ALBERT RUSSO • STANDING CHAPTER 13 TRUSTEE
CALENDAR DISPOSITION LIST
Judge Michael B. Kaplan
Hearing Date: 1/25/2023
Hearing Count: 284
Last Updated: 01-30-2023 06:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment		11/25/2023 9:00 am14-28971 / MBKRobert C. Nisenson, Esq.Motion to Cancel and DischargeContinued
2/22/2023 9:00 am
MTN TO CANCEL DISCHARGE WELLS FARGO
Matter ResolvedRequest
Adjourment		21/25/2023 9:00 am15-27925 / MBKCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultGranted
FAY SERVICING/Oliver Ave (Friedman Vartolo)
Matter ResolvedRequest
Adjourment		31/25/2023 9:00 am17-17240 / MBKCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $9,339.00
amt: mp 1/25 *** NEEDS RESOLUTION**<<>>

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment		41/25/2023 9:00 am17-23707 / MBKBrian W. Hofmeister, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
AMT: PIF/PENDING CLOSING AUDIT<<>>

$5,551 BALANCE in month 65

(OTBS with morton)

100% PLAN WILL NOT COMPLETE TIMELY DUE TO #3-2
Matter ResolvedRequest
Adjourment		51/25/2023 9:00 am17-28869 / MBKHerbert B. Raymond, Esq.Creditor Certification of DefaultContinued
3/8/2023 9:00 am		Total Paid In: $90,398.00
Debtor obj<> PLANET HOME LENDING/Oak Knoll Road (Friedman Vartolo)
Matter ResolvedRequest
Adjourment		61/25/2023 9:00 am17-30801 / MBKRobert C. Nisenson, Esq.Motion to Cancel DischargeGranted
MTN TO CANCEL DISCHARGE WELLS FARGO MTG
Matter ResolvedRequest
Adjourment		71/25/2023 9:00 am17-31459 / MBKRobert Braverman, Esq.Trustee Motion to DismissWithdrawnTotal Paid In: $42,949.00
Debtor obj, will pay<>FAILED TO PAY PLAN BALANCE
Matter ResolvedRequest
Adjourment		81/25/2023 9:00 am17-31497 / MBKGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $26,220.00
FAILED TO PAY PLAN BALANCE
Matter ResolvedRequest
Adjourment		91/25/2023 9:00 am17-34816 / MBKHerbert B. Raymond, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $39,606.00
1/9 amt: PIF/PENDING CLOSING<<>>>

FAILED TO PAY PLAN BALANCE
Matter ResolvedRequest
Adjourment		101/25/2023 9:00 am17-35322 / MBKAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $37,184.00
CASE PAID OFF

Debtor obj, will pay<>FAILED TO PAY PLAN BALANCE $3,578.30 BEFORE PLAN EXPIRATION
Matter ResolvedRequest
Adjourment		111/25/2023 9:00 am17-35390 / MBKGeorgette Miller, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/8/2023 9:00 am		Total Paid In: $40,711.00
$3,987.50 was sent overnight on 12/12/22 - received

month 61, plan balance of $3864

Debtor obj<>FEASIBILITY/POST PET; ARREARS
Matter ResolvedRequest
Adjourment		121/25/2023 9:00 am17-35524 / MBKWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $16,798.00
PAID

FAILED TO PAY PLAN BALANCE $262.13 BEFORE EXPIRATION
Matter ResolvedRequest
Adjourment		131/25/2023 9:00 am17-36011 / MBKBrad J. Sadek, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $49,718.00
AMT: PYMT RECEIVED/CLOSING REVIEW<<>>

ADJ to 1/25/23 Peremptory for payment (dm)

Debtor obk<>ARREARS; DEBTOR HAS ACCRUED PP MTG ARREARS TO U.S. BANK
Matter ResolvedRequest
Adjourment		141/25/2023 9:00 am18-10035 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/8/2023 9:00 am		Total Paid In: $51,170.00
Case to be paid in full by 3/8 or case dismissed EDC

1/25/23 (sf) -Attorney provided a copy of cashier's check for $5000

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment		151/25/2023 9:00 am18-10934 / MBKJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/8/2023 9:00 am
Debtor obj, proposed pymts in Feb<>ARREARS
Matter ResolvedRequest
Adjourment		161/25/2023 9:00 am18-12467 / MBKKevin C. Fayette, EsqMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $18,265.00
1/23 amt: TR LTR REQUESTING CONDUIT<<>>

Debtor obj<>NJ HOUSING/ Adeline St (Pluese Becker)
Matter ResolvedRequest
Adjourment		171/25/2023 9:00 am18-14219 / MBKJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/22/2023 9:00 am		Total Paid In: $20,196.00
Debtor obj<
Matter ResolvedRequest
Adjourment		181/25/2023 9:00 am18-18870 / MBKStacey L. Mullen, Esq.Creditor Certification of DefaultContinued
2/22/2023 9:00 am		Total Paid In: $35,550.00
Debtor obj<> SANTANDER/2015 Wrangler (Morton)
Matter ResolvedRequest
Adjourment		201/25/2023 9:00 am18-24178 / MBKJohn Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/8/2023 9:00 am		Total Paid In: $10,256.00
Must be on TFS and can do recap per AR

Debtor obj<> ARREARS; FAILED TO REGISTER FOR TFS

($747 ARREARS AS OF 12/7)
Matter ResolvedRequest
Adjourment		191/25/2023 9:00 am18-24178 / MBKJohn Zimnis, Esq.Creditor Certification of DefaultContinued
2/8/2023 9:00 am		Total Paid In: $10,256.00
12/9/22 AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj<> US BANK/Parkinson Ave ( Friedman Vartolo)
Matter ResolvedRequest
Adjourment		211/25/2023 9:00 am18-26051 / MBKJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Continued
2/22/2023 9:00 am		Total Paid In: $67,175.00
1/23 AMT: TR LTR REQUESTING CONDUIT<>

NEWREZ/SHELLPOINT - 13th Ave (McCALLA RAYMER)
Matter ResolvedRequest
Adjourment		221/25/2023 9:00 am18-26106 / MBKSteven J. Abelson, Esq.Motion Relief from Stay (Fee)Continued
2/8/2023 9:00 am		Total Paid In: $18,550.00
Debtor obj<>PHH MTG/Carol Lane (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment		231/25/2023 9:00 am18-26126 / MBKJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $572,275.00
AMT: ARREARS CURED/WILL COMPLETE TIMELY<<>>

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment		241/25/2023 9:00 am18-27006 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $29,992.00
$29,992 paid then 1157 x 7 beg. 2/1/23 --Trustee will not pay pos-petition claim 7-2A due to the completed loan modification

ADJ to 1/25 for recap and double check the amended POC (dm)

Debtor obj<>FAILED TO ADDRESS US BANK PRE AND POST PET CLMS WITHIN 45 DAYS OF 8/18/20 CONF; ARREARS
Matter ResolvedRequest
Adjourment		251/25/2023 9:00 am18-30888 / MBKTHOMAS J ORR ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $50,116.00
$50,116 paid then 748 x 9 beginning 2/1/2023. Debtor to sign of for ewage/TFS automatic deductions within 7 days of this order.


Recap with ewage or TFS within 7 days

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment		261/25/2023 9:00 am18-32613 / MBKTHOMAS G. EGNERTrustee Certification of DefaultWithdrawnTotal Paid In: $49,362.00
12/19 AMT: PIF/PENDING CLOSING<<>>

Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment		271/25/2023 9:00 am18-34290 / MBKLee M. Perlman, Esq.Motion Impose Automatic StayContinued
2/22/2023 9:00 am		Total Paid In: $35,483.00
1/23 AMT: TR LTR REQUESTING CONDUIT<>

LoanCard response ( RAS)<>MTN TO REINSTATE STAY/LOANCARE, LLC
Matter ResolvedRequest
Adjourment		281/25/2023 9:00 am19-12523 / MBKCamille J. Kassar, Esq.Motion Relief from Stay (Fee)Continued
2/8/2023 9:00 am		Total Paid In: $31,378.00
1/23 AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj<>LOANCARE LLC (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment		291/25/2023 9:00 am19-14012 / MBKDENNIS M. MAHONEY, ESQ.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $30,636.00
conduit order to be circulated
1/23 AMT: TR LTR REQUESTING CONDUIT/DEBTOR REPLY ATTACHED<>

Debtor obj<>SN SERVICING CORP /Hudson Ave (FRIEDMAN VARTOLO)
Matter ResolvedRequest
Adjourment		301/25/2023 9:00 am19-14669 / MBKSteven J. Abelson, Esq.Motion CompelContinued
2/22/2023 9:00 am		Total Paid In: $89,466.00
MTN TO COMPEL ACCOUNTING AND REVISION PARTIAL CLM/LAKEVIEW LOAN
Matter ResolvedRequest
Adjourment		321/25/2023 9:00 am19-17748 / MBKRoger Chavez, Esq.Motion File Claim After Claims Bar DateContinued
2/8/2023 9:00 am		Total Paid In: $8,631.00
ON THE PAPERS
Debtor obj<>MTN (Michael DuPont, Esq) TO ALLOW COMMUNITY FINANCIAL LATE POC#28
Matter ResolvedRequest
Adjourment		311/25/2023 9:00 am19-17748 / MBKRoger Chavez, Esq.Motion File Claim After Claims Bar DateContinued
2/8/2023 9:00 am		Total Paid In: $8,631.00
ON THE PAPERS
Debtor obj<>MTN (Michael DuPont, Esq) TO ALLOW COMMUNITY FINANCIAL LATE POC#29
Matter ResolvedRequest
Adjourment		331/25/2023 9:00 am19-19909 / MBKJeffrey E. Jenkins, Esq.Motion SellContinued
2/8/2023 9:00 am		Total Paid In: $25,325.00
att to supply trustee response by 1/27 EDC

M&T Bank response (Schiller Knapp)<>MOTION TO SELL 22 DEVON AVE

Trustee Obj - Atty signed Certification (DEBTOR'S CERT DOC #56 - dm)

Matter ResolvedRequest
Adjourment		341/25/2023 9:00 am19-22024 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $18,800.00
SV/NJ HOUSING; ARREARS
Matter ResolvedRequest
Adjourment		351/25/2023 9:00 am19-23035 / MBKGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $6,101.00
1/10 AMT: HUD AUDIT COMPLETE/ATTY NEEDS TO FILE FEE APP FOR $3,000 PD AT CLOSING. 100% PLAN NEEDS RECAP TO COMPLETE TIMELY: $6,101 PTD (42 MO); $ 210 X 18 BEG 2/1/23 (EMAIL TO ATTY)<<>>

HUD uploaded 12/9/22

SV/US BANK; FAILED TO LM BY 5/1/20; FAILED TO PROVIDE HUD FROM SALE OF KENTON DRIVE PPTY (8/15/22 SALE ORDER)
Matter ResolvedRequest
Adjourment		361/25/2023 9:00 am19-25111 / MBKMarc C. Capone, Esq.Creditor Certification of DefaultContinued
2/8/2023 9:00 am		Total Paid In: $41,533.00
nfa

Debtor obj<> PHH/Oxford Circle (RAS)
Matter ResolvedRequest
Adjourment		371/25/2023 9:00 am19-25547 / MBKLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $16,227.00
AMT: MP 1/25 ** HONOR ROLL**<<>>


Debtor obj<>FAILED TO LM BY 7/1/22
Matter ResolvedRequest
Adjourment		381/25/2023 9:00 am19-25547 / MBKLee M. Perlman, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $16,227.00
MTN FOR PP FINANCING
Matter ResolvedRequest
Adjourment		391/25/2023 9:00 am19-25752 / MBKEugene Roth, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/8/2023 9:00 am		Total Paid In: $26,956.00
amt: SV CLAIM FOR CREDITOR ATTY FEE/NEED VERIFICATION ATTY IS NOT OWED<<>>


Debtor obj, per Honda account PIF<>SV/HONDA;
Matter ResolvedRequest
Adjourment		401/25/2023 9:00 am19-26922 / MBKDAVID H LIPOWMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $10,271.00
ARREARS
Matter ResolvedRequest
Adjourment		411/25/2023 9:00 am19-27117 / MBKJAMES G AARON ESQMotion Relief from Stay (Fee)Continued
2/22/2023 9:00 am		Total Paid In: $33,588.00
Debtor obj<>SANTNADER/East End Ave (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment		421/25/2023 9:00 am19-27411 / MBKAndrew Carroll, Esq.Creditor Certification of DefaultGrantedTotal Paid In: $40,778.00
Debtor obj<> ATLANTIC CAPITAL (Zeitz)
Matter ResolvedRequest
Adjourment		431/25/2023 9:00 am19-28375 / MBKRobert Manchel, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $25,399.00
Debtor obj<>EXETER FINANCE/ 2018 Explorer (Morton)
Matter ResolvedRequest
Adjourment		441/25/2023 9:00 am19-28968 / MBKSteven J. Abelson, Esq.Creditor Certification of DefaultContinued
2/22/2023 9:00 am		Total Paid In: $33,443.00
Debtor obj<> SANTANDER/Conifer Dr (Brock & Scott)
Matter ResolvedRequest
Adjourment		451/25/2023 9:00 am19-29878 / MBKLee M. Perlman, Esq.Creditor Certification of DefaultContinued
2/22/2023 9:00 am		Total Paid In: $45,786.00
1/23 AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj<> SELENE/London Rd (Pincus)
Matter ResolvedRequest
Adjourment		461/25/2023 9:00 am19-30287 / MBKGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $89,405.00
ARREARS
Matter ResolvedRequest
Adjourment		471/25/2023 9:00 am19-30865 / MBKAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/22/2023 9:00 am		Total Paid In: $17,394.00
AMT: MP 2/22/23

Debtor obj<>FAILED TO LM BY 6/1/20; EXTENDED LOSS MIT EXPIRED 12/26/22; FAILED TO PAY PLAN BAL $4,366.14 BEFORE PLAN EXPIRATION; TRUSTEE NEEDS STATUS ON DEBTOR'S CLASS ACTION LAWSUIT
Matter ResolvedRequest
Adjourment		481/25/2023 9:00 am19-30890 / MBKJustin M. Gillman, Esq.Creditor Certification of DefaultContinued
2/22/2023 9:00 am		Total Paid In: $55,408.00
NFA only 2 months arrears
1/6 AMT; TR LTR REQUESTING CONDUIT<<>>

Debtor obj<> NATIONSTAR/Poor Farm Road (McCabe Weisberg)
Matter ResolvedRequest
Adjourment		491/25/2023 9:00 am19-31513 / MBKWARREN S JONES, JR ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $22,286.00
Debtor obj<>TD BANK/ Mill St (Schiller Kanpp)
Matter ResolvedRequest
Adjourment		501/25/2023 9:00 am19-31841 / MBKSTEPHEN M GOLDBERG, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $41,643.00
AMT:(per AR) - $39,192.75 PTD (37); $1,950 X 1 (JAN); $2,275 X 22 BEGINNING 2/1/23; EWAGE (1/23 ATTY ok)<>

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment		511/25/2023 9:00 am19-32537 / MBKJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/8/2023 9:00 am		Total Paid In: $18,760.00
1/11/23 - Per MBK, debtor to address the contested lien within 15 days - ADJ to 1/25/23

Cross Motion filed by creditor (Wilentz) - motion to sell provided for remaining sale proceeds to be held in trust pending resolution of creditor's objection (dm)

Debtor obj<>FAILED TO SELL LAWRIE ST PPTY BY 11/30/22 (sold, HUD-1 received 12/22); FAILED TO FILE SUPP APP WITHIN 7 DAYS OF 7/28/22 CONF FOR $2,000 PROPOSED IN MP (unresolved)
Matter ResolvedRequest
Adjourment		531/25/2023 9:00 am19-33181 / MBKRobert Cameron Legg, Esq.Motion Reinstate StayWithdrawnTotal Paid In: $14,019.00

MP SCH FOR 1-25 REC DISMISSAL Debtor obj<>MTN TO REINSTATE STAY/RUSHMORE
Matter ResolvedRequest
Adjourment		5551/25/2023 9:00 am19-33498 / MBKAndrew Thomas Archer Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $31,956.00
Note - Motion to Vacate Dismissal pending 1/25/23 (dm)<<>>

1/23 AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj<>FIFTH THIRD BANK (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment		541/25/2023 9:00 am19-33498 / MBKAndrew Thomas Archer Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)GrantedTotal Paid In: $31,956.00
Matter ResolvedRequest
Adjourment		561/25/2023 9:00 am20-11483 / MBKRobert C. Nisenson, Esq.Motion Relief from Stay (Fee)Continued
2/8/2023 9:00 am		Total Paid In: $33,887.00
nfa

Debtor obj<>TOYOTA MOTOR/2015 Lexus (STEWART LEGAL)
Matter ResolvedRequest
Adjourment		571/25/2023 9:00 am20-11908 / MBKJAY B FELDMANMotion Relief from Co-Debtor StayContinued
2/8/2023 9:00 am		Total Paid In: $27,782.00
WELLS FARGO BANK / Eggerts Xing Rd (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment		581/25/2023 9:00 am20-11983 / MBKDaniel E. Straffi, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $18,393.00
OTBS will do conduit

AR WAITING FOR INFO FROM LENDER DEBTOR AGREES TO CONDUIT
12/9 AMT; TR LTR REQUESTING CONDUIT<>

Debtor obj<> PHH/Trenton Ave (RAS)
Matter ResolvedRequest
Adjourment		591/25/2023 9:00 am20-12225 / MBKOtto J. Kostbar, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $23,837.00
Debtor obj<>SPECIALIZED LOAN - Brookview Circle (STEWART LEGAL)
Matter ResolvedRequest
Adjourment		601/25/2023 9:00 am20-14676 / MBKROBERT G SWAN, ESQMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $11,570.00
FREEDOM MTG/Boulevard St (POWERS)
Matter ResolvedRequest
Adjourment		611/25/2023 9:00 am20-20259 / MBKJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/8/2023 9:00 am		Total Paid In: $22,947.00
to file response and put on ewage or tfs

(AMT: SALE ORDER 10/13/22 ...DID PPTY SELL?<<>>)

ARREARS
Matter ResolvedRequest
Adjourment		621/25/2023 9:00 am20-21268 / MBKBruce C. Truesdale, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Converted to 7 / 11
ADJ to 1/25 for Ch 7 conversion to be filed (dm)--not done as of 1/11 EDC

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment		631/25/2023 9:00 am20-22489 / MBKEdward Hanratty, Esq.Motion Relief from Stay (Fee)Continued
2/22/2023 9:00 am		Total Paid In: $28,509.00
1/23 AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj<>MTG RESEARCH CENTER/VETERANS UNITED HOME LOANS/ Texas Rd(McCABE, WEISBERG)
Matter ResolvedRequest
Adjourment		641/25/2023 9:00 am20-23002 / MBKRobert Manchel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $7,597.00
1/16 AMT: CURRENT/WILL COMPLETE TIMELY<<>>

Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment		651/25/2023 9:00 am20-23678 / MBKCamille J. Kassar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/8/2023 9:00 am		Total Paid In: $17,556.00
AMT: MP 1/25*** NEEDS RESOLUTION**<<>>

Debtor obj<>FAILED TO LM BY 4/2/22
Matter ResolvedRequest
Adjourment		661/25/2023 9:00 am21-10113 / MBKJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DeniedTotal Paid In: $6,325.00
$4207 arrears

The trustee is OK with the refund for this year but is requesting the following:
-updated proof of income for the last 2 months(not done)
-supplemental fee application for $500 within 7 days (per the 4/27 order)
The matter can be adjourned to provide this information.


Debtor obj<>FAILED TO TURNOVER A COPY OF 2021 FED TAX RETURN AND REFUND, IF ANY TO TRUSTEE BY 6/1/22; FAILED TO FILE SUPP FEE APP FOR $500 WITHIN 7 DAYS OF 4/27/22 MP CONF
Matter ResolvedRequest
Adjourment		671/25/2023 9:00 am21-10976 / MBKCarrie J. Boyle, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $12,330.00
FAILED TO LM BY 4/30/22; ARREARS
Matter ResolvedRequest
Adjourment		681/25/2023 9:00 am21-12465 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $4,400.00
Debtor obj<>KENTWOOD CONSTRUCTION (WILF FIRM)
Matter ResolvedRequest
Adjourment		691/25/2023 9:00 am21-12827 / MBKDavid E. Shaver, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $86,951.00

WITH OUT PREJUDICE
Debtor obj<>ARREARS; FAILED TO FILE FEASIBLE PLAN
Matter ResolvedRequest
Adjourment		701/25/2023 9:00 am21-13023 / MBKAlex A PisarevskiMotion Motion (Generic) - Only use if no other event is applicableContinued
3/8/2023 9:00 am		Total Paid In: $37,346.00
MTN FOR STATUS CONFERENCE SCH ORDER AND EVIDENTURY HEARING
-failure to provide a consent order to trustee per terms of confirmation
Matter ResolvedRequest
Adjourment		711/25/2023 9:00 am21-13023 / MBKAlex A PisarevskiMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/8/2023 9:00 am		Total Paid In: $37,346.00
Debtor obj<>FAILED TO COMPLY WITH PROVISION OF CONFIRMATION TO TURNOVER TO TRUSTEE FUNDS BEING HELD BY SUNFLOWER CHILDREN SVS
Matter ResolvedRequest
Adjourment		721/25/2023 9:00 am21-13272 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $6,337.00
Trustee Order: $6,337 Ptd, then $456 x 39 starting 2/1/23.

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment		731/25/2023 9:00 am21-13497 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $6,381.00
$6381 paid then 483 x 39 beg 2/1/23. Debtor to sign of for ewage/TFS automatic deductions within 7 days of this order.

Debtor obj, making pymts<>ARREARS
Matter ResolvedRequest
Adjourment		741/25/2023 9:00 am21-13902 / MBKVera Fedoroff, Esq.Motion Relief from Co-Debtor StayGrantedTotal Paid In: $7,875.00
NISSON/2020 Pathfinder (Stewart Legal)
Matter ResolvedRequest
Adjourment		751/25/2023 9:00 am21-15747 / MBKKevin C. Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $6,780.00
ARREARS
Matter ResolvedRequest
Adjourment		761/25/2023 9:00 am21-15867 / MBKPeter J. Broege, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $4,285.00
AMT: 3,900 PTD (18); $385 X 19 BEGINNING 1/1/23 (ATTY OK)<<>>

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment		771/25/2023 9:00 am21-16382 / MBKCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultDismissedTotal Paid In: $7,381.00
AMT: MP 1/25 **RECOMMEND DISMISSAL*<<>>


Debtor obj, can make pymt & requests recap<> ARREARS
Matter ResolvedRequest
Adjourment		781/25/2023 9:00 am21-16561 / MBKRobert Cameron Legg, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $2,807.00
1/25 AMT: DRAFT ORDER TO PARTIES FOR REVIEW<<>>

AR PARTIES AGREE CONDUIT

1/6 AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj<> FIFTH THIRD BANK (RAS)
Matter ResolvedRequest
Adjourment		791/25/2023 9:00 am21-16864 / MBKRobert Manchel, Esq.Motion Relief from Stay (Fee)Consent Order to be SubmittedTotal Paid In: $17,064.00
1/23 AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor response<>CENLAR/ Liverpool Court ( Pluese Becker)
Matter ResolvedRequest
Adjourment		801/25/2023 9:00 am21-17069 / MBKJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $2,800.00
FAILED TO LM BY 9/1/22; EXTENDED LOSS MITIGATION EXPIRED 12/16/22
Matter ResolvedRequest
Adjourment		811/25/2023 9:00 am21-17414 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayGrantedTotal Paid In: $6,176.00
LOANCARE/ Bethany Lane (RAS)
Matter ResolvedRequest
Adjourment		821/25/2023 9:00 am21-17879 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayContinued
2/8/2023 9:00 am		Total Paid In: $39,067.00
Debtor obj<>ROCKET MTG/E. Boat Dr (KML)
Matter ResolvedRequest
Adjourment		831/25/2023 9:00 am21-19003 / MBKEdward Hanratty, Esq.Motion File Claim After Claims Bar DateGrantedTotal Paid In: $3,432.00
MTN TO ALLOW LATE CLM #22
Matter ResolvedRequest
Adjourment		841/25/2023 9:00 am21-19280 / MBKNicholas Fitzgerald, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $1,400.00
ARREARS
Matter ResolvedRequest
Adjourment		851/25/2023 9:00 am21-19382 / MBKCarrie J. Boyle Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $12,900.00
ARREARS
Matter ResolvedRequest
Adjourment		861/25/2023 9:00 am21-19578 / MBKRobert Cameron Legg, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToDeniedTotal Paid In: $7,800.00
Creditor obj (Stern & E); Debtor response<>MTN TO EXPUNGE WILMINGTON CLM#7
Matter ResolvedRequest
Adjourment		871/25/2023 9:00 am21-19927 / MBKBruce C. Truesdale, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $12,100.00

1/23 AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj<>LAKEVIEW LOAN/Bunnell Place (McCABE, WEISBERG)
Matter ResolvedRequest
Adjourment		881/25/2023 9:00 am22-10148 / MBKDavid G. Beslow, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/12/2023 9:00 am		Total Paid In: $5,500.00
Debtor obj<>FAILED TO LM BY 12/22/22
Matter ResolvedRequest
Adjourment		901/25/2023 9:00 am22-10329 / MBKFRANCIS P CULLARI, ESQMotion Reinstate StayGrantedTotal Paid In: $15,734.00
1/23 AMT: TR MTN REQUESTING CONDUIT<>

MTN TO REINSTATE STAY/FREECOM MTG
Matter ResolvedRequest
Adjourment		891/25/2023 9:00 am22-10329 / MBKFRANCIS P CULLARI, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Order to be SubmittedTotal Paid In: $15,734.00
1/25 AMT: DRAFT ORDER TO PARTIES; WILL SUBMIT FOR FILING UNLESS THEY REPLY OTHERWISE<<>>

ATTY AGREES TO CONDUIT
Debtor obj, filed mtn to reinstate stay<>SV/FREEDOM MTG
Matter ResolvedRequest
Adjourment		911/25/2023 9:00 am22-10658 / MBKYakov Rudikh, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $8,991.00
otbs conduit
1/24 amt: creditor agrees to conduit/need debtor's counsel reply<<>>


1/23 amt: tr ltr requesting conduit<>

Debtor obj<>PLANET HOME/ Ashley Road (Pincus)
Matter ResolvedRequest
Adjourment		921/25/2023 9:00 am22-10851 / MBKSTEVEN J. SICOMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $20,250.00
SELENE FINC (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment		931/25/2023 9:00 am22-10986 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/22/2023 9:00 am		Total Paid In: $4,500.00
***Need another App to Extend Loss Mit***

Anita submitted a conduit order to Chambers on 11/9/22 in resolution of creditor's MFR (dm)

9/19/22 AMT: Tax return provided; loss mit extended to 12/5; per DM adj hearing to Dec


Debtor obj<>FAILED TO LM BY 7/1/22 (extended to 12/6/22); FAILED TO PROVIDE COPY OF 2021 TAX RETURN TO THE TRUSTEE BY 6/30/22 (received)
Matter ResolvedRequest
Adjourment		941/25/2023 9:00 am22-11007 / MBKTHOMAS G. EGNERMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/22/2023 9:00 am		Total Paid In: $11,410.00
AMT: MP 2/22

Debtor obj<>ARREARS; FAILED TO PROVIDE TRUSTEE WITH COPY OF DEBTORS' 2021 TAX RETURN BY 5/31/22; NEEDS TO ADDRESS IRS LATE FILED CLM #11-1 (PRIORITY & UNSECURED PORTIONS)
Matter ResolvedRequest
Adjourment		951/25/2023 9:00 am22-11041 / MBKAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $9,445.00
9445 paid then 1212 x 47 beg 2/1/23 ewage tfs trustee order

Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment		961/25/2023 9:00 am22-11279 / MBKBrian L. Hoffman, Esq.Motion Relief from Stay (Fee)Continued
3/8/2023 9:00 am		Total Paid In: $2,469.00
PINGORA/ Fieldcrest Way ( Frenkel)
Matter ResolvedRequest
Adjourment		971/25/2023 9:00 am22-11352 / MBKEdward Hanratty, Esq.Motion CompensationWithdrawn
**filed 4 amended schedule B/C with de minimus changes. Why?

trustee objection:
-some fees excessive
-can better review fees once feasibility of plan determined
Matter ResolvedRequest
Adjourment		981/25/2023 9:00 am22-11354 / MBKEdward Hanratty, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/22/2023 9:00 am		Total Paid In: $25,958.00
AMT: MP 2/22 *** NEEDS TO SUBMIT ADJ REQUEST FOR TR MTN***<<<>>

ADJ to 1/25 for good faith payment--NOT DONE AS OF 1/11 EDC

Debtor obj, filing MP<>ARREARS; NOT FEASIBLE DUE TO SUPP ATTY FEES
Matter ResolvedRequest
Adjourment		991/25/2023 9:00 am22-11973 / MBKAndrew G. Greenberg, Esq.Motion Relief from Stay (Fee)Continued
2/22/2023 9:00 am		Total Paid In: $15,781.00
1/23 AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj<>US BANK/Washington Ave (Frenkel Lambert)
Matter ResolvedRequest
Adjourment		1001/25/2023 9:00 am22-12190 / MBKMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/22/2023 9:00 am		Total Paid In: $2,466.00
Debtor obj<>FAILED TO LM BY 12/15/22; --got LM

FAILED TO FILE PRECONF CERT BY 9/30/22--Done
Matter ResolvedRequest
Adjourment		1011/25/2023 9:00 am22-12224 / MBKRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $4,280.00
Debtor obj<>US BANK NAT'L ASSOC/Ravenwood Blvd (McCALLA RAYMER)
Matter ResolvedRequest
Adjourment		1021/25/2023 9:00 am22-12366 / MBKJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $3,004.00
AMT: MP 1/25 *** HR***>>>

Debtor obj<>FAILED TO COMPLETE LM BY 10/1/22
Matter ResolvedRequest
Adjourment		1031/25/2023 9:00 am22-12366 / MBKJoan Sirkis Warren, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $3,004.00
Debtor obj<>US BANK NAT'L ASSOC/Quenby Mountain Rd(ROMANO GARUBO)
Matter ResolvedRequest
Adjourment		1041/25/2023 9:00 am22-12650 / MBKJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Moot
AMT: MP 1/25**RECOMMEND DISMISSAL***<<>>

Debtor obj< MP filed<>DEBTOR'S PLAN WAS DENIED ON 10/26/22 AND FAILED TO FILE MP WITHIN 15 DAYS
Matter ResolvedRequest
Adjourment		1051/25/2023 9:00 am22-12695 / MBKStacey L. Mullen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $10,964.00
ARREARS
Matter ResolvedRequest
Adjourment		1061/25/2023 9:00 am22-12736 / MBKPeter E. Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $1,999.00
attt to send $400 TFS by 2/1 then 824 x 51 beg 2/1 Debtor to sign of for ewage/TFS automatic deductions within 7 days of this order.


ADJ to 1/25 Peremptory for tax return and debtor to sign up for TFS auto pay (dm)

Atty received cash from debtor (POSTED) - ADJ to 12/14

ARREARS; FAILED TO FILE PRE-CONF CERT BY 8/13/22; FAILED TO PROVIDE A COPY OF 2021 FED TAX RETURN FOR DEBTOR & NON-FILING SPOUSE TO TRUSTEE BY 8/31/22
Matter ResolvedRequest
Adjourment		1081/25/2023 9:00 am22-13102 / MBKEdward Hanratty, Esq.Motion Cross MotionDeniedTotal Paid In: $1,980.00
CROSS MTN TO COMPEL FIFTH THIRD TO REVIEW PENDING LM REQUEST
Matter ResolvedRequest
Adjourment		1071/25/2023 9:00 am22-13102 / MBKEdward Hanratty, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/8/2023 9:00 am		Total Paid In: $1,980.00
FAILED TO LM BY 11/29/23; FAILED TO W/D POC # 22-1
Matter ResolvedRequest
Adjourment		1091/25/2023 9:00 am22-13533 / MBKJoseph Casello, Esq.Creditor Certification of DefaultContinued
2/8/2023 9:00 am		Total Paid In: $4,460.00
Debtor obj<> SELENE/ 17th Ave (RAS)
Matter ResolvedRequest
Adjourment		1101/25/2023 9:00 am22-13623 / MBKANDREW J KELLY, ESQMotion Relief from Co-Debtor StayOrder to be Submitted
AR CONF - OBJECTIONS
AR NOTE 23 K ARREARS
Debtor obj<>SELENE FINC / Main St (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment		1111/25/2023 9:00 am22-13765 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/22/2023 9:00 am
AMT: MP 2/22 **NEEDS TO SUBMIT ADJ REQUEST FOR TR MTN***<<>>

Debtor obj, filed MP<>PLAN WAS DENIED ON 11/22/22 AND FAILED TO FILE MP WITHIN 14 DAYS
Matter ResolvedRequest
Adjourment		1121/25/2023 9:00 am22-13855 / MBKJohn Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/22/2023 9:00 am		Total Paid In: $5,996.00
AMT: MP 2/22

Debtor obj, filing MP<> FAILED TO LM BY 11/30/22
Matter ResolvedRequest
Adjourment		1131/25/2023 9:00 am22-13953 / MBKPaul N. Mirabelli, Esq.Motion Relief from Stay (Fee)Granted
REVERSE MTG/Stone Rd (Berry)
Matter ResolvedRequest
Adjourment		1141/25/2023 9:00 am22-13953 / MBKPaul N. Mirabelli, Esq.Motion Motion (Generic) - Only use if no other event is applicableConsent Order to be Submitted
Wells Fargo obj ( Brock & Scott)<>MTN TO AMEND POC #5 WELLS FARGO & #7 PNC TO $0
Matter ResolvedRequest
Adjourment		1151/25/2023 9:00 am22-14744 / MBKCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Order to be Submitted
Debtor obj<>SELECT PORTFOLIO / Weber Ave (FEIN SUCH)
Matter ResolvedRequest
Adjourment		1161/25/2023 9:00 am22-14860 / MBKTAMIKA N. WYCHE, ESQ.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $2,709.00
Debtor obj<>DAIMLER TRUST / 2020 Mercedes (MORTON)
Matter ResolvedRequest
Adjourment		1171/25/2023 9:00 am22-15092 / MBKMoshe Rothenberg, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
2/8/2023 9:00 am
trustee obj:
(1) No updated proof of insurance has been provided for all properties.
(2) The IRS and NJ claims are still estimated.
(3) The plan does not account for the $53,225 in non-exempt equity in bank accounts
(4) Updated profit and loss statements have not been provided
(5) The trustee needs to 2021 tax returns
Matter ResolvedRequest
Adjourment		1181/25/2023 9:00 am22-15115 / MBKKevin C. Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $820.00
SV/YAMBA-MORRIS; ARREARS
Matter ResolvedRequest
Adjourment		1191/25/2023 9:00 am22-15331 / MBKAndrew Thomas Archer Motion for Relief from StayOrder to be Submitted
Debtor obj<>PENNYMAC/West Monore ( Fein Such)
Matter ResolvedRequest
Adjourment		1201/25/2023 9:00 am22-15340 / MBKYakov Rudikh, Esq.Motion Relief from Co-Debtor StayGranted
US BANK/Pueblo court (McCalla)
Matter ResolvedRequest
Adjourment		1211/25/2023 9:00 am22-15520 / MBKDaniel E. Straffi, Esq.Application to Extend Loss MitigationGrantedTotal Paid In: $2,500.00
AR PARTIES AGREE ON CONDUIT - REGULAR MONTHLY PYMT PENDING LOAN MOD
US BAnk obj ( RAS)<> APPLICATION TO EXTEND LOSS MIT
Matter ResolvedRequest
Adjourment		1221/25/2023 9:00 am22-15527 / MBKCandyce I. Smith-Sklar, Esq.Motion Relief from Co-Debtor StayContinued
2/22/2023 9:00 am		Total Paid In: $6,000.00
1/23 amt: tr ltr requesting conduit<>

Debtor obj<>NEWREZ/SHELLPOINT/ Rhodes Ave (McCALLA RAYMER)
Matter ResolvedRequest
Adjourment		1231/25/2023 9:00 am22-15980 / MBKKevin C. Fayette, EsqMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $3,280.00
1/23 AMT; TR LTR REQUESTING CONDUIT<>

Debtor obj<>US BANK TRUST NAT'L ASSOC (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment		1241/25/2023 9:00 am22-16030 / MBKJonathan Stone, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
3/22 new conf at 10:00 AM

1/24 AMT: 341 DOCS RECEIVED-MEETING CAN BE SCHEDULED<<>>


trustee obj

-$1400 in arrears to trustee
-6 months into case and no 341 has been held due to failure to provide documents since August: .STILL NEED: DR CMA, MTG STMNT AND CUR HOME INSUR(THATS NOT EXPIRED) FOR 7,DR CMA AND CUR HOME INSUR FOR 719, DR CUR CAR INSUR FOR 2 VEH.
Matter ResolvedRequest
Adjourment		1251/25/2023 9:00 am22-16040 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayContinued
2/22/2023 9:00 am

CONF SCH REC DISMISSAL
Debtor obj<>US BANK/third Ave (Friedman Vartolo)
Matter ResolvedRequest
Adjourment		1261/25/2023 9:00 am22-16926 / MBKTheodore B. Weiss, Esq.Motion Reinstate StayContinued
2/8/2023 9:00 am
OK if current on 2/8
Matter ResolvedRequest
Adjourment		1271/25/2023 9:00 am22-17009 / MBKMarcia Y. Phillips, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $2,247.00
Debtor obj<> HONDA/2020 Civic (Morton)
Matter ResolvedRequest
Adjourment		1281/25/2023 9:00 am22-17026 / MBKAndrew Carroll, Esq.Motion CompelGranted
WELLS FARGO MTN FOR ADQ PRO PYMTS ( Powers Kirn)
Matter ResolvedRequest
Adjourment		1291/25/2023 9:00 am22-17162 / MBKKarina Pia Lucid, Esq.Motion for Loss MitigationGrantedTotal Paid In: $3,938.00
MTN FOR LOSS MIT
Matter ResolvedRequest
Adjourment		1301/25/2023 9:00 am22-17337 / MBKRobert Manchel, Esq.Motion Relief from Stay (Fee)Withdrawn
Debtor obj<>SRE MANGMENT/Atterbury Ave(STRAFFI & STRAFFI)
Matter ResolvedRequest
Adjourment		1321/25/2023 9:00 am22-17381 / MBKPRO SEObjection to ClaimContinued
2/21/2023 10:00 am
ADJ by MBK to 1/25/23 to address issues and consult an attorney (dm)

DEBTOR OBJ TO PINNACLE CLAIM #7
Matter ResolvedRequest
Adjourment		1331/25/2023 9:00 am22-17381 / MBKPRO SEObjection to Claim of ExemptionsMoot
ADJ by MBK to 1/25/23 to address issues and consult an attorney (dm)

TRUSTEE OBJ TO EXEMPTIONS
Matter ResolvedRequest
Adjourment		1341/25/2023 9:00 am22-17381 / MBKPRO SEMotion Relief from Stay (Fee)Continued
2/21/2023 10:00 am
ADJ by MBK to 1/25/23 to address issues and consult an attorney (dm)

M&T BANK / Haines St (KML)
Matter ResolvedRequest
Adjourment		1311/25/2023 9:00 am22-17381 / MBKPRO SEMotion Motion (Generic) - Only use if no other event is applicableContinued
2/21/2023 10:00 am
M&T OBJ (Carlon)<>To Classify Secured Party Creditor To Unsecured Party Creditor and Extend Time

Trustee objection--

(1) The debtor's motion has not been properly served upon creditors.

(2) The debtor has not provided a certification of support.

(3) The debtor has not provided a proposed order.

(2) The debtor has failed to provide specificity as to the legal remedy that he is requesting nor the legal basis for the remedy requested in his pleadings.
Matter ResolvedRequest
Adjourment		1351/25/2023 9:00 am22-17388 / MBKJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayOrder to be Submitted
Debtor obj<>SELENE FINANCE/N. Thompson St (RAS)
Matter ResolvedRequest
Adjourment		1361/25/2023 9:00 am22-17428 / MBKJonathan Goldsmith-Cohen, Esq.Motion Relief from Co-Debtor StayGranted
HONDA/ 2016 Accord (morton)
Matter ResolvedRequest
Adjourment		1371/25/2023 9:00 am22-17652 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayGranted
Matter ResolvedRequest
Adjourment		1381/25/2023 9:00 am22-17734 / MBKRussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/8/2023 9:00 am
Debtor obj<>PLAN WAS DENIED ON 11/22/22 AND FAILED TO FILE MP WITHIN 14 DAYS
Matter ResolvedRequest
Adjourment		1391/25/2023 9:00 am22-17760 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order to be Submitted
Debtor obj<>HONDA/2020 Accord (morton)
Matter ResolvedRequest
Adjourment		1401/25/2023 9:00 am22-18059 / MBKJeffrey E. Jenkins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
2/8/2023 9:00 am
No payments EDC
trustee obj
Matter ResolvedRequest
Adjourment		1411/25/2023 9:00 am22-18778 / MBKRONALDO C GEORGEOrder Shorten TimeDenied
ABS LOAN obj (Frenkel); Debtor response

OST MOTION TO IMPOSE AUTOMATIC STAY

- 2 previous dismissals for failure to file missing documents - current case is filed with all documents
Matter ResolvedRequest
Adjourment		1421/25/2023 9:00 am22-18911 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Continued
2/8/2023 9:00 am
ROYAL PINES HOLDINGS (GIORDANO, HALLERAN)
Matter ResolvedRequest
Adjourment		1431/25/2023 9:00 am22-20189 / MBKKarina Pia Lucid, Esq.Hearing Scheduled (Document)Judge to Reserve Decision
order to show cause missing docs
Matter ResolvedRequest
Adjourment		1451/25/2023 9:00 am23-10027 / MBKDonald C. Goins, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment		1461/25/2023 10:00 am17-17240 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledMootDebtor has made 23 of 69 required payments   Arrears: $2,090.00  Total Paid In: $9,339.00
updated 1/23/2023 (JMA)
issues as of 1/18/2023 (JMA)

Trustee objection to modified plan - need to resolve
- The Modified Plan filed by the debtor is not filed in good faith pursuant to Section 1325(a)(3).
- The provision allowing plan extensions due to Covid has expired and the plan length cannot be increased.
- The proposal to pay Trenton was already decided at the last confirmation when the provision was stricken from the plan.
- The debtors are $2090 in arrears to the trustee.
1) Modified plan proposes payment to City of Trenton Tax Office in the amount of $3,236.43. At the time of the last confirmation this provision was stricken from the plan.
2) The modified plan seeks to further extend the plan to a total of 80 months - Trustee to file objection
3) Not current with plan payments, arrears $2,090

proposed plan $125x68, $164.42x12 base plan
paid in $9,339
arrears $2,090
6 months of a 75 month plan remain
Matter ResolvedRequest
Adjourment		1471/25/2023 10:00 am17-27430 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 59 of 65 required payments   Arrears: $0  
Total Paid In: $137,539.00
ISSUES AS OF 1/13/2023 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $137,330.83 PTD, BASE PLAN, SURRENDER OF W. DELAWARE AVENUE PROPERTY, SANTANDER BANK POC (7-1) SHALL BE TREATED OUTSIDE THE PLAN***


Confirmed Case: $7,643.45 Ptd, $2,345 x 53 start 4/1/18, Base
Prop. MP: $2,145.79 x 64, Base
PTD = $137,330.83
Last Claim (13-2) dated 1/12/18
Matter ResolvedRequest
Adjourment		1481/25/2023 10:00 am19-25547 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 24 of 41 required payments   Arrears: $0  
Total Paid In: $16,227.00
as of 1/19/2023 (JMA)

ok to confirm at $15,977 paid to date, $405x5 begin 2/1/2023 base plan with loan mod completed by 6/1/2023

proposed plan $400x6 begin 1/ 2023 begin 1/2023 base plan with loan mod by 6/2023
paid in $15,977
arrears $25
plan is being extended to 46 months, 5 months to go
Matter ResolvedRequest
Adjourment		1491/25/2023 10:00 am19-33181 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 30 of 37 required payments   Arrears: $0  
Total Paid In: $14,019.00
ISSUES AS OF 1/17/2023 (DM):

***Last Trustee payment was made in September - RECOMMEND DISMISSAL***

 Pending Motion to Reinstate Stay

1) Is $1,300 of estimated additional attorney fees in the plan an old note or in addition to the 1/28/21 supplemental order and the 1/6/22 supplemental order.


Confirmed Case: $2,298 Ptd, $391 x 54 start 7/1/20, Base
Prop. MP: PTD, $2,142 x 24, Base
PTD = $14,018.50
Last Claim (16-2) dated 1/25/21
Matter ResolvedRequest
Adjourment		1501/25/2023 10:00 am20-17346 / MBKMonica Mazurczyk, Esq.Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 182 of 31 required payments   Arrears: $784.00  Total Paid In: $142,528.00
As of 1/18/23 (DS): 1. Need proof of satisfaction that Shadow Lake Village was paid at closing. There is an outstanding claim balance of $5,449.05.

2. State of NJ Division of Taxation filed estimated claim 10/27/20, which needs to be amended or moved against, the 2016 tax return not filed.

