Judge Michael B. Kaplan
Hearing Date: 3/27/2024
Hearing Count: 0
Last Updated: 04-19-2024 11:22 AM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
03/27/2024 8:30 am23-12595 / SLMJonathan Stone, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 10 of 13 required payments   Arrears: $0  
Total Paid In: $4,342.00
AS OF 3/19/24 (SF) UPDATED


RECOMMEND $3,925 PTD, $417 X 48 (BEGIN 4/1/24) BASE PLAN
- FILE PRE-CONFIRMATION CERT WITHIN 14 DAYS
- DEBTOR TO PROVIDE UPDATED PAY STUBS SHOWING INCREASE IN INCOME AND AMENDED SCHEDULE I WITHIN 30 DAYS


1. Need contribution affidavit from son - Debtor will no longer provide a contribution affidavit. Instead, she will be receiving an increase income and proof to be provided. Debtor's income will increase plus she will receive incentive pay of about $6000

2. Trustee motion to dismiss 3/13/24 at 9 (If confirmed, motion can be withdrawn)

RECOMMEND $3,925 PTD, $417 X 48 (BEGIN 4/1/24) BASE PLAN
- FILE PRE-CONFIRMATION CERT WITHIN 14 DAYS



Plan proposes $325 x 56 Base
Payments: Current Received: $3925



Matter ResolvedRequest
Adjourment
23/27/2024 9:00 am17-20067 / MBKCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/24/2024 9:00 am
Total Paid In: $18,426.00
3/21 AMT: ARREARS CURED/OWES MARCH & WILL COMPLETE TIMELY<<>>

Debtor obj, will pay prior to hearing<>ARREARS
Matter ResolvedRequest
Adjourment
33/27/2024 9:00 am17-26594 / MBKCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $214,063.00
Debtor obj, will pay<>QUAILBROOK HOMEOWNERS (mCgOVERN)
Matter ResolvedRequest
Adjourment
43/27/2024 9:00 am17-34769 / MBKSteven J. Abelson, Esq.Motion Reopen Ch. 13 Case (fee)Order to be Submitted
AR NOTE ATTYS ATTEMPTING TO RESOLVE WILL REPORT BEFORE 2 /
ADJ to 3/27 Peremptory

Laura Egerman representing creditor (dm)

DEBTOR MTN TO REOPEN TO ENFORCE DISCHARGE INJUNCTION ON US BANK AND AWARD DAMAGES
Matter ResolvedRequest
Adjourment
53/27/2024 9:00 am18-19610 / MBKAllen I. Gorski, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $66,317.00
OTBS - debtor is current and next due for March (dm)
AMT; TR LTR REQUESTING CONDUIT<>

Debtor obj, made pymt, will cure in
jan<>WILMINGTON/Ann Marie Drive (RAS)
Matter ResolvedRequest
Adjourment
73/27/2024 9:00 am18-24178 / MBKJohn Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $30,408.00
$27907.95$2500 paid then 4/3/24 then $1692 x 15 beg 5/1/24 - Conduit payments to continue through the plan

atty obj, debtor deceased/mtn for continued admin filed to address plan arrearage<>ARREARS
Matter ResolvedRequest
Adjourment
63/27/2024 9:00 am18-24178 / MBKJohn Zimnis, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $30,408.00
US bank response ( Friedman Vratolo)<>MTN FOR CONTINUED ADMIN
Matter ResolvedRequest
Adjourment
83/27/2024 9:00 am18-32387 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/10/2024 9:00 am
Total Paid In: $72,117.00
3/25 PER DEBTOR, MADE PYMT TODAY (TFS); ADVISED THEM TO CONTACT ATTY TO LET THEM KNOW<<>>
?
agree to be paid in full by 3/27 or d case

Debtor obj, will pay>?FAILED TO PAY PLAN BALANCE/60 MO PLAN EXPIRED
Matter ResolvedRequest
Adjourment
93/27/2024 9:00 am18-33048 / MBKEugene Roth, Esq.Motion Relief from Stay (Fee)Order Previously Submitted
JPMORGAN CHASE/Main St (FEIN SUCH)
Matter ResolvedRequest
Adjourment
103/27/2024 9:00 am18-35241 / MBKTIMOTHY P NEUMANN, ESQCreditor Certification of DefaultContinued
4/24/2024 9:00 am
Total Paid In: $85,807.00

Debtor obj, requests reapayment plan<>PATRICIA SKINNER
Matter ResolvedRequest
Adjourment
113/27/2024 9:00 am19-10729 / MBKJames J. Cerbone, Esq.Motion for Exemption from Financial Management CourseWithdrawn
FINC MTMT COURSE
Matter ResolvedRequest
Adjourment
03/27/2024 9:00 am19-10729 / MBKJames J. Cerbone, Esq.Motion for Exemption from Financial ManagementWithdrawn
Matter ResolvedRequest
Adjourment
133/27/2024 9:00 am19-11304 / MBKKevin C. Fayette, EsqTrustee Certification of DefaultWithdrawn
3/7 amt: PYMT POSTED/ADVISED ATTY $50 BAL DUE TO COMPLETED CONFIRMED BASE<<>>$50 paid 3/19

debtor post 1-3 will submit 385 before 1-10 and submit bal by adj date
Debtor obj, can pay $500 & request s recap<> ARREARS
Matter ResolvedRequest
Adjourment
143/27/2024 9:00 am19-14870 / MBKCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $7,963.00
AMT: ARREARS CURED/84 MO PLAN WILL COMPLETE TIMELY<<>>

AMT: 3/11 tfs PYMT POST?>


Debtor obj, will pay<> ARREARS
Matter ResolvedRequest
Adjourment
153/27/2024 9:00 am19-16645 / MBKMaryBeth Schroeder, Esq.Motion Cross MotionContinued
4/24/2024 9:00 am
Total Paid In: $87,432.00
GREGORY HEIZLER CROSS MTN FOR NUNC PRO TUNC RETENTION (Casello)
Matter ResolvedRequest
Adjourment
163/27/2024 9:00 am19-16645 / MBKMaryBeth Schroeder, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
4/24/2024 9:00 am
Total Paid In: $87,432.00
MTN TO DISGORGE SPECIAL COUNSEL FEES
Matter ResolvedRequest
Adjourment
173/27/2024 9:00 am19-17182 / MBKBruce C. Truesdale, Esq.Motion Relief from Stay (Fee)Consent Order to be SubmittedTotal Paid In: $51,450.00
3/21 AMT: PPSD ORDER RESOLVING W/CONDUIT TO PARTIES,<<>>

AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, making
pymts & requests recap<>NEWREZ/SHELLPOINT/Madigan Ln (McCALLA RAYMER)
Matter ResolvedRequest
Adjourment
183/27/2024 9:00 am19-21112 / MBKRobert Cameron Legg, Esq.Motion to Cancel DischargeGranted
MTN TO CANCEL DISCHARGE/MERS
Matter ResolvedRequest
Adjourment
193/27/2024 9:00 am19-26846 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $33,600.00
Debtor obj, will pay<>PNC BANK/Matey Ave (MARTONE & UHLMANN)
Matter ResolvedRequest
Adjourment
203/27/2024 9:00 am19-27123 / MBKKirsten B. Ennis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $38,231.00
Loan Mod complete and Order entered - PennyMac has new Cert of Default granted - debtor to file another MP before 3/27 to address issue and make a payment (dm)-=NOT DONE AS OF 3/20 EDC

AMT: 3/13 MP **DENIED**<<>>

AR NOTE HELD FOR PROOF OF PYMT --(AMT: $ 6409 ARREARS AS OF 2/21--bigger arrears now than when this was filed EDC


9/5 AMT: ORDER RE NJ SVS SUBMITTED TO CHAMBERS; ATTY DISCUSSING ARREARS W/DEBTOR<<>>

Debtor obj, paying arrears<>ARREARS;NJSVS LATE CLM

(AMT: $ 6409 ARREARS AS OF 2/21--bigger arrears now than when this was filed EDC
Matter ResolvedRequest
Adjourment
213/27/2024 9:00 am19-27411 / MBKAndrew M. Carroll, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
ARREARS
Matter ResolvedRequest
Adjourment
223/27/2024 9:00 am19-28756 / MBKAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/10/2024 9:00 am
Total Paid In: $26,768.00
AMT: OBJ DOES NOT ADDRESS SV<<>>

Debtor obj, will pay<>SV/SANTANDER; ARREARS
Matter ResolvedRequest
Adjourment
243/27/2024 9:00 am19-28977 / MBKMoshe Rothenberg, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $99,268.00
OTBS - debtor is current (dm)
Debtor obj, paid current<>US BANK/ Ponderosa Dr (RAS)
Matter ResolvedRequest
Adjourment
233/27/2024 9:00 am19-28977 / MBKMoshe Rothenberg, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $99,268.00
Current by 5/22 in 2 installments $4154 by 4/30 and 4154 by 5/22 or Dismisss per judge

AR 7X TRUSTEE AND CERITOR DEFAULTS AND CAPITALIZED REC DISMISS W/O PREJUDUCE TO CURE ARREARS /*
AREARS 4154
Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment
253/27/2024 9:00 am19-29605 / MBKJoan Sirkis Warren, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $45,229.00
ALLY BANK/2015 Travers (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
263/27/2024 9:00 am19-29716 / MBKJamal J. Romero, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/8/2024 9:00 am
Total Paid In: $69,788.00
AMT: MP 3/27 ** NEEDS RESOLUTION**<<>

MP filed on 2/14/24 - per atty, the refi has
been done and funds are available - ADJ to 3/27 for the MP Confirmation (dm)

conf rec dismiss
per AR att. to draft order that if info not received by 11/8 the case will be dismissed--MP is marked REC DISMISSAL EDC

ADJ 10/25/23 for Atty to submit documents to Trustee with respect to property that friend will refi to get money for the debtor to fund plan.

Debtor obj<>FAILED TO REFI BY 8/1/21; NEEDS TO ADDRESS NY STATE LATE CLM #24-1 (POC WITHDRAWN)
Matter ResolvedRequest
Adjourment
273/27/2024 9:00 am19-30337 / MBKPeter E. Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/10/2024 9:00 am
Total Paid In: $24,592.00
Debtor obj, will pay<>ARREARS
need ewage
Matter ResolvedRequest
Adjourment
283/27/2024 9:00 am19-30489 / MBKMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/24/2024 9:00 am
Total Paid In: $54,942.00
Debtor obj, filing MP<>SV/ANDREWS FCU; ARREARS
Matter ResolvedRequest
Adjourment
293/27/2024 9:00 am19-31704 / MBKJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Continued
5/8/2024 9:00 am
Total Paid In: $73,750.00
Debtor obj, filing MP to sell<>CARRINGTON MTG /Ravine Dr (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
303/27/2024 9:00 am19-34072 / MBKBruce C. Truesdale, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $15,504.00
Withdrawn per LOGS email (dm)

Debtor obj, will pay arrears in full<>WELLS FARO/Robin Court (LOGS)
Matter ResolvedRequest
Adjourment
313/27/2024 9:00 am20-11644 / MBKRobert Cameron Legg, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $18,627.00
489 x 11 tfs

$441 payment in 7 days and recap with tfs auto

3/21 AMT: per atty, debtor has pending ePay $441. Can w/d when pymt posts<>>

Atty filed obj on behalf of debtor, proof of pymt provided<> ARREARS
Matter ResolvedRequest
Adjourment
323/27/2024 9:00 am20-11841 / MBKNicholas Fitzgerald, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/10/2024 9:00 am

Debtor obj, can pay<>ARREARS
Matter ResolvedRequest
Adjourment
333/27/2024 9:00 am20-14186 / MBKSteven J. Abelson, Esq.Creditor Certification of DefaultContinued
4/24/2024 9:00 am
Total Paid In: $34,184.00
Debtor obj, made pymt<>FREEDOM MTG/3rd Ave (Brock & Scott)
Matter ResolvedRequest
Adjourment
343/27/2024 9:00 am20-14541 / MBKJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/10/2024 9:00 am
Total Paid In: $182,212.00
ADJ to 3/27 - put directly on Hold for Judge per AR (dm)

-Debtor obj<>FAILED TO SELL 2 LOTS LOCATED IN BELIZE BY 12/31/21; FAILED TO PROVIDE TRUSTEE WITH PROOF OF EQUITY ON BELIZE LOTS
(NOTHING STILL REGARDING VALUE--HE ONLY FILED A RESPONSE SAYING THAT DEBTOR MAY HAVE MET BEST INTEREST TEST UNDER CHAPTER 7?? HOW COULD THAT BE IF WE DON'T KNOW THE VALUE OF THE BELIZE PROPERTIES EDC)

--2 PPTIES IN JACKSONVILLE FLA (STIMSON & MANOTAK) BY 12/31/21--PROPERTIES NOT SOLD, T/H DETERMINED AT CONF EDC

Matter ResolvedRequest
Adjourment
353/27/2024 9:00 am20-15587 / MBKStacey L. Mullen, Esq.Motion Regarding request for Exemption from Participation in Financial Management CourseGranted
Fin Mtgmt Course--H DIED
Matter ResolvedRequest
Adjourment
363/27/2024 9:00 am20-18091 / MBKMarc C. Capone, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $11,145.00
AMT:; $ 10,812 PTD (45); $387 X 15 BEG 4/1/24 (atty ok)<<>>

Debtor obj, proposes pymt & recap<> ARREARS
Matter ResolvedRequest
Adjourment
373/27/2024 9:00 am20-18317 / MBKAndrew Thomas Archer, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $29,994.00
AMT: $27,634 PTD (43); $1000 X 1 (MARCH); $1,360 X 16 BEG 4/1/24 atty ok)<<>>

Debtor obj, can pay $1,000 & requests recap<> ARREARS
Matter ResolvedRequest
Adjourment
383/27/2024 9:00 am20-22619 / MBKHoward N. Sobel, Esquire Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $78,607.00
SANTANDER/Court St (GROSS)
Matter ResolvedRequest
Adjourment
393/27/2024 9:00 am20-23862 / MBKKevin C. Fayette, EsqCreditor Certification of DefaultOrder to be SubmittedTotal Paid In: $12,270.00
AMT: TR LTR REQUESTING CONDUIT

Debtor obj, can make pymt & requests recap<> NATIONSTAR/Grassy Lake Rd (RAS
Matter ResolvedRequest
Adjourment
403/27/2024 9:00 am21-10816 / MBKAndre L. Kydala, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Moot - Converted to 7 / 11
ADJ to 3/27 to convert or dismiss (dm)

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
413/27/2024 9:00 am21-11964 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $54,351.00
AMT; MP 3/27<<>>HR

Payment made and disability claim approved (per Atty) - should get current soon - ADJ to 2/28/24 (dm)

Debtor obj, pending temp disability to cure arrears in jan<>ARREARS
Matter ResolvedRequest
Adjourment
423/27/2024 9:00 am21-12175 / MBKJoseph Casello, Esq.Motion Relief from Co-Debtor StayContinued
4/10/2024 9:00 am
Total Paid In: $55,912.00
PHH MTG/mULBERRY LA (McCALLA)
Matter ResolvedRequest
Adjourment
433/27/2024 9:00 am21-12785 / MBKCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $18,719.00
Debtor obj, made pymt to cure arrears<>SN SERVICING /Nicholson Rd (FRIEDMAN)
Matter ResolvedRequest
Adjourment
443/27/2024 9:00 am21-12832 / MBKJohn Michael McDonnell, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToOrder to be Submitted
NJ obj<>MN TO EXPUNGE NJ Div tax #16-1
Matter ResolvedRequest
Adjourment
453/27/2024 9:00 am21-12832 / MBKJohn Michael McDonnell, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
Debtor obj, filing mtn<>FAILED TO ADDRESS NJ DIV TAX LATE FILED CLM #16-1
Matter ResolvedRequest
Adjourment
463/27/2024 9:00 am21-17908 / MBKEugene Roth, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $34,188.00
Debtor obj, made pymts<>NATIONSTAR/ Twilight Ave (McCalla)
Matter ResolvedRequest
Adjourment
473/27/2024 9:00 am21-19475 / MBKRobert Cameron Legg, Esq.Motion Turnover of PropertyGrantedTotal Paid In: $42,625.00
MTN FOR AUTO INSURANCE TO PAY $8,367.57 TO CREDIT ACCEPTANCE, $9,023.95 TO DEBTOR, CLM TO BE ADJUSTED AS PIF

(AMT: SCH C EXEMPTION IS $12,000)
Matter ResolvedRequest
Adjourment
483/27/2024 9:00 am22-10295 / MBKKevin C. Fayette, EsqCreditor Certification of DefaultGrantedTotal Paid In: $44,463.00
Debtor obj, will pay $1200 and request recap for any remaining arrears<>PNC/Tekening Way (KML)
Matter ResolvedRequest
Adjourment
493/27/2024 9:00 am22-10423 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $37,775.00
Debtor obj, will pay; Nationstar response<>NATIONSTAR/LAKEVIEW LOAN /Curtis Ave (GROSS)
Matter ResolvedRequest
Adjourment
503/27/2024 9:00 am22-10434 / MBKKevin C. Fayette, EsqMotion SellGrantedTotal Paid In: $22,084.00
93 TALLWOOD LN
Matter ResolvedRequest
Adjourment
513/27/2024 9:00 am22-10499 / MBKThomas G. Egner, Esq.Motion File Claim After Claims Bar DateWithdrawnTotal Paid In: $5,000.00
LATE POC/Berlin Twp
Matter ResolvedRequest
Adjourment
523/27/2024 9:00 am22-10851 / MBKSTEVEN J. SICOCreditor Certification of DefaultContinued
4/24/2024 9:00 am
Total Paid In: $49,150.00

NOTE SUBMISSION TO CHAMBERS TODAY
Debtor obj, current<>US Bank/Chalet Drive (RAS)

Matter ResolvedRequest
Adjourment
533/27/2024 9:00 am22-12452 / MBKRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $33,169.00
Debtor obj<>MERCEDES BENZ/2017 C300C4 (EISENBERG)
Matter ResolvedRequest
Adjourment
543/27/2024 9:00 am22-12794 / MBKKarina Pia Lucid, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $50,606.00
4/5 AMT: ORDER TO CHAMBERS/7 DAY<<>>

