  5  1 2 3 4 5 6 7 8 9  10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28    and early May, VLG sent documents to New Penn Financial. Anthony provided additional documents once asked.   Shellpoint, who remained the servicer, had received all  necessary documents to evaluate the modification request by mid- May. A trial loan modification was then approved. VLG notified Anthony and Maria. The trial modification was for three months and included a principal deferment. Payments were about $460.00 less per month than before. The interest rate was 4.25% and the three-month trial period began on July 1, 2018.6 Shellpoint wanted the payments during the trial period by auto pay, which Anthony and Maria agreed to do.   The Villas made all three trial payments.    Near the end of September, Anthony and Maria told VLG they  were going through a divorce. Maria wanted to sell the residence. VLG suggested they wait until the modification was finalized. Shellpoint sent the permanent modification to the Villas at their residence. Anthony requested time to collect all signatures, as well as a delay for the first payment under the permanent modification.7 In early October, Anthony told VLG he and Maria were going to or had signed the permanent modification. But he also mentioned he wanted to file Chapter 13. Anthony testified he was living in his car, and he purchased a car since he was using it as a residence at times. Anthony asked how the contract would be affected in a Chapter 13.    6  In early June, Anthony thought their residence was sold. He contacted  Nadia at VLG, and Nadia found that it had not been sold and reported that to  Anthony.  7  In fact, Anthony had been told before that if the permanent  modification was not yet complete by October 1, to expect to make another  payment provided in the trial modification.  Filed 04/07/22  Case 20-01054  Doc 100

Document 100