Judge Christine M. Gravelle
Hearing Date: 4/3/2024
Hearing Count: 0
Last Updated: 04-29-2024 07:07 AM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
04/3/2024 8:30 am24-10652 / RG Jonathan Stone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $696.00
AS OF 4/1/24/SF UPDATED

RECOMMEND $450 PTD, $246 X 58 (BEGIN 4/1/24) BASE W/MIN $1,774 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE
- OK TO PAY ARREARS CLAIM 8-1 TO PNC BANK
- DEBTOR TO PROVIDE COPY OF 2023 TAX RETURN BY 5/31/24
- CONFIRM PER TRUSTEE ORDER OF DISTRIBUTION
- DEBTOR TO MAKE PAYMENTS VIA TFS



Trustee Objection:
- The debtor has insufficient income Verifiable income leaves monthly disposable income of -$143.69. (ok with TFS payments)

- Need A copy of the last filed tax return - 2023 by 5/31/2024.

- There is $2200 in non exempt equity in the residence.

- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution


Plan proposes $225 x 60 Base
Payments: 2/2

RESOLVED ISSUES:
- Domestic Support Obligation information sheet. (The plan proposes to pay $8600 to DSO but name of recipient is not listed in Plan) RECEIVED
- Need proof of contribution form brother for 700/month. (RECEIVED)
- Need a statement for the debtor's retirement loan. (RECEIVED) EXPIRES IN 48 MONTHS
- Proof of 2 month's income - need November pay stubs. (RECEIVED)
- There is $5,704 in non exempt equity in the bank accounts. (MOOT PER CURRENT STATEMENTS)
- Need November and December bank statements for Valley account 3553. (RECEIVED)
- Need a statement for the Charles Schwab account.(RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)
Matter ResolvedRequest
Adjourment
14/3/2024 9:00 am18-20431 / CMGJoseph I. Windman, Esq.Motion for Exemption from Participation in Financial Management CourseGranted
FIN MTGMT COURSE

mk: for debtor as he has passed away
Matter ResolvedRequest
Adjourment
24/3/2024 9:00 am19-16297 / CMGCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultContinued
5/1/2024 9:00 am
Total Paid In: $38,572.00
New Motion to Sell Filed and on 5/1/24

3/22/24:(mk): prior sale motion was granted. That fell thru and have new K for sale - NEEDS A NEW MOTION TO APPROVE SALE



mk : creditor upload adj request for 4/3 to allow more time for sale of prop. to occur in March SALE MOTION ON 3/6/24

11/1/23
creditor - Its 3rd default- wants judge
debtor -filed Mp to sel (Blane Ave prop)= debtor says lots of equity. realtor retained and has listing agmt


MP for sale of RE confirmed 12/6 sale by 2/1/24
Oder extending deadline FOR SALE ENTERED 2/13/24
Matter ResolvedRequest
Adjourment
34/3/2024 9:00 am19-18582 / CMGYakov Rudikh, Esq.Creditor Certification of DefaultGranted
>>PLAN IN MO 60= EXPIRED

Debtor obj, made pymts<> WILMINGTON/Kingsberry Dr (Powers)

mk: arrears as of 2/13/24 $3,038.51
Debtor says made prior payments and will make March payment by end of month.
Matter ResolvedRequest
Adjourment
44/3/2024 9:00 am19-20477 / CMGThomas J. Orr, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToOrder to be SubmittedTotal Paid In: $32,420.00
MTN EXPUNGE CLM of Freedom MTG

says debtor obtained mtg deferral agmt and that provided for Freedom POC to be" deemed modified and incorporated into mtg deferral agmt"

Freedom mtg now says deferral only covers post pet. arrears and balance of pre pet arrears claim remains due .
orig claim 8-1 arrears 16,047.52. Tr has pd 10,958.52 onthat ( note claim reduced to the 10,958.52 in payees due to LM)
debtor says leaves 5,089 remaining on that POC. despite def agmt- that debtor says covered pre and post arrears - debtor sill willing to pay remaining bal of pre pet arrears -her atty has a ck for 4,721 to be sent to TR to be added to payments made
PPSD ORDER asks that claim be modified to reflect 5,089 to be paid thru plan to Freedom
Matter ResolvedRequest
Adjourment
54/3/2024 9:00 am19-20477 / CMGThomas J. Orr, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $32,420.00
AMT: MP 4/3 <<>> HR

>>Motion to Expunge Freedom mtg claim on 4/3/24<

2/16: adj request uploaded to 3/6 . reason: waiting on mtg co to confirm balance due on POC as deferral agmt only covered post pet.


1/9/24(mk: Update from earlier note: we think there is about $7,300 needed to complete the plan. I am waiting on confirmation that the mortgage holder will refund $4,334 to the trustee. Ms. McCain continues to make trustee payments of $662 a month. This should get her to the finish line at the same plan funding as originally confirmed. I have a modified plan drafted and will file it as soon as Matt Fissel or Andrew Spivack confirm the refund



1/8/24:email reply from T. Orr= still trying to sort of if Mtg Mod resolved only post pet or both pre and post arrears. Tom is aware plan must be completed by 4/24.

1/5/24(mk): NEED UPDATE FROM PARTIES- email to atty

12/12/23(mk): need to hear from debtor atty as to: email from Andy Spivak to debtor atty following up: he does not believe the POC has not been paid in full. That Deferral agreement only pertained to post arrears.



11/8(mk) atty says: debtor has LM to cover all pre and post pet arrears- about to file the motion. If app'd claims #8,10 and 13 will be satisfied leaving atty fees and small div. to gucs- adj 30 days for this w to play out

11/7/23(mk): RECAP IS 25,872 PTD, Then Lump sum$ 662 by 11/25/23 Then 1,847 x 6 Begin 12/1/23. email to atty

Debtor obj, made pymts, filing mtn to reinstate<>SV/FREEDOM MTG;

MOTION TO REINSTATE STAY WAS GRANTED

AMT: TR MTN DID NOT ADDRESS FEASIBILITY. CURING ARREARS WILL NOT COMPLETE PLAN TIMELY DUE TO PP ARREARS ADDED ( mk; emailed atty about this )
Matter ResolvedRequest
Adjourment
64/3/2024 9:00 am19-21201 / CMGScott E. Kaplan, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
SV/LAND HOME FINANCIAL; ARREARS 2,334. Last pay was 11/30/23
Matter ResolvedRequest
Adjourment
74/3/2024 9:00 am19-25109 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Continued
4/17/2024 9:00 am
Total Paid In: $67,315.00
parties need an accting- need another adj to 4/17

Debtor obj<>SPECIALIZED LOAN/Strathmere St (STEWART LEGAL)

Post pet :2,605.32
debtor said payments made and not accounted for
Matter ResolvedRequest
Adjourment
84/3/2024 9:00 am19-32024 / CMGJoan Sirkis Warren, Esq.Trustee Certification of DefaultContinued
5/1/2024 9:00 am
Total Paid In: $18,650.00
MP 5/1/24

MTH To APPROVE LM FILED
Debtor obj, filing MP<> ARREARS

Matter ResolvedRequest
Adjourment
94/3/2024 9:00 am20-10231 / CMGAngela Nascondiglio Stein Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/1/2024 9:00 am
Total Paid In: $19,184.00

MP filed 4/1- will adj this to 5/1/24

Debtor obj, filing MP<>FAILED TO LM BY 9/15/21; SV/HSBC on mortgage
Matter ResolvedRequest
Adjourment
104/3/2024 9:00 am20-14523 / CMGBARRY J ROYMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $109,987.00
As of 3/20/24, the debtor is current through March - MOTION WITHDRAWN (dm)
Matter ResolvedRequest
Adjourment
114/3/2024 9:00 am20-17105 / CMGRobert Stephen Casagrand, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $29,716.00
amt: arrears cured through March, will complete timely<>

Debtor obj<>ARREARS<<>>

debtor says payment due to post on 3/15/24 epay for 3,196
Matter ResolvedRequest
Adjourment
124/3/2024 9:00 am20-17312 / CMGJohn Zimnis, Esq.Motion Relief from Stay (Fee)Continued
4/17/2024 9:00 am
Total Paid In: $12,302.00
4/17 for resolution


ALLY BANK/2017 Ford F150 (LAVIN CEDRONE)

debtor> Wants loan history - iut was 7 htr loan and has 2 mos left can''t owe what creditor says - does not make sense
Matter ResolvedRequest
Adjourment
134/3/2024 9:00 am20-21659 / CMGDavid G. Beslow, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $22,260.00
3/20 : creditor says $ sent - need to post before can w/d Cert wants adj to 4/3


AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, will request repayment if not cured<>NATIONSTAR/Mercer St (LOGS)
Matter ResolvedRequest
Adjourment
144/3/2024 9:00 am21-10194 / CMGLee M. Perlman, Esq.Notice of Voluntary DismissalGranted
NOTICE OF VOLUNTARY DISMISSAL/DEBTOR DECEASED
Matter ResolvedRequest
Adjourment
154/3/2024 9:00 am21-18301 / CMGFrederick J. Simon, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
SV/MORTGAGE ASSET/ ARREARS 5,640. Last pay 12/6/23
Matter ResolvedRequest
Adjourment
164/3/2024 9:00 am22-10812 / CMGCamille J. Kassar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $29,711.00
AMT: MP 4/3<
>

New MP filed 2/19- needs date then adj this to that


AMT: MP(#71) 2/21/24<>

treats wells fargo as unaffected- mk; say SV as unaffected...and cap arrears 100% plan.

(AMT: OBJ DOES NOT ADDRESS SV)<<>>

Debtor obj<>SV/WELLS FARGO(2009 Honda); ARREARS 4,020

arrears added up from mos of 1/23-4/23 . Debtor did not make full TR payments for those months
Matter ResolvedRequest
Adjourment
174/3/2024 9:00 am22-12546 / CMGJohn Zimnis, Esq.Trustee Certification of DefaultDismissed
Atty filed obj<> ARREARS 44,688. Last pay 11/28/23

mk:Opp'n says noting - just atty preserving rights as debtor was unable to get to atty office to do whatever
Matter ResolvedRequest
Adjourment
184/3/2024 9:00 am22-12735 / CMGDaniel E. Straffi, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $6,900.00
(AMT: LM WAS DUE 12/1/2023 AND EXTENDED LOSS MIT EXPIRED 2/13/24)<<>>

Debtor obj, can pay over 30 days<>PHH/East Haines St (RAS)

arrears 13,000 debtor says $ coming from non debtor spouse retirement funds

no lm in place- NEED TO SUBMIT AN APPL. ASAP
Matter ResolvedRequest
Adjourment
194/3/2024 9:00 am22-14223 / CMGTHOMAS M MONAHAN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $41,320.00
3/30/24: ARREARS $320- email to atty w/ recap which is only a few dollars higher- but this would be 2nd Tr recap

ATTY OK TO TERMS

>> Recap is 38,820 PTD Then 2,484 x38 begin 4/1/24. Debtor to sign up for Ewage w/in 10 days
Add to order debtor must update the Trustee on status of any claim /suit related to Possible PI case 8 mos from entry of any tr order.



WHAT IS STATUS OF DEBTOR'S CLAIM IN AUTO ACCIDENT THAT OCCURED AFTER CONFIRMATION? MK: atty says - only uses as excuse for falling behind in her payments - No case as of yet- if she pursues they will retain sp counsel amended B & C etc- IF SHE DOES NOT PURSUE - TR NEEDS A CERT. OF DEBTOR TO THAT EFFECT

---------------------------------
2/20/24: stay will be reinstated on 2/21/24 Plan was to pay the Mtg claim and she may try to Loan mod - but has decided not to and its straight cure plan so once Order reinstating stay is entered Tr can disburse to the creditor again. adj 30 days to make sure she's current on Tr payments


Debtor obj<>SV/US BANK; FAILED TO COMPLETE LM WITHIN 6 MO OF 11/16/22 CONF

MK: cert in support of Motion to Reinstate the Stay says had auto accident after case was confirmed- no notice to Tr or amended schedules or retention of special counsel

WHAT IS STATUS OF DEBTOR'S CLAIM S IN AUTO ACCIDENT THAT OCCURED AFTER CONFIRMATION?
Matter ResolvedRequest
Adjourment
204/3/2024 9:00 am22-15140 / CMGMarc C. Capone, Esq.Creditor Certification of DefaultContinued
4/17/2024 9:00 am
Total Paid In: $21,413.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, making pymts<>FAY SERVICING/Santa Anita Lane (Friedman Vartolo)

MK: arrears 3,837.63 as of 2/26/24
debtor says was ill can make payments
Matter ResolvedRequest
Adjourment
214/3/2024 9:00 am22-15479 / CMGEugene Roth, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $30,619.00
Resolution Details:
6-month cure; insurance clause, counsel fees/costs through the plan




debtor opp'n>CARMAX AUTO/2015 Lexus (EISENBERG)

debtor has offered a proposal to cure car arrears.
Matter ResolvedRequest
Adjourment
224/3/2024 9:00 am22-16293 / CMGKarina Pia Lucid, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/17/2024 9:00 am
Total Paid In: $43,839.00
ARREARS $8,460; FAILED TO ADDRESS ESTIMATED IRS POC

4/17 for APOC by IRS and $ to post for payments
Matter ResolvedRequest
Adjourment
234/3/2024 9:00 am22-17041 / CMGGeorge E. Veitengruber, III, Esq.Creditor Certification of DefaultContinued
5/15/2024 9:00 am
Total Paid In: $6,562.00
Debtor obj, provided sales contract<>US Bank/Eighth Ave (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
244/3/2024 9:00 am22-17041 / CMGGeorge E. Veitengruber, III, Esq.Application for Retention/RealtorGrantedTotal Paid In: $6,562.00
Tr limited obj<> MTN TO RETAIN REALTOR<<>>

the listing agreement has been provided so TR obj can be w/d and cand be G
Matter ResolvedRequest
Adjourment
254/3/2024 9:00 am22-18023 / CMGEdward Nathan VaismanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $31,754.00
FAILED TO ADDRESS LATE FILED PRIORITY CLM OF ELIZABETH DAVIS( child support)


3/26(mk) atty email says debtor wants to pay the late DSO claim and needs a recap.

Tr order will add language that Tr is authorized to pay late claim #9-1 of Elizabeth Davis and plan RECAP
 $28,354 ptd (17)
 $4,300 x 43 beginning 4/1/23
 Trustee is authorized to pay Elizabeth Davis late filed claim #9-1

>amt sent email to atty w/ terms on 3/26 Mk: atty passing info on to client
Matter ResolvedRequest
Adjourment
264/3/2024 9:00 am22-18083 / CMGLee M. Perlman, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $23,806.00
AMERICREDIT /2015 Silverado (EISENBERG)


MK: This is car that was totaled and is the subject on Motion to Approve Insurance Settlement to creditor on 4/17- debtor got no $ car totaled
Matter ResolvedRequest
Adjourment
274/3/2024 9:00 am22-19692 / CMGKevin C. Fayette, EsqMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $8,650.00
Debtor obj, proposed pymt & recap<>SANTANDER /Thropp Ave(BROCK & SCOTT)

3/27/24(mk) Order submitted: outside cure direct to creditor
Matter ResolvedRequest
Adjourment
284/3/2024 9:00 am23-10255 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $20,510.00
ARREARS cured
Matter ResolvedRequest
Adjourment
294/3/2024 9:00 am23-12022 / CMGLee M. Perlman, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $8,429.00
4/16 AMT: ORDER TO CHAMBERS/7 DAY<<>>
4/5 AMT: ORDER TO PARTIES FOR REVIEW<>

4/2 AMT: PRELIM DRAFT OF ORDER RESOLVING/CONDUIT TO PARTIES, PENDING CRED INFO<<>>

4/2/24 (SF) Per Ms. Callahan, all parties agree to making the plan a conduit plan.


3/29/24(mk) email form creditor; agrees to conduit and creditor believes debtor agrees to conduit- will provide default figures to AMT once we confirm debtro agress to conduit


AMT; TR LTR REQUESTING CONDUIT/ORDER RESOLVING MFR, DOC #29 REQUIRED CONDUIT WITH FUTURE DEFAULT<>

Debtor obj, making pymt & agree to conduit<>AMERICAN NEIGHBORHOOD MTG/Bilge Ave (Pluese Becker)

MK: arrears 9,700.50 as of 2/20/24
debtor says made payment 6,000 on 3/11/24 agree to conduit to prevent further default.
Matter ResolvedRequest
Adjourment
304/3/2024 9:00 am23-12022 / CMGLee M. Perlman, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $8,429.00
AMT; FILED STATUS CHANGE FROM TR ORDER TO W/D - ORDER ON CRED DEF CERT/W CONDUIT & RECAP <<>>

AMT: CRED DEF CERT TO BE RESOLVED W/CONDUIT & WILL RECAP ARREARS<>

Debtor obj, made pymt<> ARREARS 1,144 which is 1 payment
Matter ResolvedRequest
Adjourment
314/3/2024 9:00 am23-12456 / CMGJustin M. Gillman, Esq.Creditor Certification of DefaultContinued
4/17/2024 9:00 am
Total Paid In: $8,080.00
3/20:credtor wants 2 more weeks - debtor says she is current- TR pressing conduit

creditor adj request to 3/20 for ongoing settlement discussions

AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, made pymt<>M&T Bank/Central Ave (McCalla)

Mk; post pet :4,034.31
debtor to cure in reasonable time..
Matter ResolvedRequest
Adjourment
324/3/2024 9:00 am23-12564 / CMGMarc C. Capone, Esq.Motion Turnover of PropertyMoot
3/21/25: creditor( Dane Magiafico- Rep by D. Bruck esq.) brief in opp'n filed

Dane Mangiafano response (Greenbaum Rowe)<>DEBTOR MTN FOR TURNOVER OF PERSONALTY AND SANCTIONS
Matter ResolvedRequest
Adjourment
334/3/2024 9:00 am23-12564 / CMGMarc C. Capone, Esq.Trustee Certification of DefaultDismissed
3/20: Mk :atty needs 2 weeks to convert to 7 - can't make payments

Debtor obj<> ARREARS 3,404 as of 3/15/24

Opp'n says debtor o lost PT job- filing a MP and amended sch I & J due to loss of income
Matter ResolvedRequest
Adjourment
344/3/2024 9:00 am23-12724 / CMGLaurence R. Sheller, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $9,416.00
Debtor obj<>CARIBOU CAPITAL (GARY ZEITZ)

order submitted 3/28/24
Matter ResolvedRequest
Adjourment
354/3/2024 9:00 am23-12758 / CMGJohn Zimnis, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $1,100.00
3/26/24 Letters testamentary uploaded

3/12/24:mk email to atty about appointment papers- atty says working on it

MTN FOR CONTINUED ADMINISTRATION

MK: non filing spouse- trying to save home
will was provided in 13 docs - spouse and son beneficiaries and they reside in the home.

NO COUNTY SURROGATE APPOINTMENT PAPERS PROVIDED- that appoint her as executrix of the estate. (MK: per atty getting it)



Matter ResolvedRequest
Adjourment
364/3/2024 9:00 am23-12999 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/15/2024 9:00 am
Total Paid In: $15,120.00
MP ON 4/3 >> ISSUES<<


prop now listed for sale


MP at #44 was w/d then filed MP at #47

Debtor obj, filing MP<>FAILED TO LM BY 10/31/23; FAILED TO FILE FEE APP WITHIN 7 DAYS OF 10/4/23 CONF

mk: debtor has listed RE for sale needs to extend time to sell
Matter ResolvedRequest
Adjourment
374/3/2024 9:00 am23-13119 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/1/2024 9:00 am

ADJ request uploaded Friday for motion and Conf (mk)-DENUED

MP on 4/3>>ISSUES>>

2/21: had back and forth w/ mtg co - new atty for lender West Coast- LM has now been offered

case is 10 mos old -

email for atty- requesting 2 more weeks-working on finalizing LM and then will file a MP

Debtor obj<>PLAN WAS DENIED ON 12/20/23 AND FAILED TO FILE MP WITHIN 21 DAYS

debtor says is filing a MP to address claim of West Coast Serv.

2/7/24:debtor was offered to negotiate w/ 2nd mtg
Matter ResolvedRequest
Adjourment
384/3/2024 9:00 am23-13278 / CMGWarren Brumel, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $19,100.00
Debtor obj, seasonal work/will try to catch up<>PHH MTG/Laurel Ave (ROBERTSON)

3/18/24 OTBS:Resolution Details:
3 MONTH CURE; REGULAR PAYMENTS TO BEGIN 4/1/24; CURE PAYMENTS TO BEGIN 4/15/24

Matter ResolvedRequest
Adjourment
394/3/2024 9:00 am23-13740 / CMGCarrie J. Boyle, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $9,868.00
Debtor obj, made pymt<>AMERICAN NEIGHBORHOOD MTG /Niagra Lane (PLUESE BECKER)

Mk arrears 7, 462.25 as of 2/1/24

debtor says PD $8,998.34 and not accounted for
Matter ResolvedRequest
Adjourment
404/3/2024 9:00 am23-13870 / CMGJohn Michael McDonnell, Esq.Motion Relief from Stay (Fee)Revised Order SubmittedTotal Paid In: $115,560.00
3/28/24(mk) A revised Order vacating stay was submitted. Orders was not copied so the Court forwarded it to me. Debtor's atty was not copied on original submission so i copied him on my reply to Ct- I marked it as revised Order Submitted and asked if that is incorrect to let me know. The order grants the stay vacate


ATCF II NEW JERSEY /Mountainview Court (GARY ZEITZ)

another MRF filed by US Asset Funding(Hill W) on 4/17
Matter ResolvedRequest
Adjourment
414/3/2024 9:00 am23-13878 / CMGRobert Cameron Legg, Esq.Order Shorten TimeContinued
4/17/2024 9:00 am
Total Paid In: $10,480.00
ADJ FOR PYMTS TO POST BY 4-15
>.OST<<

MTN TO REINSTATE STAY/BELTWAY CAPITAL

MFR resolved by Order entered 3/6 (#43): debtor made payment on arrears but then was 3 days late w/ March mtg payment
parg #5 or Order said SV if not made BUT.. mk at parg 5 says a Cert had to be filed if default.

Creditor scheduled a Sheriff sale- made large payment in Feb to be current thru March
Matter ResolvedRequest
Adjourment
424/3/2024 9:00 am23-14373 / CMGNicholas Fitzgerald, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $7,076.00
Debtor obj, requests recap<>PERITUS PORTFOLIO/2014 Ford Edge (EISENBERG)

Order submitted

OTBS:
Resolution Details:
6-month cure, 30-day default clause, insurance clause, counsel fees through plan

Matter ResolvedRequest
Adjourment
444/3/2024 9:00 am23-14460 / CMGGeorge E. Veitengruber, III, Esq.Motion File Claim After Claims Bar DateRevised Order SubmittedTotal Paid In: $31,725.00
revised order submitted 3/12/24

mK: NEEDS A BETTER ORDER-

needs a revised order that is specific and has language that PAYS LATE CLAIM #4-1 ARREARS IN THE AMOUNT OF 129,299.60
Matter ResolvedRequest
Adjourment
434/3/2024 9:00 am23-14460 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $31,725.00
motion to Allow late Claim on 4/3/24


Debtor obj<>FAILED TO COMPLY WITH PROVISION OF 12/6/23 CONF FOR A POC TO BE FILED FOR SLS AND MTN AUTHORIZING TRUSTEE TO PAY LATE CLM

mk: on 2/16 creditor CSMC TRUST/ Select Portfolio filed claim- LATE CLAIN SO NEEDS A MOTION TO ALLOW OR CO
Matter ResolvedRequest
Adjourment
454/3/2024 9:00 am23-14650 / CMGRobert Manchel, Esq.Creditor Certification of DefaultContinued
4/17/2024 9:00 am
Total Paid In: $30,100.00
PYMT TO LENDER BY 4-15 THEN CONDUIT
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, proposes 6 mo recap<>FAY SERVICING/Wendover Rd (Friedman Vartolo)

mk: Post pet 19,503.06 as of 2/7/24
Matter ResolvedRequest
Adjourment
464/3/2024 9:00 am23-15094 / CMGLee M. Perlman, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $13,180.00
4/3 (mk) order submitted


mk: OTBS cure by 4/30

Debtor obj, made pymt/current<<>>FIFTH THIRD BANK/2021 Sweetwater Pontoon (STEWART)
Matter ResolvedRequest
Adjourment
474/3/2024 9:00 am23-15340 / CMGSteven Alan Alpert, Esq.Motion Convert Chapter 13 to Chapter 7 (fee)Granted
TR MTN TO RECONVERT TO CH 7

arrears now $5,416. Last pay 11/7/23
Matter ResolvedRequest
Adjourment
484/3/2024 9:00 am23-15720 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Order to be SubmittedTotal Paid In: $13,820.00
4/2 AMT: DRAFT ORDER TO PARTIES - CREDITOR ATTY OK/CAN BE TR ORDER IF DEBTOR ATTY AGREES<<>>

3/28/24(mk): AMT and attys working on #s to resolve

3/30 needs short adj to clear it up


Debtor obj, paid mtg co/requests recap<>ARREARS 18,389.80
there is Order for Conduit Mtg payments so monthly payment is $6,800 p/m

mk: debtor wants recap... he has not made any of the 3 conduit payments at 6,800 begin Jan. In Jan he made 1,000 payment and in March made a 1,010.10 payment
Matter ResolvedRequest
Adjourment
494/3/2024 9:00 am23-15724 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $4,500.00
LM motion filed - OK


3/20- debtor signed LM agreement and filed motion to approve LM

NEED UPDATE

WHAT'S STATUS OF lm DEADLINE WAS 3/1/24?
atty has not gotten a response.
this was adj from 3/6/ to 3/20

2/20: order extending Loss Mit to 3/1/24 submitted today


motion extending loss mit was marked OTBS on 1/17/24. STILL NO ORDER SUBMIITEED AS OF 2/14/


Debtor obj<>FAILED TO LM BY 11/14/23; Debtor filed Motion to Extend Loss Mt to 4/1/24 (obj deadline is 1/2/24


FAILED TO ADDRESS IRS EST CLM #6-1u- APOC FILED 12/27/23
Matter ResolvedRequest
Adjourment
504/3/2024 9:00 am23-15974 / CMGJames J. Cerbone, Esq.Motion Relief from Co-Debtor StayOrder Previously SubmittedTotal Paid In: $9,351.00
mk: order submitted 4/1- total cure outside


debtor obj, made pymts<>SN SERVICING /5th Ave (FRIEDMAN)

mk: Post pet 4,343.11 as of 2/13/24
debtor says: Atty holding Cert. Ck for 5429.64
Matter ResolvedRequest
Adjourment
514/3/2024 9:00 am23-16177 / CMGJoseph Casello, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $15,800.00
OTBS:Resolution Details:
30-day Default clause beginning with April payment; insurance clause; counsel fees/costs through the plan



TRUIST BANK /2017 Jeep (EISENBERG)
auto

debtor says - it was paid
Matter ResolvedRequest
Adjourment
524/3/2024 9:00 am23-16235 / CMGVera Fedoroff, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/15/2024 9:00 am
Total Paid In: $6,820.00
conf 4/3/24>>HAS TERMS<<

2/14/24(mk FILED MP #25 on 3/20 TO EXTEND DEADLINE FOR LM to 4/25/24

debtor opp'n>FAILED TO LM BY 1/11/24; FAILED TO FILE ORDER RESOLVING TRUMAN 2021 SC9 TITLE TRUST OBJ TO CONF W/I 30 DAYS OF 9/25/23 CONF ORDER

debtor says all docs submitted to lender
Matter ResolvedRequest
Adjourment
534/3/2024 9:00 am23-16814 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/1/2024 9:00 am
Total Paid In: $14,922.00
MP #37 filed 3/36- NO LONGER A LM BUT A CURE PLAN NOW

FAILED TO LM BY 1/31/24; FAILED TO FILE ORDER RESOLVING DEUTSCHE OBJ BY 12/20/23
Matter ResolvedRequest
Adjourment
544/3/2024 9:00 am23-17294 / CMGJeffrey H. Ward, Esq.Order Shorten TimeGranted
>>OST<<

MOTION TO DISMISS CASE

>MFR will be granted and then case dismissed
Matter ResolvedRequest
Adjourment
554/3/2024 9:00 am23-17294 / CMGJeffrey H. Ward, Esq.Motion Relief from Stay (Fee)Granted
CSMC 2021-RPL7 / Otter St (ROBERTSON, ANSCHUTZ)

MOTION TO DISMISS CASE WAS FILED 3/26/24- this will be granted and then the case dismissed
Matter ResolvedRequest
Adjourment
564/3/2024 9:00 am23-17335 / CMGCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $1,535.00
Debtor obj, will pay <> ARREARS CURED
Matter ResolvedRequest
Adjourment
574/3/2024 9:00 am23-17739 / CMGJonathan Goldsmith-Cohen, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $1,800.00
MTN APPV NJ ERMA FUNDING

mk: funding wlil pay pre and post mtg arrears

there are only 2 claims in case - the mtg and 1 guc for $250
Matter ResolvedRequest
Adjourment
584/3/2024 9:00 am23-17985 / CMGPeter E. Zimnis, Esq.Motion Relief from Co-Debtor StayOrder to be Submitted
OTBS:Resolution Details:
Debtor current through March 2024. A stay current Order with standard default clauses and fees will be entered



Debtor obj, pymts not accounted for<>SELENE FINC / Rt 33 (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
594/3/2024 9:00 am23-17987 / CMGJohn Zimnis, Esq.Motion Relief from Co-Debtor StayContinued
5/15/2024 9:00 am
Total Paid In: $4,500.00
Debtor obj, sale pending<>WELLS FARGO /Lake Drive (BROCK & SCOTT)

order for sale entered 2/22/24
creditor request to adj to 5/15/24
Matter ResolvedRequest
Adjourment
614/3/2024 9:00 am23-18292 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/17/2024 9:00 am

3/27/24: MP #88 filed on for 4/17/24



plan was DENIED back in on 1/43/24. as of 3/14 24 No proper form of MP has been filed on 2/26/24 debtor filed old form of plan. Mk emailed him on 2/2/4 and attached the current plan form and told him the m Tr Motion To Dismiss had been adjourned to 4/3/24


debtor filed MP on 2/16- WRONG FORM on 2/20 mk sent debtor correct plan form and requested he complete , sign and file it ASAP. I agreed to adj Tr motion to 4/3 to hopefully be on same heariing date as new MP

Debtor response<>PLAN WAS DENIED ON 1/3/24 AND FAILED TO FILE MP WITHIN 21 DAYS

2/15/24(mk): sent email to debtor asking when he was filing the MP. then Tr motion can be adjourned to that hearing date.
Matter ResolvedRequest
Adjourment
604/3/2024 9:00 am23-18292 / CMGDaniel E. Straffi, Esq.MotionContinued
4/23/2024 10:00 am

Shellpoint obj (Friedman Vartolo)<>DEBTOR MTN FOR MULTIPLE RELIEFS

>> Per parties & CT. ADJ TO 4/23/24 AT 10:00am TO BE ON W/ ADV.PRO MOTIONS
Matter ResolvedRequest
Adjourment
624/3/2024 9:00 am23-18384 / CMGScott E. Kaplan, Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)Granted
115 CASCADE CT

Sale K 415,000
case has conf 3/20 BUT NO 341 YET- needs a date( only missing soc sec card)

PLan is base But bar date has passed and gucs only 8,202.86- so it will be 100% there is equity in property
MTG lien condo Obj. to confirmation - NO CLAIM FILED and B OF A J'ment on sch D filed unsecured claim

ORDER HAS PROCEEDS TO TR
it also checks MP to be filed


>>4/2/24 CO for limited stay relief allowing Mtg co to back to Superior Ct and Amend Foreclosure J/Ment to add add'l costs

Matter ResolvedRequest
Adjourment
634/3/2024 9:00 am23-18964 / CMGBrian Gregory HannonMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Revised Order Submitted
dismissed 2/21/24 for no insurance on PA Lot

- insurance provided

TR LIMITED OBJECTION:
- NEEDS REVISED ORDER - USING THE UPDATED FORM (rev 8/1/23)

THAT ADDS A CONF DATE of 5/1/24 and in last ordered parag. ADDS THE FOLLOWING LANGUAGE: DEBTOR MUST MAKE THE March and April trustee payments w/in 7 days of entry of order vacating dismissal of the case
Matter ResolvedRequest
Adjourment
644/3/2024 9:00 am23-19439 / CMGPRO SEMotion File Claim After Claims Bar DateContinued
4/17/2024 9:00 am
Total Paid In: $1,151.00
MTN AUTHORIZING TRUSTEE TO PAY LATE POC/CAPITAL ONE AUTO FINANCE

IS SERVICE OK? NEEDS CERTIFIED MAIL BECAUSE CAP ONE IS FDIC

debtor motion to file late claim for creditor

TR Obj>NEEDS service by Certified mail on creditor.

NEEDS AMENDED CERT OF SERVICE FILED


Matter ResolvedRequest
Adjourment
654/3/2024 9:00 am23-19519 / CMGJonathan Goldsmith-Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $3,251.00
FAILED TO FILE PRECONF CERT BY 2/1/24; COUNSEL FAILED TO FILE FEE APP WITHIN 7 DAYS OF 1/17/24

Fee app 4/17

Pre conf cert filed 3/27/24
Matter ResolvedRequest
Adjourment
664/3/2024 9:00 am23-19671 / CMGJonathan Goldsmith-Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $4,236.00
FAILED TO FILE PRE CONF CERT BY 2/6/24; FAILED TO FILE FEE APP WITHIN 7 DAYS OF 1/17/24 CONF

MK" pre conf cert was filed and fee app on 4/17/24
Matter ResolvedRequest
Adjourment
674/3/2024 9:00 am23-20550 / CMGThomas G. Egner, Esq.Motion Relief from Co-Debtor StayWithdrawnTotal Paid In: $2,971.00
PENNYMAC LOAN (FEIN SUCH)
Matter ResolvedRequest
Adjourment
684/3/2024 9:00 am23-20853 / CMGCandyce I. Smith-Sklar, Esq.Motion Avoid LienRevised Order Submitted
4/2/24Mk Revise order submitted


MTN TO AVOID LIEN/CAVALYR (DC-000697-23)

Mk emailed atty and told her need revised order adding the claim be deemed unsecured

Mp filed 4/1
Matter ResolvedRequest
Adjourment
694/3/2024 9:00 am23-20955 / CMGSteven J. Abelson, Esq.Motion Relief from Co-Debtor StayContinued
5/1/2024 9:00 am
Total Paid In: $3,274.00
5/1/24 for proof of payment

Debtor obj, made pymt<>SELENE FINC / Parkside Lane (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
704/3/2024 9:00 am23-21234 / CMGChristopher G. Cassie, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Withdrawn
MK was dismissed - no 341 due to missing docs

Has uploaded the missing docs so needs a 341 date and then a conf date in the Order vacating the dismissal. JAN & FEB PAYMENTS IN


MAKE CONF DATE 5/15 TO ALLOW TIME FOR 341 TO TAKE PLACE
Matter ResolvedRequest
Adjourment
714/3/2024 9:00 am23-21336 / CMGKevin C. Fayette, EsqMotion Relief from Stay (Fee)GrantedTotal Paid In: $1,200.00
ALLY BANK /25018 Acura (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
724/3/2024 9:00 am23-21794 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order Previously Submitted
debtor opp'n>CITIZENS BANK /2021 Sierra (WELTMAN)

mk: debtor had health issues can pay 1,000 and wants rest cap. into plan

Post pet $3,871.44
Matter ResolvedRequest
Adjourment
744/3/2024 9:00 am24-10142 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Continued
4/17/2024 9:00 am

Debtor obj, paid arrears<>TD BANK /2015 Sierra 500(GROSS)

debtor says paid in full
Matter ResolvedRequest
Adjourment
734/3/2024 9:00 am24-10142 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Continued
4/17/2024 9:00 am

debtor opp'n>M&T BANK /2020 Ford Explorer and F 150 (FITZPATRICK LENTZ)

mk: debtor proposes 1800 ASAP and cap rest into plan
Matter ResolvedRequest
Adjourment
754/3/2024 9:00 am24-10397 / CMGKevin C. Fayette, EsqMotion Relief from Stay (Fee)Order to be Submitted
OTBS:Resolution Details:
30 day default clause, $500 counsel fees $199 cost through plan. Debtor current post-petition. Pre-petition arrears per claim of $13,300.92 to be paid through the modified plan.



3/28(mk) update form debtor atty. Not resolved w/ LL yet. LL wants to make sure April rent is paid -which is due 4/1/24


mk: parties agree to 2 weeks to 4/3 to try to resolve.

NEED UPDATE ON THIS MOTION- 3/12/24: mk email to attys- according to A. Gorski- STILL UNRESOLVED- LL WANTS DEBTOR OUT OF THE PLACE

mk: heard from atty his client dropped of rent and is getting it to Gorski- parties agree to adj to 3/20

RH request for noon-rent due by tonight- if get it then Jt request to adj to 3/20- if don't get it then Hold for Judge at Noon

debtor opp'n>AVALON MTGMT GROUP /Carroll St (GORSKI)

2/16/24:atty for LL email: Debtor's counsel promised to hand deliver February rent. If received I will request adjourning the motion to March 20 to coincide with confirmation. If rent is not paid I will request ready hold for Judge
Matter ResolvedRequest
Adjourment
764/3/2024 9:00 am24-10975 / CMGYakov Rudikh, Esq.Motion Relief from Stay (Fee)Granted
debtor opp'n>MERCEDES BENZ (EISENBERG)

mk: debtor says: make a payment in the amount of $1200.00 every week until I become current.
Matter ResolvedRequest
Adjourment
774/3/2024 9:00 am24-11156 / CMGPRO SEOrder Shorten TimeDismissed
>>OST>>

PRO SE DEBTOR"S MTN TO DISMISS
Matter ResolvedRequest
Adjourment
784/3/2024 9:00 am24-11165 / CMGAllen I. Gorski, Esq.Motion SellContinued
4/17/2024 9:00 am
Total Paid In: $1,600.00
3/15/24 tr objection FILED

3/13/24(mk: atty submitted a Revised Order adding 2 judgment creditors ( from 2007 and 2009) and he file supp cert and serve 2 additional creditors

SALE OF 428 SOUTH LOGAN AV

MK: value 115,000. Sale K for 93,000 . cert says value was arrived at by mtg co and rather than receive exemption of 27,750 and wildcard 1,075 debtor has agreed to give purchaser "gift of equity of 23,250 as a sellers concession towards closing costs of 8,370

sold "as is " so less than market value
debtor say enough to pay liens and all gucs- MK: bar date is 4/16 at sale price appears as of 3/1 NE Equity of 48,816.12( at FMV w/ 13% COS deducted it is $67,405)- proceeds may be able to pay 100%- CLAIMS BAR DATE IS 4/16
PURCHASER IS INSIDER- MOTHER OF DEBTOR"S CHILDEREN AND LIVES W/ DEBTOR AT S. LOGAN AVE.
- what is reason for sale since debtor and purchaser live together in property?
no realtor involved - K prepared by Atty
Matter ResolvedRequest
Adjourment
794/3/2024 9:00 am24-11377 / CMGSteven J. Abelson, Esq.Motion CompelWithdrawn
Valley Nat'l Bank obj (Thompson)<>MTN TO ENFORCE STAY & COMPEL RETURN OF VEHICLE

NOTE:PPSD ORDER HAS PARAG FOR DAMAGE TO DBETRO FOR 1,000 AMD ATTY FEES SO WILL NEED JUDGE IF NOT RESOLVED
Matter ResolvedRequest
Adjourment
804/3/2024 9:00 am24-12388 / CMGFrancis P. Cullari, Esq.Motion Extend TimeGranted
EXTEND STAY

timely filed
prior case failed - due to fell behind in payments - NOW debtor now has a 2nd job so now has income to succeed

Plan filed and 341 on for 5/9/24
Matter ResolvedRequest
Adjourment
814/3/2024 9:00 am24-12592 / CMGYakov Rudikh, Esq.Motion Impose Automatic StayGranted
4/1/24 (sf) - Ms. Greenberg takes no position on this motion.


EXTEND STAY ALL CREDS

mk: Previous case filed by this debtor was transferred out to MAG as DM knows debtor was dismissed by MAG - No 341 and No $

Matter ResolvedRequest
Adjourment
824/3/2024 9:00 am24-12696 / CMGRobert Cameron Legg, Esq.Order Shorten TimeContinued
4/17/2024 9:00 am

bridge order
>>OST<<

MTN EXTEND STAY

as of 4/124: No missing docs filed . no plan filed
OSC for missing docs 4/9/24
Matter ResolvedRequest
Adjourment
834/3/2024 10:00 am19-20477 / CMGThomas J. Orr, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 20 of 59 required payments   Arrears: $0  
Total Paid In: $32,420.00
ISSUES AS OF 3/27/2024 (DM): updated 4/2/24.

***TRUSTEE RECOMMENDS CONFIRMATION AT $29,185 PTD, THEN $1,617.50 x 2 STARTING 4/1/24, BASE PLAN, CONSENT ORDER WITH FREEDOM MTG WITHIN 30 DAYS TO DIRECT TRUSTEE TO PAY $3,074.05 OUTSTANDING CLAIM POST DEFERRAL AGREEMENT. CAPITAL ONE POC (3-1) SHALL BE TREATED AS SECURED UNAFFECTED. SUPPLEMENTAL FEE APP TO BE FILED WITHIN 7 DAYS***

 Atty holding $ 6,607 - motion on 4/3 - if granted, then will be resolved (MOTION MARKED OTBS - NEED TERMS OF THE ORDER.)

 Motion to Expunge Freedom Mtg pending 4/3/24.

1) Deferral Agreement with the mortgage was for the purpose of post-petition arrears only. Per the MP, it is unclear if the mortgage company is going to refund the Trustee. If not, the debtor proposes to pay the $5,089 balance owed on pre-petition arrears ($16,047.52 POC - $10,958.52 paid by Trustee) with an anticipated tax refund.

2) MP fails to treat Capital One on 2013 Lexus ES (TREAT AS SECURED UNAFFECTED?? -- MK: CORRECT.)

3) Need $1,500 supplemental Fee App.


Confirmed Case: $1,551 Ptd, $360 x 16, $662 X 36, Base Plan
Prop. MP: Ptd, $662 x 4, Base Plan.
PTD = $29,185, Arrears $0 as MP filed.
Last Claim (9-1) dated 10/15/19.
Matter ResolvedRequest
Adjourment
844/3/2024 10:00 am22-10812 / CMGCamille J. Kassar, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 18 of 26 required payments   Arrears: $0  
Total Paid In: $29,711.00
As of 3/17/24(mk):

**CAN REC CONFIRM AT $28,008 PTD THEN $ 1,683 x 35 BEGIN 4/1/24 100% . PROTECT EQUITY T/H OF $274,463 Wells Fargo Claim 1-1 to be treated outside plan and unaffected due to stay Vacate**


MP proposes:$623.30 x 10; $710 x 4; $1683 x 9; 100%
35 mos remain in the plan.
Matter ResolvedRequest
Adjourment
854/3/2024 10:00 am22-19726 / CMGScott D. Sherman, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 11 of 16 required payments   Arrears: $0  
Total Paid In: $11,320.00
3/25 workup for the 4/3 calendar EDC

Trustee objection: MP reduces payment by $200 but no amended schedules I & J and no updated POI or 2022/2023 tax returns. Per originally confirmed plan there is around $1700 in monthly disposable income--"OFFICER PAYMENTS" HAVE DOUBLED SINCE LAST YEAR, AROUND $4000 A MONTH MORE...LASSUMING THIS IS THE DEBTOR SHOULDN'T PAYMENTS GO UP?

--STILL N AMENDED SCHEDULE I & J

-MP surrenders mortgages

$6980 PTD; $922 X 46 BEG 3/2024; MIN $14,000
Matter ResolvedRequest
Adjourment
864/3/2024 10:00 am23-12999 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 12 of 12 required payments   Arrears: $0  
Total Paid In: $15,120.00


ATTY to appear and request adj

CASE IS IN MO 12

As of 3/26/24(mk):

1.STILL ESTIMATE TAX CLAIM FROM ST OF NJ- CLAIM FILED 1/12/24 for S & U taxes

2. Objection BY Truman 2021 Trust (Romano): NOT RESOLVED
-debtor seeks to modify Rts of creditor. fails to cure arrears

MP(#47) proposes PTD Then 1260 x 28 begin 1/1/24 Sale of property by 6/30/24 Base

>> listing agreement and retention Application has been filed 625,000.


--------------------------------------------------------------------------------
As of 2/12/24(mk):

STILL ESTIMATE TAX CLAIM FROM ST OF NJ. NEED UPDATE ON LISTING AGMT AND IF EX SPOUSE WILL COOPERATE IN THE SALE OF REAL PROERTY BEFORE THIS CAN BE WORKED


1/16/24(mk) email from atty - wants to confirm sale plan but having difficulty getting ex spouse to sign listing agmt

1/12/24(mk): Updated

THIS IS WORK UP ON MP #47 NOTE: MP #44 was withdrawn then file MP at #47 on 12/11 and That is the plan I will work up as CT did not give #47 a new date as it was in time for 1/17

Modified PLan was shortened to total 36 mos from 60 . and we have a min to gucs balance is $53,411.44 PLUS conf terms provided for non exempt proceeds from sale to TR SO will be a Low base pending sale.

>>NO PROOF OF EFFORTS TO SELL NO REALTOR APPT. NO LISTING AGMT PROVIDED


1. TR Objection:
-Part 9 of MP was blank
-MP has ST Of NJ for 8,699- POC filed 1/11/24 17,947 and considered timely per Order. 12/5/23.

- Plan has Chase Mtg as second mtg in part 4a. There is no claim filed by Claim- STRIKE IT? no mtg statement was provided either so we have no proof of that lien.

> IRS Priority claim is 42,168.63 of which the TR has paid 1,55.44 leaving a balance of 41,013.09 ( Plan has 20,635)


MP proposes:$10,080 PTD; $1260 X 28 BEG 1/2024; SALE OF 279 EDLYS LN BY 6/30/24); BASE PLAN HAS RUN 10 MOS AND 50 REMAIN - BUT MP shortens length to 36 mos.

PART 9 IS BLANK but it appears that MP extends the sale date from Oct 2023 to June 2024 ( MFR Order dated 10/1/23 had a
Matter ResolvedRequest
Adjourment
874/3/2024 10:00 am23-13119 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 12 of 12 required payments   Arrears: $0  

debtor to provide support 10 days prior
ISSUES AS OF 3/27/2024 (DM):

***Still need to address Trustee objections***

 Motion to Approve Loan Mod filed with 4/1/24 objection deadline. Note that the $50,000 down payment for Loan Mod is coming from a hardship withdrawal from retirement account.

1) West Coast Servicing (Hladik, Onorato) OBJs - loan matured on 8/1/2021 and creditor has filed a total debt claim in the amount of $117,897.44. Plan proposes a loan modification on this mortgage (UNRESOLVED). MK; have reached terms for modification - will have a CO shortly waiting for final figure.

2) Trustee OBJ:
- There is $7,913 of non-exempt equity in the residence.

- Need statements for the debtor & non-filing spouse's 401k loans and 457 loan (RECEIVED LOAN STATEMENT FOR DEBTOR - $528 MONTHLY ON LOAN #014 ENDS JUNE 2026 AND $439 MONTHLY LOAN #013 ENDS FEB 2024 - NEED SPOUSE'S LOANS).

- Income verifies higher ($1,424) than scheduled ($350) resulting in $1,044 monthly disposable income based upon bank statements showing DSO is paid weekly.

- Excessive Expenses: $500 utilities, $700 cable/internet/phone, $500 medical and dental, $500 car insurance (verifies at $426 and will be reduced once surrendered 2021 Chevy is removed), $703 car payment. Need proof of excessive expenses 10 days prior to confirmation (UNRESOLVED).

***RESOLVE ISSUES***

A) ACAR Leasing obtained stay relief on 2021 Chevy Traverse (LEASE WAS NOT ASSUMED IN PART 6 OF THE PLAN AND THUS REJECTED).

B) Athene Annuity & Life Assurance Company (RAS) OBJs - failure to cure arrears of $2,262.68 per POC (CONSENT ORDER SUBMITTED).

C) Trustee OBJ:
- Need homeowner's insurance renewal declaration (RECEIVED).
- Need proof of insurance for the 2019 GMC - policy expires 7/20/23 (RECEIVED).
- Must file a Fee App within 7 days of confirming (LANGUAGE ADDED).
- Need a statement for the second mortgage (WEST COAST SERVICING FILED A POC).


Prop. Plan $300 x 60, Base Plan
- student loans outside
PTD 12/12 = $3,600
L
Matter ResolvedRequest
Adjourment
884/3/2024 10:00 am23-14446 / CMGAniello D. Cerreto, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $2,150.00
3/26 workup for the 4/3 calendar EDC

CAN CONFIRM AT:
**1600 paid then $550 x 57 BEGINNING 4/1/24 100% -- STUDENT LOANS TO BE PAID OUTSIDE THE PLAN BY THE DEBTOR
- Add Trustee Standard Order of Distribution to conf order.sf



As of 3/1/24 (DS): Debtor atty requested adjournment, spouse is in hospital. Adjourned peremptory, no further adjournments, must resolve all issues by next conf hearing.

As of 2/29/24 (DS): 1. Must file Chapter 13 attorney disclosure form and Pre-confirmation certificate, plus be current with Trustee payment in order to recommend terms.

As of 2/6/24 (DS): Debtor atty requested adjournment to allow time to resolve obj

2/7/24 (DS): 1. Trustee obj to the following:
- Debtor has medical insurance deducted from pay, why is there a deduction on Sched J as well in the amount of $600?
- Income on Schedule I verified higher than amount scheduled, disposable income is $2,056.45.
- 122c Line 45 has disposable income $6,354.34 which requires min. div. $381,260 to gucs. Will need 100%.
- Must file Pre-confirmation certificate.



Prop Plan $550 x 60 begin 6/1/23; Base
Note: Auto insurance provided 2/6/24.
----------------
resolved
- Must file Pre-confirmation certificate.
(3/6 amt: needs corrected disclosure to check 'will pay in plan')<<>>done
2. Must file Chapter 13 attorney disclosure.
Matter ResolvedRequest
Adjourment
04/3/2024 10:00 am23-16038 / RG Jonathan Stone, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $15,879.00
4/2/24 (sf) Per DM the Trustee takes no position.

Debtor obj, requests recap<>TOYOTA MOTOR/2016 sIENNA (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
894/3/2024 10:00 am23-16235 / CMGVera Fedoroff, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 8 of 9 required payments   Arrears: $420.00  Total Paid In: $6,820.00
AS OF 3/20/24 (SF) MP TO BE FILED TO SELL HOUSE

RECOMMEND $5,766 PTD, $938 X 52 (BEGIN 4/1/24) 100% PLAN W/MIN $136,953 to GUCS PER NONEXEMPT EQUITY IN REAL ESTATE; LOAN MOD BY 4/15/24
- DO NOT PAY ARREARS TO TRUMAN 2021 SC9 TITLE TRUST

Note: Payment increased because more gucs filed claims after case was confirmed but before bar date expired.


Trustee motion to dismiss scheduled for 4/3 at 9


MP proposes $842 x 46 100% Plan; Loan Mod by 4/15/24
Plan has run 8 months with 52 months remaining
Matter ResolvedRequest
Adjourment
904/3/2024 10:00 am23-16248 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 3 of 9 required payments   Arrears: $4,670.00  Total Paid In: $8,953.00
ISSUES AS OF 3/27/2024 (DM):

1) NJR Clean Energy (Andrew Kelly) OBJs - there are $2,972 pre-petition lease arrears for solar equipment that is not treated in the MP (UNRESOLVED.)
otbs assumption of lease with no plan paymt

2) Trustee OBJ:
- MP amends treatment to Quantum3 from secured unaffected (confirmed terms) to a cram of $2,500 secured for doors and windows - this amended treatment needs to be served on the creditor (UNRESOLVED.)
service made now cram with guc balance

- MP proposes a cram of Citibank/The Home Depot in Part 7b, but required data is not populated in Part 4d (STRIKE??)


Confirmed Case: $4,868 Ptd, $500 x 2, $2,585 x 54, $73,368 Min Div.
Prop. MP: $1,934 x 2, $500 x 5, $2,082 x 53, $73,368 Min Div.
PTD = $6,368, Arrears $2,085 as MP filed.
Last Claim (44-1) dated 10/24/23.
Matter ResolvedRequest
Adjourment
914/3/2024 10:00 am23-16729 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 8 required payments   Arrears: $350.00  Total Paid In: $6,800.00
4/3/24 - Atty accepts terms. Ok to confirm


Tax returns have been submitted to tax people and Tr need adj for APOC- atty says will look at claim and may be 100%

3/25 workup for the 4/3 calendar EDC

Trustee will compromise and agree to confirm as follow regarding disposable income:
***$5950 paid then $1200 x 53 beg 4/1/24 pro rata--Yamaha claim 26-1 will be surrendered



1) Trustee objection to confirmation
- Proof of 2 month's income Mk; RECEIVED, INCOME A LITTLE LOWER BUT STILL $1600 A MONTH DISPOSABLE
- need June and July 2023 statements for both Santander accounts.
- $402/car insurance - statement shows $194.41/month. expenses will be reduced accordingly.
- Verified income minus expenses results in disposable income of $1794 per month. plan payment is only $850.

*2013 Yamaha Wave Runner and 2018 Karavan trailer are not treated in plan or listed on schedules - claim filed with no arrears. MUST SURRENDER IF NOT 100%..MK will surrender


proposed plan $850x60 base plan
paid in $2,550
last claim 30
---------------
resolved:
* IRS priority claim estimated for 2020 taxes; guc claim estimated for 2018 taxes
*NJ priority tax claim estimated for 2022 and 2016-2017 guc

2/7/24: debtor has acct to file tax returns- adj to 3/6 PEREMPTORY-NOTHING DONESAME AS LAST TIME-amended

Matter ResolvedRequest
Adjourment
924/3/2024 10:00 am23-16784 / CMGThomas G. Egner, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 7 of 8 required payments   Arrears: $250.00  
AR RESOLVE OR HOD
3/30 workup for the 4/3 calendar EDC
-same as last time

CONFIRM AT $1500 PAID THEN 350 X 53 BEG 4/1/24 100% - TRUSTEE WILL ONLY PAY CLAIMS ON MUNICIPAL COURT FINES FOR MUNICIPALITIES THAT FILE A VALID TIMELY PROOF OF CLAIM--

- - -Proof of income verifies much higher, there is disposable income $2,455, also Schedule I failed to add tax refund $3,886 when determining disposable income. CASE NEEDS TO BE 100% DUE TO DISPOSABLE INCOME. TOTAL GUCS FILED INCLUDING LANDLORD $33,432.13.---RESOLVED EDC

MP $250 x 60 pro rata - surrender residential lease


*OBJ TO PLAN BY ATTORNEY GENERAL FOR MVC NEEDS TO BE RESOLVED--OTBS PER EMAIL

--------------
RESOLVED
- - -Proof of income verifies much higher, there is disposable income $2,455, also Schedule I failed to add tax refund $3,886 when determining disposable income. CASE NEEDS TO BE 100% DUE TO DISPOSABLE INCOME. TOTAL GUCS FILED INCLUDING LANDLORD $33,432.13.---RESOLVED EDC
*Pennsauken Municipal Court filed a $1,001 claim--is trustee paying? YES AS SEPARATELY CLASSIFIED CLAIM PER MP

3. Pemberton Twp Municial Court filed priority claim $240, Plan has as unsecured and to be paid pro rate. Claim needs to be paid or move against the claim. PAY PER MP


- - -Must resolve NJ Motor Vehicle bifurcated claim, secured $9,867.32 and unsecured $2,175.99, not in plan. RESOLVED

Prop Plan $250 x 60 begin 9/1/23; Base
Matter ResolvedRequest
Adjourment
934/3/2024 10:00 am23-17137 / CMGFrancis P. Cullari, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

As of 3/26/24 (DS): Debtor atty req adj to pass bar date

As of 3/25/24 (DS): Recommend waiting pass bar date 4/23/24 or confirming at $961 x 2 begin 3/1/24; $970 x 58 begin 5/1/24; Base with a min. dividend $47,580 to gucs and a preserve $9,277 non-exempt equity and Trustee standard order of distribution.

1. Trustee obj to the following:
- Per 22C disposable income is $793 which requires min. dividend of $47,580 to gucs. RECOMMEND WAITING PASS BAR DATE 4/23/24, TOTAL GUCS FILED $24,723.53.
- There is $9,277 non-exempt equity in the residence.
- Need Trustee standard order of distribution.

Prop Plan $961 x 60 begin 3/1/24; Base
Matter ResolvedRequest
Adjourment
944/3/2024 10:00 am23-17521 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 8 required payments   Arrears: $244.00  Total Paid In: $1,700.00
4/10/24 (sf) UPDATED

RECOMMEND $1,700 PTD, $344 X 47 (BEGIN 4/1/24) BASE PLAN
- STUDENT LOANS TO BE PAID OUTSIDE PLAN


AR RESOLVE OR HOLD
AS of 3/20/27(mk): Nj still estimated and Debtor Not current 5/7 payments ARREARS $500 (NJ CLAIM AMENDED)


3/6/24:30 days to APOC the est. NJ tax claim and be current
APOC FILED 4-2

AS of 3/5/24(mk): 4/7 payments

1. St Of NJ has fixed secured claim 13,141.21
-----------RESOLVED--------------


IRS ( no retrun for 2021)and St Of NJ( No retrun for 2021) Priority Estimated claim needs to be resolved. APOC FILED


2. TR Objection:
-Updated auto insurance, insurance expires 11/15/23. Provided 1/16/24
- Need bank statements for TD Bank acct for 7/1/23-8/29/23
and DoorDash Direct bank acct
statements from 5/1/23-8/31/23.
-tax refund in the amount of $970- added into income calculations


Plan:$300 x 36 begin 9/1/23; Base. Student loans outside
4/7 payments
Matter ResolvedRequest
Adjourment
954/3/2024 10:00 am23-17987 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $787.00  Total Paid In: $4,500.00
AS OF 3/27/24 (SF)

1. Stay is vacated as to Wells Fargo, 1st mortgage

2. Motion for Relief by Wells Fargo (Fissel) (2nd mortgage) - scheduled for 4/3/24 at 9

3. IRS filed secured claim 1-1 in the amount of $44,094.73 which is not addressed in plan (OK TO PAY?)


4. Trustee objection:

- There is non-exempt equity in real property $104,180, 2018 Audi $5,597.50, 2016 BMW 1/2 interest $15,318.50, 2007 Audi S4 $2,283 and Wells Fargo acct 1/2 interest $2,000.

- Add to confirming order non-exempt proceeds from sale of real property to Trustee.



Plan proposes $750 X 36 100% Plan; Sale by 8/31/24
Payments: 5.5/6 Arrears: $350


RESOLVED ISSUES:
- Objection filed by Wells Fargo (Fissel) - failure to pay arrears of $44,067.14 (RESOLVED) PAY ARREARS
- Objection filed by Wells Fargo (Powers Kirn) - failure to pay arrears; speculative sale and failure to provide for adequate protection payments (RESOLVED VIA CONSENT ORDER. Debtor to pay arrears through plan)
- IRS filed estimated priority claim 1-1 (MENDED)

- State of NJ filed estimated priority claim 8-1 (AMENDED)
- Motion for Relief by Wells Fargo (1st mortgage) 1/17 at 9 (GRANTED)
- Must file Pre-confirmation certificate. (FILED)
Matter ResolvedRequest
Adjourment
964/3/2024 10:00 am23-18268 / CMGMaryBeth Schroeder, Esq.Confirmation Hearing on Modified PlanDismissed - Hold FeesDebtor has made 7 of 7 required payments   Arrears: $0  

mk: for dismissal order- flat fee was Pd in full

ISSUES AS OF 3/27/2024 (DM):

***Debtor is 2 payments behind and there is no proof that debtor has personal liability coverage for either Hummel Dr property or Federal Ct property - RECOMMEND DISMISSAL. Alternatively, the debtor makes a payment before confirmation and case is confirmed at 100% with Trustee Standard Order of Distribution***

 2/12/24 (DS): Debtor Atty requested adjournment due to traveling. Adjourned peremptory, no further adjournments, must resolve at next Hearing.

1) Need CMA, Deed and homeowner's insurance for Federal Ct property. There is $54,649 non-exempt equity in this property.

2) Trustee OBJ:
- Excessive Expense: medical/dental $650.
- There is $88,010 non-exempt equity in Hummel Dr property and $1,920 in 2010 Camper. Additionally, there is $54,649 non-exempt equity in the Federal Ct property (BAR DATE HAS EXPIRED AND $5,256.12 TOTAL GUCs HAVE BEEN FILED.)
- Need Trustee Standard Order of Distribution.

***RESOLVED ISSUES***

A) Shellpoint (PARKER MCCAY) OBJs - arrears more than what plan is proposing. POC filed arrears $36,158.71 (CO ENTERED 1/22/24 TO PAY ARREARS.)

B) Carrington Mtg (STERN, LAVINTHAL) OBJs - to property Federal Ct, Galloway, NJ property not listed on Sch A, D or Plan. Arrears owed $783.96 per filed POC (AMENDED SCH A FILED ADDS PROPERTY AND MP PAYS ARREARS.)


Prop. Plan $642 x 60, Base.
PTD 4/6 = $2,578
Last Claim (4-2)
Matter ResolvedRequest
Adjourment
974/3/2024 10:00 am23-18348 / CMGJoseph Albanese, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 6 of 7 required payments   Arrears: $100.00  
MP FILED

3/28/24 mk: atty uploaded adj request which came to my inbox - says need MP - EMAILED HIM and cc SF on email AND SAID THIS PLAN WILL BE MARKED DENIED AND MP IN 21 DAYS. made reminder to ck for MP in 21 days

AS OF 3/27/24 (SF)

Atty was to provide copy of 2023 tax return and amend budget (Nothing Received)

1, DISPOSABLE INCOME NOW VERIFIES AT $672.84. RECOMMEND PAYMENT OF $538 FOR REMAINING 31 MONTHS.

2. Freedom Mortgage Corp filed arrears claim 10-1 in the amount of $235.38 (OK TO PAY?)

3. Ally Bank Lease filed arrears claim 9-1 in the amount of $1571 which is not addressed in plan (OK TO PAY?) The Schedules state that this car was surrendered but the plan does not mention surrender and the claim is not a deficiency claim (MUST RESOLVE)

4. Service Finance Company filed arrears UCC claim 14-1 in the amount $2305.65 which is not addressed in the plan (OK TO PAY?)

5. Trustee objection:

- The Schedules fail to account for the debtor(s) tax refund in the amount of $11,377 when
determining disposable income.

- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution.

- Need to file Pre-Confirmation Certification.


Plan proposes $100 x 36 Base
Payments: 3/4 Arrears: $100



RESOLVED ISSUES:

- Motion for Relief filed by Americredit/GM scheduled for 12/20 at 9 (GRANTED) - Chevy Traverse
- The current Plan does not specify treatment of Americredit Financial secured claim under the Plan. (STAY VACATED)
- Need updated proof of income (Sept & Oct) for 3rd part-time job at Professional Therapy Associates (PTA). (RECEIVED)

The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Need proof of excessive expenses 10 days prior to confirmation.
- $627 & $556/month car payments (two vehicles belong to non-filing spouse)
- $1,000/month for child care; (RECEIVED)
- $374/month for a motorcycle (luxury item) (NON FILING SPOUSE);
- Need Proof of 2 month's income - fo
Matter ResolvedRequest
Adjourment
984/3/2024 10:00 am23-18533 / CMGJoseph Casello, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0  

3/28: proof of payment pending and 2 more for next week be current by 4/17/ hearing

As of 3/25/24 (DS): 1. DEBTORS HAVE NOT MADE ANY TRUSTEE PAYMENTS SINCE 12/26/23 AND ARE IN ARREARS $4,000, MADE 2 OUT OF 6 PAYMENTS, SOON TO BE 7 PYMTS.

2. TRUSTEE OBJ STILL NOT RESOLVED:
- Need 2022 tax returns, 2 months bank statements from Kearney Bank and Blue Foundry Bank prior to filing date, Timeshare info and HUD statement for 2020 house sale in Little Silver.
- After recalculating Debtors income there is disposable income $3,778.
- Excessive expenses on Sched J: Rent $5,750, Electricity/heat/gas $600, Medical $500, Car insurance $700 (pays for their adult children). MUST PROVIDE PROOF OF EXPENSES 10 DAYS BEFORE CONF.
- There is non-exempt equity in 2019 Kia $2,415.38 and in Timeshare there is $17,472.41 and estimated in bank accts pending statements..
- SOFA has lawsuit for fraudulent transfer is pending. Debtors and Holmdel Financial Services are named as defendants. Several unsecured claims filed causing the case to be over 109(e) limit, 3 seem to be duplicates each $198,000 and one for $2,699,488.38.
- Must resolve creditor objections.
- Must file Pre-confirmation certificate.

3. United Teletech (MCKENNA DUPONT) obj to arreara owed, POC with arrears $1,217.

4. Ally Capital arrears claim $364.05, Plan has outside, needs to be paid.


As of 1/11/24 (DS): Debtor atty requested extended adjournment due to out of office, per AR ok to adjourn.

As of 1/11/24 (DS): Debtor atty requested adjournment to resolve duplicate claim issues, per Trustee ok to adjourn to 60 days.

As of 12/14/23 (DS): Debtor atty requested adjournment to resolve all issues.

12/20/23 (DS): 1. Debtors are in arrears $2,000, made 1 out of 3 payments. Trustee obj to income insufficient. DEBTOR NEEDS TO SIGN UP FOR TFS AUTOPAY OR EWAGE. NO PAYMENTS MADE SINCE 12/26/23.

2. Trustee obj to the following:
- CASE NO LONGER 109(E) ISSUE, DEBT LIMIT $2.75 MILLION: TOTAL UNSECURED CLAIMS FILED $1,605,269.54,
Matter ResolvedRequest
Adjourment
994/3/2024 10:00 am23-18832 / CMGMichael Pocchio, Jr., Esq.Confirmation Hearing ScheduledContinued
6/5/2024 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

32/24 needs adjournment

341 now scheduled for 4/18/24

issues as of 12/28/2023 (JMA)

1) 341 hearing not held, not rescheduled - 341 DOCUMENTS HAVE BEEN PROVIDED
2) Not current with Trustee plan payments, arrears $4,616 (1 MONTH )
3) Plan proposes sale of house , this cannot be a zero percent plan as Trustee to receive non-exempt proceeds from sale
4) (1/3/24MK): 1 deed on 59 Beechwood showing 2011 transfer to spouse)and 2022 tax return uploaded so far that is it for 341 docs- Bud has emailed atty and let him know for missing docs 1/3 payments

proposed plan $4,616x60 with sale by 9/1/2024 0% plan
paid in $13,848
arrears $4616
last claim 2
Matter ResolvedRequest
Adjourment
1004/3/2024 10:00 am23-19388 / CMGRobert B Davis Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $945.00  
AS OF 4/1/2024 (DM):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT THE 341 CAN BE CONDUCTED.

1. 341 docs are recently received, and Hearing needs to be rescheduled.
2. Payments: 5/5
Matter ResolvedRequest
Adjourment
1014/3/2024 10:00 am23-19439 / CMGPRO SEConfirmation Hearing on Modified PlanContinued
4/17/2024 10:00 am
Debtor has made 3 of 6 required payments   Arrears: $1,325.00  Total Paid In: $1,151.00
Debtor has motion to file late POC for Cap one auto 10,643.62- did not serve it by Certified mail--STILL NOT PROOF OF SERVICE AS OF 3/26

3/26 Workup for the 4/3 calendar EDC

1) Creditor has not filed claim for 2019 Mercedes-Benz (served with modified plan on 1/5/2024) NEEDS CERTIFIED MAIL BECAUSE CAP ONE IS FDIC

proposed modified plan $354.74x2, $441X34 base plan
paid in $1150.83
arrears $882.70
last claim 11

----------------------
RESOLVED ISSUES:
1) Trustee objection to confirmation - need to resolve
-The debtor has insufficient income- verified income leaves monthly disposable income of $-339.56 AMENDED SCHEDULE INCREASES DISPOSABLE INCOME TO $441.35, BY REMOVING EXCESSIVE CAR PAYMENT $635
-Need to file Pre-Confirmation Certification with Court - FILED

-Need to file Modified plan that completes Part 8. MP FILED SCHEDULED FOR 2/7/2024
-Need to file Modified plan that adds all cramdowns to Sections 4 and 7 of the plan RESOLVED, MP FILED
-Need amendment to schedules A/B and C to list property and Schedule J to remove car payment RESOLVED, FILED
-The debtor has failed to provide proof of service for Capital One Auto Finaice for cram of 2019 Mercedes RESOLVED, FILED
-The debtors plan consists of unnecessary or excessive expense items, such as $635/car payment, being paid through plan AMENDED SCHEDULE J TO REMOVE EXPENSE
-Need to provide Trustee with copies of the September and October bank statements for acct#7450 RESOLVED, PROVIDED

Matter ResolvedRequest
Adjourment
1024/3/2024 10:00 am23-19523 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 3 of 6 required payments   Arrears: $4,272.00  
will file amendments for 3/26
per atty filed

3/26 workup for the 4/3 calendnar EDC

STILL IN ARREARS 2 PAYMENTS $2829

--Plan is looking to cramdown a 910 claim?
interest cram

1. Objection filed by US Bank (Romano Garubo) - failure to cure full arrears of $34,977.76 (Per POC). Plan proposes to pay $23,708.37. (UNRESOLVED)- MK: per atty PAY POC

2. TRUSTEE OBJECTIONS:

- Disposable net income on Schedules I/J is higher at $2,190.53.--MAY BE OK SINCE CLAIMS ARE HIGHER

- Co Debtor has pension from grandma listed on Line #21 Schedule A/ B. Referred to as a legacy pension. Amount not disclosed and not on Schedule I as income. need explanation
(NOT RECEIVED)

Plan proposes: $1,443 x 60 beginning 11/1/2023, $0 to unsecured creditors
Payments: 2/5, arrears $4,329
----------------
resolved:
- The debtor has undertaken an improper use of exemption. The full d (1) exemption was taken. The co-debtor is not in title to the property and therefore, not able to claim d(1) exemption. As the full homestead exemption was taken only the $1,475 wildcard exemption is available. The debtors may not take the $13,950 exemption. RESOLVED:mk:ATTY agrees w/ TR position on the exemptions - claims came i n higher so not equity
Matter ResolvedRequest
Adjourment
1034/3/2024 10:00 am23-19586 / CMGEugene Roth, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1313 of 6 required payments   Arrears: $0  
Total Paid In: $370,235.00
4/8/24(MK):add to terms STRIKE PER PLAN CLAIMS OF MTAG/FIG CAPFOR $1,804.83 ON OAKWOOD RD PROPERTY AND PC6,LLC FOR $23,541.26 ON McKAY PROPERTY AS NO CLAIMS WERE FILED.

3/27/24(mk);

SALE CLOSED AND TR HAS FUNDS

**CAN CONFIRM AT $370,234.92 PTD. No Further payments Due. 100% Preserve equity T/H of 1,148,377 in real and personal property. Must file pre conf cert in 7 days**



SALE closed so we should have funds

3/12/24(mk); email to atty - going to adj. to 4/3/24- to after closing.

3/12/24(mk) DID SALE CLOSE? Per atty looking to close before end of this week - will sent Hud when done

>>AMENDED ORDER FOR SALE ENTERED 3/8/24- SAYS SALE AUTHORIZATION WILL EXPIRE 30 DAYS FORM DATE OF ORDER>>

AS of 2/14/24(mk):email to atty- sale was delayed - underground tank expect to close before deadline will prob request adj of conf to after closing expected by 3/2

1. Tr Objection:
must file pre conf cert


Plan:$282 X 36; SALE 6MO (2101 RIVER RD); 100%
4/5 payments


-----------Resolved------------------
proof of service plan motions filed
NE equity in real property $848,377 (WILL PROTECT T/H IN TEMS- PLAN IS 100%
$300,000 in non exempt equity in Elite Investors Inc

> Objection by Pine Valley(Honig): SAYS HAS CO TO RESOLVE THIS - HAS THAT ORDER BEEN SUBMITTED?
- tax sale lien on Brick prop MK 2/20/23- ORDER SUBMITTED- SAYS OBJ RESOLVED AND DEBTOR WILL PAY POC 12,795.41 IN FULL THRU PLAN







Matter ResolvedRequest
Adjourment
1044/3/2024 10:00 am23-19760 / CMGJoseph Casello, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $767.00  
3/26 workup for the 4/3 calendar EDC
-SAME ISSUES AS LAST TIME

** Trustee obj to the following:
- Need pay stubs for non-filing spouse for the month of November, after 11/3/23 pay period.
- Must amend Sched G to list 2 addition auto leases (2021 Honda Civic and 2022 Honda Civic).
- Excessive expenses on Sched J: Vivant Solar $132.34 (not in plan or schedules), Life insurance $265.49, Health insurance $650.07, car insurance $793.42, car payment $655.52 and Crystal water $34.96 (not in plan or schedules).
- Income would verify higher due to excessive expenses and tax refund $2,365, not on Schedule.
- There is non-exempt equity in real property $137,986 (Spouse is not on Deed).
- Must file Pre-confirmation certificate.

3. NewRez (ALEISHA JENNINGS) obj to arrears owed, POC filed arrears $3,360.12. Must resolve obj.

4. Claim American Honda 2021 Honda Civic lease to be rejected.

Prop Plan $1,050 x 60 begin 12/2023; Dollar Base $54,000
Matter ResolvedRequest
Adjourment
1054/3/2024 10:00 am23-19852 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $602.00  
adj request denied --2 payments arrears and still need POA from last time

3/24 workup for the 4/3 calendar EDC
same as last time

341 not held--debtor did not appear to be competent to understand proceeding
Matter ResolvedRequest
Adjourment
1064/3/2024 10:00 am23-20401 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

ISSUES AS OF 3/28/2024 (DM): updated 4/2/24.

***Once Trustee objection below has been addressed, debtor will need $2,175 x 56 going forward***

1) Trustee obj:
- There is $17,397 non-exempt equity in the residence.
PER ATTY OK
- There is $9,575 non-exempt equity in the bank account.
- Need proof of income for non-filing spouse form new Job (UNRESOLVED.)
CERT FILED TO BE REVIEWED
- Need amended Sch I for spouse's new job (UNRESOLVED.)
PER ATTY SEE CERET
- Need to file Pre-Confirmation Certification (UNRESOLVED.)
FILED

***RESOLVED ISSUES***

A) State of NJ filed $3,365.11 priority claim that includes estimated taxes for 2020 - 2021 not treated in the plan (AMENDED TO $692.82. OKAY TO PAY??)

B) State of NJ filed a general unsecured claim that includes estimated taxes for 2017 - 2019 (AMENDED.)

C) Flagstar Bank (McCalla Raymer) OBJs - $82,695.85 arrears on York St property (OTBS - PAY ARREARS CLAIM.)

D) Trustee OBJ:
- Need Oct & Nov bank statements for Bank of America acct #8709 (RECEIVED.)


Prop. Plan $1,200 x 60, Base Plan
PTD 4/5 = $4,800
Last Claim (9-1)
Matter ResolvedRequest
Adjourment
1074/3/2024 10:00 am23-20409 / CMGBrian S. Thomas, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $2,700.00  
AS OF 3/28/2024 (at):

1. Pay Tomorrow, LLC filed a bifurcated claim #8 for a Jet Moto Raptor with a secured claim of $1,687.62 and unsecured claim of $1,809.52. Needs resolution.

2. Santander Consumer filed a secured arrears claim #3 in the amount of $3,500.75 which is not in the plan. Is the debtor going to pay this claim?

3. Ally Bank filed a secured claim #22 in the amount of $13,971.71 for a 2014 Chevy Silverado. Is the debtor going to pay this claim?

4. Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- using the P&L through to November 1, income verifies much higher than the earlier P & L.
- Income for spouse verifies at $5,949 per month.
- Excess expense on Schedule J $948/car payment exceeds allowance.
- Using the value on the Zillow report dated 3/20/2024 there would be non -exempt equity in the amount of $3,252 in real estate.

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document (s):
- need to provide auto insurance renewal as policy provided expired 3/2/2024 (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity as follows:
Collectibles $145,226; Drew Harp Lawn Sprinklers and equipment $10,725; 2014 Chevy Silverado $1,029; 2008 Chevy 1500 $2,992; 2023 Honda CRV $2,325 = Total Non -Exempt
Equity $162,297 (LANGUAGE ADDED) - cannot be a base plan but must pay all non -exempt equity to general unsecured creditors.

Plan proposes: $2,700 x 60 beginning 12/1/2023, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
1084/3/2024 10:00 am23-20416 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 5 of 5 required payments   Arrears: $0  

MP BY 5-1
ISSUES AS OF 3/28/2024 (DM):

***How is debtor going to afford the increase in payments in month 7***

1) Franklin Credit/Wilmington Savings - 2nd mtg (HILL WALLACK) OBJs - $175,903.62 arrears (UNRESOLVED.)

2) Toyota Lease filed $451.50 arrears claim on 2022 Toyota Camry (OKAY TO PAY??)


***RESOLVED ISSUES***


 MFR filed by Citibank scheduled 3/20/24. Debtor $13,568.19 in post-petition arrears (OTBS - $18,090.92 ADDED TO THE PLAN PLUS $549 FEES/COSTS.)

A) Citibank/US Bank - 1st mtg (KML) OBJs - Loan Mod is speculative - $210,697.57 arrears (CO ENTERED, LOAN MOD BY 5/7/24, TRUSTEE NOT PAYING PENDING LOAN MOD.)

 MFR filed by Toyota scheduled 3/20/24. Debtor $1,290 in post-petition arrears (OTBS - 6 MONTH CURE.)

Note: Expense for tele/cell/internet/cable $425 is okay, and disposable income is not an issue as plan pays more.


Prop. Plan $500 x 6, $3,500 x 54, Base Plan.
- Loan Mod on Lori St by 5/1/24.
PTD 4/4 = $2,000
Last Claim (14-2)
Matter ResolvedRequest
Adjourment
1094/3/2024 10:00 am23-20474 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 3/27/24 (SF)

1. Objection filed by US Bank (Egerman) - failure to pay arrears of $745,580.44 and speculative sale (MUST RESOLVE)

2. Consumer Portfolio filed arrears claim 1-1 in the amount of $513.12 which is listed as unaffected under the plan. (OK TO PAY?)

3. Santander Consumer USA filed arrears claim 3-1 in the amount of $633.16 which is listed as unaffected under the plan (OK TO PAY?)

4. Trustee objection:

- Need to file Pre-Confirmation Certification.


Plan proposes $200 x 60 Base; Sale by 5/1/24
Payments: 4/4



RESOLVED ISSUES:

- Need a copy of the last filed tax return - 2022 for non filing spouse prior to confirmation. (AFFIDAVIT PROVIDED THAT SPOUSE DID NOT FILE RETURN IN 2022 DUE TO INSUFFICIENT INCOME)
- Need October and November bank statements for PNC account 0214. (RECEIVED)
- State of NJ filed estimated priority claim 7-1 (AMENDED)



Matter ResolvedRequest
Adjourment
1104/3/2024 10:00 am23-20647 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AR NOTE ATTYS TO WORK OUT LANGUAGE RE OBJ , REVIEW CERT AND WORK OUT DISP INC ISSUES
4/2/24: debtor response filed to Objection in #1

AS OF 3/27/24 (SF)

1. Objection filed by Sabrina Porcaro- estranged wife (Casello) - failure to pay domestic support arrears of $58,792.67 and failure to disclose assets listed in objection (MUST RESOLVE)

2. Trustee objection:

- Need Domestic Support Obligation information (Term Sheet provided, debtor to pay $2935 for daughter's tuition and $12,719 for children's activities and expenses) Average $1300 per month

- Need a copy of the homeowner's insurance renewal declaration - for Burlington commercial property. (that includes liability coverage and policy period )

- Need bank statements for Sept. and October which is 2 mos. before filing (RECEIVED) Between 8/11/23 and 9/8/23 debtor deposited $67,460 and withdrew $67,240.26. Between 9/9/23 and 10/10/23 debtor deposited $94,925 and withdrew $95,259.65 (PLAN WILL BE 100%)


- Verified income leaves monthly disposable income of $2,399.39.

- There is $100,000 in non exempt in Motor Hub LLC. (100% plan )

- There is $354,457 in non exempt equity in the Burlington commercial property.

The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution



Plan proposes $750 x 12; $1000 x 12; $1500 x 32 100%
Payments: 4/4


RESOLVED ISSUES:
-. Motion for Relief by Sabrina Porcaro 3/6 at 9 (OTBS) Stay vacated to permit continuation of matrimonial proceedings in Superior Court.

Need to file Pre-Confirmation Certification (FILED)

Matter ResolvedRequest
Adjourment
1114/3/2024 10:00 am23-20650 / CMGRichard F. Fried, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 8 of 5 required payments   Arrears: $7,160.00  
3/27/24(mk):

motion to participate in Loss Mit filed and on 4/17

Plan had LM by 3/29/24

As of 3/17/24(mk): Debtor made the 1st lump sum payment of 15,000 in Dec. But no payments for Jan feb and march in the amt of $950 each have been made as of this date. Arrears 2,850

WHAT IS STATUS OF LM? as last hearing was still working on it not done it yet


1. Trustee objection:
- Need consent order with mortgage holder to allow Trustee to pay monthly adequate protection payments of $1,260 to First Federal Bank. OR I CAN STRIKE IT AND DEBTOR PAYS THAT DIRECTLY TO LENDER
-need Amendments to Schedules B and C to list values of
cars, add 2016 Ford Explorer
-There is non-exempt equity in real property $253,171.89, 2016 Dodge Ram $9,917.40,
Fishing Equipment $20,000, Cash $18,000, Manasquan
Bank $1,533.52 and Plumbers & Pipefitters FCU $900.
- needs Trustee standard order of distribution.
- The Huntington National Bank filed arrears claim
$231.43.
- The Huntington National Bank filed arrears claim $230.49
for 2020 Forest River Salem
-RV, not on Schedules or plan, but listed on auto insurance.
- Must file Pre-confirmation certificate.

Plan: $15,000 x 1 begin 12/1/23; $950 x 3; $1,790 x 56; 100% and Loan mod on James Pl by 3/29/24
PTD 15,000

---RESOLVED------------------

Objection by Toyota(Stewart Legal): ORDER ENTERED 3/15; CLAIM #10-1 DEEMED UNAFFECTED- TR NOT TO PAY
for 2016 Ford Explorer
- plan does not provided treatment( arrears $521.06-OK TO PAY? mk: says paid so needs to resolve claim
Matter ResolvedRequest
Adjourment
1124/3/2024 10:00 am23-20709 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $500.00  Total Paid In: $1,500.00
AS OF 4/2/2024 (at):

RECOMMEND: $1,500 PAID TO DATE, $500 x 8 BEGINNING 4/1/2024, $1,500 x 12 BEGINNING 12/1/2024, $2,806 x 36 BEGINNING 12/1/2025, BASE WITH A MINIMUM OF $90,577 TO UNSECURED CREDITORS
Debtors' attorney must file a fee application within 7 days of the entry of the order confirming the plan.
Preserve non exempt equity of $90,577 in real and personal property.

Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- Need October and November statements for Venmo account and Money Network account. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)

RESOLVED ISSUES:
- The current Plan does not specify treatment of Shellpoint Mortgage secured arrears claim under the Plan. (PER ATTORNEY, PAY)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $77,952 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $12,625 in non exempt equity in the 2017 Hyundai. (LANGUAGE ADDED)
- Debtors' attorney must file a fee application within 7 days of the entry of the order
confirming the plan. (LANGUAGE ADDED)

Plan proposes: $500 x 12 beginning 12/1/20223, $1,500 x 12 beginning 12/1/2024, $2,000 x 36 beginning 12/1/2025, not less than $67,136 to unsecured creditors
Payments: 3/5, arrears $1,000
Matter ResolvedRequest
Adjourment
1134/3/2024 10:00 am23-20853 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 5 required payments   Arrears: $40.00  
MP filed 4/1/24 to Modified plan to remove Liberty Green for failure to file a claim. Also modified plan to add secured creditor, LVNV as
negotiated


3/26 workup for the 4/3 calendar EDC

1) LVNV Funding LLC (Hladik Onorato) objection to confirmation - need to resolve
-creditor holds perfected judgment lien in the amount of $13,707.90
-plan does not provide for repayment of creditors claim, instead, the plan states lien is to be avoided
-valuation lower than the Lawrence Township Assessment
2) Calvary SPV I, LLC filed claim for secured judgment $1,413.85 - not treated in plan. Need to either pay or move against the claim MOTION TO AVOID LIEN TO BE HEARD 4/3/2024.
3) Liberty Green has not filed a claim and the bar date has passed. NEED TO RESOLVE

** Trustee objection to confirmation - need to resolve
-The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): Debtor disposable net income is $1,436.
-Debtors plan has motion to reclassify 2 judgement liens, if the plan is confirmed with motions, there will be $14,350.31 non-exempt equity in house. OK 100% EDC

proposed plan $191.23x60 100% plan
paid in $386

-------------------
resolved
-Debtors plan has motion to reclassify 2 judgement liens, if the plan is confirmed with motions, there will be $14,350.31 non-exempt equity in house. OK 100% EDC
Matter ResolvedRequest
Adjourment
1144/3/2024 10:00 am23-20888 / CMGAniello D. Cerreto, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 5 required payments   Arrears: $0  
Total Paid In: $8,400.00
As of 3/27/24(mk):ok to terms

**CAN REC CONFIRM AT $3,400 PTD , Then $5,000 x 56 Begin 4/1/24.
PLUS AN ANNUAL LUMP SUM PAYMENT of BONUS INCOME OF $38,555 on or before December 24 for the years 2024, 2025, 2026 and 2027. 100%
100% non-modifiable due to all the equity and disposable income.
Minimum to gucs base upon equity in real and personal property is $325,194**



5,000 not posted yet- Email to atty w/ options

3/22: atty email Debtor making 5,000 payment tomorrow

1. Plan funding -in addition to PTD then 5000 x 56 plan proposes 25% of debtor's annual bonus gross runs from 75,000-125,000 each year plan proposes an annual payment of b/w 18,750-31,250 per year

>>TOTAL AMOUNT NEEDED TO FUND THE PLAN IS $437,620<<

CODE PROVIDES ALL DEBTOR'S EXCESS DISPOSABLE INCOME BE DEVOTED TO THE PLAN

MK: 2 options for plan funding: total plan is $ PTD 3400 then $7,754 x 56 begin 4/1/24 100% OR

3,400 PTD Then $5,000 x 56 Begin 4/1/24 PLUS AN ANNUAL LUMP SUM PAYMENT of BONUS INCOME OF $38,220 on or before December 24 for the years 2024, 2025 2026 and 2027. 100%




2.Amended J has $1369 for health Insurance- Medical is from pay checks

PLAN IS 100% EQUITY T/H IS $325,194 FOR REAL AND PPERSONAL PROPERTY BASED UPON THE NOTES BELOW
- There is non-exempt equity in real property $70,795, $62,125 in personal property, $8,125 in jewelry, $14,745 in bank accounts and $36,638 in the stock account total $192,428.
- Schedule C contains improper exemptions 522(b)(3)(B) for $256,135.52 real property, plus Household goods under 522(d)(3) takes $29,750 plus $20,250 under (d)(1), clothes $20,000 (d)(3), equipment $5,000 (d)(3), which would exceed exemptions allowed.
- Jewelry is way over the allowed exemption under (d)4) and attempted exemption for jewelry under (d)(3).
- Improper exemption taken and cited 15 USC section 1673 for bank accounts.
- Improper exemption for various stock accounts in amounts of $9,957.05, $9,942.15, $5,444.81 and $36,628.41 under (d)(10)(E). TH
Matter ResolvedRequest
Adjourment
1154/3/2024 10:00 am23-20954 / CMGThomas J. Orr, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

ISSUES AS OF 3/28/2024 (DM): updated 4/2/24.

1) Wells Fargo (Powers Kirn) OBJs - failure to cure $1,062.88 arrears per POC - lender wants full balance paid thru plan and debtor objects (UNRESOLVED. THIS MAY BE A RAS
LENDER FILE NOW.)
WILL FILED APOC PER DEBTOR ATTY

2) Flagship Credit Acceptance filed a bifurcated claim FOR $11,600 secured and $644.68 unsecured with $0 arrears. Atty will review and advise (TREAT CLAIM AS SECURED UNAFFECTED OUTSIDE THE PLAN.)

3) Plan provides $7,728 secured to treatment to Jefferson Square HOA - no POC filed (CREDITOR FILED $5,474 AMENDED UNSECURED CLAIM - ATTY WILL GET CREDITOR TO AMEND TO SECURED)

4) Trustee OBJ:
- Income verifies higher ($2,299/$2,689) than scheduled ($2,132/$2,100) resulting in $1,117 monthly disposable income.


***RESOLVED ISSUES***


A) State of NJ filed an estimated claim for 2019 which needs to be amended (AMENDED.)

B) Trustee OBJ:
- There is $78,128 non-exempt equity in the residence (100% PLAN - LANGUAGE ADDED.)
- Need to file Pre-Confirmation Certification (FILED.)
- The attorney fees in the plan and Disclosure Statement do not agree. Disclosure provides $3,013 will Not be paid through the plan. One of these must be amended (DISCLOSURE AMENDED.)


Prop. Plan $260 x 60, 100% Plan.
PTD 4/4 = $1,040
Last Claim (10-2)
Matter ResolvedRequest
Adjourment
1164/3/2024 10:00 am23-21030 / CMGAndrew M. Carroll, Esq.Confirmation Hearing on Modified PlanContinued
5/15/2024 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $1,075.00  
As of 3/17/24(mk): Adj for atty to address FIG claim


1. Trustee objection:
- plan has pay FIG Cust FIGNJ 19LLC for $44,837.09- NO CLAIM HAS BEEN FILED AND THE REGULAR BAR DATE HAS PASSED
STRIKE IT OR FILED CLAIM AMD MOTION TO ALLOW LATE CLAIM ?


Plan: $1075 X 58; 100%
4/4 payments
Matter ResolvedRequest
Adjourment
1174/3/2024 10:00 am23-21294 / CMGTimothy H. King, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 8 of 4 required payments   Arrears: $62.00  Total Paid In: $4,500.00
MK: Gorski email says rec'd April rent 2:00PM today :landlord still objects based on feasibility (rent increases $250 per month beginning in May) and the debtor's damage to the property

AS OF 4/2/24 (SF) UPDATED

RECOMMEND $3975 PTD, $587 X 8 (BEGIN 4/1/24); $525 X 24 (BEGIN 12/1/24) BASE PLAN
- PAY VIOLETTA NERI, LANDLORD 12- MONTH PROMPT CURE TO BE PAID BEFORE ATTORNEY FEES
- ATTORNEY TO FILE FEE APPLICATION FOR HOURLY FEES WITHIN 7 DAYS OF ENTERED CONFIRMATION ORDER


Note: If Landlord and attorney are to be paid in first 12 months, payment will need to increase. Please clarify that lease arrears will be paid first, then attorney fees. (Per atty, pay Landlord first)


1. Objection filed by Violetta Neri (Gorski)) - Failure to pay arrears of $7800 as prompt cure and feasibility MK: SEE DEBTOR 'S RESPONSE AT #38 - ITS ALL RESOLVED BUT Landlord HAS NOT AGREED ITS RESOLVED. (MUST RESOLVE)

MK also there was a rent increase notice sent to debtor
to 2,125 so a 250 p/m increase and i was cc on it -

2. Trustee objection:

- Verifiable income leaves monthly disposable income of $1,627.35. (I and J amended. Disposable income is now $616)

- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.


Plan proposes $650 PTD; $525 x 34 Base Plan
Payments: Current $3975 Received



RESOLVED ISSUES:

- Need to file Pre-Confirmation Certification. (FILED)

- Need Proof of 2 month's income - for debtor's new job. (RECEIVED)

- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,244.00 when determining disposable income.
- The Plan fails to provide for a prompt cure of rental arrears. (MP filed)
- State of NJ filed estimated priority claim 11-2 (AMENDED)
Matter ResolvedRequest
Adjourment
1184/3/2024 10:00 am23-21595 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $1,814.00  
issues as of 3/25/2024 (JMA)

1) The Bank of New York Mellon (RASC) objection to confirmation - need to resolve
-arrears $15,248.79 not provided for in the debtor's plan
2) One Main (2008 Chevy Impala) claim #9 has secured claim of $7,200 and unsecured claim of $14,305.92 - not treated in plan
3) Trustee objection to confirmation - need to resolve
- A copy of the homeowner's insurance renewal declaration - policy provided is for condo association, need personal liability coverage
- A Modified Plan that treats mortgage arrears The Bank of NY Mellon, Amendments to Schedules Schedule D to include The Bank of NY Mellon (mortgage on house); identify OneMain as loan for 2008 Chevy Impala
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): -Excessive expense on Schedule J $760/car payment.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): -there is non-exempt equity in the amount of $30,874 in real estate.
- IRS priority claim is estimated for 2021 and 2022 taxes, GUC claim estimated for 2017 taxes
- Kia Finance claim #9 is cosigned by mother and daughter. The plan in this case indicates the car is being paid in the daughters Chapter 13 case #23 -14135.

proposed plan $916x60 0% plan
paid in $1,850
arrears $898
last claim 17

RESOLVED ISSUES:

3) Need to file Pre-Confirmation Certification with Court FILED, RESOLVED
Matter ResolvedRequest
Adjourment
1194/3/2024 10:00 am23-21690 / CMGRobert Manchel, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 3/27/24 (SF)

1. The plan proposes a loan mod and a sale, can't be both. (MUST RESOLVE) - Per Atty debtor will pursue loan mod and not the sale.

2. Objection filed by Specialized Loan Serv, LLC (Stewart) - failure to pay arrears of $60,363.44 (MUST RESOLVE)

3. Loss mit order expires on 5/22/24

4. Need explanation for language in 4g as to Specialized Servicing to be paid in full. (Error - Strike Language)

5. Trustee objection:

- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,120.00 when determining disposable income.

- There is $152,788 in non exempt equity in the residence.

- Need to file Pre-Confirmation Certification.


Plan proposes $1191 x 60 Base; Sale by 6/5/24
Payments: 3/3


Also plan proposes both a LM and a sale of property- need to pick one- has motion for Loss mit on 2/21/24(mk)
Matter ResolvedRequest
Adjourment
1204/3/2024 10:00 am23-21825 / CMGEdward Nathan VaismanConfirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $2,150.00  
As of 3/26/24 (DS): Debtor atty req adj to allow time to get updated docs

As of 3/25/24 (DS): 1. Trustee obj to the following:
- Need months bank statements from Wells Fargo acct prior to filing date, updated CMA and 2023 tax returns.
- A modified plan that specifies treatment of Ally Capital (2016 Ford F-150) arrears $480.45, adds Trustee standard order of distribution, surrender the timeshare and adds attorney fees per disclosure $2,250 (or amended attorney disclosure to remove attorney fees owed).
- 22C-1 was done improperly. Line 2 column A-Debtor monthly gross income has $5,560, Sched I has $12,111, 22C-1 Line 2 column B-Spouse gross monthly income has $2,773.60, Sched I has $6,009. Case should be above median due to 2022 tax return gross income being $168,880.
- Excessive expenses on Sched J: Electricity $550, Food $1,700, Medical $445, Health insurance $225 (spouse has medical insurance deductions $902.40 on Sched I), Federal back taxes $2,291.66 and State of NJ back taxes $1,083.33 (these will be paid through the plan and should be removed) and car payment $848.
- Schedules I & J show disposable monthly income of $2,945.
- Must file Pre-confirmation certificate.

Prop Plan $2,150 x 60 begin 1/1/24; Base
Matter ResolvedRequest
Adjourment
1214/3/2024 10:00 am23-21951 / CMGMarc C. Capone, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $4,800.00
As of 4/1/24 (DS): Confirm at $1,200 x 12 begin 1/1/24; $1,600 x 12 begin 1/1/25; $2,200 x 12 begin 1/1/26; $2,500 x 12 begin 1/1/27; $3,675 x 12 begin 1/1/28; 100% to gucs with a minimum dividend $195,823.95 to gucs due to non-exempt equity;
- Add to confirming order Trustee ok to pay the late filed claim#14-5 of Changsheng Lu $955.27.
- Student loans to be treated outside.
- Fee app within 7 days.
- Within 7 days must file Pre-confirmation certificate.

1. Trustee obj to the following:
- 22C disposable income is $6,086 which requires min. dividend $365,160 to gucs.
- There is $195,972 in non-exempt equity in the residence.
- Must file a fee application within 7 days of the entry of the order confirming.
- Must file Pre-confirmation certificate.


2. No claim filed by Changsheng Lu, bar date has passed. LATE CLAIM FILED 3/28/24.

Prop Plan $1,200 x 12 begin 1/1/24; $1,600 x 12; $2,200 x 12; $2,500 x 12; $3,675 x 12; 100%
Note: Provided MTA 457 Loan balance statement.
Matter ResolvedRequest
Adjourment
1224/3/2024 10:00 am23-21992 / CMGJonathan Stone, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 3 of 4 required payments   Arrears: $0  

NS AND FAILURE TO PROSECUTE
AS OF 3/28/2024 (at):

AR OAK KNOLL CONDO late poc asserts improper notice 4573 secured ( not in plan )

1. Objection filed by Country Living at Mapleview (Giordano, Halleran) - Objecting to avoidance of lien. Substantial equity to pay lien. (UNRESOLVED9)AR NO CLAIM FILED ?) )

2. Santander filed a secured arrears claim #4 in the amount of $1,350 for a 2022 Hyundai which is not in the plan. Are the debtors going to pay this claim? (MK: YES PAY)

3. Trustee's objection:
- A Modified Plan that completes Part 8. (MODIFIED PLAN NOT FILED)
- Amendments to Schedules B/C to list personal property. (NOT AMENDED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$895/month for cable/internet/phone
$1,710/month for food
$637/month for medical/dental
Need proof of excessive expenses 10 days prior to confirmation. (PROOF OF EXPENSES NOT RECEIVED)
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $2,799. (with excessive expenses )
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Debtor must stop the $350 weekly wage garnishment to the insider (brother-in-law.)

RESOLVED ISSUES:
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service on Mapleview Realty. (CERT OF SERVICE FILED)
The debtor has failed to supply the Trustee with the following document (s):
- Need a statement for the debtor's 401k loan. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $84,206 in non exempt equity in the residence. (LANGUAGE ADDED)
There is $5,075 in non exempt equity in the 2015
Matter ResolvedRequest
Adjourment
1234/3/2024 10:00 am24-10143 / CMGHerbert B. Raymond, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $1,500.00
As of 4/1/24 (DS): Ok to confirm at $500 x 36 begin 2/1/24; Base - ATTY OK WITH TERMS
- Loan mod on Greenwood Ave by 6/30/24, arrears claim#2-1 to be paid pending loan mod.
- Section 4(g) to be stricken and Trenton Water Works not to be paid, no POC filed.
- The dismissal of this case should trigger a one year bar on re-filing due to 7 previous filings in the last 5 years.

1. Trenton Water Works did not file a claim.

As of 3/5/24 (DS): Debtor atty requested adjournment and provided money order $500 mailed to lockbox and updated auto insurance.

3/6/24 (DS): 1. Motion for Prospective Relief by mortgage, sched 3/20/24. OTBS DEBTOR MADE PYMT, PURSUE LOAN MOD IN REM RELIEF AS TO FUTURE IF CASE IS DIMISSED OR SV

2. Trustee obj to the following:
- Must resolve creditor objection.
- The dismissal of this case should trigger a one year bar on re -filing due to 7 previous filings in the last 5 years.

3. PHH Mortgage (ALEISHA JENNINGS) obj to loan mod and that this is Debtor's 7th bankruptcy filing since 2019, foreclosure judgment has been entered and this is another attempt to delay foreclosure.

Prop Plan $500 x 36 begin 2/1/24; Base and Loan mod on Greenwood Ave by 6/30/24
Note: 2021 tax refund no issue, Cert of non-filing provided and auto insurance.
Matter ResolvedRequest
Adjourment
1244/3/2024 10:00 am24-10265 / CMGJoseph Casello, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

mk: atty says adj . request was uploaded . LM package complete 3/4/24 and decision w/in 30 days. atty says requested 4/17 and if gets LM will confirm on that day . If NOT will w/d plan and file a MP

As of 3/25/24 (DS):

IF OBJ RESOLVED WITH MORTGAGE WITH NO ARREARS TO BE PENDING LOAN MOD BY 4/24/24, Need to confirm at $500 x 3 begin 2/1/24; $595 x 37 begin 5/1/24; 100% with a minimum dividend $44,126 due to non-exempt equity;
- Loan mod on Lakewood Rd by 4/24/24 (Per loss mit order); Arrears not to be paid pending loan mod.
- Within 7 days must file Pre-confirmation certificate.
- Debtor to provide 2023 tax returns no later then 5/31/24.

1. AJX Mortgage (PLUESE, BECKER, SALTZMAN) obj to loan mod, Debtor defaulted in 2017 loan mod. Obj must be resolved.

As of 3/1/24 (DS): Debtor atty requested adjournment to pass bar date 3/20/24

3/6/24 (DS): Need to confirm at $500 x 2 begin 2/1/24; $562 x 38 begin 4/1/24; 100% with a minimum dividend $70,057 due to non-exempt equity;
- Loan mod on Lakewood Rd by 4/24/24 (Per loss mit order); Arrears not to be paid pending loan mod.
- Within 7 days must file Pre-confirmation certificate.
- Debtor to provide 2023 tax returns no later then 5/31/24.

OR WAIT PASS BAR DATE 3/20/24

1. Trustee obj to the following:
- Pension loan balance statement provided and pension loan payment $555 ends in month 11. PLAN PAYS 100%
- Need 2023 tax returns, if not filed then must provide no later than 5/31/24.
- Disposable income verifies $1,049, plus tax refund $607 not on Schedule I. Plan pays 100%.
- There is non-exempt equity in real property $39,601 and $4,525 in bank acct total $44,126.
- Must file Pre-confirmation certificate.

2. Loss mit order entered 1/25/24 has loan mod by 4/29/24.

Prop Plan $500 x 40 begin 2/1/24; 100% and Loan mod on Lakewood Rd by 6/1/24
Matter ResolvedRequest
Adjourment
1254/3/2024 10:00 am24-10373 / CMGJacklynn McDonnell, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $6,156.00
AS OF 3/26/2024 (at):

RECOMMEND: $2,052 x 60 BEGINNING 2/1/2024, 100% PLAN
Need 2023 tax return by 5/15/2024.
Claims will be paid according to the trustee's order of distribution.
Debtors' attorney must file a fee application within 7 days of the entry of the order confirming the plan.
Preserve non exempt equity of $153,791.00 in real estate.

1. Objection filed by Cross Country Mortgage (KML) - failure to cure arrears of $1,022.42. (RESOLVED - PAY ARREARS THROUGH PLAN)

2. Trustee's objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of $1,519.12.
- The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - for coaching job at Monmouth University.
- A copy of the last filed tax return - 2023 (LANGUAGE ADDED)
- Need statements for the co-debtor's four pension loans. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$300/month for home maintenance
$1,700/month for food
$950/month for childcare
$500/month for medical and dental
$1,000/month for transportation
$250/month for pet care
$252/month for housekeeping
Need proof of excessive expenses 10 days prior to confirmation. (PROOF OF EXPENSES NOT RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Per the 22C, monthly disposable income is $5,818 which requires a minimum dividend of $349,080 to general unsecured creditors.

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $153,791 in non exempt equity in the residence. The plan must remain 100% as
proposed. (LANGUAGE ADDED)
- The debtor's Plan proposes an order of distri
Matter ResolvedRequest
Adjourment
1264/3/2024 10:00 am24-10535 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 1 of 3 required payments   Arrears: $2,677.00  
TO BE CURRENT THOUGH APRIL
As of 4/3/24 (sf) Debtor sent over proof of TFS payment made on 4/1/24 in the amount of $1514.99

AS OF 4/3/2024 (at):

DEBTOR HAS MADE LESS THAN ONE PAYMENT. ARREARS ARE $2,776.01. (including proof of TFS payment)

1. Objection filed by LoanDepot.com (Frenkel, Lambert) - failure to cure arrears of $39,854.23. (RESOLVED - PAY PER POC)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - for 2023 by 5/15/24. (LANGUAGE ADDED)
- The current Plan does not specify treatment of Twp of Stafford arrears $244.80 under the Plan. (MOD PLAN PAYS CLAIM)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION)
- Must file Pre-confirmation certificate. (NOT FILED)

Modified plan before confirmation proposes: $1,139 paid to date, $1,614 x 59 beginning 3/1/2024, $0 to unsecured creditors
Payments: 1/3, arrears $4,079

Matter ResolvedRequest
Adjourment
1274/3/2024 10:00 am24-10540 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

As of 4/3/24 (DS) 1. 1 PYMT MADE 4/2/24, ARREARS $1,564, MADE 1 OUT OF 3 PYMTS
ATTY PLACING DEBTIR ON TFS

2. Trustee to obj to the following:
- Need 2023 tax return, auto insurance for 2018 Ram 1500 (PROVIDED 4/2/24) and updated CMA on real property (Zillow value is much higher, ranges from $370k-$452k, but only gives $300,909.
- Amendment to Sched A/B and C to add 2018 Ram, POC filed 1/29/24. - AMENDED SCHED A/B FILED TO ADD 2018 RAM 4/3/24
- Plan does not specify treatment of AmeriCredit (2018 Ram).
- There is non-exempt equity in real property and 2019 GMC $715.
- The CMA provided shows property valued between $370k -$452, but only gives a value of $300,909. There is one item (bathroom) reflected in the CMA that requires remediation without an estimate for repair. The value provided for in the CMA is not reflective of the
comparable homes in the area. Thus, there is additional non-exempt equity in the real estate than scheduled. MUST PROVIDE UPDATEED CMA
- Must resolve the creditors objections.
- Must file Pre-confirmation certificate. FILED 4/1/24

3. Lakeview Loan (BROCK & SCOTT) obj to arrears owed more, POC filed $4,383.84. Must resolve obj.

4. AmeriCredit (EISENBERG GOLD & AGRAWAL) obj to not on plan. Must resolve obj.

Prop Plan $782 x 60 begin 2/1/24; Dollar Base $38,000
Matter ResolvedRequest
Adjourment
1284/3/2024 10:00 am24-10547 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 5 of 3 required payments   Arrears: $0  

issues as of 3/25/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- Proof of 2 month's income - for non filing spouse.
- A copy of the last filed tax return - 2023 by 5/15/2024.
- Need a statement for the debtor's 401k loan.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $500/month for cable/internet/phone; $900/month for food for two; $615 & 750/month car payments; $500/month for pet expenses; $265/month for spouse IRS debt. Need proof of excessive expenses 10 days prior to confirmation.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): Verifiable income leaves monthly disposable income of $3,875.
- Need to file Pre-Confirmation Certification.
- Need statements (January) for the Paypal and Coinbase accounts.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.

proposed plan $1100x60 base plan
paid in $1650
arrears $550
last claim 13
Matter ResolvedRequest
Adjourment
1294/3/2024 10:00 am24-10583 / CMGPaula Collins, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 1 of 3 required payments   Arrears: $0  


NS
AS OF 4/1/2024 (at):

1. 341 has not been held or rescheduled.
2. Payments: 1/3, arrears $1,280
Matter ResolvedRequest
Adjourment
1304/3/2024 10:00 am24-10584 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 3 required payments   Arrears: $0  

NS
As of 3/20/24 (DS): 341 will not be held 3/28/24, still missing docs, also no Trustee payments made, arrears $330, made 0 out of 2 payments, soon 3.
Matter ResolvedRequest
Adjourment
1314/3/2024 10:00 am24-10591 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledContinued
6/5/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $250.00  


341 BY 5-9
DEBTOR TO BE PLAV=CED ON TFA
as of 3/20/2024 (JMA)

1) 341 not held, not rescheduled - has not provided all 341 documents
2) No Trustee plan payments to date, arrears $500
IN ATTY TRUST ACCT
Matter ResolvedRequest
Adjourment
1324/3/2024 10:00 am24-10593 / CMGMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $600.00
As of 3/25/24(mk):


** CAN REC CONFIRM AT $200 x 36 Begin 2/1/24 BASE.
Trustee Standard order of Distribution.
Part 8(a) of the plan shall be modified to provide that the Debtor(s) property shall be vested upon confirmation**



Plan;200 x 36 Base
2/2 payments
Matter ResolvedRequest
Adjourment
1334/3/2024 10:00 am24-10609 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $2,280.00
AS OF 3/25/2024 (at):

Trustee's objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$857/month for food
$1,100/month for spouse's debt
$309/month for entertainment
Need proof of excessive expenses 10 days prior to confirmation. (PROOF OF EXPENSES NOT RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Per the 22C, monthly disposable income is $1,178 which requires a minimum dividend of $70,680 to general unsecured creditors.
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2023 by 5/15/2024. (LANGUAGE ADDED)

Plan proposes: $760 x 60 beginning 2/1/2024, not less than $38,000 to unsecured creditors
Payments: 2/2
Matter ResolvedRequest
Adjourment
1344/3/2024 10:00 am24-10613 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $1,023.00
ADJ FOR 2 PYMTS TO POST
TFS AUTO PAY
As of 4/3/24 (DS): 1. No Trustee payments made, Debtor in arrears $1,023, made 0 out of 2. PER EMAIL FROM ATTY DEBTOR MADE 1 TFS PYMT 4/2/24, NO PROOF PROVIDED

2. Trustee obj to the following:
- Need TD Bank statements from 12/18/23 - 1/23/24 (PROVIDED 4/2/24) and 2023 tax returns.
- Must resolve IRS estimated tax claim, 2023 not filed.
- Must file Pre-confirmation certificate. FILED 4/2/24

Prop Plan $341 x 60 begin 2/1/24; $0
Note: Updated homeowner insurance provided. Amendment to Scvhed I add spouse contribution.
Matter ResolvedRequest
Adjourment
1354/3/2024 10:00 am24-10614 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,400.00  
issues as of 3/25/2024 (JMA)

1) Nationstar Mortgage (Brock & Scott) objection to confirmation - PER DEBTORS ATTY OK TO PAY ARREARS THROUGH PLAN - CREDITOR NEEDS TO FILE PROOF OF CLAIM
-debtor does not propose treatment of pre-petition arrears in the amount of $620.58
2) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - 2023 by 5/15/2024.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: The following need proof of expense to be provided to the trustee : $1,525/month for childcare; $430/month for entertainment; $752/month car payment; $300/month for pets
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): Verified income leaves monthly disposable income of $2,576.28.
- Reviewed the 22C, monthly gross income is $18,629. Line 13b should not list mortgage payment. Line 15 (additional public transportation) should be $0 and Line 17 (involuntary deductions) should be $794. Per the 22C, monthly disposable income is $1,413 which
requires a minimum dividend of $84,780 to general unsecured creditors. AMENDED FORM 22C FILED, CORRECTED ISSUES.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is $65,459 in non exempt equity in the residence.
- Co-debtor received a $5,000 bonus. Need pay stub for same.
- Need December and January bank statements for Citibank Money Market account.
- Need to file Pre-Confirmation Certification NOT FILED TO DATE
3) IRS priority claim estimated 2023 tax return

proposed plan $1,400x60 minimum $65,460 dividend to general unsecured creditors
paid in $1,400
arrears $1,400
last claim 19
Matter ResolvedRequest
Adjourment
1364/3/2024 10:00 am24-10629 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $100.00  
As of 3/28/24(mk):

should adj to 4/17 bar date is 4/3 and no mtg POC filed yet - that may impact equity T/H

1. 341 just held today.

2, Trustee Objection
- as of now, there is 26,401 in equity in real property. atty to file amended c and claim exemption
-must file pre conf cert.


Plan: $200 X 60; BASE
1/2 payments
Matter ResolvedRequest
Adjourment
1374/3/2024 10:00 am24-10636 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
6/5/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $225.00  

341 BY 4-18
FYI: CO submitted 3/11/24 resolving obj. to conf . by Loan Depot(Brock & Scott) Terms= PAY ARREARS POC #& $12,020.95 thru the plan
Matter ResolvedRequest
Adjourment
1384/3/2024 10:00 am24-10656 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,146.00  
AS OF 4/1/2024 (at):

1. The IRS filed an estimated claim #7 which needs to be amended. (STILL ESTIMATED)

2. Objection filed by Trystone Capital Assets (Velasquez) - failure to cure full amount of $29,274.69 (Per POC). Plan proposes to pay $22,414. (UNRESOLVED)

3. Trustee's objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of
$916.06. (DEBTOR MUST SIGN UP FOR E-WAGE WITHIN 7 DAYS OF CONFIRMATION)
- Need to resolve objection by Trystone Capital Assets. (UNRESOLVED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2023 by 5/15/2024. (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - prior to confirmation. (RECEIVED)
- Need 2022 tax return for non filing spouse. (RECEIVED)
- The current Plan does not specify treatment of NJ Department of Labor secured claim under the Plan. (CLAIM WITHDRAWN)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $183,501 in non exempt equity in the residence. (100% plan ) (LANGUAGE ADDED)

Plan proposes: $1,182 x 60 beginning 2/1/2024, 100% to unsecured creditors
Payments: 1/3, arrears $2,346
Matter ResolvedRequest
Adjourment
1394/3/2024 10:00 am24-10676 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $0  
Total Paid In: $300.00
Per atty :- has resolved obj Mtg obj>Debtor has until 7/31/2024 to sell the property or file a modified plan to surrender;
Debtor shall maintain taxes and insurance while the sale is pending;
Total debt to be paid in full from the sale. need order on objection

As of 4/1/24 (DS): 1. Trustee to obj:
- There is non-exempt equity in real property $61,653.
- Need updated auto insurance for 2010 Mazda, insurance expired 3/14/24.
- Add to confirming order non-exempt proceeds from sale of real property to Trustee.
- Must resolve objection of Mortgage Assets Management.
- Must file Pre-Confirmation Certification.

2. Mortgage Assets (MCCALLA RAYMER LEIBERT) obj to sale/refinance and that Debtor inherited home, mortgage in name of Marjorie Taylor. Must resolve obj

Prop Plan $150 x 36 begin 2/1/24; Base and Sale/Refinance of Trebing Ct with 7 months from filing 1/25/24 (7/25/24)
Matter ResolvedRequest
Adjourment
1404/3/2024 10:00 am24-10717 / CMGTHOMAS M MONAHAN, ESQConfirmation Hearing ScheduledContinued
6/5/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

341 BY 4-25
issues as of 3/25/2024 (JMA)

1) 341 not held, not rescheduled - no documents provided
2) Deutsche Bank Trust Co (RASC) objection to confirmation - need to resolve
-debtor proposes loan mod to resolve arrears
-creditor has not offered or approved loan modification

proposed plan $593x60 100% with loan mod 6 months after confirmation
paid in $1,186
last claim 4
Matter ResolvedRequest
Adjourment
1414/3/2024 10:00 am24-10719 / CMGAlan G. Cosner Confirmation Hearing ScheduledContinued
6/5/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 4/1/2024 (at):
PUT TFS EWAGE
RECEIVED PROOF OF ONE PAYMENT ON 4/1/2024.

1. 341 has been scheduled for 5/2/2024.
2. Payments: 0/3, arrears $6,825
Matter ResolvedRequest
Adjourment
1424/3/2024 10:00 am24-10751 / CMGDavid L. Stevens, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

ADJ FOR 1350 TOTAL TO POST AND 341 TO BE SCHEDULED
341 now on 4/24/24 but no $


As of 3/20/24 (DS):

341 will not be held 3/28/24, missing docs: DR BUSINESS PL 2 MTHS FROM DEC 2023 & JAN 2024 AND COMPLETED BUSINESS QUEST FOR CONSTRUCTION, , SP BUSINESS P/L 2 MTHS FROM DEC 2023 & JAN 2024 AND COMPLETED BUSINESS QUEST FOR CHIROPRACTIC.

ALSO NO TRSUTEE PAYMENTS MADE, ARREARS $900, MADE 0 OUT OF 2 SOON 3.
Matter ResolvedRequest
Adjourment
1434/3/2024 10:00 am24-10768 / CMGLeonard S. Singer, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 3/22/2024 (JMA)

1) 341 hearing not held, not rescheduled - not all 341 documents provided
2) DLJ Mortgage Capital Inc (McCabe Weisberg) objection to confirmation - need to resolve
3) Plan fails to pay in 36 months of disposable income
Matter ResolvedRequest
Adjourment
1444/3/2024 10:00 am24-10772 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $500.00  
341 docs in
2/2 payments
Matter ResolvedRequest
Adjourment
1454/3/2024 10:00 am24-10783 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,125.00  
AS OF 3/27/2024 (at):

1. State of NJ, Dept. of Labor filed a secured claim #1 in the amount of $2,445 which is not in the plan. Is the debtor going to pay this claim?

2. Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Income verifies higher than scheduled, net disposable income $963.
- pre conf cert (NOT FILED)

RESOLVED ISSUES:
- need update in 6 mos for potential appeal w/ division of unemployment. (LANGUAGE ADDED)

Plan proposes: $750 x 36 beginning 2/1/2024, base
Payments: 1/2, arrears $750
Matter ResolvedRequest
Adjourment
1464/3/2024 10:00 am24-10797 / CMGJose R. Torres Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 4/1/2024 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT THE 341 CAN BE CONDUCTED.

1. 341 is scheduled for 4/18/2024.
2. Payments: 2/3, arrears $500
Matter ResolvedRequest
Adjourment
1474/3/2024 10:00 am24-10812 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $1,800.00
As of 4/1/24 (DS): Debtor atty rquested adj to pass bar date, homeowner insurance provided.

As of 3/22/24 (DS): 1. Trustee obj to the following:
- Need 2023 tax returns (can add to confirming order if not filed to provide no later than 5/31/24).
- There is non-exempt equity in real property $81,658.06. RECOMMEND WAITING PASS BAR DATE 4/9/24. TOTAL GUCS FILED $44,563.86.
- Need Trustee standard order of distribution.
- Fee app within 7 days frrom conf.

2. Cross Country (FRIEDMAN & VARTOLO) obj to arrears owed, no POC filed. Must resolve obj.

3. JPMorgan Chase - 2018 Subaru filed arrears $30. Trustee ok to pay?

Prop Plan $600 x 36 begin 2/1/24; $950 x 9; $2,075 x 15; 100%
Note: Homeowner insurance provided.
Matter ResolvedRequest
Adjourment
1484/3/2024 10:00 am24-10843 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $9,000.00
updated 3/27/2024 (JMA)

OK TO CONFIRM AT $3,000X60 BEGIN 2/1/2024 WHICH INCLUDES MINIMUM $154,351 DIVIDEND TO GENERAL UNSECURED CREDITORS
issues as of 3/25/2024 (JMA)

1) Trustee objection to confirmation - RESOLVED

- A copy of the homeowner's insurance renewal declaration - for Branch Ave and Bolton Court. POLICIES PROVIDED, RESOLVED

- A Modified Plan that surrenders both of the Time Shares (Hilton Las Vegas and Vidanta) RESOLVED, SURRENDER BOTH TIMESHARES

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $3,000/month mortgage payment (per statement $2,813.85); $550/month for home maintenance; Need proof of excessive expenses 10 days prior to confirmation. NOT RESOLVED

- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): Verified income leaves monthly disposable income of $4,412.35. Per the 22C, monthly gross income is $18,041 and monthly disposable income is $2,834
which requires a minimum dividend of $170,040 to general unsecured creditors. DUE TO EXCESS INCOME ON FORM 122C, A MINIMUM $170,040 DIVIDEND TO BE PAID TO GENERAL UNSECURED CREDITORS

- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is $110,077 in non-exempt equity in the real estate. There is $32,564 in non- exempt equity in the vehicles. There is $11,710 in non exempt equity in the bank accounts. TOTAL NON-EXEMPT EQUITY $154,351.

- Need proof of insurance for the 2010 BMW, 2016 Jeep and 2018 Jeep. POLICY PROVIDED COVERS THE JEEPS, THE 2010 BMW IS A MOTORCYLE, POLIY PROVIDED

proposed plan $3,000x60 base plan
paid in $6,000
last claim 9

RESOLVED ISSUES:

- Need to file Pre-Confirmation Certificati
Matter ResolvedRequest
Adjourment
1494/3/2024 10:00 am24-10869 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
6/5/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 4/1/2024 (at):

Trustee's objection:
- Need a statement for the debtor's 401k loan. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$700/month for food
$500/month for transportation
$200/month for personal care
$703/month car payment
Need proof of expenses 10 days prior to confirmation. (PROOF OF EXPENSES NOT RECEIVED)
- Verified income leaves monthly disposable income of $1,917 after accounting for contributions and the paystubs provided.
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)

RESOLVED ISSUES:
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- The schedules need to add approximately $300 from family contributions for utilities per the 341 testimony. (ADDED TO WORKSHEET AS INCOME)
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2023 by 5/15/2024. (LANGUAGE ADDED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $4,690 in non exempt equity in the bank accounts. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $903 x 3ab6 beginning 2/1/2024, base
Payments: 1/2, arrears $901
Matter ResolvedRequest
Adjourment
1504/3/2024 10:00 am24-10879 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 3 required payments   Arrears: $0  

AS OF 4/1/2024 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/3, arrears $729
Matter ResolvedRequest
Adjourment
1514/3/2024 10:00 am24-10880 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $150.00  Total Paid In: $300.00
AS OF 3/21/2024 (at):

RECOMMEND: $150 X 60 BEGINNING 2/1/2024, BASE
Need to file Pre-Confirmation Certification within 7 days of confirmation.

Plan proposes: $150 x 60 beginning 2/1/2024, base
Payments: 1/2, arrears $150
Matter ResolvedRequest
Adjourment
1524/3/2024 10:00 am24-10881 / CMGJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledMoot - Converted to 7 / 11Debtor has made 2 of 3 required payments   Arrears: $0  

As of 3/22/24 (DS): Motion to convert case from ch 13 to 7 filed 3/21/24
Matter ResolvedRequest
Adjourment
1534/3/2024 10:00 am24-10915 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 3/25/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - 2023 by 5/15/2024.
- Need proof of insurance for the 2016 Buick. NOT PROVIDED TO DATE
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): Verified income leaves monthly disposable income of $1,342 after deducting social security.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is $200,961 in non exempt equity in the residence.
- There is $7,543 in non exempt equity in the 2016 Buick.
- Need December and January bank statements for TD checking account. NOT PROVIDED TO DATE

proposed plan $710x60 base plan
paid in $1,420
no claims filed

RESOLVED ISSUES:

- Need to file Pre-Confirmation Certification - FILED, RESOLVED
Matter ResolvedRequest
Adjourment
1544/3/2024 10:00 am24-10975 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
6/5/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

debtor will mod plan to surrender car with sv

issues as of 3/22/2024 (JMA)

1) 341 not held, not rescheduled - 341 documents not provided
2) New Rez LLC d/b/a Shellpoint Mortgage Servicing - need to resolve
-arrears $16,730.63

proposed plan $1,380x60 base plan
paid in $1,380
last claim 16
Matter ResolvedRequest
Adjourment
1554/3/2024 10:00 am24-10977 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $248.00  
ATTY TO PUT DEBTOR ON TFS AUTO
4/2/24 (sf) - Atty provided copy of money order in the amount of $250 attached.

AS OF 4/1/2024 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. Trustee's objection:
- The debtor has insufficient income disposable income verifies $67. Pending proof of
income requested.
- The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - from Promptcare Support Services after 12/15/23 date
until 2/1/24. (RECEIVED ONLY 2/23 PAY STUB)
- proof of food stamps income. (NOT RECEIVED)

RESOLVED ISSUES:
- A copy of the last filed tax return - for 2023. (NOT RECEIVED - LANGUAGE ADDED)
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
Crescent Bank & Trust, proof of claim fild, must serve address on claim. (CERT OF SERVICE FILED WITH CORRECT ADDRESS)
- Must file Pre-confirmation certificate. (FILED)

Plan proposes: $249 x 60 beginning 3/1/2024, $0 to unsecured creditors
Payments: 0/2, arrears $498
Matter ResolvedRequest
Adjourment
1564/3/2024 10:00 am24-10979 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $2,000.00
AS OF 4/1/2024 (at);

RECOMMEND: $1,000 PAID TO DATE, $1,637 x 58 BEGINNING 5/1/2024, 100% PLAN
Student loans will be paid outside of the plan.
Preserve non exempt equity of $7,053 in real property.
Need Order resolving SN Servicing objection within 30 days of confirmation.

1. Objection filed by SN Servicing (Friedman Vartolo) - failure to cure full arrears of $76,782.37 (Per POC) (UNRESOLVED)
PER ATTY OK TP PAY

Trustee's objection:
- Need a mortgage statement showing monthly payment amount. (NOT RECEIVED)
REFER TO POC
- Need to file Pre-Confirmation Certification. (NOT FILED)
FILED

RESOLVED ISSUES:
- The IRS filed an estimated claim which needs to be amended. (NO LONGER ESTIMATED)
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2023 by 5/15/2024. (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - that includes liability
coverage. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $7,053 in non exempt equity in the residence. (LANGUAGE ADDED)
OK
- student loans outside (LANGUAGE ADDED)

Plan proposes: $1,000 x 60 beginning 3/1/2024, 100% plan
Payments: 1/2, arrears $1,000
Matter ResolvedRequest
Adjourment
1574/3/2024 10:00 am24-11014 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $3,014.00
as of 3/22/2024 (JMA)

ok to confirm at $1,500 paid to date, $1,514x59 begin 4/1/2024 base plan


proposed plan $1,500x60 base
paid in $1,500
last claim 7
Matter ResolvedRequest
Adjourment
1584/3/2024 10:00 am24-11017 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $2,400.00
issues as of 3/22/2024 (JMA)

To confirm need $1,200 paid to date, $1,688x59 begin 4/1/2024 minimum $19,950 dividend to gucs due to non-exempt equity in house

1) Rocket Mortgage LLC f/k/a Quicken Loans (KML) objection to confirmation - order to be submitted resolving creditor objection paying $67,077.46 arrears through plan
2) Trustee objection to confirmation - need to resolve
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): - There is 21,501 non-exempt equity in the debtor's home.
- The car insurance policy expired 2/17/2024, need renewal. RESOLVED, RENEWAL PROVIDED
3) Bar date expires 4/12/2024, there is $19,950.02 non-exempt equity in real estate to be paid into the plan.

proposed plan $1,200x60 base plan
paid in $1200
last claim 1
Matter ResolvedRequest
Adjourment
1594/3/2024 10:00 am24-11030 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/1/2024 (at):

1. The NJ Division of Taxation filed an estimated claim #8 which needs to be amended. (STILL ESTIMATED)

2. Objection filed by Wells Fargo Bank (Powers Kirn) - failure to cure full arrears of $45,256 (Per obj - no POC yet) Plan proposes to pay $44,097.93. (UNRESOLVED)

3. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - for VA Industries job. (NOT RECEIVED)ATTY WILL EMAIL
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$754/month car payment
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)
- Need to resolve objection by Wells Fargo Bank. (UNRESOLVED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $50,384 in non exempt equity in the residence. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $1,140 x 60 beginning 3/1/2024, 100% to unsecured creditors
Payments: 1/2, arrears $1,140
Matter ResolvedRequest
Adjourment
1604/3/2024 10:00 am24-11033 / CMGPRO SEConfirmation Hearing ScheduledMoot - DismissedDebtor has made 0 of 2 required payments   Arrears: $0  

issues as of 3/22/2024 (JMA)

1) 341 not held, not rescheduled - 341 documents not provided
2) No Trustee plan payments to date, arrears $660

proposed plan $660x60 0% plan
paid in $0
arrears $660
last claim 8
Matter ResolvedRequest
Adjourment
1614/3/2024 10:00 am24-11062 / CMGLINWOOD A JONESConfirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $0  

AS OF 4/1/2024 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $1,816

Stay motion by landlord is scheduled for 4/17/2024.
Matter ResolvedRequest
Adjourment
1624/3/2024 10:00 am24-11139 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledContinued
6/5/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/1/2024 (at):

1. 341 has not been held or rescheduled.
2. Payments: 1/2, arrears $1,038
Matter ResolvedRequest
Adjourment
04/3/2024 11:00 am24-12679 / CMGRobert C. Nisenson, Esq.Order Show CauseMoot
FILING FEES( fees PD)
Matter ResolvedRequest
Adjourment
1634/3/2024 12:00 pm21-15049 / CMGEdward Hanratty, Esq.Motion CompensationRevised Order SubmittedTotal Paid In: $51,666.00
TR LIMITED OBJ

3/28/24: REVISED ORDER FOR FEES OUTSIDE PLAN
so no base increase
Matter ResolvedRequest
Adjourment
1644/3/2024 12:00 pm23-10910 / CMGSteven J. Abelson, Esq.Motion CompensationGrantedTotal Paid In: $12,303.00
Matter ResolvedRequest
Adjourment
1654/3/2024 12:00 pm23-15701 / CMGMelinda D Middlebrooks, EsqMotion CompensationGrantedTotal Paid In: $4,050.00
mk:Application for Supplemental fees - will cause plan payment to increase second tier of plan to begin 8/1/24 increases payment but will need more to cover fees

Loss mit extended to 5/24/24
Matter ResolvedRequest
Adjourment
1664/3/2024 12:00 pm23-19532 / CMGMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $2,425.00
Matter ResolvedRequest
Adjourment
1674/3/2024 12:00 pm23-20584 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $4,000.00
Matter ResolvedRequest
Adjourment
1684/3/2024 12:00 pm23-21432 / CMGRalph A Ferro, Jr, EsqMotion CompensationGrantedTotal Paid In: $8,000.00
Matter ResolvedRequest
Adjourment
1694/3/2024 12:00 pm23-21461 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $2,400.00
Matter ResolvedRequest
Adjourment
1704/3/2024 12:00 pm23-21469 / CMGMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $4,000.00
Matter ResolvedRequest
Adjourment
1874/3/2024 3:00 pm23-12564 / CMGMarc C. Capone, Esq.AP Summons IssuedJudge to Reserve Decision
AP 23-1388 Yerzy vs. Mangiafico
Matter ResolvedRequest
Adjourment
1904/3/2024 3:00 pm23-18083 / CMGSteven D. Pertuz, Esq.AP Summons IssuedContinued
5/1/2024 3:00 pm

AP 24-1015 Shah vs. XIII Group, LLC
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes