UNITED STATES BANKRUPTCY COURT

SOUTHERN DISTRICT OF FLORIDA

MIAMI-DADE DIVISION

In Re:

Case Number: 20-21417-LMI

ASGARALI MOHAMED, Chapter 13

Debtor.

___________________________/

DEBTOR’S OBJECTION TO CLAIM

IMPORTANT NOTICE TO CREDITOR: THIS IS AN OBJECTION TO YOUR CLAIM

This Objection seeks either to disallow or reduce the amount or change the priority status of the claim 

filed by you or on your behalf. Please read this Objection carefully to identify which claim is objected to 

and what disposition of your claim is recommended. Upon the filing of this Objection an expedited 

hearing on this Objection will be scheduled on the date already scheduled for the Confirmation Hearing 

in accordance with Local Rule 3007-1(B)(2).

Pursuant to Bankruptcy Rule 3007 and Local Rule 3007-1(B)(2), Debtor, ASGARALI 

MOHAMED, objects to the following Claim filed in this case:

Claim 

No

Name of 

Claimant

Amount of 

Claim

Basis for Objection and

Recommended Disposition

7-1 Kondaur Capital 

Corporation, etc.

(hereinafter “Kondaur”)

$418,460.09 Kondaur has not paid for the property insurance and 

real estate taxes owed on Debtor’s property. 

Debtor paid the property insurance for the period of 

May 11, 2020 to May 11, 2021. 

Kondaur is attempting to collect escrow for property 

insurance which did not pay. See Debtor’s proof of 

insurance payment attached as Exhibit “A”. 

Debtor is currently on a payment plan with MiamiDade County Tax Collector for payment of the 2021 

property taxes. See confirmation email attached as 

Exhibit “B”. 

Debtor paid the 2020 property taxes. See Debtor’s 

proof of the tax payment attached hereto as Exhibit 

“C”. 

Debtor’s regular monthly payment to Kondaur is 

$1,010.04 for principal and interest. 

Debtor should not have to pay escrow to Kondaur as 

Kondaur did not and will not be paying for real estate 

taxes and/or property insurance for Debtor’s 

property.

Kondaur must amend its Proof of Claim to reflect the 

proper monthly mortgage payment which Debtor 

needs to pay.

Case 20-21417-LMI Doc 51 Filed 03/25/21 Page 1 of 10
CERTIFICATE PURSUANT TO LOCAL 

RULE 9011-4(B)

I HEREBY CERTIFY that I am admitted to 

the Bar of the United States District Court for 

the Southern District of Florida and I am in 

compliance with the additional qualifications

to practice in this Court set forth in Local 

Rule 2090-1 (A)

MARIA I. ESCOTO-CASTIELLO, P.A.

Counsel for Debtor

2000 South Dixie Highway, Suite 104-A

Miami, Florida 33133

Telephone: (305) 860-0991

Facsimile: (305) 860-0953

Email: maria@mec-lawfirm.com

/s/ Maria I. Escoto-Castiello

Maria I. Escoto-Castiello, Esq.

Florida Bar No.: 959839

Case 20-21417-LMI Doc 51 Filed 03/25/21 Page 2 of 10
2/19/2021 receipt.cfm

https://peoplestrust55.live.ptsapp.com/payments/receipt.cfm?paymentID=2279824&policyID=11545410 1/1

PEOPLE'S TRUST INSURANCE COMPANY 

(Receipt)

Agent

Consumers Choice Underwriters, Inc. 0288-00-00 Receipt #: 2279824

3600 Red Road Receipt Date/Time: Friday February 19 2021 03:21 PM

Miramar, FL, 33025 Producer/CSR: Consumers Choice Underwriters, Inc.

(954) 688-0010

Insured Company

ASGARALI MOHAMED PEOPLE'S TRUST INSURANCE COMPANY

9837 SW 194TH ST 18 PEOPLE'S TRUST WAY

CUTLER BAY, FL, 33157-7869 DEERFIELD BEACH, FL, 33441-6270

800-500-1818

Customer Payment Total $1,694.00

Date / Time Payment Type Transaction Type CSR Amount

06/05/2020 03:06 PM Credit Card Payment Consumers Choice Underwriters, Inc. [Producer] 1,694.00

Payment Amount Due To Company Total $1,694.00

Date / Time Payment Type Transaction Type CSR Amount

06/05/2020 03:06 PM Credit Card Policy Payment Consumers Choice Underwriters, Inc. [Producer] 1,694.00

Agency Fees Total $0.00

Date / Time Payment Type Transaction Type CSR Amount

Insurance Company: PEOPLE'S TRUST INSURANCE COMPANY Phone #: 800-500-1818

Policy #: PFL346797-04 Effective Date: 05/11/2020

Expiration Date: 05/11/2021

Insured Signature: ________________________________

Agents Signature: Consumers Choice Underwriters, Inc.

Exhibit "A"

Case 20-21417-LMI Doc 51 Filed 03/25/21 Page 3 of 10
2/19/2021 receipt.cfm

https://peoplestrust55.live.ptsapp.com/payments/receipt.cfm?paymentID=2375641&policyID=11545410 1/1

PEOPLE'S TRUST INSURANCE COMPANY

(Receipt)

Agent

Consumers Choice Underwriters, Inc. 0288-00-00 Receipt #: 2375641

3600 Red Road Receipt Date/Time: Friday February 19 2021 03:21 PM

Miramar, FL, 33025 Producer/CSR: Consumers Choice Underwriters, Inc.

(954) 688-0010

Insured Company

ASGARALI MOHAMED PEOPLE'S TRUST INSURANCE COMPANY

9837 SW 194TH ST 18 PEOPLE'S TRUST WAY

CUTLER BAY, FL, 33157-7869 DEERFIELD BEACH, FL, 33441-6270

800-500-1818

Customer Payment Total $829.80

Date / Time Payment Type Transaction Type CSR Amount

08/07/2020 12:46 PM Credit Card Payment Consumers Choice Underwriters, Inc. [Producer] 829.80

Payment Amount Due To Company Total $829.80

Date / Time Payment Type Transaction Type CSR Amount

08/07/2020 12:46 PM Credit Card Policy Payment Consumers Choice Underwriters, Inc. [Producer] 829.80

Agency Fees Total $0.00

Date / Time Payment Type Transaction Type CSR Amount

Insurance Company: PEOPLE'S TRUST INSURANCE COMPANY Phone #: 800-500-1818

Policy #: PFL346797-04 Effective Date: 05/11/2020

Expiration Date: 05/11/2021

Insured Signature: ________________________________

Agents Signature: Consumers Choice Underwriters, Inc.

Case 20-21417-LMI Doc 51 Filed 03/25/21 Page 4 of 10
2/19/2021 receipt.cfm

https://peoplestrust55.live.ptsapp.com/payments/receipt.cfm?paymentID=2509966&policyID=11545410 1/1

PEOPLE'S TRUST INSURANCE COMPANY

(Receipt)

Agent

Consumers Choice Underwriters, Inc. 0288-00-00 Receipt #: 2509966

3600 Red Road Receipt Date/Time: Friday February 19 2021 03:21 PM

Miramar, FL, 33025 Producer/CSR: Consumers Choice Underwriters, Inc.

(954) 688-0010

Insured Company

ASGARALI MOHAMED PEOPLE'S TRUST INSURANCE COMPANY

9837 SW 194TH ST 18 PEOPLE'S TRUST WAY

CUTLER BAY, FL, 33157-7869 DEERFIELD BEACH, FL, 33441-6270

800-500-1818

Customer Payment Total $829.80

Date / Time Payment Type Transaction Type CSR Amount

11/11/2020 11:30 AM Credit Card Payment Consumers Choice Underwriters, Inc. [Producer] 829.80

Payment Amount Due To Company Total $829.80

Date / Time Payment Type Transaction Type CSR Amount

11/11/2020 11:30 AM Credit Card Policy Payment Consumers Choice Underwriters, Inc. [Producer] 829.80

Agency Fees Total $0.00

Date / Time Payment Type Transaction Type CSR Amount

Insurance Company: PEOPLE'S TRUST INSURANCE COMPANY Phone #: 800-500-1818

Policy #: PFL346797-04 Effective Date: 05/11/2020

Expiration Date: 05/11/2021

Insured Signature: ________________________________

Agents Signature: Consumers Choice Underwriters, Inc.

Case 20-21417-LMI Doc 51 Filed 03/25/21 Page 5 of 10
2/19/2021 receipt.cfm

https://peoplestrust55.live.ptsapp.com/payments/receipt.cfm?paymentID=2638680&policyID=11545410 1/1

PEOPLE'S TRUST INSURANCE COMPANY

(Receipt)

Agent

Consumers Choice Underwriters, Inc. 0288-00-00 Receipt #: 2638680

3600 Red Road Receipt Date/Time: Friday February 19 2021 03:21 PM

Miramar, FL, 33025 Producer/CSR: Francita

(954) 688-0010

Insured Company

ASGARALI MOHAMED PEOPLE'S TRUST INSURANCE COMPANY

9837 SW 194TH ST 18 PEOPLE'S TRUST WAY

CUTLER BAY, FL, 33157-7869 DEERFIELD BEACH, FL, 33441-6270

800-500-1818

Customer Payment Total $829.40

Date / Time Payment Type Transaction Type CSR Amount

02/19/2021 03:19 PM Credit Card Payment Francita Martin 829.40

Payment Amount Due To Company Total $829.40

Date / Time Payment Type Transaction Type CSR Amount

02/19/2021 03:19 PM Credit Card Policy Payment Francita Martin 829.40

Agency Fees Total $0.00

Date / Time Payment Type Transaction Type CSR Amount

Insurance Company: PEOPLE'S TRUST INSURANCE COMPANY Phone #: 800-500-1818

Policy #: PFL346797-04 Effective Date: 05/11/2020

Expiration Date: 05/11/2021

Insured Signature: ________________________________

Agents Signature: Francita

Case 20-21417-LMI Doc 51 Filed 03/25/21 Page 6 of 10
This is the email to confirm that payment plan on my property tax:

On 11/6/20, 9:25 AM, "proptax@miamidade.gov" <proptax@miamidade.gov> wrote:

 Your request was APPROVED and you have been successfully signed-up for Installment 

payments for your property located in Miami-Dade County, FL. 

 Your first installment bill for 2021 taxes will be payable on June 1st, 2021. 

 If you have any questions regarding the installment process, please contact the Tax Collector's 

Office by emailing us at proptax@miamidade.gov or call 305-270-4916. You can make 

payments or review account information online at miamidade.county-taxes.com. 

 Thank you,

 Miami-Dade County Tax Collector

Exhibit "B"

Case 20-21417-LMI Doc 51 Filed 03/25/21 Page 7 of 10
Miami-Dade County, Florida

S E E R E V E R S E S I D E F O R I M P O R T A N T I N F O R M A T I O N FOLIO 

FOLIO NUMBER MUNICIPALITY MILL CODE

Property Address Exemptions:

TAXING AUTHORITY $1,000 OF

TAXABLE VALUE

LEVYING AUTHORITY FOOTAGE/UNITS AMOUNT

Combined Taxes 

and Assessments

RETAIN FOR YOUR RECORDS

DETACH HERE AND RETURN THIS PORTION WITH YOUR PAYMENT

PAY ONLY ONE AMOUNT

FOLIO NUMBER

PROPERTY ADDRESS

LEGAL DESCRIPTION

MILLAGE

RATE PER

TAXES

VALUE LEVIED

NON-AD VALOREM ASSESSMENTS

RATE

AD VALOREM TAXES

ASSESSED

AMOUNT IF PAID BY (pay only one amount)

Paid By 1.000 80.000 $4,317.11 197,039 197,039 197,039 197,039 Cutler Bay Operating Municipal Governing Board 197,039 Fire Rescue Operating Library District County Wide Debt Service County Wide Operating Miami-Dade County If Paid By Mar 31, 2021 Mar 31, 2021 ZAHEER MOHAMED CUTLER BAY 0.45070 0.03800 0.11920 0.11030 0.03200 0.75000 0.19300 6.18600

Paid Paid

Paid 4.66690 0.47800 0.28400 2.42070 2.61980

Make checks payable to:

Miami-Dade Tax Collector

(in U.S. funds drawn on U.S. banks)

Amount due May be Subject to Change Without Notice

Mail payments to:

200 NW 2nd Avenue, Miami, FL 33128 247,039

2020 Real Estate Property Taxes 2020 Real Estate

Property Taxes

247,039

ADDL HOMESTEAD, HOMESTEAD

247,039 247,039 247,039 03/15/2021 484.00 39.50 Receipt # Notice of Ad Valorem Tax and Non-Ad Valorem Assessments *1+3660050082860+2020* $4,317.11 Miami-Dade School Board School Board Operating School Board Debt Service Voted School Operating State and Other Florida Inland Navigation Dist South Florida Water Mgmt Dist 36-6005-008-2860 36-6005-008-2860 Okeechobee Basin Everglades Construction Proj Childrens Trust Authority L0061 CUTLER RIDGE T0004 GARB,TRASH,TRC,RECYCLE 222,039 222,039 222,039 197,039 197,039 197,039 197,039 197,039 1,373.53 42.85

ASGARALI MOHAMED

ZAHEER MOHAMED

9837 SW 194 ST

MIAMI, FL 33157 ASGARALI MOHAMED

ZAHEER MOHAMED

9837 SW 194 ST

MIAMI, FL 33157

Please Pay 166.53

$0.00 $0.00 6.31 21.73 23.49 @ 0.4937 7.49 @ 484.0000 88.81

9837 SW 194 ST

9837 SW 194 ST 1000000000000000003660050082860202000000000000000000000009 Duplicate public_user 03/16/2021 Duplicate public_user 03/16/2021

5 56 40

BEL-AIRE SEC 3 PB 65-133

LOT 12 BLK 30

LOT SIZE 80.000 X 110

OR 20093-0495 122001 247,039 247,039 247,039 247,039 919.56 247,039 94.18 55.96 247,039 476.97 247,039 247,039 516.20 BK/LIT TB-21-000232 3600

Exhibit "C"

Case 20-21417-LMI Doc 51 Filed 03/25/21 Page 8 of 10
Case 20-21417-LMI Doc 51 Filed 03/25/21 Page 9 of 10
Case 20-21417-LMI Doc 51 Filed 03/25/21 Page 10 of 10