3. Mod plan was filed before sale. Plan has to pay IRS $5,334.47. Need to confirm that Trustee is ok to pay.

4. Attorney needs to file fee app for fees paid at closing, fees were not disclosed.

MP Prop $16,385 PTD PROCEEDS FROM SALE (11 MEDFORD CT); Base - Sale of Medford Ct by 12/15/22

On 12/27/22 email was sent to Debtor attorney.
(AMT: CASE CLOSING/HUD AUDIT ISSUES: NEED POS SHADOW LAKE #9-1 & NJ #13-1; ATTY NEEDS FEE APP FOR $2,040 PD AT CLOSING, FEES NOT DISCLOSED IN SALE OR NTC).
Matter ResolvedRequest
Adjourment		1511/25/2023 10:00 am20-23678 / MBKCamille J. Kassar, Esq.Confirmation Hearing on Modified PlanDeniedDebtor has made 20 of 25 required payments   Arrears: $95.00  Total Paid In: $17,556.00
MP within 10 days EDC

ISSUES AS OF 1/13/2023 (DM):

1) Bank of NY Mellon (POWERS) OBJs - no Loan Mod date provided - plan lacks feasibility based upon Sch I&J (UNRESOLVED).

Note - Trustee is currently paying on the arrears claim of Bank of NY Mellon, and there is only a $1,838.77 balance left to pay (dm).

***Case was recently confirmed for 56 months. Proposed MP is only for 48 months, so plan payments would need to be $17,556.04 Ptd, then $1,068 x 23 starting 2/1/23, 100% Plan***


Confirmed Case: $8,590 Ptd, $790 x 42 start 3/1/22, 100%
Prop. MP: $200 x 2, $432 x 2, $790 x 44 start 5/1/21, 100%
PTD = $15,884.04
Last Claim (3-1) dated 2/25/21
Matter ResolvedRequest
Adjourment		1521/25/2023 10:00 am21-12608 / MBKScott J. Goldstein Confirmation Hearing ScheduledContinued
3/22/2023 10:00 am		Debtor has made 4 of 4 required payments   Arrears: $942.00  
As of 1/18/23 (DS): Debtor attorney requested adjournment to file mod plan.
Matter ResolvedRequest
Adjourment		1531/25/2023 10:00 am21-16382 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledMoot - DismissedDebtor has made 8 of 17 required payments   Arrears: $0  
Total Paid In: $7,381.00
AS OF 1/20/2023 (at):

ARREARS ARE $5,800 (6 MONTHS OF ARREARS) AND NO PAYMENTS SINCE 11/22/2022.

1. Need amended I and J. (AMENDED)

2. Need updated proof of income showing no overtime. (NEED OCTOBER AND NOVEMBER PAY STUBS)

3. Need 2021 tax return. (RECEIVED)

MP proposes: $427 x 14, $308.47 x 46, base
Arrears: $5,800

(Plan modified to reduce trustee payment since debtor is no longer receiving overtime payments at job. Plan also modified to add trustee arrears to date in the amount of
$2700 . Trustee consent needed)
Matter ResolvedRequest
Adjourment		1541/25/2023 10:00 am21-17612 / MBKRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 15 of 16 required payments   Arrears: $0  
Total Paid In: $23,003.00
AS OF 1/17/2023 (at):

RECOMMEND: $1,643 x 47 BEGINNING 2/1/2023, BASE
Debtors' attorney must file a fee application within 7 days of entry of the order confirming the plan.

MP proposes: $1,643 x 47 beginning 11/1/2022, base
Arrears $285
(Adding post-petition arrearages
Adding attorney fees for post-confirmation legal services)
Matter ResolvedRequest
Adjourment		1551/25/2023 10:00 am21-18490 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledContinued
2/8/2023 10:00 am		Debtor has made 12 of 14 required payments   Arrears: $624.00  Total Paid In: $5,980.00
AS OF 1/18/2023 (at):

1. Excessive expenses on J: $460/month for cable/internet/phone, $800/month for food and $600/month for transportation. Need proof of excessive expenses 10 days prior to confirmation.

2. Need updated proof of income and amended Schedule I. (NOT RECEIVED AND NOT AMENDED)

MP proposes: $260 x 26 beginning 10/1/2022, base
Payments: $886 arrears

(Mortgage arrears and loan modification intentions have been removed. PennyMac Loan Services, LLC is now unaffected in the plan.
Debtor is paying pro rata to unsecured creditors due to excess income showing on Schedule J.)
Matter ResolvedRequest
Adjourment		1561/25/2023 10:00 am21-19833 / MBKPRO SEConfirmation Hearing ScheduledDismissedDebtor has made 3 of 13 required payments   Arrears: $0  


need motion re dismissal

ISSUES AS OF 1/13/2023 (DM): This is a 1 creditor case. No indication that DSO arrears have been fixed by the State Court.

 ADJ to 1/25/23 Peremptory (dm)

 11/2/22 - Order submitted to Chambers - Melissa Burton (DSO) stay relief to return to state court to determine arrears (dm)

1) Ex-wife, Melissa Burton (CANDYCE SKLAR) OBJs - $113,397 priority DSO claim (UNRESOLVED).

2) Trustee OBJ:
- Debtor has insufficient income.
- Need proof of income for Anderson Management business (UNRESOLVED).
- Need P&L statements (UNRESOLVED).
- Need Business Forms for Anderson Management (UNRESOLVED).
- Need Certification regarding ownership interest and assets of Anderson Investments (CERTIFICATION UPLOADED 4/8/22 IS NOT SIGNED).
- Need proof of $3,500/month in DSO payments (UNRESOLVED).
- Tax refund of $2,323 was not prorated and included in disposable income calculation.
- Debtor's counsel must file a Fee App within 7 days of confirmation.
- Vesting at discharge - Trustee must be added as loss payee on insurance policies.
- Need statement for National Life Insurance policy (UNRESOLVED).
- Need statement for Rydberg Technologies stock account (UNRESOLVED).


Prop. Plan $100 x 7, $1,200 x 53, 100% Plan
PTD 9/13 = $3,500
Last Claim (1-1)
Matter ResolvedRequest
Adjourment		1571/25/2023 10:00 am22-10206 / MBKAllen I. Gorski, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 279 of 12 required payments   Arrears: $0  

AR RESOLVE OR HOLD
ISSUES AS OF 1/18/2023 (DM): updated 1/24/23.

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $55,886.86 PTD, THEN $200 x 33 STARTING 2/1/23, BASE PLAN WITH A $2,700 MINIMUM DIVIDEND TO GENERAL UNSECURED CREDITORS, DEBTOR SHALL PROVIDE A 6-MONTH P&L STATEMENT FOR eBay SALES BY 7/15/23***

 11/17/22 - Atty to get an appraisal of the debtor's musical inventory (RECEIVED 1/23/23).
 11/8/22 - Received proceeds from sale of real estate.

1) Trustee Suppl OBJ:
- Plan must remain at 100% based upon $104,775 non-exempt equity in personal assets including collectibles $3,000, business inventory $98,675 and Harley Davidson $3,000 (THRESHOLD ADJUSTED - PLAN AMENDED TO A BASE, RECEIVED APPRAISAL ON INVENTORY, AND TRUSTEE RECEIVED SOME OF DEBTOR'S EXEMPT PROCEEDS FROM SALE OF REAL ESTATE).

2) Trustee OBJ:
- Need P&L statement for eBay sales (UNRESOLVED).

***RESOLVED ISSUES***

A) IRS filed $2,498.84 priority claim that includes estimated taxes for 2018 thru 2021 (AMENDED TO $13,453.61 - MP PAYS).

B) IRS filed a general unsecured claim that includes estimated taxes for 2016 thru 2017 (AMENDED - OKAY).

C) State of NJ filed $17,970.84 amended priority claim that includes estimated taxes for 2018, 2020 and 2021 (AMENDED TO $7,088.32 - MP PAYS).

D) Plan proposes $137,813.61 secured pay in full treatment to TD Bank - creditor filed a secured claim for $110,029.59 (MP PROVIDES FOR PAYMENT AT SALE - SALE COMPLETED).

E) Trustee OBJ:
- Need CMA that includes comps that show dates of sale and sale price (MOOT, PROPERTY SOLD).
- Need 2021 tax return on or 5/31/2022 (RECEIVED).
- There are two different addresses for the residential property - 487 Edinburg Road and 487 Mercer Edinburg Road - which is correct? (MOOT - PROPERTY SOLD)
- Need to file Pre-Confirmation Certification (FILED).


Prop. Plan $7,000 Ptd, $200 x 36 start 11/1/22, Base Plan (45 total months)
- Sale by 12/31/22
PTD 12/12 = $55,886.86
Last Claim (3-4)
Matter ResolvedRequest
Adjourment		1581/25/2023 10:00 am22-10370 / MBKScura, Wigfield, Heyer, Stevens & Camm Confirmation Hearing on Modified PlanContinued
2/22/2023 10:00 am		Debtor has made 12 of 12 required payments   Arrears: $285.00  Total Paid In: $3,480.00
AR RESOLVE OR HOLD

1/17 workup for the 1/25 calendar EDC


Can confirm if below resolved.

1. Objection filed by US Bank (Romano Garubo) - blanket objection. (UNRESOLVED)

Modified plan proposes: $2,055 paid to date, $285 x 52 beginning 10/1/2022, loan modification as determined by 2/24/23 100% to unsecured creditors
Matter ResolvedRequest
Adjourment		1591/25/2023 10:00 am22-10850 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 11 required payments   Arrears: $0  
Total Paid In: $12,100.00
As of 1/23/23 (DS): Confirm at $12,100 paid, $1,822 x 49 begin 2/1/23; Base

MP Prop $10,480 PTD; $1,800 x 50 begin 1/1/23; Base - Increases Trustee payment to pay the post-petition arrears owed to mortgage.
Matter ResolvedRequest
Adjourment		1601/25/2023 10:00 am22-11177 / MBKBRUCE J. DUKEOrder Vacate Dismissal of CaseConfirmedDebtor has made 11 of 11 required payments   Arrears: $0  
Total Paid In: $15,584.00
ISSUES AS OF 1/12/2023 (DM): updated 1/23/23

***TRUSTEE CAN RECOMMEND CONFIRMATION INCLUDING CONDUIT AT $15,584.24 PTD, THEN $3,761 x 49 STARTING 2/1/23, 100% PLAN, WITHIN 14 DAYS THE DEBTOR SHALL FILE POCs ON BEHALF OF JOANN MCGEE AND AMERICREDIT, WITHIN 14 DAYS THE DEBTOR SHALL FILE MOTIONS TO APPROVE THE LATE FILED CLAIMS OF JOANN MCGEE AND AMERICREDIT; CONDUIT ORDER TO BE SUBMITTED WITHIN 7 DAYS***

 11/22/22 - need status of proposed conduit order.

 10/26 AMT: DRAFT CONDUIT TO PARTIES/NEED PP INFO

 MFR by Amerihome Mortgage - Debtor has made no post-petition payments (CONSENT ORDER ENTERED - ADDS $7,557.24 POST-PETITION ARREARS TO THE PLAN).

1) Trustee is unable to pay American Credit Acceptance for the 2019 VW Jetta without a filed POC or a consent order (UNRESOLVED).

2) Plan provides $5,400 priority treatment to Joann McGee for a DSO - Trustee is unable to pay this creditor without a filed POC or a consent order (UNRESOLVED).

3) Trustee OBJ:
- The debtor has insufficient income.

***RESOLVED ISSUES***

A) Amerihome Mortgage (STERN L) OBJs - $57,875.61 arrears not treated in the in the plan (MP PAYS).

B) American Credit Acceptance is listed in the Plan in Part 4g as $15,757.48 pay-in-full treatment, and in Part 6 as a lease. Is this a lease or a finance? (MP CORRECTS).

C) Trustee OBJ:
- There is $13,211 non-exempt equity in real estate (ONLY $160 GUCs - MP IS 100%)
- Domestic Support Obligation information (RECEIVED).
- Need homeowner's insurance renewal - policy provided expires 6/14/2022 (RECEIVED).
- Excessive Expense: $400/water, sewer, garbage; $540/telephone, cell phone (MOOT).
- Need to file Pre-Confirmation Certification with Court (FILED).


Prop. Plan $1,387.32 x 6, $1,441.12 x 64, 100%
PTD 11/11 = $15,584.24
Last Claim (2-1)
Matter ResolvedRequest
Adjourment		1611/25/2023 10:00 am22-11275 / MBKJoseph Casello, Esq.Confirmation Hearing ScheduledContinued
2/22/2023 10:00 am		Debtor has made 10 of 11 required payments   Arrears: $200.00  
1/20/22(mk):

>>Waiting for report to be submitted as to how debtor spent proceeds from sale. Can't go forward w/out that SO, parties agree to adj to 2/22/23 PEREMPTORY. Repot to TR and Creditor Woodford by 1/31/23. If not done Tr will seeek dismissal of case.

10/20/22(mk):

>>Atty has retained Sean Racquet (formally of Bederson & Co and now on his own) to review the documents /proofs on where the $ went and write a report -Needs time for that so this is adj to 12/14/22 . emailed atty and creditor Woodford for debtor's atty to submit the adjournment request.
--
Cert of debtor (#21) filed as to how spent $ NEEDS TR REVIEW-

1.Objection x 2 by Paul Woodford (pro se):
update objection filed; objects to redacted bank statements attached to debtor cert.

2. Trustee Objection:
-Verified income is much higher than scheduled and leaves monthly disposable income of $1,1751.
- excessive expenses: 732.92 p/m for life insurance
-need a detailed Certification from debtor with supporting documentation that explains what was done with the sale proceeds for sale of 2 properties in Seagirt(proceeds 147,354 in 12/22/20) and Manasquan, NJ(2/21/20 - $89,721)
-Need a copy of the lease showing
$2,400/month for rent.
- needs pre conf cert.
---------
-need 2021 tax return by 5/31/22(Provided- Refund $6,626-added to dispos income)


Plan:$200 X 36 BEG 3/2022; BASE
3/5 payments
last claim 8-1, bar date 4/28/22
Matter ResolvedRequest
Adjourment		1621/25/2023 10:00 am22-11352 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 11 required payments   Arrears: $0  

AR RESOLVE OR HOLD
ISSUES AS OF 1/18/2023 (DM): updated 1/25/23

***TRUSTEE TO COMPROMISE AND RECOMMEND CONFIRMATION AT $4,700 PTD, THEN $1,700 x 49 STARTING 2/1/23, BASE PLAN, OTBS BY SANTANDER WITHIN 14 DAYS TO TREAT POC (2-2) AS $53,300 SECURED AND $95,817.44 UNSECURED, TRUSTEE IS AUTHORIZED TO PAY RALPH CLAYTON & SONS LATE SECURED POC (10-1) IN THE AMOUNT OF $747, DEBTOR SHALL SIGN UP FOR TFS eWAGE WITHIN 7 DAYS***

 Disposable income is remaining issue. Last email from debtor's counsel received 12/13/22 regarding disposable income after the filing of amended Sch C, Sch I and Sch J.

***Debtor has provided no documentation to support the $2,400 increase in expenses - RECOMMEND DISMISSAL***

 12/14/22 - Debtor received a permanent Loan Mod during court hearing - ADJ to 1/25/23 Peremptory on disposable income. Based upon the Loan Mod documents and POC filed by M&T Bank, the mortgage should be $2,459.72 which consists of $1,473.72 Principal/Interest, plus $667 estimated taxes, and $319 debtor's new insurance policy.

 Trustee supplemental objection to Schedule C (de minimus changes), Schedule I (does not reflect the true disposable income), and Schedule J (increase of almost $2400 in expenses appears to be in bad faith) scheduled for 2/8/23.

 Pending Fee App (Doc #60) and Fee App (#83) scheduled for 1/25/23

1) Plan provides $747 secured treatment to Ralph Clayton & Sons - no POC filed (LATE POC FILED BY DEBTOR'S COUNSEL)

2) Trustee OBJ:
- Need Jan & Feb bank statements before filing based upon Certification that debtor routinely goes on unemployment between Dec & March every year (CERT UPLOADED 1/18/23 ADVISING THAT NO BANK ACCOUNT EXISTED AT TIME OF FILING FOR JAN & FEB - ACCOUNT OPENED IN MARCH).
- Income verifies higher than scheduled. Debtor is paid weekly and the weekly pay averages to $1,522.52 x 4.33 = $6592.53. The result is excess disposable net in the amount of $4,299.55. Schedule I lists monthly take home pay as $2,522.20 which is impossible when
Matter ResolvedRequest
Adjourment		1631/25/2023 10:00 am22-11408 / MBKHerbert B. Raymond, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 7 of 11 required payments   Arrears: $0  
Total Paid In: $4,668.00
MP filed and on the Honor Roll 1/11/23 - This Plan should be Denied/Withdrawn

ISSUES AS OF 12/2/2022 (DM): updated 12/9/22 - taxes amended - Atty needs to file a MP to extend term to 60 months so plan is feasible.

 ADJ Request processed to 12/14/22 Peremptory.

1) IRS filed $16,947.34 amended priority claim (OKAY TO PAY HIGHER CLAIM??)

2) State of NJ filed $9,205.88 priority claim that includes estimated taxes for 2017, 2018, 2019 and 2021 (AMENDED TO $12,820.69 - OKAY TO PAY??)

3) HSBC Bank/PHH Mtg (RAS) OBJs - $165,276.39 arrears (CONSENT ORDER ENTERED - LOAN MOD BY 12/30/22, TRUSTEE TO PAY ARREARS PENDING THE LOAN MOD).

4) Trustee OBJ:
- Need Jan & Feb bank statements for BOA acct #3298 (RECEIVED RUNNING STATEMENT BUT TRUSTEE CAN'T DETERMINE ACCOUNT BALANCE ON DAY OF FILING).
- Need to resolve bifurcated claim filed by Credit Acceptance (PLAN SURRENDERS VEHICLE IN FULL SATISFACTION).
- Need certification from debtor explaining the separation from husband and his household contribution status (RECEIVED).


Prop. Plan $400 x 36, Base Plan
-Loan Mod by 9/30/22
PTD 9/10 = $3,600
Last Claim (1-3)
Matter ResolvedRequest
Adjourment		1641/25/2023 10:00 am22-11984 / MBKTHOMAS G. EGNERConfirmation Hearing ScheduledConfirmedDebtor has made 10 of 10 required payments   Arrears: $0  
Total Paid In: $1,741.00
as of 1/19/2023 (JMA)

ok to confirm at $1,741 paid to date, $238x50 begin 2/1/2023 base plan
-supplemental fees are included in the modified plan, need an order to pay. motion scheduled for 2/8/2023

proposed plan $1503 paid to date, $238x51 begin 1/2023 base plan
paid in $1741
50 months to go
Matter ResolvedRequest
Adjourment		1651/25/2023 10:00 am22-12222 / MBKMICHAEL P OTTO ESQConfirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 6 of 10 required payments   Arrears: $3,855.00  Total Paid In: $8,480.00
As of 1/18/23 (DS): Need to confirm at $8,479.50 paid, $1,577 x 50 begin 2/1/23; Base with a minimum dividend $58,779.60 to gucs and Kingsberry Acres to be paid per consent order entered 9/14/22.

Trustee obj mod plan:
- Reducing the cram amount owed to Kingsberry from $7,410 to $7,200. Per Order entered 9/14/22 the amount is $7,410.
- Plan is decreasing Trustee payments, but no amended Sched I & J filed and no updated proof of income has been provided.

MP Prop $7,873.50 PTD; $303 x 52 begin 12/1/22; Base and Loan mod on Kingsberry Dr by 4/1/23
- Debtor was approved for Trial Modification Plan which raises the mortgage payment from $1,726.02 to $3,190.05. Therefore, the Debtor's Plan Payment must be reduced to coincide with reduced disposable income.
Note: An amended Sched I & J was filed on case for wrong Debtor.
Matter ResolvedRequest
Adjourment		1661/25/2023 10:00 am22-12224 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 9 of 10 required payments   Arrears: $0  
Total Paid In: $4,280.00
1/17 Workup for the 1/25 calendar EDC

CONF AT- $4280 paid then $456 X 51 BEG 01/1/2023; TRUSTEE TO RECEIVE ALL NON EXEMPT SALE PROCEEDS by 5/1/23(59 RAVENWOOD BLVD) OTBS with US BAnk in 15 days; BASE--PRE CONFIRMATION CERTIFCATION IN 7 DAYS

Debtor asserts that he has approval for a short sale - ADJ to 1/25/23 no need to re-work the case

AR RESOLVE OR HOLD
12/29 workup for the 1/11 calendar EDC

* same as last time

MP filed on for 9/28-- $4280 paid then $456 X 51 BEG 01/1/2023; TRUSTEE TO RECEIVE ALL NON EXEMPT SALE PROCEEDS by 5/1/23(59 RAVENWOOD BLVD); BASE--PRE CONFIRMATION CERTIFCATION IN 7 DAYS

* Objection By US Bank(McCalla):
- plan fails to pay arrears pending sale - creditor wants arrears pd pending sale
- Also MFR on for 1/25 US Bank/1st Franklin mortgage

4. Trustee Objection:
- debtor has insufficient income. Verified income leaves monthly disposable income of -$230.39. Also behind 2 payments---needs ewage or TFS
-need to file Pre-Confirmation Certification.
-----------------
RESOLVED:

2. NJ Div. of tax filed estimated priority POC.(RESOLVED)

3. Tidewater Finance filed
Bifurcated claim: secured 10,000, Unsecured $4,608.22 and arrears 1,735.12- plan has cram to11,117.73.(Treat as a cramdown to $11,117.73)


- IRS has Estimated GUC- plan has LM so needs to be a base. APOC FILED.
- Barnegat T'ship filed a POC 9#20-1) No amt $ was on claim-plan has $41.86 but claim will control

Plan:$500 X 60 BEG 4/2022; LM 6 MO AFTER CONF (59 RAVENWOOD BLVD); $0
3/5 payments
last claim :10-1, bar date :5/31/22
Matter ResolvedRequest
Adjourment		1671/25/2023 10:00 am22-12269 / MBKLee M. Perlman, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 93 of 10 required payments   Arrears: $0  
Total Paid In: $14,006.00
AR RESOLVE OR HOLD
1/17 workup for the 1/25 calendar EDC

-Can confirm as proposed if below is resolved

* Deutsche Bank mortgage filed an objection to MP confirmation-failure to sell property in prompt fashion-resolved per OTBS

proposed MP 14,005.57 paid $150 X 27 BEG 1/2023 (8 MILL ST/448 MAIN ST); 100% -W/MIN $350,000 TO GUCS DUE NE EQUITY--trustee to receive proceeds to pay entire plan in full by sale by 6/30/23
Matter ResolvedRequest
Adjourment		1681/25/2023 10:00 am22-12366 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 9 of 10 required payments   Arrears: $0  
Total Paid In: $3,004.00
1/24/23 (SF) UPDATED

RECOMMEND $3004 PTD, $322 X 32 (BEGIN 2/1/23) BASE PLAN, LOAN MOD BY 5/1/23
- DO NOT PAY ARREARS/RESERVE TO US BANK PENDING APPROVAL OF LOAN MOD
- NEED ORDER RESOLVING MOTION FOR RELIEF BY US BANK WITHIN 30 DAYS
- LOW BASE


AR RESOVE OR HOLD
AS OF 01/18/23 (SF)

1. Motion for Relief scheduled for 01/25/23 at 9 (OTBS.)
2. Trustee Motion to dismiss scheduled for 1/25/23 at 9
3. Plan proposes to reduce trustee payment. Need amended I and J and updated proof of income for September and October 22 (sent email to attorney to determine if the reduction of the payment is an error) PER ATTY, DO NOT REDUCE PAYMENT

MP proposes $250 x 42 Base; Loan mod by 5/1/23 - Extends loan mod date
Plan has run 10 months with 32 months remaining

Matter ResolvedRequest
Adjourment		1691/25/2023 10:00 am22-12375 / MBKAndrew Thomas Archer Order Vacate Dismissal of CaseContinued
3/8/2023 10:00 am		Debtor has made 17 of 10 required payments   Arrears: $0  

NFA
AS of 1/19/23(mk)

work up on plan #43

Amended I & J filed but No POI for job??

1. IRS Estimated Priority tax claim(2119 no return filed)

2. Debtor needs to move to expunge POC #9-1 of MTAG as property was sold at tax sale


Plan: PTD then 314 x 27 0%.
real property was lost to tax sale while case was dismissed
Matter ResolvedRequest
Adjourment		1701/25/2023 10:00 am22-12551 / MBKPaul H. Young, Esq.Order Vacate Dismissal of CaseDeniedDebtor has made 10 of 10 required payments   Arrears: $0  

Plan denied---MP to surrender property in 10 days or D

NFA NFA
1/18 workup for the 1/25 calendar

*10 months old and no loan mod. ...case needs to be dismissed or confirmed with loan mod outside of the plan

1. Objection filed by SN Servicing/US Bank (Friedman Vartolo) - failure to cure arrears of $66,929.21 (Per POC) and correct monthly payment is $1,255.48.

2. Trustee's objection:
-SN Servicing Corporation/US Bank (Friedman Vartolo) objection to confirmation - need to resolve.
- Need to file Pre-Confirmation Certification. (NOT FILED)

-trustee cannnot pay IRS unless claim filed

Plan proposes: $200 x 60 beginning 4/1/2022, loan modification by 6/30/22, 100% to unsecured creditors
Payments: 8/9, arrears $200
Matter ResolvedRequest
Adjourment		1711/25/2023 10:00 am22-12621 / MBKMAUREEN VELLAConfirmation Hearing on Modified PlanConfirmedDebtor has made 9 of 10 required payments   Arrears: $0  
Total Paid In: $15,002.00
ISSUES AS OF 1/20/2023 (DM):

***Trustee can recommend confirmation at $15,002 Ptd, then $1,753 x 50 starting 2/1/23, Base Plan, pay IRS POC (1-2) as filed, pay $52,661.92 arrears POC (7-1) of JP Morgan; Part 8a of the Plan shall vest at confirmation***

1) MP proposes $38,411.57 priority treatment to the IRS - amended POC (1-2) filed by the IRS includes a $14,101.83 priority claim and a $24,309.74 secured claim (PAY PER POC??)

2) JPMorgan Chase (ROMANO GARUBO & ARGENTIERI) OBJs - $52,661.92 arrears and plan is not feasible. (MP PAYS ARREARS)

3) Twp of Woodbridge (GOLDENBERG, MACKLER, SAYEGH) OBJs - $18,800.06 arrears, no claim filed, Bar Date has passed. Per Doc #21 letter states objection withdrawn. Mortgage company paid arrears in full.

4) Trustee OBJ:
- Form 122c, Line #45 has monthly disposable income of $3,300.75 which requires $198,045 minimum dividend to general unsecured creditors (AMENDED TO CORRECT ERROR).
- Attorney fee is hourly so we need an estimate of fees as a place holder in Plan and a fee application with in 7 days of confirming order.
- Must file Pre-confirmation certificate. (FILED)

Note: 7/22/22 Per email from creditor the objection was withdrawn. Informed attorney that withdrawal has to be filed via PACER and if there is a consent order this also needs to be filed as well.


Prop. Plan $1,437 x 8, $1,753 x 52, Base
PTD 10/10 = $15,002
Last Claim (7-1)
Matter ResolvedRequest
Adjourment		1721/25/2023 10:00 am22-12650 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 9 of 9 required payments   Arrears: $0  

1/19 workup for the 1/25 calendar EDC

Attorney told trustee MP was to surrender property but filed a MP that changes from loan mod to sale by September 2023

*case is 9 months old

1) Barclay's Mortgage Trust (Pluese Becker) objection to MP confirmation - need to resolve
-pre petition arrears $65,628.01...not paying arrears pending sale
-plan is not feasible as there is no equity in the subject property

2) Trustee objection to confirmation - need to resolve
- The debtor needs to provide Auto insurance for 2013 Buick Encore. The current policy
expired 9/4/22.
-The modified plan changes the term from 60 to 36 months but debtor is over the median income
-Attorney needs fee application for any additional attorney fees within 7 days
-The case is 9 months old and no proof has been provided that a realtor has been retained and that the property has been listed.

proposed plan $200x60 base plan with loan mod by 1/31/2023
---------------------------------------
RESOLVED:
**ADJ to 10/26 for Loan Mod decision --no loan mod...will file MP to surrender
- 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): Proof of income verifies higher ($4,112.80) than scheduled ($3,645.00) resulting in $886 of monthly disposable income.-OK UPDATED POI PROVIDED IS LOWER EDC


- Need to provide a copy of the last filed tax return - for 2021 RESOLVED, PROVIDED
- Need 2 months (Feb & March) bank statements prior to filing date. RESOLVED, PROVIDED
Matter ResolvedRequest
Adjourment		1731/25/2023 10:00 am22-13189 / MBKPeter E. Zimnis, Esq.Order Vacate Dismissal of CaseWithdrawnDebtor has made 8 of 9 required payments   Arrears: $350.00  
AS OF 1/17/2023 (at):

PER ATTORNEY, PLAN CAN BE WITHDRAWN AS MODIFIED PLAN HAS BEEN FILED.

(LENDER MFR MARKKED MOOT/DISMISSED ON 10/12 SHOULD BE RELISTED)

MODIFIED PLAN FILED 1/13/2023...HEARING SCHEDULED FOR 2/22/2023.
Matter ResolvedRequest
Adjourment		1741/25/2023 10:00 am22-13412 / MBKDANIEL L. REINGANUMConfirmation Hearing ScheduledConfirmedDebtor has made 9 of 9 required payments   Arrears: $0  
Total Paid In: $2,700.00
AR RESOLVE OR HOLD - Atty ok with terms
ISSUES AS OF 1/19/2023 (DM): updated 1/24/23

***Wilmington Savings/Selene submitted a consent order to Chambers. Proposed terms are a Low Base pending the Loan Mod based upon the Consent Order. TRUSTEE CAN RECOMMEND CONFIRMATION AT $300 x 60 STARTING 5/1/22, 100% PLAN WITH $55,409 THRESHOLD PRESERVED, LOAN MOD WITH WILMINGTON SAVINGS/SELENE BY 4/12/23 OR AS EXTENDED BY LOSS MIT ORDER, TRUSTEE SHALL MAKE PAYMENT ON THE MORTGAGE ARREARS CLAIM PENDING THE LOAN MOD; TRUSTE IS AUTHORIZED TO PAY LVNV SECURED POC #1-1 AND EVOLVE BANK SECURED POC #3-1***

 ADJ to 1/25/23 Peremptory (dm)

1) IRS filed $878 priority claim not treated in the plan that includes estimated taxes for 2021 - $100 general unsecured claim is also estimated for tax year 2017 (AMENDED TO $0).

2) Wilmington Savings/Selene Finance (RAS) OBJs - $111,246.80 arrears - loan mod has not been offered or approved by Secured Creditor (OTBS - LOAN MOD BY 4/12/23, AND TRUSTEE SHALL MAKE PAYMENT ON ARREARS CLAIM PENDING THE LOAN MOD).

Note - Loss Mit extended to 11/25/22.

3) LVNV Funding filed secured judgment POC (1-1) in the amount of $454.61 not treated in the plan - either pay claim or move against it (OKAY TO PAY?? - Yes)

4) Evolve Bank & Truste file secured judgment POC (3-1) in the amount of $1,079.35 not treated in the plan - either pay claim or move against it (OKAY TO PAY?? - Yes)

5) Trustee OBJ:
- There is $7,500 non-exempt equity in 2006 MBW 330 and $7,000 non-exempt equity in 2004 Infiniti 330i for a total of $14,500 non-exempt equity. There is also $40,909 non-exempt equity in real estate. A threshold of $55,409 (okay per Atty) should be preserved in the 100% Plan.
- Need amended Sch B & C to include 2010 Nissan Sentra and 2007 Chrysler Aspen LTD (FILED).
- NY State Insurance Fund monthly disability income of $400 is not listed on Schedule I (AMENDED).
- Need to file Pre-Confirmation Certification (FILED).


Prop. Plan $300 x 60, 100% Plan
- Loan Mod by 1
Matter ResolvedRequest
Adjourment		1751/25/2023 10:00 am22-13623 / MBKANDREW J KELLY, ESQConfirmation Hearing ScheduledContinued
4/12/2023 10:00 am		Debtor has made 6 of 8 required payments   Arrears: $6,695.00  
AR HELD FOR STATUS CONF
ISSUES AS OF 1/20/2022 (DM):

 AP is going through mediation to address 3-million-dollar claim.

 MFR filed US Bank/Wilmington (RAS) has been adjourned to 1/25/23 to provide the debtor with an opportunity to market and sell the property.

1) US Bank/Wilmington (RAS) OBJs - plan fails to treat $411,968.16 pre-petition arrears and does not propose post-petition payments pending sale. No proof of efforts to sell property have been provided (UNRESOLVED).

2) Rivers Edge Condo Assn (OSTROVE) OBJs - plan is silent as to $3,206,054.66 judgment claim filed by creditor (UNRESOLVED).

 Adversary complaint filed by Rivers Edge Condo Assn (UNRESOLVED).

3) Trustee OBJ:
- Need amended Sch B&C to add savings acct with Santander #8427 and business acct (UNRESOLVED).
- Need copy of 2021 tax return for business (UNRESOLVED).
- Business is not listed on schedules (UNRESOLVED).

- Proof of income verifies higher - there is disposable income $21,077.
- Excessive Expenses: P&L has telephone/internet $705.43 - Sch J has telephone/internet/cable/cell $300; P&L has utilities $578.32 - Sch J has utilities $500; P&L has cleaning/landscaping $625 - Sch J has home maintenance $200.
- The Plan is not proposed in good faith in accordance with 1325(a)(3) - Plan does not propose all disposable income and does not propose to pay the non-exempt equity.

- There is commingling of debtor's personal and business expenses so Trustee will require
information/valuation of business (UNRESOLVED).
- There is $7,250 non-exempt equity in 2008 Mercedes, $1,000 cash, Bank of America
checking account $1,444 and savings account $51, business bank account $23,955 and tools
$9,575.

- The amount of debt exceeds the 109(e) limit (UNRESOLVED).
- Need proof of marketing the real property for sale (UNRESOLVED).

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need to file Pre-Confirmation Certificate (FILED).


Prop. Plan $3,447.53 x 60, Base
- sale of 350 Main St by 5/1/23
PTD 6/8 = $20,885.18
L
Matter ResolvedRequest
Adjourment		1761/25/2023 10:00 am22-13928 / MBKJeffrey E. Jenkins, Esq.Order Vacate Dismissal of CaseDismissed - Hold FeesDebtor has made 5 of 8 required payments   Arrears: $0  

ISSUES AS OF 1/20/2023 (DM):

***Debtor has only made 2 of 8 payments and has failed to file a Certification in accordance with the Order Vacating Dismissal - RECOMMEND DISMISSAL***

1) IRS filed $27,230.03 amended priority claim not treated in the plan that includes estimated taxes for 2019 (UNRESOLVED).

2) IRS filed a general unsecured claim that includes estimated taxes for 2016 - 2018 (UNRESOLVED).

3) Baker FCU filed $1,859.68 secured claim (OKAY TO PAY??)

4) One Main Financial filed $911.14 arrears claim on a 2016 Mitsubishi Lancer (OKAY TO PAY??)

5) Trustee OBJ:
- Need DSO information for $1,313/month support payments.
- Need April and May bank statement for account #1939 per direct deposits.
- Income verifies higher resulting in $5,866 monthly disposable income.
- Need to file Pre-Confirmation Certification.

***RESOLVED ISSUES***

A) US Bank (RAS) OBJs - $29,088.35 pre-petition arrears (MP SURRENDERS).

B) Greenwich Chase Homeowners Association (Griffin Alexander) OBJs - bifurcated claim of $12,728.05 secured claim and $534 unsecured claim (MP SURRENDERS).

C) Trinity Financial Services (Leopold & Associates, PLLC) OBJs - $131,511.03 arrears - without a Loan Mod the Plan is not feasible (MP SURRENDERS).


Prop. Plan $400 x 60, 100%
PTD 2/8 = $800
Last Claim (15-1)
Matter ResolvedRequest
Adjourment		1771/25/2023 10:00 am22-13953 / MBKPaul N. Mirabelli, Esq.Confirmation Hearing ScheduledContinued
2/22/2023 10:00 am		Debtor has made 6 of 6 required payments   Arrears: $500.00  
1/18 workup for the 1/25 calendar EDC

*motion for relief on 509 Stone Road, Union Beach, NJ 07735---was that property listed in the petition? att will supply cert regarding property edc

- attorney has motion to expunge arrears claim#5-1 of Wells Fargo and claim#7-1 of PNC Bank on for 1/25/contested COTBS
- Within 7 days must file Pre-confirmation certificate.

1. Trustee obj to the following:
- There is non-exempt equity in real property $6,478.94.

2. Wells Fargo 1st mortgage filed arrears claim $3,054.39. Plan has no arrears and needs to be paid or move against claim. OTBS that will pay submitted

3. PNC Bank 2nd mortgage filed arrears claim $26,810.17. Plan has no arrears and needs to be paid or move against the claim. COTBS

4. Must file Pre-confirmation certificate.

Prop Plan $250 x 60; Dollar Base $8,400
Note: Mortgage statements no longer needed for PNC Home equity loans claims filed. Transportation expense $700 ok for household of 2 adults with 2 vehicles. Attorney disclosure is fine.
Matter ResolvedRequest
Adjourment		1781/25/2023 10:00 am22-14675 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 4 of 7 required payments   Arrears: $0  

AS OF 01/18/23 (SF)

1. IRS unsecured claim 1-2 is estimated (NEED AMENDED CLAIM) Missing 2018 Return

2. Trustee objection:
The debtor has failed to supply the Trustee with the following document (s):
- Domestic Support Obligation information (STILL NEED DSO INFORMATION FORM)
- Amendments to Schedules amend Petition to correct spelling of debtor 's last name.
- income verifies higher than scheduled
- The Schedules fail to account for the debtor(s) tax refund in the amount of $617/$3,846 when determining disposable income.
-both debtor and spouse received tax refunds for 2021, they are not included as income on debtor's schedules

Plan proposes $850 x 4, $1239 x 56 0%
Payments: 6/7 Arrears: $1579


RESOLVED ISSUES:
1. Objection filed by Deutsche Bank (Jennings) - failure to pay arrears of $50,859.40 (RESOLVED VIA ORDER)

2. Santander filed arrears claim 2-1 for $7517.10. The plan lists this creditor as unaffected (MP FILED)

-need to file Pre-Confirmation Certification

Matter ResolvedRequest
Adjourment		1791/25/2023 10:00 am22-14744 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 7 of 7 required payments   Arrears: $0  

MP filed on for 3/8 EDC

1/18 workup for the 1/25 calendar EDC


MFR on for 1/25 SELECT PORTFOLIO / Weber Ave (FEIN SUCH) OTBS LM BY 5/31/23-PRE-PETITION ARREARS OUTSIDE THROUGH LM

-status of LM? plan says by 11/22

-what are we doing with bifurcated portion of Credit Union of NJ. The consent order is silent. Are we paying pro rata with other gucs?

1. Objection filed by Select Portfolio Servicing (Fein Such) - second mortgage objecting to cram. (UNRESOLVED)

2. Objection filed by Select Portfolio Servicing (Fein Such) - first mortgage - failure to cure arrears of $28,929.52 (Per POC) and loan mod is speculative. (UNRESOLVED)

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

RESOLVED ISSUES:
3. Objection filed by Credit Union of New Jersey (Liska) - Objecting to cram of 2007 BMW 5. Undervalued, per NADA value is $4,525, not $2,213.28 as per the cram in the plan. (RESOLVED - DEBTOR TO PAY $4,525 THROUGH THE PLAN)

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Bank statements from Wells Fargo checking and savings acct for May and June prior to filing date. (RECEIVED)
- The debtor has failed to provide proof of service with respect to Plan Motion (s). (CERT OF SERVICE FILED)
- Must resolve creditor objections. (UNRESOLVED)
- Must file Pre-confirmation certificate. (FILED)

Plan proposes: $503.75 x 60 beginning 7/1/2022, loan mod by 11/2022, base
Payments: 3/3
Matter ResolvedRequest
Adjourment		1801/25/2023 10:00 am22-15241 / MBKWARREN S JONES, JR ESQConfirmation Hearing ScheduledContinued
3/22/2023 10:00 am		Debtor has made 7 of 7 required payments   Arrears: $0  

NFA ----Work up as a CONDUIT case per attorney WITH TFS/AUTOPAY

As of 1/19/23 (DS): 1. Issues to resolve:
- C/O entered w/Lakeview has loan mod by 11/15/22, date has expired. --WILL GET NEW ORDER
- C/O entered w/Nationstar has loan mod by 12/31/22, date has expired.--WILL GET NEW ORDER
- Must resolve IRS and State of NJ estimated tax claims (2019 tax returns not filed).
- Need motion/order to allow Trustee to pay adequate protection payments $2,004.23 to Loancare Servicing.
- There is non-exempt equity in both homes Washington $125,280.61 and Wilbert $60,116.59 total $185,397.20. Atty ok with 100% to gucs.

Case reinstated 12/14/22

NS-CASE DISMISSED 10/26/22

As of 10/21/22 (DS): 1. BELOW ISSUES REMAIN UNRESOLVED.

Atty has 2nd Adequate Protection payment for the Trustee to send in - ADJ to 10/26

9/13/22 (DS): 1. Trustee obj to the following:
- Need current market analysis for Washington St and Wilbert St, CMA 's provided are from 3/6/21 and proof of child support income receiving. WILL CONFIRM 100% TO GUCS DUE TO NON-EXEMPT EQUITY.
- Must resolve IRS estimated tax claim, 2019 and 2021 tax return not filed.
- Need motion/order to allow Trustee to pay adequate protection payments $2,004.23 to Loancare Servicing.
- There is non-exempt equity in both properties for Washington $125,280.61 and for Wilbert $60,116.59 total $185,397.20.

3. Lakeview Loan - Wilbert St property (ROBERTSON, ANSCHUTZ, SCHNEID) obj to loan mod, arrears not paid and insufficient income. C/O entered 11/9/22, loan mod by 11/15/22 and pay arrears. Loan mod date has passed.

4. State of NJ filed estimated tax claim, 2019 tax return not filed.

Prop Plan $4,106.12 x 36 begin 7/1/22; Base and Loan mod on Washington St by 11/15/22
Note: USAA obj resolved, conduit payments $1,511.65 and loan mod by 12/31/22, arrears not to be paid. 2021 Tax returns provided. Amended Sched I filed to add correct rent income and explanation of child support.
Matter ResolvedRequest
Adjourment		1811/25/2023 10:00 am22-15248 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 5 of 7 required payments   Arrears: $0  

ISSUES AS OF 1/20/2023 (DM):

1) State of NJ filed $1,012.33 priority claim that includes estimated taxes for 2021 (UNRESOLVED).

2) IRS filed a general unsecured claim that includes estimated taxes for 2021 (UNRESOLVED).

3) Deutsche/Ocwen (RAS) OBJs - $163,981.05 arrears and sale is speculative (COTBS - SALE NO LATER THAN 6/1/23).

4) Trustee OBJ: (Note - GUCs ONLY TOTAL $1,680.30)
- Need 2 months proof of income for spouse listed on Sch I as draw from business since spouse is listed on Business Forms as employee (UNRESOLVED).
- Need 2021 tax return (UNRESOLVED).
- Need updated auto insurance.
- Need 2 months bank statements for Wells Fargo business acct (UNRESOLVED).
- Must add to confirming order all non-exempt proceeds from sale of Village Dr to Trustee.
- Must file Pre-confirmation certificate.

- Business Forms do not list value of assets, Sch B has value $1,250. Needs explanation.
- Need explanation of P&L: Business Forms has employees each paid $2,000 to Rosa (spouse) and $1,900 paid to Vincent, but P&L only has $5,242.60 for 6 months, which estimates at $873. Also, P&L has payroll taxes for Rosa (spouse) $4,236.29 for 6 months which estimates monthly at $706. Is she paying taxes or is this income and why is payroll taxes almost the amount of employee wages? May need to amend P&L.


Prop. Plan $500 x 36, Base
- Sale of Village Dr 6 months after Conf
PTD 5/7 = $2,500
Last Claim (8-1)
Matter ResolvedRequest
Adjourment		1821/25/2023 10:00 am22-15331 / MBKAndrew Thomas Archer Order Vacate Dismissal of CaseContinued
2/8/2023 10:00 am		Debtor has made 6 of 6 required payments   Arrears: $0  

AS OF 1/20/2023:

>>atty says mailed out cert funds for $800 today for expedited delivery on Monday- does not bring her current but its something- for posting and to get current


DEBTOR HAS MADE 1 OF 6 PAYMENTS. ARREARS ARE $1,226 AND CASE HAS BEEN PENDING SINCE 7/1/2022. NEEDS TO GET CURRENT THEN I CAN WORK IT UP.

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

MFR by Pennymac on 1/15/23- STATUS CGE 1/20/23- SETTLED- TERMS= cure outside of $4,000.38 by 1/31/23

Trustee's objection:
- need to file Pre-Confirmation Certification with Court. (FILED)
- need to provide Child Support Order which clearly states what is being paid monthly. (RECEIVED)
- Bank statement shows more than the amount on Sch I. (OK)

Plan proposes: $246 x 60 beginning 8/1/2022, 0% to unsecured creditors
Payments: 2/6, arrears: $1,226
Matter ResolvedRequest
Adjourment		1831/25/2023 10:00 am22-15340 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 5 of 6 required payments   Arrears: $0  

AR RESOLVE OR HOLD
AS OF 01/18/23 (SF) Per atty ok to dismiss/hold fees

1. Objection filed by Bank of America/US Bank (Raymond) - failure to provide for arrears of $667,500 (NEED STATUS OF SALE)

2. Trustee objection:
- The debtor has insufficient income . Verified income leaves monthly disposable income
of $207.00.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution,
- Need to file Pre-Confirmation Certification.


Plan proposes $300 x 60 100%; Sale by 12/31/22
Payments: 5/6 Arrears: $300


RESOLVED ISSUES:
- There is $12,075.80 in non exempt equity in the residence. (100% plan )MOOT, CLAIM IS HIGHER
- State of NJ filed estimated priority claim 8-1 (AMENDED)
- IRS filed estimated priority claim 1-1 (NEED AMENDED CLAIM) AMENDED
Matter ResolvedRequest
Adjourment		1841/25/2023 10:00 am22-15419 / MBKShmuel Klein Confirmation Hearing ScheduledContinued
2/22/2023 10:00 am		Debtor has made 6 of 6 required payments   Arrears: $0  

issues as of 1/12/2022 (JMA)

1) Wilmington Trust Company (Powers Kirn) objection to confirmation - need to resolve
-approximate arrears $3,613.52
2) MTGLQ Investors (Parker McCay) objection to confirmation - need to resolve
-plan is ambiguous, not feasible and impermissible
3) Trustee objection to confirmation - need to resolve - 341 held 1/12, waiting for objection to be uploaded


proposed plan $800x60 base plan
paid in $4,800
last claim 3
Matter ResolvedRequest
Adjourment		1851/25/2023 10:00 am22-15671 / MBKMoshe Rothenberg, Esq.Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 6 of 6 required payments   Arrears: $0  

12/2 workup for the 12/14 calendar EDC

** Isaac Neger (Bender) - objection to confirmation, need to resolve
-judgment entered against debtor in the amount of $225,000

-- SUPPLEMENTAL OBJ: In addition to the previous objections the trustee objects to the valuation of the debtor's home. The updated online comparable homes show an estimated value of $670,000.

** Trustee objection to confirmation, need to resolve
--- The circumstances and contents of the debtor's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a) (3).
--- Plan has to pay in full American Honda 2022 Honda Pilot that was financed 3/4/22 with car payment $668 debt $41,953, Plan propose 0% to gucs
--- Real property was transferred from Debtor to Debtor and spouse 6/3/21. This case was filed 7/2022. why is this not a fraudulent conveyance ? PROVIDED LETTER SIGNED BY DEBTOR EXPLAINING CONVEYANCE OF HALF PROPERTY TO WIFE BECAUSE SHE ORIGINALLY COULNDNT BE ON DEED DUE TO HER BAD CREDIT
--- Plan has to pay in full American Honda 2022 Honda Pilot that was financed 3/4/22 with car payment $668 debt $41,953, Plan propose 0% to gucs .
--- There are multiple issues with bank accounts and transfers as follows: BOA joint personal chkg acct#3116 shows total deposits and additions from Zelle or transfers from other acct to be $58,858.84 from 5/6/22 to 6/6/22, then total withdrawals $59,124.61 and from 6/7/22 to 7/6/22 total deposits $29,485.97 with total withdrawals $29,066.91. Many transfers were from business acct 5/27/22 to 5/31/22 total transfer was $8,300, from 6/1/22 to 6/6/22 total transfer from business acct $7,723.10. PROVIDED CERTIFCATION ABOUT BANK TRANSFERS, REFERENCES TRYING TO MINIMIZE BANK CHARGES. THIS EXPLANATION IS NOT CLEAR.
--- Reviewing BOA the above checking acct transfers from business income for May was $8,300 and for June was $23,786.10, which would calculate monthly income $16,043, if we were to use the depo
Matter ResolvedRequest
Adjourment		1861/25/2023 10:00 am22-15721 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 5 of 6 required payments   Arrears: $300.00  
MP IN 15 DAYS

AS OF 01/18/22 (SF) Plan is not feasible

1. Plan is not feasible at 100% due to claim 5-1 filed by Robert and Christine Sylvia $106k

2. Bank of NY/Carrington filed arrears claim 7-1 for $1984.71 which is not addressed in plan (OK TO PAY?)

3. Hyundai Capital filed claim 6-1 for a leased vehicle with zero arrears. Lease is not assumed in the plan.

4. Trustee objection:
- The debtor has insufficient income ; disposable income verifies $ -1,116.75..
- As of now, there is $28,825. equity in real property. plan is 100%. Plan is not feasible. gucs total $121,016


Plan proposes $300 x 60 100%
Payments: 4/6 Arrears: $600

RESOLVED ISSUES:
- Need amendments to Schedules A to correct street address. (AMENDED)
- Must file Pre-confirmation certificate.
- Need a copy of the homeowner's insurance renewal declaration - with personal liability.
Matter ResolvedRequest
Adjourment		1871/25/2023 10:00 am22-15849 / MBKKevin C. Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $4,991.00
AR RESOLVE OR HOLD
ISSUES AS OF 1/19/2023 (DM): updated 1/25/23 - Atty accepts terms (dm)

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $4,591 PTD, THEN $840 x 30 STARTING 2/1/23, BASE PLAN, OTBS ON WHITEHALL APARTMENTS OBJECTION WITHIN 14 DAYS, TRUSTEE IS AUTHORIZED TO PAY BRIDGECREST ARREARS POC (7-1) IN THE AMOUNT OF $282.89***

1) Whitehall Apartments (Giordano Halleran) OBJs - lease expired 6/30/22, now month to month tenants - $7,938 pre-petition arrears - claim filed as unsecured (UNRESOLVED). OK TO USE FAYETTES NUMBERS WITH TERMS THAT OTBS WITH WHITEHALL IN 20 DAYS OF CONFIRMATION)

2) Whitehall Apartments filed MFR scheduled to be heard 10/12/22 (MOTION WITHDRAWN).

3) Bridgecrest filed $282.89 arrears claim on 2015 Chrysler Town & Country (OKAY TO PAY?? -PER ATTY OKK TO PAY)

4) Trustee OBJ:
- The debtor has insufficient income.
- Need updated income for Amazon job by 9/30/2022 (RECEIVED).
- Need amended Sch J to list car payment (AMENDED).
- Need to file Pre-Confirmation Certification (FILED).


Prop. Plan $840 x 36, Base Plan
PTD 5/6 = $4,491
Last Claim (18-1)
Matter ResolvedRequest
Adjourment		1881/25/2023 10:00 am22-15860 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 5 of 6 required payments   Arrears: $0  

AS OF 1/20/2023 (at):

CASE HAS BEEN PENDING SINCE 7/25/22. NEED 2020 AND 2021 TAX RETURNS IN ORDER TO CONFIRM. STAY RELIEF BY CARRINGTON GRANTED 12/16/22.

1. Objection filed by Carrington Mortgage/Wilmington Savings (Fein Such) - failure to cure full arrears of $84,659.34. (Per POC) Plan proposes to pay $65,000. (OKAY TO PAY PER POC - STAY RELIEF GRANTED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - for 2020 & 2021 (NOT RECEIVED)


RESOLVED ISSUES:
- The debtor has undertaken an improper use of exemption. Specifically:
- Schedule C over exempts d(5) by $7,176 for Wells Fargo Bank checking acct and $50 Wells Fargo savings acct. Schedule C takes full d(1) exemption.
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
There is non-exempt equity in real property $145,560.86, Wells Fargo checking acct
$7,175 and Wells Fargo savings acct $50. (LANGUAGE ADDED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Food $600, Clothing $250 and Transportation $575. (100% PLAN)
- Auto insurance for 2001 Ford Mustang and 2002 Dodge Durango, insurance expired 5/11/22. (RECEIVED)
- Must resolve creditor objection. (RESOLVED)

Plan proposes: $500 x 12 beginning 8/1/2022, $1,400 x 48 beginning 8/1/2023, loan modification by 2/1/2023, 100% to unsecured creditors
Payments: 5/6, arrears $500
Matter ResolvedRequest
Adjourment		1891/25/2023 10:00 am22-16040 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 3 of 5 required payments   Arrears: $600.00  
same issues as of 11/17/2022
1/19 workup for the 1/25 calendar EDC

* 2 payments in arrears to trustee

1) SN Servicing Corporation servicer for US Bank (Friedman Vartolo) objection to confirmation, and motion for relief--need to resolve
-approximate pre petition arrears $113,389.75
2) Trustee objection to confirmation - need to resolve
- Need to provide a copy of the homeowner's insurance renewal declaration - for Asbury Park and North Carolina properties.
- The current Plan does not specify treatment of State of NJ Division of Taxation claim under the Plan.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is $124,390 in non exempt equity in the Asbury Park and North Carolina properties. Plan is 100%.
- Need to file Pre-Confirmation Certification. NOT FILED
- Need to resolve the estimated claim filed by the IRS.
- Need to resolve objection by SN Servicing/US Bank.

proposed plan $300x36 begin 9/1/2022 loan mod 6 months after confirmation 100% plan
paid in $900
last claim 3
Matter ResolvedRequest
Adjourment		1901/25/2023 10:00 am22-16058 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 5 required payments   Arrears: $0  
Total Paid In: $1,800.00

1/19 workup EDC

$300 x 60 begin 9/1/22; Base and Sale/Refinance on Barnegat Ave by 3/31/23-100% to unsecured due to $165,931 in equity-trustee to receive non exempt proceeds from sale/refinance ---Arianna Holdings to obtain stay relief on 3/31/23 if no sale or refinance has been completed by that time

-low base plan

As of 12/8/22 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income to support plan. Disposable income verifies $-1,229.
- Need updated auto insurance, insurance expired 10/3/22.
- There is non-exempt equity in real property $165,931.69. Need to add to confirming order non-exempt proceeds from sale.

2. Arianna Holding (GOLDENBERG, MACKLER, SAYEGH, MINTZ) obj to propose sale with no proof of sale, insufficient income and real estate taxes not paid since 2018.

Prop Plan $300 x 60 begin 9/1/22; Base and Sale/Refinance on Barnegat Ave by 8/1/23
Matter ResolvedRequest
Adjourment		1911/25/2023 10:00 am22-16118 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 10 of 5 required payments   Arrears: $0  

AS OF 1/20/2023 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT THE 341 CAN BE CONDUCTED ON 2/23/2023.

1. 341 has been scheduled for 2/23/2023.
2. Payments: 5/5
Matter ResolvedRequest
Adjourment		1921/25/2023 10:00 am22-16180 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 5 of 5 required payments   Arrears: $0  

As of 1/19/23

>>Plan is not feasible. Nothing has been resolved.

1. Objection by American Express( Zwicker& Assoc): plan does not provide for the partially secured claim (Perfected judicial lien) $123,616.34

2. Objection By Newrez/Shellpoint( Stern Eisenberg):fails to pay arrears and not feasible
PLan has MTG as unaffected??

3. Trustee Objection:
-debtor has insufficient income ; after review
of P &L and Sch J there still leaves no
income to fund the plan..
-debtor has failed to file a feasible plan - that
propose a tier plan when car payment
$360 ends in month 11
- excessive expense items, such as: - P &L
from real estate and JNS have excess
expenses already provided for on Sched J,
such as utilities and transportation. Still with
all the excess expenses, there is no
disposable income.
-current Plan does not specify treatment of
American Express judgment lien
$123,616.34 under the Plan.
- plan is not proposed in good faith in
accordance with 11 U.S.C. ? 1325(a)(3).
There is no income to fund the plan,
businesses are operating at a loss, income
verifies $-2,772.34.
-There is non-exempt equity in real property
$33,190.87 and non-exempt equity in 2018
Honda $968.26, after reviewing claims and
d(1) and d(5) remaining exemptions total
$34,159.13.
- Arrears claim filed by Caliber $23,625.02,
Plan has as unaffected, but arrears need to
be paid.
- Add to confirming order Debtor to provide 2
months proof of income from employment,
2 months Profit and Loss statements from all
businesses and 2022 tax returns, 6 months
from confirming.

Plan:$500 x 60 begin 9/1/22; Dollar Base $30,000
4/5 payments
Matter ResolvedRequest
Adjourment		1931/25/2023 10:00 am22-16236 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 3 of 5 required payments   Arrears: $0  

1/24/23 - Per atty, ok to dismiss/hold fees

1/19 workup for the 1/25 calendar EDC

*2 Payments is arrears to trustee

1. The IRS filed a priority claim #1 in the amount of $1,933.25 which is not in the plan. Is it ok to pay this claim? TRUSTEE WILL PAY

2. Objection filed by US Bank (Romano Garubo) - sale date time frame is too far in the future and creditor needs to be paid in full at sale. MFR WAS OTBS BUT NO ORDER. NEED ORDER. IS OBJ RESOLVED?

3. Objection filed by PNC Bank (Fein Such) - failure to cure arrears of $2,895.68 (Per POC). Plan does not propose to make regular monthly payment pending the sale.

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A Modified Plan that steps up trustee payment when car loan is paid off. (MOD PLAN NOT FILED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $329.45.
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need to resolve the objection filed by US Bank. (UNRESOLVED)
- Need to resolve the objection filed by PNC Bank. (UNRSOLVED)

*********************************RESOLVED ISSUES:
- The current Plan does not specify treatment of the IRS under the Plan.
The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $62,212 in non exempt equity in the residence. (LANGUAGE ADDED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)

Plan proposes: $150 x 60 beginning 8/1/2022, sale of residence by 1/31/2023, bas
Matter ResolvedRequest
Adjourment		1941/25/2023 10:00 am22-16259 / MBKGeorge E Veitengruber IIIConfirmation Hearing on Modified PlanContinued
3/8/2023 10:00 am		Debtor has made 5 of 5 required payments   Arrears: $0  

ATT TO RESOLVE VALUATION AND TRUSTEE ISSUES

AS OF 1/24/2023 (at):

1. Need proof of service on Trinity Financial, Patricia Adamo and State of New Jersey for crams listed in parts 4d and 7b. (CERT OF SERVICE FILED)

2. Objection filed by Deutsche Bank (Robertson Anschutz) - sale is speculative and creditor wants an appraisal to provide proof that sale will pay off mortgage.

3. Objection filed by Trinity Financial (Leopold & Associates) - failure to cure full arrears of $87,439.11. Objection filed to modified plan. Creditor wants a basis for the valuation of $741,250 and is objecting to the strip off in the modified plan.

4. Trustee's objection:
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Cable/internet/phone - $983 on P&L and $280 on Schedule J
- Auto expense - $4,245 on P&L and $800 on Schedule J
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 $1,492.66.
- Reviewed the 22C, Line 34 should be $0 as debtor is not curing mortgage arrears through the plan. Per the 22C, monthly disposable income is $1,136 which requires a minimum dividend of $68,160 to general unsecured creditors.
- Need to resolve objection filed by Deutsche Bank and Trinity Financial (UNRESOLVED)


RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $587.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- Need to file Pre-Confirmation Certification. (FILED)
- Need to resolve the estimated claim filed by the IRS. (NO LONGER ESTIMATED)
- nonexempt proceeds, if any, from sale of real property paid to trustee. (LANGUAGE ADDED)


MP before confirmation proposes: $676 x 60 beginning 9/1/2022, sale of residence by 3/1/2023, base
Payments: 5/5
Matter ResolvedRequest
Adjourment		1951/25/2023 10:00 am22-16260 / MBKGabriel Del Virginia, Esq.Confirmation Hearing on Modified PlanContinued
2/22/2023 10:00 am		Debtor has made 53 of 5 required payments   Arrears: $0  

issues as of 1/19/2023 (JMA)

1) US Bank (McCalla Raymer) objection to confirmation - need to resolve
- arrears approximately $53,000
2) Trustee objection to confirmation - need to resolve
- Proof of 2 month's income - June and July pay stubs. NOT PROVIDED
- Need a statement for the whole life insurance policy. PROVIDED, CASH VALUE IS $1,776
- Amendments to Schedules I to remove disability income and provide updated proof of income for full time job NOT AMENDED
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$740/month for utilities AMENDED SCH J REDUCED TO $511 ELECTRIC BILL IS $184.19 WHY IS EXPENSE LISTED AT $511?
; $300/month for water/sewer AMENDED SCH J REDUCED TO $68; $400/month for cable/internet/phone AMENDED SCH J INCREASES TO $537.97, NEED EXPLANATION WHY CELLPHONE BILL INCREASED $70.73 FROM NOVEMBER TO DECEMBER STATEMENTS;
remove $23 form NC prop taxes from J as prop is sold DEDUCT, AMENDED SCH J FAILED TO REMOVE THIS EXPENSE.
ADJUSTED TOTAL SCHEDULE J IS $4,556.70
- Need proof of excessive expenses 10 days prior to confirmation. PROVIDED STATEMENTS
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): Verified income leaves monthly disposable income of $2,290.81.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $564.00 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): non-exempt equity in the North Carolina property to be paid over to Trustee. Order for sale of
that property entered 11.9.22. THE PROPERTY WAS SOLD, CLOSING 11/18/2022
- There is $9,650 in non exempt equity in the vehic
Matter ResolvedRequest
Adjourment		1961/25/2023 10:00 am22-16262 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 6 of 5 required payments   Arrears: $0  

AR MUST HAVE PROOF OF FILING RETURNS --ATT TO CONTACT NJ

1) Wilmington Savings Fund Society FSB (Stern Eisenberg) objection to confirmation - need to resolve
-arrears $32,105.56
2) Wilmington Savings Fund Society FSB (Stern Eisenberg) Creditor Certification of Default scheduled for 2/8/2023
3) Trustee objection to confirmation - need to resolve
- The debtor has failed to supply the Trustee with the following document (s): Pension loan balance statement prior to filing date. NOT PROVIDED TO DATE
- Debtor to provide Trustee with an update from sale of father's home by the estate when that happens but w/in 4 months of confirmation otherwise.
- Non-exempt assets from estate of debtor's father to be paid to Trustee.
3) State of New Jersey filed claim 4, the priority claim is estimated for 2020 taxes, the general unsecured claim is estimated for 2018 taxes, need to resolve STILL ESTIMATED

proposed plan $300x13, $592X15, $1185X32 with loan mod by 6 months after confirmation2/9/2023 100% plan
paid in $1,500
last claim 4

RESOLVED ISSUES:
- The debtor has failed to file a feasible plan - that propose a tier plan, car payments $527 ends in month 28 and $292 ends in month 13. RESOLVED, MODIFIED PLAN PROPOSES TIER
- Arrears claim filed by Santander $69.23. RESOLVED, CURRENT WITH TRUSTEE PLAN PAYMENTS
- Must file Pre-confirmation certificate. RESOLVED, FILED
Matter ResolvedRequest
Adjourment		1971/25/2023 10:00 am22-16269 / MBKEugene Roth, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $2,000.00
1/19 workup for the 1/25 calendar EDC

Request for loss mit filed on 1/16/23

***TO CONF NEEDS: $2000 paid then $400 x 32 begin 2/1/23; 100% (minimum of $21,687 due to equity) and Loan mod with US Bank/SPS by 6/30/23---Trustee will not pay CC1 NJ and JNH Funding unless valid proof of claims filed-OTBS US BANK IN 10 DAYS

1. Trustee obj to the following:

-INVENTORY VALUE OF $43,375 PER BUSINESS FORMS OWNED WITH DAUGHTER--WILL USE THIS AS THE BUSINESS VALUE. OK SINCE THIS IS A 100% CASE.

2. US Bank (PHILLIP RAYMOND) obj to creditor not in plan and arrears not proposed to be paid. Must resolve obj.--debtor wants LM

3. Bar date has passed 10/18/22, no claims filed CC1 NJ and JNH Funding. TRUSTEE CANNOT PAY SINCE NO CLAMS

***TO CONF NEEDS: $2000 paid then $400 x 32 begin 2/1/23; 100% (minimum of $21,687 due to equity) and Loan mod with US Bank/SPS by ???---Trustee will not pay CC1 NJ and JNH Funding unless valid proof of claims filed
----------------------
RESOLVED ISSUES:
- Need 6 months bank statements from filing date. PROVIDED SEPT -NOV OK EDC
- Debtor has job with Chic Shagun (business jointly owned by daughter/spouse) and
provided 3 paystubs. The memo section references a one week pay period, however,
Debtor only provided one check for July, one for August and one for September. Need a copy of all pay received not one check per month. Also there are no deductions. DONE
- Spouse also provided income from Chic Shagun (business jointly owned by the
daughter/spouse). Income is referenced as weekly and only 1 paystub for each month. Also there are no deductions. DONE
- Must file Pre Confirmation Certification
- CC1 NJ II LLC and J.N.H. Funding Corp are not listed on debtors schedules
Matter ResolvedRequest
Adjourment		1981/25/2023 10:00 am22-16340 / MBKGary M. Didieo, Esq.Confirmation Hearing on Modified PlanContinued
3/8/2023 10:00 am		Debtor has made 8 of 5 required payments   Arrears: $0  

NFA

ISSUES AS OF 1/20/2023 (DM):

***Still need HUD from sale of 6th Ave property and Certification regarding disposition of $130,000 proceeds from the sale***

1) Trustee OBJ:
- There is $6,200 non-exempt equity in real property.

- Debtor is to provide the HUD for the 6th Avenue Brick NJ property that was sold in 2020 along with a certification regarding the use of the $130,000 in proceeds (UNRESOLVED).

- Need proof that Debtor sold 2005 Toyota Corolla to junkyard and received $400 or proof that the license plates were turned over to DMV. Per Debtor's Cert this was done soon after filing case.

- SOFA #15 states debtor lost money due to gambling, needs to provide dollar amount lost and when (AMENDED SOFA REMOVES).

- Must file Pre-confirmation certificate (UNRESOLVED).

Note: Cert of non-filing 2021 tax return provided.


Prop. Plan $92 x 60, Base
PTD 5/5 = $712
Last Claim (3-1)
Matter ResolvedRequest
Adjourment		1991/25/2023 10:00 am22-16383 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $3,750.00
AS OF 1/19/2023 (at):

RECOMMEND: $3,750 PAID TO DATE, $750 x 48 BEGINNING 2/1/2023, 100% PLAN
Student loans will be paid outside of the plan.
Preserve non exempt equity of $78,984.00 in real estate.
Debtor's attorney must file a proof of claim and motion to allow a late claim for Synchrony Bank and for Stonehurst Condo Association.
Claims will be paid according to the plan.

Trustee's objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of $630.45.
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - all of September and October. (NOT RECEIVED)
- 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 $78,984 in non exempt equity in the residence. (LANGUAGE ADDED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)
De

Plan proposes: $750 x 36 beginning 9/1/2022, refinance by 8/31/2024, not less than $79,220 to unsecured creditors
Payments: 5/5
Matter ResolvedRequest
Adjourment		2001/25/2023 10:00 am22-16480 / MBKAndy Winchell, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 4 of 5 required payments   Arrears: $4,249.00  
MP IN 15 DAYS

41 not held and not rescheduled-attorney was to file extensive list of amendments as of 1/5 EDC

99% of docs appear to be in (no rent is received by debtor) and payments made - ADJ to 12/14

updated 12/9/2022 (JMA)

1) 341 hearing not held, rescheduled for 1/5/2023
2) Rushmore Loan Management Services LLC (Sheldon May & Associates) objection to confirmation - need to resolve
-pre petition arrears $100,069.73
3) Need to file Pre Confirmation Certification with Court
4) IRS priority and unsecured claim estimated - need to resolve
5) State of NJ priority and unsecured claim estimated - need to resolve
6) Board of Manager of 207-209 East 120 Street (Canada) filed a bifurcated claim (plan proposes claim be paid 100%) - need to resolve

proposed plan $6,000x60 begin 9/1/2022 base plan
paid in $14,053
arrears $9,947
last claim 8
Matter ResolvedRequest
Adjourment		2011/25/2023 10:00 am22-16576 / MBKMICHELLE LABAYENConfirmation Hearing on Modified PlanDeniedDebtor has made 5 of 5 required payments   Arrears: $0  

This Plan should be Denied/Withdraw - there is a MP currently scheduled for 2/22/23 (dm)

issues as of 01/19/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
- Business profit & loss statements PROVIDED P&L FROM 6/15/2022-8/31/2022 INCOME NEGATIVE
- Business forms - for the LLC STILL NOT PROVIDED
- Need to file a Modified Plan that increases trustee payment in September, 2023 when pension loan is paid off.
- 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 $5,545.59. Which requires minimum $33,273.54 dividend to general unsecured creditors
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. 1325(a)(4): There is $15,160 in non exempt equity in the 2022 Kona.
- There is $2,076 in non exempt equity in the bank account.
2) The plan and disclosure do not agree - need to either amend the disclosure or modified plan
3) IRS filed priority claim #1 in the amount of $36,227.24, not treated in plan
4) State of New Jersey filed secured claim #5 in the amount of $1,737.76, not treated in plan

proposed plan $500x60 base plan
paid in $2500
last claim 5
Matter ResolvedRequest
Adjourment		2021/25/2023 10:00 am22-16590 / MBKGarrett I. Elias, Esq.Confirmation Hearing ScheduledContinued
2/8/2023 10:00 am		Debtor has made 5 of 5 required payments   Arrears: $0  

As of 1/10/23 (DS): Debtor attorney requested adjournment, due to scheduling conflict

Matter ResolvedRequest
Adjourment		2031/25/2023 10:00 am22-16606 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 4 of 5 required payments   Arrears: $1,920.00  
NFA

AS OF 1/18/2023 (at):

CASE HAS BEEN PENDING SINCE 8/22/22...NEED AMENDED IRS CLAIM IN ORDER TO CONFIRM.

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

RESOLVED ISSUES:

The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
-disposable income on schedules verifies at $12,222 per month (100% PLAN)
Trustee's objection:
-need to file Pre Confirmation Certification with Court (FILED)

Plan proposes: $1,920 x 60 beginning 9/1/2022, 100% to unsecured creditors
Payments: 4/5, arrears $1,920
Matter ResolvedRequest
Adjourment		2041/25/2023 10:00 am22-16771 / MBKSCOTT M WILHELM, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $0  
Total Paid In: $2,250.00
AS OF 1/13/2023 (at):

RECOMMEND: $2,250 PAID TO DATE, $796 x 55 BEGINNING 2/1/2023, 100% PLAN
Claims will be paid according to the trustee's order of distribution.
Preserve non exempt equity of $26,569.00 in personal property.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Valuations on both vehicles listed on Sched B. NADA Value is higher than scheduled. (MOD PLAN SURRENDERS HONDA ODYSSEY)
- A Modified Plan that amends attorney fees to be per amended disclosure $810 and marks off Part 5a. (MOD PLAN FILED)
Amendments to Schedules C to take proper exemptions and sch I for spouse income
The debtor has undertaken an improper use of exemption. Specifically:
- Schedule C uses incorrect exemption d(1) and d(5) for 2005 Nissan, Household goods and electronics. Since d(1) was used only allowed $1,475 remaining of d(5). (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 TD Bank acct#2671 $26,569.57 and possibly personal assets (pending valuations and amended Schedule C). (LANUGAGE ADDED)
The debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)
- Must resolve Ally Financial bifurcated claim. (MOD PLAN SURRENDERS VEHICLE)
- Must file Pre-confirmation certificate. (FILED)


Modified plan before confirmation proposes: $750 x 60 beginning 9/1/2022, base
Payments: 3/5, arrears $1,500
Matter ResolvedRequest
Adjourment		2051/25/2023 10:00 am22-16856 / MBKPaul H. Young, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 5 of 5 required payments   Arrears: $0  

AS OF 1/18/23 (SF) Per debtor's attorney office, modified plan just filed. This plan can be withdrawn.


1. IRS filed estimated priority claim 3-2 (NEED AMENDED CLAIM)

2. Objection filed by Shellpoint Mortgage (Jennings) - failure to pay arrears of $54,62.61

3. Onemain Financial Group filed arrears claim 5-1 for $40 (OK TO PAY?)

4. Trustee objection
- Need to file Pre-Confirmation Certification.
- The attorney's fees in the plan and the disclosure statement do not agree. One of these
must be amended.



Plan proposes $200 x 60 Base
Payments: 5/5

RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,400.00
when determining disposable income. (moot due to social security income)
Matter ResolvedRequest
Adjourment		2061/25/2023 10:00 am22-16871 / MBKPaul H. Young, Esq.Confirmation Hearing ScheduledContinued
2/8/2023 10:00 am		Debtor has made 3 of 5 required payments   Arrears: $1,490.00  
issues as of 1/19/2023 (JMA) ATTY TO SET UP TFS FOR THIS CASE

1) Not current with Trustee plan payments, arrears $1,490
2) The Bank of New York Mellon Trust Company (RASC) objection to confirmation - need to resolve
- loan modification has not been offered or approved
3) Order approving participation in the Court's Loss Mitigation Program. The Order states the Loss Mitigation process shall terminate on 3/6/2023 unless an application to extend or early termination of the loss mitigation period is filed

proposed plan $745x60 begin 9/1/2022 100% plan with loan mod by 2/1/2023
paid in $2235
arrears $1490
last claim 6

Matter ResolvedRequest
Adjourment		2071/25/2023 10:00 am22-16885 / MBKJohn M. Kenney, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  

AS OF 1/23/2023 (at):

RECOMMEND: $150 x 39 BEGINNING 9/1/2022, BASE
Claims will be paid according to the trustee's order of distribution.
Non exempt proceeds from lawsuit against former divorce attorney are to be turned over to the trustee.
Debtor's attorney must file an amended disclosure statement within 10 days of confirmation.

1. Trustee's objection:
- Mod plan that removes attorney fees owed or amend attorney disclosure to mark off fees will be paid through plan. (MOD PLAN FILED BUT AMENDED DISCLOSURE STILL STATES FEES PAID OUTSIDE)

RESOLVED ISSUES:
- The trustee needs to receive all non-exempt lawsuit proceeds. (LANGUAGE ADDED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - of employment as nanny from employer or proof of payments made to Debtor (a certification from Debtor is not acceptable). (RECEIVED)
- A Modified Plan that removes cramdown of 2014 Lincoln on Section 4d (MOD PLAN FILED)
- Amendments to Schedules to add lawsuit against former divorce attorney (AMENDED)
The debtor has failed to provide proof of service with respect to Plan Motion (s).
Service not needed if removing cramdown of vehicle. (MOD PLAN CURES ARREARS)
- Must file Pre-confirmation certificate. (FILED)

Modified plan before confirmation proposes: $150 x 39 beginning 9/1/2022, base
Payments: 5/5
Matter ResolvedRequest
Adjourment		2081/25/2023 10:00 am22-16892 / MBKKevin C. Fayette, EsqConfirmation Hearing ScheduledContinued
2/22/2023 10:00 am		Debtor has made 4 of 5 required payments   Arrears: $6,010.00  
As of 11/18/22 (DS): 1. Debtor in arrears $12,020, made 1 out of 3 payments.

2. State of NJ filed estimated tax claim, 2019-2021 tax returns not filed. Must resolve claim.

3. Mortgage claim filed by Lakeview Loan/Nationstar, not Community Loan Servicing. Need to confirm if same creditor.
PER ATTY WILL VERIFY

4. BELOW ISSUES REMAIN UNRESOLVED.

As of 10/24/22 Debtor attorney requested adjournment to pass bar date 11/9/22.

10/26/22 (DS): 1. Trustee obj to the following:
- Must resolve IRS estimated tax claim, 2016-2021 not filed. AMENDED CLAIM FILED MUCH HIGHER $264,618 THAN WHAT PLAN PROPOSES TO PAY $2,500.
- 22c disposable income is $5,291, which requires a minimum dividend of $317,460 to gucs. Plan pays 100%.
- Verified income leaves monthly disposable income of $6,879.72. Plan pays 100%.
- Non-exempt equity $115,197.00 in residence, $28,581 in bank accts and investment accounts total $143,778. Plan pays 100%.
- Above median case, is ok as long as plan remains 100%.

2. Wells Fargo filed arrears claim for 2017 Maserati Ghibli for $15,871.17, there is no equity in this car, but no loan is on Sched D or in Plan.

Prop Plan $6,010 x 36 begin 9/1/22; 100%
Matter ResolvedRequest
Adjourment		2091/25/2023 10:00 am22-17075 / MBKLEONARD R BOYERConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 4 required payments   Arrears: $0  

ISSUES AS OF 1/19/2023 (DM): Updated 1/24/23

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $464 PTD, THEN $100 x 32 STARTING 2/1/23, 100% PLAN WITH $168,463 THRESHOLD PRESERVED, LOAN MOD WITH PHH MORTGAGE BY LOSS MIT ORDER, TRUSTEE SHALL PAY PHH MTG ARREARS CLAIM PENDING THE LOAN MOD, US DEPT OF EDUCATION POC (1-1) SHALL BE TREATED OUTSIDE THE PLAN***

1) PHH Mortgage (RAS) OBJs - pursuant to Loan Mod denial letter dated 10/21/21, the Loan Mod is not viable option, and debtor is able to pursue a Short Sale or Deed in Lieu. The Plan fails to identify the treatment of the full pre-petition arrears of $121,057.15 (COTBS - LOAN MOD BY LOSS MIT ORDER - TRUSTEE SHALL PAY PHH PENDING THE LOAN MOD).

2) Attorney filed opposition to creditor objection - debtor assumed mortgage of the home she inherited from her mother when she passed away (SEE ABOVE).

3) Trustee OBJ:
- Republic Bank statement dated 8/5/22 shows end balance of $3,906.16; Navy Federal Credit Union statement dated 8/13/22 shows balance of $51.10; TD Bank statement dated 8/30/22 states account closed - should amend schedules A/B and C accordingly.
- Need to file Pre-Confirmation Certification (FILED).
- Proposed plan must remain at 100% based upon non-exempt equity in real estate.


Prop. Plan $100 x 12 begin, 100% Plan
- Loan Mod by 3/1/23
PTD 4/4 = $464
Last Claim (4-1)
Matter ResolvedRequest
Adjourment		2101/25/2023 10:00 am22-17138 / MBKJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 1/25/2023 (at):

NEED TO ADJOURN THIS HEARING SO THAT 341 CAN BE CONDUCTED ON 2/16/2023.

1. 341 has been scheduled for 2/16/2023.
2. Payments: $1,350 credit
Matter ResolvedRequest
Adjourment		2111/25/2023 10:00 am22-17151 / MBKSCOTT M WILHELM, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 1/13/2023 (at):

RECOMMEND: $3,050 PAID TO DATE, $800 x 57 BEGINNING 1/1/2023, 100% PLAN
Student loans will be paid outside of the plan.
Claims will be paid according to the trustee's order of distribution.
Preserve non exempt equity of $99,642.00 in real and personal property.


Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A Modified Plan that pays student loans outside of the plan. (MOD PLAN FILED)
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $955.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $940 when determining disposable income. (AVERAGED/ADDED TO INCOME)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $77,671 in non-exempt equity in the residence. (LANGUAGE ADDED)
- There is $8,712 in non-exempt equity in the bank accounts. (LANGUAGE ADDED)
- There is $13,259 in non-exempt equity in the 2022 Honda CRV. (LANGUAGE ADDED)
The debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)

Modified plan before confirmation proposes: $800 x 57 beginning 1/1/2023, not less than $25 to unsecured creditors
Payments: 4/4
Matter ResolvedRequest
Adjourment		2121/25/2023 10:00 am22-17175 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  

RECOMMEND: $300 x 12 BEGINNING 10/1/2022, $803 x 48 BEGINNING 10/1/2023, BASE WITH A MINIMUM OF $34,000 TO UNSECURED CREDITORS
Student loans to be treated outside.
Preserve non exempt equity of $24,175.86 in real and personal property.
Refinance on Deerfield Drive by 10/1/23.


As of 1/19/23 (DS): 1. Specialized Loan/Wilmington obj still not resolved. OK TO PAY

11/9/22 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $-199.13.
- There is non-exempt equity in real property $23,641.28 and in 2018 Hyundai Elantra $534.58 (car claim filed less) total $24,175.86. OK TO PAY

2. Specialized Loan/Wilmington (STEWART LEGAL) obj plan does not propose to pay post-petition payments pending refinance. Obj must be resolved. OK TO PAY

Prop Plan $300 x 12 begin 10/1/22; $700 x 48; Dollar Base $34,000 and Refinance on Deerfield Dr by 10/1/23
Note; Updated homeowner insurance provided.
Matter ResolvedRequest
Adjourment		2131/25/2023 10:00 am22-17176 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 4 of 4 required payments   Arrears: $0  

As of 1/19/23 (DS): 1. Thrift Investment filed secured claim $5,375.04, not mentioned in plan. Must pay or move against the claim.

2. BELOW ISSUES REMAIN UNRESOLVED.

As of 10/31/22 (DS): 1. Trustee obj to the following:
- Need DSO Information Sheet.
- There is disposable income $4,069.66.

Prop Plan $500 x 60 begin 10/1/22; Base
Matter ResolvedRequest
Adjourment		2141/25/2023 10:00 am22-17215 / MBKKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
2/22/2023 10:00 am		Debtor has made 2 of 4 required payments   Arrears: $2,246.00  
AS OF 1/12/2023 (at):

1. Objection filed by Caliber Home Loans (Stern & Eisenberg) - failure to cure full arrears of $81,652.19 (Per POC). (UNRESOLVED)

2. Trustee's objection:
The debtor has insufficient income
- Verified income leaves monthly disposable income of $208.00.

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):
- As of now, there is $17,677.50 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $12,354 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). (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)
The debtor has failed to supply the Trustee with the following document (s):
- Need proof of insurance for the 2008 Pontiac. Policy expired 8/27/2022. (RECEIVED)

Plan proposes: $1,123 x 60 beginning 10/1/2022, not less than $5,931.00 to unsecured creditors
Payments: 2/4, arrears $2,246
Matter ResolvedRequest
Adjourment		2151/25/2023 10:00 am22-17261 / MBKGeorge E Veitengruber IIIConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  

as of 1/23/2023 (JMA)

ok to confirm at $312x60 begin 10/1/2022 with loan modification by 4/1/2023 100% plan
- Pre-Confirmation Certification to be filed with Court within ten (10) days of confirmation

1) Deutsche Bank National Trust Company (Brock & Scott) objection to confirmation - RESOLVED, CONSENT ORDER, PRE-PETITON ARREARS TO BE PAID BY LOAN MODIFICATION, POST-PETITION ADEQUATE PROTECTION TO CREDITOR DIRECTLY
2) Trustee objection to confirmation - need to resolve
- A copy of the deed - showing debtor owns this property.( to be transferred from mother's estate) PROVIDED, RESOLVED
- The Plan fails to provide for a prompt loan modification completion date. CONSENT ORDER RESOLVING CREDITOR OBJECTION SET FORTH A COMPLETION DATE OF THE LOAN MODIFICATION OF 4/1/2023
- 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 $214,504.95 in non exempt equity in the residence. 100% PLAN
- Need to file Pre-Confirmation Certification. NOT FILED
- Need to resolve objection by Deutsche Bank. RESOLVED, CONSENT ORDER

proposed plan $312x60 begin 10/1/2022 100% plan
paid in $1248
last claim 5-1
Matter ResolvedRequest
Adjourment		2161/25/2023 10:00 am22-17363 / MBKWarren D. Levy Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 1/23/2025 (at):

RECOMMEND: $2,232 PAID TO DATE, $594 X 56 BEGINNING 2/1/2023, 100% PLAN
Preserve non exempt equity of $2,366.60 in real estate.
Claim #3 filed by Navy Federal CU will be paid through the plan.

1. Navy FCU filed a secured arrears claim #3 in the amount of $706.24 which is not in the plan. Is it ok to pay this claim?

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration. Policy provided will expire 1/12/2023. (NOT RECEIVED)
- Amendments to Schedules Amend Petion to include alias last name (Bryant). (AMENDED)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s):
- excessive expense on Schedule J for $896 car payment.
- Mortgage arrears are higher than scheduled per the filed proof of claim in the amount of $20,965.83.
- Need to file Pre-Confirmation Certification. (FILED)


Plan proposes: $550 x 60 beginning 10/1/2022, 100% plan
Payments: 4/4
Matter ResolvedRequest
Adjourment		2171/25/2023 10:00 am22-17381 / MBKPRO SEConfirmation Hearing ScheduledConverted to 7 / 11Debtor has made 2 of 4 required payments   Arrears: $0  

ADJ by MBK to 1/25/23 to address issues and consult an attorney (dm)

AS OF 1/20/2023 (at):

1. 341 has not been held or rescheduled.
2. Payments: 2/4, arrears $400
3. Stay motion filed by mortgage company is scheduled for 1/25/2023. Debtor has made no post petition payments.
Matter ResolvedRequest
Adjourment		2181/25/2023 10:00 am22-17388 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
2/22/2023 10:00 am		Debtor has made 4 of 4 required payments   Arrears: $0  

issues as of 1/20/2023 (JMA)

1) Selene Finance LP (RASC) objection to confirmation, need to resolve
-pre-petition arrears $81,628.16
2) Trustee objection to Confirmation - need to resolve
- Need to provided proof of 2 month's income - by January 31, 2023. NOT PROVIDED
- Need to provided proof of insurance for the 2015 Dodge Ram. RESOLVED, LISTED ON PAGE 3
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $1,000/month for car insurance. POLICY IS FOR A TOTAL OF 4 CARS, HOUSEHOLD OF 3
- 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 $1,019.98.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3000.00 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is $31,426 in non exempt equity in the vehicles. PLAN IS 100%, BAR DATE HAS PASSED
- Need to file Pre-Confirmation Certification. FILED, RESOLVED
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
- Need name of attorney handling personal injury suit. NOT PROVIDED
- NEED RETENTION OF PI AND COMP ATTYS - NOT FILED
- CHILDREN CONTRIBUTE TO HOUSEHOLD NEED AFFIDAVTS AND AMENDED SCH I - NOT FILED

proposed plan $250x36 100% plan
paid in $1,000
last claim 4
proposed plan $250x36 100% plan
paid in $1,000
last claim 4
Matter ResolvedRequest
Adjourment		2191/25/2023 10:00 am22-17389 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  

As of 1/20/23 (DS): Ok to confirm at $500 x 36 begin 10/1/23; Base
- Loan mod on Blenheim Dr by 4/11/23 (ok to pay toward arrears).
- Fee app within 7 days.

1. Plan has to pay $10,000 to SPS, consent order does not mention arrears ok to pay. Need Debtor atty to clarify. Emailed Debtor attorney. PER EMAIL FROM BOTH ATTYS OK TO PAY TOWARD ARREARS. EMAIL SAVED TO DOCS.

As of 11/18/22 Debtor attorney requested adjournment to file mod plan and resolve creditor objection

11/22/22 (DS): 1. Trustee obj to the following:
- Need service on motion in plan to Resurgent Capital. - SERVICE DONE 12/15/22

2. US Bank (MCCALLA RAYMER LIEBERT) obj to loan mod not offered and arrears not paid. Obj must be resolved. C/O entered loan mod by 3/31/23, however, loss mit order extended to 4/11/23.

Prop Plan $500 x 36 begin 10/1/22; Base and Loan mod on Blenheim Dr by 3/31/23
Note: Updated auto insurance provided 11/10/22.
Matter ResolvedRequest
Adjourment		2201/25/2023 10:00 am22-17394 / MBKMoshe Rothenberg, Esq.Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 0 of 4 required payments   Arrears: $7,100.00  
AS OF 1/18/2023 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT THE 341 CAN BE CONDUCTED ON 2/9/2023.

1. 341 has been scheduled for 2/9/2023.
2. Arrears $7,100
Matter ResolvedRequest
Adjourment		2211/25/2023 10:00 am22-17428 / MBKJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 3 of 4 required payments   Arrears: $0  

NS
AS OF 01/18/23 (SF) PLAN IS NOT FEASIBLE

1. Motion for Relief by Honda scheduled for 1/25 at 10 GRANTED

2. Adversary filed by Tramutolo scheduled for 2/23/23 (Judge to Reserve Decision)

3. Objection filed by US Bank (Kimberly Wilson) - Unclear treatment of creditor's claim. Speculative sale and loan mod (Per the plan, the debtor entered into trial loan mod for September, October and November. Did debtor complete loan mod?) (THERE IS NO MOTION TO APPROVE LOAN MOD FILED. NEED STATUS OF LOAN MOD)

4. Objection filed by John Tramutolo (Nicholas Caputo) - failure to provide for secured judgement claim in the amount of $176,818.3 through the plan. Objects to feasibility and speculative sale.

5. John Tramutolo filed bifurcated claim 6-1 in the amount of $176,818.32 secured, $547,712.64 unsecured and $724,530.96 cure total debt. (HOW SHOULD THIS CLAIM BE PAID?) PLAN IS NOT FEASIBLE

6. Capital One Auto Finance filed arrears claim 3-1 for $836.74 (OK TO PAY?)

7. Trustee objection:
- Need copy of auto insurance policy which expires 11/2/2022
- -there is $53,468 non-exempt equity in home, need to pay minimum $53,468 dividend to
general unsecured creditors

8. Attorney must file fee application for hourly fees

Plan proposes $100 x 36 Base plan, Loan mod by 12/1/22 or sale in 6 months
Payments: 3/4 Arrears: $100
Matter ResolvedRequest
Adjourment		2221/25/2023 10:00 am22-17461 / MBKWARREN S JONES, JR ESQConfirmation Hearing ScheduledContinued
3/22/2023 10:00 am		Debtor has made 4 of 4 required payments   Arrears: $0  




AR MUST PROVIDE DEC PAGE FOR HO INS DATES ARE OK BUT NEED TO CONF COVERAGE
1) NewRez LLC/Shellpoint Mortgage Servicing (Pincus) objection to confirmation - CONSENT ORDER RESOLVING OBJECTION
2) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income .
- The debtor has failed to supply the Trustee with the following document (s): A current market analysis - with comps similar to property. Zillow estimates $230,600. NOT PROVIDED
- A copy of the homeowner's insurance renewal declaration - with proof of liability coverage. PROVIDED
- Need to provide Trustee with 2 months statements of Venmo acct and certification from Debtor explaining deposits into ABCO FCU from Venmo. NOT PROVIDED TO DATE
- Amendments to Schedules B and C to add Venmo acct, if necessary (pending Debtor's cert). NOT FILED TO DATE
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,777 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): - There is non-exempt equity in real property pending updated comps.
- Must file Pre-Confirmation Certificate. RESOLVED, FILED

proposed plan $560.62x60 begin 10/1/2022 base plan
paid in $2,242.48
last claim 5
Matter ResolvedRequest
Adjourment		2231/25/2023 10:00 am22-17497 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 1/24/2023 (at):

1. The NJ Division of Taxation filed an estimated priority claim #10 with needs to be resolved/amended. (STILL ESTIMATED)

2. Objection filed by Wells Fargo Bank (LOGS Legal Group) - plan is silent to this creditor and property. Failure to cure pre-petition arrears of $975.30 (Consent Order Resolving objection and Vacating Stay entered on 11/21/2022)

3. Objection filed by Americredit (Morton) - creditor wants interest of 8.25% on $14,233.04 over the life of the plan. (RESOLVED BY ORDER 12/30/2022 - DEBTOR TO PAY $17,418.04 THROUGH THE PLAN AND ADEQUATE PROTECTION PAYMENTS OF $290 BEGINNIN 10/2022)

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A Modified Plan that removes Americredit from Part 4b or amend Sch J to remove car
payment (SCHEDULE J AMENDED)

RESOLVED ISSUES:
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)
- Confirming Order must include all non-exempt proceeds from personal injury claim. (LANGUAGE ADDED)
- Need copy of divorce settlement and copy of Deed transfer to ex -husband. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)
- Need to resolve objection by Wells Fargo. (RESOLVED)

Plan proposes: $300 x 60 beginning 10/1/2022, base
Payments: 4/4
Matter ResolvedRequest
Adjourment		2241/25/2023 10:00 am22-17580 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 4 required payments   Arrears: $0  

AS OF 1/18/23 (SF)

RECOMMEND $2212 PTD, $1074 X 44 (BEGIN 2/1/23) 100% PLAN W/MIN $33,904 TO GUCS PER N/E IN REAL ESTATE AND PERSONAL PROPERTY
- FILE PRE-CONFIMATION CERT WITHIIN 10 DAYS
- TRUSTEE STANDARD ORDER OF DISTRIBUTION



1. Trustee objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Auto
insurance $300 (verifies $218)
- VERIFIED MONTHLY DISPOSABLE INCOME IS CALCULATED AT $3,048 (RECOMMEND 48 MONTH PLAN)
- There is non-exempt equity in real property $27,636.58, $4,273 in 2011 Chevy Camaro and
$1,993.72 in bank accts.. Plan pays 100%.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution
- Must file Pre-confirmation certificate.



Plan proposes $553 x 60 100% Plan
Payments: 4/4


RESOLVED ISSUES:
1. Objection filed by Wells Fargo (Powers, Kirn) - failure to pay arrears of $2977.64 (RESOLVED VIA ORDER. PAY ARREARS)
Matter ResolvedRequest
Adjourment		2251/25/2023 10:00 am22-17601 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  

As of 1/23/23(mk):

**CAN REC CONFIRM AT $340 x 60 Begin 10/1/22, Base,
Ally bifurcated #17-1 to pay arrears of $1,949.81 through the plan and no pay on secured and unsecured parts of the claim**


1. Ally Cap has filed a Bifurcated claim(17-1). Plan has cure arrears


2..Trustee Objection:
-Verified income leaves moly dispos. income $1,738.68(income form job verified 400 more than scheduled taking the YTD net /8) bonus was larges this year( mk: resolved- updated POI provided . dispos income no longer an issue)
- Schedules fail to account for tax refund of $3,292.00


Plan:$340 X 60 BEG 10/2022; BASE
4/4 payments
Matter ResolvedRequest
Adjourment		2261/25/2023 10:00 am22-17635 / MBKRobert Manchel, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 2 of 4 required payments   Arrears: $1,220.00  
1/19/23 : Filing MP to cure arrears in #2. Atty does not agree with our valuation. PER ATTY MARK AS WITHDRAWM AMD MP IN 14 DAYS
(mk: i set reminder for MP time frame)

1/19/23(mk):

2/4 payments Arrears $1,220. NEEDS TO RESOLVE #1 & #2 BELOW. Plan has to be 100%.

1.obj by Consumer portfolio(2014 VW(BernsteinBerkley. Objects to plan value and payment-plan proposes to cram


2. Objection by US Bank( Friedman V):
plan fails to pay full claim( plan has LM and no pay arrears pending)

NOTE: Order granting Loss mit entered 1/11/23

-----------
3.Trustee Objection: PLAN HAS TO BE 100% .GUC CLAIMS $ 22,703.49.AND T/H EQUITY IS $29481
- PLAN HAS AP PAYMENTS TO CONSUMER PORTFOLIO TO BE PAID BT THE TRUSTEE PRE CONF- NEED ORDER FOR THIS( sent email to atty on 11/14 asking about this- if yes then tell claims to set up ,if no then strike it)- ANSWER IS STRIKE IT
- fails to pay dispo income into plan:
-pension income verified significantly higher
than the scheduled amount per proof
provided, disposable net income $3,182.81 - (per atty fed taxes 1,099.00 moly are deducted form the debtros pension- says uploaded proof of that
may need to be a 100% plan
--there is $29,481.36 non-exempt equity in(GUC CLAIM TOTAL IS $ 22,703.49- MUST BE 100%
debtor's home, must pay minimum
$29,481.36 dividend to general unsecured
creditors - may need to be a 100% plan

Plan:$610 X 36 BEG 10/2022; LM BY 3/31/2023 (81 CLEVELAND AV); BASE
Bar date 12/6/22
Payments: 2/4 Arrears: $1,220
Matter ResolvedRequest
Adjourment		2271/25/2023 10:00 am22-17652 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 3 of 4 required payments   Arrears: $1,320.00  
MP FOR MP IN 21 DAYS PER AR

As of 1/19/23 (DS): 1. MFR filed by Rushmore sched 1/25/23, no post-pet payments made since 10/1/22. Need outcome. GRANTED

2. Trustee obj to the following:
- Need 2 months income for new job at Pepsi.
- Must amend Sched B to add potential lawsuit for a recent car accident.
- Must resolve creditor objection.

3. Rushmore (PLUESE, BECKER & SALTZMAN) obj to previous filings and sale of property is less than mortgage claim.

4. No claim filed by Twp of Woodbridge, bar date has passed. Recommend this be stricken and not paid.

5. Exeter filed arrears claim $567.50. Trustee ok to pay?

Prop Plan $1,322 x 60 begin 10/1/22; Base and Sale on E. New St 6 months after conf
Note: Timeshare is already surrendered in plan, no mod plan needed.
Matter ResolvedRequest
Adjourment		2281/25/2023 10:00 am22-17669 / MBKMarcia Y. Phillips, Esq.Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 1/18/2023 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT 341 CAN BE HELD ON 2/9/2023.

1. 341 has been scheduled for 2/9/2023.
2. Payments: 4/4
Matter ResolvedRequest
Adjourment		2291/25/2023 10:00 am22-17761 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  

1/27/23 (sf) Minutes on docket are incorrect. Sent email to court to fix it.

AS OF 1/25/23 (SF) UPDATED - Atty agrees to terms

RECOMMEND $2,600 PTD, $750 X 14 (BEGIN 2/1/23; $1150 X 20 (BEGIN 4/1/24); $1,400 X 22 (BEGIN 12/1/25) BASE PLAN
- MUST FILE FEE APPLICATION OF HOURLY FEES OF $6,600 WITHIN 7 DAYS OF ENTERED CONF ORDER
- FILE PRE-CONFIRMATION CERT WITHIN 10 DAYS



1. Need copy of statements for 2 40lk loans (JUST RECEIVED)

2. Trustee objection:
- The debtor has failed to supply the Trustee with the following document (s):
auto renewal needed, policy expires 7/12/2022
- -income and bonus verified higher than scheduled, disposable income $1,042.68
(AFTER RECALCULATION OF BONUSE DISPOSABLE INCOME IS $801.85 AND WILL INCREASE TO $1206 AFTER FIRST 401K LOAN EXPIRES AND THEN WILL INCREASE TO $1477 AFTER 2ND LOAN EXPIRES (CONF NUMBERS ARE A COMPROMISE)

-atty needs fee application for fees to be paid through plan (hourly fees) (Attorney advised that fees should be $6600, not $5500)
-need to file Pre Confirmation Certification with Court


Plan proposes $650 x 18, $1050 x 20 $1320 x 22 Base
Payments: 4/4

RESOLVED:

-Form 122c-2 Line 43 has deduction "adjusted for yearly bonus (deduct half of bonus avg
over 6 months), what is the reason for the reduction? The debtor received a bonus in the
amount of $28,689.84 - deductions of $11,587.64 and received net of $17,102.20. Without
this deduction there is $847.14 monthly disposable income on line 45 which would
require minimum $50,828.40 dividend to general unsecured creditors. (MOOT, BONUS WAS RECEIVED OUTSIDE OF 6 MONTH PERIOD)
Matter ResolvedRequest
Adjourment		2301/25/2023 10:00 am22-17864 / MBKWARREN LEVY, ESQ.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 1/18/2023 (at): Atty ok with terms.

RECOMMEND: $9,924 PAID TO DATE, $4,624 x 57 BEGINNING 2/1/2023, 100% PLAN


RESOLVED ISSUES:
Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A Modified Plan that removes attorney fees to be paid $2,650 or amended attorney disclosure that marks off attorney fees will be paid. (AMENDED DISCLOSURE FILED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Cell $247.82 and internet/cable $235.
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- 22c has disposable income $4,733.93 and would require minimum dividend $284,035. The plan must remain at 100% to creditors.
- Proof of income verifies higher. There is disposable income $5,372.97 monthly. The plan length should be shortened.
- Must file Pre-confirmation certificate. (FILED)

Plan proposes: $3,308 x 60 beginning 11/1/2022, 100% to unsecured creditors
Payments: 3/3
Matter ResolvedRequest
Adjourment		3111/25/2023 10:00 am22-17917 / MBKMichael Khalil, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  

updated 1/23/2023 (JMA)
ISSUES AS OF 1/20/2023 (JMA):

to resolve Trustee objection and pay higher mortgage claim, need to confirm at $5,100 paid to date, $1,700x40 begin 2/1/2023 and a lump sum payment of $38,700 to be paid within 20 days of confirmation of the plan 100% plan

1) Plan provides $67,337 treatment to New Rez/Wells Fargo - creditor filed $82,126.42 arrears claim (OKAY TO PAY HIGHER CLAIM -YES)

2) Trustee OBJ:
- Disposable income verifies at $2,600 per month - disposable income per schedules is $3,031 per month and debtor is only proposing a $1,700 payment. 100% PLAN
- Per Form 22C, monthly disposable income is $2,844 which requires a $170,640 minimum dividend to general unsecured creditors.
- There are $34,778 non-exempt funds in bank accounts.
- Need to file Pre-Confirmation Certification NOT FILED TO DATE

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need DSO information (RECEIVED).
- Need statements for two Fidelity loans on debtor's pay stub (RECEIVED - LOAN #1 ENDS 1/16/24 AND LOAN #2 ENDS 2/16/26).
- The Plan needs to run 60 months pursuant to B22C form (PLAN IS 60 MONTHS - THERE IS A LUMP SUM PAYMENT IN MONTH 60).


Prop. Plan $1,700 x 59, $38,700 x 1, Base
paid in $5,100
last claim 9
Matter ResolvedRequest
Adjourment		2321/25/2023 10:00 am22-17922 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 3 required payments   Arrears: $0  

AS OF 1/25/2023 (at):

ATTORNEY AGREES TO TERMS...

RECOMMEND: $300 PAID TO DATE, $175 X 57 BEGINNING 2/1/2023, BASE
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
- Need to file Pre-Confirmation Certification within 7 days of confirmation.


1. Skyone FCU filed a secured arrears claim #2 for a 2015 Kia in the amount of $518.50 which is not in the plan. Is it ok to pay this claim? (PER ATTY, OK TO PAY)

2. Skyone FCU filed a secured arrears claim #3 for a 2016 Nissan the amount of $204.01 which is not in the plan. Is it ok to pay this claim? (PER ATTY, OK TO PAY)

3. Trustee's objection:
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $3,150/month for rent (RECEIVED PROOF OF $3106/MONTH RENT)
- $206 and $300 car payments - can only have one car payment (PAYS FOR DAUGHTER'S CAR - COLLEGE STUDENT)
Need proof of excessive expenses 10 days prior to confirmation.
- The Plan needs to run 60 months pursuant to the B22C form.
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need a statement for the TPAF loan. (RECEIVED - DEBTOR TOOK OUT A $50,000 PENSION LOAN ONE MONTH PRIOR TO FILING - WHERE IS THIS MONEY?)
- Confirming order must provide for all non-exempt proceeds from claim against
PALISDALE LEGAL GROUP, PLLC & THE VERITAS LEGAL PLAN, INC.
- Need Certification regarding pension loan taken prior to filing and what the proceeds
were used for. (RECEIVED - OK)

RESOLVED ISSUES:
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - Need October pay stubs. Only received September and debtor is a teacher. (RECEIVED)

Plan proposes: $100 x 36 beginning 11/1/2022, base
Payments: 3/3
Matter ResolvedRequest
Adjourment		2331/25/2023 10:00 am22-18005 / MBKBruce C. Truesdale, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  

AR HELD FOR FEASIBILTY ISSUE TR WILL AGREE TO CONFIRM WITH EWAGE DEDUCTION TO RESOLVE FEASIBILTY AND ASSURE TR PAYMENTS - ATTY WANTS TO HOLD FOR JUDGE

If paying those claims the payment going forward needs:

***$5475 paid to date then $1900 x 57 beginning 2/1/23-pro rata -trustee to pay mortgage arrearage claim---trustee to pay the arrearage claims of The Huntington National Bank and Ally Bank---loan modification outside of the plan--TFS auto payment setup within 7 days

(loan mod not in plan-will pay arrears and try to get lm)

As of 1/19/23 (DS): 1. Arrears claim filed by The Huntington for 2017 Dodge, not in plan $503.60. Sched B has that car is in daughter's name. Claim must be resolved.

2. Ally Capital filed arrears claim, plan has as outside. Trustee ok to pay arrears $260.33?

3. BELOW ISSUES REMAIN UNRESOLVED.

As of 12/12/22 (DS): Debtor attorney requested adjournment to resolve objection and allow creditor to file POC.

As of 12/8/22 (DS): 1. Trustee objects that Debtor has insufficient income. Income verifies $1,013.37, Plan proposes $1,825.

2. NewRez/Shellpoint (PINCUS LAW GRP) obj to arrears more, POC filed.

3. Order for notice of request for loss mit granted 11/29/22 and allows 90 days from date of entry or terminate, but Plan does not propose loan mod, plan propose to pay arrears.

Prop Plan $1,825 x 60 begin 11/1/22; Base
Note: Updated homeowner insurance provided.
Matter ResolvedRequest
Adjourment		2341/25/2023 10:00 am22-18163 / MBKBrad J. Sadek, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  

As of 1/20/23 (DS): Ok to confirm at $483 paid, $174 x 33 begin 2/1/23; Base

Prop Plan $161 x 36 begin 11/1/22; Base
Note: Email from atty to not pay LL unsecured claim.
Matter ResolvedRequest
Adjourment		2351/25/2023 10:00 am22-18182 / MBKKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
2/22/2023 10:00 am		Debtor has made 2 of 3 required payments   Arrears: $425.00  
AS OF 1/11/2023 (at):

1. The IRS filed a priority claim #2 in the amount of $4,118.05 which is not in the plan.

2. US Bank filed a secured arrears claim #6 in the amount of $88,057.68 which is not listed in the plan.

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- need statements for Staten Island Credit Union account (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):
- also calculated income using paystubs from June 2022 through September 2022 the total net income is $7,496 which is higher than the scheduled amount of $4,903.
The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- Non-Exempt Equity: 2019 Jeep Grand Cherokee $22,575; 2018 Honda Odyssey $9,497; Furniture $7,274.50 for total non-exempt equity of $39,346 - may need to be a 100% plan.
- Debtor has multiple loans deducted from pay - NYCERS loan, 457 Loan repayment and
401k loan repayment. Need statements for all loans showing balance remaining and date
paid in full.
- Santander acct ending #0965 as of 9/30/2022 shows balance of $2,788, not $389.13 per filed Schedule A/B. Need to amend Schedules A/B and C. (NOT AMENDED)
- As debtors income verified higher than Scheduled, Form 122c should be amended as
the verified net income is higher than the gross income reported on the Form 122c.

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification.
(FILED)
- Need to provide auto insurance renewal (policy provided expired 3/29/2022). (RECEIVED)
- A copy of the last filed tax return - 2021 (RECEIVED)

Plan proposes: $425 x 60 beginning 11/1/2022, base
Payments: 2/3, arrears $425
Matter ResolvedRequest
Adjourment		2361/25/2023 10:00 am22-18187 / MBKADAM SCHNEIDER, ESQConfirmation Hearing ScheduledContinued
3/22/2023 10:00 am		Debtor has made 3 of 3 required payments   Arrears: $84.00  
AS OF 1/18/23 (SF)

1. Objection filed by Specialized Loan Servicing (Stewart) - failure to pay arrears of $86,812.10

2. Carvana/Bridgecrest filed arrears claim 6-1 for $1189 (OK TO PAY?)

3. Trustee objection:
- The debtor has failed to file a feasible plan - trustee payment is insufficient to cure
mortgage arrears.
- A Modified Plan that increases trustee payment in December, 2024 when pension
loan is paid off.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$700/month car payment
- Verified income leaves monthly disposable income of $1,728.93. (100% plan )
- Need to file Pre-Confirmation Certification.
- Need to amend Statement of Financial Affairs to list attorney 's fees paid

Note: Copy of Will provided. Debtor inherited residence and has 50% interest with sister. There is n/e equity of $83,112.28 in real estate.

Debtor is above median.


Plan proposes $1142 x 60 100%
Payments: 1/1

RESOLVED ISSUES:
- The Plan fails to provide for a prompt cure of rental arrears. (MOOT, MP REMOVES ARREARS)
- trustee payment is insufficient to cure
mortgage and rental arrears. (MP FILED TO REMOVE RENTAL ARREARS)
-Need a statement for the debtor's pension loan.
Matter ResolvedRequest
Adjourment		2371/25/2023 10:00 am22-18188 / MBKEdward Nathan VaismanConfirmation Hearing ScheduledContinued
2/22/2023 10:00 am		Debtor has made 4 of 3 required payments   Arrears: $0  

AS OF 1/18/2023 (at):

1. Objection filed by Nationstar Mortgage (Robertson Anschutz) - failure to cure arrears of $1,623.66. (Per POC) (UNRESOLVED)

2. The attorney's fees in the plan ($0) and the disclosure statement ($1,500) do not agree. One of these must be amended.

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Need a statement for the Acorn account. (NOT RECEIVED)
The debtor has undertaken an improper use of exemption. Specifically:
- Debtors exceeded the D5 exemption by $18,100.
The debtor(s) plan consists of unnecessary or excessive expense items, such as: -
$1,500/month for entertainment,
- $227.95/month for dog expenses,
- $240/month for house cleaning,
- $120/month for landscaping,
- $435/month for college tuition,
- Need proof of excessive expenses 10 days prior to confirmation (100% Plan).
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income results in $2,719 monthly disposable income (100% Plan).
- Per the 22C, monthly disposable is $4,089 which requires a minimum dividend of $245,340 to general unsecured creditors (100% Plan).

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 $47,734 non-exempt equity in the residence (100% Plan). (LANGUAGE ADDED)
- There is $18,100 non-exempt equity in debtors' personal property (100% Plan). (LANGUAGE ADDED)

Plan proposes: $1,115 x 60 beginning 11/1/2022, 100% to unsecured creditors
Payments: 3/3
Matter ResolvedRequest
Adjourment		2381/25/2023 10:00 am22-18198 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 1/19/2023 (at):

RECOMMEND: $750 PAID TO DATE, $393 x 45 BEGINNING 2/1/2023, BASE
Need to file Pre-Confirmation Certification within 7 days of confirmation.


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):
- excessive expenses on Schedule J - miscellaneous expense $250/month, $750/spouse support animal, $425/debt payment for non-debtor spouse, need supporting documentation of this expense; $1,050/food 2 people
- Form 122c-2 #17 $1,939 involuntary deductions, paystub does not show retirement
contributions, union dues or uniform costs, need supporting documentation for this
deduction (NOT RECEIVED)
- Form 122c-2 Part 2 #13 lists Debts and Support Animal $684 (Schedule J this is a total of $1,175). Should be the same amount. (NOT RECEIVED)
- Form 122c-2 #22 $300 additional healthcare expenses, need supporting documentation of
this monthly expense; #23 optional telephone & services $100 allowed $50 (NOT RECEIVED)
- Need to provide bank statements of accounts ending #743 and#830 - not provided. The
debtor's paystubs show that deposits of portions of pay were put into these two accounts along with #139(only statements provided were for this account). (NOT RECEIVED)
-need to file Pre-Confirmation Certification with Court (NOT FILED)

Plan proposes: $250 x 60 beginning 11/1/2022, base
Payments: 3/3
Matter ResolvedRequest
Adjourment		2391/25/2023 10:00 am22-18221 / MBKBrad J. Sadek, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  

As of 1/20/23 (DS): Ok to confirm at $4,680 paid, $1,503 x 57 begin 2/1/23;100% with a minimum of $55,946.89 to gucs, due to non-exempt equity;
- Trustee ok to pay the arrears claim#8-2 of CPS.
- Within 7 days must file Pre-confirmation certificate.

1. Trustee obj to the following:
- 22C monthly disposable income is $3,984 which requires min. div. $239,040 to gucs. CASE CAN BE WORKED UP 100% PENDING CASH APP STATEMENT.
- Verified income leaves monthly disposable income of $4,041.
- There is $31,790 in non-exempt equity in Santander bank accounts, real property $24,006.89 (claim filed lesser balance, total amount $55,796.89 and Cash App $150 total $55,946.89.
- Must file Pre-confirmation certificate.

2. CPS filed arrears claim $415.67. Per atty ok to pay arrears.

Prop Plan $1,503 x 60 begin 11/1/22; Base
Matter ResolvedRequest
Adjourment		2401/25/2023 10:00 am22-18292 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
2/22/2023 10:00 am		Debtor has made 4 of 3 required payments   Arrears: $0  

AS OF 1/18/2023 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- 401 (k) loan balance statement prior to filing date. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Tele/Cell/Internet $414 and Transportation $520 with fuel on P &L $216 total fuel would be
$736 monthly.
- The current Plan does not specify treatment of Wells Fargo/Bobs Discount Furniture
bifurcated claim under the Plan. (UNRESOLVED)
- According to P&L provided as income, there is monthly disposable income $32.55, not
$430. How was this business income calculated?

RESOLVED ISSUES:
- Business forms - for debtor's business. (RECEIVED)
- Must file Pre-confirmation certificate. (FILED)
- Updated auto insurance, insurance expires 12/24/22 (RECEIVED)

Plan proposes: $350 x 60 beginning 11/1/2022, base
Payments: 3/3
Matter ResolvedRequest
Adjourment		2411/25/2023 10:00 am22-18296 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 1/18/2023 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Business forms (NOT RECEIVED)
- Need September and October bank statements for non filing spouse. (per his direct deposits) (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$200/month for a home office
$400/month for utilities on J and $20/month on P&L
$200/month for cable/internet on J and $80/month on P &L
$708/month for car insurance on J and $329/month on P &L (no vehicles listed on petition)
$700/year for property taxes on P&L - loan is escrowed for taxes
$650/month for transportation on J and $520/month on P &L
Need explanation/proof of excessive expenses 10 days prior to confirmation.
- there is only $359 net income (does not match Schedule I amount of $2,425
- excessive expenses on Schedule J $708/car insurance need to provide statement and
proof of coverage; $300/miscellaneous expenses; $1,725 non debtor spouse debt
expenses, need to provide a full accounting to Trustee; $150/estimated taxes, are they
being paid monthly?
-Need explanation of debtor income of $2,425.00 on schedule I when P &L shows monthly income of $359.
- Need a statement for the spouse's 401k loan. (NOT RECEIVED)
-NY Community Bank #6533 end balance as of 9/26/2022 $958.21 - Schedule A/B lists $500, need to amend Schedules A/B and C (NOT AMENDED)
-NY Community Bank #2730 end balance as of 9/16/2022 $103.79 - Schedule A/B does not list this account (NOT AMENDED)
-Schedule - A/B lists "account in Trust for son (not part of Debtor Estate), need to provide statement for Trustee to determine ownership of the account (NOT RECEIVED)

RESOLVED ISSUES:
- distribution is per plan. (LANGUAGE ADDED)
- must file pre conf cert. (FILED)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- AS of now, there is $7,049.00
Matter ResolvedRequest
Adjourment		2421/25/2023 10:00 am22-18300 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 3 required payments   Arrears: $0  

As of 1/23/23 (DS): Ok to confirm at $250 x 31 begin 11/1/22; $1,050 x 29 begin 6/1/25; Base with a minimum dividend $7,201.52, due to non-exempt equity;
- Trustee ok to pay the arrears claim of Caliber Home#5-1, Wells Fargo #9-1 and Toyota Lease #14-1.
- Section 4(g) to be stricken and East Brunswick is not to be paid.
- Fee app within 10 days.

1. State of NJ filed estimated tax claim, 2019 tax return not filed. Must resolve claim. CLAIM AMENDED.

2. Caliber filed arrears claim $269.95. Trustee ok to pay? PER ATTY OK TO PAY ARREARS.

3. Toyota lease filed arrears claim $538.98. Trustee ok to pay? PER ATTY OK TO PAY ARREARS.

4. East Brunswick filed unsecured claim, plan has to pay. PER ATTY OK TO STRIKE SECTION 4(G) AND NOT PAY. CLAIM FILED AS UNSECURED.

5. There is non-exempt equity in real property $7,201.52.

As of 12/12/22 (DS): Debtor attorney requested adjournment to pass bar date.

12/14/22 (DS): 1. Trustee obj to the following:
- There is non-exempt equity in real property $7,725.70, no State of NJ tax claim or real property tax claims filed. Recommend waiting pass bar date 12/28/22 to determine non-exempt equity.

2. Wells Fargo (BROCK & SCOTT) obj to arrears owed, POC filed arrears $673.27. C/O ENTERED TO PAY ARREARS 12/22/22.

Prop Plan $250 x 31 begin 11/1/22; $1,050 x 29 begin 6/1/25; Base
Note: Disposable income is fine, since plan is proposing a step up plan, due to pension loan ending. State of NJ estimated claim amended and no longer estimated.
Matter ResolvedRequest
Adjourment		2431/25/2023 10:00 am22-18302 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledContinued
3/22/2023 10:00 am		Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 1/24/23 (SF) UPDATED

1. Ally Bank filed arrears claim 3-1 for $561.75 (OK TO PAY)

2. Trustee objection

- disposable income on Schedules I and J verify higher at $1116.90

- Need 2nd mortgage balance statement prior to filing. (No claim filed)

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Electricity $500, Auto insurance $667

- The current Plan does not specify treatment of IRS claim $3,406.56 under the Plan. OK TO PAY

- The debtor has failed to provide proof of service with respect to Plan Motion (s). (STILL NEED)

- Add to confirming order non-exempt proceeds from sale to Trustee, if any.

- Must file Pre-confirmation certificate.

- trustee to receive all non-exempt proceeds from the sale of the home.

Plan proposes $250 x 36 Base, Sale in 6 months
Payments: 3/3

RESOLVED ISSUES:
- Need proof of auto insurance and home insurance with personal liability coverage
- Need sale date? 6/15/23
- Objection filed by Shellpoint Mortgage/Bank of NY (Stewart) - failure to include correct arrearage amount of $165,788.72 in plan (PAY AT SALE) (RESOLVED VIA CONSENT ORDER)


Matter ResolvedRequest
Adjourment		2441/25/2023 10:00 am22-18426 / MBKJOSEPH J MANIA III ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  

updated 1/23/2023 (JMA)

ok to confirm at $943 paid to date, $471x57 begin 2/1/2023 with loan mod by 5/20/2023 100% plan
-plan will follow Trustee standard order of distribution


issues as of 1/19/2023 (JMA)

1) Trustee objection to confirmation - need to resolve
- Need September and October bank statements for PNC account. RESOLVED, STATEMENTS PROVIDED
- Need to file Pre-Confirmation Certification. RESOLVED, FILED
- The attorney's fees in the plan and disclosure statement do not agree. One of them must be amended. RESOLVED, AMENDED DISCLOSURE FILED
- Add to terms Trustee standard order of distribution.
2) Is the loan mod completion date 5/2023? The plan has 5/2020.
3) The Town of Phillpsburg has not filed a claim to date

proposed plan $321.13x60 begin 11/2022 with loan mod by 5/20/2020 100% plan
paid in $984
last claim 7
Matter ResolvedRequest
Adjourment		2451/25/2023 10:00 am22-18729 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 2 required payments   Arrears: $0  

as of 1/23/2023 (JMA)

to resolve Trustee objection ok to confirm at $4,030 paid to date, $2,015x34 begin 2/1/2022 100% plan
-IRS priority claim #6 $1,419.51 to be paid through plan per debtor's attorney
-TD Retail Card secured/unsecured claim #9 to pay both through plan per debtor's attorney

issues as of 1/19/2023 (JMA)

1) Trustee objection to confirmation - need to resolve
- A current market analysis - with comparables that closed within the last 6 months from filing date. NOT PROVIDED TO DATE
- Balance of pension loan prior to filing date. PROVIDED STATEMENT DATED 9/30/2022 SHOWING 11 BIWEEKLY PAYMENTS REMAIN, SHOULD BE PAID IN MARCH 2023.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): 22C has disposable income is $2,800 which would require minimum dividend of $168,000 to gucs (100% Plan).
- The current Plan does not specify treatment of IRS Tax claim of $1,419.51 under the Plan. NEED TO ADDRESS CLAIM
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is estimated to be non-exempt equity in real property pending updated CMA (100% Plan).
- Must file Pre-Confirmation Certification.
2) IRS filed priority claim 6 in the amount of $1,419.51 - not treated in plan, need to resolve TO BE PAID PER ATTY
3) TD Retail Card Services filed bifurcated claim 9 in the amount of $873 secured and $3,216.55 unsecured. This claim is not listed on Schedules and not treated in plan. need to resolve. BOTH SECURED AND UNSECURED CLAIM TO BE PAID PER ATTY

proposed plan $2015x60 100% plan
paid in $4,030
last claim 16
Matter ResolvedRequest
Adjourment		2461/25/2023 10:00 am22-18775 / MBKJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 3 of 2 required payments   Arrears: $0  

As of 1/19/23 (DS): Debtor atty requested adjournment due to schedule conflict

FYI CO submitted 1/18/23 resolving Obj by Freedom Mtg - Pay POC #6 arrears $1,881.90
Matter ResolvedRequest
Adjourment		2471/25/2023 10:00 am22-18866 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
3/22/2023 10:00 am		Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 1/20/23 (SF)

1. Objection filed by New Rez LLC/Shellpoint - If loan mod is not successful, plan should be modified to conform to creditor's proof of claim to reflect the ongoing total arrearage and ongoing maintenance payments

2. Motion to approve loss mit scheduled for 2/8/23 at 9.

3. TTBL, LLC did not file a claim. (SHOULD THIS CLAIM BE STRICKEN FROM PLAN?)

4. Trustee objection:
- Updated auto insurance, if not confirmed by 1/25/23 (insurance expires 1/25/23).
- The Schedules fail to account for the debtor(s) tax refund in the amount of $7,334 when determining disposable income.


Plan proposes $400 x 36 Base, Loan Mod by 7/1/23
Payments: 2/2

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

Matter ResolvedRequest
Adjourment		2481/25/2023 10:00 am22-19045 / MBKPaul H. Young, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 2 of 2 required payments   Arrears: $0  

MP filed 1/23/23

--------------
AS of 1/18/23(mk):

Plan is 100% and Bar date is 1/23/23

1. Objection By PHH/US Bank(RAS):
LM speculative. Plan does not pay arrears pending LM

2. Westlake Financial in plan as unaffected- they filed a claim for arrears at #3-1 ($322.31)and a duplicate claim at #4-1

3. Trustee Objection:
- insufficient income- monthly disposable income-$151.78.
-need income contribution affidavit
There is $79,179.55 in non exempt equity in the residence. (100% plan )
- pre conf cert


Plan:$300 X 60 B. StD. Loans outside 12/2022; LM BY 3/1/2023; 100%
2/2 payments
Matter ResolvedRequest
Adjourment		2491/25/2023 10:00 am22-19050 / MBKWARREN LEVY, ESQ.Confirmation Hearing ScheduledContinued
3/22/2023 10:00 am		Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 1/24/2023 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT THE 341 CAN BE HELD ON 2/16/2023.

1. 341 is scheduled for 2/16/2023.
2. Payments: 2/2
3. Stay motion by mortgage company is scheduled for 2/8/2023.
Matter ResolvedRequest
Adjourment		2501/25/2023 10:00 am22-19063 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
3/22/2023 10:00 am		Debtor has made 0 of 2 required payments   Arrears: $1,000.00  
issues as of 1/19/2023 (JMA)

1) Citibank(Frenkel Lambert) objection to confirmation - need to resolve
- estimated arrears $192,540.57
2) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income ; income verifies $ -682.19.
- The debtor has failed to supply the Trustee with the following document (s):A copy of the homeowner's insurance renewal declaration - with personal liability coverage for David Drive.
- Property settlement agreement and judgment of divorce
- A Modified Plan that only propose a loan mod or a sale, not both.
- Amendments to Schedules B to add Ocean First bank acct#4404 and to 122c to remove spouse deduction.
- 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 may be non-exempt equity in real property pending all claims filed.
- must file Pre-Confirmation Certification
3) Motion for approval to participate in the Court's Loss Mitigation Program scheduled to be heard 2/8/2023 - need outcome
4) Debtor has not made Trustee plan payments to date, arrears $1,000
5) Barnegat Township filed secured claim #9 in the amount of $569.54 for water/sewer - not treated in plan

proposed plan $500x60 base plan with sale on or by 12/1/2023 or loan modification by 7/1/2023
paid in $0
arrears $1,000
last claim 9



Matter ResolvedRequest
Adjourment		2511/25/2023 10:00 am22-19107 / MBKBrad J. Sadek, Esq.Confirmation Hearing ScheduledContinued
2/22/2023 10:00 am		Debtor has made 2 of 2 required payments   Arrears: $0  

As of 1/17/23 (DS): Debtor attorney requested adjournment, 341 sched 2/2/23
Matter ResolvedRequest
Adjourment		2521/25/2023 10:00 am22-19122 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledContinued
2/22/2023 10:00 am		Debtor has made 0 of 2 required payments   Arrears: $498.00  
AS OF 1/24/2023 (at):

MOTION TO CONVERT TO A CHAPTER 7 IS SCHEDULED FOR 2/22/2023.

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $498
Matter ResolvedRequest
Adjourment		2531/25/2023 10:00 am22-19153 / MBKHerbert B. Raymond, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 1 of 2 required payments   Arrears: $0  

1/23/23 - Per atty, ok to dismiss/hold fees.
Matter ResolvedRequest
Adjourment		2541/25/2023 10:00 am22-19205 / MBKEdward Nathan VaismanConfirmation Hearing ScheduledContinued
3/22/2023 10:00 am		Debtor has made 19 of 2 required payments   Arrears: $0  

1/25/2023 - atty wants adjournment to work out consent order with creditor and amendments to the petition and plan
issues as of 1/19/2023 (jma)

1) Cenlar FSB/Citimortgage (Stern Lavinthal) objection to confirmation - need to resolve
- adequate protection payments are lower than the monthly payment amount
- plan is not feasible
2) IRS filed priority claim #1 in the amount of $8,427.09, not in plan - need to resolve
2) Trustee objection to confirmation - need to resolve
- Updated auto insurance if not confirmed by 1/25/23, insurance expires 2/13/23.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Schedule J list adequate protection payments $1,333, which would be incorrect, as Trustee would need to determine the disposable income. Disposable income deducting this expense would be $2,098.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $909 when determining disposable income.
- The current Plan does not specify treatment of Credit Acceptance under the Plan.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is $63,597 non-exempt equity in real property.
- Need 2 months (Oct & Nov) bank statements from all accts prior to filing date. Bank statements provided are up to August
- Need consent order with Cenlar to address Adequate Protection payments to be made by the Trustee.
- Must file Pre-confirmation certificate.

proposed plan $105x60 begin 12/1/2022 base plan
paid in $2876
last claim 1
Matter ResolvedRequest
Adjourment		2551/25/2023 10:00 am22-19206 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
2/22/2023 10:00 am		Debtor has made 2 of 2 required payments   Arrears: $0  

AS of 1/13/23(mk):

Plan is 100%. Should be adjourned to after Bar date of 1/27/23


1. Trustee Objection:
There is $61,686.00 in non-exempt equity in the residence. 100% plan.


Plan:$725 X 60 BEG 12/2022; 100%
1/2 payments
Matter ResolvedRequest
Adjourment		2561/25/2023 10:00 am22-19219 / MBKWARREN LEVY, ESQ.Confirmation Hearing ScheduledContinued
2/22/2023 10:00 am		Debtor has made 2 of 2 required payments   Arrears: $0  

issues as of 1/18/2023 (JMA)

1) 341 hearing not held, not rescheduled
2) Still need mortgage statement
3) Current with Trustee plan payment
Matter ResolvedRequest
Adjourment		2571/25/2023 10:00 am22-19267 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
3/22/2023 10:00 am		Debtor has made 1 of 2 required payments   Arrears: $400.00  
AS OF 1/25/2023 (at):

NEED TO ADJOURN THIS HEARING SO THAT 341 CAN BE HELD.

1. 341 has been scheduled for 2/16/2023.
2. Payments: 1/2, arrears $750
Matter ResolvedRequest
Adjourment		2581/25/2023 10:00 am22-19290 / MBKMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledContinued
2/22/2023 10:00 am		Debtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment		2591/25/2023 10:00 am22-19314 / MBKDonald C. Goins, Esq.Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 3 of 2 required payments   Arrears: $0  

As of 1/23/23 (DS): Debtor atty requested adjournment 341 sched 2/9/23 and payment made
Matter ResolvedRequest
Adjourment		2601/25/2023 10:00 am22-19326 / MBKKevin C. Fayette, EsqConfirmation Hearing ScheduledContinued
3/22/2023 10:00 am		Debtor has made 0 of 2 required payments   Arrears: $1,680.00  
As of 1/18/23 (DS): 1. Debtor in arrears $1,680, no payments made out of 2. Debtor needs to get current to work up recommendation.

Prop Plan $840 x 36 begin 12/1/22; Base
Matter ResolvedRequest
Adjourment		2611/25/2023 10:00 am22-19328 / MBKKevin C. Fayette, EsqConfirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 1/19/23 (SF)

There are no claims filed yet. Bar date is 2/1/23.


Plan proposes $890 x 60 Base
Payments: 2/2
Matter ResolvedRequest
Adjourment		2621/25/2023 10:00 am22-19346 / MBKRobert Manchel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 1/17/2023 (at):

RECOMMEND: $1,548 PAID TO DATE, $813 x 58 BEGINNING 2/1/2023, BASE WITH A MINIMUM OF $39,074.00 DUE TO NON EXEMPT EQUITY
All non-exempt proceeds from CPAP class action lawsuit are to be turned over to the trustee.
Need to file Pre-Confirmation Certification within 10 days of confirmation.

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 $38,007.82 in non-exempt equity in the residence. (LANGUAGE ADDED)
- There is $1,066.50 in non-exempt equity in the PNC account. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Confirming order should provide for all non-exempt proceeds from CPAP class action
lawsuit. (LANGUAGE ADDED)

Plan proposes: $774 x 60 beginning 12/1/2022, base
Payments: 2/2
Matter ResolvedRequest
Adjourment		2631/25/2023 10:00 am22-19624 / MBKVera Fedoroff, Esq.Confirmation Hearing ScheduledContinued
2/8/2023 10:00 am		Debtor has made 1 of 1 required payments   Arrears: $0  

issues as of 1/19/2023 (JMA)

1) 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): Verified income leaves monthly disposable income of $3,136.90.
- Reviewed the 22C, monthly gross income is $13,519.44 (per gross income on November pay stubs). Per the 22C, monthly disposable income is $3,927 which requires a minimum dividend of $235,666 to general unsecured creditors.
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need service on Atlantic Credit and Finance. STILL NOT FILED TO DATE
- Need to file Pre-Confirmation Certification. RESOLVED, FILED
- Student loans cannot be paid prior to other general unsecured creditors. They will be paid pro rata along with other unsecured claims.

proposed plan $770X60 base plan
paid in $770
last claim 4
Matter ResolvedRequest
Adjourment		2641/25/2023 10:00 am22-19738 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
3/8/2023 10:00 am		Debtor has made 1 of 1 required payments   Arrears: $0  

adj request uploaded but emailed atty-needs a payment before adjournment- MK:PROOF OF PAYMENT PROVIDED

AS OF 1/18/2023 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/1, arrears $175
Matter ResolvedRequest
Adjourment		2651/25/2023 2:00 pm18-30010 / MBKCandyce I. Smith-Sklar, Esq.Motion CompensationGrantedTotal Paid In: $29,002.00
Matter ResolvedRequest
Adjourment		2661/25/2023 2:00 pm19-32133 / MBKDavid E. Shaver, Esq.Hearing Scheduled (Document)Order to be Submitted
CO-DEBTOR, JENANN SWING OBJ TO PROPOSED ORDER RESOLVING CREDITOR CERT OF DEFAULT
Matter ResolvedRequest
Adjourment		2671/25/2023 2:00 pm20-10456 / MBKWILLIAM S WOLFSON, ESQMotion CompensationGrantedTotal Paid In: $54,774.00
Matter ResolvedRequest
Adjourment		2681/25/2023 2:00 pm22-10564 / MBKKarina Pia Lucid, Esq.Motion CompensationGrantedTotal Paid In: $5,600.00
Matter ResolvedRequest
Adjourment		2691/25/2023 2:00 pm22-11352 / MBKEdward Hanratty, Esq.Motion CompensationWithdrawn
Trustee objection

-The determination of the allowed fee should be adjourned until after the confirmation date so that the
trustee can review the feasibility of the filed plan.

To be moved to 1/25 with confirmation EDC
Matter ResolvedRequest
Adjourment		2701/25/2023 2:00 pm22-14135 / MBKMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $1,600.00
Matter ResolvedRequest
Adjourment		2711/25/2023 2:00 pm22-15342 / MBKMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $2,466.00
Matter ResolvedRequest
Adjourment		2721/25/2023 2:00 pm22-16209 / MBKDavid G. Beslow, Esq.Motion CompensationGrantedTotal Paid In: $1,200.00
Matter ResolvedRequest
Adjourment		2731/25/2023 2:00 pm22-18430 / MBKPRO SEOrder Show CauseMoot - Dismissed
FILING FEES/3RD INSTALLMENT
Matter ResolvedRequest
Adjourment		2741/25/2023 2:00 pm22-18430 / MBKPRO SEOrder Show CauseMoot - Dismissed
FILING FEES/2ND INSTALLMENT
Matter ResolvedRequest
Adjourment		2751/25/2023 2:00 pm22-18444 / MBKPRO SEOrder Show CauseWithdrawn
FILING FEES
Matter ResolvedRequest
Adjourment		2761/25/2023 2:00 pm22-19036 / MBKPRO SEOrder Show CauseJudge to Reserve Decision
CREDIT COUNSELING
Matter ResolvedRequest
Adjourment		2771/25/2023 2:00 pm22-19386 / MBKPRO SEOrder Show CauseMoot - Dismissed
FILING FEES
Matter ResolvedRequest
Adjourment		2781/25/2023 2:00 pm22-19906 / MBKRegina L. Gelzer, Esq.Order Show CauseWithdrawn
CREDIT COUNSELING
Matter ResolvedRequest
Adjourment		2791/25/2023 2:00 pm22-20055 / MBKMarc C. Capone, Esq.Order Show CauseWithdrawn
MISSING DOCS
Matter ResolvedRequest
Adjourment		2801/25/2023 2:00 pm22-20160 / MBKJoseph Casello, Esq.Order Show CauseWithdrawn
MISSING DOCS
Matter ResolvedRequest
Adjourment		2841/25/2023 2:00 pm22-20217 / MBKMarc C. Capone, Esq.Order Show CauseJudge to Reserve Decision
MISSING DOCS
Matter ResolvedRequest
Adjourment		2851/25/2023 2:00 pm22-20253 / MBKAdrian J. Johnson, Esq.Order Show CauseJudge to Reserve Decision
FILING FEES
Matter ResolvedRequest
Adjourment		2861/25/2023 2:00 pm23-10005 / MBKAndre L. Kydala, Esq.Order Show CauseJudge to Reserve Decision
FILING FEES
Matter ResolvedRequest
Adjourment		2871/25/2023 2:00 pm23-10027 / MBKDonald C. Goins, Esq.Order Show CauseJudge to Reserve Decision
MISSING DOCUMENT
Matter ResolvedRequest
Adjourment		2881/25/2023 2:00 pm23-10043 / MBKYakov Rudikh, Esq.Order Show CauseJudge to Reserve Decision
MISSING DOCS
Matter ResolvedRequest
Adjourment		2891/25/2023 2:00 pm23-10043 / MBKYakov Rudikh, Esq.Order Show CauseJudge to Reserve Decision
FILING FEES
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes