Official Form 410S1 Notice of Mortgage Payment Change page 1

Fill in this information to identify the case: 

Debtor 1 Sonia Vales 

Debtor 2 

(Spouse, if filing) 

United States Bankruptcy Court for the: Southern District of Florida 

 (State) 

Case number 19-25851-AJC 

 

Official Form 410S1 

Amended 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 LB Igloo Series IV Trust Court claim no. (if known): 5-1 

Last 4 digits of any number you use to 

identify the debtor's account: XXXXXXX0400 

Date of Payment Change: 

Must be at least 21 days after date 

of this notice 7/1/2021 

 

New total payment: 

Principal, interest, and escrow, if any $ 241.71 

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: $ 2.45 New escrow payment: $ 13.43 

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 19-25851-CLC Doc 78 Filed 09/08/21 Page 1 of 8
Official Form 410S1 Notice of Mortgage Payment Change page 2

 

Debtor 1 Sonia Vales Case number (if known) 19-25851-AJC 

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 9/8/2021 

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 September 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: 

Mandy L Mills, Esq., 4343 W. Flagler Street, Ste. 100, Miami, FL 33134 

Nancy K. Neidich, POB 279806, Miramar, FL 33027 

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

And a copy was mailed via US Mail to: 

Sonia Vales, 20275 NE 2nd Avenue #9, Miami, FL 33179 

Case 19-25851-CLC Doc 78 Filed 09/08/21 Page 2 of 8
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CAROLINA A LOMBARDI

LEGAL SERVICES OF GREATER MIAM

4343 WEST FLAGLER STREET #100

MIAMI, FL 33134 

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Date: August 20, 2021

Case: 19-25851

Loan Number: 

Dear Sir/Madame,

Enclosed is correspondence relating to a loan we service for your client.

Sincerely,

Rushmore Loan Management Services LLC

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Escrow Analysis

Statement

Statement Date: August 20, 2021

Loan Number:

SONIA JOSEPH

20275 NE 2ND AVE

MIAMI FL 33179-0000

We review your escrow account annually to ensure that you have adequate funds to cover your tax and insurance items for the next 12 months. The amounts billed

for certain escrow items changed. This statement describes the changes, possible changes to your monthly payments, and your options. 

What changed?

Property Taxes

$100.00

$88.89

$77.78

$66.67

$55.56

$44.44

$33.33

$22.22

$11.11

$0.00

 N/A Current 

Taxes increased by $39.75 per year.

Changes in the above items mean that the amount needed in your escrow account increased by $39.75 per year.

How do these changes affect me?

Based upon the Anticipated Escrow Disbursements and Payments, we have determined that your Escrow Account does not have sufficient funds. If you do nothing, the new

monthly payment amount for this loan is $241.71 (Option 1) which includes a monthly shortage amount of $10.12. However, you may choose to make a one-time escrow

shortage payment of $606.96 in which case your monthly payment amount will be $231.59 (Option 2). Changes to property taxes and insurance premiums are common

and result in changes to required mortgage payments.

Current Option1- Shortage Option 2-Shortage

Payment Escrow Change added to payment over paid in full

next 12 months

Due Date 02/2021 07/2021 07/2021

Principal and Interest $228.28 $228.28 $228.28

Escrow Payment $2.45 $10.98 $3.31 $3.31

Escrow Shortage $10.12

TOTAL $230.73 $241.71 $231.59

A detailed explanation of the calculations for your escrow account is located on page 2.

Note: 'Online bill payment users: Your payment is changing effective 07/01/2021 so action is required. Please log into your bank's online account and update your

payment amount. Thank you!

Please detach this escrow shortage coupon, write your loan number on a check or money order payable to

Rushmore Loan Management Services LLC and mail both in the enclosed envelope. 

Rushmore Loan Management Services LLC You have the following options to repay your Escrow Shortage:

ESCROW SHORTAGE COUPON A.Repay the Escrow Shortage Monthly— Do nothing. The total shortage

has been divided over 12 months and $10.12 will automatically be added

Loan Number: to your monthly payment beginning Jul 01, 2021 unless you repay the

Mortgager Name: SONIA JOSEPH escrow shortage in full.

 B.Repay the Escrow Shortage in Full by 06/16/21— While you are not

Escrow Shortage Amount: $606.96 required by law to pay the entire shortage in one lump sum payment, you may

Escrow Shortage Pay By Date: June 16, 2021 do so if you wish. If you choose to repay the escrow shortage in full, please

submit a check in the amount of $606.96 along with this coupon to the

address listed. Your new monthly payment will be $231.59 once the Rushmore Loan Management Services LLC escrow shortage is paid in full. P.O. Box 514707

Los Angeles, CA 90051-4707

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Case 19-25851-CLC Doc 78 Filed 09/08/21 Page 5 of 8
August 20, 2021 Loan Number: 

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 $39.75

Total $39.75 divided by 12 months = $3.31 

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 -$611.90. The difference between the lowest

projected balance of -$611.90 and the minimum required escrow balance of $0.00 is $606.96.

$606.96 is your escrow shortage.

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 -$588.70 $23.20 Date of Activity

Jul 21 $3.31 -$585.39 $26.51

Aug 21 $3.31 -$582.08 $29.82

Sep 21 $3.31 -$578.77 $33.13

Oct 21 $3.31 -$575.46 $36.44

Nov 21 $3.31 $39.75 -$611.90 $0.00

Dec 21 $3.31 -$608.59 $3.31

Jan 22 $3.31 -$605.28 $6.62

Feb 22 $3.31 -$601.97 $9.93

Mar 22 $3.31 -$598.66 $13.24

Apr 22 $3.31 -$595.35 $16.55

May 22 $3.31 -$592.04 $19.86

Jun 22 $3.31 -$588.73 $23.17

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.

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.

Back of coupon or check intentionally left blank

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August 20, 2021 Loan Number: 

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.

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 applicant's 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.

Rev 04/21

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