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 

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, not in its 

individual capacity but solely as trustee for LB-Igloo 

Series IV Trust Court claim no. (if known): 5 

Last 4 digits of any number you use to 

identify the debtor's account: XXXXXX0400 

Date of Payment Change: 

Must be at least 21 days after date 

of this notice 11/01/2022 

 

New total payment: 

Principal, interest, and escrow, if any $ 266.97 

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: $ 13.43 New escrow payment: $ 38.69 

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 90 Filed 09/23/22 Page 1 of 7
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 9/23/2022 

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 23, 2022, 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 90 Filed 09/23/22 Page 2 of 7
Case 19-25851-CLC Doc 90 Filed 09/23/22 Page 3 of 7
Case 19-25851-CLC Doc 90 Filed 09/23/22 Page 4 of 7
Case 19-25851-CLC Doc 90 Filed 09/23/22 Page 5 of 7
Case 19-25851-CLC Doc 90 Filed 09/23/22 Page 6 of 7
Case 19-25851-CLC Doc 90 Filed 09/23/22 Page 7 of 7