Judge Mark Edward Hall
Hearing Date: 3/26/2025
Hearing Count: 0
Last Updated: 03-14-2025 06:51 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am18-23993 / MEHPeter J. Broege, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $125,923.00
ARREARS
Matter ResolvedRequest
Adjourment
63/26/2025 9:00 am19-24217 / MEHJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $17,139.00
Per AR, okay to ADJ to 3/26/25 Peremptory (dm)

1/17 AMT; TR ORDER TO CHAMBERS FOR FILING; MTN ADJ TO 3/5

ADJ to 1/22 - AR will put an Order together (dm)
ADJ to 12/10 - AR to contact Atty about what he needs (dm)
Still need status of claim against NJ Transit Rail Ops (dm)

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

Debtor obj<>FAILED TO PROVIDE TRUSTEE WITH PI STATUS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am19-28756 / MEHAndrew Thomas Archer, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $33,151.00
Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am20-10406 / MEHScott M. Wilhelm, Esq.Motion Reopen Ch. 13 Case (fee)Order to be Submitted
OTBS - Atty to tender $2,646 in his possession to close out the case (dm)

Trustee OBJ

MTN REOPEN TO COMPLETE PLAN
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am20-10406 / MEHScott M. Wilhelm, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition Filed
MTN TO ALLOW DEBTOR TO COMPLETE PLAN
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am20-10406 / MEHScott M. Wilhelm, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)No Opposition Filed
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am20-10406 / MEHScott M. Wilhelm, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)3rd Party Matter
Matter ResolvedRequest
Adjourment
63/26/2025 9:00 am20-10859 / MEHCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $64,517.00
ADJ to 3/26/25 Peremptory - any additional submissions no later than 3/19/25 on the Docket - debtor attorney to contact Anita regarding funds on hand that may have affected escrow on the new mortgage amount (dm)

ADJ to 2/11/25 - Small arrearage (dm)
Debtor obj, made payment<> RUSHMORE/Joseph Pl (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am20-13114 / MEHThomas G. Egner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $26,218.00
Debtor obj, will pay<>FAILED TO PAY PLAN BALANCE
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am20-14492 / MEHCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $202,111.00
Debtor obj<>SELECT PORTFOLIO (RAS)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am20-15273 / MEHAndrew Thomas Archer, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $11,700.00
Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am21-10876 / MEHHerbert B. Raymond, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceNo Opposition FiledTotal Paid In: $41,286.00
MTN TO APPROVE EXTENSION OF CREDIT - ERMA Funding
Matter ResolvedRequest
Adjourment
93/26/2025 9:00 am21-15994 / MEHRobert Cameron Legg, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $19,746.00
Debtor obj, made pymt<>WILMINGTON SVGS/Valencia Dr ( Pluese Becker)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am21-16453 / MEHS. Daniel Hutchison, Esq.Motion Reinstate StayNo Opposition FiledTotal Paid In: $48,470.00
MTN TO REINSTATE STAY
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am22-10131 / MEHEdward Hanratty, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $16,883.00
US BANK TRUST NAT'L ASSOC/Route 33 W (RAS)
Matter ResolvedRequest
Adjourment
143/26/2025 9:00 am22-11927 / MEHBruce C. Truesdale, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $40,672.00
Debtor obj, can pay<> MOUNTAINVIEW AT GREENBROOK (Mcgovern)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am22-12095 / MEHJoan Sirkis Warren, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $27,708.00
Debtor obj, requests recap<> LEGACY MTG/Plane St (RAS)
Matter ResolvedRequest
Adjourment
123/26/2025 9:00 am22-12526 / MEHJohn Zimnis, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $51,790.00
ADJ to - creditor anticipated that it will be withdrawn before next Hearing - the March payment needs to at least be pending with TFS by the next court date - okay per AR

Debtor obj, made pymt 1/16 for Dec and will pay Jan <>US BANK/Toms River rd (RAS)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am22-12621 / MEHMaureen Vella, Esq.Trustee Certification of DefaultNo Opposition FiledTotal Paid In: $55,321.00
Debtor obj, will pay<> ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am22-12794 / MEHKarina Pia Lucid, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $103,606.00
ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am22-17204 / MEHJustin M. Gillman, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $32,300.00
ABS LOAN TRUST/Woodfern Rd (RAS)
Matter ResolvedRequest
Adjourment
153/26/2025 9:00 am22-17404 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $20,275.00
Motion granted but need to resolve arrears - ADJ to 3/26
debtor obj, fill file mtn
<<<>>>
FAILED TO FILE MTN TO APPROVE DISTRIBUTION OF AUTO LOSS PROCEEDS/2018 ELANTRA (motion is now pending)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-10035 / MEHAllen I. Gorski, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $3,245.00
FAILED TO ADDRESS CAP ONE POC #14-1 FILED AS UNSECURED WITH PRE-PET SECURED ARREARAGE-PLAN PROVIDES FOR CURRENT OUTSIDE; ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-11659 / MEHLaurence R. Sheller, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $35,678.00
ARREARS
Matter ResolvedRequest
Adjourment
253/26/2025 9:00 am23-11659 / MEHLaurence R. Sheller, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $35,678.00
AMT: TR CONDUIT REQUEST<>

Debtor obj, will pay<>CARRINGTON MTG/Nor Laine Drive (Hill Wallack)
Matter ResolvedRequest
Adjourment
233/26/2025 9:00 am23-11836 / MEHJohn Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $11,830.00
AMT: MP 3/26

Debtor obj, made pymts<>ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-12727 / MEHEric J. Clayman, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $23,085.00
RELISTED - 9/4/24 HEARING WAS OTBS<>

Debtor obj, made pymts not accounted for<> MAIDEN WOODS CONDO (McGovern)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-13462 / MEHBrad J. Sadek, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $4,644.00
Debtor obj, can pay<> ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-13977 / MEHKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $23,350.00
ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-14081 / MEHYakov Rudikh, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $155,066.00
ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-14150 / MEHRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $25,380.00
Debtor obj, made pymts<>ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-14773 / MEHRussell L. Low, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition FiledTotal Paid In: $12,247.00
LOSS MIT/SPECIALIZED LOAN
Matter ResolvedRequest
Adjourment
353/26/2025 9:00 am23-15116 / MEHDonald C. Goins, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $44,700.00
ADJ to 3/26 Peremptory for at least 1 payment (dm)

CREDITOR POSITION ON CONDUIT IS UNKNOWN PER MARIA COZZINI (dm)
DEBTOR AGREES TO CONDUIT (dm)

AMT:TR LTR REQUESTING CONDUIT<>

Debtor obj<>CARRINGTON/Lenny Court (Stern & L)
Matter ResolvedRequest
Adjourment
343/26/2025 9:00 am23-15116 / MEHDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $44,700.00
ADJ to 3/26 Peremptory for at least 1 payment (dm)

AMT: MP 3/26**

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

>>Motion to modify POC on 9/4

NEEDS TO RESOLVE CAPITAL ONE POC #10-1
plan had secured unaffected - they filed a GUC claim (no deficiency stated) - plan is 100% - pay it in full at 100%??
Matter ResolvedRequest
Adjourment
323/26/2025 9:00 am23-16113 / MEHPeter E. Zimnis, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $11,698.00
Atty holding $1,500 in money orders - ADJ to 3/26
Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment
393/26/2025 9:00 am23-16113 / MEHPeter E. Zimnis, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $11,698.00
ADJ to 3/26 Peremptory
Debtor obj, will make pymt & requests recap<>BRIDGECREST CREDIT/2019 Caravan (Lavin Cedrone)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-16927 / MEHThomas J. Orr, Esq.Motion Relief from Stay (Fee)No Opposition Filed
FREEDOM MTG /Granite Lane (BROCK)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-17065 / MEHRussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $9,400.00
FAILED TO LM BY 12/31/24
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-17191 / MEHJoan Sirkis Warren, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition Filed
MTN REINSTATE CASE
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-17981 / MEHDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $5,400.00
PENNYMAC/Hickory Lane (POWERS)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-17981 / MEHDaniel E. Straffi, Esq.Motion Cross Motion3rd Party MatterTotal Paid In: $5,400.00
Chapter 7 Trustee Cross Motion to Convert back to Chapter 7
Matter ResolvedRequest
Adjourment
363/26/2025 9:00 am23-18830 / MEHDaniel E. Straffi, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objections
Debtor obj, will pay<> WELLS FARGO/Jordan Rd (Brock & Scott)
Matter ResolvedRequest
Adjourment
383/26/2025 9:00 am23-18836 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $8,000.00

Debtor obj, filed MP<>FAILED TO SELL EAST HINES ST PPTY BY 10/1/24
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-19586 / CMGEugene D. RothMotion to Cancel DischargeNo Opposition Filed
MTN TO CANCEL DISCHARGE LIENS: BOARDWALK REGENCY (J-078229-2008; CHASE BANK (J-274007-2009); ADB (DJ-190572-2010); OCEAN MEDICAL CENTER (DJ-126567-2014)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-20501 / MEHMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $5,848.00
FAILED TO SELL LAUREL BROOK PPTY BY 12/31/24; SV/US BANK
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am23-21005 / MEHDavid G. Beslow, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $15,000.00
Debtor obj, filing MP<>FAILED TO REFI BY 2/14/25
Matter ResolvedRequest
Adjourment
493/26/2025 9:00 am23-21030 / MEHAndrew M. Carroll, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $14,010.00
AMT: MP 3/26***<<>>

Debtor obj<>FAILED TO ADDRESS NJ DIV TAX LATE FILED CLM #13-1; PLAN NEEDS EXTENDED IF LATE CLAIM ALLOWED
Matter ResolvedRequest
Adjourment
503/26/2025 9:00 am23-21686 / MEHCandyce I. Smith-Sklar, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $7,256.00
ADJ to 3/26 - debtor may be current (dm)
AMT: TR CONDUIT REQUEST<>

Debtor obj, making pymt & requests 6 mo cure<>NEXUS NOVA /Lakeapur Lane (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
443/26/2025 9:00 am24-10009 / MEHMelinda D. Middlebrooks, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $14,323.00
$1,774 money orders mailed on 2/8 - ADJ to 3/26

Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-10745 / MEHBruce H. Levitt, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $18,790.00
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-11120 / MEHEric P. LeBoeuf, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $26,000.00
NEWREZ/SHELLPOINT-Boulder Lake Dr (STEWART)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-11347 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $3,850.00
FAILED TO LM BY 11/6/24; NOT FEASIBLE DUE TO NJ TURNPIKE #7-1; ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-11679 / MEHOtto J. Kostbar, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $17,575.00
Debtor obj<>ALLY BANK/2023 alfa romeo giulia sedan (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
593/26/2025 9:00 am24-12780 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $3,900.00
Debor obj, filed Loss Mit extension (check for Order); will address late claim (Motion Granted)

<<<>>>

FAILED TO LM BY 10/1/24 (Loss Mit extended to 3/3/25); FAILED TO ADDRESS MCKENNA LATE CLM #8-1 (motion pending 3/5/25)
ad
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-13648 / MEHMichelle Lee, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $3,529.00
FAILED TO LM BY 1/31/25; FAILED TO FILE FEE APP FOR SUPP FEES PROPOSED IN PLAN
Matter ResolvedRequest
Adjourment
523/26/2025 9:00 am24-13761 / MEHWarren S. Jones, Jr., Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $5,650.00
AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj, requests recap<>M&T BANK /Hannibal St (McCALLA)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-14058 / MEHThomas G. Egner, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $5,275.00
Debtor obj, made pymt & requests recap<> ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-14149 / MEHJohn Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $48,600.00
Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-14208 / MEHMarc C. Capone, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTotal Paid In: $5,500.00
LOSS MIT
Matter ResolvedRequest
Adjourment
623/26/2025 9:00 am24-14208 / MEHMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $5,500.00
Debtor obj<>FAILED TO LM BY 8/26/24; EXTENDED LOSS MIT EXPIRED 1/31/25
Matter ResolvedRequest
Adjourment
633/26/2025 9:00 am24-15219 / MEHAllen I. Gorski, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $2,453.00
ADJ to 3/26 Peremptory for some real plan to address arrears (dm)

$550 TFS to clear 2/11 - ADJ to 3/5 for some plan to cure arrears now that debtor is back to work (dm)

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-15276 / MEHJames J. Cerbone, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objections
Debtor obj<>FED HOME LOAN/Valerie Court (HLADIK)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-16087 / MEHJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $864.00
SV/SANTANDER; PLAN NOT FEASIBLE DUE TO SUPP FEES ADDED TO PLAN
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-16136 / MEHFrancis P. Cullari, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $10,880.00
CARMAX AUTO/2015 Audi (EISENBERG)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-16139 / MEHBruce C. Truesdale, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $962.00
FAILED TO LM BY 1/1/15; FAILED TO ADDRESS RENAISSANCE LATE CLM #7-1; FAILED TO ADDRESS US BANK GLOBAL PER PLAN CLAIM; ARREARS
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-16369 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $16,252.00
FAILED TO LM BY 1/1/25
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-16385 / MEHGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $4,164.00
FAILED TO LM BY 1/1/25; ARREARS
Matter ResolvedRequest
Adjourment
633/26/2025 9:00 am24-17280 / MEHPeter E. Zimnis, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $3,500.00
ADJ to 3/26 - Contract Date/Closing is scheduled for 3/7 - sale motion is scheduled for 3/5

Debtor appeared in Court 1/22 without Mr. Zimnis - ADJ to 2/11

NEWREZ/SHELLPOINT- iowana Ave (RAS)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-17280 / MEHPeter E. Zimnis, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $3,500.00
CREDIT ACCEPTANCE/2013 Equinox (EISENBERG)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-17290 / MEHRobert H. Johnson, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition Filed
MTN TO EXPUNGE CLM
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-17290 / MEHRobert H. Johnson, Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)Needs Resolution of Issues - Objections
Trustee OBJ
- Motion fails to meet Abbotts Dairies of PA standard.
- Need to amend Paragraph #6 in proposed order - case unconfirmed.

Wells Farto limited obj (Brock & Scott)<> MTN TO SELL WHEATFIELD CT PPTY
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-17358 / MEHDaniel E. Straffi, Esq.Motion File Claim After Claims Bar DateNo Opposition Filed
LATE FILED CLM/SANTANDER (STERN LAVINTHAL)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-18238 / MEHRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)No Opposition Filed
CITIZENS BANK /Mill Pond Way(McCABE)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-18751 / MEHJeanie D. Wiesner, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
MTN TO VACATE DISMISSAL
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-19293 / MEHJoan Sirkis Warren, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $1,000.00
FREEDOM MTG/ Herbert Ln (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-19715 / MEHPaul H. Young, Esq.Motion Relief from Stay (Fee)No Opposition Filed
US BANK TRUST /Emaline Ave McCALLA)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-19718 / MEHJoan Sirkis Warren, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objections
Note - CO submitted on Confirmation OBJ - cure arrears with ERMA by 8/26/25 (dm)

Debtor obj<>WILMINGTON TRUST (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-21149 / MEHDavid A. Kasen, Esq.Application in Support of Consent Order to Modify ClaimNeeds Resolution of Issues - Objections
Trustee response<>DEBTOR APP TO MODIFY HORNER CLM # 3-1
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-21216 / MEHDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayNo Opposition Filed
NATIONSTAR MTG /Raleigh Dr (PLUESE)
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-22153 / MEHChristopher G. Cassie, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
MTN TO VACATE DISMISSAL
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am24-22422 / MEHJeffrey E. Jenkins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)No Opposition Filed
Matter ResolvedRequest
Adjourment
03/26/2025 9:00 am25-10236 / MEHBruce H. Levitt, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition Filed
LOSS MIT
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am20-17727 / MEHSteven J. Abelson, Esq.AP 24-1477 TrialJudge to Reserve DecisionTotal Paid In: $45,600.00
AO 24-1477 GAUL VS. US DEPT ED/ Trual
Matter ResolvedRequest
Adjourment
883/26/2025 10:00 am22-17461 / MEHWarren S. Jones, Jr., Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 29 of 30 required payments   Arrears: $274.00  Total Paid In: $16,979.00
ADJ to 3/26 - Atty to address feasibility

updated 3/3/2025 (JMA)
issues as of 2/28/2025 (JMA)

1) Need to provide current proof of income, 2024 tax return in support of debtors ability to make higher plan payment- NOT PROVIDED
2) Proposed last tier does to pay claims in full. The tier needs to be $2,112x31 begin 3/1/2025 (or $2,183x30 begin 4/1/2025 )

proposed plan $560.62x5, $578x23, $2,043.57x32 base plan
paid in $16,016.97
arrears $658.13
31 months to go
Matter ResolvedRequest
Adjourment
843/26/2025 10:00 am23-11836 / MEHJohn Zimnis, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 26 of 24 required payments   Arrears: $920.00  Total Paid In: $11,830.00
2/11/25 - Loan Mod App within 14 days for lender to review - creditor will report to Debtor whether debtor is available for a Loan post-trial default - ADJ to 3/26

AS OF 2/5/2025 (at):

1. Objection filed by SN Servicing (Friedman Vartolo) - failure to cure arrears of $73,233.18 and a loan modification is not guaranteed. (UNRESOLVED)

MP proposes: $8,610 paid to date, $460 x 41, loan modification by 5/1/2025, base
Arrears: $460
(The debtor defaulted on her 12 month trial period for a potential loan modification, so she re-started the process to obtain a loan modification.)
Matter ResolvedRequest
Adjourment
903/26/2025 10:00 am23-15116 / MEHDonald C. Goins, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 57 of 21 required payments   Arrears: $0  
Total Paid In: $44,700.00
ADJ to 3/26 Peremptory for at least 1 payment (dm)

ISSUES AS OF 2/28/2025 (DM):

 ADJ to 3/5 - need to see first Trustee payment of $1,000 hit before the end of February.

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

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

2) MP provides $7,207.50 secured treatment to The Crossing at Aberdeen Condo Assn - claim filed as unsecured and has been receiving GUC treatment (100% PLAN, CLAIM WILL BE PAID IN FULL THROUGH PLAN)


Confirmed Case: $790 x 36, $1,000 x 24, 100% Plan w $155k Min Div.
Prop. MP: $790 x 36, 100% Plan.
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am23-18836 / MEHDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 16 of 17 required payments   Arrears: $500.00  Total Paid In: $8,000.00
As of 3/12/25(mk):


1. US Bank(Friedman V):
- plan fails to pay full arrears

2.Trustee Objection:
- Prior plan payment was 500 p/m MP provides for $2200
NO AMENDED I & J FILED AND NOO CURENT POI



MP proposes:$2200 x 43; 100%
REMOVE LM MAKE IT A CURE PLAN

Plan has run 17 mos and 43 remain
Matter ResolvedRequest
Adjourment
923/26/2025 10:00 am23-19331 / MEHJohn Michael McDonnell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0  

AS OF 2/28/2025 (at):

1. The attorney's fees in the plan and disclosure statement do not agree. One of these must be amended. (NEITHER AMENDED)

2. Santander Consumer filed a secured arrears claim in the amount of $478.48 for a 2019 Nissan Sentra which is not in the plan. Is the debtor going to pay this claim?

3. Mill City Mortgage filed a secured arrears claim in the amount of $532.79 which is not in the plan. Is the debtor going to pay this claim?

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - with current comps. The comps provided closed in 2023. Zillow has value at 568,200 (NOT RECEIVED)
- Proof of 2 month's income - for non filing spouse. (NOT RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- At the Zillow value of the home, there is non exempt equity of $235,494.57. Plan needs to
be 100% (AWAITING UPDATED CMA)
- Must file per conf cert. (NOT FILED)

Plan proposes: $415 x 60 beginning 11/1/2024, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
933/26/2025 10:00 am23-20409 / MEHBrian S. Thomas, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 11 of 16 required payments   Arrears: $8,062.00  Total Paid In: $45,748.00
ISSUES AS OF 2/28/2025 (DM):

 ADJ to 3/5 to review the OTBS from Santander

1) Santander (Bill Craig) OBJs - proposed interest rate of 8% is too low (OTBS.)

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

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


Confirmed Case: $13,500 Ptd, $4,031 x 54, 100% Plan w $162k Min Div.
Prop. MP: Ptd, $5,481 x 47, Base Plan.
PTD = $41,717, Arrears $4,031 as MP filed.
Last Claim (18-2) dated 2/16/24.
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am23-21030 / MEHAndrew M. Carroll, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 13 of 16 required payments   Arrears: $2,715.00  Total Paid In: $14,010.00
As of 3/12/25(mk): email to atty

Work up on Plan #40

>>Last pay was Jan. arrears 2,715- NEEDS TO MAKE A RECENT PAYMENT , THEN CAN WORK UP

1. Plan has Toms River MUA for per plan priority- $568.79- No claim filed and bar dates have passed- This will be stricken




MP proposes:$1075 X 58; 100%
TO MODIFY TREATMENT OF SECURED CRED
plan has run16 mos and 31 remain

Prior conf:$8125 PTD (8 MOS) $1075 X 39 BEG 8/1/24 ; 100% PRESERVE EQUITY T/H OF $431,811 ; ATTY FEE $4750/$4750 ; STRIKE SECTION 3(a) IN REFERENCE TO TOMS RIVER MUA ;
PLAN SHORTENED TO 47 MOS**
Matter ResolvedRequest
Adjourment
973/26/2025 10:00 am24-14065 / MEHRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 8 of 11 required payments   Arrears: $600.00  
Cameron advises closing is now scheduled for 3/13/25.
AR RESOLVE OR HOLD
ISSUES AS OF 2/26/2025 (DM):

 ADJ to 3/5 Peremptory (dm)

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

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

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

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

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

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

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

***RESOLVED ISSUES***

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

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


Prop. Plan $200 x 36, Base
- sale of Bridgewater Dr within 6 months
PTD 8/10 = $1,600
Last Claim (15-2)
Matter ResolvedRequest
Adjourment
943/26/2025 10:00 am24-14544 / MEHGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $1,250.00  
AS OF 2/3/25 (SF)

1. Citizens Bank filed arrears claim 19-1 in the amount of $2801.22 which is not addressed in plan. (OK TO PAY?)

2. The stay is vacated as to Americredit/GM Financial and deficiency claim filed.

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

4. Trustee objection:

- Amendments to Schedules schedules to include the new job and November income

- Verified income leaves monthly disposable income of $2,542.24.

- Per the 22C, monthly disposable income is $2,687 which requires a minimum dividend of $161,220 to general unsecured creditors.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,269.00 when determining disposable income.

- There is $48,146 in non exempt equity in the residence.

- Need to file Pre-Confirmation Certification.


Plan proposes $1250 x 60 100% Plan
Payments: 3/4 Arrears: $1250





Matter ResolvedRequest
Adjourment
1003/26/2025 10:00 am24-15268 / MEHJames J. Cerbone, Esq.Confirmation Hearing on Modified PlanPending - Work-up in ProcessDebtor has made 4 of 10 required payments   Arrears: $2,134.00  Total Paid In: $1,854.00
Was on the Honor Roll, but Tammy needs to review Consent Order proposed by Brock & Scott

issues as of 2/21/2025 (JMA)

ok to confirm at $1,673 paid to date, $362x51 begin 3/1/2025 0% plan
Matter ResolvedRequest
Adjourment
1013/26/2025 10:00 am24-15292 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 9 of 10 required payments   Arrears: $1,985.00  
ISSUES AS OF 3/12/2025 (DM):

***TO CONFIRM THE DEBTOR NEEDS $17,895 PTD, $5,964 x 1 STARTING 4/1/25, THEN $2,276 x 49 STARTING 5/1/25, 0% PLAN, TRUSTEE IS AUTHORIZED TO PAY IRS PRIORITY/SECURED POC (1-3) AND STATE OF NJ PRIORITY/SECURED POC (8-2), LOAN MOD ON NEW REZ/SHELLPOINT MTG POC (13-1) BY 10/1/25, NO PAYMENT OR RESERVE PENDING THE LOAN MOD, STRIKE SECURED PLAN TREATMENT TO BARNEGAT TWP***

 TFS pending 3/3 for $5,964, and 4/1 for $5,964 - Per AR ADJ to 3/26.

 ADJ to 3/5 - AR will review a Cert provided by the debtor regarding the sale of the juice business (SEE CERT UPLOADED TO POST-341 MISC DOCS - Okay per AR.)

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

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

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

***RESOLVED ISSUES***

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

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

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

C) Trustee OBJ:
- Must file Pre-Confirmation Certification (FILED.)
- Excessive Expense Sch J: $340 auto insurance - verifies $123 (MOOT BASED UPON SSI.)
- Need 2 months proof of income from person contributing $1,900 (RECEIVED.)
- Need auto insurance for 2014 Isuzu Medium Duty (SURRENDERED.)
- Need auto insurance for 2014 Ducati (SEE POST-341 MIS DOCS.)
- Need valuations for all cars, trucks, tractors and motorcycles etc. (SEE POST-341 MISC D
Matter ResolvedRequest
Adjourment
953/26/2025 10:00 am24-15548 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 9 of 10 required payments   Arrears: $683.00  
Per AR, ADJ to 3/26 to try and figure out an Interim Confirming Order - note that Vasara is the creditor and Vervent is the Servicer.

Atty wants to ask the Judge to invalidate the claim based upon the default judgment against Vasara - claim filed by Vervent (dm)

ISSUES AS OF 2/5/2024 (DM): proposed terms below updated.

 ADJ to 2/11 - Atty wants to get a better idea of where the Adv Pro is going.

 Atty advised that Default has been requested in Adv. Pro. - ADJ to 11/20 Peremptory (CREDITOR FILED A MOTION TO VACATE DEFAULT JUDGMENT.)

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $5,464 PTD, THEN $1,053 x 52 STARTING 2/1/25, 100% PLAN WITH $113,965 THRESHOLD PRESERVED, STRIKE PRIORITY PLAN TREATMENT TO THE STATE OF NJ, TRUSTEE IS AUTHORIZED TO PAY HYUNDAI CAPITAL $544.16 ARREARS POC (10-1), TRUSTEE SHALL RESERVE ON VERVENT INC POC (11-1) AND SHALL NOT DISBURSE RESERVED FUNDS UNTIL FURTHER ORDER OF THE COURT***

1) Vervent Inc. filed a $25,045.88 general unsecured claim. Debtors' attorney has indicated that he will move against this claim (DEBTOR FILED AN ADVERSARY COMPLAINT - NEED RESULT.)

2) Trustee OBJ:
- Excessive Expenses: $600 cable/internet/phone, $1,040 childcare, $975 transportation. Need proof of expenses 10 days prior to confirmation.
- Verified income leaves monthly disposable income of $2,159.

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need updated car insurance - expires 8/2/24 (RECEIVED.)
- There is $113,965 non-exempt equity in the residence (100% PLAN.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $683 x 60, 100% Plan
PTD 8/9 = $5,464
Last Claim (17-1)
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-16062 / MEHCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 8 of 9 required payments   Arrears: $0  

ISSUES AS OF 3/12/2025 (DM):

***If no objection is filed to the MP, then to Confirm the Debtors need $2,510 PTD, THEN $403 x 51 STARTING 4/1/25, BASE PLAN, DEBTOR SHALL MOVE AGAINST US BANK POC (8-1) IF CLAIM IS NOT AMENDED BY 5/1/25***

1) SN Servicing (Friedman Vartolo) OBJs - $53,030.60 arrears on Conover St property (NO OBJ FILED TO THE MP & ERMA FUNDING ORDER ENTERED1/24/25.)

***RESOLVED ISSUES***

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

B) Trustee OBJ:
- Must resolve the bifurcated claim of American First Finance - $200 secured and $385.36 unsecured for a total claim of $585.36. (MOTION TO EXPUNGE CLAIM GRANTED.)
- Need amended Sch I and proof of income for new job at Seabox (RECEIVED PAY STUBS AND AMENDED SCH I FOR AEROTEK.)
- Need homeowner's insurance which provides personal liability coverage (RECEIVED.)
- Need a MP that marks off Part 1e (MP FILED.)
- Need service to West Lake Financial (OBJECTION FILED - OKAY.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $257.50 x 8, $321.83 x 52, Base Plan
- ERMA Funding approved
PTD 9/9 = $2,510
Last Claim (21-1)
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-16568 / MEHMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 9 of 9 required payments   Arrears: $0  

3/5/25 MEH Decision - no bad faith finding - ADJ to 3/26 for work-up (dm)

AR NOTE GOOD FAITH OBJ SEE debtor response to creditor OBJ by 2/5, FILED 2/21/25 response by creditor Filed 2/28/25

AS of 2/24/25(mk):


CASE will be 9 MOS OLD in March.

1. Trustee Objection: DEBTOR REPLY TO CREDIOTR OBJECTION FILED -
- says filed in good faith and filed due to claim of Mr. Fishman.

- Plan has cram IRS secured to 4,745- APOC for 4,745 - STRIKE PLAN CRAM AND PAY SECURED CLAIM OF $4,745.


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

Plan:$650 X 36; BASE
8/8payments

----RESOLVED-----------
NO CERT OF SERVICE on cram of IRS or lien strip of creditor Kapitus and Francis David Corp. FILED
- plan fails to address objection of creditor Fishman
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-16811 / MEHJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending - Work-up in ProcessDebtor has made 6 of 8 required payments   Arrears: $76.00  
ISSUES AS OF 2/5/2024 (DM): email sent to Tammy & Dan. They are working on a CO for sale by 2/11/26.

 ADJ to 2/11 Peremptory - if not resolved, submissions by both parties 1/30 so that case is ready for the Judge per AR

 This must be a 100% plan due to non-exempt equity.
 To date there is no proof of efforts to sell - no motion to sell, appointment of realtor, etc.

1) Nancy Bushman (DAN STRAFFI, ESQ) filed and objection to confirmation based upon DSO. Note - the objection includes a proposed POC, but it does not appear that the POC was independently filed - we will need a consent order (UNRESOLVED)

2) Discover Loans filed $35,306.42 secured judgment claim not treated in the plan (PAY AT SALE.)

3) Trustee OBJ:
- There is $147,195 non-exempt equity in real estate, OceanFirst checking acct of $488 and
savings acct pending statements.
- Need to add to confirming order non-exempt proceeds from sale of Lawrence Drive.
- Income verifies higher - there is disposable income of $1,138 per month.
- Form 22c has disposable income $1,575.69 - requires $94,541 Min Div to GUCs.
- Excessive Expenses: Food $750, Car payment $1,500, Boat $590. Must provide proof of expenses 10 days prior to confirmation.
- Need to file Pre-Confirmation Certification (UNRESOLVED.)

***RESOLVED ISSUES***

A) Toyota Motor Credit filed a bifurcated ($67,875 secured/$18,920.63 unsecured/$315.19 arrears) claim for a 2021 Ford F-250 - need to specifically advise Trustee how the claim is to be treated (PER TAMMY, PAY THE ARREARS.)

B) Truist Bank filed $924.50 arrears claim on 2020 Sea Chaser (OK TO PAY?? - Yes)

C) Trustee OBJ:
- Need to provide updated auto insurance - insurance expires 8/20/24 (RECEIVED.)
- Need DSO information (RECEIVED.)
- Need Property Settlement Agreement and order of support payments (DIVORCE NOT RESOLVED, NO SETTLEMENT STATEMENT TO PROVIDE.)
- Need proof of boat insurance (RECEIVED.)
- Excessive Expenses: support payments $1,600 (RECEIVED COURT ORDER.)
- Need 2 months bank
Matter ResolvedRequest
Adjourment
1663/26/2025 10:00 am24-16919 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 8 required payments   Arrears: $1,000.00  
ADJ to 3/26 - Debtor to respond to 109(e) issue by 2/22
AS of 1/13/25(mk): NOTING HAS BEEN DONE SINCE PAST HEARING ON THE CASE except debtor filed answer to ADV PRO for non dischargeability.

>>CASE 6 MOS OLD AND ALL ISSUES ARE UNRESOLVED


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

AS OF 10/11/24 (SF)

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

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


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

3. Trustee objection:

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

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

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

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

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

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

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

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

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

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

- Must add to confirming
Matter ResolvedRequest
Adjourment
1093/26/2025 10:00 am24-17337 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 8 required payments   Arrears: $2,106.00  
ISSUES AS OF 3/12/2025 (DM):

***TO CONFIRM, INCLUDING THE $3,121 MONTHLY CONDUIT PAYMENT, THE DEBTORS NEED $6,629 PTD, $3,531 BY 3/31/25, THEN $4,478 x 52 STARTING 4/1/25, BASE PLAN WITH $30,430 MINIMUM THRESHOLD DIVIDEND TO GENERAL UNSECURED CREDITORS***

 Pingora Loan Servicing has a MFR scheduled for 1/22/25 (CONDUIT/OTBS.)

 12/18/24 email from Heidi Spivak at Perlman's office - updated CMA value is lower than all three comparable properties listed in the updated CMA due to adjustment made by the Realtor (NEED CERTIFICATION FROM REALTOR. Received signed letter from relator.)

1) Pingora Loan Servicing (Brock & Scott) OBJs - $22,565.67 arrears on Monmouth Rd property (CONSENT ORDER ENTERED.)

2) Trustee OBJ:
- Need CMA with comparable sales within the last 6 to 9 months (UPDATED CMA PROVIDES 3 COMPARABLE PROPERTIES, HOWEVER RECOMMENDED VALUE DOES NOT REFLECT THE AVERAGE VALUE OF THE 3 PROPERTIES. Received signed letter from realtor explaining the adjustment made to value.)
- Need June & July bank statements for Capital One savings acct #1740 (UNRESOLVED.)
- There is $2,116 non-exempt equity in 2006 Dodge Ram, $100 in the ATV, $300 in the 1986 Honda TRX, $100 in the Ruger, $400 in the Glock, $701 in checking acct #3496, Capital One savings acct (pending statements), and $1,000 in livestock.


Prop. Plan $947 x 60, Base Plan
PTD 7/8 = $6,629
Last Claim (19-1)
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-17358 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 8 required payments   Arrears: $6,750.00  
ADJ to 3/26 to Convert or Dismiss - no need to rework
---------

AS of 3/3/25(mk): Updated

CASE IS 8 MOS OLD.

4/8 payments Arrears $6,750 Last pay was NOV 2024

341 was 2/20/25

1. State of NJ Division of Taxation filed an estimated claim which needs to be amended.

2. Santander filed late claim for MTG- arrears $3002.95- plan has unaffected- MOTION FILED TO PAY LATE CLAIMON FOR 3/26/25

3. Trustee Objection:
-Need Amendments to Schedules D to list mortgage on residence. I &
J to remove business income


-------RESOLVED----------------------
100% plan
-There is $141,506 in non exempt equity in the residence.
- There is $159,090 in non exempt equity in the personal property and business.
-add lang to terms that -any non exempt assets form mothers estate needed to complete pan at 100% to be paid
to trustee.


PLan:$1500 X 60; N/E APPROX $150K; 100%
4/7 payments
Matter ResolvedRequest
Adjourment
1043/26/2025 10:00 am24-17792 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $475.00  
ADJ to 3/26 - Anita does not have conduit numbers from creditor yet.
ISSUES AS OF 2/7/2025 (DM):

***Debtor needs to address plan feasibility based upon secured claims filed by the IRS & NJ. Also need Rushmore objection resolved***

 ADJ 2/11 - DAN WILL REVIEW ANITA"PROPOSED CONDUIT ORDER.
 MFR by Rushmore (Charles Wohlrab) pending.

1) IRS filed $41,101.10 secured claim and $1,288.43 priority claim not treated in the plan (PAY PER POC.)

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

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

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

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

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


Prop. Plan $500 x 60, Base
- Loan Mod on Nixon Ave by 3/1/25
PTD 4/6 = $2,025
Last Claim (10-3)
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-18238 / MEHRobert Cameron Legg, Esq.Order Vacate Dismissal of CaseNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 7 required payments   Arrears: $1,020.00  
AS of 3/14/25(mk):


MRF on 3/26/25


1.Objection By Mill Pond(McGovern):
-plan fails to treat claim.
Bifurcated claim #4-1 filed by Mill Pond, Secured (35,089.12) amt and unsecured amt.(5,256.55) No arrears- Need treatment for claim

2. Trustee Objection:
-Need updated Snap benefit and proof of utility assistance.

-Debtor did not include spouse in the filing, Schedule H lists Jaydaah Vega with claims for Lincoln Auto Financial and Mohela/Student loans. Plan does not provide for payment of student loans for non-filing spouse and does not state the loans are outside and
unaffected by plan - NEED TO RESOLVE.
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-18380 / RG David L. Stevens, Esq.AP Summons IssuedMoot - Transferred Out
Matter ResolvedRequest
Adjourment
1863/26/2025 10:00 am24-18624 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 7 required payments   Arrears: $0  

ISSUES AS OF 1/12/2025 (DM):

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

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

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

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

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

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

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

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

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

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


Prop. Plan $500 x 24, $2,500 x 36, $95,000 Min Div
PTD 4.5/5 = $2,250
Last Claim (27-1)
Matter ResolvedRequest
Adjourment
1113/26/2025 10:00 am24-18871 / MEHJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $218.00  
ISSUES AS OF 1/31/2025 (DM):

 Shellpoint has a pending MFR.

1) Purchasing Power LLC filed $1,790.11 secured claim not treated in the plan for Pizza Oven, GE Dishwasher and Travel - need to address this secured claim (PAY CLAIM AS FILED.)

2) Shellpoint Mtg filed a slightly higher arrears claim at $22,938.31 (OKAY TO PAY??)

3) Trustee OBJ:
- Debtor has insufficient income (MOOT.)
- Need 2nd pay stub from August (RECEIVED.)
- Need 2023 tax return (RECEIVED.)
- Need to file Pre-Confirmation Certification (FILED.)
- Need statements for the debtor's two 401k loans (UNRESOLVED. NOTE - ONE LOAN IS $27.71 PER PAY AND THE OTHER LOAN IS $40.60 PER PAY.)


Prop. Plan $425 x 60, $0 Plan
PTD 4/4 = $1,696
Last Claim (5-2)
Matter ResolvedRequest
Adjourment
1123/26/2025 10:00 am24-18886 / MEHRonald E. Norman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0  

ISSUES AS OF 2/7/2025 (DM):

1) Trustee OBJ:
- Need proof of income for Board of Education job (RECEIVED - DISPOSABLE INCOME IS $5,130 PER MONTH AND FORM 122C DISPOSABLE INCOME IS $4,990.48 PER MONTH.)
- There is $66,678 non-exempt equity in real estate
- Need to serve Plan Motions on Capital One (UNRESOLVED.)
- Order of Distribution departs from Trustee standard
- Need to file Pre-Confirmation Certification (UNRESOLVED.)

***RESOLVED ISSUES***

A) Freedom Mortgage (BROCK) OBJs - $4,861.19 arrears on Farmington Ct property (CO ENTERED.)

B) Trustee OBJ:
- Debtor has insufficient income (MOOT.)
- Need proof of insurance for 2011 Nissan (RECEIVED.)
- Need proof of insurance for 2021 Subaru (RECEIVED.)
- Need a statement for co-debtor's 401k loan (RECEIVED.)


Prop. Plan $1,000 x 60, Base Plan
- student loans treated outside of the Plan
PTD 4/5 = $4,000
Last Claim (13-1)
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-18938 / MEHCamille J. Kassar, Esq.Order Vacate Dismissal of CaseRecommend Dismissal - No 341 Hearing HeldDebtor has made 4 of 6 required payments   Arrears: $1,234.00  
issues as of 3/14/2025 (JMA)

1) 341 not held, not rescheduled

$350x1, $617x59 100% plan
paid in $2201
arrears $1234
last claim 5-1
Matter ResolvedRequest
Adjourment
1133/26/2025 10:00 am24-19028 / MEHThomas G. Egner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $345.00  
ISSUES AS OF 1/31/2025 (DM):

 12/9/24 (DS): Atty needs time to resolve State of NJ estimated tax claim.

1) State of NJ filed $2,325.78 priority claim that includes estimated taxes for 2022 not treated in the plan (UNRESOLVED.)

2) IRS filed $5,853.05 priority claim not treated in the plan (OKAY TO PAY??)

3) Trustee OBJ:
- Need homeowner insurance with personal liability coverage (RECEIVED.)
- There is $32,094 non-exempt equity in the residence, $880 in PNC Bank acct#9344, $38 in PNC Bank acct#9705, $211 in Acorn acct, and $5 in NBKC Bank - total $33,228 (100% PLAN.)


Prop. Plan $345 x 60, 100% Plan
PTD 4/4 = $1,380
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
1143/26/2025 10:00 am24-19099 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0  

ADJ to 3/26 - Atty to send AR the reservation language to be included in the confirmation order.

ISSUES AS OF 1/31/2025 (DM):

 ADJ to 2/11 - Atty looking for info on Beneficiary Trust that debtor controls per Trust Atty Letter (DEBTOR CERTIFICATION FILED AS DOC #18.)

1) Financial Resources FCU filed bifurcated claim (secured $21,00/unsecured $4,582.01) on 2019 Subaru Ascent with no arrears. How should claim be treated (TREAT ENTIRE CLAIM AS SECURED UNAFFECTED OUTSIDE THE PLAN.)

2) Trustee OBJ:
- Need Schedule A of Rausch Living Trust forms, which shows the assets involved in the Trust, which Debtor is to inherit 1/19 interest, per page 14 Article 7.
- Add to confirming order non-exempt proceeds from aunt's Trust acct who has passed away.


Prop. Plan $400 x 60, Base Plan
- student loans treated outside the Plan.
PTD 4/4 = $1,600
Last Claim (14-1)
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-19197 / MEHErik M. Helbing, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 6 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-19276 / MEHJames J. Cerbone, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 5 of 6 required payments   Arrears: $640.00  
Matter ResolvedRequest
Adjourment
1933/26/2025 10:00 am24-19299 / MEHAndre L. Kydala, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 6 required payments   Arrears: $0  

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

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

AS OF 1/17/2025 (at):

1. 341 is scheduled for 1/30/2025
2. Payments: 5/4, $100 credit
Matter ResolvedRequest
Adjourment
1163/26/2025 10:00 am24-19321 / MEHAdam Schneider, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 6 required payments   Arrears: $100.00  
AS OF 3/14/25 (SF)

Property was sold on 2/27/25. HUD and nonexempt proceeds received. (There are audit issues with the HUD that must be resolved)


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


2. Trustee objection:
- The debtor has insufficient income .
- There is $1,395,621 in non-exempt equity in the residence. (100% PLAN)
- There is $46,600 in non-exempt equity in the bank account.
- Need a consent order for trustee to make adequate protection payments to Jay
Servicing.


Plan proposes $100 x 60 100% Plan, Sale by 1/2025
Payments: 5/6 Arrears: $100



RESOLVED:
- Need to file Pre-Confirmation Certification. (FILED)
- Need tax declaration Form. (CERT PROVIDED)
- Need update on the sale of properties. (NEED STATUS OF SALE) PER ORDER SALE TO TAKE PLACE WITHIN 90 DAYS OF 12/4/24. (HUD RECEIVED)
Matter ResolvedRequest
Adjourment
2053/26/2025 10:00 am24-19487 / MEHVincent E. Villamor, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0  

1) Toyota Motor Credit (Stewart Legal Group) objection to confirmation - need to resolve
- car loan will be paid during the debtor's plan, need to pay $45,975 through plan

proposed plan $820x60 base plan
paid in $1,640
last claim 1-1
Matter ResolvedRequest
Adjourment
1983/26/2025 10:00 am24-19571 / MEHAndre L. Kydala, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 5 of 6 required payments   Arrears: $2,500.00  
AS OF 3/14/2025 (at):

CASE PENDING SINCE 9/27/24. NEED STATUS OF THE TWO ADVERSARY PROCEEDINGS.

1. Objection filed by North Jersey FCU (McKenna, DuPont) - loan and credit card taken out on 6/25/24. Adversary proceeding filed. (UNRESOLVED)

2. Objection filed by United Teletech FCU (McKenna DuPont) - loan was taken out on 6/4/2024. Adversary proceeding filed. (UNRESOLVED)

3. Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s):
- Income verified higher than scheduled amount with disposable net income of $6,696.09. Plan payment only proposes $2.500 x 60
- Excess income on Schedule J - $750/food (1 person); $750/transportation (1 person);
$1,000/parents mortgage payment and food. Need to provide supporting documentation of excess expenses. (NOT RECEIVED)
- SOFA Part 3 #6 debtor paid $15,000 to casinos for gambling. Part 6 #15 debtor checks off "No" to losing because of gambling. Schedule E/F lists $408,000 to various casinos.
- Form 122c-2 Line 45 monthly disposable income $3,043 which requires minimum $182,580 to general unsecured creditors
- proof of claim #5 filed with an unsecured account balance of $7,499.36. The credit card
was taken on June 25, 2024 and the bankruptcy case was filed September 27, 2024.
United Teletech Financial Federal Credit Union (McKenna DuPont) objection to
confirmation - need to resolve
-proof of claim filed on behalf of creditor outlining an unsecured account with a balance
due of $18,813.60 (adversary proceeding filed under claim #24-01643,
-Debtors plan is not in good faith.
-Creditor requests the debtor's proposed plan be denied.

RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $23,972 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- North Jersey
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-19712 / MEHEric J. Clayman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 5 required payments   Arrears: $840.00  
AS of 3/12/25(mk): 3/5 payments(arrears $840)- NEEDS TO BE CURRENT TO CONFIRM IF OBJ IS RESOLVED

1.Objection by Sureway Management(LL) Michael Greenblatt, Esq);
- Fails to provide prompt cure


2. Trumark Financial filed a bifurcated claim for secured 1,001.35 and unsecured $2543.60 and no arrears. PLAN FAILS TO TREAT THIS CREDITOR TR NEEDS CLARIFICATION ON TREATMENT.

3. Trustee Objection:
-Need September and October bank statements for Trumark and Wells
Fargo bank accounts.
- Need to file Pre-Confirmation Certification.
-Need to provide the names of the personal injury attorneys
- Plan fails to provide for a prompt cure of rental arrears.


Plan: $420 X 36; 0%
3/5 payments
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-19715 / MEHPaul H. Young, Esq.Order Vacate Dismissal of CaseRecommend Dismissal - No 341 Hearing HeldDebtor has made 3 of 5 required payments   Arrears: $2,200.00  
issues as of 3/14/2025 (JMA)

1) 341 not held, not rescheduled
2) Motion relief from stay/US Bank

proposed plan $1100x60 base
paid in $3,300
arrears $2,200
last claim 25-1
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-19718 / MEHJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 5 required payments   Arrears: $200.00  
Matter ResolvedRequest
Adjourment
2053/26/2025 10:00 am24-19738 / MEHCarol L. Knowlton, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 5 required payments   Arrears: $2,695.00  
issues as of 1/13/2025 (JMA) atty provided TFS proof of payment

1) Nationstar Mortgage LLC (McCalla Raymer) objection to confirmation - need to resolve
-arrears claim filed with pre-petition arrears in the amount of $50,381.09 (OTBS TO PAY PER POC)
2) Trustee objection to confirmation - need to resolve
- A current market analysis - with 6 months of recent comps with properties recently sold. Only 1 comp sold $390,000 5/24/24.
- A copy of the last filed tax return - for 2023 for spouse.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): Disposable income may verify higher, pending updated proof of income from Debtor.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $6,356 when determining disposable income.
- Must resolve creditor objection.
- Must file Pre-confirmation certification.
- Must file fee application w/in 7 days form confirmation.
- US Dept of HUD claim will be treated as unaffected and outside plan.

proposed plan $900x60 base plan
paid in $900
arrears $1,800
last claim 4-1
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-20301 / MEHErik M. Helbing, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0  

issues as of 12/5/2024 (JMA)

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

proposed plan $1,355x60 minimum $67,045.36 to gucs
paid in $2,710
arrears $1,355
last claim 29-1
Matter ResolvedRequest
Adjourment
2143/26/2025 10:00 am24-20452 / MEHBrian F. O'Malley, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $755.00  
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-20562 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 11 of 5 required payments   Arrears: $0  

Note: Motion to Sever is scheduled for 2/11/25 - debtor are not legally married (dm)

AS OF 2/5/2025 (at):

1. 341 has not been held or rescheduled.
2. Payments: 3/4, arrears $526
Matter ResolvedRequest
Adjourment
1243/26/2025 10:00 am24-20644 / MEHScott J. Goldstein, Esq.Confirmation Hearing ScheduledPending - Work-up in ProcessDebtor has made 1 of 5 required payments   Arrears: $100.00  
updated 2/10/2025 (JMA)
issues as of 1/31/2025 (JMA)

1) IRS filed a priority claim that includes estimated taxes for 2022 and 2023 not treated in the plan (AMENDED - OKAY TO PAY $14,480.02 PRIORITY??)

2) State of NJ filed a priority claim that includes estimated taxes for 2022 and 2023 not treated in the plan (AMENDED - OKAY TO PAY $312.27 PRIORITY??)

3) Wells Fargo Bank (BROCK & SCOTT) OBJs - must pay no less than $67,378.71 representing the pre-petition arrears - Plan proposes to pay in full amount of $80,630 (CONSENT ORDER ENTERED - PAY SECURED CLAIM AT SALE BY 3/31/25.)

4) JPMorgan Chase (POWERS KIRN) OBJs - $23,946.67 arrears and sale plan is speculative (CONSENT ORDER ENTERED - PAY SECURED CLAIM AT SALE BY 4/1/25.)

5) Trustee OBJ:
- Need to provide statements for the Merrill acct #4N88, listed on Schedule A/B - RESOLVED, PROVIDED
- Wells Fargo Bank (Brock & Scott) objection to confirmation - pre-petition arrears $67,378.71. TO BE PAID IN FULL AT SALE
- JPMorgan Chase Bank (Powers Kirn) objection to confirmation - pre-petition arrears $24,100. ORDER RESOLVING OBJECTION
- Debtors attorney needs to file fee application within 7 days of confirmation
5) Debtor response to Trustee objection:
-contract of sale obtained
-motion to sell anticipated to be filed within a week
-contract price for property $449,000
-including real estate transfer fee there should be at least $170,000 to pay balance of claims

6) Estimated payoff of the plan totals $187,386.84 which includes all claims and Trustee compensation


Prop. Plan $100 x 60, 100% Plan
- sale of house by 3/31/2025 (SOLD & FUNDS RECEIVED)
PTD 4/5 = $142,819.43
Last Claim (9-2)
Matter ResolvedRequest
Adjourment
2223/26/2025 10:00 am24-20657 / MEHDavid G. Beslow, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 5 required payments   Arrears: $4,000.00  
AS OF 3/13/2025 (at):

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

2. The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)

3. Renee Schulz filed a priority DSO claim in the amount of $109,032.15 which is not in the plan. Is the debtor going to pay this claim?

4. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- need PNC Bank statements from October and September 2024 (NOT RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- There are excessive expenses on Schedule J: $850/car insurance; $797/car payment; $744/car
payment; $456/payment for daughters car (OK,
AS LONG ASCASE REMAINS 100% PLAN)

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification with Court (FILED)
- plan does not provided for claim #4-1 for DSO arrearages in the amount of $109,032.15 (LISTED ABOVE)

Plan proposes: $2,000 x 60 beginning 11/1/2024, 100% plan
Payments: 3/5, arrears $4,000
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-20738 / MEHRobert Manchel, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $1,345.00
as of 3/14/2025 (JMA)

ok to confirm at $1,345 paid to date, $285x55 begin 4/1/2025 base plan

proposed plan $795 paid to date, $285x56 base plan
paid in $1,345
55 months to go
Matter ResolvedRequest
Adjourment
2273/26/2025 10:00 am24-20801 / MEHJohn Michael McDonnell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $1,392.00  
As of 1/21/25 (DS): Debtor atty requested adj without the consent of obj creditor. Request denied.

341 sched 2/13/25, however, Debtor is still missing 2023 Tax returns 2nd page showing tax refund amount received.
Matter ResolvedRequest
Adjourment
1323/26/2025 10:00 am24-20970 / MEHRobert C. Nisenson, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 4 required payments   Arrears: $600.00  
ISSUES AS OF 3/13/2025 (DM):

1) Trustee OBJ:
- Need proof of income for contributor Frank Steinhauser (UNRESOLVED.)
- Need name of attorney handling wrongful termination case for non-filing spouse (UNRESOLVED.)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need 2024 tax return by 5/15/25 (LANGUAGE ADDED - NEED BY 5/15/2025.)


Prop. Plan $300 x 60, 100% Plan
- sale of Brunswick Ave within 6 months
PTD 2/4 = $600
Last Claim (4-1)
Matter ResolvedRequest
Adjourment
2323/26/2025 10:00 am24-20978 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 4 required payments   Arrears: $0  

As of 1/13/25(mk):


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

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

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

--------------------
-Current Plan does not specify treatment of US Dept of
HUD under the Plan.ADD LANG TO TEMS UNAFFECTED AND OUTSIDE - NO ARREARS
- Add to confirming order Debtor to provide updated proof
of income and 2024 tax returns
for both Debtor and spouse, no later than 6/1/25
- need 2023 tax return for spouse (provided)
- need Statement for Acorn Securities and Acorn Investment
for 10/1/24 -10/31/24.
- Must provide 2 months bank statements from Chime Bank,
NBKC Bank/Acorn, Discover Bank savings acct and Capital
One savings/checking acct, prior to filing date.
ALL PROVIDED - NO EQUITY
- need Statement for Acorn Securities and Acorn Investment
for 10/1/24 -10/31/24. PROVIDED
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-21149 / MEHDavid A. Kasen, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $25.00  
ISSUES AS OF 3/13/2025 (DM):

***Robin London-Zeitz has circulated a proposed Consent Order to resolve the Adv. Pro. Need response from debtor's attorney and the Trustee***

1) PC8REO LLC (Robin London-Zeitz, Esq) OBJs - plan is not feasible and creditor is currently the owner of the property based upon tax foreclosure judgment (UNRESOLVED.)

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

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

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


Prop. Plan $25, Base Plan.
- sale/refi of Conover St within 6 months.
PTD 3/4 = $75
Last Claim (4-1)
Matter ResolvedRequest
Adjourment
2423/26/2025 10:00 am24-21216 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $400.00  
As of 1/15/25 (DS): 1. Trustee obj there is non-exempt equity in the residence $249,224. Add to confirming order non-exempt equity in the residence. Plan propose 100%.

2. Nationstar (STUART H. WEST) obj to sale date being 12/1/25. Obj must be resolved.

Prop Plan $400 x 60 begin 12/1/24; 100% and Sale of Raleigh Dr by 12/1/25
Matter ResolvedRequest
Adjourment
2463/26/2025 10:00 am24-21293 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

issues as of 3/14/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is non-exempt equity in the residence of $81,021 (2 of the comps on the CMA were properties sold in 2023, added all 3 comps to get an estimate $298,333).
- Bank of America (2015 Jeep) filed arrears $339.53.

proposed plan $1,342x60 with minimum $64,285 dividend to gucs
paid in $5,368
last claim 23-1
Matter ResolvedRequest
Adjourment
2483/26/2025 10:00 am24-21320 / MEHEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0  

As of 1/10/25 (DS): 341 not held 1/9/25, still missing business forms and P&L for Debtor and spouse, Deed and mortgage statements.
Matter ResolvedRequest
Adjourment
2523/26/2025 10:00 am24-21377 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 4 of 4 required payments   Arrears: $250.00  
AS OF 3/13/2025 (at):

1. Santander Consumer filed a secured arrears claim in the amount of $2,143.20 for a 2001 Ford Econoline which is not in the plan. Are the debtors going to pay this claim?

2. Santander Consumer filed a secured arrears claim in the amount of $1,146.97 for a 2004 Chevy G3500 which is not in the plan. Are the debtors going to pay this claim?

3. Ally Capital filed a secured arrears claim in the amount of $1,373.29 for a 2023 Jeep which is not in the plan. Are the debtors going to pay this claim?

4. Lakeview Loan Servicing filed a secured arrears claim in the amount of $1,152.34 which is not in the plan. Are the debtors going to pay this claim?

5. Trustee's objection:
- The debtor has insufficient income.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s):
- Excessive expense on Schedule J: $956/month car payment

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- there is $64,763.55 non-exempt equity in house. (LANGUAGE ADDED)

Plan proposes: $500 x 60 beginning 12/1/2024, refinance by 12/1/2025, not less than $57,000 to unsecured creditors
Payments: 3/4, arrears $250
Matter ResolvedRequest
Adjourment
1283/26/2025 10:00 am24-21398 / MEHAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
2573/26/2025 10:00 am24-21500 / MEHRobert C. Nisenson, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 4 required payments   Arrears: $6,782.00  
issues as of 3/14/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- Proof of rental income - such as rental leases or proof of rental payments. RESOLVED, PROVIDED P&L STATEMENT
- A Modified Plan that corrects attorney fees or amended attorney disclosure must be filed. Both do not agree. TO DATE AMENDED ATTORNEY DISCLOSURE STATEMENT HAS NOT BEEN FILED. TO DATE MODIFIED PLAN HAS NOT BEEN FILED.

proposed plan $3,394x60 begin 12/1/2024 100% plan
paid in $6,794
arrears $6,782
last claim 4-1
Matter ResolvedRequest
Adjourment
1343/26/2025 10:00 am24-21705 / MEHJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $1,797.00  
issues as of 3/14/2025 (JMA)

1) M&T Bank (McCalla Raymer) objection to confirmation - need to resolve
- pre-petition arrears $181,064.12
- Debtor in his capacity as President of R7 Lease Purchase, Inc executed and delivered a US Small Business Administration Note in the principal amount of $554,000 to M&T Bank.
- To secure repayment of the SBA Note debtors executed and delivered a US Small Business Administration Unconditional Guarantee to M&T, to secure the repayment of the SBA Note.
- To further secure repayment of the SBA Note, debtors executed and delivered to M&T a mortgage on their residential property 70 Equestrian Drive, Burlington, NJ. The mortgage dated 6/11/2019 in the amount of $554,000.
- R7 defaulted under the terms of the SBA Note, resulting in the acceleration of the debt and SBA Guarantee and the initiation of a foreclosure on residential property.

2) R7 Lease Purchase Inc provided November 2024 profit and loss statement reflecting negative income of $7,105.69

3) Trustee objection to confirmation - need to resolve
- Provide Trustee with statement from Robinhood and Acorn for the month of Nov. 2024 and 2 months bank - RESOLVED, PROVIDED
- Provide Trustee with statements from WSFS Bank Business acct#7668. - RESOLVED, PROVIDED
- Must file Pre-confirmation certification - STILL NOT FILED TO DATE
- Need Certification regarding payments the inside (Nicole Grifone) received in the last 12 month.
- Need Certification regarding business operations for R7 Lease Purchase Inc and R7 Trucking LLC. Need P&L statements if business is still operating.

proposed plan $1,797x60 begin 12/1/2024 base plan with loan mod by 7/31/2025
paid in $5,391
arrears $1,797
last claim 30-1
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-21814 / MEHJeffrey H. Ward, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 0 of 4 required payments   Arrears: $2,254.00  
issues as of 3/14/2025 (JMA)

1) To date debtor has not made Trustee plan payments, arrears $2,253.88
2) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income. Debtors disposable net income is negative $201.82.
- The debtor has failed to supply the Trustee with the following document (s): A copy of the homeowner's insurance renewal declaration - need proof of insurance for both 1305 Squirrel Road and 1405 Evans Road - forced placed insurance is not sufficient coverage.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): - As of now there is some equity in both pieces of real property. Trustee will be entitled to any non-exempt
equity upon sale.
- Debtor started job in November 2024, the three paystubs verify lower than the amount on Schedule I. Debtor to provide additional paystubs to the present for clearer picture.
- Any non-exempt equity form sale of real property is to be paid to Trustee.
- Toyota Motor Creditor Corporation (Stewart Legal Group) objection to confirmation - estimated amount of $39,934.15 and anticipated arrears in the amount of $17,724.51.

proposed plan $386.11x58 base plan with sale of 2 properties by 6/1/2025
paid in $0
arrears $2,253.88
last claim 24-1
Matter ResolvedRequest
Adjourment
1423/26/2025 10:00 am24-21901 / MEHRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $200.00  
As of 2/10/25 (DS): Debtor atty requested adj to pass bar date.

As of 2/7/25 (DS): 1. Trustee obj to the following:
- 401(k) monthly loan paymt $166 ends in month 14, requires tier plan.
- There is non-exempt equity in the residence $22,787 and $24,945 in the bank and stocks total $47,732. RECOMMEND WAITING PASS BAR DATE 2/11/25 TOTAL GUCS FILED $8,576.16.
- Must resolve creditor obj.

2. MCLP Asset (PADGETT LAW GRP) obj to arrears not paid pending loan mod and loan mod. Obj must be resolved.

Prop Plan $200 x 60 begin 1/1/25; Base and Loan mod on Norman St to be outside
Note: 401(k) loan statement provided.
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-21953 / MEHLaurence R. Sheller, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

atty request adj to after bar date
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-21968 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $911.00  
issues as of 3/14/2025 (JMA)

1) IRS priority claim estimated for 2022 & 2023 taxes
2) IRS guc claim estimated for 2018, 2019 & 2020 taxes
3) State of NJ, Division of Taxation priority claim estimated for 2021, 2022 & 2023 taxes
4) State of NJ, Division of Taxation guc claim estimated for 2018, 2019 & 2020 taxes
5) Trustee objection to confirmation - need to resolve
- Debtor needs to provide updated profit and loss statements to support ability to fund his plan.
- Estimated tax claim by IRS

proposed plan $911x36 0% plan
paid in $1,822
arrears $911
last claim 7-1

Matter ResolvedRequest
Adjourment
1443/26/2025 10:00 am24-22022 / MEHDouglas G. Mitchell, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 3 required payments   Arrears: $870.00  
AS OF 3/14/25 (SF)

1. 341 NOT HELD DUE TO MISSING DOCUMENTS
2. PAYMENTS: 2/3 ARREARS: $870



Per AR, ADJ to 3/26 with 341 scheduled due to personal reason of the Atty (dm_)
Matter ResolvedRequest
Adjourment
1463/26/2025 10:00 am24-22029 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  



Matter ResolvedRequest
Adjourment
1483/26/2025 10:00 am24-22082 / MEHThomas G. Egner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $535.00  
As of 2/10/25 (DS): Debtor atty requested adj pass bar date

As of 2/5/25 (DS): Recommend waiting pass bar date 2/18/25 or confirm at $430 paid, $1,063 x 58 begin 3/1/25; 100% with a min. div. $35,108 to gucs due to non-exempt equity;
- Trustee ok to pay arrears claim#9-1 of Pennymac $11,027.79 and claim#6-2 of City Burlington $949.13.
- Student loans to be treated outside.
- Ewage order within 10 days.

1. Trustee obj to the following:
- Disposable income verifies $1,086. Schedule I fails to add tax refund $7,525.
- There is non-exempt equity in the residence $35,108.
- Disposable income verifies $1,086. Tax refund $7,525 not listed on Sched I.

2. PennyMac obj resolved, but no consent order on docket, need to confirm terms are to pay POC arrears $11,027.79.

3. City of Burlington filed arrears claim $949.13, not in plan. Trustee ok to pay?

Prop Plan $465 x 60 begin 1/1/25; 100%
Note: Bank statements provided for Credit Union.
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-22519 / MBKJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 3 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-22522 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 1/29/25 (SF)


Trustee objection:

- Need PERS/PFRS loan balance statement prior to filing date for Debtor.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Home
maintenance $250, Electricity/Gas/Heat $585, Cell $475, Phone/Cable/Internet $250,
Childcare/Education Cost $646 and Auto insurance $640.

- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): - 22C has disposable income $3,026.86. (100% Plan.)

- Disposable income verifies $5,267.
- There is non-exempt equity in the residence $158,472, 2019 Subaru Ascent $8,550, 2019
Subaru Impreza $6,359, 2003 Subaru WRX $2,272 (100% Plan)

- Must provide 2 months bank (Nov & Dec) statements for the TD Bank accts#9657 and
#0631.

- Must resolve IRS estimated priority tax claim 1-1

- Must file Pre-confirmation certification.

- Must file fee app within 7 days from confirming order.


Plan proposes $1525 x 60 100%
Payments: 1 of 1
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-22639 / MEHThomas G. Egner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $344.00  
AS OF 2/24/25 (SF)

RECOMMEND $688 PTD, $623 X 58 (BEGIN 3/1/25) BASE W/MIN $19,632 TO GUCS PER NONEXEMPT EQUITY IN PERSONAL PROPERTY


Trustee objection:

- There is non-exempt equity in Ardent Bank checking acct $2,981, 3 Fulton Bank checking
acct#8335 $48, acct#8231 $4,461, acct#8240 $1,450 and 2 Republic Bank Business checking
acct#6910 $4,811 and acct#3474 $5,881.



Plan proposes $344 x 60 Base
Payments: 2/2

RESOLVED:
- The debtor has failed to provide proof of service with respect to Plan Motion (s) (CERT FILED)




Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am24-22704 / MEHNicholas Fitzgerald, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 3 required payments   Arrears: $216.00  
AS OF 3/14/2025 (at):

RECOMMEND: $432 PAID TO DATE, $225 x 33 BEGINNING 4/1/2025, BASE WITH A MINIMUM OF $3,500 TO UNSECURED CREDITORS
- Non exempt proceeds from lawsuit against Debitblue are to be turned over to the trustee.
- Need updated income for debtor and spouse by 9/5/2025.
- Need 2024 tax return by 5/15/2025.

Trustee's objection:
The debtor has insufficient income .
- Add to confirming order Debtor to provide 2 months updated proof of income for Debtor and non-filing spouse 6 months prior to confirming and 2024 tax returns. (LANGUAGE ADDED)
- Westlake filed arrears claim $685.22. (VEHICLE SURRENDERED IN MODIFIED PLAN)
- Add to confirming order non-exempt proceeds from lawsuit against Debitblue to Trustee. (LANGUAGE ADDED)
- Must file Pre-confirmation certification. (FILED)

Modified Plan before confirmation proposes: $216 x 36 beginning 1/1/2025, not less than $3,500 to unsecured creditors
Payments: 2/3, arrears $216
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10011 / MEHAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

issues as of 3/13/2025 (JMA)

1) Bank of America (Frenkel Lambert) objection to confirmation - need to resolve
- plan treats the creditors claim as secured and outside of the plan
- the plan does not treat arrears through plan
- creditor estimates pre-petition arrears to be $2,512.35
2) Ally Capital filed claim with $14,200 secured, $128.95 unsecured and $367.44 arrears - plan only treats claim as current and outside the plan. Need to advise Trustee how the claim is being paid NEED TO RESOLVE
3) Cavalry SPV I, LLC filed secured claim in the amount of $5,669.20 -this claim is not addressed in the debtors plan - need to resolve
4) Trustee objection to confirmation - need to resolve
- A Modified Plan that surrenders Wyndham timeshare
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): -there is $28,863.31 non-exempt equity in house. Amended IRS priority claim may reduce
non-exempt equity.
- IRS priority claim estimated for 2023 and 2024 taxes. Amended claim filed, still estimated for 2024 taxes (return not filed to date).


proposed plan $422x60 base plan with minimum $18,586 to general unsecured creditors
paid in $844
last claim 31-1
Matter ResolvedRequest
Adjourment
1683/26/2025 10:00 am25-10013 / MEHJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $530.00  
AS OF 3/14/2025 (at):

Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- Domestic Support Obligation information debtor advised support is not court ordered. (NOT RECEIVED)
- Proof of 6 months of payments need to be provided to the trustee. (NOT RECEIVED)
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
-Plan motions to avoid liens for the following creditors Sterling Jewelers, Police & Fire FCU (2 motions) and LVNV Funding. (CERT OF SERVICE NOT FILED)
- Form 122c-2 Line 23 optional telephone and teleservices in the amount of $435. The
allowance for this expense is $50. Therefore, Line 45 is increased to $1,080.65 and would
require minimum $64,839 to general unsecured creditors

RESOLVED ISSUES:
- A copy of the last filed tax return - 2024 and 2025 returns by 5/31/2025 (LANGUAGE ADDED)

Plan proposes: $530 x 60 beginning 2/1/2025, base
Payments: 1/2, arrears $530
Matter ResolvedRequest
Adjourment
1693/26/2025 10:00 am25-10021 / MEHRichard F. Fried, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

As of 2/27/25 (DS): 1. Trustee obj to the following:
- Must provide 2 months bank statements from Wells Fargo savings acct#2274 prior to filing date and 2024 Tax returns (If not filed can add to confirming order to provide no later than 5/31/25.
- Proof of income for Co-Debtor verifies higher with 2 jobs, St. Peters is not listed on Sched I, but is recent income, as well as Quest. Income verifies $10,735, bringing disposable income to be $4,161. PLAN PAYS 100%, RECOMMEND WAITING PASS BAR DATE 3/13/25.
- There is non-exempt equity in the residence $200,580, 2013 Honda $3,819, 2018 Honda $8,963, Wells Fargo Bank acct $12,914 and Wells Fargo savings acct (Pending bank statements).
- Add to confirming order Trustee standard order of distribution.
- Wells Fargo filed arrears claim $2,555.03. Trustee ok to pay?
- Must file Pre-confirmation certification.

Prop Plan $1,500 x 36 begin 2/1/25; 100%
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10101 / MEHGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $209.00  
As of 3/14/25(mk):


1. Objection by Bank of NY(Padgette law):
-Plan fails to pay full arrears

2. QUANTUM3 GROUP LLC AS AGENT FOR AQUA FINANCE, INC filed a secured claim- NOT IN PLAN TR NEEDS TREAMENT FOR THIS CLAIM


2. Trustee Objection:
-Need proof of income for debtor by 6/30/2025 if employed.
- excess expenses:$485 & $434/month car payments (cannot have three car payments). $550/month for solar panels
Need proof of excessive expenses 10 days prior to confirmation.
-Verified income leaves monthly disposable income of $679.
- Need proof of service on Bank of America.
- Need to file Pre-Confirmation Certification.
- need 2024 tax return by 5/15/25


Plan:$209 X 3; $643 X 57; SALE 6/2025 (24 DREAHOOK RD); BASE
1/2 payments
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10188 / MEHMitchell R. Stein, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 3 of 2 required payments   Arrears: $0  

issues as of 3/13/2025 (JMA)

1) 341 not held, not rescheduled, missing documents
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10189 / MEHJacqueline Rita Rocci Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

issues as of 3/13/2025 (JMA)

1) HSBC Bank (RASC) objection to confirmation - need to resolve
- Estimated pre-petition arrears $95,498.83
2) Trustee objection to confirmation - need to resolve
- Debtor has interest in land in Nigeria, property is in the family. Debtor has an interest in the use and enjoyment of the land. Need value of debtor's interest in this land. CERT from debtor as to what kind of interest debtor has.
- HSBC Bank (RASC) objection to confirmation - creditor secured debt $315,970.14 and pre-petition arrears $62,498.83. Debtor plan proposes to cure claim with sale of property by 6/30/2025. Plan fails to provide for payment while sale is pending. Also has not provided an appraisal to demonstrate that the sale will exceed liens.
- IRS estimated claim for 2024 taxes
- Any non-exempt proceeds from sale of property by 6/30/2025 to Trustee.


proposed plan $200x36 base plan with sale by 6/2025
paid in $400
last claim 11-1
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10190 / MEHChristopher G. Cassie, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 2 required payments   Arrears: $400.00  
issues as of 3/13/2024 (JMA)

1) 341 hearing not held, not rescheduled
2) No Trustee payments, arrears $400
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10318 / MEHThomas G. Egner, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 3/14/2025 (at):

1. Objection filed by JP Morgan Mortgage (Padgett Law Group) - failure to cure arrears of $2,350.44 (Per objection - no POC filed yet) Plan proposes to pay $0. (UNRESOLVED)

2. Trustee's objection:
- Debtor to provide a certification regarding the 2021 inheritance of $18,000. (NOT RECEIVED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2024 by 5/15/2025. (RECEIVED)
- Need proof of insurance for the 2007 Harley. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,808.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $1,014 in non exempt equity in the Harley. (LANGUAGE ADDED)
- There is $222 in non exempt equity in the bank accounts. (LANGUAGE ADDED)
- Need to resolve objection by JP Morgan Mortgage Trust. (LISTED ABOVE)

Plan proposes: $355 x 36 beginning 2/1/2025, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10432 / MEHEric J. Clayman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $3,000.00  
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10474 / MEHScott J. Goldstein, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $1,150.00  
AS OF 3/14/2025 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $1,150
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10486 / MEHJames J. Cerbone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $329.00  
AS OF 3/14/25 (SF)

1. ATTORNEY MUST REQUEST ADJOURNMENT OF CONFIRMATION HEARING
2. 341 NOT HELD - RESCHEDULED TO 4/10/25
3. PAYMENTS: 1.5/2 aRREARS: $329
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10538 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0  

AS of 3/14/25(mk):



1. Trustee objection :
- EXPENSE $4,195/month mortgage payment. Need proof of this expense w/in 10 days.

- Need a statement for the Robinhood account.

- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.

- Need to file Pre-Confirmation Certification.


Plan:$300 X 36; BASE
2/2 payments


----------RESOLVED-----------------------------
Need December and January bank statements for Chase account
7926 REC'D
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10540 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $650.00  
issues as of 3/13/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - for 2024.
- Auto insurance for 2018 Ram, not provided and updated auto insurance for 2024 Kia Forte insurance expired 2/5/25.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): - 22C has disposable income $3,265.05. Plan pays 100%.
- Income also verifies higher, there is disposable income $3,141.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $8,015 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is non-exempt equity in the firearm $400, Jewelry $6,250, Santander acct#7605
(Pending statements), TD Bank accts and Robinhood acct (Pending statements).
- Must provide 401(k) loan balance statement for two loans listed on Co -Debtor pay stubs prior to filing date, 2 months bank statements from Santander accts#7605, TD Bank accts#5204 #1954 #4222 and Robinhood acct#8217, prior to filing date.
- Fee app within 7 days from confirming.
- Must file Pre-confirmation certification. RESOLVED, FILED

proposed plan $870x60 100% plan
paid in $1090
arrears 4650
last claim 7-1
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10551 / MEHSteven J. Abelson, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 3/14/2025 (at):

NEED HOMEOWNER'S INSURANCE.

1. Objection filed by Freedom Mortgage (Brock & Scott) - failure to cure pre-petition arrears of $1,788.09 (Per obj - NO POC yet) Plan proposes to pay $0. (UNRESOLVED)

2. Trustee's objection:
- The debtor has insufficient income.
- A copy of the homeowner's insurance renewal declaration - insurance expired 2/5/25. (NOT RECEIVED)
- Amendments to Schedules A/B and C to add TD Bank acct#7204. (NOT AMENDED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Homeowners insurance $200 (Paid by mortgage and verifies $110), Food $650, Clothing
$200, Personal care $200, Transportation $750, Car payment $798 and Misc. $250. Must
provide proof of expenses paid 10 days prior to confirmation. (PROOF OF EXPENSES NOT RECEIVED)
- Must resolve IRS estimated tax claim. (STILL ESTIMATED)
- Must file Pre-confirmation certification. (NOT FILED)

RESOLVED ISSUES:
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (ABELSON CASE)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $34,734 non-exempt equity in the residence and $3,114 in the TD Bank acct. (LANGUAGE ADDED)
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - for 2024 by 5/15/25. (LANGUAGE ADDED)

Plan proposes: $567 x 60 beginning 2/1/2025, not less than $20,214 to unsecured creditors
Payments: 2/2
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10557 / MEHDarin D. Pinto, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 2 of 2 required payments   Arrears: $0  

Mod plan filed 2/28/25 sched 4/16/25
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10563 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $600.00  
AS OF 3/14/2025 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $600
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10564 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $1,000.00  
AS OF 3/14/25 (SF)


1. 341 NOT HELD - RESCHEDULED TO 4/10/25
2. NO PAYMENTS 0/2 ARREARS: $1000
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10625 / MEHGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $318.00  
AS of 3/14/25(mk):



1. Trustee Objection:
- need Modified Plan that pays student loans outside of the plan. Student loan payment listed on Schedule J. OR AMEND J TO REMOVE IT





Plan: $635 X 60; BASE
2/2 payments

-----------------RESOLVED--------------------------------------------
-Need proof of insurance for the 2003 Nissan(PROVIDED)
- need updated proof of income to include both weekly paystubs.
(PROVIDED)
- pre conf cert is filed
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10640 / MEHJames J. Cerbone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $1,018.00  
issues as of 3/14/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - 2024 by 5/15/2025.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $577 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): - There is $101,056 in non-exempt equity in the residence (100% PLAN.)
- Need to file Pre-Confirmation Certification. NOT FILED TO DATE

proposed plan $1,018x60 begin
paid in $1,018
arrears $1,018
last claim 4-1
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10687 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $500.00  
AS OF 3/14/2025 (at):

1. Objection filed by Wilmington Savings (Pluese Becker) - failure to cure full arrears of $24,844.78 and failure to propose regular monthly mortgage payments pending sale. Creditor wants evidence of efforts to sell the property. (UNRESOLVED)

2. Trustee's objection:
- A Modified Plan that pays 36 months disposable income into the plan. (MOD PLAN NOT FILED)
- Amend Sch I for part-time job at Ross and proof of income. (NOT AMENDED/RECEIVED)

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - need to provide the declaration page showing coverage - binder does not include this information (RECEIVED)
- need to provide statements for Capital One Account from October - December (RECEIVED)
- Need to provide statements for WSFS stock account. (RECEIVED)
- Need to add to confirming order all non-exempt proceeds from the estate of the debtor's
father. (LANGUAGE ADDED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
-There is $36,657 non-exempt equity in house (LANGUAGE ADDED)
-There is $3,579.14 non-exempt equity in Capital One account. (LANGUAGE ADDED)
-There is $4,050 non-exempt equity in 2005 Ford F150. (LANGUAGE ADDED)
-There is $6,625 non-exempt equity in the 2012 GMC Sienna. (LANGUAGE ADDED)
TOTAL NON-EXEMPT EQUITY $66,823.74 (THIS IS A 100% PLAN)

Plan proposes: $500 x 9 beginning 2/1/2025, sale of residence within 9 months of filing, 100% to unsecured creditors
Payments: 1/2, arrears $500
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10690 / MEHDavid A. Semanchik, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

As of 3/14/25 (DS): 341 sched 4/24/25, must submit conf adj request
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10719 / MEHRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $823.00  
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10796 / MEHStacey L. Mullen, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

As of 3/14/25(mk):



1. Objection By Lakeview Loan(Stern & E):
- plan fails to arrears

2. IRS ESTIMATED CLAIM. ( no return for 2024)

3. Trustee Objection:
-There is non-exempt equity in 2007 Honda Accord $550, Household
goods $2,100, Electronics $400, Cash $50, Wells Fargo savings
acct#7258 $601, Andrews FCU acct#0000
$7,006, Andrews FCU acct#0040 $255, Wells Fargo checking acct
(pending statements) and
Spencer K Way2Save acct (pending bank statements

-2 months statements from Spencer K Way2save savings acct#5555 (Listed on Wells Fargo statement acct#7258) and 2 months bank statements from additional Wells Fargo checking acct, prior to filing date.

-Amendments to Schedules A/B and C to add Spencer K Way2Save
savings acct and take proper exemptions for all assets. Sched C fails
to take exemptions on #6, #7, #16 and #17







Plan:$500 x 60 begin 2/1/25; 0%
2/2
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10799 / MEHWarren Brumel, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

issues as of 3/13/2025 (JMA)

1) Provident Funding Associates, LP (Powers Kirn) objection to confirmation - need to resolve
- Approximate arrears in the amount of $1,794
- Plan treats property as unaffected by the plan.
2) Trustee objection to confirmation - need to resolve
- need renewal of auto insurance policy, document provided expires 3/5/2025.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): -Income verified higher $609 monthly disposable net income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): -There is $2,458 non-exempt equity in house.

proposed plan $250x36 base plan
paid in $500
last claim 14-1
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10800 / MEHWarren Brumel, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 3/14/2025 (at):

RECOMMEND: $825 x 48 BEGINNING 2/1/2025, BASE
- Preserve non exempt equity of $23,746 in real estate.

Trustee's objection:
- The debtor has insufficient income. (DEBTORS ARE CURRENT)
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2024 by 5/15/2025. (RECEIVED)
- Need updated car insurance prior to confirmation. Policy provided expires on 3/12/25. (RECEIVED)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $23,746 in non exempt equity in the residence. (LANGUAGE ADDED)

Plan proposes: $825 x 48 beginning 2/1/2025, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10816 / MEHJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10834 / MEHRussell L. Low, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

As of 3/14/25 (DS): 341 sched 4/10/25. Must submit conf adj request
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10898 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,000.00  
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10908 / MEHWarren S. Jones, Jr., Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $500.00  
ISSUES AS OF 3/13/2025 (DM):

1) Trustee OBJ:
- There is $79,650 non-exempt equity in real estate based upon Zillow value attached to Citizens Bank POC (1-1). Comps attached to debtor's CMA are from 2022 - 2023 and over 2 years old (UNRESOLVED.)
- There is $509 non-exempt in Police & Fire FCU savings account, $1,243 in Police & Fire FCU checking account, and $1,387 in the Citizens Bank checking account.
- Need to file Pre-Confirmation Certification (UNRESOLVED.)
- Need 2014 tax return by 5/15/25 (UNRESOLVED.)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need Robinhood balance statement for January (RECEIVED.)
- Need loan balance statements for Lincoln Investments for January. The August statement shows two loans (LOAN BALANCES ARE ON AUG STATEMENT. RECEIVED 403b CUSTODIAL STATEMENT FOR JANUARY.)


Prop. Plan $500 x 60, $24,599 Min Div
PTD 1/2 = $500
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10912 / MEHYakov Rudikh, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $4,000.00  
As of 3/14/25(mk):


> no payments 0/2
CASE IS 100% AND BAR DATE IS 4/10/25


1. TRUSTEE Objection:
- debtor has insufficient income.



Plan: $2000 X 60; 100%
0/2 payments

-------RESOLVED-----
There is enough exemption to cover these
-Bank of America #45665 balance $5,126.73 as of 12/18/204
-Bank of America #4825 balance $6,267.97 as of 12/31/2024
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10928 / MEHJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

issues as of 3/13/2025 (JMA)

1) Santander Consumer USA Inc d/b/a Chrysler Capital (Eisenberg Gold) objection to confirmation - need to resolve
-the plan fails to assume the lease for the 2024 Jeep Grand Cherokee.
2) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income income verifies negative.
- Santander (Eisenberg Gold) objection to confirmation - plan must call for assumption of the lease - NEED TO RESOLVE
- Need to file Pre-Confirmation Certification with Court.
3) The attorney fee is scheduled for $5,508 - need to resolve

proposed plan $186x60 base plan
paid in $372
last claim 7-1
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-10933 / MEHJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 3/13/2025 (at):

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

1. 341 is scheduled for 4/3/2025. (READY)
2. Payments: 2/2
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-11004 / MEHJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 2 of 2 required payments   Arrears: $0  

Mod plan filed 3/12/25, Sched 4/16/25
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-11008 / MEHMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $525.00  
AS OF 3/14/25 (SF)



Trustee objection:

- Need Proof of pension income - for 2025.

- Need Domestic Support Obligation information for LynnAnn Sosnowski

- Need amendments to Schedules D to list mortgage and Schedule I to list pension income.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$1,000/month for tuition
$454.78/month for alimony/support (need copy of order)
Need proof of expenses 10 days prior to confirmation.

- There is $78,594 in non exempt equity in the residence.

- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.

- Need to file Pre-Confirmation Certification

Plan proposes $525 x 12; $800 x 12; $1125 x 12; $1350 x 12; $1750 x 12 Base w/min $57,309 to gucs

Payments: 1/2 Arrears: $525



Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-11035 / MEHMark N. Glyptis, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $1,300.00  
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-11043 / MEHBruce C. Truesdale, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

341 3/20/25
Matter ResolvedRequest
Adjourment
03/26/2025 10:00 am25-11059 / MEHRussell L. Low, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $475.00  
Matter ResolvedRequest
Adjourment
03/26/2025 2:00 pm23-18035 / MEHJustin M. Gillman, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $4,829.00
Matter ResolvedRequest
Adjourment
03/26/2025 2:00 pm24-16062 / MEHCandyce I. Smith-Sklar, Esq.Motion CompensationNo Opposition Filed
Matter ResolvedRequest
Adjourment
683/26/2025 2:00 pm24-16649 / MEHDonald F. Campbell, Jr., Esq.Motion CompelNo Opposition Filed
ADJ by MEH to 3/26 at 2 PM

Need 2-week ADJ with respect to Wells Fargo with consent (dm)

MTN COMPELLING PRODUCTION OF DOCS BY WELLS FARGO BANK (Reed Smith), SPECIALIZED LOAN (no response) AND SELENE FINC (RAS)
Matter ResolvedRequest
Adjourment
693/26/2025 2:00 pm24-16649 / MEHDonald F. Campbell, Jr., Esq.Motion Cross MotionNeeds Resolution of Issues - Objections
ADJ by MEH to 3/26 at 2 PM

SEE # 68
Debtor obj<>Selene/US BANK MTN TO QUASH DEBTOR'S SUBPOENA
Matter ResolvedRequest
Adjourment
03/26/2025 2:00 pm24-19243 / MEHJonathan Goldsmith Cohen, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $3,407.00
Matter ResolvedRequest
Adjourment
03/26/2025 2:00 pm24-19658 / MEHJustin M. Gillman, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $7,800.00
Matter ResolvedRequest
Adjourment
03/26/2025 2:00 pm24-19685 / MEHJonathan Goldsmith Cohen Motion CompensationNo Opposition FiledTotal Paid In: $7,760.00
Matter ResolvedRequest
Adjourment
03/26/2025 2:00 pm24-21149 / MEHDavid A. Kasen, Esq.AP Hearing Rescheduled (Document)Judge to Reserve Decision
AP 24-1652 PC8REO LLC MTN TO DISMISS AP
Matter ResolvedRequest
Adjourment
03/26/2025 2:00 pm24-21149 / MEHDavid A. Kasen, Esq.AP 24-1652 Cross MotionJudge to Reserve Decision
AP 24-1652 DEBTOR CROSS MTN FOR SUMMARY JUDGMENT
Matter ResolvedRequest
Adjourment
813/26/2025 2:00 pm25-11273 / MEHKevin C. Fayette, Esq.Motion Extend TimeNeeds Resolution of Issues - Objections
ADJ by MEH to 3/26/25 to provide further evidence of feasibility with Bridge Order

OBJ by Landlord Avalon Management (Allen Gorski)
MTN CON'T STAY
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes