Judge Mark Edward Hall
Hearing Date: 1/22/2025
Hearing Count: 0
Last Updated: 01-15-2025 09:21 AM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
01/22/2025 8:30 am24-18431 / SLMJonathan Stone, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 5 of 5 required payments   Arrears: $0  

AS OF 12/30/24 (SF)

RECOMMEND $750 x 4 (BEGIN 9/1/24); $1382 X 56 (BEGIN 1/1/25) BASE W/MIN $45,610 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE AND PERSONAL PROPERTY
- OK TO PAY ARREARS CLAIM 10-1 FOR DEUTSCHE BANK
- MUST FILE PRE-CONFIRMATION CERT WITHIN 7 DAYS




1. Deutsche Bank filed arrears claim 10-1 in the amount of $506.70 (OK TO PAY?)

2. Schedules I and J were amended. Disposable income is now $7223.79. Income is reduced by deducting social security and VA disability income leaving net disposable income of $1382.

3. Trustee objection:

- Need a current market analysis - CMA provided dated 11/14/2023, need new CMA with
comps 6 months before filing (NOT PROVIDED. USED ZILLOW AND NONEXEMPT EQUITY IN REAL ESTATE IS IS $36,760)

- Excessive expense transportation $575 on Schedule J

-Excessive expense on Form B122-C2 Line #23 $250/ allowance for this is $50. This increases Line #45 to $2,315.57 which requires $138,934.20 to general unsecured creditors.

- There is non-exempt equity as follows: $2,740/house (may change when updated CMA
provided); $6,150/Ford Escape; $1,400/refrigerator; $1,300/TV. Total non -exempt equity $11,600.

-Need to file Pre-Confirmation Certification with Court.


Plan proposes $750 x 60 Base
Payments: 3/3

RESOLVED:
- Need Amendments to Schedules sch I for VA disability (RECEIVED)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am18-22906 / MEHSteven J. Abelson, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $24,192.00
Debtor obj, atty has funds in trust acct<>MIDFIRST BANK/Church St (Gross polowy)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am19-18605 / MEHKirsten B. Ennis, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $95,568.00
AMERICREDIT FINC/2012 kIA (EISENBERG)
Matter ResolvedRequest
Adjourment
21/22/2025 9:00 am19-19744 / MEHPeter E. Zimnis, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $41,898.00
Debtor obj<>MEADOW WOODS AT LAWRENCEVILLE (McGOVERN)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am19-20233 / MEHDavid A. Semanchik, Esq.Motion Reopen Ch. 13 Case (fee)No Opposition Filed
MTN TO REOPEN TO FILE CERT IN SUPPORT OF DISCHARGE
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am19-21731 / MEHAndrew Thomas Archer, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $73,526.00
Debtor obj, made pymt; Creditor response<> MIDFIRST BANK/Chatham Square ( Gross Polowy)
Matter ResolvedRequest
Adjourment
61/22/2025 9:00 am19-24217 / MEHJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $17,139.00
ADJ to 1/22 - AR will put an Order together (dm)
ADJ to 12/10 - AR to contact Atty about what he needs (dm)
Still need status of claim against NJ Transit Rail Ops (dm)

10/7 amt: mtn to approve settlement filed for motor vehicle accident; hearing 11/13

Debtor obj<>FAILED TO PROVIDE TRUSTEE WITH PI STATUS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am19-24217 / MEHJeffrey E. Jenkins, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $17,139.00
KAPLAN ASSOC LLC/LANDLORD (EHRLICH PETRIELLO)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am19-24817 / MEHBruce H. Levitt, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $55,353.00
SN SERVICING / Bromley Place (FRIEDMAN)
Matter ResolvedRequest
Adjourment
101/22/2025 9:00 am19-33419 / MEHGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $75,436.00
ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am20-10859 / MEHCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $49,696.00
Debtor obj, made pymt<> RUSHMORE/Joseph Pl (Friedman fartolo)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am20-10872 / MEHRobert Cameron Legg, Esq.Motion to Cancel DischargeNo Opposition Filed
MTN TO CANCEL DISCHARGE/CAP ONE (DJ-113159-11)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am20-10872 / MEHRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)No Opposition Filed
WELLS FARGO (LOGS)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am20-12513 / MEHAllen I. Gorski, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $240,010.00
1/3 AMT; $ 230,960.33 PTD (58); $9,050 x 1 (pending posting/jan, 2025); $4,000 X 2 BEG 2/1/25; $1,950 x 1 beg 4/1/25; PLAN EXT TO 62 MO (EMAIL TO ATTY)<<>>

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am20-15718 / MEHKevin C. Fayette, Esq.Motion Reinstate StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $44,600.00
US Bank obj ( Friedman Vartolo)<>MTN REIMPOSE STAY/SN SERVICING
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am20-16568 / MEHMarcia Y. Phillips, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $106,653.00
FAILED TO FILE APP FOR RETENTION OF SPECIAL COUNSEL AND MTN TO APPROVE SETTLEMENT FOR DEBTOR'S LAWSUIT
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am20-16743 / MEHMarc C. Capone, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $91,965.00
Debtor obj<>US BANK/Ensigh Ave (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am20-17724 / MEHJohn Zimnis, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $69,057.00
Debtor obj<>CENLAR/Wheatley Ave (KML)
Matter ResolvedRequest
Adjourment
141/22/2025 9:00 am20-21442 / MEHOtto J. Kostbar, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $216,929.00
Received funds from the sale closing (dm)
Atty holding $900 - ADJ to 1/22/25 (dm)

Debtor obj, selling ppty<> ARREARS
Matter ResolvedRequest
Adjourment
161/22/2025 9:00 am20-21715 / MEHJonathan Stone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $68,850.00
MP 1/22<>>

FAILED TO FILE MP FOR 100% PAYOUT WITHIN 10 DAYS OF 5/8/24 ORDER APPROVING PP FINANCING, DOC #86
Matter ResolvedRequest
Adjourment
171/22/2025 9:00 am20-23522 / MEHRyan L. Gentile, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $91,560.00
Debtor obj, made pymt<>FEDERAL HOME LOAN / Baltic Ave (ROBERTSON)
Matter ResolvedRequest
Adjourment
151/22/2025 9:00 am21-11630 / MEHLee M. Perlman, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $36,328.00

Debtor obj, will pay<> NEWREZ/Luppatatong Ave (Padgett)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am21-12664 / MEHEdward Hanratty, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $6,900.00
AMT: CRED ADDRESSES UPDATED; NEEDS RECAP TO PAY CLMS & GUC MIN:
PPSD TR ORDER - $ 6,750 PTD (45); $ 307 X 15 BEG 1/1/25 (EMAIL TO ATTY)<<>>

Debtor obj<>PLAN WILL NOT COMPLETE TIMELY DUE TO ORDER ALLOWING #18-1, #19-1 #20-1; NEEDS TO ADDRESS NTC OF RESERVE TO PAY THESE CLAIMS FILED BY DEBTOR ON BEHALF OF CREDITORS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am21-14364 / MEHMoshe Rothenberg, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $45,944.00
US BANK TRUST/Marter Ave (RAS)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am21-14420 / MEHJustin M. Gillman, Esq.Motion Reopen Ch. 13 Case (fee)No Opposition Filed
MTN REOPEN/FILE CERT OF COMPLETION/FINC MGMT COURSE
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am21-19016 / MEHThomas G. Egner, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $52,158.00
Debtor obj, now current<> JP MORGAN CHASE/Lake Ave (Powers)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am21-19243 / MEHScott J. Goldstein, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $78,300.00
Debtor obj, made pymt<>SN SERVICING CORP /Granite Rd (FRIEDMAN)
Matter ResolvedRequest
Adjourment
221/22/2025 9:00 am22-10362 / MEHGeorge E. Veitengruber, III, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $62,140.00
AMT: DEBTOR MADE PYMTS/DUE FOR DEC. ADJ TO 1/22 FOR TR ORDER TO RECAP OR EXTEND PLAN TO INCLUDE PENDING FEE APP<<>>

(amt; 7/11 sale order --did Rodeo Ct sell? - NO)

Debtor obj, made payment<> ARREARS
Matter ResolvedRequest
Adjourment
201/22/2025 9:00 am22-11165 / MEHJohn A. Lipowski, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $95,782.00
ADJ to 1/22 Peremptory to be current or dismiss (dm)

Debtor intends to make 2 payments by 12/10/24 (dm)
ADJ to 12/10 - Atty to email DM with payment proposal (dm)

Per Atty, there is a TFS payment of $5,857.99 clearing this week. But arrears would still be $11,700. Emailed attorney the payment history (dm)

Debtor obj, made pymt 10/18 and will pay another end Oct>ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am22-11454 / MEHJonathan Goldsmith Cohen, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTotal Paid In: $236,096.00
MOTION TO APPROVE PP FINANCING TO PURCHASE PROPERTY
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am22-11454 / MEHJonathan Goldsmith Cohen, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTotal Paid In: $236,096.00
MOTION TO PURCHASE PROPERTY/1116 SEASHELL AV
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am22-11974 / MEHRoman Akopian Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $19,476.00
Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am22-13264 / MEHPRO SEOrder Shorten TimeNeeds Resolution of Issues - ObjectionsTotal Paid In: $80,350.00
ADJ by MEH to 1/22/25 - MP should be filed on the Docket by then to address the post-petition vehicle arrears.

OST - Global Lending obj (Stewart Legal) <> Motion to Reconsider (Order Vacating Stay - Global Lending - 2020 Mitsubishi)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am22-13291 / MEHRobert C. Nisenson, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $5,600.00
Debtor obj, will pay<> ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am22-14960 / MEHJoseph Casello, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $13,800.00
AMT; $13,800 ptd (30); $ 884 x 30 beg 1/1/25 (email to atty)<>

Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am22-16344 / MEHJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $19,144.00
SV/WILMINGTON SVGS; ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am22-17404 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $18,250.00
FAILED TO FILE MTN TO APPROVE DISTRIBUTION OF AUTO LOSS PROCEEDS/2018 ELANTRA
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am22-17699 / MEHMoshe Rothenberg, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $40,487.00
Debtor obj, can pay<> UNITED TELETECH FINANCIAL FCU/Chelsea St ( McKenna)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am22-20142 / MEHJohn Zimnis, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $22,360.00
Debtor obj, making pymts<>WELLS FARGO BANK/2015 Acadia (LOGS)
Matter ResolvedRequest
Adjourment
261/22/2025 9:00 am23-10913 / MEHThomas G. Egner, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $11,172.00
RAS (Cory Woerner) advises that creditor is rejecting conduit and opposes any further adjournment absent proof that are sufficient funds to bring account current (dm)

Debtor okay with Conduit (dm)

AMT; TR LTR REQUESTING CONDUIT<>

Debtor obj<>PHH/St. Marys St (RAS)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-11189 / MEHAndrew Thomas Archer, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTotal Paid In: $18,017.00
CANYON WOODS CONDO (RAYMOND AND RAYMOND)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-11648 / MEHCarrie J. Boyle, Esq.Motion Relief from Stay (Fee)No Opposition Filed
PENNYMAC LOAN (FRENKEL LAMBERT)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-11786 / MEHJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $38,406.00
FAILED TO COMPLETE LM OR SALE OF 236 TREPTOW RD PPTY BY 9/30/24
Matter ResolvedRequest
Adjourment
311/22/2025 9:00 am23-12216 / MEHBrian Gregory Hannon, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $49,000.00
ADJ to 1/22 - Bill Craig still working on info on the 2nd loan (dm)

ADJ by MEH to 12/10 for creditor to get arrears claim on the 2nd loan and for debtor to make a proposal (dm)

- $22,000 arrears per Creditor
- Debtor has $16,000 immediately, pay taxes immediately, double payments on the mortgage, need info on acceleration of the 2nd loan

MID PENN BANK/ Churchill Ave/James St (EISENBERG)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-12834 / MEHCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $3,843.00
Debtor obj, will pay<> ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-14816 / MEHDavid G. Beslow, Esq.Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $12,110.00
Debtor obj<>US BANK NAL'T ASSOC (STERN & EISENBERG)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-15116 / MEHDonald C. Goins, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $44,700.00
Debtor obj<>CARRINGTON/Lenny Court (Stern & L)
Matter ResolvedRequest
Adjourment
401/22/2025 9:00 am23-15116 / MEHDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $44,700.00
AMT: MP 1/22<<>>

Debtor obj, made pymts<>ARREARS have been paid; case has not been paid off at 100% PLAN BALANCE AS OF 8/28/24 IS 7,854.41

>>Motion to modify POC on 9/4

NEEDS TO RESOLVE CAPITAL ONE POC #10-1
plan had secured unaffected - they filed a GUC claim (no deficiency stated) - plan is 100% - pay it in full at 100%??
Matter ResolvedRequest
Adjourment
411/22/2025 9:00 am23-15148 / MEHStephen M. Goldberg, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $13,585.00
Debtor obj<>NATIONAL MTG/Brandywine Circle /Brandywine Circle (Gross Polowy)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-15161 / MEHRoger J. Yehl, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $123,059.00
Debtor obj, made pymt<>SELECT PORTFOLIO/Tilton Rd (RAS)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-15283 / MEHRobert Cameron Legg, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTotal Paid In: $11,139.00
MTN ALLOW ADMIN OF CASE/JAMES HANSEN
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-15457 / MEHMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $9,110.00
Debtor obj, filing MP & LM mtn<>SV/CARVANA; NEW AM FUNDING APOC #21-2 INDICATED A LM EFFECTIVE 4/1/24-NO ORDER APPROVING LM HAS BEEN ENTERED (Loan Mod Order entered - doc #50)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-16057 / MEHJustin M. Gillman, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $4,965.00
FORD MOTOR/2019 fUSION (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-16532 / MEHRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $49,508.00
Debtor obj, made pymt<>US BANK TRUST NA'L ASSOC/oceanic Drive (RAS)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-17767 / MEHDavid G. Beslow, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $7,815.00
Last payment made in July
Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment
481/22/2025 9:00 am23-17816 / MEHCarrie J. Boyle, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $5,225.00
Debtor obj, made pymt<>ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-18035 / MEHJustin M. Gillman, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition FiledTotal Paid In: $4,220.00
LOSS MIT
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-18035 / MEHJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $4,220.00
AMT: MP 1/22<<>>

Debtor obj, filing MP<>FAILED TO LM BY 9/30/24
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-18083 / MEHSteven D. Pertuz, Esq.Objection to Debtor's Claim of ExemptionNo Opposition FiledTotal Paid In: $158,983.00
TRUSTEE OBJ TO AMD SCH C, DOC #80, EXEMPTIO FOR 100% FMV
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-18722 / MEHMelinda D. Middlebrooks, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $4,700.00
Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-18836 / MEHDaniel E. Straffi, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNeeds Resolution of Issues - ObjectionsTotal Paid In: $7,000.00
US Bank obj ( Friedman Vartolo)<>LOSS MIT/SN SERVICING
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-18836 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $7,000.00
MP 1/22/25 >>>

Debtor obj, filed MP<>FAILED TO SELL EAST HINES ST PPTY BY 10/1/24
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-19523 / MEHRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $7,041.00
FAILED TO SELL CHURCHILL RD PPTY BY 11/30/24; ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-19600 / MEHJonathan Goldsmith Cohen, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $16,268.00
TD BAN/2018 Ford Explorer(GROSS)
Matter ResolvedRequest
Adjourment
581/22/2025 9:00 am23-20409 / MEHBrian S. Thomas, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $37,686.00
MP 1/22 >>> Needs Resolution

Interim Order submitted to Chambers on 12/22/24 (dm)

AR NOTES - $16,338.72 arrears through Nov.
- debtor wants to pay car in the plan
- POC is for $55,196
- 100% Plan will be proposed


Debtor obj, requests recap<>SANTANDER/2023 Silverado (Eisenberg & Gold)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-20500 / MEHDavid G. Beslow, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $2,600.00
Debtor obj<> MAEBROOK AT RENAISSANCE ( Haber, Silver)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-20501 / MEHMarc C. Capone, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $5,386.00
NEWREZ (/ Laurelbrood Dr ) PARKER MCCAY)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-21278 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $2,572.00
AMT: MP 1/22<<>>

Debtor obj, filed MP<>FAILED TO SELL BERKELEY DR PPTY BY 9/30/24
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-21278 / MEHDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $2,572.00
Debtor obj, objects to hazard ins charge<>PHH MTG /Berleley Drive (MCCALLA)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-21918 / MEHRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $3,300.00
SV/US BANK
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am23-21992 / MEHJonathan Stone, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - Objections
Trustee limited OBJ
- need to use updated standard order.
- need to add that MP shall be filed within 7 days.
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-10009 / MEHMelinda D. Middlebrooks, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $9,001.00
Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment
641/22/2025 9:00 am24-10009 / MEHMelinda D. Middlebrooks, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $9,001.00
Debtor obj, proposes pymt<> CENLAR/Parkinson Ave (Saltzman)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-10016 / MEHGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition Filed
PLAN DENIED ON 10/9/24 AND FAILED TO FILE MP IN 14 DAYS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-10136 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - Objections
AMT: MP 1/22<<>>

Debtor obj, filed MP<>DEBTOR'S PLAN DENIED ON 9/25/24 AND FAILED TO FILE MP IN 14 DAYS
Matter ResolvedRequest
Adjourment
661/22/2025 9:00 am24-10142 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - Objections
Dan wants file another MP to surrender certain vehicles and propose 100% - MP to be filed by 12/25


amt: mp 12/10** RECOMMEND DISMISSAL**<<>>

Debtor obj<>PLAN WAS DENIED ON 4/17 AND FAILED TO FILE MP

100% plan

Matter ResolvedRequest
Adjourment
681/22/2025 9:00 am24-10186 / MEHMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $19,700.00
MP scheduled for 2/11

MP filed by 12/18 - ADJ to 1/22
Debtor still needs MP - stay relief on Jeep Cherokee (dm)

Debtor obj<>FAILED TO COMPLY WITH PROVISION OF 7/17/24 CONFIRMATION TO FILE CONSENT ORDER RESOLVING REGIONAL ACCEPTANCE OBJ (Obj withdrawn) TO PLAN AND ADDRESS NJ DIV OF TAX WITHIN 30 DAYS (Heather Anderson confirmed no taxes owed - strike per plan treatment)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-10317 / MEHPeter J. Broege, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $15,962.00
AMERICREDIT FINC /2014 Nissan Xterra(EISENBERG)
Matter ResolvedRequest
Adjourment
761/22/2025 9:00 am24-11209 / MEHPRO SEMotion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $15,986.00
Per RAS, final Loan Mod is being mailed out as of 1/13/25 (dm)
Debtor should have received a Trial Payment Plan - is she accepting TPP (dm)

RAS ADJ Request for 9/11/24 - Mod App is complete & decision expected by 8/30/24 (dm)

AR NOTE LENDER MFR AS OF 5-1 -24 POST PETITION DUE $3944 DEBTOR MP PLAN CURE AND MAINTAIN PLAN IS TYPED AND PRO SE DEBTOR HAD ASSISTANCE WHICH SHE PAID FEES - TRUSTEE IS REVIEWING

Debtor obj, applying for LM<>US BANK TRUST/ Pebble Lane (ROBERTSON)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-11579 / MEHLaurence R. Sheller, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $8,221.00
Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-12780 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $3,250.00
Debor obj, filed loss mit extension; will address late clm<>FAILED TO LM BY 10/1/24; FAILED TO ADDRESS MCKENNA LATE CLM #8-1
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-12990 / MEHKevin C. Fayette, Esq.Motion Relief from Stay (Fee)No Opposition Filed
THRENTON HOUSING AUTHORITY (SZAFERMAN LAKIND)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-13305 / MEHScott D. Sherman, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $900.00
Debtor obj<>ALLY CAPITAL /2018 Mercedes (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-13404 / MEHBruce C. Truesdale, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $2,883.00
LAKEVIEW LOAN/Dunleigh Court (McCABE)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-13451 / MEHJeanie D. Wiesner, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $6,065.00
Debtor obj, proposes pymts<>ALLY CAPITAL/2014 Pilot (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-13761 / MEHWarren S. Jones, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/11/2025 9:00 am

AMT: MP 2/11/25

Atty filed obj, MP filed<> PLAN DENIED 9/18 AND FAILED TO FILE MP IN 14 DAYS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-14092 / MEHMoshe Rothenberg, Esq.Motion Withdraw As AttorneyNo Opposition Filed
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-14280 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - Objections
AMT: MP 1/22 <<>> Recommend Dismissal

Debtor obj, filed MP<>PLAN WAS DENIED ON 10/16/24 AND FAILED TO FILE MP IN 14 DAYS
Matter ResolvedRequest
Adjourment
861/22/2025 9:00 am24-14285 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - Objections
AMT: MP 1/22 >>> Needs Resolution

Debtor obj, filing MP<>FAILED TO FILE MP, ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-14544 / MEHGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)No Opposition Filed
AMERICREDIT FINC/2016 Chevy Trax (EISENBERG)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-14631 / MEHAndrew Thomas Archer, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition Filed
PAY CHILD SUPPORT O/S
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-15004 / MEHMaryBeth Schroeder, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTotal Paid In: $30,836.00
MTN FIX UNSECURED CLM OF MS SERVICES
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-15268 / MEHJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $1,673.00
Debtor obj<>SANTANDER / 2019 Mercedes(EISENBERG)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-15647 / MEHAndrew Micklin, Esq.Motion Relief from Co-Debtor StayNo Opposition Filed
US BANK TRUST /East Cliff Rd (RAS)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-15681 / MEHJustin M. Gillman, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition Filed
LOSS MIT
Matter ResolvedRequest
Adjourment
971/22/2025 9:00 am24-15681 / MEHJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objections
Debtor obj<>US BANK TRUST/ S 9th St (STERN & EISENBERG)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-15841 / MEHKevin S. Quinlan, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $3,854.00
LEGACY MTG ASSET TRUST/ newell Ave (PADGETT)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-15929 / MEHJoel R. Spivack, Esq.Motion Requesting RedactionNo Opposition FiledTotal Paid In: $8,400.00
Matter ResolvedRequest
Adjourment
841/22/2025 9:00 am24-15929 / MEHJoel R. Spivack, Esq.Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $8,400.00
Debtor obj, made pymts<>FREEDOM MTG / Manchester Way (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-16062 / MEHCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition Filed
MTN EXPUNGE CLM#15
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-16062 / MEHCandyce I. Smith-Sklar, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceNo Opposition Filed
MTN TO REFI - ERMA
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-16112 / MEHJeanie D. Wiesner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $568.00
FAILED TO ADDRESS GREENE LATE CLM #14-1 ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-16370 / MEHDaniel E. Straffi, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition Filed
LOSS MIT/SHELLPOINT MTG
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-16385 / MEHGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $2,864.00
US BANK TRUST NAT'L /Emerald Dr (RAS)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-16618 / MEHMoshe Rothenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition Filed
PLAN DENIED ON 11/19/24 AND FAILED TO FILE MP IN 14 DAYS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-16651 / MEHRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition Filed
FAILED TO COMPLY WITH INTERIM SCHEDULING ORDER REGARDING CONF; ARREARS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-16697 / MEHPeter E. Zimnis, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition Filed
MTN EXPUNGE FINWISE BANK CLM
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-17052 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition Filed
PLAN DENIED ON 11/19/24, FAILED TO FILE MP IN 14 DAYS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-17111 / MEHAndrew Thomas Archer, Esq.Motion Relief from Co-Debtor StayOrder Previously Submitted
Debtor obj<>NEWREZ/SHELLPOINT /Garwood St (MCCALLA)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-17280 / MEHPeter E. Zimnis, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $2,500.00
NEWREZ/SHELLPOINT- iowana Ave (RAS)
Matter ResolvedRequest
Adjourment
931/22/2025 9:00 am24-17337 / MEHLee M. Perlman, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
Debtor obj, made pymt & requests recap<>PINGORA LOAN/Monmouth Rd (BROCK &SCOTT)
Matter ResolvedRequest
Adjourment
951/22/2025 9:00 am24-17373 / MEHRobert C. Nisenson, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objections
MP 1/22 >>> Recommend Dismissal

AR NOTE ADJ by MBK to 11/27 - MP to be filed within 14 days that is feasible - a simple proposed Loan Mod will not be sufficient. Note that the debtor has $80k liquid funds in the bank (dm)

Creditor Atty asserts:
- 6th Bk filing.
- $128k mortgage arrears.
- multiple failed Loan Mod attempts.
- debtor is elderly so no anticipated change in income for feasibility.


Debtor obj, current<>SN SERVICING/Sommers Lane (FRIEDMAN)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-17792 / MEHDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)No Opposition Filed
RUSHMORE SERVICING /Nixon Ave (FRIEDMAN)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-17964 / MEHCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
Debtor obj, cannot pay, seeking dismissal<>LAKEVIEW LOAN/Brian Drive (HLADIK ONORATA)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-18212 / MEHStephanie Shreter, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Moot
AMT: PLAN WAS DENIED ON 12/10; CASE WAS NOT DISMISSED; COURT ENTERED AMENDED MINUTES

Motion to Vacate Dismissal
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-18238 / MEHRobert Cameron Legg, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)No Opposition Filed
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-18355 / MEHYakov Rudikh, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $5,506.00
US BANK TRUST COMPANY /Florence Ave (PADGETT)
Matter ResolvedRequest
Adjourment
981/22/2025 9:00 am24-18383 / MEHAdam G. Rosenberg, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
OST - MTN TO VACATE DISMISSAL
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-18759 / MEHKarina Pia Lucid, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTotal Paid In: $2,010.00
Motion to Approve PP Financing (2021 Toyota Corolla) Nunc Pro Tunc
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-18935 / MEHYakov Rudikh, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition Filed
PLAN DENIED ON 11/19/24 AND FAILED TO FILE MP IN 14 DAYS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-18938 / MEHCamille J. Kassar, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)No Opposition Filed
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-19086 / MEHPeter E. Zimnis, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledTotal Paid In: $3,750.00
MTN EXPUNGE CLMS
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-19276 / MEHJames J. Cerbone, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)No Opposition Filed
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-19715 / MEHPaul H. Young, Esq.Motion Relief from Stay (Fee)No Opposition Filed
AMERICREDIT /2016 Jeep Wrnagler (EISENBERG)
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-19715 / MEHPaul H. Young, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)No Opposition Filed
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-19762 / MEHAndrew M. Carroll, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)No Opposition Filed
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am24-19807 / MEHErik M. Helbing, Esq.Motion Dismiss CaseNo Opposition Filed
DEBTOR MTN TO DISMISS
Matter ResolvedRequest
Adjourment
1011/22/2025 9:00 am24-21500 / MEHRobert C. Nisenson, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
Bridge Order to 1/22/25
OST - MTN CON'T STAY
Matter ResolvedRequest
Adjourment
1031/22/2025 9:00 am24-21814 / MEHJeffrey H. Ward, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
Bridge Order to 1/22/25
OST - MTN EXTEND STAY

341 Ready for 1/30/25
No Trustee Payments
Matter ResolvedRequest
Adjourment
01/22/2025 9:00 am25-10045 / MEHLee M. Perlman, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
OST - MTN TO EXTEND SAY
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am20-21715 / MEHJonathan Stone, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 46 of 51 required payments   Arrears: $0  
Total Paid In: $68,850.00
AS OF 1/14/2025 (at):

Trustee's objection:
- The proposed Modified Plan does not include a monthly payment or term in Part 1a.

MP proposes: nothing except 100% plan
Arrears: $225 credit
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am23-12494 / MEHPeter E. Zimnis, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 12 of 22 required payments   Arrears: $770.00  Total Paid In: $8,720.00
1/14 workup for the 1/22 calendar EDC

$8720 paid then 899 x 38 beg 2/1/24 pro rata--trustee to pay Capital One Secured arrears amount of $435.24 through the plan as secured claim to be paid pro rata with other secured creditors
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am23-15116 / MEHDonald C. Goins, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 57 of 19 required payments   Arrears: $0  
Total Paid In: $44,700.00
ISSUES AS OF 1/14/2025 (DM):

***Debtor will need to resume Trustee payments and get consent order with Capital One or amended POC to pay arrears on 2015 Mazda 3***

1) MP provides $4,254.09 arrears treatment to Capital One (Lavin, Cedrone) on 2015 Mazda 3 - 10/16/24 Consent Order provides that creditor will amend its POC after lien is perfected - email sent to Regina Cohen for update (UNRESOLVED.)

2) MP provides $7,207.50 secured treatment to The Crossing at Aberdeen Condo Assn - claim filed as unsecured and has been receiving GUC treatment (CONTINUE TREATMENT AS GUC??)


Confirmed Case: $790 x 36, $1,000 x 24, 100% Plan w $155k Min Div.
Prop. MP: $790 x 36, 100% Plan.
PTD = $44,700, Arrears $0 as MP filed.
Last Claim (13-1) dated 3/18/24.
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am23-15357 / MEHLeonard S Singer Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 12 of 19 required payments   Arrears: $23,518.00  Total Paid In: $58,035.00
ISSUES AS OF 1/8/2025 (DM):

1) Citibank (RAS) OBJs - sale is speculative as it is silent as to what efforts have been undertaken to sell the property. No application to appoint professional has been filed (UNRESOLVED.)

2) Trustee OBJ:
- Need Supplemental Fee App if $3,750 in the MP is a new charge.
- Need amended Sch I&J filed (UNRESOLVED.)
- Need updated proof of income to support the proposed payment of $100 per month.


Confirmed Case: $25,105 Ptd, $4,704 x 35, $5,402 x 18, 100% Plan
- balance paid from sale/refi of Spruce Meadows Dr by 9/15/27.
Prop. MP: $100/month until sale, 100% Plan.
- sale of Spruce Meadows Dr by 6/15/25.
PTD = $58,035, Arrears $18,814 as MP filed.
Last Claim (3-1) dated 8/30/23.
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am23-18035 / MEHJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 14 of 16 required payments   Arrears: $297.00  Total Paid In: $4,220.00
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am23-18836 / MEHDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 14 of 15 required payments   Arrears: $500.00  Total Paid In: $7,000.00


Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am23-19331 / MEHJohn Michael McDonnell, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 1/14/2025 (at):

1. 341 has not been held or rescheduled.
2. Payments: 3/3
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am23-20409 / MEHBrian S. Thomas, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 9 of 14 required payments   Arrears: $8,062.00  Total Paid In: $37,686.00
ISSUES AS OF 1/8/2025 (DM):

1) Need consent order with Santander (Bill Craig, Esq) to set the exact amount the Trustee shall pay on the 2023 Chevy Silverado after $954.26 payments inside the plan are credited and payments outside the plan are credited (UNRESOLVED.)

2) Trustee OBJ:
- MP should be 100% and not a Base.


Confirmed Case: $13,500 Ptd, $4,031 x 54, 100% Plan w $162k Min Div.
Prop. MP: Ptd, $5,481 x 47, Base Plan.
PTD = $37,686, Arrears $4,031 as MP filed.
Last Claim (18-2) dated 2/16/24.
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am23-21278 / MEHDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 13 of 13 required payments   Arrears: $0  
Total Paid In: $2,572.00
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am23-21365 / MEHPRO SEOrder Vacate Dismissal of CaseRecommend DismissalDebtor has made 14 of 13 required payments   Arrears: $167.00  
As of 1/12/25(mk) SAME AS BELOW- NOTHING RESOLVED
CASE IS 13 MOS OLD.


ADJ to 1/22/25 Peremptory on all issues - debtor was advised about Disposition List, taxes, service of cram and trustee objections (dm)

AS of 12/4/24: NOTHING DONE

ADJ to 12/10 Peremptory by AR - debtor is looking for an attorney (dm)

As of 11/4/24(mk): Debtor email has been unsuccessful in trying to resolve the estimated claim with the IRS
case is 11 mos. old


9/17/24: debtor been working on IRS claim and plan - 11/6/24 PEREMPTORY

8//28/24(mk) Emailed debtor w/ plan issues for IRS and 2 car claims and lack of fesibility

8/19/24: insurance for both autos provided

AS OF 8/15/2024 (at):

1. Need Service on Capital One Auto for cram of 2017 Toyota.

2 IRS priority claim is estimated for 2022 taxes. Not treated in plan. (STILL ESTIMATED)

3. Trustee's objection:
- The debtor has insufficient income negative $2,798.81.( Debtor is near current)
- The debtor has failed to file a feasible plan
- The debtor has failed to supply the Trustee with the following document (s):
car insurance policy expires 4/13/2024 (NEED PROOF OF INSURANCE FOR BOTH CARS - RECEIVED BY EMAIL)
- A Modified Plan that proposes as 60 month plan
- Per SNAP statement debtor must reapply by 4/15/2024 or benefits will end 4/30/2024.
- IRS priority claim is estimated for 2022 taxes. Not treated in plan. (STILL ESTIMATED)
- must file pre conf cert. (NOT FILED)

Plan proposes: $200 x 60 beginning 1/1/2024, ? to unsecured creditors
Payments: 13/13
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-10136 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 12 of 12 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-13761 / MEHWarren S. Jones, Jr., Esq.Confirmation Hearing ScheduledContinued
2/11/2025 10:00 am
Debtor has made 9 of 9 required payments   Arrears: $0  

ISSUES AS OF 1/8/2025 (DM):

 11/19/24 (DM): ADJ to 1/22 - Atty disagrees with Trustee position and wants to document his position (dm)

1) Trustee OBJ to MP:

- MP provides $1,199.88 to Capital One for post-petition arrears on 2019 Dodge Ram - no MFR filed and no order to pay said claim (NEED CONSENT ORDER OR STRIKE??)

- MP provides $3,639.78 to M&T Bank for post-petition arrears on mortgage claim - no MFR filed and no order to pay said claim (NEED CONSENT ORDER OR STRIKE??)

- MP provides $1,118.54 to M&T Bank for post-petition arrears on 2022 Hyundai Tucson - no MFR filed and no order to pay said claim (NEED CONSENT ORDER OR STRIKE??)

2) Trustee OBJ:
- Proof of income verifies higher for Debtor ($5,977.92) than scheduled ($4,557.05) resulting in $1,894 for monthly disposable income. Income for the Debtor was calculated using Debtor's January - April YTD net income of $23,911.69/4 months equals $5,977.92. Will need to recommend $2,500 pd, $947 x 55 begin 10/1/24.

***RESOLVED ISSUES***

A) M&T Bank filed a bifurcated claim for 2022 Hyundai Tuscon (MP PAYS ARREARS - SECURED/UNSECURED SHALL BE TREATED OUTSIDE THE PLAN.)

B) Trustee OBJ:
- MP has no monthly payment or duration (MP CORRECTS.)
- MP fails to list attorney fees due (MP CORRECTS.)
- Need DSO information (RECEIVED.)
- Need bank statements from all 4 bank accounts (RECEIVED.)
- Proposed Plan does not elect joint administration (MP CORRECTS.)
- Need 2nd mtg statement if POC is not filed (POC 13-1 FOR HVAC EQUIPMENT IS THE 2nd LIEN ON THE PROPERTY.)
- There is $10,817 non-exempt equity in the residence after taking full 522(d)(1) and 522(d)(5) exemptions, and there is $150 non-exempt equity in Manasquan Bank acct #7794 and $1,791 in acct #6011 for a total of $12,760 (CMA VALUE WAS ENTERED INCORRECTLY - LIQUIDATION ADJUSTED.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop Plan $500 x 60, Base Plan
PTD 9/9 = $4,500
Last Claim (14-1)
Matter ResolvedRequest
Adjourment
1191/22/2025 10:00 am24-14065 / MEHRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 9 required payments   Arrears: $200.00  
AR RESOLVE OR HOLD

ISSUES AS OF 1/8/2024 (DM):

 12/26/24: Cameron responded to AR email advising still working with judgment holders but getting much closer. Hoping to close within 30 days.

 ADJ to 12/10 - Cameron to update on sale closing date (dm)

1) Part 4f provides for payment at sale to the IRS on a $208,989.62 judgment - but amended POC filed by the IRS does not show any secured claim (NEED TO REVIEW HUD-1 AFTER SALE.)

2) State of NJ filed $8,276.32 amended secured claim not treated in the plan (OKAY TO PAY?? - Yes)

3) Shellpoint (FRIEDMAN VARTOLO) OBJs - not to sale, but to confirmation unless a consent order is entered giving stay relief should property not be sold, plus plan fails to provide any supporting docs regarding sale (UNRESOLVED.)

4) Harbor Pointe Condo Assoc (DEAN SEMER, ESQ) OBJs - incorrect arrears owed, plus debtor owes post-pet arrears (UNRESOLVED.)

5) Trustee OBJ:
- Debtor has insufficient income to fund the Plan.
- Need updated income if debtor returns to Amazon from medical leave.
- Need proof of social security income, disability or unemployment income if debtor is not employed (UNRESOLVED.)
- There is $11,264 non-exempt equity in real property (SALE PENDING) and $9,219 in 2016 Audi.
- Need to add to confirming order non-exempt proceeds from sale of residence to Trustee.

***RESOLVED ISSUES***

A) IRS filed $1,788 priority claim that includes estimated taxes for 2021 & 2022 not treated in the plan (AMENDED.)

B) Trustee OBJ:
- Need copy of 2021 and 2022 tax returns due to estimated tax claim (POC AMENDED.)
- Need amended Sch A/B and C to change the value of the Kawasaki Wave Runner to $2,600 based on the testimony at the 341 Hearing (AMENDED.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $200 x 36, Base
- sale of Bridgewater Dr within 6 months
PTD 8/9 = $1,600
Last Claim (15-2)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-14280 / MEHDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 4 of 9 required payments   Arrears: $3,500.00  
AS of 1/13/25(mk);

>>CASE IS NOW 9 MOS OLD AND STILL NOT FEASIBLE AT ALL. 4/9 payments Arrears $3500

>work up on MP before Conf #27

1. ESTIMATED TAX CLAIM for St. Of NJ- Secured and unsecured

2. Trustee Objection:
- plan has Refinance of real property. There is a Consent order w/ Wells Fargo for a Loan modification by 7/22/25
IS TR PAYING ARREARS PENDING LM?? The order w/ Wells Fargo is silent and plan looks like TR is to pay arrears pending. Need clarification.

- Huge tax claim by IRS $585,484.53. NOT FEASIBLE
debtor says has accountant working w/ taxing authorities. case is 9 mo s old


Plan:$7000 PTD; $2500 X 12; REFI 1/2026 (3106 HURLEY POND RD); BASE
4/9 payments Arrears $3500

------------RESOLVED--------------
Wells Fargo obj resolved. PLM by 7/22/25
Matter ResolvedRequest
Adjourment
1251/22/2025 10:00 am24-14285 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 9 of 9 required payments   Arrears: $0  

ISSUES AS OF 1/10/2025 (DM):

***Debtor needs to address feasibility based upon $63,552 non-exempt threshold in former marital residence. Trustee reviewing terms of Dual Judgment of Divorce***

 11/19/24: Per AR okay to ADJ - inherited property not Deeded in Debtor's name yet.

1) Trustee OBJ:
- There is $60,841 non-exempt equity in the Howell NJ property.
- Tax refund in the amount of $$621 was not prorated and included in disposable income calculation.
- Disposable income verifies higher at $1,569 because divorce papers show support income of $2,800 (Paragraph #4,2 Divorce Judgment) while schedules only show $1,293 per month.
- Need to add all non-exempt proceeds from inherited property to Conf Order.

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need an executed quit claim deed for Howell property (RECEIVED.)
- Need signed and entered property settlement/divorce decree (RECEIVED.)
- Need homeowner's insurance for property in Aguadilla (OKAY PER AR - INHERITED PROPERTY NOT DEED IN DEBTOR'S NAME YET.)
- Need copy of Deed for property in Aguadilla (RECEIVED BUT IN SPANISH.)
- Need CMA for property in Aguadilla (RECEIVED - THERE IS $2,711 NON-EXEMPT EQUITY IN THIS PROPERTY.)
- Need a MP that increases trustee payment in September 2026 by $420 when pension loan is paid off (MP FILED.)


Prop. Plan $500 x 29, $920 x 31, $25,000 Min Div
- student loans treated outside plan.
PTD 8/9 = $4,000
Last Claim (10-1)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-14631 / MEHAndrew Thomas Archer, Esq.Order Vacate Dismissal of CaseRecommend DismissalDebtor has made 6 of 8 required payments   Arrears: $2,000.00  
Peremptory for 1/22/25

AS of 1/12/25(mk):CASE NOW 8 MOS. OLD

6/8 payments Arrears 2,000 last pay was Nov.2024. debtor is always behind

1. Plan has pay child support OUTSIDE PLAN- there is a claim for 12,121.74- and plan only had 9,000 -NEED ORDER TO PAY OUTSIDE- Motion filed and on 1/22/25

2. Trustee Objection: Suppl
-plan payments need to increase to cover claims and debtors income is insufficient to pay that. Needs 1274 x 52 Begin 2/1/25- debtor has not been able to keep current at 1,000 p/m. Verified dispos. income is $992. NOT FEASIBLE
and will not be able to do a Prompt cure UNLESS atty fees are paid AFTER the Landlord receives all of the claim amount.

Plan:$1000 X 60; 0%
6/8 payments

------------------RESOLVED--------------------------------
. Per plan secured claim for IRS for 2,588- NO CLAIM FILED ANF GOV BAR HAS PASSED- Strike this or are you going to file a claim and file motion to allow late claim?
PER ATTY- STRIKE THIS

. Per plan secured claim for IRS for 2,588- NO CLAIM FILED ANF GOV BAR HAS PASSED- Strike this or are you going to file a claim and file motion to allow late claim?
PER ATTY- STRIKE THIS

Plan has TR to pay Ad Pro payments pre conf to Santander- NEED ORDER TO DO THAT>>PER ATTY SRTIKE THIS

Plan has pay Landlord- Stratford Village 11,000 over first 18 mos- NO CLAIM WAS FILED BY THIS CREDITOR AND BAR DATE HAS PASSED- STRIKE-OR FILE CLAIM AND MOTION TO ALLOW LATE CLAIM. >>MOTION FILED AND ON FOR 11/19



Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-14642 / MEHJohn Zimnis, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 44 of 8 required payments   Arrears: $2,100.00  
AS of 1/13/25(mk);

>work up on plan #24
>>plan can be 100% and will complete early

**CAN REC CONFIRM AT $4,400 PTD TTHEN $2000 X 52 BEGIN 2/1/25 100%. Strike per plan notice claims of Mooring Tax Asset and 71S Clinton**


1. Per plan claims for notice for Mooring Tax Asset and 71S Clinton- NO Claims filed. These will be stricken. All bar dates have passed.


Plan:$4300 PTD; $100 X 5; $2000 X 52 BEG 9/2024; BASE
PTD 4400 Arrears 2,100
Debtor returns to work in Feb 2025 so tiered plan




Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-14981 / MEHJohn Zimnis, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 7 of 8 required payments   Arrears: $0  
Total Paid In: $13,300.00
Atty accepts terms
ISSUES AS OF 1/8/2025 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $13,300 PTD, THEN $1,732 x 52 STARTING 2/1/25, 100% PLAN WITH $72,584 THRESHOLD PRESERVED***


Confirmed Case: $7,600 Ptd, $1,900 x 55, 100% Plan w $72k Min Div.
Prop. MP: $9,500 Ptd, $1,700 x 55, 100% Plan.
PTD = $13,300, Arrears $0 as MP filed.
Last Claim (14-1) dated 7/25/24.
Matter ResolvedRequest
Adjourment
1281/22/2025 10:00 am24-15292 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 8 required payments   Arrears: $3,973.00  
ISSUES AS OF 1/8/2024 (DM):

***If debtor provides the settlement statement for the juice business, he will need $11,931 Ptd, then $2,330 x 53 starting 1/1/25 to fund the 0% Plan. Debtor needs to show feasibility based upon payment history***

1) IRS filed $13,172.98 amended priority claim not treated in the plan (OKAY TO PAY??)

2) State of NJ filed $1,178.47 amended priority claim not treated in the plan (OKAY TO PAY??)

3) Plan provides $790.40 secured treatment to Barnegat Township - no POC filed (STRIKE?? - Yes)

4) Trustee OBJ:
- Need closing statement from the sale of juice business last year (UNRESOLVED. Cameron has this)

***RESOLVED ISSUES***

A) Ally Capital (REGINA COHEN) OBJs to surrender in full satisfaction of 2014 Isuzu - creditor wants to be able to file deficiency claim (ORDER SUBMITTED.)

B) Ally Capital (REGINA COHEN) OBJs to full payment of claim on 2016 Dodge Challenger - the claim is over secured and must be paid in full with an interest rate of 10.50% for a total $9,948.24 (ORDER SUBMITTED.)

 9/4/24 (MK): car Isuzu - surrender in plan- need Cert that it's surrendered and not operable (SURRENDER CONSENT ORDER WITH CREDITOR SUBMITTED.) Need auto insurance on Ducati - also inoperable - debtor will Cert this and not on the road (RECEIVED.)

C) Trustee OBJ:
- Must file Pre-Confirmation Certification (FILED.)
- Excessive Expense Sch J: $340 auto insurance - verifies $123 (MOOT BASED UPON SSI.)
- Need 2 months proof of income from person contributing $1,900 (RECEIVED.)
- Need auto insurance for 2014 Isuzu Medium Duty (SURRENDERED.)
- Need auto insurance for 2014 Ducati (SEE POST-341 MIS DOCS.)
- Need valuations for all cars, trucks, tractors and motorcycles etc. (SEE POST-341 MISC DOCS.)


Prop. Plan $1,988 x 60, $0 Plan.
- Loan Mod on 1st St property within 6 months.
PTD 6/8 = $11,931
Last Claim (1-3)
Matter ResolvedRequest
Adjourment
1251/22/2025 10:00 am24-15647 / MEHAndrew Micklin, Esq.Order Vacate Dismissal of CaseNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 7 required payments   Arrears: $1,886.00  
ISSUES AS OF 1/10/2025 (DM):

***Need status of MFR on the residence and Trustee will need an amended Consent Order with respect to treatment of the solar panel claim***

 MFR filed by US Bank sched 1/22/25. Debtor is post-pet arrears $5,390.47 as of 11/11/24. Must resolve.

1) Trustee OBJ:
- Need to resolve confusing claim filed by Momentum - should be a secured claim with arrears owed and priority owed. Also, application on Doc#29 filed 10/18/24 attaches consent order, but C/O was not signed by judge. This claim has balance owed $6,601.15 with priority owed $146.70, however the consent order attached to App has to pay $4,600 in full satisfaction of the $6,601.15 claim that was past due and will resume regular monthly payments. Arrears owed for priority, but according to the purchase agreement signed 8/27/19 this is a 25-year loan, so balance owed should be around $34,000, not $6,601 with arrears $4,600 removing priority amount.

- Disposable income verifies at $1,182/month when using $47,238.43 YTD Net for union job.
- Sch B lists 2012 Ford Focus and 2009 Ford Ranger - auto insurance has 2015 Ford Focus and 2005 Ford Ranger (UNRESOLVED.)
- Need to file Pre-Confirmation Certification (UNRESOLVED.)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need auto insurance for 1977 Ford F600 Classic truck (RECEIVED BY EMAIL - INSURANCE IS GOOD THROUGH NEXT SEPT - dm.)
- There is $34,039 non-exempt equity in the residence, $4,250 in the cars, and $2,050 in bank acct - total is $40,339 (100% PLAN.)


Prop. Plan $658 x 60, 100% Plan
PTD 3/7 = $2,040
Last Claim (9-1)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-15681 / MEHJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 7 required payments   Arrears: $1,000.00  
ISSUES AS OF 1/10/2025 (DM):

1) US Bank (McCalla Raymer) OBJs - $90,455.65 arrears on South 9th St property (UNRESOLVED.)

2) Part 4f of the Plan provides that Capital One will be paid per pre-petition settlement for 2018 Nissan Sentra by 10/22/24. Need amended POC or debtor needs to move against the claim (UNRESOLVED.)

3) Trustee OBJ:
- There is $20,843 non-exempt equity in real property (ONLY $9k GUCs FILED.)
- Debtor has failed to file a feasible plan when car payment of $460 ends in month 15.
- Need 2 months bank statements from all accounts listed on Sch B prior to filing date (UNRESOLVED - ONLY RECEIVED SANTANDER #3004.)
- Need to file Pre-Confirmation Certification (UNRESOLVED.)
- Must file fee app 7 days prior to confirming order.

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need updated auto insurance - insurance expires 7/22/24 (RECEIVED.)


Prop. Plan $1,000 x 60, Base Plan
- Loan Mod by 2/28/25.
- student loans outside plan.
PTD 6/7 = $6,000
Last Claim (10-1)
Matter ResolvedRequest
Adjourment
1331/22/2025 10:00 am24-16062 / MEHCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 7 required payments   Arrears: $440.00  
ISSUES AS OF 1/10/2025 (DM):

 Motion to Approve ERMA Funding pending.

1) SN Servicing (Friedman Vartolo) OBJs - $53,030.60 arrears on Conover St property (RESOLVED - CLAIM ON HOLD PENDING LOAN MODIFICATION OR ERMA FUNDING.)

2) Trustee OBJ:
- Must resolve the bifurcated claim of American First Finance - $200 secured and $385.36 unsecured for a total claim of $585.36. MP proposes $200 as secured (MOTION TO EXPUNGE CLAIM PENDING.)

***RESOLVED ISSUES***

A) West Lake Financial (Eisenberg Gold) OBJs - car purchased less than 910 days before filing, interest rate of 5% is too low, and no adequate protection payments (CO - CREDITOR TO BE PAID $14,915.93 THROUGH THE PLAN.)

B) Trustee OBJ:
- Need amended Sch I and proof of income for new job at Seabox (RECEIVED PAY STUBS AND AMENDED SCH I FOR AEROTEK.)
- Need homeowner's insurance which provides personal liability coverage (RECEIVED.)
- Need a MP that marks off Part 1e (MP FILED.)
- Need service to West Lake Financial (OBJECTION FILED - OKAY.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $266.70 x 3, $450 x 4, $1,362.95 x 53, Base Plan
- Loan Mod by 12/2024
PTD 5/7 = $1,350
Last Claim (21-1)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-16065 / MEHYakov Rudikh, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 6 of 7 required payments   Arrears: $887.00  
Atty accepts terms
ISSUES AS OF 1/10/2025 (DM):

***Proposed Plan will complete early. TRUSTEE CAN RECOMMEND CONFIRMATION AT $6,113 PTD, THEN $1,000 x 54 STARTING 1/1/25, 100% PLAN, PRE-CONFIRMATION CERTIFICATION SHALL BE FILED WITHIN 14 DAYS***

1) Trustee OBJ:
- Debtor received $10,112 tax refund not prorated on Sch I (100% PLAN.)
- Need to file Pre-Confirmation Certification (UNRESOLVED.)

***RESOLVED ISSUES***

A) Select Portfolio Servicing/US Bank (FRIEDMAN VARTOLO) OBJs - $91,904.09 arrears on Forrestal Rd property (MP SURRENDERS.)

B) Bank of New York Mellon filed 2nd mortgage claim with $63,032.72 arrears (MP SURRENDERS.)

C) New Century filed secured judgment claim for $1,032.78 (MP PAYS CLAIM.)

D) Trustee OBJ:
- Must provide property settlement agreement that shows that ex-wife has 50% interest on residence (PROPERTY SURRENDERED, EX-SPOUSE IS ON DEED, AND PLAN IS 100%.)

Note: DSO Info form provided. State of NJ claim amended, no longer estimated. IRS claim amended and no longer estimated.


Prop. Plan $1,000 x 60, 100% Plan
PTD 6/7 = $6,113
Last Claim (7-2)
Matter ResolvedRequest
Adjourment
1351/22/2025 10:00 am24-16121 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 7 required payments   Arrears: $301.00  
ISSUES AS OF 1/8/2025 (DM):

***Need Motion to Allow Late Claim***

 11/19/24 (DM): ADJ to 1/22/25 - see notes below - Cameron to file Motion to Allow Late Claim.

 10/16/24: creditor position is that there is no equity in the property - ADJ to 11/6 for debtor to decide what to do.

1) Compu-Link/Celink (RAS) OBJs - sale plan is speculative and silent as to efforts to sell the property. Total debt claim of $579,408.27 (CORY FROM RAS OKAY WITH ADDING CREDITOR OUTSIDE PER STAY RELIEF - STAY RELIEF ENTERED 11/20/24.)

2) Plan provides $4,522 cram to Edison Automotive on 2011 Ford Edge - creditor has not filed a claim - POC filed by Debtor (NEED MOTION TO ALLOW LATE CLAIM.)

3) Trustee OBJ:
- Case needs to be a Base due to possible non-exempt equity in real property and
non-exempt proceeds from the Estate of Gwendolyn V. Jones (MP NOT FILED. HOUSE THAT GOT STAY RELIEF IS THE ESTATE PROPERTY - JUST ADD NON-EXEMPT PROCEEDS TO CONF ORDER)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Excessive Expenses: electricity $600, and tele/cell/internet $692 (MOOT BASED UPON SSI.)
- Plan fails to provide for a prompt sale/refi of real estate (MOOT.)
- Need to serve Plan motions - Edison automotive not served (CERT OF SERVICE FILED.)
- There is $994 non-exempt equity in Motion FCU checking acct (LANGUAGE ADDED.)
- Add to confirming order non-exempt proceeds from sale of residence and Estate of
Gwendolyn Jones to Trustee (LANGUAGE ADDED.)


Prop. Plan $370 x 36, $0 Plan.
- sale of Gates Ave by unknown?
PTD 6/7 = $2,289
Last Claim (21-1)
Matter ResolvedRequest
Adjourment
1401/22/2025 10:00 am24-16248 / MEHAndy Winchell, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 7 required payments   Arrears: $0  

ISSUES AS OF 1/8/2024 (DM):

1) Trustee Supplemental OBJ to Confirmation.

 11/22/24 (AMT): INTERIM SCH ORDER TO CHAMBERS/7 DAY (Response Obj submitted with alternative order by debtor attorney.)

 11/18/24: Email sent to Atty regarding scheduling order - ADJ to 1/22 (dm)

 10/3/24: Adv. Pro. against Fundova LLC & ILex Asset Recovery resolved and Amended Order Approving Settlement entered. Defendant will not file a POC and will pay $3,500 attorney fees for Adversary Proceeding.

2) PHH Mortgage/Ocwen (RAS) OBJs - $78.18 arrears on Wood Ave property. Additionally, creditor objects to non-standard language in Part 4f that improperly attempts to attack the validity of secured creditors claim (UNRESOLVED.)

3) Bank of America (Frenkel Lambert) OBJs - failure to cure $379.48 arrears on 2018 Ford Explorer (PER DOUG MCDONOUGH, OKAY TO ADD TO CONF ORDER THAT $379 TO BE TREATED OUTSIDE THE PLAN - IT WAS PAID AFTER CASE WAS FILED.)

4) Trustee OBJ:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Excessive Expenses on Sch J: $500 home maintenance, $545 elect/gas/heat, $525 water/sewer/garbage, $3,200 food, $350 clothing, $500 medical, $800 transportation, $400 entertainment, $689 spouse lease car payment, $375 pet expenses, $2,500 spouse credit cards (SEE NOTES BELOW ON THIS EXP), and $400 child related expenses (UNRESOLVED.)

- Form 22c-1 takes improper deduction for a household of 6 which includes adult child, spouse, and 2 grandchildren listed as dependents. Whereas there is no income from the 2
adults listed as dependents. These dependents are not on 2023 tax returns (UNRESOLVED.)

- Form 22c-1, Line #13 has spouse credit card payments of $2,500 per month. Must Provide Proof of These Expenses (PARTIAL 7/31/24 BANK STATEMENT OF DARLENE DELLI PAOLI UPLOADED TO POST-341 MISC DOCS WITH VARIOUS TRANSACTIONS HIGHLIGHTED TOTAL $7,504.08. FULL SEPT & OCT COLUMBIA BANK STATEMENT UPLOADED TO POST-341 BANK STATEMENTS WITH VARIOUS TRANSACTIONS H
Matter ResolvedRequest
Adjourment
1411/22/2025 10:00 am24-16278 / MEHDavid G. Beslow, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 7 of 7 required payments   Arrears: $0  

ISSUES AS OF 1/10/2025 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $1,500 x 19 STARTING 7/1/24, THEN $2,000 x 12 STARTING 2/1/26, THEN $3,000 x 29 STARTING 2/1/27, BASE PLAN WITH $109,000 MINIMUM DIVIDEND TO GENERAL UNSECURED CREDITORS; TRUSTEE IS AUTHORIZED TO PAY SUNNOVA ARREARS POC (30-1) FOR $285.91 AND ACAR LEASING ARREARS POC (1-1) FOR $644.66***

1) ACAR Leasing filed $644.66 arrears claim on 2023 Chevy Traverse (OKAY TO PAY??)

2) SUNNOVA Energy Corp filed $285.91 arrears claim on solar panels (OKAY TO PAY??)

3) Trustee OBJ:
- Excessive Expenses: Electricity/heat/gas $700, Water/sewer/garbage $225, Waste disposal $90, Children education cost $400, Medical $350, Car payments $644 and $961, Solar panels $300 (monthly payments are $260.40 per POC), misc. expenses $200 personal grooming, misc. $200 for pets and pet insurance $50 (PROOF OF EXPENSES NOT RECEIVED - BUT PROPOSED PLAN ESSENTIALLY COVERS FORM 122C MIN DIV.)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Order of Distribution departs from Trustee standard (LANGUAGE ADDED - PAY PER TRUSTEE ORDER OF DISTRIBUTION.)
- Tax refund in the amount of $102 was not prorated on Sch I (AVERAGED/ADDED TO INCOME.)
- Need amended Sch A/B and C to add bank acct balances and take exemptions on the residence and bank accts (AMENDED.)
- Need to file Pre-Confirmation Certification (FILED.)
- Form 122c excessive expenses Line #15 takes additional public transportation $215, Line #22 Additional health care expense $18, and Line #23 Optional tele services $200. Line #45 shows disposable income $1,602.50, and due to excessive expenses would show disposable income of $1,885.50 requiring a minimum dividend of $113,130 to GUCs (PAYOUT OF THE PROPOSED PLAN WILL ESSENTIALLY COVER MIN DIV.)


Prop. Plan $1,500 x 19, $2,000 x 12, $3,000 x 29, Base Plan
PTD 7/7 = $10,500
Last Claim (30-1)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-16568 / MEHMarc C. Capone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 7 required payments   Arrears: $0  

AS of 1/12/25(mk):


CASE IS 7 MOS OLD

1. Trustee Objection:
-NO CERT OF SERVICE on cram of IRS or lien strip of creditor Kapitus and Francis David Corp.
- plan fails to address objection of creditor Fishman

2. OBJECTION BY pro se creditor Zvi Hershel Fishman:
- alleges false statements under Oath at testimony at 341.
- BAD faith
- claim filed #3-1 guc 126,209.67

Plan:$650 X 36; BASE
7/7payments
Matter ResolvedRequest
Adjourment
1451/22/2025 10:00 am24-16649 / MEHDonald F. Campbell, Jr., Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 6 required payments   Arrears: $836.00  
MP filed 1/14/25 to correct Part 5a (dm)
ISSUES AS OF 1/8/2025 (DM): updated 1/14/25.

1) US Bank (RAS) OBJs - $63,205.13 arrears on South St property (UNRESOLVED.)

2) Credit Acceptance (Bill Craig, Esq) OBJs to unsecured plan treatment on 2016 Ford Explorer (UNRESOLVED.)

3) Nissan Motor Acceptance filed $1,027.28 arrears claim on 2011 Nissan Murano not treated in the plan (OKAY TO ADD?)

4) Trustee OBJ:
- Atty must file a Fee App within 7 days of confirmation.
- Order of Distribution departs from Trustee standard.
- Need a MP that only selects 100% in Part 5 of the Plan (MP FILED.)
- There is $211,302 non-exempt equity in real estate (NEED 100% PLAN.)
- Need a statement for 401k loan (RECEIVED - LOAN ENDS 4/13/25 - ADD BACK $500 PER MONTH.)
- Excessive Expenses: $600 home maintenance, $2,100 mortgage (OK PER POC), $400 entertainment. Need proof of expenses 10 days prior to confirmation.
- Tax refund of $5,009 was not prorated and included in disposable income calculation.
- Need to file Pre-Confirmation Certification (FILED.)
- Need amended Sch C - blank (AMENDED.)
- Need amended Sch D to list mortgage - blank (AMENDED.)
- Need amended Sch I and provide proof of income for non-debtor spouse part-time job (RECEIVED.)


Prop. Plan $1,213.64 x 60, 100% & $0 Plan.
PTD 5/6 = $6,068.20
Last Claim (5-1)
Matter ResolvedRequest
Adjourment
1461/22/2025 10:00 am24-16651 / MEHRobert C. Nisenson, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 3 of 6 required payments   Arrears: $2,151.00  
ISSUES AS OF 1/8/2025 (DM):

***Last Trustee payment received in November - RECOMMEND DISMISSAL***

 ADJ to 1/22/25 - INTERIM SCHEDULING ORDER ENTERED
- debtor to get appraisal by 12/10/24.
- discovery completed by 1/10/25.
- Evidentiary Hearing scheduled for 1/22/25 at 2 PM

1) Aristacare at Cedar Oaks (John August, Esq) OBJs - real estate valued at $435,000 as of 7/24/24 and does not accept the cram amount due to equity (UNRESOLVED.)

2) Fifth Third Bank (RAS) OBJs - $2,380.70 arrears on Gurley Rd property not treated in the plan (CONSENT ORDER ENTERED.)

3) Trustee OBJ:
- Excessive Expenses Sch J: Childcare $1,500 (Per 2023 tax returns verifies $918 monthly) and home maintenance $225.
- Need Aug & Sept proof of income from Debtor's new job and file amended Sch I.
- Debtor has insufficient income. Disposable income verifies at $987 per month after recalculating income and deducting the difference in expenses. Still need income from new job to determine if income is more or less.
- Need MP to add cram of Aristacare Cedar Oaks on Part 4d (MOOT - CREDITOR OBJECTED.)
- There may be non-exempt equity in residence pending MP and claim of Aristacare.
- Car payment of $300 ends in month 19 and will require tier plan $300.

Note: Updated homeowner and auto insurance provided. Proof of loan deduction $250 biweekly ends 6/1/27. Service no longer needed as creditor obj to plan.


Prop. Plan $812.80 x 60, Base Plan.
PTD 3.5/6 = $2,725.60
Last Claim (6-1)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-16697 / MEHPeter E. Zimnis, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 5 of 6 required payments   Arrears: $850.00  
ISSUES AS OF 1/10/2025 (DM):

***If Motion to Expunge is granted, TRUSTEE CAN RECOMMEND CONFIRMATION AT $850 x 60 STARTING 8/1/24, 100% PLAN WITH $99,037 THRESHOLD PRESERVED, ECMC STUDENT LOAN POC (1-1) TREATED OUTSIDE THE PLAN, US BANK POC (5-2) SHALL BE PAID IN THE AMOUNT OF $28,509.40, PRE-CONFIRMATION CERTIFICATION SHALL BE FILED WITHIN 14 DAYS***

1) MP proposes $24,727.23 secured treatment to US Bank for tax claim - creditor filed an amended claim for $28,509.40 (OKAY TO PAY??)

2) Trustee OBJ:
- Disposable income verifies $5,078 (100% PLAN, SSI AND MAJORITY OF INCOME IS FOSTER CARE INCOME.)
- Plan does not propose to pay Finwise Bank $3,347.25 secured claim for Jaron's Furniture (MOTION TO MODIFY AND EXPUNGE PENDING.)
- There is $99,037 non-exempt equity in the residence (100% PLAN.)
- Need to file Pre-Confirmation Certification (UNRESOLVED.)


Prop. Plan $850 x 60, 100% Plan
- student loans treated outside plan.
PTD 5/6 = $4,250
Last Claim (5-2)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-16919 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 5 of 6 required payments   Arrears: $1,000.00  
AS of 1/13/25(mk): NOTING HAS BEEN DONE SINCE PAST HEARING ON THE CASE except debtor filed answer to ADV PRO for non dischargeability.

>>CASE 6 MOS OLD AND ALL ISSUES ARE UNRESOLVED


>Adv pro filed by creditor in #1 for non discharge

AS OF 10/11/24 (SF)

1. Objection filed by Howard and Ellen Rose (Brian Deeney) - Plan filed in bad faith and does not adequately account for their claim.

Note: Two claims were filed for the same amount of $763,981.03. Not sure if one is a duplicate. Also the claims do not have any supporting documents attached. The claims are for damages in active civil litigation.


2. Adv Complaint filed by Howard and Ellen Rose Case No. 24-16919 to determine if debt is dischargeable (Summons and pretrial conference 12/18 at 3)

3. Trustee objection:

- The debtor has insufficient income . INCOME IS NEGATIVE $2,473

- A copy of the last filed tax return - for 2023 from non -filing spouse.

- Bank of America checking acct#3047 statement pages 2-6 for 5/9/24-6/5/24 and for 6/6/24-7/11/24.

- debtor(s) plan consists of unnecessary or excessive expense items, such as: Electricity, gas, and heat $600.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $9,883 when
determining disposable income.

- The current Plan does not specify treatment of US Bank Truist National under the Plan.

- There may be non-exempt equity in the debtor's business based upon the bank statements balances of approximately $146,391. The Trustee has requested a valuation of the business.

- The amount of debt in the debtor(s) Plan exceeds the statutory limit for secured or unsecured debt pursuant to 11 U.S.C. 109(e). Total unsecured claims filed $1,573,895.20 and mortgage claim $343,484.97 total $1,917,380.17.

- Must provide accountants valuation (Balance Sheet) of business assets.

- Add to confirming order non-exempt proceeds from pending lawsuit to Trustee.

- Must add to confirming order Debtor to apply for eWage or via TFS payments.

Pl
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-17040 / MEHScott E. Kaplan, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 6 required payments   Arrears: $917.00  
AS of 1/12/25(mk):


1. Trustee Objection:
-PLAN IS VERY CONFUSING AND HAS IMPROPER TREATMENT OF CREDITORS. AND FILED A "CORRECT PLAN AT #19 LABELS AS SUPPORT- NOT PROPER.
-according to updated CMA - median price is 173,500. Plan attempts to cram 2nd and third mtgs . First Mtg is 145,960.17.Second Mtg (NO CLAIM FILED -according to Sch D is 8,871.48 and third mtg is $44,689.15- THERE IS EQUIRTY LEFT OVER AFTER THE FIRST MTG . DEBTOR CANNOT CRAM THE SECIOND AND THIRD MTG LIENS

-in Part 7 b - plan has NJHMFA as a cram - they are the first mtg holder are they also the second???

- per plan claim of Associa Comm. Mgmt Corp- NO CLAIM FILED - who are they

- income appears to be insufficient and there are arrears of $917.

- No certification of service was filed for plan motions.

- Per plan tax claims- gov. bar date bar date is 1/13- Strike if no claim filed.



Plan:$300 X 5; $617 X 55; PI PROCEEDS; BASE
2/6 payments ARREARS $917
Strip off of second and third mortgages were added. Cramdown of HOA fees was added. Plan was changed from 0% to base due to addition of nonexempt lawsuit proceeds.
Matter ResolvedRequest
Adjourment
1361/22/2025 10:00 am24-17111 / MEHAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 3 of 6 required payments   Arrears: $5,975.00  
ISSUES AS OF 1/10/2025 (DM):

***Debtor is 3 of 6 payments and taxes are still estimated - RECOMMEND DISMISSAL***

 12/6/24 (DS): Debtor Atty requested Adj to allow additional time to complete income tax returns to resolve IRS and State of NJ estimated tax claims. Adjourned peremptory, no further Adj.

1) IRS filed $5,235.31 amended priority claim that includes estimated taxes for 2021 not treated in the plan (UNRESOLVED.)

2) IRS filed a general unsecured claim that includes estimated taxes for 2018 - 2020 (UNRESOLVED.)

3) State of NJ filed $38,439.23 priority claim that includes estimated taxes for 2020 - 2022 not treated in the plan (UNRESOLVED.)

4) State of NJ filed $1,508.24 secured claim not treated in the plan (OKAY TO PAY??)

5) State of NJ filed a general unsecured claim that includes estimated taxes for 2018 & 2019 (UNRESOLVED.)

6) Trustee OBJ:
- There is $13,125 non-exempt equity in jewelry, $3,032 in Honda Pilot, $11,378 in Honda CRV - total $27,535 (100% PLAN.)


Prop. Plan $1,992 x 60, 100% Plan
PTD 3/6 = $5,977
Last Claim (1-2)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-17258 / MEHYakov Rudikh, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 6 of 6 required payments   Arrears: $120.00  
AS OF 1/14/2025 (at)-atty ok to terms

RECOMMEND: $6,360 PAID TO DATE, $1,194 x 54 BEGINNING 2/1/2025, BASE
- Preserve non exempt equity of $36,084 in real estate.
- Preserve non exempt equity of $641 in personal property.
- Need to file Pre-Confirmation Certification within 7 days of confirmation.
- Claims will be paid according to the Trustee's order of distribution.

1. Objection filed by Navy FCU (McCabe Weisberg) - failure to cure arrears of $2,843.69 (Per POC) (RESOLVED - PAY PER POC)

2. Objection filed by LVNV Funding (McCalla Raymer) - failure to pay secured claim of $20,611.07. (MOD PLAN PAYS AND NO OBJECTION TO MOD PLAN)

3. Trustee's objection:
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $36,084 in non-exempt equity in the residence. (100% Plan- MOD PLAN PAYS A BASE) (LANGUAGE ADDED)
- There is $641 in non-exempt equity in the bank accounts. (LANGUAGE ADDED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTIBUTION)

Modified plan before confirmation proposes: $1,000 x 3 beginning 8/1/2024, $1,120 x 57, base
Payments: almost 6/6, arrears $120
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-17373 / MEHRobert C. Nisenson, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 6 required payments   Arrears: $5,194.00  
AS of 1/13/25(MK): there has been no 341 hearing in this case. debtor failed to show for 12/5/24 hearing.

1/6 payments ARREARS $5,194
US Bank Objection



S. Rizos for the creditor (US Bank) appearing
Trustee wants $60k of the liquid funds to show good faith (dm)

AS OF 12/2/24 (SF)

1. 341 NOT HELD - RESCHEDULED TO 12/5/24 (no show)
2. PAYMENTS: 2/5 Arrears: $3497


ADJ by MBK to 11/27 - MP to be filed within 14 days that is feasible - a simple proposed Loan Mod will not be sufficient. Note that the debtor has $80k liquid funds in the bank (dm)

- Recommend Dismissal - do not have all 341 docs. Creditor is prosecuting the MFR.

Matter ResolvedRequest
Adjourment
1621/22/2025 10:00 am24-17591 / MEHSteven J. Abelson, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 5 of 6 required payments   Arrears: $350.00  
ISSUES AS OF 1/8/2025 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $350 x 60 STARTING 8/1/24, BASE WITH $5,575 MINIMUM DIVIDEND***

1) Trustee OBJ:
- Need statement for 2 TSP loans (RECEIVED.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $350 x 60, $5,575 Min Div
PTD 5/6 = $1,750
Last Claim (12-1)
Matter ResolvedRequest
Adjourment
1401/22/2025 10:00 am24-17599 / MEHJoseph Casello, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 6 required payments   Arrears: $2,000.00  
ISSUES AS OF 1/8/2025 (DM):

 ADJ to 1/22 - Atty to email creditor program that shows refi is feasible (dm)

1) Robert Kehoe (Michael Pifko, Esq) OBJs - 1st mtg on Crestview Terr property (UNRESOLVED.)

2) Trustee OBJ:
- Need amended Sch A/B and C to remove TD Bank and amended SOFA to add bank acct closed on Line #20 (UNRESOLVED.)

***RESOLVED ISSUES***

A) Trustee OBJ"
- Need homeowner's insurance renewal declaration - only provided binder that expires 10/6/24 (RECEIVED.)
- Need updated auto insurance if not confirmed by 10/16/24 (RECEIVED.)
- Need 2023 tax return (RECEIVED.)
- Need amended Attorney Disclosure or Plan for correct fee balance (ATTY DISCLOSURE AND PLAN AMENDED.)
- Excessive Expenses: real estate taxes $600 and homeowner insurance $200 - both are on the mortgage statement as paid by mortgage. Must provide proof that these expenses are being paid by Debtor 10 days prior to confirmation (100% PLAN.)
- Crescent Bank (2019 Nissan Rogue) filed $986.48 arrears claim (MP PAYS.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $1,000 x 4, $1,711 x 56, 100% Plan
- refi by 10/31/25
PTD 4/6 = $5,422
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-17728 / MEHRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 6 of 5 required payments   Arrears: $0  

ISSUES AS OF 1/13/2025 (DM):

***If Motion to Approve Loan Mod is granted, TRUSTEE CAN RECOMMEND CONFIRMATION AT $4,528 PTD, THEN $850 x 43 STARTING 2/1/25, 100% PLAN, TINTON FALLS BOROUGH POC (6-1) SHALL BE TREATED AS FILED, SELECT PORTFOLIO POC (22-1) SHALL BE TREATED AS SECURED UNAFFECTED, STUDENT LOANS POC (4-1) AND POC (24-1) SHALL BE TREATED OUTSIDE THE PLAN***

 Motion to Approve Loan Mod filed with 1/13/25 objection deadline.

1) Tinton Falls Borough filed a priority claim not a secured claim as referenced in the plan (PAY PER POC??)

2) Select Portfolio filed a 2nd mtg claim not treated in the plan (TREAT AS SECURED UNAFFECTED??)

3) Trustee OBJ:
- Income verifies higher ($13,163.20) than scheduled ($10,855.55) resulting in $6,117 disposable income - need to increase plan payments to pay disposable income into plan.


Prop. Plan $1,095 x 2, $814 x 58, 100% Plan
- student loans outside the plan.
PTD 4.5/5 = $4,528
Last Claim (24-1)
Matter ResolvedRequest
Adjourment
1671/22/2025 10:00 am24-17792 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 5 required payments   Arrears: $1,000.00  
ISSUES AS OF 1/10/2025 (DM):

***Debtor needs to address plan feasibility based upon the large secured claims filed by the IRS & NJ***

 MFR by Rushmore (Charles Wohlrab) pending.

1) IRS filed $451,101.10 secured claim and $3,207.47 priority claim not treated in the plan (UNRESOLVED.)

2) State of NJ filed $49,454.43 secured claim and $1,383.46 priority claim not treated in the plan (UNRESOLVED.)

3) Rushmore (Charles Wohlrab, Esq) OBJs to plan not feasible to pay mortgage arrears at $500 x 60 months and Loan Mod (UNRESOLVED.)

4) Plan provides $1,083.27 priority treatment to Ding Sun - no POC filed (STRIKE??)

5) Trustee OBJ:
- Need 2023 tax return (RECEIVED.)

Note: Updated homeowner insurance provided. There is no equity on residence, due to IRS and State of NJ secured claims filed. Auto insurance was provided.


Prop. Plan $500 x 60, Base
- Loan Mod on Nixon Ave by 3/1/25
PTD 3/5 = $1,500
Last Claim (10-2)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-17797 / MEHStephanie Shreter, Esq.Confirmation Hearing on Modified PlanMootDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $5,270.00
MODIFIED PLAN WAS ALREADY CONFIRMED ON 12/10/2024.
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-17953 / SLMJonathan Stone, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)3rd Party Matter
MK: case was dismissed on 10/23/24 for:

1. NO 341 HELD DUE TO MISSING DOCUMENTS
2. PAYMENTS: 0/5 ARREARS: $10,000

TR OBJECTION:
Case will be 5 mos old in January. Must have proof of all 5 TR payments for total of 10,000( 2,000 x 5 mos) and all 341 dox need to be provided/uploaded to 13 docs 7 days prior to hearing
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-17964 / MEHCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 5 required payments   Arrears: $1,000.00  
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-18181 / MEHJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0  

As of 11/14/24 (DS): 1. Trustee obj to the following:
- Must provide value statement of Cryptostock prior to filing date.
- Need a modified plan that marks off 1e jointly administering the case, plus specify treatment of solar panels and student loans to be treated outside and propose to pay Lakeview Loan arrears claim $1,270.68.
- Debtor has insufficient income, although expenses are excessive pending proof of expenses, disposable income verifies $487. Debtors will need to apply for e-Wage.
- Excessive expenses on Sched J: Solar $178 (No creditor listed on Schedules or Plan), Medical $340, Entertainment $405 and Student loans $23 (Not listed in plan as outside). plus Debtor has Repairs/Upkeep on P&L monthly $594.82, plus insurance for $15 (not sure what insurance) and Co-Debtor P&L has additional expenses for rent $105 (Mortgage payment is confirmed to be $2,139, which on Sched J) plus also has expense on P&L for insurance $15. Must provide proof of expenses 10 days prior to confirmation.
- Must file Pre-confirmation certification.

Prop Plan $884 x 60 begin 9/1/24; Dollar Base $7,417
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-18212 / MEHStephanie Shreter, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 5 required payments   Arrears: $0  

As of 1/13/25(mk):sent atty email as to issues


1. Objection filed by Lakeview Servicing (Cozzini) - failure to pay arrears of $1032.75 and provide for post petition payments (MUST RESOLVE) plan has unaffected- OK TO PAY?

2. Technology Credit Union filed secured UCC LIEN claim 17-1 in the amount of $13,876.53 for solar panels which is not addressed in plan ( PER ATTY CREDITOR IS UNAFFECTED WITH ZERO ARREARS) - Creditor is not listed in Part 6 of plan- NOR Is THE LEASE PAYMENT ON SCH J . WHAT IS THE DEBTRO'S INTENTION AS TO THIS LEASE- IF IT IS TO BE ASSUMED IN IT SHOULD HAVE BEEN IN THE PLAN

3. STUDENT LOAN PAYMENT IS ON SCH j BUT PLAN DOES NOT SEPARATLY CLASSIFY THEM TO BE PAID OUTSIDE. CAN'T HAVE BOTH WAYS. There are 4 student loan claims in the case


Plan proposes $600 x 60 Base
Payments: 3/4 Arrears: $600


--------------RESOLVED----------------------------
Objection filed by Navy FCU (Lubin) - failure to treat creditor in plan (RESOLVED VIA ORDER).

. Ally Capital filed secured claim 18-1 with zero arrears. This creditor was not addressed in the plan (MUST RESOLVE)- ADD LANGUAGE TO TREAT AS CURRENT AND OUTSIDE PLAN

Debtor attorney filed claim 40-1 on behalf of IRS
AR GOV BAR 2-18-25 !! (AR SENT EMAIL TO ATTY TO CONTACT IRS TO FILE A CLAIM) IRS DID FILE THEIR OWN CLAIM

Plan:$600 X 60; BASE
5/5 payments
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-18257 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 5 required payments   Arrears: $2,500.00  
AS of 1/13/25(mk):

**CAN REC CONFIRM AT $10,000 PTD THEN $2,500 X 31 BEGIN 2/1/25 100%**


Plan:$2,500 x 36 begin 9/1/824; 100%
4/5 payments

------------Resolved-------------
PLAN IS 100%

Proof of 2 month's income - for Debtor Michael, only received 1 for August and 1 for
September.
2 months bank statements fro Navy FCU for checking acct prior to filing date.
Amendments to Schedules A/B and C to add amounts in USAA checking acct $865,
Navy FCU savings $5, plus what is in the Navy FCU checking acct.
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):
Disposable income verifies higher, using the only 2 pay stubs for Debtor that were
provided and calculating it twice a month.
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-18321 / MEHDavid G. Beslow, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 5 required payments   Arrears: $1,350.00  
AS OF 1/14/2025 (at):

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

2. Trustee's objection:
- The debtor has insufficient income.

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $60,445.97 in non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION)
- The IRS filed an estimated claim which needs to be amended. (NO LONGER ESTIMATED)
- Need to file Pre-Confirmation Certification. (FILED)

Modified plan before confirmation proposes: $2,250 paid to date, $1,350 x 57 beginning 12/1/2024, 100% plan
Payments: 4/5, arrears $1,350
Matter ResolvedRequest
Adjourment
1791/22/2025 10:00 am24-18336 / MEHJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 5 required payments   Arrears: $1,004.00  
ISSUES AS OF 1/10/2025 (DM):

***TRUSTEE RECOMMENDS CONFIRMATION AT $1,506 PTD, THEN $502 x 1 STARTING 1/1/25, THEN $512 x 55 STARTING 2/1/25, BASE PLAN WITH $11,518 MINIMUM DIVIDEND TO GUCs BASED UPON EQUITY THRESHOLD, STUDENT LOANS TREATED OUTSIDE THE PLAN***

1) Trustee OBJ:
- There is $9,438 non-exempt equity in the residence. Recommend waiting past Bar Date to allow mortgage claim to be filed to determine the non-exempt equity (ADJUSTED TO $11,518 BASED UPON FILED CLAIMS.)


Prop. Plan $502 x 60, Base
PTD 3/5 = $1,506
Last Claim (10-1)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-18428 / MEHVera Fedoroff, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0  

As of 11/15/24 (DS): Debtor atty requested adj to allow time to file motion against claim

As of 11/13/24 (DS): 1. Secured judgment claim filed by The LCF Group for $6,210.59 needs to be paid or move against the claim.

2. BELOW ISSUES REMAIN UNRESOLVED.

Plan Doc #2 is Withdrawn - Docket has Plan Doc #17 properly scheduled for 11/19 (dm)

10/23/24 (DS): 1. Trustee obj to the following:
- Must amend Sched A/B and C to add correct amount in Bank of America savings acct $1,432 or there will be non-exempt equity.
- Must resolve Amerisave Mortgage obj. Mod plan failed to add arrears. PER EMAIL FROM DEBTOR ATTY OK TO PAY ARREARS. ASKED ATTY TO PROVIDE TERMS OF CONSENT ORDER ASAP

2. Amerisave Mtg (STUART WEST) obj arrears owed $4,610.44, POC filed with arrears $5,694.89. Obj must be resolved between both parties, need consent order with terms or email from both parties. PER EMAIL FROM DEBTOR ATTY COTBS TO PAY ARREARS $4,610.44, BUT CLAIM FILED WITH ARREARS HIGHER.

Prop Plan $287 x 36 begin 9/1/24; Base
Note: Mod plan marks off 1e jointly administered.
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-18559 / MEHJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 5 of 5 required payments   Arrears: $0  

ISSUES AS OF 1/10/2025 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $3,565 PTD, THEN $882 x 55 STARTING 2/1/25, BASE PLAN WITH $46,847 MINIMUM DIVIDEND TO GENERAL UNSECURED CREDITORS, TRUSTEE STANDARD ORDER OF DISTRIBUTION***

1) Trustee OBJ:
- Need to provide current CMA with comps sold within 6 months from filing. Zillow values property at $415,800 - there would be $45,562 non-exempt equity (UPDATED CMA RECEIVED
- NON-EXEMPT EQUITY ADJUSTED TO $33,773.)

- There is $45,562 non-exempt equity in the residence, $6,919 in the 2016 Jeep Cherokee, and $6,155 in the First Hope Bank acct - total $58,636 (ADJUSTED TO $46,847 BASED UPDATED CMA REFERENCED ABOVE.)

- Need amended Sch I & J and provide proof of income from new job at The Healthy Handyman (PROOF OF INCOME PROVIDED VERIFIES THAT DEBTOR'S MONTHLY NET INCOME IS $2,534. NOT SURE IF DEBTOR IS EMPLOYED WITH 2 JOBS - NO AMENDED SCHED I FILED.)

- Excessive Expenses on Sch J: $300 home maintenance, $475 medical & dental, and $1,500 wife's line of credit. Must provide proof of expenses 10 days prior to confirmation (RECEIVED STATEMENT FOR WIFE'S LINE OF CREDIT.)

- Form 122c has disposable income $8,840, which would require $530,400 Min Div to GUCs.
- Add to confirming order Trustee standard order of distribution.
Note: Expense for Cable/internet/cell is fine.


Prop. Plan $713 x 60, $38,893 Min Div
PTD 5/5 = $3,565
Last Claim (12-1)
Matter ResolvedRequest
Adjourment
1871/22/2025 10:00 am24-18573 / MEHMarc C. Capone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $1,100.00  
ISSUES AS OF 1/10/2025 (DM):

***Recommend adjourning confirmation past the Gov Bar Date. Atty also needs to review disposable income objection***

1) Plan provides $7,516.61 priority treatment to the State of NJ, Dept. of Labor - no POC filed (WAIT FOR GOV BAR DATE OR STRIKE??)

2) Plan provides $8,491 and an additional $39,851.18 priority treatment to the IRS - only one claim for $9,358.04 was filed (WAIT FOR GOV BAR DATE OR STRIKE??)

3) Trustee OBJ:
- Income verifies higher for the Debtor ($5,368) than scheduled ($2,277) resulting in $4,242 monthly disposable income.
- There is non-exempt equity in the business of $8,979.
- Must file fee app within 7 days from confirming order.
- Must file Pre-confirmation certification.


Prop. Plan $1,100 x 60, Base Plan
PTD 4/5 = $4,400
Last Claim (5-1)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-18576 / MEHOtto J. Kostbar, Esq.Confirmation Hearing ScheduledContinued
2/11/2025 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $400.00  
Debtor has a change in circumstances
Atty has trial on 1/22/25
Matter ResolvedRequest
Adjourment
1891/22/2025 10:00 am24-18624 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 5 required payments   Arrears: $250.00  
ISSUES AS OF 1/12/2025 (DM):

1) IRS filed $11,793.40 priority claim that includes estimated taxes for 2023 not treated in the plan (UNRESOLVED.)

2) IRS filed $51,385.54 secured claim not treated in the plan (UNRESOLVED.)

3) State of NJ filed $1,564.22 priority claim that includes estimated taxes for 2023 (UNRESOLVED.)

4) State of NJ filed $704.64 secured claim not treated in the plan (OKAY TO PAY??)

5) State of NJ filed a general unsecured claim that includes estimated taxes for 2019 (UNRESOLVED.)

6) New Rez d/b/a Shellpoint Mortgage (RASC) OBJs - $5,219.81 arrears on Monticello Drive property not treated in the plan (UNRESOLVED.)

7) US Dept of HUD filed a second mortgage on Monticello Drive property not treated in the plan (TREAT AS SECURED UNAFFECTED??)

8) Capital One filed $1,708.92 arrears claim on 2018 Dodge RAM (OKAY TO PAY??)

9) Ally Capital filed $1,475.37 arrears on 2015 Jeep Grand Cherokee (OKAY TO PAY??)

10) Trustee OBJ:
- Need 2023 tax return (UNRESOLVED.)
- Need 2-months bank statements for Bank of America checking & savings (RECEIVED.)
- There may be non-exempt equity in BOA accts pending bank statements.


Prop. Plan $500 x 24, $2,500 x 36, $95,000 Min Div
PTD 4.5/5 = $2,250
Last Claim (27-1)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-18645 / MEHScott J. Goldstein, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 5 required payments   Arrears: $0  

AS OF 12/26/2024 (at):

RECOMMEND: $7,020 PAID TO DATE, $2,154 x 56 BEGINNING 1/1/2025, 100% PLAN
- Debtors' attorney must file a fee application within 7 days of the entry of the order confirming the plan.


1. Debtors' attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)

2. The NJ Division of Taxation filed an estimated claim which needs to be amended. (NO LONGER ESTIMATED)

3. Objection filed by SN Servicing (Friedman Vartolo) - failure to cure full arrears of $16,574.92 (Per POC) (OTBS)

4. Trustee's objection:
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s):
- Income verifies higher than scheduled, disposable net income $7,404.96

Plan proposes: $1,775 x 60 beginning 9/1/2024, 100% to unsecured creditors
Payments: 4/4
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-18733 / MEHRoger J. Yehl, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $537.00  
1/14 workup for the 1/22 calendar EDC

$1611 paid then 713 x 56 beg 2/1/2025---advantage Student Loan Debt to be paid outside of the plan--trustee to pay the IRS priority claim through the plan--100% to unsecured creditors due to equity of $107,057

As of 11/15/24 (DS): Debtor atty requested adj to allow time to provide HUD-1 and file amended schedule to add creditor PER DM WORK UP CASE WITH DEBTOR'S CERT RE. HUD-1, WHICH DEBTOR MAY HAVE LOST TO BE PROVIDED WITHIN 30 DAYS

As of 11/13/24 (DS): If HUD-1 provided for additional property, recommend confirming at $537 paid, $537 x 59 begin 12/1/24; 100% with a min. div. $107,057 to gucs due to non-exempt equity
and add to confirming order Trustee ok to pay IRS claim#1-1 $6,114.68.

1. Trustee obj to the following:
- Plan needs to be 100% to unsecured creditors, due to non-exempt equity in the residence $107,057.
- IRS claim filed $6,114.68, not in plan. TRUSTEE OK TO PAY?
- Must provide HUD-1 from additional property sold, only provided 1 for Greenbriar Blvd. dated 12/30/20 Debtor received $80,205 from sale. There were 2 properties.

Prop Plan $537 x 60 begin 10/1/24; 0%
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-18949 / MEHAniello D. Cerreto, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19074 / MEHGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

ISSUES AS OF 1/13/2025 (DM):

1) Discover Bank (KML) OBJs - $29,370.65 arrears for the 1st mtg on Bristlecone Dr property (UNRESOLVED.)

2) Lakeview Loan Svc/Flagstar (McCalla Raymer) OBJs - $3,159.71 arrears for the 2nd mtg on Bristlecone Dr property (UNRESOLVED.)

3) IRS filed $2,009.47 priority claim not treated in the plan (OKAAY TO ADD??)

4) Capital One filed $40 arrears claim on 2017 Jeep Grand Cherokee (OKAY TO PAY??)

5) Ally Capital filed $772.71 arrears claim on 2020 Nissan Armada (OKAY TO PAY??)

6) Trustee OBJ:
- Need a MP that selects 1e for joint administration (UNRESOLVED.)
- Need updated auto insurance - expired 8/27/24 (UNRESOLVED.)
- Need life insurance policy values for 2 policies (RECEIVED.)
- Excessive Expense: $300 water/sewer/garbage, $615.93 life insurance, $600 auto insurance, $30 motorcycle insurance, $890 car payment, $434.17 motorcycle, $159.50 pet insurance, $85 Affirm and $62 SXM Radio (100% PLAN.)
- Form 122c has disposable income of $2,350.83, which would require $141,050 minimum dividend to unsecured creditors (100% PLAN.)
- Disposable income verifies higher than scheduled - there is $6,467 disposable income.
- Tax refund of $7,960 was not prorated and included in disposable income calculation.
- There is $164,647 non-exempt equity in the residence and $2,578 equity in 2017 Jeep and bank accts pending bank statements (100% PLAN.)


Prop. Plan $1,818 x 60, 100% Plan
PTD 4/4 = $7,272
Last Claim (22-2)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19197 / MEHErik M. Helbing, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 4 required payments   Arrears: $3,320.00  
ISSUES AS OF 1/9/2025 (DM):

1) IRS filed $3,184.05 amended priority claim not treated in the plan (OKAY TO PAY??)

2) State of NJ filed $2,213.17 priority claim that includes estimated taxes for 2022 & 2023 (UNRESOLVED.)

3) State of NJ filed a general unsecured claim that includes estimated taxes for 2019 (UNRESOLVED.)

4) M&T Bank (KML) OBJs - $45,253.52 arrears on Upper Ferry Rd property (UNRESOLVED.)

5) Huntington National Bank filed $340.22 arrears claim for the 2020 Subaru Crosstrek (OKAY TO PAY??)

6) Trustee OBJ:
- There is $146,695 non-exempt equity in Upper Ferry Rd property, $36,834 non-exempt in Second St property, and $847 non-exempt in TD Bank acct#1054 $847 (100% PLAN.)
- Need amended SOFA to add Wells Fargo Bank acct#9523 closed 9/6/24 per statement provided. Account is no longer active (UNRESOLVED.)
- Need to file Pre-Confirmation Certification (UNRESOLVED.)


Prop. Plan $1,960 x 60, 100% Plan
PTD 2.5/5 = $4,520
Last Claim (30-1)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19243 / MEHJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 4 required payments   Arrears: $281.00  
AS OF 1/14/2025 (mk): Updated email to atty

**CAN REC CONFIRM AT $2,147 PTD Then $753 x 32 Begin 2/1/25 100%. Preserve non exempt equity of $113,022 in real estate. Preserve non exempt equity of $1,698 in personal property. Trustee is authorized to pay arrears claim #3-1 of ARVEST BANK in the amount of $4,401.55 through the plan. Debtors' attorney must file a fee application within 7 days of the entry of the order confirming the plan.
IRS will not be paid unless a timely proof of claim is filed.
Must file pre conf. Cert. w/in 7 days of confirming order.
Plan is shortened to total of 36 mos***




1. Objection filed by Arvest Bank (Stern & Eisenberg) - failure to cure arrears of $4,401.55 (Per POC). OK TO PAY? YPER ATTY PAY

2. Trustee's objection:
- Must file Pre-confirmation certification. (NOT FILED)

Plan proposes: $607 x 60 beginning 10/1/2024, 100% plan
Payments: 3/4, arrears $281


-----RESOLVED ISSUES---
AS LONG AS PLAN REMAINS 100% THE OBJECTIONS ARE RESOLVED
- excessive expense s:maintenance $300, Tele/cell/cable/internet $625, Personal Care $500, Entertainment $650,
Son's sports $100 and art class $25 and daughter's comp cheer $350. Plan pays 100% so
expenses are allowed as long as case remains 100%.
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s):
- 22c shows disposable income $5,831.49, which would require min. div. $349,829 to gucs.
- Proof of income also verifies high. Plan pays 100%
The debtor has failed to supply the Trustee with the following document (s):
- 2 months bank statements from Wells Fargo checking acct prior to filing date. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exem
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19299 / MEHAndre L. Kydala, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 5 of 4 required payments   Arrears: $0  

ORDER GRANTING MOTION TO VACATE DISMISSAL ENTERED 1/3/2025.

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

AS OF 1/14/2025 (at):

1. 341 is scheduled for 1/30/2025
2. Payments: 5/4, $100 credit
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19302 / MEHAndre L. Kydala, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 4 of 4 required payments   Arrears: $0  

issues as of 1/9/2025 (JMA)

1) 341 scheduled for 12/5/2024, not held, not rescheduled - missing documents

proposed plan $480x60 base plan
paid in $1,440
arrears $480
last claim 2-1
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19305 / MEHEugene D. RothConfirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $0  

As of 12/4/24 (DS): Debtor atty requested adj, 341 sched 12/19/24
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19363 / MEHWarren Brumel, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 4 required payments   Arrears: $0  

AS of 1/13/25(mk):


**CAN REC CONFIRM AT $550 x 60 Begin 1-/1/24 Base**


1. Trustee Objection:
- insufficient income- it's negative.- DEBTOR IS CURRENT AS OF NOW

Plan:$550 X 60; BASE
4/4 payments
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19490 / MEHRobert H. Johnson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 442 of 4 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19571 / MEHAndre L. Kydala, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 3 of 4 required payments   Arrears: $2,500.00  
AS OF 1/14/2025 (at):

1. 341 has not been held or rescheduled.
2. Payments: 3/4, arrears $2,500
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19613 / MEHMaryBeth Schroeder, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $772.00  
As of 1/13/25(mk):email to atty-OK to terms

**CAN REC CONFIRM AT $2,316 PTD Then $916 x 56 Begin 2/1/25 Base w/ min to GUCS of $7,698.00 Due to Equity in Personal Property**



1. Trustee objection:
unnecessary or excessive expense items: $522/month car payment- car is being paid in plan.
-There is $7,698 in non exempt equity in the bank accounts.


Plan: $772 X 60; BASE
3/4 payments
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19658 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 1/9/2025 (at):

RECOMMEND: $1,300 x 60 BEGINNING 10/1/2024, BASE
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
- Student loans will be paid outside of the plan.
- Need to file Pre-Confirmation Certification within 7 days of confirmation.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- need to provide Trustee with car insurance renewal before confirmation hearing 1/22/2025 (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):
- Income verified higher than the amount on Schedule I, disposable net income is $1,656.
- Disposable net income on Form 122c-2 Line 45 $1,093.44 which would require minimum
$65,606.40 to GUCs
- Need to file Pre-Confirmation Certification with Court (NOT FILED)

Plan proposes: $1,300 x 60 beginning 10/1/2024, base
Payments: 3/4, arrears $1,300
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19685 / MEHJonathan Goldsmith Cohen Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $3,057.00  
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19712 / MEHEric J. Clayman, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 3 required payments   Arrears: $420.00  
AS OF 1/14/2025 (at):

1. Objection filed by Sureway Property Management (Greenblatt Lieberman) - plan does not propose a prompt cure of rent arrears. (UNRESOLVED)

2. Trustee's objection:
- Need September and October bank statements for Trumark and Wells Fargo
bank accounts. (NOT RECEIVED)
- Trumark Financial filed a bifurcated claim which needs to be resolved. (NEED
TO KNOW HOW TO TREAT THIS CLAIM)
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need to provide the names of the personal injury attorneys (NAMES NOT
RECEIVED)

-----RESOLVED ISSUES---
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,751.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan fails to provide for a prompt cure of rental arrears. (OBJECTION FILED BY LANDLORD)
- Need to resolve objection by Sureway Property Management. (UNRESOLVED - LISTED ABOVE)

Plan proposes: $420 x 36 beginning 11/1/2024, 0% to unsecured creditors
Payments: 2/3, arrears $420
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19718 / MEHJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 3 required payments   Arrears: $400.00  
ISSUES AS OF 1/9/2025 (DM):

1) Trustee OBJ:
- Debtor has insufficient income.
- Need updated car insurance (UNRESOLVED.)
- Need a MP to propose 100% or Base - not both (UNRESOLVED.)
- There is $78,713 non-exempt equity in real estate.
- There is $31,000 non-exempt equity in the inheritance.
- Need Certification regarding sale of the Virginia property (UNRESOLVED.)
- Need to file Pre-Confirmation Certification (UNRESOLVED.)

***RESOLVED ISSUES***

A) Wilmington Trust (BROCK) OBJs - $106,297.79 arrears on Halfway House Rd property (CONSENT ORDER ENTERED - REFI BY 5/6/25.)

B) Trustee OBJ:
- Need amended Sch C to list exemptions for all property (FILED.)
- Need proof of income for new job at Sherwin Williams (RECEIVED.)


Prop. Plan $200 x 36, 100% Plan
- refi Halfway House Rd by 10/1/26
PTD 1/3 = $300
Last Claim (18-1)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19721 / MEHMark Kriegel, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $8,900.00  
As of 1/13/25(mk):


1. IRS ESTIMATED CLAIM - no returns for 2020,2021 and 2023 and unsecured potion of claim is for 227,376.78

2. Motion to Extend Stay was DENIED by Order entered 11/20/24(#18)

3. One Main on auto loan is in plan as unaffected . They filed a claim for arrears of $7,568>29- OK TO PAY?

4. Trustee Objection:
- As of now there is $33,315 in equity in property- TAX Claim may impact that once resolved
-Verified income leaves monthly disposable income of
$15,888.
-Must file pre conf cert

Plan: $6000 X 60; 100%
2/3 payments
----------------RESOLVED-----------------
- Trustee std order of distribution.
Expenses will be allowed as long as case is 100%
r excessive expense items, such as:
$300/month for home maintenance
$450/month for clothing
$300/month for entertainment
$5,000/month for taxes (need proof this is being paid)
Need proof of excessive expenses 10 days prior to confirmation


Matter ResolvedRequest
Adjourment
1781/22/2025 10:00 am24-19738 / MEHCarol L. Knowlton, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 3 required payments   Arrears: $1,800.00  
issues as of 1/13/2025 (JMA)

1) Nationstar Mortgage LLC (McCalla Raymer) objection to confirmation - need to resolve
-arrears claim filed with pre-petition arrears in the amount of $50,381.09
2) Trustee objection to confirmation - need to resolve
- A current market analysis - with 6 months of recent comps with properties recently sold. Only 1 comp sold $390,000 5/24/24.
- A copy of the last filed tax return - for 2023 for spouse.
- 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): Disposable income may verify higher, pending updated proof of income from Debtor.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $6,356 when determining disposable income.
- Must resolve creditor objection.
- Must file Pre-confirmation certification.
- Must file fee application w/in 7 days form confirmation.
- US Dept of HUD claim will be treated as unaffected and outside plan.

proposed plan $900x60 base plan
paid in $900
arrears $1,800
last claim 4-1
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19748 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 1/14/2025 (at):

RECOMMEND: $4,434 PAID TO DATE, $1,803 x 57 BEGINNING 2/1/2025, 100% PLAN
- Preserve non exempt equity of $58,992 in real estate.
- Preserve non exempt equity of $2,711 in personal property.

1. Objection filed by PNC Bank (Logs) - failure to cure arrears of $934.82 (Per POC) (RESOLVED - PAY PER POC)

2. Trustee's objection:
-PNC Bank acct #8773 $3,211.55 - need to amend Schedules A/B and C or there will be non-exempt equity in the amount of $2,711.
- Bank of America acct #2347 $430.91 (joint account) - not listed on Schedule A/B.

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $58,992 non-exempt equity in home (LANGUAGE ADDED)
-There is $2,711 non-exempt equity in PNC Bank acct #8773 (LANGUAGE ADDED)

Plan proposes: $1,478 x 60 beginning 11/1/2024, 100% plan
Payments: 3/3
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19803 / MEHWarren Brumel, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0  

issues as of 1/13/2025 (JMA)

TO RESOLVE TRUSTEE OBJECTION, OK TO CONFIRM AT $675X60 BEGIN 11/1/2024 BASE PLAN

1) Trustee objection to confirmation - need to resolve
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $250/month for home maintenance; $600/month for education costs, Need proof of excessive expenses 10 days prior to confirmation. RESPONSE TO TRUSTEE OBJECTION, THE $600 EXPENSE FOR CHILDCARE COVERS AFTER SCHOOL AND SUMMER CARE - BOTH PARENTS WORK
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): Verified income leaves monthly disposable income of $1,579.70. RECALCULATION OF INCOME SHOWS DISPOSABLE INCOME OF $588.44.
- 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 $36,125 in non exempt equity in the residence.
2) Debtor attorney response to Trustee objection - need to resolve
- Debtor paystubs include a one time $10,000 signing bonus. CoDebtor paystubs includes a one time $7,000 payment as a result from union contract settlement. Debtor's attorney states income should be recalculated without these two one time payments. INCOME RECALCULATED SHOWS DISPOSABLE NET IN THE AMOUNT OF $ 588.44.

proposed plan $675x60 base plan
paid in $2,025
last claim 19-1
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19807 / MEHErik M. Helbing, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 3 required payments   Arrears: $3,936.00  
As of 1/10/25 (DS): 341 not held 12/12/24
Debtors atty filed motion to have case dismissed, sched 1/22/25. Co-debtor has passed away, also no Trustee payments, arrears $3,936, made 0 out of 3.
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-19993 / MEHAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 1/14/2025 (at):

RECOMMEND: $50 x 36 BEGINNING 11/1/2024, SALE OF RESIDENCE BY 4/9/2025, 100% PLAN
- Preserve non exempt equity of $66,186.00 in real estate.
- Low base pending sale of residence.
- Debtor's attorney must file a proof of claim on behalf of Urvashi Patel and a motion to allow late claim within 30 days of confirmation.

1. Wells Fargo Bank filed a secured arrears claim #2 in the amount of $513.81 for the 2020 Nissan which is not in the plan. Is the debtor going to pay this claim? (PER ATTORNEY, PAY PER POC)

RESOLVED ISSUES:
Trustee's objection:
The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the amount of $66,186.89 in debtors home (OK 100% PLAN
PROPOSED)
- balance in the Bank of America acct #5226 as of 10/9/2024 $746.15, Schedules A/B only
$20. Need to Amend Schedules A/B and C or there will be non -exempt equity. (NOT NECESSARY - ENOUGH NON EXEMPT EQUITY IN RESIDENCE)
- Need to file Pre-Confirmation Certification with Court. (FILED)

Plan proposes: $50 x 36 beginning 11/1/2024, sale of residence within 6 months of filing, 100% plan
Payments: 3/3
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20301 / MEHErik M. Helbing, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $1,355.00  
issues as of 12/5/2024 (JMA)

1) Rocket Mortgage (Brock & Scott) objection to confirmation - need to resolve
-claim for pre-petition arrears in the amount of $3,080.86 to be filed
2) Trustee objection to confirmation - need to resolve
- Need to provide September and October bank statements for Chase accts 5060, 3979, 7456 and 6372.
- debtors plan consists of unnecessary and excessive expenses - 4570/month for cable/internet/phone; $880 for childcare. Need to provide proof of expenses 10 days prior to confirmation
- Verified income leaves excessive disposable income in the amount of $4,009.98
- There is non-excessive equity: - There is $577 in non exempt equity in the Chase account and $46,513 in non exempt equity in the residence.
- Need a statement for the Acorn account.
- Need to resolve objection by Rocket Mortgage.
- Need to file Pre-Confirmation Certification.

proposed plan $1,355x60 minimum $67,045.36 to gucs
paid in $2,710
arrears $1,355
last claim 29-1
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20320 / MEHRobert C. Nisenson, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 3 of 3 required payments   Arrears: $0  

issues as of 1/9/2025 (JMA)

1) 341 not held, not rescheduled - missing documents

proposed plan $501x60 100% plan
paid in $1,503
last claim 3-1
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20361 / MEHRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20449 / MEHKevin C. Fayette, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 3 required payments   Arrears: $0  

As of 1/12/25(mk):



1. Trustee Objection:
- Modified Plan that proposes a tier plan when car payment
$258 ends in month 10 and car payment $400 ends in month
12.
- Need copy of the HUD-1 from the sale of the Liberty Street property and Certification from the debtor


Plan:$250 x 36 begin 11/1/24; Base
3/3 payments
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20452 / MEHBrian F. O'Malley, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 2 of 3 required payments   Arrears: $770.00  
341 on 1/16/25 but dox just uploaded 1/13/24 so meeting will have to be adjourned.-
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20486 / MEHVera Fedoroff, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0  

issues as of 1/13/2025 (JMA)

1) Trustee objection to confirmaion - need to resolve
- A current market analysis - with comparatives sold within 6 months of filing.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $740/month for food; $330/month for medical and dental; $477/month for life insurance, Need proof of excessive expense 10 days prior to confirmation.
- 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): Using the zillow value, there is $35,228 in non exempt equity in the residence.
2) Debtor's plan proposes to pay separately classified unsecured claims for one for Capital One and three for Midland Funding. Amounts are not the same.

proposed plan $346x48 base plan
paid in $1038
last claim 49-1

RESOLVED ISSUES:

- Need to file Pre-Confirmation Certification - RESOLVED, FILED
- The debtor has failed to provide proof of service with respect to Plan Motion (s) - Need proof of service on Affinity FCU - RESOLVED, FILED
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20504 / MEHAndrew M. Carroll, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 3 required payments   Arrears: $1,950.00  
AS OF 1/14/2025 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. Objection filed by New Rez/Shellpoint (Stewart Legal) - failure to cure arrears of $947.09 (Per POC). Plan lists creditor as unaffected. (UNRESOLVED)

2. Ally Bank filed a secured arrears claim #6 in the amount of $246.88 for the 2016 Civic which is not in the plan. Is the debtor going to pay this claim?

3. Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $3,228.03.
- Per the 22C, monthly disposable income is $5,087 which requires a minimum dividend of
$305,220 to general unsecured creditors.
- The attorney's fees in the plan ($2,250) and the disclosure statement ($3,063) do not agree. One of these must be amended. (NEITHER AMENDED)
- Need a certification as to value of property- more information on value. Zillow values property at $100,000 more than CMA. (CERTIFICATION NOT RECEIVED)
- Need a statement for the 401k loan. (NOT RECEIVED)
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,470.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION)

Plan proposes: $650 x 60 beginning 11/1/2024, base
Payments: 0/3, arrears $1,950
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20562 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $526.00  
Note: Motion to Sever is scheduled for 2/11/25 - debtor are not legally married (dm)

AS OF 1/13/2025 (at):

1. 341 has not been held or rescheduled.
2. Payments: 2/3, arrears $526
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20567 / MEHKevin C. Fayette, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $700.00  
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20583 / MEHJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 3 required payments   Arrears: $663.00  
341 is 1/16/25
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20598 / MEHYakov Rudikh, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 3 required payments   Arrears: $0  

AS of 1/13/215(mk): email to atty

** NEEDS TO CONFIRM AT $1,404 PTD Then $491 x 57 Begin 2/1/25. 100%. Preserve equity T/H of $141,148
Student loans outside plan. Trustee is authorized to pay arrears claim #3-1 of CITIZENS BANK, NA in the amount of $157.44 through the plan. Claim # 1-1 of U.S. DEPARTMENT OF HUD shall be treated as unaffected and outside the plan**



1. Trustee Obj:
- must file pre conf cert.
- small mtg arrears claim $157.44- TR will pay it
- NE equity 141,148
- will add lang to terms that US DEPT HUD id unaffected and outside


Plan:$468 X 60; 100% std loans outside
3/3 payments
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20644 / MEHScott J. Goldstein, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $100.00  
issues as of 1/10/2025 (JMA)

1) Wells Fargo Bank (Brock & Scott) objection to confirmation - need to resolve
- must pay no less than $67,378.71 - PLAN PROPOSES TO PAY IN FULL AMOUNT OF $156,934.96
2) JPMorgan Chase (Powers Kirn) objection to confirmation - need to resolve
- debtors plan is speculative in naturen and silent as to what efforts are being undertake to sell the property
3) Trustee objection to confirmation - need to resolve
- Need to provide statements for the Merrill acct #4N88, listed on Schedule A/B.
-Wells Fargo Bank (Brock & Scott) objection to confirmation - pre-petition arrears $67,378.71.
-JPMorgan Chase Bank (Powers Kirn) objection to confirmation - pre-petition arrears $24,100.
-Debtors attorney needs to file fee application within 7 days of confirmation
4) IRS priority claim is estimated for 2022 and 2023 taxes - need to resolve

proposed plan $100x60 100% plan with sale of house by 3/31/2025
paid in $100
arrears $200
last claim 8-1
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20657 / MEHDavid G. Beslow, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 3 required payments   Arrears: $6,000.00  
AS OF 1/14/2025 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. 341 is scheduled for 1/23/20025.
2. Payments: 0/3, arrears $6,000
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20680 / MEHRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20699 / MEHNicholas Fitzgerald, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 3 required payments   Arrears: $2,047.00  
AS of 1/12/25(mk);

needs to pay claim in #1 below then

**CAN REC CONFIRM AT $2,047 x 60 BEGIN 11/1/24 BASE W/ MINIMUM OF $84,814 DUE TO EQUITY IN REAL AND PERSONAL PROPERTY. Trustee is authorized to pay Arrears claim #11-1 LAKEVIEW LOAN SERVICING, LLC in the amount of $2,961.01 through the plan**


1. Plan has Lakeview as unaffected. Filed Claim for arrears $2,961.01- OK TO PAY?

Plan:$2047 X 60; BASE
2/3 payments

---------------RESOLVED-----------------
. Trustee Objection:
- Need updated CMA with comparable sales in the last 6 mos.
- Need Business profit & loss statements
- Need Business forms - for Hoka Line business.
-Need a statement for the Charles Schwab account.
- unnecessary or excessive expense : $1,718/month car
payment (this is listed on both P&Ls)
-As of now: At value of 525,000, There is $76,441 in non exempt equity in the residence. There is $8372 in non exempt equity in personal property.
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20724 / MEHScott E. Tanne, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 3 required payments   Arrears: $2,787.00  
AS of 1/13 25 (mk):

0/3 payments

1. St of NJ filed arrears claim $262.93- OK TO PAY?


2. Trustee Objection:
-atty fee hourly so need estimate as placeholder if there will be add'l fees

- needs Modified Plan and amended I & J - PER 341
testimony- debtor starting new job. circumstance changed
since filing.

-debtor has failed to file a feasible plan - that propose a tier
plan when car payment $275 ends in month 22.

- need Amendments to Schedules A/B and C to add 2014 Jeep Wrangler, listed on auto insurance with no add'l drivers.

- debtor has insufficient income pending additional income
verification, disposable income verifies $-254.

-claim are higer for mtg and condo claim than in plan- feasibility issue

- Must resolve the bifurcated claim of Capital One Auto,
secured $5,200, unsecured $448.40 and arrears $284.55.
TR needs to know treatment for this claim.

- Must file Pre-confirmation certification.

Plan:$929 x 60 begin 11/1/24; Base
0/3 Payments



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

- Must file fee app within 7 days from confirming order. ADD TO CONF TERMS
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20738 / MEHRobert Manchel, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0  

as of 1/10/2025 (JMA)


ok to confirm at $265x60 base plan
-need to file Pre-Confirmation Certification with Court within 10 days of confirmation hearing

1) Trustee objection to confirmation - need to resolve
-need to file Pre-Confirmation Certification with Court - not filed to date

proposed plan $265x60 base plan
paid in $530
arrears $265
last claim 23-1
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20801 / MEHJohn Michael McDonnell, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 3 required payments   Arrears: $2,088.00  
As of 1/10/25 (DS): 341 was not held 1/9/25, still missing docs POI for Debtor and spouse, Tax returns and CMA for rental property, also no Trustee payments made, Debtor in arrears $2,088, made 0 out of 3 payments.
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20905 / MEHJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 2 required payments   Arrears: $1,200.00  
AS OF 1/14/2025 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $1,200


** objection by Freedom Mortgage resolved - pay per poc**
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20908 / MEHKaren E. Bezner, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0  

As of 1/10/25 (DS): 341 sched 1/23/25. Still missing homeowner insurance and rental agreement. Will not be able to adjourn if docs not provided.
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20950 / MEHJacqueline R. Rocci, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

341 is 1/16/25
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20970 / MEHRobert C. Nisenson, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 2 required payments   Arrears: $600.00  
AS OF 1/14/2025 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $3,460
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-20978 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 2 required payments   Arrears: $0  

As of 1/13/25(mk):


1. Objection by Pennymac(Fein Such):
-plan fails to pay arrears of $23,100. plan had 13,873

2. Trustee Objection:
- debtor has insufficient income disposable income
verifies $ -493, Debtor is on TFS and current as of this date BUT HIGHER MTG CLAIM WILL RENDER PLAN NOT FEASIBLE AS PAYMENT WOULD NEED TO GO TO $520 P/M

Plan: $350 x 60 begin 12/1/24; Base
2/2 payments

--------------------
-Current Plan does not specify treatment of US Dept of
HUD under the Plan.ADD LANG TO TEMS UNAFFECTED AND OUTSIDE - NO ARREARS
- Add to confirming order Debtor to provide updated proof
of income and 2024 tax returns
for both Debtor and spouse, no later than 6/1/25
- need 2023 tax return for spouse (provided)
- need Statement for Acorn Securities and Acorn Investment
for 10/1/24 -10/31/24.
- Must provide 2 months bank statements from Chime Bank,
NBKC Bank/Acorn, Discover Bank savings acct and Capital
One savings/checking acct, prior to filing date.
ALL PROVIDED - NO EQUITY
- need Statement for Acorn Securities and Acorn Investment
for 10/1/24 -10/31/24. PROVIDED
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21004 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $300.00  
issues as of 1/10/2025 (JMA)

1) Select Portfolio Servicing Inc (Friedman Vartolo) objection to confirmation hearing - need to resolve
- approximate arrears $233,445.20
2) Womens' Physcians & Surgeons filed claim #1 for payment of judgment from 2011 - not treated in plan - need to resolve
3) Trustee objection to confirmation - need to resolve
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): income verified higher, disposable net income $4,741.12.
- 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): $1,500 non exempt equity in guns; $7,550 non-exempt equity in 2017 Infiinty; TOTAL NON-EXEMPT EQUITY $9050

proposed plan $300x60 base plan with loan mod by 5/31/2025
paid in $300
arrears $300
last claim 2-1

RESOLVED ISSUES:

- A copy of the last filed tax return - 2023 - RESOLVED, RETURN PROVIDED, NO REFUND
- A copy of the homeowner's insurance renewal declaration - RESOLVED, PROVIDED RENEWAL THROUGH 12/4/2025
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21012 / MEHAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 1/14/2025 (at):

RECOMMEND: $2,138 PAID TO DATE, $1,077 x 58 BEGINNING 2/1/2025, MINIMUM OF $40,892 TO UNSECURED CREDITORS, LOAN MODIFICATION BY 3/1/2025
- Debtor's attorney must file a proof of claim on behalf of Shellpoint Mortgage and a motion to allow late claim within 30 days of confirmation.

1. Toyota Motor Credit filed a secured arrears claim #16 in the amount of $660.09 for the 2019 Sienna which is not in the plan. Is the debtor going to pay this claim? (PER ATTORNEY, PAY)

2. Objection filed by Wells Fargo (LOGS) - failure to cure arrears of $38,652.20. (RESOLVED - LOAN MODIFICATION BY 3/1/2025 AND REGULAR PAYMENTS PENDING LOAN MODIFICATION)

3. Trustee's objection:
-Wells Fargo (LOGS Legal) objection to confirmation- pre-petition arrears $38,652 - need to resolve (RESOLVED)

Plan proposes: $1,069 x 60 beginning 12/1/2024, not less than $40,892.77 to unsecured creditors
Payments: 2/2
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21042 / MEHSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Note: non-exempt equity recalculated to $6,403 based upon amended Sch C filed and secured POC filed (dm)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21119 / MEHJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

100% and bar date is 1/16/25
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21129 / MEHDavid G. Beslow, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0  

AS of 1/13/25(mk);

**CAN REC CONFIRM AT $200 x 36 Begin 12/1/24 Base.
Must file pre confirmation certification within 7 days of confirmation order**


1. Trustee Objection:
-Must file pre conf cert.


Plan: $200 x 36 begin 12/1/24; Base
2/2 payments
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21147 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0  

as of 1/10/2025 (JMA)

OK TO BE CONFIRMED AT $150X36 BASE PLAN

proposed plan $150x36 base plan
paid in $300
last claim 4-1

RESOVLED ISSUES:

Trustee objection to confirmation - RESOLVED, FILED
- Need to file Pre-Confirmation Certification with Court
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21149 / MEHDavid A. Kasen, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $25.00  
ISSUES AS OF 1/8/2025 (DM):

1) Part 3b of the Plan provides for NJ Family Support in the amount of $63,231 for DSO to be fixed by the Court - need filed claim and clarification regarding Trustee treatment through plan (UNRESOLVED.)

2) Part 4g of the Plan provides $13,706.71 treatment to Burlington City Tax Collector and $16,325.87 treatment to PC8 REO LLC to be fixed by the Court - need filed claims and clarification regarding Trustee treatment through plan (UNRESOLVED.)

3) Trustee OBJ:
- Debtor has insufficient income.
- Debtor has failed to file a feasible plan.
- Need proof of SSI once received.
- Need proof of pension income once received.
- Need DSO information (RECEIVED.)
- Need a MP that provides a term, proposes sale, and 100% in real estate is recovered as a result of the Adversary Proceeding.
- There is $209,217 non-exempt equity in real estate if property is recovered.
- Atty must file a Fee App within 7 days of confirmation.
- Need to file Pre-Confirmation Certification.


Prop. Plan $25, Base Plan.
- sale/refi of Conover St within 6 months.
PTD 1/2 = $25
Last Claim (1-1)
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21195 / MEHDonald C. Goins, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 4 of 2 required payments   Arrears: $0  

issues as of 1/9/2025 (JMA)

1) 341 not held, not rescheduled - missing documents

proposed plan $450x12, $770x48 loan mod by 5/25/2025 100% plan
paid in $1,475.75
last claim 2-1
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21206 / MEHJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $846.00  
AS OF 1/14/2025 (at):

1. Ford Motor Credit filed a secured arrears claim #4 in the amount of $661.40 for the 2018 Ford F-150 which is not in the plan. Are the debtors going to pay this claim? (PER ATTORNEY, PAY)

2. Lakeview Loan Servicing filed a secured arrears claim #18 in the amount of $2,951.18 which is not in the plan. Are the debtors going to pay this claim? (PER ATTORNEY, PAY)

3. Trustee's objection:
- The debtor has failed to file a feasible plan - that propose a tier plan when pension loan
$1,084.69 ends in month 11.
- The debtor has failed to supply the Trustee with the following document (s):
- 2 months bank statements from TD Bank acct #4234 (NOT RECEIVED)
- Pension loan balance statement prior to filing date. (NOT RECEIVED)
- Amendments to Schedules A/B and C to correct year, make, model and value of
motorcycle, also must provide valuation, plus add amounts in all bank accts and add Westgate Resorts Timeshare. (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 non-exempt equity in the 2018 Ford $556, Motorcycle (Pending valuation) and
bank accts Wells Fargo has $413, TD Bank unknown, CashApp $1,607 and Motion FCU
$158. (Pending amended Sched A/B and C and bank statement for TD Bank).
- Bifurcated arrears claim filed by Santander, secured $20,225, unsecured $4,806.98 and
arrears $1,849.20. Must resolve claim. (NEED TO KNOW HOW TO TREAT THIS CLAIM)
- Must file Pre-confirmation certification. (NOT FILED)

RESOLVED ISSUES:
- The debtor has insufficient income Disposable income verifies $ -1,839. Debtors will need
E-Wage. (LANGUAGE ADDED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $4,756 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The current Plan does not specify treatment of US Dept of Housing under the Plan. (OK - PAY OUTSIDE)
- Must file fee app w
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21216 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $400.00  
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21259 / MEHCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledRecommend DenialDebtor has made 1 of 2 required payments   Arrears: $1,044.00  
NEEDS MP THAT CHECKS PART 1e FOR JT ADMIN


AS of 1/12/25(mk):


1. Objection by Toyota(Stewart legal):
- Objects to cram amt.

2. Trustee Objection:
-Needs Modified Plan that checks off 1e (joint
administration)
-Zillow values property at $416,200. CMA is for $310,000.
Need explanation as to discrepancy.
- debtor has insufficient income .
-Need updated car insurance -policy expired 12/15/24
- Mtg claim higher at $9385- OK TO PAY? (mk: PER ATY_ YES PAY)

Plan:$1,043.89 X 60; BASE
1/2 payments


---------RESOLVED--------------
-expenses -OK





Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21266 / MEHStephanie Shreter, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 1/14/2025 (at):

1. 341 has not been held or rescheduled.
2. Payments: 2/2
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21283 / MEHPaul H. Young, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $1,356.00  
As of 1/10/25 (DS): 341 not held 12/19/24, no docs provided, also no Trustee payments made, Debtor i arrears $1,356, made 0 out of 2 payments.
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21293 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 1 of 2 required payments   Arrears: $1,342.00  
issues as of 1/9/2025 (JMA)

1) 341 not held, not rescheduled - missing documents

proposed plan $1,342x60 with minimum $64,285 dividend to gucs
paid in $1,342
arrears $1,342
last claim 8-1
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21299 / MEHAndrew M. Carroll, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $1,400.00  
AS OF 1/14/2025 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $1,400
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21320 / MEHEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 2 of 2 required payments   Arrears: $0  

As of 1/10/25 (DS): 341 not held 1/9/25, still missing business forms and P&L for Debtor and spouse, Deed and mortgage statements.
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21339 / MEHFrancis P. Cullari, Esq.Confirmation Hearing ScheduledContinued
2/11/2025 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

341 on 1/16/25











Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21343 / MEHFrancis P. Cullari, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $374.00  
issue as of 10/10/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is $10,421 in non exempt equity in the residence.
- There is $1,244 in non exempt equity in the bank accounts.
- Need HUD-1 (Settlement Statement) from sale of property (Ridgeway Ave) and purchase of new property (Cox Ave) approximately two years ago. PROVIDED, TO BE REVIEWED BY TRUSTEE AUDIT

proposed plan $374x60 base plan
paid in $374
arrears $374
last claim 2-1

RESOLVED ISSUES:

- Need to file Pre-Confirmation Certification - RESOLVED, FILED
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21372 / MEHPeter E. Zimnis, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 1 of 2 required payments   Arrears: $500.00  
issues as of 1/9/2025 (JMA)

1) 341 not held, not rescheduled - missing documents

proposed plan $500x36 base plan
paid in $500
arrears $500
last claim 3-1
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21377 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $250.00  
AS OF 1/14/2025 (at):

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

1. 341 is scheduled for 1/23/2025. (READY)
2. Payments: 2.5/3, arrears $250
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21409 / MEHGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,000.00  
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21416 / MEHJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
2/11/2025 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $2,100.00  
AS of 1/10/25(mk):

>>PLAN 1S 100% - BAR DATE IS 1/27/25. SHOULD BE ADJ TO AFTER THE BAR DATE

1. Plan has IRS notice only - filed claim for $21,198.00

Plan:$2100 X 60; 100%
1/2 payments

--------RESOLVED------------
1. Trustee objection:
-Verified income leaves monthly disposable income of $4,572.
- Per the 22C, monthly disposable income is $4,159 which
requires a minimum dividend
of $249,540 to general unsecured creditors. (100% Plan )
_There is $222,120 in non-exempt equity in the residence. (100% Plan)
- There is $6,440 in non-exempt equity in personal property.
- pre conf cert- FILED

Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21454 / MEHYakov Rudikh, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $1,100.00  
AS OF 1/14/2025 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $1,100
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21469 / MEHJay A. Weinberg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 2 required payments   Arrears: $0  

AS of 1/13/25(mk):

>>ARE STD LOANS TO BE PAID OUTSIDE PLAN? They are listed in part 6 of plan as assumed and no arrears but not separately classified in Part 5 and they are not listed on sch I ??


1. Trustee Objection:
- debtor is not paying all dispo. income into plan. -Income
verified higher than scheduled amount. The disposable net
income is $7,011.49. Even sch I & J show disposable income
of $5,049 p/m and plan only proposes to pay 2,095 p/m
-Form 122C-2 Line 23 is excessive expense for telephone
and telephone services. Allowed $50 for this expense.
-Form 122C-2 Line 45 excess $6,396 (adjusted for line 23) requires minimum $383,760 to gucs
-Need to file Pre-Confirmation Certification with Court.


Plan:$2095 X 60; BASE
3/2 payments
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21500 / MEHRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending - Work-up in ProcessDebtor has made 1 of 2 required payments   Arrears: $3,394.00  
issues as of 1/10/2025 (JMA)

1) 341 not held, rescheduled for 1/16/2025
Matter ResolvedRequest
Adjourment
01/22/2025 10:00 am24-21614 / MEHJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 1 of 2 required payments   Arrears: $1,400.00  
AS OF 1/9/2025 (at):

RECOMMEND: $1,400 PAID TO DATE, $1,500 x 58 BEGINNING 2/1/2025, BASE
- Claim #3, filed by Divided Finance for solar panels, shall be treated as current and paid outside of the plan. No distribution is to be made by the trustee on the secured portion of this claim.

Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $1,564.00.
- Add language to terms that Solar lease (Claim #3-1) is to be treated as current and
outside plan. No Payment by the trustee on the secured portion of the claim. no arrears
on the claim. (LANGUAGE ADDED)

Plan proposes: $1,400 x 60 beginning 12/1/2024, base
Payments: 1/2, arrears $1,400


Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm19-27952 / MEHEdward Hanratty, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $7,242.00
1/6/25 AMT: CRED ATTY FEE OF $699 ADDED TO PLAN/DOC #126 ENTERED 12/30/24 AFTER PLAN WAS PIF - INSUFFICIENT FONDS ON HAND TO PAY
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm21-16241 / MEHCandyce I. Smith-Sklar, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $6,967.00
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm22-10362 / MEHGeorge E. Veitengruber, III, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $62,140.00
Fee App
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm22-13010 / MEHMelinda D. Middlebrooks, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $137,584.00
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm22-17503 / MEHWarren Brumel, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $9,125.00
Fee App
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm23-11786 / MEHJustin M. Gillman, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $38,406.00
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm23-12470 / MEHRobert Cameron Legg, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $27,807.00
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm23-15547 / MEHMarc C. Capone, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $101,103.00
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm24-14369 / MEHDaniel E. Straffi, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $158,147.00
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm24-14544 / MEHGeorge E. Veitengruber, III, Esq.Motion CompensationNo Opposition Filed
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm24-16232 / MEHJustin M. Gillman, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $6,039.00
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm24-16651 / MEHRobert C. Nisenson, Esq.Evidentiary HearingNo Opposition Filed
EVIDENTIARY HEARING/INTERIM SCH ORDER
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm24-17380 / MEHJonathan Goldsmith Cohen, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $5,286.00
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm24-17519 / MEHJustin M. Gillman, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $1,900.00
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm24-18445 / MEHJustin M. Gillman, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $2,500.00
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm24-18949 / MEHAniello D. Cerreto, Esq.Motion CompensationNeeds Resolution of Issues - Objections
Limited OBJ by Ch. 13 Trustee - need inside or outside the Plan in the proposed order (dm)

Fee App - Atty for Ch. 7 Trustee
Matter ResolvedRequest
Adjourment
01/22/2025 2:00 pm24-19221 / MEHJustin M. Gillman, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $1,600.00
Matter ResolvedRequest
Adjourment
01/22/2025 3:00 pm24-11377 / MEHSteven J. Abelson, Esq.AP Summons IssuedMoot - Dismissed
1/13/25 - Order Closing Adv. Pro.

AP 24-1599 Edwards vs. Real Time Resolutions
Matter ResolvedRequest
Adjourment
01/22/2025 3:00 pm24-16919 / MEHDaniel E. Straffi, Esq.AP Summons IssuedJudge to Reserve Decision
AP 24-1584 Rose vs. Hernancez
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes