fee is limited to notices 

for fees, expenses and charges that aggregate $150 or more. If a servicer incurs 

out-of-pocket expenses that aggregate less than $150, (a) a notice may be filed at 

the servicer’s expense as a cost of servicing or (b) attempts to collect from the 

borrower may be waived and reimbursement may be sought by the servicer from 

Fannie Mae in accordance with the provisions of the Servicing Guide. 

$100

Services 

rendered on 

or after 

11/01/2013 

and files 

closed prior to 

08/16/2017 

*Fannie Mae Allowable Attorney Fees are available at www.fanniemae.com/singlefamily/servicing

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