3/26 AMT: DRAFT ORDER TO PARTIES<<>>

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, proposes recap<>JPMORGAN CHASE /King Ave (McCALLA RAYMER)
Matter ResolvedRequest
Adjourment
553/27/2024 9:00 am22-13047 / MBKJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $43,973.00
3/21 AMT: ARREARS CURED/PAID AHEAD - PLAN WILL COMPLETE EARLY<<>>

Peremptory to pay off case
ARREARS
Matter ResolvedRequest
Adjourment
573/27/2024 9:00 am22-13291 / MBKRobert C. Nisenson, Esq.Creditor Certification of DefaultContinued
4/10/2024 9:00 am
Total Paid In: $4,600.00
Debtor obj, will pay<> FIRST ATLANTIC FCU/2019 Equinox (Saldutti)
Matter ResolvedRequest
Adjourment
563/27/2024 9:00 am22-13291 / MBKRobert C. Nisenson, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $4,600.00
AMT: ARREARS CURED/WILL COMPLETE TIMELY<<>>

Debtor obj, will pay<> ARREARS
Matter ResolvedRequest
Adjourment
583/27/2024 9:00 am22-13317 / MBKRobert Cameron Legg, Esq.Motion SellGrantedTotal Paid In: $76,531.00
15 VILLANOVA DR
Matter ResolvedRequest
Adjourment
593/27/2024 9:00 am22-13323 / MBKRobert Cameron Legg, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $31,617.00
ADJ to 3/27 - creditor anticipates the Cert will be Withdrawn (dm)
ADJ by MBK to 2/28 (dm)
AR MORNING NOTES
PER LENDER 6743 DUE
PER DEBTOR AT TIME OF MOTION ONLY ATTYY FEE DUE , AND GOT A STATEMENT OF SMALL AMOUNT DUE 85 DUE AND ASSERTS DEC - FEB MADE

AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, will pay<> FAY SERVICING/Ranch Blvd (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
603/27/2024 9:00 am22-14960 / MBKJoseph Casello, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $10,500.00
***Trustee Order: $9,750 Ptd, then $789 x 39 starting 4/1/24, debtor shall sign up for TFS auto pay and proof of sign-up within 14 days***

Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment
613/27/2024 9:00 am22-15401 / MBKEdward Hanratty, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGrantedTotal Paid In: $10,402.00
LOSS MIT/SPECIALIZED LOAN
Matter ResolvedRequest
Adjourment
623/27/2024 9:00 am22-15424 / MBKMaryBeth Schroeder, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $37,808.00
AMT: $35,685 PTD (20); $ 2,100 X 40 BEG 4/1/24 ( ATTY OK)<<>>

Debtor obj<> ARREARS

Matter ResolvedRequest
Adjourment
633/27/2024 9:00 am22-16104 / MBKGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $4,400.00
AMT: CAN BE W/D IF 3/13 MP IS CONFIRMED<<>>

ARREARS
Matter ResolvedRequest
Adjourment
643/27/2024 9:00 am22-16262 / MBKAndrew Thomas Archer, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $8,044.00
Debtor obj, will make pymt & requests recap<> SANTANDER/2016 GMC ( Eisenberg Gold)
Matter ResolvedRequest
Adjourment
653/27/2024 9:00 am22-16613 / MBKRobert Cameron Legg, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $25,703.00
Debtor is current through the end of March (dm)
3/21 AMT: ARREARS CURED/OWES MARCH & WILL COMPLETE TIMELY<<>>

Debtor can make pytm & cure in 30 days<> ARREARS
Matter ResolvedRequest
Adjourment
663/27/2024 9:00 am22-17261 / MBKGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/24/2024 9:00 am
Total Paid In: $5,616.00
Debtor completed Trial Mod with January payment - ADJ to 2/28 for final Loan Mod (dm)

Debtor obj, approved for trial mod<>FAILED TO LM BY 4/1/23; LOSS MIT EXPIRED 11/1/23
Matter ResolvedRequest
Adjourment
673/27/2024 9:00 am22-17580 / MBKYakov Rudikh, Esq.Motion Relief from Stay (Fee)Continued
4/10/2024 9:00 am
Total Paid In: $17,801.00
Debtor obj, made pymt<>WELLS FARGO BANK /N. Main St (POWERS)
Matter ResolvedRequest
Adjourment
683/27/2024 9:00 am22-18028 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $6,300.00
GLOBAL LENDING (STEWART)
Matter ResolvedRequest
Adjourment
693/27/2024 9:00 am22-18426 / MBKJoseph J. Mania, III, Esq.Motion Dismiss CaseGrantedTotal Paid In: $5,092.00
DEBTOR MTN TO DISMISS
Matter ResolvedRequest
Adjourment
703/27/2024 9:00 am22-18701 / MBKRobert Cameron Legg, Esq.Motion for Relief from StayContinued
4/10/2024 9:00 am
Total Paid In: $27,544.00
2/26 AMT: PRELIM DRAFT TO PARTIES; NEED CREDITOR INFO & OK<<>>


Cameron is okay with conduit - ADJ to MP on for 3/27/24 (dm)
AMT: TR LTR REQUESTING CONDUIT<>

RE-LISTED 3/22/23 WAS OTBS<<>>

Debtor obj, WILMINGTON SVS/Parkertown Rd (RAS)
Matter ResolvedRequest
Adjourment
713/27/2024 9:00 am22-18791 / MBKGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/10/2024 9:00 am
Total Paid In: $2,550.00
Debtor obj, fee app filed<>FAILED TO LM WITHIN 30 DAYS OF 5/10/23 CONF-EXTENDED LOSS MITIGATION EXPIRED 2/1/24; FAILED TO FILE FEE APP FOR AMOUNT RECEIVED OVER $4,750 WIHTIN 14 DAYS OF 5/10/23 CONF
Matter ResolvedRequest
Adjourment
723/27/2024 9:00 am22-18873 / MBKStacey L. Mullen, Esq.Trustee Certification of DefaultContinued
4/24/2024 9:00 am
Total Paid In: $11,400.00
Debtor obj, will cure end of march<> ARREARS
Matter ResolvedRequest
Adjourment
733/27/2024 9:00 am22-19231 / MBKJohn Zimnis, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $12,463.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, will pay<>CENLAR/Ewing St (Stern & L)
Matter ResolvedRequest
Adjourment
743/27/2024 9:00 am22-19677 / MBKKarina Pia Lucid, Esq.Motion Relief from Co-Debtor StayContinued
4/10/2024 9:00 am
Total Paid In: $50,700.00
We had OTBS but late adj filed on 12/26


Debtor obj, sale/closing scheduled oct 023 <>M&T BANK /Beacon Light Rd (McCALLA RAYMER)
Matter ResolvedRequest
Adjourment
753/27/2024 9:00 am23-10027 / MBKDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $3,645.00
AMT: MP 3/27 **NEEDS RESOLUTION**<<>>

ADJ to MP on for 3/27/24 - debtor must file Motion to Retain Realtor by then (dm)

Debtor obj, filing MP<>FAILED TO SELL S. GROVE AVE PPTY BY 12/31/23
Matter ResolvedRequest
Adjourment
03/27/2024 9:00 am23-10146 / ABAKevin C. Fayette, EsqConfirmation Hearing on Modified PlanConfirmedDebtor has made 9 of 15 required payments   Arrears: $729.00  Total Paid In: $11,648.00
ISSUES AS OF 3/20/2024 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $11,024.64 PTD, THEN $1,352 x 28 STARTING 4/1/24, 100% PLAN, BANK OF NY MELLON POC (10-1) SHALL BE TREATED OUTSIDE THE PLAN WITH NO PAYMENT OR RESERVE BY THE TRUSTEE ON SAID CLAIM***


Confirmed Case: $5,365 Ptd, $1,352 x 53, 100% Plan.
Prop. MP: $752 X 13, $1,352 x 29, 100% Plan.
PTD = $11,024.64, Arrears $3,075.44 as MP filed.
Last Claim (19-1) dated 5/2/23.
Matter ResolvedRequest
Adjourment
763/27/2024 9:00 am23-10293 / MBKMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/10/2024 9:00 am
Total Paid In: $4,450.00
AMT: MP 3/27** NEEDS RESOLUTION**<>>

MK:atty email - uploaded adj. on conf and TR motion in 1 form-needs to get realtor appt. and list prop Us Bank agrees. Debtor made payment online today 12/22 and will make the last payment to be current thru Dec on 12/26. I adj to both to 1/24/24 PEREMPTORY

AMT: MP 1/24*NEEDS RESOLUTION**<<>>

Debtor obj, LM was denied; filing MP to sell<>FAILED TO FILE LM BY 8/31/23
Matter ResolvedRequest
Adjourment
773/27/2024 9:00 am23-10361 / MBKYakov Rudikh, Esq.Motion Relief from Stay (Fee)Continued
4/10/2024 9:00 am
Total Paid In: $9,417.00
ALLY CAPITAL/1 (LAVIN, CEDRONE) Ford F-150
Matter ResolvedRequest
Adjourment
783/27/2024 9:00 am23-11013 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/24/2024 9:00 am
Total Paid In: $1,300.00
AMT: MP 3/27 **NEEDS RESOLUTION** <>>

ADJ to 2/28 for MP & Retention motion - equity in the property (dm)
File MP and get current by 2/14 listed by 3/1 with retention by 3/1 also

Debtor obj, needs to extend sale to July, 2024<>FAILED TO SELL MICHIGAN AVE PPTY BY 12/1/23
Matter ResolvedRequest
Adjourment
793/27/2024 9:00 am23-11659 / MBKLaurence R. Sheller, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $20,388.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, proposes repayment plan<> CARRINGTON/Bell Lane (Hill WallacK)
Matter ResolvedRequest
Adjourment
803/27/2024 9:00 am23-11872 / MBKRussell L. Low, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $6,178.00


AMT; TR LTR REQUESTING CONDUIT<>

Debtor obj, June pymt not applied, will bring current end of Jan
Matter ResolvedRequest
Adjourment
813/27/2024 9:00 am23-12240 / MBKJustin M. Gillman, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $5,090.00
Debtor obj, can pay<>FREEDOM MTG/Brookside Dr (Brock & Scott)
Matter ResolvedRequest
Adjourment
823/27/2024 9:00 am23-12338 / MBKRobert Cameron Legg, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToOrder to be SubmittedTotal Paid In: $10,488.00
**AMT: ORDER DOES NOT SPECIFY CLASSIFICATION**

MTN TO MODIFY IRS #6 FOR PAYMENT OF $18,476.97.
Matter ResolvedRequest
Adjourment
833/27/2024 9:00 am23-12565 / MBKPeter E. Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/10/2024 9:00 am
Total Paid In: $4,800.00
Debtor obj, portal issues, preparing application<>FAILED TO LM BY 12/31/23
Matter ResolvedRequest
Adjourment
843/27/2024 9:00 am23-12579 / MBKJonathan Goldsmith-Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/24/2024 9:00 am
Total Paid In: $9,789.00
AMT: MP 2/24 **SUBMIT ADJ REQUEST FOR TR MTN BY 3/22 OR APPEAR AT HEARING<>>

MP by 2/23/24 - ADJ to 3/27/24 (dm)
AMT: OBJ DOES NOT ADDRESS SV<<>>

Debtor obj, will pay<>SV/CAPITAL ONE AUTO; ARREARS
Matter ResolvedRequest
Adjourment
853/27/2024 9:00 am23-13045 / MBKCamille J. Kassar, Esq.Creditor Certification of DefaultGrantedTotal Paid In: $27,688.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, reviewing payment records<> US BANK/Cedarbrook Ave (RAS)
Matter ResolvedRequest
Adjourment
863/27/2024 9:00 am23-13141 / MBKGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)Continued
4/10/2024 9:00 am
Total Paid In: $4,250.00
Debtor obj, made pymt, will be current<>CARRINGTON MTG/Harrier Court (HILL WALLACK)
Matter ResolvedRequest
Adjourment
873/27/2024 9:00 am23-13213 / MBKLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/24/2024 9:00 am
Total Paid In: $12,350.00
AMT: MP 3/27 ** NEEDS RESOLUTION**<<>

MP by 2/23 - ADJ to 3/27/24 (dm)

Debtor obj, filing MP<>FAILED TO LM WITH TRUMAN 2021 SC9 TITLE TRUST BY 12/28/23
Matter ResolvedRequest
Adjourment
883/27/2024 9:00 am23-13215 / MBKBarbara J. Snavely, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $14,577.00
Debtor obj, making pymts<>FULTON BANK/2018 Murano(EISENBERG GOLD)
Matter ResolvedRequest
Adjourment
893/27/2024 9:00 am23-13754 / MBKAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/24/2024 9:00 am
Total Paid In: $1,500.00
MP on 4/24/24

AMT: MP 3/27 **Plan Denied**<<>>

ADJ to 3/27 for feasibility - short sale will NOT be sufficient to establish feasibility (dm)

AMT: MP 3/13 **NEEDS RESOLUTION**<<>>

Debtor obj, listing ppty for sale<>FAILED TO LM WITH HSBC BY 11/15/23; FAILED TO LM WITH STATEBRIDGE BY 12/32/23
Matter ResolvedRequest
Adjourment
903/27/2024 9:00 am23-14007 / MBKRobert H. Johnson, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramWithdrawnTotal Paid In: $8,300.00
US Bank obj (Wohlarb)<>LOSS MIT
Matter ResolvedRequest
Adjourment
913/27/2024 9:00 am23-14046 / MBKPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
ARREARS; FAILED TO FILE PLAN; SV/NEWREZ
Matter ResolvedRequest
Adjourment
923/27/2024 9:00 am23-14205 / MBKMark Kriegel Trustee Certification of DefaultDismissed
Debtor obj, proposing recap<> ARREARS
Matter ResolvedRequest
Adjourment
933/27/2024 9:00 am23-14221 / MBKJoseph Casello, Esq.Motion to SeverGrantedTotal Paid In: $16,000.00
(3/6 AMT: Pre-Conf Cert has not been filed per conf terms)<<>>

MTN TO SEVER CASES-SUSAN TO PROCEED UNDER 23-14221; FRANK TO BE ASSIGNED NEW CH 13 CASE #
Matter ResolvedRequest
Adjourment
943/27/2024 9:00 am23-14256 / MBKJohn Zimnis, Esq.Motion Requesting RedactionJudge to Reserve DecisionTotal Paid In: $2,266.00
Matter ResolvedRequest
Adjourment
953/27/2024 9:00 am23-14598 / MBKDaniel E. Straffi, Esq.Motion SellContinued
4/10/2024 9:00 am

Per AR, okay to ADJ to 2/28 (dm)
NewRez obj ( Hill Wallack)<>169 S. HOPE CHAPEL RD
Matter ResolvedRequest
Adjourment
963/27/2024 9:00 am23-14838 / MBKJeffrey E. Jenkins, Esq.Motion Reinstate StayWithdrawnTotal Paid In: $3,393.00
MTN REIMPOSE STAY AS TO LANDLORD - cross motion filed.
Matter ResolvedRequest
Adjourment
973/27/2024 9:00 am23-14838 / MBKJeffrey E. Jenkins, Esq.Motion Cross MotionGrantedTotal Paid In: $3,393.00
121 FRONT ST LLC CROSS MTN FOR STAY RELIEF ( Sitar)
Matter ResolvedRequest
Adjourment
983/27/2024 9:00 am23-15103 / MBKJoseph J. Mania, III, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $14,368.00
current (dm)
Debtor obj, curing arrears<> ARREARS
Matter ResolvedRequest
Adjourment
993/27/2024 9:00 am23-15786 / MBKRussell L. Low, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $6,772.00
Debtor obj, can make pymt & requests recap<>ALLY CAPITAL8/2016 Honda Civic (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
1003/27/2024 9:00 am23-15864 / MBKMichelle Lee, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Order to be SubmittedTotal Paid In: $4,454.00
4/16 AMT: ORDER TO CHAMBERS/7 DAY<<>>

conduit
3/21 AMT: DRAFT ORDER TO PARTIES TO RECAP AND AMEND CONDUIT ORDER FOR 2 MTG PYMTS MADE DIRECT TO LENDER<<>>

ADJ to 3/27 for Anita to revise the conduit order after conferring with creditor regarding direct payments made by the debtor (dm)

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
1013/27/2024 9:00 am23-15892 / MBKDaniel E. Straffi, Esq.Motion Dismiss CaseGranted
PRO SE CREDITOR, WAYNE MASON, MTN TO DISMISS -NOT MAKING DSO PAYMENTS
Matter ResolvedRequest
Adjourment
1023/27/2024 9:00 am23-16472 / MBKJohn Michael McDonnell, Esq.Motion Reinstate StayOrder to be Submitted
NewRez obj (Hill Wallack)<>MTN TO REINSTATE STAY
Matter ResolvedRequest
Adjourment
1033/27/2024 9:00 am23-16695 / MBKMaryBeth Schroeder, Esq.Motion Relief from Stay (Fee)Order to be Submitted
4/5 amt: PPSD ORDER RESENT TO PARTIES FOR REVIEW/NEED CRED ATTY FEES<>

Debtor & Creditor accept Conduit (dm)

Debtor obj, made mtg pymt to trustee<>SPECIALIZED LOAN /Hollywood Dr (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
1043/27/2024 9:00 am23-16998 / MBKKevin C. Fayette, EsqTrustee Certification of DefaultTrustee OrderTotal Paid In: $6,576.00
AMT: $6,576 PTD (7); $ 1,575 X 29 BEG 4/1/24 (EMAIL TO ATTY)<<>>

(amt: needs to address per plan claim if resolving)
- Consent Order allowing payment of Actlien submitted 3/19/24 (dm)

Debtor obj, can pay $3,000 & requests recap<> ARREARS
Matter ResolvedRequest
Adjourment
1053/27/2024 9:00 am23-17367 / MBKJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Granted
PHH MTG (ROBETSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
1063/27/2024 9:00 am23-17828 / MBKWarren Brumel, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $3,125.00
Debtor obj, made pymt<>TOYOTA MOTOR/2020 Corolla (STEWART)
Matter ResolvedRequest
Adjourment
1073/27/2024 9:00 am23-18072 / MBKPatrick James Best, Esq.Motion Relief from Co-Debtor StayOrder to be Submitted
Debtor obj, made pymts<>DEUTSCHE BANK /First Ave (McCALLA RAYMER)
Matter ResolvedRequest
Adjourment
1083/27/2024 9:00 am23-18113 / MBKGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)Order to be Submitted
Debtor obj, paid arrears<>TRUMAN 2021 SC9 TITLE TRUST (ROMANO GARUBO)
Matter ResolvedRequest
Adjourment
1093/27/2024 9:00 am23-18117 / MBKJohn Zimnis, Esq.Creditor Certification of DefaultContinued
4/24/2024 9:00 am

ADJ to 3/27 - Hold for Judge
AMT: TR LTR REQUESTING CONDUIT<>
MULTIPLE PRIOR FILINGS WITH CREDITOR DEFAULTS
3X CERTY ON STILL NOT CURRENT
Debtor obj<> US BANK/Carrie Drive (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
1103/27/2024 9:00 am23-18132 / MBKCandyce I. Smith-Sklar, Esq.Motion Cross MotionOrder to be SubmittedTotal Paid In: $5,722.00
AMT: INTERIM ORDER CONTINUING STAY AND ADJ MTN<>

AMT; TR LTR REQUESTING CONDUIT<>

Debtor obj<>WELLS FARGO BANK CROSS MTN FOR PROSPECTIVE RELIEF (POWERS KIRN)
Matter ResolvedRequest
Adjourment
1113/27/2024 9:00 am23-18279 / MBKRobert Cameron Legg, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $1,750.00
MTN TO EXPUNGE ASHLEY FUNDING POC #5
Matter ResolvedRequest
Adjourment
1123/27/2024 9:00 am23-18323 / MBKGeorge E. Veitengruber, III, Esq.Motion Relief from Co-Debtor StayContinued
4/24/2024 9:00 am
Total Paid In: $8,706.00
Debtor obj, made pymt<>PNC BANK / W. Bangs Ave (FEIN SUCH)
Matter ResolvedRequest
Adjourment
1133/27/2024 9:00 am23-19626 / MBKJustin M. Gillman, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $4,800.00
MTN TO ENTER NJ ERMA LOAN
Matter ResolvedRequest
Adjourment
1143/27/2024 9:00 am23-19824 / MBKYakov Rudikh, Esq.Motion Relief from Co-Debtor StayMoot - Dismissed
Debtor obj, listing house for sale<>US BANK /Edward St (ROBERTSON)
Matter ResolvedRequest
Adjourment
1153/27/2024 9:00 am23-20451 / MBKBrad J. Sadek, Esq.Motion Relief from Stay (Fee)Continued
4/24/2024 9:00 am

AMT; TTR LTR REQUESTING CONDUJIT<>

Debtor obj, proposes pymt & recap in plan<>NATIONSTAR MTG/Saddler Dr (McCALLA)
Matter ResolvedRequest
Adjourment
1163/27/2024 9:00 am23-20923 / MBKMichael P. Otto, Esq.Motion Relief from Stay (Fee)Continued
4/24/2024 9:00 am
Total Paid In: $13,375.00
Debtor obj, made pymt<>CROSSCOUNTRY MTG /Chelsea Rd (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
1173/27/2024 9:00 am24-10138 / MBKJames J. Romero, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGranted
LOSS MIT
Matter ResolvedRequest
Adjourment
1183/27/2024 9:00 am24-10196 / MBKEric J. Clayman, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order to be Submitted
341 Docs are in (dm)
ADJ to 3/27 - Atty to email DM directly.

Trustee obj<>
Matter ResolvedRequest
Adjourment
1193/27/2024 9:00 am24-10726 / MBKMark S Cherry Motion Motion (Generic) - Only use if no other event is applicableContinued
4/10/2024 9:00 am

Trustee limited obj<>ALLOW POA TO APPEAR FOR DEBTOR/NANCY TESALONA
Matter ResolvedRequest
Adjourment
1203/27/2024 9:00 am24-11021 / MBKJohn Zimnis, Esq.Motion Extend TimeDenied
ILI Management, landlord obj (Gorski)<>MTN EXTEND STAY
Matter ResolvedRequest
Adjourment
1213/27/2024 9:00 am24-11216 / MBKYakov Rudikh, Esq.Motion Reinstate StayGranted
OST - REINSTATE STAY
Matter ResolvedRequest
Adjourment
1223/27/2024 9:00 am24-11307 / MBKDaniel E. Straffi, Esq.Motion Dismiss CaseGranted
11 Ryans Way, LLC MTN TO VACATE STAY/DISMISS ( Neumann)
Matter ResolvedRequest
Adjourment
1233/27/2024 9:00 am24-11480 / MBKJeffrey E. Jenkins, Esq.Order Shorten TimeWithdrawn
motion withdrawn
Carlton Club Apt obj (Giordano)<>MTN TO IMPOSE STAY
Matter ResolvedRequest
Adjourment
1243/27/2024 9:00 am24-12156 / MBKDarin D. Pinto, Esq.Motion Reinstate StayGranted
MTN TO REINSTATE STAY ALL CREDS
Matter ResolvedRequest
Adjourment
1253/27/2024 9:00 am24-12322 / MBKDavid A. Semanchik, Esq.Order Shorten TimeGranted
MTN TO IMPOSE STAY
Matter ResolvedRequest
Adjourment
1263/27/2024 9:00 am24-12338 / MBKJoseph I. Windman, Esq.Motion Extend TimeGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
1273/27/2024 9:00 am24-12426 / MBKPeter E. Zimnis, Esq.Motion Extend TimeGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
1283/27/2024 9:00 am24-12862 / MBKDaniel L Reinganum Order Shorten TimeGranted
CREDITOR MOTION TO DISMISS
Debtor atty response<>TRYSTONE CAPITAL ASSETS LLC MFR (Velasquez)
Matter ResolvedRequest
Adjourment
1293/27/2024 10:00 am19-29716 / MBKJamal J. Romero, Esq.Confirmation Hearing on Modified PlanDeniedDebtor has made 54 of 54 required payments   Arrears: $1,300.00  Total Paid In: $69,788.00
mp in 14 days

3/20 workup for the 3/27 calendar EDC

EDC SENT EMAIL TO ATT ON 3/25, NEEDS MP BECAUSE PORTFOLIO NOT INCLUDED, ALSO WHY PAYING THE JUDGEMENTS THAT FILED AS GUCS?

--Original plan included payment of Discover and Portfolio judgements (filed guc claims) from refinance so they did not receive any payment with other gucs. MP includes payment to Discover but this plan does not include Portfolio's DJ. What are we doing with this? Also, both filed unsecured claims so is it preferential to pay them in full but not the other claims? Other gucs received approx. 40%. Should these receive the same?

--The minimum to gucs has already been paid

--Plan removes refinance but payment is the same

$1611 X 8; $500 X 5; $1300 X 47; MIN $42,090.83
Matter ResolvedRequest
Adjourment
1303/27/2024 10:00 am21-11964 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 21 of 37 required payments   Arrears: $2,544.00  Total Paid In: $54,351.00
ISSUES AS OF 3/19/2024 (DM): updated to HR 3/25/24 (dm)

***If attorney verifies information below, TRUSTEE CAN RECOMMEND CONFIRMATION, INCLUDING CONDUIT PAYMENT, AT $51,807 PTD, THEN $2,544 x 6 STARTING 3/1/24, 0% PLAN, BERKELEY TWP SEWER PRIORITY POC (16-1) SHALL BE TREATED AS FILED, SUPPLEMENTAL FEE APP SHALL BE FILED WITHIN 7 DAYS***

1) MP provides for $5,492.12 in post-petition arrears to Cenlar/NJHMFA. Need to verify with attorney that post-petition arrears per 12/30/22 Order were actually $6,843.67.

2) MP provides for $544.59 secured treatment to Berkeley Twp Sewer. Need to verify with attorney to treat priority claim as filed.


Confirmed Case: $16,619 Ptd, $2,500 x 39, 0% Plan.
Prop. MP: 46,719 Ptd, $2,544 x 6, 0% Plan.
PTD = $51,807, Arrears $0 as MP filed.
Last Claim (1-3) dated 4/27/22.
Matter ResolvedRequest
Adjourment
1313/27/2024 10:00 am21-19174 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 17 of 29 required payments   Arrears: $270.00  Total Paid In: $9,960.00
3/19 workup for the 3/27 calendar EDC

-Per Cameron executed mortgage and note sent to Nicole Malc re Erma

-FILED AMENDED I & J TO LOWER PAYMENT NOW THAT RECEIVED ERMA FUNDS.

$2750 in arrears needs to be paid back into the plan. Will add to the $493

**RECOMMEND CONF AT:
$9660 PAID THEN $570 X 32 BEG 4/1/24 PRO RATA----ATTORNEY FEE APPLICATION WITHIN 7 DAYS

* received ERMA funds--need closing statement
MP $493 x 34 pro rata
payment was $818
Matter ResolvedRequest
Adjourment
1323/27/2024 10:00 am22-18701 / MBKRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanContinued
4/10/2024 10:00 am
Debtor has made 14 of 17 required payments   Arrears: $684.00  Total Paid In: $27,544.00
As of 3/25/24(mk): Updated

>>MFR NEW REZ/SHELL PONIT ( RAS) ON 3/27- LOOKS LIKE IT WILL BE CONDUIT SO WILL NEED NUMBERS SO ORDER AND PLAN ARE CONSISITENT.

Tr needs an order to pay the post petition in plan so only question is if it will be conduit or not?

MP proposes $2,519 X 45; BASE
ADDING POST-PET MTG ARR 19,440.72

plan has run 16 mos and 44 remain
PLAN ARREARS AS OF FEB WHEN MP WAS FILED $1,783 NOW IN MARCH ARREARS ARE 1233.76

PRIOR PLAN CONF AT $4,756.05 PTD (5 MOS) $1,956 X 55 BEG 5/1/23 ; BASE $112,336.05
-------------

1.Trustee Objection: UPDATED POI PROVIDED - DISPOS INCOME still
a bit higher but w/o OT willbe less going forward
THE POI IS ALL FROM 2023- NEED 2024 JAN- PRESENT- AMENDED i SAYS CO DEBTOR DOES NOT GET OT ANYMORE SO NEED THE 2024 STUBS AND PROOF OF VA INCOME
Matter ResolvedRequest
Adjourment
1393/27/2024 10:00 am23-10027 / MBKDonald C. Goins, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 15 of 15 required payments   Arrears: $0  
Total Paid In: $3,645.00
4/1/24 - amended typo in terms below from West Land Rd property to Grove Ave property (dm)

Listing Agreement uploaded (dm)
ISSUES AS OF 3/19/2024 (DM): Updated 3/27/24.

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $3,402 PTD, THEN $240 x 46 STARTING 4/1/24, BASE PLAN, SALE OF GROVE AVE PROPERTY BY 8/30/24, TRUSTEE SHALL MAKE PAYMENT ON US BANK POC (5-1) AND PROVIDENT BANK POC (4-1) PENDING THE SALE, AND NON-EXEMPT PROCEEDS FROM THE SALE SHALL BE TURNED OVER TO THE TRUSTEE; OTBS ON US BANK/FAY SERVICING OBJ WITHIN 15 DAYS TO PROVIDE STAY RELIEF ON GROVE AVE PROPERTY***


1) IRS filed $99.52 amended priority claim not treated in the MP (OKAY TO PAY?? - Yes)

2) US Bank/Fay Servicing (FRIEDMAN VARTOLO) OBJs - creditor wants consent order with stay relief if property not sold within appropriate time frame (UNRESOLVED.)(consent order within 15 days)

3) Trustee OBJ:
- If debtor intends to reduce the confirmed plan payment of $240, then Trustee needs amended Schedule I&J, updated proof of income and 2023 tax returns (KEEP PAYMENT AT $240.)


Confirmed Case: $2,187 Ptd, $240 x 51, Base Plan.
- Sale/Refi of South Grove Ave by 12/31/23.
Prop. MP: Ptd, $174 x 49, Base Plan.
- Sale of South Grove Ave by 8/30/24.
PTD = $3,402, Arrears $0 as MP filed.
Last Claim (3-8) dated 9/19/23.
Matter ResolvedRequest
Adjourment
1403/27/2024 10:00 am23-10293 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
4/10/2024 10:00 am
Debtor has made 13 of 15 required payments   Arrears: $0  
Total Paid In: $4,450.00
3/27: atty says amended I & J filed- need updated pay stubs- adj. to next date

MK: adj request 30 days for updated budget - DENIED been adj 3x

mk: ISSUE is we are show way more dispos income - atty says not accurate.. NEED UPDATE ON SALE OF PROP> INTERNET SHOWS PROP> IS OFF MARKET

Note: this MP was filed in Nov 2023-no amended I & J or updated pay
listing agmt uploaded 1/24/24 for 500,000- realtor retained 2/5/24 no proceeds




AR RESOLVE OR HOLD
3/13/24(mk): NO AMENDED I & J FILED YET and NO current POI

2/26(Mk; ATTY EMAIL :have asked the Debtors for updated paystubs, but they are now separated so it is doubtful there is much disposable income as I know they are barely making their ongoing payments now.

Plan objection by lender US Bank filed by RAS- is that resolved?- The cert of default filed by LOGS was resolved- 2 different firms rep US Bank.
-------------------------------

2/29/24: Order resolving creditor cert of default( US Bank - LOGS Legal).Rolls arrears into plan


AS Of 2/22/24(mk):
-realtor retained.
-Need to know if Objection to MP filed by US Bank (RAS) has been resolved and terms
- STILL HAVE EXCESS DISPO INCOME SO THAT PAYMENT HAS TO GO UP.

1. Objection by US BANK(RAS);
-sale speculative. no efforts to sell
-fail to provide appraisal to show any sale will be sufficient to pay off liens.
- not a reasonable time to cure arrears.

2.TRUSTEE OBJECTION:
- NO amended I & J (NOT DONE AS OF 2/22/24) and PROVIDED THE UPDATED POI- STILL SHOWING DISPO INCOME P/M AT 1,966
-Plan was originally confirmed at a base with a Loan Modification. Now the plan is to sell the real property and Trustee requests any non exempt proceeds be turned over to the Trustee from the sale.

Plan provides regular payments outside- so TR NOT to pay pending sale- CORRECT? yes correct

MP Proposes:$2320 PTD; $355 X 26 BEG 12/2023; BASE
SALE OF MIDLAND ROAD BY 5/15/24
Plan has run 13 mos and 23 remain

---------Resolved---------------

- need 2022 tax retrun.(Provid
Matter ResolvedRequest
Adjourment
1413/27/2024 10:00 am23-10629 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 14 of 15 required payments   Arrears: $0  
Total Paid In: $10,869.00
3/19 workup for the 3/27 calendar EDC



MP$10,106 paid then $763 X 46; pro rata MIN $15000 to gucs
--trustee to preserve equity $10,093
Matter ResolvedRequest
Adjourment
1423/27/2024 10:00 am23-11013 / MBKRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanContinued
4/24/2024 10:00 am
Debtor has made 13 of 14 required payments   Arrears: $100.00  Total Paid In: $1,300.00
issues as of 3/14/2024 (JMA)

1) Has the property been listed for sale? Pursuant to the Marital Settlement Agreement, the property was to be listed by 3/1/2024
2) Trustee motion to dismiss scheduled for 3/27/2024

proposed plan $100x25 100% plan with property listed for sale by 3/1/2024 and sale by 7/31/2024
paid in $1,300
23 months to go
Matter ResolvedRequest
Adjourment
1433/27/2024 10:00 am23-11998 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
4/24/2024 10:00 am
Debtor has made 5 of 13 required payments   Arrears: $489.00  Total Paid In: $4,079.00
ISSUES AS OF 3/19/2024 (DM):

***Mortgage company obtained stay relief after MP filed - RECOMMEND DENIAL OF MP***

 3/14/24 - Lakeview Loan (KML) obtained stay relief.

1) MP provides $7,715.30 priority treatment to the IRS - creditor filed $12,345.42 amended priority claim (OKAY TO PAY HIGHER CLAIM??)

2) MP provides $534 priority treatment to Trenton Water Works - creditor filed claim as secured (OKAY TO PAY PER POC??)

3) MP provides for $19,220 post-petition arrears to Lakeview Loan - need a consent order to pay this claim (UNRESOLVED.)


Confirmed Case: $1,923.48 Ptd, $380 x 5, $745 x 48, Base Plan.
- debtor to sign-up for TFS within 14 days.
Prop. MP: $268 x 11, $380 x 5, $1,116.12 x 43, Base Plan.
- Sale of Cornwall Ave by 7/2024.
PTD = $2,947.48, Arrears $496 as MP filed.
Last Claim (7-20 dated 6/20/23.
Matter ResolvedRequest
Adjourment
03/27/2024 10:00 am23-12595 / SLMJonathan Stone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $4,342.00
AMT: MP 3/27<<>>

3/6/24 (sf) Per Atty, house was lost at Sheriff sale

(ALSO NEED HUD/Cedar Ln sale)


PLAN WAS WITHDRAWN ON 11/8/23 AND FAILED TO FILE A MP
Matter ResolvedRequest
Adjourment
1443/27/2024 10:00 am23-12982 / MBKRegina L. Gelzer, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 8 of 12 required payments   Arrears: $0  
Total Paid In: $11,955.00
Atty accepted terms by email dated 3/18/24 (dm)
ADJ to 3/27 - there was NA on 3/13 to accept Subject to Terms (dm)
3/5 Workup for the 3/13 calendar EDC

**RECOMMEND CONF AT:
$10,460 PAID THEN $1495 X 34 BEG 4/1/24 PRO RATA---TRUSTEE WILL NOT PAY IRS UNLESS A VALID CLAIM FILED----TRUSTEE WILL PAY SPECIALIZED SERVICING POST PETITION AMOUNT PER ORDER


*MP wants to pay IRS but no claim filed-TRUSTEE WILL NOT PAY IRS UNLESS A VALID CLAIM FILED

new plan #33 filed calls for the repayment of mortgage arrears but stay relief granted on 12/15-plan is not feasible--MOTION TO REINSTATE STAY IS ON FOR 2/21 BUT OPPOSED-NEEDS RESOLUTION--ORDER SUBMITTED


** Trustee obj to the following:
- Need amended Schedule I to properly list all employments for Debtors. At 341 Trustee was informed co-debtor no longer employed at ESS Northeast and that one of the Debtors began new employment. Also will need 2 months proof of income from new job. DONE-AMENDED SCHEDULES AND INCOME SHOW $9005 TAKE HOME AND $6455 EXPENSES = $2550 DISPOSABLE INCOME--NEEDS 100% CASE

3. Specialized Loan (PHILLIP RAYMOND) obj that plan is silent to treatment of mortgage on real property and arrears owed, POC filed $43,460.25.(STAY LIFTED)

Prop Plan $925 x 60 begin 5/1/23; Base
Note: Bank statements provided.
-------------------
resolved
- Plan does not specify treatment of Specialized Loan mortgage arrears $43,460.25.(DONE)
- Must file Pre-confirmation certificate.
- Must resolve creditor obj.
Matter ResolvedRequest
Adjourment
1453/27/2024 10:00 am23-13213 / MBKLee M. Perlman, Esq.Confirmation Hearing on Modified PlanContinued
4/24/2024 10:00 am
Debtor has made 25 of 12 required payments   Arrears: $0  
Total Paid In: $12,350.00
3/19 workup for 3/27 calendar EDC

Trustee objection:
--need amended I & J
--need updated POI & 2023 tax returns
--The debtor needs to prove that the plan payment increase from $500 to $3675 is feasible

MP paid to date then $3675 x 50 beg 3/1/24

Matter ResolvedRequest
Adjourment
1463/27/2024 10:00 am23-13754 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 10 of 11 required payments   Arrears: $150.00  Total Paid In: $1,500.00
3/25/24(mk) atty uploads listing agmt- listed for sale at 1,300,000
>>MP on 4/24<<



AR RESOLVE OR HOLD
3/20/24(mk): waiting for proof of feasibllity

mp has a hearing date 4/24 but we may not get there


3/13/24:ADJ to 3/27 for feasibility - short sale will NOT be sufficient to establish feasibility (dm)

3/12/24(MK) ADJ REQUEST DENIED- LATE & ATTY HAS TO APPEAR AND EXPLAIN - Case is now 10 mos old .See notes below- THE NEW MP FILED#48 3/11/24 IS FOR a SALE JUST LIKE THIS MP. NEW MP PROPOSES THE SAME AND JUST ADDS WILMINGTON which could have been resolved w/ an order and Tr adding language to terms

NO LISTING AGMT HAS BEEN PROVIDED AND NO REALTOR APPOINTED

AS of 3/4/24(mk)


1. Objection By Wilmington( McCalla- L. Egerman):
- plan dependent on sale of Prop by8/1/24


2. Plan does not treat 2nd Mtg- add lang to be paid at sale

MP Proposes: 150 x 27 Sale of Matthews Lane by 8/1/2024 Base
plan was a LM - now a sale
Matter ResolvedRequest
Adjourment
1473/27/2024 10:00 am23-14598 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
4/10/2024 10:00 am
Debtor has made 9 of 11 required payments   Arrears: $1,000.00  
AR RESOLVE OR HOLD
ISSUES AS OF 3/20/2024 (DM):

***Debtor is now 3 Trustee payments behind and has not provided evidence of plan feasibility - RECOMMEND DISMISSAL***

 NewRez/US Bank (HILL WALLACK) Cert of Default scheduled for 4/10/24.
 Pending Motion to Sell. Per AR, okay to ADJ to 2/28 (dm)

1) IRS filed a higher amended priority claim at $123,261.38 than scheduled to be paid in the plan (OKAY TO PAY HIGHER CLAIM??)

2) IRS filed $13,211.77 secured claim not treated in the plan (OKAY TO ADD??)

3) NJ Dept of Labor (Heather Anderson) OBJs - filed $3,003.33 secured judgment not treated in the plan (OKAY TO ADD??)

4) NewRez/US Bank (HILL WALLACK) OBJs - $575,799.40 arrears on S. Hope Chapel Rd. property - plan is not feasible to pay arrears owed (UNRESOLVED).

5) Trustee OBJ:
- Need Certification regarding debtor giving funds to sister to purchase the mobile home at Osprey Ct and attached supporting documents as to how much the mobile home cost and repairs made to it and the transfer of funds etc. Also, why does he pay rent to his sister when he gave her the cash for the mobile home? (UNRESOLVED)

***RESOLVED ISSUES***

A) State of NJ filed $2,318.52 priority claim that includes estimated taxes for 2019 and 2022 (AMENDED TO $272.11.)

B) Trustee OBJ:
- Need docs from mother's estate and copy of the accounting (WILL PROVIDES DEBTOR GETS 1/3 OF THE ESTATE).
- Need 2022 tax returns (RECEIVED).
- Will Mr. Albanese be retained by debtor? (FILED.)
- Need summary from Atty (Joseph Albanese) handling litigation of debtor's real property (SEE APPLICATION.)
- There is $10,400 non-exempt equity in 1968 Chevy Chevelle (IRS $123k PRIORITY CLAIM OFFSETS WHAT GUCs WOULD GET.)
- Must add to confirming order non-exempt proceeds from sale to Trustee (PROPOSED ORDER IN PENDING MOTION IS OKAY - ALSO, IT'S A SHORT SALE.)


Prop. Plan $500 x 60, Base Plan
- sale of South Hope Chapel Rd by 12/1/23
PTD 7/10 = $3,500
Last Claim (2-2)
Matter ResolvedRequest
Adjourment
1483/27/2024 10:00 am23-15702 / MBKCamille J. Kassar, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 7 of 9 required payments   Arrears: $250.00  Total Paid In: $6,750.00
Atty ok to terms(mk)

3/20 workup for the 3/27 calendar EDC

PLAN NEEDS TO BE SHORTENED DUE TO LARGE AMOUNT OF DISPOSABLE INCOME
CAN CONFIRM AT:
***$6000 PAID THEN $1000 X 38 BEG 4/1/24- 100% DUE TO EQUITY OF $290,000 IN REAL ESTATE AND PERSONALTY--LOAN MOD BY 5/31/24--TRUSTEE WILL NOT PAY SELENE ARREARAGE CLAIM PENDING LOAN MOD

1. Trustee obj to the following:
- Must provide current market analysis with recent comps (comps used are dated Oct. and Nov. 2022, need comps from January through June 2023 - Zillow shows value at $1,109,200)-MP IS 100% AND NO UPDATES SO WE WILL USE ZILLOW AS THE COMP

-- Wells Fargo acct #3135 statements for May and June 2023, Mary Farr bank acct #7493 and #5256 (as listed on paystub) statements for May and June 2023.
- Amend Sched B and C to add 1995 Ford (on auto insurance) and Matthew Farr bank accts.
- Amend Statement of Financial Affairs to add that Debtor is married.
- 22C has disposable income $3,693.67 and disposible income verifies $4,758. Plan pays 100%.
- Excessive expenses on Sched J: $650 Electric/heat, $675 tele/cell and $800 City commute for debtor.
- There is non-exempt equity in real property $172,636 (per Zillow), $5,575 cash; $6,320 2009 Audi $5,230; 2008 LandRover $5,575 total non-exempt equity $195,336. Bar date 9/11/23 has passed, total unsecured claims file $35,572.74.
- Must resolve creditor objection.
- Must file Pre-confirmaton cert.
- Plan fails to provide for a prompt loan mod completion date.
- Need mod plan to mark off Part 8 of Plan which has vesting of property upon discharge, must be upon confirmation and propose loan mod to be done within 6 months.

2. US Bank (ALEISHA JENNINGS) obj to loan mod and arrears $201,882.35, POC filed arrears $196,115.40.

MP filed 2/26 $750 x 60 begin 8/1/23; 100% and Loan mod on Bruce Pl by 5/30/2024
Matter ResolvedRequest
Adjourment
1493/27/2024 10:00 am23-15892 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledMoot - DismissedDebtor has made 8 of 9 required payments   Arrears: $0  

ISSUES AS OF 3/19/2024 (DM):

***Need result of Motion to Dismiss by DSO Recipient***

 DSO Recipient, Wayne Mason, has a pending Motion to Dismiss.

 We have PP DSO arrears that have to be addressed - ADJ to 3/27.

 MFR filed by TD Bank (Duane Morris) - debtor has not made any post-petition payments since 8/9/23 - owes total of $14,839.69 as of 10/10/23 (CONSENT ORDER PROVIDES FOR SALE BY 5/8/24.)

1) Are we paying DSO before mortgage arrears pending sale (yes.) Need to add Wayne Mason POC (2-1) as okay to pay with Admin Claims.

2) Trustee OBJ:
- Late claim filed by Wayne Mason for $10,498.59 not treated in the plan but is on Sch E as child support $4,500 owed and DSO Form also states $4,500 owed (OKAY TO ADD??)
- Disposable income verifies at $1,476 per month. No GUCs filed.
- Add to confirming order non-exempt proceeds from sale of real property.

Note: savings acct#6952 statement provided 10/17/23. DSO Form provided 10/23/23.


Prop. Plan $400 x 36, Base Plan
- sale of Princeton Rd by 8/1/24
PTD 8/8 = $3,200
Last Claim (2-1)
Matter ResolvedRequest
Adjourment
1503/27/2024 10:00 am23-16291 / MBKAndre L. Kydala, Esq.Confirmation Hearing ScheduledContinued
5/8/2024 10:00 am
Debtor has made 9 of 9 required payments   Arrears: $0  

AS OF 3/15/24 (SF) BELOW ISSUES STILL APPLY, ADJ 4 TIMES

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

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


3. Trustee objection:

- Need Proof of the value of the debtor's 1% interest in his brothers LLC (STILL NEED)(will be 100%)

-Excessive expenses on Schedule J: $400/home maintenance; $750/food for 1 person

-There is $67,695 non-exempt equity in house (PLAN WILL REQUIRE 100%)


Plan proposes $480 x 60 Base
Payments: 6/6

Matter ResolvedRequest
Adjourment
1513/27/2024 10:00 am23-16695 / MBKMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledContinued
4/24/2024 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $0  

NFA
ADJ to 4/24/24 to work out issue on 2nd mtg - Atty asserts that case is about to become Conduit (dm)

ISSUES AS OF 3/20/2024 (DM): Note - debtor made $5,143 total payment in February and $2,841 thus far in March by mail.

 MFR by Specialized Loan Servicing 1st Mtg (STEWART LEGAL) scheduled for 3/27/24.

***Amount needed to fund the plan going forward is $4,098 per month. If debtor was able to address 2nd mortgage outside the plan, the debtor would still need $3,015 per month. This plan is still not feasible***

 ADJ to 2/14/24 for income Affidavits (RECEIVED - DISPOSABLE INCOME HAS BEEN RAISED TO $1,989 PER MONTH.)

1) Deutsche Bank/Shellpoint filed a secured 2nd lien with $53,590.47 arrears not treated in the plan (UNRESOLVED.)

2) Trustee OBJ:
- The debtor has insufficient income to fund the plan.
- The debtor has failed to file a feasible plan - mortgage arrears are over 148,000. Income and any grant money is insufficient to cure arrears.
- Debtor has a Workers Comp suit pending in NY. Is there a 3rd party claim? Plan proposes to use these funds to help fund plan.
- No car, how does debtor get around?

***RESOLVED ISSUES***

A) Specialized Loan Servicing (Stewart Legal) OBJs - $148,482.66 arrears on 1st mortgage (CONSENT ORDER ENTERED - PAY ARREARS CLAIM.)

B) Trustee OBJ:
- Needs Form for Administration of Oath by attorney that she verified ID and social security number since 341 was done by interrogatories (RECEIVED.)
- Need a copy of homeowner's insurance renewal - policy provided has expired (RECEIVED.)
- There is $56,764 non-exempt equity in real property (ADJUSTED TO $3,174 AFTER DEDUCTING 2nd LIEN IN LIQUIDATION ANALYSIS.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $539 x 60, Base Plan
PTD 7/7 = $10,679
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
1523/27/2024 10:00 am23-16744 / MBKDemetrius J. Parrish Jr.Confirmation Hearing on Modified PlanDeniedDebtor has made 3 of 8 required payments   Arrears: $1,740.00  
new plan filed 3/26

AR RESOLVE OR HOLD
AS OF 3/21/24 (SF) UPDATED

1. Objection just filed by South Fork at Ewing (Gorski) - objects to lien avoidance or reclassification of claim in modified plan.

2. Motion for Relief filed by Lakeview Loan 2/28/24 at 9 (OTBS - NEED ORDER)

3. Motion for Relief filed by South Fork At Ewing 2/28/23 at 9 (OTBS - NEED ORDER)

4. Modified plan proposes to cram South Fork at Ewing claim 8-1 (NEED ORDER RESOLVING)

5. Trustee objection:

- Need 2 months (June & July) bank statements from PNC Bank acct. (STILL NEED JULY)

- 22c has disposable income $821.50, which requires minimum dividend $49,290 to gucs. (22 AMENDED BUT LINE 41 DEDUCTION OF $1422 IS INCORRECT. RETIREMENT DEDUCTIONS DO NOT TOTAL $1422. THE BALANCE OF THE PENSION LOAN MUST BE DIVIDED BY 60 MONTHS)

- Need pension loan balance statement prior to filing date. (STILL NEED STATEMENT FOR PENSION LOAN) DOCUMENT PROVIDED IS NOT A PENSION STATEMENT



Plan proposes $398.17 x 6; $574.72 x 54 Base Plan
Payments: 6/7 Arrears: $574.72


RESOLVED ISSUES:
- There is estimated non-exempt equity in real property pending all secured claims against
property. (There is no equity)

- Must file Pre-confirmation certificate. (FILED)

- Objection filed by South Fork at Ewing HOA (Knowlton) - failure to provide for secured amount of $8589.14 and failure to pay all disposable income into the plan. (MP FILED)

- South Fork at Ewing HOA filed secured claim for $8589.14 with amount necessary to cure default in the amount of $25,685.68. (MUST RESOLVE) MP FILED

- Need Modified Plan and amended Attorney Disclosure Statement to correct the fees.
Claims are higher:

- Lakeview Loan filed arrears claim 7-1- for $19,384.33

- The current Plan does not specify treatment of US Dept of HUD under the Plan.
Matter ResolvedRequest
Adjourment
1533/27/2024 10:00 am23-16878 / MBKStacey L. Mullen, Esq.Confirmation Hearing on Modified PlanContinued
4/24/2024 10:00 am
Debtor has made 3 of 8 required payments   Arrears: $8,355.00  Total Paid In: $8,040.00
issues as of 3/14/2024 (JMA)

1) Loan modification approved per 2/27/2024 Order, proof of claim #6 needs to be amended
2) ok to pay Medford claim, amended 3/5/2024


proposed plan $1,300x54 minimum $37,834.01 dividend to gucs
paid in $8,040
arrears $5,247
53 months to go
Matter ResolvedRequest
Adjourment
1543/27/2024 10:00 am23-16995 / MBKBrad J. Sadek, Esq.Confirmation Hearing ScheduledContinued
5/22/2024 10:00 am
Debtor has made 8 of 8 required payments   Arrears: $0  

NFA
3/21/24 - received 1 full pay stub from new job. Debtor is about to have a medical procedure. Need to ADJ to 5/22 for debtor to clear medical procedure and provide additional full pay stubs and updated information on the spouse's expenses (dm)

ISSUES AS OF 2/21/2024 (DM):

1) Trustee OBJ:
- Excessive Expenses: Tele/internet/cable $300 (BILL FOR $147), cell phone $419 (BILL FOR $184), auto insurance $308 (WHY GEICO QUOTE UPLOADED - WE HAVE A STATE FARM POLICY FOR THE CARS), car lease for spouse $740 (NO PROOF) and additional spouse car payment $500 (NO PROOF & WHY AN EXTRA CAR?), non-filing spouse unsecured personal loans $1,000 (2 LOAN STATEMENTS UPLOADED WITH NO IDENTIFYING INFORMATION) and credit card payments $1,550 (APPLE STATEMENT CONFUSING. MINIMUM PAYMENTS TOTAL ABOUT $600) Must provide proof of all expenses 10 days prior to confirmation (UNRESOLVED.)

- Pending proof of income from Debtor and proof of excessive expenses, there may be disposable income. With the debtors return to work, income verified higher than amount on Sch I. There is now $680 monthly disposable income. (RECEIVED CERT FROM DEBTOR EXPLAINING MEDICAL CONDITION.)

- The $2,703 tax refund was not prorated and included in the disposable income calculation.


***RESOLVED ISSUES***

A) Lakeview Loan Servicing (McCabe Weisberg) OBJs - $2,305.22 arrears on Jamestown Rd property not treated in the plan (CO ENTERED TO PAY.)

B) Trustee OBJ:
- Need CMA with comparatives used to determine value (PROVIDED UPDATED CMA, UPDATED PROPERTY ANALYSIS.)
- There may be non-exempt equity in real property pending updated CMA with comps (MOOT.)
- Need proof of income or certification regarding the debtor's new job (RECEIVED.)
- Need statements for two 401(k) loans on non-filing spouse pay stubs (RECEIVED.)
- Need amended Sch B/C to add correct amounts in bank accts and take proper exemptions (AMENDED 2/26/24.)
- There may be non-exempt equity in bank accts pending amended Sch B/C filed to take proper exempti
Matter ResolvedRequest
Adjourment
1553/27/2024 10:00 am23-17191 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanContinued
4/24/2024 10:00 am
Debtor has made 9 of 8 required payments   Arrears: $0  

ISSUES AS OF 3/20/2024 (DM):

***Debtor needs $2,271 going forward to fund the plan with $70k threshold in real estate. Need to address feasibility unless creditor agrees to extend the sale date, and this becomes a low base plan pending sale***

1) Per plan, Digital FCU POC (19-1) is being treated as secured unaffected for Solor Panels (MP TREATS AS A SURRENDER - CREDITOR SHOULD RECEIVE NOTICE OF THIS CHANGE).

2) Trustee OBJ:
- There is $70,000 non-exempt equity in real property using $313,000 value from Schedule A and amended Schedule A.

***RESOLVES ISSUES***

A) Lakeview Loan (BROCK & SCOTT) OBJs - sale is speculative and does not pay arrears, also plan has Digital FCU as creditor, but creditor is Lakeview Loan Servicing (CO ENTERED TO PAY CLAIM THRU SALE BY 3/1/24 - MP PAYS ARREARS PENDING SALE).

B) Medallion Bank (STEWART LEGAL GROUP) OBJs - secured claim not treated in the plan - $166.16 pre-petition arrears (MP PAYS).

C) Nissan Motor (STEWART LEGAL GROUP) OBJs - plan fails to treat 2018 Nissan Sentra (MP CORRECTS).

D) U.S. Dept of HUD filed a secured claim not treated in the plan (MP CORRECTS).

E) Ford Motor Credit (LAVIN, CEDRONE, GRAVER) OBJs to cram of 2020 Ford F-150 in the original Plan - MP was not properly served at least to the address provided in the POC (MP WAS SERVED ON THE ADDRESS PROVIDED FOR IN THE FILED POC).

F) Trustee OBJ:
- Need July and Aug bank statements for Bank of America checking and savings accts, prior to filing date (RECEIVED).
- THERE IS $121.26 NON-EXEMPT EQUITY IN PNC BANK ACCT#8756 (1/2 INTEREST), ALSO POSSIBLY IN BANK OF AMERICA PENDING BANK STATEMENTS. EMAILED ATTY TO INFORM 11/16/23.

Note: PNC Bank statements provided 10/23/23 for July and August.
Amended Sched B/C filed to add workers comp claim.


Prop Plan $950 x 36, $2,345.04 Min Div
- sale of First Ave by 8/1/24
PTD 7/7 = $7,484.60
Last Claim (21-1)
Matter ResolvedRequest
Adjourment
1563/27/2024 10:00 am23-17250 / MBKJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 8 of 8 required payments   Arrears: $0  
Total Paid In: $15,480.00
ISSUES AS OF 3/19/2024 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $13,545 PTD, THEN $1,935 x 53 STARTING 4/1/24, 100% PLAN WITH $333,000 THRESHOLD PRESERVED, OTBS OR WITHDRAWAL OF OBJECTION BY NEWREZ WITHIN 30 DAYS, STUDENT LOAN POC (12-1) SHALL BE TREATED OUTSIDE THE PLAN, DEBTOR ASSUMES LEASE WITH FORD MOTOR CREDIT AND POC (6-1) SHALL BE TREATED OUTSIDE THE PLAN, PRE-CONFIRMATION CERTIFICATION SHALL BE FILED WITHIN 14 DAYS, ATTORNEY FEE APPLICATION SHALL BE FILED WITHIN 7 DAYS***

1) New Rez/Shellpoint (Pincus Law Group) OBJs - $3,293.96 arrears (PER DEBTOR'S ATTY, OKAY TO PAY ARREARS THRU PLAN - FOLLOWING UP WITH CREDITOR TO DETERMINE IF COTBS.)

2) Plan provides secured unaffected treatment to Lincoln Automotive on 2022 Ford Explorer - Ford Motor Credit filed unsecured POC (6-1) in the amount of $16,776 for a 2022 Ford Explorer lease. Is this the same vehicle? (YES, KEEPING LEASED VEHICLE.)

3) Are we treating student loan POC (12-1) outside the plan? (YES, SEE PART 1e.)

4) Trustee OBJ:
- Debtor has insufficient income.
- There is $333,021.37 non-exempt equity in the residence (100% PLAN.)
- Need to file Pre-Confirmation Certification (UNRESOLVED.)
- Attorney must file a fee application within 7 days of confirmation.


Prop. Plan $1,935 x 60, 100% Plan.
PTD 7/7 = $13,545
Last Claim (12-1)
Matter ResolvedRequest
Adjourment
1573/27/2024 10:00 am23-17275 / MBKJeffrey S. WaltersConfirmation Hearing ScheduledDismissedDebtor has made 0 of 8 required payments   Arrears: $0  

nS
AS OF 3/18/24 (SF)

341 not held - Missing documents. Not rescheduled
Payments: 0/7 Arrears: $385

Motion to vacate conversion to Ch 7 - order entered 1/16/24


Matter ResolvedRequest
Adjourment
1583/27/2024 10:00 am23-17572 / MBKHerbert B. Raymond Confirmation Hearing ScheduledDeniedDebtor has made 4 of 8 required payments   Arrears: $840.00  
MP and schedules in 14 days
ISSUES AS OF 3/20/2024 (DM):

***Debtor has not made the higher estimated payment needed to fund the plan for February or March. This case is not feasible - RECOMMEND DISMISSAL***

 ADJ to 3/27 to see if debtor can pay Feb & March - otherwise case should be dismissed.

 Debtor needs $2,320 x 55 starting February to fund the plan. Attorney needs to address feasibility.

1) Carrington Mortgage (HILL WALLACK) OBJs - property was sold at Sheriff Sale 8/22/23, Bk Petition filed 8/30/23, mortgage arrears $111,370.95 and redemption was extended to 10/29/23. OBJ also to Loan Mod. MOTION TO SET ASIDE SHERIFF SALE WAS GRANTED BY STATE COURT. Still need to treat the claim (CONSENT ORDER ENTERED - $111,370.95 ARREARS SHALL BE PAID THROUGH THE PLAN.)

2) If paying $4,750 fee balance to Franklin Montero, need estimated fee for Herb Raymond.

3) Trustee OBJ:
- Debtor has insufficient income. After deducting car payment and auto insurance, which verified lower, disposable income verifies at $216 per month.
- Need to amend Sch J to remove car payment $400 - loan completed (NO AMENDED SCH J FILED. TRUSTEE DEDUCTED EXP - STILL HAS INSUFFICIENT DISP INCOME OF $216.)
- Need to file Pre-Confirmation Certificate (UNRESOLVED.)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need updated CMA - CMA is dated 2/28/22 and attaches old comps from 2020-2022 (PLAN NEEDS TO BE 100% BASED UPON $319 FILED CLAIMS. TRUSTEE WILL USE $385,500 ZILLOW VALUE FOR ANY THRESHOLD.)
- There is $5,454 non-exempt equity in Bank of America acct (TOTAL GUCS FILED IS $319, PLAN WILL BE 100%.)
- Need auto insurance for car that is listed as car payment on Sch J (AUTO INSURANCE PROVIDED HAS 2005 HONDA, NO NEWER CAR LISTED.)


Prop. Plan $509.56 x 60, Base Plan.
- Loan Mod 6 months after Conf
PTD 7/7 = $3,577
Last Claim (2-1)
Matter ResolvedRequest
Adjourment
1593/27/2024 10:00 am23-17713 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $0  
Total Paid In: $2,400.00
ISSUES AS OF 3/20/2024 (DM): Updated 3/27/24.

***State of NJ POC 6-2 filed 3/27/24. TRUSTEE CAN RECOMMEND CONFIRMATION AT $2,000 PTD, THEN $400 x 30 STARTING 4/1/24, BASE PLAN, SALE OF HERBERT RD PROPERTY BY 8/1/24, TRUSTEE SHALL MAKE PAYMENT ON DEUTSCHE BANK POC (4-1) PENDING THE SALE***

 ADJ to 3/27 - if no amended POC from NJ by 3/1, motion should be filed (dm)

1) State of NJ filed $50,255.75 priority claim that includes estimated taxes for 2020 & 2021 not treated in the plan (AMENDED.)

2) Trustee OBJ:
- Disposable net income verifies at $1,441 per month (NOTE - SCH. J EXPENSES ARE VERY LEAN AND NO HOUSING EXPENSE WAS TAKEN.)

***RESOLVED ISSUES***

A) Deutsche Bank (RASC) OBJs - plan fails to list prepetition arrears of approximately $162,031.30 - POC filed for $121,298.24. Sale in speculative. Plan does not provide for ongoing monthly payments pending sale. (CONSENT ORDER ENTERED - SALE BY 8/1/24 AND PAY PENDING SALE.)

B) Trustee OBJ:
- Need homeowner's insurance renewal declaration (RECEIVED.)


Prop. Plan $400 x 36, Base Plan.
- sale of Herbert Rd within 6 months.
PTD 5/6 = $2,000
Last Claim (6-2)
Matter ResolvedRequest
Adjourment
1603/27/2024 10:00 am23-17763 / MBKScott J. Goldstein, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 7 of 7 required payments   Arrears: $0  

MP in 14 days

AS OF 3/18/24 (SF) - BELOW ISSUES STILL APPLY

ATT. TO SUBMIT LOSS MIT PACKAGE PER AR (NEED STATUS)


1. Objection filed by Shellpoint Mortgage (Egerman) - failure to pay arrears of $121,098.19; speculative loan mod and feasibility.

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

3. PA Dept of Revenue did not file a claim. Gov bar expired on 3/4/24. Should this claim be stricken from plan?

4. Trustee objection:

-Need to provide August 2023 statement for WSFS Acct #2102

-Debtor lists on Schedule A/B equitable distribution from spouse in the amount of $370,927.504


Plan proposes $500 x 60 100% Plan; Loan Mod by 2/29/24
Payments: 6/6



Matter ResolvedRequest
Adjourment
1613/27/2024 10:00 am23-17810 / MBKBrad J. Sadek, Esq.Confirmation Hearing ScheduledContinued
4/24/2024 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0  

3/22 workup edc

**Just looking at regular income we are getting over $2,000 disposable. EDC sent email to attorney to review to figure out trustee payment going forward.

As of 1/23/24 (DS): FYI BANK STATEMENTS PROVIDED 1/22/24, NO TIME TO REVIEW. STILL MISSING DOCS. ATTY ASKED TO GIVE SECOND CALL ON CASE AS HE WILL BE AT IN PERSON APPEARANCE AT 9AM.---OK EDC

1. BELOW ISSUES REMAIN UNRESOLVED, NO DOCS PROVIDED.



12/13/23 (DS): 1. Trustee obj to the following:

- Excess expenses on Schedule J: $717.23 car payment; $591 title loan payment; $1,000 month for spouse credit cards and personal loans - need supporting documentation. STILL MISSING TITLE LOAN PAYMENT AND SPOUSE CREDIT CARD INFO

- Confirming order shall provide for any non-exempt proceeds from the estate of the debtor's father to Trustee.

2. Santander (MORTON) obj to pre-petition arrears owed, POC filed $696.69. Must resolve obj. OTBS PAY ARREARS $696.69

3. Westlake filed arrears claim $20. Trustee ok to pay? OK TO PAY

4. Debtor appear to be paying for daughters car insurance. Should unsecured creditors be footing the bill since they are not being paid?

Prop Plan $155 x 36 begin 10/1/23; Base

--------------
RESOLVED
- Need to provide 7/2023 statement for Chase #9727; 8/2023 statement for Chase #6083; 8/2023 statement for Chase #8633 and 8/2023 statement for Capital One accts #2190 and #3356. OK EDC
Matter ResolvedRequest
Adjourment
1623/27/2024 10:00 am23-18058 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
5/8/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 3/21/2024 (at):

1. Objection filed by Wells Fargo (LOGS) - plan fails to list for maintaining post petition payments. Arrears per proof of claim are $3,321.03. (RESOLVED - PAY PER POC)

2. The IRS filed a priority claim #3 in the amount of $2,706.67 which is not in the plan.

3. NJ Division of Taxation filed a priority claim #4 in the amount of $1,208.88 which is not in the plan.

4. NJ Division of Taxation filed an estimated claim #4 for 2018 which needs to be amended. (STILL ESTIMATED)

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

RESOLVE ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- Need a statement for the debtor's 401k loan. (RECEIVED - ADDITIONAL $107/MONTH BEGINNING 10/1/2024)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $210 when determining disposable income. (AVERAGED/ADDED TO INCOME)

Plan proposes: $150 x 60 beginning 1/1/2024, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1633/27/2024 10:00 am23-18072 / MBKPatrick James Best, Esq.Confirmation Hearing on Modified PlanDeniedDebtor has made 4 of 7 required payments   Arrears: $1,480.00  
MP filed

AS OF 3/18/24 (SF)


1. Motion for Relief by Deutsche Bank scheduled for 3/27/24 at 9 (MUST RESOLVE)

2. Trustee objection:

- Need 2 months bank statements from Wells Fargo accts not #2106 and #8907, prior to filing date. Schedule B has 4 accts listed, only provided 2 accts (PLAN WILL BE 100%)

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Car
payment $611 on scheduled J (this should be removed since the car is being paid through the bankruptcy plan).

- Due to car payment there would be disposable income $2,919. The plan length should be
shortened to 48 months.

- There is non-exempt equity in real property $266,969.39 and 2013 Infiniti $2,848.72, cash
$100 and in bank accts pending bank acct statements.

- Need 2nd mortgage balance statement. Schedule J list another mortgage payment $600.



Plan proposes $4400 PTD; $1265 X 55 100%
Payments: 5/6 Arrears: $1265


RESOLVED ISSUES:
- Need a Modified Plan that removes Capital One on Section 4c and propose to pay claim in full on Section 4g, since the amount is what is on POC and marks off Section 8 Upon confirmation. (DONE)

- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution.

- Must file Pre-confirmation certificate. (FILED)

- Objection filed by Deutsche Bank (Egerman) - failure to pay arrears of $51,628.48 (MP PAYS ARREARS)
Matter ResolvedRequest
Adjourment
1643/27/2024 10:00 am23-18113 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
4/24/2024 10:00 am
Debtor has made 4 of 7 required payments   Arrears: $8,001.00  
trustee will agree to pay all creditors concurrently to resolve --need mortgage to agree EDC

3/20 workup for the 3/27 calendar edc

*If paying gucs 1st and 100% could conf
at:

11200 paid then $2921 x 54 remaining 100%-pay gucs 1st
2 payments in arrears still

--IS DEBTOR ON THE MORTGAGE I DON'T SEE HER NAME ANYWHERE AND SHE IS NOT ON THE DEED. IF NOT WHERE IS THIS CASE GOING SINCE IT'S MOSTLY MORTGAGE ARREARS? IF SHE IS AN OWNER THERE IS EQUITY TO PAY 100% AND PER ATT THEY WILL PAY 100%

1. Trustee obj to the folowing:
- Amendments to Schedules B/C to add PNC Bank acct#9676.
- Debtor is not on the Deed, so no 522(d)(1) exemption is allowed.
- Excessive expenses on Sched J: Home maintenance $250, plus lawn maintenance $225, Medical/dental $325, plus after school activity with therapy $350 and childcare $100 and transportation for both total $750.
- 22c has disposable income $2,679.68, which would require min. div. $160,780 or 100% plan. Also takes excessive expenses on Line #43 for car payment, which should be on Line #13b and divide the balance owed, after school activities/therapy $350 and lawn maint. $225.
- Schedules fail to account for tax refund $2,940 when determining disposable income.
- Plan does not propose non-exempt equity in personal assets. PNC Bank acct#9676 $46.80 (1/2 int), PNC Bank acct#9668 $145.79 (1/2 int), Capital One Bank acct#2649 $500.01, Capital One Bank acct#8361 $201.23, Capital One Bank acct#2453 $25.06 and Capital One Bank acct#2239 $25.06 total $943.95.

2. Rushmore/Trumann (ROMANO GARUBO) obj must be resolved.


Prop Plan $2,743 x 60 begin 10/1/23; Base
-------------------------
resolved:
Debtor attorney requested adjournment to resolve State of NJ estimated tax claim. DONE
Matter ResolvedRequest
Adjourment
1653/27/2024 10:00 am23-18117 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
4/24/2024 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $975.00  
**JUDGE ORDERED CONDUIT --NEED TO CIRCULATER ORDER

SEE NOTES IN CERDITOR CERT OF D
ADJ to 3/27 - Hold for Judge

AS OF 03/18/24 (SF) BELOW ISSUES STILL APPLY

1. Cert of Default by SN Servicing/US Bank just filed scheduled for 3/27/24 at 9

2. Per AR this should be a conduit case. (MUST RESOLVE)
Case was adj to 1/24 to give attorney time to discuss with client (NEED STATUS)

3. Trustee objection:

- Disposable income verifies $2,554.59. (RECOMMEND 48 MONTH PLAN)

- 2014 Mazda has non-exempt equity $127 and bank accts, but d(5) not used, only d(1) on real property. Also pending bank acct statements requested.


Plan proposes $975 x 60 100%
Payments: 5/6 Arrears: $975



RESOLVED ISSUES:
- Amendments to Schedules B and C to add Bank of America checking accts #6189 and
#1933. (Accounts belong to Debtor's children)

- Need 2 months bank statements from Bank of America checking accts #6189 and #1933 prior to filing date.
- Must file Pre-confirmation certificate. (FILED)


Matter ResolvedRequest
Adjourment
1663/27/2024 10:00 am23-18321 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 7 required payments   Arrears: $0  
Total Paid In: $2,483.00
AS 3/27/24 (SF) UPDATED

RECOMMEND $1,650 PTD, $683 X 54 (BEGIN 4/1/24) BASE PLAN W/MIN $30,000 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE

-CERT FILED THAT SHE ONLY HELPED SECURE MORTGAGE BECAUSE BROTHER WAS ON SS. NOT SURE IF THIS HELPS.-PER AR PAY $30,000 TO GUCS TO RESOLVE---OK to pay EDC

Trustee objection: (MUST RESOLVE)

-due to the fact that the property 9B Betsy Ross Lane is stated to have been purchased for the brother, the ownership certification and homeowners insurance are both in the debtors name. Without information supporting otherwise, it appears that the debtor has 100% ownership of property. There is $61,770 non-exempt equity in this property. (CERT PROVIDED. NEEDS ATTY REVIEW to EDC for review.)



Plan proposes $300 x 60 Base
Payments: 5.5/6 Arrears: $150

Matter ResolvedRequest
Adjourment
1673/27/2024 10:00 am23-18506 / MBKMarcia Y. Phillips, Esq.Confirmation Hearing on Modified PlanContinued
5/8/2024 10:00 am
Debtor has made 0 of 7 required payments   Arrears: $74,345.00  
As of 3/17/24(mk):

Work up on MP before conf #22 says LM by 8/1/24 and No pay pending LM- ONLY 1,802.01 IN GUC CLAIMS- NEEDS TO PAY ARREARS PENDING LM


1.Objection by US BANK/Shellpoint( Freidman V):
plan fails to cure arrears LM speculative.

2. Trustee Objection:
Plan now for LM- and plan lists unaffected- Accord to plan is TR NOT paying arrears pending the LM but there will be no onec to tpay as guc debt is minima and already paid w/ FOH
- NO APPLICATION FOR LOSS MIT WAS FILED IN THIS CASE- IS THE LM BEING DONE OUTSIDE THE PLAN? Yes


Plan:$1000 X 36; LM 8/1/2024; 100%
6/6 payments
Matter ResolvedRequest
Adjourment
1683/27/2024 10:00 am23-18620 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 6 required payments   Arrears: $184.00  Total Paid In: $3,600.00
UPDATED 3/20/2024 (JMA)

OK TO CONFIRM AT $3,000 PAID TO DATE, $784X55 BEGIN 4/1/2024 100% PLAN WHICH INCLUDES MINIMUM $83,672.09 DIVIDEND TO GENERAL UNSECURED CREDITORS
-IRS PRIORITHY CLAIM TO BE PAID IN FULL THROUGH PLAN


issues as of 3/14/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- Need to file Pre-Confirmation Certification with Court FILED, RESOLVED
2) State of NJ priority claim #11 is estimated for 2019 taxes - AMENDED TO ZERO, RESOLVED
3) IRS priority claim #1 not in plan, claim for $7,340.91 - claim needs to be paid through plan OK TO PAY THROUGH PLAN


proposed plan $600x60 begin 11/1/2023 100%
paid in $3,000
last claim 11

RESOLVED ISSUES:

- Need auto insurance renewal, policy provided will expire before confirmation hearing -RESOLVED, PROVIDED UPDATED STATEMENT
Matter ResolvedRequest
Adjourment
1693/27/2024 10:00 am23-18714 / MBKDavid G. Beslow, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 7 of 6 required payments   Arrears: $375.00  
MP in 14 days

As of 3/20/24 (DS): 1. Debtor making different Trustee payments, not paying per plan $500. Last payment made via TFS was $6 on 2/15/24. Arrears $700.

2. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $414, not $500.
- Need a tier plan payment when pension loan $2,141 ends Oct. 2025.
- Need Trustee standard order of distribution.
- Must resolve State of NJ estimated tax claim, 2018-2022 tax returns not filed.
- Must file Pre-confirmation certification.

Prop Plan $500 x 36 begin 11/1/23; Base
Matter ResolvedRequest
Adjourment
1703/27/2024 10:00 am23-18746 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 6 required payments   Arrears: $0  
Total Paid In: $2,072.00
AS OF 3/14/2024 (at):

RECOMMEND: $1,372 PAID TO DATE, $300 x 55 BEGINNING 4/1/2024, BASE

1. Need updated income. (RECEIVED)

2. Need 2023 tax return.

3. Excessive expenses on Schedule J: $513/month for food; $580/month for transportation; $345/month for mother's medical expenses (NEED PROOF OF EXCESSIVE EXPENSEES)

MP proposes: $232 x 55, not less than $9,000 to unsecured creditors
Arrears: $1,176
Matter ResolvedRequest
Adjourment
1713/27/2024 10:00 am23-18836 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 6 required payments   Arrears: $500.00  Total Paid In: $2,500.00
3/26 revised workup for the 3/27 calendar

CONFIRM AT: $2500 paid then $500 x 55 beg 4/1/24 100% with min of $19845 due to equity--trustee to receive non exempt proceeds from sale by 10/1/24--Trustee to pay NJ Motor Vehicle claim through plan----Trustee to pay US Bank mortgage claims pending sale

--low base

$4,366.80 post-petition arrears are being added to the plan (dm)

1) SN Servicing Corp/US Bank (Friedman Vartolo) objection to confirmation - need to resolve
-arrears $96,192.98
2) SN Servicing Corp.US Bank (Friedman Vartolo) -Motion Relief from Stay scheduled for 2/28/2024
3) Trustee objection to confirmation - need to resolve
- Amendments to Schedules Amend for 2015 Hyundai Tuscon and proof of insurance.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,475 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 $19,845 in non-exempt equity in the residence. (100% PLAN)
- Need to file Pre-Confirmation Certification

proposed plan $500x36 begin 2/1/2023 with sale of real property by 10/1/2024
paid in $1,500
arrears $500
last claim 5
Matter ResolvedRequest
Adjourment
1723/27/2024 10:00 am23-19205 / MBKCarol L. Knowlton, Esq.Confirmation Hearing on Modified PlanContinued
5/22/2024 10:00 am
Debtor has made 1 of 6 required payments   Arrears: $1,000.00  
ISSUES AS OF 3/20/2024 (DM):

***Debtor is 1 of 5 Trustee payments, contributor does not make enough to contribute $1,400 per month, and debtor has not demonstrated the ability to make $1,235 estimated monthly payment needed to fund the plan - RECOMMEND DISMISSAL***

 ADJ to 3/27 to show why this case should be in Chapter 13 (dm)

 Debtor would need $1,235 x 56 starting 3/1/24 to fund the plan. Debtor has not demonstrated feasibility - RECOMMEND DISMISSAL.

1) Ally filed $42,918.80 arrears claim for 2019 Volvo XC60. Listed in the MP as unknown. Debtor is not current with the plan payment and would need over $1,000 per month to cure the arrears (UNRESOLVED.)

2) MP provides $6,000 arrears treatment to Westlake Financial for 2020 Honda CR-V - creditor filed higher arrears claim for $9,833.56 (OKAY TO PAY HIGHER CLAIM??)

3) Trustee OBJ:
- Need signed affidavit of contribution and 2 months proof of income from contributor (RECEIVED AFFIDAVIT BUT W-2 SUPPLIED WITH $13,470 GROSS INCOME IS INSUFFICIENT TO BE ABLE TO CONTRIBUTE $1,400/MONTH TO THE DEBTOR.)
- Need auto insurance for 2019 Volvo XC60 and 2020 Honda CR-V (UNRESOLVED.) If vehicles are lemons and out of commission, why paying arrears?
- Need to file Pre-Confirmation Cert (UNRESOLVED.)
- Atty must file a fee application within 7 days of Confirmation.
- Westlake filed a late POC. Is the debtor going to pay this claim? Plan has to pay, will need motion to allow Trustee to pay late claim (ADD TO CONFIRMING ORDER.)
- Add to confirming order all non-exempt proceeds from claim/lawsuit stemming from vehicle purchases (Lemon Law.)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need signed certificate of non-filing of tax returns (RECEIVED.)
- Need car insurance for 2017 VW Passat, due to claims filed (RECEIVED.)


Prop. Plan $200 x 36, Base
PTD 1/5 = $200
Last Claim (16-1)
Matter ResolvedRequest
Adjourment
1733/27/2024 10:00 am23-19401 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
5/8/2024 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $1,100.00  
AS OF 3/25/2024 (at):

STATE AND IRS CLAIMS ARE STILL ESTIMATED.

1. Objection filed by PNC Bank (KML) - plan is silent as to pre-petition arrears of $4,278.09. (RESOLVED - PAY PER POC ARREARS)

2. NJ Division of Taxation filed an estimated priority claim #12 which needs to be amended. (STILL ESTIMATED)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2022 tax return or cert of non -filing. (NOT RECEIVED)
- Must resolve IRS estimated tax claim. (STILL ESTIMATED)
- Must file Pre-confirmation certificate. (NOT FILED)

RESOLVED ISSUES:
- Auto insurance for 2019 Dodge Durango. (RECEIVED)
- The current Plan does not specify treatment of PNC Bank under the Plan. (OBJECTION FILED)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in real property $234,123. (100% Plan) (LANGUAGE ADDED)

Plan proposes: $1,100 x 60 beginning 11/1/2023, 100% plan
Payments: 4/5, arrears $1,100
Matter ResolvedRequest
Adjourment
1743/27/2024 10:00 am23-19626 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $4,800.00
Recommend Denial of current Plan - MP is scheduled for 4/10/24 (dm)

As of 2/26/241 Debtor atty requested adjournment, apparently Debtor was approved for ERMA funds. Motion is to be filed to approve and mod plan filed to treat creditor outside and 100% to gucs.

As of 2/22/24 (DS): IF OBJ RESOLVED BY BOTH PARTIES WITH OK TO PAY NEWREZ MTG ARREARS $18,881.83 AND OK TO CONFIRM AT 100%, THEN NEED TO CONFIRM AT $800 x 60 begin 11/1/23; 100% with a minimum dividend $38,292.55 due to non-exempt equity;
- Student loans to be treated outside.
- Within 7 days must file Pre-confirmation certificate.
- Trustee ok to pay arrears claim#9-1 $18,881.83.

As of 1/9/24 (DS): Debtor atty requested adjournment to resolve objections

1) NewRez LLC/Shellpoint Mortgage (MCCABE WEISBERG) obj to arrears $18,510.97, plan proposes $15,000. POC filed arrears $18,881.83.

2) Trustee obj to the following:
- Debtor has undertaken an improper use of exemption. Specifically: Deed is in the name of Gisela Hinojosa only, therefore, d(1) exemption can only be $27,900, not $55,800.
- Must amend Sched C to remove d(1) exemption for Co-debtor. There is non-exempt equity $37,851.52 in real property and Capital One Bank accts $441.03 (acct in Debtor name only) total $38,292.55. BAR DATE HAS PASSED TOTAL UNSECURED CLAIMS FILED $11,346.67.
- Excessive expenses on Form 122c Line 30 $69 additional food/clothing, Line 28 $112 additional home energy costs, Line 22 $90.17 additional health care expenses, Line 18 $73.80 life insurance. 22c would have disposable income $242.02, which would require minimum dividend $14,521 to gucs.
- Excessive expense for electricity/heat/gas $800. Disposable income would be $1,713.
- Must resolve creditor objection.
- Must file Pre-confirmation certificate.

Note: Updated auto insurance provided. Expenses for charity, car payment and cell is acceptable.


Prop. Plan $800 x 60, Base Plan.
PTD 5/5 = $4,000
Last Claim (11-1)
Matter ResolvedRequest
Adjourment
1753/27/2024 10:00 am23-19824 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 4 of 5 required payments   Arrears: $0  

As of 3/26/24 - Email from Debtor atty to allow case to be dismissed and hold fees/DS

As of 3/20/24 (DS): 1. MFR filed by US Bank for various issues, sched 3/27/24. Need outcome.

2. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $-92.
- Must provide bank statements from Wells Fargo acct#5328 for Oct. 2023 and Santander acct#5793 for Sept and Oct 2023.
- Must file Pre-confirmation certificate.

3. US Bank not treated in plan, arrears owed $707,165.36. Plan propose sale only.

Prop Plan $250 x 60 begin 12/1/23; Base and Sale of Edward St by 5/1/24
Matter ResolvedRequest
Adjourment
1763/27/2024 10:00 am23-20451 / MBKBrad J. Sadek, Esq.Confirmation Hearing on Modified PlanContinued
4/24/2024 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $15.00  
As of 3/20/24(mk):

MFR on 3/27 NationStar( McCalla): needs Resolution -debtor wants recap ands pay in plan


1. Trustee Objection:
-INCOME VERIFIES MUCH HIGHER THAN SCHEDULDED.
Dispos. income is 7,963
- Need Amend Schedule I and provide proof of income for new
part -time job with Community Medical Center and new
main job at St. Peters Hospital. NEED TO KNOW WHAT IS CURRENT STAE OF DEBTRO AND SPOUSE INCOME TO MAKE SURE WE AREN'T USING INCOME ON A JOB THAT DENTO NO LONGER HAS
- need 2023 tax return by 5/15/24.
- Need to file Pre-Confirmation Certification.

Plan:$1085 X 60; MIN $14,224
4/4 payments

-------------------
. Objection By Nationstar(McCalla): RESOLVED ORDER ENTERED 3/4/24PAY ARREARS THRU PLAN
-plan fails to pay arrears
Matter ResolvedRequest
Adjourment
1773/27/2024 10:00 am23-20499 / MBKDavid G. Beslow, Esq.Confirmation Hearing ScheduledContinued
4/10/2024 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $1,000.00
AS OF 3/18/24 (SF)

1. Objection filed by Rocket Mortgage (Steven Kelly) - failure to pay arrears of $21,262.70 and speculative sale (RESOLVED. Are we paying arrears pending sale?)

2. Motion for Relief by Rocket Mortgage 3/13/24 - OTBS (NEED ORDER) Are we adding post petition arrears?

3. Trustee 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):

-there is $15,296.73 non exempt equity in house

- Need to file Pre Confirmation Certification with Court



Plan proposes $200 x 36 100% Plan; Sale in 12 months
Payments: 3/4 Arrears: $200



Matter ResolvedRequest
Adjourment
1783/27/2024 10:00 am23-20500 / MBKDavid G. Beslow, Esq.Confirmation Hearing ScheduledContinued
4/24/2024 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $200.00  
AS OF 3/25/2024 (at):

Trustee's objection:
- Need outcome of resolution on Child Support, may need to amend Schedule J (STILL NEED OUTCOME)

RESOLVED ISSUES:
- must file pre conf cert. (FILED)
The debtor has failed to supply the Trustee with the following document(s):
auto insurance renewal, policy provided expired 12/15/2023 (RECEIVED)
-Verification of Creditor Matrix fails to include list of creditors and the address they were
served (OK - ADDRESSES ARE LISTED)

Plan proposes: $200 x 60 beginning 12/1/2023, base
Payments: 3/4, arrears $200

RESOLVED ISSUES:
- Amendments to Schedules -Schedules A/B and C to include Citizens Bank acct #541 -2 (AMENDED)
Matter ResolvedRequest
Adjourment
1793/27/2024 10:00 am23-20523 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 3 of 5 required payments   Arrears: $2,132.00  
update 3/25/2024 (JMA) - modified plan filed and scheduled for 4/24/2024
issues as of 3/14/2024 (JMA)

1) Wells Fargo Bank (Brock & Scott) objection to confirmation - need to resolve
- proposed timeframe to complete a loan modification is unreasonable
- plan provides for funding based on a potential Loan Modification. Treatment is speculative in nature as Loan Modification has neither been offered or accepted yet.
2) Trustee objection to confirmation - need to resolve
- A copy of the homeowner's insurance renewal declaration - policy provided is forced place policy by mortgage company, does not include personal liability coverage RESOLVED, PROVIDED NEW POLICY SHOWING PERSONAL LIABILITY COVERAGE
- Need to provide the 10/2023 statement for The Bank of Princeton acct#0224
- 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 $80,611.32 non-exempt equity in home
- Wells Fargo Bank (Brock Scott) objection to confirmation, plan provides funding based on Loan Mod by 6/1/2024. The treatment is speculative.
3) Order 1/22/2024 terminating the Loss Mitigation period
4) Need to file Modified plan proposing treatment of mortgage arrears

proposed plan $1,066x60 base plan
paid in $2,132
arrears $2,132
last claim 2

RESOLVED ISSUES:

- Need to file Pre-Confirmation Certification with Court RESOLVED, FILED
Matter ResolvedRequest
Adjourment
1803/27/2024 10:00 am23-20591 / MBKWarren S. Jones, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 2 of 5 required payments   Arrears: $0  

AS OF 3/19/24 (SF) Per atty, ok to dismis

Email from atty: You can mark this for dismissal. Debtor signed real estate agreement to sell real estate and buried oil tank was discovered with contamination. The real estate value plummeted and there is no feasible plan.



Note: Debtor is not current with plan payments at $50 per month 2/4 Arrears: $100. Payment must increase due to higher disposable income (NEED STATUS OF SALE)


RECOMMEND $100 PTD, $525 X 32 100% W/MIN $61,538 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE; NONEXEMPT PROCEEDS FROM SALE OF REAL ESTATE BY 3/31/24
- OK TO PAY SECURED CALVARY SPVILLC CLAIM 8-1
- FREEDOM MORTGAGE TO BE TREATED OUTSIDE PLAN DUE TO STAY RELIEF
- US DEPARTMENT OF HUD TO BE PAID AT SALE
- FILE PRE-CONFIRMATION CERT WITHIN 14 DAYS
- LOW BASE




1. Trustee objection:

- Verified income leaves monthly disposable income of $656.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,229 when determining disposable income.

- There is $61537.97 in non-exempt equity in the residence. ( REQUIRES 100% TO GUCS)

- Need to file Pre-Confirmation Certification.


Plan proposes $50 x 5; $199,170.75 x 1; Base; Sale by 2/14/24
Payments: 2/4 Arrears: $100



RESOLVED ISSUES:
- Need A copy of the homeowner's insurance renewal declaration (RECEIVED)

- Need clarity. The plan proposes to pay mortgages in full through the plan when these creditors are usually paid outside at the closing--PAY AT CLOSING

1. Objection filed by Freedom Mortgage (Fissel) - failure to pay arrears of $18,324.81; speculative sale and failure to provide for adequate protection payments (ORDER ENTERED- PAY AT SALE BY 3/31/24)

2. Motion for Relief by Freedom Mortgage 3/13/24 (GRANTED)

3. Cavalry SPV I, LLC filed secured judgment lien in the amount of $5235.43 which is not address in plan (OK TO PAY?) YES
Matter ResolvedRequest
Adjourment
1813/27/2024 10:00 am23-20610 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
5/8/2024 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $980.00  
As of 3/20/24 (DS): 1. State of NJ fiiled estimated tax claim, 2017, 2018 and 2021 not tilfed. Must resolve estimated tax claim.

2. IRS estimated tax claim, still not resolved as well.

1/24/24 (DS): 1. Ford Motor Credit (MORTON) obj to arrears possibly owed, plan rejects the lease and/or fails to identify the lease. POC filed no arrrears owed, Plan has Lincoln Automotive, not Ford Motor Credit. Obj needs to be resolved. ORDER FOR LEASE ASSUMPTION GRANTED 1/30/24.

2. IRS filed estimated tax claim, 2021 tax return not filed. Must resolve claim.

Prop Plan $490 x 36 begin 12/1/23; Base
Note: Capital One bank statements provided.
Matter ResolvedRequest
Adjourment
1823/27/2024 10:00 am23-20729 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 132986.90 of 5 required payments   Arrears: $0  
Total Paid In: $132,987.00
1/23 AMT: NOTE: PETITION HAS TYPO FOR ADDRESS AS 654 TULIP; ADDRESS IS 65 TULIP<<>>

AS OF 3/27/2024 (at):

$132,986.90 PAID TO DATE, 100% PLAN
CASE IS PAID IN FULL
- Need amended schedule to correct address on petition within 5 days
- US Bank must amend it's proof of claim within 15 days

1. Need proof of satisfaction for US Bank claim 6-1 which was paid at closing

2. Need amended schedule to correct address on petition (AMENDED)

3. Debtor must file change of address with the Court (PROVIDED)

4. Objection filed by SN Servicing (Friedman Vartolo) - failure to cure arrears of $184,282.66 (per obj) and creditor wants stay relief if property is not sold within an appropriate time frame. (PROPERTY SOLD 1/12/2024) (NEED PROOF OF SATISFACTION)


Plan proposes: $379 x 60 beginning 12/1/2023, sale of residence by 2/1/2024, base
Payments: $3,837.57 credit



RESOLVE ISSUES:
- Need to file Pre-Confirmation Certification. (FILED)
- The IRS filed an estimated claim which needs to be amended. (NO LONGER ESTIMATED)
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - with comparatives sold within 6 months of filing or sales
contract. (RECEIVED)
- American Express filed a secured claim #2 in the amount of $15,635.27 which is not in the plan. Is the debtor going to pay this claim? (PAID AT CLOSING)
- LVNV Funding filed a secured claim #3 in the amount of $17,788.83 which is not in the plan. Is the debtor going to pay this claim? (CLAIM AMENDED TO $0)

Plan proposes: $379 x 60 beginning 12/1/2023, sale of residence by 2/1/2024, base
Payments: $3,837.57 credit
Matter ResolvedRequest
Adjourment
03/27/2024 10:00 am23-20748 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledOrder Previously SubmittedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $8,000.00
MOOT DATE CHANGED TO 2/28/24

As of 2/12/241 (DS): Debtor atty requested adj to resolve obj

As of 1/31/24 (DS): If obj resolved with Nationstar to pay POC arrears $95,915.97, need to confirm at $1,600 x 34 begin 12/1/23; $2,163 x 26 begin 10/1/26; Base

As of 1/19/24 (DS): Debtor atty requested adjournment to resolve creditor obj

1/24/24 (DS): 1. Nationstar obj (GROSS POLOWY) arrears $95,915.59, not $94,000, POC filed arrears $95,915.94. Obj must be resolved.

Prop Plan $1,600 x 34 begin 12/1/23; $1,900 x 26; Base
Matter ResolvedRequest
Adjourment
1833/27/2024 10:00 am23-20769 / MBKChristopher G. Cassie, Esq.Confirmation Hearing on Modified PlanMoot - DismissedDebtor has made 1 of 5 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1843/27/2024 10:00 am23-20803 / MBKAndrew M. Carroll, Esq.Confirmation Hearing ScheduledContinued
5/22/2024 10:00 am
Debtor has made 2 of 5 required payments   Arrears: $11,175.00  
att to file MP

3/19 workup for the 3/27 calendar EDC

-plan and attorney fee disclosure don't match. The $1500 owed is not in plan?
-Both the IRS and Lawrence claims are much higher. Feasible? WILL NEED AROUND $2700 GOING FORWARD


Trustee objection:
--The debtor has undertaken an improper use of exemption. Specifically: Real property
only in Debtor name, not permitted to take d(1) exemption for co-debtor.

--There is non-exempt equity in real property $476,459.76, TD Bank acct#1381 $477.56
(Debtor only on acct), TD Bank acct #4117 $1,285.98 (1/2 interest on joint acct) and
Princeton FCU (pending statements) - 100% PLAN.


- Must provide 2 months clear bank statement from Princeton FCU checking acct#1950
prior to filing date with name of bank and name of person on acct. Also need bank
statements from acct#0958 (shown on Co-Debtor pay stub). OK 100%

- Must file Pre-confirmation certificate

MP $1765 x 60 beginning 12/1/23
100%

---------------
Resolved:
--Need A copy of the last filed tax return - for 2022. DONE
--A copy of the homeowner's insurance renewal declaration - with personal liability
coverage.
--Need Auto insurance for 2017 Lincoln and 2021 Hyundai.
--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). OK 100%
--The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Cable/internet/phone/cell $452.54, Food $900 and Federal taxes $500 (requires proof that
taxes are paid monthly). OK 100%

--The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s): 22c
disposable income $5,104.22. ( OK 100% Plan.)
Matter ResolvedRequest
Adjourment
1853/27/2024 10:00 am23-20810 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 10 of 5 required payments   Arrears: $0  
Total Paid In: $1,900.00
As of 3/26/24 (DS): Ok to confirm at $1,700 paid, $200 x 56 begin 4/1/24; 100% to gucs due to non-exempt equity $117,996; (LOW BASE)
- Refinance of Morgan Terrace property by 4/1/25.
- Claim#9-1 PHH Mortgage arrears $13,669.51 to be paid.
- Claim#19-1 Ford Motor Credit to be treated outside, no arrears owed.
- Trustee standard order of distribution.

1. Mod plan propose refinance on property to be done by 12/31/25, Trustee wants 12 month to refinance.

2. PHH obj still not resolved, although mod plan propose to pay arrears. PER EMAIL OK WITH TERMS

MOD PLAN WITHDRAWN 3/8/24

Plan withdrawn 2/21/24 doc#33, COURT DENIED, DUE TO INCORRECT FORM FILED.

As of 1/19/24 (DS): Debtor atty requesteed adjournment to resolve objections.

2/28/24 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, recalculated income, which verifies that disposable income is $97.26, still insufficient to pay $500 or more. WILL NEED DEBTOR TO DO eWage or TFS payments.
- Must amend Sched B and C to add all vehicles.
- There is non-exempt equity in real property $177,996. Case will need to be 100%. TOTAL GUCS FILED $38,113.93

2. PHH Mtg obj (ALEISHA JENNINGS) arrears owed, POC filed with arrears $13,669.51. Needs to be resolved. MOD PLAN FILED, PAYS ARREARS AND ADDS REFINANCE BY 12/31/25

Prop Plan $200 x 60 begin 12/1/23; Base and refinance of Morgan Terrace by 12/31/25
Matter ResolvedRequest
Adjourment
1863/27/2024 10:00 am23-20874 / MBKMarcia Y. Phillips, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $265.00  Total Paid In: $1,060.00
AS OF 3/25/2024 (at):

RECOMMEND: $265 x 60 BEGINNING 12/1/2023, BASE
Preserve non exempt equity of $9,105.00 in personal property.
Claim #8 filed by JP Morgan Chase will be paid through the plan.

1. JP Morgan Chase filed a secured arrears claim #8 in the amount of $379.76 which is not in the plan. Are the debtors going to pay this claim?

2. Trustee's objection:
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C over
exempts d(5), by $8,431, only allowed $2,950 with each Debtor d (5) allowed $1,475 each.
- The current Plan does not specify treatment of AmeriCredit/GM Financial for 2019 Chevy Cruze under the Plan.
- Must provide Co-Debtor Chase Bank checking acct#3271 and savings acct#2839 for
October and November prior to filing date and valuation on horses with proof of ownership for the 2 race horses. (RECEIVED)
- Must file Pre-confirmation certificate. (FILED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in 2016 Chevy Silverado $4,450 (after using d(5) exemption remaining), race horses (pending docs), Chase checking acct#1615 $169.89 and Chase Bank checking acct#3271 and savings#2839 ($672 in non exempt equity). - Also pending amended Schedules to add 2019 Chevy Cruze there would be non -exempt equity. (NON EXEMPT EQUITY IN PERSONAL PROPOERTY IS $9,105)
- Amendments to Schedules B, D, to list 2019 Chevy Cruze, creditor (AMENDED)
The debtor has failed to supply the Trustee with the following document (s):
- Auto insurance for 2019 Chevy Cruze and updated auto insurance for 2016 Chevy Silverado and 2011 Chevy HHR. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $857 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- Must resolve creditor objection. (RESOLVED)
- JPMorgan Chase filed arrears $379.76. (LIST
Matter ResolvedRequest
Adjourment
1873/27/2024 10:00 am23-20923 / MBKMichael P. Otto, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $13,375.00
AS OF 3/19/24 (SF)

RECOMMEND $10,700 PTD; $2675 X 36 (BEGIN 4/1/24) 100% PLAN W/MIN $158,587 TO GUCS PER 122C; LOAN MOD BY 8/1/24

-DO NOT PAY ARREARS OR RESERVE TO CROSSCOUNTRY MTG PENDING APPROVAL OF LOAN MOD
- OK TO PAY FINWISE BANK CLAIM 7-1
- MUST FILE PRE-CONFIRMATION CERT WITHIN 14 DAYS




1. FinWise Bank filed secured claim 7-1 in the amount of $1067.87 which is not addressed in plan (OK TO PAY?)

2. Trustee objection:
- 22c has disposable income $2,643.12, which would require minimum dividend $158,587 to gucs or 100%.

- Proof of income also verifies higher, there is disposable income $6,849.

- The Plan needs to run 60 months pursuant to the B22C form.
- Must file pre-confirmation certification

- need rest of Nov and dec pay stubs for co debtor on Cross cty Mtg job


Plan proposes $2675 x 36 Base, Loan Mod by 6/1/23
Payments: 4/4


RESOLVED ISSUES:
- Objection filed by Cross Country Mortgage (Spivack) - failure to pay arrears of $222,379.03 and speculative loan mod (RESOLVED VIA ORDER - Cure arrears via loan mod by 8/1/24)
- IRS filed estimated priority claim 2-4 (AMENDED)
- Need Updated auto insurance, if not confirmed by 1/24/24, insurance expires 2/1/24. (RECEIVED)
- need rest of Nov and dec pay stubs for co debtor on Cross cty Mtg job (RECEIVED)

Matter ResolvedRequest
Adjourment
1883/27/2024 10:00 am23-20941 / MBKWarren S. Jones, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $548.00  Total Paid In: $4,500.00
3/26 update workup for the 3/27 calendar EDC

$4000 paid then $1048 x 56 beg 4/1/24 100% due to equity ($323,000 in equity)--trustee to pay LVNV claims 13 & 14 as unsecured as filed---Trustee will use standard order of distribution

1) Deutsche Bank (RASC) objection to confirmation - CREDITOR CONSENTS TO ADJOURNMENT, MODIFIED PLAN PAYS ARREARS THROUGH PLAN
-plan fails to treat pre-petition arrears $2,828.03
2) Trustee objection to confirmation - need to resolve
-The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): Verified income leaves monthly disposable income of $7,459. Per the 22C, monthly disposable income is $5,391 which requires a minimum dividend of $323,460 to general unsecure creditors. (100% Plan)
3) State of NJ, Division of Taxation claim is estimated for 2022 taxes, need to resolve

proposed plan $1,000x3, $1,048.63x57 100% plan
paid in $500
arrears $1,500
last claim 6

RESOLVED ISSUES

1) Trustee objection issues that have been resolved
-A copy of the last filed tax return - 2022 prior to confirmation. PROVIDED COPY OF RETURN (1/5/2024)
-The Schedules fail to account for the debtor(s) tax refund in the amount of $742 when determining disposable income. THIS IS THE 2021 RETURN, 2022 NO REFUND
-Need to file Pre-Confirmation Certification RESOLVED
3) IRS priority claim is estimated for 2022 taxes, to resolve need amended IRS poc RESOLVED, CLAIM AMENDED TO ZERO
Matter ResolvedRequest
Adjourment
1893/27/2024 10:00 am23-20977 / MBKDouglas T. Tabachnik Confirmation Hearing ScheduledContinued
5/8/2024 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $1,173.00  
As of 3/20/24 (DS): Debtor attorney requested adjournment, 341 sched 4/4/24
Matter ResolvedRequest
Adjourment
1903/27/2024 10:00 am23-21090 / MBKScott J. Goldstein, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 4 of 5 required payments   Arrears: $0  

AS OF 3/25/2024 (at):

NEED UPDATED CAR INSURANCE.

1. Synchrony Bank filed a bifurcated claim #13 for a 2023 KTM Motorcycle 250XC-F in the secured amount of $6,675 and unsecured amount of $4,519.14 which needs to be resolved.

2. Objection filed by Wells Fargo Bank (Brock & Scott) - failure to cure arrears of $15,831.02 (Per POC) (RESOLVED - PAY ARREARS PER CLAIM)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - for non filing spouse (NOT RECEIVED)
- Income contribution affidavit (NOT RECEIVED)
- Need updated car insurance. Policy expired 1/27/24. (NOT RECEIVED)
- Amendments to Schedules I add income of non filing spouse (NOT AMENDED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$600/month for transportation
Four car payments: $500.12, $830.40, $295.99 & $224.76
$600/month for child support
Need proof of excessive expenses 10 days prior to confirmation.

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 $3,762 in non exempt equity in the 2019 Ford Mustang. (LANGUAGE ADDED)
- Need to resolve objection by Wells Fargo Bank. (RESOLVED)
- Synchrony Bank filed a bifurcated claim #13 which needs to be resolved. (LISTED ABOVE)

Plan proposes: $950 x 60 beginning 12/1/2023, not less than $45,320.47 to unsecured creditors
Payments: 3/4, arrears $950
Matter ResolvedRequest
Adjourment
1913/27/2024 10:00 am23-21198 / MBKCarol L. Knowlton, Esq.Confirmation Hearing ScheduledContinued
5/8/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 3/21/2024 (at):

NEED UPDATED CMA'S FOR BOTH PROPERTIES WITH COMPARATIVES SOLD WITHIN SIX MONTHS OF FILING.

1. Objection filed by SN Servicing (Friedman Vartolo) - failure to cure full arrears of $83,590.17 (Per POC) (PER CHARLES WOHLRAB, OKAY TO PAY PER POC)

2. Harley Davidson filed a bifurcated claim #20 with a secured amount of $9,000 and an unsecured amount of $8,057.58 which needs to be resolved. Arrears per the claim are $15,791.12.

3. Trustee's objection:
- The debtor has failed to file a feasible plan - that propose the amount that will be necessary to pay all the arrears proposing to pay. Will need a Trustee payment estimated $3,300.
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - with recent comps for the past 6 months from filing for
both properties. (NOT RECEIVED - 2ND SUBMISSION - COMPS ARE TOO OLD)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
#6a-electricity $500, #6c $465, Auto insurance $525 (Much higher per proof, auto insurance verifies $879 and $39 for motorcycle total $918), Car and motorcycle loans $356 and $475 (motorcycle is 16 years old with a balance $15,354) and 2nd property expenses total $1,455 (son's contribution affidavit has $1,350, Sched I has $1,300, plus no proof of income to verify from son).
- 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 both properties pending updated CMA with comps (Per Zillow properties listed much higher.) (AWAITING CMA'S)
- Must resolve creditor objection.
- Must file Pre-confirmation certificate. (NOT FILED)
1b. Plan has to pay IRS and State of NJ taxes total $46,733, plus mortgage arrears $78,000
on Landon Dr, $27,000 on Lilac Ct plus HOA $23,950 total wit Trustee comp is $195,204 and would require Trustee payment $3,254.

RESOLVED ISSUES:
- Upda
Matter ResolvedRequest
Adjourment
1923/27/2024 10:00 am23-21257 / MBKMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledContinued
4/24/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $405.00  
issues as of 3/14/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor has failed to file a feasible plan
- The debtor has failed to supply the Trustee with the following document (s):A Modified Plan that marks off Section 8a and 8d and Trustee standard order of distribution.
- 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 $160,444 non-exempt equity in real property. Plan needs to be 100%, not
minimum dividend $1,075.26. Schedule F has total unsecured debt $4,301.
- 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).
2) Debtors plan treats Shellpoint as a cure of arrears $18,777 Part 4a and as pay in full $195,000 Part 4f - which is correct?
3) To date Shellpoint has not filed a proof of claim. Trustee needs claim to pay claim. BAR DATE HAS PASSED, CLAIM NOT FILED

proposed plan $405X
paid in $810
arrears $405
last claim 2

RESOLVED ISSUES:

- Must file Pre-confirmation certificate RESOLVED, FILED
Matter ResolvedRequest
Adjourment
1933/27/2024 10:00 am23-21384 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 4 required payments   Arrears: $729.00  Total Paid In: $1,600.00
As of 3/20/24 (DS): IF OBJ RESOLVED WITH M&T BANK TO PAY ARREARS WILL NEED TO CONFIRM AT $1,325 PAID, $1,004 X 57 BEGIN BEGIN 4/1/24; 100% TO GUCS WITH A MINIMUM DIVIDEND $110,566 DUE TO NON-EXEMMPT EQUITY;
- CLAIM#2-1 OF US DEPT OF HUD TO BE TREATED OUTSIDE AND NOT PAID, NO ARREARS OWED.
- CLAIM#17-1 OF M&T BANK ARREARS $5,203.68 TO BE PAID.
- DEBTORS TO PROVIDE UPDATED INCOME WITHIN 6 MONTHS FROM CONF OR ONCE EMPLOYED.

1. Trustee obj to the following:
- Need current market analysis with currrent comparatives within 6 months from conf. (Zillow has value $344,700-TRUSTEE TO USE ZILLOW VALUE, IF NONE PROVIDED), balance statement for the co-debtor's pension loan prior to filing date and proof of insurance for 2013 Lincoln.
- Based on Zillow value there is non-exempt equity in real property $110,566. Bar date has passed total gucs $45,108.97.
- Verified disposable income is $798. Plan will need to pay more since proposing 100%. PLAN MAY NOT FEASIBLE DUE TO NEEDING HIGHER TRUSTEE PAYMENT OF $1,004.
- Add to confirming order Debtors to provide updated income for the debtors within 6 months of confirmation or once employed.

2. M&T Bank (LAURA EGERMAN) obj to arrears owed, POC filed arrears $5,203.68, plan treats outside. Must resolve obj.

3. US Dept of HUD filed claim with no arrears, not in plan.

Prop Plan $275 x 60 begin 1/1/24; 100%
Matter ResolvedRequest
Adjourment
1943/27/2024 10:00 am23-21408 / MBKRobert Manchel, Esq.Confirmation Hearing ScheduledContinued
5/8/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 3/22/24 (DS): Debtor atty requested adj 341 resched to 4/18/24.
Matter ResolvedRequest
Adjourment
1953/27/2024 10:00 am23-21458 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $3,600.00
3/22/24(mk): atty ok to terms

As of 3/20/24 (DS): Need to confirm at $900 x 60 begin 1/1/24; 100% with a min. dividend $57,960 to gucs due to non-exempt equity;
- Add to confirming order Trustee ok to pay arrears claim#3-1 of JPMorgan Chase arrears $2,019.72.
- Within 7 days must file Pre-confirmation certification.
- Fee app within 7 days.
- Trustee standard order of distribution.

1. JPMorgan Chase filed arrears claim $2,019.72. Trustee ok to pay?

As of 2/12/24 (DS): Debtor atty requested adjournment to pass bar date and resolve obj

2/14/24 (DS): 1. Trustee obj to the following:
- No amended Sched I filed and proof of income provided from p/t time employment, verifies that disoosable income is $1,029 and is not insufficient.
- There is non-exempt equity in real property $47,485, Chase #7194 $3,752.81, Chase #8435 $3.47, Chase #1212 $377.79, PNC #2543 $246.47 and PNC #8623 $1,544.63 total in accts $5,925 and 2014 Jeep $4,550.
- Must file Pre-confirmation certificate.
- Need Trustee standard order of distribution.
- Must file fee app 7 days prior to confirming.

Prop Plan $900 x 60 begin 1/1/24; Base
Note: Debtor provided 2023 W2 which shows ytd net income from p/t employment. Income verifies $1,029. Business not profiting any income, Debtor provided P&L and whole life insurance policy.
Matter ResolvedRequest
Adjourment
1963/27/2024 10:00 am23-21634 / MBKAniello D. Cerreto, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 2 of 4 required payments   Arrears: $10,000.00  
PLAN 23 SHOULD BE WITHDRAWN AND NEW MP IN 14 DAYS ON NOTICE

FILE NEW MP THAT INCLUDES REASON IN PART 9 AND IS ON NOTICE AS OF 3/25/2024 (at):

DEBTOR HAS MADE ONE OF THREE PAYMENTS. ARREARS ARE $10,000.

1. Objection filed by Cross Country Mortgage (Brock & Scott) - failure to cure arrears of $7,250.69. (Per POC) (RESOLVED - PAY PER POC)

2. Need a certification from debtor and breakdown of what he did with the $688,997 he received from closing in April, 2023.

3. Trustee's objection:
- The debtor has failed to file a feasible plan
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - only provided 3 paystubs (Jan & Feb). (NOT RECEIVED)
- Amendments to Schedules Form 122C-1 is blank, need to amend - should be an
above median plan based on income. (NOT AMENDED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Excessive expenses on Schedule J $800/utilities, $800/telephone, cell phone, internet, cable; $2,000/food for household of 3; $650/clothing, laundry and dry cleaning;
$900/transportation; $2,500/entertainment, and $1,300 additional expenses for tutoring for
kids, childcare and children's activities. Disposable income will be higher with adjusted
expenses.
- HUD/Closing Statement from sale of property that occurred in 2022. (RECEIVED - WHAT DID THE DEBTOR DO WITH $688,997?)
- Amend Schedule B to add any businesses. (NOT AMENDED)
- Adjusting expenses on Schedule J per guidelines reduces total to $15,835.32 and leaves $8,725.06 disposable net income.

Plan proposes: $5,000 x 60 beginning 1/1/2024, base
Payments: 1/3, arrears $10,000
Matter ResolvedRequest
Adjourment
1973/27/2024 10:00 am23-21701 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
4/24/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

3/22/24(mk) adj request uploaded- says debtor no longer owns Mazda- needs to amend schedules- TR obj was that the car was on the uto insurance and NOT on schedule B Or C - needs certification about the vehicle and what happened to it and proof it is off the insurance- mk sent email to atty about this

as of 3/20 - No reply from atty

AS of 3/13/24(mk): email to atty

>STILL NO EXPLANATION ON WHO OWNS THE MAZDA?

1. Plan has Toyota Motor as unaffected POC arrears $164.31- OK TO PAY?

Trustee needs to receive non-exempt from 2 PI cases
2. Trustee Objection:
-plan has Toyota as unaffected - FILED POC#7-1- ARREARS $164.31-OK TO PAY?
- need Valuation on 2012 Mazda CX-9. WHO OWNS THIS
CAR?
- need Amendments to Schedules B and C to add 2012
Mazda CX-9, per auto insurance and no additional drivers
listed. If owned by debtor)-AMENDED FILED BUT NO CHANGE--- As of now, there is non-exempt equity in mobile home
$2,550 and 2012 Mazda

----------------------------------
- need copy of the homeowner's insurance renewal
declaration - if not confirmed by 2/28/24, insurance
expires 3/2/24.(PROVIDED)
- insufficient income(DEBTOR IS CURRENT)


Plan:$140 x 60 begin 1/1/24; Base
3/3 payments
Matter ResolvedRequest
Adjourment
1983/27/2024 10:00 am23-21918 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 3 of 4 required payments   Arrears: $300.00  
As of 3/25/24 (DS): DEBTOR ATTY REQUESTED ADJOURNMENT, Mod plan filed 3/13/24 and scheduled for 4/24/24. REQUEST DENIED, DOES NOT GET CONSENT OF OBJ CREDITOR

As of 2/26/24 Debtor atty requested adj to resolve all issued

2/28/24 (DS): 1. Trustee obj to the following:
- Must amend Sched B and C to add potential medical malpractice lawsuit and non-exempt proceeds from malpractice lawsuit to Trustee.
- Debtor has insufficient income, disposable income verifies $-189.
- Debtor has failed to file a feasible plan that propose non-exempt equity proceeds from sale of residence to Trustee.
- Debtor has undertaken an improper use of exemption. Specifically: Adding 100% fair
market value for Capital One checking and savings acct.
- There is no equity in real property, claim filed much higher.
- Add to confirming order non-exempt proceeds from sale of residence to Trustee.
- Must resolve creditor objection.

2. US Bank (LAURA EGERMAN) obj to arrears not paid and sale. Must resolve.

Prop Plan $300 x 36 begin 1/1/24; $0 and Sale of Center St by 6 months after conf
Note: Service to Midland Funding and New Century done 2/23/24. Updated homeowner insurance provided. MOD PLAN FILED 3/13/24 TO CORRECT ATTY FEES.
Matter ResolvedRequest
Adjourment
1993/27/2024 10:00 am24-10054 / MBKAndrew L. Miller, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $1,137.00
AS OF 3/12/2024 (at):

RECOMMEND: $379 x 7 BEGINNING 2/1/2024, $2,147 x 53 BEGINNING 9/1/2024, BASE
Need to file Pre-Confirmation Certification within 7 days of confirmation.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - for 2023 by 5/31/24. (RECEIVED)
- A Modified Plan that that proposes a tier plan when pension loan deduction $1,908
ends in month 7. (MOD PLAN FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Food
$500 and clothing $139.
- 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 Line #28 takes additional food/clothing $28 and Line #43 takes deduction $1,767.20 for pension loan repayment, however the balance is $13,254/60 months is $221. Also Line #43 takes deduction for auto insurance $136. That would leave Line #45 calculated disposable income $2,020.38, which would require minimum dividend $121,223 to GUCs.
- Must file Pre-confirmation certificate. (NOT FILED)

Plan proposes: $379 x 7 beginning 2/1/2024, $2,147 x 53, base
Payments: 2/2
(Debtor's pension loan ($1,767.20 per month) ends on August 2024 (final payment). Debtor is therefore proposing a tier payment to increase the plan payment for months 8-60. Months 1-7 monthly payment of $379.00 (available excess income) Months 8-60 monthly payment of $379.00 $1,767.20 = $2,147.00 (rounded up to the nearest dollar).)
Matter ResolvedRequest
Adjourment
2003/27/2024 10:00 am24-10248 / MBKChristopher G. Cassie, Esq.Confirmation Hearing ScheduledContinued
5/8/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $0  

AS OF 3/15/2024 (at):

RECOMMEND: $885 x 60 BEGINNING 2/1/2024 100% TO UNSECURED CREDITORS
Need 2023 tax return by 5/15/2024.
Claims will be paid according to the trustee's order of distribution.
Non exempt funds from personal injury suit are to be turned over to the trustee.
Need to file Pre-Confirmation Certification within 7 days of confirmation.

Trustee's objection:
- The debtor has insufficient income.
- A Modified Plan that completes part 8. (MOD PLAN NOT FILED)
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2023 by 5/15/2024. (LANGUAGE ADDED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l). (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION)
- Need to add non-exempt proceeds from PI claim to the confirming order. (LANGUAGE ADDED)

Plan proposes: $885 x 60 beginning 2/1/2024, not less than $18,611 to unsecured creditors
Payments: 1/2, arrears $885
Matter ResolvedRequest
Adjourment
2013/27/2024 10:00 am24-10362 / MBKHerbert B. Raymond, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $0  
Total Paid In: $2,000.00
As of 3/27/24 (DS): If obj resolved with First Financial to pay as unsecured and with Twp of Ocean need to confirm at $1,000 paid, $1,000 x 13 begin 4/1/24, $1,710 x 45 begin 5/1/25, 100% w/min. div. $578,273 due to non-exempt equity;
- Part 4g to be stricken as to Boardwalk Regency and not paid, no claim filed.
- Student loans to be treated outside.
- Add to confirming order that if plan is reduced to less than 100%, then debtor must provide a valuation for the 4% interest in 260 Mott Realty Corp.
- Claim#6-1 of Twp of Ocean Tax Collector $12,981.12 to be paid per claim, priority unsecured, unless claim is amended within 30 days and Section 4(g) to be stricken.
- Claim#7-1 of Twp of Ocean Sewerage Authority $541.19, Trustee ok to pay.
- Claim#11-1 Wilmington/Planet $12,686.16 to be paid.
- Claim#12-1 First Financial to be treated as unsecured, per POC filed, unless claim is amended within 30 days and Section 4(g) to be stricken.
- Trustee standard order of distribution.


1. Trustee obj to the following:
- Need 2023 tax returns from spouse, Debtor filed MFS.
- There is non-exempt equity in real property $578,273.
- Need to add to confirming order that if plan is reduced to less than 100%, then debtor must provide a valuation for the 4% interest in 260 Mott Realty Corp.

2. Wilmington (FRIEDMAN VARTOLO) obj to arrears more, POC filed arrears $12,686.16. PER EMAIL 3/26/24 FROM ATTYS OK TO PAY ARREARS.

3. First Financial FCU (MICHAEL DUPONT) obj plan propose to pay $10,894.31, POC filed for $13,439.15. POC FILED AS UNSECURED AND NOT SECURED AND WILL PAID 100% AS UNSECURED, UNLESS AMENDED. Must resolve obj.

4. Twp of Ocean (SUSAN HEALY) obj to how creditor is paid. The delinquent taxes and sewer charges are to be paid separate. Payments to Twp of Ocean - Office of the Tax Collector and to the Twp of Ocean Sewerage Authority. POC filed by Sewerage $541.19, not treated in plan. MUST RESOLVE OBJ

5. Twp of Ocean Tax collector filed priority claim
Matter ResolvedRequest
Adjourment
2023/27/2024 10:00 am24-10368 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
5/8/2024 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $2,802.00  
As of 3/15/24 (D): 341 not held 3/14/24, still missing all docs and no Trustee payments made, Debtor in arrears $2,802, made 0 out of 2 payments.
NOW 1/2
Matter ResolvedRequest
Adjourment
2033/27/2024 10:00 am24-10376 / MBKAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledContinued
5/8/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 3/12/2024 (JMA)

1) 341 not held, not rescheduled
2) Santander Bank (Brock & Scott) objection to confirmation - need to resolve
-loan modification is speculative
-loan modification not offered
-pre-petition arrears $230,308.80
Matter ResolvedRequest
Adjourment
2043/27/2024 10:00 am24-10483 / MBKKevin C. Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $2,935.00
3/25/24(mk):Updated

**CAN REC CONFIRM AT $885 x 36 Begin 2/1/24 BASE .Landlord, Liralba Management to be paid on claim #2-1 an 18 mo cure for the rent arrears. Trustee is authorized to pay secured claim #1-1 NJ MOTOR VEHICLE COMMISSION/NJSVS in the amount of $2,341.02 through the plan **


3/22 LL claim filed 9800- will update notes buy need answer to #2

As of 3/20/24(mk): email to atty

>>waiting for LL to file claim bar date 3/28

1. Limited obj by Landlord, Liralba Management LLC( Gorski):
- as long as arrears are cure in 1st 18 mos are ok w/ conf

2. Secure claim filed by NJ Motor Vehicles 2,341.02- OK TO PAY?

Plan:$885 X 36; BASE
2/2 payments
Matter ResolvedRequest
Adjourment
2053/27/2024 10:00 am24-10510 / MBKPaul H. Young, Esq.Confirmation Hearing ScheduledContinued
5/8/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $400.00  
issues as of 3/12/2024 (JMA) - 341 reschedule for 4/25/2024 - atty will appear and request adjournment

1) 341 not held, not rescheduled documents for 341 not provided
2) Not current with Trustee plan payments, arrears $400
3) Nationstar Mortgage LLC (Frenkel Lambert) objection to confirmation - need to resolve
-plan does not cure arrears
4) Need to file Pre-Confirmation Certification wtih Court
Matter ResolvedRequest
Adjourment
2063/27/2024 10:00 am24-10526 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
5/8/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 3/21/2024 (at):

1. Objection filed by Wells Fargo Bank (Powers Kirn) - plan list creditor in part 4f as unaffected and in part 4g as claim to be paid in full. Treatment is unclear.
(UNRSOLVED)

2. Trustee's objection:
- The debtor has failed to file a feasible plan - tax claims are much higher and will
require a much higher Trustee payment, estimated $2,600.
- A copy of the homeowner's insurance renewal declaration - for 205 Bloomfield Ave
property (updated) (GOOD THROUGH 4/1/2024)
- A Modified Plan that removes Pro Build Company from Part 4 g, due to being on Motions to avoid on Part 7a and 7b. (MOD PLAN NOT FILED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- The debtor has failed to provide proof of service with respect to Plan Motion (s). (CERT OF SERVICE NOT FILED)
- Must resolve IRS estimated tax claim. (STILL ESTIMATED)
- Must file Pre-confirmation certificate. (NOT FILED)

RESOLVED ISSUES:
- Homeowner insurance page 8 list insurance for jewelry valued $9,550. Schedule B has jewelry (chains, rings and watches) $800. There would be $7,675 NE equity in jewelry, after using full d(4) exemption. (LANGUAGE ADDED)
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - for 2023. (LANGUAGE ADDED)

Plan proposes: $829.02 x 60 beginning 2/1/2024, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
2073/27/2024 10:00 am24-10541 / MBKDavid E. Shaver, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 3 required payments   Arrears: $0  

NS
3/25/24(mk):updated

NO PAYMENTS (0/2) ARREARS 1,732

341 now on for 4/25/24
Matter ResolvedRequest
Adjourment
2083/27/2024 10:00 am24-10590 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 1 of 3 required payments   Arrears: $0  

NS
AS OF 3/25/2024 (at):

1. 341 is scheduled for 4/18/2024.
2. 0/2, arrears $2,534
Matter ResolvedRequest
Adjourment
2093/27/2024 10:00 am24-10980 / MBKDavid A. Semanchik, Esq.Confirmation Hearing ScheduledContinued
4/24/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

As of 3/26/24 (DS): Debtor atty req adj and provided proof of payment made via TFS $1,100 for 3/23 and 2nd 4/22/24 and proof of homeowner insurance, 341 sched 4/4/24
Matter ResolvedRequest
Adjourment
2103/27/2024 10:00 am24-11209 / MBKPRO SEConfirmation Hearing ScheduledDeniedDebtor has made 2 of 2 required payments   Arrears: $0  

updated 3/25/2024 (JMA) - pro se debtor filed modified plan scheduled for 4/24/2024, has not requested adjournment request to date.
updated 3/15/2024 (JMA)
issues as of 3/12/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income.
- The debtor has failed to supply the Trustee with the following document (s): A copy of the last filed tax return - Need Tax Declaration Form.
- A Modified Plan that marks off Part 5a of plan unsecured creditors.
- The debtor has undertaken an improper use of exemption. Specifically: The Trustee objects to the 522(b)(3)(B) exemption taken on the Pebble Lane property.
- 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 $70,479 equity in real estate.
- Must file Pre-confirmation certificate.
2) No Trustee plan payments to date, arrears $1,424.72
3) No claims filed to date

proposed plan $1,424.72x60
paid in $0
arrears $1,424.72
no claims filed to date
Matter ResolvedRequest
Adjourment
2113/27/2024 2:00 pm20-21241 / MBKLee M. Perlman, Esq.Motion CompensationGrantedTotal Paid In: $70,840.00
Matter ResolvedRequest
Adjourment
2123/27/2024 2:00 pm22-11007 / MBKThomas G. Egner, Esq.Motion CompensationGrantedTotal Paid In: $25,121.00
Matter ResolvedRequest
Adjourment
2133/27/2024 2:00 pm22-14201 / MBKLee M. Perlman, Esq.Motion CompensationGrantedTotal Paid In: $14,181.00
Matter ResolvedRequest
Adjourment
2143/27/2024 2:00 pm22-15342 / MBKMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $23,547.00
Matter ResolvedRequest
Adjourment
2153/27/2024 2:00 pm23-12468 / MBKRobert Cameron Legg, Esq.Motion CompensationGrantedTotal Paid In: $2,250.00
Matter ResolvedRequest
Adjourment
2163/27/2024 2:00 pm23-15155 / MBKJonathan Goldsmith-Cohen, Esq.Motion CompensationGrantedTotal Paid In: $16,785.00
Matter ResolvedRequest
Adjourment
2173/27/2024 2:00 pm23-16972 / MBKJonathan Goldsmith-Cohen, Esq.Motion CompensationGrantedTotal Paid In: $20,532.00
Matter ResolvedRequest
Adjourment
2183/27/2024 2:00 pm23-17305 / MBKJonathan Goldsmith-Cohen, Esq.Motion CompensationGrantedTotal Paid In: $12,111.00
Matter ResolvedRequest
Adjourment
2193/27/2024 2:00 pm23-21518 / MBKCarrie J. Boyle, Esq.Motion CompensationOrder to be SubmittedTotal Paid In: $120.00
Tr obj
Matter ResolvedRequest
Adjourment
2203/27/2024 2:30 pm22-17996 / MBKPeter E. Zimnis, Esq.AP Hearing Scheduled (Document)Continued
5/8/2024 2:30 pm
Total Paid In: $1,700.00
AP 23-10001 E.G.R.LLLP VS. KELLY -- STATUS CONFERENCE
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes