Judge Christine M. Gravelle
Hearing Date: 3/17/2021
Hearing Count: 133
Last Updated: 05-11-2021 06:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
03/17/2021 8:30 am19-30037 / RG BRUCE C TRUESDALE ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 68 of 19 required payments   Arrears: $600.00  Total Paid In: $47,845.00
AS OF 3/11/21 (sf)

RECOMMEND $47,044.86 PTD, $700 X 6 (BEGIN 4/1/21); $1000 X 37 (BEGIN 10/1/21) BASE PLAN W/MIN $16,323 TO GUCS PER N/E EQUITY IN REAL ESTATE; N/E PROCEEDS FROM SALE OF PRIMROSE LANE TO BE TURNED OVER TO TRUSTEE BY 6/30/21
- NATIONSTAR TO BE PAID AT SALE, DO NOT PAY CLAIM

Trustee motion to dismiss case scheduled for 3/17/21 (WITHDRAWN).


MP proposes $46,644.86 PTD, $700 X 7, $1000 X 37, Base, Sale of Primrose Lane, Freehold by 6/30/21
Matter ResolvedRequest
Adjourment
13/17/2021 9:00 am15-31573 / CMGKevin Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
AMT: PIF/PENDING CLOSING<<<>>>

2/16/21(mk): per atty debtor sent $1850 out on Friday . this will complete case- adj 30 days to post

Debtor obj, can make pymt<> FAILED TO PAY PLAN BAL- emailed atty & he is checking with client

>in mo 63- Plan balance $1,711
Matter ResolvedRequest
Adjourment
23/17/2021 9:00 am15-31868 / CMGPAUL N MIRABELLI ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $25,347.00
AMT: MP 3/17<<>>
extending plan due to COVID for 24 mos to pay off at 125 p/m. Covid cert and Amended I & J also filed. income is only debtor's unemployment.

12/29/20: atty reply- debtor out of work due to COVID- needs a little time

12/28/20: Plan balance $2,736.62. Plan is in month 61. sent email to atty.


FAILED TO PAY PLAN BALANCE/PLAN EXPIRED
Matter ResolvedRequest
Adjourment
33/17/2021 9:00 am16-11049 / CMGROBERT C NISENSON ESQCreditor Certification of DefaultContinued
4/7/2021 9:00 am
Total Paid In: $69,938.00
Debtor obj, current<>CALIBER HOMES ( Stern & E)
Matter ResolvedRequest
Adjourment
43/17/2021 9:00 am16-14578 / CMGJONI L GRAY, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
3/4/21(mk) paid off

2/1/21mk): per atty debtor will make payment in Feb and the pay off rest in March . Atty will request adj to 3/17/21

2/1/21(mk): Cert as to no pursuit or expected recovery from lawsuit uploaded under post 341 Litigation docs. Only 1 mo left in plan & plan balance is 1,415.50

Debtor obj, can make pymt<> ARREARS; NEEDS TO PROVIDE STATUS OF POTENTIAL LAWSUIT

1/31/21: atty email. Payment made- debtor current thru Jan. & Cert Re: Status of potential Law suit uploaded( AMT: CERT ATTACHED)

>>PLAN IS MO 59 AS OF FEB.
Matter ResolvedRequest
Adjourment
53/17/2021 9:00 am16-15423 / CMGANDRE KYDALAMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/21/2021 9:00 am

3/15/21: Adj to 4/21/21 to pay off.

3/11/21(mk) Email to atty re;what's proposal to pay this off?

3/8/21(mk): We are in mo 60. Plan balance is $4,464.16- just need to know what the intent is as to time frame to pay this off. A. Kydala now substituted in case for son (estate rep- has letters of Administration) of debtor

12/14/20:email to debtor's atty & A. Kydala. REPLY- Will be seeking Letter of Admin. - need time for Surrogates office /etc.

12/9/20: Response (By debtor's son- Rep. By A.Kydala) filed- Debtor (Dad)has passed away - family wants to complete the plan. Money orders totally 4,606 which is arrears amt) sent in- wait to see when they post.

Only 3 mos remain in case. if those money orders post then recap would be around 1,766 x 3, begin 1/1/21


Debtor obj<>ARREARS; FEASIBILITY
Matter ResolvedRequest
Adjourment
63/17/2021 9:00 am16-15705 / CMGSTACEY L MULLEN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
3/10/21: paymentposted

3/9/21(mk): atty sent proof of electronic payment- should hit 3/10 or 3/11 then can w/d motion.

3/5/21: Atty email - debtor making last payment to complete 3/9/21.

3/4/21(mk) : Made $621 payment 2/25/21:Plan balance now $606

2/22/21(mk): made payment in Jan 3,115.50. Plan balance to complete now 1,227

Debtor obj, can pay<> ARREARS

mk: plan at 60 mos in March. Debtor trying to pay balance off.
Matter ResolvedRequest
Adjourment
73/17/2021 9:00 am16-23473 / CMGPAUL H YOUNGMotion Relief from Stay (Fee)Continued
4/21/2021 9:00 am
Total Paid In: $14,012.00
Debtor obj, made pymts<>WILMINGTON SAVINGS (HLADIK, ONORATO)
Matter ResolvedRequest
Adjourment
83/17/2021 9:00 am16-24464 / CMGWilliam H. Oliver, Jr., Esq.Financial Management CourseGranted
REQUEST FOR EXEMPTION FROM FIN MANAGEMENT COURSE


>>need Form of order for this- emailed atty 3/16/21- they will submit an Order


>>ORDER IS FILED AS SUPPORT AT DOCKET #155
Matter ResolvedRequest
Adjourment
93/17/2021 9:00 am16-25935 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/7/2021 9:00 am
Total Paid In: $27,009.00
Debtor obj, will bring current<>3/11/21(mk): ARREARS $2,390. 5 mos left in plan.
>>Atty email says can bring current by end of march- expecting commission ck


(2) Creditor's cert of default(Santander) on 4/7/21.
1 on 7/5/18 Order & 1 on8/30/19 Order.
Matter ResolvedRequest
Adjourment
103/17/2021 9:00 am16-32333 / CMGROBERT C NISENSON ESQMotion Sell Free and Clear of Liens under 363(f) (FEE)Order Previously SubmittedTotal Paid In: $19,887.00
3/15/21(mk): Revised Order submitted

3/10/21(mk: Filed supple objection for protection.

3/4/21(mk) Attt email - has new K and filed supple pleadings & new PPSD Order(emailed to Chambers)
Review. shows the following:
--K of sale $210,000(higher than prior K-cert says legal fee 3,000- this is more than flat fee judge allows(max 2500 w/o debtor attty making a fee app- but it's 100% payoff of plan balance). 5% realtr com. Keller Williams was the retained realtor - Order has Reliable Realty- needs Explanation-Pay off Us Bank & North Point Condo Assoc. Debtors NOT taking exemption and says pay plan off at 100%.PPSD Order has Parg 6 has 2nd box cked for proceeds to pay off plan- but at 100% that's about 10,000or less if Cond assoc unsecured claim is paid off at sale.
------------------------------------

2/16/21(mk): Email form atty - (there had been Order submitted on this BUT buyers trying to back out - will request adj. for 2 weeks

2/10 AMT: North Pointe Hollow limited obj (Stark & Stark)

1/22/21(mk);Revised order submitted resolves Tr & Creditor objections - OK

SN Servicing limited obj (Friedman Vartolo)<>1907 SCHLEY AVE.
requests add'l provision for sec creditor to be pd in full per payoff at closing & no further pymts form TR to creditor

last Confirmed 3/2019 at base.w/ a LM. plan has Run 50 mos

TR Obj. :Order in sale motion (#102)& Notice (#103)of Priv sale in conflict as to atty fee. Notice has 3500 and Order has 2500. Plan can't complete early unless at 100%.
1/21/21: another notice of priv sale filed(#107) corrects amt of flat fee for atty to 2500-OK
Matter ResolvedRequest
Adjourment
113/17/2021 9:00 am16-34324 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $92,281.00
3/16/21(mk):ARREARS $13,987as of 3/10/21. Reg. plan payment is $3,317 and debtors have been paying 2500
Matter ResolvedRequest
Adjourment
123/17/2021 9:00 am17-16819 / CMGEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $12,779.00
3/16/21(mk) $640 posted today RECAP Is $11,738.68 PTD(47 mos) Then $862 x 13 Begin 4/1/21.email to atty- OK TO TERMS

3/15/21: atty says pd 640 today- see if posts tomorrow and then do recap

3/11/21(mk) No further payment posted yet-atty is looking into it

3/9/21:atty email. payment made yesterday $320and will make another $320 on March 15. Them wants recap. NEED PAYMENTS TO POST THEN RECAP

As of 3/2/21(mk): ARREARS 3,666.32. Last payment for $560 posted 3/1/21.


>>mk: Atty email says debtor Covid affected- moved and did not receive papers and firm had invalid email for her RS got her on telephone. She may either file COVID extension or convert to Ch 7. Motion adj 30 days and atty will advise which path
Matter ResolvedRequest
Adjourment
133/17/2021 9:00 am17-17285 / CMGKirsten B. Ennis Creditor Certification of DefaultContinued
4/21/2021 9:00 am
Total Paid In: $27,870.00
Debtor obj, filing MP<> WELLS FARGO (Shapiro)

TR ARREARS MTD 4-21
>>MP on 4/21/21<<
Matter ResolvedRequest
Adjourment
143/17/2021 9:00 am17-22453 / CMGMarc C. Capone, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO PAYOFF PLAN
Matter ResolvedRequest
Adjourment
153/17/2021 9:00 am17-23076 / CMGROBERT C NISENSON ESQMotion Motion (Generic) - Only use if no other event is applicableOrder to be SubmittedTotal Paid In: $9,400.00
Trustee limited obj<>MTN TO ALLOW DEBTOR TO PURCHASE PROPERTY

>>3/15/21: Docs submitted per Tr objection- OK but need revised Order that says HUD to TR w/in 7 days

3/12/21(mk); Atty says just filed 2 more certs in support.1 on prop settlement agreement & other on financing. Also amended I & J. Has not hit my docket yet . Will review and advise atty on Monday 3/15/21.
Matter ResolvedRequest
Adjourment
163/17/2021 9:00 am17-25333 / CMGJOSEPH J ROGERS, ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $20,445.00
Debtor obj<>FIRST GUARANTY MTG (PARKER McCAY)
Matter ResolvedRequest
Adjourment
173/17/2021 9:00 am17-29033 / CMGWilliam H. Oliver, Jr., Esq.Motion SellOrder to be SubmittedTotal Paid In: $20,605.00
3/17/21(mk):atty agreed exemption not proper byt Order still has it in there and no Amended C filed. needs fee app for 3500 fe. atty making motion to sever Daniel and claims belonging only to him from case.


915 ROUTE 9, UNIT 1

TR objection
-appl to retain realtor filed after Tr obj.
needs to address remaining parts of TR obj.

>>3/16/21(mk): atty says filed a motion to sever as deceased Debtor Daniel Balance has 3 individual claims. objects to TR saying 3500 is too high for commercial sale- ( This is a storage unit) but says will file a fee application. Wants order to say pay off balance of plan- but now that will change so wants Order calling for proceeds form sale in amount to pay off plan be held in Trust account pending further determination- NEEDS AR REVIEW
Matter ResolvedRequest
Adjourment
183/17/2021 9:00 am18-13154 / CMGSTEVEN J ABELSON, ESQCreditor Certification of DefaultContinued
4/7/2021 9:00 am
Total Paid In: $36,388.00
Debtor obj<> ALLY (Lavin, Cedrone)

3/15/21;Adj to 4/7/21 request uploaded : working on resolution.
Matter ResolvedRequest
Adjourment
193/17/2021 9:00 am18-13154 / CMGSTEVEN J ABELSON, ESQTrustee Certification of DefaultContinued
4/7/2021 9:00 am
Total Paid In: $36,388.00
3/16/21(mk); Atty sent check - adj to post

Debtor obj, making pymt<> ARREARS $3,026 as of 3/11/21

Opp'n says atty has funds in Trust Acct - NEED TO POST BEFORE MOTION IS W/D
Matter ResolvedRequest
Adjourment
203/17/2021 9:00 am18-18267 / CMGTHEODORE M COSTA, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/7/2021 9:00 am
Total Paid In: $31,027.00
3/17/21(mk):March payment has posted: RECAP as of today is $31,027 PTD(35mos) Then $1,044 x 25, begin 4/1/21. EWAGE- email to atty


3/4 AMT: PPSD RECAP - $28,527 PTD (34); $991 (MARCH);$1,100 X 25 BEG 4/1/21; EwAGE (EMAIL TO ATTY)<<<>>>

As of 3/2/21:ARREARS $4,383. There was recent pymt $3000 posted on 2/3/21.

ARREARS
Matter ResolvedRequest
Adjourment
213/17/2021 9:00 am18-19788 / CMGPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $137,099.00
3/15/21(mk): Payments posted as of now only March Payment is due.

Recap is $132,529 PTD(34 mos) Then $4,570 x 26 begin 4/1/21.- DEBTOR OK TO TERMS
Matter ResolvedRequest
Adjourment
223/17/2021 9:00 am18-20511 / CMGRONALD E NORMAN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $18,175.00
TR Motion & Mp was adj to 3/17/21. >>HR<<

AMT: MP 2/17<< INCOMPLETE DOCS/ ISSUES NEED RESOLUTION<>>>

1/5/21:(MK): MP (#41) filed today. COVID EXTENSION

Debtor obj, filing MP- COVID Affected<>

as of 11/13/20:ARREARS $4,328. last pay 4/3/20.
Matter ResolvedRequest
Adjourment
233/17/2021 9:00 am18-21142 / CMGWilliam H. Oliver, Jr., Esq.Motion SellOrder to be SubmittedTotal Paid In: $6,679.00
218 PAULISON AV

2/25/21:TR Objection

3/16/21(mk): aty email says a copy od HUD was requested for Re atty as their office did not handle the closing-- HAS CLOSING HAS ALREADY OCCURED?
atty says Regarding the proceeds, to the extent there are enough proceeds to pay off the plan as confirmed, that is what we would like to do. To the extent there are additional proceeds, we do not believe they are property of the estate.
mk: plan was confirmed w/ no sale of RE and at 0%. No info was provided on the mtg lien held by the private person and Oliver's office filed the claim on behalf of the creditor. We need this info. and plan balance should be paid off at 100%.
Matter ResolvedRequest
Adjourment
243/17/2021 9:00 am18-24073 / CMGKirsten B. Ennis Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $40,227.00
Debtor obj, paying arrears<>RUSHMORE LOAN (Pluese Becker)


TR motion to Dismiss on 4/21/21. arears as of 3/8/21 $4,988. Last pay 1/15/21.
Matter ResolvedRequest
Adjourment
253/17/2021 9:00 am18-24911 / CMGJonathan Stone, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $12,643.00
3/15/21(mk): Order submitted today.

3/12/21(mk: Status Change filed- Sellted.


Debtor obj, selling home<>SELECT PORTFOLIO (FEIN, SUCH)


TR Motion on 3/17/21.
Matter ResolvedRequest
Adjourment
263/17/2021 9:00 am18-24911 / CMGJonathan Stone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/5/2021 9:00 am
Total Paid In: $12,643.00
MK: OTBS on MFR w/ Select Portfolio also on 3/17/21. Pays post pet payment due to creditor.
atty requests 1 more adj to retain realtor & file MP

>>NEEDS TO RETAIN REALTOR AND NEED STATUS OF SALE - NEED TO FILE MP TO SELL

3/2/21(mk); Listing agreement uploaded today

1/28/21: Debtor now current. adj requested to list prop & file MP

Debtor obj, making pymt; selling home<> FAILED TO FILE MP WITHIN 14 DAYS OF 9/16/20 ORDER #47; FAILED TO REFINANCE BY 11/14/19; ARREARS



Matter ResolvedRequest
Adjourment
273/17/2021 9:00 am18-25371 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $8,209.00
AMT: 3/17 MP<< HR<>>>

2/12/21: per atty email MP COVID Ext. filed toady - has not hit our docket yet but is on pacer

Debtor obj, filing MP (covid)<>ARREARS 3,216 as of 2/11/21.
Matter ResolvedRequest
Adjourment
283/17/2021 9:00 am18-27548 / CMGROBERT BRAVERMANMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/19/2021 9:00 am
Total Paid In: $9,568.00
3/16/21: MP marked plan denied & file new plaN IN 14 DAYS. ADJ tr MOTION TO 5/19/21

mk: MP On for 3/17/21. >>REC DENIAL <<
COVID extend

Debtor obj<>ARREARS $4,998
Matter ResolvedRequest
Adjourment
293/17/2021 9:00 am18-27680 / CMGYAKOV RUDIKHMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $15,203.00
3/11/21(mk) CO submitted to Chambers today.

JPMORGAN CHASE (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
303/17/2021 9:00 am18-28131 / CMGAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $26,469.00
Debtor obj, made pymt requests recap<> ARREARS 1,665. last pay 2/25/21.

mk: as of 3/8/21: PTD 25,180(30 mos) then $1,289 x 30 begin 4/1/21. EWage..email to atty - OK TO TERMS
Matter ResolvedRequest
Adjourment
313/17/2021 9:00 am18-28556 / CMGNICHOLAS FITZGERALD, ESQMotion File Claim After Claims Bar DateDenied
Debtor obj<>US DEPT HUD MTN TO ALLOW LATE FILED CLM
Matter ResolvedRequest
Adjourment
323/17/2021 9:00 am18-30484 / CMGJOSEPH I WINDMAN, ESQMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $31,892.00
3/16/21(mk) Order submitted today.

3/12/21(mk) PER DEBTOR ATTY: >>>awaiting verification of current mortgage payments from bank attorney and expect to enter into Consent Order <<


WILMINGTON SAVING (HILL WALLACK).
>>PP arrears $5,574.72 attys fees & costs as of 2/3/21.


MP (#37)on for 4/7/21. Mp says in part 9 to provide Ally def. claim as guc due to surrender of 2011 Hyundai- BUT PLAN DOES NOT SURRENDER IT in 4e. Ally not mentioned in the MP

TR Motion on 4/21/21.( Arrears & Ally SV)
Matter ResolvedRequest
Adjourment
333/17/2021 9:00 am18-30935 / CMGRobert Manchel, Esq.Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $18,568.00
3/11/21: debtor atty email :says OTBS

3/1/21(mk):atty says still waiting for creditor reply if they will offer debtor's a LM. WANTS ANOTHER ADJ- told him can give him 2 weeks if has consent but that's it

2/11/21: STATUS? IS THIS RESOLVED? >.Atty reply- creditor atty waiting for confirmation from client that they rec'd debtor's final trial LM Payment& will offer perm LM

1/15/21:Adj requested: wants 30 days for NewRez to confirm approval of LM. Last payment on trial was Dec.



SHELLPOINT MTG (STERN LAVINTHAL & FRANKENBERG)

Debtor opp'n filed- in a trial LM- says will include Post pet arrears ...?
Matter ResolvedRequest
Adjourment
343/17/2021 9:00 am18-33956 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $12,180.00
MP (#27) ON FOR 3/17/21*** HR***

Debtor obj, filing MP (covid)<> ARREARS
Matter ResolvedRequest
Adjourment
363/17/2021 9:00 am18-35302 / CMGYAKOV RUDIKHTrustee Certification of DefaultTrustee OrderTotal Paid In: $3,562.00
Debtor obj, making pymt<> ARREARS .

>debtor Opp'n said was mailing payment of $844 on 3/2/21.

3/11/21(mk) Payment posted for $844,

>>The MFR on 3/17/21 was resolved and COTBS- so as long as there are no post pet arrears added to plan:So terms for TR order would be $3,344 PTD(27 mos) Then $218 x 33, Begin 4/1/21
>>atty ok to terms
Matter ResolvedRequest
Adjourment
353/17/2021 9:00 am18-35302 / CMGYAKOV RUDIKHMotion Relief from Stay (Fee)Consent Order to be SubmittedTotal Paid In: $3,562.00
3/11/21(mk) Email from creditor- COTBS

JPMORGAN CHASE (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
373/17/2021 9:00 am19-10949 / CMGYAKOV RUDIKHTrustee Certification of DefaultContinued
4/7/2021 9:00 am
Total Paid In: $3,325.00
Debtor obj, new job, can make pymts<> ARREARS $700 as of 3/16/21. last pay 11/16/20and before that no pay for 6 mos.

>>atty uploaded proof of payment 1,100 on 3/5/21 & 350 on 3/11/21. NOTHING HAS POSTED AS OF 3/15/21.
Matter ResolvedRequest
Adjourment
383/17/2021 9:00 am19-11349 / CMGSTEPHANIE RITIGSTEINMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $13,543.00
3/4/21(mk): MP on 3/17/21 --HR

12/12/20: atty wants to try to refi - wants adj to file MP
AR says RE is encumbered by 2 mtgs and a lien- may not be viable but will give a chance

11/30/20(mk): Creditor( L. Egerman, Esq.) email:Selene has advised that the account was fully reviewed today and the loan mod was denied because the debt-to-income ratio was too high (51.94%); the threshold for DTI is 35%. In part this is because the deferred principal balance under the 2010 HAMP ($129933.71) must be included. The denial letter will not be available for a few days but a copy will be provided to debtor and DC when available.

11/28/20: mk: AR emailed attys- No adj- need to appear if not resolved.

10/20/20: atty reply from lender- all backlogged- need more time for LM review

10/2/20(mk): mk email to atty for status. Reply- Bank told debtor will have answer by 10/14/20.

9/1/20(mk):debtor submitted the additional docs. Atty trying to confirm package is in underwriting, Reached out to bank's counsel

Debtor obj<>FAILED TO LM BY 12/1/19

debtor says:1st LM denied Appeal filed which is pending. Current w/ TR & Post pet. mtg payments.
Matter ResolvedRequest
Adjourment
393/17/2021 9:00 am19-14041 / CMGJoseph Casello, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $7,880.00
Debtor obj<>MORTGAGEE, POLICE AND FIREMEN'S (PLUESE)
Matter ResolvedRequest
Adjourment
403/17/2021 9:00 am19-14537 / CMGJACQUELINE R ROCCI ESQCreditor Certification of DefaultOrder to be SubmittedTotal Paid In: $15,698.00
Debtor obj, made pymt<> US BANK (Friedman Vartolo)

3/16/21:OTBS:Debtor to get post petition current by 3/31/21. 30 day default.

Matter ResolvedRequest
Adjourment
413/17/2021 9:00 am19-15546 / CMGNICHOLAS FITZGERALD, ESQTrustee Certification of DefaultContinued
5/5/2021 9:00 am
Total Paid In: $3,466.00
Debtor obj, just returned to work<> ARREARS as of 3/10/21 $1,174. Last pay 10/19/21.

>>Atty email. Debtor needs time to get current. getting a tax refund and as soon as received she can pay up.
Matter ResolvedRequest
Adjourment
423/17/2021 9:00 am19-15797 / CMGSTACEY L MULLEN, ESQMotion Relief from Stay (Fee)Continued
4/7/2021 9:00 am
Total Paid In: $28,068.00
3/12/21(MK) request uploaded to adj 2 weeks to resolve.

Debtor obj, cured arrearage<>ONEMAIN FINC (BERNSTEIN-BURKLEY)
2010 Toyota.
Matter ResolvedRequest
Adjourment
433/17/2021 9:00 am19-16714 / CMGCANDYCE I SMITH-SKLAR, ESQTrustee Certification of DefaultContinued
5/5/2021 9:00 am
Total Paid In: $19,007.00
3/15/21(mk): atty had proof of 2 money orders sent total $2,000- wants recap- Told atty will adj to 5/5/21 for payments to be current & for status on Sale of RE( per conf order was to be sale by 4/30/21).


Debtor obj, making pymt & requests recap<> ARREARS $3,249 as of 3/10/21. email to atty.

>>last payment was oct.2020- needs to make recent payment, then recap.
Matter ResolvedRequest
Adjourment
443/17/2021 9:00 am19-17201 / CMGSTEVEN N. TAIEB, ESQ.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $7,350.00
Debtor obj, wants to roll into plan<>SLS (kml)
SPECIALIZED LOAN (KML)

3/8/21(mk): Order submitted today. Adds PP arrears 44,850.28 into plan and atty fee 350 188 costs. MP w/in 20 days
Matter ResolvedRequest
Adjourment
453/17/2021 9:00 am19-17487 / CMGJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Continued
4/7/2021 9:00 am
Total Paid In: $25,920.00
RAVENS CREST EAST CONDO (CUTOLO BARROS)

Debtor obj.-says has made all PP payments.
Matter ResolvedRequest
Adjourment
463/17/2021 9:00 am19-18445 / CMGDANIEL L. REINGANUMTrustee Certification of DefaultWithdrawnTotal Paid In: $38,382.00
Debtor obj, restoring TFS<>ARREARS CURED. Motion W/D.
Matter ResolvedRequest
Adjourment
473/17/2021 9:00 am19-21588 / CMGSTEPHANIE RITIGSTEINMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $6,300.00
MP on 3/17/21***Honor Roll***

Debtor obj, filing MP>>

1/27/21(mk) atty email- does not want to have POC 6-1 treated as secured. Told her file a MP and chg treatment to unsecured per the filed claim

PLAN will not complete within confirmed length of 60 mos. b/c:
1.An order curing arrears (6705.84 in June 2020 #39)- was to file MP w/in20 days) and/or adding supplemental attorney fees (1/7/21added fees $1514.54) has been added to the plan.

2. debtor failed to file a feasible plan.

3.Failed to amend Proof of Claim or file order providing for Foxmoor #6-1 to be paid as secured within 30 days of 4/21/20 confirmation.
Matter ResolvedRequest
Adjourment
483/17/2021 9:00 am19-21637 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/5/2021 9:00 am
Total Paid In: $11,419.00
Debtor obj, filing MP<>failed to complete the sale of Farragut Avenue property by 12/1/20

3/15/21: MP filed today
Matter ResolvedRequest
Adjourment
493/17/2021 9:00 am19-21954 / CMGPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $13,425.00
MK: MP on 3/17/21>>HR<

3/8/21; made feb payment. just owes March payment .

1/14/21(mk): arrears now 1,221 Last pay in Nov and need to verify if car was surrendered. Correspondence to debtor to appear on 1/20/21 and included ct solutions instructions.

12//31/20: J. Morton making inquiry if vehicle was returned

mk: sent email to J Morton on 12/18/20- He has SV- what's status of auto- did she return it?
Debtor is pro se so . no email address, need correspondence

Debtor obj(#63)<>SV/HYUNDAI

-debtor letter doc#62- she surrendered car.
Matter ResolvedRequest
Adjourment
503/17/2021 9:00 am19-23753 / CMGDaniel Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/21/2021 9:00 am
Total Paid In: $4,200.00
3/11/21(mk): NEED STATUS OF LM. trial loan completed- waitng to hear from bank

11/13/20: Atty email .Debtors have trial LM 1st of 3 payments is Dec. 1.

FAILED TO LM BY 2/1/20.

Debtor Opp'n- LM is under review- Order extending LM to 11/9/20 entered 8/18/20.
Matter ResolvedRequest
Adjourment
513/17/2021 9:00 am19-24078 / CMGMAUREEN VELLAMotion Relief from Stay (Fee)GrantedTotal Paid In: $49,681.00
USB LEASING LT (McCALLA RAYMER)

>2016 GMC
Matter ResolvedRequest
Adjourment
523/17/2021 9:00 am19-28103 / CMGFrances A. Tomes, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $4,915.00
SV/PHH; FAILED TO PROVIDE TRUSTEE WITH A COPY OF 2019 FED TAX RETURN BY 5/1/20.

ARREARS $3,210 as of 3/11/21 .last pay12/23/20.
Matter ResolvedRequest
Adjourment
533/17/2021 9:00 am19-31145 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
5/5/2021 9:00 am
Total Paid In: $16,123.00
Debtor obj<>BB 316 INVESTMENTS (TAYLOR AND KEYSER)

adj request to MP to sell RE
Matter ResolvedRequest
Adjourment
543/17/2021 9:00 am19-31624 / CMGGary D. HoffmanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $3,953.00
3/17/21(mk) As of today RECAP IS $3,599.72 PTD(16 mos) Then $362 x 44 begin 4/1/21.
email to atty

3/8/21. No payment made yet. arrears now $949.70. last pay 1/13/21. sent email to atty.

3/2/21::adj 2 weeks to be current.

2/26/21: Atty email reply says debtor made payment in full yesterday . see if posts then W/d

2/25/21: LM Granted- Arrears as of today $596.70- email to Atty
Recap $2,999.72 PTD(15 mos) Then $367 x 45 Begin 3/1/21.

2/11/21(mk): Motion to Approve LM filed- obj date is 2/24/21. Will adj this motion to 3/3/21 and the W/D when LM motion granted- ALSO TR ARREARS AS OF TODAY $596.70

1/14/21(mk): Need Status of LM. Atty reply: Got LM - needs to make motion to approve it

Debtor obj, filed extension<>FAILED TO OBTAIN LM BY 7/31/20

>>Atty email debtors have Trial LM & will get final by end of Jan
Matter ResolvedRequest
Adjourment
553/17/2021 9:00 am19-33391 / CMGEUGENE ROTH, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/21/2021 9:00 am
Total Paid In: $1,523.00
Debtor obj<>FAILED TO SELL DIAMOND LANE PPTY BY 11/20/20; 12/2/20 MFR WAS "OTBS", NO ORDER ENTERED

3/11/21: atty email: RE needed repairs in Order to be ready for sale. will be done w/in a week or 2. Then prop. will be listed for sale. Sale will result in 100%
asked atty re: Order on MFR- Atty said issue as they dealt w/ Joe Devine at Shiller- I told them to contact Richard Gerbino, esq at Shiller Knapp.
Matter ResolvedRequest
Adjourment
563/17/2021 9:00 am19-33564 / CMGCHARLES D WHELAN, IIIMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $18,996.00
Debtor obj<>SELECT PORTFOLIO (MILSTEAD & ASSOC)

3/15/21:OTBS. bring PP arrears current by 3/31/21.
Matter ResolvedRequest
Adjourment
573/17/2021 9:00 am20-10231 / CMGAngela Nascondiglio Stein Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $2,484.00
AMT: MP 3/17 ***Honor Roll***

2/23/21: MP filed to address late claim & has CO on it & extend LM

FAILED TO LM BY 10/1/20;
NEEDS TO ADDRESS LATE FILED/PARTIALLY ESTIMATED NJ DIV TX CLM #13-1(CO entered in Jan 2021)

>>Debtor opp'n; working with the State of NJ to address the late filed claim
and estimated amounts. Debtor is also still applying for a loan modification.
will file a Modified Plan accordingly
Matter ResolvedRequest
Adjourment
583/17/2021 9:00 am20-10819 / CMGWarren Brumel, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $12,444.00
Debtor obj<>NISSAN MOTOR (STEWART LEGAL)

3/8/21: Order submitted today. cure arrears directly to creditor.
Matter ResolvedRequest
Adjourment
593/17/2021 9:00 am20-11780 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/5/2021 9:00 am
Total Paid In: $4,200.00
3/12/21: NEED STATUS OF RE SALE. Atty Reply:working on filing the Motion to Sell. Just got approval from IRS to agree to allow sale free and clear of federal tax lien. We submitted adjournment request to give us more time to resolve the other liens and clean up the NJ APOC issue. Was waiting to file a Modified Plan until after the sale was complete so we can address what is left over after sale as some liens may receive partial payment.

3/4/21: Appl. for appt. realtor was filed.

1/15/21: adj request uploaded. Has K for sale of RE - needs to file motion. debtor current

1/14/21(mk: NJ filed APOC #13-2(secured $18,862.56). Original claim was late filed and NO MP filed yet

12/17/20(mkL) Atty email- will be filing Opp'n. debtor has RE listed & offers pending. NJ in process of amending POC. Will upload adj request for 30 days.

Debtor obj, filing MP<>FILED TO COMPLETE SALE OF LAKESIDE DRIVE & DEBTOR NEEDS TO ADDRERSS NJ DIV. OF TAX'S LATE FILED CLIAM #13-1 WHICH MAY AFFECT FEASIBILITY.
Matter ResolvedRequest
Adjourment
613/17/2021 9:00 am20-12220 / CMGDaniel Straffi, Esq.Creditor Certification of DefaultContinued
4/21/2021 9:00 am
Total Paid In: $5,033.00
3/15/21: creditor uploaded request to adj. to allow review of Loss mit

Debtor obj<>CENLAR/ALLY BANK (Powers)

>TR Motion on 3/17/21

MP Filed 1/13/21:trying to extend LM period. If denied, plan then calls for sale/refi
Matter ResolvedRequest
Adjourment
603/17/2021 9:00 am20-12220 / CMGDaniel Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/21/2021 9:00 am
Total Paid In: $5,033.00
MP adj to 4/21/21 as Creditor Cert was adj -they need more time to review LM

MP adj. to 3/17/21.>>ISSUES/NEED RESOLUTION<<

2/12/21: MP on 2/17/21>>ISSUES NEED RESOLUTION>>

> Creditor Cert of Default(Powers) on 2/17/21


debtor in final LM review

1/13/21(mk): Mp filed. Hearing ON 2/17/21.

trying to extend LM period. If denied, plan then calls for sale/refi

Debtor obj, can pay $500 & requests recap<>FAILED TO LM BY 10/1/20; ARREARS


Matter ResolvedRequest
Adjourment
623/17/2021 9:00 am20-13135 / CMGMICHAEL MCLAUGHLINMotion Sell Free and Clear of Liens under 363(f) (FEE)Order Previously Submitted
3/12/21(mk): Revised Order submitted today. Plan pay off form sale proceeds at 100%.

US Bank response( Mccalla)<>131 PEACHCROFT DR

TR Limited obj- Order needs to provide all NE proceeds to TR.

3/11/21(mk); Atty to do revised order that states plan balance to be paid at 100$ for sale proceeds - then we are covered
Matter ResolvedRequest
Adjourment
633/17/2021 9:00 am20-14015 / CMGDaniel Straffi, Esq.Motion Dismiss CaseContinued
4/7/2021 9:00 am
Total Paid In: $6,075.00
Debtor obj<>DEUTSCHE BANK MTN TO DISMISS OR FOR STAY RELIEF (kml)

>No LM - file closed 12/1/20. there are PP arrears $6,147.98

**MP filed & On 4/21/21. It attempts to extend the time for a LM...
Matter ResolvedRequest
Adjourment
643/17/2021 9:00 am20-14542 / CMGPETER E ZIMNIS, ESQMotion Relief from Stay (Fee)Continued
4/7/2021 9:00 am
Total Paid In: $1,200.00
CENLAR (STERN LAVINTHAL)

3/16/21(mk: creditor request to adj as debtor has a pending appeal on their LM

3/12/21(mk): per debtor's atty- made proposal to creditor. Waiting to hear back.
Matter ResolvedRequest
Adjourment
653/17/2021 9:00 am20-15365 / CMGEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/7/2021 9:00 am
Total Paid In: $2,388.00
3/16/21:(mk) Have a CO circulating- just needs signatures- extends LM to 5//15/21, Adj 2 weeks for CO to be entered.

MK; Atty working on resolving w/ creditor atty (M. Cozzini of Stern Lav.)

Debtor obj<>FAILED TO LM BY 11/30/20; FAILED TO FILE CONS ORDER RESOLVING NEW REZ OBJ WITHIN 14 DAYS OF 10/7/20 CONF
Matter ResolvedRequest
Adjourment
663/17/2021 9:00 am20-18737 / CMGRobert Manchel, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $2,982.00
Debtor obj<>NISSAN MOTOR (STEWART LEGAL)

3/11/21(mk): CO Submitted to chambers today
Matter ResolvedRequest
Adjourment
693/17/2021 9:00 am20-20931 / CMGMICHAEL P OTTO ESQApplication for RetentionGranted
3/16/21(mk) per atty otto- this is now unopposed.

3/3/21:Judge to hear at 2:00 w/Adv. Pro. Summary Judgment Motion

NR Deed obj ( Kraemer Burns)<>APPLICATION FOR RETENTION OF REALTOR

(Mk):NR Deed purchased RE by Tax sale. says debtor does not own it.
MFR also on 3/3/21

Adv pro filed by debtor vs. NR Deed.
Matter ResolvedRequest
Adjourment
683/17/2021 9:00 am20-20931 / CMGMICHAEL P OTTO ESQMotion Relief from Stay (Fee)Withdrawn
3/16/21(mk): per atty Oto- mark as W/D.

3/3/21:Judge To hear this at 2:00 w/ Adv Pro. Summary Judgment Motion

Debtor obj<>NR DEED (RAYMOND M PATELLA/KRAEMER BURNS)

CONF ON 3/17/21.
Matter ResolvedRequest
Adjourment
673/17/2021 9:00 am20-20931 / CMGMICHAEL P OTTO ESQAP Motion Summary JudgmentWithdrawn
3/16/21(mk): per debtor's counsel- mark as withdrawn.

AP 20-1564 Farano vs. NR Deed MTN FOR SUMMARY JUDGMET

CONF on 3/17/21- ISSUES/INCOMPLETE DOCS
Matter ResolvedRequest
Adjourment
703/17/2021 9:00 am20-24088 / CMGKevin Fayette, EsqMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $1,600.00
MTN TO EXPUNGE ONEMAIN FINANCIAL GROUP FROM SECURED TO UNSECURED


Auto was surrender 2yrs before filing case
Matter ResolvedRequest
Adjourment
713/17/2021 9:00 am21-11242 / CMGKevin Fayette, EsqMotion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $2,100.00
MTN TO CONTINUE STAY
Matter ResolvedRequest
Adjourment
723/17/2021 9:00 am21-11284 / CMGYAKOV RUDIKHMotion Impose Automatic StayGrantedTotal Paid In: $450.00
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
733/17/2021 10:00 am15-31868 / CMGPAUL N MIRABELLI ESQConfirmation Hearing ScheduledConfirmedDebtor has made 203 of 66 required payments   Arrears: $0  
Total Paid In: $25,347.00
As of 3/12/21 (DS): Ok to confirm at $25,097.38 paid, $125 x 20 begin 4/1/21 Base


2/17/21 (DS): 1. Trustee requires 2 months income from unemployment and 2019 tax return. - Emailed Debtor attorney. - PROVIDED

MP Prop $450 x 60; $125 x 24 BEG 12/1/2015 Base - PLAN EXTENDED TO 84 MO DUE TO COVID-19.
Note: Cert of Covid provided. POI and 2019 tax return provided.
Matter ResolvedRequest
Adjourment
743/17/2021 10:00 am18-17421 / CMGKarina Pia Lucid Confirmation Hearing on Modified PlanConfirmedDebtor has made 104 of 37 required payments   Arrears: $180.00  Total Paid In: $70,531.00
3/19/21(mk):Strike priority State of NJ (error in plan)Pay State of NY per filed claim thru plan.


AS OF 3/16/21 (SF) UPDATED- MK- atty ok to terms - Read into record


RECOMMEND $69,171.02 PTD, $680 X 8 (BEGIN 3/1/21); $2176 X 42 (BEGIN 11/1/21) BASE PLAN
-COTBS WITHIN 30 DAYS RESOLVING OBJ BY VITO GALLO

1. Objection filed by Vito Gallo - because debtor is relying on non-filing spouse to make trustee payments, creditor wants spouse to provide amended Schedules I and J. Wants proof that debtor and non-filing spouse suffered material financial hardship. (COTBS)

2. Trustee objection:

-- The debtor has failed to provide amended Schedules I & J.
-- NEED PROOF OF LIFE INSURANCE AND FLOOD INSURANCE PAYMENTS ADDED TO SCHEDULE J. (NEED COPIES OF INSURANCE POLICIES) An invoice was provided from Allstate which shows that Christopher Rafano pays $267.30 to Allstate but doesn't say for what. Schedule J lists $450. If we add back $182.70. Proof of fllood insurance provided in the amount of $312.64 mthly. Add back $87.36 disposable income is $1604.08.


MP proposes $1000 x 1; $500 x 11; $2111 x 42 Base
Plan has run 34 months and proposes to extend to 84 months

RESOLVED ISSUES:
NEED CURRENT PROOF OF DEBTOR'S INCOME FOR BEE DISTRIBUTION IN THE AMOUNT OF $1650. (RECEIVED PROOF OF RENT PAYMENTS OF $1650)

-- The debtor has failed to provide Updated/current proof of income. (Debtor receives unemployment and profit and loss just received)

It appears that the debtor is seeking an extension of plan duration under the CARES Act. However, said Act does not provide an automatic right to extend plan duration past 60 months. The debtor must establish that he/she is experiencing a "material financial hardship" as a result of the COVID-19 pandemic. The debtor has not provided sufficient evidence as to why an extension of plan duration is justified. Based upon the foregoing, Confirmation should be denied unless the debtor files a COVID-19 Certification in
Matter ResolvedRequest
Adjourment
753/17/2021 10:00 am18-20511 / CMGRONALD E NORMAN, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 34 of 36 required payments   Arrears: $55.00  Total Paid In: $18,175.00
AS OF 3/12/2021 (JMA)


OK TO CONFIRM AT $17,166 PAID TO DATE, $477X50 BEGIN 4/1/2021 100% PLAN

1) Trustee objection to modified plan - need to resolve
- Must amend Sched I & J. PROVIDED
- Need 2 months proof of income from Debtor and spouse and 2019 tax return. PROVIDED, DIFFICULT TO READ SPOUSE PAYSTUBS

2) Per mod plan filed 3/28/19, attorney was to file supplemental fee app for $800. Now 2nd mod plan again includes $800 twice, yet still no fee apps have been filed. - PER MK ATTY ADVISED HE WILL FILE SUPPLEMENTAL FEE APPLICATIONS

3) Case needs to remain 100% due to non-exempt equity $24,251.38 - PER MK ATTY OK TO KEEP 100%

proposed plan $477x53 begin 1/1/2021 base plan
paid in $17,166
extend to 84 months, 50 to go

NOTES:12/16/21(mk) Atty email- on the TR motion but he discussed conf.- he is ok w/100% if it can be worked .recently filed amended I & J. Uploaded POI & Tax return today. Need fee app. He will apply for 800 from 5/2019 mp that we were waiting for and another 800 for this MP. He will request adj. for 30 days I told him it was LATE and if not processed- needs to appear tomorrow and request it.

MP Prop $477 x 53 Base - Mod plan extends due to Covid-19.
Matter ResolvedRequest
Adjourment
763/17/2021 10:00 am18-25371 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 19 of 33 required payments   Arrears: $422.00  Total Paid In: $8,209.00
AS of 3/4/21(mk):Atty ok to terms


**Can Rec Confirm at $7,787 PTD, Then $399 x 38 Begin 4/1/21; 0%; Plan extended to total 69 mos under Cares Act; remaining terms of prior confirmation apply**


MP proposes:394 x 38;begin 3/1/21 ;0% recaps arrear and extends plan length.
Plan has run 31 mos.
Matter ResolvedRequest
Adjourment
773/17/2021 10:00 am18-27548 / CMGROBERT BRAVERMANConfirmation Hearing on Modified PlanPlan DeniedDebtor has made 19 of 33 required payments   Arrears: $5,298.00  Total Paid In: $9,568.00
Mk: PLAN DENIED: FILE NEW MP w/ IN 14 DAYS

3/16/21(mk) Atty uploaded Feb pay stubs & amended I & J- not on docket yet & uploaded a debtor cert explaining income and current employment situation. Will be filing a MP

AS OF 3/11/2021 (at):

TR MOTION ON 3/17/21

1. Need Fee Application for additional $500 in the modified plan.(MK: Filed 2/16/21 for $500 - granted 2/24/21)

2. Need November and December pay stubs.(MK: uploaded 2/16/21- needs review -
USING JAN & 1ST FEB STUB - BASED ON THE THREE PAY STUBS PROVIDED AND AMENDED J DISPOSABLE INCOME IS $4,267) this includes the food stamp income-food stamp award letter says from 1/2021-10/2021-appears debtor has new job. pay stub says NUTRI System- Old job POI & last filed I(1/6/21) says employer is Harison Nat'l employment. Need clarification. TR SUPP OBJECTION FILED 3/11/21 at Docket #63.

(Covid Cert received #53)

MP proposes: $7,583 paid to date, $379 x 56 beginning 1/1/2021 (84 month plan), base
Arrears $5,098
(Debtor has been adversely affected by COVID-19)
Matter ResolvedRequest
Adjourment
783/17/2021 10:00 am18-33956 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 27 of 29 required payments   Arrears: $264.00  Total Paid In: $12,180.00
UPDATED 3/15/2021 (JMA)
as of 3/12/2021 (JMA)

To confirm need $11,558 paid to date, $325x57 begin 4/1/2021 0% plan

proposed plan $311x60 begin 2/1/2021 0% plan
paid in $11,558
extended to 84 months, 57 to go
Matter ResolvedRequest
Adjourment
793/17/2021 10:00 am19-11349 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing on Modified PlanConfirmedDebtor has made 26 of 28 required payments   Arrears: $2.00  Total Paid In: $13,543.00
3/16/21(mk): atty & creditor (Wilmington have CO in works. Allows REFI by 6/15/21. No pay arrears pending-atty ok to terms

**CAN REC CONFIRM AT $12,503 PTD, THEN $521 X 34 ,BEGIN 4/1/21;0%;
ReFi on Greenbriar Drive by 6/15/21.
Trustee is not authorized to pay arrears pending REFI.
Consent order w/Selene/Wilmington w/in 30 days.
Remaining terms of prior confirmation apply.**

ISSUES AS OF 3/10/2021 (DM):

1) Wilmington Savings (RAS) OBJs to the Refi treatment in the MP post Loan Mod denial (UNRESOLVED).


Confirm Case: $3,220 Ptd, $460 by 9/2019, $519 x 52 start 10/1, 0%
Prop. MP: $460 x 60 start 2/1/19, Refi by 6/30/21, 0%
PTD = $12,503
Last Claim (19-1) dated 3/22/19
Matter ResolvedRequest
Adjourment
03/17/2021 10:00 am19-21588 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing on Modified PlanWithdrawnDebtor has made 19 of 23 required payments   Arrears: $325.00  Total Paid In: $6,300.00
Matter ResolvedRequest
Adjourment
803/17/2021 10:00 am19-21588 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing on Modified PlanConfirmedDebtor has made 19 of 23 required payments   Arrears: $325.00  Total Paid In: $6,300.00
ISSUES AS OF 3/10/2021 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $4,950 PTD, THEN $325 x 16 STARTING 3/1/21, 0% PLAN, LOAN MOD WITH BAYVIEW/METLIFE BY 4/30/21, NO PAYMENT OR RESERVE BY TRUSTEE ON BAYVIEW/METLIFE PRE & POST PETITION CLAIM PENDING THE LOAN MOD; TRUSTEE IS AUTHORIZED HOWEVER TO PAY $531 FEES & COSTS TO BAYVIEW/METLIFE FOR RESOLUTION OF MFR PER ENTERED ORDER***

1) MP is now treating Foxmoor Association claim as unsecured per the filed unsecured claim.

2) Debtor is in the last month of a Trial Mod - per MP, no payment by the Trustee on Bayview/Metlife claim but for the $531 fees & costs set up in resolution of a previous MFR.


Confirm Case: $1,700 Ptd, $325 x 50 start 5/1/20, 0%
Prop. MP: $5,325 Ptd, $325 x 16 start 3/1/21, 0%
PTD = $4,950
Last Claim (25-1) dated 8/19/19
Matter ResolvedRequest
Adjourment
813/17/2021 10:00 am19-21954 / CMGPRO SEConfirmation Hearing on Modified PlanConfirmedDebtor has made 22 of 23 required payments   Arrears: $0  
Total Paid In: $13,425.00
Note: Creditor does not want case confirmed until consent order is signed.
MK: CO WAS SIGNED- OK TO CONFIRM- email to debtor w/ terms-Debtor Ok To Terms.

As of 3/16/21 (sf) UPDATED

RECOMMEND $11,580 PTD, $612 X 40 (BEGIN 3/1/21) BASE PLAN
- Cram restated for Peritus Portfolio Services
- Hyundai Lease Titling Trust is surrendered in full satisfaction
- Well Fargo claim to be paid $3342.16 per proof of claim (COTBS WITHIN 30 DAYS)
- per Part 8d of plan, do not pay post-petition claims




1. Objection filed by Wells Fargo Bank ( Elizabeth Wassall) - failure to pay arrears of $3342.16 and failure to propose ongoing monthly post petition payment of $1151.34 (COTBS) NEED TERMS

2. Trustee motion to dismiss case scheduled for 3/17/21

If above is resolved can confirm at $11,580 PTD, $612 X 40 (BEGIN 3/1/21) BASE PLAN
- Cram restated for Peritus Portfolio Services
- Hyundai Lease Titling Trust is surrendered in full satisfaction
- Well Fargo claim to be paid $3342.16 per proof of claim
- per Part 8d of plan, do not pay post-petition claims


MP proposes $612 x 41 Base
Plan has run 21 months with 39 months remaining
Arrears: $600
Matter ResolvedRequest
Adjourment
823/17/2021 10:00 am19-25530 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
4/7/2021 10:00 am
Debtor has made 85 of 5 required payments   Arrears: $162.00  Total Paid In: $13,717.00
ISSUES AS OF 3/10/2021 (DM):

1) MP provides $804 cure treatment to Santander for 2015 Kia - creditor filed an unsecured deficiency balance claim (STRIKE PLAN TREATMENT??) YES

2) Trustee Obj:
- Need updated proof of income (UNRESOLVED). Uploaded proof of unemployement


Confirm Case: $1,673 Ptd, $273 x 37 start 5/1/20, Base
Prop. MP: Ptd, $162 x 20 start 2/1/21, 0%
PTD = $11,612
Last Claim (20-1) dated 2/18/21
Matter ResolvedRequest
Adjourment
03/17/2021 10:00 am19-30037 / RG BRUCE C TRUESDALE ESQTrustee Motion to Dismiss CaseWithdrawnTotal Paid In: $47,845.00
AMT: MP 3/17 <>>


Debtor obj, filed mp<>FAILED TO SELL PRIMROSE LAND PPTY BY 9/30/20
Matter ResolvedRequest
Adjourment
833/17/2021 10:00 am19-33730 / CMGDOUGLAS A COLE, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 6 required payments   Arrears: $300.00  
3/17/21(mk)-ATTY OK TO TERMS

AR RESOLVE OR HOLD - 3/15/21 Adj request denied. Appearance required.

AS OF 3/17/21 UPDATED

RECOMMEND $900 PTD, $1,605 X 57 (BEGIN 3/1/21) 100% PLAN W/ MIN $29,459 TO GUCS PER EQUITY IN REAL AND PERSONAL PROPERTY
- OK TO PAY NEW REZ ARREARS CLAIM 18-1
- OK TO PAY TD RETAIL CARD SERVICES SECURED CLAIM 12-1 AS FILED. $1132 SECURED AND $1302.14 AS UNSECURED
- TRUSTEE STANDARD ORDER OF DISTRIBUTION
- TRUSTEE IS NOT AUTHORIZED TO PAY POST-PETITION PAYMENTS PER PART D OF PLAN
- MUST FILE PRE-CONFIRMATION CERTIFICATION WITHIN 10 DAYS


AS OF 3/10/21 (SF) - NS on 3/3. Below issues still not resolved

Plan requires 100% after reducing expenses by $2534.04. Disposable income is now $2295.95. Recommend $1605 going forward after issues below are resolved.

1. New Rez LLC filed arrears claim 18-1 for $2382.87 (OK TO PAY?)

2. TD Retail Card Services filed bifurcated claim for furniture: $1132 is secured and $1302.14 is unsecured. This claim is not addressed in plan or budget (NEED TO ADDRESS CLAIM)

3. Mortgage payment listed on Schedule J is $3432.18 but the proof of claim show that the payment is actually $2856.43 (NEED EXPLANATION)

4. TRUSTEE OBJECTION: (RESPONSE/MEMORANDUM OF LAW FILED)
-- Need a current market analysis - on timeshares. (Provided purchase agreement for Island Links. Purchased in 2013 for $6100 and paid in full). Statement provided for United Vacations Club states that membership is cancelled. (SHOULD THIS BE SURRENDERED IN PLAN?

-- A Modified Plan that proposes Trustee Standard Order of Distribution in Part 8c, and
marks off an option for Part 8d post-petition claims.

-- Excessive Expenses on Schedule J such as:
Electricity/heat/gas $625: (VERIFY $242 bills include delinquency)

--Water/sewer/garbage $315: (VERIFY $108: water is $62.17 per month and sewer is $137.50 quarterly) don't see separate charge for garbage

--Tele/cell/internet/cable $590, (VERIFY $96.27 for VERIZON) Will allow $530

--Home securit
Matter ResolvedRequest
Adjourment
843/17/2021 10:00 am20-10066 / CMGWilliam H. Oliver, Jr., Esq.Final ConfirmationContinued
6/2/2021 10:00 am
Debtor has made 15 of 16 required payments   Arrears: $751.00  Total Paid In: $11,184.00
3/17 workup EDC

-Interim order was entered on 9/23/20 pending resolution of the adversary. What is the status? STILL PENDING-WILL ADJOURN TO 6/2 edc

Term per interim order:

$742 X 60 BEG 2/1/2020 (LOW) BASE $44,520
N/E PROCEEDS PI SUIT
RESERVE FUNDS FOR ADVANCE FUNDING #26-2 PENDING RESOLUTION OF ADV PRO
PAY IRS/ NIP CLM #19-2
RESOLVE T'S OBJ W/I 60 DAYS RE EXEMPTIONS TAKEN ON PI CLAIM
Matter ResolvedRequest
Adjourment
853/17/2021 10:00 am20-10231 / CMGAngela Nascondiglio Stein Confirmation Hearing on Modified PlanConfirmedDebtor has made 5 of 16 required payments   Arrears: $457.00  Total Paid In: $2,484.00
ISSUES AS OF 3/10/2021 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $1,570 PTD, THEN $457 x 47 STARTING 3/1/21, BASE PLAN WITH $3,020 MINIMUM DIVIDEND, LOAN MOD WITH HSBC BY 9/15/21, NO PAYMENT OR RESERVE BY TRUSTEE PENDING THE LOAN MOD; ADD TO CONFIRMING ORDER: TRUSTEE IS AUTHORIZED TO PAY IRS LATE POC (14-2)***

1) IRS filed a $14,154.06 late priority claim that includes estimated taxes for 2015 - claim not treated in the plan (AMENDED LATE CLAIM FILED).


Confirm Case: $400 Ptd, $115 x 31 start 7/1/20, $3,020 Min Div
Prop. MP: $1,685 Ptd, $445 x 47 start 3/1/21, $3,020 Min Div
Loan Mod 6 Months
PTD = $1,570
Last Claim (14-2) dated 2/3/21
Matter ResolvedRequest
Adjourment
863/17/2021 10:00 am20-11183 / CMGTIMOTHY P KANE ESQConfirmation Hearing on Modified PlanPlan DeniedDebtor has made 8 of 16 required payments   Arrears: $9,454.00  Total Paid In: $12,012.00
NS on second call- Plan Denied filed new plan w/in 14 days

ISSUES AS OF 3/11/2021 (DM):

***Last payment received in November***

1) MP provides $1,507 priority treatment to the State of NY - no POC has been filed (STRIKE??)

2) MP provides $2,371.98 secured treatment to Erin Capital Management - creditor filed a general unsecured claim (STRIKE??)

3) Trustee OBJ:
- Debtor needs to provide updated proof of income if proposing to pay less than 100% per the confirmed plan.


Confirm Case: $7,962 Ptd, $1,310 x 54 start 8/1/20, 100%
Prop. MP: $1,301 x 7, $1,310 x 6, $1,495 x 47 start 3/1/21, Base
PTD = $12,012
Last Claim (9-1) dated 3/30/20
Matter ResolvedRequest
Adjourment
873/17/2021 10:00 am20-11325 / CMGANDREW CARROLL, ESQ.Order Vacate Dismissal of CaseMootDebtor has made 16 of 16 required payments   Arrears: $25.00  Total Paid In: $29,945.00
moot case confirmed on 3/3
Matter ResolvedRequest
Adjourment
883/17/2021 10:00 am20-12220 / CMGDaniel Straffi, Esq.Confirmation Hearing on Modified PlanContinued
4/21/2021 10:00 am
Debtor has made 10 of 15 required payments   Arrears: $2,467.00  Total Paid In: $5,033.00
ISSUES AS OF 3/10/2021 (DM):

***If debtor resolves objection with Ally, the debtor will need $532 x 48 starting 3/1/21 to cure plan arrears on Base plan***

1) Ally Bank (POWERS) OBJs to extension of timelines for Loan Mod, Refi and Sale (UNRESOLVED).


Confirm Case: $3,000 Ptd, $500 x 54 start 9/1/20, Base
Prop. MP: $500 x 60 start 3/1/20, Base, Sale/Refi/Loan Mod by 6/1/21
PTD = $4,500
Last Claim (11-1) dated 4/14/20
Matter ResolvedRequest
Adjourment
893/17/2021 10:00 am20-15339 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing on Modified PlanPlan DeniedDebtor has made 8 of 13 required payments   Arrears: $630.00  Total Paid In: $3,670.00
AR ATTY OK WITH MP DENIED CONF CASE CONTINUES
 3/10/21 - Nothing has changed since last work-up (dm)

ISSUES AS OF 2/24/2021 (DM): Recommend Denial

1) Trustee OBJ:
- Debtor's case was confirmed on 1/20/21 after a compromise was reached with the Trustee on an outstanding disposable income objection. On 1/27/21, the Order of Confirmation was entered on the Docket. The Modified Plan filed on 1/27/21 proposes a reduction in the plan payment. The Trustee hereby renews the disposable income objection and requests that the pending Modified Plan be denied.


Confirm Case: $2,000 Ptd, $460 x 40 start 1/1/21, 100% Plan
Prop. MP: $2,000 Ptd, $355 x 52 start 2/1/21, 100%
PTD = $2,960
Last Claim (10-1) dated 6/15/20
Matter ResolvedRequest
Adjourment
903/17/2021 10:00 am20-15534 / CMGJONATHAN GOLDSMITH-COHEN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 13 of 13 required payments   Arrears: $0  
Total Paid In: $10,704.00
As of 3/17/21(sf) UPDATED

RECOMMEND $9,050 PTD, $842 X 49 (BEGIN 4/1/21) BASE PLAN
- Pay Camelot West at Marlboro rent arrears before Attorney fees as 15 month prompt cure
- Attorney to file fee application within 7 days of entered confirming order for estimated fees of $8000.


The proposed payment is not high enough to pay the rental arrears and attorney fees within 15 months (ATTORNEY NEEDS TO CLARIFY IF THE RENT ARREARS SHOULD BE PAID AHEAD OF ATTORNEY FEES. THE PLAN ADDS $8000 OF ATTORNEY FEES WHICH WILL NEED TO BE APPROVED) PER ATTY OK TO PAY CAMELOT WEST AT MARLBORO RENT ARREARS AHEAD OF ATTORNEY FEES


Plan proposes $1005 X 11, $800 X 49 Base
Payments: 9/11 Arrears: $2035

RESOLVED ISSUES:
- IRS priority claim 2-1 is estimated. (AMENDED)
- A copy of the last filed tax return - 2019 by 8/15/2020. (RECEIVED)
- Objection to modified plan filed on 9/30/20 by BMO Harris Bank (James Haney) - BHB objects to Debtor's Modified Chapter 13 Plan because Debtor has not provided acceptable treatment for its secured claims. (Withdrawn)
- Need proof of service on BMO Transportation Finance cram. (RECEIVED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- The Plan fails to provide for a prompt cure of rental arrears. (MP PROPOSES TO CURE IN 15 MONTHS)
- Need to file Pre-Confirmation Certification. (FILED)
2/3/21:MK: claim 6-1 to be amended to -0- Claim #8-1 to be amended to all unsecured. but it will be a revised amt w/in 30 days. Claim 9-1 to be amended to-0-. Also 1 pyment to be made on 9-1 and he will address in order. Will file MP w/in 14 days .
Matter ResolvedRequest
Adjourment
913/17/2021 10:00 am20-15551 / CMGAndrew Thomas Archer Confirmation Hearing on Modified PlanContinued
4/21/2021 10:00 am
Debtor has made 8 of 13 required payments   Arrears: $2,300.00  
3/16/21(mk); COURT ADJ THIS TO 4/21/21 AS STILL WORKING ON DECISION ON CONDO ISSUE.

3/5 workup for the 3/17 calendar EDC

-11 months old
-4 payments arrears--same as last time--MUST DO EWAGE OR DISMISS

-JUDGE TO RESERVE DECISION ON CONDO ISSUE - MFR denied but objection from Wyndham still needs to be resolved

** Trustee obj to the following:
---- Need to file Pre-Confirmation Certification.
--Wyndham Place Condo obj to arrears more and failure to provide payment for post-pet payments. POC filed as bifurcated claim $12,992.94 secured and $3,216.60 unsecured. MP has as a cramdown--no service but obj filed---Obj and claim needs to be resolved.

-No secured IRS claim filed. Trustee will not pay unless claim
--------------------------
MFR Carrington Mort on for 1/6/21-need resolution and if terms affect plan(WITHDRAWN)
***per last time12/16/20:(mk): debtor atty brief (replying to doc #30) by 1/15/21 (FILED BY BORGER (#42) & reply by creditor by 1/27/21.( Filed (#46)1/27/21 by Cutolo Barros) ---Motion for relief with Wyndham on for 2/17/20---

-Ovation Sales Finance filed arrears claim $186.81 for HVAC, not in plan. Ok to pay? MK; YES PAY
4. JPMorgan listed in plan as outside filed arrears claim $49.62. Ok to pay? Mk; YES PAY
Need to add non-exempt proceeds from personal injury claim to confirming order. (DONE)
- Need to resolve the estimated claim filed by the IRS, 2018 and 2019 not filed.(AMENDED)
- Need a modified plan that addresses mortgage held by HUD.(DONE)
- Need 2019 tax return.(DONE)
- Excessive expenses on Schedule J such as: $490 Food, $300 Pet food (1 dog) and $150 clothing.(OK paying $6848)
- Income verifies higher, there is disposable income $966. Tax refund not listed on Sched I. Also deducted excessive expenses. Case is above median 22c has disposable income $231.15, add back all the differences in arrears claims and there would be disposable income $117.01, which would require minimum dividend $6,848.40 to gucs.(MP pays $6848)

Prop Plan $460 x 60 Ba
Matter ResolvedRequest
Adjourment
923/17/2021 10:00 am20-19199 / CMGANDREW G. GREENBERG, ESQ.Confirmation Hearing ScheduledPlan DeniedDebtor has made 8 of 10 required payments   Arrears: $0  

3/16/21(mk); CO w/ US bank was signed - requires a MP in 14 days. Told Atty this plan should be marked Plan Denied.

3/5 workup for the 3/17 calendar EDC---- * adjournment from last time to allow time for Debtor to file 2015 tax return, adjourned peremptory, there will be no further adjournments.

* 3/3/21: (mk)FYI there will be a Consent order resolving the US Bank MFR for 4/7/21 that rolls in Post pet arrears $7,444.49 & requires a MP w/in 14 days MK:THIS ORDER WAS SUBMITTED TO CHAMBERS 3/16/21.

* Motion To Modify IRS POC filed & on for 3/17/21.

* 1. Trustee obj to the following:
- Must resolve IRS estimated claim, 2015 tax return not filed.
- Must file Pre-confirmation certificate.
- Must add to confirming order Trustee standard order of distribution.

2. East Orange Firemens FCU (Peter Liska) obj arrears owed for both vehicles. Mod plan pays arrears, but claim 5-1 was withdrawn. Is Trustee to pay $1,392 or is this to be stricken? Obj must be resolved.

-------------------------------
- Per the 22C, monthly disposable income is $4,956 which requires a minimum dividend of $297,360 to gucs. Proposed plan is 100% plan. (OK)
- Verified income leaves monthly disposable income of $4,651.20.
- Excessive expenses on Schedule J such as: $711 and $661 Car payments and $675 transportation (debtor doesn't work). Only allowed if case remains 100%.
As of 12/21/20 ISSUES (DS): 1. BELOW ISSUES NOT RESOLVED.

11/18/20(Mk): Plan denied and w/d MP #17 and file new MP plan w/in 14 days with notice.

3. US Bank (McCalla Raymer Leiber Pierce law firm) obj arrears owed are more, POC filed arrears $84,858.56. Obj must be resolved. - MOD PLAN PAYS ARREARS.

Prop Plan $2,785 x 5; $3,378 x 55 100%
Note: Auto insurance provided. Mod plan filed to correct issues with vehicles.
Matter ResolvedRequest
Adjourment
933/17/2021 10:00 am20-19951 / CMGRUSSELL L LOW, ESQConfirmation Hearing ScheduledContinued
4/7/2021 10:00 am
Debtor has made 6 of 9 required payments   Arrears: $0  
Total Paid In: $2,288.00

NFA
Co-debtor is back to work and received 1 stub per month - ADJ to 4/7/21 for review.

ISSUES AS OF 3/11/2021 (DM):

***TO RESOLVE THE TRUSTEE DISPOSABLE INCOME OBJECTION (see calculation below), WE WILL RECOMMEND CONFIRMATION AT $1,652 PTD, THEN $914 x 53 STARTING 4/1/21, 100% PLAN***

 2/12/21 - Trustee received Form 1099 for unemployment which averages to $1,513 per month; business income averages to $3,890 per month; and rent income is $1,200 per month (omitted on Sch I). Disposable income is now $1,544 per month.

1) Community Bank (Schiller Knapp) OBJs - $7,910.16 arrears (OTBS SUBMITTED).

2) Trustee Supplemental OBJ:
- Disposable income verifies higher than scheduled.

3) Trustee OBJ:
- Need proof of spouse's unemployment (RECEIVED FORM 1099).
- Need a copy of homeowner's insurance for Manalapan Dr property - policy provided expires 12/7/2020 (RECEIVED).
- Schedules show 2 bank accounts - only provided statements for business - need 2 months (July & Aug) of statements for other account (RECEIVED).
- Amend Schedule A, C & D - all misspell property - correct spelling
is College Drive (AMENDED).
- Objection to using (d)(1) exemption for property the debtor does not live in - selected 100% (AMENDED).


Prop. Plan $236 x 60, Base Plan
PTD 7/7 = $1,652
Last Claim (12-1)
Matter ResolvedRequest
Adjourment
943/17/2021 10:00 am20-19971 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanDismissed - Hold FeesDebtor has made 7 of 9 required payments   Arrears: $2,908.00  
3/5 workup for the 3/17 calendar EDC

****same issues as last time

1 of 7 trustee payments-no payments since October. Weren't we supposed to get payments from last time?

* Objection By Santander(Morton):
objects to value on cram- says total(including interest) is $22,241.08

* MFR for 2/17 & Objection by Cross Country Mortgage(Milstead):
fails to pay full arrears- POC $70,489.48- MP proposes sale of RE
creditor says sale speculative; no realtor appointed(STAY LIFTED NOW)

* Trustee Objection:
---updated Proof of income provided in December shows much less income. Income is $700 less than scheduled per amended I & J. Debtor is also in arrears to trustee which makes sense.
---need proof of income (bank deposits- & P &L)from March 2020 to present for cash
jobs debtor testified to at 341.
-excessive expense items, such as: 2 mortgage payments -(need information on 2nd property. at 826 Ocean Ave. including
Deed, mortgage statement, proof of insurance. (Deed provided- spouse owns it)- no income for her)
-need to file Pre-Confirmation Certification.
-need Cert regarding debtor's cash jobs and proof of income - not an affidavit- bank statement deposits since he no longer has job as construction manager that is listed on sch I.
-----------------------
* ST of NJ Estimated poc $15,108.37(amended)
600/month from cable/internet/phone;$525/month for transportation(OK amended I & J)
-need service on Santander for cram of 2012 Cadillac.(Objection filed by creditor)
-debtor has failed to supply proof of Social Security Number to the Trustee.(done)
-need Amendments to Schedules I to remove old job and list what he does for income since
March 2020 he lost other job.(DONE)
-need 2019 tax return.(DONE)
2. IRS Estimated POC-$31,030.94- No return for 2019(Amended)

-need copy of the deed - on Ocean Ave property(Provided-owned by spouse & she got it from her former spouse)
Debtor's Plan filed at docket #3 has an attachment at docket 3-1.
Docket #3-1 is an plan from debtor's prio
Matter ResolvedRequest
Adjourment
953/17/2021 10:00 am20-20267 / CMGPRO SEConfirmation Hearing ScheduledContinued
4/21/2021 10:00 am
Debtor has made 0 of 8 required payments   Arrears: $0  

3/9/21 - Per Balboa's office, adjourn to 4/21/21 - No further adjournments. His payments are current (except for March) but D hasn't had time to work on the amendments required.

2/10/21 - Per Balboa's office, adjourn for 30 days.sf

1/15/21 - Per Balboa's office, ok to adjourn for 30 days.sf

12/30/20 AMT: TRANSFERRED TO TRUSTEE BALBOA<<<>>>

11/15 AMT: AR REQUESTED UST TO TRANSFER/OFFICE CONFLICT
Matter ResolvedRequest
Adjourment
03/17/2021 10:00 am20-20617 / CMGSTEPHANIE SHRETER, ESQConfirmation Hearing on Modified PlanWithdrawnDebtor has made 8 of 8 required payments   Arrears: $0  
Total Paid In: $4,198.00
MP doc #16 should be withdrawn because another MP was filed on 2/12 doc #21

AS OF 2/11/21 (SF) - MP filed and Schedules amended

PLAN IS NOT FEASIBLE DUE TO HIGHER CLAIMS, EQUITY IN RE AND INSUFFICIENT INCOME. Note: No d(1) exemption taken on real estate.

1. The plan proposes to pay ABCO through the plan but no claim filed. The bar date expired on 11/25/20. Should this claim be stricken from plan?

2. Trustee objection:

- A Modified Plan that provides dividend to gucs due to non exempt equity in real estate

- Amendments to Schedules Form 122c shows no income, need to amend

-There is non exempt equity in real property of $26,671- cannot be a zero percent plan with non exempt equity. No d(1) exemption taken on Sched C (AMENDED, EQUITY IS NOW $1522)

- must file pre conf cert. (STILL NEED)

4. Debtor has insufficient income. Income verifies at $67 (PLAN IS NOT FEASIBLE)


Plan proposes $1890 PTD, $630 X 50 Base w/min $4200 to gucs
Payments: 4/5 Arrears: $630


RESOLVED ISSUES:
1. Christiana Trust filed 3 proof of claim: 8-1, 9-1, and 10-1. Are we paying all three claims?
(Christiana Trust claim 10 was amended lower) MP proposes to pay
Matter ResolvedRequest
Adjourment
963/17/2021 10:00 am20-20617 / CMGSTEPHANIE SHRETER, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 8 of 8 required payments   Arrears: $0  
Total Paid In: $4,198.00
AS OF 3/10/21 (SF)

RECOMMEND $3150 PTD, $524 X 54 (BEGIN 4/1/21) BASE W/MIN $4200 TO GUCS


MP proposes $2520 PTD, $520 X 55 BASE W/MIN $4200 TO GUCS
Payments: 5/6 Arrears: $520
Matter ResolvedRequest
Adjourment
973/17/2021 10:00 am20-20866 / CMGMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledContinued
4/21/2021 10:00 am
Debtor has made 4 of 8 required payments   Arrears: $0  
Total Paid In: $4,900.00
3/17/21(mk): adj to 4/21/21 for debtor to filed 2020 tax return

3/15 updated workup for the 3/17 calendar EDC


-attorney is now filing adversary. Per AR email can confirm using our numbers because of disposable income issue (since December) and reserve and put a hold on claim 8-1 pending resolution. Awaiting attorney response. To resolve the Trustee objection, need to confirm at ****$3,000 paid to date, $2000 x 54 begin 4/1/2021 100% plan EDC
-----Attorney sent email that income is lower--(income for wife lower but husbands is higher. The want to reduce income because they say the refund will be less. Have not provided proof yet so we still need to use 2019 taxes per AR-disposable is over $2400---EDC sent email on 3/15***


1) Trustee objection to confirmation - RESOLVED
-debtor has failed to file feasible plan - PLAN IS 100% AND NEEDS SIGNIFICANTLY HIGHER PLAN PAYMENT, APPEARS DEBTOR WOULD BE ABLE TO MAKE NEEDED PAYMENTS TO COMPLETE PLAN
-need proof of insurance for the 2019 Nissan Rogue RESOLVED, PROVIDED RENEWAL
-the debtors plan consists of unnecessary or excessive expense items: $500/month utilities; $400/month water/sewer/garbage; $650/month cable/internet/500 to 3000 ; $300/month life insurance; $150/month pet insurance for 1 dog; $400/month for storage - THIS IS A 100% PLAN
-the debtor is not paying all disposable income into plan - verified income leaves monthly disposable income of $2,960 - THIS IS A 100% PLAN
-debtor is not paying all disposable income into plan - verified income $2,960 - THIS IS A 100% PLAN
-excess income on Form 122c is $5,075 which requires a minimum dividend of $304,500 to general unsecured creditors - THIS IS A 100% PLAN
-the schedules fail to account for the debtors tax refund in the amount of $8,735 when determining disposable income
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is $70,728 in non exempt equity in the land in New York 10
Matter ResolvedRequest
Adjourment
983/17/2021 10:00 am20-20911 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 8 required payments   Arrears: $0  
Total Paid In: $7,050.00
ISSUES AS OF 3/11/2021 (DM): Updated 3/15/21

***Per debtors' amended schedules, unemployment income was removed. CAN RECOMMEND CONFIRMING AT $5,058 PTD, THEN $996 x 54 STARTING 4/1/21, BASE PLAN, STUDENT LOANS TREATED OUTSIDE THE PLAN, CO-DEBTOR TO PROVIDE UPDATE ON EMPLOYMENT STATUS IN 6 MONTHS, STRIKE PRIORITY PLAN TREATMENT FOR THE STATE OF NJ***

1) Specialized Loan (McCalla Raymer) OBJs - $43,305 arrears (COTBS ENTERED).

2) Ally (Regina Cohen, Esq) OBJs to cram treatment of 2009 Dodge Ram (COTBS ENTERED).

3) Plan provides $433.50 priority treatment to State of NJ - no POC filed (STRIKE??)

4) Trustee OBJ:
- Need MP with increased tier when $327 car payment ends in month 20 (VEHICLE IS A CRAM AND NOT ON SCH J).
- Debtor is still $1,500 over on the exemption under 522(d)(2) for the
motor cycle. Debtors each claimed 522(d)(2) exemption for each of their vehicles. They cannot use the excess in a third vehicle. (MK: ATTY TO AMEND TO USE WILDCARD - AGREE ONLY 1 CAR PER DEBTOR).
- Proof of income verifies higher ($5,920) than scheduled ($5,771) resulting in $1,892 monthly disposable income (UNEMPLOYMENT INCOME REMOVED IN AMENDED SCH I).
- Fees in the Attorney Disclosure and Plan do not agree - MP will address (MP CORRECTS).
- Need valuation for boat or Certification from debtor if boat has no value and why (RECEIVED CERTIFICATION).

Note: Motorcycle insurance provided.


Prop. Plan $843 x 60, 0%, student loans outside
PTD 6/6 = $5,058
Last Claim (16-1)
Matter ResolvedRequest
Adjourment
993/17/2021 10:00 am20-20931 / CMGMICHAEL P OTTO ESQConfirmation Hearing ScheduledContinued
6/2/2021 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $100.00  
3/16/21(mk): Per atty otto; Settlement agmt in adv pro requires sale to occur by 5/15/21. Adj. conf to 6/2/21


As of 3/12/21 (DS): 1. MFR for Elizabeth Ave is sched 3/17/21, need outcome.

2. BELOW ISSUES NOT RESOLVED.

As of 2/1/21 Debtor attorney requested adjournment to resolve obj

2/3/21 (DS): 1. Trustee obj to the following:
- Debtor has failed to file a feasible plan, plan is proposing to pay the arrears of all secured claims at $50 x 36.
- Attorney disclosure has previous attorney Dorothy Wright to be paid $4,750, but new attorney has not filed attorney disclosure and mod plan filed by new atty has attorney fees $2,250. Is Trustee to pay previous attorney fees?
- Must amend attorney disclosure with new attorney fees or mod plan to correct attorney fees and old attorney to be paid. Needs to be addressed.
- Must resolve NR Deed LLC (Kraemer Burns) objection.
- Must file Pre-confirmation certificate.

2. NR Deed LLC (Kraemer Burns) obj that Debtor is not proposing to pay post-pet property taxes, plus no funds available to pay.>> MK:3/16/21 per deetors atty this will be w/d)

Prop Plan $50 x 36 100% and Sale of Elizabeth Ave within 6 months after conf
Matter ResolvedRequest
Adjourment
1003/17/2021 10:00 am20-21174 / CMGScott J. Goldstein Confirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 8 required payments   Arrears: $1,188.00  Total Paid In: $4,201.00
3/17/21: Plan dneied - MP in 14 days

issues as of 3/12/2021 (JMA)

1) Bank of America (Shapiro & DeNardo) objection to confirmation - RESOLVED, CONSENT ORDER PAYING ARREARS THROUGH PLAN PER FILED CLAIM AMOUNT OF $54,890.52
2) Trustee objection to confirmation - need to resolve
-need a copy of the homeowners insurance renewal declaration - policy expired 7/30/2020, RESOLVED, PROVIDED RENEWAL
-need a value for the 2007 Avalon
-need amendment to Schedules to add 2016 Honda and 2007 Avalon with values
-the debtor is not paying all disposable income into the plan - verified income leaves monthly disposable income of $2,337.41
-the schedules fail to account for the debtors tax refund in the amount of $31,486 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 there is non exempt equity of $2,999 in the Bank of America account SCHEDULE
-need to file Pre Confirmation Certification with Court
-need to resolve the objection of Bank of America REVIEW OF BANK STATEMENTS AND SCHEDULE C SHOWS $841.26 NON EXEMPT EQUITY ON THE BOA ACCOUNTS 4708&3761
3) Not current with Trustee plan payments, arrears $599
4) The debtors plan fails to treat Post Petition claims - NEED TO ADVISE TRUSTEE WHAT THE TREATMENT OF POST PETITION CLAIMS SHOULD BE

proposed plan $600x60 base plan
paid in $3001
arrears $599
last claim 6
Matter ResolvedRequest
Adjourment
1013/17/2021 10:00 am20-21672 / CMGE. Carlton KromerConfirmation Hearing ScheduledContinued
4/7/2021 10:00 am
Debtor has made 8 of 7 required payments   Arrears: $0  
Total Paid In: $7,261.00
As of 3/12/21 Debtor attorney requested adjournment to allow to pass bar date

As of 3/11/21 1. Trustee obj to the following:
- Plan does not specify treatment of IRS claim filed for $1,265.50. PER ATTY RESPONSE OK TO PAY.
- There is $54,428.75 in non-exempt equity in the residence. RECOMMEND WAITING PASS BAR DATE 3/22/21 TO ALLOW TIME FOR ALL CLAIMS TO BE FILED.
- Must add to confirming order Trustee standard order of distribution.

2. Deutsche Bank/PHH Mortgage (RAS Citron, LLC) obj to arrears, mod plan propose to pay per POC. Obj should be resolved.

Prop Plan $850 x 60 begin 11/1/2020; Base
Matter ResolvedRequest
Adjourment
1023/17/2021 10:00 am20-21698 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 4 of 7 required payments   Arrears: $2,000.00  
Per AR NEEDS EWAGE- adj 5/19/21 NFA

AS OF 3/16/2021 (at):

THIS IS THE THIRD CONFIRMATION HEARING. SOME ISSUES HAVE BEEN ADDRESSED.

1. Need an order to pay adequate protection payments to Credit Acceptance. Debtor's attorney needs to file an application. (FILED - HEARING IS 4/7/21)

2. Credit Acceptance filed a bifurcated claim (secured $4,117 and unsecured $3,968.03). Is the debtor going to pay this full amount of $8,085.03 or the amount in the plan of $6,174? Would need to be a cram if not paying the full amount. (PAY FULL CLAIM PER ATTY)

3. Trustee's objection:
- The debtor has failed to file a feasible plan - disposable income is negative.
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - Dec 2020 & Jan 20121 pay stubs. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $2,750/month for rent for one person (need proof - lease received)
- $600/month for food
- $150/month for personal care
The Schedules fail to account for the debtor(s) tax refund in the amount of $6,957.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need to resolve estimated claim filed by the IRS. (NO LONGER ESTIMATED)
- Need Certification ask how Sch I says monthly income of $6,495 and as to expenses. (NOT RECEIVED)

Plan proposes: $750 x 60 beginning 11/1/2020, base
Payments: 3/5, arrears $1,150
Matter ResolvedRequest
Adjourment
1033/17/2021 10:00 am20-22183 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
4/21/2021 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $450.00  
issues as of 3/11/2021 (JMA)

1) Not current with Trustee plan payments, arrears $450
2) Trustee objection to confirmation - need to resolve
-need proof of 2 months income (updated FedEx proof of income)
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - if the debtors are successful in getting the property back from the city of Camden (tax sale) there will be non exempt equity $35,052.84 in real property
-the debtor has failed to provide proof of service with respect to plan motions
-the debtor's plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution
-the Trustee was not able to view the actual wet signatures at the 341 meeting. A signed copy was reviewed
3) Need to file Pre Confirmation Certification with Court
4) IRS priority and unsecured claim estimated - priority for 2018 taxes and unsecured for 2013-2014 taxes - need to resolve
5) State NJ Division of Taxation priority and unsecured claim is estimated - priority for 2017-2018 taxes and unsecured for 2016 - need to resolve
6) State of NJ, Division of Taxation filed secured claim in the amount of $2,676.49 - not provided for in the plan

proposed plan $450x60 (no payment in months of July and August each year), sale by 12/31/2021 0% plan
paid in $1350
arrears $450
last claim 10
Matter ResolvedRequest
Adjourment
1043/17/2021 10:00 am20-22234 / CMGRUSSELL L LOW, ESQConfirmation Hearing on Modified PlanContinued
4/7/2021 10:00 am
Debtor has made 4 of 7 required payments   Arrears: $986.00  Total Paid In: $4,035.00
As of 3/17/21 (ds): Amended Sched A/B and C filed 3/16/21, no time to review, needs to be adjourned to allow time to review

As of 3/15/21 (DS): Need to confirm at $3,356.80 paid, $1,045 x 55 begin 4/1/21 Base with minimum dividend $18,132, due to non-exempt equity

1. Trustee filed additional objection on non-exempt equity on the following assets:
- Real property $16,337 (d(1) not taken).
- 2016 Toyota Rav4 $473 (claim filed for less).
- 2004 Nissan (needs to be added on Sched B and C). - AMENDED 3/12/21, THERE IS NON-EXEMPT EQUITY $900, NO EXEMPTIONS TAKEN.
- Savings acct $422.

Debtor attorney requested adjournment to allow time for debtor to sign amended Sched B and C and to provide bank statements, adjourned peremptory, no further adjournments

3/3/21 (DS): 1. STILL HAS NOT PROVIDED September and October bank statements for Chase account #2231 (PROVIDED) and amended Schedules B/C to add 2004 Nissan not filed.

As of 2/1/21 Debtor attorney requested adjournment, mod plan filed 1/29/21

2/3/21 (DS): 1. BELOW ISSUES REMAIN UNRESOLVED AND NO DOCS HAVE BEEN PROVIDED.

Debtor attorney requested adjournment 12/23/20 to allow time to file mod plan and provide docs to resolve Trustee obj.

12/18/20 Issues (DS): 1. Trustee obj to the following:
- Need September and October bank statements for Chase account #2231.
- Digital FCU claim attaches UCC and is for solar panels on property. - MOD PLAN SURRENDERS SOLAR PANELS. ORDER ENTERED 3/3/21 TO PAY UNSECURED CLAIM.
- Need mod Plan that removes Digital FCU / residence from Part 4e (surrender), plan list Loancare mtg to be paid, cannot surrender and pay. - MOD PLAN SURRENDERS - ORDER GRANTED TO BE UNSECURED CLAIM.
- Must amend Schedules B/C to add 2004 Nissan.
- Need service on Digital FCU if it's a cram. Listed under surrender in the plan. Debtor is not surrendering the residence. - MOD PLAN SURRENDERS, ORDER AMENDING CLAIM AS UNSECURED.

Prop Plan $666.58 X 3 begin 11/1/20, $678.53 x 57 begin 2/1/
Matter ResolvedRequest
Adjourment
1053/17/2021 10:00 am20-22320 / CMGJoan Sirkis Warren Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $4,824.00
3/15/21(mk):UPDATED-atty ok to terms

**CAN REC CONFIRM AT $3,176 PTD,THEN $824 X 56 ,BEGIN 4/21/21:100%; The reclassified claim of MEB Loan Trust will not be paid through the plan per the March 2021 Order addressing the claim.**


1. Objection by MEB Loan Trust( Frenkel Lambert-Doug McDonough,esq)
Plan fails to pay full arrears. Plan has cram( ORDER SUBMITTED TO CHAMBERS TODAY.
RECLASSIFIES CLAIM TO UNSECURED BUT ASLO SAYS CLAIM TO RECEIVE NO TREATMENT THRU PLAN. (mk):will add terms that the reclassified claim will not be paid.

>>PROPOSED PLAN IS 100%. CRAM PROPOSED ON SECOND MTG -so then there is cram balance that becomes unsecured -atty says this was discharged in prior ch 7- They filed a POC for secured amt $65,146.74 - need to move against claim.

2. Trustee Objection: Plan is 100%
- need P & L statements & business forms for spouse Art Studio.(Cert from debtor- ceased business operations Jan 2020)
-need September and October bank statements for Wells Fargo account #5121.
-Per the 22C, monthly disposable income is $3,391 which would require a minimum dividend of $203,460 to general unsecured creditors.



Plan:$794 X 60 BEG 12/20; 100%
2/2 payments
last claim:3-1,bar date:1/11/21
Matter ResolvedRequest
Adjourment
1063/17/2021 10:00 am20-22603 / CMGSTEVEN J ABELSON, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 6 required payments   Arrears: $0  
Total Paid In: $1,155.00
3/9 workup for the 3/17 calendar EDC - Atty ok with terms.sf

--MP filed does not include the equity of $91,000. There are only $25,000 in unsecured so this will be 100% from sale by 3/31/2022

***CAN CONF at: $300 paid then $285 x 57 beg 3/1/21-100% (min equity of $91,000)-trustee to receive non-exempt proceeds from sale-use trustee order of distribution

--low base pending sale

MP filed proposes $150 X 2; $285 X 57 BEG 12/20; SALE 3/31/2022 (1100 ROUTE 73); BASE
-use trustee order of distribution

As of 1/26/21 (DS): 1. Trustee obj to the following:
- CMA provided for 1100 Route 73 property has non-exempt equity of $91,810.16.
- Must file Pre-Confirmation Certification.
- Must resolve TD Bank obj. and Stay motion filed by Y.A.H. Inc.

2. TD Bank (Powers Kirn) 1st mtg on Elmer St obj arrears owed, plan list as outside. POC filed with arrears $12,196.65.

3. Chase mtg filed unsecured claim#6-1, plan list as secured mortgage. Claim must be resolved.

4. US Dept of HUD filed claim, not in plan.

Prop Plan $150 x 36 Base and Sale of 1100 Rte 73 by 12/31/22
Note: Sale date on Rte 73 property is fine, plan also propose non-exempt proceeds from sale.
Matter ResolvedRequest
Adjourment
1073/17/2021 10:00 am20-22956 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
4/21/2021 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $1,447.00  
AS OF 3/10/2021 (at):

1. US Bank filed a secured arrears claim #14 in the amount of $587.20 which is not in the plan. Is it ok to pay this claim?

2. Plan has Hidden Meadows Condo to be paid as a secured claim. Hidden Meadows filed an unsecured claim #11 in the amount of $2,329. Are they to be paid as secured or unsecured?

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - : Updated P&L for April and May 2021 by 6/15/2021. (NOT RECEIVED)
- Need October and November bank statements for Santander account #8484. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $570/month for cable/internet/phone
- $550/month a transportation (additional transportation expense on P&L)
- $621/month car payment
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $2,051.84.
- Need to file Pre-Confirmation Certification.
- Need Certification regarding for "other expenses" on P &L - May $1873.35, June - $2200.12, July $2421.12, August - $1262.18, September - $1256.93 and October - $1345.55. (NOT RECEIVED)
- Why did debtors withdraw $5,000 from Wells Fargo account within 2 weeks of filing ? (NEED EXPLANATION)

Plan proposes: $1,447 x 60 beginning 12/1/2020, $0.00 to guc's
Payments: 4/4
Matter ResolvedRequest
Adjourment
1083/17/2021 10:00 am20-23038 / CMGKarina Pia Lucid Confirmation Hearing ScheduledContinued
4/7/2021 10:00 am
Debtor has made 3 of 6 required payments   Arrears: $2,450.00  Total Paid In: $4,080.00
issues as of 3/11/2021 (JMA)

1) Trustee objection to confirmation - need to resolve
-need proof of 2 months income - need September and October pay stubs for the debtor and "church employee income" per tax return CERTIFICATION EXPLAINS THE TAX RETURN INFO
-need a statement for the debtor's Nycers loan and 401k loan NOT PROVIDED
-need a modified plan that states student loans will be paid outside of the plan NOT FILED
-the debtors plan consists of unnecessary or excessive expense items, such as - Schedule J $509.99/month cable/internet/phone- $242.69 for internet/tv/landline ok, the cell phone expense is excessive, allowance $200 (reduce $117.55 from sch J);
-review of Form 122c shows monthly gross income of $16,005 (debtor $81,781/10 October gross and co debtor $78,272/10 October gross), Line 15 (additional transportation) $620 requires requires documentation - statements provided show $788.37 in expenses over 4 months which averages to $197.09/month which is significantly lower than $620. Taxes for the co-debtor are $1,899/month before backing out large refund. Need actual paystubs for the debtor to determine taxes withheld. What was provided as income does not give this information. Line 31 (charitable contributions) is $250, but only $100 per schedule J. Line 41 (qualified retirement deductions) should be $82
-the debtor is not paying all disposable income in the plan - verified income leaves monthly disposable income of $2,196.38 UPDATED INCOME SHOWS SLIGHTLY HIGHER MONTHLY NET WHICH YIELDS DISPOSABLE NET BALANCE OF $2,318.07
-the schedules fail to account for the debtors tax refund in the amount of $7,056 when determining disposable income
-need to file Pre Confirmation Certification FILED
-the attorney's fees in the plan and disclosure statement do not agree. Plan states that $2,670 will be paid through the plan and disclosure statement states $2,670 will be paid outside. Once of them needs to be amended AMENDED DISCLOSURE OF ATTORNEY FEES WAS FILED
Matter ResolvedRequest
Adjourment
1093/17/2021 10:00 am20-23188 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
4/21/2021 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 3/15/2021 (at):

IF OK TO PAY IRS CLAIM #2, RECOMMEND: $1,296 PAID TO DATE, $1,100 x 57 BEGINNING 4/1/2021, BASE
Need Pre-Confirmation Certification within 10 days of confirmation.
Need 2020 tax return by 5/31/2021.
Student loans will be paid outside of the plan.

1. The IRS filed a priority claim #2 in the amount of $567.93 which is not in the plan. Is it ok to pay this claim?

2. Trustee's objection:
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- The proof of income and tax returns provided show approximately $520 more in monthly income
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2757 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- Attorney will send cert regarding Social Security identification. (RECEIVED)

Plan proposes: $896 x 60 beginning 1/1/2021, $0 to guc's
Arrears: $0.00
Matter ResolvedRequest
Adjourment
1103/17/2021 10:00 am20-23356 / CMGYAKOV RUDIKHConfirmation Hearing ScheduledContinued
4/21/2021 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 3/15/2021 (at):

1. Objection filed by First Guaranty Mortgage (Romano Garubo) - failure to make post petition payments. (UNRESOLVED)

2. The IRS filed a priority claim #5 in the amount of $4,478.44 which is not in the plan. Is it ok to pay this claim?

3. First Guaranty Mortgage filed a secured arrears claim #9 in the amount of $17,994.31 which is not in the plan. Is it ok to pay this claim? (objection filed)

4. Trustee's objection:
The debtor has insufficient income verifies lower than scheduled.
-statement on spouse payroll loans showing balance and when paid in full (RECEIVED - ADDITIONAL $90/MONTH BEGINNING 9/2021)
-certification regarding the Zelle/Square deposits from September through December (NOT RECEIVED)
- CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION. LANGUAGE ADDED
- There is non exempt equity of $9,297.19 in real estate.

Plan proposes: 150 x 60 beginning 1/1/2021, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1113/17/2021 10:00 am20-23451 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 5 required payments   Arrears: $0  
Total Paid In: $2,461.00
updated 3/12/2021 (JMA)

OK TO CONFIRM AT $1,592 PAID TO DATE, $428X57 BEGIN 4/1/2021 100% PLAN WHICH INCLUDES MINIMUM $142,933.51 DIVIDEND TO GENERAL UNSECURED CREDITORS DUE TO NON EXEMPT EQUITY IN PROPERTY
-PRE CONFIRMATION CERTIFICATION TO BE FILED WITH COURT WITHIN 10 DAYS OF CONFIRMATION

issues as of 3/11/2021 (JMA)

1) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income RESOLVED, 2ND JOB INCOME PROVIDED
-the debtor has failed to file a feasible plan RESOLVED, 2ND JOB INCOME PROVIDED
-need to provide 2 months income for part time job (Allied) RESOLVED, PROVIDED
-need a modified plan that pays a minimum of $143,751 to general unsecured creditors UNSECURED CLAIMS ARE SIGNIFICANTLY LOWER AND THE BAR DATE HAS PASSED, THIS NEEDS TO BE A 100% PLAN DUE TO NON EXEMPT EQUITY
-the plan provides for payment on unsecured claims than that which would be distributed upon liquidation under Chapter 7 - there is $143,751 in non exempt equity in the residence - CLAIMS FILED FOR NEPTUNE WERE SLIGHTLY HIGHER REDUCING NON EXEMPT EQUITY TO $142,933.51 - STILL NEEDS TO BE 100%

proposed plan $398x60 begin 1/1/2021 minimum $2,414 dividend to general unsecured creditors
paid in $1592
last claim 5
Matter ResolvedRequest
Adjourment
1123/17/2021 10:00 am20-24088 / CMGKevin Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $400.00  Total Paid In: $1,600.00
AS of 3/10/21(mk):Updated-Atty ok to terms

>> If Motion to reclassify Claim #6-1 is Granted, Then **CAN REC CONFIRM AT $400 X 20 BEGIN 1/1/21, THEN $600 X 40 BEGIN 9/1/22; BASE**


1. Motion to Expunge(/ Modify (One Main Financial) claims on 3/17/21from secured to unsecured. No opp'n

2. IRS Filed POC that has Estimated portion for 2017- APOC filed RESOLUTION.

3.Trustee Objection:
-Need explanation of co debtor income as what was provided was no where near what is scheduled and Income for debtor verified at approx 1,000 less than scheduled. (Cert uploaded)
-debtor has insufficient income / verified income leaves monthly disposable income of -$2,901.39.
-current Plan does not specify treatment of claim 6 -1 filed by One Main under the Plan. MOTION FILED TO MODIFY THAT CLAIM FROM SECURED TO UNSECURED.



Plan:400 x20;600 x40 Base
2/3 payments
last claim:12-1, bar date:3/11/21
Matter ResolvedRequest
Adjourment
1133/17/2021 10:00 am21-10169 / CMGEdward Nathan VaismanConfirmation Hearing ScheduledContinued
5/5/2021 10:00 am
Debtor has made 5 of 4 required payments   Arrears: $0  

As of 3/12/21 Debtor attorney requested adjournment to file amended schedules and mod plan

As of 3/11/21 (DS): 1. Trustee obj to the following:
- Pension loan statement provided and monthly loan payment $211.81 ends in month 24.
- Need November and December bank statements from accounts 6527, 6012, 1032, 7319 and 8122.
- Amendment to Schedule A to add value of residence. There is non-exempt equity on real property $765.14.
- Debtor has undertaken an improper use of exemption. Specifically: Debtor has exceeded the D(5) exemption by $10,700. There is non-exempt equity on personal assets taking d(5).
- Excessive expenses on Schedule J such as: $800 Transportation, $492 Braces and Medical expense is $100 (need proof) and $250 Home maintenance.
- Income verifies higher, there is disposable income $2,831 deducting excessive expenses.
- Must file Pre-confirmation certificate.
- Must resolve creditor objection.
- 22C needs to be completely reworked by counsel, information is incorrect.
- Add to confirming order Debtors to provide updated proof of income by 8/31/21 and Debtors must provide 2020 tax return no later than 5/31/21.

2. Caliber (STERN & EISENBERG) obj to arrears owed, POC filed with arrears $1,140. Ok to pay?

Prop Plan $170 x 60 Base
Note: Value of life insurance provided.
Matter ResolvedRequest
Adjourment
1143/17/2021 10:00 am21-10170 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $1,550.00
As of 3/10/21 (DS): Recommend confirming at $550 paid, $500 x 34 begin 4/1/21; Base
AR RESOLVED DISP INC

1. Trustee obj to the following:
- Proof of income verifies higher, there is disposable income $728.76.

Prop Plan $275 x 36 Base
Note: 12 months P&L provided.
Matter ResolvedRequest
Adjourment
1153/17/2021 10:00 am21-10194 / CMGLEE M PERLMAN, ESQConfirmation Hearing ScheduledContinued
4/21/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $68.00  
issues as of 3/11/2021

1) Nationstar Mortgage LLC d/b/a Mr. Cooper (RAS Crane) objection to confirmation - need to resolve
-pre petition arrears $8,488.47
2) Trustee objection to confirmation - need to resolve
-balance statement on home equity loan with OceanFirst Bank, 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 - there is estimated non-exempt equity on real property $37,148, pending proof of home equity loan
3) Ally Capital filed a secured claim for a 2016 Chrysler 200 purchased 5/6/2019 - claim is not treated in plan

proposed plan $569x60 base plan with minimum $27,114 dividend to general unsecured creditors
paid in $1138
last claim 19
Matter ResolvedRequest
Adjourment
1163/17/2021 10:00 am21-10244 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $100.00  
341 now on for 4/8/21
1/2 payments
Matter ResolvedRequest
Adjourment
1173/17/2021 10:00 am21-10347 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
5/5/2021 10:00 am
Debtor has made 1 of 4 required payments   Arrears: $1,900.00  
AS of 3/11/21(mk):

-341 on for 3/4/21- NOW SCHEDULED FOR 3/25/21.
-1/2 payments

OTBS on LL Objection
Matter ResolvedRequest
Adjourment
1183/17/2021 10:00 am21-10471 / CMGYAKOV RUDIKHConfirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS of 3/11/21(mk):


1. IRS Estimated POC. No returns for 2017,2018 & 2020.

2. Trustee Objection:
-debtor has insufficient income . Verified income leaves dispos. income $72.29
-need CMA for 510 David Street.
-need copy 2020 tax return - by 5/31/2021
-need copy of the homeowner's insurance renewal declaration - for 510 David Street.
-need copy of most recent Mortgage statement for 510 David Street.
-need copy of the deed - for 510 David Street.
- order of distribution differs from TR Std Order.
Need to resolve the estimated claim filed by the IRS.
need explanation for Dec & Jan deposits of 600 that appear on bank statements. What is
source of those funds?
copy of Will of Margaret Guzzi( debtor's mother)
need name of probate atty for mother's estate and status of estate form the attorney
add to confirmation order any non exempt proceeds form mother's estate be turned over
to trustee.
- need pre conf cert.


Plan:$150 X 60 BEG 2/21; BASE
2/2 payments
last claim:15-1, bar date:4/1/21
Matter ResolvedRequest
Adjourment
1193/17/2021 10:00 am21-10488 / CMGKevin Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,600.00
AS OF 3/10/2021 (at):

RECOMMEND: $400 x 36 BEGINNING 2/1/2021, BASE
Need updated proof of income for the co-debtor by 7/31/2021.
Need 2020 tax return by 5/31/2021.
Claim #9 filed by Quicken Loans will be paid through the plan.

1. The IRS filed a priority estimated claim #10 in the amount of $9,093.45 (2019) which needs to be resolved/amended. (AMENDED CLAIM FILED 3/5/21 - $7,136.96 PRIORITY)

2. Quicken Loans filed a secured arrears claim #9 in the amount of $389.82 which is not in the plan. Is it ok to pay this claim?

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - . Need updated proof of income for co-debtor by 7/31/2021. (LANGUAGE ADDED)
- A copy of the homeowner's insurance renewal declaration - prior to confirmation hearing (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $400 x 36 beginning 2/1/2021, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
1203/17/2021 10:00 am21-10491 / CMGKevin Fayette, EsqConfirmation Hearing ScheduledContinued
4/21/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,206.00
Mk: atty will request adj till after bar date . Needs to review with client & explain transfers.Also if paying the arrears in #2 then there should be no payment on other portions of claim. should add language as to that treatment.

As of 3/15/21 (DS): Recommend confirming at $600 paid, $601 x 22 begin 4/1/21, $880 x 12 begin 2/1/23 100% to gucs or wait pass bar date 4/1/21

1. Trustee obj to the following:
- Debtor has failed to file a feasible plan, car loan monthly payment $420 ends in month 23 and would require a tier plan, there would be additional disposable income $1,968.
- Need to provide 2019 for spouse - PROVIDED AND TAX RETURN AGREES W/SPOUSE VERIFIED INCOME, ALSO TAX REFUND $1,363 WAS NOT LISTED ON SCHED I.
- Need 2020 tax return for both Debtor and non-filing spouse (if 2020 not filed, must provide no later than 5/31/21).
- Proof of income verifies higher, there is disposable income $1,548.12. Non-filing spouse income is higher than scheduled and tax refund also not listed. Recommend waiting pass bar date 4/1/21.

2. Arrears claim filed by Credit Acceptance for $926.96 and claim is bifurcated with unsecured $1,912.33. Plan list as outside. Claim needs to be resolved. PER ATTORNEY OK TO PAY ARREARS AND UNSECURED TO BE PAID PRO RATA

Prop Plan $300 x 36 Base
Matter ResolvedRequest
Adjourment
1213/17/2021 10:00 am21-10545 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,012.00
as of 3/11/2021 (JMA)

OK TO CONFIRM AT $253X36 BASE PLAN WHICH INCLUDES MINIMUM $4,136.82 DIVIDEND TO GENERAL UNSECURED CREDTIORS
-MUST FILE PRE CONFIRMATION CERTIFICATION WITH COURT WITHIN 10 DAYS OF CONFIRMATION


1) Trustee objection to confirmation - need to resolve
-need a statement showing cash surrender value of whole life policy RESOLVED, PROVIDED, VALUE IS $181.39 - NOT LISTED ON SCHEDULE C, HOWEVER, PLAN PROPOSES MINIMUM DIVIDEND TO GENERAL UNSECURED CREDITORS
-need to file Pre Confirmation Certification

proposed plan $253x36 base plan with minimum $4,136.82
paid in $506
last claim 2
Matter ResolvedRequest
Adjourment
1223/17/2021 10:00 am21-10689 / CMGFRANCIS P CULLARI, ESQConfirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS of 3/12/21(mk):Updated

>>Plan is 100% & bar date is 4/7/21. Needs to resolve#1<<


1. Objection byCarington(Hill Wallack):
Plan fails to pay arrears POC $24,004.93
Plan has unaffected.

2. Trustee Objection:
-need 2020 tax return Debtor& non -filing spouse by 5/31/21.
-Income verifies higher & 122c has dispos income( PLAN IS 100%) .
- Must file Pre-confirmation certificate.



Plan:595 x 60;100%
2/2 payments
last claim:12-1, bar date:4/7/21
Matter ResolvedRequest
Adjourment
1233/17/2021 10:00 am21-10692 / CMGFRANCIS P CULLARI, ESQConfirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS of 3/4/21(mk):

>>Plan is 100% & bar date is 4/7/21. Needs to resolve#1<<


1. Objection by New Rez/ Shellpoint( McCalla):
Plan fails to pay arrears POC $2,484.15.

2. Trustee Objection:
Plan is above median so commitment period 60 mos -but can shorten for 100%.
-need 2020 tax return by 5/31/2021.
-need a statement for the co-debtor's pension loan.
-Verified income = monthly dispos. income of $5,099.91 -the plan must remain
100% to creditors.
-Per the 22C, monthly disposable income is $2,655 which requires a minimum dividend of
$159,300 to general unsecured creditors or 100%.
-There is $139,087.00 in non exempt equity in the residence.
-need to file Pre-Confirmation Certification


Plan:885 x 36;100%
2/2 payments
last claim:12-1, bar date:4/7/21
Matter ResolvedRequest
Adjourment
1243/17/2021 12:00 pm19-29240 / CMGEric ClaymanMotion CompensationOrder Previously SubmittedTotal Paid In: $5,185.00
2/22/219mk): revised order submitted


2/16/21(mk): TR Obj. Needs revised Order.
Matter ResolvedRequest
Adjourment
1253/17/2021 12:00 pm20-12899 / CMGDaniel Straffi, Esq.Motion CompensationOrder Previously SubmittedTotal Paid In: $5,219.00
Hearing on Fee App.

mk:Revised Order submitted to Chambers 2/26/21 resolved TR obj.
Matter ResolvedRequest
Adjourment
1263/17/2021 12:00 pm20-22492 / CMGEdward Hanratty, Esq.Motion CompensationGrantedTotal Paid In: $2,700.00
Matter ResolvedRequest
Adjourment
1273/17/2021 2:00 pm18-10553 / CMGJustin M. Gillman, Esq.Motion SellOrder to be SubmittedTotal Paid In: $55,473.00
3/16/219mk): OTBS- revised Order submitted- OK


JUDGE TO HEAR AT 2:00PM ON 3/17/21.

>>Deadline for Straffi's client competing bid is 3/15/21.NO OFFER


Michelle Hyers/Mason obj *WITHDRAWN*( Sraffi); Polyorgani reply (Rosen)<>15 SHARES OF POLYORGANIC

Tr Objection: re: auctioneer commission & awaiting further info/clarification on company financials
Matter ResolvedRequest
Adjourment
1293/17/2021 2:00 pm18-10553 / CMGJustin M. Gillman, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
4/7/2021 9:00 am
Total Paid In: $55,473.00
JUDGE TO HEAR AT 2:00PM ON 3/17/21.


1/22/21(mk): MOTION TO SELL- ON 3/3/21-

1/15/21(mk); Atty email:We have entered a Contract to Sell Shares and we will be adjourning our Motion and Poly Objection to a date to coincide with hearing on Motion to Sell Poly Shares. Expect that to be filed next week with Notice of Private Sale so needs time .

1/14/21: Working on resolving

>>>MTN TO SET PUBLIC AUCTION /APPROVE BIDDING PROCEDURES OF POLYORGANIC SHARES FOR 3/8/21 TO 3/10/21

>>Objection by Polyorganic Corp Shareholders

Matter ResolvedRequest
Adjourment
1283/17/2021 2:00 pm18-10553 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/7/2021 9:00 am
Total Paid In: $55,473.00
JUDGE TO HEAR AT 2:00PM ON 3/17/21.

MP on for 4/7/21


1/15/21(mk); Atty email:We have entered a Contract to Sell Shares and we will be adjourning our Motion and Poly Objection to a date to coincide with hearing on Motion to Sell Poly Shares. Expect that to be filed next week with Notice of Private Sale so needs about 30days.


1/14/21: Motion to Approve Bidding procedures on for 1/20/21. Working on resolving that

11/15/20: Auctioneer appt. waiting for sale date.

Debtor obj<>FAILED TO TURN OVER NON-EXEMPT PROCEEDS FROM PRIVATE SALE OF POLYORGANIC STOCK BY 6/30/20 OR IN THE ALTERNATIVE FROM A PUBLIC SALE BY 9/30/20; FAILED TO FILE A REPORT BY 9/1/20 REGARDING STATUS OF AN AUCTION
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes