Judge Christine M. Gravelle
Hearing Date: 4/21/2021
Hearing Count: 155
Last Updated: 04-22-2021 07:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
14/21/2021 9:00 am15-33799 / CMGANDREW B FINBERG ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $12,000.00
AMT: PIF/PENDING CLOSING AUDIT<<<>>>4

FAILED TO PAY PLAN BALANCE
Matter ResolvedRequest
Adjourment
24/21/2021 9:00 am16-10196 / CMGAllen I. Gorski, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/16/2021 9:00 am
Total Paid In: $58,575.00
(AMT: - atty resolving PHH reserves)<<>>

Debtor obj, making TFS pymts<>FAILED TO PAY PLAN BALANCE



Matter ResolvedRequest
Adjourment
34/21/2021 9:00 am16-11049 / CMGROBERT C NISENSON ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Order to be SubmittedTotal Paid In: $65,761.00

TRUSTEE ORDER OTBS Debtor obj, proposed plan was pot base but confirmed at 100%<>FAILED TO PAY PLAN BALANCE

mk:debtor says MP confirmed by mistake at 100%- where have you been - that was done in Feb 2017 if it was not correct, then you should have moved to amended the confirming Order.
see support at #98 and email chain attached to case

> Plan Expired now in mo 63. Creditor Cert of default also on 4/21/21( email from S. Kelly, esq(Caliber)- loan service transferred- he needs 30 days to track down new service & see if can resolve)
Matter ResolvedRequest
Adjourment
44/21/2021 9:00 am16-11049 / CMGROBERT C NISENSON ESQCreditor Certification of DefaultContinued
5/19/2021 9:00 am
Total Paid In: $65,761.00
Debtor obj, current<>CALIBER HOMES ( Stern & E)

>>4/20/21:MK; email for lender atty( S. Kelly) loan service was transferred- he requested an adj to track it down and try to resolve
- I told him need to keep this on so it can be held w/ TR motion . Told Mr. Kelly he doe not need to appear and I will advise him of adj. tomorrow after case is called.

TR ARREARS>> TR MOTION ALSO ON 4/21
Plan expired- in mo 63
Matter ResolvedRequest
Adjourment
54/21/2021 9:00 am16-11164 / CMGPRO SEMotion Reopen Ch. 13 Case (fee)Granted
MTN TO REOPEN TO ALLOW CERT IN SUPPORT TO BE FILED
Matter ResolvedRequest
Adjourment
64/21/2021 9:00 am16-11321 / CMGPATRICK MOSCATELLO, ESQMotion to Cancel and DischargeGranted
MTN TO CANCEL DISCHARGE/WACHOVIA-WELLS FARGO BANK ($56,000)
This is 3rd Mtg stripped off in plan
Matter ResolvedRequest
Adjourment
74/21/2021 9:00 am16-11321 / CMGPATRICK MOSCATELLO, ESQMotion to Cancel DischargeGranted
MTN TO CANCEL DISCHARGE/ WACHOVIA BANK-WELLS FARGO ($124,000)2nd mtg
stripped in plan
Matter ResolvedRequest
Adjourment
84/21/2021 9:00 am16-11321 / CMGPATRICK MOSCATELLO, ESQMotion to Cancel and DischargeGranted
MTN TO CANCEL DISCHARGE/BOA-CAVALRY(J'Ment)
Matter ResolvedRequest
Adjourment
94/21/2021 9:00 am16-13293 / CMGSCOTT E KAPLAN ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $35,414.00
AMT: Funds posted/pending closing audit<<>>

Debtor obj<>FAILED TO PAY PLAN BAL
Matter ResolvedRequest
Adjourment
104/21/2021 9:00 am16-13502 / CMGTHOMAS J ORR ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $39,381.00
MK: Plan paid off
Matter ResolvedRequest
Adjourment
114/21/2021 9:00 am16-15423 / CMGANDRE KYDALAMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $34,303.00
AMT: PIF/PENDING CLOSING<<>>

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

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

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

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

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


Debtor obj<>ARREARS; FEASIBILITY
Matter ResolvedRequest
Adjourment
124/21/2021 9:00 am16-19143 / CMGStephen M. Zullo Motion to Determine Final CureContinued
5/5/2021 9:00 am

4/21/21(MK: sent email to both attys Re no appearance and PP order w/ conflicting lang.- needs a revised order for 1 or the other relief- if hear noting will file formal obj. to proposed Order

Mk : contact attys need to resolve or appear


MTN TO DEEM M&T MTG CURRENT OR FIX THE AMOUNT NEEDED TO CURE (PP DEFAULT)

4/16/21:MK: Order is inconsistent- parag 1 says mtg is deemed cured.
Then parag 2 says amt needed to cure is ______ and leaves a blank for an amt to be put in to cure and upon payment, Mtg will be deemed current?

>>emailed R. Gerbino for creditor- Is he going to file opp'n?


Tr filed Notice of Final Cure #30. Creditor filed response -pre pet current- post pet. delinquent
Matter ResolvedRequest
Adjourment
134/21/2021 9:00 am16-22254 / CMGKirsten B. Ennis Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $19,694.00
Debtor obj<>PENNYMAC (POWERS)

mk: order submitted 4/20/21
Matter ResolvedRequest
Adjourment
144/21/2021 9:00 am16-23473 / CMGPAUL H YOUNGMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $13,620.00
4/21 AMT: Status Ch filed/settled<<<>>>

Debtor obj, made pymts<>WILMINGTON SAVINGS (HLADIK, ONORATO)
Matter ResolvedRequest
Adjourment
154/21/2021 9:00 am16-25935 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $26,359.00
AMT: CURRENT<<>>

4/6/21(mk): debtor sent screen shot of 2500 TFS payment today- this will bring them current but needs to post- Takes 5-7 days

Debtor obj, will bring current<>

3/31/21(mk): ARREARS $1,740. 4 mos left in plan as of 4/1/21
>>Atty email says can bring current by end of march- expecting commission ck


(2) Creditor's cert of default(Santander) on 4/7/21.
1 on 7/5/18 Order & 1 on8/30/19 Order.
Matter ResolvedRequest
Adjourment
164/21/2021 9:00 am16-32237 / CMGJEFFREY H WARDMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/5/2021 9:00 am
Total Paid In: $50,453.00
4/16/21(mk) ARREARS 3,868.99. Made a march payment. email to atty- He trying to reach client.

$50,453.39 PTD(53 mos) then 2,127 x 7 begin 5/1/21 Unless there is an April payment on way
Matter ResolvedRequest
Adjourment
174/21/2021 9:00 am16-32333 / CMGROBERT C NISENSON ESQMotion Relief from Stay (Fee)WithdrawnTotal Paid In: $19,887.00
Debtor obj<>NORTH POINTE HOLLOW (STARK & STARK)
Matter ResolvedRequest
Adjourment
184/21/2021 9:00 am16-33457 / CMGDAVID A. SEMANCHIK, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/19/2021 9:00 am
Total Paid In: $39,968.00
4/16/21(mk: MP filed today. Needs adj request for Tr Motion.

4/12/21(mk): Atty email says debtor going to file MP per cares act & extend for 6 mos.- ck to see if filed

4/9/21(mk): heard from atty- debtor is trying- will make payments but will prob be late w/ them. The March payment has posted so #s change for PTD- I asked atty if debtor can make any payment for April & then I can recalculate for a TR order w/ moly payments begin 5/1/21.



AMT: PPSD RECAP: $37,368 PTD (50); $2,600 (March); $1,137 X 9 BEG 4/1/21 (email to debtor & atty)<<<>>>

ARREARS
Matter ResolvedRequest
Adjourment
194/21/2021 9:00 am16-34651 / CMGJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $190,044.00
4/15 AMT: FUNDS POSTED/PENDING CLOSING AUDIT<<>>

3/31/21(mk): email to atty- $ coming to trust acct then will send trust acct ck to TN- need short adj for it to post

AMT: NTC OF SETTLEMENT TO BE FILED FOR INHERITANCE/<<>.

ARREARS

NTC Of Settlement: will pay 44,820 for arrears and remaining balance , Then pay extra #25 for inheritance for gucs
Obj deadline on NTC is 3/30/21
Matter ResolvedRequest
Adjourment
204/21/2021 9:00 am17-11936 / CMGJONATHAN GOLDSMITH-COHEN, ESQMotion to Purchase Real PropertyGrantedTotal Paid In: $41,519.00
>>OST<<

MTN TO PURCHASE 1246 HAMILTON CT

>>ALL 3 matters #20 ON CALENDAR
Matter ResolvedRequest
Adjourment
204/21/2021 9:00 am17-11936 / CMGJONATHAN GOLDSMITH-COHEN, ESQMotion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $41,519.00
MTN TO PURCHASE 1246 HAMILTON CT
Matter ResolvedRequest
Adjourment
204/21/2021 9:00 am17-11936 / CMGJONATHAN GOLDSMITH-COHEN, ESQOrder Shorten TimeGrantedTotal Paid In: $41,519.00
Matter ResolvedRequest
Adjourment
224/21/2021 9:00 am17-17285 / CMGKirsten B. Ennis Creditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $27,020.00
4/16/21: CO submitted today - adds post pet $9,153.15 to plan

Debtor obj, filing MP<> WELLS FARGO (Shapiro)

TR ARREARS MTN 4-21
>>MP on 4/21/21--ISSUES<<
Matter ResolvedRequest
Adjourment
214/21/2021 9:00 am17-17285 / CMGKirsten B. Ennis Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $27,020.00
MP(#49) filed on for 4/21/21. Covid extension>>HR<<


Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
234/21/2021 9:00 am17-18142 / CMGANDRE L KYDALA ESQMotion for Exemption from Financial Management CourseGranted
Matter ResolvedRequest
Adjourment
244/21/2021 9:00 am17-23334 / CMGSTEVEN J ABELSON, ESQMotion Relief from Stay (Fee)Continued
5/5/2021 9:00 am
Total Paid In: $24,674.00
Debtor obj<>SELECT PORTFOLIO (MILSTEAD & ASSOC)

4/20/21:mk: needs 2 weeks to resolve
Matter ResolvedRequest
Adjourment
254/21/2021 9:00 am18-22477 / CMGWilliam H. Oliver, Jr., Esq.Trustee Certification of DefaultContinued
5/5/2021 9:00 am
Total Paid In: $7,286.00
Debtor obj, filing MP<>ARREARS


adj to 5/5/21 for filing of MP
Matter ResolvedRequest
Adjourment
264/21/2021 9:00 am18-24073 / CMGKirsten B. Ennis Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $38,980.00
3/31/21(mk): large payment posted - current thru April now

ARREARS
Matter ResolvedRequest
Adjourment
274/21/2021 9:00 am18-29247 / CMGMarc C. Capone, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $28,000.00
Debtor obj<>FAY SERVICING (Friedman Vartolo) tr ARREARS

4/20/21:Resolution Details:
Debtor will make $3000 payment this month and remaining arrears balance (approx $6840.36) will be put in a modified plan. Regular mortgage payments resume 5/1/21. 30 day default. Fees and costs included in plan
Matter ResolvedRequest
Adjourment
284/21/2021 9:00 am18-30484 / CMGJOSEPH I WINDMAN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $30,829.00
AMT: MP 4/7>

SV/ALLY; ARREARS
Matter ResolvedRequest
Adjourment
294/21/2021 9:00 am18-33405 / CMGDaniel Straffi, Esq.Motion Relief from Stay (Fee)Continued
5/5/2021 9:00 am
Total Paid In: $76,253.00
Debtor obj<>CITIMORTGAGE (POWERS)
Matter ResolvedRequest
Adjourment
304/21/2021 9:00 am18-33405 / CMGDaniel Straffi, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramContinued
5/5/2021 9:00 am
Total Paid In: $76,253.00
Citimtg obj (Powers)<>MTN TO LOSS MIT/CENLAR
Matter ResolvedRequest
Adjourment
314/21/2021 9:00 am19-10868 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $17,093.00
MP on for 4/21/21>>HR<<


Debtor obj, making pymts, filing MP<> ARREARS
Matter ResolvedRequest
Adjourment
324/21/2021 9:00 am19-11108 / CMGKirsten B. Ennis Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/5/2021 9:00 am
Total Paid In: $46,000.00
3/31/21:pd 600 in feb. will pay 4,000 today , then 2,000 4/15/21 :then $4000on 4/30. adj to post

ARREARS
Matter ResolvedRequest
Adjourment
334/21/2021 9:00 am19-12450 / CMGJOHN ZIMNIS, ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $21,411.00
4/20/21(mk): debtor atty says resolved- creditor to file status change - OTBS

Debtor obj<>CENLAR (STERN LAVINTHAL & FRANKERBERG)
Matter ResolvedRequest
Adjourment
344/21/2021 9:00 am19-13805 / CMGEUGENE ROTH, ESQMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $49,945.00
4/20/21(mk): dispo email form J. Morton- OTBS

Debtor obj<>SANTNADER CONSUMER (MORTON)
Matter ResolvedRequest
Adjourment
354/21/2021 9:00 am19-16656 / CMGAndrew Thomas Archer Order Shorten TimeGrantedTotal Paid In: $9,737.00
>>OST<<

610 CLINTON AV

>>4/13/21:Counsel submitted a revised order- added lang to pay100%


TR obj: order to provide that proceeds form sale be paid to Tr sufficient to cover 100% div to gucs then case can be paid off at 100% and closed early
Matter ResolvedRequest
Adjourment
364/21/2021 9:00 am19-17960 / CMGSTEPHANIE RITIGSTEINCreditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $15,150.00
Debtor obj<>BANK UNITED (Hill Wallack)

4/16/21(mk): Order submitted to chambers today.
Matter ResolvedRequest
Adjourment
374/21/2021 9:00 am19-21696 / CMGEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $22,742.00
Debtor obj, can make a pymt<> ARREARS $1,563. as of 4/16/21. Last pay 4/9/21

Recap: $22,741.52 ptd(22mos), Then $1,342 X 38 BEGIN 5/1/21.email to atty- OK to Terms
Matter ResolvedRequest
Adjourment
384/21/2021 9:00 am19-22015 / CMGGeorge E Veitengruber IIIMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $14,047.00
U.S. BANK NAT'L ASSOC (PLUESE, BECKER)

>>4/20/21(Mk): Per debtor atty- will be marked OTBS- Creditor confirms this & will file status change to settled & OTBS
Matter ResolvedRequest
Adjourment
394/21/2021 9:00 am19-23753 / CMGDaniel Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $4,200.00
4/16/21(mk): need status of LM- email to atty- Rec'd LM- LETTING CASE GO

3/11/21(mk): NEED STATUS OF LM. trial loan completed- waitng to hear from bank

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

FAILED TO LM BY 2/1/20.

Debtor Opp'n- LM is under review- Order extending LM to 11/9/20 entered 8/18/20.
Matter ResolvedRequest
Adjourment
404/21/2021 9:00 am19-24685 / CMGYAKOV RUDIKHMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/19/2021 9:00 am
Total Paid In: $12,247.00
TO BE TRANSFEERED TO JUDGE KAPLAN FOR OSC IN MAY

4/16/21(mk):ARREARS $7,689. Last pay 10/20/20

Atty wants to Dismiss- PER AR- ATTY MUST APPEAR- HOLD FOR NOON FOR JUDGE
Matter ResolvedRequest
Adjourment
414/21/2021 9:00 am19-24822 / CMGBRIAN S THOMAS ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $6,625.00
Debtor obj<>NISSAN MOTOR (STEWART LEGAL)


Consent order vacating the automatic stay has been submitted.

Matter ResolvedRequest
Adjourment
424/21/2021 9:00 am19-25382 / CMGSTEPHANIE RITIGSTEINMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $3,808.00
4/13/21(mk): Recap $3,808 PTD(20 mos) Then $337 x 40 begin 5/1/21- email to Rhondi- OK to terms


3/11/21(MK): atty email- wants recap Begin April 1,2021
Told atty to have him make a payment - then I would recap.

ARREARS
Matter ResolvedRequest
Adjourment
434/21/2021 9:00 am19-25976 / CMGROBERT C NISENSON ESQMotion Relief from Co-Debtor StayContinued
5/5/2021 9:00 am
Total Paid In: $16,217.00
4/20/21(mk) email from B. Caine- settlement offer circulating- needs 2 weeks to resolve

AMT: MP confirmed 1/20/21 added $32,442.60 pp arrears and required consent order to be filed within 30 days. No order entered and claim on reserve<<<>>>

Debtor obj<>M&T BANK (PARKER McCAY)
Matter ResolvedRequest
Adjourment
444/21/2021 9:00 am19-26203 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $10,329.00
4/19/21(mk); STILL NO PAYMENT POSTED FOR APRIL AS OF TODAY

>>RECAP is $10,329 PTD(20 mos) Then $747 x 40 begin 5/1/21

4/6/21:atty says debtor pd 750- has not posted- if it does- #s below will chg- may want to adj to 4/21



Debtor obj, made pymt<> ARREARS $2,329 as of 4/1/21.
made recent payments in Feb. & march
Matter ResolvedRequest
Adjourment
454/21/2021 9:00 am19-26847 / CMGDaniel Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $6,500.00
4/16/21(mk): ARREARS $8,500. Last pay 9/28/20.

>>MFR filed By Freedom Mtg & on for 5/5/21
Matter ResolvedRequest
Adjourment
464/21/2021 9:00 am19-26945 / CMGAndrew Thomas Archer Creditor Certification of DefaultContinued
5/5/2021 9:00 am
Total Paid In: $5,500.00
Debtor obj<> BANK OF NEW YORK MELLON ( Parker McCay)

4/19/21: adj to 5/5/21- need time for $ to post
Matter ResolvedRequest
Adjourment
474/21/2021 9:00 am19-26989 / CMGPETER E ZIMNIS, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/5/2021 9:00 am
Total Paid In: $9,700.00
3/29/21(mk): MP ON 5/5/21.

12/29/20(mk):made Dec payment. Got Trial LM (Payments: Feb.March & April)& COD was resolved COTBS. Need to file New MP - will w/d MP #33 on for 1/6/21

12/1/20:mk: atty said after this was reworked - creditor filed a COD- NOW THAT IS COTBS
AMT: MP 1/6/21<<<>>>

10/20/20: adj requested; debtor was ill .Wants 4 weeks. Mp also on & adj requested

10/2/20(mk): MP on for 10/21/20***RECOMMEND DENIED****

9/15/20(mk): debtor furloughed just resumed work now can file MP

As of 9/10/20(mk): Motion was adj from July to 9/16/20. NO MP Filed

Debtor obj<>PLAN WILL NOT COMPLETE TIMELY DUE TO CITY OF SALEM CLM#10-1, HIGHER THAN PROPOSED IN PLAN; FAILED TO FILE AMD SCH C PROVIDE CMA/APPRAISAL FOR DAVID AVE PPTY BY 12/15/19(have zillow values)

Debtor obj says: am presently furloughed / may file a post covid plan and certification. A modified plan will be filed under either scenario to adjust the payment to reflect the proof of claim amounts. Finally, I will not be amending Schedule C because the FMV of the house is less than the principal of the taxes due to Sale.
Matter ResolvedRequest
Adjourment
484/21/2021 9:00 am19-27489 / CMGEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/5/2021 9:00 am
Total Paid In: $4,298.00
MP(#72) on 5/5/21.

mk: per atty had to W/D MP- it was error- will file new one

>>MP on 3/3/21- REC DENIAL<<

1/29/21(mk): email to Atty, RS for status- MP filed today surrenders RE. MP hearing 3/3/21

adj to 2/3/21

AS OF 11-27 NO MP FILED AND SV by PHH/HSBC on 11-19

Debtor obj, filing MP to extend deadline; providing 2019 tax ret<>FAILED TO MP BY 7/31/20;

FAILED TO PROVIDE 2019 TAX RETURN--AR 2019 RETURN SUBMITTED
Matter ResolvedRequest
Adjourment
494/21/2021 9:00 am19-27683 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/19/2021 9:00 am
Total Paid In: $19,000.00
Debtor obj<>FAILED TO RESOLVE NJ DIV TAX EST CL #17-1

>Debtor filing motion to Modify POC- returns filed
Matter ResolvedRequest
Adjourment
504/21/2021 9:00 am19-28641 / CMGSTEPHEN M GOLDBERG, ESQMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)GrantedTotal Paid In: $7,500.00
4/20/21(mk): MP filed & Amended I & J
POI uploaded.

4/5/21(mk): emailed atty- will adj this motion- atty to filed MP & amended I & J and POI. atty agreed

3/8/21(mk): TR Objection filed.

4/5/21: atty reply- she uploaded new order in 13 docs. It provides for MP & amended I & J w/in 14 days
Matter ResolvedRequest
Adjourment
514/21/2021 9:00 am19-28769 / CMGJOHN ZIMNIS, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $2,850.00
4/14/21(mk): Debtor paid up

Debtor obj, will have funds<> ARREARS
Matter ResolvedRequest
Adjourment
524/21/2021 9:00 am19-28795 / CMGSTEVEN J ABELSON, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/19/2021 9:00 am
Total Paid In: $3,600.00
MP Filed on for 5/19/21

Debtor obj, filing MP<>SV/VW #5-1
Matter ResolvedRequest
Adjourment
534/21/2021 9:00 am19-28881 / CMGAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $14,936.00
SV/NATIONSTAR #2-1; ARREARS $3,466 as of 4/16/21. last pay 1/4/21.
Matter ResolvedRequest
Adjourment
544/21/2021 9:00 am19-29587 / CMGKurt E. Reinheimer, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $9,783.00
MTN APPROVING POST-PET FINANCING
Matter ResolvedRequest
Adjourment
554/21/2021 9:00 am19-30150 / CMGKevin Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $4,725.00
AMT; MP 4/21<< HR<>>>

Debtor obj, filing MP<> NEEDS TO ADDRESS IRS PER PLAN CLM; ARREARS
Matter ResolvedRequest
Adjourment
564/21/2021 9:00 am19-30209 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $9,558.00
4/16/219mk); ARREARS $8,106. Last pay 9/29/21.

>>MFR( Santander) also on 4/21/21.(#57)

Matter ResolvedRequest
Adjourment
574/21/2021 9:00 am19-30209 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $9,558.00
SANTANDER CONSUMER (MORTON)
Matter ResolvedRequest
Adjourment
584/21/2021 9:00 am19-30386 / CMGPETER E ZIMNIS, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $3,631.00
3/22/21. MP Filed. ON 4/21/21>>Honor Roll<<


Debtor obj<>FAILED TO FILE MP AND AMD J W/I 14 DAYS OF 12/25/20 LM ORDER; FAILED TO COMPLY WITH PROVISION OF CONF TO PROVIDE TRUSTEE WITH UPDATED UNEMPLOYMENT STATUS BY 2/1/21; NEEDS TO ADDRESS FEASIBILITY RE APOC #6-2
Matter ResolvedRequest
Adjourment
594/21/2021 9:00 am19-30498 / CMGDavid L. Stevens Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/2/2021 9:00 am
Total Paid In: $11,600.00
4/20/21(MK):told atty- I want to adj this to 6/2/21 date of MP.

4/19/21(mk); MP filed(proposes tiers-there will be feasibility issue on this)-- Hearing date will be 6/2/21.

4/6/21:mk: request to adj 2 weeks to 4/21/21 for MP to be filed

ARREARS $16,000 as of 4/1/21. Last pay 8/5/20

debtor opp'n: Covid affected- will file MP
Matter ResolvedRequest
Adjourment
614/21/2021 9:00 am19-30892 / CMGJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Continued
5/5/2021 9:00 am
Total Paid In: $13,350.00
Debtor obj<>VW CREDIT (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
604/21/2021 9:00 am19-30892 / CMGJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Continued
5/5/2021 9:00 am
Total Paid In: $13,350.00
Debtor obj<>VW CREDIT (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
624/21/2021 9:00 am19-31013 / CMGSTEPHANIE RITIGSTEINMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $3,588.00
4/20/21(mk): 1,400 payment
Matter ResolvedRequest
Adjourment
634/21/2021 9:00 am19-32045 / CMGEUGENE ROTH, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/2/2021 9:00 am
Total Paid In: $10,418.00
4/14/21(mk): per atty- got LM- filing motion & Mp after to surrender auto that has SV

SV/AMERICREDIT: FAILED TO LM BY 9/3/20

11/120/20:>>Debtor was just offered a Trial LM- last trial payment 3/1/21.will upload adj request

>debtor surrendered car to AmeriCredit unsecured POC (6-1)is for deficiency - ATTY WILL PROVIDE FOR SURRENDER IN MP FILED AFTER DEBTOR GETS PERM. LM.
Matter ResolvedRequest
Adjourment
644/21/2021 9:00 am19-32052 / CMGKarina Pia Lucid Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/5/2021 9:00 am
Total Paid In: $35,812.00
adj to 5/5/21 for filing of Mp

Debtor obj, filing MP<>ARREARS $24,351. made march payment $4,522

4/16/21: No MP filed yet
Matter ResolvedRequest
Adjourment
654/21/2021 9:00 am19-32298 / CMGSCOTT E. TANNE, PC.Motion Relief from Co-Debtor StayContinued
5/5/2021 9:00 am
Total Paid In: $14,486.00
Debtor obj<>HOME POINT FINC (ROBERTSON, ANSSHUTZ)
Matter ResolvedRequest
Adjourment
664/21/2021 9:00 am19-33391 / CMGEUGENE ROTH, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/2/2021 9:00 am
Total Paid In: $1,397.00
4/20/21(MK): ATTY PROVIDED A K OF SALE for RE- will pay of 100%-need to file motion to Approve- Need Order on the MFR from Dec -


4/16/21(mk: Need Status -still no order on MFR form dec. the order vacting stay was vacated..so what's going on?

Debtor obj<>FAILED TO SELL DIAMOND LANE PPTY BY 11/20/20; 12/2/20 MFR WAS "OTBS", NO ORDER ENTERED

3/11/21: atty email: RE needed repairs in Order to be ready for sale. will be done w/in a week or 2. Then prop. will be listed for sale. Sale will result in 100%
Matter ResolvedRequest
Adjourment
674/21/2021 9:00 am19-33640 / CMGRUSSELL L LOW, ESQTrustee Certification of DefaultContinued
5/19/2021 9:00 am
Total Paid In: $7,841.00
mk: creditors cert of default also filed- debtor obj. will be heard 5/19

4/5/21(mk): atty says debtor made payment 1200. Needs to post- adj to allow and do recap for next hearing

Atty filed obj, needs time to contact debtor<> ARREARS $4,955 as of 4/1/21. last pay 11/16/20.
Matter ResolvedRequest
Adjourment
684/21/2021 9:00 am19-33649 / CMGRUSSELL L LOW, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/19/2021 9:00 am
Total Paid In: $2,077.00
4/5/21(mk): wiil adj to allow motion to be filed

NEEDS TO ADDRESS BANK OF NY MELLON #6-1 (UNSECURED CL FOR PPTY NOT LISTED ON DEBTORS SCHEDULES

>debtor opp'n: debtor previously owned the property at 120 Christian Ct Hertford, NC
27944 and lost the property to foreclosure prior to filing bankruptcy

>>NEEDS TO MOVE AGAINST CLAIM?
Matter ResolvedRequest
Adjourment
694/21/2021 9:00 am19-33807 / CMGCANDYCE I SMITH-SKLAR, ESQTrustee Certification of DefaultTrustee OrderTotal Paid In: $3,540.00
4/16/21(mk):email to atty-Ok To Terms

payments posted: Recap is $2,940 PTD(16 mos) Then $428 x 44 Begin 5/1/21; Debtor must sign up for Ewage



4/5/21(mk): atty uploaded proof of 2 money orders for $600 each. will adj to 4/21/21 to post and recap- will need Ewage

Debtor obj, making pymt & requests recap<> ARREARS $2,778. last pay 10/27/20.

>>Needs a good faith payment before recap.
Matter ResolvedRequest
Adjourment
704/21/2021 9:00 am20-10066 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $11,184.00
Debtor obj<>NATIONSTAR/MR. COOPER (LOGS LEGAL GROUP)

Resolution Details:
Post-petition arrears $22,889.06 to be paid in Plan. The Trustee shall amend his records to reflect same.
Matter ResolvedRequest
Adjourment
714/21/2021 9:00 am20-10176 / CMGJOSEPH ALBANESE, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/2/2021 9:00 am
Total Paid In: $4,544.00
FAILED TO LM BY 12/2/20; FAILED TO FILE FEE APP WITHIN 60 DAYS OF 12/1/20 CONF ($500 PPSD IN MP


>Debtor opp'n Just rec'd perm LM-MK: told atty to request adj of TR motion and file Motion to Approve LM & Fe app
Matter ResolvedRequest
Adjourment
724/21/2021 9:00 am20-10563 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $10,981.00
Debtor obj<>PHH MTG/DEUTSCHE (ROBERTSON, ANSCHUTZ)

4/20/21(mk):Resolution Details:
OTBS - Debtor to make lump sum to cure arrears prior to 4/30/21.
Matter ResolvedRequest
Adjourment
734/21/2021 9:00 am20-10741 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/19/2021 9:00 am
Total Paid In: $14,894.00
4/21/21:mk: atty said proceeds of estate not fully liquidated yet- Atty to provide informal accounting as to what has been distributed to debtor & what remains

mk:4/20/21: adj request ed to MP date 5/19/21- emailed atty as to status of estate proceeds.
REPLY:
That's the whole reason for the modified plan. Original confirming order provided for turnover of the non-exempt proceeds of the inheritance. However, with COViD, he now has concerns about his future income and so he prefers to proceed with his plan rather than seeking an early payoff.
So, with his non-exempt assets exceeding his claims, we have filed the modified plan seeking to pay 100 percent to his creditors, rather than turning over any assets to pay off the claims



MP filed 4/9/21- ON FOR 5/19/21.extends plan due to Covid- no mention of estate proceeds

>> STILL NEED STATUS ON TURNOVER OF NE PROCEEDS FROM ESTATE PER CONF ORDER BACK IN AUGUST 2020. TURNOVER WAS TO BE BY 2/5/21<<



FAILED TO TURN OVER N/E PROCEEDS FROM MOTHER'S ESTATE BY 2/5/21; FAILED TO RESOLVE EST IRS CLM #1-1 BY 8/15/20
Matter ResolvedRequest
Adjourment
744/21/2021 9:00 am20-11183 / CMGTIMOTHY P KANE ESQTrustee Certification of DefaultContinued
5/19/2021 9:00 am
Total Paid In: $12,012.00
mk: MP filed & on for 5/19/21- told atty to upload adj request to adj this to 5/19/21

Debtor obj,filing MP<>ARREARS
Matter ResolvedRequest
Adjourment
754/21/2021 9:00 am20-11780 / CMGJustin M. Gillman, Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)Continued
5/5/2021 9:00 am
Total Paid In: $4,200.00
Finance of America obj (Mattleman)<> LAKESIDE DR

mk: debtor request adj to address obj by creditor.
creditor not in agreement with value- getting appraisal
Matter ResolvedRequest
Adjourment
764/21/2021 9:00 am20-12220 / CMGDaniel Straffi, Esq.Creditor Certification of DefaultContinued
6/2/2021 9:00 am
Total Paid In: $4,500.00
Debtor obj<>CENLAR (Powers)

>TR Motion on 4/21/21

MP Filed 1/13/21:trying to extend LM period. If denied, plan then calls for sale/refi
adj several times - now on 4/21/21: Rec Denial
Matter ResolvedRequest
Adjourment
774/21/2021 9:00 am20-12220 / CMGDaniel Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/2/2021 9:00 am
Total Paid In: $4,500.00
mk: aty has payment of 500

AMT: MP 4/21<>>
no payments for March & April & credit dert of default on 4/21 and obj to conf.

----

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

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

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

debtor in final LM review

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

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

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


Matter ResolvedRequest
Adjourment
784/21/2021 9:00 am20-12542 / CMGRUSSELL L LOW, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $6,680.00
Atty filed response, contacting debtor (WITHDRAWN)<>ARREARS $5,982 as of 4/16/21. Last pay 10/15/20.

dbetor obj w/d
Matter ResolvedRequest
Adjourment
794/21/2021 9:00 am20-13668 / CMGSTEPHANIE SHRETER, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/19/2021 9:00 am
Total Paid In: $2,275.00
Debtor obj<>FAILED TO LM BY 2/4/21

>>MK: Filed a Motion to Participate in Loss mit- On 5/19/21.
Matter ResolvedRequest
Adjourment
804/21/2021 9:00 am20-14922 / CMGMelissa Y. Spears, Esq.Motion Relief from Stay (Fee)Continued
5/5/2021 9:00 am
Total Paid In: $33,686.00
4/20/21:MK: parties may want to adj. for payment history.

Debtor obj<>PNC BANK (MARTONE & UHLMANN)
Matter ResolvedRequest
Adjourment
814/21/2021 9:00 am20-15365 / CMGEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/2/2021 9:00 am
Total Paid In: $2,180.00
4/8/21(mk): Order entered resolving objection by New Rez- LM by 5/15/21- adj this till 6/2 to see if got LM


4/6/21(mk): Order sent to creditor waiting t ofr it back- says LM by 5/15/21

3/16/21:(mk) Have a CO circulating- just needs signatures- extends LM to 5/15/21, Adj 2 weeks for CO to be entered.

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

Debtor obj<>FAILED TO LM BY 11/30/20; FAILED TO FILE CONS ORDER RESOLVING NEW REZ OBJ WITHIN 14 DAYS OF 10/7/20 CONF
Matter ResolvedRequest
Adjourment
824/21/2021 9:00 am20-15769 / CMGBRIAN S THOMAS ESQMotion Relief from Stay (Fee)Continued
5/19/2021 9:00 am
Total Paid In: $3,664.00
Debtor obj<>ALLY CAPITAL (LAVIN, CEDRONE)

MK; working on resolution.
Matter ResolvedRequest
Adjourment
834/21/2021 9:00 am20-16393 / CMGMARCIA Y. PHILLIPSMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/2/2021 9:00 am
Total Paid In: $10,037.00
FAILED TO LM BY 3/1/21; FAILED TO ADDRESS IRS EST CLM #2-1

4/20/21:adj request uploaded: needs to file motion to approve Lm & MP and resolve IRS


>per conf in Nov. 2020. was to be amended IRS poc w/in 60 days
Matter ResolvedRequest
Adjourment
844/21/2021 9:00 am20-16483 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $10,780.00
Debtor obj<>NATIONSTAR MTG/MR. COOPER (ROBERTSON, ANSCHUTZ)

Resolution Details:
OTBS -- Debtor to make a lump sum and cure remaining arrears over 6 months
Matter ResolvedRequest
Adjourment
854/21/2021 9:00 am20-16754 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $14,257.00
Debtor obj, contacting State to file APOC<>FAILED TO ADDRESS NJ EST CLM #22-1

4/19/21: APOC filed- Tr motion w/d
Matter ResolvedRequest
Adjourment
864/21/2021 9:00 am20-17478 / CMGSTEVEN J ABELSON, ESQMotion Relief from Stay (Fee)WithdrawnTotal Paid In: $21,644.00
FREEDOM MTG CORP (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
874/21/2021 9:00 am20-18611 / CMGYAKOV RUDIKHMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $4,182.00
4/16/21(mk) : Status Change- Settled

CAPITAL ONE AUTO (MESTER & SCHWARTZ)
Matter ResolvedRequest
Adjourment
884/21/2021 9:00 am20-18611 / CMGYAKOV RUDIKHMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $4,182.00
AMERCIAN HONDA (MORTON)
Matter ResolvedRequest
Adjourment
894/21/2021 9:00 am20-18875 / CMGCharles M Izzo, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $200.00
NS

4/16/21(mk):ARREARS $700 Last pay 9/8/20
Matter ResolvedRequest
Adjourment
904/21/2021 9:00 am20-19681 / CMGBRIAN L HOFFMAN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/19/2021 9:00 am
Total Paid In: $4,971.00
AMT: MP 5/19 ***NEEDS TO SUBMIT ADJ REQUEST FORM FOR TR MTN***<<>>

mk: MP filed & on for 5/19/21

PLAN NOT FEASIBLE DUE TO NJ DIVISION OF CONSUMER AFFAIRS #4-1 FILED AFTER CONFIRMATION
Matter ResolvedRequest
Adjourment
914/21/2021 9:00 am20-19971 / CMGWilliam H. Oliver, Jr., Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
Conf date: 6/2/21

TR Objection-

just need to resolve cram issue with Morton- needs an appraisal- working on it
Matter ResolvedRequest
Adjourment
924/21/2021 9:00 am20-20307 / CMGGEORGETTE MILLERMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
Conf 6/16/21



TR Limited Obj. Needs to resolve creditor & TR objections.

MK: OK to grant - Make conf date 6/16/21- all issues resolved by conf


Atty email:Our office resolved the objection by Shapiro and Denardo and ABCO Credit Union withdrew their objection. At this time, the only outstanding creditor objection is with Stewart Law Group. I have reached out to resolve, as we sent proof of value in December 2020.
we understand this will need a step up payment due to the car payment. Also, I do not have proof of the maintenance on hand. We thought the ABCO bank statements were uploaded previously, but we uploaded them today (4/19/21). Would the Trustee be willing to allow the dismissal to be vacated with the understanding that the remaining creditor objection be resolved by Confirmation and PCC within 10 days.
Matter ResolvedRequest
Adjourment
934/21/2021 9:00 am20-20617 / CMGSTEPHANIE SHRETER, ESQMotion Relief from Stay (Fee)WithdrawnTotal Paid In: $3,674.00
Debtor obj<>ADRNJ INVESTMENTS (BEGLEY, CARLIN & MANDIO)

>>4/19/21(mk): atty for debtor email- to clarify- she w/d her original opp'n- at #35 but linked it incorrectly to the Motion at #34. She filed new opp'n at #37 so this is contested.

creditor did not w/d motion
Matter ResolvedRequest
Adjourment
944/21/2021 9:00 am20-21652 / CMGWilliam H. Oliver, Jr., Esq.Order Shorten Time/Cross mtn for reliefOrder to be Submitted
OTBS by Creditor

--Creditor letter#37 & 45

>> IF CASE IS TO BE DISMISSED-CREDITOR WANTS HIS MOTION GRANTED (Seeking in rem stay relief)BEFORE CASE GETS DISMISSED<<

Conf. 12/16/20. REC DISMISSSAL
NP PAYMENTS as of 12/14/2- & other issuses.


debtor has made no payments in this case- income difficult to verify based on what was provided. 2 prior cases dismissed before conf for 2019- SV, not feasible- made some payments; other case (2018)dismissed b/c no tax returns- est .taxes & no payments.

THIS WILL NEED JUDGE AT NOON
was adj from 11/4/20

12/1/20:G. Reiser esq. - represents creditor filed declaration at doc #34


>>OST<
-- This is the CROSS MOTION -MFR/KIM AND DOUGLAS VAN HASSEL (LOFARO & REISER)
This is debtor's 3rd filing in last 2 yrs
Matter ResolvedRequest
Adjourment
954/21/2021 9:00 am20-21652 / CMGWilliam H. Oliver, Jr., Esq.Order Shorten Time/Mtn to Extend StayOrder to be Submitted
OTBS by Creditor.

-Creditor letter#37 &45

>> IF CASE IS TO BE DISMISSED-CREDITOR WANTS HIS MOTION GRANTED BEFORE CASE GETS DISMISSED<<


12/2/20: CMG extend stay to 12/16/20 & adj motion to conf to 12/16/20


THIS WILL NEED JUDGE AT NOON
was adj from 11/4/20

>>12/1/20:G. Reiser esq. - represents creditor filed declaration at doc #34


>>OST<<

MTN TO EXTEND STAY- stay extended to 12/2/20

>.Debtor suppl Cert.filed #28
tp pay AP to lender 5,000
Matter ResolvedRequest
Adjourment
964/21/2021 9:00 am20-23648 / CMGEric ClaymanMotion Relief from Stay (Fee)Continued
5/5/2021 9:00 am

Debtor obj<>AMERICAN HONDA (SCHILLER, KNAPP)
Matter ResolvedRequest
Adjourment
974/21/2021 9:00 am21-10001 / CMGSTEVEN J ABELSON, ESQMotion Relief from Stay (Fee)GrantedTotal Paid In: $1,416.00
100 LAMBERT LLC/LANDLORD (WEISHOFF & RICHARDS)

POC filed late.
residential lease rejected in plan
Plan confirmed 4/7/21.
Matter ResolvedRequest
Adjourment
984/21/2021 9:00 am21-10974 / CMGCANDYCE I SMITH-SKLAR, ESQMotion Relief from Stay (Fee)Order to be Submitted
4/20/21(mk): per debtor's atty- spoke to J. Morton- awaiting a OTBS on this one

Debtor obj<>SANTANDER CONSUMER (MORTON)
Matter ResolvedRequest
Adjourment
994/21/2021 9:00 am21-12347 / CMGANDRE L KYDALA ESQMotion Impose Automatic StayGranted
MTN TO CONTINUE STAY/JP MORGAN CHASE
Matter ResolvedRequest
Adjourment
1004/21/2021 9:00 am21-12356 / CMGJOSEPH J MANIA III ESQMotion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO CONTINUE STAY
Matter ResolvedRequest
Adjourment
1014/21/2021 10:00 am16-24464 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 42 of 57 required payments   Arrears: $0  

AS OF 4/15/21 (SF)

Sent email to attorney requesting explanation for filing of modified plan and asked if plan should be withdrawn. (Per atty only filed because our office requires a modified plan after completion of loan mod. In this case it is not necessary because the mortgage claim has been amended to zero and all other claims have been satisfied)


AMT: MTG CLM ADJUSTED PER LM ORDER; CASE PIF CLOSED COMPLETE ON 2/16/21
Matter ResolvedRequest
Adjourment
1024/21/2021 10:00 am17-16894 / CMGJOHN ZIMNIS, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 60 of 48 required payments   Arrears: $0  
Total Paid In: $18,135.00
as of 4/16/2021 (JMA)

ok to confirm at $18,135 paid to date, $308x36 begin 5/1/2021 base plan

Matter ResolvedRequest
Adjourment
1034/21/2021 10:00 am17-17285 / CMGKirsten B. Ennis Confirmation Hearing on Modified PlanConfirmedDebtor has made 43 of 48 required payments   Arrears: $3,762.00  Total Paid In: $27,020.00
4/16/21:fyi- CO submitted today that pays Post Petition $9,153.15 in plan

4/13 workup for the 4/21 calendar EDC

-obj to confirmation by Carrinington/Wells-also has cert of default(COTBS)
-MP with Covid extension
-plan adds $9700 post petition to Wells. We need an order agreeing to an amount in order to confirm

*CAN CONF AT $27,020 paid then $850 x 26 beg 5/1/21-100%-(74 months)



---------------------
proposes $27,020 PTD; $850 X 27 BEG 4/21; 100%
Matter ResolvedRequest
Adjourment
1044/21/2021 10:00 am17-34668 / CMGKevin Fayette, EsqConfirmation Hearing on Modified PlanConfirmedDebtor has made 39 of 40 required payments   Arrears: $0  
Total Paid In: $61,347.00
As of 4/12/21 (DS): Ok to confirm at $61,346.50 paid, $1,570 x 9 begin 5/1/21 100% to gucs

MP Prop $1,615 X 37; $1,570 X 12; 100% - Debtor received final loan mod.
Matter ResolvedRequest
Adjourment
1054/21/2021 10:00 am18-19033 / CMGCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing ScheduledContinued
5/5/2021 10:00 am
Debtor has made 35 of 35 required payments   Arrears: $0  
Total Paid In: $14,287.00
issues as of 4/16/2021 (JMA)

1) Need a proof of claim or order to pay the forebearance arrears through the plan
2) Need to file Amended Schedule I to show change in income, Schedule J to show increased expenses
3) The plan does not restate the 2016 VW Jetta is rejected


proposed plan $408x34, $363.29x50 base plan
paid in $14,287
extending to 84 months, 9 months remain
Matter ResolvedRequest
Adjourment
1064/21/2021 10:00 am18-23993 / CMGPETER J BROEGE ESQConfirmation Hearing on Modified PlanOrder to be SubmittedDebtor has made 11 of 33 required payments   Arrears: $5,604.00  Total Paid In: $17,258.00
TR to submit an Interim Conf Order PTD then 100x6;then higher amt for remaining mos
and fix conf date for after 6 mos


AR NOTE HELD FOR POLICE AND FIREMEN ISSUE


AS OF 4/15/21 (SF)


1. Objection filed by Police and Firemen's Retirement System Board of Trustees/NJ Housing and Mortgage Finance Agency to debtor extending plan to 84 months
(RESPONSE FILED)

2. Schedules I and J not amended because debtor only has pension income. Income from Uber is currently zero. Debtor is looking for job to supplement pension income

3. Note this is debtor's second extension under covid. Extending from 72 months to 84 months

MP proposes $16,958 PTD, $100 X 17; $1707 X 37 Base Plan has run 33 months and proposes to extend to 84 months
Arrears: $5604
Matter ResolvedRequest
Adjourment
1074/21/2021 10:00 am18-30484 / CMGJOSEPH I WINDMAN, ESQConfirmation Hearing on Modified PlanMootDebtor has made 29 of 30 required payments   Arrears: $1,063.00  Total Paid In: $30,829.00
Mod Plan docket#42 was previously confirmed 4/7/21
Matter ResolvedRequest
Adjourment
1084/21/2021 10:00 am19-10868 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 11 of 27 required payments   Arrears: $0  
Total Paid In: $17,093.00
updated 4/20/2021 (JMA)
as of 4/16/2021 (JMA)

ok to confirm at $17,093 paid to date, $952x57 begin 5/1/2021 0% plan
-to provide Trustee with most recent tax return within 30 days of confirmation
-to provide contribution certification from son within 30 days of confirmation

proposed plan $938x59 begin 4/1/2021 0% plan
paid in $17,093
plan extended to 84 months with 57 months to go
Matter ResolvedRequest
Adjourment
1094/21/2021 10:00 am19-11495 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 26 of 27 required payments   Arrears: $0  
Total Paid In: $25,365.00
ISSUES AS OF 4/14/2021 (DM): - Atty agrees to terms.sf

***To resolve the Trustee objections and pay 100%, the debtor needs $25,365 Ptd, then $695 x 57 starting 5/1/21, 100% Plan with $15,000 threshold preserved***

1) Trustee OBJ:
- Plan must remain 100%
- Need updated proof of income


Confirm Case: $6,880 Ptd, $972 x 52 start 10/1/19, 100%
Prop. MP: Ptd, $569 x 60 start 4/1/21, Base
PTD = $25,365
Last Claim (2-3) dated 5/16/19
Matter ResolvedRequest
Adjourment
1104/21/2021 10:00 am19-12203 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing on Modified PlanConfirmedDebtor has made 25 of 26 required payments   Arrears: $225.00  Total Paid In: $5,575.00
ISSUES AS OF 4/15/2021 (DM): Updated 4/19/21

***Debtor's counsel provided proof that the law office of McKenna DuPont accepted service on behalf of United Teletech FCU - TRUSTEE CAN RECOMMEND CONFIRMATION AT $5,575 PTD, THEN $225 x 35 STARTING 4/1/21, FEE APP FOR $800 IN ESTIMATED FEES TO BE FILED WITHIN 10 DAYS, REMAINING TERMS OF CONFIRMATION APPLY***

1) MP filed solely to add cram of United Teletech FCU - Cert of Service only serves purported attorney's office (UNRESOLVED).


Confirm Case: $4,675 Ptd, $225 x 39 start 12/1/20, Base
Prop. MP: $4,675 Ptd, $225 x 39 start 12/1/20, Base
PTD = $5,575
Last Claim (5-2) dated 1/14/21
Matter ResolvedRequest
Adjourment
1114/21/2021 10:00 am19-17201 / CMGSTEVEN N. TAIEB, ESQ.Confirmation Hearing on Modified PlanConfirmedDebtor has made 24 of 24 required payments   Arrears: $0  
Total Paid In: $7,350.00
AS OF 4/14/2021 (at):

RECOMMEND: $7,010 PAID TO DATE, $356 x 60 BEGINNING 5/1/2021, 100% TO GUC'S

1. MP proposes to pay WSFS post petition mortgage arrears of $4,107. Is there an order for these arrears to be paid? (RECEIVED CORRESPONDENCE FROM WSFS - THEY AGREE TO THE AMOUNT IN MOD PLAN)

MP proposes: $6,700 paid to date, $340 x 61 beginning 4/1/2021, 100% to guc's
Arrears: $310
(adding post-petition mortgage arrears to plan and extending plan pursuant to the CARES Act)
Covid Cert received
Matter ResolvedRequest
Adjourment
1124/21/2021 10:00 am19-24956 / CMGGeorge E Veitengruber IIIConfirmation Hearing on Modified PlanConfirmedDebtor has made 16 of 20 required payments   Arrears: $0  
Total Paid In: $43,328.00
4/13 workup for the 4/21 calendar EDC
$10,589 arrears

--To help debtor I extended 1 extra month. So plan extended to 65 months total. To CONFIRM would need $43,328 paid then 2619 x 45 beg 5/1/21-100%

-Covid extension plan


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

proposes $2717 X 45 BEG 4/21; BASE

Matter ResolvedRequest
Adjourment
1134/21/2021 10:00 am19-28843 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 15 of 18 required payments   Arrears: $0  
Total Paid In: $24,100.00
AS OF 4/15/21 (SF) - Atty to request adjournment to date of motion re tax claim

1. State of NJ filed late estimated unsecured claim 6-1.
Missing 2012 through 2016 Tax Returns (NEED AMENDED CLAIM) (Atty will be filing a motion to amend claim)

2. Disposable income verifies higher at $4649.89 minus social security leaves net amount of $3600 which may require a shorter plan length. (May need more paystubs. Only 1 pay stub provided for each job.)

3. Need copy of 2019 Tax Return


MP proposes $1264.71 x 17, $2600 x 67 100% (Sale removed)
Plan has run 18 months and proposes to extend to 84 months
Matter ResolvedRequest
Adjourment
1144/21/2021 10:00 am19-30150 / CMGKevin Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 16 of 18 required payments   Arrears: $0  
Total Paid In: $4,725.00
as of 4/15/2021 (jma)

ok to confirm at $4,725 paid to date, $284x30 begin 5/1/2021 base plan

proposed plan $245x17, $275x33 base
paid in $4725
30 months to go
Matter ResolvedRequest
Adjourment
1154/21/2021 10:00 am19-30386 / CMGPETER E ZIMNIS, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 14 of 18 required payments   Arrears: $0  
Total Paid In: $3,631.00
ISSUES AS OF 4/15/2021 (DM): Updated 4/18/21

***Debtor is still receiving unemployment - TRUSTEE RECOMMEND CONFIRMATION AT $3,631 PTD, THEN $420 x 43 STARTING 4/1/21, BASE PLAN, CERTIFICATION REGARDING EMPLOYEMENT STATUS AND/OR AMENDED SCHEDULE I BY 6/30/21***

1) MP filed to address arrears not included in the Loan Modification.


Confirm Case: $2,383 Ptd, $100 x 2, $262 x 45 start 1/1/21, Base
Prop. MP: Ptd, $396 x 43 start 4/1/21, Base
PTD = $3,631
Last Claim (6-2) dated 1/25/21
Matter ResolvedRequest
Adjourment
1164/21/2021 10:00 am19-31145 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
5/5/2021 10:00 am
Debtor has made 16 of 17 required payments   Arrears: $0  
Total Paid In: $16,123.00
As of 4/15/21 (DS): 1. MFR filed by Freedom Mortgage and also by BB 316 Investment, both scheduled 5/5/21. Need outcome.

2. Freedom Mortgage (BROCK & SCOTT) obj to to sale and not paying arrears thru plan. Obj must be resolved.

3. Plan still list Township of Neptune, no claim filed and needs to be stricken.

MP Prop $993 x 44 begin 4/1/21; $0
- Removes loan mod and now proposes sale on real property.
- Paying post-petition arrears to Toyota.
Matter ResolvedRequest
Adjourment
1174/21/2021 10:00 am20-10667 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 15 of 15 required payments   Arrears: $0  

MK: adv. Pro complete. City Of Trenton gets house. Filing MP.

Need status from attorney

4/9 workup for the 4/21 calendar EDC

--need update below--sent email to attorney EDC

10/7/20:case was mediated w/AR & debtor accepts it but city of trenton says adv not settled (547 & 548 claims). RE not in debtor's name so can't confirm today. AP Trial 4/8/21

9/28 workup for the 10/7 calendar emailed Rhondi for update on 9/28 EDC

7/28/209mk) Per AR & call w/ Attys E. Clayman & F. Ballak- adj 45 days to see if Adv Pro can be resolved.


MP on 5/20/20. AND Adv Pro filed w/o TR consent- Trenton completed a foreclosure of RE
CONFIRMATION HEARING ADJOURNED TO 8/5/20 TO ALLOW TIME FOR OUTCOME OF ADVERSARY PROCEEDING.

AS OF 7/29/2020 (at):

1. The attorney's fees in the plan and disclosure statement do not agree. Debtor's attorney must amend either the plan or disclosure statement. (OK - MOD PLAN FILED - $4,087.48 FEE BALANCE)

2. Objection filed by City of Trenton (Goldenberg, Mackler) - Debtor no longer owns this property. Tax sale foreclosure completed and title vested to City of Trenton. (AP COMPLAINT FILED 4/27/20)

3. The order of distribution in the plan departs from the trustee's order of distribution. (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION)

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Amendments to Schedules to take exemption on the Stuyvesant property (NOT AMENDED)

Plan proposes: $1,000 x 60, $0 to guc's
Payments: 5/6, arrears $245.48
Matter ResolvedRequest
Adjourment
1184/21/2021 10:00 am20-12220 / CMGDaniel Straffi, Esq.Confirmation Hearing on Modified PlanContinued
6/2/2021 10:00 am
Debtor has made 9 of 14 required payments   Arrears: $2,500.00  Total Paid In: $4,500.00
mk: adj to allow creditor to resolve issues on cert of default

 4/14/21 - no Trustee payment in March & April - RECOMMEND DENIAL

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

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

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


Confirm Case: $3,000 Ptd, $500 x 54 start 9/1/20, Base
Prop. MP: $500 x 60 start 3/1/20, Base, Sale/Refi/Loan Mod by 6/1/21
PTD = $4,500
Last Claim (11-1) dated 4/14/20
Matter ResolvedRequest
Adjourment
1194/21/2021 10:00 am20-14015 / CMGDaniel Straffi, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 6 of 13 required payments   Arrears: $475.00  Total Paid In: $5,200.00
4/20/21 - Atty agree to terms.sf

4/13 workup for the 4/21 calendar EDC

-LM order for 7/1/21
-if no loan mod then this case will not be feasible

TO CONFIRM *** $5200 PTD; $875 X 12 beg 4/1/21; then $2729 X 36 BEG 4/1/22; BASE LM by 7/1/21
Matter ResolvedRequest
Adjourment
1204/21/2021 10:00 am20-15551 / CMGAndrew Thomas Archer Confirmation Hearing on Modified PlanContinued
5/19/2021 10:00 am
Debtor has made 8 of 12 required payments   Arrears: $1,840.00  
4/20/21: mk: ADJ BT THE COURT TO 5/19/21

4/14 workup for the 4/21 calendar EDC

-12 months old-same issues as last time
-4 payments arrears--same as last time--MUST DO EWAGE OR DISMISS

-JUDGE TO RESERVE DECISION ON CONDO ISSUE - MFR denied but objection from Wyndham still needs to be resolved. $12,992.94 arrerage claim

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

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

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

Prop Plan $46
Matter ResolvedRequest
Adjourment
1214/21/2021 10:00 am20-20267 / CMGPRO SEConfirmation Hearing ScheduledContinued
6/16/2021 10:00 am
Debtor has made 0 of 7 required payments   Arrears: $0  

4/13/21 (sf) Per Balboa's office, adjourn to 6/16/21 at 10 a.m.

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

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

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

11/15 AMT: AR REQUESTED UST TO TRANSFER/OFFICE CONFLICT
Matter ResolvedRequest
Adjourment
1224/21/2021 10:00 am20-20866 / CMGMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 7 of 7 required payments   Arrears: $0  
Total Paid In: $3,500.00
4/12 workup for the 4/21 calendar EDC

***Compromise agreed on CONFIRMATION ****$3,500 paid to date $1400 x 53 begin 5/1/2021 100% plan (min of $70,728 due to equity) ---debtors to resolve adversary and file modified plan by 8/1/21--trustee to put a hold on claim 8-1 ($113,000 Franklin guc claim) pending resolution of adversary

-What is the status of the adversary?

-attorney is now filing adversary. Per AR email can confirm using our numbers because of disposable income issue (since December) and reserve and put a hold on claim 8-1 ($113,000 Franklin guc claim) pending resolution. Awaiting attorney response. To resolve the Trustee objection,

***need to confirm ****$3,000 paid to date $1400 x 53 begin 5/1/2021 100% plan (min of $70,728 due to equity) ---debtors to resolve adversary and file modified plan by 8/1/21--trustee to put a hold on claim 8-1 ($113,000 Franklin guc claim) pending resolution

EDC

-----Attorney sent email that income is lower--(income for wife lower but husbands is higher. The want to reduce income because they say the refund will be less. Have not provided proof yet so we still need to use 2019 taxes per AR-disposable is over $2400---EDC sent email on 3/15***(OK per trustee proposed resolution

--student loan payments now going towards pension payments


1) Trustee objection to confirmation - RESOLVED
-debtor has failed to file feasible plan - PLAN IS 100% AND NEEDS SIGNIFICANTLY HIGHER PLAN PAYMENT, APPEARS DEBTOR WOULD BE ABLE TO MAKE NEEDED PAYMENTS TO COMPLETE PLAN
-need proof of insurance for the 2019 Nissan Rogue RESOLVED, PROVIDED RENEWAL
-the debtors plan consists of unnecessary or excessive expense items: $500/month utilities; $400/month water/sewer/garbage; $650/month cable/internet/500 to 3000 ; $300/month life insurance; $150/month pet insurance for 1 dog; $400/month for storage - THIS IS A 100% PLAN
-the debtor is not paying all disposable income into plan - verified income leaves monthly disposable income of $2,960 - THI
Matter ResolvedRequest
Adjourment
1234/21/2021 10:00 am20-20999 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/2/2021 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $243.00  
final adj to 6/2/21 NFA

As of 4/13/21(mk):

1. Objection to Cram By First Fin Fed'l Credit Union( Dupont)-filed late secured POC.
creditor requesting appraisal -NEED STATUS OF APPRAISAL (mk: scheduled for 4/22/21 at 9)

2. IRS ESTIMATED Priority APOC. for $3,350.39
still No returns for 2017 .
(the 2019 est was reduced to -0).

3. Trustee Objection:
-Need to resolve the estimate claim filed by the IRS now only for 2017
---------
-need Amendments to Schedules I to include income from Home Depot.& remove Turnpike Authority income.(Filed)
-Need POS First Financial FCU for cram 2007 Lexus.(Filed)
-need copy of 2019 tax return.(Filed).

Plan:$243 X 36 BEG 10/20; $0
payments:6/7
last claim:20-1, bar date:12/7/20





Matter ResolvedRequest
Adjourment
1244/21/2021 10:00 am20-21652 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

4/21/21:Mk; adj to 5/19/21 for debtor atty to review APOC of lender & file motion to allow claim& claim for Holiday City- need to rework the numbers for 5/19/21 hearing date
--------------------------------

4/21/21:HOLD FOR JUDGE AT NOON- STAY RELIF MOTION STILL NOT RESOLVED


4/16/21(mk):Need Answers to 1-3 below before I can finalize w/ a rec for confirmation.

1. Amended POC filed on 4/14/21 by creditor (Mtg holder) Van Hassel-Arrears amt increased and balance due on mtg eats up the equity so no only equity in personal property of $9,022 which will be in terms.

2. Need to know if there has been any agreement on the SV motion?

3. Need to know if Per plan claim for Holiday City Home owners is to be Stricken- or are you filing claim and Motion?

>If strike and MFR ( debtor current but creditor wants terms for future default due to poor history and repeated filings)resolved then new numbers are

**$8,118 PTD, Then $2,021 x 54 Begin 5/1/21; Base w/ min to GUCS $9,002 Due to Equity in personal assets. Strike Per plan claim of Holiday City Homeowners assoc.
----------

for 4/21/21 hearing: attys working on Order re SV motion also on 4/21/21. NEED TO KNOW FROM DEBTOR ATTY- OK TO STRIKE PER PLAN CLAIM FOR HOILDAY HOMEOWNERS ASSOC.- NO POC FILED? mk; need to review any APOC filed by creditor Hassel after his 3/29/21 APOC to see if the pre pet arrears amt changes and to adjust balance for reduction in equity T/H

As of 4/7/21(MK): Updated -debtor made April payment 6/6 payments)need atty to address issues below-

1. Debtor current 5/5 as of today.
2. Need to resolve objection by Mtg Holder(Van Hassel(G. Reiser)
3. No POC filed by Holiday City Homeowners- bar date passed- STRIKE? or file claim and motion to allow late claim?


1/15/21(mk): Filed Amended I reducing income to 6,551.78(3mos P&L). Debtor Cert #42 says she can make plan payments. 2 plan payments were reversed for insuff funds.

--PLAN NOT FEASIBLE BASED UPON HIGHER CLAIMS FILED AND INSUFFICIENT INCOME PRO
Matter ResolvedRequest
Adjourment
1254/21/2021 10:00 am20-22183 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
6/16/2021 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $225.00  
4/21 workup EDC


* Trustee objection to confirmation:

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

proposed plan $450x60 (no payment in months of July and August each year), sale by 12/31/2021 0% plan
paid in $1350
arrears $450
last claim 10
Matter ResolvedRequest
Adjourment
1264/21/2021 10:00 am20-22234 / CMGRUSSELL L LOW, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  

ISSUES AS OF 4/16/2021 (DM): Updated 4/18/21

***Amended Sch C filed as Doc #40 on 4/16/21 - TRUSTEE CAN RECOMMEND CONFIRMATION AT $4,035.33 PTD, THEN $986 x 54 STARTING 5/1/21, BASE PLAN WITH A $14,908 MINIMUM DIVIDEND TO GENERAL UNSECURED CREDITORS DUE TO NON-EXEMPT EQUITY IN BANK ACCOUNTS***

 MK: Adj to 4/21/21 so attorney can review numbers with client - he did not realize that the second tier was so high - he will review and reply thru Disposition List.

AS OF 4/7/21 (DS): Ok to confirm $3,356.80 paid, $678.53 x 1 begin 4/1/21, $1,037 x 54 begin 5/1/21 Base with a minimum $17,375 to gucs, due to non-exempt equity on real property and bank accts. - ATTY OK CONFIRMING, PROOF OF PAYMENT APRIL PYMT PROVIDED/DS

1) Amended Sched A/B and C filed again and still des not properly take exemptions, also reduces bank accts balances, when proof of bank statements has $5,596 in checking and $9,312 in savings with total of $14,908.

- There is still non-exempt equity on real property $16,337 and bank accts $14,908.

 3/17/21 (ds): Amended Sched A/B and C filed 3/16/21, no time to review, needs to be adjourned to allow time to review.

AS OF 3/17/21 (DS): Need to confirm at $3,356.80 paid, $1,045 x 55 begin 4/1/21 Base with minimum dividend $18,132, due to non-exempt equity.

2) Trustee Suppl Obj:
NON-EXEMPT EQUITY IN THE FOLLOWING ASSETS:
- Real property $16,337 (d(1) not taken.
- 2016 Toyota Rav4 for $473 - claim filed for less (AMENDED SCH C TAKES EXEMPTION).
- 2004 Nissan - needs to be added on Sch B & C (AMENDED SCH C TAKES EXEMPTION).
- Savings acct $422 (AMENDED SCH C REMOVES ALL EXEMPTIONS IN BANK ACCTS).

 3/3/21 (DS): Still has not provided Sept and Oct bank statements for Chase account #2231 (PROVIDED) and amended Sch B/C to add 2004 Nissan not filed.

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

3) Trustee Obj:
- Need Sept & Oct bank statements for Chase account #2231.
- Digital FCU claim attaches UCC & is for solar panels on
Matter ResolvedRequest
Adjourment
1274/21/2021 10:00 am20-22595 / CMGYAKOV RUDIKHConfirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

4/21/21(mk): Filed suppl objection to plan-

Mk: email atty with what TR needs-or file suppl objection

4/19/21(MK)PER AR- HOLD FOR JUDGE-ATTY MUST APPEAR

As of 4/12/21(mk): update- need to review w/ AR for possible compromise on payment going forward or require more info on business value & income etc- TR CANNOT COMPROMISE AS DOCS SUBMITTED CONTAIN CONFILCTING INFO AS TO INCOME. EXCESS EXPENSES HAS ALSO NOT BEEN ADDRESSED.

>> Still needs to address excess expenses & excess dispos income & need Cert.

>>Other than 2 auto leases-1 w/ small arrears claim- rest of debt is all gucs. Issues as to the amt of disposable income as set forth in Tr objection need to be resolved to determine the amount the payment going forward.

1. Santander filed small arrears POC on lease $32.83- OK TO PAY?( per atty yes -PAY)

2. Trustee objection:
- Plan fails to list 2 auto leases as assumed but has creditors in plan as unaffected.- ARE THESE ASSUMED? ( Per atty - YES ASSUME)
-improper use of exemption. Takes d (2) &d(5) deductions on 2
leased vehicles.
>>-excessive expenses:122c has excessive expenses Line 20
Education $150 (not on Sched J), Line 23 Telephone services
$350 and Line 30 Additional food/clothing $49, Line 31 Continuing
charitable $50.(Schedule J has $20), there would be disposable
income $468.25, which would require
minimum dividend $28,095.
-not paying all disposable income into plan: 22c-1 Line 5 should be
$4,523.84 (P&L list salary $9,500, Business forms have no
employees- April form lists 4 P/T employees and debtor).
Proof of income verifies higher, there is disposable income $1,472.26.
-need Certification from Debtor as to what, if any equipment or
other assets are owned by the business.
-schedules I & J should be amended to accurately reflect the
business income. Debtor testimony at the 341 was that business
has not operated since Covid began.
There is non-exempt equity in business bank acct. $4,034.
-Debtor has a construction business and li
Matter ResolvedRequest
Adjourment
1284/21/2021 10:00 am20-22956 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/16/2021 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

mk: see answers to questions below & adj to 6/16/21

ISSUES AS OF 4/16/2021 (DM):

***Need a few responses below, but case should be adjourned into June to see if business returns to normal income generation***

1) Plan provides $50,486.17 priority treatment to the IRS - amended POC (4-2) filed for $23,812.81 priority and $26,043.36 secured (PAY PER POC??)mk: YES PAY

2) Plan provides $2,526.40 arrears treatment to US Bank for 2019 Honda Pilot lease - creditor filed POC (14-1) for $587.20 arrears (PAY PER POC??)mk: YES PAY

3) Plan provides $2,594 secured treatment to Hidden Meadows Condo - creditor filed unsecured POC (11-1) in the amount of $2,329 (STRIKE SECURED PLAN TREATMENT??)
mk: will be CO- that provides to pay the secured part and treats unsecured

4) Plan provides secured unaffected treatment for student loans (SHOULD THIS BE UNSECURED TREATED OUTSIDE THE PLAN??)mk: YES OUTSIDE PLAN

5) Trustee OBJ:
- Need updated P&L for April & May by 6/15/21 (UNRESOLVED).
- Need Oct & Nov bank statements for Santander acct #8484 (UNRESOLVED).
- Excessive Expenses: $570 cable/internet/phone, $550 transportation (additional transportation exp on P&L), $621 car payment.
- Verified income leaves monthly disposable income of $2,051.
- Need to file Pre-Confirmation Certification (FILED).

- Need Certification regarding for "other expenses" on P&L - May - $1873.35, June - $2200.12, July $2421.12, August - $1262.18, September - $1256.93 and October - $1345.55 (CERT DOC #30 - PAYMENTS TO SUBCONTRACTORS IN CONNECTION WITH BUSINESS).

- Why did debtors withdraw $5,000 from Wells Fargo account within 2 weeks of filing Bk? (CERT DOC #30 - PAYMENT MADE TO CO-DEBTOR'S MOTHER THAT MUST BE PAID BACK INTO THE BANKRUPTCY - CASE CAN'T BE 0%).


Prop. Plan $1,447 x 60 start 12/1/20, 0%
PTD 5/5 = $7,235
Last Claim (23-1)
Matter ResolvedRequest
Adjourment
1294/21/2021 10:00 am20-23188 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 4 required payments   Arrears: $0  

MP(#20) filed on for 5/5 EDC- Mk- so this plan at #11 should be either W/d Or Denied.

AS OF 3/15/2021 (at):

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

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

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

Plan proposes: $896 x 60 beginning 1/1/2021, $0 to guc's
Arrears: $0.00
Matter ResolvedRequest
Adjourment
1304/21/2021 10:00 am20-23218 / CMGJOHN ZIMNIS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 4/21/21 (SF) UPDATED

RECOMMEND $2,000 PTD, $525 X 56 (BEGIN 5/1/21) BASE PLAN

- SCHEDULE C TO BE AMENDED WITHIN 10 DAYS TO LIST ALL ASSETS, EXEMPTION AMOUNTS AND STATUES (RECEIVED AND OK)

1. Trustee objection:
- Verified income leaves monthly disposable income of $1,159.02. (2020 refund is lower so disposable income is now $739.69)
- There is $6,454 in non exempt equity in the bank account/2012 Acura. (Schedule C amended to reduce d(1) exemption which increases d(5) exemption but amendment leaves out the remaining assets and exemption amounts and statute) Per MK need to amend again to include this info. Add to conf order Schedule C to be amended within 10 days

Plan proposes $500 x 60 Base
Payments: 4/4

RESOLVED:
- November and December bank statements for PNC accounts 7863 and 7871. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)
- A current market analysis - : need updated CMA (received document from June 2020). RECEIVED
- A copy of the last filed tax return - 2020 by 4/30/2021. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $8,012 when determining disposable income.
Matter ResolvedRequest
Adjourment
1314/21/2021 10:00 am20-23240 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
6/16/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

4/20/21 - Amended I&J filed - if debtor is unemployed, then why is transportation $500 per month and entertainment $350 per month?

ISSUES AS OF 4/16/2021 (DM): Need response regarding disposable income. Still no POC filed by State of NJ - should numbers below be re-worked after striking priority plan treatment of NJ or should case be adjourned after 6/1/21 Bar Date?

 4/7/2021 (JMA): Updated

There is now excess income of $2,028 to pay claims through plan - would need to confirm at $400 paid to date, $1,492 x 32 starting 5/1/21 which includes minimum $3,058 dividend to general unsecured creditors due to non exempt in real estate, sale of S. Sailors Quay property by 12/1/2021 with non-exempt proceeds from sale to be paid to Trustee.

 4/7/21 MK: see amended I & proof of unemployment- can this be worked-up?

1) Plan provides $5,839 priority treatment to State of NJ - no POC filed (STRIKE??)

2) Loan Depot (MCCABE) OBJs - $1,830.65 arrears (OBJ SETTLED, TRUSTEE OK TO PAY ARREARS).

3) Trustee OBJ:
- Debtor has insufficient income - income verifies -$1,059. Plan is not feasible to pay priority unsecured and secured arrears claims.
- Need to amend Sch I to add unemployment income (FILED AND PROVIDED UPDATED UNEMPLOYMENT INCOME - NOW SHOWS NET DISPOSABLE INCOME OF $2,028).
- Need proof of income from unemployment. Doc provided is 2020 1099-G form and verifies Debtor is receiving $2,960.75, but does not show what Debtor is currently receiving unemployment.
- There is non-exempt equity on real property $3,058.

Note: Homeowner/motorcycle ins & bank statements provided.


Prop. Plan $100 x 36, Base, Sale by 12/1/21
PTD 4/4 = $400
Last Claim (13-1)
Matter ResolvedRequest
Adjourment
1324/21/2021 10:00 am20-23356 / CMGYAKOV RUDIKHConfirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

4/12 workup for the 4/21 calendar EDC

-debtor is current with trustee

--If mortgage resolved and not paying arrears claim can confirm at:

***$600 paid then $353 x 56 beg 5/1/21-min of $9300 to gucs due to equity-student loans outside-trustee to not pay mortgage pre-petition claim because LM granted-use trustee distribution order


1. Objection filed by First Guaranty Mortgage (Romano Garubo) - failure to make post petition payments. (UNRESOLVED but LM just granted does this resolve?)

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

**Trustee's objection:

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

Plan proposes: 150 x 60 beginning 1/1/2021, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1334/21/2021 10:00 am20-24038 / CMGYAKOV RUDIKHConfirmation Hearing ScheduledDismissedDebtor has made 4 of 4 required payments   Arrears: $0  

4/19/21(mk): PER AR-ATTY MUST APPEAR- HOLD FOR JUDGE

4/16/21(mk): New rex(KML) filed status change- obj settled- Need terms of OTBS- pay POC? even so case not feasible.YES-pay-pointless as case not feasible and atty requested case be dismissed

AS of 4/8/21(Mk):SAME AS BELOW- NOT FEASIBLE

2/26/21: adj request to resolve claims and see if can be feasible.

AS of 2/25/21(mk);Updated

>>PLan is not feasible. Plan fails to address claims filed & T/h equity 147,481<<

1. Obj. by New Rez(KML) POC- $21,541.48- Plan has unaffected.

2. Wells Fargo(2014 Hyundai Santa Fe) POC arrears $4,519.12- NOT IN PLAN

3. IRS ( NOT IN PLAN-APOC Filed-Priority $510.46 -OK TO PAY?

4. Trustee Objection:
- Needs to treat Wells Fargo arrears POC $4,519.12 .
- there is non exempt equity in the amount of $147,481 in the residential property owned by the debtor.. That T/H amt needs to be paid to gucs
-plan has mtg as unaffected- POC $21,541.48
- plan not feasible.



Plan:$250 X 60 BEG 1/2021; BASE
4/4 payments
last claim:12-1, bar date:3/11/21
Matter ResolvedRequest
Adjourment
1344/21/2021 10:00 am21-10065 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $706.00  
adj to resolve est tax claim

AS OF 4/20/2021 (at):

RECEIVED PROOF OF $706 PAYMENT ON 4/20/2021.

Trustee's objection:
- The Plan fails to provide for a prompt cure of rental arrears.
The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need service to One Main Financial. (CERT OF SERVICE FILED 2/17/2021)
- Must resolve IRS estimated claim. (STILL ESTIMATED 2014, 2016 - 2019)
- Must file Pre-confirmation certificate. (NOT FILED)

Plan proposes: $353 x 60 beginning 2/1/2021, $0 to guc's
Payments: 3/3
Matter ResolvedRequest
Adjourment
1354/21/2021 10:00 am21-10194 / CMGLEE M PERLMAN, ESQConfirmation Hearing on Modified PlanContinued
5/5/2021 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $68.00  
SENT ATTY EMAIL TO UPLOAD ADJOURNMENT REQUEST TO NEW MODIFIED PLAN DATE

MK: This hearing is on Plan #20--MP (#28) filed and on for 5/5/21- plan surrenders Auto( Ally) & says bal on mtg w/ Nationstar reduces equity & plan reduces div to gus to $22,183.40.

issues as of 4/15/2021 (JMA)

1) Nationstar Mortgage LLC d/b/a Mr. Cooper (RAS Crane) objection to confirmation - CONSENT ORDER RESOLVING OBJECTION - AGREES TO PAY ARREARS $9,146.33 THROUGH PLAN
2) Trustee objection to confirmation - need to resolve
-balance statement on home equity loan with OceanFirst Bank, prior to filing date PROVIDED
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is estimated non-exempt equity on real property $37,148, pending proof of home equity loan THE 1ST MORTGAGE CLAIM IS FOR $89,869.89 WHICH IS HIGHER THAN PROPOSED, TO DATE CLAIM FOR 2ND MORTGAGE HAS NOT BEEN FILED AND THE BAR DATE HAS PASSED,
3) Ally Capital filed a secured claim for a 2016 Chrysler 200 purchased 5/6/2019 - claim is not treated in plan
4) Attorney needs to address the fact that a claim for the 2nd mortgage has not been filed and the bar date has passed

proposed plan $569x60 base plan with minimum $27,114 dividend to general unsecured creditors
paid in $1707
arrears $68
last claim 21
Matter ResolvedRequest
Adjourment
1364/21/2021 10:00 am21-10491 / CMGKevin Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $900.00
As of 4/16/21 (DS): Ok to confirm at $900 paid, $306 x 33 begin 5/1/21 100% to gucs;
- Debtor to provide 2020 tax return for Debtor and non-filing spouse, no later than 6/30/21.
- Add to confirming order Trustee to pay the arrears claim#2-1S of Credit Acceptance, unsecured portion not to be paid.

Mk: atty will request adj till after bar date. Needs to review with client & explain transfers. Also if paying the arrears in claim#2-1 then there should be no payment on other portions of claim, should add language as to that treatment.

3/17/21 (DS): Recommend confirming at $600 paid, $601 x 22 begin 4/1/21, $880 x 12 begin 2/1/23 100% to gucs or wait pass bar date 4/1/21

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

2. Arrears claim filed by Credit Acceptance for $926.96 and claim is bifurcated with unsecured $1,912.33. Plan list as outside. Claim needs to be resolved. PER ATTORNEY OK TO PAY ARREARS AND UNSECURED NOT TO BE PAID.

Prop Plan $300 x 36 Base
Matter ResolvedRequest
Adjourment
1374/21/2021 10:00 am21-10974 / CMGCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/21/21 (SF) UPDATED-Atty ok to terms


RECOMMEND $558 PTD, $480 X 16 (BEGIN 5/1/21), $95 X 18 (BEGIN 9/1/22) BASE PLAN


1. Motion for Relief by Santander/Chrysler scheduled for 4/21/21 at 9
OTBS NO IMPACT ON PLAN
2. Objection filed by Kriegmanand Smith, Landlord (Landolfi) - failure to pay arrears of $5111.22. The plan proposes to pay $4324
RESOLVED PAY CLAIM
3. Trustee objection:
- Plan proposes to lower payments in second tier $279 X 18; $83.56 X 42. There is no basis to lower the plan payment after month 18.
- Need pay stubs for Feb & March 2021. What was provided was 3 paystubs ( 2 Dec.2020 & 1 Jan2021) which do not reflect the amount of income on Schedule I. (RECEIVED, INCOME IS LOWER)


Plan proposes $279 X 18; $83.56 X 42; BASE
Payments: 2/2

RESOLVED ISSUES:
- must file pre conf cert. (FILED)
Matter ResolvedRequest
Adjourment
1384/21/2021 10:00 am21-11067 / CMGYAKOV RUDIKHConfirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

4/21/21(mk):case was adj to 5/19/21.mk FILED AMENDED SUPPLE OBJ. TO PLAN: requiring further infoas to Family Trust;amended 122c form & a MP to surrender the Fla. property. Creditor(KML) submitted an Order re objection by new rez/shellpoint:- says debtor surrenders interest in subject Fla. property and creditor has stay relief.


AS OF 4/16/2021 (at):

4/16/21: staff atty email(mk) to debtor atty requesting further clarification on issues surrounding the Fla. property, family trust, terms or order resolving creditor objection and claim filed by creditor.

1. Objection filed by New Rez/Shellpoint Mortgage (KML Law) - plan is silent as to mortgage arrears. Proof of claim filed has no arrears. This property (Florida) is not in the petition or plan. (RECEIVED STATUS CHANGE FORM STATING RESOLVED - NEED ORDER FOR TERMS)
>>mk:4/20/21-Order says creditor to file POC & debtor to pay arrears - SO IF DEBTOR SO NOT OWN THIS RE ANYMORE- WHY ARE THEY PAYING ARREARS ETC???

2. Need deed, CMA, mortgage payoff and homeowner's insurance for property located at 251 174 Street #2311, Sunny Isles, Florida. (RECEIVED ONLY DEED)

3. Need amended Schedules A, C and D to list Florida property.

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of social security income - for debtor. (RECEIVED)
- A copy of the last filed tax return - 2020 tax return on or by 6/30/2021 (RECEIVED)
- auto insurance renewal, policy provided expired 3/1/2021 (RECEIVED)
- Amendments to Schedules I to add social security income. (NOT AMENDED)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s):
- excessive expenses on Schedule J $550/utilities; $500/telephone;
- Form 122c Line 45 shows monthly disposable income of $3,672.72 which requires minimum $220,363
Matter ResolvedRequest
Adjourment
1394/21/2021 10:00 am21-11112 / CMGKevin Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $890.00
As of 4/14/21 (DS): Ok to confirm at $445 x 60 begin 3/1/21; Base with a minimum $21,245 and a reserve $19,597 due to non-exempt equity on real property

1. Trustee obj need updated proof of auto and homeowner insurance, if not confirmed, both expired and non-exempt equity on real property $19,597.

Prop Plan $445 x 60 begin 3/1/21; Dollar Base $21,245
Note: 2020 tax return provided and Pre-confirmation cert filed.
Matter ResolvedRequest
Adjourment
1404/21/2021 10:00 am21-11155 / CMGSTEVEN N. TAIEB, ESQ.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 2 required payments   Arrears: $0  

UPDATED 4/19/2021 (JMA)

OK TO CONFIRM AT $1,200 PAID TO DATE, $600X58 BEGIN 5/1/2021 WHICH INCLUDES MINIMUM $7,145.32 DIVIDEND TO GENERAL UNSECURED CREDITORS
-CONSENT ORDER RESOLVING FREEDOM MORTGAGE CORPORATION OBJECTION TO BE FILED WITH COURT WITHIN 30 DAYS OF CONFIRMATION, THE TERMS ARE THAT THE DEBTOR WILL PAY THE ARREARS IN THE AMOUNT OF $2,122.82 THROUGH THE PLAN


issues as of 4/15/2021 (JMA)

1) Roundpoint Mortgage Servicing Corporation/Freedom Mortgage Corporation (Gross Polowy) objection to confirmation - RESOLVED WITH PAYMENT OF $2,122.82 ARREARS TO BE PAID THROUGH PLAN
-pre petition arrears $2,122.82
2) Trustee objection to confirmation - need to resolve
-need a copy of the last filed tax return for 2020
-2 months bank statements from Capital One savings acct prior to filing date
-Amendments to Schedules to take d(1) exemption needed on real property
-the debtors plan consists of unnecessary or excessive expense items, such as 22c Line 22 takes additional health care cost $538 and Line 45 disposable income $251.93 with total disposable income $792, which would require minimum dividend $47,516 to gucs
-the debtor is not paying all disposable income into the plan - income verifies higher, there is disposable income of $1,079. Additionally, car payment $557 with Ally (2012 Dodge) ends in month 10 and lease car payment $474 ends in month 18
-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 on real property $11,249 THE MORTGAGE CLAIM IS HIGHER AND THE NON EXEMPT EQUITY IS REDUCED TO $6,161.32 and on 2012 Dodge $984 TOTAL NON EXEMPT EQUITY $7145.32
-need to provide statement from Thrivent account covering the filing date
-must file pre confirmation certification FILED

proposed plan $400x60 base
paid in $800
last claim 19-1

Matter ResolvedRequest
Adjourment
1414/21/2021 10:00 am21-11202 / CMGJOHN ZIMNIS, ESQConfirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $950.00  
As of 4/13/21(mk):

plan is 100% and bar date is 4/26/21- May want to adj till after bar date.

1. Florence Tax office filed POC $324.93- Ok to Pay?

2. Plan has pay Christian Trust (on Tax Sale cert)47,934- POC filed has $42,929.08- IF
DEBTOR WANTS TO INCLUDE INTERST- TR NEEDS AN ORDER FOR THAT AMT OTHERWISE WE PAY THE CLAIM AMT.


3. Trustee Objection:
- need 2020 return on or by 5/31/2021
- non exempt equity in house $174,124 - MUST REMAIN 100% PLAN


Plan:950/60, 100%
1/2 payments
last claim:2-1, bar date:4/26
Matter ResolvedRequest
Adjourment
1424/21/2021 10:00 am21-11242 / CMGKevin Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/15/21 (SF)

RECOMMEND $700 X 36 (BEGIN 3/1/21) BASE W/MIN $3494 TO GUCS PER EQUITY IN BANK ACCOUNTS, LOAN MOD BY 8/15/21
- DO NOT PAY ARREARS OR RESERVE TO BANK OF AMERICA


1. Trustee objection:
- bank statements from both accts for 1/2021 to 2/16/21 which provides balance. (RECEIVED. THERE IS N/E EQUITY OF $3494)


Plan proposes $700 x 36 Base, Loan Mod by 8/15/21
Payments: 2/2

RESOLVED ISSUES:

- Objection filed by Bank of America (Wassall) - failure to pay arrears of $34,255.22, speculative loan mod and failure to provide for ongoing monthly post-petition payments (CONSENT ORDER SUBMITTED)

Note: Loss mit order expires on 7/6/21

- A copy of the last filed tax return - for 2020. (RECEIVED)
- Must file Pre-confirmation certificate. (FILED)
Matter ResolvedRequest
Adjourment
1434/21/2021 10:00 am21-11310 / CMGANDREW CARROLL, ESQ.Confirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $2,085.00  
AS OF 4/14/21 (SF)


1. 341 NOT HELD - RESCHEDULED TO 5/6/21
2. PAYMENTS: 1/2 ARREARS: $2085
Matter ResolvedRequest
Adjourment
1444/21/2021 10:00 am21-11590 / CMGANDREW CARROLL, ESQ.Confirmation Hearing ScheduledContinued
5/19/2021 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,000.00  
AS OF 4/13/2021 (at):

Trustee's objection:
The debtor has insufficient income to fund the plan. Without unemployment income the plan is not feasible. (RECEIVED CERT FROM DEBTOR - NO UNEMPLOYMENT BENEFITS AS OF 3/12/2021)
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2020 return on or by 6/30/2021 (LANGUAGE ADDED)
- auto insurance expired 3/4/2021. The debtor needs to send updated insurance to the trustee. (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):
- excess expense on Schedule J $650/month heat/electric;
- Need to add language that "claims will be paid according to the trustee's order of distribution."

Plan proposes: $1,000 x 60 beginning 3/1/2021, base
Payments: 1/2, arrears $1,000
Matter ResolvedRequest
Adjourment
1454/21/2021 12:00 pm17-31356 / CMGCANDYCE I SMITH-SKLAR, ESQMotion CompensationGrantedTotal Paid In: $25,158.00
4/16/21(mk) Mp filed - covid extend-will lower payments over all- OK.
Changed dispo to no opp'n



TR Objection.- w/d
Matter ResolvedRequest
Adjourment
1464/21/2021 12:00 pm18-20511 / CMGRONALD E NORMAN, ESQMotion CompensationGrantedTotal Paid In: $17,643.00
Matter ResolvedRequest
Adjourment
1474/21/2021 12:00 pm18-22560 / CMGJustin M. Gillman, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment
1484/21/2021 12:00 pm19-11017 / CMGGeorge E Veitengruber IIIMotion CompensationGrantedTotal Paid In: $22,884.00
4/29/20: atty filed cert w/ time sheet - OK


Trustee obj<>w/d
Matter ResolvedRequest
Adjourment
1494/21/2021 12:00 pm19-17375 / CMGGeorge E Veitengruber IIIMotion CompensationGrantedTotal Paid In: $5,750.00
4/19/21: atty cert & time sheet filed- OK


Trustee obj<>W/D
Matter ResolvedRequest
Adjourment
1504/21/2021 12:00 pm19-29470 / CMGMelinda D Middlebrooks, EsqMotion CompensationGrantedTotal Paid In: $2,200.00
Matter ResolvedRequest
Adjourment
1514/21/2021 12:00 pm19-30498 / CMGDavid L. Stevens Motion CompensationContinued
6/2/2021 9:00 am
Total Paid In: $11,600.00
MK; told atty- I want to adj this to 6/2/21 date of MP.

atty offer to compromises fees to 1200 as in MP

Tr Obj.- no ability to pay in light of status of case. SEEKS FEES/COSTS $1763.50. MP filed 4/19/21 after this application

Debtor in arrears 16,000 as of 4/16/21.

TR Motion to Dismiss 4/21/21
Matter ResolvedRequest
Adjourment
1524/21/2021 12:00 pm20-10151 / CMGDaniel Straffi, Esq.Motion CompensationGrantedTotal Paid In: $7,130.00
Matter ResolvedRequest
Adjourment
1564/21/2021 3:00 pm20-20866 / CMGMelinda D Middlebrooks, EsqAP Summons IssuedJudge to Reserve DecisionTotal Paid In: $3,500.00
AP 21-1177 Russo vs. Franklin Mutual Insurance PRE-TRIAL
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes