Fill in this information to identify the case:

Debtor 1 Judith Holmes aka Judith M Holmes

aka Judith M Haynes

Debtor 2 

(Spouse, if filing)

United States Bankruptcy Court for the : SOUTHERN District of Florida

 (State)

Case number 19-25604-RAM

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 is due. See Bankruptcy Rule 3002.1.

Name of creditor: J.P. Morgan Mortgage Acquisition Corp. Court claim no. (if known): 1

Last 4 digits of any number you use to

identify the debtor’s account: 6443 

Date of payment change 3/1/2023

Must be at least 21 days after date 

Of this notice

New total payment: $839.41

Principal, interest, and escrow, if any 

 

 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: $ 287.06 New escrow payment: $ 286.43 

 

 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: $ . 

 

 Other Payment Change

Part 1:

Part 2:

Part 3:

Case 19-25604-RAM Doc 100 Filed 01/27/23 Page 1 of 9
Debtor 1 Judith Holmes aka Judith M Holmes aka Judith M Haynes Case number (if known: 19-25604-RAM

 First Name Middle Name Last Name

Official Form 410S1 Notice of Mortgage Payment Change page 2

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: $ . 

 

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

reasonable belief.

✘ /s/ Ida A. Moghimi-Kian . Date 01/27/2023 

 Signature 

Name Ida A. Moghimi-Kian . Title Attorney for the Creditor_. 

 First name Middle name Last name 

Company _Diaz Anselmo & Associates, P.A. . 

 

Address _P.O. BOX 19519 . 

 Number Street

 

 Fort Lauderdale, FL 33318

 City State Zip Code

Contacted phone (954) 564-0071 Email : IMoghimi-Kian@dallegal.com 

Part 4:

Case 19-25604-RAM Doc 100 Filed 01/27/23 Page 2 of 9
Debtor 1 Judith Holmes aka Judith M Holmes aka Judith M Haynes Case number (if known: 19-25604-RAM

 First Name Middle Name Last Name

Official Form 410S1 Notice of Mortgage Payment Change page 3

 

CERTIFICATE OF SERVICE

I HEREBY CERTIFY that on this day, January 27, 2023, a copy of the foregoing was furnished 

electronically and/or via first class U.S. Mail upon: 

JUDITH HOLMES AKA JUDITH M HOLMES

AKA JUDITH M HAYNES

17720 NW 41 AVENUE

OPA LOCKA, FL 33055

Debtor(s)

MANDY L MILLS

4343 W. FLAGLER STREET, STE. 100

MIAMI, FL 33134

Attorney for Debtor(s)

 

NANCY K.NEIDICH 

PO BOX 279806

MIRAMAR, FL 33027

Trustee

UNITED STATES TRUSTEE 

OFFICE OF THE U.S. TRUSTEE

51 S.W. 1ST AVE. SUITE 1204

MIAMI, FL 33130

U.S. Trustee

 

 Diaz Anselmo & Associates, P.A.

 Attorneys for Creditor (SHD No. 1461-184536) 

 P.O. BOX 19519

 Fort Lauderdale, FL 33318

 Phone: (954) 564-0071

 Fax: (954) 564-9252

 By: /s/ Ida A. Moghimi-Kian

 Ida A. Moghimi-Kian 

 Florida Bar No.56395

 IMoghimi-Kian@dallegal.com

Case 19-25604-RAM Doc 100 Filed 01/27/23 Page 3 of 9
Case 19-25604-RAM Doc 100 Filed 01/27/23 Page 4 of 9
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Case 19-25604-RAM Doc 100 Filed 01/27/23 Page 5 of 9
Case 19-25604-RAM Doc 100 Filed 01/27/23 Page 6 of 9
December 21, 2022 Loan Number: 7603846443 

How did Rushmore make the escrow calculations?

Step 1: Rushmore analyzes all items paid by the escrow account, we then calculate the amount that you’ll likely need to pay these

bills. 

Step 2: We take your anticipated taxes and/or insurance premiums to determine the total outgoing payments. We then divide the

total outgoing payments by 12 to determine your monthly escrow amount. 

Your total anticipated tax and/or insurance premium(s) are as follows:

Annual Property Taxes $1,566.74

Annual Property Insurance $1,870.44

Total $3,437.18 divided by 12 months = $286.43 

Step 3: We calculate the minimum required escrow balance. Your escrow account must have a minimum balance of $0.00 for the

next year.

Step 4: We calculate your annual escrow account projection for the coming year. If your monthly escrow balance falls below the

minimum balance of $0.00, your escrow account experiences a shortage. If our calculation determines that your monthly escrow

balance will not reach the minimum balance, your escrow account will have an overage.

The table below demonstrates the estimated activity in your escrow account for the coming year. 

What escrow activity is expected in the coming year?

The highlighted row indicates the lowest estimated escrow balance for the year of $7,085.05. The difference between the

lowest projected balance of $7,085.05 and the minimum required escrow balance of $0.00 is $7,085.05.

$7,085.05 is your escrow overage.

PAYMENTS ESTIMATED PAYMENTS FROM ESCROW ACCOUNT

TO ESCROW ACCOUNT BALANCE 

ESCROW MIP/PMI Taxes Flood Homeowner's Estimated Required

ACCOUNT Insurance Insurance

Anticipated Starting Balance $7,599.75 $514.70 Date of Activity

Mar 23 $286.43 $114.87 $7,771.31 $686.26

Apr 23 $286.43 $114.87 $7,942.87 $857.82

May 23 $286.43 $114.87 $8,114.43 $1,029.38

Jun 23 $286.43 $114.87 $8,285.99 $1,200.94

Jul 23 $286.43 $114.87 $8,457.55 $1,372.50

Aug 23 $286.43 $114.87 $8,629.11 $1,544.06

Aug 23 $492.00 $8,137.11 $1,052.06

Sep 23 $286.43 $114.87 $8,308.67 $1,223.62

Oct 23 $286.43 $114.87 $8,480.23 $1,395.18

Nov 23 $286.43 $1,566.74 $7,199.92 $114.87

Nov 23 $114.87 $7,085.05 $0.00

Dec 23 $286.43 $114.87 $7,256.61 $171.56

Jan 24 $286.43 $114.87 $7,428.17 $343.12

Feb 24 $286.43 $114.87 $7,599.73 $514.68

NOTE: If this escrow analysis indicates that there is a surplus, it may not mean that you are entitled to receive a return of that surplus. This

analysis was calculated based on an assumption that the account is current according to the terms of the note and Mortgage/Deed of Trust. If

the account is behind, in default, or in bankruptcy, this analysis may not reflect the current state of the account or the terms of a bankruptcy

plan. If there are enough funds in the escrow account the surplus will be mailed to you within 30 days, provided the account is current under the

terms of the note and Mortgage/Deed of Trust.

Back of coupon or check intentionally left blank

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Case 19-25604-RAM Doc 100 Filed 01/27/23 Page 7 of 9
December 21, 2022 Loan Number: 7603846443 

What escrow activity occurred since your last analysis?

The chart below reflects what actually happened in your escrow account since your last analysis. 

Between 09/2022 and 12/2022 a total of $861.18 was deposited to your escrow account and a total of $2,026.22 was disbursed from

your escrow account as follows. Totals for each disbursements are noted below.

COUNTY/PARIS: $1,566.74

HAZARD INS.: $459.48 

PAYMENTS TO ESCROW ESCROW BALANCE

ACCOUNT PAYMENTS FROM ESCROW ACCOUNT COMPARISON 

Month of Estimated Actual Estimated Actual Description Estimated Actual

Activity Starting Balance $984.78 $8,420.41

Sep 22 $287.06 $114.87 $114.87 HAZARD INS. $1,156.97 $8,305.54

Oct 22 $287.06 $287.06 $114.87 $114.87 HAZARD INS. $1,329.16 $8,477.73

Nov 22 $287.06 $287.06 $1,501.35 $1,566.74 COUNTY/PARIS $114.87 $7,198.05

Nov 22 $114.87 $114.87 HAZARD INS. $0.00 $7,083.18

Dec 22 $287.06 $287.06 $114.87 $114.87 HAZARD INS. E $172.19 $7,255.37

E—Indicates the activity has not yet occurred but is estimated to occur as shown. 

*If there is an amount listed in the “Actual” column under Payments To Escrow Account on Page 2 above, then this is the assumption that was made and

indicates the amount that would have been paid into escrow for a contractually current loan. This number does not represent payments that were actually

made by you. As discussed above, these escrow calculations are calculated based on an assumption that the account would be current according to the

terms of the note and mortgage/deed of trust.

Rushmore Loan Management Services LLC is a Debt Collector, who is attempting to collect a debt. Any information obtained will be used for

that purpose. However, if you are in Bankruptcy or received a Bankruptcy Discharge of this debt, this letter is being sent for informational

purposes only, is not an attempt to collect a debt and does not constitute a notice of personal liability with respect to the debt.

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Case 19-25604-RAM Doc 100 Filed 01/27/23 Page 8 of 9
*

December 21, 2022 Loan Number: 7603846443 

ADDITIONAL NOTICES

Rushmore Loan Management Services LLC is a Debt Collector attempting to collect a debt. 

Bankruptcy Notice. If you are in bankruptcy or if your obligation to repay this loan was discharged in bankruptcy, this

informational notice is sent to you in order to comply with statutory requirements. It is not an attempt to collect a debt. You may

disregard information relating to payment remittance. You are not obligated to make payments and any amount(s) you do pay

Rushmore is at your discretion. Please note, however, Rushmore reserves the right to exercise its legal rights, including but not

limited to foreclosure of its lien interest, only against the property securing the original obligation.

If you have any other mortgage loans secured by the same property not serviced by Rushmore, please contact your other servicer

directly to discuss any possible loss mitigation options that may be available to you.

If you are a confirmed Successor-in-Interest who has not assumed the mortgage loan obligation under State Law, this letter is being

sent for information purposes only and does not constitute personal liability with respect to the debt.

LEGAL NOTIFICATION: Rushmore Loan Management Services LLC may report information about your account to credit

bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.

 

Notice of Error Resolution & Information Request Procedures

The following outlines the Error Resolution and Information Request Procedures for your mortgage account at Rushmore Loan

Management Services LLC (RLMS). Please keep this document for your records. 

If you think an error has occurred on your mortgage account or if you need specific information about the servicing of 

your loan, please write us at:

Rushmore Loan Management Services LLC

P.O. Box 52262

Irvine, CA 92619-2262

All written requests for information or notices of error should contain the following information:

1. Your name

2. Account number

3. Property Address

4. Description of the error and explanation as to why you believe it is an error or a request for specific information regarding

the servicing of your loan

5. Current contact information so we may follow up with you

All written requests for specific information will be handled within 30 days of receipt. We will determine whether an error

occurred within 30 days after receiving your notice of error and will correct any error promptly (Notices of error on payoff

statements will be handled within 7 days). If additional time is needed to investigate your complaint or request, we may take up to

45 days but we will notify you of the extension within the original 30 days. If we decide that there was no error, we will send you a

written explanation. You may ask for copies of the documents that we used in our investigation.

 

HUD STATEMENT 

Pursuant to section 169 of the Housing and Community Development Act of 1987, you may have the opportunity to receive

counseling from various local agencies regarding the retention of your home. You may obtain a list of the HUD approved housing

counseling agencies by calling the HUD nationwide toll-free telephone at 1-800-569-4287.

 

Equal Credit Opportunity Act Disclosure

NOTICE: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of

race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding

contract); because all or part of the applicants income derives from any public assistance program; or because the applicant has in

good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this

law concerning this creditor is the Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, DC 20552 or

Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

The following notice is in reference to the Homeowner Assistance Fund:

The Homeowner Assistance Fund is a federal program to help homeowners impacted by COVID-19 resolve mortgage payments

and other housing expenses. To learn more about the availability of Homeowner Assistance Funds in your state, please visit

Rushmore's State Homeowner Assistance Resources page at https://www.rushmorelm.com/state-assistance/.

Rev 06/22

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Case 19-25604-RAM Doc 100 Filed 01/27/23 Page 9 of 9