Official Form 410S1 Notice of Mortgage Payment Change page 1

Fill in this information to identify the case: 

Debtor 1 Ariel Garcia aka Ariel Garcia De La Uz

Debtor 2 

United States Bankruptcy Court for the: Southern District of Florida

Case number : 21-16804-AJC 

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:

Citibank, N.A., not in its individual capacity but solely as 

Owner Trustee for New Residential Mortgage Loan Trust 

2020-RPL1

Court claim no. 

(if known):

8

Last 4 digits of any number 

you use to identify the debtor's 

account:

8686

Date of payment change:

Must be at least 21 days after date of 

this notice

04/01/2022

New total payment:

Principal, interest, and escrow, if any

$991.52

Part 1: Escrow Account Payment Adjustment

1. Will there be a change in the debtor's escrow account payment?

[ ] No

[X] Yes. Attach a copy of the escrow account statement prepared in a form consistent with the applicable nonbankruptcy law.

Describe the basis for the change. If a statement is not attached, explain why: 

Current escrow payment: $266.43 New escrow payment: $268.26

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?

[X] 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?

[X] 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 21-16804-AJC Doc 58 Filed 02/25/22 Page 1 of 7
Official Form 410S1 Notice of Mortgage Payment Change page 2

Debtor 1 Ariel Garcia aka Ariel Garcia De La Uz First Name Middle Name Last NameCase number (if known) 21-16804-AJC

Part 4: Sign Below

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 attorney or 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.

Date 

Signature

Print: Julian Cotton Title Authorized Agent for Creditor

Company Padgett Law Group

Address 6267 Old Water Oak Road, Suite 203

Tallahassee FL, 32312 

Contact phone (850) 422-2520 Email PLGinquiries@padgettlawgroup.com

/S/Julian Cotton 2/25/2022

Case 21-16804-AJC Doc 58 Filed 02/25/22 Page 2 of 7
Official Form 410S1 Notice of Mortgage Payment Change page 3

CERTIFICATE OF SERVICE

I HEREBY CERTIFY that a true and correct copy of the foregoing has been furnished to the parties 

on the attached Service List by electronic service and/or by First Class U.S. Mail on this the _________ day of 

February, 2022. 

/S/ Julian Cotton

___________________________________

JULIAN COTTON

PADGETT LAW GROUP

6267 Old Water Oak Road, Suite 203 

Tallahassee, FL 32312

(850) 422-2520 (telephone)

(850) 422-2567 (facsimile)

PLGinquiries@padgettlawgroup.com

Authorized Agent for Creditor

25

Case 21-16804-AJC Doc 58 Filed 02/25/22 Page 3 of 7
Official Form 410S1 Notice of Mortgage Payment Change page 4

SERVICE LIST (CASE NO. 21-16804-AJC)

Debtor

Ariel Garcia

10210 SW 154th Place, Unit #104

Miami, FL 33196

aka Ariel Garcia De La Uz

Attorney

Ricardo Corona, Esq.

6700 SW 38th Court

Miami, FL 33155

Trustee

Nancy K. Neidich

www.ch13miami.com

POB 279806

Miramar, FL 33027

US Trustee

Office of the US Trustee

51 S.W. 1st Ave.

Suite 1204

Miami, FL 33130

Case 21-16804-AJC Doc 58 Filed 02/25/22 Page 4 of 7
Each year Fay Servicing, LLC reviews your escrow account to determine your new monthly escrow payment. As you may know,

we collect funds and hold them in your escrow account to pay property taxes and insurance premiums on your behalf. Below

are answers to the most commonly asked questions we receive about the annual escrow analysis and details related to your

account.

1. What is the amount of my new monthly payment starting April 01, 2022?

Payment Items Current Payment New Payment Difference

Total Payment 989.52 991.52 2.00

Portion Going to Escrow 266.26 268.26 2.00

• Note: If you currently use a third party bill pay service to make automatic payments, please update the amount

scheduled to reflect the new payment amount listed above. If you are currently set up on automatic payments with Fay

Servicing, this new amount will automatically take effect with your April payment.

2. What are the most common reasons that my escrow payment may change from year to year?

 

A. Increases or Decreases in Amounts Billed – The amount we collect each month to be held in your escrow account

may change based on increases or decreases to your property taxes, mortgage insurance premiums, or homeowner’s

insurance premiums. The information below compares the amounts Fay Servicing expected to pay for each item this past

year from your escrow account to the actual amounts that were paid or will be due.The difference column reflects the

increase or decrease for each escrowed item.

Anticipated Actual Amounts

Escrowed Item Amounts Due Paid or Due Difference

COUNTY TAX $1,821.14 $1,843.04 $21.90

PROPERTY INS $1,374.00 $1,376.00 $2.00

Total Annual Escrow Payments $3,195.14 $3,219.04 $23.90

Monthly Escrow Payments $266.26 $268.26 $2.00

B. Repayment of Escrow Shortage or Surplus - According to the projections shown in Table 1 on the reverse side,

your escrow account will rise above the minimum required balance of $536.51 in November. This means you have a 

surplus of $6,511.14 in your escrow account.

Projected Low Escrow Balance Allowable Low Escrow Balance Surplus*

$584.91 minus $536.51 equals $6,511.14*

* An Escrow Adjustment of $6,462.74, scheduled to be repaid through the bankruptcy, is included in this calculation.

ESCROW SURPLUS SUMMARY

Name: ARIEL GARCIA DE LA UZ

Surplus Amount: $6,511.14 The surplus is being retained in your account.

If you have any questions regarding this surplus amount, please

contact us at (800) 495-7166.

BAAG25250415000000000033

0000228686

25250415

escrowstatement

900692

01

644

P.O. Box 111209 Nashville, TN 37222

Return Service Only - Please do not send mail to this address

RETURN SERVICE REQUESTED

ARIEL GARCIA DE LA UZ

10210 SW 154 PL unit104

MIAMI, FL 33196

ANNUAL ESCROW ACCOUNT

DISCLOSURE STATEMENT

Analysis Date: 01/24/22 

Loan Number:

Borrower Name: ARIEL GARCIA DE LA UZ 

Case 21-16804-AJC Doc 58 Filed 02/25/22 Page 5 of 7
ARIEL GARCIA DE LA UZ

NEW PAYMENT EFFECTIVE DATE: April 01, 2022

ESCROW ACCOUNT PROJECTIONS AND ACTIVITY HISTORY

Table 1 shows a month by month estimate of the activity we anticipate will occur in your escrow account over the next 12

months. This table shows the projected low balance point that is used to calculate an escrow surplus or shortage.

TABLE 1 - ACCOUNT PROJECTIONS

Payments Disbursements Total Minimum 

Month Description Estimate Estimate Balance Required Difference

Beginning Balance $1,657.87

04/22 268.26 0.00 1,926.13 536.51 1,389.62

05/22 268.26 0.00 2,194.39 536.51 1,657.88

06/22 268.26 0.00 2,462.65 536.51 1,926.14

07/22 268.26 0.00 2,730.91 536.51 2,194.40

08/22 PROPERTY INS 268.26 1,376.00 1,623.17 536.51 1,086.66

09/22 268.26 0.00 1,891.43 536.51 1,354.92

10/22 268.26 0.00 2,159.69 536.51 1,623.18

11/22 COUNTY TAX 268.26 1,843.04 584.91 536.51 48.40 **

12/22 268.26 0.00 853.17 536.51 316.66

01/23 268.26 0.00 1,121.43 536.51 584.92

02/23 268.26 0.00 1,389.69 536.51 853.18

03/23 268.26 0.00 1,657.95 536.51 1,121.44

 Totals $3,219.12 $3,219.04

**Low Balance used to determine escrow overage or shortage.

Federal law (RESPA) allows lenders to maintain a two month cushion in an escrow account. A lower cushion may be required under

state law. The cushion helps minimize the amount your escrow account could be overdrawn if tax or insurance payments increase.

Table 2 itemizes your actual escrow account transactions since your previous analysis statement or initial disclosure. Last year

estimates are next to the actual activity. The letter 'E' beside an amount indicates that the payment or disbursement has not yet

occurred, but is estimated to occur as shown. An asterisk (*) indicates a difference from a previous estimate either in the date or

amount and may be caused by any of the following:

The actual amount of insurance or taxes paid since your last Escrow Analysis Statement was higher or lower than anticipated 

 Additional funds were applied to your escrow account

The time elapsed between payments to escrow and disbursement from escrow was shorter or longer than anticipated on your

last Escrow Analysis Statement.

TABLE 2 - ESCROW ACTIVITY HISTORY

Payments Projected Disbursements Total

Month Description Estimate Actual Estimate Actual Balance

History Beginning Balance -$3,798.45

08/21 PROPERTY INS 266.26 0.00 * 1,374.00 1,376.00 * -5,174.45

09/21 266.26 0.00 * 0.00 0.00 -5,174.45

10/21 266.26 0.00 * 0.00 0.00 -5,174.45

11/21 COUNTY TAX 266.26 0.00 * 1,821.14 1,843.04 * -7,017.49

12/21 266.26 0.00 * 0.00 0.00 -7,017.49

01/22 266.26 8,142.84 E 0.00 0.00 1,125.35

02/22 266.26 266.26 E 0.00 0.00 1,391.61

03/22 266.26 266.26 E 0.00 0.00 1,657.87

Totals $2,130.08 $8,675.36 $3,195.14 $3,219.04

IMPORTANT NOTICES 

ACH Debit Borrowers: You have previously authorized Fay Servicing, LLC to automatically debit your bank account each month for the amount of your

monthly payment of principal, interest, and escrow (if applicable). Please note the amount of your next ACH debit will be changed (increase/decrease) to

reflect the amount of your new monthly payment as reflected herein, Fay Servicing, LLC is authorized to debit your bank account each month until you

provide written or oral notice to stop. Termination request must be received by Fay Servicing, LLC at least three (3) business days prior to your next

scheduled debit.

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ABAG25250415000000000033

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