Judge Christine M. Gravelle
Hearing Date: 2/1/2023
Hearing Count: 124
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
12/1/2023 9:00 am17-15982 / CMGJeffrey E. Jenkins, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsTotal Paid In: $53,502.00
>>OST<<

MTN TO SELL NASSAU DR.

>>ORDER has balance of proceeds to be paid to TR
---------------------------.

TR Obj is Resolved:
no realtor app'd- YES realtor was appt.
debtor cert does not include that its arm slenth and no relation to buyer etc( Amended cert filed)
Motion fails to serve any creditors at all.( Suppl cert of service filed)
Matter ResolvedRequest
Adjourment
22/1/2023 9:00 am17-16819 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $18,346.00
Debtor obj<> ARREARS $4,092 as of 1/27/23

12/30/22(MK): debtor has inconsistent pay history from March 2022- Dec 2022
Debtor. Has either paid less than plan amt or miss payments all together - that's how the arrears built up.
Matter ResolvedRequest
Adjourment
32/1/2023 9:00 am17-28305 / CMGAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $48,674.00
ARREARS $9,945 as of 1/27/23 Last pay 10/31/23

Debtor says will pay full arears before hearing date...
Matter ResolvedRequest
Adjourment
42/1/2023 9:00 am17-32024 / CMGHerbert B. Raymond, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $29,259.00
FAILED TO PAY PLAN BALANCE- PAID NOW
Matter ResolvedRequest
Adjourment
52/1/2023 9:00 am18-13154 / CMGSteven J. Abelson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Recommend DismissalTotal Paid In: $49,594.00
Debtor obj, will pay<>ARREARS (11,040)

Matter ResolvedRequest
Adjourment
62/1/2023 9:00 am18-14660 / CMGMarc C. Capone, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $91,271.00
mk: debtor submitted a Loss mit package which was complete on 1/3/23 needs 30 days to review

Case was adj from 12/7 to 1/18 to 2/1/23


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

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

made a Dec payment but TR arrears 7,860 as of 1/11/23. Debtor says will be able to cure arrears by early Feb- has some closings
Matter ResolvedRequest
Adjourment
72/1/2023 9:00 am18-14660 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $91,271.00
Debtor obj<>ARREARS

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



creditor cert of default on 2/1/23
Matter ResolvedRequest
Adjourment
82/1/2023 9:00 am18-17695 / CMGCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $30,266.00
AMT: MP 2/1 >>> Subject to Terms

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

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


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

Mp on 12/7
creditor cert on 12/7/ -ORDER SUBMITTED 11/23/22
Motion for Comp on 12/7
Matter ResolvedRequest
Adjourment
92/1/2023 9:00 am18-30886 / CMGTHOMAS J ORR ESQCreditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $21,465.00
1/30/23 AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj<> US BANK/Petticoat Bridge Rd (ras)

mk: need status- is debtor current?
Matter ResolvedRequest
Adjourment
102/1/2023 9:00 am19-20658 / CMGAndrew Thomas Archer Motion Relief from Stay (Fee)Continued
3/1/2023 9:00 am
Total Paid In: $10,546.00
US BAN NAT'L ASSOC / Herbert Ave (ROMANO GARUBO)

debtro opp'n says payments missing from pay history and will be requesting adj to pay any remaining arrears
Matter ResolvedRequest
Adjourment
112/1/2023 9:00 am19-23548 / CMGRobert Cameron Legg, Esq.Hearing on Supplemental Attorney DisclosureNeeds Resolution of Issues - Objections
Tr obj; Atty response<> SUPPLEMENTAL ATTORNEY DISCLOSURE
Matter ResolvedRequest
Adjourment
122/1/2023 9:00 am20-10909 / CMGErik M. Helbing Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/1/2023 9:00 am
Total Paid In: $39,085.00
12/13 AMT: PER KB, DEBTOR TRACING 3 MISSING M.O'S AND WILL CONTINUE TO MAKE PYMTS<<>>mk, sent email to atty on 1/26/23

ARREARS $4,387 as of 1/26/23. $3,000 posted on 1/17/23
Matter ResolvedRequest
Adjourment
132/1/2023 9:00 am20-15375 / CMGJohn Michael McDonnell, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $19,710.00
RUSHMORE LOAN/ Oakside Dr (FRIEDMAN VARTOLO)
Matter ResolvedRequest
Adjourment
142/1/2023 9:00 am20-20617 / CMGSTEPHANIE SHRETER, ESQMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $14,155.00
Debtor obj<>ABCO FEDERAL CREDIT UNION/ 4th ST


1/23/23(mk) Order submitted- cure of $2,212 outside by 3/31/23

Matter ResolvedRequest
Adjourment
152/1/2023 9:00 am20-20977 / CMGStacey L. Mullen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $13,462.00
Debtor obj, can pay<>ARREARS( plan balance $324.59)- per atty sending to Memphis today 1/25/23

mk: FYI :on 1/18/23 CT adj the creditor cert of default in this case to 3/15/23
Notes from 1/18/23 hearing=Ct will adj to 3/15 to see where debtor is and debtor to make 1 payment 2/1/23, 1 by 2/15/ and 1 by 3/1/23 1 by 3/15/23
hearing on 3/15/23 for status no conduit on this. If 2 payments not made by 2/15/ stay relief and we won't get to 3/15/23 hearing

should be 4 payments in by 3/15/23 debtor can't afford conduit.
case has 314 to be paid off but ct wants it held open to see if debtor can cure mtg arrears.
Matter ResolvedRequest
Adjourment
162/1/2023 9:00 am20-22492 / CMGEdward Hanratty, Esq.Creditor Certification of DefaultMoot - DismissedTotal Paid In: $70,484.00
12/30 AMT: TR LTR REQUESTING CONDUIT<<>>


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

Matter ResolvedRequest
Adjourment
172/1/2023 9:00 am21-15463 / CMGCandyce I. Smith-Sklar, Esq.Motion to Approve Trial Loan ModificationWithdrawnTotal Paid In: $18,397.00
Trustee obj; debtor support doc< MTN TO APPROVE LOAN MODIFICAITON



FYI:Loss miit was extened by Order entered at #92 to 3/20/23

Matter ResolvedRequest
Adjourment
182/1/2023 9:00 am21-17545 / CMGDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $2,232.00
Debtor obj, filing MP to extend LM time<> FAILED TO LM BY 12/30/22; NO ARREARS as of 1/23/23
Matter ResolvedRequest
Adjourment
192/1/2023 9:00 am21-19110 / CMGEugene Roth, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $6,972.00
FAILED TO SELL ATLANTIC AVE PPTY BY 12/30/22
ARREARS $1,162 as of 1/26/23
Matter ResolvedRequest
Adjourment
202/1/2023 9:00 am22-10331 / CMGJohn Zimnis, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $2,750.00
1/13 AMT: TR LTR REQUESTING CONDUIT<>

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

1/13/23(mk) Creditor atty (J. O'Donnell)says debtor has brought Loan Pot pet current and will w/d the cert of default once she has confirmation from her client

Debtor is current w/ TR
Matter ResolvedRequest
Adjourment
212/1/2023 9:00 am22-11194 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $4,000.00
AMT: MP 2/1<
LAST PAY WAS 11/22/23

Debtor obj<>FAILED TO FILE POC *ON BEHALF OF WYNDMOOR APTS AND AUTHORIZING TRUSTEE TO PAY; ARREARS

MK: the MP* rejects the lease so LL will not be paid- and reduces plan length form 60 to 36 mos. if case is confirmed then w/d this Tr Motion
Matter ResolvedRequest
Adjourment
222/1/2023 9:00 am22-11872 / CMGROBERT G SWAN, ESQMotion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $8,944.00
US BANK TRUST NAT'L ASSOC/Willowbrook Way (STERN & EISENBERG)
Matter ResolvedRequest
Adjourment
232/1/2023 9:00 am22-12008 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $2,400.00
AMT:MP 2/1 >

MP filed 12/28/22 to extend time to sell prop.

Debtor obj, filing MP<>FAILED TO SELL ISABELLA DRIVE PPTY BY 11/22/22
Matter ResolvedRequest
Adjourment
252/1/2023 9:00 am22-12339 / CMGLee M. Perlman, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $6,132.00
1/18/23mk: agreed to 2 week adj to review settlement


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

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

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

1/23/23:TR arrears $4845.50
Matter ResolvedRequest
Adjourment
242/1/2023 9:00 am22-12339 / CMGLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $6,132.00
Debtor obj<>ARREARS as of 1/27/23 $4,845.50. just made a recent payment on1/12/23. before that last pay was 7/2022

also creditor cert on 2/1/23
Matter ResolvedRequest
Adjourment
262/1/2023 9:00 am22-12420 / CMGHENRY N. PORTNER, ESQ.Motion Withdraw As AttorneyNo Opposition Filed
This is duplicate and a Notice of hearing only filed by atty whoseeks to w/d
Matter ResolvedRequest
Adjourment
272/1/2023 9:00 am22-12630 / CMGDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $2,848.00
AMT: MP 2/1 >

Debtor obj<>FAILED TO LM BY 8/6/22; EXTENDED LOSS MITIGATIN EXPIRED 10/15/22

Matter ResolvedRequest
Adjourment
282/1/2023 9:00 am22-12915 / CMGRussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/5/2023 9:00 am

AMT: MP (#38) FILED ON for 4/5/23

debtor opp'n>>PLAN DENIED 11/2/22 AND FAILED TO FILE MP WITHIN 14 DAYS
Matter ResolvedRequest
Adjourment
292/1/2023 9:00 am22-13318 / CMGGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
2/15/2023 9:00 am

AMT: 12/21 MP WAS DENIED<>

DEBTOR'S PLAN WAS DENIED ON 10/5/22 AND FAILED TO FILE A MP WITHIN 14 DAYS


MP filed 11/14/22

MFR(Planet Home Lending- J. Schwalb) on 12/7/22
Matter ResolvedRequest
Adjourment
302/1/2023 9:00 am22-13688 / CMGBENJAMIN JAMIE GINTERCreditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $17,140.00
Debtor obj<> FAY SVS/Deerfield La (Friedman Vartolo)

due $4529.23 as of Jan. /deboro says he's current
Matter ResolvedRequest
Adjourment
312/1/2023 9:00 am22-13930 / CMGMark S Cherry Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objections
12/30 AMT: TR LTR REQUESTING CONDUIT TO PARTIES<<>>

SANTANDER/ Peachatone Rd (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
322/1/2023 9:00 am22-14409 / CMGSeymour Wasserstrum, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $3,610.00
1/30 AMT: TR LTR REQUESTING CONDUIT<>

THE SECRETARY OF VETERAN'S AFFAIRS / East Second St (PINCUS LAW)

2/1/23 is 3rd hearing date- NEED STATUS. debtor filed op'pn for last hearing date


1/4/23:This is 2md hearing date. At prior hearing NS by debtro and no oop'n Mk adj .out of abundance of caution as there was order for LM by 1/2/23. debtro then filed opp/n- WHAT'S THE STATUS OF THE LM?

>.debtor opp'n> says need more time to review payment history and compare to mtg company records

---From last hearing
MK: FYI: there is an order (#48) entered on 12/12/22 That is titled CO resolving Objection(of creditor Vet Affairs) to Confirmation Terms= valid POc for arrears $66,868.81 TR will NOT disburse on this claim and debtor to pursue a LM by 1/2/23. If LM approved., creditor will amend POC. If no lm then MP to cure, surrender, dismiss or convert >creditor reserves Rt to File an MFR for post-petition arreras.

Matter ResolvedRequest
Adjourment
332/1/2023 9:00 am22-14937 / CMGJohn F. Bracaglia, Jr., Esq.RELISTED - Motion for Relief from StayOrder to be Submitted
1/25/23: Revised order to be submitted Tr will pay 13,000 and bal of $1,749.68 pd by debtro outside to creditor. conf terms will be consistent with this order


1/13/23(mk): email to counsel and CT - objecting to PPSED Order that provides ap payments for July- Oct 2022 then dec payment directly to Creditor. What happened to NOV.? Also NO AP in 2 MP before conf- need to clean up inconsistencies and adj this to 2/1/23 which is conf so it's all consistent.


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

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

Debtor obj<> PHH/Hidden Pond (RAS)
Matter ResolvedRequest
Adjourment
342/1/2023 9:00 am22-15382 / CMGCamille J. Kassar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $500.00
FAILED TO LM BY 12/31/22; ARREARS 890 as of 1/25/23. Last pay 9/6/22
Matter ResolvedRequest
Adjourment
352/1/2023 9:00 am22-15479 / CMGEugene Roth, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $3,620.00
NEW JERSEY HOUSING AND MTG FINC (McCABE, WEISBERG)

1/9/23(mk): ORDER SUBMITTED
cure will be outside over 6 mo period proposal sent to creditor atty to review w/ his client
1/9/23:OTBS=Post-petition arrears of $5,547.79 to be paid over six months outside the plan. $688.00 attorney's fees and costs through the plan. 30 day default.

Matter ResolvedRequest
Adjourment
362/1/2023 9:00 am22-15637 / CMGFRANK J FISCHER, ESQMotion Relief from Co-Debtor StayNeeds Resolution of Issues - Objections
Debtor obj<>KIRKLAND FINANCIAL/Forest Ave (Schiller Knapp)

Mk: prop is listed for sale
Matter ResolvedRequest
Adjourment
372/1/2023 9:00 am22-16050 / CMGEdward Nathan Vaisman Application to Extend Loss MitigationNeeds Resolution of Issues - Objections
Fay Servicing obj (Hill Wallack)<>APPLICATION TO EXTEND LOSS MIT TO 6/5/23

Tr limited obj:(mk: resolved as after obj filed a PPSED Order was sent to Chambers
Matter ResolvedRequest
Adjourment
382/1/2023 9:00 am22-16243 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
3/1/2023 9:00 am

DEBTOR'S PLAN WAS DENIED ON 12/7/22 AND FAILED TO FILE MP WITHIN 14 DAYS

1/24/23(mk): FILED A MP BUT DID NOT CHECK THE NOTICE BOX ON PAGE 1 OF PLAN. Disd no check that it is a MP and Part 9 is blank. SENT EMAIL TO ATTY OFFICE.

>>Ct gave Mp #31 a date of 3/1/23
Matter ResolvedRequest
Adjourment
392/1/2023 9:00 am22-16263 / CMGAndrew Thomas Archer Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition Filed
MTN TO EXPUNGE LVNV #1



Matter ResolvedRequest
Adjourment
402/1/2023 9:00 am22-16540 / CMGYakov Rudikh, Esq.Motion Relief from Stay (Fee)Moot - Dismissed
PHH/Greenwood Ave (RAS)
Matter ResolvedRequest
Adjourment
412/1/2023 9:00 am22-16762 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
Debtor obj, filed MP<>PLAN WAS DENIED ON 12/7/22 AND FAILED TO FILE MP WITHIN 14 DAYS

MP filed (#27) Conf 3/1/23
Matter ResolvedRequest
Adjourment
422/1/2023 9:00 am22-16850 / CMGDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objections
1/30 AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj<>WILMINGTON TRUST/Acorn Drive (FRIEDMAN VARTOLO)

TR motion on 2/15/23
FILED MP -HEARING DATE 3/1/23
Matter ResolvedRequest
Adjourment
432/1/2023 9:00 am22-17604 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
Debtor obj<>CONSUMER PORTFOLIO/2017 Rogue (BERNSTEIN-BURKLEY)



Conf(#86on calendar) on 2/1/23- Rec Dismiss due to no 341 BUT NOW CASE HAS A 341 date of2/16/23
Matter ResolvedRequest
Adjourment
442/1/2023 9:00 am22-17916 / CMGJonathan Goldsmith-Cohen, Esq.Motion Extend TimeOrder Previously Submitted
CREDITOR, SCHREIBER, MTN TO EXTEND TIME TO FILE DOMPLAINT RE NONDISCHARGEABILITY (middlebrooks)

1/16/23(mk): Co submitted- deadline extended to 2/28/23
Matter ResolvedRequest
Adjourment
452/1/2023 9:00 am22-18639 / CMGDaniel E. Straffi, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition FiledTotal Paid In: $1,500.00
Matter ResolvedRequest
Adjourment
462/1/2023 9:00 am22-18839 / CMGRegina L. Gelzer, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)No Opposition Filed
Mk: case dismissed at conf on 1/4/23 for :

341 not held 12/8/22, due to still missing pension income listed on Sched I and car insurance(now provided)
NS at confirmation

>>Missing docs supplied 1/2 payments when case was dismissed

IF DISMISSAL IS VACATED, WILL NEED NEW CONF DATE AND WILL NEED TO HAVE THE 341 BEFORE THAT
Matter ResolvedRequest
Adjourment
472/1/2023 9:00 am22-19321 / CMGRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objections
Debtor obj<>WILMINGTON SAVINGS/Durand Rd (ROBERTSON, ANSCHUTZ)


MK: reverse Mtg -
Matter ResolvedRequest
Adjourment
482/1/2023 9:00 am22-19360 / CMGAndrew Thomas Archer Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
Debtor obj<>SJ SHELTER/LANDLORD (WEISHOFF AND RICHARDS)


Conf 2/1/23: rec dismiss no 341( no docs have been up;oaded)
Matter ResolvedRequest
Adjourment
492/1/2023 9:00 am22-19419 / CMGAndrew Carroll, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objections

per lender no conduit unless cured
1/30 AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj<>SN SERVICING CORP / tidewater Lane (FRIEDMAN VARTOLO)
Matter ResolvedRequest
Adjourment
502/1/2023 9:00 am22-19704 / CMGMICHAEL L DETZKY, ESQMotion Relief from Stay (Fee)No Opposition Filed
FORD/2019 Edge (Morton)
Matter ResolvedRequest
Adjourment
512/1/2023 9:00 am22-19732 / CMGGeorge E Veitengruber IIIMotion SellNeeds Resolution of Issues - Objections
MK:Per TR; wants copy of the HUD so we can see you is being paid

1/30/23:letter emailed(not filed) to Ct from Amy Cores( debtor's divorce atty) onjecting to motion and calimimg debtro has not disclosed assest.she filed a POC- has a DJ but claim she filed is unsecured.

Atty dds email a revised order on 1/10/23. Attached here with other docs as 1st amended PPSED Order.


1/20/23(mk): see response by atty (Don Campbell,Esq.)for purchaser at docket #39 and #37 is judgement search etc.

it appears mtg is around $204,590.71 per foreclosure pay off dated 12/7/22 and sheriff's commission 4,141.81
IRS POC field has secured lien of 163,231.01, priority of $3,554.63 & 41,007.47 and guc portion $1,608.68.
condo liens - 2020 7,112.65 and 2021 $6,346.30


341 docs all in (which they were not on original hearing date of motion

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

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

Motion is Free and clear of Liens of
a) Unsecured portion of IRS tax lien
b) Cores & Associates, LLC
c) United States of America/U.S. Department of Justice (atty says this is a lien and related to debtor's ex spouse.


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

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

Matter ResolvedRequest
Adjourment
522/1/2023 9:00 am23-10123 / CMGRoger J. Yehl, Esq.Motion Impose Automatic StayNeeds Resolution of Issues - Objections
IMPOSE STAY

1/9/23:mk: motion timely filed
341 scheduled for 2/2/2 BUT no 341 docs submitted as of 1/27/23.
case filed 1/6/23- filed a TR limuted objhection re good faith and no 341 docs
Matter ResolvedRequest
Adjourment
532/1/2023 10:00 am18-17695 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 189 of 57 required payments   Arrears: $0  
Total Paid In: $30,266.00
ISSUES AS OF 1/26/2023 (DM): updated 1/30/23

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $30,266 PTD, THEN $1,492 x 27 STARTING 2/1/23, BASE PLAN***

1) Santander (MORTON) OBJs - debtor is bound by the 5% rate in the confirmed plan on the 2014 Dodge Journey cram (TOTAL AMOUNT TO BE PAID IN THE MP IS THE SAME AS PREVIOUSLY CONFIRMED).

2) Trustee OBJ:
- MP is underfunded.
- Debtor has insufficient income.


Confirmed Case: $23,660 Ptd, $160 x 50 start 3/1/21, Base
Prop. MP: $509 x 56, $850 x 6, $1,181.05 x 22, Base
PTD = $30,266
Last Claim (12-3) dated 1/2/20
Matter ResolvedRequest
Adjourment
542/1/2023 10:00 am19-15797 / CMGStacey L. Mullen, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 44 of 46 required payments   Arrears: $1,143.00  Total Paid In: $53,457.00
AS OF 1/20/2023 (at):

RECOMMEND: $53,457 PAID TO DATE, $1,110 x 14 BEGINNING 2/1/2023, 100% PLAN
Student loans will be paid outside of the plan.

MP proposes: $964 x 18 beginning 1/1/2023, 100% plan
Arrears: $1,143
Matter ResolvedRequest
Adjourment
552/1/2023 10:00 am19-25109 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 35 of 41 required payments   Arrears: $5,134.00  Total Paid In: $39,544.00
1/23 workup for the 2/1 calendar EDC - Atty ok with terms

Plan has big increase-will need either automatic TFS or Ewage in 7 days to confirm

MP filed $39,544 paid then 2135 x 19 beg 2/1/23 pro rata --OTBS Waterfall/Statebridge in 10 days----Trustee will not pay Jefferson Capital (2013 Ford Taurus); Credit Acceptance (2008 Chrysler 300); Leaders Financial (2004 Honda Civic) --Student loan outside--automatic TFS or Ewage in 7 days
Matter ResolvedRequest
Adjourment
562/1/2023 10:00 am22-10627 / CMGPRO SEOrder to Show CauseJudge to Reserve Decision
FAILURE TO COMPLY WITH COURT ORDER TO FILE MP
Matter ResolvedRequest
Adjourment
572/1/2023 10:00 am22-10627 / CMGPRO SEOrder to Show CauseJudge to Reserve Decision
Wells Fargo response (RAS)<>FAILURE TO COMPLY WITH COURT ORDER FOR PHH TO VACATE FORECLOSURE DEFAULT
Matter ResolvedRequest
Adjourment
582/1/2023 10:00 am22-11194 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 11 required payments   Arrears: $1,500.00  Total Paid In: $4,000.00
AS OF 01/23/23 (SF) - NO PAYMENTS SINCE NOVEMBER

1. Modified Plan proposes to reduce plan length from 60 months to 36 months because residential Lease is rejected.

2. Need amended I and J; 60 days proof of income for October and November and copy of new residential lease if any.(Pay stubs provided for full time job. Still need pay stubs for part time job. Still need Amended I and J and copy of new lease)

3. The plan proposes non-standard order of distribution.

4. Trustee motion to dismiss scheduled for 2/1/23 at 9



MP proposes $3000 PTD, $500 X 30 BASE - Rejects residential lease
Plan has run 9 months with 51 months remaining
Arrears: $1500

RESOLVED ISSUES:

Need copy of 2021 Tax Return (RECEIVED)
MFR by Landlord granted on 1/18/23
Matter ResolvedRequest
Adjourment
592/1/2023 10:00 am22-12008 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 10 required payments   Arrears: $100.00  Total Paid In: $2,400.00
ISSUES AS OF 1/25/2023 (DM):

1) Wilmington Savings (McCabe) OBJs - sale is speculative and any further extension of time to sell the property (UNRESOLVED).


Confirmed Case: $1,000 Ptd, $300 x 55 start 9/1/22, 100%
- sale of Isabella Dr by 11/22/22
Prop. MP: $2,100 Ptd, $300 x 51 start 1/1/23, 100% Plan
- sale of Isabella Dr by 4/1/23
PTD = $2,400
Last Claim (8-1) dated 5/6/22
Matter ResolvedRequest
Adjourment
602/1/2023 10:00 am22-12630 / CMGDonald C. Goins, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 9 of 10 required payments   Arrears: $232.00  Total Paid In: $2,848.00
ISSUES AS OF 1/25/2023 (DM):atty ok to terms(mk)

***TRUSTEE RECOMMENDS CONFIRMATION AT $2,848 PTD, THEN $308 x 26 STARTING 2/1/23, 100% PLAN, LOAN MOD WITH WILIMNINGTON SAVINGS BY 4/30/23 OR AS EXTENDED BY LOSS MIT ORDER, NO PAYMENT OR RESERVE BY THE TRUSTEE PENDING THE LOAN MOD, AND POC (2-2) SHALL BE PAID OUTSIDE THE CHAPTER 13 PLAN***


Confirmed Case: $308 x 36 start 4/1/22, Base
Prop. MP: $308 x 36, 100% Plan
- Loan Mod by 4/30/23
PTD = $2,848
Last Claim (2-2) dated 7/21/22
Matter ResolvedRequest
Adjourment
612/1/2023 10:00 am22-13930 / CMGMark S Cherry Confirmation Hearing ScheduledRecommend DismissalDebtor has made 8 of 8 required payments   Arrears: $0  

AS OF 1/23/23 (SF)

AR NOTE Hold for letter FROM CPA that 2020 and 2021 tax returns have been filed - st and fed (NO PROOF PROVIDED)

AR RESOLVE OR HOLD

1. State of NJ filed estimated priority claim 3-1 (NEED AMENDED CLAIM) STILL NEED

2. Trustee objection:
- Need proof of 2 months income from non-filing spouse

- Must amend Schedule I to add spouse's income

- The debtor has undertaken an improper use of exemption. Specifically: Debtor over exempts d(5). Uses full d(1), but takes $13,550 for bank acct, also takes d(5) for computer and every day clothing.

- 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).

- There is non-exempt equity in Debtor's joint bank acct on half interest $57,798 deducting remainder d(5) of $75, the total is $57,723 of non-exempt equity.


Plan proposes $2400 x 60 Base w/lump sum from savings of $40,000 upon confirmation
Payments: 8/8 plus $40,000 lump sum due upon confirmation



RESOLVED ISSUES:
- Objection filed by Santander Bank (Fissel) - failure to pay arrears of $180,166.76 (RESOLVED VIA ORDER)

- Must resolve IRS priority estimated tax claim 1-1. (AMENDED)
- Need copy of 2021 Tax Return (Debtor filed for an extension. Need copy of 2021 Tax Return (RECEIVED)
- Must file pre-confirmation certificate. (FILED)

Matter ResolvedRequest
Adjourment
622/1/2023 10:00 am22-14242 / CMGDonald C. Goins, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 7 of 8 required payments   Arrears: $476.00  
1/30/23(mk): Updated

Tr will accept income proof . However- still issue of car treatment for Global Lending. MP has conflicting terms. In cram section of part 4d no on 7 and then part 9 says paying full car loan at a reduced interest rate and says it is not a cram- YES IT IS a Cram.

**CAN REC CONFIRM AT $3,332 PTD, Then $476 x 52 Begin 2/1/23 Base**

--------------------------------------
issues as of 1/27/2023 (JMA)

1) Trustee objection to confirmation - need to resolve
- Need to provide Trustee with 2 months proof of income - April and May 2022 pay stubs - STILL HAS NOT PROVIDED PAYSTUBS,(mk: email form atty - he doesn't get them) THE EMPLOYER NEEDS TO PROVIDE DEBTOR WITH A PAYSTUB EITHER PRINTED OR ELECTRONIC SHOWING GROSS INCOME, DEDUCTIONS AND NET INCOME. THE BANK STATEMENT ONLY REFLECTS THE NET BALANACE - THIS IS NOT SUFFICIENT PROOF OF INCOME

- Need to file a modified plan that lists Global Lending as either paid in full or a cram, not both RESOLVED MODIFIED PLAN PROPOSES A CRAM
- The debtor has failed to provide proof of service with respect to plan motions - Need proof of service on Global Lending for cram FILED 10/27/2022
- The debtor's plan proposes an order of distribution that is contrary to the Trustee's recommended Order of Distribution. RESOLVED WITH MODIFIED PLAN
- Need to resolve bifurcated claim filed by Ally Financial - CLAIM WAS WITHDRAWN

proposed pan $476x60 begin 6/1/2022 base plan
paid in $3,332
arrears $476
last claim 2
Matter ResolvedRequest
Adjourment
632/1/2023 10:00 am22-14517 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 4 of 7 required payments   Arrears: $0  

Check for the filing of a MP and if scheduled (dm)

ISSUES AS OF 1/27/2022 (DM):

 1/11/23 (mk): CO with Specialized Loan (POC #7 - Gavin Stewart) submitted (per 1/4/23 hearing on motion) that provides debtors arrears will be paid outside to creditor from Funds from NJHAF program. Once funds have been paid to creditor, debtor to file MP removing arrears from the plan so this is different than the treatment in Note B in resolved issues below. TOLD ATTY THIS PLAN SHOULD BE MARKED AS DENIED OR W/D AND MP IN 14 DAYs

1) Trustee OBJ:
- Need valuation and loan balance for timeshare at Orange Lake Resorts (TIMEHSARE MORTGAGE PAID OFF - SIGNED LETTER ASSERTS TIMESHARE VALUE AT $2,500, BUT 3 TIMESHARES FOR SALE ON INTERNET UPLOADED BY THE DEBTOR AVERAGE TO $15,500 FOR VALUE AND WILL BE ADDED TO NON-EXEMPT EQUITY).

- Amended Sch J includes $967 estimated tax payment - need to provide proof that these payments are being made (SCH J AMENDED TO REMOVE - NOTE THAT INCOME DISCLOSED ON LINE-ITEM #23a OF AMENDED SCH J DOES NOT CORRESPOND TO ANYTHING FILED BY THE DEBTOR. ALSO, PAY STUBS/CHECKS FOR METRO PAYROLL LLC HAVE BEEN UPLOADED SHOWING DEBTOR IS A 1099 EMLOYEE).

- There is $28,941 non-exempt equity in real property (ADDING $13,485 NET NON-EXEMPT EQUITY FOR TIMESHARE REFERENCED ABOVE).


***RESOLVED ISSUES***


A) State of New Jersey priority POC (3-1) is estimated for 2017-2018 and 2020-2022 taxes (AMENDED TO $0).

B) Specialized Loan Servicing (Stewart Legal) OBJs - $24,466.93 pre-petition arrears (MP PAYS).

C) ACAR Leasing has an arrears claim for 2016 Chevy Cruze not treated in the Plan (CLAIM SET-UP CORRECTED - LEASE EXPIRED IN 2019 - IT'S A GENERAL UNSECURED CLAIM).

D) Americredit has $767.21 arrears claim on 2019 GMC Terrain not treated in the Plan (OKAY TO PAY?? - Yes)

E) Trustee OBJ:
- Need a copy of homeowner's insurance renewal declaration (RECEIVED).
- Need P&L statement that shows start/end date (RECEIVED P&L FROM 1/1/22 - 6/1/22).
- Need auto insurance renewa
Matter ResolvedRequest
Adjourment
642/1/2023 10:00 am22-14522 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 3 required payments   Arrears: $0  

AS OF 1/26/23 (SF) Updated

RECOMMEND $1688 PTD, $533 X 57 (BEGIN 2/1/23) 100% PLAN W/ MIN $36,776 TO GUCS PER N/E IN REAL ESTATE.
- OK TO PAY ARREARS CLAIM 12-1 TO CARDINAL FINANCIAL
- TOYOTA LEASE TRUST IS REJECTED IN PLAN
- TRUSTEE STANDARD ORDER OF DISTRIBUTION
- NEED PROOF OF FOOD STAMP INCOME WITHN 10 DAYS


Converted to Ch 13 on 10/4/22


1. Must file Chapter 13 Disclosure Statement (RECEIVED)

2. Trustee objection:
- The debtor has insufficient income disposable income verifies $55.34.
- Need letter from Social Services on amount received in food stamps. (STILL NEED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,937 when
determining disposable income.
- There is non-exempt $36,776.42, when using chapter 7 appraisal.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution


Plan proposes $422 x 60 BASE W/MIN $29,856 TO GUCS
Payments: 4/4

RESOLVED ISSUES:
1. Objection filed by Cardinal Financial (Roger Fay) - failure to pay arrears of $1811.20 (Per creditor, objection is resolved as long as debtor pays arrears in full. Per debtor's attorney, ok to pay arrears)

2. Toyota Lease Trust filed a proof of claim 10-1 for 2020 Toyota Camry which is not assumed in plan (Does debtor still have car?) No, LEASE IS REJECTED
Matter ResolvedRequest
Adjourment
652/1/2023 10:00 am22-14837 / CMGDavid Jerome Witherspoon Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 7 required payments   Arrears: $2,124.00  Total Paid In: $1,800.00
As of 1/24/23 (DS): Need to confirm at $1,800 paid, $411 x 53 begin 2/1/23; 100% to gucs or $1,800 paid, $418 x 52 begin 3/1/23; 100% with minimum $222,974 to gucs due to non-exempt equity
- Ok to pay attorney fees.
- Add to confirming order Trustee ok to pay arrears claim#3-1 of Wells Fargo
- Strike Section 4(g) of plan.

1. Mod plan removes atty fees $3,543.60. Ok to pay?

2. Plan list Wells Fargo outside, but arrears claim filed $536.62 and was previously paid. Ok to pay?

3. Plan again has US Bank Cust on Section 4(g). Needs to be stricken.

MP Prop $1,500 PTD; $385 x 54; 100%
Matter ResolvedRequest
Adjourment
662/1/2023 10:00 am22-14937 / CMGJohn F. Bracaglia, Jr., Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 6 of 7 required payments   Arrears: $2,500.00  
As of 1/30/23(mk): Updated: ok to rework for total 52 mos.
I reclculated iincome on WS based upon current POI. still high dipso. income.

**CAN REC CONFIRM AT $15,000 PTD, Then $1,035 x 45 Begin 2/1/23
100% w/ a min to gucs of $22,275 Due To Equity in Real and Personal Property. LM on Hidden Pond Ct by 3/1/23. Trustee will not pay Bank of NY arrearage claim pending LM. Trustee to turnover funds on hand in the amount of $13,000 to Bank of NY per OTBS, on US Bank's Motion For Releif from the Stay, as adequate protection upon confirmation. Post-confirmation adequate protection to be paid outside directly to Bank of NY. Claims will be paid according to the Trustee's order of distribution. Plan lenth is revised to a total of 52 months.**
------------------------------

1/24 workup for the 2/1 calendar EDC
**Recommend CONF AT:

$15,000 paid then $13,000 lump adequate protection payment to Bank of NY by trustee per OTBS, then $1294 x 36 beg 2/1/23-100% to gucs ($22300 equity)--loan mod by 3/1/23---Claims will be paid according to the Trustee's order of distribution--Trustee will not pay Bank of NY arrearage claim pending LM------Post-confirmation adequate protection to be paid outside directly to Bank of NY

-proof of income has $6300 in monthly disposable needs 100%

MP filed 11/1/22- $7500 PTD; $2500 X 56; LM 6MO AFTER CONF (14 HIDDEN POND RD);

MFR Santander on for 1/25 was OTBS but requires turnover of AP from trustee in amount of $11,000. So debtor has paid little into the plan to creditors other than Bank of NY thus far.

-Per MK email-- if AP payments needed we need an order to pay pre-conf because per 341 the debtor was to file MP removing trustee paying AP. Is debtor filing MP to remove AP? NO SEE MFR ORDER TRUSTEE TO PAY $13,000

**Bank of Mellon obj to MP---Original OTBS for MFR Santander has now been relisted--needs resolution-per creditor the debtor never applied for loss mitigation ---Objection filed by The Bank of New York Mellon (Robertson, Anschutz)
Matter ResolvedRequest
Adjourment
672/1/2023 10:00 am22-15590 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 6 of 6 required payments   Arrears: $50.00  
341 scheduled for 12/22/22 not held. This the third time EDC


As of 10/31/22 (DS): Debtor attorney requested adjournment, 341 sched 11/3/22.


As of 8/31/22 (DS): Debtor attorney requested adjournment, 341 sched 9/29/22
Matter ResolvedRequest
Adjourment
682/1/2023 10:00 am22-15637 / CMGFRANK J FISCHER, ESQConfirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 9 of 6 required payments   Arrears: $0  

issues as of 1/26/2023 (JMA)

1) Trustee objection to confirmation - need to resolve
- Need to provide a current market analysis - for the Vero Beach property. DOCUMENT PROVIDED ONLY LISTS PROPERTIES FOR SALE, NOT PROPERTIES THAT HAVE SOLD. ALSO DOES NOT IDENTIFY THE NAME OF THE PREPARER/COMPANY - NEED A CMA THAT HAS COMPARABLE SOLD PROPERTIES WITHIN THE 6 MONTH PERIOD BEFORE FILING
- Need a copy of the homeowner's insurance renewal declaration - for Vero Beach property and 8 Forrest Street that includes liability coverage. NEITHER POLICY PROVIDED INCLUDES THE DECLARATION PAGE, NEITHER SHOW PERSONAL LIABILITY COVERAGE
- Need a copy title to the trailer NOT PROVIDED
- Need a copy of the deed or lease agreement for Vero Beach property. NOT PROVIDED
- Amendments to Schedules C which was filed blank.
- 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 $121,800 in non-exempt equity in the trailer pending review of title.
- Need to file Pre-Confirmation Certification. NOT FILED
- Need to resolve objection by Kirkland Financial LLC.
- Need to resolve objection by Ford Motor Company/CAB East.
- Need to resolve objection by American Mortgage Investment Partners/Wilmington Savings.
- Need attorney disclosure statement

2) Kirkland Financial LLC (Schiller, Knapp) objection to confirmation - MODIFIED PLAN PROPOSES TO PAY CREDITOR
- Forest Drive property
- pre-petition arrears $454,901.38

3) Ford Motor Credit Company LLC/CAB East, LLC (Morton) objection to confirmation - need to resolve
- debtor fails to assume the lease for the 2021 Ford Escape

4) American Mortgage Investment Partners Management LLC/Wilmington Savings Fund Society (Knuckles, Komosinski) objection to confirmation - need to resolve
- Cedar Ave property
- pre-petition arrears $594,146.23
- creditor has not agreed to short sale
Matter ResolvedRequest
Adjourment
692/1/2023 10:00 am22-15832 / CMGBrian S. Thomas, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 7 of 6 required payments   Arrears: $0  

1/24 workup for the 2/1 calendar edc

REC CONF AT:
***$200 x 60 beg 8/1/22 pro rata with minimum of $107,336 due to equity to unsecured-DEBTOR SHALL SELL PROPERTY OR REFI & PAY SECURED CREDITOR'S CLAIM IN FULL, BY 6/1/23.--trustee to receive non-exempt proceeds from sale/refi if any unsecured claims filed---Trustee to pay mortgage claim pending sale/refinance

1/4/23:mk: amended 122 filed and pre conf filed-adj to PEREMPTORY

AS OF 1/10/2023 (at):

CASE HAS BEEN PENDING SINCE 7/25/22.

1. Objection to modified plan filed by Bank of NY Mellon/Chase Bank (Frenkel Lambert) - loan matures during plan, plan does not propose to cure pre-petition arrears and sale is speculative. (OTBS WITHIN 30 DAYS OF CONFIRMATION - BMK RE sold by May 2023 and creditor paid in full)

2. Trustee's objection:
- The Bank of New York filed secured claim 1 which indicates the loan matured June 1, 2012
- The Bank of New York (Frenkel Lambert) filed an objection to confirmation - need to resolve
- Schedule J does not include a mortgage expense (NOT AMENDED)

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 $105,000 of non-exempt equity in real estate. (LANGUAGE ADDED)
-proof of auto insurance does not have covered vehicles listed (RECEIVED)
- need bank statement from June 2022 (RECEIVED)
The debtor has failed to supply the Trustee with the following document (s):
- Form 122c does not include income from debtors job (AMENDED)
- Amendments to Schedules Schedule C to show balance, as of 6/24/2022, in the
amount of $2,268.32 in checking and $68.02 in savings account. Filed schedules show zero balances. (AMENDED)
- need to file pre confirmation certification with court (FILED)

Modified Plan before confirmation proposes: $200 x 59 beginning 1/1/2023, sale by 5/31/2022, base
Payments: 6/6
Matter ResolvedRequest
Adjourment
702/1/2023 10:00 am22-15920 / CMGAndrew B. Finberg, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 6 required payments   Arrears: $350.00  
AS OF 1/19/2023 (at):

RECOMMEND: $350 x 60 BEGINNING 8/1/2022, BASE
Non exempt proceeds from Star Sprinkler settlement are to be turned over to the trustee by 2/15/2023.
Claim #4 filed by JP Morgan Chase will be paid through the plan.


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

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

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- 2 months bank statements from WSFS Bank savings acct, prior to filing date. (NOT RECEIVED)
- The circumstances and contents of the debtor's Plan, when taken in their totality,
indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a) (3).
- Plan fails to provide for non-exempt equity.
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is estimated non-exempt equity in real property pending updated comps and CMA, WSFS Bank acct $931.93, WSFS savings acct pending proof of bank statements and insurance proceeds from lawsuit pending settlement agreement. (CMA OK - STRUCTURAL DAMAGE TO PROPERTY)
- Need settlement agreement from lawsuit and proof of funds on hand 7 days before confirmation. (RECEIVED - SETTLEMENT WAS $30,000)
-Trustee disputes debtor's valuation of the real property. CMA has only 2 comps for
10/22/21 and 11/24/21 values $190,000. Zillow has lowest $338,000 - $401,000, using lowest there would be non-exempt equity in real property $68,434.19. Trustee requires update CMA with comps in the last 6-8 mos. from the filing date

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

Plan proposes: $350 x 60 beginning 8/1/2022, ba
Matter ResolvedRequest
Adjourment
712/1/2023 10:00 am22-16107 / CMGEugene Roth, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 3 of 5 required payments   Arrears: $458.00  
ADJ Request Denied - last payment received in November.
ISSUES AS OF 1/24/2022 (DM):

***Last payment made in November - RECOMMEND DISMISSAL***

 MFR filed by Nationstar scheduled 12/21/22 (CO ENTERED - 6 MONTH CURE).

1) Nationstar (SCHILLER KNAPP) OBJs - arrears not paid pending sale and sale to be done within 6 months (UNRESOLVED).

2) Old Bridge MUA (Joel Glucksman, Esq) OBJs - $6,163.20 secured claim not properly treated in the plan (UNRESOLVED).

3) Plan proposes $1,619.33 priority treatment to Old Bridge Twp Tax Collector - no POC filed (STRIKE??)

4) Plan proposes payment of Foxborough Homeowners Assn and Foxborough Village Townhome Assn at sale - both creditors filed unsecured claims.

5) Trustee OBJ:
- Need contract for sale of Diamond Ln property. According to Zillow property is listed for sale at $379,999. There would be $30,882 non-exempt equity.
- There is $30,882 non-exempt equity in real property - need to add to confirming order non-exempt proceeds to Trustee from sale of Diamond Ln.
- Must file Pre-confirmation certificate.


Prop. Plan $229 x 36, 100%
- sale of Diamond Lane in 6 months
PTD 3/5 = $687
Last Claim (9-1)
Matter ResolvedRequest
Adjourment
722/1/2023 10:00 am22-16263 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledContinued
4/5/2023 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS of 1/19/23(mk);

1. IRS ESTIMATED GUC CLAIM( No return for
2016) and plan is 100%- atty in touch w/ E O'Hagen. claim based on from a b'ness dbetro has no idea what the tax is .she was retired at the time. mk atty update: he got docs from O'Hagen and debtro has no idea who the "employer" is , she was retired at that time. either a mistake by the employer or may be identity theft. Atty will move against the IRS claim.

2. LVNV FUNDING Filed a secured claim(#2-1 judgment) $3885.MOTION TO EXPUNGE THIS POC 31 ON 2/1/23

>>loss mit was extended to 3/13/23. WHAT IS STATUS OF THE LM?(mk: reply= debtor rec'd trial LM begins 2/1/23

3. Trustee objection:
- plan not feasible: Proposed payment is insufficient to pay 100% over 36 months.
-plan fails to treat secured POC filed by LVNV
for J'ment. MOTION FILED)
-Who owns the 2006 Subaru and the 2011 Ford on the car insurance- Not on sch B.?(Debtro's son)

-------Resolved-----------
> Objection by Bank Of NY Mellon(McCalla):
-plan fails to pay full arrears (ORDER entered 12/8/22 Resolving objection . LM BY 2/28/23. PP payments directly to creditor. If LM denied, then MP to cure or surrender
>also [plan has no arrears to be paid pending LM

-There is $64,514 in non exempt equity in
the residence.
There is $26,939 in non exempt
equity in the bank accounts and Kia.(Plan os
100%)
-Who owns the 2006 Subaru and the 2011 Ford on the car insurance- Not on sch B.?(Debtro's son)

Plan:250 X 36, LM: 9 MYRTLE RD 6 MTHS FROM FILING, 100%
4/5 payment
bar date 10/18/22
Matter ResolvedRequest
Adjourment
732/1/2023 10:00 am22-16293 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 5 of 5 required payments   Arrears: $0  

AS of 1/23/23(mk):

-- Atty agrees Plan denied- MP in 14 days reminder set in system)


>>ATTY SAYS FILING A MP FOR CURE & REINSTATE. Now says PNC has trial LM? last email sais pay the arrears

1. Order resolving objection by US Bank says LM BY 11/28/22- WHAT IS STATUS? mk: per atty Loss mt was denied

2. IRS POC Is $17,661.75 for priority and $10,272.22 for secured. Plan does not address the secured portion and the priority portion was understated.

3. NE Equity in personal property of $5,681. The has to be paid to gucs.

--------------
As of 12/8/22(mk):

>Order (10/12/22- doc#32) resolving creditor objection (US Bank) says LM by 11/28/22- WHAT IS STATUS?( atty has reached out to creditor for updated Order and LM status

>Order (10/26/22-doc #41) entered resolving PNC(Martone) obj to conf entered- debtor to file a MP to pay $1249 thru plan. NO MP WAS FILED
also, there is apparent loss mit w/PNC as well- WHAT'S THE STATUS?(MK: atty says not filing a MP to add and Loan was just placed in review)

1. Trustee Objection:
-plan avoids liens for Robert Wood Johnson and Jackson Cap- NO CLAIMS WERE FOLED BY THESE CREDITORS> mk: creditors properly served so ok
--There is non-exempt equity in 2016 Lincoln $1,665, TD Bank #9393 $1,613.61, Power tools $2,402.69 (TOTAL=5,681)
No mo re equity in 2001 Chevy $500- car totaled
-------------------------------
-- Need 2 months bank statements from TD checking acct#4011 and 401 (k) loan balance statement, prior to filing date.(Provided)
- Order of distribution is TR Std Order
-Part 8 of plan is not complete- VESTING WILL BE AT CONFIRMATION.


plan:$1,402 x 60 begin 9/1/22; Dollar Base $1,126.98 and Loan mod by 2/2024
5/5 payments
Matter ResolvedRequest
Adjourment
742/1/2023 10:00 am22-16533 / CMGRobert Jeney, Jr., Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 5 required payments   Arrears: $0  

As of 1/19/22(mk): atty ok to terms

** CAN REC CONFIRM AT $403.32 PTD THEN $131 X 55 BEGIN 2/1/23 BASE W/ MIN AMT TO GUCS $5,500
Plus All non exempt proceeds from personal injury case paid to Trustee
Trustee standard order of distribution.
must file pre conf cert in 10 days


-TR does not accept cents for Tr payment - has to be $ amt only

1. Trustee Objection:
- Must file Pre-confirmation certificate.
- Need to add to confirming order all non-exempt proceeds from personal injury claim(Added)

-----------------------------
Objection by Nationstar (LOGS):
-plan fails to cure Arrears of $1,336.88- OK TO PAY? RESOLVED- ORDER SUBMITTED- PAY ARREARS
-need amendments to schs B & C to add add
Navy FCU, United Teletech FCU and Bank of
America accts. Amend Sch B to add PI claim.-Filed
- need 2 mos bank statements form Navy FCU & B of A prior to filing date.
-improper exemptions:Need to amend Schedule C to take a 522(d)(1) exemption instead of 522(b)(3)(b) based upon the election of the remaining exemptions. Improper use of both state and federal exemptions.(Filed)

-There is non-exempt equity in United Teletech acct $2,800 and all other bank accounts (pending bank statements from all other accounts).Mk: not after review of bank statments

( SCH I HAS NO INFO ON NON FILING SPOUSE AND SCH J SAY DEBTOR HAS NO DEPENDANTS--SOFA HAS HE'S IS MARRIED- NEED CLARIFICATION ON THIS(SEPARATED 6MOS)- Amended J

-excessive expenses:Food $600, Clothing $165 and 2 car payments $661.31 and $660
- not paying al dispos income into plan:22c has disposable income $2,064.14, which would require minimum dividend $123,848.40 to gucs.(USE i & J)
-schedules fail to include tax refund of 2,784 for dispo income.(added in)
- Need Certification if debtor explaining the Bank of America account listed on her 8/26/22 pay advice if she doesn't own said account.(PROVIDED)


Plan:100.83 x 60 begin 10/1/22; Dollar Base $5,500
4/5 payments
Matter ResolvedRequest
Adjourment
752/1/2023 10:00 am22-16588 / CMGCamille J. Kassar, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 20 of 5 required payments   Arrears: $0  

issues as of 1/27/2023 (JMA)

1) Truman 2021 SC9 Title Trust/US Bank (Romano Garubo) objection to confirmation, need to resolve
-plan is not feasible
2) IRS priority claim is estimated for 2019 taxes - RESOLVED AS TO 2020 AND 2021 TAXES, STILL ESTIMATED FOR 2019 TAXES
3) IRS guc claim is estimated for 2018 taxes, need to resolve - STILL NEED TO RESOLVE
4) Trustee objection to confirmation - need to resolve
- Need to provide Trustee with a copy of the last filed tax return - 2017-2019 for IRS and State NOT RECEIVED TO DATE
- The debtor has undertaken an improper use of exemption. Specifically: Debtor has taken an over-exemptions under 522 d(5). RESOLVED, AMENDED SCHEDULE C FILED
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Food $475. NOT ADDRESSED
- 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 $318.34, which would require minimum dividend $19,100.40 to gucs. Plan proposes 100%. Schedules I & J show disposable income of over $2,000 monthly. NOT ADDRESSED
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,504 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 $146,428.75, Jewelry $1,875, Cash $100, TD Ameritrade $10 and PNC checking acct $100.
-PNC Checking acct $875 EXEMPTED WITH AMENDED SCHEDULE C
- Must resolve IRS estimated tax claim.
- Must resolve creditor objection.
- Must file Pre-confirmation certificate RESOLVED, FILED

proposed plan $200x5, $1212x55 with loan mod by 4/30/2023 100% plan paid in $4,088
paid in $4,0
Matter ResolvedRequest
Adjourment
762/1/2023 10:00 am22-17118 / CMGSTEVEN J. SICOConfirmation Hearing ScheduledContinued
3/1/2023 10:00 am
Debtor has made 5 of 4 required payments   Arrears: $0  

MK: adj to 3/1/23 PEREMPTORY - NFA

As of 1/20/23(mk):

>> Workup on Plan #21

1.A Secured claim has been filed by St Of NJ Worker's Comp for a judgment $91,335.48. NOT IN PLAN

2. Claim filed by ACAR Leasing for 2018 Chevy- NOT IN PLAN-no arrears - is this auto lease assumed?

3. Trustee objection:
-Need a statement for the whole life insurance
policy.
- need Amendments to Schedules B/C to add the 2020 Utility Van. Amend Sch I to remove
income for non-debtor spouse (not working)..
-current Plan does not specify treatment of
State of NJ Worker's Comp, Acar Leasing
or BMO Harris Bank under the Plan.
-- Need July and August bank statements for
Bank of America account #6918.
- Need to amend Schedule B to list business
and valuation for the business
- income verifies lees than scheduled but debtor is current with payments.
-Pre conf cert.


Plan:$2500 X 60 BEG 10/2022; BASE
4/4 payments
Matter ResolvedRequest
Adjourment
772/1/2023 10:00 am22-17144 / CMGSherry Daves, Esq.Confirmation Hearing on Modified PlanContinued
3/1/2023 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 1/27/23 (DS): Debtor atty requested adjournment to resolve estimated tax claim

1. ISSUES THAT REMAIN UNRESOLVED:

- IRS ESTIMATED TAX CLAIM 2015, 2017 AND 2018 NOT FILED.
- MUST FILE PRE-CONFIRMATION CERTIFICATE. FILED 1/26/23 UNDER DOCUMENT

MK: this should not be adjourned- it should be marked as DENIED or w/d- sent atty a reply to her email. PER ATTY: MARK THIS AS W/D

As of 12/9/22

(DS): Mod plan filed 11/30/22 and sched 2/1/23, must submit confirmation adjournment request.

11/14/22:MK: insurance provided- I processed the adj request

As of 11/10/22 (DS): Debtor attorney requested adjournment, but no homeowner insurance provided. Emailed attorney to provide by end of day or I will not adjourn and deny.

11/16/22 (DS): 1. Trustee obj to the following:
- Must resolve creditor objections. OBJ SHOULD BE RESOLVED, MOD PLAN PROPOSE TO PAY ARREARS.

2. Sixty Acres-HOA (MCGOVERN LEGAL SRVS) obj arrears more. Bifurcated claim was filed by creditor and needs to be resolved. MOD PLAN PROPOSE TO PAY SECURED PORTION OF CLAIM.

3. US Bank (FRIEDMAN VARTOLO) obj arrears more, POC filed with arrears $32,966.75. Obj must be resolved. MOD PLAN PROPOSE TO PAY POC ARREARS.

4. IRS filed estimated tax claim, 2015, 2017 and 2018 not filed. Must resolve claim.

5. Must file Pre-confirmation certificate.

Prop Plan $1,475 x 60 begin 10/8/22; Base
Note: Homeowner insurance provided. Amended Sched I & J filed (adds tax refund and increase expenses).
Matter ResolvedRequest
Adjourment
782/1/2023 10:00 am22-17203 / CMGSeymour Wasserstrum, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 8 of 4 required payments   Arrears: $0  

(AMT: MP DOC #28 FILED)
Matter ResolvedRequest
Adjourment
792/1/2023 10:00 am22-17262 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 4 required payments   Arrears: $690.00  
Mk: Mark as Denied- MP in 14 days- will be sale plan- short sale working on tax claims - all retruns been filed

AS OF 1/23/22 (SF)


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

2. Loss mit order will expire on 1/24/23 ( Mk:Lm was denied)

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

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

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

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

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

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

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

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



Matter ResolvedRequest
Adjourment
802/1/2023 10:00 am22-17271 / CMGDavid L. Stevens Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 4 required payments   Arrears: $0  

1/23 Workup for the 2/1 calendar

Can confirm at:
*** $250 X 60 BEG 10/1/2022; Refinance by 4/1/24 (9 LT HOOPER RD); unsecured to receive a minimum of $167,132 pro rata or 100% (due to equity) from the refinance through the plan---attorney to file fee application within 7 days


-will be a low base pending refinance

** Trustee objection to confirmation - need to resolve
-The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. 1325(a)(4):OK PLAN PAYS $167K

proposed plan $250x60 begin 9/1/2022 with refi 18 months after confirmation with minimum $167,132 dividend to gucs
paid in $750
last claim 19
---------------------
RESOLVED ISSUES
-IRS filed estimated claims- needs to be resolved. RESOLVED, AMENDED CLAIM FILED
1) State of New Jersey priority claim is estimated for 2019-2021 taxes - DONE
Matter ResolvedRequest
Adjourment
812/1/2023 10:00 am22-17404 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 4 required payments   Arrears: $0  

As of 1/27/23 (DS): Confirm at $2,000 paid, $500 x 8 begin 2/1/23; $1,772 x 36 begin 10/1/23; 100% with minimum $94,999.25 due to non-exempt equity;
- Capital One Auto claim#14-1 to be treated outside, no arrears owed.

1. Trustee obj to the following:
- Plan does not specify treatment of Capital One Auto (2018 Hyundai), no arrears owed. TO BE TREATED OUTSIDE.
- There is non-exempt equity equity in real property $7,274.77, Wells Fargo checking acct $832.50 and Wells Fargo saving acct $6,534.20 and $80,656.98 in the mutual acct. BAR DATE HAS PASSED 11/28/22, TOTAL GUCS FILED $58,882.39.

Prop Plan $500 x 12 begin 10/1/22; $900 x 36; 100%
Note: Updated auto insurance provided for both vehicles, both listed in Debtors name. Amended SCHED B and C filed to add savings acct and 2018 Hyundai.
Matter ResolvedRequest
Adjourment
822/1/2023 10:00 am22-17468 / CMGTHOMAS G. EGNERConfirmation Hearing ScheduledContinued
3/1/2023 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $540.00  
AS OF 01/23/23 (SF)

Former Steven Taieb case.

1. Tyndall FCU filed arrears claim 6-1 in the amount of $418.49. (OK TO PAY?)

2. Trustee objection:
- The debtor has failed to provide proof of service with respect to Plan Motion(s) USAA (no claim filed. Should this be stricken?? (STILL NO SERVICE, STRIKE FROM PLAN)

- need to address atty fee issue as to who the balance of fees in the plan go to. Prior atty is deceased. Need amended disclosure or explanation of the fees in this case. (STILL NEED DISCLOSURE STATEMENT)

Plan proposes $540 x 36 BASE
Payments: 3/4 Arrears: $540


RESOLVED ISSUES:
- Must file Pre-confirmation certificate. (FILED)
-Need certification from debtor as to how the $22,041 in proceeds from the sale In Jan 2022 of Florida property was spent. (OK PER AR) listed under post misc docs
- Need amended Schedule B to correct year of Dodge- should be 2013 not 2009 (AMENDED)


Matter ResolvedRequest
Adjourment
832/1/2023 10:00 am22-17489 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

1/30/23 - Frenkel Lambert Order submitted - Loan Mod within 60 days (dm)

ISSUES AS OF 1/26/2023 (DM): need status of Loan Mod applications and estimated IRS claim.

 mk: Loan Mod submitted on 1st mt (RAS) and on 2nd mtg (FRENKEL) - Loan Mod complete package submitted 1/15/23 McDonough.

 Motion for Prospective Relief filed by New Rez/Shellpoint is scheduled for 1/18/23 (OTBS).

1) New Rez/Shellpoint (RAS) OBJs - debtor's 6th bankruptcy filing stalling foreclosure sales and failure to cure pre-petition arrears of $238,959.46 (UNRESOLVED).

2) MEB Loan Trust (Frenkel Lambert) OBJs - failure to cure full arrears of $98,199.84 (UNRESOLVED).

3) IRS filed $2,477.04 priority claim not treated in the plan that includes estimated taxes for 2019 - 2020 (UNRESOLVED).

4) Plan provides $5,000 priority treatment to the State of NJ - no priority claim has been filed by the State of NJ (STRIKE??)

5) Trustee OBJ:
- Based upon the previous dismissals, the Trustee will request the debtor sign up for TFS eWage once the case is confirmed.
- Debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution (OKAY WITH TRUSTEE STANDARD ORDER OF DISTRIBUTION??)
- Must file Pre-Confirmation Certificate (UNRESOLVED).

***RESOLVED ISSUES***

A) Global Lending filed $549.24 arrears claim on 2015 Buick Enclave not treated in the plan (OKAY TO PAY?? - mk: OK to PAY).

B) Trustee OBJ:
- Excessive Expenses - Form 22c: Line #30 has additional food/clothing expense of $47, and Line #34 has mortgage arrears to be paid to $5,076.77 but the Plan has no arrears to be paid. Line #45 disposable income would be $1,218.62, which would require a $73,117 minimum dividend to gucs (100% PLAN).
- There is estimated $46,786 non-exempt equity in all timeshares (pending Deeds on all timeshares), $6,950 in 2010 Honda CRV, $125 in Jewelry, $840 in Bank of America accts, and $300 in Acorn acct (100% PLAN).
- Need a copy of homeowner's insurance renewal declaration
Matter ResolvedRequest
Adjourment
842/1/2023 10:00 am22-17537 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 4 required payments   Arrears: $0  

AS OF 1/20/23 (SF)

1. 341 NOT HELD - Nisenson's office substituted in the case and needs to get the signature page from Jeff Jenkin's office. (ATTORNEY HAS TO REQUEST ADJOURNMENT

2. PAYMENTS: 4/4

Matter ResolvedRequest
Adjourment
852/1/2023 10:00 am22-17574 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
3/1/2023 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 1/24/2023 (at):

1. Rushmore Loan filed a secured arrears claim #7 in the amount of $2,353.43 which is not in the plan. Is it ok to pay this claim? Objection filed - failure to cure arrears of $2,353.43.

2. Trustee's objection:
- The debtor has insufficient income.
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - with current past 6 months comparatives. (NOT RECEIVED)
- TSP Loan balance statement prior to filing date.
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 for 2015 Maserati $2,313 and pending updated CMA/Appraisal
there may be non-exempt equity in real property.
- Arrears claims filed by Wells Fargo $579.79.

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

Plan proposes: $266 x 60 beginning 10/1/2022, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
862/1/2023 10:00 am22-17604 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
3/15/2023 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $532.00  
As of 1/30/23 (DS): Debtor attorney requested adjournment, 341 sched 2/16/23

12/6/22(mk) We have 1 payment

As of 11/23/22 (DS): 341 sched 12/8/22, no Trustee payments made, Debtor in arrears $1,000, made 0 out of 2 payments. Must get current, then submit confirmation adjournment request.
Matter ResolvedRequest
Adjourment
872/1/2023 10:00 am22-17699 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 4 required payments   Arrears: $3,600.00  
AS OF 1/23/23 (SF)

1. Objection filed by Nissan Motor Acceptance (Stewart) - failure to pay arrears of $1601.58

2. IRS filed estimated priority claim 6-1 (NEED AMENDED CLAIM)

3. State of NJ filed estimated priority and unsecured claim 20-1 (NEED AMENDED CLAIM)
(PROPERY ANALYSIS MUST BE REVIEWED AFTER TAX CLAIMS ARE AMENDED)

4. Freedom Mortgage filed arrears claim 15-1 for $317.67 (OK TO PAY?)

5. US Department of HUD filed secured claim 1-1 with zero arrears and is not addressed in plan as unaffected.

6. Trustee objection:
-income verified higher than scheduled amount with $ 3,966.96 disposable net income -
cannot be a 0% plan

- 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 with Court

-CMA should be adjusted to $412,530 as comp #2 closed 11/18/21 (filing date 9/29/2022)
more than 6 months before filing


Plan proposes $1800 x 60 0%
Payments: 2/4 Arrears: $3600

RESOLVED:
-Debtor to provide certification regarding all assets owned by JV Wholesalers LLC or
assets being held by other entities including all vehicles , contracts and notes. The
certification should also include all approximate values of said assets. (RECEIVED)
Matter ResolvedRequest
Adjourment
882/1/2023 10:00 am22-17880 / CMGKarina Pia Lucid, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0  

AS of 1/25/13(mk):email to atty-ok to terms

**CAN REC CONFIRM AT $2,100 PTD, Then $1,229 x 57 Begin 2/1/23 .100%. Preserve Equity T/H of $14,784. OTBS within 14 days by Carnavvan stating TR to pay total of $10,089.30 through the plan
Trustee standard order of distribution
fee application w/in 7 days**

-----------------
work up plan #36

1. St of NJ POC $2,831.07- plan has 1,837. TR pays per POC.

2. Plan has pay Carvana $10,089.30. POC Secured has $8441.79- IF YOU ARE ADDING INTEREST NEED AN ORDER TO PAY AN AMOUNT THAT IS DIFFERENT FROM POC > mk: OTBS on this to pay a total $10,089.30 through plan

3. Trustee objection:
- Trustee order of distribution


Plan:$1050 X29; 1082 X 58 100%
2/3/ payments
Matter ResolvedRequest
Adjourment
892/1/2023 10:00 am22-17916 / CMGJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 3 of 3 required payments   Arrears: $0  

issues as of 1/26/2023 (JMA)

1) 341 not held, not rescheduled
2) Current with Trustee plan payments
3) Leah Schriber (Middlebrooks Shapiro) objection to confirmation - need to resolve
-creditor objects to the apparent undervaluation of their assets


Matter ResolvedRequest
Adjourment
902/1/2023 10:00 am22-17919 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 1/18/2023 (at):

1. Objection filed by Moors Landing HOA (Hill Wallack) - plan is silent as to secured claim in the amount of $52,266.66 (Per POC). Plan proposes to pay $8,025.31 (UNRESOLVED) mk:atty working on resolving

2. Objection filed by SN Servicing/US Bank (Friedman Vartolo) - plan relies solely on loan modification and does not propose to cure arrears in the plan. (RESOLVED - DEBTOR TO MAKE ADEQUATE PROTECTION PAYMENTS AND MODIFY PLAN WITHIN 15 DAYS IF LOAN MOD DENIED AND TRUSTEE IS NOT TO DISBURSE TOWARDS MORTGAGE ARREARS PENDING LOAN MOD)


3. Trustee's objection:
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $796/month for cable/internet/phone
Need proof of excessive expenses 10 days prior to confirmation. (RECEIVED PROOF OF $703/MONTH FOR CABLE/INTERNET/PHONE - DEBTOR HAS 8 PHONE NUMBERS? 6 IPHONES, 2 I WATCHES AND AN I PAD ARE EXCESSIVE)
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service on Moors Landing HOA. (OK. OBJECTION FILED)
- Debtors' attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)

Plan proposes: $310 x 36 beginning 10/1/2022, loan modification within 6 months of confirmation, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
912/1/2023 10:00 am22-17931 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 3 required payments   Arrears: $0  

1/23 workup for 2/1 calendar EDC - Atty ok with terms

* equity reviewed-50% owner so no equity in real estate but still $10,100 equity in accounts and autos.

*** Need to confirm at $798 paid then $282 x 57 beg 2/1/23; Base with a minimum dividend $10,100 to gucs due to non-exempt equity

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

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

Prop Plan $266 x 60 begin 11/1/22; Base
Matter ResolvedRequest
Adjourment
922/1/2023 10:00 am22-18023 / CMGEdward Nathan VaismanConfirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 3 of 3 required payments   Arrears: $0  

issues as of 1/26/2023 (JMA)

1) 341 hearing not held, not rescheduled
2) Not current with Trustee plan payments to date, arrears $335
3) Wells Fargo Bank (Brock & Scott) objection to confirmation - need to resolve
-pre-petition arrears $96,318.94
4) Need to file Pre-Confirmation Certification with Court
Matter ResolvedRequest
Adjourment
932/1/2023 10:00 am22-18169 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $1,000.00  
ISSUES AS OF 1/26/2023 (DM):

1) Must resolve IRS estimated tax claim for 2018, 2019 and 2021 (PRIORITY CLAIM AMENDED TO $20,682.03 - OKAY TO PAY HIGHER CLAIM??)

2) Santander (MORTON) OBJs to cram - plan is not cramming the vehicle but proposing to pay claim in full - need consent order (UNRESOLVED).

3) Trustee OBJ:
- Excessive Expenses - Schedule J: $735 car payment. Requires proof of expenses 10 days before confirmation.
- Disposable income verifies at $2,121 after deducting $147 excessive exp for car.

***RESOLVED ISSUES***

A) NewRez/Shellpoint (MCCALLA RAYMER) OBJs - full arrears of $118,293.93 not paid pending the Loan Mod (AMENDED CO ENTERED 1/19/23 - LOAN MOD BY 2/12/23, NO ARREARS PAID).

B) Trustee OBJ:
- Excessive Expenses - Schedule J: $950 childcare (Okay, both debtor and spouse work and have 2 minor children - 2yr and 4yr).
- Need service to American Express to provide transmittal letter, service done 11/30/22 does not state that transmittal letter was served only mod plan (FIRST PLAN, WITH CRAM PROVISIONS, WAS SERVED WITH TRANSMITTAL LETTER).

Note: 2021 Tax return for spouse and debtor, and bank statements provided. Service to LVNV Funding done. DSO Info sheet provided, and mod plan includes.


Prop. Plan $1,000 x 6, $2,029.79 x 54, Base
- Loan Mod by 4/23
PTD 2/3 = $2,000
Last Claim (6-2)
Matter ResolvedRequest
Adjourment
942/1/2023 10:00 am22-18216 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
4/5/2023 10:00 am
Debtor has made 4 of 3 required payments   Arrears: $0  

issues as of 1/26/2023 (JMA)

1) Deutsche Bank Trust Company Americas (RASC) objection to confirmation - need to resolve
-pre-petition arrears approximately $813,474.12
-debtor is not a borrower on the loan documents and consequently debtor cannot modify a loan they are not a party to.
2) Trustee objection to confirmation - need to resolve
- Settlement Statement for Personal injury suit that settled 6/2022. NOT RECEIVED TO DATE
- Amendments to Schedules Statement of Financial Affairs to list business. NOT FILED TO DATE
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Home maintenance $500, Electricity/heat/gas $600, Water/sewer/garbage $400 and Food $1,200. NOT ADDRESSED TO DATE
- May be moot since plan propose 100%.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): 22c has disposable income $1,074.32 and would require minimum dividend $64,459.20 to gucs.
- The current Plan does not specify treatment of Toms River MUA $2,463.68 and LVNV Funding $702.24. under the Plan.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution
- Add to confirming Debtor to provide non-exempt proceeds from PI case to Trustee.
- Must resolve creditor objection.
- Must file Pre-confirmation certificate.
3) LVNV FUNDING LLC filed secured claim for judgment in the amount of $6,795.40 - not treated in plan


proposed plan $1,000x60 begin 11/1/2022 100% plan with loan modification by 4/1/2023
paid in $3,000
last claim 6-1
Matter ResolvedRequest
Adjourment
952/1/2023 10:00 am22-18267 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0  

issues as of 1/26/2023 (JMA)

1) Trustee objection to confirmation - need to resolve
-2 months bank statements from TD Bank acct ending#8206 prior to filing date, not listed on Sched B, but in acct#6942.
-Amendments to Schedules B to add TD Bank acct#8206
-The debtor has undertaken an improper use of exemption. Specifically: Schedule C over exempts d(5) by $2,500.
-The debtor(s) plan consists of unnecessary or excessive expense items, such as: Home maintenance $225, Electricity/heat/gas $475, Tele/Cell/Cable/Internet $530, Life insurance $331.67, Auto insurance $589.16, 4 car payments $444.64, $430, $254.97 and $178.65.
-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-2 takes excessive expenses on Line 30 for additional food/clothing $77, Line 33d takes additional vehicles expenses $59.55 and $233.72. There would be disposable income $559.37, which would require a minimum dividend $33,562.20 to gucs
-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 Timeshare estimated $3,995 (pending valuation), there is
estimated non-exempt equity $200 for 2019 Kia Sorrento (pending if claim filed), $7,350 for 2015 Jeep Compass, $4,250 for Jewelry, $2,969.01 in TD Bank checking acct#7161, $267.69 in TD Bank checking acct#6942, $3,445.82 in TD Bank checking acct#4676, $849.16
in TD Bank savings acct#2470 and pending bank statements from acct#8206 there is estimated equity in this acct. TOTAL NON-EXEMPT EQUITY $22,807.33
- Need value for whole life insurance policy with Equitable prior to filing date and value of Marriott Vacation timeshare.
- Must file Pre-confirmation certificate. RESOLVED, FILED
2) Wells Fargo Bank filed s
Matter ResolvedRequest
Adjourment
962/1/2023 10:00 am22-18318 / CMGPRO SEConfirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 3 required payments   Arrears: $435.00  
NS 2nd call

AS OF 1/19/2023 (at):

1. 341 has not been held or rescheduled. No docs
2. Payments: 0/3, arrears $435
Matter ResolvedRequest
Adjourment
972/1/2023 10:00 am22-18390 / CMGSteven A Serna, EsqConfirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 3 required payments   Arrears: $0  

As of 1/30/23 (DS): 1. Amended Sched I & J filed 1/27/23 removes Debtor's employment, adds unemployed and removes Co-Debtor's other job w/Fedex. Need proof of income from unemployment. Emailed Debtor atty to inform same.

Recommend confirming at $554.85 x 4 begin 11/1/22; $932 x 56 begin 3/1/23; 100% with a minimum $14,818.29 due to non-exempt equity;
- Trustee standard order of distribution.

1. Trustee obj to the following:
- Need proof of income from unemployment.
- Need Certification from Debtor with respect to $7,500 deposited on 8/17/22 into Chase Bank checking acct#0952 and verification that contributions have been consistently made for the support $1,000 to both Debtors mothers. CERT PROVIDED, TRUSTEE TO REVIEW.
- Disposable income verifies much higher $3,564, pending proof of income from unemployment. BAR DATE HAS PASSED TOTAL GUCS FILED $46,921.35.
- Tax refund $2,046 was not accounted for on Sched I.
- Add to confirming order Trustee standard order of distribution.
- There is non-exempt equity in real property $14,818.29.
- Amended Sched I has Debtor now receiving unemployment income, will need to add to confirming order Debtor to provide updated proof of income 6 months from conf.

Prop Plan $554.85 x 60 begin 11/1/22; Dollar Base $27,000
Note: Amended Sched C filed to remove state exemptions.
Matter ResolvedRequest
Adjourment
982/1/2023 10:00 am22-18410 / CMGJOSEPH ALBANESE, ESQConfirmation Hearing ScheduledContinued
3/1/2023 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,948.00  
issues as of 12/16/2022 (JMA)

1) 341 not held, rescheduled for 1/12/2023 - 341 RESCHEDULED FOR 1/12/2023
2) Not current with Trustee plan payments, arrears $1,948
Matter ResolvedRequest
Adjourment
992/1/2023 10:00 am22-18682 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

AS of 1/20/23(mk):

All Issues Need to be resolved. Does not appear feasible .
1. Objection by Nat'l Cap. Management(Friedman Schuman):
-Loan to Iron Holdings LLC. Debtor signed surety agmt for liability on the loan. debtro signed open ended mtg and security agmt. on Opal Ct prop. And an assignment of rents for the prop. Debtor failed to make payment ot loan maturity. FILED CLAIM FOR 1,448,114.31

2. SECURED CLAIM FILED BY JENNIFER GRIMES on a j'ment ($71,357.77).

3. Trustee Objection:
Plan has sale,LM and refi- PICK 1
- need to address creditor objection as it appears plan is not feasible
-need current market analysis - on the East
Pleasant Grove Rd property.
-2021 tax return
-Modified Plan that propose refinance or loan
mod on Opal Ct property, cannot
propose both.
-excessive expenses such as: PLAN IS 100%. Bar date 1/10/22
Electricity/heat/gas $800, homeowner
insurance $284 (not paid by mortgage?),
Home maintenance $250,
Tele/cell/cable/internet
$520, Food $650, Clothing $200 and
Transportation $600.
- not paying all dispos income into plan:The Trustee's calculations are higher for the following reason (s): Case
is above median, Line 45 has disposable income $4,194.59. Plan pays 100%.
-There is non-exempt equity in both properties.

Plan:$500 x 60 begin 11/1/22; 100%; Sale of E. Pleasant Grove Rd by 11/1/23; Loan mod on Opal Ct by 5/1/23 or Refinance by 11/1/23
2/2payment
Matter ResolvedRequest
Adjourment
1002/1/2023 10:00 am22-18848 / CMGMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledContinued
2/15/2023 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

Confirmation was adj to 2/15/23 on 1/3/23.

As of 1/3/23 (DS): Debtor attorney requested adjournment, 341 sched 1/12/23
Matter ResolvedRequest
Adjourment
1012/1/2023 10:00 am22-19098 / CMGNicholas Fitzgerald, Esq.Confirmation Hearing ScheduledContinued
3/1/2023 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $2.00  
As of 1/26/23 (DS): Debtor atty requested adjournment to resolve State of NJ estimated tax claim

As of 1/26/23 (DS): 1. State of NJ filed estimated tax claim, 2019 and 2021 not filed. Must resolve claim.

==================

1/18/23 (DS): 1. Trustee obj to the following:
- Excessive expenses with car payment $855.24, allowed $588 for 1 car and $1,176 for 2, will deduct the difference on both cars listed on Sched J, which would be $146.24 (MK: says family of 6).
- Proof of income verifies that there is disposable income $1,639.

2. Wells Fargo filed a bifurcated claim, secured $15,050, unsecured $1,729.44 with no arrears owed. Claim needs to be resolved. MK: treat as current and outside- no arrears- claims dept needs to adjust for -0- arrears

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

Prop Plan $854 x 50 begin 1/1/23; Dollar Base $5,000
Note: Spouse 2021 tax return provided. There is no equity on 2018 Maserati Ghibli. IRS tax claim is no longer estimated. Excessive expense for internet/cable cell/tell was amended, so was life insurance, proof provided and is ok.
Matter ResolvedRequest
Adjourment
1022/1/2023 10:00 am22-19124 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledPlan DeniedDebtor has made 0 of 2 required payments   Arrears: $3,526.00  
341 now on for 2/16 and Atty says filing a MP - mark this as denied. MP in 14 days

issues as of 1/25/2023 (JMA)

1) 341 not held, not rescheduled
2) Greene Street Funding Trust (McCalla Raymer) objection to confirmation - need to resolve
-approximate arrears $258,005.94 and a total claim of approximately $1,016,063.13
3) No Trustee plan payments to date, arrears $9,018
4) Need to file Pre-Confirmation Certification with Court
Matter ResolvedRequest
Adjourment
1032/1/2023 10:00 am22-19329 / CMGJose R. Torres Confirmation Hearing ScheduledPlan DeniedDebtor has made 2 of 2 required payments   Arrears: $0  

1/30/23(mk); Atty wants to file a MP and submitted an adj request- emailed him and said No adj. will mark this plan denied and MP IN 14 DAYS( reminder made)

AS of 1/21/23(mk):

1. Objection by Deutsche Bank( RAS):
-plan fails to pay arrears -plan has unaffected

2. Trustee objection:
- need copy of the homeowner's insurance renewal declaration -
What was provided has expired.
-Need proof of insurance for the 2020 Subaru
-Verified income leaves monthly disposable income of $5,897.86.
Per the 22C, monthly disposable income is $4,369 which requires a minimum dividend of
$262,140 to general unsecured creditors or 100% plan
-Need a statement for the second mortgage showing monthly
payment amount.
- Needs pre conf cert

Plan: $1000 X 60 BEG 12/2022; BASE
2/2 payments
BAR DATE 2/1/23
Matter ResolvedRequest
Adjourment
1042/1/2023 10:00 am22-19360 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $1,152.00  
As of 1/20/23 (DS): 341 not held 1/12/23, nod docs provided and no Trustee payments made. Debtor in arrears $1,152, made 0 out of 2 payments, soon 3.
Matter ResolvedRequest
Adjourment
1052/1/2023 10:00 am22-19466 / CMGBRUCE H. LEVITTConfirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 2 required payments   Arrears: $4,446.00  
AS of 1/20/23(mk):

No 341 docs at all
0/2 payments
Matter ResolvedRequest
Adjourment
1062/1/2023 10:00 am22-19473 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

issues as of 1/25/2023 (JMA)

1) 341 not held, not rescheduled - need to contact Trustee to reschedule 341 hearing
2) Current with Trustee plan payments
3) Need to file Pre-Confirmation Certification with Court
Matter ResolvedRequest
Adjourment
1072/1/2023 10:00 am22-19482 / CMGPRO SEConfirmation Hearing ScheduledContinued
3/15/2023 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $100.00  
mk: debtor in touch with the IRS as to the filing of delinquest retruns. She faxed a n adj request. I adj it 3/15/23 and put it on the docket and emailed her with the dispo notes so she can address those as well

issues as of 1/26/2023 (JMA)

1) IRS priority claim estimated for 2019-2022 taxes, unsecured claim estimated for 2016-2019 taxes

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): Proof of 2 month's income - for debtor and non-filing spouse for Oct/Nov.
- A copy of the last filed tax return - 2021 for debtor and non filing spouse statements for Navy Federal Credit Union account for October and September 2022
- Amendments to Schedules Schedule C to specify the dollar amount of each exemption
- Petition in not signed.
- Need to provide proof of renters insurance with personal liability coverage
- Amend Schedule J to remove the $4,200 payment to the IRS, if there is a claim, it will be paid through the plan.
- Schedule I shows debtor has been working at job for 1 month. Was the debtor collecting unemployment in the six months before filing? If so, need to provide proof of unemployment income.
- Need a modified plan that:
- completes Part 5a
- treatment of the rental arrears and IRS claim is either a cure or a cram -cannot be both
- completes Part 8 A, C and D
- Sch D lists Blue Federal Credit Union /2018 Hyundai Kona SE and Lentegrity LLC/2016 Nissan Murano, neither are treated in plan
- Schedule F and Amended Schedule F include general unsecured claims, the plan does not specify treatment of these claims
- Need to file Pre-Confirmation Certification with Court

proposed plan $100x43 begin 1/2023 part 5 none
paid in $100
arrears $100
last claim 11-1
Matter ResolvedRequest
Adjourment
1082/1/2023 10:00 am22-19524 / CMGAndrew B. Finberg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 1 required payments   Arrears: $250.00  
As of 1/24/23 (DS): 1. No payment made for Jan., made 0 out of soon 2 payments.

2. Trustee obj to the following:
- There is non-exempt equity in real property $40,149.74. RECOMMEND WAITING PASS BAR DATE 2/9/23.
- Must provide auto insurance page missing date expires and name of Debtor.
- Must file Pre-confirmation certificate.
- Must resolve creditor objection.

3. Wells Fargo (BROCK & SCOTT) obj to arrears not paid and loan mod being speculative. (mk: order submitted 1/27/23. Terms=LM by 6/1/23 Ap payments to creditr by debtor. If LM is denied or failure to pay AP creditro will seek stay relief and file cert w/ CT

4. The Plan only proposes 12 months, must be 36 months.

Prop Plan $250 x 12 begin 1/1/23; 100% and Loan mod on Stagecoach Rd by 6/1/23
Matter ResolvedRequest
Adjourment
1092/1/2023 10:00 am22-19568 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 1 required payments   Arrears: $0  

AS OF 1/23/23 (SF)

1. Objection filed by PennyMac Loan Services (Powers Kirn) - failure to pay arrears of $92,494.30; speculative loan mod and plan does not appear to be feasible per disposable income.

2. Trustee objection:
- The debtor has insufficient income ; disposable income verifies $ -1,897..
- Need Balance statement of Crypto currency prior to filing date. (Statement provided does not have debtor's name on it)
- PNC Bank acct#1114 shows that there are 2 additional bank accts for over draft
protection#9132 and #2709, not listed on Sched B and C and no statements provided. Need explanation. (Statement for 9132 Received)
- Must file Pre-confirmation certificate.



Plan proposes $250 x 36 Base Loan Mod by 6/1/23
Payments: 1/2 Arrears:



Matter ResolvedRequest
Adjourment
1102/1/2023 10:00 am22-19575 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 1 required payments   Arrears: $300.00  
AS OF 1/23/23 (SF)


1. 341 NOT HELD - MISSING DOCUMENTS
2. NO PAYMENTS: 0/1 ARREARS: $300


Matter ResolvedRequest
Adjourment
1112/1/2023 10:00 am22-19639 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 1 required payments   Arrears: $0  

AS OF 1/24/2023 (at):

1. Objection filed by PennyMac (Powers Kirn) - failure to cure arrears of $3,046.39 (Per POC) (UNRESOLVED)

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification. (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 $5,582.13 in non exempt equity in the residence. (LANGUAGE ADDED - NEEDS REVIEW IF POC IS FILED)
- add to terms that amended claim #2 filed by TD bank will be treated as follows: TR to
pay the secured portion of $2,250 and the unsecured portion of $4,382.68 will be treated with rest of unsecure creditors per the confirmed plan. (LANGUAGE ADDED)

Plan proposes: $290 x 36 beginning 1/1/2023, base
Payments: 1/1
Matter ResolvedRequest
Adjourment
1122/1/2023 10:00 am22-19692 / CMGKevin C. Fayette, EsqConfirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 1 of 1 required payments   Arrears: $0  

As of 1/24/23 (DS): RECOMMEND WAITING PASS BAR DATE 2/16/23 OR CONFIRM AT $1,000 X 2 begin 1/1/23; $2,108 x 58 begin 3/1/23; 100% with a minimum $71,613 due to non-exempt equity

1. Trustee obj to tax refund not listed on Sched I and non-exempt equity in real property $71,613. - RECOMMEND WAITING PASS BAR DATE 2/16/23 TO ALLOW ALL CLAIMS BE FILED.

Prop Plan $1,000 x 60 begin 1/1/23; 100%
Matter ResolvedRequest
Adjourment
1132/1/2023 10:00 am22-19726 / CMGScott D. Sherman, Esq.Confirmation Hearing ScheduledContinued
3/15/2023 10:00 am
Debtor has made 2 of 1 required payments   Arrears: $0  

issues as of 1/26/2023 (JMA)

1) 341 not held, not rescheduled - missing documents
2) Current with Trustee plan payments
3) Freedom Mortgage Corporation (Brock & Scott) objection to confirmation -need to resolve
-pre-petition arrears $2,933.42
Matter ResolvedRequest
Adjourment
1142/1/2023 10:00 am22-19732 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
3/1/2023 10:00 am
Debtor has made 1 of 1 required payments   Arrears: $0  

AS OF 1/19/2023 (at):

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

Payments: 1/1
Matter ResolvedRequest
Adjourment
1152/1/2023 10:00 am22-19735 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 1 required payments   Arrears: $570.00  
AS OF 1/19/2023 (at):

IF A PAYMENT IS MADE, NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT 341 CAN BE HELD ON 2/9/2023.

Payments: 0/1, arrears $570
Matter ResolvedRequest
Adjourment
1162/1/2023 10:00 am22-19757 / CMGMarcia Y. Phillips, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 1 required payments   Arrears: $0  

341 now scheduled for 2/16/23
1/1 payment

>>NEEDS REQUEST TO ADJ THIS CONF HEARING TO A DATE AFTER THE 341 HEARING
Matter ResolvedRequest
Adjourment
1172/1/2023 10:00 am22-19812 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledContinued
3/1/2023 10:00 am
Debtor has made 1 of 1 required payments   Arrears: $0  

AS OF 1/20/23 (SF)

1, Objection filed by First Horizon Bank (Powers Kirn) - failure to pay total debt claim of $30,373.42 and speculative loan mod (No claim filed yet)

2. Objection filed by Rocket Mortgage/Quicken Loans (Carlon) - failure to pay arrears of $92,868.54 and speculative loan mod

3. JPMorgan Chase filed arrears claim 5-1 for $349.18 which is not addressed in plan (OK TO PAY?)

4. Trustee objection:
- Proof of 2 month's income - . December pay stubs for the debtor's new job.
- Need November and December bank statements for Bank of America account #3690.
- A Modified Plan that states mortgage arrears.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$565/month for utilities $740/month for debtor's gas, tolls and repairs. Need proof of excessive expenses 10 days prior to confirmation.
- Verified income leaves monthly disposable income of $1,208.33.
- There is $3534 in non exempt equity in the residence.
- There is $35,997 in non exempt equity in the vehicles.
- There is $3,880 in non exempt equity in the bank accounts.
- Need to file Pre-Confirmation Certification.


Plan proposes $305 x 60 Base w/min $8900 to gucs; Loan mod by 6/1/23
Payments: 1/1

RESOLVED ISSUES:
- Need amended Disclosure Statement. Current statement shows $4750 received with $3000 still due. (AMENDED)
Matter ResolvedRequest
Adjourment
1182/1/2023 12:00 pm18-14335 / CMGJustin M. Gillman, Esq.Motion CompensationOrder Previously SubmittedTotal Paid In: $33,292.00
1/13/23(mk) Revised order for fees outside submitted


1/6/23(mk)

TR Objection
- there are 2 mos left in the case with a balance to complete (not including these fees) of 3,537. That also would require payments of $1,770 x 2 to complete the plan. If fees of 1352.50 is added to the plan balance, then what would be needed is $2,521 x 2.
THIS IS NOT FEASIBLE

Matter ResolvedRequest
Adjourment
1192/1/2023 12:00 pm20-16741 / CMGJustin M. Gillman, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $20,892.00
Matter ResolvedRequest
Adjourment
1202/1/2023 12:00 pm20-16743 / CMGMarc C. Capone, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $52,697.00
Matter ResolvedRequest
Adjourment
1212/1/2023 12:00 pm21-14026 / CMGDaniel E. Straffi, Esq.Motion CompensationNeeds Resolution of Issues - ObjectionsTotal Paid In: $37,185.00
as of 1/6/23

TR objection: arrears in case are $6,040. adding fees of 1600 would make the payment increase to $3,686 per month. This debtor has had an inconsistent pay history

This is a feasibility issue Debtor needs to be current before additional amounts are added to the plan
Matter ResolvedRequest
Adjourment
1222/1/2023 12:00 pm22-16182 / CMGDavid G. Beslow, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $800.00
Matter ResolvedRequest
Adjourment
1232/1/2023 12:00 pm22-18568 / CMGMarc C. Capone, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $900.00
Matter ResolvedRequest
Adjourment
1292/1/2023 3:00 pm22-10941 / CMGRobert Cameron Legg, Esq.AP Summons IssuedJudge to Reserve DecisionTotal Paid In: $2,700.00
AP 22-1379 Brenton vs. NMVC PreTrial
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes