I will post the results of the hearing after a judgement is made. Continuous result with respect to payday, mailing, and processing of pay once received. Also, recurs as repayment plan continuosly shows three months arrears. This was discussed and understood with previous mortgage holder prior to sell of mortgage. The debtor agreed to pay the on-going late fees.
Debtor is current on repayment plan and expects to be discharged soon.
Since the new creditor has taken over they allege that no payment has been made for three months. Debtor has cancelled checks to dispute the claim. Debtor continued to pay the current request on billing statement. The payments made however seem to have a space of three months. For example, January's payment is applied to the previous October.