peoples choice home loan no endorse

8/6/2019 Peoples Choice Home Loan No Endorse

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FORM B10 (Official Form 10) (04/10)

United States Bankruptcy Court Northern District of Illinois PROOF OF CLAIM

Name of DebtorMelissa Norton

Case Number11 B 02610 Glenn B. Stearns

NOTE: This form should not be used to make a claim for an administrative expense arising after the commencement of the case. A request for payment of anadministrative expense may be filed pursuant to 11 U.S.C. 503

Name of Creditor (The person or other entity to whom the debtor owes money or property):US Bank National Association, as Trustee for the Structured Asset Securities Corporation Mortgage Pass-Through

Certificates, Series 2006-BC2

Check this box to indicate thatthis claim amends a previouslyfiled claim.

Court Claim Number:

Filed on:

Name and address where notices should be sent:Codilis & Associates, P.C.

Bankruptcy Department15W030 North Frontage Road, Suite 100

Burr Ridge, IL 60527(630) 794-5300

Name and address where payment should be sent (if different from above):America's Servicing Company1 Home Campus

Bankruptcy Payment ProcessingMAC# x2302-04cDes Moines, IA 50328

Check this box if you are awarethat anyone else has fled a proofof claim relating to your claim.Attach copy of statement givingparticulars.

Check this box if you are thedebtor or trustee in this case.

1. Amount of Claim as of Date Case Filed: $127,174.42

If all or part of your claim is secured, complete item 4 below; however, if all of your claim is unsecured, do not completeditem 4.

If all or part of your claim is entitled to priority, complete item 5.

Check this box if claim includes interest or other charges in addition to the principal amount of claim. A copy of theitemized statement of all interest or additional charges must be provided to debtor's attorney and trustee.

5. Amount of Claim Entitled toPriority under 11 U.S.C.507(a.) If any portion of yourclaim falls in one of thefollowing categories, check thebox and state the amount.

Specify the priority of the claim.

Domestic support obligationsunder 11 U.S.C. 507(a)(1)(A) or(a)(1)(B).

Wages, salaries or commissions(up to $11,725*) earned within180 days before filing of thebankruptcy petition or cessation othe debtors business, whichever iearlier 11 U.S.C. 507 (a)(4).

Contributions to an employeebenefit plan 11 U.S.C. 507(a)(5).

Up to $2,600* of deposits towardpurchase, lease, or rental ofproperty or services for personal,family, or household use 11U.S.C. 507(a)(7).

Taxes or penalties owed togovernmental units 11 U.S.C.507 (a)(8).

Other Specify applicableparagraph of 11 U.S.C. 507(a)(__).

Amount entitled to priority:

$_______* Amounts are subject to adjustment

on 4/1/10 and every 3 years thereafter

with respect to cases commenced on

or after the date of adjustment.

2. Basis of Claim: Money Loaned .

3. Last four digits of any number by which creditor identifies a debtor: ######3380

3a. Debtor may have scheduled account as: _________

4. Secured ClaimCheck the appropriate box if your claim is secured by a lien on property or a right of setoff and provide the requestedinformation.

Nature of property or right of setoff: Real Estate Motor Vehicle Other

Describe:

Scheduled Value of Property: $130,000.00 Current Adjustable Interest Rate 8.990%

Amount of arrearage and other charges as of time case filed included in secured claim,

if any: $17,082.08 Basis for perfection: Mortgage .

Amount of Secured Claim: $127,157.42 Amount Unsecured: $___________

6. Credits: The amount of all payments on this claim has been credited for the purpose of making this proof of claim.

7. Documents: Attach redacted copies of any documents that support the claim, such as promissory notes, purchase orders,invoices, itemized statements or running accounts, contracts, judgments, mortgages, and security agreements. You mayalso attach a summary. Attach redacted copies of documents providing evidence of perfection of a security interest. Youmay also attach a summary. (See definition of redacted on reverse side.)

DO NOT SEND ORIGINAL DOCUMENTS. ATTACHED DOCUMENTS MAY BE DESTROYED AFTER SCANNING.

If the documents are not available, please explain:

Date: 2/3/11 Signature: The person filing this claim must sign it. Sign and print name and title, if any, of thecreditor or other person authorized to file this claim and state address and telephone number if different from the noticeaddress above. Attach copy of power of attorney, if any.

/s/ Cari A. Kauffman ARDC# 6301778 FN: 14-10-20870

FOR COURT USE ONLY

Penalty for presenting fraudulent claim: Fine of up to $500,000 or imprisonment for up to 5 years, or both. 18 U.S.C. 152 and 3571.

Case 11-02610 Claim 1-1 Filed 02/03/11 Desc Main Document Page 1 of 21


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UNITED STATES BANKRUPTCY COURTNORTHERN DISTRICT OF ILLINOIS, EASTERN DIVISION

IN RE:

__________________________________________________________________________________________

Arrearage: Mortgage Payments:(8) @ $1,642.95 from 6/1/2010 to 1/1/2011 = $13,143.60

Appraisal Fees $50.00Accrued Late Charges $329.42NSF $25.00Property Preservation $80.00Property Inspections $15.00Escrow Shortage - Arrears $696.31

Arrearage Amount: $14,354.33

Foreclosure Fees $910.00Foreclosure Costs $1,182.75Previous BK Fees $650.00

Additional Charges: $2,742.75

TOTAL ARREARAGE AMOUNT DUE: $17,082.08

ESTIMATED PAYOFF

Unpaid Principal Balance: $112,864.85Interest From Last Paid Installment: $7,665.55Appraisal Fees: $50.00

Escrow Advances: $3,386.85NSF: $25.00Property Preservation: $80.00Property Inspections: $30.00Attorney Fees and Costs: $2,742.75Late Charges: $329.42

TOTAL ESTIMATED PAYOFF: $127,157.42

CLAIM FOR CURRENT MORTGAGE PAYMENTS: (if the plan so provides)Current Mortgage Payment: $1,358.84 beginning 02/01/2011.

Property Address: 113 Willow Avenue, Joliet IL

* Late charges will be assessed to all late payments consistent with the terms set forth in the mortgageinstrument and state law.

* Post-petition, pre confirmation fees have been incurred in connection with the bankruptcyproceeding in the amount of $300.00 . This amount has not been included as part of the arrearageclaim.

*In the event this Chapter 13 has been filed and there is no stay in effect, or if the automatic stay issubject to expiring, this claim is being filed for information purposes only and is not a waiver of theSecured Creditors rights regarding the limitation or non existence of the automatic stay.

NOTE: This law firm is deemed to be a debt collector.

MELISSA NORTON

DEBTOR(S),

Case No. 11 B 02610Chapter 13

Judge Bruce W. Black



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