Judge Michael B. Kaplan
Hearing Date: 4/14/2020
Hearing Count: 199
Last Updated: 04-07-2020 07:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
164/14/2020 9:00 am15-12305 / MBKEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues : ObjectionsTotal Paid In: $15,576.00
3/24 AMT: Clm has been adjusted. Atty filed fee app to be pd in plan - there are insufficient FOH to pay and plan is expired<<<>>>

Debtor obj<>FAILED TO ADDRESS NATIONSTAR CLM #2-1 BY 9/9/10 (POST LM); ARREARS
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am15-24004 / MBKSTEVEN J ABELSON, ESQCreditor Certification of DefaultNeeds Resolution of Issues : ObjectionsTotal Paid In: $41,077.00
US BANK (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
54/14/2020 9:00 am15-27848 / MBKPATRICK MOSCATELLO, ESQCreditor Certification of DefaultNeeds Resolution of Issues : ObjectionsTotal Paid In: $43,436.00
PARKVIEW VILLAGE CONDO (Faro) ( TR ARREARS)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am15-27931 / MBKTHOMAS J ORR ESQTrustee Certification of DefaultNeeds Resolution of Issues : ObjectionsTotal Paid In: $27,351.00
Debtor obj<>
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am16-11330 / MBKSCOTT E KAPLAN ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $43,196.00
MP is honor roll

AMT: MP 4/14<><<>>>

>>>MBK CASE<<< debtor appearing by Tele?

3/13/20(mk): MP filed (#98) on 3/12/20. No hearing date yet. Filed Opp'n to motion (#100).

SV/US BANK #5-2/7-1; CONSENT ORDER DOC #73 ADDED APPX $13,000 ARREARS TO THE PLAN AND DEBTOR HAS NOT ADDRESSED FEASIBILITY
Matter ResolvedRequest
Adjourment
134/14/2020 9:00 am16-13842 / MBKJOHN ZIMNIS, ESQTrustee Certification of DefaultWithdrawnTotal Paid In: $14,425.00
4/6 AMT: ARREARS CURED/WILL COMPLETE TIMELY<<<>>>

***atty mailed about $400 a week ago and debtor dropped off $3,000 on 2/17/20 - adj to 4/14/20***

Debtor obj, will send pymt
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am16-19302 / MBKCANDYCE I SMITH-SKLAR, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues : ObjectionsTotal Paid In: $10,681.00
Debtor obj, filing MP<>FEASIBILITY
Matter ResolvedRequest
Adjourment
264/14/2020 9:00 am16-24171 / MBKDavid L. Stevens Trustee Certification of DefaultNeeds Resolution of Issues : ObjectionsTotal Paid In: $62,682.00
Debtor obj, will be current before hearing
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am16-30179 / MBKWARREN BRUMEL, ESQMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledTotal Paid In: $45,533.00
MTN TO EXPUNGE CLM #8 (POST LM)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am17-22128 / MBKLEONARD R BOYERMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $13,600.00
FAILED TO FILE AMD I/J AMD MP PER LM ORDER TO ADDRESS 100% FEASIBILITY
Matter ResolvedRequest
Adjourment
354/14/2020 9:00 am17-22297 / MBKJOSEPH CASELLO ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues : ObjectionsTotal Paid In: $16,000.00
-is now trying to get LM adj for 30 days EDC

Debtor obj, has sale contract<>SV/BANK OF NY #6-1; FAILED TO SELL ABERDEEN PPTY BY 6/30/19
Matter ResolvedRequest
Adjourment
134/14/2020 9:00 am17-22950 / MBKBRUCE C TRUESDALE ESQMotion Relief from Stay (Fee)Needs Resolution of Issues : ObjectionsTotal Paid In: $18,151.00
Debtor obj<>BSI FINC (FRIEDMAN)
Matter ResolvedRequest
Adjourment
314/14/2020 9:00 am17-28424 / MBKDaniel Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues : ObjectionsTotal Paid In: $15,500.00
ADJ FOR AMNED C TO REMOVE D1 ON HOUSE AND ADD D5 ON BK ACCT AND MP TO PAY MIN BASE CALC ON TH
Straffi to contact Al
Debtor obj<>ATTY DISCLOSURE $5,000 PD OUTSIDE IN EXCESS OF ALLOWED 'NO LOOK' (FEE APP DOC #58 WAS W/D); CONFIRMED POT OF $30,000 INSUFFICIENT TO COVER GUC MINIMUM OF $39,193
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am17-28433 / MBKJustin M. Gillman, Esq.Trustee Certification of DefaultNeeds Resolution of Issues : ObjectionsTotal Paid In: $4,820.00
Debtor obj<<>>
Matter ResolvedRequest
Adjourment
344/14/2020 9:00 am17-30537 / MBKROBERT C NISENSON ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues : ObjectionsTotal Paid In: $53,326.00
AMT: MP 4/8***RECOMMEND DENIAL***<<<>>>


MP filed 3/2/20
Debtor obj, filing MP<>SV/WILMINGTON #7-1; ARREARS
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am17-33770 / MBKGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $7,588.00
amt: clm mtn 4/14<<<>>>
FAILED TO MOVE AGAINST US BANK #3-1 TO AMEND TO $0 PRE PET ARREARS/POST LM
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am17-33770 / MBKGeorge E Veitengruber IIIMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledTotal Paid In: $7,588.00
MTN TO DISALLOW U.S. BANK #3-1 (post LM)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am17-34456 / MBKWilliam H. Oliver, Jr., Esq.Motion Reinstate Stay3rd Party MatterTotal Paid In: $22,901.00
(amt: MFR was granted on 3/17, but minutes amended to reschedule hearing to 4/14. Mtn to reinstate stay filed 3/19 was premature and moot. )

MTN TO REINSTATE STAY/WILMINGTON SAVINGS
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am17-34456 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues : ObjectionsTotal Paid In: $22,901.00
(AMT: LM WAS DUE 7/4/18; LOSS MIT EXPIRED 1/4/20 - WHAT IS STATUS OF LM?)<<<>>>
Debtor obj<>WILMINGTON SAVINGS (PHELAN)
Matter ResolvedRequest
Adjourment
454/14/2020 9:00 am18-10870 / MBKAvram D White Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $4,180.00
Filed adj request--one week adjournment granted to 4/14- no payments since December, no loan mod and no filed opposition EDC

FAILED TO LM BY 12/31/19; ARREARS
Matter ResolvedRequest
Adjourment
424/14/2020 9:00 am18-13192 / MBKEUGENE ROTH, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues : ObjectionsTotal Paid In: $4,700.00
***RAS is filing the motion to approve Loan Mod - adj to 4/14/20***
-trial mod should be done by 8/1 EDC
Debtor obj, pending mtn to approve<<<>>FAILED TO LM BY 12/27/18
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am18-13338 / MBKMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues : ObjectionsTotal Paid In: $4,764.00
***11/6 AMT: Loss Mit now ext to 3/30/20***


Debtor obj<>FAILED TO LM WITH SANTANDER #1-1 BY 8/31/18; EXTENDED LOSS MIT EXPIRED 12/31/18
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am18-14170 / MBKWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $9,399.00
(AMT: Atty does not oppose dismissal)<<>>

SV/US BANK #8-1; ARREARS
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am18-15347 / MBKHENRY CHUDZIK, JR.Motion Motion (Generic) - Only use if no other event is applicableNeeds Resolution of Issues : ObjectionsTotal Paid In: $13,320.00
to allow post petition claim---AMT: Proposed order for POC #7-1 ($475.98) plus subsequent debt; will need recap if allowed<<<>>>

Debtor obj<>OLD BRIDGE MUA MTN TO ALLOW PP SECURED CLAIM $1,431.51 TO BE PD IN PLAN (Scarinci)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am18-17773 / MBKBRUCE C TRUESDALE ESQMotion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $12,305.00
TOYOTA MOTOR (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
494/14/2020 9:00 am18-19293 / MBKROBERT C NISENSON ESQTrustee Certification of DefaultNeeds Resolution of Issues : ObjectionsTotal Paid In: $20,601.00
Debtor obj, will be current before hearing
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am18-20299 / MBKKevin Fayette, EsqMotion Relief from Stay (Fee)Needs Resolution of Issues : ObjectionsTotal Paid In: $23,675.00
SOCIETY HILL CONDO (MCGOVERN LEGAL)
Matter ResolvedRequest
Adjourment
324/14/2020 9:00 am18-21209 / MBKEric ClaymanMotion Relief from Stay (Fee)Needs Resolution of Issues : ObjectionsTotal Paid In: $5,900.00
Debtor obj<>SN SERVICING (FRIEDMAN)
Matter ResolvedRequest
Adjourment
334/14/2020 9:00 am18-22236 / MBKDAVID G BESLOW, ESQMotion Relief from Co-Debtor StayNeeds Resolution of Issues : ObjectionsTotal Paid In: $4,200.00
Debtor obj<>SELENE FINANCE (STERN LAVINTHAL)
Matter ResolvedRequest
Adjourment
564/14/2020 9:00 am18-23067 / MBKBrian Gregory HannonMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $102,280.00
4/2 AMT: $43,500 received in office; forwarding to lock box/pending posting<<<>>>


AR EMAIL SENT TO LEBRON CHASE IS RETURNING $
IF DEBTOR PAYS BY 2-28 OK TO ADJ PENDING RECEIPT OF FUNDS BY CHASE
Debtor obj, $43,500 pd to Chase in error/Chase to turn over funds to Trustee & debtor to pay balance of $12,655 by 2/28<>FAILED TO SUBMIT $56,155 LUMP SUM BY 1/1/2020
Matter ResolvedRequest
Adjourment
574/14/2020 9:00 am18-23067 / MBKBrian Gregory HannonCreditor Certification of DefaultNeeds Resolution of Issues : ObjectionsTotal Paid In: $102,280.00
JP MORGAN (Fein, Such)(TR ARREARS $56,855)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am18-23071 / MBKVERA FEDOROFFTrustee Certification of DefaultNeeds Resolution of Issues : ObjectionsTotal Paid In: $8,598.00
Debtor obj<>
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am18-23325 / MBKSCOTT D SHERMAN ESQMotion Requesting RedactionNeeds Resolution of Issues : ObjectionsTotal Paid In: $1,992.00
CITIBANK MTN FOR REDACTION
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am18-23454 / MBKROBERT C NISENSON ESQHearing Scheduled (Document)Needs Resolution of Issues : ObjectionsTotal Paid In: $5,570.00
GOVERNERS POINT VILLAGE (CUTOLO)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am18-24226 / MBKJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $17,500.00
LOANCARE (PHELAN)
Matter ResolvedRequest
Adjourment
634/14/2020 9:00 am18-24546 / MBKJAMES J CERBONE, ESQMotion Relief from Stay (Fee)Needs Resolution of Issues : ObjectionsTotal Paid In: $14,832.00
Debtor obj<>LAKEVIEW LOAN SERVICING (MCCABE)
Matter ResolvedRequest
Adjourment
384/14/2020 9:00 am18-25055 / MBKLEE M PERLMAN, ESQMotion Relief from Stay (Fee)Needs Resolution of Issues : ObjectionsTotal Paid In: $5,960.00
***Amy appears - NA by Schiller - ADJ 4/14/20***
Debtor obj<>LAKEVIEW LOAN SERVICING (SCHILLER, KNAPP)
Matter ResolvedRequest
Adjourment
754/14/2020 9:00 am18-25706 / MBKWARREN LEVYMotion Expunge Claims/Reduce Claims/Modify Claims/Object To3rd Party MatterTotal Paid In: $76,000.00
8/19 AMT: Proposed order does not specify classification of reduced claim<<>>>
MTN TO MODIFY NJ CLM #9 FROM $37,800.09 TO $7,955.91
Matter ResolvedRequest
Adjourment
764/14/2020 9:00 am18-25706 / MBKWARREN LEVYMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues : ObjectionsTotal Paid In: $76,000.00
Debtor obj, process of filing returns<<>>FAILED TO ADDRESS ESTIMATED TAX CLM/NJ DIV OF TAX #9-1 BY 12/13/18
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am18-27056 / MBKJAMES J CERBONE, ESQMotion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $14,098.00
HYUNDAI LEASE (MORTON)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am18-27530 / MBKSTEPHEN M GOLDBERG, ESQMotion SellNo Opposition FiledTotal Paid In: $5,670.00
113 LAMINGTON RD
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am18-30080 / MBKJOHN ZIMNIS, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $6,000.00
FAILED TO LM BY 12/1/19; ARREARS
Matter ResolvedRequest
Adjourment
724/14/2020 9:00 am18-31078 / MBKJAY A WEINBERG, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues : ObjectionsTotal Paid In: $10,350.00
3/11/20(mk): FYI Opp'n filed by debtor at #46. Atty cert says: says current & lender provided new LM application and debtor will be applying for same.

Failed to LM BY 1/7/20 - Loss Mit has not been extended; ARREARS (current)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am18-31998 / MBKMelinda D Middlebrooks, EsqMotion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTotal Paid In: $8,905.00
MTN TO APPROVE PP FINC
Matter ResolvedRequest
Adjourment
884/14/2020 9:00 am18-32038 / MBKLAURENCE R SHELLER, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $6,400.00
FAILED TO LM BY 8/1/19
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am18-32337 / MBKJAMES J CERBONE, ESQMotion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $12,380.00
SELENE FINANCE (FRIEDMAN)
Matter ResolvedRequest
Adjourment
764/14/2020 9:00 am19-10923 / MBKDONALD C GOINS, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues : ObjectionsTotal Paid In: $3,404.00
AMT: MP 4/8*** NEEDS RESOLUTION***<<>>>

Debtor obj, filing MP (Conf 3/3/20 - WITHDRAWN)<>FAILED TO LM BY 7/30/19
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-11256 / MBKWilliam H. Oliver, Jr., Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledTotal Paid In: $6,000.00
MTN TO MODIFY CLAIM $16-1 TO ZERO (post LM)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-12927 / MBKLEE M PERLMAN, ESQMotion File Claim After Claims Bar DateNo Opposition FiledTotal Paid In: $7,423.00
MTN TO PAY LATE FILED CLM #8-1/DSHC ENTERPRISES IN PLAN
Matter ResolvedRequest
Adjourment
544/14/2020 9:00 am19-14886 / MBKGEORGETTE MILLERMotion Relief from Stay (Fee)Needs Resolution of Issues : ObjectionsTotal Paid In: $5,076.00
Debtor obj<>NEWREZ/SHELLPOINT (HILL WALLACK)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-14984 / MBKSTEPHANIE RITIGSTEINTrustee Certification of DefaultNeeds Resolution of Issues : ObjectionsTotal Paid In: $10,698.00
Trustee obj, can pay before 3/30
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-15928 / MBKWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues : ObjectionsTotal Paid In: $6,897.00
AMT: MP 4/14<<<<>>>>
Debtor obj, filing MP<>FAILED TO OBTAIN LM BY 12/31/19
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-16626 / MBKBRIAN W HOFMEISTERMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues : ObjectionsTotal Paid In: $4,695.00
AMT: MP 4/14<<<>>>
Debtor obj<>FAILED TO LM BY 8/31/19
Matter ResolvedRequest
Adjourment
614/14/2020 9:00 am19-17410 / MBKROBERT BRAVERMANMotion Relief from Stay (Fee)Needs Resolution of Issues : ObjectionsTotal Paid In: $3,093.00
***Clerk Notice of Fees Due - Doc #24***

Debtor obj<>M&T BANK (SCHILLER, KNAPP, LEFKOWITZ)
Matter ResolvedRequest
Adjourment
624/14/2020 9:00 am19-17465 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues : ObjectionsTotal Paid In: $3,851.00
Debtor obj<>SELENE (FRIEDMAN)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-19756 / MBKADOLPH P SICHERI, ESQMotion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $16,176.00
SELECT PORTFOLIO (FEIN)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-20391 / MBKEdward Hanratty, Esq.Motion Motion (Generic) - Only use if no other event is applicable3rd Party MatterTotal Paid In: $6,396.00
MTN TO TEMPORARILY SUSPEND PAYMENT
Matter ResolvedRequest
Adjourment
1084/14/2020 9:00 am19-20444 / MBKROBERT C NISENSON ESQMotion Relief from Stay (Fee)Needs Resolution of Issues : ObjectionsTotal Paid In: $2,000.00
RE-LISTED- 10/23/19 hearing was OTBS; Order doc #33 entered 11/14/19<<<<>>>>

Debtor obj<<<>>>WELLS FARGO BANK (PHELAN)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-21021 / MBKJAMES J CERBONE, ESQMotion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $2,452.00
SANTANDER CONSUMER (MORTON)
Matter ResolvedRequest
Adjourment
974/14/2020 9:00 am19-21344 / MBKSTEPHANIE RITIGSTEINMotion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $4,300.00
WELLS FARGO BANK (PHELAN)
Matter ResolvedRequest
Adjourment
1134/14/2020 9:00 am19-24097 / MBKEdward Hanratty, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues : ObjectionsTotal Paid In: $2,982.00
Debtor obj<>TOYOTA MOTOR (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
1034/14/2020 9:00 am19-24530 / MBKJAMES J CERBONE, ESQMotion Relief from Stay (Fee)Needs Resolution of Issues : Objections
Debtor obj<>JPMORGAN CHASE (RAS)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-25096 / MBKWARREN LEVYMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition Filed
MTN TO REDUCE US BANK PCO #12-1 TO $31,597.75
Matter ResolvedRequest
Adjourment
754/14/2020 9:00 am19-26713 / MBKRUSSELL L LOW, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues : Objections
mp by 4-14 needs to be on at 2pm-low to set up court call EDC

-adj denied - MP was to be filed way back on 1/11 but still hasn't been filed EDC

AR CLAIMS MOTION ON FOR 3-31 BUT STILL NEED MP BECAUSE PLAN WAS DENIED
Debtor obj, filled clm mtn<> PLAN WAS DENIED ON 12/11/19; DEBTOR FAILED TO FILE A FEASIBLE PLAN BEFORE 1/11/2020
Matter ResolvedRequest
Adjourment
1294/14/2020 9:00 am19-28529 / MBKEdward Hanratty, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition Filed
Adj to 4/14/20
MTN RE TERMS OF LOAN MOD TRIAL PERIOD
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-29460 / MBKJOAN S. WARREN, ESQ.Motion Relief from Stay (Fee)Needs Resolution of Issues : ObjectionsTotal Paid In: $1,090.00
Debtor obj<>HARLEY-DAVIDSON (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-29533 / MBKPETER E ZIMNIS, ESQMotion Relief from Stay (Fee)No Opposition Filed
PHH MTG (RAS)
Matter ResolvedRequest
Adjourment
1204/14/2020 9:00 am19-30337 / MBKPETER E ZIMNIS, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues : Objections
AMT: MP 4/14 *** SUBJECT TO TERMS****
Debtor obj<>ARREARS; TRUSTEE REQUESTS 180 DAY BAR DUE TO 9 BK FILINGS IN 9 YEARS
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-30455 / MBKJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $1,965.00
SPECIALIZED LOAN (KML)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-31841 / MBKSTEPHEN M GOLDBERG, ESQMotion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $5,200.00
LAKEVIEW LOAN SERVICING (FEIN)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-32077 / MBKMarc C. Capone, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledTotal Paid In: $8,625.00
MODIFY POC 23-1 TO PART SECURED PART UNSECURED
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am19-33262 / MBKSTEVEN J ABELSON, ESQMotion Relief from Stay (Fee)No Opposition Filed
REGIONAL ACCEPTANCE (BERNSTEIN-BURKLEY)
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am20-12057 / MBKEdward Hanratty, Esq.Motion Motion (Generic) - Only use if no other event is applicableNeeds Resolution of Issues : Objections
MTN SUSPEND PAYMENTS - Trustee limited obj to proposed order.
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am20-12188 / MBKSTEPHANIE RITIGSTEINMotion Relief from Stay (Fee)No Opposition Filed
CITIZENS BANK (GELLERT SCALI BUSENKELL)
Matter ResolvedRequest
Adjourment
1384/14/2020 9:00 am20-12513 / MBKAllen I. Gorski, Esq.Motion Cross MotionNeeds Resolution of Issues : Objections
court call

CLEARVIEW EQUITIES CROSS MTN FOR STAY RELIEF ( Rubin) - opposition filed
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am20-12528 / MBKDaniel Straffi, Esq.Notice of Request for Loss MitigationNo Opposition Filed
REQUEST FOR LOSS MITIGATION
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am20-14433 / MBKROBERT C NISENSON ESQOrder Shorten TimeNeeds Resolution of Issues : Objections
BSI obj (Friedman Vartolo)<>MTN TO CONTINUE STAY/OST
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am20-14522 / MBKJohn Joseph LoSordo Motion Extend TimeNo Opposition Filed
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am20-14578 / MBKAndrew Thomas Archer Motion Extend TimeNo Opposition Filed
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
04/14/2020 9:00 am20-14738 / MBKJAMES J CERBONE, ESQMotion Motion (Generic) - Only use if no other event is applicableNo Opposition Filed
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am16-11330 / MBKSCOTT E KAPLAN ESQConfirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 25 of 51 required payments   Arrears: $1,700.00  Total Paid In: $43,196.00
CAN CONFIRM AT: **** $41,496 paid then 1572 x 9 beg 5/1/20

4/1 workup for the 4/14 calendar EDC
-CNP for adding $13,000 in arrears to Apex
-2 payments arrears. Plan was modified once already last September to add post pet mortgage arrears

Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am18-16319 / MBKPATRICK MOSCATELLO, ESQConfirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 24 of 25 required payments   Arrears: $547.00  Total Paid In: $13,128.00
AS OF 4/7/20 (SF)

RECOMMEND $13,128 PTD, $547 X 35 (BEGIN 5/1/20) BASE W/MIN $5435 TO GUCS

Note: Previous plan was confirmed with min dividend of $5435 to gucs per equity in real estate

MP proposes $547 x 37 0%
Plan has run 25 months with 35 months remaining

Matter ResolvedRequest
Adjourment
1004/14/2020 10:00 am18-25380 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 20 required payments   Arrears: $7,576.00  Total Paid In: $3,600.00
4/1 workup for the 4/14 calendar EDC
3600 paid to date then $200 x 17 beg 4/1/20 min of $2184 to unsecured--reduce balance of attorney fees to $500 per AR

***ADJ BY MBK TO 4/14/20 FOR WORK-UP AT CASE RESET NUMBERS AND REDUCTION OF ATTY FEE BALANCE TO $500***
2/21 workup for the 3/3 calendar EDC-9 payments arrears-MP excuses arrears

-CNP on for 3/3/20 by trustee-failed to get loan mod by 7/31/19 (LM GRANTED)
- debtors have large arrears of 9 payments
-plan lowers payments from $752 to $200. Filed amended J but did not supply updated proof of income, social security and 2019 tax refund information (only sent pension info which is the same)
-Chase has motion for stay for Nissan Pathfinder


3200 paid then 200 x 19 beg 2/1/20
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am18-28481 / MBKDOUGLAS G. MITCHELLConfirmation Hearing on Modified PlanWithdrawnDebtor has made 14 of 19 required payments   Arrears: $2,730.00  Total Paid In: $7,545.00
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am18-32478 / MBKWILLIAM S WOLFSON, ESQConfirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 89 of 17 required payments   Arrears: $0  
Total Paid In: $27,513.00
as of 4/7/2020

*****ok to confirm at $27,513.25 paid to date, $308x27 begin 5/1/2020 100% plan *****

proposed plan $308x27 100% plan
paid in $27,513.25
extend plan to 44 months
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am18-33912 / MBKMAUREEN VELLAConfirmation Hearing on Modified PlanNeeds Resolution of Issues : ObjectionsDebtor has made 11 of 16 required payments   Arrears: $4,374.00  Total Paid In: $24,209.00
ISSUES AS OF 4/7/2020 (DM):

1) Trustee OBJ:
- The formal motion and order attached to the MP should be stricken.
- Need updated proof of income excluding rent agreement which is attached to MP.
- Need 2019 tax return.


Confirmed Case: $1,220 Ptd, $2,172 x 56 start 5/1/19, Base Plan
Prop. MP: Ptd, $1,269 x 47 start 3/1/20, Base Plan, Trial Mod received
PTD = $24,209
Last Claim (3-2) dated 3/4/19
Matter ResolvedRequest
Adjourment
2094/14/2020 10:00 am19-12927 / MBKLEE M PERLMAN, ESQConfirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 13 of 14 required payments   Arrears: $571.00  Total Paid In: $7,423.00
3/31 workup for the 4/14 calendar EDC
Per below: CAN CONFIRM at: $7423 paid then 1148 x 47 beg 4/1/20- min of $87,200 to unsecured-student loans outside

2/3 workup for the 2/18 calendar

trustee obj---The Plan must remain at 100% based upon non-exempt equity in real estate and the amount of
timely filed unsecured claims. MP reduces gucs to only $4583 but it was originally confirmed with $139k min. due to equity. Even if we add tax sale cert there is $87,200 in equity. Either way there are less than $2000 in guc filed claimed so it needs 100%
-need to use trustee order of distribution
-MP includes payment to DSJC Enterprises as secured on the home. Where did this come from? No claim was filed so it cannot be paid
ATTY TO FILE POC AND MOTION TO ALLOW

MP proposes--- paid to date then 984 x 50 beg 1/1/20 min $4583.26 to gucs
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am19-15928 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 13 of 13 required payments   Arrears: $0  
Total Paid In: $6,897.00
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am19-16626 / MBKBRIAN W HOFMEISTERConfirmation Hearing on Modified PlanPending WorkupDebtor has made 11 of 12 required payments   Arrears: $1.00  Total Paid In: $4,695.00
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am19-17554 / MBKDemetrius J. Parrish Jr.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 8 of 12 required payments   Arrears: $546.00  
4/1 workup for the 4/14 calendar EDC
GORSKI APPEARS FOR HOA - MP resolves Goski's objection - ADJ to 4/14/20 Peremptory***

**Funds came in but still 3 payments arrears-----(has had arrears last few times on for confirmation)
-MP has $2800 att fees but pay record only shows $2500. Need to file fee app for difference
-MP does not fill out part 9 as to why plan being modified
-case is 12 months old and now wants another 12 months to do loan mod-
Obj to POC # 7 is resolved OTBS per October-where is the order? - Atty needs to file a MP to treat the OTBS - (WAS TO RESOLVE LAST TIME ON 12/17)
-South Fork at Ewing HOA obj to cram. Obj must be resolved.(OK WITH MP)
-BELOW ISSUES NOT RESOLVED, NOTHING DONE SINCE OCTOBER
>> Trustee obj to the following:
- Need current market analysis, document provided fails to show dates of sales or the average value and 2018 Tax Return.(NOT DONE)
- Need service on motions in plan.(NOT DONE)
- 22c has disposable income, includes arrears to Lakeview but is doinng loan mod

3. Lakeview obj to original plan proposing less arrears, POC filed $23,605.76 arrears. -no obj to MP filed

4. Must file Pre-confirmation certificate. NOT DONE

Prop Plan $149.16 x 60 Base
Matter ResolvedRequest
Adjourment
2154/14/2020 10:00 am19-19004 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 7 of 11 required payments   Arrears: $2,248.00  
ISSUES AS OF 4/7/2020 (DM):

1) Santander (MORTON) OBJs to cram of 2013 Toyota Camry (UNRESOLVED).

2) Trustee OBJ:
- Debtor has insufficient income.
- Need proof of income for all jobs (RECEIVED).
- Need 2019 Form 1099 for Door Dash income (RECEIVED).
- Need proof of insurance policy benefit from father's estate (UNRESOLVED).
- Need March 2019 and April 2019 bank statements (UNRESOLVED).
- Amend Sch J to remove rent (UNRESOLVED).
- Order of Distribution departs from Trustee standard.
- Pre-Confirmation Certification (UNRESOLVED).


Prop. Plan $565 x 46, 0% Plan
PTD 7/11 = $3,886.52
Last Claim (9-1)
Matter ResolvedRequest
Adjourment
2244/14/2020 10:00 am19-21117 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 8 of 10 required payments   Arrears: $1,000.00  
ISSUES AS OF 3/7/20 (DM): Debtors still not paying in agreed disposable income amount - RECOMMEND DISMISSAL

 3/25/20 - Toyota Motor Credit obtained stay relief on 2019 Toyota Highlander (ADD SURRENDER TO CONF ORDER??)

 1/27/2019 (DM): Need result of valuation hearing. Also, debtors not paying $1,750 amount per agreement with Trustee.

***Elite Construction objection includes a request for a valuation hearing (LENDER APPRAISAL BY 1/4/20 - FILED AS DOC #33 ON 1/21/20). Also, Trustee disposable income objection is not resolved (AR, RESOLVED $1,750 X 60), and need to know why debtors are not at least paying in their $1,680 scheduled disposable income***

 12/13/19 - INTERIM SCHEDULING ORDER ENTERED.

1) TD Bank (SCHILLER) OBJs - $5,930.51 arrears (CO ENTERED).

2) Elite Construction Corp (Edward Paul, Esq) OBJs to confirmation - real estate is undervalued (UNRESOLVED).

3) Wells Fargo/Value City filed $2,119.04 secured claim for furniture not treated in plan (ADD TO CONF ORDER?? - AR, PER ATTY PAY)

4) OneMain Financial filed $1,428.43 arrears claim for 2011 Honda Odyssey not treated in the plan (POC AMENDED FOR DEFICIENCY BALANCE AFTER REPO).

5) Trustee OBJ:
- Need a copy of 2018 tax return - received transcripts (AR, TRANSCRIPT OKAY).
- Need a copy of the homeowner's insurance renewal declaration (RECEIVED).
- Excessive Expenses: $610 cable/internet/phone, $800 childcare (Cert indicates mother is paid $200 per week), $15 boat insurance, $87.50 boat slip, $785 car payment, $500 sister's college allowance (AR, RESOLVED $1,750 X 60).
- Income for co-debtor verifies higher ($4,088) than scheduled ($3,746) resulting in $2,016 monthly disposable income. Also, debtor not devoting scheduled disposable income to the plan.
- Debtor atty must arrange for co-debtor to appear at 341 or move to sever case (COMPLETED - OK).
- Need to file Pre-Confirmation Certification (FILED).


Prop. Plan $500 x 60, Base Plan, Student Loans outside
PTD 8/10 = $4,000
Last Claim (4-2)
Matter ResolvedRequest
Adjourment
2154/14/2020 10:00 am19-21217 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 8 of 10 required payments   Arrears: $200.00  
3/31 workup for the 4/14 calendar EDC
NJ amended. Agreed to compromise regarding trustee objection and CONFIRM at $800 paid then $255 x 51 remaining beg 4/1/20 pro rata-student loans outside

(((payment is $5 higher because of arrears)))

Remaining issues:
-estimated NJ still for 2018
RETURN FILED AND NJ WORKING ON APOC
-income higher from tax refund. Can compromise at $250 going forward EDC
ATTY OK 250 BEG 3-1

-----------
AS OF 11/4/2019 (at):

1. Wells Fargo filed a secured claim #6 in the amount of $300 which is not in the plan. Is it ok to pay this claim? (PER ATTY, OK TO PAY)

2. JP Morgan Chase filed a secured claim #4 in the amount of $165.91 which is not in the plan. Is it ok to pay this claim? (PER ATTY, OK TO PAY)

3. NJ Division of Taxation filed an estimate claim #9 which needs to be resolved. (STILL ESTIMATED)

4. Trustee's objection:
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Excessive expenses listed on Schedule J: $550 auto payment and $400 food for 1 person
- Net income verifies higher at $426.01
The Schedules fail to account for the debtor(s) tax refund in the amount of $6155.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- File pre-confirmation certification. (FILED)
- The confirmation order must include language that provides for the turnover of all non-exempt proceeds from the personal injury claim. (LANGUAGE ADDED)

Plan proposes: $100 x 60, base
Payments: 3/4, arrears $100
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am19-22326 / MBKANDREW CARROLL, ESQ.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 6 of 10 required payments   Arrears: $1,813.00  Total Paid In: $11,126.00
4/1 workup for the 4/14 calendar EDC

-trustee obj--MP fails to include the $29,200 to unsecured due to equity--(only $22,808 if filed unsecured claims)
**TO CONFIRM IT NEEDS: $11,126 paid then 2106 x 50 beg 5/1/20-min of 29,200 to gucs
Matter ResolvedRequest
Adjourment
2214/14/2020 10:00 am19-22920 / MBKANDREW G. GREENBERG, ESQ.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 10 required payments   Arrears: $5,434.00  
ISSUES AS OF 3/7/2020 (DM):

***IRS claim has been amended but Debtor is 3 Trustee payments behind. TO CONFIRM WE NEED $7,816 PTD, THEN $2,371 x 51 STARTING 4/1/20, 100% PLAN, TRUSTEE STANDARD ORDER OF DISTRIBUTION, PRE-CONFIRMATION CERTIFICATION WITHIN 10 DAYS***

 2/20/20 AMT: INTERIM SCH ORDER TO CHAMBERS/ 7 DAY

 2/18/20 - Adj request to 4/14/20 - Peremptory.

1) IRS filed $122,177.16 amended priority claim - claim is high due to examination of 2017 tax return (AMENDED TO $5,002.65).

2) Trustee OBJ:
- Need proof of income for non-debtor spouse when he returns to work (UNRESOLVED).
- Need copy of homeowners insurance renewal (RECEIVED).
- Excessive Expenses: $870 cable/cell/internet, $930 car payment (100% PLAN).
- Income verifies higher than scheduled (100% PLAN).
- Disposable income per Form 122c is $4,437 which requires $266,220 min div (100% PLAN).
- There is $11,965 non-exempt equity in personal property (100% PLAN).
- There is $2,936 non-exempt equity in real estate (100% PLAN).
- Need to file Pre Confirmation Certification (UNRESOLVED).
- Order of Distribution departs from Trustee standard.


Prop. Plan $107 x 3, $1,847 x 57, 100% Plan
PTD 7/10 = $7,816
Last Claim (1-3)
Matter ResolvedRequest
Adjourment
2254/14/2020 10:00 am19-23998 / MBKDavid M. Taus Confirmation Hearing ScheduledIncomplete Docs / Needs Resolution of IssuesDebtor has made 4 of 4 required payments   Arrears: $806.00  
AS OF 4/7/2020 (at):

DEBTORS ARE ABOVE MEDIAN. PLAN CAN RUN 60 MONTHS. MONTHLY DISPOSABLE INCOME IS $2,783.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Amendments to Schedules Disclosure of Compensation for Chapter 13; Form 122c for Chapter 13 (NEITHER AMENDED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
-excess expenses on Schedule J $606/telephone, cell phone etc; $1,500 childcare/education - provide Certification explaining expenses with supporting documentation; $426/car insurance
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- income verified higher($10,978) than scheduled($8,487).Even if all expenses allowed monthly disposable income is $2,783 per month.Plan needs to be 100%.
- must file schedule 122C. (NOT FILED)
-attorney fees per plan will not be paid unless a new Disclosure is filed. (NOT FILED)
- must file pre conf cert. (NOT FILED)
- Add to confirming order to strike part 4a for cure to Caliber. (LANGUAGE ADDED)

Plan proposes: $161.24 x 60, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
2464/14/2020 10:00 am19-25160 / MBKSTEVEN J. SICOConfirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 8 of 8 required payments   Arrears: $0  

ISSUES AS OF 3/7/2020 (DM):

***To resolve Trustee objections and issues below, RECOMMEND CONFIRMING AT $2,147.76 PTD, THEN $500 x 52 STARTING 5/1/20, BASE PLAN WITH A $17,595 MINIMUM EQUITY DIVIDEND; ADD TO CONFIRMING ORDER: STRIKE PLAN TREATMENT OF NISSAN MOTOR ACCEPTANCE AND TREAT AS SECURED UNAFFECTED IN PART 4f, TRUSTEE TO PAY AMERICREDIT ARREARS POC (13-1) IN THE AMOUNT OF $406.33, DEBTORS 522(d)(1) EXEMPTION IS LIMITED TO $25,150, AND SYNCHRONY BANK JUDGMENT CRAMS ARE STRICKEN WITH SEPARATE MOTIONS TO BE FILED WITHIN 30 DAYS WITH PROPER SERVICE***

1) Wells Fargo (SHAPIRO) OBJs - $1,979.93 arrears (CO ENTERED).

2) Nissan filed $0 arrears claim on 2012 Nissan Sentra not treated in plan - MP mistakenly treats as a $8,197 cure through plan in Part 4c (STRIKE AND TREAT AS SECURED UNAFFECTED IN PART 4f??)

3) AmeriCredit/GM Financial filed $406.33 arrears claim on 2015 GMC Terrain not treated in plan - MP mistakenly treats as a $16,710 cure through plan in Part 4c (PAY $406.33 ARREARS PER FILED POC??)

4) Trustee OBJ:
- Tax refund of $4,510 not prorated and included in disposable income calculation ($639/MONTH DISP - AR, PER ATTY OK).
- Debtors exceeded 522(d)(1) exemption based upon sole ownership on Deed (REDUCED TO $25,150 - AR, PER ATTY OK).
- Need comps used in the CMA provided - Zillow lists property at $314,000 (CMA UPDATED).
- There may be non-exempt equity in real estate pending receipt of updated CMA (RECEIVED - EQUITY IS NOW $17,595).
- Need to serve judgment crams - Cert of Service attached to MP does not reference Transmittal Letter, nor were the Managing Agents served (UNRESOLVED).

*******************************
- Need homeowners insurance renewal on or before 1/30/20 (RECEIVED).
- Amend Form 122c - no income reported (FILED 2/3/20).
- Need statement for 401k loans (UPLOADED AS A BANK STATEMENT ON 1/29/20).
- Amend Sch B to add Chrysler Sebring (OK, NO LONGER OWNS CAR) & Chevy Colorado (FILED).
- Amend Sch B to add year, model and miles for Nissa
Matter ResolvedRequest
Adjourment
1214/14/2020 10:00 am19-25595 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 6 of 8 required payments   Arrears: $390.00  
4/2 workup for the 4/14 calendar EDC--IRS still est. and still arrears

$500 HAD WRONG CASE #/FUNDS TRANSFERRED TO THIS CASE. <<<>>>-STILL 2 P ARREARS

1. Objection filed by Santander (Morton) - value is too low and no adequate protection payments. (OTBS)
2. NJ Division of Taxation filed an estimated claim #7. (OK AMENDED)--
3. IRS still estimated -FILED AMENDED CLAIM ON 4/1 BUT STILL SAYS NO 2018 FILED

----------------------------------------
3. Trustee's objection:
The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need service on motions in plan to Santander. (OK - OBJECTION FILED)
- Must resolve IRS estimated claim 2018. (STILL ESTIMATED)

Plan proposes: $178 x 60, $0.00
Payments: 2/4, arrears $356
Matter ResolvedRequest
Adjourment
1784/14/2020 10:00 am19-25806 / MBKWARREN BRUMEL, ESQConfirmation Hearing ScheduledRecommend DismissalDebtor has made 8 of 8 required payments   Arrears: $0  

4/7 workup for the 4/14 calendar EDC
ADJ PEREMPTORY from 1/14
NJ EST CLAIM 2009 & 10 and 2014 guc

1) Not current with Trustee plan payments, arrears $1,205- NOW CURRENT
2) Trustee objection to confirmation - need to resolve
-need a Modified Plan that addresses much higher claim filed by the IRS -- NOT FILED
-need Amendments to Schedules to remove utilities/phone/internet which are paid through the business NOT FILED TO DATE
-the debtors plan consists of unnecessary or excessive expense items - $3,057.75/month mortgage payment is higher than joint monthly income
-need to resolve mortgage company objection NOT RESOLVED
-large NJ Division of Taxation secured claim $45,264.12 - need to resolve
-Fay Servicing LLC/US Bank (Friedman Vartolo) objection to confirmation - need to resolve
-arrears $39,036.42

proposed plan $1205x60 base plan
paid in $6025
last claim 26-1
Matter ResolvedRequest
Adjourment
1794/14/2020 10:00 am19-26020 / MBKGeorge E Veitengruber IIIConfirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 8 required payments   Arrears: $3,600.00  
4/2 workup for the 4/14 calendar EDC

MP & Amended I & J filed today. Debtor says now has more income that can make plan feasible. No payments have been made since February and $3600 arrears--no updated POI

As Of 2/24/20(mk):


>>>>PLAN NOT FEASIBLE WITH IRS PRIORITY CLAIM IN #1.<<<<


1. IRS Filed Secured POC $8330.63. Plan has this in priority section and they Filed $75,459.24 in priority unsecured- NOT IN PLAN.

2. Trustee Objection:
-need statement on Whole life policy showing cash surrender value.(Provided)
-plan not treat NJ Priority POC $4,458.38- MP Pays



Plan:702 x 60 Base: Lm on 374 EWINGVILLE RD by 5/1/20.
payments;6/6
last claim:10-2,Bar date:10/28/20
Matter ResolvedRequest
Adjourment
2524/14/2020 10:00 am19-26081 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 6 of 8 required payments   Arrears: $636.00  
4/3 workup for the 4/14 calendar EDC

-TRUSTEE OBJ-AMEND SCH FILED TO BE REVIEWED PEREMPTORY ----raised sch J from $2442 to $5384. Includes $1039 for transportation? $1075 for food(supporting 20 year old who no longer contributes $825)), student loans at $250 monthly but they are under F. Sch I list net at only $5725 and removes the $825 family contribution.
-updated POI shows $6840 in monthly income if take $15909 year to date as of 3/13 pay date and divide. The difference appears to be a bonus received that doesn't show on the last 4 paystubs of $2120.---Total net disposable is $1506 even without explanation regarding the missing contribution and disregarding the high food,student loans and transportation. If you add those back there is closer to $2500 in income. EDC

1/23 workup for the 2/4 calendar EDC***ADJ BY MBK TO 2/4/20***Debtor has caught up trustee payments through December. Still some arrears.THIS IS DEBTOR'S 4TH CH 13 WITHIN PAST 5 YEARS.

>>> Trustee obj still not resolved, need the following:
- Need 2 months proof of income from updated pay stubs for new job (Travel Care USA) that started in August 2019.
- Weekly proof of income averages about $1,700. Monthly income is $7,110 not $1,858. There is disposable income $5,543 monthly.

- AvalonBay Communities obj that plan failed to acknowledge the owed to Avalon, Debtor failed to list creditor as unsecured, creditor is listed on Sched F as Avalon Communities.

--------------------------------------
Atty brought evidence of payment to Court - Adj to 1/14/20

10/15/15: Atty for Creditor, AvalonBay is here (Glenn Ford Warmington, esq)

10/12/19(mk) atty email says mailed out $291 money order on 10/12. no pooof attached to email..

10/15/19 (DS): 1. Debtor in arrears $582, made no payments out of 2.

2. Trustee obj to the following:
- Need 2 months proof of income from updated pay stubs for new job (Travel Care USA) that started in August 2019.
- Weekly proof of income averages about $1,700. Monthly income i
Matter ResolvedRequest
Adjourment
2554/14/2020 10:00 am19-26873 / MBKDavid G. Esposito Confirmation Hearing ScheduledPending - Work-up in ProcessDebtor has made 6 of 7 required payments   Arrears: $1,200.00  
ISSUES AS OF 3/7/2020 (DM):

***Tax claims (#3 & #4 below) are still estimated***

 3/25/20 - amended exemptions have been disallowed for failure to include several vehicles. Technically there are no exemptions until he files a new amended Sch C (EDC).

 12/13/19 - INTERIM SCHEDULING ORDER ENTERED.

1) IRS filed $166,818.33 amended priority claim not specifically treated (OKAY TO PAY?? - Yes)

2) IRS filed $47,977.84 estimated unsecured claim (AMENDED TO $39,231.98 - OKAY).

3) State of NJ filed $28,318.19 priority claim against the debtor and $55,181.02 priority claim against the debtor dba Jay's Custom Painting LLC that includes $2,000 estimated taxes (AR, MOTION REGARDING CLAIM TO BE FILED BY 12/31/19 - atty advises that he is not filing a motion at this time b/c company is defunct).

4) State of NJ filed $72,223.45 unsecured claim against the debtor that includes $60,000 estimated taxes (AR, MOTION REGARDING CLAIM TO BE FILED BY 12/31/19).

5) Toyota Motor Credit (KML) OBJs - plan fails to treat 2016 Mercedes Benz with $0 arrears (KML OKAY WITH MP).

6) Attorney Disclosure Statement is on the old form and provides $0 balance due (NO FEES IN MP - AR, PER ATTY ALL FEES PAID).

7) Trustee OBJ:
- Need DSO information (RECEIVED).
- MP has $650/month for DSO - to whom? There are 2 persons on DSO form? (IS THIS PAID OUTSIDE??)
- Need to file Pre-Confirmation Certification (FILED).
- Order of Distribution departs from Trustee standard (PER ATTY, USE TRUSTEE STANDARD ORDER).
- Need to provide the Trustee with an accountants valuation of the business (RECEIVED CPA LETTER).
- There is $20,000 in non-exempt equity in the business (AR, PER ATTY OKAY).
- There is $10,200 in non-exempt equity in the vehicles & $8,702 in bank account (EDC OBJECTIONS WERE SUSTAINED).

- Need amended Sch J to remove the expenses that are already on the P&L (TO BE FILED BY 12/31/19 - Amended Sch J filed 1/23/20 that includes $1,200 health insurance, $$1,230 vehicle insurance, $1,137 vehicle paym
Matter ResolvedRequest
Adjourment
1774/14/2020 10:00 am19-26912 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $500.00  
ISSUES AS OF 2/21/2020 (DM):

***If objection with Bank of NY Mellon can be resolved by paying arrears per POC, then the Trustee objections can be resolved by confirming at $500 x 25 starting 10/1/19, then $1,440 x 35 starting 11/1/21, 100% Plan***

1) Bank of NY Mellon (POWERS) OBJs - $39,896.61 arrears (OKAY TO PAY??)

2) Trustee OBJ:
- Need to amend Sch B to add 1989 Dodge and 2018 Subaru (N/A - BELONG TO NON-FILING SPOUSE).
- 522(d)(5) exemption exceeds limit by $3130.
- Pension loan will expire in 25 months. There will be $1,399 additional disposable income available in November 2021. May require 100% dividend to general unsecured creditors.
- Excessive Expenses Form 122c: involuntary deductions of $2,956.06 on Line #17 is incorrect. The pension loan was calculated incorrectly. Need breakdown of calculations.
- Need to file Pre-Confirmation Certification (FILED).


Prop. Plan $500 x 60, Base Plan, Loan Mod by 4/1/20
PTD 4/5 = $2,000
Last Claim (8-1)
Matter ResolvedRequest
Adjourment
2614/14/2020 10:00 am19-27195 / MBKROBERT C NISENSON ESQConfirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 7 required payments   Arrears: $1,216.00  
AS OF 1/24/20 (SF)

1. Trustee objection:
- The debtor has failed to supply the Trustee with the following document(s):
- Form 1099 for non filing spouse, he is an independent contractor
- Amendments to Schedules Need amended Schedule D that shows amount of mortgage claim. Per proof of claim $309,957.77
-excessive expense on Schedule J car payment $630, allowance is $508
-debtors income verifies higher than amount on Schedule I = $1328
- The Schedules fail to account for the debtor(s) tax refund in the amount of $5475 when determining disposable income.
- non-exempt equity engagement/wedding ring set in the amount of $1,300

2. If above issues are resolved recommend $1216 PTD, $1328 X 56 (BEGIN 2/1/20) BASE W/MIN $1300 TO GUCS

Plan proposes $608 x 60 Base, Student loans to be paid outside
Payments: 2/4 Arrears: $1216

RESOLVED ISSUES;
- Objection filed Nationstar Mortgage (Shapiro& Denardo) - failure to pay arrears of $31,702.26 - MP FILED
- US Dept of Housing & Urban Development filed secured claim with zero arrears. Not addressed in plan or schedules - RESOLVED WITH MP
- Motion for Relief by Nationstar Mortgage (Shapiro) scheduled for 1/8/20 @ 9 (ORDER ENTERED)
- A copy of the homeowner's insurance renewal declaration - RECEIVED
- need to provide declaration page for auto insurance (RECEIVED)
Matter ResolvedRequest
Adjourment
2734/14/2020 10:00 am19-27686 / MBKLEE M PERLMAN, ESQConfirmation Hearing ScheduledPending WorkupDebtor has made 7 of 7 required payments   Arrears: $0  

issues as of 1/27/2020

1) 341 not held, rescheduled 2/13/2020
2) Need to file Pre Confirmation Certification with Court
3) Santander Bank (Phelan) 1st mtg objection to confirmation - need to resolve
-arrears $61,863.71
4) Santander Bank (Speziale McGinley) 2nd mortgage, objection to confirmation - need to resolve
-arrears $24,456.04
5) Current with Trustee plan payments
Matter ResolvedRequest
Adjourment
2464/14/2020 10:00 am19-27771 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 7 required payments   Arrears: $1,597.00  
Doc #56 - Cert re lawsuit filed

2/20 AMT: INTERIM SCH ORDER TO CHAMBERS FOR FILING<<<>>>

ADJ PEREMPTORY NEED EWAGE

ISSUES AS OF 2/11/2020 (DM):

1) IRS filed $22,539.39 amended priority claim that includes estimated taxes for 2016 & 2017 (UNRESOLVED).

2) IRS filed $21,362.55 amended unsecured claim that includes estimated taxes for 2013, 2014 & 2015 (UNRESOLVED).

3) State of NJ filed $27,839.72 priority claim that includes estimated taxes for 2016 & 2017 (UNRESOLVED).

4) State of NJ filed $40,302.08 unsecured claim that includes estimated taxes for 2013, 2014 & 2015 (UNRESOLVED).

5) Consumer Portfolio (Bernstein Burkley) OBJs to cram of 2014 Mercedes E350 (UNRESOLVED).

6) Greenwood Credit Union (Wasserman) OBJs to cram of 2010 Mercedes E360 (CONSENT ORDER ENTERED).

7) All 4 vehicle crams are incorrectly populated in Part 7b instead of Part 7c of the Plan (UNRESOLVED - moot regarding the 2 creditors above due to objections filed).

8) MMC Auto Exchange and I&B Business Corp have not filed POCs with respect to the proposed crams (UNRESOLVED).

9) Wells Fargo/Value City filed $2,226.27 POC for furniture that includes $694.53 secured component and $1,531.74 unsecured component - claim not treated in plan (UNRESOLVED).

10) Trustee OBJ:
- Need updated proof of income now that debtor is back to work (UNRESOLVED).
- Amend Sch I now that debtor is back to work (UNRESOLVED).
- Excessive Expenses: $1,100 food, $753 car insurance, $300 and $250 auto payments - debtor is not married and proposed plan is cramming 4 vehicles.
- Amend Sch C to list potential lawsuit against trucking company (UNRESOLVED).
- Need to add all non-exempt proceeds from breach of contract claim.


Prop. Plan $799 x 60, 0% Plan
PTD 2/5 = $1,599
Last Claim (15-1)
Matter ResolvedRequest
Adjourment
2474/14/2020 10:00 am19-27775 / MBKEUGENE ROTH, ESQConfirmation Hearing ScheduledIncomplete Docs / Needs Resolution of IssuesDebtor has made 5 of 7 required payments   Arrears: $706.00  
AS OF 4/6/2020 (at):

1. Objection filed by Deutsche Bank (RAS Crane) - failure to cure arrears of $66,599.61. (UNRESOLVED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for debtor for Jan- March 2020. (NOT RECEIVED)
- Income contribution affidavit (NOT RECEIVED)
- A copy of the last filed tax return - 2019 by 5/30/20. (NOT RECEIVED)
- A copy of the homeowner's insurance renewal declaration - for Trenton property. None provided. PLan surrenders but need insurance proof til confirmation. (NOT RECEIVED)
- updated auto insurance. What was provided has expired. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Sch.J has NT apt. rent of $1087- Needs proof. (NOT RECEIVED)
The debtor has failed to provide proof of service with respect to Plan Motion(s).
- No proof of service on lien strip of E Tek Capital, LLC United One Equity. (CERT OF SERVICE NOT FILED)
- must address objection by Deutsche bank. (UNRESOLVED)
-student loans to be paid outside. (LANGUAGE ADDED)
-need proof of lien by E Tek Capital on Bradley beach property unless they file a claim. (NOT RECEIVED)
-must file pre conf cert. (NOT FILED)
-need proof of the $500 household contribution (NOT RECEIVED)

Plan proposes: $353 x 36, base, loan mod within 6 months of confirmation
Payments: 5/7, arrears $706
Matter ResolvedRequest
Adjourment
2504/14/2020 10:00 am19-27882 / MBKCAMILLE J KASSARConfirmation Hearing ScheduledMootDebtor has made 1 of 7 required payments   Arrears: $2,976.00  Total Paid In: $4,062.00
confirmed 3/31-moot EDC
AS OF 2/10/2020 (at): - Atty will be filing a Modified Plan and has requested an adjournment. Need date of MP.sf

1. After verification of income, there is excess income of $760/month. Debtor is not paying all disposable income. (OK AS LONG AS STAYS 100%-LESS THAN $1500 IN GUCS edc)

2. Objection filed by US Bank (Romano). (UNRESOLVED)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Income contribution affidavit (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - policy provided expired 11/9/2019 (RECEIVED)
- Amendments to Schedules I to add contributions form son and daughter. (AMENDED)
- must file pre conf cert. (FILED)
- order of distribution differs for Trustee standard order. (LANGUAGE ADDED)

Plan proposes: $237.53 x 60, 100% to guc's, loan mod by 1/2020
Payments: 4/5, arrears $237.53
Matter ResolvedRequest
Adjourment
2764/14/2020 10:00 am19-28025 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 7 of 7 required payments   Arrears: $0  

4/3 workup for the 4/14 calendar EDC----same issues as of 1/28/2020

1) US Bank (RAS Citron) objection to confirmation - need to resolve
-loan mod not offered or approved
2) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income
-the debtor has failed to file a feasible plan
-the debtor has failed to supply the Trustee with the following documents - Amendments to Schedules J to list mortgage payment
-need to file Pre Confirmation Certification FILED

proposed plan $126x60 minimum $3000 dividend to general unsecured creditors, loan mod by 6/30/2020
paid in $504
last claim 15-1
Matter ResolvedRequest
Adjourment
2554/14/2020 10:00 am19-28092 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledPending WorkupDebtor has made 7 of 7 required payments   Arrears: $0  

AS OF 2/4/2020 (at):

HOMEOWNER'S INSURANCE HAS NOT BEEN PROVIDED. NO ADJOURNMENTS WITHOUT IT.

1. Motion for relief filed by US Bank/1st mortgage (McCalla Raymer) - scheduled for 2/26/2020.

2. Objection filed by US Bank/1st mortgage (RAS Crane) - failure to cure arrears of $57,567.29 (PER POC) - (UNRESOLVED)

3. Objection filed by Bank of America/2nd mortgage (Stern Eisenberg) - failure to cure arrears of $4,622.18. (PER POC - PLAN DOES NOT LIST BANK OF AMERICA AT ALL) - (UNRESOLVED)

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the homeowner's insurance renewal declaration (NOT RECEIVED)
- There is equity of $75,150 in the residence and $6,000 in the savings account.
- Need Pre-Confirmation Certification (NOT FILED)

Plan proposes: $150 x 60, loan mod by 3/1/2020, 100% to guc's
Payments: 4/5, arrears $150
Matter ResolvedRequest
Adjourment
2264/14/2020 10:00 am19-28312 / MBKBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 7 of 7 required payments   Arrears: $0  

4/3 workup for 4/14-----Despite large disposable income only $13,000 in unsecured filed so if Pentagon objection resolved we can confirm and pay everyone at:

***$2240 paid then $360 x 48 remaining beg 5/1/20 pro rata with min. of $44,000 to gucs per 22C)(equity of $16,750 in real estate)



>>>Need To Resolve creditor objection and excess dispos income per Trustee objection<<<

1. Objection By Pentagon Fed'l Credit Union(Vedder Price(P.C.)
-objects to surrender of taxi cab medallion

3. Trustee Objection:
-debtor not paying all disposable income into the plan. 122c has dispos. income $734.58, which requires min. div. $44,074.80 to gucs.
-Schedule I & J show disposable income $2,282.16 and per proof of income=disposable income $2,116.45. Minus the soc. sec. income ,the dispos income is $1,012.If you look at more recent income form debtor for Uber(Sept & Oct) it is even higher so plan payment has to go up due to excess dispos income.
-There is non-exempt equity on real property $16,750.36
-Need more Uber income statements for Aug. & Sept 2019.(Provided- gross for 2 mos =1706. So even net income is more that when case was filed.
-need to Amend Form 122c to remove 29 year old son as a dependent.(Not done).
-need Business forms - Taxi Medallion.(Plan surrenders it)


Proposed plan:320 x 60 BASE
payments:4/4
last claim:3-1, bar date 12/5/19
Matter ResolvedRequest
Adjourment
2854/14/2020 10:00 am19-28558 / MBKLAWRENCE W. LUTTRELLConfirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $1,403.00  
AS OF 1/22/20 (SF)

1. Trustee objection:
- Proof of 2 month's income - : Updated pay stubs since Debtor returned to work full time per letter dated 10/18/19.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $2,500
childcare (need proof)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,549.00 when determining disposable income.
- 2019 P&L statement used in preparation of 2019 tax return for TRJ Graphics.
- Need certification/explanation regarding why the income sales disclosed in the P&L statements for My Sports Times LLC do not coincide with the deposits reflected in the bank statements for My Sports Times LLC.

2. Must file pre-confirmation certification
'
Plan proposes $1414.93 x 60 Base, Loan Mod by 4/30/20
Payments: 4/4
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am19-28724 / MBKCAMILLE J KASSARConfirmation Hearing on Modified PlanNeeds Resolution of Issues : ObjectionsDebtor has made 1 of 6 required payments   Arrears: $139.00  
AS OF 4/7/2020 (at):

CONFIRMATION HEARING ADJOURNED TO 4/14 - DATE OF MODIFIED PLAN HEARING

PLAN IS NOT FEASIBLE. MORTGAGE ARREARS PER OBJECTION ARE $87,587. PLAN IS A LOAN MOD AND A CURE PLAN. DEBTOR IS PAYING $139.31/MONTH BEGINNING 4/2020.

1. Objection filed by Chase (McCalla Raymer) - failure to cure full arrears of $83,587.62. (Per Obj - no POC filed and bar date passed) (UNRESOLVED - MOD PLAN PROPOSES TO PAY ARREARS, BUT TRUSTEE PAYMENT IS INSUFFICIENT AND PLAN ALSO PROPOSES A LOAN MOD)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2019 (RECEIVED)
- Amendments to Schedules J to list adequate protection mortgage payment, not full mortgage payment. (AMENDED - BUT LISTS $845.49/MONTH AND NOT $507.29 AS PROPOSED IN THE PLAN)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$600/month for home maintenance
$1,000/month for food for a household of one
$150/month for clothing
$150/month for personal care
$600/month for medical & dental
$500/month for entertainment
- The Schedules fail to account for the debtor(s) tax refund in the amount of $485.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- 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 file Pre-Confirmtion Certification. (FILED)
- Need to resolve objection by Chase Bank (mortgage). (UNRESOLVED)

MP Plan (filed 3/25/20) proposes: $200.50 PAID TO DATE, $139.31 X 55 BEGINNING 4/1/2020, 100% to guc's, loan modification by 7/2020
Payments: 5/6, arrears $139.31
Matter ResolvedRequest
Adjourment
3624/14/2020 10:00 am19-28756 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 6 required payments   Arrears: $580.00  
Matter ResolvedRequest
Adjourment
2704/14/2020 10:00 am19-28868 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledPending WorkupDebtor has made 2 of 6 required payments   Arrears: $0  

Amended Sched I & J filed 3/11/20

As of 2/14/20 Debtor attorney requested adjournment to resolve objection with creditor

As of 2/13/20 (DS): 1. Trustee obj to the following:
- Schedules failed to add tax refund, there is disposable income $1,016.50.
- Must resolved JPMorgan Chase objection.

2. JPMorgan Chase obj to loan mod and plan silent as to arrears being paid. Obj must be resolved.

3. What is the status of loan mod? Plan has loan mod to be done per loss mit order, no loss mit filed. Per order loss mit was to be completed by 2/4/20. Motion to extend loss mit filed 2/12/20, obj deadline is 2/19/20.

Prop Plan $1,160 Paid, $580 x 56 100% and Loan mod with JPMorgan Chase on Washington Ave per loss mit order
Note: Old Bridge obj withdrawn, plan pays.
Matter ResolvedRequest
Adjourment
2904/14/2020 10:00 am19-28951 / MBKLAURENCE R SHELLER, ESQConfirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 6 of 6 required payments   Arrears: $0  

4/3 workup Either need to confirm or dismiss. Still lots of issues from below but only $15,000 in gucs so
can CONFIRM AT***$1800 paid then $310 x 54 beg 5/1/20-pro rata with min of $16,700 to unsecured creditors (due to equity )

Trustee's objection:
- The debtor has failed to file a feasible plan - Need a tier plan $346, car payment ends in month 26.
The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - with properties sold in the area, only provides active properties. (NOT RECEIVED)
- Proof of 2 month's income - debtor's job. (RECEIVED)
- Proof of pension income - from ex-spouse. (RECEIVED CERT FROM DEBTOR - NO STATEMENTS. DEPOSITS FOR $1900 ON BANK STATEMENTS)
- Income contribution affidavit (NOT RECEIVED)
- A copy of the last filed tax return - complete 2018 tax return. (NOT RECEIVED-ONLY REC 1ST PAGE)
- 2 months bank statements for Ocean First & Chase with Debtor's name for all accounts prior to filing date. (NOT RECEIVED)
- A copy of the HUD-1 statement for Ashwood Drive, Brick NJ. (RECEIVED-$16242 rec at closing in Sept 2018))
- Amendments to Schedules B and C to add model for Hyundai. Amend sch I & J (NOT AMENDED)
The debtor has undertaken an improper use of exemption. Specifically:
- (d)(5) by $231.
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Car payment of ex-spouse $500, when already paying $346 for Debtor's car payment (Schedule I #13 states ex-husband is not keeping current with car payments), home maintenance $150 and homeowner associate $280 total $430, Food $475, Clothing $150-
Plan is 100% (PLAN IS NOT 100% - $16,700 TO GUC'S)
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 on real property $16,001 and bank account, pending review of bank documents. Must confirm with minimum dividend of non-exempt equity.
- M
Matter ResolvedRequest
Adjourment
2914/14/2020 10:00 am19-28960 / MBKANDREW CARROLL, ESQ.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 6 required payments   Arrears: $2,845.00  
As of 1/28/20 (DS): 1. MFR filed by Sun West Mortgage sched 2/18/20, Debtor in post-pet arrears $4,840.08, need outcome.

2. Trustee obj need Trustee standard order of distribution.

Prop Plan $865 x 58 100%
Note: Auto insurance provided and Pre-conf cert filed.
Matter ResolvedRequest
Adjourment
2934/14/2020 10:00 am19-28982 / MBKALEXANDER J RINALDI, ESQConfirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0  

AS OF 1/23/20 (SF)

1. Objection filed by Lakeview Loan Servicing (McCabe, Weisberg) - failure to pay arrears of $56,117.82 (PAY THE CLAIM)

2. Trustee objection
- A copy of the last filed tax return - or Cert of non-filing of taxes from Debtors.(NEED CERT)
- Updated auto insurance, insurance expired 12/6/19.
- Need Wells Fargo certificate of deposits value prior to filing date.
- Add to confirming order Trustee standard order of distribution.
- Arrears claim 2-1 filed by American Honda for $19.40. (OK TO PAY?)
- Must file Pre-confirmation certificate.


Plan proposes $875 x 60 Base
Payments: 3/3

RESOLVED ISSUES:
- Amendments to Schedules C to take exemptions on real property, there is non-exempt equity of $11,917. (MOOT, MORTGAGE CLAIM IS HIGHER)
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am19-29406 / MBKLEONARD R BOYERConfirmation Hearing on Modified PlanPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0  

amended schedule I & J filed - need to review

issues as of 3/6/2020

1) 341 not held, rescheduled for 3/19/2020
2) Provident Funding Associates L.P. (Powers Kirn) - objection to confirmation - need to resolve
-approximate arrears $51,508.06
3) Current with Trustee plan payments
4) Need to file Pre Confirmation Certification with Court

proposed plan $400x60 base plan
paid in $2000
last claim 13-1
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am19-29543 / MBKCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 6 required payments   Arrears: $836.00  
***adj to 4/14/20 peremptory***
>>3/10/20(mk) Email from atty.: Filed a MP (#28)that addresses all POCs including and agree to pay TBYi(Zeitz) objections as per proofs of claims. In regard to Day Investment &Consulting LLC, will file w/in 30 days of confirmation a motion to recalssify/expunge since this property has been surrendered.<<


AR REC DISM UNLESS ALL INS IS RECD ;IF ADJ ADD PEREMPTORY AND SCH ORDER (properties went to sheriff's sale ... atty listed for deficiency purposes)

AS OF 3/6/20 (SF)

1. The proposed plan is not feasible. Claims filed are much higher.

2. The plan does not propose to pay any of the water/sewer claims for Trenton Water Works. There are multiple claims for various properties listed on claim 2.

3. TBY1 is a tax sale certificate claim 7-1 not addressed in plan

4. TBY1 is a tax sale certificate claim 8-1 not addressed in plan.

5. 86 Wolverton is not addressed in plan or Schedules (NO INSURANCE, OR CMA PROVIDED)

6. 843 E. State Street is not addressed Schedules (NO INSURANCE OR CMA PROVIDED)

7. Credit Union of New Jersey (Liska) objection to confirmation - need to resolve
-pre petition arrears $17,221.80 - PER ATTY OK TO PAY

8. TBYi (Zeitz) objection to confirmation - need to resolve
-$11,675.45 claim -7 (225 Rusling) and claim -8 (127 Fulton)

9. Day Investment & Consulting LLC filed a late secured claim for $1421.22 which is not addressed in plan. This property is surrendered in plan but the creditor is not listed (MUST RESOLVE)

10. Trustee objection to confirmation - need to resolve
-need a current market analysis for 270-272 Hills Alley (RECEIVED)
-need a copy of the homeowners insurance renewal declaration for all 8 properties (STILL NEED FOR 448 GARFIELD AVE , 129 FERRY STREET, 843 E. STATE ST AND 86 WOOLVERTON)
-need August and September bank statements for Chase Savings account #0295 (RECEIVED - THERE IS $6500 N/E IN THIS ACCOUNT)
-the debtor is not paying all disposable income into the plan - verified incom
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am19-29812 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 6 required payments   Arrears: $436.00  
AS OF 3/5/20 (SF) MP FILED AND SCHEDULED FOR 4/14/20

ATTY HAS 654 ADJ FOR $ TO POST THEN WORK UP

1. Objection filed by US Bank (Phelan) - failure to pay arrears of $160,588.77 - OTBS (NEED ORDER)
2. Motion for Relief by US Bank 2/26 @ 9 OTBS (NEED ORDER)
3. Trustee objection:
- Must file pre conf cert. (STILL NEED)

Plan proposes $218 x 48 0%
Payments: 4/5 Arrears: $218

RESOLVED ISSUES:
- A copy of the homeowner's insurance renewal declaration - policy provided expired 10/28/2019
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am19-30337 / MBKPETER E ZIMNIS, ESQConfirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 8 of 6 required payments   Arrears: $1,114.00  
4/6 workup for the 4/14 calendar-NEED TO CONF OR HOLD FOR JUDGE

issues as of 3/10/2020 - MODIFIED PLAN FILED 3/9/2020, 3 payments arrears-auto ins expired in January, estimated NJ still, pension loan needs to increase by $160 beg September 2022, sch J still has $200 furniture payment even though surrendered EDC

CONFIRM OR HOLD FOR JUDGE: will compromise at $2691 paid then $450 x 30 beg 4/1/20 the $600 x 24 beg 9/1/22 pro rata-NJ estimated priority claim OTBS or amended claim within 45 days

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

1) Not current with Trustee plan payments, arrears $1114
2) Need to file Pre Confirmation Certification with Court
3) Trustee objection to confirmation - need to resolve
-need a copy of the last filed tax return - 2019 tax returns
-need proof of insurance for all vehicles(expired in January 2020)(still no update)
-need 401k loan statement(received-plan needs to increase $160 in Sept of 2022)
-need October bank statement, not transaction printout, for Bank of NY account(OK)
-need a modified plan that includes all support obligations
-need amendment to Form 122c for a household of two based upon no dependents listed on Schedule J(OK income lower)
-the debtor consists of unnecessary or excessive expense items, such as $200 appliances, $500 transportation, $500 charity (OK income lower)
-the debtor is not paying all disposable income into the plan pursuant - monthly disposable income on Form 122C for a household of 3, as filed, is $1,356.96 which requires a $81, 417.60 minimum dividend(OK income lower)
-the current Plan does not specify treatment of NJ Division of Taxation (priority) and NE69 Northeastern Title Loans (Nissan Altima) under the plan
-if case is dismissed, there should be a one year bar from refiling based upon the number of previous bankruptcy filings
4) NJ Division of Taxation filed priority claim 15 which is estimated - need to resolve

proposed plan $350x60 base plan
paid in $691
arrears per modified plan $1059
last claim 16-1
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am19-31068 / MBKTHOMAS M MONAHAN, ESQConfirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 5 required payments   Arrears: $1,291.00  
Matter ResolvedRequest
Adjourment
1984/14/2020 10:00 am19-31104 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 5 required payments   Arrears: $950.00  
4/2 workup for the 4/14 calendar EDC
From last time --Still not current and resolve Detzky objection (landlord) only creditor-wants 12 month cure EDC

As of 3/10/20 (DS): If obj resolved with creditor, need to confirm at $650 paid, $456 x 14 begin 4/1/20, $253 x 18 begin 6/1/21 0% to gucs and add to confirming order Trustee will pay 18 month prompt cure to landlord

1. Debtor in arrears $630, made 2 out of 4 payments, recently made payment $325 on 3/3/20.

2. Trustee obj that plan fails to provide prompt cure of rental arrears. Attorney ok with 18 month prompt cure.

3. Allan T. Voorhees (landlord) obj no prompt cure proposed. Obj must be resolved.

Prop Plan $320 x 36 $0
Matter ResolvedRequest
Adjourment
2034/14/2020 10:00 am19-31678 / MBKGeorge E Veitengruber IIIConfirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $250.00  
Matter ResolvedRequest
Adjourment
2924/14/2020 10:00 am19-31767 / MBKEUGENE ROTH, ESQConfirmation Hearing ScheduledIncomplete Docs / Needs Resolution of IssuesDebtor has made 3 of 5 required payments   Arrears: $364.00  
As of 4/7/20 (DS): 1. Debtor in arrears $364, made 3 out of 5 payments.

2. Trustee obj to the following:
- Need 2 months proof of income from Debtor and certification regarding debtors disposable income (family owned company pays his personal expenses for work he performs).
- IRS claim is estimated, 2015, 2016, 2017 and 2018 tax return not filed, must resolve claim.
- Must file Pre-confirmation certificate.

3. Specialized Loan obj to sale and arrears not paid. Obj must be resolved.

Prop Plan $182 x 60 Base and Sale of Woodfern Ct within 6 months after conf
Matter ResolvedRequest
Adjourment
2294/14/2020 10:00 am19-31876 / MBKWARREN BRUMEL, ESQConfirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $300.00  
Matter ResolvedRequest
Adjourment
2194/14/2020 10:00 am19-31898 / MBKGeorge E Veitengruber IIIConfirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
3144/14/2020 10:00 am19-32342 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $632.00  
As Of 1/24/20(mk):


1. Objection by US Bank(1st Mtg)(Phelan):
-fails to cure arrears. LM speculative

2.Objection By Ally Bank(2nd Mtg)(Powers):
-fails to pay arrears.will filePOC before bar date.

3. Plan has Santander current- POC $135.60-OK TO PAY?

4. Trustee Objection:
-Plan is LM - cannot be 0%- must be a base.
-income verified higher than scheduled. Disposable net income is $2,133.75
-cannot be zero percent plan due to excess income
-non exempt equity $4,175 bank account.



Plan:632 X 60 BEG 12/19; LM BY 8/31/2020 (3 MAYFLOWER DR); $0.
payments:2/2
last claim:5-1,bar date:2/5/20
Matter ResolvedRequest
Adjourment
3184/14/2020 10:00 am19-32442 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $400.00  
AR ATTY TO RESEARCH STATE EXEMPTION
AS OF 1/23/20 (SF)

Trustee objection:
- Need proof of insurance for the 2007 Cadillac.
- Amendments to Schedules - Moot NJ exemptions ok
- There is $6,272 in non-exempt equity in their bank accounts and $54,149 in non-exempt equity in their whole life insurance policies. (PENDING REVIEW OF NJ EXEMPTIONS WITH EDC)
- There is $2,131.50 in non-exempt equity in the timeshare.

Plan proposes $250 x 60 Base w/min $10970 to gucs
Payments: 2/2
Matter ResolvedRequest
Adjourment
2974/14/2020 10:00 am19-32496 / MBKKarina Pia Lucid Confirmation Hearing ScheduledContinued
5/19/2020 10:00 am
Debtor has made 7 of 4 required payments   Arrears: $0  

INS SUBMITTED
AS OF 2/10/20 (SF) - NO INSURANCE. NOT CURRENT

1. Objection filed by New Residential Mortgage (Phelan) - failure to pay arrears of $62,413.04 and speculative loan mod.

2. Forrest Gat Homeowner's Association filed bifurcated claim, $10,291.97 is secured and $2248.52 is unsecured. (HOW SHOULD THIS CLAIM BE PAID? THE PLAN PROPOSES TO PAY SECURED IN FULL)

3. Trustee objection:
- The debtor has insufficient income. Income verified at negative $1899.21
- Need a copy of the homeowner's insurance renewal declaration - - insurance expired 10/10/2019. (NO INSURANCE. FORCED PLACED PROVIDED)
- Amendments to Schedules : Amended Sch I for job promotion and updated proof of income.

4. Must file pre-confirmation certification.


Plan proposes $1000 x 4, $1682.13 X 56 Base, Loan mod by 3/19/20
Payments: 1/2 Arrears: $1000
Matter ResolvedRequest
Adjourment
3254/14/2020 10:00 am19-32533 / MBKMarcia Y. Phillips, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

As of 4/2/20 (DS): 341 sched 4/23/20, must submit confirmation adjournment request.
Matter ResolvedRequest
Adjourment
2134/14/2020 10:00 am19-32642 / MBKNelson Gonzalez Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 12 of 4 required payments   Arrears: $0  

UPDATED TRUSTEE OBJ RE: BELOW

4/3 workup for the 4/14 calendar EDC
Mk:3/16/20- Amended C filed(#44)- takes (d)(5) on Fla. prop.- ok
AR MP ON FOR 4-14
AR REC DISMISSAL - NEED INS RENEWAL -expired on 12/4/19-still not provided

1. Objection filed by Select Portfolion/Deutsche Bank (Fein Such) - failure to cure arrears of $146,508.62 (Per POC).
2. Trustee's objection:
- The debtor has failed to file a feasible plan - proposed payment is insufficient to pay adequate protection payment to mortgage co.
The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - for lot in Florida (NOT RECEIVED)
- A copy of the homeowner's insurance renewal declaration (NOT RECEIVED)
- A Modified Plan that increases trustee payment or removes adequate protection payment. (MOD PLAN FILED - PAYMENT STILL $100)
- Amend J to add mortgage payment. (AMENDED J STILL DOESN'T LIST MORTGAGE PAYMENT AND LISTS $204 MONTHLY PAYMENT FOR CHILDRENS CONDO AND $300 FOR FAMILY IN BOLIVIA-RAISED FROM 2769 A MONTH TO 6272)
- Amend C to use federal exemptions.( mk: AMENDED 3/16/20(#44)-OK)
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 a monthly net balance of $5,593.57.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,298.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan fails to provide for a prompt loan modification completion date. (MOD PLAN STILL DOESN'T PROVIDE A LOAN MOD COMPLETION DATE)
- Need to file Pre-Confirmation Certification. (NOT FILED)
Debtor's attorney must file a consent order with Select Portfolio for the trustee to pay the adequate protection payment. Order must specify payment amount. (NOT FILED)

Plan proposes: $100 x 60, base, loan mod by "to be determined"
Matter ResolvedRequest
Adjourment
3064/14/2020 10:00 am19-32683 / MBKAmy L Knapp Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 4/7/2020 (at):

RECOMMEND: $5,971 PAID TO DATE, $2,000 x 56 BEGINNING 5/1/2020, BASE
Claims #22 and 23 filed by Wells Fargo are for student loans and will be paid outside of the plan.
Claim #24 filed by Wells Fargo will be paid in full through the plan. ($4,571.08)

MP TO PUT STUDENT LOANS OS PLAN
1. Wells Fargo Bank filed a secured claim #24 in the amount of $255 which is not in the plan. Is it ok to pay this claim?
MP FILED PAY CLAIM IN FULL

2. Objection filed by Ford Motor Credit (Morton) - plan lists incorrect lease payment. (MOD PLAN CORRECTS - NO OBJ TO MODIFIED PLAN)

3. Trustee's objection:
SEE CERT 4-14
The debtor has failed to supply the Trustee with the following document(s):
- Need November bank statements for Affinity and Santander bank accounts.
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$250/month for home maintenance
$568/month for miscellaneous expenses
$350/month for medical and dental (need proof)
$292/month for anticipated tax payments (need proof)
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 a monthly net balance of $2,565.18.
- Reviewed the 122C, monthly gross income is $17,020. (bonus is not on 122C) Per the 122C, monthly disposable income is $3,799 which requires a minimum dividend of $227,940 to general unsecured creditors.
- Need to file Pre-Confirmation Certification. (FILED)
- Need to resolve objection by Ford Motor. (MOD PLAN ASSUMES LEASE - NO OBJ TO MOD PLAN)

MP Plan proposes: $1,386 x 59, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
3094/14/2020 10:00 am19-32708 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 4 required payments   Arrears: $1,007.00  
As of 4/7/20 (DS): Need to confirm at $1,007 x 4 begin 1/1/20, $1,656 x 56 begin 5/1/20 100% to gucs and add to confirming order Trustee ok to pay the arrear claims of Harley Davidson claim#5-1 and Capital One claim#9-1

As of 2/14/20 Debtor attorney requested adjournment to resolve claims and obj.

2/18/20 (DS): 1. Arrear claims filed by Harley for $581.97 and Capital One for $10. Ok to pay?

2. Homebridge/Cenlar obj that arrears more $39,872.46, plan has $28,000, no POC filed, bar date is 2/13/20. Obj must be resolved. CONSENT ORDER ENTERED 2/24/20

Prop Plan $1,007 x 60 100%
Note: DSO Information sheet submitted. Auto insurance provided and Pre-confirmation cert filed.
Matter ResolvedRequest
Adjourment
3364/14/2020 10:00 am19-32733 / MBKLEE M PERLMAN, ESQConfirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 3 of 4 required payments   Arrears: $330.00  
issues as of 4/7/2020

1) US Bank (Phelan) objection to confirmation, need to resolve
-approximate arrears $72,499.24, plan does not provide for payment of arrears
2) Westamption Woods Community Association (Hill Wallack) objection to confirmation - need to resolve
-arrears claim of which $1425 is secured
3) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income
-need a copy of the 2019 tax return on or by 8/15/2020
-need a copy of the homeowner's insurance renewal declaration - received forced placed insurance only which does not include personal liability coverage
4) Improper service of the motion to avoid lien of Westampton Woods. A Notice of Appearance was filed by Hill Wallack.

proposed plan $330x36 base plan with loan mod 9 months
paid in $990
arrears $330
last claim 6
Matter ResolvedRequest
Adjourment
3264/14/2020 10:00 am19-32938 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledIncomplete Docs / Needs Resolution of IssuesDebtor has made 4 of 4 required payments   Arrears: $0  

As of 4/3/20 (DS): 1. Trustee obj to the following:
- Need copy of 2018 tax return.
- Amendment to Schedule I to include rental income.
- Excess expense on Schedule J for transportation $900.
- Plan does not provide for IRS and State of NJ claims.
- CVI SGP Acquisition Trust/Sterling Jewelers filed a secured claim for $1,674.26 that must be paid or move against the claim.
- SLS filed $48,791.14 arrears claim that must be addressed, plan list outside and unaffected.

2. Nissan received stay relief 2/27/20. Must surrender vehicle and amend Sched

3. IRS and State of NJ filed estimated tax claims. Claims must be resolved.

4. Must file Pre-confirmation certificate.

Prop Plan $300 x 36 Base
Matter ResolvedRequest
Adjourment
3294/14/2020 10:00 am19-32992 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 4 required payments   Arrears: $1,414.00  
AS OF 4/6/2020 (at):

1. Specialized Loan Servicing filed a secured arrears claim #3 in the amount of $807.56 which is not in the plan. Is it ok to pay this claim?

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2019 by 8/31/2020. (NOT RECEIVED YET)
- Need December bank statements for Bank of America account. (NOT RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $678 x 60, 100%to guc's
Payments: less than 1/4, arrears $1,414
Matter ResolvedRequest
Adjourment
3304/14/2020 10:00 am19-32993 / MBKFRANCIS P CULLARI, ESQConfirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 3 of 4 required payments   Arrears: $720.00  
As of 4/7/20 1. Only issue remaining is the arrears and bifurcated claim filed by Pentagon FCU for 2016 Toyota 4Runner. Arrears $986.57, unsecured $1,820.42. Plan is proposing to pay 100% to unsecured, creditor is not in plan and this claim has an unsecured portion. Ok to pay arrears and unsecured portion?

AR QUICKEN OTBS PAY PER POC

2/18/20 (DS): 1. Pentagon FCU for 2016 Toyota 4Runner SR5 filed bifurcated claim with secured $28,150, unsecured $1,820.42 and arrears $986.57. Creditor is not in plan, but vehicle is listed on auto insurance. Plan is 100% and unsecured portion would need to be paid. Claim must be resolved.

2. Trustee obj there is non-exempt equity on real property $70,615.82.

Prop Plan $720 x 60 Base
Note: CMA provided with date and comps. Creditor obj resolved to pay arrears COTBS. Pre-confirmation cert filed.
Matter ResolvedRequest
Adjourment
3304/14/2020 10:00 am19-33000 / MBKLEE M PERLMAN, ESQConfirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 4/7/20 (SF)

1. State of NJ priority claim 13-1 is estimated. Missing 2017 return (NEED AMENDED CLAIM)

2. Americredit/GM Financial filed arrears claim 2-1 which is not addressed in the plan (STAY IS VACATED) There are two Americredit claims. claim 2-1 which the stay is vacated and 4-1 which has zero arrears

3. Trustee objection:

- Need a copy of the homeowner's insurance renewal declaration - insurance expired 1/30/20.

- Balance statements from timeshares prior to filing date, none provided.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
22c-1 list support payment as income, but then 22c-2 deducts twice on Line 40 $666.67 and Line 43 $666.67. (these two lines contradict because the note states that debtors no longer receive child support)
22c-2 additional excess expenses:
- Line 20 Education $19
- Line 22 additional healthcare $95
- Line 35 may be less, claim for IRS filed for less, State of NJ is pending
- Line 43 takes $1,097 additional transportation expenses already taken on Line 11.
- Line 45 has disposable income $163.09, would be a larger amount of disposable income estimated $1,700 or more.
- Medical $370, Transportation $620, EZ-Pass $200 and Auto maintenance $120 total $940,
- Auto insurance $690, Pet food $250 and Pet medical expenses $125 total $375.
- Due to excessive expenses there would be disposable income $2,046.87.
- There is non-exempt equity on real property and timeshare. If debtor is keeping any timeshares , the trustee objects as this is a luxury and plan must then be 100% (SHOULD BOTH TIMESHARES BE SURRENDERED? PLAN IS UNCLEAR)

- Need valuation statement on Ameritrade stocks prior to filing date.


Plan proposes $539 x 60 Base w/min $11,818.21
Payments: 4/4


RESOLVED ISSUES:
- Must file Pre-confirmation certificate. (FILED)
Matter ResolvedRequest
Adjourment
3334/14/2020 10:00 am19-33040 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $346.00  
As of 2/7/20(mk):


1.Objection by Wells Fargo(Phelan):
-plan fails to pay arrears( POC $2,007.34)- OK TO PAY?.

2. Ally Fin. in plan as unaffected-Filed POC $299.20- OK TO PAY?

3. Trustee Objection:
-Need November and December bank statements for accounts #7295 and #9035. (see
direct deposit info)
- also need Nov. & Dec. bank statements for Wells Fargo account #8217
- need the divorce decree if debtor is no longer married.
-must file pre conf. cert.
--------------------------------------------------------------------------
-Reviewed the 122C, Line 23 (optional telephone) requires documentation. Per the 122C,
monthly disposable income is $297 which requires a min.div.of $17,820 to gucs.( Proposed plan payment is 346 x 60 which is more)



Proposed plan:346 x 60 BEG 1/2020; BASE.
payments:2/2
last claim:6-1,bar date:2/19/20
Matter ResolvedRequest
Adjourment
3394/14/2020 10:00 am19-33065 / MBKANDREW B FINBERG ESQConfirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0  

As of 2/12/20(mk)Updated:

>>>OBJECTION FILED BY SELECT PORTFOLIO- ONLY IF THAT IS RESOLVED ALLOWING PAY FROM SALE WILL THE TERMS WORK SALE IS AGREED TOO -

*** CAN REC CONFIRM AT $250 PTD, THEN $1,158 x 56 Begin 3/1/20; 100%:Sale of 19 White Pine Drive by 7/1/2020: NO Payments to Creditor, Select Portfolio pending sale; & Trustee to receive NE Proceeds from Sale of 18 White Pine Drive and NE Proceeds from injury lawsuit ***

>> Excess dispos. income and plan is 100%. Above median case.<<

1. Objection By Select Portfolio(McCalla):
-Sale of Re speculative.

2. Trustee Objection:
-he plan. Income verified much higher than scheduled $4,397.10 leaving disposable income of
$1,448.76 (100% Plan).
-excessive expense on Schedule J $618/car payment - (100% plan).
- Schedules fail to account for tax refund of $3,836 when determining disposable income.
-The confirmation order must include language that provides for the turnover of all Non exempt proceeds form PI claim.



Plan:250 X 36 BEG 1/2020; SALE BY 7/1/2020 (18 WHITE PINE DR); 100%
payments:1/2
last claim:5-1, bar date;2/19/20
Matter ResolvedRequest
Adjourment
3404/14/2020 10:00 am19-33086 / MBKDavid G. Beslow Confirmation Hearing ScheduledIncomplete Docs / Needs Resolution of IssuesDebtor has made 3 of 4 required payments   Arrears: $200.00  
AS OF 4/6/2020 (at):

1. Objection filed by SN Servicing (Friedman) - Plan fails to provide for the claim of $727,841.92. Adequate protection payment is too low. Creditor wants a consent order giving stay relief should the property not be sold within an appropriate time frame. (RESOLVED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2019 (NOT RECEIVED)
- an accountants valuation of the debtor's business (NOT RECEIVED)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Proof of income verifies higher, there is disposable income $$2,157.82, may be moot, plan propose 100%.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1229 when determining disposable income. (AVERAGED/ADDED TO INCOME)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity on real property $11,074.30 and checking account $812.45.
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).
- Must provide valuation statement from whole life insurance policy with Polish Women's Alliance prior to filing date. (NOT RECEIVED)
- Must add to confirming order non-exempt equity of lawsuit to Trustee. (LANGUAGE ADDED)
- Must resolve IRS estimated claim. (STILL ESTIMATED)
- Must resolve creditor obj. (UNRESOLVED)
- Must file Pre-confirmation certificate. (NOT FILED)
- The debtor may be over the 109(e) limit (SECURED CLAIM IS ABOVE THE LIMIT AT $1,267,905)

Plan proposes: $200 x 60, 100% plan, sale of res
Matter ResolvedRequest
Adjourment
3424/14/2020 10:00 am19-33151 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 4 required payments   Arrears: $0  

as of 4/7/2020

***** OK to confirm at $2,320 paid to date, $656x56 begin 5/1/2020 0% plan *****


1) Wells Fargo Bank (Powers Kirn) objection to confirmation - RESOLVED, CONSENT ORDER 2/24/2020
2) Trustee objection to confirmation - RESOLVED
3) US Dept of HUD filed secured claim 3 in the secured amount of $100,289.80, with zero arrears - RESOLVED, MODIFIED PLAN, CRAM TO ZERO

proposed plan $500x60 0%
paid in $2320
last claim 11-1
Matter ResolvedRequest
Adjourment
3534/14/2020 10:00 am19-33242 / MBKCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 3 of 4 required payments   Arrears: $584.00  
issues as of 4/7/2020

Modified plan has been filed and is scheduled for confirmation on 5/5/2020. Spouse case was dismissed.

1) The City of Trenton (Goldenberg) objection to confirmation - need to resolve
-claim $28,455 tax lien
2) New Rez LLC/Shellpoint Mortgage (Hill Wallack) objection to confirmation - need to resolve
-pre petition arrears $218,118
3) Acar Leasing/2020 Chevy Impala claim paid 10/2022 - raise plan payment to $1,729 beginning 11/1/2022
4) Trustee objection to confirmation - need to resolve
-need proof of 2 months income for non debtor spouse - PER SPOUSE FILING HIS MONTHLY INCOME IS $6491.56 (PROFIT $2824.90 SALARY $3666.66), UPDATED INCOME PROVIDED IS SPOUSE'S BANKRUPTCY
-need proof of rental income
-need a copy of the last filed return 2018
-need a copy of the homeowners insurance renewal declaration for Trenton property
-the debtor is not paying all disposable income into plan - excessive expenses on Schedule J and Form 122C: $1,415 expenses for husband. No proof of income provided for spouse; disposable income per Schedule I&J verifies higher at $1,241; disposable income per Form 122C will require minimum dividend to general unsecured creditors UPDATED INCOME VERIFIES HIGHER, DISPOSABLE INCOME IS $1,384.77 - THERE IS NOW DISPOSABLE INCOME OF $7,876.33 - AMENDED SCHEDULES FILED WITH MODIFIED PLAN, NEED TO REVIEW
-the Schedules fail to account for the debtors tax refund in the amount of $2,172 when determining disposable income
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is non-exempt equity of $4,820/14 in HSBC bank account
-the debtor has failed to provide proof of service with respect to plan motions - need proof of service for Ajay Damarapu
-need to file Pre Confirmation Certification with Court
-the rental property should be surrendered because no rent in being received


proposed plan $300x2, $1100x58 refi by 3/2020,
Matter ResolvedRequest
Adjourment
3544/14/2020 10:00 am19-33244 / MBKEdward Nathan Vaisman Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 2/14/20 (SF) - UPDATED

1. Wells Fargo filed arrears claim 2-1 for $279.30 (OK TO PAY?)

2. Trustee objection:
- Need copy of 401k loan statement for co-debtor. 2mos - (RECEIVED - Loan will be paid off by 9/5/20 and $661 will be available as of 10/1/20

- ( Nov. & Dec 2019) of bank statements for TD bank acct. (RECEIVED. AS OF 12/31/19 THERE IS N/E EQUITY OF $6226 IN TD BANK ACCOUNT)

- Amendments to Schedules . Must amend 122C to correct monthly mortgage payment. Sch. B to add TD bank acct ( AMENDED)

- Excessive expenses on Schedule J: $1100 transportation; $417 car repairs- Need debtors Certification and documentation attached for these expenses. (CERT PROVIDED BUT NO PROOFS ATTACHED)

- Excessive expenses per 122C:
Line 21: $929.67 childcare. Only $685 listed on Schedule J
Line 30: $47.75 additional food
Line 33a: $6227 mortgage payment
- Disposable income per 122C will require minimum divided to general unsecured creditors.
- there is $7,309.19 of non exempt equity in real estate.

Plan proposes $112 x 60 Base
Payments: 2/2

RESOLVED ISSUES:
- File pre-confirmation cert. (FILED)
Matter ResolvedRequest
Adjourment
3554/14/2020 10:00 am19-33268 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $300.00  
2/18/20:(mk):Made 1 payment. Debtor atty requested on 2/17/20 this hearing be RH till 11. He has criminal matter in Ocean Cty.

As of 2/12/20(mk) UPDATED:


1. As of this date-NO PAYMENTS.

2.Objection by US Bank(RAS):
-plan fails to pay arrears(POC $10,611.84).
3. Objection By Ditech(McCalla):
- objects to cram- questions value of RE

4.Trustee Objection:
-need Proof of 2 month's income - from Sterling, listed on Schedule I, proof provided lists wife's name, not Debtor's.
-need Business forms - from both businesses and profit and loss forms as well.
-need proof of Auto insurance.
-need 2 months bank statements prior to filing date for First Bank of NJ.
-need proof of value of stocks with Ameritrade/TD Bank per Sched B $510.81.
-need Modified Plan that removes Ditech as cram on Part 4(d) or removes on Part 4f and
adds on Part 7, since listed on 4d and that adds all cramdowns to Section 4 AND Section 7 of the Plan. Five Star Bank(looks like it was a loan to business -P&W designs,LLC and debtor is guarantor) that is in plan as secured filed and unsecured claim (#9-1) How many mortgages does the debtor have- 2 or 3?
-need Amendments to Schedules I to add spouse income & amendment to Statement of Financial Affairs to add businesses.
-debtor not paying all disposable income into the plan. Proof of income verifies higher.
-current Plan does not specify treatment of CarMax Auto under the Plan.
-There is non-exempt equity in bank accounts, Ameritrade/TD Bank, Lamendola
Properties, College Counts, Office Furniture, Tools, Office equipment and Showroom
displays.
- Need accountants valuation of business, including explanation for closing of prior
business(P & W Designs) and then opening of and operation of new business(Camelot Kitchen& Bath)
-need: IRA balance statement with Invesco.
-need proof of security deposits with Lamendola Properties on Sched B for $2,600 and College Counts balance listed on Sched B $16,655.
- Must resolve creditor objection.
- Must file Pre-
Matter ResolvedRequest
Adjourment
3564/14/2020 10:00 am19-33269 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 4/6/2020 (at):

1. Objection filed by Bank of America/2014 RV (Phelan) - cram interest rate cannot be 0%. Needs to be Nte rate of 5.5%. Bank of America filed an arrears claim #12 in the amount of $477 which is not in the plan. Is it ok to pay this claim? (UNRESOLVED)

2. American Express filed a secured claim #3 in the amount of $17,463.03 which is not in the plan. Is it ok to pay this claim or is debtor moving against the claim?

3. Trustee's objection:
- The debtor has insufficient income to fund the plan. Income verifies significantly lower than scheduled using proof provided.
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):
- excess expenses Schedule J $500/utilities; $700/telephone, cellphone, internet etc; $100/trash - already have $100/water, sewer, trash;
- Form 122C-2 Line 45 monthly disposable income $4,302.22 which requires minimum $258,133.20 dividend to general unsecured creditors may need to be 100%
The circumstances and contents of the debtor's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a) (3).
-plan pays for RV through plan in the amount of $48,834 this is a luxury item and plan should not be confirmed without a 100% dividend to unsecured creditors.
- The plan needs to include an update to debtor's income 6 months after confirmation

Plan proposes: $250 x 60, base, loan mod by 5/20/20
Payments: 4/4
Matter ResolvedRequest
Adjourment
3574/14/2020 10:00 am19-33274 / MBKCandyce Ilene Smith-Sklar Confirmation Hearing ScheduledIncomplete Docs / Needs Resolution of IssuesDebtor has made 3 of 4 required payments   Arrears: $1,768.00  
As of 4/7/20 (DS): 1. BELOW ISSUES NOT RESOLVED.

2/18/20 (DS): 1. Trustee obj to the following:
- Trustee will require updated pay stubs when Debtor returns to work.
- There is non-exempt funds in Wells Fargo account of $20,555. PER BANK STATEMENTS PRIOR TO FILING DATE, ON 1/7/20 THERE WAS A BALANCE OF $10,769.23 IN ACCT. TRUSTEE REQUIRES PROOF THAT FUNDS DEPOSITED INTO ACCT ARE FROM STUDENT LOANS MADE. NEED PROOF THAT THE FUNDS ARE STUDENT LOAN.

2. City of Trenton obj plan was filed in bad faith. On the eve of creditor applying for final judgment, previous owners Umar Abdul-Raheem and Jamilah Abdul-Raheem deeded the property to Debtor on 12/11/19 for $1. Obj arrears are more, plan not feasible, arrears filed for $147,477, plan has $96,364.86.

3. Credit Union of NJ obj arrears owed, POC filed with arrears $193.90, but also filed bifurcated claim with secured $19,800 and unsecured $6,273.57. Must resolve claim issues.

4. Secured claim filed by Trenton Water Works for $187.49. Ok to pay?

Prop Plan $1,768.19 x 60 Base
Note: Homeowner insurance provided.
Matter ResolvedRequest
Adjourment
3594/14/2020 10:00 am19-33292 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/2/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,064.00  

Matter ResolvedRequest
Adjourment
3644/14/2020 10:00 am19-33324 / MBKANDREW B FINBERG ESQConfirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 1 of 4 required payments   Arrears: $1,050.00  
issues as of 4/7/2020

1) PHH Mortgage Corporation (RAS Citron) objection to confirmation - need to resolve
-approximate arrears $18,916.44
2) Trustee's objection to confirmation - need to resolve
-need proof of 2 months income - fort he debtor's new job (started 12/9/2019) and for the co-debtor
-need statements for the debtors 3 401k loans CHANGED JOBS, CANNOT PAYBACK HAS TO CLAIM AS INCOME
-the schedules fail to account for the debtors tax refund in the amount of $2,174 when determining disposable income
-need to file Pre Confirmation Certification with Court
3) Ally Financial filed secured claim 5 with arrears in the amount of $992.67 - need to pay through the plan or move against claim

proposed plan $350x60 100%
paid in $350
arrears $1050
last claim 9-1
Matter ResolvedRequest
Adjourment
3654/14/2020 10:00 am19-33355 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

As of 4/3/20 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income. Income verifies $-162.66.
- Need service to Capital One Auto.

Prop Plan $833 x 60 $0
Matter ResolvedRequest
Adjourment
3794/14/2020 10:00 am19-33552 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

issues as of 4/7/2020

1) Towd Point Mortgage Trust (Milstead) (West Jack Street) objection to confirmation - need to resolve
-arrears approximately $5,257.35 CLAIM FILED, ARREARS $5199.54
THIS MORTGAGE IS NOT TREATED IN PLAN
(Jack Street property) - THIS IS 2ND MORTGAGE
2) Specialized Loan Servicing (Pluese) (Dakota Avenue) objection to confirmation - need to resolve
-estimated arrears $28,532.11 CLAIM FILED, ARREARS $28,497.49
(Jack Street property) THIS IS 1ST MORTGAGE
3) Trustee objection to confirmation - need to resolve
-need a copy of the homeowner's insurance renewal declaration - for West Jack Street - document provided expired 12/1/2019 PROVIDED RENEWAL EFFECTIVE THROUGH 12/1/2020
-the debtor has undertaken an improper use of exemption. Specifically, takes (d)(1) exemption on non residential property Dakota Avenue NEED TO AMEND SCHEDULE C TO REMOVE THIS EXEMPTION
-the debtor is not paying all disposable income into the plan - income verifies higher than scheduled PAYMENT SHOULD BE RAISED TO $530/MONTH FOR REMAINDER OF PLAN
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation - there is non-exempt equity on West Jack Street $159,156.42 (claim filed was higher) NEED TO PAY NON EXEMPT EQUITY TO GENERAL UNSECURED CREDITORS $159,156.42
-Nationstar (Dakota Avenue) claim 6 filed with arrears of $3,077.42, arrears not treated in plan - need to address
-must add to confirming order non-exempt proceeds from sale of West Jack Street to Trustee
4) Trustee reviewed and the Towd mortgage claim #10 is not treated in plan, schedules C and D should be amended to include this mortgage, plan needs to be amended to treat the arrears in the amount of $5,199.57

proposed plan $158X60 base plan with sale of West Jack Street 6 months after confirmation and loan mod on Dakota Ave 1 month
paid in $632
last claim 10-1
Matter ResolvedRequest
Adjourment
3794/14/2020 10:00 am19-33574 / MBKRUSSELL L LOW, ESQConfirmation Hearing ScheduledIncomplete Docs / Needs Resolution of IssuesDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 4/6/2020 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Need divorce settlement agreement and documents from transfer of real estate. (RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $541.67 child support (per debtor, not court ordered).
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- income verified higher than scheduled, net disposable income is $366.27
- Per bank statements balances at time of filing are higher than set forth on Schedule A/B. PNC Bank as of 11/25 (last statement before filing) $736.11; Landmark $1,043.92 statement dated 12/19/2019 (same day as filing) - the exemption per Schedule C is lower than the balance - need to amend Schedule C accordingly.
- The Landmark Bank statements dated 10/22/2019; 11/20/2019; 1/3/2020 and car insurance policy dated 12/8/2019 list debtors address as Apartment in Columbia, MO - Statement of Financial Affairs lists a previous address in Allentown, PA - no mention of Columbia, MO. (NEED CLARIFICATION)

Plan proposes: $150 x 36, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am19-33575 / MBKEric ClaymanConfirmation Hearing on Modified PlanNeeds Resolution of Issues : ObjectionsDebtor has made 2 of 4 required payments   Arrears: $706.00  
As of 4/3/20 (DS): 1. No claim filed by KACW Apts (landlord), no objection filed, bar date has passed. Will a claim be filed? Claim will be late, would need motion to allow Trustee to pay late filed claim.

2/26/20 (DS): 1. IRS filed priority claim $253.33, needs to be paid. Mod plan adds.

2. Trustee obj need 18 month prompt cure to landlord. Mod plan propose 18 month prompt cure.

3. Proof of income provided 2/13/20 for spouse verifies higher, there is disposable income $1,204.95. AMENDED SCHED I & J FILED 3/12/20

Prop Plan $706 paid, $353 x 36 $0
Matter ResolvedRequest
Adjourment
2264/14/2020 10:00 am20-10063 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 4/7/20 (SF)

If creditor objection is resolved RECOMMEND $973 X 60 (BEGIN 2/1/20) 100% PLAN
- PRESERVE THRESHOLD OF $38,815 IN CONF ORDER

Note: Calculations include higher claim filed by Santander Bank of $25,746.22

1. Objection filed by Santander Bank (Phelan) - failure to pay arrears of $25,746.22
2. Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
- Income verifies high and 22c has disposable income $2,433.13. Plan is proposing 100% to gucs.
The Schedules fail to account for the debtor(s) tax refund in the amount of $9,468 when determining disposable income.
- There is non-exempt equity of 56,652 in real property (updated: $38,815, claim is higher)

Plan proposes $973 x 60 100%
Payments: 3/3

RESOLVED ISSUES:
- A copy of the last filed tax return - 2019
- A copy of the homeowner's insurance renewal declaration - ( insurance expires 2/28/20)
- 2 months bank statement from Wells Fargo prior to filing date.
- Amendments to Schedules B and C to add 2005 Ford Explorer.
- Must file Pre-confirmation certificate. (FILED)
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-10232 / MBKMONIKA MAZURCZYKConfirmation Hearing on Modified PlanNeeds Resolution of Issues : ObjectionsDebtor has made 2 of 3 required payments   Arrears: $2,376.00  
issues as of 4/7/2020

1) A Second Modified plan before confirmation was filed 4/6/2020 - awaiting notice from Court if 5/5/2020 hearing date will be the same date for the 2nd MP
2) Debtors counsel will need to submit adjournment request with consent of the objecting creditor
3) Trustee objection to confirmation - need to resolve
-need a copy of the homeowner's insurance renewal declaration
-need Amendment to Schedule C to specifically state the dollar amount of all exemptions, 100% of fair market value is not sufficient
-the debtor has failed to provide proof of service with respect to plan motions - Cenlar/Citigroup second mortgage cram
-need amended Schedules to remove 2017 Nissan car lease and add new lease when acquired

proposed plan $2,361x2, $2376.11x58 base plan
paid in $4722
arrears $2376.11
last claim 10
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-11908 / MBKJAY B FELDMANConfirmation Hearing ScheduledContinued
5/27/2020 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/6/20 (SF)

1. 341 NOT HELD - RESCHEDULED TO 4/23/20
2. PAYMENTS: 2/2
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-11948 / MBKSCOTT E KAPLAN ESQConfirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $4,698.00  
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12155 / MBKJOSEPH CASELLO ESQConfirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 0 of 2 required payments   Arrears: $200.00  
as of 4/4/20(mk):

1. Needs a payment.
2.341 docs in & adj request for new 341 date uploaded. Once have date , need to request adj. of conf hearing.
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12198 / MBKJOAN S. WARREN, ESQ.Confirmation Hearing ScheduledContinued
5/27/2020 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/2/20 (SF)

1. 341 NOT HELD - RESCHEDULED TO 4/16/20
2. PAYMENTS: 2/2
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12210 / MBKMichael M Khalil Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $2,200.00  
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12224 / MBKMark K. Smith, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $258.00  
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12225 / MBKOTTO J KOSTBAR, ESQConfirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/6/2020 (at):

1. Objection filed by Beaver Brook Condo Association (Griffin) - plan is silent as to creditor. Claim filed is for $5,783 secured and $1,416.75 unsecured. (bifurcated claim)

2. Bank of New York Mellon filed a secured arrears claim #9 in the amount of $25,926.59. Plan proposes to pay $174.36. Is it ok to pay this claim?

3. Ford Motor Credit filed a secured arrears claim # 1 in the amount of $665.56. Plan proposes to pay $326. Is it ok to pay the higher claim?

4. Trustee's objection:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $5,425 for spouse when determining disposable income. (AVERAGED/ADDED TO INCOME)
- must file pre conf cert (NOT FILED)

Plan proposes: $200 x 60, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12255 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $400.00  
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12281 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 2 required payments   Arrears: $0  

As of 4/3/20 (DS): If amended Schedule B and C filed to add car, need to confirm at $820 x 60 begin 3/1/20 pro rata dividend to gucs, Loan mod with Chase by 8/11/20 and within 10 days must file Pre-confirmation certificate

1. Trustee obj to the following:
- Must file amended Sched B and C to add 2003 Hyundai.
- Case should be a pro rata dividend to gucs, due to proposed loan mod.

2. Must file Pre-confirmation certificate.

Prop Plan $820 x 600% and Loan mod on Fogarty Dr within 6 months of filing (8/11/20)
Note: Excess expenses moot, since other expenses are low. Cert of non-filing for 2019 tax return provided.
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12324 / MBKDavid Jerome WitherspoonConfirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $300.00  
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12346 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $300.00  
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12349 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 1 of 2 required payments   Arrears: $150.00  
issues as of 4/7/2020

1) 341 not held, rescheduled for 4/23/2020
2) Need to request adjournment of confirmation to allow 341 hearing to be held
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12365 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/6/20 (SF)

1. ATTY MUST REQUEST ADJOURNMENT OF CONFIRMATION HEARING
2. 341 NOT HELD - RESCHEDULED TO 4/23/20
3. PAYMENTS: 1/2 ARREARS: $200
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12393 / MBKDaniel I. Rubin Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12424 / MBKJEFFREY B. SAPER, ESQ.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $444.00  
As of 4/4/20(mk)

1. NO Payments.
2. No 341
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12436 / MBKMICHELLE LABAYENConfirmation Hearing ScheduledContinued
5/27/2020 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/6/2020 (at):

1. Need to request an adjournment of the confirmation hearing.
2. 341 is scheduled for 4/16/2020 .
3. Payments: 2/2
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12441 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 1 of 2 required payments   Arrears: $400.00  
As of 4/3/20 (DS): Recommend confirming at $400 x 2 begin 3/1/20, $432 x 58 begin 5/1/20 100% due to non-exempt equity $61,797.95 on real property, within 10 days must file Pre-confirmation cert and student loans to be treated outside or WAIT PASS BAR DATE 4/23/20

1. Trustee obj to the following:
- Need updated auto insurance, if not confirmed, insurance expired 3/31/20.

2. Hidden Lakes HOA filed bifurcated claim secured $2,567.51 and unsecured $2,737.64. Plan propose to pay $3,974, total claim is $5,305.15. Plan is proposing 100%.

3. Must file Pre-confirmation certificate.

Prop Plan $400 x 60 100%
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12495 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 1 of 2 required payments   Arrears: $200.00  
issues as of 4/7/2020

1) 341 hearing not held, not rescheduled
2) Wells Fargo Motion for Prospective Relief scheduled for 4/22/2020
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12511 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $1,530.00  
AS OF 4/6/2020 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis; CMA provided is from 12/- /2018. (NOT RECEIVED)
- A copy of the last filed tax return - for 2019. (NOT RECEIVED)
- 401(k) loan balance statement prior to filing date. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Food $400, Clothing $125 and Car insurance $230.
- The debtor has failed to provide proof of service with respect to Plan Motion(s). (CERT OF SERVICE NOT FILED)

Plan proposes: $765 x 60, $13,550 to guc's
Payments: 0/2, arrears $1,530
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12513 / MBKAllen I. Gorski, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $2,000.00  
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12518 / MBKLAWRENCE L ABT III ESQConfirmation Hearing ScheduledIncomplete Docs / Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/6/2020 (at):

1. The IRS filed an estimated priority claim #2 which needs to be amended.

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - Feb & March stubs for Wawa. (NOT RECEIVED)
- A copy of the last filed tax return - 2019 by 8/31/20. (NOT RECEIVED)
- Need a statement for the whole life insurance policy. (NOT RECEIVED)
- Need December and January bank statements for Municipal CU Savings acct. (RECEIVED)
- A Modified Plan that addresses treatment of 2nd mortgage held by HUD. (NOT FILED)
- Amendments to Schedules I to add child support. (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):
- Verified income leaves monthly disposable income of $1,968.68. Need update proof from Part time job at WAWA as hours are reduced and 2019 Tax refund likely will be lower. (NOT RECEIVED)
- Need to file Pre-Confirmation Certification. (NOT FILED)
- The attorney's fees in the plan and the disclosure statement do not agree. Disclosure states that fees of $4,200 will be paid outside of the plan. Plan states $4,200 will be paid through the plan. (NEITHER AMENDED)

Plan proposes: $626 x 60, 0% to guc's
Payments: 2/2
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12522 / MBKAllen I. Gorski, Esq.Confirmation Hearing ScheduledContinued
5/13/2020 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

As of 4/6/20 (DS): Debtor attorney requested adjournment to motion date

As of 4/3/20 (DS): 1. MFR filed by 21st Mortgage and sched 4/8/20, need outcome.

2. Trustee obj to the following:
- Need December and January bank statements from all accounts, December and
January pay stubs for the non filing spouse
- Must provide 2019 tax returns by 8/15/20, if not filed.
- Per 122-C there is disposable income is $2,510, which requires min. div. $150,600 to gucs. Proof of income also verifies higher, there is disposable income $3,367. Moot since plan is proposing 100%.
- Excess expenses on Sched J such as: $1,200 Food, $250 Home maintenance, $375 Cable/internet/phone and $500 Cell phones/tablets. Moot since plan is proposing 100%.
- There is non-exempt equity on real property $80,511.39.
- Must file Pre-confirmation certificate.
- Debtor's attorney must file fee app within 7 days of the entry of the confirming order.
- Must resolve objection by 21st Mortgage.

3. 21st Century obj to arrears more, POC filed, plan is proposing to pay claim in full. Total claim is $49,024.61. Trustee will pay, but obj must be resolved with creditor.

Prop Plan $100 x 2, $1,000 x 58 100%
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12528 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $500.00  
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12561 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledNeeds Resolution of Issues : ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

issues as of 4/7/2020

1) IRS priority claim 8 is estimated - need to resolve
2) Leaders Financial filed secured claim 6 for a 2004 Chevy Suburban, this claim is not treated in plan - need to either pay claim $4,291.88 or move against it
3) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income
-need amendment to schedules - Statement of Financial Affairs to include business
-the debtor is not paying all disposable income into plan - disposable income of $78.30 per Line 45 of Form 122c requires a minimum dividend of $4,698 to general unsecured creditors
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is non-exempt equity of $9,178 in real estate and non exempt equity of $80,000 in business

proposed plan $1149x60 0%
paid in $2298
last claim 10
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12562 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $840.00  
AS OF 4/3/20 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- 2 months bank statements from TD Bank checking acct prior to filing date. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Car payment $612. Will be moot since plan is proposing 100%.
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- 22c has disposable income and proof of income also verifies higher. Will be moot since plan is proposing 100%.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $8,817 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- Bank statement from Wells Fargo checking/savings account prior to filing date. (NOT RECEIVED)
- Must file Pre-confirmation certificate. (NOT FILED)

Plan proposes: $420 x 60, 100% to guc's
Payments: 0/2, arrears $840
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12582 / MBKSTEVEN J ABELSON, ESQConfirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12680 / MBKSTEPHANIE SHRETER, ESQConfirmation Hearing ScheduledContinued
5/27/2020 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $400.00  
AS OF 4/3/2020 (at):

1. Need to request an adjournment of the confirmation hearing.
2. 341 hearing is scheduled for 4/30/20.
3. Payments: 1/2, arrears $400
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12792 / MBKKarina Pia Lucid Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $1,640.00  
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12828 / MBKPRO SEConfirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 2 required payments   Arrears: $306.00  
As of 4/2/20 (DS):
- Debtor has not made any payments, arrears $612.50, 0 out of 2 payments.

- Trustee obj to the following:
1. Need the following docs:
- 2 months income from employment and Uber income (if Debtor is even working as Uber driver)
- Business Profit and Loss for 3 months prior to filing date.-. Bank statements from all bank accts 2 months prior to filing date.
- Auto insurance.
2. Amendment to Schedule B and C to add the value for the 2015 Hyundai Sonata and Schedule E to add IRS.
3. Plan divides unsecured claims into classes with no rational basis and discriminates
unfairly against a class in violation of 11 U.S.C. ? 1322(b)(1). Specifically: creditors listed
in Part 4b of the Plan.
4. Need to add to confirming order Trustee standard order of distribution.
5. Must file Pre-confirmation certificate.

Prop Plan $306.25 x 48 100%
Matter ResolvedRequest
Adjourment
04/14/2020 10:00 am20-12918 / MBKEric ClaymanConfirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $450.00  
Matter ResolvedRequest
Adjourment
04/14/2020 11:00 am14-17571 / KCFPRO SEAP Motion Summary JudgmentJudge to Reserve Decision
Matter ResolvedRequest
Adjourment
04/14/2020 11:00 am20-14322 / CMGPRO SEOrder Show CauseJudge to Reserve Decision
FILING FEES
Matter ResolvedRequest
Adjourment
04/14/2020 11:00 am20-14523 / CMGBARRY J ROYOrder Show CauseJudge to Reserve Decision
MISSING DOCS
Matter ResolvedRequest
Adjourment
2124/14/2020 2:00 pm19-12655 / MBKEdward Hanratty, Esq.Motion CompensationNeeds Resolution of Issues : Objections
Trustee Obj
Matter ResolvedRequest
Adjourment
04/14/2020 2:00 pm19-19301 / MBKAllen I. Gorski, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $45,000.00
Matter ResolvedRequest
Adjourment
2154/14/2020 2:00 pm19-24097 / MBKEdward Hanratty, Esq.Motion CompensationNeeds Resolution of Issues : ObjectionsTotal Paid In: $2,982.00
Trustee Obj - need comprehensive hourly services rendered (SUPPORT DOC #45 DOES NOT CLEAR UP THE ISSUE - The 1st Fee App in an hourly case should include time from the beginning (3/22/18) through the closing date of the request (12/26/19) subtracting from the total what was paid outside ($1,000 per Disclosure) for a net total to be paid through the plan)
Matter ResolvedRequest
Adjourment
04/14/2020 2:00 pm19-26727 / MBKMARK GOLDMAN, ESQMotion CompensationNo Opposition FiledTotal Paid In: $2,860.00
Matter ResolvedRequest
Adjourment
04/14/2020 2:00 pm19-28847 / MBKJustin M. Gillman, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $2,015.00
Matter ResolvedRequest
Adjourment
04/14/2020 2:00 pm19-29815 / MBKEdward Hanratty, Esq.Motion CompensationNeeds Resolution of Issues : Objections
Trustee Obj
Matter ResolvedRequest
Adjourment
04/14/2020 2:00 pm19-30455 / MBKJustin M. Gillman, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $1,965.00
Matter ResolvedRequest
Adjourment
04/14/2020 2:00 pm19-32077 / MBKMarc C. Capone, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $8,625.00
Matter ResolvedRequest
Adjourment
04/14/2020 2:00 pm20-11143 / MBKBrian Gregory HannonMotion CompensationNo Opposition Filed
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes