Official Form 410S1 Notice of Mortgage Payment Change

Fill in this information to identify the case:

 Debtor 1: Judith Holmes aka Judith M Holmes aka Judith M Haynes

 United States Bankruptcy Court for the: Southern District of Florida (Miami) 

 Case number: 19-25604-RAM

 Official Form 410S1

Notice of Mortgage Payment Change 12/15

If the debtor’s plan provides for payment and 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 supplemental to your proof of claim at least 21 days before the new payment amount is due. See Bankruptcy Rule 3002.1.

Name of creditor: Nationstar Mortgage LLC d/b/a Mr. 

Cooper

Court claim no.: 1-1

Last four digits of any number 

you use to identify the debtor’s 

account:

0638

Date of payment change:

Must be at least 21 days after date of 

this notice 08/01/2020

New total payment: $1,075.02

Principal, interest, and escrow, if any

Part 1: Escrow Account Payment Adjustment

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: $ 475.71 New escrow payment: $ 522.04

Part 2: Mortgage Payment Adjustment

Will the debtor’s principal and interest payment change based on an adjustment to the interest rate in the debtor's variable-rate note?

 ☑ 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

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: $

Case 19-25604-RAM Doc 56 Filed 06/24/20 Page 1 of 7
Official Form 410S1 Notice of Mortgage Payment Change

Debtor 1: Judith Holmes aka Judith M Holmes aka Judith M Haynes Case number: 19-25604-RAM

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. X I am the creditor’s authorized agent.

(Attach copy of power of attorney, if any.)

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. 

/s/ Ella Roberts, Esq.

Signature

Date 06/24/2020 

Ella Roberts 

Print First Name Middle Name Last Name Title Attorney For Secured Creditor

Company Albertelli Law

Address P.O. Box 23028

Number Street

Tampa FL 33623

City State Zip Code

Contact Phone: 813-221-4743 Email: bkfl@albertellilaw.com

Case 19-25604-RAM Doc 56 Filed 06/24/20 Page 2 of 7
Official Form 410S1 Notice of Mortgage Payment Change

CERTIFICATE OF SERVICE

I HEREBY CERTIFY that a true and correct copy of the foregoing document to be served 

upon the following parties of interest either via pre-paid regular US Mail or via electronic 

notification to the parties on the attached service list, this 24th day of June, 2020. 

SERVICE LIST

Judith Holmes 

17720 NW 41 Avenue 

Opa Locka, FL 33055

Carolina A Lombardi 

Legal Services of Greater Miami, Inc.

4343 West Flagler Street #100 

Miami, FL 33134 

Nancy K. Neidich

www.ch13miami.com 

POB 279806 

Miramar, FL 33027 

Office of the US Trustee

51 S.W. 1st Ave. 

Suite 1204 

Miami, FL 33130 

/s/ Ella Roberts, Esq.

Ella Roberts, Esq. 

FBN 0075943 

813-221-4743 

Albertelli Law

Attorney for Secured Creditor 

PO Box 23028 

Tampa, FL 33623 

Facsimile: (813) 221-9171 

bkfl@albertellilaw.com

Case 19-25604-RAM Doc 56 Filed 06/24/20 Page 3 of 7
8950 Cypress Waters Blvd.

Coppell, TX 75019

JUDITH HOLMES

17720 NW 41ST AVE

MIAMI GARDENS,FL 33055

05/26/2020 OUR INFO

ONLINE

www.mrcooper.com

YOUR INFO

CASE NUMBER

1925604

LOAN NUMBER

PROPERTY ADDRESS

17720 NW 41ST AVENUE

MIAMI GARDENS,FL 33055

Dear JUDITH HOLMES,

Why am I receiving this letter?

An escrow analysis was performed on the above referenced account.

What do I need to know?

Our records indicate your loan is currently in an active bankruptcy proceeding. The enclosed escrow account disclosure

statement is for informational purposes only and should not be construed as an attempt to collect a debt.

What do I need to do?

If you are represented by an attorney in your bankruptcy, please forward a copy of this letter to such attorney and provide such

attorney’s name, address and telephone number to us.

If you have any questions, please call us at 877-343-5602. Our hours of operation are Monday through Friday from 8 a.m. to 5 p.m.

(CT). Visit us on the web at www.mrcooper.com for more information.

Sincerely,

Mr. Cooper

Bankruptcy Department

Enclosure: Escrow Account Disclosure Statement

Mr. Cooper is a brand name for Nationstar Mortgage LLC. Nationstar Mortgage LLC is doing business as Nationstar Mortgage LLC d/b/a Mr.

Cooper. Mr. Cooper is a registered service mark of Nationstar Mortgage LLC. All rights reserved.

Please be advised this communication is sent for informational purposes only and is not intended as an attempt to collect, assess, or

recover a claim against, or demand payment from, any individual protected by the U.S. Bankruptcy Code. If this account has been

discharged in a bankruptcy proceeding, be advised this communication is for informational purposes only and not an attempt to collect a

debt against you; however, the servicer/lender reserves the right to exercise the legal rights only against the property securing the loan

obligation, including the right to foreclose its lien under appropriate circumstances. Nothing in this communication shall be construed as an

attempt to collect against the borrower personally or an attempt to revive personal liability.

If you are a successor in interest (received the property from a relative through death, devise, or divorce, and you are not a borrower on the

loan) that has not assumed, or otherwise become obligated on the debt, this communication is for informational purposes only and is not an

attempt to collect a debt from you personally.

DOL

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The change in your escrow payment** may be based on one or more of the following factors:

PAYMENT(S) TAXES INSURANCE

● Monthly payment(s) received were less than ● Tax rate and/or assessed value changed ● Premium changed

or greater than expected ● Exemption status lost or changed ● Coverage changed

● Monthly payment(s) received earlier or later ● Supplemental/Delinquent tax paid ● Additional premium paid

than expected ● Paid earlier or later than expected ● Paid earlier or later than expected

● Previous overage returned to escrow ● Tax installment not paid ● Premium was not paid

● Previous deficiency/shortage not paid entirely ● Tax refund received ● Premium refund received

● New tax escrow requirement paid ● New insurance escrow requirement paid

● Force placed insurance premium paid

Prior Year Account History and Coming Year Projections

This is a statement of the actual activity in your escrow account from 08/19 through 07/21. This statement itemizes your actual

escrow account transactions since your previous analysis statement or initial disclosure, and projects payments, disbursements, and

balances for the coming year. The projections from your previous escrow analysis are included with the actual payments and disbursements for the prior

year. By comparing the actual escrow payment with the previous projections listed, you can determine where a difference may have occurred. When applicable,

the letter 'E' beside anamount indicates that a payment or disbursement has not yet occurred but is estimated to occur as shown.

Projections are included to ensure sufficient funds are available to pay your taxes and /or insurance for the coming year. Under Federal

Law (RESPA), the lowest monthly balance in your escrow account should be no less than $1,044.08 or 1/6th of the total annual projected disbursement from

your escrow account, unless your mortgage documents or state law specifies otherwise. Your projected estimated lowest account balance of $1,044.10 will be

reached in May 2021. When subtracted from your minimumrequired balance of $1,044.08, an Escrow Shortage results in the amount of $0.00. These

amounts are indicated with an arrow (<).

This escrow analysis is based on the assumption that all escrow advances made on your loan prior to your bankruptcy filing date are included

in your bankruptcy plan and will be paid in the plan. This analysis considers insurance, taxes and other amounts that will come due after the

filing of your bankruptcy case.

Month

Projected

Payment

Actual

Payment

Projected

Disbursement

Actual

Disbursement Description Projected

Balance

Actual

Balance

Start $1,814.16 ($842.68)

08/19 $361.96 $392.77 $522.00 $0.00 FLOOD SFR $1,654.12 ($449.91) 

08/19 $0.00 $0.00 $0.00 $3,717.00* * HAZARD SFR $1,654.12 ($4,166.91) 

09/19 $361.96 $392.77*E $0.00 $0.00 $2,016.08 ($3,774.14) 

10/19 $469.55 $524.51*E $0.00 $0.00 $2,485.63 ($3,249.63) 

11/19 $469.55 $524.51 $1,370.54 $1,444.52* * COUNTY TAX $1,584.64 ($4,169.64) 

12/19 $475.71 $475.71E $0.00 $0.00 $2,060.35 ($3,693.93) 

01/20 $475.71 $475.71E $0.00 $0.00 $2,536.06 ($3,218.22) 

02/20 $475.71 $475.71E $0.00 $0.00 $3,011.77 ($2,742.51) 

03/20 $475.71 $475.71E $0.00 $0.00 $3,487.48 ($2,266.80) 

04/20 $475.71 $475.71E $0.00 $0.00 $3,963.19 ($1,791.09) 

05/20 $475.71 $475.71 $3,717.00 $4,273.00* * HAZARD SFR $721.90 ($5,588.38) 

05/20 $0.00 $2,746.69E $0.00 $0.00 Anticipated Payments 01/19-07/19 $721.90 ($2,841.69) 

06/20 $475.71 $475.71E $0.00 $0.00 $1,197.61 ($2,365.98) 

07/20 $475.71 $475.71E $0.00 $0.00 $1,673.32 ($1,890.27) 

Total $5,468.70 $8,386.93 $5,609.54 $9,434.52 Total $1,673.32 ($1,890.27)

Month

Projected

Payment

Projected

Disbursement Description Current

Balance

Required

Balance

Projected

Start ($1,890.27) ($1,890.29)

08/20 $522.04 $547.00 FLOOD SFR ($1,915.23) ($1,915.25) 

08/20 $3,978.49 $0.00 BK ADJ $2,063.26 $2,063.24 

09/20 $522.04 $0.00 $2,585.30 $2,585.28 

10/20 $522.04 $0.00 $3,107.34 $3,107.32 

11/20 $522.04 $1,444.52 COUNTY TAX $2,184.86 $2,184.84 

12/20 $522.04 $0.00 $2,706.90 $2,706.88 

01/21 $522.04 $0.00 $3,228.94 $3,228.92 

02/21 $522.04 $0.00 $3,750.98 $3,750.96 

03/21 $522.04 $0.00 $4,273.02 $4,273.00 

04/21 $522.04 $0.00 $4,795.06 $4,795.04 

05/21 $522.04 $4,273.00 HAZARD SFR $1,044.10 $1,044.08<

06/21 $522.04 $0.00 $1,566.14 $1,566.12 

07/21 $522.04 $0.00 $2,088.18 $2,088.16 

Total $10,242.97 $6,264.52 Total $2,088.18 $2,088.16

Bankruptcy Adjustment - The Prior Year Account History and Coming Year Projections section of the Annual Escrow Account Disclosure Statement may

contain a line item called "Bankruptcy Adjustment". This amount is a credit based upon the unpaid portion of the escrow funds listed on the proof of claim to

be paid through the Chapter 13 plan. The amount of the credit is calculated and applied to reach the minimum required balance for the escrow account as

allowed under the loan documents and applicable non-bankruptcy law. The credit may not represent the total outstanding amount of escrow funds owed in the

proof of claim but ensures that any escrow funds listed on the proof of claim to be paid through the plan will not be collected through the escrow shortage or

surplus listed in the Annual Escrow Account Disclosure Statement. In some instances, only a portion of the proof of claim escrow funds are listed as a credit to

reach the required minimum account balance.

You will receive an Annual Escrow Account Disclosure Statement reflecting the actual disbursements at the end of the next escrow analysis cycle. However,

you should keep this statement for your own records for comparison. If a previous escrow analysis statement was sent to you by your previous servicer, please

refer to that statement for comparison purposes. If you have any questions, please call Christina Lorenzo at 866-316-2432. Our hours of operation are Monday

through Friday from 8 a.m. to 5 p.m. (CT). Visit us on the web at www.mrcooper.com for more information.

Note: Any disbursements listed after the date of this statement are assumed to be projected or estimated.

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