Judge Christine M. Gravelle
Hearing Date: 1/19/2022
Hearing Count: 135
Last Updated: 01-24-2022 08:07 AM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
11/19/2022 9:00 am15-23929 / CMGWilliam H. Oliver, Jr., Esq.Motion Reopen Ch. 13 Case (fee)Granted
MTN TO REOPEN

mk:(To get approval for atty fees- case closed 2/10/20)
Matter ResolvedRequest
Adjourment
21/19/2022 9:00 am16-23473 / CMGPAUL H YOUNGMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/16/2022 9:00 am
Total Paid In: $16,756.00
FAILED TO PAY PLAN BALANCE-atty adj request needs 60 days- 2/16/22 Peremptory

Mk' Plan balance 1,013. Plan has expired. In month 66.- sent email to atty on 1/12/22.
Matter ResolvedRequest
Adjourment
31/19/2022 9:00 am16-24932 / CMGWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
AMT: FILED WITHDRAWAL - PIF/PENDING CLOSING AUDIT<>>


Debtor obj, will pay<> FAILED TO PAY PLAN BALANCE
Matter ResolvedRequest
Adjourment
41/19/2022 9:00 am16-31665 / CMGJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $18,014.00
AS of 12/28/21 Plan balance is $490.56

MK; FUNDS POSTED PLAN COMPLETE
Matter ResolvedRequest
Adjourment
51/19/2022 9:00 am16-34303 / CMGEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/16/2022 9:00 am
Total Paid In: $34,144.00
Update: MP was filed ON FOR 2/16/22 for a Covid extend- Covid cert filed 1/17/22. STILL NEEDS AMENDED I &J

1/11/22:MK:

PLan Balance 10,681 Plan is in month 61..

12/13/21(mk): PLAN IN MO 60. MADE RECENT PAYMENT BUT PLAN BALANCE IS $11,181

>PLAN HAS EXPIRED<

10/19/21(mk): debtor made elect payment of 3500 will post 10/20/21

Debtor obj, can make pymts<>ARREARS 12,895. Since TR Recap in Sept 2020 debtor never paid full TR payment of 1,515

THIS IS NOT FEASIBLE

Creditor cert of default also on 10/20/21.
Matter ResolvedRequest
Adjourment
61/19/2022 9:00 am17-15982 / CMGEric ClaymanTrustee Certification of DefaultContinued
2/16/2022 9:00 am
Total Paid In: $44,777.00
mk: may do MP covid ectend to get home sold

HEARING ON TRUSTEE CERT OF DEFAULT

1/12/22(mk): ARREARS 5,019. Last pay 11/29/22. Plan in Month 58. Plan balance 7,485.73

Debtor's opp'n say trying to sell property
Matter ResolvedRequest
Adjourment
71/19/2022 9:00 am17-16819 / CMGEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/16/2022 9:00 am
Total Paid In: $15,210.00
MP on for 2/16/22

mk: Per AR - this case needs Ewage


1/12/22(mk) : MP (#81)filed today. ATTY FILED MP UNDER "MISSING DOCUMENTS"- THIS IS A MP - WILL LIKELY BE DOCKETING ERROR covid extend for 14 mos to pay plan off. MK: filed obj to #81 Missing docs and it would not file as obj to MP- no covid cert and no amended I & J or POI . TR payment reduced in MP

12/15/21(Mk):atty to communicate w/ client for COVID MP- Need to be filed before next hearing date

ARREARS as of 12/8/21 $4,287. made partial payment 12/7
only 4 mos left and plan balance $7,637.46

11/10/21: opp'n will be filed today. debtor fell behind due to Covid-out of Wk. will make 2000 payment in Nov. plus another 1,000 before end of Nov. Atty to upload adj request.
Matter ResolvedRequest
Adjourment
81/19/2022 9:00 am17-16860 / CMGEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/16/2022 9:00 am
Total Paid In: $61,685.00
MP 2/16/22

Mk: per Ar case needs Ewage

mk: MP (#91) fiiled 1/11/22 again under "MISSING DOCS" - filed obj to this -THIS IS A MP - WILL LIKELY BE DOCKETING ERROR covid extend;Mk:: filed obj to #91 Missing docs and it would not file as obj to MP- no covid cert and no amended I & J or POI . TR payment reduced in MP

1/11/22(mK0) Made large payment 12/14/21. Arrears now $3,848

Recap is $61,684.50 PTD, Then $2,517 x 3 begin 2/1/22- email to atty


12/15/21(Mk):atty to communicate w/ client for COVID MP- Need to be filed before next hearing date

Debtor obj<>ARREARS as of 12/8/21 $11,386
Only 4 mos remain w/ a plan balance of $16,1707.80

Matter ResolvedRequest
Adjourment
91/19/2022 9:00 am17-16894 / CMGJOHN ZIMNIS, ESQTrustee Certification of DefaultTrustee OrderTotal Paid In: $20,699.00
Debtor obj<> ARREARS as of 1/17/22 $348 . PD 1600 on 1/14/22.

Recap is 20,699 PTD. Then $341 x 27 Begin 2/1/22. -ATTY OK TO TERMS

MK: will remove this term due to notes below.
Debtor to sign up for Ewage w/in 30 days.- email to atty on 1/17/22. with new terms.

1/18/22(mk): atty email says debtor not working- asks to skip ewage lang. Mk reply what is source of income? atty reply:He received a lump sum for unemployment back payment, which will hold him over for several months pending him returning to work AND/OR the lawsuit with the USPS settles. There is no on-going unemployment income now.
Matter ResolvedRequest
Adjourment
101/19/2022 9:00 am17-21653 / CMGYAKOV RUDIKHMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $91,100.00
>>debtor opp'n(#40)>U.S. BANK TRUST/Darrow Drive (McCALLA RAYMER)
Matter ResolvedRequest
Adjourment
111/19/2022 9:00 am17-23076 / CMGROBERT C NISENSON ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $11,200.00
1/11/22(MK) MP ON HR

mk: Tr obj to MP. They need to w/d that plan and file a newone. error in plan re" min to gucs 12,000. Its a pot base 12,000

MP to remove 35,000 proceeds as uncollectable and go from there

10/28/21(mk): Status? atty said re not foreclosed on yet.

9/8/21(mk): Any update on this?Atty checking w/ mercer cty Sherriff as to status of foreclosure. The deed has NOT been transfered. deal was ex spouse pays the 35,00 then debtor will sign deed.

Debtor obj, working to resolve, needs more time<>FAILED TO TURN OVER N/E PROCEEDS TO TRUSTEE BY 3/31/18 FROM DEBTOR'S $35,000 PPTY SETTLEMNT AGREEMENT

mk: docket #65 is letter from matrimonial atty that ex spouse continues his failure to abide by Ct Orders
Matter ResolvedRequest
Adjourment
121/19/2022 9:00 am17-24681 / CMGWilliam H. Oliver, Jr., Esq.Motion File Claim After Claims Bar DateOrder Previously SubmittedTotal Paid In: $26,043.00
MTN TO ALLOW LATE POC #25 NJ AMERICAN WATER

>1/18/22- Order submitted and Tr Obj... Needs revised Order for Tr to pay as secured not administrative claim


MK: MP has NJ Water in section 4b. which is secured. However the claim filed by debtor atty is not designated as secured. The PPSD ORDER does not specify if TR is to pay claim as a secured or priority thru the plan.
Matter ResolvedRequest
Adjourment
141/19/2022 9:00 am17-24681 / CMGWilliam H. Oliver, Jr., Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $26,043.00
AMT: MP 1/19<>

Debtor obj, filing MP<> ARREARS

---------------------
>> needs MP to add the PP arrears from MFR. This should be adj. for MP to address expired plan
Matter ResolvedRequest
Adjourment
131/19/2022 9:00 am17-24681 / CMGWilliam H. Oliver, Jr., Esq.Motion File Claim After Claims Bar DateGrantedTotal Paid In: $26,043.00
MTN TO ALLOW LATE POC #26 Hazlet Sewer.
Matter ResolvedRequest
Adjourment
151/19/2022 9:00 am17-25063 / CMGWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultContinued
2/16/2022 9:00 am
Total Paid In: $55,344.00
Mk: 1/19/22:creditors says loan has matured and need total amt due and will amended claim- so all that is owed is now due and debtor will MP


Debtor obj<> JP MORGAN/Indian Hill (Mccalla)

CONF on 1/19/22: ISSUES
----------------------

- 4 payments past due for $5,807 (dm)
- debtor intends to file CARES Act Plan to cure - conf scheduled for 1/5/22 (dm)

Matter ResolvedRequest
Adjourment
161/19/2022 9:00 am17-29457 / CMGWarren Brumel, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)GrantedTotal Paid In: $24,000.00
MOTION TO VACATE DISMISSAL

MK: plan balance 1,201. Debtor has funds
Matter ResolvedRequest
Adjourment
171/19/2022 9:00 am18-13154 / CMGSTEVEN J ABELSON, ESQMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)GrantedTotal Paid In: $45,555.00
debtor has paid arrears.
Matter ResolvedRequest
Adjourment
181/19/2022 9:00 am18-17739 / CMGJOAN S. WARREN, ESQ.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)GrantedTotal Paid In: $11,384.00
Mk: dismissed on Trustee Cert of Default.
Payment made
Matter ResolvedRequest
Adjourment
191/19/2022 9:00 am18-18157 / CMGLAWRENCE W. LUTTRELLMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/16/2022 9:00 am
Total Paid In: $41,587.00
1/19/22(mk: Motion (on 2/16/22)and MP filed


1/10/22(mk); Had communication w/ Atty Office. Filing Motion and a MP , then will upload adj request.

FAILED TO FILE MTN TO CRAM 2ND MTG WITHIN 30 DAYS OF 5/20/20 CONF

1/11/22:(mk) atty email that he is filing motion and a MP. Once he files these ,he will upload an adj request for this motion.
Matter ResolvedRequest
Adjourment
201/19/2022 9:00 am18-23307 / CMGWilliam H. Oliver, Jr., Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramContinued
2/16/2022 9:00 am
Total Paid In: $22,560.00
Avil Holding LLC obj (KML)<>MTN LOSS MIT

>>MP on 1/19/22- REC DISMISSAL
Matter ResolvedRequest
Adjourment
211/19/2022 9:00 am18-23307 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/16/2022 9:00 am
Total Paid In: $22,560.00
Motion To Participate in Loss Mit filed and on for 1/19/22. Creditor Objection (#110)

>>MP on 1/19/22- REC DISMISSAL

Debtor obj<>FAILED TO LM BY 4/30/21.

Mk Obj. says mtg was transferred. Will file MP for LM with new company
Matter ResolvedRequest
Adjourment
221/19/2022 9:00 am18-27689 / CMGPhillip L. Lucas, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $28,581.00
ARREARS as of 1/12/22 $600 .last pay 1/6/22

RECAP is 28,580.60 PTD ,Then $781 x 20 begin 2/1/22. -email to atty on 1/12/22. OK to Terms
Matter ResolvedRequest
Adjourment
231/19/2022 9:00 am18-30935 / CMGRobert Manchel, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $24,062.00
1/11/22(mk) Atty ok to terms for TR order

Debtor obj, made pymts & request recap<> ARREARS

1/10/22(mk); Atty email Debto made 1200 payment 1/6. will make another 1200 by 1/28/22 Then recap begin Feb.

>>MK email Reply: PTD, 22,861.50; $1200 by 1/28/22: Then $1,377 x 21 Begin 2/1/22; Debtors to sign up for TFS w/in 30 days**

1/19/22:Mk PTD updated 24,061.50 then 1377 x 21

Matter ResolvedRequest
Adjourment
241/19/2022 9:00 am18-33883 / CMGPETER E ZIMNIS, ESQCreditor Certification of DefaultWithdrawnTotal Paid In: $8,581.00
Debtor obj<> WELLS FARGO/Deutz Ave (Brock and Scott)
Matter ResolvedRequest
Adjourment
251/19/2022 9:00 am18-33979 / CMGWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $20,128.00
Debtor obj<> CARRINGTON/Richard Rd (Hill Wallack)

1/18/22(mk):Agreed Order is being entered into. Post-petition arrears in the amount of $3,958.81 to be added to ch13 Plan. $200.00 COD fee to be added to the plan as well. Thank you.
Matter ResolvedRequest
Adjourment
261/19/2022 9:00 am18-34500 / CMGJEFFREY E JENKINS ESQMotion Relief from Stay (Fee)GrantedTotal Paid In: $12,177.00
RENAISSANCE GLEN/Marc Crive (HABER SILVER SIMPSON)
Matter ResolvedRequest
Adjourment
271/19/2022 9:00 am19-11710 / CMGJames DiMaggio Trustee Certification of DefaultContinued
2/2/2022 9:00 am
Total Paid In: $37,917.00
1/18/22(mK :UPDATED

APOC BY IRS FILED AND JUST SET UP . NOW PLAN BALNACE CHANGED SO TERMS FOR ORDER NEED TO CHANGE

$37,917, PTD Then needs 2437 x 48 begin 2/1/22 BETTER TO ADJ TO 2/2/ AND LET PAYMENT POST THEN RECAP


1/18/21: atty says debtor TFS making a payment. Terms below still apply.
TR Order- atty ok to that

Debtor obj, made pymt<>ARREARS as of 1/11/22 are 2,300

>Case will complete timely if debtor continues to make regular payment.
TR for PTD 37,917. then 2300 x 48 begin 2/1/22. TFS

OR IF makes Jan payment before hearing debtor will be current.
Matter ResolvedRequest
Adjourment
281/19/2022 9:00 am19-20269 / CMGKevin Fayette, EsqTrustee Certification of DefaultDismissedTotal Paid In: $28,135.00
Mk: atty ok to Dismiss

As of 1/11/22(mk): arrears $9,965. Only payment made since July was 500 on 12/2021.


Debtor obj, can pay $3,000 and requests recap<> ARREARS

12/8/21(mk): Arrears $8,730. Last pay 7/6/21 NEED PAYMENT BEFORE ANY REACP- email to atty
Matter ResolvedRequest
Adjourment
291/19/2022 9:00 am19-21588 / CMGSTEPHANIE RITIGSTEINMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $8,900.00
1/10/22(mk): applicatin for Amended LM order to address Post pet arrears filed . obj deadline 1/18/22. The Amended order will take care of issue.

Debtor obj<>FAILED TO ADDRESS POSTPET ARREARS/LM ORDER DID NOT ADDRESS

1/6/22(mk): D. Carlon for mtg co says LM was to cover pre nad post pet arrears. Advised atty clayman that we need an amended LM order that checks second box in parg 4


12/28/21;(mk): Mrs.McKnight called and left voicemail, She is confused as to why we filed the motion as she is up to date on Tr and Mtg payments and arrears were to be added to back of loan on LM. The last 2 digits of her telephone # were cut off . I emailed jenkins & Clayman and requested they reach out to the client and file some opp'n to this motion.

12/30/21: atty letter to creditor atty D. Carlon to see if the APOC covers both pre and post petition arrears
Matter ResolvedRequest
Adjourment
301/19/2022 9:00 am19-21883 / CMGJOSEPH M PINTO ESQMotion Relief from Stay (Fee)GrantedTotal Paid In: $10,974.00
BANK OF AM/Stokes Rd (FRENKEL LAMBERT)
Matter ResolvedRequest
Adjourment
311/19/2022 9:00 am19-22231 / CMGCANDYCE I SMITH-SKLAR, ESQOrder Shorten TimeGrantedTotal Paid In: $14,828.00
>>OST<<

MTN TO REINSTATE STAY/CITY OF TRENTON
Matter ResolvedRequest
Adjourment
321/19/2022 9:00 am19-23889 / CMGGeorge E Veitengruber IIITrustee Certification of DefaultTrustee OrderTotal Paid In: $10,126.00
1/11/22(mk): arrears $1,391 last pay 1/4/22

Recap is 10,126 PTD, then 470 x 27, begin 2/1/22. debtor to sign up for
ewage w/in 30 days.- email to atty- Atty ok to terms


1/3/22(mk): atty email has confirmation payment for 800 delivered 12/31. see if posts by hearing date

Debtor obj, made pymt<> ARREARS 1,767 as of 12/30/21.Last pay 10/27/21- email to atty
Matter ResolvedRequest
Adjourment
331/19/2022 9:00 am19-24956 / CMGGeorge E Veitengruber IIIMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $62,385.00
Debtor obj<>LAKEVIEW LOAN/ Azalea Circle (McCABE, WEISBERG)

MK:MP(#35) filed 12/9/21 to add PP Mtg arrears thru plan

12/30/21(mk);Order submitted to chambers today.
Matter ResolvedRequest
Adjourment
341/19/2022 9:00 am19-25541 / CMGJOAN S. WARREN, ESQ.Motion Relief from Stay (Fee)Continued
3/2/2022 9:00 am
Total Paid In: $40,412.00
Debtor obj<>COMMUNITY LOAN / Rt. 46, Buttzville, (FEIN, SUCH)

MK: Loss Mit review pending .
Matter ResolvedRequest
Adjourment
351/19/2022 9:00 am19-25987 / CMGSEYMOUR WASSERSTRUM, ESQCreditor Certification of DefaultContinued
2/2/2022 9:00 am
Total Paid In: $44,982.00
Debtor obj<> BSI/E. Second St (Pincus)

TR ARREARS $7,620
Matter ResolvedRequest
Adjourment
361/19/2022 9:00 am19-26831 / CMGJames J. Cerbone, Esq.Trustee Certification of DefaultContinued
2/16/2022 9:00 am
Total Paid In: $10,717.00
Debtor obj, can pay<> ARREARS as of 1/12/22 $2,864.50. Last pay 10/25/22
Matter ResolvedRequest
Adjourment
371/19/2022 9:00 am19-29167 / CMGLEE M PERLMAN, ESQTrustee Certification of DefaultTrustee OrderTotal Paid In: $16,793.00
1/11/22(mk: Last payment was on 12/17/21 so arreas as of this date are 568 and plan is 100% so to complete on time RECAP IS SAME AS IT WAS IN 1/4/22 below- ATTY OK TO TERMS

1/4/22: The Recap is $16,793 PTD, Then 892 x 33 months begin 2/1/22. Debtor to sign up for ewage email to atty
atty says she made another payment- not posted yet can adj to 1/19/22



Debtor obj, made pymt<> Arrears: 12/20/21:pid 2,584 curren tthru dec. Jan payment due


MK:per AMT: Arrears cured but 100% plan needs recap due to #1-2 deficiency clm (was $0 arrearage at conf)





Matter ResolvedRequest
Adjourment
381/19/2022 9:00 am19-29587 / CMGJohn Michael McDonnell Order Shorten TimeWithdrawnTotal Paid In: $14,431.00
AMT; Sale contractually cancelled<<>>

AR NOTE NO APPEARANCE AT 9 WAITING FOR ATTY TO RESPOND
>>OST<<

MTN TO SELL McKINLEY AVE

TR OBJECTION:Cert in support of Motion is by Atty. No retention of realtors.

Order does not set forth the amt of debtors' claimed exemption .
Parga. 6 checks off proceeds for balance of plan.

below median. case has run26 mos. No gucs.
Matter ResolvedRequest
Adjourment
391/19/2022 9:00 am19-29721 / CMGBRUCE W RADOWITZ ESQTrustee Certification of DefaultContinued
2/2/2022 9:00 am
Total Paid In: $29,760.00
Debtor obj<> ARREARS 11,210 as of 1/11/22. Last payment 10/22/21
Matter ResolvedRequest
Adjourment
401/19/2022 9:00 am19-29950 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $7,367.00
Debtor obj<>MIDFIRST BANK / Twyford Lane (KML)
Matter ResolvedRequest
Adjourment
411/19/2022 9:00 am19-30375 / CMGLEE M PERLMAN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/2/2022 9:00 am
Total Paid In: $12,875.00
mk: contested motion to reinstate on 2/2/22 and debtor needs to make some payments.

debtor opp'n(#78) ARREARS $4,451.50 as of 1/11/22. last pay 10/8/21

>>MOTION TO REINSTATE STAY ON 2/2/22- CONTESTED

>ALSO STAY VACATE ORDER ON 11/4/21 FOR 604 Seaman Drive ( only bal of atty fees left to be paid 149.55

mk: due to SV- need to reinstate stay then recap
Matter ResolvedRequest
Adjourment
421/19/2022 9:00 am19-33224 / CMGSTEVEN J ABELSON, ESQMotion Relief from Stay (Fee)Continued
2/2/2022 9:00 am
Total Paid In: $15,289.00
Debtor obj<>FAY SERVICING/Barnacle Rd (FRIEDMAN VARTOLO)
Matter ResolvedRequest
Adjourment
431/19/2022 9:00 am20-10066 / CMGWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultContinued
2/2/2022 9:00 am
Total Paid In: $16,942.00
Debtor obj<> NATIONSTAR/Paulison Ave (LOGS)

Mk: creditor adj request to 2/2/22 for Consent Order
Matter ResolvedRequest
Adjourment
461/19/2022 9:00 am20-10563 / CMGWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultContinued
2/2/2022 9:00 am
Total Paid In: $14,999.00
Debtor obj<> PHH//Orange Drive (ras)


mk Debtor says borrowing from 401(k)plan. if taking a loan , needs motion to allow. If distribution. Ok
Matter ResolvedRequest
Adjourment
441/19/2022 9:00 am20-10563 / CMGWilliam H. Oliver, Jr., Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
2/2/2022 9:00 am
Total Paid In: $14,999.00
MTN TO SUSPEND TRUSTEE PAYMENT FOR TWO MONTHS

MK: request to suspend for Jan & Feb. them recap begin March.
arrears as of 12/20 are $988 then add in Jan Payment and Feb payment the recap for MARCH would not be feasible.
Should consider MP covid extend. Debtor also has PP mtg arrears. need to know how this will be addressed. Debtor says borrowing from 401(k)plan.

NEED TO RESOLVE Creditor Cert and motion for late claim as that will affect recap

Motion to allow POC #16 filed & on for 2/16/22 for $801



Matter ResolvedRequest
Adjourment
451/19/2022 9:00 am20-10563 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/2/2022 9:00 am
Total Paid In: $14,999.00
1/18/22(mk): Motion to Allow Late Claim of NY ($801)filed on for 2/16/22.

Debtor obj, can make pymts<>ARREARS/ NY STATE LATE FILED CLM #16-1; FAILED TO PROVIDE UPDATE POI BY 5/15/21( Unemployment proof uploaded for Debtor- nothing for co debtor- what's her employment status?)

>STILL NEEDS TO ADDRESS LATE FILED CLAIM OF ST OF New York


1/17/22(mk): Arrears $1,497 Last pay 12/14/21


>>Filed motion to suspend Trustee payments on for 1/19/22. Obj.Nor feasible

>>Creditor Cert of Default hearing on for 1/19/22
Matter ResolvedRequest
Adjourment
471/19/2022 9:00 am20-11670 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $19,790.00
Debtor obj<>PENNYMAC/Middleton La (Fein Such)
Matter ResolvedRequest
Adjourment
481/19/2022 9:00 am20-12901 / CMGKARINA PIA LUCID, ESQ.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $11,016.00
MTN TO APPV PAYMENT DEFERRAL


mk: Motion filed by creditor and Cert in support of Motion signed by debtor- debtor app'd for deferral agreement letter for total $35,647.40. Order just provides approval for deferral agm't b/w creditor and debtor.
Suppl POC for Cares Forbearance Act filed 11/15/21-
Matter ResolvedRequest
Adjourment
491/19/2022 9:00 am20-13668 / CMGSTEPHANIE SHRETER, ESQMotion for Request for Loss MitigationGrantedTotal Paid In: $3,850.00
MTN TO REQUEST LOSS MIT
Matter ResolvedRequest
Adjourment
501/19/2022 9:00 am20-14594 / CMGSCOTT M WILHELM, ESQMotion Relief from Stay (Fee)Continued
2/2/2022 9:00 am
Total Paid In: $6,916.00
Debtor obj<>BSI FINC - Bates Street (GREENPOON MARDER)
debtor requests adj to 2/2/22

------------
this info below is not correct


11/18/21: Proposed order Granting stay relief submitted as it was missing from motion. need to see if opp'n is filed--IT WAS ON 11/30

12/29/21: MP Covid extend filed.


Matter ResolvedRequest
Adjourment
511/19/2022 9:00 am20-15802 / CMGKevin Fayette, EsqMotion Relief from Stay (Fee)Continued
5/4/2022 9:00 am
Total Paid In: $5,250.00
Debtor obj<>NEWREZ/SHELLPOINT/Cartlidge Ave (ROBERTSON, ANSCHUTZ)



1/18/22(mk): Interim Order submitted. Adjourns motion to 5.4.22 for The parties have discussed this matter, and opted to adjourn Secured Creditor's Motion to Judge Gravelle's May 4, 2022 hearing date while the Debtors apply for a Partial Claim Modification.
Matter ResolvedRequest
Adjourment
521/19/2022 9:00 am20-17796 / CMGCANDYCE I SMITH-SKLAR, ESQTrustee Certification of DefaultContinued
2/16/2022 9:00 am
Total Paid In: $13,955.00
1/14/22: atty email- pd 2190. needs to post

1/11/22(mk): arrears $3,240. Last 12/15/21


12/28/21(mk): email says debtro made 2000 payment on 12/15/ and will pay rest by 1/3/22.

Debtor obj, made pymt<> ARREARS $2,190 as of 12/27/21. made recent payment 12/15/21for 2,000
Matter ResolvedRequest
Adjourment
531/19/2022 9:00 am20-18171 / CMGWilliam H. Oliver, Jr., Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $6,315.00
AMT: MP 1/19< HR<
mk; marked w/d on 1/18/22.

Atty filed obj, filing MP<> ARREARS $1,,677 as of 1/5/22
Matter ResolvedRequest
Adjourment
541/19/2022 9:00 am20-18437 / CMGDaniel Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/16/2022 9:00 am
Total Paid In: $10,932.00
debtor opp'n>1/12/22(mk): ARREARS 6,278.20. last pay 12/29/21

SV Motion by Flagstar bank on 3/16/22

need to know how SV motion will be resolved before a Recap
Matter ResolvedRequest
Adjourment
551/19/2022 9:00 am20-21949 / CMGDaniel Straffi, Esq.Motion to Approve Loan ModificationOrder Previously SubmittedTotal Paid In: $7,200.00
Trustee limited obj, form of order<>MTN TO APPROVE LM

12/30/21(mk): Revied proper order submitted to chambers

1/1/22: REVISED ORDER PUT ON DOCKET (#45) IT NEEDS TO BE EMAILED TO CHAMBERS AND COPY ORDERS@RUSSOTRUSTEE.COM-email to atty
Matter ResolvedRequest
Adjourment
561/19/2022 9:00 am20-22363 / CMGJames J. Cerbone, Esq.Motion Relief from Co-Debtor StayConsent Order to be SubmittedTotal Paid In: $10,802.00
Debtor obj<>PHH MTG/Bark St (ROBERTSON, ANSCHUTZ)


1/14/22(mk):COTBS. Post-arrears as of 1/12/22= $6,874.52. Debtor to make $3K lump sum to creditor directly, roll remaining $3,874.52 into Plan, and recommence ongoing payments directly 2/1/22.

Matter ResolvedRequest
Adjourment
571/19/2022 9:00 am20-23476 / CMGAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $3,485.00
MP FILED ON FOR 1/19/22- removes LM- >>HR<<

Debtor obj, filing MP<>FAILED TO LM BY 9/5/21; FEASIBILITY DUE TO SUPP ORDERS


MK: Debtor deceased and family member to continue case- NEED MOTION TO CONTINUE ADMINISTRATION- email to atty & attached our sample forms for the motion.
Matter ResolvedRequest
Adjourment
581/19/2022 9:00 am21-11242 / CMGKevin Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/16/2022 9:00 am
Total Paid In: $6,300.00
1/12/22(mk):NEED STATUS ON LM- trial LM complete and debtor & atty have had issues w/ mtg co to finalize

Debtor obj, in trial mod; per plan to Hamilton not owed>FAILED TO LM BY 8/15/21; FAILED TO ADDRESS PER HAMILTON TWP PER PLAN CLM

mk: once get LM will file MP
Matter ResolvedRequest
Adjourment
591/19/2022 9:00 am21-11993 / CMGROBERT C NISENSON ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/16/2022 9:00 am
Total Paid In: $2,000.00
adj to 2/16/22 -NFA- Peremptory


AT: MP 1/19/22<>>ADJ PEREMPTORY to 2/16/22 so I will do sma eon TR Motion

Debtor obj<>FAILED TO COMPLETE LM BY 6/30/21

9/29/21(mk: per atty they just found out Loss Mit was closed and will amended plan to do LM Outside.
Matter ResolvedRequest
Adjourment
601/19/2022 9:00 am21-12160 / CMGEdward Nathan VaismanNotice of Hearing (Upload)Converted to 7 / 11
1/18/22(mk): atty email for 2nd call. I replied Ct decides these - ATTY SAYS WILL RECONCVERT TO CH 7 . CT WILL ENTER THE ORDER

FAILURE TO FILE SCHEDULES POST CONVERSION

Mk: Case to be reconverted to a ch 7
Matter ResolvedRequest
Adjourment
611/19/2022 9:00 am21-12784 / CMGJose R. Torres Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/2/2022 9:00 am
Total Paid In: $3,820.00
1/18/22(mk): atty has proof of 2000 payment that will come out on 1/20/22 and is working on the Consent order.


FAILED TO FILE CONS ORDER WITH NJ DIV TAX WITHIN 30 DAYS OF 9/1/21 CONF; ARREARS 2,000 as of 1/12/22 last pay 9/24/21

Matter ResolvedRequest
Adjourment
621/19/2022 9:00 am21-14868 / CMGCARRIE J. BOYLE, ESQ.Motion Relief from Stay (Fee)Order to be Submitted
MK: been told there will be OTBS ON this . NEED TO KNOW TERMS.

AR NOTE SEE CONF PRIMARY ISSUE -VALUATION , 2ND ISSUE USE OF CAR BY DEBTOR DAUGHTER

MP on 1/19/22>ISSUES/OBJECTIONS- EVIDENYIARY HEARING ON AUTO VALUE IF NOT RESOLVED

Debtor obj<> HYUNDAI/2018 Kia Soul (Morton)

Matter ResolvedRequest
Adjourment
631/19/2022 9:00 am21-15274 / CMGPAUL H YOUNGMotion to Approve Loan ModificationOrder Previously SubmittedTotal Paid In: $4,570.00
Trustee obj, form of order<>MTN TO APPROVE LM

1/12/22(mk); Revised order submitted.
Matter ResolvedRequest
Adjourment
641/19/2022 9:00 am21-15463 / CMGCANDYCE I SMITH-SKLAR, ESQNotice of Request for Loss MitigationGrantedTotal Paid In: $6,905.00
REQUEST FOR LOSS MIT
Matter ResolvedRequest
Adjourment
651/19/2022 9:00 am21-15798 / CMGCANDYCE I SMITH-SKLAR, ESQMotion Relief from Stay (Fee)Continued
3/2/2022 9:00 am
Total Paid In: $700.00
Debtor obj<>CITIMTG/Frontage Road (POWERS)


MK:needs motion to approve LM
Matter ResolvedRequest
Adjourment
661/19/2022 9:00 am21-15798 / CMGCANDYCE I SMITH-SKLAR, ESQNotice of Request for Loss MitigationMootTotal Paid In: $700.00
Citimtg obj ( Powers)<>REQUEST FOR LOSS MIT


Mk:debtro has a LM needs to file a motion
Matter ResolvedRequest
Adjourment
671/19/2022 9:00 am21-16661 / CMGWilliam H. Oliver, Jr., Esq.Motion Motion (Generic) - Only use if no other event is applicableWithdrawnTotal Paid In: $307.00
1/17/22(mk: atty email - will w/d this motion and go w/ TR Order on Tr Cert

MTN TO SUSPEND TRUSTEE PAYMENTS (for 4 mos)

that would be From Oct - Jan and begin paying at recap. amt Feb 1,2022. $339 begin 2/1/22.
Tr Obj>:This did not need to be filed - could do a recap on TR Cert. w/out excess atty fees ?nd get to the same result
Matter ResolvedRequest
Adjourment
681/19/2022 9:00 am21-16661 / CMGWilliam H. Oliver, Jr., Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $307.00
Debtor obj, filing mtn to suspend pymts<> ARREARS


MK: Can do a Recap w/ a TR Order .

$307 PTD, Then 339 x 43 begin 2/1/22.- OK TO TERMS(MK)-1/17/22
Matter ResolvedRequest
Adjourment
691/19/2022 9:00 am21-17504 / CMGGeorge E Veitengruber IIIMotion Motion (Generic) - Only use if no other event is applicableDenied
ATTY WILL APPEAR AT NOON FOR JUDGE TO HEAR

1/18/22(mk): STATE CT. RULLED NO EXTENDING REDEMPTION PERIOD. ATTY WILL APPEAR AND ASK JUDGE TO RULE ON MOTION.

1/12/22(mk); HEARING IN STATE CT.TO EXTEND REDEMPTION PERION NOW ON 1/21/22. Atty trying to move it up now that have SV order for St. Ct Litigation to proceed. Will update me when he knows.

MTN AUTHORIZING DEBTOR TO ENTER INTO POST-PET TAKE OUT FINANCING

>>MK: need to know result of St Ct Motion on 12/17/21 to extend redemption period. WAS ADJOURNED TO 1/7/22 BY ST CT JUDGE.

>>NEED TO KNOW DATE /RESOLUTION OF ST. COURT PROCEEDING REGARDING EXTENSION OF RIGHT OF REDEMPTION
Matter ResolvedRequest
Adjourment
701/19/2022 9:00 am21-18947 / CMGBRUCE C TRUESDALE ESQMotion Relief from Stay (Fee)Granted
HIGHVIEW PROPERTIES AT SAYREVILLE/Klimek Place (EHRLICH, PETRIELLO).

Conf.on 2/16/22
Matter ResolvedRequest
Adjourment
711/19/2022 9:00 am21-19840 / CMGPAUL H YOUNGMotion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
721/19/2022 10:00 am17-23076 / CMGROBERT C NISENSON ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 56 of 55 required payments   Arrears: $0  
Total Paid In: $11,200.00
AS of 1/7/22(mk):email to atty-ok to terms


**CAN REC CONFIRM AT $11,200 PTD, THEN $200 X 5 , BEGIN 2/1/22; BASE , Plus nonexempt proceeds ($35,000)from property settlement agreement if received by debtor prior to the case being closed. If the proceeds have not been received by debtor by the time of case closure, then, after debtor submits a certification as to the status of proceeds and if they are uncollectible, debtor's plan shall be deemed complete, and debtor will be eligible for a discharge**


MP proposes $11,000 PTD; $200 X 5 BEG 1/2022; BASE
DEBTOR ENTITLED TO DISCHARGE IF FAILED N/E PROCEEDS FROM PROPERTY SETTLEMENT

Plan has run 55 mos and 5 remain
Matter ResolvedRequest
Adjourment
731/19/2022 10:00 am17-24681 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 30 of 54 required payments   Arrears: $0  
Total Paid In: $26,043.00
MK: atty agrees to terms - Put on record.

As of 1/18/22 (DS): Need to confirm at $26,042.50 paid, $645 x 19 begin 2/1/22; Base
- Section 3(a) attorney fees to be stricken and not paid.
- Add to confirming order Trustee ok to pay the arrears claim#16-1 of NJ Division of Taxation.
- Hazlet Sewer claim#26-1 to be paid secured as per OTBS.
- NJ Water claim#25-1 to be treated as admin, revised order on motion to be submitted.

1/18/22> Revised Order to be submitted to treat POC #25 NJ water PP claim as admin claim. Hazlet Sewer POC (#26)will be pd and treated as secured per the Order that will be entered on the motion.

As of 1/12/22 (DS): Issues not resolved: NJ American Water claim filed by Debtor attorney is unsecured. Plan has to be paid as secured, Motion to allow late claim sched 1/19/22 with Trustee obj needs order to direct if secured or priority thru plan. To date has not been resolved.

As of 12/13/21 (DS): Debtor attorney requested adjournment for motion sched 1/19/22

12/10/21 (mk): 1. Motion filed for late claim (PP) for NJ American Water returnable 1/19/22. MP has this as a secured POC. The POC filed by Debtor's atty has it as an unsecured claim. Prop. Order on the motion does not set forth if Tr is to pay the claim as secured, priority or guc. Needs clarification. 2. Hazlet claim - MP has them for PP claim. Orig. plan had $202 as a per plan claim. MP now has that same amt. So is it pre or post-petition and need motion / order if Tr is to pay.

As of 12/8/21 (DS): 1. Mod plan issues:
- Plan adds post-pet arrears to Hazlet Twp Sewer and NJ America Water, but no claims or orders entered to pay. CLAIMS FILED MOTIONS SCHED 1/19/22.
- Plan still has attorney fees $4,160, will need to be stricken and not paid.
- State of NJ claim not in plan, needs to be paid.

MP Prop $645 x 21 begin 11/1/21; Base
- Extends plan due to covid, adds mortgage (SN Servicing), sewer (Hazlet MUA) and water (NJ American Water) arrears.
Note: All income and 2020 tax return provided
Matter ResolvedRequest
Adjourment
741/19/2022 10:00 am17-25063 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
2/16/2022 10:00 am
Debtor has made 50 of 54 required payments   Arrears: $1,877.00  Total Paid In: $55,344.00
Mk: 1/19/22:creditors says loan has matured and need total amt due and will amended claim- so all that is owed is now due and debtor will work on CO or if need be will file a MP



1/11/22 - Trustee Conduit Obj filed (dm)
issues as of 1/5/2022 (JMA)

1) Need to provide proof of social security and pension income. The proof was last provided in 2017. PROVIDED PROOF OF CURRENT 2022 SOCIAL SECURITY INCOME, STILL NEED PENSION INCOME
2) JP Morgan Chase Bank - certification of default
3) Debtor filed objection to creditors certification of default - lost income due to COVID, filed modified plan scheduled for 1/5/2022
4) Need order to pay post petition taxes

proposed plan $500x30 begin 12/1/2021 100% plan
paid in $55,344
extended plan to 82 months, 28 months to go


Matter ResolvedRequest
Adjourment
751/19/2022 10:00 am18-23307 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
2/16/2022 10:00 am
Debtor has made 38 of 42 required payments   Arrears: $591.00  Total Paid In: $22,560.00
1/5 workup for the 1/19 calendar EDC

*Trustee objection:
MP extends LM to 4/30/22--no loan mod in 3 years
-previous plan extended LM to 4/21 with language that case was to be dismissed in no loan mod by that time
-change in mortgagor should have no bearing on lack of LM in 3 years
-only $50 in other creditors. Should be dismissed and get LM outside


Matter ResolvedRequest
Adjourment
761/19/2022 10:00 am19-17501 / CMGEric ClaymanConfirmation Hearing on Modified PlanContinued
2/16/2022 10:00 am
Debtor has made 27 of 33 required payments   Arrears: $312.00  Total Paid In: $9,960.00
ISSUES AS OF 1/12/2022 (DM):

1) MP failed to remove $1,914 cure treatment in Part 4b and lease assumption in Part 6 with Bayville Holdings - stay is vacated (UNRESOLVED).

2) MP fails to list Liberal Finance in the surrender section Part 4e (UNRESOLVED).


Confirm Case: $2,246.85 Ptd, $350 x 43 start 4/1/20, 0%
Prop. MP: $9,625.11 Ptd, $365 x 4 start 1/1/22, Base
PTD = $9,960.39
Last Claim (11-1) dated 6/20/19
Matter ResolvedRequest
Adjourment
771/19/2022 10:00 am19-23916 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing on Modified PlanContinued
2/16/2022 10:00 am
Debtor has made 20 of 30 required payments   Arrears: $6,228.00  Total Paid In: $19,730.00
ISSUES AS OF 1/12/2022 (DM):

1) MP provides $5,647 arrears treatment to Santander - creditor filed an amended claim for $2,851.13 and Trustee has paid $1,942.47 with a balance of $908.66 to be paid (PAY PER POC?)

2) Trustee OBJ:
- Need amended Sch I&J
- Need updated proof of income
- Need CARES Act Cert (FILED 1/18/22)


Confirm Case: $705 Ptd, $942 x 43 start 1/1/20, 100%
Prop. MP: $18,230 Ptd, $385 x 55 start 1/1/22, 100%
PTD = $19,730
Last Claim (7-2) dated 11/9/20
Matter ResolvedRequest
Adjourment
781/19/2022 10:00 am19-24956 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledConfirmedDebtor has made 24 of 29 required payments   Arrears: $0  
Total Paid In: $62,385.00
1/18/22(mk): reworked as PP arears were added 2x on WS- Atty ok to terms

** Needs to confirm at $62,385 PTD, Then 2,888 x 36 Begin 2/1/22 100%


-OTBS on MFR-terms? entered 1/7/22 .That was on WS

1/14 workup for the 1/19 calendar EDC

***-to confirm it would need $62,385 paid then $2945 x 37 beg 1/1/22-100%



Trustee objection:

-MP changes from 100% to a base? 122C requires 100% based on income. Failure to make post-petition payments on mortgage and trustee is not sufficient reason to change from 100%

-to confirm it would need $62385 paid then $2945 x 37 beg 1/1/22-100%


Matter ResolvedRequest
Adjourment
791/19/2022 10:00 am19-31755 / CMGSTACEY L MULLEN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 23 of 26 required payments   Arrears: $0  
Total Paid In: $25,700.00
AS OF 1/12/2022 (at):

RECOMMEND: $25,700 PAID TO DATE, $1,500 x 4 BEGINNING 2/1/2022, 100% TO UNSECURED CREDITORS
(balance to complete is $5,751)

MP proposes: $25,700 paid to date, $1,500 x 2 beginning 12/1/2021, 100% to guc's
Arrears: $1,800
Matter ResolvedRequest
Adjourment
801/19/2022 10:00 am19-32024 / CMGJoan Sirkis Warren Confirmation Hearing on Modified PlanConfirmedDebtor has made 24 of 26 required payments   Arrears: $0  
Total Paid In: $9,650.00
1/6 workup for the 1/19 calendar

LM approved-Mp removes LM

CONFIRM AT:
$9650 paid then 400 x 34 beg 2/1/22 pro rata
(60 months)
Matter ResolvedRequest
Adjourment
811/19/2022 10:00 am20-18171 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 13 of 18 required payments   Arrears: $0  
Total Paid In: $6,315.00
1/18/22:mk: atty ok to terms

1/18/22(mk) : Updated: Income on original sch I was 4,539. Amended I has 4,297.25 and we verified at 4,020.04. on expenses-Atty says re expenses: HH went for 3 to 2 as debtor's mom is now in nursing home and therefore no longer contributing to expense so they went up and she fell behind. mk -OK

**CAN REC CONFIRM AT $6,315 PTD, Then $239 x 42, Begin 2/1/22: 0%; Student loans outside; Plan extended to total 60 mos.**


----------------------
As of 1/13/22 (DS): Recommend confirming at $6,315 paid, $375 x 42 begin 2/1/22; Base and Student loans to be treated outside

1. AMENDED SCHEDI I & J FILED ISSUES:
- THERE WAS NO DECREASE OF INCOME. INCOME WENT FROM $3,671.35 TO $4,020.04, HOUSEHOLD WENT FROM 3 TO 2.
- EXPENSES WERE INCREASED: ELECTRIC/GAS $400 WAS $220, TELE/CELL/INTERNET $497, TRANSPORTATION $578 WAS $445 AND AUTO INSURANCE $203 WAS $169 (VERIFIES $188).
- HOUSEHOLD WENT FROM 2 ADULTS & TODDLER AND IS NOW 1 ADULT & 1 TODDLER.
- CASE PREVIOUSLY $474 MONTHLY. THERE WOULD BE $764.96 DISPOSABLE INCOME DUE TO EXCESS EXPENSES.

1/5/22 (DS): 1. Debtor in arrears $1,677. Mod plan adds additional months and decreases Trustee payment, but no explanation as to why Debtor is in arrears.

2. Mod plan is increasing the months from 36 to 60 months, Debtor is in arrears $1,434, Trustee
cert of default scheduled 1/5/22. The mod plan does not give reason why increasing the months
and reducing the Trustee payment from $474 to $231 plus marks off that amended Schedules I &
J to be filed, but no amended Schedule I & J has been filed. SCHED J FILED INCREASES EXPENSES FOR ELECTRICITY/GAS/CABLE/INTERENET $400 WAS $220, TELE/CELL/INTERNET/CABLE $497 WAS $468 (PREVIOUSLY LISTED IN 1ST CONF OBJ), TRANSPORTATION $578 WAS $445 (ALSO IN 1ST CONF OBJ) AND AUTO INSURANCE $203 WAS $169. THERE WOULD BE DISPOSABLE INCOME $764.96

MP Prop $231 x 46 begin 12/1/21; $0
- Extends plan from 36 months to 60 months and decreases Trustee payment from $474 to $23
Matter ResolvedRequest
Adjourment
821/19/2022 10:00 am20-23218 / CMGJOHN ZIMNIS, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 12 of 13 required payments   Arrears: $525.00  Total Paid In: $6,200.00
AS OF 1/4/22 (SF)

RECOMMEND $6200 PTD, $525 X 24 (BEGIN 1/1/22) BASE PLAN
- STUDENT LOANS TO BE PAID OUTSIDE PLAN


MP proposes $5675 PTD, $525 X 25 BASE
Loan Mod approved
Plan has run 13 months with 23 months remaining

Matter ResolvedRequest
Adjourment
831/19/2022 10:00 am20-23476 / CMGAndrew Thomas Archer Confirmation Hearing on Modified PlanConfirmedDebtor has made 14 of 13 required payments   Arrears: $0  
Total Paid In: $3,485.00
As of 1/18/22(mk):

**CAN REC CONFIRM AT $3,188.50 PTD, Then $296 x 47 Begin 2/1/22;100%; Amended I & J and updated proof of income w/in 60 days.


Trustee Objection:
No amended I & J filed. There is an order to continue admin after death of debtor so we need amended schedules and updated POI



Mp Proposes$296 X 49 BEG 12/2021; BASE
PLAN PAYMENT INCREASED. LM removed it has expired.
Plan has run 13 mos and 47 remain
Matter ResolvedRequest
Adjourment
841/19/2022 10:00 am21-10194 / CMGLEE M PERLMAN, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 18 of 12 required payments   Arrears: $0  
Total Paid In: $11,611.00
1/10 workup for the 1/19 calendar EDC

-amended I & J
-rec. loan mod

CAN CONF AT $11,611.12 paid then $367 x 49 beg 02/01/2022-Nationstar outside due to loan modification-min of $22,580 due to equity
Matter ResolvedRequest
Adjourment
851/19/2022 10:00 am21-11993 / CMGROBERT C NISENSON ESQConfirmation Hearing on Modified PlanContinued
2/16/2022 10:00 am
Debtor has made 10 of 10 required payments   Arrears: $0  
Total Paid In: $2,000.00
As of 1/14/22 Debtor attorney requested another adjournment, adjourned peremptory, no further adjournments

As of 1/12/22 (DS) 1. PNC Bank 1st mtg (DENISE CARLON) obj not resolved.

2. Plan is proposing loan mod with 1st mtg to be treated outside and does not propose to pay arrears. Due to loan mod being treated outside, Trustee is required to pay mortgage arrears $21,125.34. ?

As of 11/24/21 Debtor attorney requested adjournment to resolve creditor objection

12/1/21 (DS): 1. PNC Bank 1st mtg (DENISE CARLON) obj to mod plan propose loan mod and arrears not paid. Obj must be resolved, emailed Debtor attorney.

2. Plan is proposing loan mod with 1st mortgage to be treated outside and does not propose to pay arrears. Due to loan mod being treated outside, Trustee is required to pay mortgage arrears $21,125.34.

3. PNC Bank, 2nd mtg (FEIN SUCH KAHN & SHEPARD) obj to plan silent on paying arrears $1,086.78. Obj must be resolved. OTBS pay arrears claim and Debtor will maintain regular payments. C/O entered 11/23/21 to pay arrears.

MP Prop $1,400 Paid; $200 x 57 begin 11/1/821; Base and LM on Ash St within 3 months from conf outside
- Debtor working with secured creditor on a loan mod outside the bankruptcy case.
Matter ResolvedRequest
Adjourment
861/19/2022 10:00 am21-12347 / CMGANDRE L KYDALA ESQConfirmation Hearing ScheduledContinued
2/16/2022 10:00 am
Debtor has made 7 of 10 required payments   Arrears: $4,500.00  
AR RESOLVE OR HOLD
As of 1/11/22(mk):

1. Objection by JP Morgan Chase(Fein Such): 2 plans filed in 1 doc

2. Trustee Objection,
- need updated Proof of income to support Amended I &J
-plan may not be feasible. To cover the pre and post-petition mtg arrears of #131,842.53 plus tr commission, as of this date , the second tier would need to be $2771 x 48
7/10 payments. Arrears $4500

needs PTD 10.500, 1500 x 2 begin 2/1/22 then $2,771 x 48 begin 4/1/22.


Plan:$1500 X 12; $2400 X 48; BASE
7/10 payments
last claim1-1 bar date 6/1/21
Matter ResolvedRequest
Adjourment
871/19/2022 10:00 am21-13146 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing on Modified PlanContinued
2/2/2022 10:00 am
Debtor has made 8 of 9 required payments   Arrears: $960.00  
Mk: atty to provide answer of PPP loan proceeds

AR RESOLVE OR HOLD
ISSUES AS OF 1/13/2021 (DM): AR has email out to the attorney regarding use of PPP loan funds and subsequent retirement.

1) MP provides for a cram of the State of NJ secured claim, referenced above, in Part 4 but does NOT provide for a corresponding cram in Part 7 --- MP CORRECTS BUT SERVICE FILED ON 11/23/21 DOES NOT CORRECTLY SERVE THE ATTY GENERALS OFFICE AND SEPARATELY SERVE THE NJ DIVISION OF TAXATION (Cert of Service filed).

2) IRS filed $13,176.97 amended secured claim not treated in the Plan (MP PAYS)

3) IRS $32,620.61 amended priority claim is higher than $20,000 proposed in the plan (MP PAYS)

4) Trustee OBJ:
- The balance in Ocean First account as of 3/31/21 is $4,098.18, Schedule B&C only show $1,000 - unless schedules amended there is non-exempt equity $3,098.18. (2nd AMENDED SCH C RESOLVES).
- Need certification explaining the receipt of $25,815 PPP loan deposited 3/15/2021 and retiring 4/1/2021 (SEE DOC #32 - AR, DETAILS USE OF FUNDS MAY NEED REFERRAL).
- Need to provide better proof of unemployment income received - document provided does not indicate when it started and what is received weekly/biweekly (RECEIVED).
- Need a MP that addresses IRS secured claim & fix priority amount (SEE ABOVE).
- Need 2 months before filing personal bank acct statements (RECEIVED).
- Need to file Pre-Conf Cert (FILED).


Prop. Plan $960 x 5, $986 x 55, 0% Plan
PTD 8/9 = $7,758
Last Claim (3-2)
Matter ResolvedRequest
Adjourment
881/19/2022 10:00 am21-13243 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
2/2/2022 10:00 am
Debtor has made 9 of 9 required payments   Arrears: $0  

AR RESOLVE OR HOLD
ISSUES AS OF 1/13/2022 (DM):

***Still need missing bank statements before Trustee can recommend confirmation at 0%***

1) IRS file $713.49 priority claim that includes estimated taxes for 2018 (AMENDED TO $0)

2) IRS filed a general unsecured claim that includes estimated taxes for 2017 (AMENDED - OKAY).

3) Plan provides $2,100 secured treatment to Trenton Water Works - no POC filed (POC FILED AND ORDER ALLOWING LATE CLAIM ENTERED).

4) Trustee OBJ:
- Need March & April bank statements for TD accounts #0514 (RECEIVED), #3545 (UNRESOLVED) and #7104 (UNRESOLVED).
- Order of Distribution per Plan departs from Trustee standard (OKAY TO CHANGE??)
- Need to file Pre-Confirmation Certification (UNRESOLVED).


Prop. Plan $225 x 36, 0% Plan
PTD 9/9 = $2,025
Last Claim (3-2)
Matter ResolvedRequest
Adjourment
891/19/2022 10:00 am21-13325 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
2/16/2022 10:00 am
Debtor has made 9 of 9 required payments   Arrears: $0  

1/18/22(mk): PPSD Order submitted on claims $6,7 & 8. But Order lumps together these claims but only lists the amt of POC # 6. Parag 4 improper as it sets forth a monthly amt to be distributed By Tr pro rata. these are unsecured creditors are all paid pro rata based upon claims. Order needs to clearly set forth the amt. for each claim. Mk objected to order. Also per AR can be adj. 1 more time to try to resolve and save the case.

AR RESOLVE OR HOLD
ISSUES AS OF 1/13/2021 (DM): Not much done since last Hearing.

 Need to address 109e issue (Mk: atty says he is working on this w/creditor and needs time (An order will be submitted to chambers today by Cesery L. Bullard on behalf of creditor Joseph Cayabyab reducing the claim to $325,000).

1) On 10/14/21 the State of NJ filed a $4,799.42 priority claim that includes estimated taxes for 2018 thru 2020 (UNRESOLVED). Mk atty says working on this)

2) Reverse Mortgage Funding (MARTONE) OBJs - $17,836.96 arrears on Toms River NJ property not treated in the plan (UNRESOLVED).( per atty - Pay it)

3) NewRez dba Shellpoint Mtg/Wilmington Savings (PINCUS LAW) OBJs - the plan does not specifically treat the claim on the NC property in the plan (CONSENT ORDER ENTERED).

4) TD Bank filed a secured claim on Florida property not treated in the plan (UNRESOLVED).(Mk: atty says not owned by debtor)

5) Trustee OBJ:
- Need homeowners insurance for Toms River NJ property (DOESN'T LOOK LIKE DEBTOR OWNS THIS PROPERTY - DEED IN NAME OF LEAH FISCHMAN).
- Need homeowners insurance for Florida property (PROPERTY OWNED BY THE BUSINESS???)
- Need copy of Deed for Toms River NJ property (PROPERTY DEEDED FROM ROBERT C. DIORIO??? TO LEAH FISCHMAN IN 2018).
- Need copy of Deed for Florida property (TWO PARCELS DEEDED TO PROXIMO PROPERTIES, LLC IN 2017).
- Need amended Sch A/B to add Toms River and Florida properties (NOT SURE DEBTOR PERSONALLY OWNS PROPERTIES).

- Need proof of rental income for all rental properties (P&L SUBMITTED).
- Need copy
Matter ResolvedRequest
Adjourment
901/19/2022 10:00 am21-14026 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 8 of 8 required payments   Arrears: $0  

Mk: atty says deny plan and file a MP at base. w/in 14 days

As of 1/12/22(mk):Updated

Case is 8 mos old
>>PLAN IS NOT FEASIBLE THE HUGE TAX CLAIMS AND 100% TO GUCS(TOTAL GUC CLAIMS =163,828.91) MEANS THE MONTHLY PAYMENT GOING FORWARD IS $5,821. Debtors' dispo income is $3,242><<

ISSUES:

1. Objection by IRS: Plan not confirmable.
IRS Filed APOC FOR Secured (79,015.55) and Priority (23,045.97)
plan has 2 priorty amts at 22,976 & 36,870.

2. Stay Relief Motion By Santander(Morton) on 10/6/21
-2019 Dodge Ram OTBS- Terms? (Cure outside- Order submitted on 12/6mk)

3. NJ ESTIMATED POC for priority 2020 taxes. (AMENDED AND FIXED)

4. PNC in plan as unaffected' POC filed $10.00 - OK TO PAY? YES

5. Trustee objection:
- verified dispos income at $3,242.Plan payments proposed much lower. WHY?
-debtors not paying all dispo income into plan due too
excessive expenses on Schedule J $300/home maintenance;
$477/telephone/internet/cable; $827/car payment; $645/car payment(OK IF PLAN CONFIRMED AT 100%
-36,900 equity in Crist Container--(Protect T/H)
----------------
auto insurance renewal, policy provided expired 6/30/2021(Provided)
-Objection by Wells Fargo(Powers):RESOLVED BY ORDER
-need current home insurance - policy provided expired
6/20/2021(Provided)
-need 2020 Tax returns for both personal and business.(Provided).


Plan:$750 X 12; $1700 X 48 BEG 6/2021; 100%
8/8payments
last claim: 23-1,bar date;7/23/21
Matter ResolvedRequest
Adjourment
911/19/2022 10:00 am21-14739 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 7 of 7 required payments   Arrears: $0  

Mk: tier requires due to payoff of auto loan so will deny plan and file MP in 14 days and provide the supporting docs for expenses

1/10 workup for the 1/19 calendar EDC
*No progress since last time

1) Trustee objection to confirmation - need to resolve

-a modified plan that increases Trustee payment when co-debtor's pension loan is paid off - LAST PAYMENT WILL BE IN AUGUST 2022, TIER INCREASING PAYMENT BY $440 FOR NEW PLAN PAYMENT OF $790 BEGINNING 9/1/2022

--the debtors plan consists of unnecessary or excessive expense items, such as: $380/month for utilities; $600/month for cable/internet/phone NEED SUPPORTING DOCUMENTATION FOR EXPENSES-trustee will give up to $525 for cable/int/phone if supported

-the debtor is not paying all disposable income into the plan - the co-debtor's income verifies higher (44,160) than scheduled ($3,025) resulting in $1,458 monthly disposable income

-need to file a fee application within 7 days of the entry of the order confirming the plan

proposed plan $350x60 0% plan
paid in $1050
last claim 19
Matter ResolvedRequest
Adjourment
921/19/2022 10:00 am21-14868 / CMGCARRIE J. BOYLE, ESQ.Confirmation Hearing ScheduledContinued
3/2/2022 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $388.00  
1/19/22(mk):FYI Post pet claim #13 filed so needs review if this is worked up

1/18/22(mk): Been told the valuation issue is resolved- Value 8,100 interest. - told atty I need the grossed-up amt. Morton doing the Order

AR NOTE NEED TO RESOLVE CAR MOTION FOR STSY VACATE AND APPRAISAL FOR 1/19

1/5 workup for the 1/19 calendar EDC

As of 8/11/21 Debtor attorney requested adjournment to get appraisal for vehicle. Morton filed MFR on for 11/17 that needs to be resolved. Status?

* Trustee obj to the following:

- Debtor must provide 2 month's income and amended Sched I and J by 1/31/22. ADD TO CONFIRMING ORDER

- There is $11,658 in non-exempt equity in the claim against Josh McEachin along with $18,059.33 non-exempt proceeds from the sale of the Browns Mills property.--TOOK EXEMPTION ON SOME OF THE MONEY SO THERE IS $7707 FROM SALE-WILL ADD TRUSTEE TO RECEIVE NON EXEMPT PROCEEDS , if any FROM JOSH MCEACHIN JUDGEMENT by 24 mo from confirmation TO CONFIRMING ORDER

- Need order to allow adequate protection payments $75 to Hyundai Capital.



Prop Plan $194 x 60 begin 7/1/21; Base plus non-exempt proceeds from default claim against Josh McEachin
Note: Amended attorney disclosure filed 8/10/21.

-------------------------
RESOLVED:
- Need copy of HUD for the Browns Mills property sold in April 2021. HUD provided 9/9/21 shows Debtor received $18,059.33 on 4/22/21. TOOK EXEMPTION ON SOME OF THE MONEY SO THERE IS $7707 FROM SALE- (THERE IS NO EQUITY. D(5) EXEMPTS THE BALANCE.SF)sHE
- Must file Pre-confirmation certificate. FILED
- Verified income leaves monthly disposable income of $503. Schedules fail to account for the debtor's tax refund in the amount of $1,874 when determining disposable income.-OK PART OF THE MONEY USING IS FROM SAVINGS
2. Hyundai Capital (MORTON) obj to cram. Obj must be resolved.

3. IRS and State of NJ both filed estimated claims. Claims must be resolved.
Matter ResolvedRequest
Adjourment
931/19/2022 10:00 am21-15667 / CMGMarc C. Capone, Esq.Confirmation HearingContinued
2/16/2022 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $834.00  
1/11 - Capone is working on settling the fraudulent conveyance action and will be signed shortly-will file notice of settlement EDC

** Trustee obj to the following:

- There is non-exempt equity in the bitcoin acct in the amount of $7,951. This must be min. dividend $7,951 to gucs.

- Trustee should receive any non-exempt equity upon recovery of the Grant Street, South Amboy property obtained in the fraudulent conveyance action.(Settlement being signed per Capone)

- Templar Real Estate South LLC (Schwartzberg) filed motion relief - opposition filed by debtor. - Stay relief granted 9/16/21, but adversary complaint filed 9/30/21 and sched 12/15/21.(This appears to be withdrawn)

- Need Certification regarding the following transfers: Santander Bank deposit 6/2/21 $12,032, wire transfers on 6/7/21 $1,000 $25 fee and 6/11/21 $10.950 $25 fee- external transfers to Gemini Trust Company LLC $50 on 6/1/21; to Kraken account $100 on 6/1/21 and to Blockfi Trading LLC $500 on 6/3/21.

-Must file Pre-confirmation certificate.

---------------'
Resolved:
As of 10/18/21 (DS: Debtor attorney requested adjournment to allow time to resolve State of NJ estimated claim.--RESOLVED
Per AR -Debtor needs request for Tr to ratify Adv.pro(SETTLED)


Prop Plan $417 x 60 begin 8/1/21; 0%
Matter ResolvedRequest
Adjourment
941/19/2022 10:00 am21-15971 / CMGLEE M PERLMAN, ESQConfirmation Hearing ScheduledContinued
3/2/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

1/18/22(mk); Payments made today .debtor current. MK to adj.

AS OF 1/12/2022 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. 341 is scheduled for 1/20/2022.
2. Payments: 0/2, arrears $900 (case converted to a Chapter 13 on 11/10/21)
Matter ResolvedRequest
Adjourment
951/19/2022 10:00 am21-16227 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
3/2/2022 10:00 am
Debtor has made 6 of 5 required payments   Arrears: $0  

AS OF 1/18/2022 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING TO ALLOW 341 TO BE HELD.

1. 341 has been re-scheduled for 1/27/2022
2. Payments: 5/5
Matter ResolvedRequest
Adjourment
961/19/2022 10:00 am21-16419 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
3/2/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

mk: atty says home sold and IRS was od and file an APOC-says it was filed and secured part removed but there is a priority claim to deal with now needs time- adj. to 3/2/22


1/14/22 - email sent to atty (dm)
ISSUES AS OF 1/13/2022 (DM):

 mk: made notes as to RE value per sale K and motion on 12/1/21. All NE proceeds to Tr from sale - doesn't appear to be any due to tax claims.

1) IRS filed a priority claim that includes estimated taxes for 2020 (POC AMENDED 12/2/21 BUT CLAIM IS FOR $149,034.55 - PLAN IS UNDERFUNDED).

2) State of NJ filed a priority that includes estimated taxes for 2020 (POC AMENDED 11/3/21 BUT CLAIM IS FOR $32,212.66 - PLAN IS UNDERFUNDED).

3) IRS filed $86,528.75 amended secured claim 12/2/21 not treated in the plan (UNRESOLVED DESPITE THE IRS BEING PAID $142,192.36 ON 12/13/21 PER THE HUD-1).

4) US Bank (RAS) OBJs $77,359.42 arrears on Hilltop Rd property (LOAN MOD COMPLETED AND ORDER ENTERED - PITI IS $4,708.33/MONTH).

5) US Bank (McCalla Raymer) OBJs - $53,305.05 arrears on Brynmore Dr property - debtor proposes to pay at sale in 6 months (SHOULD BE RESOLVED BASED UPON HUD-1 RECEIVED FROM SALE - NEED AMENDED POC).

6) Quantum3 Group filed $791.72 arrears claim on 2012 Nissan XTerra not treated in the plan (UNRESOLVED).

7) Trustee OBJ:
- Need to file Pre-Confirmation Certification (UNRESOLVED).
* Need valuation for the business from an accountant (UNRESOLVED).
* Excessive Expense: $516 cable/internet/phone; $1,898 health insurance (RECEIVED STATEMENT); $4,888 for second home - need to provide Trustee with proof of expenses at least 10 days prior to confirmation.

* Need homeowner's insurance renewal for Hilltop Rd, NC property - I don't see liability coverage in the renewal policy provided (UNRESOLVED).

- There is $118,462.34 non-exempt equity in Brynmore Rd property (SALE TOOK PLACE, HUD-1 RECEIVED & NO EQUITY BASED UPON IRS CLAIM PAID AT SALE).
- Property value appears understated. Internet values with current comparable sales list
Matter ResolvedRequest
Adjourment
971/19/2022 10:00 am21-16503 / CMGEdward A. Corma Confirmation Hearing on Modified PlanPlan DeniedDebtor has made 5 of 5 required payments   Arrears: $0  

mk: plan denied, need to file a MP w/in 14 days

AS OF 1/12/2022 (at):

RECOMMEND: $625 PAID TO DATE, $724 x 43 BEGINNING 2/1/2022, 100% TO GUC'S
Need updated proof of income by 6/1/2022.
Preserve $11,770.00 in non exempt equity in the bank accounts.
Strike part 10 of the plan pertaining to DE judgment.
Need to file Pre-Confirmation Certification within 7 days of confirmation.

Trustee's objection:
1. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - 1099 employee, need proof of income (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):
-from March through July the debtor made $11,906.25 and over 5 months that averages to
$2,381.25 - this is 1099 employment so taxes will need to be deducted which may reduce
income.
-father needs to provide affidavit of contribution to debtor (RECEIVED)
-debtor proposes to pay $4,500 into plan and attorney gets $3,600

2. Trustee's supplemental objection:
- Need an Amended Schedule C with dollar amounts. Not 100% (AMENDED)
- Need a statement for the Morgan Stanley mutual fund account. (RECEIVED)
- Need proof of $600/month for rent (NOT RECEIVED)
- Need updated proof of income by 4/30/2022. (LANGUAGE ADDED)

Trustee objects to the non standard language in Part 10 of the Plan. (MOD PLAN FILED DOES NOT CORRECT THIS)

Plan Proposes to pay student loans in Part 5 as a priority and before other unsecured creditors. This is an P classification. Student loans are not priority debts and will be treated together with all other unsecured creditors. (MOD PLAN CORRECTS THIS)

MP before confirmation proposes: $125 x 36 beginning 9/1/2021, base
Payments: 5/5
(Additional information added to Part 1 sections (b) and (e). Part 5 section (b) revised to de
Matter ResolvedRequest
Adjourment
981/19/2022 10:00 am21-16626 / CMGPAUL H YOUNGConfirmation Hearing ScheduledContinued
3/16/2022 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $400.00  
1/15 workup for the 1/19 calendar EDC

**most issues resolved but there is some plan confusion. The plan says to pay Jeep in full at $18,258 but Chase filed a secured claim of only $14,788. It looks like this should either be a cramdown to the $14788 or should just pay the arrearage claim of $1761.05. If just paying arrears we can confirm as proposed. If doing a cramdown it needs a new plan

-pay student loans outside
* Trustee obj to the following:
- Need service on motions in plan and service to JPMorgan Chase, which is cramming interest on car loan. (DONE)
- Need pension loan statement.(DONE)
- Must file Pre-confirmation certificate.(DONE)

Prop Plan $400 x 60 begin 9/1/21; Base
Matter ResolvedRequest
Adjourment
991/19/2022 10:00 am21-16779 / CMGAllen I. Gorski, Esq.Confirmation Hearing on Modified PlanContinued
3/2/2022 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $2,000.00  
1/19/22(mk): Motion tp Approve Sale of Assets filed and on for 2/16/22. (Debtor owns 95% of Asia Nails LLC selling assets of the LLC in Delran location for 50,000 to C.Lau who has new lease w/ LL (Millside Plaza)and it will satisfy LL judgment against debtor & LLC.

1/18/22 - Atty mailed $2,000 in money orders to Memphis, TN (dm).
- Need to resolve NJ estimated claim. Plan will be worked-up at 100% based upon $19,799 general unsecured claims filed by the Bar Date (dm)

ISSUES AS OF 1/13/2022 (DM):

1) IRS filed $48.37 priority claim not treated in the plan (OKAY TO PAY? - Yes)

2) State of NJ filed $1,070.56 priority claim that includes estimated taxes for 2019 (UNRESOLVED). mk Atty says filed but St has not amended it yet. Atty submitting the missing docs and then hope for APOC

3) Trustee OBJ:
- Insufficient income - disposable verifies at -$1,647 pending proof of income.
- Plan is not feasible - propose a tier of $775 when car payment ends in month 27.
* Need 2 month's income from Debtor, not business forms or P&L. Trustee calculated business income at $1,301.35 monthly.
- Excessive Expense: $775 car payment; $100 auto insurance (P&L also has monthly auto insurance $313.28 and there are no additional vehicles on Sch B or Business Forms).
* There is $62,502 non-exempt equity in real estate and $9,964 in business for $72,467 total.
* Debtor's plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution (ADD TO ORDER).
- Need updated auto insurance (RECEIVED).
- Need amended Sch B&C to add value of Mercedes M Class (AMENDED).


Prop. Plan $1,000 x 60, with $38,000 Min Div
PTD 3/5 = $3,000
Last Claim (16-1)
Matter ResolvedRequest
Adjourment
1001/19/2022 10:00 am21-16932 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $500.00  Total Paid In: $2,000.00
1/11 workup for the 1/19 calendar - Atty ok with terms


****CONFIRM AT:
500 x 60 beg 9/1/21-pro rata-trustee to receive non-exempt proceeds from sale of Frederick Place property by 3/31/22-trustee will not pay Landlord claims of Carmelot or Santos unless a valid claim filed - File pre-confirmation cert within 10 days



* No claims filed by landlord. Trustee cannot pay unless valid claim filed
* needs pro rata due to sale

****CONFIRM AT:
500 x 60 beg 9/1/21-pro rata-trustee to receive non-exempt proceeds from sale of Frederick Place property by 3/31/22-trustee will not pay Landlord claims of Carmelot or Santos unless a valid claim filed



* motion to sell filed-trustee objected, need certification that neither the debtor or the joint owner have any relationship and that it was marketed. Current cert only says debtor has no relationship- House selling for significantly less than valued.

* Trustee obj to the following:

- There is estimated non-exempt equity $276,886.32 on real property. This will be resolved after sale info is provided.( CMA shows $409,000 value and motion to sell Frederick place for $320,000 on for 12/15/21 Mtg POC Community bank $305,439.61)

- Must file Pre-confirmation certificate.

2. Community Loan/Bayview (SCHILLER, KNAPP, LEFKOWITZ& HETZEL) obj to sale.

Prop Plan $500 x 60 begin 9/1/21; $0 and Sale of Frederick Pl by 6 months after conf
Note: Homeowner insurance provided 10/5/21. Listing agreement provided 10/6/21.
------------------
MK: uploaded 2 nd mtg payoff & debtro no longer recieves mtg statments and will upload DSO
- Need recent mortgage statements or POCs filed (doc provided for 1st mortgage is notice of Sheriff Sale dated 3/21/18 and 2nd mtg is Form 1098 for 2017 tax year, dated 12/31/17 and DSO Information Sheet.(POC filed OK)
Matter ResolvedRequest
Adjourment
1011/19/2022 10:00 am21-17055 / CMGSTEVEN J ABELSON, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $3,066.00
As of 1/18/22 (DS): Ok to confirm at $3,066 paid, $987 x 56 begin 2/1/22; lump sum payment $22,500 no later than 2/1/22; 100% with a minimum of $24,793.22 to gucs, due to non-exempt
- Add to confirming order Debtor to provide updated proof of income for self and non-filing spouse, plus amend Schedules I & J by 4/1/2022
- Trustee standard order of distribution.

As of 12/14/21 (DS): MOD PLAN FILED 12/13/21, MUST REQUEST ADJOURNMENT VIA COURT SOLUTIONS

1. BELOW ISSUES STILL REMAIN UNRESOLVED.

As of 11/15/21 (DS): Debtor attorney requested adjournment to allow additional time to resolve Trustee obj.

11/17/21 (DS): 1. Trustee obj to the following:
- Must provide certification that source of trust funds ($22,500) are mortgage payments being held by attorney.
- There is non-exempt equity on real property $24,339.21 and because d(1) was fully taken on amended Sched C 12/13/21, leaving $1,325 of d(5) there is also non-exempt equity in joint bank acct, Debtor's interest $454.01, which is a total of $24,793.22 non-exempt equity.
- Need Trustee standard order of distribution.
- Must file Pre-confirmation certificate.
- Add to confirming order Debtor to provide updated proof of income from spouse and amended Schedules I & J by 2/1/2022.

Prop Plan $693 x 3 begin 10/1/21; $987 x 57 begin 1/1/22; Plus lump sum payment $22,500 in attorney trust acct upon conf; 100%
Matter ResolvedRequest
Adjourment
1021/19/2022 10:00 am21-17129 / CMGPAUL H YOUNGConfirmation Hearing ScheduledPlan DeniedDebtor has made 1 of 4 required payments   Arrears: $3,820.00  
mk: MP (#37) filed on for 2/16/22. This plan should be denied.

AS OF 1/17/2022 (at):

1. Objection filed by Pointe O'Woods Condo (Kaitlyn Campanile) - failure to cure full arrears of $43,630.37, per POC. Plan proposes to pay $25,176.00. (UNRESOLVED)-- mk: resolved - Consent Order submiited 1/19/22 and MP pays it

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - Need October and November pay stubs to determine debtor's income. (NOT RECEIVED)
- Amendments to Schedules statement of financial affairs to list attorney 's fees paid. (NOT AMENDED)
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 $53,980.03 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $1,241 in non exempt equity in the PNC bank account. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need to resolve the estimated claim filed by the State of NJ Division of Taxation. (2017 - STILL ESTIMATED)
- Need to resolve objection by Pointe O'Woods Condo Association. (UNRESOLVED)
The attorney's fees in the plan ($3,600) and Disclosure Statement ($3,500) do not agree.
- The plan lists $3,600 will be paid through the plan and the disclosure statement states that $3,500 will be paid outside of the plan. One of these must be amended. (DISCLOSURE AMENDED)

Plan proposes: $1,255 x 60 beginning 10/1/2021, 100% to unsecured creditors
Payments: 1/4, arrears $3,820
Matter ResolvedRequest
Adjourment
1031/19/2022 10:00 am21-17183 / CMGJoan Sirkis Warren Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $800.00
ISSUES AS OF 1/13/2022 (DM): Updated 1/14/22

***Consent Order with Deutsche Bank has been submitted. TRUSTEE CAN RECOMMEND CONFIRMATION AT $200 x 36 STARTING 10/1/21, 100% PLAN, LOAN MOD WITH DEUTSCHE BANK BY 5/20/22, NO PAYMENT OR RESERVE BY THE TRUSTEE PENDING THE LOAN MOD***

1) Deutsche Bank/Soundview Home Loan (RAS) OBJs - $513,174.45 arrears (CONSENT ORDER - LOAN MOD WITHIN 4 MONTHS).

 Bar Date has expired, and only $2,484.16 general unsecured claims filed - Trustee objections below could be resolved with 100% (dm).

2) Trustee OBJ:
- Need homeowners insurance renewal with liability coverage (RECEIVED).
- Need proof of insurance for the 1998 Ford Explorer (RECEIVED).
- Need copy of savings acct - transfers made from joint checking acct (UNRESOLVED)
- Need a copy of statement showing deposit of insurance proceeds (RECEIVED)
- Debtor's plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution.


Prop. Plan $200 x 36, Base Plan, Loan Mod by 3/1/22
PTD 3/4 = $600
Last Claim (3-1)
Matter ResolvedRequest
Adjourment
1041/19/2022 10:00 am21-17187 / CMGRUSSELL L LOW, ESQConfirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 4 required payments   Arrears: $200.00  
1/19/22: mk: atty says filed a MP today. not on docket yet


issues as of 1/5/2022 (JMA)

1) Deutsche Bank (RAS) objection to confirmation - need to resolve
approximate arrears $115,808.04 CONSENT ORDER LOAN MOD BY 1/16/2022
2) Toyota Motor Credit Corporation - (Stern Eisenberg) objection to confirmation - need to resolve
-16,175 plus interest
3) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income. Verified income leaves monthly disposable income of negative $640.75
the debtor has failed to file a feasible plan
-need a copy of the homeowner's insurance renewal declaration for Florida property
-need a statement for the 401k loan
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is $11,530 in non exempt equity in the Florida property
-need to file Pre Confirmation Certification
-need to resolve objections by Deutsch Bank and Toyota Motor Credit
-need update on workers Comp 2019 case with Ginarte, Gillardo et al
4) Plan does not indicate treatment of student loans

proposed plan $200x60 base plan with loan mod by 3/2022
paid in $600
arrears $200
last claim 13
Matter ResolvedRequest
Adjourment
1051/19/2022 10:00 am21-17232 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
3/16/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

1/19/22(mk):see doc uploaded yesterday adj 3/16/22 Peremtory- NFA

As of 1/12/22 (DS): 1. Trustee obj to the following:
- Trustee cannot determine equity in the property until a CMA is provided. Currently the online Zillow estimate shows a value of approximately $819,000, which is much higher than debtor estimates. There is estimated non-exempt equity $57,523.46, may be more pending CMA. The case must pay 100%. Total unsecured claims filed $3,522.30.
- Debtor has insufficient income, disposable income is negative, verifies $-927.98.
- Need the following docs: (1) Home insurance (What was provided expired 7/27/21); (2) CMA for Pitney lane; (3) Proof of income for August & September for debtor; (4) 2 months prior to filing bank statements from Bank of America; and (5) 401(k) loan balance statement for spouse, prior to filing date.
- Arrears claim filed by mortgage $4,820.79. Trustee ok to pay?
- Must add to confirming order non-exempt proceeds from sale/refinance of Pitney Lane to Trustee and Debtor to provide updated proof of income, 2021 tax returns and amended Sched I & J by 7/1/22.
- Must resolve creditor objection.

2. HSBC Bank (ROBERTSON, ANSCHUTZ, SCHEID) obj to sale/refinance to complete by 9/22, due to current market condition and the time to sell is now.

3. Arrears claim filed by HSBC Bank for $4,820.79. Is Trustee to pay arrears?

Prop Plan $200 x 60 begin 10/1/21; Dollar Base $180,000 and Sale/Refinance of Pitney Ln by 9/22
Matter ResolvedRequest
Adjourment
1061/19/2022 10:00 am21-17242 / CMGSCOTT C PYFERConfirmation Hearing ScheduledContinued
2/2/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

NEEDS TO BE ADJOURNED to 2/2/22

1/18/22(mk): atty email today - says the following- need to adj to review: " I just uploaded a filed copy of Amended Schedule I, showing $226 per week child support payments to the Debtor. I also uploaded the two CUNJ bank statements requested and a statement of amount due under the Debtor's TPAF loan. FYI the mortgage loan modification documents are all being uploaded via the DMM portal, today. Also, yes, the student loan payments are to be paid outside the Plan. Note-I will be filing a motion regarding the POC, it does not contain the loan documents or terms or payment information"

As of 1/11/22(mk):

1.PLAN IS 100%.Bar date has passed and only unsecured claim is a $314,486.16 Student Loan. The plan does not separately classify this to be paid outside plan but there is a Std Loan expense on J. What is debtor's intention on this?

2. Plan has LM by 1/29/22. What is status of LM?

3. Trustee Objection:
-need Amendments to Schedules I to add child support income.
-need TPAF loan statement showing balance due
-need to provide 2 months of bank statements for Credit Union of New
Jersey savings account
-Wells Fargo bank statement provided shows multiple deposits of $226
from NJ SDU - this is a child support payment, not listed on Schedules -
needs amended I to add the support income.


Plan:$975 X 60 BEG 10/2021; LM BY 1/29/2022 (8 LIANFAIR LN); 100%
4/4 payments
last claim:3-1,bar date:11/23/21
Matter ResolvedRequest
Adjourment
1071/19/2022 10:00 am21-17275 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,784.00
1/19/21Mk: REWORKED TERMS

1,784 PTD, Then $455 x 56 Begin 2/1/22 100% Must file pre conf Cert w/in 10 days.


mk: pay for last week in Dec and 1st week in Jan uploaded on 1/18/22

AS OF 1/19/2022 (at):

RECOMMEND: $1,784 PAID TO DATE, $602 x 44 BEGINNING 2/1/2022, 100% TO UNSECURED CREDITORS
Need to file Pre-Confirmation Certification within 10 days of confirmation.

1. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - : updated proof of income for new job (works at Temp Agency). (RECEIVED 10/29 AND 11/5 PAY STUBS ONLY - RECEIVED ON JANUARY PAY STUB)
- Updated auto insurance, insurance expires 11/28/21. (RECEIVED FOR YAMAHA - NOT FOR 2018 NISSAN)
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 much higher, there is disposable income $2,542.70 (but debtor has a new
job - need new pay stubs).
- The debtor has failed to provide proof of service with respect to Plan Motion (s). (CERT OF SERVICE ON VALLEY NATIONAL FOR CRAM ON 2018 NISSAN ALTIMA HAS NOT BEEN FILED)mk: FILED
- Insurance for 2021 Yamaha 250 and valuation (NADA list value from $6,320 lowest to $8,300 average value, Schedule B values $4,000)MK: atty has purchase receipt for 4,400- will upload it). (INSURANCE AND VALUATION RECEIVED - OK)
- Must file Pre-confirmation certificate. (NOT FILED)

Plan proposes: $446 x 60 beginning 10/1/2021, $0 to unsecured creditors
Payments: 4/4
Matter ResolvedRequest
Adjourment
1081/19/2022 10:00 am21-17278 / CMGJames DiMaggio Order Vacate Dismissal of CaseConfirmedDebtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $2,141.00
1/14/22:mk: Atty ok to terms

As of 1/12/22 (DS): Need to confirm at $2,141.141 paid, $776 x 56 begin 2/1/22; 100% with a minimum dividend $244,092.09 to gucs, due to non-exempt equity on real property and within 7 days must file Pre-confirmation certificate

1. Notice of substitution of attorney from Warren Levy to James DMaggio was filed, attorney disclosure and Plan have attorney fees $3,000 to Levy. No attorney disclosure filed by new attorney. Levy to be paid.

Case reinstated 12/15/21

As of 11/1/21 (DS): Debtor attorney requested adjournment to pass bar date, request denied, no payments made, arrears $1,426.28, made 0 out of 2. May need to request adjournment at hearing, if no payment is made.

11/3/21 (DS): 1. Trustee obj to the following:
- There is $244,092.09 non-exempt equity in the residence. RECOMMEND WAITING PASS BAR DATE 11/24/21.
- Must file Pre-confirmation certificate.

Prop Plan $713.14 x 60; 100%
Matter ResolvedRequest
Adjourment
1091/19/2022 10:00 am21-17313 / CMGBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledContinued
2/2/2022 10:00 am
Debtor has made 15 of 4 required payments   Arrears: $0  

Mk: see CO filed 1/7/22 #37. &Atty will provided cert as to closed cripto accts

issues as of 1/6/2022 (JMA)


1) Planet Home Lending LLC/Wilmington Trust (Friedman Vartolo) objection to confirmation - need to resolve
-arrears approximately $167,567.50 CLAIM FILED SHOWS ARREARS OF $142,960.45
-there is an Order granting In Rem Relief dated 4/11/2020
2) Planet Home Lending LLC/Wilmington Trust (Friedman Vartolo) objected to debtors motion to impose automatic stay scheduled for 11/17/2021 - need outcome
3) LaMer IIIC Condominium Association Inc (Hill Wallack) objection to confirmation - need to resolve(MK: per atty PAY)
-plan fails to provide for any treatment of the Association's secured claim of $2,546.08
4) Trustee objection to confirmation - need to resolve
-need statement Coinbase account, Robinhood account and Gemini Trust account PROVIDED STATEMENTS FOR WHAT APPEARS TO BE 3 ACCOUNTS $3,541.22; $7,767.79 AND $4,920.97 - DOCUMENTS PROVIDED FAIL TO CLEARLY IDENTIFY THE SPECIFIC ACCOUNTS AND DO NOT ALL INCLUDE A DATE OF THE STATEMENT LOOKS LIKE CRYPTO WALLET/EARN; BIANCA AND COINBASE
-STILL NEED STATEMENTS FOR ROBINHOOD AND GEMINI TRUST
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - Chime account #8541 shows ending balance for 8/28 statement of $2,501.98, Schedule B only lists $9 for checking and exempts $9 - there is $2,482.98 non exempt equity STATEMENT PROVIDED DATED 9/30/2021 SHOWS NEGATIVE BALANCE OF $82.48
-Chase Bank Mutual Fund non exempt equity $12,155 PROVIDED STATEMENT SHOWING BALANCE 10/2/2021 $12,154
-Bianca US non exempt equity $3,146
Total non exempt equity $15,301
-Planet Home Lending LLC/Wilmington Trust (Friedman Vartolo) filed objection to confirmation pre petition arrears $167,567.50 and currently no stay per In Rem relief order granted 4/11/2020
-La Mer IIIC Condominium Association (Hill Wallack LLP) filed objection to confirmation claim of lien in the am
Matter ResolvedRequest
Adjourment
1101/19/2022 10:00 am21-17452 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
2/2/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $369.00  
MK: atty says cert uploaded this am- not in systme yet- adj to 2/2 for review

ISSUES AS OF 1/13/2022 (DM): Never received requested Certification regarding voluntary child support. Just received another copy of the DSO Form.

1) Americredit (MORTON) OBJs - vehicle undervalued. Creditor wants $20,007.32 over 60 months, adequate protection payments and proof of insurance. (CONSENT ORDER ENTERED, total $20,007.32 and AP of $179 begin Oct 2021).

2) Trustee OBJ:
- Need Certification regarding voluntary child support (UNRESOLVED).
- Need CMA which provides recent comps in the last 6 months - comps provided are old. (RECEIVED - ALL COMPS IN THE NEW CMA ARE FROM 12/2019 - 12/2020. PER ZILLOW VALUE OF $72,700, THERE IS $43,347 OF NON-EXEMPT EQUITY IN NY PROPERTY).
- There may be non-exempt equity in real property pending updated documents.
- Need to file Pre-confirmation certificate (UNRESOLVED).

>>>RESOLVED ISSUES<<<

- Need amended Sch B & C to add Saker Credit Union bank acct (AMENDED).
- Need amended Sch I to add rent from NY property and copy of lease (AMENDED).
- Need 2 months bank statements for all accounts on Sch B and Saker Credit Union acct listed on Debtor's pay stubs, prior to filing date (RECEIVED - NO EQUITY IN BANK ACCOUNTS).


Prop. Plan $372 x 60, 0% Plan
PTD 3/4 = $1,119
Last Claim (10-1)
Matter ResolvedRequest
Adjourment
1111/19/2022 10:00 am21-17504 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
2/2/2022 10:00 am
Debtor has made 5 of 4 required payments   Arrears: $0  

1/18/22(mk): Appreently St Ct Agreed to hear motin today & RULED NO EXTENDING REDEMPTION PERIOD.

MK; parties agree to adj to 2/2/22 to allow St Ct To Rule.

AS OF 1/12/2022 (at):

CANNOT BE CONFIRMED UNTIL THERE IS A RESOLUTION AS TO THE STATE COURT PROCEEDING REGARDING EXTENTION OF REDEMPTION PERIOD.

1. Objection filed by Merck Employees FCU (Liska) - property was sold at sheriff's sale on 9/8/2021 to a third party. Redemption period was extended to 60 days after filing. The property was not sold by 11/23/2021 and is no longer part of the bankruptcy estate. (UNRESOLVED) - NEED OUTCOME IN ORDER TO CONSIDER CONFIRMATION)

2. Motion to authorize debtor to enter into post petition financing is scheduled for 1/5/2022. (NEED OUTCOME IN ORDER TO CONSIDER CONFIRMATION)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- 401(k) loans balance statements, there are 2 loans on pay stubs. (RECEIVED)
- Amendments to Schedules B and C to add 2014 Chevy provided on auto insurance and other cars on insurance. (AMENDED)
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 on real property $140,112.04, Jewelry $5,700, TD Bank
savings acct#4451 $71,973.62, TD Bank checking acct#0106 $20,609.83, TD Ameritrade
$8,736.71, American Express savings acct#4773 $8,616 and Merck Employees FCU
$14,366.88 total $270,115.08. Must confirm 100% with minimum dividend to gucs, due to
non-exempt equity.
- Must resolve creditor objection. (UNRESOLVED)
- Must file Pre-confirmation certificate. (FILED)

Plan proposes: $415 x 60 beginning 10/1/2021, refinance of Sampton Ave by 11/23/2021, 100% to unsecured creditors
Payments: 3/4, arrears $415

Matter ResolvedRequest
Adjourment
1121/19/2022 10:00 am21-17788 / CMGCARRIE J. BOYLE, ESQ.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $1,350.00
UPDATED 1/18/2022 (JMA)

OK TO CONFIRM AT $1,35O PAID TO DATE, $432X57 BEGIN 2/1/2022 100% PRESERVE $36,253.85 IN CONF ORDER DUE TO NON EXEMPT EQUITY IN REAL PROPERTY
-ATTORNEY MUST FILE FEE APPLICATION FOR SUPPLEMENTAL FEES WITHIN 7 DAYS

OK TO CONFIRM AT $1,350
updated 1/12/2022 (JMA)
issues as of 1/6/2022 (JMA)

1) Wells Fargo Bank (LOGS) objection to confirmation - RESOLVED, CONSENT ORDER
2) Trustee objection to confirmation - need to resolve
-The debtor has insufficient income : Debtor does not receive income from heating assistance, this is a credit.
-Social security income verifies less..
-The debtor has failed to supply the Trustee with the following document (s): A current market analysis - with comps for properties sold in the last 6 months, 10 days prior to confirmation. LATEST CMA $200,410 THERE IS $36,253.85 NON EXEMPT EQUITY - 100% PLAN
-A copy of the last filed tax return - for 2020 or Certification of Non -Filing.-filing of tax returns. RESOLVED, PROVIDED DECLARATION CONCERNING TAX RETURNS - HAS BEEN REQUIRED TO FILE SINCE 2018
-mortgage statement from 2nd mortgage with balance prior to filing date if a POC is not filed by the creditor.
-The debtor(s) plan consists of unnecessary or excessive expense items, such as: Home maintenance $300 and Car insurance $215 (verifies $172).
-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 on real property, pending updated CMA with comps.
- Need recent letter of approval from Burlington County, which shows amount Debtor is receiving for NJ Snaps, 10 days before confirmation (docs provided are from 2020.
- Must file Pre-confirmation certificate.

proposed plan $450x60 which includes minimum $22,464.61 dividend to general unsecured creditors
paid in $1350
last claim 12
Matter ResolvedRequest
Adjourment
1131/19/2022 10:00 am21-17845 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
2/2/2022 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $448.00  
As of 1/12/22 (DS): 1. Service on motions in plan was served 12/28/21, will need time for creditor to receive notice.

2. Must file Pre-confirmation certificate.

Prop Plan $449 x 60 begin 11/1/21; $0
Note: POI for Dec. provided, there is disposable income. but plan needs more to pay. Service on motions done.
Matter ResolvedRequest
Adjourment
1141/19/2022 10:00 am21-17865 / CMGFRANCIS P CULLARI, ESQConfirmation Hearing ScheduledContinued
2/16/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

As of 1/14/22 Debtor attorney requested adjournment to resolve obj with Fox Chase, US Bank obj resolved 1/14/22.

As of 1/12/22 (DS): 1. BELOW ISSUES REMAIN UNRESOLVED.

As of 12/10/21 Debtor attorney requested adjournment to resolve objections

12/15/21 (DS): 1. Trustee obj to the following:
- Income verifies higher there is disposable income $549.78.
- Final loan mod was granted with CFT Asset (2nd mortgage), need mod plan to remove loan mod.

2. Fox Chase (CUTOLO BARROS) obj to arrears not in plan. POC filed is bifurcated and needs to be resolved as well. Secured $7,426.65 and unsecured $236. Obj must be resolved.

3. US Bank/PHH Mortgage (ROBERTSON, ANSCHUTZ, SCHNEID, CRANE) obj to arrears owed, POC filed $2,525.11. Obj must be resolved. OTBS 1/14/22

4. Must file Pre-confirmation Certificate.

Prop Plan $265 x 36 begin 11/1/2; Base and Loan mod on San Anita Dr by 4/16/22
Matter ResolvedRequest
Adjourment
1151/19/2022 10:00 am21-17884 / CMGSteven A Serna, EsqConfirmation Hearing ScheduledContinued
2/2/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 1/6/2022 (JMA)

1) US Bank/JP Morgan Acquisition Trust (KML) objection to confirmation - need to resolve
-pre petition arrears $144,444.92
2) Trustee objection to confirmation - need to resolve
-need September and October bank statements for JP Morgan account #7061; PNC checking account and Wells Fargo (Panda Transport) account
-the Schedules fail to account for the debtors tax refund in the amount of $2,758 when determining disposable income
-the debtor has failed to provide proof of service with respect to Plan Motions - need service on Laridian Consulting
-the debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution
-need to file Pre Confirmation Certification
-need to resolve objection by US Bank /JP Morgan
-the attorney's fees in the plan $2,000 and the disclosure statement $2,000 outside of the plan do not agree. Once of these must be amended
-need a statement for the Robinhood account
-need proof of insurance for the 2008 Chrysler and 2013 Nissan. Policy provided expired 10/15/2021

proposed plan $221x36 base plan with loan mod by 4/11/2022
paid in $663
last claim 13
Matter ResolvedRequest
Adjourment
1161/19/2022 10:00 am21-17981 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
2/2/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

MK:atty needs to review w/ client -

As of 1/18/22 (DS): Need to confirm at $3,411 paid, $1,659 x 57 begin 2/1/22; 100% with a minimum $137,057.65 to gucs due to non-exempt equity on real property.
- Add to confirming order Trustee ok to pay the IRS claim#1-1

1. Trustee obj to the following:
- Income verifies higher, disposable income verifies $2,078. 22c has disposable income $731.32. Plan pays 100%.
- There is non-exempt equity on real property $137,057.65.
- IRS filed claim $2,671.59. not listed in plan. OK TO PAY?
- Must resolve creditor objection. OTBS

2. NewRez (ROBERTSON, ANSCHUTZ, SCHNEID) obj to plan proposes to maintain an ongoing mortgage payment to creditor, however the loan is subject to mature on 10/1/23, will mature during the life of the bankruptcy. POC filed $33,424.64, not in plan. OTBS TO PAY CLAIM IN FULL

Prop Plan $1,137 x 60 begin 11/1/21; 100%
Note: POI and 401(k) loan statement provided.
Matter ResolvedRequest
Adjourment
1171/19/2022 10:00 am21-18218 / CMGSCOTT D SHERMAN ESQConfirmation Hearing ScheduledContinued
2/16/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

As of 1/14/22 Debtor attorney requested adjournment still trying to resolve creditor objection.

As of 1/13/22 (DS): 1. OBJECTION WITH CREDITOR STILL NOT RESOLVED.

12/30/21 (mk): Update, Case removed from HR.Mtg co filed objection and atty working on resolution/ Also IRS filed an APOC on 12/28/21. priority now 12,803.37

1/5/21 - No obj filed by mortgage (DS): Ok to confirm at $500 x 60 begin 11/1/21 Low Base pending loan mod; 100% to gucs.
- Loan mod on Ridgeview Ave by 3/31/22.
- Trustee standard order of distribution.

1. Need Trustee standard order of distribution.

Prop Plan $500 x 60 begin 11/1/21; 100% and Loan mod on Ridgeview Ave by 3/31/22
Note: Updated POI provided.
Matter ResolvedRequest
Adjourment
1181/19/2022 10:00 am21-18587 / CMGJoan Sirkis Warren Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $2,266.00
AS OF 1/14/22 (SF)

RECOMMEND $2266 PTD, $1289 X 58 (BEGIN 2/1/22) 100% PLAN
- OTBS RESOLVING OBJ BY NATIONSTAR WITHIN 30 DAYS
- OK TO PAY ARREARS CLAIM 3-1 FOR NATIONSTAR MORTGAGE



Atty says plan is 100%. will add lang for 100% and protect equity T/h. (CLAIM FILED IS HIGHER. THERE IS NO EQUITY)

>>1. Objection by Nationstar( Pluese):
plan fails to pay arrears 65,487.12 POC to be filed

Trustee objection:
1. The debtor has insufficient income .
2. The debtor has failed to file a feasible plan
3. Income contribution affidavit(See #16)
4. Amendments to Schedules I to include contribution towards mortgage by Dwayne Carmen.(Mk:cert at docket #16- he pays the Mtg)

6. The Trustee objects to the debtor transferring interest in her real estate within 90 days prior to filing for bankruptcy.


Plan proposes: $1133 X 60 BEG 12/2021; BASE
Payments: 2/2

RESOLVED:
- Atty says plan is 100%. will add lang for 100% and protect equity T/h. (CLAIM FILED IS HIGHER. THERE IS NO EQUITY)
- There is $45,420.81 in non exempt equity in the residence. (MORTGAGE CLAIM FILED AND NOW THERE IS NO EQUITY IN REAL ESTATE)
- A Modified Plan that pays $45,420 to general unsecured creditors.
Matter ResolvedRequest
Adjourment
1191/19/2022 10:00 am21-18673 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
2/2/2022 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $500.00  
1/19/22:MK: atty thinks they are correct on exemption & will resolve #1. creditor atty says they got LM but they are not making correct payment -


As of 1/11/22(mk):


1. Objection by Pingora Loan (Frenkel):
-plan fails to cure arrears.

2. Trustee Objection:
-debtor has failed to file a feasible plan - neg disposableincome.
-need bank statements for all accounts for September - November
2021.(mk : atty says provided)
- need updated proof of homeowner's insurance for Mistletoe
Ct/residence.-Policy provided expired on 1/28/2021 .
-improper use of exemption. Debtor has exceeded the D5 exemption
limit by $12,575.
income.(Added IN).
- As of now,there is $12,575 in NE equity in businesses/personal
property.

----------------
-need copy of the 2020 tax return prior to confirmation.(Provided)
- need Business profit & loss statements.(Provided).
-Schedules fail to account for 2020 tax refund of $6,388 in dispos
income.(Added IN).
-need Proof of insurance for 69 Main Street.(Provided)
- need proof that debtor owns 20% of Main Street property.(Provided).



Plan: $500 X 12; $905 X 48 BEG 12/2021; LM BY 6/1/2022 (165 MLSTLETOE CT); BASE
1/2 payments.
Last claim:4-1 ,bar date:1/18/22
Matter ResolvedRequest
Adjourment
1201/19/2022 10:00 am21-18699 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
3/16/2022 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $2,396.00  
As of 1/14/22 Debtor attorney requested adjournment, 341 sched 2/10/22.
Matter ResolvedRequest
Adjourment
1211/19/2022 10:00 am21-18712 / CMGBRIAN W HOFMEISTERConfirmation Hearing ScheduledContinued
2/16/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1221/19/2022 10:00 am21-18736 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $500.00
updated as of 1/18/2022 (JMA)

To resolve Trustee and creditor objection, need to confirm at $250x2 begin 12/1/2021, $300x34 begin 2/1/2022 which includes minimum $8,701 minimum dividend due to non exempt equity in stocks and Claim #2 Carrington Mortgage Services is not treated in plan and accordingly is unaffected and the Trustee shall not pay claim thereby


issues as of 1/5/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
-the debtor is not paying all disposable income into the plan - verified income leaves monthly disposable income of $331.86 ATTY AGREED TO RAISE PLAN PAYMENT TO $300/MONTH GOING FORWARD
-the schedules fail to account for the debtors tax refund in the amount of $631 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 - there is $8,701 in non exempt equity in bank account/stocks
-need to resolve claim of Carrington PROPERTY NOT OWNED BY DEBTOR PER DEBTORS RESPONSE TO TRUSTEE OBJECTION, PER MK ATTY MUST FILE A MOTION AGAINST THE CLAIM WITH PROPER PROOFS IN SUPPORT OF THE MOTION
2) Debtors response to Trustee objection -
- the response states that the secured claim of Carrington is treated in the plan as unsecured because the collateral in not owned by debtor - PROPERTY SEARCH AVE IS NOT OWNED BY DEBTOR, NEED TO RESOLVE CLAIM
Matter ResolvedRequest
Adjourment
1231/19/2022 10:00 am21-18858 / CMGJONATHAN GOLDSMITH-COHEN, ESQConfirmation Hearing ScheduledContinued
2/2/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 1/6/22 (SF)


1. The plan proposes an 8 month cure to pay Chase but plan does not propose a high enough payment to pay this claim and attorney fees (NEED EXPLANATION)

2. Trustee objection:
- Debtor has filed to file a feasible plan that propose a tier plan, car payment $342 ends in month 16.
- Need amendments to schedules B and C to take proper exemptions for funds in all 3 bank accts.
- Need 2 months bank statements for PNC savings account prior to filing date
- Excessive expenses: $298 auto insurance
- Income verifies higher. There is disposable income of $221.
- Schedules fail to account for tax refund of $557
- Must file pre-confirmation certification

Plan proposes $150 x 36 Base
Payments: 2/2



Matter ResolvedRequest
Adjourment
1241/19/2022 10:00 am21-18939 / CMGVera Fedoroff Confirmation Hearing ScheduledContinued
2/16/2022 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $459.00  
AS OF 1/11/2022 (at):

1. Objection filed by US Bank (Friedman Vartolo) - plan is silent as to US Bank. Claim #11 in the amount of $19,149.77 and does not propose to make post petition payments. (UNRESOLVED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A Modified Plan that includes the treatment of the NJ State restitution (MODIFIED PLAN NOT FILED)
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):
- verification of monthly disposable income is $812.57 which is higher than the amount on
the debtor's schedules.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $5310 when determining disposable income. (AVERAGED/ADDED TO INCOME)

Plan proposes: $459 x 60 beginning 12/1/2021, base
Payments: 1/2, arrears $459
Matter ResolvedRequest
Adjourment
1251/19/2022 10:00 am21-18963 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
3/16/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

341 on for 2/10/22
Matter ResolvedRequest
Adjourment
1261/19/2022 10:00 am21-18965 / CMGKevin Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 1 of 2 required payments   Arrears: $0  
Total Paid In: $425.00
As of 1/18/22 (DS): Ok to confirm at $425 paid, $433 x 58 begin 2/1/22; Base

1. Debtor in arrears $425.

Prop Plan $425 x 60 begin 12/1/21; Dollar Base $14,943
Note: Credit Union of NJ has no equity, the $4,094.59 is a loan on acct, not funds in acct. Funds in acct is $59.90, no amended Sched B and C need to be filed. REVIEWED INCOME AND IT WAS MISCALCULATED, THERE IS DISPOSABLE INCOME $507, PLAN PAYS $425. DSO FORM PROVIDED AND PRE-CONFIRMATION CERT FILED.
Matter ResolvedRequest
Adjourment
1271/19/2022 10:00 am21-18981 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 12 of 2 required payments   Arrears: $0  
Total Paid In: $21,889.00
As of 1/11/22(mk):

**CAN REC CONFIRM AT $21,889 PTD, Then $1,889 x 58 Begin 2/1/22; Base w/min to gucs $18,100 due to equity in personal property; Must file fee application w/in 7 days of confirmation order.**



1. Tr Objection:
-There is non-exempt equity in Peleton $3,000, estimated in personal checking acct and business $15,100.
- Need Wells Fargo personal checking acct bank statements from 10/7/21 to November 2021, 7 days before confirmation hearing.(Provided)




Plan: $20,000 x 1 begin 12/1/21; $1,889 x 59 begin 1/1/22; Base
last claim 22-1 bar date:1/28/22
PTD $21,899
Matter ResolvedRequest
Adjourment
1281/19/2022 10:00 am21-18995 / CMGRUSSELL L LOW, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $400.00
AS OF 1/19/22 (SF) UPDATED

OK TO CONFIRM AT $200 x 60 (BEGIN 12/1/21) BASE PLAN
- OK TO PAY ARREARS OF $1732.67 TO MIDFIRST BANK


updated 1/12/2022 (JMA)
issues as of 1/6/2022 (JMA)

1) Midfirst Bank (Gross Polowy LLC) objection to confirmation - need to resolve
-pre petition arrears $1,732.67(per atty PAY this)
2) Trustee objection being filed - RESOLVED
-need to provide Domestic Support Obligation information RESOLVED, PROVIDED
-need to provide a copy of the homeowner's insurance renewal declaration - policy provided expired
12/29/2021
3) No Trustee plan payments to date, arrears $400, NOW CURRENT WITH TRUSTEE PLAN PAYMENTS
4) Need to file Pre Confirmation Certification with Court RESOLVED, FILED

proposed plan $200x60 base plan
paid in $400
last claim 4

Matter ResolvedRequest
Adjourment
1291/19/2022 12:00 pm15-23929 / CMGWilliam H. Oliver, Jr., Esq.Motion CompensationOrder to be Submitted
For approval of fees not previously approved

Mk:atty received 3,000 for work on buy and sell motions. fee app is for $2881. Atty rec'd 3,000 check and $credit card payment $582.
Therefore debtor refund of $701.
Matter ResolvedRequest
Adjourment
1301/19/2022 12:00 pm18-16428 / CMGBRUCE C TRUESDALE ESQMotion CompensationGrantedTotal Paid In: $100,699.00
Matter ResolvedRequest
Adjourment
1311/19/2022 12:00 pm19-12203 / CMGSTEPHANIE RITIGSTEINMotion CompensationWithdrawnTotal Paid In: $7,600.00
TR objection
Matter ResolvedRequest
Adjourment
1321/19/2022 12:00 pm20-10462 / CMGWilliam H. Oliver, Jr., Esq.Motion compensationRevised Order SubmittedTotal Paid In: $24,054.00
(AMT: does not appear that atty submitted cert of reduced family contribution per mp conf order)

Trustee obj<> FEE APP

MK; Revised Order submitted to mk for correct amt of fees $462)-tolad atty to send to chambers
Matter ResolvedRequest
Adjourment
1331/19/2022 12:00 pm20-14117 / CMGWilliam H. Oliver, Jr., Esq.Motion CompensationRevised Order SubmittedTotal Paid In: $19,307.00
1/17/22(mk): Revied Order submitted to Chambers. OK


Trustee obj<> FEE APPLICATION

1/10/22(mk): REVISED ORDER emailed to MK - today has $87.50 as total. That is not correct per tr suppl obj #56. Proposer amt is 462.

needs revised order w/ corrected amt
Matter ResolvedRequest
Adjourment
1341/19/2022 12:00 pm21-16530 / CMGLEE M PERLMAN, ESQMotion CompensationGranted
By CH 7 TRUSTEE Dobin
Matter ResolvedRequest
Adjourment
1351/19/2022 2:00 pm21-14868 / CMGCARRIE J. BOYLE, ESQ.EVIDENTIARY HEARINGSettled - Resolved
EVIDENTIARY HEARING - MOTION FOR RELIEF FILED BY HYUNDAI CAPITAL AMERICA

Mk: we have been told this is resolved but do not have terms

Value 8,100 interest.- told atty I need the grossed up amt.
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes