Judge Christine M. Gravelle
Hearing Date: 1/18/2023
Hearing Count: 176
Last Updated: 01-30-2023 06:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
11/18/2023 9:00 am17-21572 / CMGWARREN LEVY, ESQ.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $114,765.00
AMT: Arrears cured/will complete timely<<>>

Debtor obj, making pymts<>ARREARS as of 12/28/22 $3,700. Made recent large payment 12/13/22. Per atty making another payment of 3,700 that will post by hearing date and Jan payment by mid Jan
Matter ResolvedRequest
Adjourment
21/18/2023 9:00 am17-33068 / CMGWarren Levy, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
1/10/23: Plan balance pd


Debtor obj, can pay<>FAILED TO PAY PLAN BALANCE $1,940 BEFORE EXPIRATION

12/29/22(mk): per atty debtor to drop off certified funds by 12/30 - then atty to mail to TN- adj to Post
Matter ResolvedRequest
Adjourment
31/18/2023 9:00 am18-10945 / CMGMICHAEL P OTTO ESQMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $26,177.00
1/4/23(mk); Order submitted debtro cure arrears for 22,000 ( $ from non filing spouse 401(k)
Debtor obj<>NEWREZ/SHELLPOINT / D. Street (McCalla RAYMER)
Matter ResolvedRequest
Adjourment
41/18/2023 9:00 am18-12420 / CMGCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $18,412.00
Need Status

12/2 AMT: TRUSTEE LTR REQUESTING CONDUIT<>


Debtor obj<> WILMINGTON SVG/Parkway ave (Brock & Scott)

mk : ck sent out to cure arrears
Matter ResolvedRequest
Adjourment
51/18/2023 9:00 am18-13179 / CMGCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/15/2023 9:00 am
Total Paid In: $18,741.00
Mk: must be current by next hearing date

Debtor obj, made pymt & requests recap<<>ARREARS

1/11/23mk: plan balance is $1474 and there is 1 mo left in plan- when will balance be paid?- email to atty
Matter ResolvedRequest
Adjourment
61/18/2023 9:00 am18-14112 / CMGAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/15/2023 9:00 am
Total Paid In: $8,630.00
Debtor obj, can pay<>ARREARS

Mk: debtor can pay off plan adj for payments and posting
Matter ResolvedRequest
Adjourment
81/18/2023 9:00 am18-14660 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/1/2023 9:00 am
Total Paid In: $91,271.00
Debtor obj<>ARREARS

made a Dec payment but TR arrears 7,860 as of 1/11/23. Debtor says will be able to cure arrears by early Feb- has some closings



creditor cert of default on 1/18/23
Matter ResolvedRequest
Adjourment
71/18/2023 9:00 am18-14660 / CMGMarc C. Capone, Esq.Creditor Certification of DefaultContinued
2/1/2023 9:00 am
Total Paid In: $91,271.00
mk: debtor submitted a Loss mit package which was complete on 1/3/23 needs 30 days to review- creditor will only agree to 2/1/23 as of now

Case was adj from 12/7 to 1/18


12/2 AMT: TRUSTEE LTR REQUESTING CONDUIT<<>>

Debtor obj<>CITIMTG/McKinley St (Stern & L)

made a Dec payment but TR arrears 7,860 as of 1/11/23. Debtor says will be able to cure arrears by early Feb- has some closings
Matter ResolvedRequest
Adjourment
91/18/2023 9:00 am18-17695 / CMGCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/1/2023 9:00 am
Total Paid In: $30,266.00
MP (#206) filed 12/29/22- ON 2/1/23


(AMT: 12/21 MP DENIED)<<>>

11/23/22: creditor cert of default on 12/7 - order submitted - adds $20,922.80 into plan and MP in 20 days. conf on 12/7 should be denied


Debtor obj, filing MP<>PLAN WILL NOT COMPLETE TIMELY DUE TO POST PETITION MTG ARREARS ADDED TO PLAN

Mp on 12/7
creditor cert on 12/7/ -ORDER SUBMITTED 11/23/22
Motion for Comp on 12/7
Matter ResolvedRequest
Adjourment
101/18/2023 9:00 am18-28067 / CMGRobert C. Nisenson, Esq.Trustee Certification of DefaultContinued
2/15/2023 9:00 am
Total Paid In: $10,853.00
MK: 2/15/23 to be completely current. PEREMPTORY

Debtor obj, will pay<> ARREARS $876 as of 1/11/23

Bad pay history

11/1/22(mk: atty email: Debtor just received contract to sell and balance of plan will be paid by middle of December. STATUS????(per atty still in process

Matter ResolvedRequest
Adjourment
111/18/2023 9:00 am18-29682 / CMGLaurence R. Sheller, Esq.Creditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $24,254.00
Debtor obj<> US Bank/Pennington Ave (LOGS)

12/8/22 : CO submitted - cure outside

Matter ResolvedRequest
Adjourment
121/18/2023 9:00 am18-30130 / CMGMoshe Rothenberg, Esq.Creditor Certification of DefaultGrantedTotal Paid In: $28,222.00
Debtor obj<>PHH/4521 Rt 203 (RAS)
Matter ResolvedRequest
Adjourment
131/18/2023 9:00 am18-30156 / CMGSANTO BONANNO ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $54,012.00
SV/US BANK; ARREARS $7,308 as of 1/11/23. Last pay 7/14/22
Matter ResolvedRequest
Adjourment
141/18/2023 9:00 am18-30886 / CMGTHOMAS J ORR ESQCreditor Certification of DefaultContinued
2/1/2023 9:00 am
Total Paid In: $21,465.00
Debtor obj<> US BANK/Petticoat Bridge Rd (ras)
Matter ResolvedRequest
Adjourment
151/18/2023 9:00 am18-33701 / CMGWARREN S JONES, JR ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $40,649.00
ARREARS 6,738 as of 1/11/23.Last pay 9/13/22
Matter ResolvedRequest
Adjourment
161/18/2023 9:00 am19-12423 / CMGYakov Rudikh, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $12,882.00
SV/PNC; ARREARS 1,017 as of 1/11/23. Last pay 10/25/22
Matter ResolvedRequest
Adjourment
171/18/2023 9:00 am19-17565 / CMGGeorge E Veitengruber IIIMotion SellGrantedTotal Paid In: $156,051.00
Wells Fargo response (LOGS)- want lang in Order to pay their lien in full; BOA limited response (ras)<>MOTION TO SELL

1/13/23(mk) CO resolving objection to motion submitted by creditor.
That is fine BUT PPSED ORDER submitted w/ motion must also be interested.


mk: Case was confirmed at 100%. PPSED Order submitted with the motion pays balance of plan.
Matter ResolvedRequest
Adjourment
181/18/2023 9:00 am19-21386 / CMGGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/15/2023 9:00 am
Total Paid In: $18,760.00
Mk: atty has $ sent in and more coming . adj to dat of creditor cert 2/15/23

ARREARS $4,068 as of 1/12/23. Last pay 7/21/22


>. FYI: creditor cert of default filed12/27 22. Debtor opp'n filed to that on 1/10/23- says made payments but late
Matter ResolvedRequest
Adjourment
191/18/2023 9:00 am19-21386 / CMGGeorge E Veitengruber IIICreditor Certification of DefaultContinued
2/15/2023 9:00 am
Total Paid In: $18,760.00
Debtor obj<> RUSHMORE/Niagara (Fein Such)

Creditor request to adj to 1/15/23 for review of recent payments and updated post petition numbers
Matter ResolvedRequest
Adjourment
201/18/2023 9:00 am19-22654 / CMGRussell L. Low, Esq.Motion Motion (Generic) - Only use if no other event is applicableRevised Order SubmittedTotal Paid In: $6,025.00
1/17/23(mk) Revised Order submitted

mk: Needs a revised Order making the last parag. debtor rec'd net proceeds $49,445. However , out of those proceeds $10,625 was non exempt and should have been turned over to the Ch 13 trustee. Debtor has spent those funds and therefore must file a modified plan in 14 days that provides $625 x17 Begin 2/1/23


MTN TO APPV AND DISBURSE SETTLEMENT

12/22/22(mk): TR OBJ Filed
Matter ResolvedRequest
Adjourment
211/18/2023 9:00 am19-24822 / CMGBrian S. Thomas, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $20,038.00
Debtor obj<<>> PNC/Pomona Drive (KML)
Matter ResolvedRequest
Adjourment
221/18/2023 9:00 am19-26203 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $25,761.00
Arrears cured. Plan will complete timely.
Matter ResolvedRequest
Adjourment
231/18/2023 9:00 am19-26232 / CMGRobert Cameron Legg, Esq.Motion Requesting RedactionGrantedTotal Paid In: $27,490.00
Matter ResolvedRequest
Adjourment
241/18/2023 9:00 am19-27255 / CMGJohn Zimnis, Esq.Motion Prospective ReliefOrder to be SubmittedTotal Paid In: $16,580.00
OBJECTOR WANTS FIRM DATE FOR CLOSING
Debtor obj<>CITY OF TRENTON /Harris Ave (GOLDENBERG, MACKLER)
Matter ResolvedRequest
Adjourment
251/18/2023 9:00 am19-27537 / CMGTHOMAS J ORR ESQTrustee Certification of DefaultContinued
2/15/2023 9:00 am
Total Paid In: $13,658.00
MP filed on for 2/15/23

Debtor obj, filing MP<> ARREARS $4,387.50 as of 1/11/23.


MFR on 11/29(Rushmore Loan)- **TR STILL DOES NOT HAVE AN ORDER ON THIS MOTION
Debtor got a LM so the pre pet arrears are covered under that. Order does not address any post pet. arrears so where is the order on the MFR?
---------------

>>11/1/22(mk: email from debtor's atty: Although we have not received the mortgage company's capitalization figures yet, Mr. Wood will probably not be able to afford to capitalize both mortgage and trustee arrears over the remaining months of the plan. Mr. Wood received a mortgage forbearance through December. He made a partial mortgage payment of $1,175 on October 11, 2022 and a partial trustee payment of $337.50 on 10/31/22 (confirmation number 8801967 - online payment ID number 19275379305). Mr. Wood has also applied for loan modification.

We made a proposal to the mortgage company to resume regular mortgage payments in December and to postpone the MFR to January pending the outcome of the loan modification.

Will the trustee consent to a similar proposal: resume regular trustee payments in December and postpone the COD to coincide the with the MFR.

Matter ResolvedRequest
Adjourment
261/18/2023 9:00 am19-28802 / CMGRobert C. Nisenson, Esq.Motion Relief from Stay (Fee)Continued
2/15/2023 9:00 am
Total Paid In: $67,557.00
Debtor obj<>LAKEVIEW LOAN / Elizabeth Ave(LOGS)

DEBTOR SAYS LOAN MOD APPROVED which includes all arrears. No motion to Approve has been filed as of 1/1123

1/11/23(mk) Creditro request to adj to 2/15/23 . Working on CO
Matter ResolvedRequest
Adjourment
271/18/2023 9:00 am19-28878 / CMGVera Fedoroff, Esq.Motion Hardship DischargeGranted
MK: needs amended & J- Filed

TR Objection- this will be resolved
Matter ResolvedRequest
Adjourment
281/18/2023 9:00 am20-11298 / CMGGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $28,452.00
AMT: MP 1/18 < HR>>

12/18/22(mk): MP (341) filed 12/16/22


11/16/22 PLAN WAS DENIED AND FAILED TO FILE NEW PLAN WITHIN 14 DAYS TO ADDRESS FEASIBILITY DUE TO PP MTG ARREARS ADDED TO PLAN
Matter ResolvedRequest
Adjourment
291/18/2023 9:00 am20-12131 / CMGLee M. Perlman, Esq.Motion Relief from Co-Debtor StayWithdrawnTotal Paid In: $8,331.00
Debtor obj<>LAKEVIEW LOAN /Barrington Lane (LOGS)
Matter ResolvedRequest
Adjourment
301/18/2023 9:00 am20-13668 / CMGSTEPHANIE SHRETER, ESQMotion Relief from Stay (Fee)GrantedTotal Paid In: $5,950.00
PETITUS PORTFOLIO SERVICES/WESTLAKE FINC -2013 Charger (MORTON)


Mk: creditor di not accept debtro's offer
Matter ResolvedRequest
Adjourment
311/18/2023 9:00 am20-14749 / CMGTHOMAS J ORR ESQCreditor Certification of DefaultWithdrawnTotal Paid In: $13,494.00
Debtor obj<> CENLAR/High St (Pluese Becker)
Matter ResolvedRequest
Adjourment
321/18/2023 9:00 am20-16305 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $18,413.00
Debtor obj, can make pymt & requests recap<>ARREARS 1,918. made recent payment

1/17/23(mk) RECAP $18,413 PTD(32 mos), Then $723 x 28 Begin 2/1/23. Deboro to sign up for Ewage w/in 10 days- email to atty

Matter ResolvedRequest
Adjourment
331/18/2023 9:00 am20-17312 / CMGJohn Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $5,250.00
ARREARS as of 1/11/23 $1200. Last pay 8/10/22. Bad pay history
Matter ResolvedRequest
Adjourment
341/18/2023 9:00 am20-19654 / CMGAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $11,436.00
AMT: MP 1/18 >

Debtor obj<>ARREARS 2700 as of 1/11/23
Matter ResolvedRequest
Adjourment
351/18/2023 9:00 am20-20977 / CMGStacey L. Mullen, Esq.Creditor Certification of DefaultContinued
3/15/2023 9:00 am
Total Paid In: $13,462.00
Ct will adj to 3/15 to see where debtor is and debtor to make 1 payment 2/1/23, 1 by 2/15/ and 1 by 3/1/23 1 by 3/15/23
hearing on 3/15/23 for status no conduit on this. If 2 payments not made by 2/15/ stay relief and we won't get to 3/15/23 hearing

should be 4 payments in by 3/15/23 debtor can't afford conduit.
case has 314 to be paid off but ct wants it held opeen to see if debtor can cure mtg arrears.


1/18/23 debtor 4 payments behind

1/17/23:mk: atty and creditor trying to resolve- may need adj.

1/13 AMT: TR LTR REQUESTING CONDUIT<>


Debtor obj<> BOA/Hamilton Ave ( Parker McCay)


Matter ResolvedRequest
Adjourment
361/18/2023 9:00 am20-22492 / CMGEdward Hanratty, Esq.Creditor Certification of DefaultContinued
2/1/2023 9:00 am
Total Paid In: $70,484.00
mk: debtor paid some but missing 2 payments- adj to Tr cert. of default

12/30 AMT: TR LTR REQUESTING CONDUIT<<>>


Debtor obj(Says made payments)<> US BANK/Overbrook Dr (romano)

Matter ResolvedRequest
Adjourment
371/18/2023 9:00 am20-22956 / CMGRobert Cameron Legg, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $40,724.00
1/17/23(mk: creditor writes waiting for authorization to W/D cert of default. will advise- in meantime can mark as resolved


Debtor obj<> SANTANDER/Tanya Court (Brock & Scott)
Matter ResolvedRequest
Adjourment
381/18/2023 9:00 am20-23789 / CMGRobert Braverman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $12,221.00
AMT: $ 12,220.50 PTD (24); $555 X 36 BEGINNING 1/1/23 (EMAIL TO ATTY)<<>>

Debtor obj, can make pymt & requests recap<> ARREARS
Matter ResolvedRequest
Adjourment
391/18/2023 9:00 am21-12306 / CMGCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/15/2023 9:00 am
Total Paid In: $9,295.00
as of 1/16/23 : MP filed


Debtor obj, filing MP<>SV/LAKEVIEW; ARREARS
Matter ResolvedRequest
Adjourment
401/18/2023 9:00 am21-15274 / CMGPaul H. Young, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $9,758.00
ARREARS as of 1/11/23 $6,002. Last pay 7/12/22
Matter ResolvedRequest
Adjourment
411/18/2023 9:00 am21-15463 / CMGCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultContinued
2/15/2023 9:00 am
Total Paid In: $18,397.00
AMT: MP 1/18> REC PLAN BE DENIED>

Debtor obj, made pymt<> ARREARS

1/17/23(mk) Motion for Trial LM filed . no documentation and order is for final LM?? tr objection filed- debtor also filed a motion to extend loss mit to 3/20/23 says debtor rec'd trial LM needs to complete payments.

10/31/22:MK: atty office says debtor got t a LM... Filing a MP to remove arrears

Matter ResolvedRequest
Adjourment
421/18/2023 9:00 am21-15629 / CMGSCOTT E KAPLAN ESQMotion Relief from Co-Debtor StayOrder Previously SubmittedTotal Paid In: $23,613.00
Debtor obj<>ALLY CAPITAL/2015 Jeep (Lavin)

1/13/23(mk) CO submitted- cure outside
Matter ResolvedRequest
Adjourment
431/18/2023 9:00 am21-17242 / CMGSCOTT C PYFERMotion Relief from Stay (Fee)Continued
2/15/2023 9:00 am
Total Paid In: $15,600.00
Debtor obj<>ALLY CAPITAL/2015 Accord (Lavin)
Matter ResolvedRequest
Adjourment
441/18/2023 9:00 am21-17313 / CMGBruce C. Truesdale, Esq.Creditor Certification of DefaultContinued
2/15/2023 9:00 am
Total Paid In: $151,000.00
CT granted adj for $ to post

MK:1/18/23; Debtor still not current- debtor say s sent 5,000
atty office sent 25,000 then debtor sent directly 5,000 and atty has another 4,700- creditor will not agree to adj pushing for stay relief


Need Status- did debtor pay to be current?


12/16 AMT: TR LTR REQUESTING CONDUIT<<>>

12/16/22(mk) Creditor reply -says will not agree to any future orders in this case and will move forward with stay relief( but may agree if Debtro has $to cure)

Debtor obj<> PLANET HOME/Overhill Dr (Friedman Vartolo)

mk: a revised order was submitted by email on 12/5/22 to be used if motion is granted.
Matter ResolvedRequest
Adjourment
451/18/2023 9:00 am21-18645 / CMGRobert Cameron Legg, Esq.Creditor Certification of DefaultContinued
2/15/2023 9:00 am
Total Paid In: $9,100.00
mk: debtor has 1800 - that does not make her current. debtor will agree to conduit and creditor waiting to hear from client on conduit - if no cure by 2/1/5 - conduit


1/10/23(mk):Need status- are we doing Conduit?
email from creditor( atty P. Raymond) asking if debtor consents to conduit

12/2 amt: TRUSTEE LTR REQUESTING CONDUIT<<>>

Debtor obj<> NATIONSTAR/Red Feather Trl (McCalla)
Matter ResolvedRequest
Adjourment
461/18/2023 9:00 am21-18712 / CMGBrian W. Hofmeister, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/15/2023 9:00 am
Total Paid In: $5,039.00
AMT; MP 1/18>

as of 1/11/23(mk): made lg payment in Dec now only owes for Jan. $431. NEED STATUS OF LM


AR NOTE PENDING ATTY SUBMITTING PROOF OF TR PYMTS AND STATUS OF LOAN MOD

FAILED TO LM BY 8/1/22

4 payments in arrears

Mk: debtro in procees of obtaining a LM need 60 days. IT HAS BEEN 90 DAYS SINCE THE TRUSTEE MOTION WAS FILED--STATUS??
Matter ResolvedRequest
Adjourment
471/18/2023 9:00 am21-18939 / CMGVera Fedoroff, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $2,579.00
1/25 AMT; DRAFT CONDUIT ORDER TO PARTIES <>

1/18/23:mk resolved debtor will cure remaining arrears by end of Jan 4,1085.11 pay by certified funds and debtor will be making conduit payments begin Feb- mk talk to AMT on this

1/18/23(mk): debtor says she paid and 1 bounced 1808.24 was deducted 1/16- still begin and will get current by end of Jan. will agree to conduit begin Feb. Creditor pushing for relief first then conduit

12/16 AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj<> US BANK/Liberty Court (Friedman Vartolo)

MK: debtor atty says:With regard to the Certification of Default by the mortgage company, my client has provided proof that she has caught up with the payments and I have forwarded the proof to the attorney for the mortgage company.

1/17/23: from creditor: Through Thursday, I have $5747.07. 2 payments, December and January, 2 agreed order payments, late fees and attorneys fees. $1808.24 received on January 3 was returned NSF on the 6th.

Debtro offered to work out with conduit and creditor says wants SV but if CT prefers another workout then conduit is only way.
Matter ResolvedRequest
Adjourment
481/18/2023 9:00 am21-18995 / CMGRussell L. Low, Esq.Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $2,400.00
Debtor obj; Midfirst response<>MIDFIRST BANK / Vine St (GROSS POLOWY)

>>LM Order entered 1/3/23. order deals with pre pet arrears only

debtor says: in process of LM. orig package not rec'd by lender so lender gave opportunity to submit new package.


9/16/22: creditor adj request to 10/19b/c creditor is reviewing loss mit package

Matter ResolvedRequest
Adjourment
491/18/2023 9:00 am21-19470 / CMGDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/1/2023 9:00 am
Total Paid In: $3,540.00
AMT; MP 1/18 >MP in 14 days - adj this motion to 3/1/23 to see if Mp filed etc

12/9/222(mk): MP filed. extends LM date


Debtor obj, filing MP<>FAILED TO LM BY 11/1/22; FAILED TO FILE ORDER RESOLVIG WILMINGTON TRUST OBJ WITHIN 30 DAYS OF 8/3/22 CONF
Matter ResolvedRequest
Adjourment
501/18/2023 9:00 am21-19476 / CMGWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/15/2023 9:00 am
Total Paid In: $16,800.00
FAILED TO RESOLVE NJ DIV TAX EST CLM #11-1(priority portion); SV/HSBC

mk: atty working on tax claim and needs time to resolve SV
Matter ResolvedRequest
Adjourment
511/18/2023 9:00 am22-10167 / CMGRussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/15/2023 9:00 am
Total Paid In: $1,800.00
Debtor obj<>SV/HYUNDAI; ARREARS- cured

Filing MP to surrender car
Matter ResolvedRequest
Adjourment
521/18/2023 9:00 am22-10331 / CMGJohn Zimnis, Esq.Creditor Certification of DefaultContinued
2/1/2023 9:00 am
Total Paid In: $2,750.00
mk: debtro prob current- and creditro needs to confirm and then will w/d cert

1/13 AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj<> WELLS FARGO/Lakedale Dr (Powers)

1/13/23(mk) Creditor atty (J. O'Donnell)says debtor has brought Loan Pot pet current and will w/d the cert of default once she has confirmation form her client
Matter ResolvedRequest
Adjourment
531/18/2023 9:00 am22-10894 / CMGRobert H. Johnson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $1,000.00
SV/ALL CREDIT; ARREARS 1200 as of 1/11/23. Lasr pay 8/8/22
Matter ResolvedRequest
Adjourment
541/18/2023 9:00 am22-11147 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $1,000.00
AMT: MP 1/18<> mk Case was confirmed

Debtor obj<>FAILED TO LM BY 9/30/22

12/1/22(mk) MP filed 11/30/22. now no Lm but a Refi by 5/1/23. Part 9 of plan not complete.
Matter ResolvedRequest
Adjourment
551/18/2023 9:00 am22-11194 / CMGJeffrey E. Jenkins, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $4,000.00
WYNDMOOR APT MFR (Cohen)

TR Motion to Dismiss and Conf on 2/1/23
Matter ResolvedRequest
Adjourment
561/18/2023 9:00 am22-11376 / CMGJonathan Goldsmith-Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $68,546.00
AMT: MP 1/18 *** HR


------------------

Debtor obj,.DEBTOR'S PLAN WAS DENIED ON 10/19/22 AND FAILED TO FILE A MP WITHIN 14 DAYS- 12/1/22- email to atty for status- says will file the Mp before 12/7/22

mk: There is and OST for Motion to Sell real Prop. on fo 12/7/22
Matter ResolvedRequest
Adjourment
571/18/2023 9:00 am22-11490 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $7,962.00
Debtor obj<>ALLY CAPITAL/ 2014 Sonata (LAVIN)
Matter ResolvedRequest
Adjourment
581/18/2023 9:00 am22-12339 / CMGLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/1/2023 9:00 am
Total Paid In: $6,132.00
Debtor obj<>ARREARS as of 1/12/23 $4,845 just made a recent payment
on1/12/23. before that last pay was 7/2022

also creditor cert on 1/18
Matter ResolvedRequest
Adjourment
591/18/2023 9:00 am22-12339 / CMGLee M. Perlman, Esq.Creditor Certification of DefaultContinued
2/1/2023 9:00 am
Total Paid In: $6,132.00
mk: agreed to 2 week adj to review settlement


1/13 AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj<> CARRINGTON/Heather St (Stern & L)

mk>arrears as of dec $4,589.82
debtor opp'n says would like to roll arrears into plan and.. agrees to CONDUIT

TR arrears $4845
Matter ResolvedRequest
Adjourment
601/18/2023 9:00 am22-12697 / CMGMICHELLE LABAYENMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $3,500.00
Trustee obj<>MTN TO EXPUNGE QUANTUM CLAIMS #3,4,5,19,20, 21; LVNV CLAIMS #13,14,16; PORTFOLIO CLAIM #25


MK: Corrected cert on support was filed per Tr obj.so that obj can be w/d.
Matter ResolvedRequest
Adjourment
611/18/2023 9:00 am22-12735 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/15/2023 9:00 am
Total Paid In: $2,400.00
MP filed and On for 2/1/5/23 Removes LM and has sale of RE


Debtor obj, filing MP<>FAILED TO LM BY 12/14/22
Matter ResolvedRequest
Adjourment
621/18/2023 9:00 am22-13109 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $4,900.00
Debtor obj<>NEWREZ/SHELLPOINT- Carriage Ct (ROBERTSON, ANSCHUTZ)


MFR settled debtor in loss mit - LM in 60 days
Matter ResolvedRequest
Adjourment
631/18/2023 9:00 am22-13109 / CMGCandyce I. Smith-Sklar, Esq.Application for Loss MitigationOrder to be SubmittedTotal Paid In: $4,900.00
NewRez obj (RAS)<> APP FOR LOSS MIT
Matter ResolvedRequest
Adjourment
661/18/2023 9:00 am22-13152 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $3,000.00
FAILED TO LM BY 11/3/22

debtor opp'n(#43)>Filed motion to extend LM 12/27


MRF filed By Residential Mtg Loan( Romano) on for 1/18/23
Matter ResolvedRequest
Adjourment
651/18/2023 9:00 am22-13152 / CMGDaniel E. Straffi, Esq.Motion to Extend Loss MitigationDeniedTotal Paid In: $3,000.00
Residential mtg obj (romano)<>MTN TO EXTEND LOSS MIT TO 3/27/23

MK debtro will have loss mit package by end of week
Matter ResolvedRequest
Adjourment
641/18/2023 9:00 am22-13152 / CMGDaniel E. Straffi, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $3,000.00
1/13 AMT: TR LTR REQUESTING CONDUIT<<>>

Mk: default back to 2014- bad history

Debtor obj< MOTION FOR STAY RELIEF, PROSPECTIVE RELIEF/IN REM RELIEF >RESIDENTIAL MTG LOAN MFR ( Romano)

**Mk: creditor does not agree to conduit per his 1/13/23 email**

MK debtor says debor mother is liquidating property to cure debtros default if LM not successful
Matter ResolvedRequest
Adjourment
671/18/2023 9:00 am22-13449 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $2,000.00
AMT: MP 1/18**REC DISMISS**<<>>

11/30/22(mk): arreras $4,315. Case as is now is not feasible LL POC filed and needs a MP to try to save it or Dismiss


10/14/22(mk: TR SUPPLCERT #29:Arrears and Needs MP to cover late claim of LL - ADJ for MP



10/7/22(mk): debtor atty email on 10/7/22- He will file a MP

10/7/22: CO submitted allowing POC by Landlord for 36,213.45 and a prompt cure THIS CASE NEEDS A MP. Confirmed Base will not come close to covering the claim amt.

10/4/22(mk): Ross Switkes has the signed consent order and will file an application etc


9/19/22(mk) R. Switkes, esq to prepare CO and application to allow late claim for LL.

9/9/22(mk) email from R. Switkes, esq. who rep landlord, Sean martin. he needs time to resolve claim issue with debtor's atty and Tr motion will be adj. to 10/19

Debtor obj, requests recap<>10/11/22 AMT: SUPP CERT FOR ARREARS;
FAILED TO FILE POC ON BEHALF OF LANDLORD AND MTN TO ALLOW LATE CLM WITHIN 15 DAYS OF 7/6/22 CONFR; FAILED TO FILE AMD PEITION WITHIN 10 DAYS OF 7/6/22 CONF TO REMOVE ANY REFERENCE TO PI MATTER(FILED 9/13/22
Matter ResolvedRequest
Adjourment
681/18/2023 9:00 am22-13749 / CMGRichard F. Fried, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGrantedTotal Paid In: $1,200.00
MP #38 filed on 1/18/23>>HR<<
Matter ResolvedRequest
Adjourment
691/18/2023 9:00 am22-13930 / CMGMark S Cherry Motion Relief from Co-Debtor StayContinued
2/1/2023 9:00 am

MK: adj 2 weeks for cure by debtro

12/30 AMT: TR LTR REQUESTING CONDUIT TO PARTIES<<>>

SANTANDER/ Peachatone Rd (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
701/18/2023 9:00 am22-14937 / CMGJohn F. Bracaglia, Jr., Esq.RELISTED - Motion for Relief from StayContinued
2/1/2023 9:00 am

1/13/23(mk): email to counsel and CT - objecting to PPSED Order that provides ap payments for July- Oct 2022 then dec payment directly to Creditor. What happened to NOV.? Also NO AP in 2 MP before conf- need to clean up inconsistencies and adj this to 2/1/23 which is conf so it's all consistent.
>Aleshia reply - should have included Nov. in 5 mo APP being held by TR -sent in revised Order- now has 6 mos for total arrears 14,749.68. Tr only has 15,000 on hand as of now


1/12/23(mk):Order submitted. Post Pet Arrears $14,749.68 LM by 3/1/23. if no LM then MP to cure, surrender or convert. Creditor will not demand arrears during period of LM.
Says debtor has sent (5)ADQ. Pro payments to Trustee for total 11,000. Plan does not provide for this and it was not set up

AMT: 12/7/22 HEARING WAS OTBS<<>>

Debtor obj<> PHH/Hidden Pond (RAS)
Matter ResolvedRequest
Adjourment
721/18/2023 9:00 am22-14943 / CMGJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayContinued
2/15/2023 9:00 am
Total Paid In: $4,350.00
Debtor obj<>US BANK TRUST NAT'L ASSOC/ S. 9th St (STERN & EISENBERG)


11/10/22(mk: debtor's claims motion was adj to 1/18/23. Parties are attempting to resolve
Matter ResolvedRequest
Adjourment
711/18/2023 9:00 am22-14943 / CMGJustin M. Gillman, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
2/15/2023 9:00 am
Total Paid In: $4,350.00
US Bank obj ( McCalla(P Raymond(<>MTN TO MODIFY CLM 11-1

MK: debtor seeks to reduce amount of claim by $4,426 (amt. of Escrow shortage(due to insurance on prop) which debtor says was pd)to total of 31,498.47

Parties attempting to resolve
Matter ResolvedRequest
Adjourment
731/18/2023 9:00 am22-15488 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Moot - Dismissed
Case was dismissed on 12/7/22 at conf w/o prej.

Will Be requesting adj to 1/18/23 pending LM review.

**12/6/22(mk); email from Gavin Stewart, esq. Money Store is agreeable to Conduit payments per Tr conduit letter. Debtros submitted a LM application which is being reviewed. If LM denied, they will provide requested info for conduit.

AMT: TRUSTEE LTR REQUESTING CONDUIT<<>>

Debtor obj<>THE MONEY SOURCE / wAKEFIELD rOAD (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
741/18/2023 9:00 am22-15637 / CMGFRANK J FISCHER, ESQMotion Relief from Co-Debtor StayContinued
2/1/2023 9:00 am

KIRKLAND FINANCIAL/Forest Ave (Schiller Knapp)
Matter ResolvedRequest
Adjourment
751/18/2023 9:00 am22-15847 / CMGNicholas Fitzgerald, Esq.Motion Motion (Generic) - Only use if no other event is applicableMoot - Dismissed
Creditor submitted an appraisal at 389,000 and debtor atty has not gotten appraisal yet. submit by ?

11/30/22(mk); Sent email to parties for status.
they will need a date for a valuation hearing


11/2/22: NEEDS VALUATION HEARING


Creditor obj(Stern &E)MTN TO TREAT SECOND MTG REAL TIME RESOLUTIONS AS UNSECURED

mk: motion fails to serve the managing agent or other authorized person to accept service. MOOT AS THERE WAS AN OBJECTION FILED BY CREDITOR

also:9/30/22(mk):The plan proposes a loan modification when the trustee's investigation reveals there appears to be a pending sale of the property at $399,000. This is a much higher value that stated in the Petition and debtor cannot cram the second mortgage.
.
Matter ResolvedRequest
Adjourment
761/18/2023 9:00 am22-15971 / CMGAndrew G. Greenberg, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $3,678.00
MTN TO RECLASS TD RETAIL FROM SECURED TO UNSECURED
Matter ResolvedRequest
Adjourment
781/18/2023 9:00 am22-16141 / CMGRobert C. Nisenson, Esq.Motion Relief from Stay (Fee)Granted
LESLIE ZIEMANN ( Perlman)
Matter ResolvedRequest
Adjourment
771/18/2023 9:00 am22-16141 / CMGRobert C. Nisenson, Esq.Motion Dismiss CaseContinued
2/15/2023 9:00 am

1/6/23(mk): WHAT IS STATUS OF THIS MOTION TO DISMISS?
apparently adv pro was settled- will this be w/d?


10/28/22 (sf) Atty for Subsidium Healthcare is requesting adj of this motion to 11/16 as he will be away. on 11/2. Ok to adjourn?

Debtor obj; creditor response<>CREDITORS SUBSIDIUM HEALTHCARE & TSG RESOURCES,INC MTN TO DISMISS (Mandelbaum)

10/27/22(mk) ADV Pro filed by TSG & Subsidium
Matter ResolvedRequest
Adjourment
01/18/2023 9:00 am22-16438 / CMGPRO SEMotion Motion (Generic) - Only use if no other event is applicableMoot - Dismissed
DEBTOR'S MTN FOR DEFAULT JUDGMENT AGAINST JP MORGAN CHASE
Matter ResolvedRequest
Adjourment
791/18/2023 9:00 am22-16648 / CMGKevin C. Fayette, EsqMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $2,610.00
MTN TO EXPUNGE CAPITAL ONE AUTO CLM

Mp on 1/18/23
Matter ResolvedRequest
Adjourment
801/18/2023 9:00 am22-17489 / CMGAndrew G. Greenberg, Esq.Motion Relief from Stay (Fee)Order to be Submitted
OTBS - interium order on in rem motion for debtor to apply for loss mit- loss mit w/ in 60 days

12/16 AMT: TR LTR REQUESTING CONDUIT<<<

Debtor obj<>NEWREZ/SHELLPOINT (1st mtg) Allaire Ave (ROBERTSON, ANSCHUTZ)

Motion to extend stay on 12/7/22- GRANTED

LM process just started

12/7/22: CO to allow debtor to submit LM and participate in Loss Mit
Matter ResolvedRequest
Adjourment
811/18/2023 9:00 am22-17543 / CMGDavid E. Shaver, Esq.Motion Relief from Stay (Fee)Continued
2/15/2023 9:00 am

1/13/23(mk) Creditor request to adj and says debtor needs time to claim life insurance settlement.

US BANK/Buttonwood Lane (Pluese)


Creditor says: Bad faith.
Foreclosure J'Ment entered March 2016 for $964,377.92.
4th bankruptcy filing for this debtor. Debtor has been repeatedly denied for a LM. Last denial was 17 days before this case was filed.
sole purpose of filing is delay - Prejudicial to creditor


----------------------
Funds to TR posted so now just owes Dec TR payment
341 on 1/5/23
conf on 1/18/23
Matter ResolvedRequest
Adjourment
821/18/2023 9:00 am22-18169 / CMGCandyce I. Smith-Sklar, Esq.Objection to Consent Order Doc #27Order to be Submitted
DEBTOR OBJ TO CONSENT ORDER RESOLVING PLAN OBJ AND TREATMENT OF NEW REZ

1/17/23(mk): email from dipos list- says resolved w/ an OTBS
Matter ResolvedRequest
Adjourment
831/18/2023 9:00 am22-18196 / CMGMarcia Y. Phillips, Esq.Motion Relief from Stay (Fee)Moot - Dismissed
LAKEVIEW LOAN (McCABE WEISBERG)
Matter ResolvedRequest
Adjourment
841/18/2023 9:00 am22-18432 / CMGSteven J. Abelson, Esq.Motion Relief from Stay (Fee)Granted
Debtor obj & brief; creditor response<>CRAIG WURTENBERG (NORGAARD O'BOYLE & HANNON)

1/18/23(mk): Creditor will submit the Order
>Creditor seeking permission to continue state Ct litigation
liability question /damages etc CMG will preserve (debtor's) abuse of process claim
Matter ResolvedRequest
Adjourment
851/18/2023 9:00 am22-18718 / CMGJohn Zimnis, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $500.00
MTN TO EXPUNGE CLM SANTANDER

mk:debtor says collateral was returned and debt discharged in a prior 7

>>MP on 1/18/23 HAS TERMS
Matter ResolvedRequest
Adjourment
871/18/2023 9:00 am22-18813 / CMGSteven J. Abelson, Esq.Motion CompelOrder Previously Submitted
1/9/23(mk): Order submitted Terms= cross motion for stay relief to Superior Ct is w/d. Debtro to file MP in 10 days to provided DSO priority for $6500 thru plan. If MP not filed settlement is null and void


12/21/22(mk); ct wants full st ct transcript- reply to cross motion- Need an interim order that stay in effect . Ableson brief in 3 weeks and adj Hearing to 1/18

Creditor Joseph Irianne & his counsel, Clarie Scully's Brief in opposition & Cross Mtn (Hanratty)<>MTN TO ENFORCE STAY
Matter ResolvedRequest
Adjourment
861/18/2023 9:00 am22-18813 / CMGSteven J. Abelson, Esq.Notice of Cross MotionOrder Previously Submitted
CROSS MTN FOR STAY RELIEF

1/9/23(mk): Order submitted Terms= cross motion for stay relief to Superior Ct is w/d. Debtro to file MP in 10 days to provided DSO priority for $6500 thru plan. If MP not filed settlement is null and void
Matter ResolvedRequest
Adjourment
881/18/2023 9:00 am22-18964 / CMGAndrew Thomas Archer Motion Relief from Stay (Fee)Granted
MK; LL not rec'd nov or dec and Jan due on Friday. Debtor says $ was overnighted - needs time to ck if $ was rec'd and will report back


Debtor obj; landlord response<>OAKS INTEGRATED CARE / Press Ave(CAPEHART & SCATCHARD)
LANDLORD


fyi:orig plan #5 was adj to 3/1. 341 now on for 1/26/23 and New MP before conf (#14 )on for 1/18 and is REC DISMISS CAUSE as of 1/11/23 NO PAYMENTS (0/2 arrears $1,206 and no 341
Matter ResolvedRequest
Adjourment
891/18/2023 9:00 am22-19098 / CMGNicholas Fitzgerald, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawn
MTN TO EXPUNGE IRS

**APOC FILED 1/10/23- Fixes Priority at 14,658.70-- THIS APPEARS TO ADDRESSTHE MOTION SO SOULD BE MAKED AS DENIED OR WD**
------------------------
MK: needs to serve IRS at the PA address on the POC

MP on 1/18/23>ISSUES/OBJECTIONS
Matter ResolvedRequest
Adjourment
901/18/2023 9:00 am22-19732 / CMGGeorge E Veitengruber IIIMotion SellContinued
2/1/2023 9:00 am

1/13/23(mk) Suppl objection by TR filed. This is adjourned
to 2/1/23

1/12/23(mk): received email from Court. Creditor contacted Court - had no notice of case (mk: creditor listed in petition and cert of service on Motion) this motion. Wants to object and requests the motion be adjourned.

MK: case status. NO 341 docs and initial hearing was on for 1/5/23 but could not be held.. Motion is free and clear of Liens of
a) Unsecured portion of IRS tax lien
b) Cores & Associates, LLC
c) United States of America/U.S. Department of Justice


6 RUSSELL CT
K Price: $400,000
Applications for realtor and atty filed

TR Obj: debtor's cert not sufficient- and order needs to have all NE proceeds to Tr & fill in parag 5 if applicable( Sch C claims $27,900 exemption Order is blank)- Supple Debtro cert filed- still not address abbotts on valuation


IRS filed a secured POC for 163,231.01 and priority $3,554. Moiton attempts to avoid IRS Unsecured
Matter ResolvedRequest
Adjourment
911/18/2023 9:00 am22-19768 / CMGGeorge E Veitengruber IIIMotion Reinstate StayGranted
MTN TO REINSTATE STAY

1/17/23: 341 docs uploaded today - and adj for 341 also submitted
mk: TR Objection: No change of circumstances set forth there are 3 prior cases and all dismissed

. No payments- 1 due now
1/3/23: plan and missing docs filed today.OCS was vacated
Matter ResolvedRequest
Adjourment
921/18/2023 9:00 am22-19811 / CMGKevin C. Fayette, EsqMotion Relief from Stay (Fee)Continued
2/15/2023 9:00 am

Debtor obj<>LANDLORD/ Seward Ave (RAS)
Matter ResolvedRequest
Adjourment
931/18/2023 9:00 am22-20214 / CMGAndrew B. Finberg, Esq.Order Shorten TimeGranted
>>OST<<
MOTION TO IMPOSE AUTOMATIC STAY

mk: timely filed. cert good and ful petition and plan filed
Matter ResolvedRequest
Adjourment
941/18/2023 10:00 am19-33730 / CMGJohn A. Lipowski Confirmation Hearing on Modified PlanConfirmedDebtor has made 8 of 26 required payments   Arrears: $0  
Total Paid In: $15,330.00
AS Of 1/10/23(mk):atty ok to terms

**CAN REC CONFIRM AT $15,330 PTD, Then $900 x 34 Begin 2/1/23 Base w/ min of $24,227 Due To Equity in Real and Personal property. Standard Order of Distribution**


- income higher due to 2021 tax refund $ 4556 prorated over 12 mos.(379.66 monthly) leaves total income at $12,049. Tr has reviewed support doc at #90 and will allow the expenses . This leaves dispos income of $964 p/m.
Equity T/h revised to total $24,227

--------------------

TRUSTEE OBJ:
1. The plan proposes to reduce trustee payment. Previously confirmed at 100%

2. (Received $1000) Arrears are $5670 from time mp was filed.

3. The debtor is not paying all disposable income into the plan pursuant to Schedules I & J for the following reason(s):

- Excessive expenses on Schedule J:
$1744.33 for childcare/education; $605.50 medical; $1882.44 co-debtor expenses (husband's expenses increase from $260 to $1882.44 per previous Schedule J) . (Proofs provided need to review with Staff Attorney)

Debtor - $293 Orthodontist; $1200 tutor; $90 per week physical therapy; and $416 private school

Husband - $74.63 Home Warranty; $66.08 auto insurance; $41.66 air conditioning; $8.22 tires;
$1231.47 transportation (Proofs provided show gas expenses of about $300 per month. Also provided repair bills which are one-time payments)
$250 hired driver for children (RECEIVED LETTER FROM DRIVER THAT HE CHARGES $30 ROUND TRIP 3 TIMES PER WEEK) (Is this ok?)

MP proposes $13,330 PTD, $500 X 38 Base
Plan has run 23 months with 37 months remaining
Arrears: $5670

RESOLVED ISSUES:
4. Need copy of 2021 Tax Return (RECEIVED)

Matter ResolvedRequest
Adjourment
951/18/2023 10:00 am20-11298 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledConfirmedDebtor has made 41 of 36 required payments   Arrears: $0  
Total Paid In: $28,452.00
AS OF 1/12/2023 (at): Atty ok to terms(mk)

RECOMMEND: $26,856 PAID TO DATE, $1,635 x 24 BEGINNING 2/1/2023, BASE


MP proposes: $1,596 x 28 beginning 10/1/2022, base
Arrears: $3,576 credit
(Increased trustee payment to account for post-petition mortgage arrears)
Matter ResolvedRequest
Adjourment
961/18/2023 10:00 am20-19654 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledConfirmedDebtor has made 18 of 29 required payments   Arrears: $0  
Total Paid In: $11,436.00
AS OF 1/12/2023 (at):

RECOMMEND: $11,436 PAID TO DATE, $280 X 31 BEGINNING 2/1/2023, LOAN MODIFICATION BY 5/1/2023, BASE
N/E PROCEEDS OF LAWSUIT DISPUTING WILL AND MEDICAL CLASS ACTION

1. Need updated proof of income. (RECEIVED)

2. Need amended I and J. (FILED)

3. Need 2021 tax return. (PER ATTORNEY, DEBTOR DID NOT NEED TO FILE TAX RETURN)

4. Status of debtor acquiring 3 lots in Virginia. (RECEIVED CERTIFICATION FROM DEBTOR - CLASS ACTION LAWSUIT IS STILL PENDING AND 3 LOTS IN VIRGINIA ARE ALSO IN LITIGATION WITH STEP SON)

MP proposes: $280 x 33 beginning 12/1/22, loan modification by 5/1/2023, base
Arrears: $2,700
(Due to additional attorney fees, the plan is no longer affordable at a length of 36 months.
$14,400. Thus ensuring that the general unsecured creditors receive the same dividend from the original confirmed plan.
The plan length was increased to 60 months total.
The plan payment was reduced to $280.00.)
Matter ResolvedRequest
Adjourment
971/18/2023 10:00 am21-15463 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanContinued
2/15/2023 10:00 am
Debtor has made 11 of 18 required payments   Arrears: $10,492.00  Total Paid In: $18,397.00
mk: atty requesting adj. to get payment for arrears and permanent LM agreement. Then will be a revised Order or permanent LM. adj to 2/15/23 to get it all sorted out w/ permanent LM Order and pay lower tier for plan


AS OF 1/12/23 (SF)

Debtors are not making payments. Last payment of $500 received in November. Arrears are currently $8769 thru December. Disposable income does not support increased tier.

1. Plan does not proposes to pay post-petition arrears to Bank United

2. Loss mitigation order expired on 12/20/22. Need proof of loan modification agreement.

3. Trustee Certification of Default scheduled for 1/18/23 at 9

4. Trustee objection:
- Modified plan treats Carrington Mortgage/Bank United as unaffected. There is no motion filed to
approve a loan modification and Schedule J has not been amended. (MP FILED)
- There are also arrears of $7047 through November.


MP proposes $1082.17 x 17, $880 x 5, $2073.08 x 38; Loan mod by 5/2023 or Sale of real estate by 11/2023
Plan has run 18 months with 42 months remaining
Matter ResolvedRequest
Adjourment
981/18/2023 10:00 am21-16849 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 15 of 17 required payments   Arrears: $0  
Total Paid In: $8,506.00
As of 1/11/23 (DS):


Need to confirm at $7,944 paid, $562 x 19 begin 2/1/23; Base with a minimum dividend $52,400 and reserve $51,816.20 NE equity on real property; Low Base
- Refinance on Outrigger Ln by 6/20/23.
- Section 5(b) to be stricken.
- Trustee standard order of distribution.

MP Prop $7,944 PTD; $562 x 20; Dollar Base $52,400 and Refi on Outrigger Ln by 6/30/23
- Debtor is bank on temporary disability. Plan extends time to refinance.
Matter ResolvedRequest
Adjourment
991/18/2023 10:00 am21-17475 / CMGGRAIG P CORVELEYNConfirmation Hearing on Modified PlanConfirmedDebtor has made 1 of 16 required payments   Arrears: $0  

1/10 workup for the 1/18 calendar EDC-atty ok to terms(mk)

Order to Sell granted on 12/16/22

MP $100 x 60; Begin 10/1/22 100% to gucs due to $90,000 in equity --trustee to get non-exempt proceeds from the Sale of E. Cliff St by April 1 2023-100%-Navient to be paid outside of the plan
-Santander mortgage to be at sale--use trustee standard order of distribution

-MP says sale by 12/22??
-student loans outside
Matter ResolvedRequest
Adjourment
1001/18/2023 10:00 am21-18712 / CMGBrian W. Hofmeister, Esq.Confirmation Hearing on Modified PlanContinued
2/15/2023 10:00 am
Debtor has made 12 of 14 required payments   Arrears: $431.00  Total Paid In: $5,039.00
1/18/23 : debtor say filed loan mod package - not using portal- looking for 30 days


PORTAL OPENED IMMEDIATLY
EWAGE 14 DAYS
CERFICATION OF DETOR WITH LENDER ACKNOWLEDGEMT OF COMPLETED PACKAGE AND UNDER REVIEW

1/10 workup for the 1/18 calendar EDC

Trustee objection:
-Behind on post petition mortgage payments. MFR by Fairways of Forsgate HOA -WITHDRAWN 11-16
-debtor is 4 payments in arrears(HAS CAUGHT UP NOW TO TRUSTEE)
-Trustee motion to dismiss for failure to LM. Response says he needs 60 days. Status? It has been 90 days since we filed the motion. Case is 12 months old.



MP $430 X 60 BEG 12/2021; 100% LM by 1/31/2023
Matter ResolvedRequest
Adjourment
1011/18/2023 10:00 am21-19470 / CMGDonald C. Goins, Esq.Confirmation Hearing on Modified PlanPlan DeniedDebtor has made 12 of 13 required payments   Arrears: $0  
Total Paid In: $3,540.00
1/17/23(mk): per atty mark Plan Denied - mp in 14 days( to sell prop)

As of 1/10/23(mk):email to atty

1. Objection by Fay Serv/ Wilmington( Friedman V)( on the Hampton Ct property)
Plan fails to pay arrears

>IS TR PAYING ARREARS PENDING LM?

MP proposes$295 X 60; (LM ON 119 S. HAMPDEN CT BY 3/2023); 100%. Plan filed to extend LM date

---------------------
Prev confirmed at:- $1,770 PD TO DATE (8 MOS) $295 X 52 BEGIN 9/1/22; 100% (MIN $22,297 TO GUCS DUE TO NE EQUITY
PAY AJAX 3-1 (NIP)
COTBS RESOLVING WILMINGTON OBJ W/IN 30 DAYS
LM W/WILMINGTON 2-1 BY 11/1/22
PAY PENDING LM
Matter ResolvedRequest
Adjourment
1021/18/2023 10:00 am22-11147 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 10 of 11 required payments   Arrears: $0  
Total Paid In: $1,000.00
Need to confirm at $1,000 paid, $100 x 1 begin 2/1/23; $1,250 x 48 begin 3/1/23; Base with minimum dividend $28,870.64 to gucs due to non-exempt equity and Refinance Halliard Ave by 5/1/23, arrears to be paid pending refinance (Low Base)

MK: atty says will do refi( By 5/1/23- pay arrears pending REfi) so remove LM- needs to address other issues. dbetor still unemployed but gets greater contibutions from family

As of 1/12/23 (DS): 1. Mod plan fails to explain on Section 9 reason for modification. Also mod plan does not propose to pay order entered 10/3/22 post-petition arrears $4,192.73 and mortgage attorney fees $960.80. If not paying will need order not to pay post-petition arrears.

2. Attorney fee app filed 1/4/23 for $800, which is not in plan, but proposed order has to be paid through plan.

3. Per confirming order dated 6/16/22, Debtor is to amend Sched I and provide 2 months recent proof of income by 12/15/22, which has not been done. AMENDED SCHED I & POI PROVIDED 1/17/23

MP Prop $100 x 12 begin 3/1/22; $1,250 x 48; Base and Refi on Halliard Ave by 5/1/23
- Mod plan gives no reason why filed, but seems to remove loan mod and adds refinance.
Matter ResolvedRequest
Adjourment
1031/18/2023 10:00 am22-11353 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 12 of 11 required payments   Arrears: $0  
Total Paid In: $1,800.00
1/11 workup for the 1/18 calendar

sale closed-MP filed $150 x 36 begin 3/1/22; BASE--All non-exempt proceeds to Trustee from potential claim against Violent Crimes Compensation Board and separate potential malpractice claim--Strike cramdown provision with Wells Fargo--Claims of 1900 Capital Plus and Wells Fargo paid outside from sale with attorney to provide proof of payment within 30 days



-Can confirm once below is answered. Looks like no one left to pay but attorney but MP does not have any attorney fees. What about the 5/4/22 order for 1202.69 and 9/21 order for $11,876.75?. Did attorney get paid? YES PER EMAIL

- CO submitted resolving New rez obj to conf below.Terms=debtor to cure arrears 17,277.41 and further pay off & satisfy the loan via sale of the property by 11/21/22. ---THE HUD IS HOLDING $364,244 IN ESCROW FOR THEM. WAS THAT PAID OFF? YES PER EMAIL

- Plan calls for cram of Wells 3rd mortgage but per the HUD the full amount was already paid-WE SHOULD STRIKE THIS PROVISION

----------------------------------
MK;FYI OST Motion to sell on 8/17/22. K price $791,000.($801,000- 10,000 credit that reduced sale price- no equity per claims filed but motion has payoff amts less than claims.. and no one left to pay if sale closes as only creditors are the 3 mtgs .

8/8 workup EDC
801,000 IN ATTY REVIEW- CLOSING SET FOR AUGUST FIRST WEEK- SO ADJ TO 8/17/22 FOR CLOSING TO OCCUR---****ONLY CREDITORS ARE THE MORTGAGES


* motion for retention filed

* NewRez LLC d/b/a Shellpoint Mortgage Servicing (Hill Wallack) objection to confirmation - need to resolve
- pre petition arrears $328,868.94
- plan fails to provide for adequate protection payments pending sale of the property

* Trustee objection to confirmation:

--- Add Violent Crimes Compensation Board and separate potential malpractice claim to schedules.
--- Need to file a Modified Plan that adds all mortgages on real property. The current Plan does not specify treatment of of all mortgages on rea
Matter ResolvedRequest
Adjourment
1041/18/2023 10:00 am22-11376 / CMGJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 11 required payments   Arrears: $0  
Total Paid In: $68,546.00
ISSUES AS OF 1/12/2022 (DM): updated 1/17/23.

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $20,141.04 PTD, $48,405.40 LUMP SUM PAYMENT FROM SALE OF EVERETT ROAD PROPERTY BY 1/31/23, 100% PLAN WITH $67,000 THRESHOLD PRESERVED, STUDENT LOAN POC (6-1) SHALL BE TREATED OUTSIDE THE PLAN, FEE APPLICATIONS FOR JONATHAN GOLDSMITH-COHEN BANKRUPTCY ATTORNEY FEES AND I. MARK COHEN REAL ESTATE ATTORNEY FEES TO BE FILED WITHIN 10 DAYS***

1) United Teletech (Michael DuPont) - 2nd mortgage obj to plan propose Adequate Protection of $481.20, but not paid (SALE MOTION GRANTED - SHOULD CLOSE BEFORE THE END OF JAN).

 Motion to Allow Late Claim of United Teletech (DUPONT) scheduled for 10/19/22 - proposed order does not address adequate protection payments in the plan (dm)

2) Plan propose to pay $1,500 Adequate Protection to Capital Mtg Services (MP REMOVES AP PAYMENTS - SALE SHOULD CLOSE BEFORE THE END OF JAN).

 Consent Order (Doc #40) with Capital Mtg Svcs (LOGS) entered - sale by 1/15/23, but order is silent as to treatment of pre-petition arrears pending the sale (dm)

3) Trustee OBJ:
- There is disposable income of $4,360 to pay off plan sooner.
- There is $185,535 non-exempt equity in real estate (100% PLAN).
- Need to file Pre-Confirmation Certificate.


Prop. Plan $2,202 x 8, $841.68 x 3, 100% Plan
- sale of Everett Rd pending
- student loans POC (6-1) treated outside
PTD 11/11 = $20,141.04
Last Claim (11-1)
Matter ResolvedRequest
Adjourment
1051/18/2023 10:00 am22-12915 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 9 of 9 required payments   Arrears: $0  

MP #28 filed 1/13/23

As of 1/5/23(mk):

Work up on plan #32

1. Objection by Bank Of NY Mellon(McCalla):
- plan fails to address arrears . Plan has LM and unaffected. not feasible

- TR Objection: Notes from last plan that was denied said MP to treat Mtg Outside and creditor free to seek stay relief. THIS PLAN SAYS DOING LM THROUGH THE PORTAL AND EXTEND TO DEADLINE TO 7/2023 AND CREDITOR OBJECTS AGAIN. Debtor has been turned down multiple times for a LM

--Still need to resolve IRS estimated Priority claim. Case is 9 mos old

- IRS has secured claim for 81,008.89 and
unsecured fixed claim is 222,790.11 and this new plan says 100%. Pan says reached a settlement and paying IRS 24,000 outside of plan. No proof of agreement provided



Plan: $500 X 60 BEG 5/2022; LM BY 7/2023 (10 LIVINGTON CT); 100%
8/9 payments.
Matter ResolvedRequest
Adjourment
1061/18/2023 10:00 am22-13449 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledMoot - DismissedDebtor has made 2 of 9 required payments   Arrears: $0  
Total Paid In: $2,000.00
AS OF 1/12/2023 (at):

ARREARS $6,191. TRUSTEE MOTION TO DISMISS 1/18/2023.

1. Part 9 of the modified plan is blank. Need explanation as to how/why the plan is being modified.

2. Plan does not propose prompt cure of rental arrears.

3. Modified plan is not feasible as proposed payment will not cure Wells Fargo lease and rental arrears.

MP proposes: $1,500 paid to date, $250 x 6, $3,417 x 12, $331 x 35 beginning 1/1/2023, base
Arrears: $6,191
Matter ResolvedRequest
Adjourment
1071/18/2023 10:00 am22-13749 / CMGRichard F. Fried, Esq.CONFIRMATION HEARINGConfirmedDebtor has made 3 of 8 required payments   Arrears: $400.00  Total Paid In: $1,200.00
**MP FILED ON 12/21 - atty ok to terms(mk)

**CAN RECOMMEND CONFIRMATION AT:
$1200 PAID THEN $400 X 53 BEG 1/1/23 - 100% (MINIMUM OF $37,668 TO GUCS)-STUDENT LOAN CLAIMS PAID OUTSIDE OF THE PLAN-LOAN MOD BY6/30/23-USE TRUSTEE ORDER OF DISTRIBUTION

AR RESOLVE OR HOLD
1/10 Workup for the 1/18 calendar EDC

proposed MP $1200 paid then $400 x 53 beg 2/1/23 LM by 6/30/23

--motion for loss mit on for 1/18 also-no objection. If granted debtor would have 90 days so LM by 4/20/23

1. Trustee obj to the following:
--- Need balance statements for Debtor's 401(k) loan, prior to filing date. RECEIVED-ONE LOAN ENDS IN OCTOBER 2023 AND WILL INCREASE INCOME BY $175 MONTHLY
--- Disposable income verifies $797 and tax refund $1,076 was not listed on Sched I when determining disposable income.(Mk: she did not get the refund- IRS took it BUT IT STILL NEEDS TO BE ADDED GOING FORWARD)
--- There is non-exempt equity in real property $37,668.59. There are only around $16,000 in non-student loan claims filed


2. US Bank/Rushmore (ROMANO GARUBO & ARGENTIERO) obj to original plan but NO OBJ to modified plan

proposed 12/21 MP $1200 paid then $400 x 53 beg 2/1/23 LM by 6/30/23

------------------------------------
resolved issues:
--- Must file Pre-confirmation certificate.--FILED WITH COURT
Matter ResolvedRequest
Adjourment
1081/18/2023 10:00 am22-15172 / CMGBrian W. Hofmeister, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 66 of 7 required payments   Arrears: $3,200.00  
mk: debtor says LM status is pending- all doc in

AS OF 1/12/2023 (at):

CASE HAS BEEN PENDING SINCE 6/27/2022, ARREARS ARE $3,200.

1. Objection by JP Morgan Chase (Fein Such) - failure to cure arrears of $151,081.89. (UNRESOLVED)-mk: parties will confer and try to resolve

2. Plan proposes a loan modification and/or refinance by 1/31/2023. Cannot propose both. (UNRESOLVED)- atty says LM

3. Trustee's objections:
- Need to resolve objection by JP Morgan Chase. (UNRESOLVED)

RESOLVED ISSUES:
- Proof of service on US Small Business Administration and Sunrun Service Transfer Associate needs to be to the attention of an officer or managing agent. (AMENDED CERT OF SERVICE FILED)
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - Policy provided expired on 7/18/22. (RECEIVED)
- Need proof of insurance for the 2016 Toyota and the 2017 Ford. Policy provided
expired on 8/1/22. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,416.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
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 $33,580 in non exempt equity in the bank accounts. Needs to be 100% plan. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)

Modified Plan before confirmation proposes: $200 x 57 beginning 12/1/2022, loan modification or refinance by 1/31/2023, base
Arrears: $3,200
Matter ResolvedRequest
Adjourment
1091/18/2023 10:00 am22-15255 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledWithdrawnDebtor has made 7 of 7 required payments   Arrears: $0  

This Plan should be Denied/Withdrawn - MP filed and scheduled for 2/15/23

ISSUES AS OF 11/23/2022 (DM):

1) IRS filed $1,874.10 amended priority claim not treated in the plan (OKAY TO ADD?? - Yes)

2) State of NJ filed $4,507.97 priority claim that includes estimated taxes for 2019 not treated in the plan (UNRESOLVED).

3) State of NJ filed a general unsecured claim that includes estimated taxes for 2017 (UNRESOLVED).

4) Trustee OBJ:
- Need proof of insurance for 2021 Kia - debtor is co-signor (VEHICLE IS BEING SURRENDERED IN PLAN).
- There is $1,627 non-exempt equity in the bank account.
- Need to file Pre-Confirmation Certification (FILED).


Prop. Plan $500 x 48, Base Plan
- Loan Mod 6 months
PTD 5/5 = $2,500
Last Claim (1-2)
Matter ResolvedRequest
Adjourment
1101/18/2023 10:00 am22-15391 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $5,118.00
1/18/23Mk: orig work up had 55 mos WS has 54 it 54 so i corrected it

Can the debtor make the January payment? NOT THE FULL PAYMENT
Certification (FILED 1/16/22) addressing feasibility of payment needed in the terms below.

ISSUES AS OF 1/13/2023 (DM): updated 1/18/23.

***TO CONFIRM THE DEBTOR NEEDS $5,118 PTD, THEN $2,141 x 54 STARTING 2/1/23, 100% PLAN WITH $57,762 THRESHOLD PRESERVED, OTBS BY CITY OF PERTH AMBOY***

12/30/22(mk): CO submitted that pays full amount of $11,866.83 through the plan. Note that this amt is different than the POC in the full amount of $11,874.84 - I questioned that and will confirm the amount once I have an answer. MK: reply was that the $11,866.83 in the CO is correct amount.

MK: if able to confirm - needs TFS and needs to submit a Cert in support of Conf. and feasibility.

1) City of Perth Amboy (MCMANIMOM, SCOTLAND & BAUMANN) OBJs - $8,992.69 tax lien (OKAY TO PAY HIGHER CLAIM?? - OTBS)

2) US Bank/PC8 Firstrust (SHANNON BURRINI) OBJs - $11,874.84 tax lien (CONSENT ORDER ENTERED).

3) JPMorgan Chase (MCCALLA RAYMER) OBJs - $55,901.67 arrears not paid pending a proposed Loan Mod (CONSENT ORDER ENTERED).

4) Trustee OBJ:
- Debtor has exceeded the 522(d)(5) exemption based upon the use of the entire 522(d)(1) exemption. The case must remain a 100% case.
- There is non-exempt equity in residence $51,315 and $6,447 in bank accounts with a total of $57,762 (100% PLAN).
- Need to file Pre-Confirmation Certificate (FILED).
- Tax refund of $1,786 was not included on Sch I.


Prop. Plan $853 x 60, 100%
- Loan Mod 90 days from Conf
PTD 5/6 = $5,118
Last Claim (8-1)
Matter ResolvedRequest
Adjourment
1111/18/2023 10:00 am22-15649 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 2 of 6 required payments   Arrears: $1,576.00  
MP in 14 days

AS OF 1/12/22 (SF)

AR BAD START WITH TR PAYMENTS REQUIRE EWAGE

1. Debtor is not current with payments. Received 4 of 6 and arrears are $1576

2. Plan proposes 100% but general unsecured creditors total $210,117.42. The modified plan does not state that student loans will be paid outside plan. (mk: yes outside) Plan is not feasible


Plan proposes $1200 PTD, 788 x 32 100%
Payments: 4/6 Arrears: $1576

RESOLVED ISSUES:
Trustee objection:
The debtor has insufficient income . Verified income leaves monthly disposable income of -$308.00. (Schedules I and J were amended)
Need to file Pre-Confirmation Certification.
Need to resolve the bifurcated claim filed by Navy Federal Credit Union.

Matter ResolvedRequest
Adjourment
1121/18/2023 10:00 am22-15796 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $2,262.00
Recommend confirming at $754 x 60 begin 11/1/22; 100% to gucs and motion or consent order to allow Trustee to pay late filed claim with US Bank Truist within 60 days

MK ; use terms and add Motion or Co with LL with in 60 days

As of 1/17/23 (DS): 1. Trustee obj that Plan fails to provide for prompt cure of rental arrears.

2. Bar date has passed and no claim filed by US Bank Truist (landlord).

Prop Plan $754 x 60 begin 11/1/22; Dollar Base $15,000
Note: Excessive expenses moot, since half income is social sec and when deducting the social sec there is no income, but with all income verifies $2,030. 401(k) loan balance statement provided ends in month 13, income is half social security and there would not be any disposable income.
Matter ResolvedRequest
Adjourment
1131/18/2023 10:00 am22-15920 / CMGAndrew B. Finberg, Esq.Confirmation Hearing ScheduledContinued
2/1/2023 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $350.00  
1/18/23 mk; made 2 payments yesterday. sch B amended sav acct closed prior to filing. says sent over updated comps for home in dec.

AS OF 1/17/2023 (at):

1. Objection filed by JP Morgan Chase (McCalla) - plan does not propose to cure arrears of $5,425.22 (Per POC). (RESOLVED - PAY PER POC)

2. NON EXEMPT PROCEEDS IN THE AMOUNT OF $21,275 FROM LAWSUIT AGAINST STAR SPRINKLER ARE TO BE TURNED OVER TO THE TRUSTEE WITHIN 10 DAYS OF CONFIRMATION.

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- 2 months bank statements from WSFS Bank savings acct, prior to filing date. (NOT RECEIVED)
- The circumstances and contents of the debtor's Plan, when taken in their totality,
indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a) (3).
- Plan fails to provide for non-exempt equity.
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 estimated non-exempt equity in real property pending updated comps and CMA, WSFS Bank acct $931.93, WSFS savings acct pending proof of bank statements and insurance proceeds from lawsuit pending settlement agreement. (RECEIVED LETTER FROM REALTOR STATING THE PROPERTY STRUCTURAL DAMAGES - CMA OK)
- Need settlement agreement from lawsuit and proof of funds on hand 7 days before confirmation. (RECEIVED - SETTLEMENT WAS $30,000)
-Trustee disputes debtor's valuation of the real property. CMA has only 2 comps for
10/22/21 and 11/24/21 values $190,000. Zillow has lowest $338,000 - $401,000, using lowest there would be non-exempt equity in real property $68,434.19. Trustee requires update CMA with comps in the last 6-8 mos. from the filing date

RESOLVED:
- Must file Pre-confirmation certificate. (FILED)
- Must resolve creditor objection. (RESOLVED)

Plan proposes: $350 x 60 beginning 8/1/2022, base
Payments: 3/6, arrears $1,050
Matter ResolvedRequest
Adjourment
1141/18/2023 10:00 am22-15971 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $3,678.00
1/13 workup EDC - Atty ok with terms

***CAN CONFIRM AT: $3065 paid then 630 x 54 beg 2/1/23-min of $30,425 to unsecured due to equity-Use trustee order of distribution--student loan claims paid outside of plan
--debtor is surrendering interest in real property

motion to reclassiby TD Retail from secured to unsecured on for 1/13 also, no opp

MP plan filed surrenders real property--- $613 X 60 BEG 8/2022; MIN $30,425


12/19/22 - Atty just filed a modified plan.(sf )on for 1/18/23. That plan surrenders the real property

12/14 Workup for the 12/21 calendar EDC

**attorney did not resolve previous issues. Needs to either confirm or dismiss on 12/21

CONFIRM $3065 paid then $773 x 55 beg 1/1/23---min of $30,425 TO to gucs (--$21460 equity) plan will use trustee order of distribution--trustee will pay mortgage arrearage claim 21-2 and TD Retail claim 4-1S--pre-conf cert in 7 days--student loan claims paid outside of plan

1) CSMC 2020-R (McCalla Raymer) objection to confirmation - need to resolve
-arrears $33,922.93--AMENDED CLAIM FILED SHOULD RESOLVE THIS
2) Trustee objection to confirmation - need to resolve
-CSMC 2020-RPL6 Trust (McCalla Raymer) objection to confirmation, need to resolve
-Equity in real property as of now is $21,460.38. Plan proposes dividend of $30,435
-must file pre-conf certification -NOT FILED TO DATE
3) TD Retail card services filed secured claim $3,643.01 - not treated in plan - need to resolve

proposed plan $613x60 minimum $30,425
last claim $2452
last claim 22
--------------------
RESOLVED:
-car insurance expired, need renewal- RESOLVED, PROVIDED RENEWAL CARD
-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). WILL USE ORDINARY DISTRIBUTION ORDER
Matter ResolvedRequest
Adjourment
1151/18/2023 10:00 am22-16141 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

Debtor reply #58(MK): doesn't solve the objection
filed amended I & J and now show 10,994 is dispos income

needs Motion to approve a settlement has to be filed in main case and adv pro . Improper classification of guc to priority etc

As of 1/10/23(mk):

This is work up on plan #50

NEED SETTLEMENT DOC W/ Subsidum Healthcare LLC

1. Objection By Leslie Zieman(Perlman's office) mk: MRF was granted so that can go back to st. ct)
- wants indemnification on tax liability
objects to language in part 10 that all her claims are not affected by the plan and that all claims
against her w/ IRS & St Of NJ

2. Trustee Objection:
- objects to all of the non std lang in Part 10
- need copy of settlement agreement for treatment of
Subsidium Heatlhcare LLC
- unequal classification of this debt. No notice to other secured and priority creditors of the unequal treatment
- Plan is NOT FEASIBLE. To fund plan would need monthly payments of $9,312 begin Feb.

Plan: ptd 4300 x 56 Base
4/5 payments

Plan: PTD, Then $4300 x 56 Base
4/5 payments
Matter ResolvedRequest
Adjourment
1161/18/2023 10:00 am22-16232 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

As of 1/12/23 (DS): Debtor attorney requested adjournment, adjourned peremptory, no further adjournments
Matter ResolvedRequest
Adjourment
1171/18/2023 10:00 am22-16253 / CMGGeorgette Miller, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 1 of 5 required payments   Arrears: $2,800.00  
mk: MP in 14 days- made payments needs to post

As of 1/13/23 (DS): 1. Mod plan increases Trustee payments to $3,600 for 56 months, but Debtors did not make the new payment to begin 1/1/23.

2. Mod Plan has IRS claim on Section 7a motions to avoid lien, amended claim filed $0 secured owed. RECOMMEND STRIKING SECTION 7A AS TO IRS.AND PAY POC AS AMEMDED

3. Trustee obj still not resolved.
- Pay stub for first pay period in July;
- Pension loan balance statement prior to filing date;
- Service to motions in plan to State of NJ. RECOMMEND STRIKING SECTION 7A AND PAY CLAIM.
- Must amend Sched A/B 17.1-17.4 to provide bank acct balances.
- Provide supporting information of this transfer for Trustee review. On 8/3/22 $35,709.38 was deposited in acct #2055, appears to be an annuity acct. On 8/4/2022 $30,000 was deposited into savings acct #3246.
- Excessive expenses on Sched J such as car payment $710,
- Based on statements provided TD Bank accts have the following balances: #2055
$57.48 as of 8/20/22; #1414 $1,875.71 as of 7/10/22; #7593 noted on 5/7/22 acct closed; #3246 $24,400 as of 8/24/22.
- Debtor's atty works for a new firm different firm than when she filed this case. Need Substitution of Attorney and written confirmation as to who will receive the fees to be paid through plan. If new firm, will require written consent from old firm.

LM was denied- so Mp filed #30 and hearing date 1/18/23- but that still has LM - so needs to be w/d and file another plan

As of 12/6/22 (DS): Mod plan filed 12/5/22, must request adjournment via Court Solutions.

11/29/22 (DS): 1. Trustee obj to the following:
- Need the following docs: 1. Pay stub for first pay period in July; 2. Pension loan balance statement prior to filing date; 3. Service to motions in plan to State of NJ.
- Must amend Sched A/B 17.1-17.4 to provide bank acct balances.
- On 8/3/22 $35,709.38 was deposited into acct #2055, appears to be an annuity acct. On 8/4/2022 $30,000 was deposited into savings accoun
Matter ResolvedRequest
Adjourment
1181/18/2023 10:00 am22-16336 / CMGBrad J. Sadek, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 5 required payments   Arrears: $2,064.00  Total Paid In: $5,842.00
AS OF 1/12/23 (SF)

RECOMMEND $5842 PTD, $2064 X 56 (BEGIN 1/1/23) 100% PLAN W/MIN $14,605 TO GUCS
- PRESERVE N/E OF $11,952 FOR AUTO IN CONF ORDER.

Note: Plan requires 100% due to excess disposable income.


1) Trustee OBJ:
- Proof of income verifies higher resulting in $3,853 monthly disposable income.
- There is $11,952 non-exempt equity in the 2018 Mercedes.


Prop. Plan $1,007 x 2, $1,914 x 57, Min Div $14,605.53
- Loan Mod by 1/2023
PTD 3/4 = $3,928
Last Claim (6-3)

***RESOLVED ISSUES***

A) Caliber Home Loans (STERN E) OBJs - $7,333.88 arrears on Bisbee Dr property (MP PAYS).

B) Bridgeview Place Condo Assn (Clemons Richter & Reiss) OBJs - plan proposes inadequate payments to Bridgeview for prepetition arrears (OBJ WITHDRAWN).

C) Trustee OBJ:
- Need amended Sch I for updated rental income (AMENDED).
- Tax refund of $681 was not prorated and included in disposable income calculation (AMENDED).
- Need homeowner's insurance renewal with liability coverage for both properties (RECEIVED).
- Need proof of insurance for both Mercedes listed on Sch B (CERT 10/18/2022 STATES THIS VEHICLE IS NOT RUNNING, NOT REGISTERED AND THEREFORE NOT INSURED).
- Need to resolve estimated IRS tax claim (AMENDED).
- Need a statement for the TSP loan (CERTIFICATION THAT THE LOAN HAS BEEN PAID IN FULL SINCE MAY 2019 AND THERE IS NO REMAINING BALANCE).

- Need CMA for Bisbee Dr property with comparables. CMA provided 10/17/22 are dated between 10/20/20 and 7/27/21 - the Petition was filed 8/1/22 and the comps should be within 6 months of filing. The dates provided do not represent the current market prices. (mk: uploaded recently- it has details)

- Carrington Mtg/Wilmington Savings (HILL) - $43,501.95 arrears on New St property (UNRESOLVED). mk: obj was w/d b/c Lm was obtained)
- Attorney fees in the plan ($3,063) and the Disclosure Statement ($4,750 - $1,887 equals $2,863) do not agree - Amended Disclosure math is still incorrect (UNRESOLVED). mk Filed on 1/2/23
- There is $23,654
Matter ResolvedRequest
Adjourment
1191/18/2023 10:00 am22-16411 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $1,622.00
AS OF 12/27/2022 (at):

RECOMMEND: $324 x 60 BEGINNING 9/1/2022, LOAN MODIFICATION BY 2/28/2023, 100% TO UNSECURED CREDITORS
Claims will be paid according to the Trustee's order of distribution.
Preserve non exempt equity of $11,764.00 in real estate.

1. Objection filed by Nationstar Mortgage (Schiller, Knapp) - failure to propose repayment if loan modification is not successful. (MODIFIED PLAN RESOLVES OBJECTION AND NO OBJECTION TO MODIFIED PLAN)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Amendments to Schedules B and C to amend year of 2000 Honda to 2005 Honda Pilot (OK - 100% PLAN)
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):
- As of now, there is estimated non-exempt equity in real property $11,764. (LANGUAGE ADDED)
- 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). (LANGUAGE ADDED)
- Must resolve creditor objection. (RESOLVED)
- Must file Pre-confirmation certificate. (FILED)

Modified Plan before confirmation proposes: $324 x 60 beginning 9/1/2022, loan modification by 2/28/2023, 100% to unsecured creditors (BAR DATE PASSED AND GUC'S ARE $0)
Payments: 4/4
Matter ResolvedRequest
Adjourment
1201/18/2023 10:00 am22-16636 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanContinued
3/1/2023 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

1/11 workup for the 1/18 calendar EDC

* Deutsche Bank (RASC) objection to confirmation, OTBS

**Trustee objection:
---The debtor has insufficient income income verifies $ -236.53.. PER ATTORNEY THE DEBTOR IS EXPECTING $1150 FOR DISABILITY SOON
---Amendments to Schedules G to add Toyota Lease, also arrears claim filed $549.80. OK TO PAY PER EMAIL BUT G STILL NEEDS TO BE FILED
---The Schedules fail to account for the debtor(s) tax refund in the amount of $2,532 when
determining disposable income.
--- Need outcome of adversary proceeding filed by Dorota Golczewski. Her DSO claim is $12,269.08
----adversary seems to be filed to question ability to pay bankruptcy, PPP loans and if business are operating

* Toyota filed a claim form $549.80. OK to pay? YES
* Keystone did not file a claim. Trustee cannot pay unless a claim filed.

12/13 mp plan proposes: 200 x 6 beg9/1/22 then 975 x 54 beg 3/1/23


Matter ResolvedRequest
Adjourment
1211/18/2023 10:00 am22-16648 / CMGKevin C. Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $0  
Total Paid In: $2,610.00
ISSUES AS OF 1/13/2023 (DM):

***If Motion to Expunge is granted at 9 AM, TRUSTEE RECOMMENDS CONFIRMATION AT $2,310 PTD, THEN $800 x 32 STARTING 2/1/23, 100% PLAN***

1) Capital One Auto filed a $646.44 arrears claim on a 2016 Chevy Suburban not treated in the plan (PENDING MOTION TO EXPUNGE).

2) AmeriCredit (MORTON) OBJs - plan fails to treat the creditor. POC filed disclosing that debtor and spouse purchased 2018 Chevy Suburban on 8/13/22 - owe $68,183 with no arrears, monthly payment is $1,004.64 (MP TREATS AS SECURED UNAFFECTED).

3) Trustee OBJ:
- There is $1,029.68. disposable income (100% Plan).
- Case is above median and there is disposable income of $814.91, which would require minimum dividend of $48,894. Plan is proposing 100%. Recommend waiting past the Bar Date.


Prop. Plan $352.50 x 4, $800 x 35, 100% Plan
PTD 5/5 = $2,310
Last Claim (20-1)
Matter ResolvedRequest
Adjourment
1221/18/2023 10:00 am22-16687 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
3/1/2023 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

Confirmation adjournment was provided 1/13/23 to allow time to resolve objection

As of 1/12/23 (DS): 1. Trustee obj to the following:
- Need balance statements on 2 TPA loans prior to filing date.
- 22c has disposable income $1,416, which would require minimum dividend $84,960 to gucs.
- Verified disposable income is $1,092.95, tax refund $4,998 is not on Sched I. This does not deduct the excessive expenses on Sched J.
- Excessive expenses on Sched J such as: 2 car payments $200 and $400, medical expenses $461, and support for nephew and niece in Ghana $350.
- Must file Pre-confirmation certificate.

2. No service to motions in plan.

3. Middlesex Builders filed claim for $6,514052 with priority $3,025. Must resolve claim.

4. Capital One (2018 Toyota) filed arrears claim $1,468.46. Plan list as outside. Claim needs to be paid or move against.

Prop Plan $200 x 60 begin 9/1/22; Base
Matter ResolvedRequest
Adjourment
1231/18/2023 10:00 am22-16780 / CMGAndre L. Kydala, Esq.Confirmation Hearing ScheduledContinued
3/1/2023 10:00 am
Debtor has made 1 of 5 required payments   Arrears: $550.00  
As of 1/12/23 (DS): Debtor attorney requested adjournment, 341 sched 1/26/23


Matter ResolvedRequest
Adjourment
1241/18/2023 10:00 am22-16846 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $650.00  
mk: trying to resolve issue w/ selling Prop- debtors rethinking plan-


AS OF 1/17/2023 (at):

1. Objection filed by NewRez/Shellpoint (Robertson Anschutz) - failure to cure full arrears of $239,383.89 (Per POC). Plan is speculative and the creditor wants proof of efforts to sell property. (UNRESOLVED)

2. The NJ Division of Taxation filed an estimated priority claim #2 which needs to be resolved/amended. (STILL ESTIMATED)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - for contributions as they are the total source of funding for the plan (NOT RECEIVED)

RESOLVED ISSUES:
- Need proof of disability income within 6 months of confirmation. (LANGUAGE ADDED)
- any non exempt proceeds from sale of property to be paid to trustee. (LANGUAGE ADDED)
- non exempt equity ,if any,for possible inheritance to be paid to trustee (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 $5,291 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $8,275 in non exempt equity in the 2017 Harley Davidson FXDLS Dyna, there is $18,880 in non exempt equity in the 1965 Harley Davidson FLB and $2,600 in non exempt equity in the 2002 GMC Sierra. (LANGUAGE ADDED)
The debtor has undertaken an improper use of exemption. Specifically:
- Debtor used the D2 exemption on two separate vehicles. Only allowed to be used once.
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $650 x 60 beginning 9/1/2022, sale within 6 months of confirmation, base
Payments: 4/5, arrears $650
Matter ResolvedRequest
Adjourment
1251/18/2023 10:00 am22-16975 / CMGJacqueline R. Rocci, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 4 required payments   Arrears: $5.00  Total Paid In: $2,060.00
AS OF 12/27/2022 (at):

RECOMMEND: $1,545 PAID TO DATE, $520 x 57 BEGINNING 1/1/2023, BASE
Need to file Pre-Confirmation Certification within 10 days of confirmation.

1. American Honda filed a secured claim #2 for a 2022 Honda CRV which is not in the plan. What is the debtor's intention for this vehicle? (SURRENDERED IN MOD PLAN)

2. Trustee's objection:
- The debtor has insufficient income.
The debtor has failed to supply the Trustee with the following document (s):
- Need proof of insurance for the 2020 Honda and the 2008 Hyundai. (ONLY RECEIVED PROOF OF INSURANCE FOR THE 2020 HONDA)
- A Modified Plan that surrenders 2022 Honda per Debtor's Certification. (MOD PLAN FILED)
- Need to file Pre-Confirmation Certification. (NOT FILED)

Plan proposes: $515 x 60 beginning 10/1/2022, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1261/18/2023 10:00 am22-16994 / CMGCamille J. Kassar, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 01/12/23 (SF) Plan withdrawn. MP to be filed within 14 days

1. Objection filed by Mortgasge Assets Management (Jennings) - The Plan proposes to refinance the reverse mortgage which is the subject of Secured Creditor's claim, however the debtor is an heir, therefore loss mitigation is not an option for a reverse mortgage. (MUST RESOLVE) NEED STATUS OF REFINANCE WHICH WAS TO TAKE PLACE BY 12/30/22 (LOAN HAS BEEN SATISFIED)

2. Acar Leasing filed claim with zero arrears for 2018 Chevrolet Cruze but lease is not assumed in plan

3. Proposed payment will cover claims at 100%

4. Trustee objection:
-excessive expenses on Schedule J: $1,000/utilities; $430/food 1 person

-The debtor needs to turn over all refinance proceeds to payoff the plan at 100% within 30
days.

- The debtor owns a 1/3 interest in the Englishtown property. His equity interest is
approximately $128,000 requiring a 100% plan. (CLAIM FILED. THERE IS NO EQUITY)
Debtor testified at the 341 that there is no mortgage but there is a reverse mortgage

-need to file Pre-Confirmation Certification with Court (STILL NEED)


Plan proposes $200 x 60 Refinance by 12/30/22
Payments: 4/4

RESOLVED ISSUES:
- Need a copy of the last filed tax return - or certification of non -filing (Letter provided, not required to file due to no income)


Matter ResolvedRequest
Adjourment
1271/18/2023 10:00 am22-17041 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 1/12/23 (SF)


1. Objection filed by US Bank (Sarah McCaffery) - failure to pay arrears of $32,274.95 pending approval of loan mod and proposed date for loan mod is too long. (MUST RESOLVE)

2. Trustee Objection:

- The Schedules fail to account for the debtor(s) tax refund in the amount of $220 when determining disposable income.
- The current Plan does not specify treatment of the IRS priority claim 2-1 for $516.95 under the Plan. (OK TO PAY?)
- The Plan fails to provide for a prompt loan modification completion date.
- There is $97,025 in non-exempt equity in the residence. (100% PLAN)
- Need to file Pre-Confirmation Certification.


Plan proposes $358 x 60 100% plan, Loan Mod by 6/1/23
Payments: 3/4 Arrears: $319
Matter ResolvedRequest
Adjourment
1281/18/2023 10:00 am22-17262 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
2/1/2023 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $690.00  
mk: adj 2 weeks to see if case can be saved

AS OF 1/13/22 (SF)

1. Objection filed by Specialized Loan SVC/Citigroup - failure to pay arrears and speculative loan mod. (MUST RESOLVE)

2. Loss mit order will expired on 1/24/23

3. IRS filed estimated unsecured claim 4-1 (NEED AMENDED CLAIM)

4. State of NJ filed estimated priority claim 6-1 (NEED AMENDED CLAIM)

5. Park Village filed bifurcated claim 12-1. $7575.50 is secured and $8687.06 is unsecured (HOW SHOULD CLAIM BE PAID?) If plan is confirmed at 100%, this will be paid.

6. Trustee objection:
- Need a copy of the homeowner's insurance renewal declaration - with liability coverage (note - also expires on 12/1/22). (APPLICATION PROVIDED. NEED COPY OF DECLARATIONS PAGE)

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: - 2 car
payments of $250 & $392 (cannot have two car payments). $500/month for transportation. Need proof of excessive expenses 10 days prior to confirmation.
- Verified income leaves monthly disposable income of $819.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $6,421 when determining disposable income.
- There is $27,000 in non exempt equity in the business. (NEED 100% PLAN)
- Need to file Pre-Confirmation Certification.

7. Add Trustee Standard Order of Distribution to the confirmation order

Plan proposes $690 x 60 Base, Loan Mod by 6/1/23
Payments: 3/4 Arrears: $690

RESOLVED ISSUES:
- Need statements for the debtor's 2 TSP loans. (RECEIVED)



Matter ResolvedRequest
Adjourment
1291/18/2023 10:00 am22-17278 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPlan DeniedDebtor has made 2 of 4 required payments   Arrears: $2,273.00  
MP in 14 dyas to be filed to surrender auto and will reduce payments

issues as of 1/12/2023 (JMA)

1) AmeriCredit Financial Services (Morton) objection to confirmation - RESOLVED, CONSENT ORDER PAY $21,728.99 THROUGH PLAN
2) Trustee objection to confirmation - need to resolve
- Proof of 2 month's income - for debtor once she returns to work. PROVIDED 1 CHECK FROM 11/18/2022, NEED TO PROVIDE PAYSTUBS FROM THAT DATE FORWARD.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $3,100/month for rent MODIFIED PLAN REJECTS THE RESIDENTIAL LEASE, HAS DEBTOR FOUND ANOTHER RESIDENCE? NEED ADDITIONAL INFORMATION(mk still has not found permanet residence- will update when she does

proposed plan $990 paid to date, $803x58 begin 12/1/2022 base plan
paid in $990
arrears $1,606
last claim 19

RESOLVED:
- Need proof of service on One Main Financial. RESOVLED, FILED
- Need to file Pre-Confirmation Certification. RESOLVED, FILED
- Need to resolve objection by Americredit Financial/GM Financial. RESOLVED, CONSENT ORDER FILED
- The debtor has failed to provide proof of service with respect to Plan Motion (s). RESOLVED, FILED
Matter ResolvedRequest
Adjourment
1301/18/2023 10:00 am22-17459 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,060.00
ISSUES AS OF 1/13/2023 (DM): updated 1/17/23 after reviewing 1/16/23 Certification. (atty ok to terms(mk)

***To resolve the Trustee objections below, TRUSTEE RECOMMENDS CONFIRMATION AT $1,060 PTD, THEN $275 x 44 STARTING 2/1/23, BASE PLAN***

1) Trustee OBJ:
- Need amended Schedules since the children do not live with the debtor - Form 22C needs to be amended to reflect a household of one and above median case (UNRESOLVED).
- Excessive Expense: $900 food (household of one), $500 transportation, $1,350 support. Need proof of excessive expenses 10 days prior to confirmation (UNRESOLVED).
- Need a statement for the debtor's stock account (RECEIVED).
- Need to file Pre-Confirmation Certification (FILED).
- The Attorney fees in the Plan and the Disclosure Statement do not agree. One of these must be amended (DISCLOSURE AMENDED).


Prop. Plan $265 x 36, Base Plan
PTD 4/4 = $1,060
Last Claim (5-1)
Matter ResolvedRequest
Adjourment
1311/18/2023 10:00 am22-17489 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledContinued
2/1/2023 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

mk:LM submitted on 1st mt (RAS) and on 2nd mtg - LM complete package submitted 1/15/23 McDonough.
LM to be done w/in 60 days plan has April- still need to resolve IRS est taxes- debtor atty to let us know about resolving objections by orders

12/7/22(mk): PER TR- add to terms debtor to sign up for ewage for TR payments w/in 10 days.

AS OF 1/12/2023 (at):

1. Motion for prospective relief filed by New Rez/Shellpoint is scheduled for 1/18/2023.

2. Objection filed by MEB Loan Trust (Frenkel Lambert) - failure to cure full arrears of $98,199.84 (Per POC).

3. Objection filed by New Rez/Shellpoint (Robertson Anschutz) - debtor's 6th bankruptcy filing stalling foreclosure sales and failure to cure pre-petition arrears of $273,300.18. (Per Obj)

4. Global Lending filed a secured arrears claim #10 in the amount of $549.24 which is not in the plan. Is it ok to pay this claim? mk: OK to PAY

5. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- 22c -2 Line 30 has additional food/clothing expense $47 and Line 34 has mortgage arrears to be paid to $5,076.77, plan has no arrears to be paid Line 45 disposable income would be $1,218.62, which would require minimum dividend $73,117.20 to gucs. (100% PLAN )
- Must resolve IRS estimated tax claim (2019 and 2020 not filed). (STILL ESTIMATED)
- Must resolve creditor objection. (UNRESOLVED)
- Must file Pre-confirmation certificate. (NOT FILED)


RESOLVED ISSUES:
- Based upon the previous dismissals, the Trustee will request the debtor sign up for TFS eWage once the case is confirmed. (LANGUAGE ADDED)
- 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). (LANGUAGE ADDED)
- The Plan provides for payment on unsecured claims of less than that which w
Matter ResolvedRequest
Adjourment
1321/18/2023 10:00 am22-17543 / CMGDavid E. Shaver, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $5,400.00  
AS OF 1/12/23 (SF)

This plan is not feasible. Proposes total base of $168,00 but need approximately $447,697.

1. Objection filed by US Bank/Chevy Chase Funding (West) - Plan is not feasible; failure to pay arrears of $554,185.41; filed in bad faith; debtor's 4th filing

2. Motion for Prospective Relief by US Bank scheduled for 1/18/23 at 9

3. Trustee objection:
- Need copy of Will & Final Testament for deceased mother who passed away 12/2/22. (RECEIVED. ADD TO CONF N/E PROCEEDS FROM INHERTIANCE. NEED ACCOUNTING FOR THE ESTATE.) ACCORDING TO WILL, DEBTOR WAS INDEBTED TO MOTHER FOR A LOAN IN THE AMOUNT OF $90,600 WHICH WILL BE ADDED TO THE VALUE OF THE ESTATE.
- Need a Modified Plan that propose student loans to be treated outside.
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Entertainment $700 and Student loans $950 (not in plan as outside.)
- There is non-exempt equity in real property $226,571, 2011 Audi $550, Wigwam LLC
$1,000 and Monmouth Bioproducts LLC $437,400. (100% PLAN )
The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution,
- Must file Pre-confirmation certificate.


--US BANK (PLUSE BECKER) MOTION FOR PROSPECTIVE RELIEF/DISMISSAL ON FOR 1/18/23.

>THIS IS DEBTOR's 4 TH BANKRUPTCY FILING. case has LM and debtor was denied LM again, this time, 17 days before this case was filed.


Plan proposes $2800 x 60 100% Plan, Loan Mod by 2/28/23
Payments: 2/4 Arrears: $5400
Matter ResolvedRequest
Adjourment
1331/18/2023 10:00 am22-17728 / CMGBRUCE H. LEVITTConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $4,000.00
1/13 workup for the 1/18 calendar EDC- atty says agreed to terms

**CAN CONFIRM AT:
$4000 paid then $1275 x 56 beginning 2/1/23-pro rata with min of $65,000 to gucs per agreement with trustee

**Trustee obj to the following:
--- Need Debtor's certification and proof such as bank statements on what was done with $148,628.21 received from sale of East 3rd Ave property on 7/13/21. (PER STATEMENT $26,000 TO TRANSAMERICA. WHAT IS THIS. THOUSANDS OF DOLLARS WERE SPENT GAMBLING THE MONEY--SPENT $151,000 IN ONE MONTH---BAD FAITH ESPECIALLY CONSIDERING THE DEBTOR HAS $215,000 IN UNSECURED DEBT)
--- Trustee requested documentation as to what happened to the sale proceeds. A list of transactions was submitted, cannot verify if this was bank statements, since there was no name on statements.
--- What was submitted stops at 8/13/21 showing $19,021 left in the account. Where did the rest of that money go?
--- Trustee questions whether this is a good faith filing when proceeds of that amount were all spent and a little more than 1 year later Debtor files bankruptcy.

--- 22c has disposable income $649.44, which would require minimum dividend $38,966.40 to gucs. Plan pays more and may need to pay even more pending proof on proceeds from sale.

Prop Plan $1,000 x 60 begin 10/1/22; Base
Note: All bank statements listed in Trustee obj have been provided 11/1/22.
Matter ResolvedRequest
Adjourment
1341/18/2023 10:00 am22-17776 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledMoot - DismissedDebtor has made 4 of 4 required payments   Arrears: $0  

As of 1/5/23 341 not held 12/22/22, no show. Must reschedule 341 then submit confirmation adjournment request

mk: 341 now on 12/22/22. MRF on 12/7/22. NO TR PAYMENTS

As of 11/23/22 (DS): 341 not held 10/27/22, still missing 2021 tax return
Matter ResolvedRequest
Adjourment
1351/18/2023 10:00 am22-17825 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $2,064.00
issues as of 1/12/2023 (JMA)

ok to confirm at $2,064 paid to date, $688x58 begin 2/1/2023 100% plan which includes minimum $96,266 dividend to general unsecured creditors

1) 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 non-exempt equity $96,266 (100% Plan).
-Must file Pre-confirmation certificate.
2) Bar date 12/12/2022 - non-exempt equity requires minimum $96,266 dividend to gucs - may wish to adjourn to after bar date

proposed plan $688x60 begin 11/1/2022 100%
paid in $2,064
last claim 13
Matter ResolvedRequest
Adjourment
1361/18/2023 10:00 am22-17861 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
3/1/2023 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 1/12/2023 (JMA)

1) Trustee objection to confirmation - need to resolve
-The debtor has insufficient income Verified income leaves monthly disposable income of -$3,802.74.
-The debtor has failed to supply the Trustee with the following document (s): Domestic Support Obligation information
-Need proof of insurance for the 2015 Ford and the 2016 Ford. POLICY PROVIDED WAS FOR 2012 TOYOTA COROLLA AND 2013 HONDA CIVIC - THE AMENDED SCHEDULE A/B ONLY LISTS 2015 FORD CHEVY (?) AND 2016 FORD F350. EXACTLY THE SAME AS THE ORIGINAL SCHEDULES. STILL NOT RESOLVED
-Need to provide Amendments to Schedules TO ADD CURRENT SPOUSE INCOME SCH I AND 122 AND AMEND SCHEDUES B AND C TO ADD VEHICLES - SCHEDULES WERE FILED, PROVIDING THE EXACT SAME INFORMATION, NEED TO AMEND TO CORRECT THE CARS OR NEED ADDITIONAL PROOF OF INSURANCE FOR THE 2 FORD VEHICLES
-The debtor(s) plan consists of unnecessary or excessive expense items, such as: $650/month for food; $700/month for support/alimony
Need proof of expenses 10 days prior to confirmation. NOT ADDRESSED
-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 $13,575 in non exempt equity in the 2015 Ford and 2016 Ford. There is $25,000 in non exempt equity in the business. Total non-exempt equity $38,575. General unsecured creditors should receive a minimum $38,575 dividend
-Need to provide calculation of net business income of $6,300 per schedule I with supporting documents no later than 10 days before confirmation hearing
-Need DSO form completed - RESOVLED, COMPLETED
-Need to provide 2 months proof of income for current spouse - NEED TO PROVIDE


proposed plan $200x60 base plan with loan mod of property on or before 2/12/2023
plan payments $600
last claim 6
Matter ResolvedRequest
Adjourment
1371/18/2023 10:00 am22-17866 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 1/12/2023 (at):

1. Hyundai Capital filed a secured arrears claim #19 in the amount of $1,977.58 for a 2013 Santa Fe which is not in the plan. Is the debtor going to pay this claim?

2. Objection filed by Fay Servicing/Wilmington (Pincus Law Group) - failure to cure full arrears of $43,369.72. (UNRESOLVED)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Income contribution affidavit (NOT RECEIVED)
- 401(k) loan balance statement (NOT RECEIVED)
- 2 months bank statements from Wells Fargo checking acct prior to filing date. (NOT RECEIVED)
- Amendments to Schedules B and C to correct model for 2013 Hyundai Sonata (sedan) to Santa Fe (SUV per auto insurance and claim filed) and take exemptions. (NOT AMENDED)
- take proper d(5) needed for Co-debtor on home.
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Home maintenance $250 and Medical $550. Need Proof of expenses within 10 days of confirmation hearing.
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):
- Based on income provided for Debtors there is disposable income $4,473.
- The current Plan does not specify treatment of Hyundai Capital arrears $1,977.58 under the Plan.
- The circumstances and contents of the debtor's Plan, when taken in their totatility, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a) (3).
- Must resolve Quailbrook HOA bifurcated claim. Secured $16,354.41 and unsecured $365.
- State of NY filed unsecured claim, plan has to be paid $225.15. Needs to be stricken and not paid.
- Must resolve creditor objection.
- Must file Pre-confirmation certificate. (NOT FILED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would
Matter ResolvedRequest
Adjourment
1381/18/2023 10:00 am22-17931 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
2/1/2023 10:00 am
Debtor has made 4 of 3 required payments   Arrears: $0  

mk: atty says prop is jtly owned- will upload deed and neds equity reviewed

As of 1/17/23 (DS):

Need to confirm at $266 x 3 begin 11/1/22; $528 x 57 begin 2/1/23; Base with a minimum dividend $22,777.26 to gucs due to non-exempt equity

As of 12/5/22 (DS): Debtor atty requested adjournment to allow time to collect debtor's bank statements

12/7/22 (DS): 1. Trustee obj to the following:
- BANK STATEMENTS PROVIDED. THERE IS NON-EXEMPT EQUITY IN BOTH ACCTS WITH DEBTOR'S HALF INTEREST $419.36 IN ACCT#2795 AND $297.71 IN ACCT#9064.
- There is non-exempt equity in 2015 Dodge Ram $8,000, 2016 Dodge Ram $1,477 and residence $12,583.19 total $22,060.19. TOTAL INCLUDING BANK ACTS IS $22,777.26.

Prop Plan $266 x 60 begin 11/1/22; Base
Matter ResolvedRequest
Adjourment
1391/18/2023 10:00 am22-17932 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
3/1/2023 10:00 am
Debtor has made 4 of 3 required payments   Arrears: $0  

AS OF 1/13/23 (SF)

1. Nanette Bowman has not filed a claim and the bar date has expired. (MUST RESOLVE). Also, we do not have a DSO information sheet from the debtor. (MUST PROVIDE)

2. Trustee objection:
- Need proof of insurance for the 2017 Yamaha.

- The proof of income provided is higher ($2,644) than scheduled ($2,214).

- There is $6,340 in non exempt equity in the 2017 Yamaha.
- The debtor has failed to provide proof of service with respect to Plan Motion (s). IMPROPER SERVICE TO NJ MOTOR VEHICLE COMMISSION. DID NOT SERVE NJ ATTORNEY GENERAL
- Need to file Pre-Confirmation Certification.


Plan proposes $400 x 36 Base; Sale of real estate in 6 months
Payments: 3/3

Matter ResolvedRequest
Adjourment
1401/18/2023 10:00 am22-18050 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
3/1/2023 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 1/12/2023 (at):

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

2. The NJ Division of Taxation filed an estimated priority claim #3 which needs to be resolved/amended. (STILL ESTIMATED)

3. Trustee's objection:
-need to file Pre-Confirmation Certification with Court (NOT FILED)
DEBTOR HAS NO REGULAR SOURCE OF INCOME AND IS INELLIGBLE TO BE A DEBTOR

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):
-non-exempt equity in bank account $3681.03 (using the balance from the 10/11/2022 statement $19,056.03) (LANGUAGE ADDED)
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). (LANGUAGE ADDED)
-large deposit to TD Bank acct on 9/12/2022 $21,526 - what is the source of this income? (PER DEBTOR, CAR ACCIDENT SETTLEMENT)

Plan proposes: $259 x 60 beginning 11/1/2022, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1411/18/2023 10:00 am22-18083 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

1/18/23:mk: is Tr looking for exclusion list for debtor on this - Is TR requiring that. Atty does not understand how we getting dispo income at 3x what he calculated- OK to pay St of NJ

issues as of 1/12/2023 (JMA)

1) First Home Mortgage Corporation (KML) objection to confirmation - need to resolve CO RESOLVING OBJ PAY ARREARS THROUGH PLAN PER FILEDCLAIM
- pre-petition arrears $1,724.32
2) 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): - Income verifies higher resulting in $951 monthly disposable income. Need to pay disposable income into plan.
- Need September 2022 WSFS Bank statement for #7664; need August 2022 and September 2022 Wells Fargo Bank statement for 2728; need September 2022 Wells Fargo Bank statement #7861. PROVIDED STATEMENTS, RESOLVED
- Per SOFA Q#15, gambling losses for 2020 were $40,000.
- Need to file Pre-Confirmation Certification
3) NJ Division of Taxation filed claim 15 which includes priority claim for $317.55 - not in plan, need to address
4) Santander Consumer USA Inc (2019 Jeep Cherokee) plan proposes to pay arrears $1,735.20, claim includes an unsecured portion of claim in the amount of $458.01 - need atty to advise of treatment for this portion of claim

proposed plan $332x60 begin 11/1/2022 base plan which includes minimum $12,693 dividend to general unsecured creditors
paid in $996
last claim 20
Matter ResolvedRequest
Adjourment
1421/18/2023 10:00 am22-18092 / CMGAndrew B. Finberg, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 4 of 3 required payments   Arrears: $0  

Confirmation adjournment request submitted 1/16/23 to allow time to enter into consent order with creditor

As of 1/13/23 (DS): 1. Still missing business forms for 4Fore Development and FreddieJack, Inc. and Profit and Loss statements for 1 year for both companies, Wells Fargo business checking/savings acct statements for May through Oct. 2022 and 2 months bank statements (Sept. & Oct.) for Wells Fargo checking acct#8161.

2. BELOW ISSUES STILL REMAIN UNRESOLVED.

As of 12/20/22 Debtor attorney requested adjournment to resolve obj.

12/21/22 (DS): 1. Trustee obj to the following:
- Need business forms for 4Fore Development and FreddieJack, Inc. and Profit and Loss statements for 1 year for both companies, Wells Fargo business checking/savings acct statements for May through Oct. 2022 and 2 months bank statements (Sept. & Oct.) for Wells Fargo checking acct#8161.
- Disposable income verifies $2,086 and Schedules fail to add tax refund $12,694 when determining disposable income.
- There is non-exempt equity in Sudberry Lane property of $111,388.97 and Michelle Dr $29,585.88. (100% PLAN)
- Must file Pre-confirmation certificate.

2. Freedom Mortgage filed arrears $134.07. Trustee ok to pay?

Prop Plan $625 x 60 begin 11/1/22; 100%
Matter ResolvedRequest
Adjourment
1431/18/2023 10:00 am22-18114 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 1/12/2023 (at):

1. The IRS filed an estimated claim #9 (2017-2018) which needs to be resolved/amended. (STILL ESTIMATED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Auto insurance for 2000 Honda Civic. (NOT RECEIVED)
- Must file Pre-confirmation certificate. (NOT FILED)

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 non-exempt equity in real property $165,297.34. (LANGUAGE ADDED)
- 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). (LANGUAGE ADDED)

Plan proposes: $870 x 60 beginning 11/1/2022, 100% to unsecured creditors
Payments: 3/3
Matter ResolvedRequest
Adjourment
1441/18/2023 10:00 am22-18277 / CMGKirsten B. Ennis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $0  
Total Paid In: $3,100.00
AS of 1/12/22(mk):atty ok to terms

**CAN REC CONFIRM AT $3,100 PTD, Then $1,550 x 57 Begin 2/1/23 100%.Preserve equity T/H in personal prop. of $17,300.
LM on Andrew St. for first mortgage by Bank Of NY Mellon by 1/31/23.
Tr to pay arrears to Bank of NY Mellon on claim #3-1 pending LM.
TR to pay arrears of $4,045.57 per claim #6-1 to MBS Loan Trust on the second mortgage.
Must file pre conf cert in 7 days**

-------------

> Plan has LM and then arrears in part 4. Are you seeking a LM on 1st and second Mtgs - or only the first? per atty :PAY Arrears on 2nd Mtg LM on 1st- Per Atty - Pay Arrears pending LM

>Also, property has not been transferred form spouse (who owned prop in her name only) of debtor to debtor. No will and no probate- This may be an issue in trying to LM- so far no objection by Mtg Co.

1. Trustee Objection:
-There is $17,300 in non-exempt equity in
the vehicles.(NADA - 2014 Sentra $7,300, 2002 Ford Ranger $4,525 and 2011 Ford F-150 $13,475 - $8,000 for new engine = $5,475)
- need pre conf cert.
---------
- insufficient income Verified income leaves
monthly disposable income of
$1,136.17.Amneded i & J filed
-Proof of 2 month's income - Need all of
August pay stubs for the debtor.(Provided)
- need Amendments to Schedules J to remove
the $100 under #20d.
-Schedules fail to account for tax refund in
of $1,673.00 in dispos income.


Plan:$1550 X 60 BEG 11/2022; LM BY 1/31/2023 (59 ANDREW ST); BASE
2/3 payments
Matter ResolvedRequest
Adjourment
1451/18/2023 10:00 am22-18318 / CMGPRO SEConfirmation Hearing ScheduledContinued
2/1/2023 10:00 am
Debtor has made 0 of 3 required payments   Arrears: $435.00  
1/18/23(mk) Case was dismissed but CT notified me later in the day that the debtor called and etc so will vacate dismissal and put on for 2/1/23


NS 2nd call

AS OF 1/12/2023 (at):

1. 341 has not been held or rescheduled. No docs
2. Payments: 0/3, arrears $435
Matter ResolvedRequest
Adjourment
1461/18/2023 10:00 am22-18432 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

Confirmation adjournment request submitted 1/13/23 to allow creditor to obtain appraisal on real property

As of 1/13/23 (DS): 1. Craig Wurtenberg (NORGAARD O'BOYLE & HANNON) obj to file adversary proceeding to determine debt to not be dischargeable. Claim filed as unsecured.

2. MFR filed by Craig Wurtenberg as well and scheduled 1/18/23.

As of 1/3/23 Debtor atty req adj

12/30/22 (mk): Late Objection filed by creditor Craig Wurtenburg (Norgrand Boyle).

1/4/23 (DS): 1. Trustee obj to the following:
- There is $66,989.62 in non-exempt equity in the residence.(mk:per atty -OK)
- Add to confirming order Trustee standard order of distribution (mk: NO IT IS PER PLAN DISTRIBUTION).

2. Arrears claim filed by Chase Mtg $165.14. Trustee ok to pay? (mk: Per atty - YES PAY)

Prop Plan $1,274 x 60 begin 11/1/22; Dollar Base $65,354
Note: Updated homeowner and auto insurance and proft and sharing statement provided.
Matter ResolvedRequest
Adjourment
1471/18/2023 10:00 am22-18531 / CMGJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $3,990.00
As of 1/6/23(mk):

If OK To Pay ARREARS In #1. THEN

**CAN REC CONFIRM AT $1,330 x 44 Begin 11/1/22 100%. Preserve Equity T/H of $83,086in real and personal property.
Must file pre conf cert w/ in 10 days
Plan length reduced to total 44 mos.**


1. Nationstar for Mtg has small arrears claim of $22.45- OK TO PAY?

2. Trustee Objection: PLAN IS 100%
-There is $77,877.00 in non exempt equity in the
residence. 100% plan.
-There is $5,209 in non exempt equity in his
personal property.
-Need to file Pre-Confirmation Certification

Plan:$1330 X 60 BEG 11/2022; 100%
3/3
Matter ResolvedRequest
Adjourment
1481/18/2023 10:00 am22-18639 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $1,500.00
as of 1/12/2023 (JMA)

to resolve objections, need to confirm at $500x12 begin 11/1/2022, $2,019x48 begin 11/1/2023 100% plan with minimum $10,746.31 dividend to general unsecured creditors
-with refinance by 11/1/2023 or loan mod by 5/1/2023

1) New Jersey Housing and Mortgage Finance Agency (KML) objection to confirmation - RESOVLED
-plan is not feasible
-pre-petition arrears $77,676.90 -Mk PER ATTY OK TO PAY CURE- and will still try to LM thru portal
2) Trustee objection to confirmation - need to resolve
- A Modified Plan that proposes a loan modification OR a refinance. NOT FILED
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $300/month for home maintenance
$650/month for transportation - 100% PLAN
- Need proof of excessive expenses 10 days prior to confirmation. 100% PLAN
- 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 $2,503.10.
- 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 $23,127.90 in non-exempt equity in the residence. MORTGAGE CLAIM WAS HIGHER THAN THE AMOUNT ON SCHEDULES, NON-EXEMPT EQUITY IN THE RESIDENCE NOW $10,746.31
- Need to file Pre-Confirmation Certification. RESOLVED, FILED
3) Motion to approve debtor to participate in the Court's Loss Mitigation Program

proposed plan $500x12, $1,250x48 begin 11/1/2022 with refi by 11/1/2023 or loan mod by 5/1/2023 100% plan
paid in $1,000
arrears $500
last claim 7
Matter ResolvedRequest
Adjourment
1491/18/2023 10:00 am22-18718 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $500.00
AS OF 1/17/2023 (at):

IF MOTION IS GRANTED, OK TO CONFIRM AT $250 x 36 BEGINNING 12/1/2022, BASE
Non exempt proceeds from lawsuit against Retail Group Inc. are to be turned over to the trustee.

1. Santander Consumer filed a bifurcated claim #4 in the amount of $13,000 secured and $11,669.71 unsecured for a 2016 Jeep Patriot which is not in the plan. Claim needs to be addressed. What are the debtor's intentions? (MOTION TO EXPUNGE THIS CLAIM IS SCHEDULED FOR 1/18/2023. CLAIM WAS DISCHARGED IN PRIOR 7 AND VEHICLE RETURNED PER DEBTOR'S CERTIFICATION)

2. Trustee's objection:
The debtor has insufficient income Verified income leaves monthly disposable income of -$7.55.

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification. (FILED)
- Any non exempt proceeds from the suit involving Retail Group Inc are to be turned over to the trustee. (LANGUAGE ADDED)

Plan proposes: $250 x 36 beginning 12/1/2022, base
Payments: 1/2, arrears $250
Matter ResolvedRequest
Adjourment
1501/18/2023 10:00 am22-18787 / CMGMonica Mazurczyk, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $3,000.00
UPDATED 1/17/2023 (jma)

OK TO CONFIRM AT $3,000 PAID TO DATE, $1,500X34 BEGIN 1/17/2023 100% PLAN

ISSUES AS OF 1/12/2023 (JMA)

1) Trustee objection to confirmation - need to resolve
- Need to provide Domestic Support Obligation information and proof of alimony/support payments PROVIDED, RESOLVED
- Need to provide proof of life insurance payments and proof of taxes being paid monthly.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $485 cable/internet/phone, Transportation $450, NEED WORKSHEET OF THESE EXPENSES; $786 life insurance PROVIDED PROOF OF PAYMENT (requires proof of payments), $1,622 support payments (need order for support) PROVIDED, $2,385 State and federal taxes (requires proof that taxes are being paid).
- Need to provide proof of excessive expenses 10 days prior to confirmation. 17 PAGES OF ILLEGIBLE HANDWRITTEN NOTES ON THE DEBTORS BANK STATEMENTS IS NOT SUFFICIIENT PROOF OF EXPENSES - REQUEST A SPREADSHEET CLEARLY SHOWING ALL OF THE DATA ON ONE PAGE.
- 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): - 22c has disposable income $1,267.76 (100% Plan).
- Disposable income verifies $2,071 (100% Plan).
- Must file Pre-Confirmation Certification-RESOLVED, FILED

proposed plan $1,500x36 begin 12/1/2022 100%
paid in $3,000
last claim 3
Matter ResolvedRequest
Adjourment
1511/18/2023 10:00 am22-18852 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 1/13/2023 (at):

1. 341 is scheduled for 1/26/2023.
2. Payments: 1/2, arrears $750
Matter ResolvedRequest
Adjourment
1521/18/2023 10:00 am22-18854 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $0  

AS OF 1/13/23 (SF)


1. 341 not held - Rescheduled to 1/26/23
2. Payments: 0/2 Arrears: $600 (Copy of Atty Trust check provided for $600) Money has not posted yet.
3. Order to Show Cause for filing fees 1/31/23 at 11 (Judge to Reserve Decision)

Matter ResolvedRequest
Adjourment
1531/18/2023 10:00 am22-18964 / CMGAndrew Thomas Archer Confirmation Hearing on Modified PlanDismissedDebtor has made 0 of 2 required payments   Arrears: $0  

AS OF 1/11/2023 (at):

IF A PAYMENT IS MADE, NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT THE 341 MEETING CAN BE CONDUCTED ON 1/26/2023.

1. 341 is scheduled for 1/26/2023.
2. Payments: 0/2, arrears $1,206
3. Stay motion by Oaks Integrated Care is scheduled for 1/18/2023.
Matter ResolvedRequest
Adjourment
1541/18/2023 10:00 am22-19012 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledMoot - DismissedDebtor has made 0 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1551/18/2023 10:00 am22-19018 / CMGSTEVEN J. SICOConfirmation Hearing ScheduledWithdrawnDebtor has made 2 of 2 required payments   Arrears: $0  

MP in 14 days- will resolve # 1 and working w/ IRS

AS OF 1/18/2023 (at):

ADJOURNMENT REQUEST DENIED - NO CONSENT FROM OBJECTING CREDITOR.

1. Objection filed by New Rez/Shellpoint (Pincus Law Group) - failure to cure full pre petition arrears of $154,658.73. (Per POC)

2. The IRS filed an estimated priority claim #6 which needs to be resolved/amended. (STILL ESTIMATED)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Need the pay stub for the co-debtor's bonus and residual stock options. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$4,300/month mortgage payment (per statement mortgage payment is $3,281.46)
$500/month for home maintenance
$850/month for cable/internet/phone
$615/month for car payment
$450/month for alimony/support (need documentation)
Need proof of excessive expenses 10 days prior to confirmation. (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 $7,579.81.
- Per the 22C, monthly disposable income if $18,076 which requires a minimum dividend of $1,084,560 to general unsecured creditors.
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need a statement for the co-debtor's 401k loan. (NOT RECEIVED)
- Debtor needs to submit Domestic Support Obligation form. (NOT RECEIVED)

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 $48,007 in non-exempt equity in the vehicles. (LANGUAGE ADDED)
There is $6,934 in non-exempt equity in the bank accounts. (LANGUAGE ADDED)

Plan proposes: $3,435.35 x 40 beginning 12/1/2022, $4,652 x 6, t
Matter ResolvedRequest
Adjourment
1561/18/2023 10:00 am22-19020 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $400.00  
issues as of 1/12/2023 (JMA)

1) Trustee objection to confirmation - need to resolve
- Need updated car insurance prior to confirmation.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $400/month for utilities, $656/month car payment. 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): Verified income leaves monthly disposable income of $980.69.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $6,201.00 when determining disposable income.
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 $56,042 in non-exempt equity in the residence.
Need to file Pre-Confirmation Certification.
Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.

proposed plan $400x36 begin 12/1/2022 with sale of residential property on or by 8/31/2023 100% plan
paid in $400
arrears $400
last claim 4
Matter ResolvedRequest
Adjourment
1571/18/2023 10:00 am22-19098 / CMGNicholas Fitzgerald, Esq.Confirmation Hearing ScheduledContinued
2/1/2023 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $2.00  
As of 1/12/23 (DS):


1. Trustee obj to the following:
- Excessive expenses with car payment 855.24, allowed $588 for 1 car and $1,176 for 2, will deduct the difference on both cars listed on Sched J, which would be $146.24 (MK: says family of 6- atty says did produce extra docs- review w/ mk for next workup)
- Proof of income verifies that there is disposable income $1,785, after deducting
difference from car payments.
- Must file Pre-confirmation certificate.

2. Wells Fargo filed a bifurcated claim, secured $15,050, unsecured $1,729.44 with no arrears owed. Claim needs to be resolved. MK: treat as current and outside- no arrears

3. Obj of Lakeview should be resolved. Mod plan pays arrears claim.

Prop Plan $854 x 50 begin 1/1/23; Dollar Base $5,000
Note: Spouse 2021 tax return provided. There is no equity on 2018 Maserati Ghibli. IRS tax claim is no longer estimated. Excessive expense for internet/cable cell/tell was amended, so was life insurance, proof provided and is ok.
Matter ResolvedRequest
Adjourment
1581/18/2023 10:00 am22-19119 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 1 of 2 required payments   Arrears: $0  

NS

As of 1/5/23 (DS):

341 not held 12/15/22, no docs provided
1/2 payments
Matter ResolvedRequest
Adjourment
1591/18/2023 10:00 am22-19141 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 2 required payments   Arrears: $0  

1/17/22 (sf) - Per atty, ok to dismiss

341 not held - Missing documents
No payments
Matter ResolvedRequest
Adjourment
1601/18/2023 10:00 am22-19235 / CMGPRO SEConfirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $1,960.00  
MK: contact debtors and tell them status and ask then about Alliance ) name of company debtor said is helping them)


issues as of 1/10/2023 (JMA)

1) 341 hearing not held, not rescheduled - to date have not provided documents for 341 hearing
2) No Trustee plan payments to date, arrears $1,960
Matter ResolvedRequest
Adjourment
1611/18/2023 10:00 am22-19282 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 3 of 2 required payments   Arrears: $0  

AS OF 1/12/2023 (at):

ADJOURNED TO AFTER BAR DATE.

RECOMMEND: $2,000 PAID TO DATE, $2,046 x 34 BEGINNING 2/1/2023, 100% PLAN
Student loans will be paid outside of the plan.
Claims will be paid according to the trustee's order of distribution.
Preserve non exempt equity of $77,838 in real and personal property.
Need to file Pre-Confirmation Certification within 7 days of confirmation.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - for non-filing spouse. (NOT RECEIVED)
- Amendments to Schedules I to add spouse's income. (NOT AMENDED)
- 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):
- As of now, verified income leaves monthly disposable income of $4,305.76.This does not include non filing spouse income that was omitted form original sch I.
- Reviewed the 22C, Line 2 (gross income) should be $10,093 and Line 30 (additional food) requires documentation. Per the 22C, monthly disposable income is $1,746 which requires a minimum dividend of $104,760 to general unsecured creditors.(Plan is 100%)
- Need to file Pre-Confirmation Certification. (NOT FILED)

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 $68,522 in non-exempt equity in the residence. (LANGUAGE ADDED)
- There is $9,316 in non-exempt equity in the Nissan Rogue. (LANGUAGE ADDED)
- 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). (LANGUAGE ADDED)

Plan proposes: $1,000 x 60 beginning 12/1/2022, 100% to unsecured creditors
Payment
Matter ResolvedRequest
Adjourment
1621/18/2023 10:00 am22-19320 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
3/1/2023 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

issues as of 1/10/2023 (JMA)

1) 341 hearing not held, rescheduled for 2/2/2023
2) Current with Trustee plan payments
Matter ResolvedRequest
Adjourment
1631/18/2023 10:00 am22-19321 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $300.00  
MRF on 2/1/15

As of 1/12/23 (DS): 1. Trustee obj to the following:
- Need proof of homeowner insurance with personal liability coverage.
- The confirming order on the 100% plan should preserve the $25,251 threshold.

2. Finance of America (ROBERTSON, ANSCHUTZ, SCHNEID) obj that the borrower, Geraldine Hammer passed away 11/1/17. Under the provisions of reverse mortgage, an heir only has 6 months from Borrower's death to redeem property. Redemption period has passed. Obj to plan not paying arrears and sale is speculative as no proof of sale has been provided. Obj must be resolved.

3. Must file Pre-confirmation certificate.

Prop Plan $300 x 36 beg 12/1/22; 100% and Sale of Durand Rd 6 month after conf
Matter ResolvedRequest
Adjourment
1641/18/2023 10:00 am22-19332 / CMGDARIN D PINTO, ESQConfirmation Hearing ScheduledWithdrawnDebtor has made 2 of 2 required payments   Arrears: $0  

MP #14 filed and on for 2/15/23

AS of 1/6/23(mk):

1.Ameri Mtg filed ana rrars POC for $2087.90. Plan has unaffected- OK TO PAY?


2, Trustee Objection:
- insufficient income
-need statement for pension loan.
-as of now, There is $8,327 non-exempt equity in
the residence.
-Need proof of service on lan motions for
Santander Consumer.
- need pre conf cert.

Plan: $660 x 36, Base
1/2 payments
Matter ResolvedRequest
Adjourment
1651/18/2023 10:00 am22-19337 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 1/13/23 (SF) UPDATED - Removed from honor roll. Atty wants to wait until the mortgage company files a claim

RECOMMEND $100 X 36 (BEGIN 12/1/22) BASE W/MIN $498 TO GUCS


Plan proposes $100 x 36 Base w/min $498 to gucs
Payments: 1/2 Arrears: $100
Matter ResolvedRequest
Adjourment
1661/18/2023 12:00 pm19-19078 / CMGKarina Pia Lucid, Esq.Motion CompensationGrantedTotal Paid In: $54,139.00
PPSED Order for Fees Outside

Matter ResolvedRequest
Adjourment
1671/18/2023 12:00 pm19-30892 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $33,649.00
Matter ResolvedRequest
Adjourment
1681/18/2023 12:00 pm22-10812 / CMGCamille J. Kassar, Esq.Motion CompensationGrantedTotal Paid In: $6,943.00
(AMT: CONF PROVISIONS HAVE NOT BEEN MET: AMD SCH D TO ADD US BANK WITHIN 10 DAYS OF 12/8 CONF AND FILE POC WITH MTN TO ALLOW LATE CLAIM FOR US BANK)

mk:TR filed obj.

The Motion for Leave to file proof of claim for the Tax Certificate holder has been filed. The Proof of Claim post bar date has been filed. The debtors schedules have been Amended and filed to include the Tax Certificate holder. Please review and advise if your objection to our fee application can be withdrawn or do you require us to file an adjournment?
Please note that we attempted to contact the creditor and anticipated them filing the Proof of claim ect which was not done. This was
Matter ResolvedRequest
Adjourment
1701/18/2023 12:00 pm22-16438 / CMGPRO SEAP Hearing Rescheduled (Document)Moot - Dismissed
AP 22-1363 JP MORGAN MTN TO DISMISS AP
Matter ResolvedRequest
Adjourment
1691/18/2023 12:00 pm22-16438 / CMGPRO SEHearing Scheduled (Document)Moot - Dismissed
DEBTOR'S OBJ TO JP MORGAN CHASE POC
Matter ResolvedRequest
Adjourment
1721/18/2023 12:00 pm22-16438 / CMGPRO SEAP Motion Motion (Generic) - Only use if no other event is applicableMoot - Dismissed
AP 22-1363 MTN IN OPPOSITION TO MEDIATION
Matter ResolvedRequest
Adjourment
1731/18/2023 12:00 pm22-17311 / CMGDavid G. Beslow, Esq.Motion CompensationGrantedTotal Paid In: $7,514.00
Matter ResolvedRequest
Adjourment
01/18/2023 2:00 pm22-12941 / MBKDaniel E. Straffi, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsTotal Paid In: $4,000.00
--MBK CASE---

>>OST<<

VOLUNTARY MTN TO DISMISS
Matter ResolvedRequest
Adjourment
1761/18/2023 3:00 pm22-12420 / CMGHENRY N. PORTNER, ESQ.AP Summons IssuedMoot - Dismissed
AP 22-1187 McEwan vs. Wilmington PRE TRIAL

Note: Ct Granted motion to extend time for file MP to 2/15/23





Matter ResolvedRequest
Adjourment
1781/18/2023 3:00 pm22-16438 / CMGPRO SEAP Summons IssuedMoot - Dismissed
AP 22-1363 PURPURA VS. JP MORGAN CHASE
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes