Judge Michael B. Kaplan
Hearing Date: 4/24/2024
Hearing Count: 0
Last Updated: 04-19-2024 09:22 AM

Type an attorney name, case number, or disposition in the box below to filter results.
Example: type the last name of the debtor's attorney to show only records for that attorney;
type a case number to see only that case

Back to Hearings List
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
24/24/2024 9:00 am17-20067 / MBKCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $18,426.00
4/18 AMT: NO PYMTS SINCE LAST HEARING/NEED 3 PYMTS TO COMPLETE<>

3/21 AMT: ARREARS CURED/OWES MARCH & WILL COMPLETE TIMELY<<>>

Debtor obj, will pay prior to hearing<>ARREARS
Matter ResolvedRequest
Adjourment
64/24/2024 9:00 am18-33921 / MBKJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $25,456.00
ADJ to 4/24 - Atty recently was in contact with debtor and will make final payment.

4/9 AMT; ADVISED ATTY NEED 1 ADD'L PYMT TO COMPLETE<<>>


FAILED TO PAY PLAN BALANCE
Matter ResolvedRequest
Adjourment
104/24/2024 9:00 am18-35241 / MBKTIMOTHY P NEUMANN, ESQCreditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $85,807.00

Debtor obj, requests reapayment plan<>PATRICIA SKINNER
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am18-35241 / MBKTIMOTHY P NEUMANN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $85,807.00
3/25 AMT: PAYOFF LETTER PROVIDED<<>>

ARREARS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am18-35244 / MBKALEXANDER J RINALDI, ESQMotion Motion (Generic) - Only use if no other event is applicableNo Opposition Filed
MTN DEEMING TR CONDUIT PYMTS CURRENT
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-10510 / MBKJonas Singer, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition Filed
MTN DEEMING TR CONDUIT PYMTS CURRENT
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-12383 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $100,743.00
Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-14443 / MBKWarren Levy, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $48,312.00
Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-15219 / MBKAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/8/2024 9:00 am
Total Paid In: $35,412.00
AMT; DEBTOR MAKING PYMTS/1 TO COMPLETE<<>>

FAILED TO PAY PLAN BALANCE
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-15516 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $9,189.00
Debtor obj, making pymt<>FAILED TO PAY PLAN BALANCE
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-16645 / MBKMaryBeth Schroeder, Esq.Motion Cross MotionContinued
5/8/2024 9:00 am
Total Paid In: $87,432.00
GREGORY HEIZLER CROSS MTN FOR NUNC PRO TUNC RETENTION (Casello)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-16645 / MBKMaryBeth Schroeder, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
5/8/2024 9:00 am
Total Paid In: $87,432.00
MTN TO DISGORGE SPECIAL COUNSEL FEES
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-16854 / MBKWarren Brumel, Esq.Motion to Cancel and DischargeNo Opposition Filed
MTN TO CANCEL DICHARGE/WELLS FARGO BANK (DJ-95337-16)
Matter ResolvedRequest
Adjourment
184/24/2024 9:00 am19-18333 / MBKThomas G. Egner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $39,939.00
2/23 AMT: PL BAL $15,689 in mo 58<<>>

Debtor obj, will pay before mo 60<>PLAN WILL NOT COMPLETE TIMELY DUE TO ORDER #34 ADDING PP MTG ARREARS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-19335 / MBKPeter J. Broege, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $182,304.00
AMT: PIF/PENDING CLOSING<>

Debtor obj, will pay<> ARREARS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-21345 / MBKEugene Roth, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $78,536.00
Debtor obj<>RUSHMORE/Ship Ave (Saltzman)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-21668 / MBKKevin C. Fayette, EsqRE-LISTED Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $39,016.00
amt: 1/24/24 hearing was OTBS<<>>

debtor obj<> NATIONSTAR/Woodland St (Greenspoon)
Matter ResolvedRequest
Adjourment
104/24/2024 9:00 am19-22136 / MBKFranklin S. Montero, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $98,850.00
ADJ to 4/24 for MP to be filed (dm)
Debtor obj<>FAILED TO FILE FEASIBLE PLAN/WILL NOT COMPLETE TIMELY DUE TO CONS ORDER DOC #80 ADDING >$18,000 TO PLAN
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-22682 / MBKWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $59,946.00
Debtor obj<>SV/PNC BANK
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-23348 / MBKMaryBeth Schroeder, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $6,206.00
FAILED TO SELL LONG JOHN SILVER PPTY BY AUG, 2020 AND TURN OVER N/E PROCEEDS TO PAY T/H EQUITY IN R.E.
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-25802 / MBKYakov Rudikh, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $24,727.00
Debtor obj, will pay<>ARREARS
Matter ResolvedRequest
Adjourment
134/24/2024 9:00 am19-27023 / MBKYakov Rudikh, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $31,145.00
AMT: ARREARS CURED/OWES APRIL & WILL COMPLETE TIMELY<<>>

ADJ to 4/24 for payment to post (dm)
Debtor obj, requests time to pay<> ARREARS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-27043 / MBKMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $93,064.00
Debtor obj, requests recap<> ARREARS
Matter ResolvedRequest
Adjourment
194/24/2024 9:00 am19-30337 / MBKPeter E. Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $24,592.00
AMT: $24,592 PTD (54); $1,000 X 6 BEG 5/1/24 ( ATTY OK)<<>>

$4,500 mailed - needs to clear - ADJ 4/24 to post (dm)

Debtor obj, will pay<>ARREARS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-30469 / MBKBrian L. Hoffman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $15,370.00
AMT: $ 15,370 PTD (54); $ 470 X 6 BEG 5/1/24 (ATTY OK)<<>>

FAILED TO PAY PLAN BALANCE
Matter ResolvedRequest
Adjourment
284/24/2024 9:00 am19-30489 / MBKMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $54,942.00
Debtor obj, filing MP<>SV/ANDREWS FCU; ARREARS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-30843 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $15,583.00
Debtor obj, will pay<>FAILED TO PAY PLAN BALANCE
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am19-30989 / MBKAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $56,326.00
Debtor obj, proposes pymt & 6 mo cure<>WELLS FARGO/Green Grove Rd (FRENKEL LAMBERT)
Matter ResolvedRequest
Adjourment
234/24/2024 9:00 am19-33242 / MBKCandyce I. Smith-Sklar, Esq.Motion File Claim After Claims Bar DateWithdrawnTotal Paid In: $33,484.00
Debtor obj<>MTN TO ALLOW BROADWAY NY, LLC TO FILE LATE CLM AND PAYABLE IN THE PLAN
Matter ResolvedRequest
Adjourment
254/24/2024 9:00 am20-10160 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $36,580.00
Debtor obj, made pymt & requests recap<>ARREARS; NOT FEASIBLE DUE TO PP CLMS
Matter ResolvedRequest
Adjourment
244/24/2024 9:00 am20-11064 / MBKKevin C. Fayette, EsqRE-LISTED - Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $17,429.00
7/12/23 HEARING WAS OTBS<<>>

Debtor obj<> SESLENE/Walnut Ave (Pincus)
Matter ResolvedRequest
Adjourment
334/24/2024 9:00 am20-14186 / MBKSteven J. Abelson, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $34,184.00
Debtor obj, made pymt<>FREEDOM MTG/3rd Ave (Brock & Scott)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am20-21589 / MBKGeorge E. Veitengruber, III, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - Objections
MOTION TO VACATE DISMISSAL

1) Trustee OBJ:
- The Trustee issued two debtor refunds totaling $2,256.71 in April 2024. The debtor's arrears are $3,106.71 as of April 15, 2024, which includes the debtor refunds.
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am20-23241 / MBKPeter E. Zimnis, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $20,011.00
Debtor obj, making pymts<>NJTL CAPITAL (GARY ZEITZ)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am20-23883 / MBKBruce C. Truesdale, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTotal Paid In: $13,081.00
MTN TO AUTH DISTRIBUTION OF INS PROCEEDS NUN PRO TUNC
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am21-13286 / MBKKevin C. Fayette, EsqCreditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $28,070.00
Debtor obj, can pay<> US BANK/New Jersey Road (Brock & Scott)
Matter ResolvedRequest
Adjourment
314/24/2024 9:00 am21-14191 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $17,800.00
AMT: 4/10 *****<<>>

Debtor obj, filed MP<>FAILED TO SELL ORANGE AVE PPTY BY 2/124
Matter ResolvedRequest
Adjourment
344/24/2024 9:00 am21-15867 / MBKPeter J. Broege, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $8,210.00
AMT: PPSD TR ORDER: $8,210 PTD (33); $432 X 8 BEG 5/1/24; PLAN EXT TO 41 MO (EMAIL TO ATTY)<<>>

ADJ to 4/24 for payment to post (dm)



Debtor obj, can make pymt & requests recap<> ARREARS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am21-16000 / MBKRobert Cameron Legg, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceNo Opposition FiledTotal Paid In: $42,608.00
MTN TO APPROVE REFI
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am21-16687 / MBKThomas G. Egner, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $2,900.00
Debtor obj, made pymt<> EAST COAST LUMBERTON APTS (Spohn)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am21-18761 / MBKKevin C. Fayette, EsqTrustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $19,354.00
Debtor obj, lm completed, filing MP<> ARREARS
Matter ResolvedRequest
Adjourment
364/24/2024 9:00 am21-18992 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $51,797.00
ARREARS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am21-19475 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $42,625.00
Debtor obj<>WILMINGTON SAVINGS /Stamford Drive(HILL WALLACK)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am22-10295 / MBKKevin C. Fayette, EsqMotion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $44,463.00
SANTANDER / Tekening Way (GROSS)
Matter ResolvedRequest
Adjourment
394/24/2024 9:00 am22-10573 / MBKEdward Hanratty, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $104,676.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj<>ROCKET /MTG/QUICKEN - Branden Ave (KML)
Matter ResolvedRequest
Adjourment
524/24/2024 9:00 am22-10851 / MBKSTEVEN J. SICOCreditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $49,150.00

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

Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am22-11315 / MBKMelinda D Middlebrooks, EsqMotion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTotal Paid In: $3,156.00
FREEDOM MTG / Warren Street (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am22-11555 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Moot - Dismissed
WILMINGTON SAVINGS /Mermaid Ave (ROBERTSON)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am22-12070 / MBKRobert Cameron Legg, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsTotal Paid In: $29,657.00
MTN TO REFI<<>>

as of 4/15 we have no documents yet edc
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am22-12736 / MBKPeter E. Zimnis, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $8,986.00
Atty filed obj<> ARREARS
Matter ResolvedRequest
Adjourment
474/24/2024 9:00 am22-15454 / MBKCarol L. Knowlton, Esq.Motion Extend TimeNeeds Resolution of Issues - ObjectionsTotal Paid In: $45,250.00
EXTEND SALE TIME
Matter ResolvedRequest
Adjourment
484/24/2024 9:00 am22-15454 / MBKCarol L. Knowlton, Esq.Motion Cross MotionNeeds Resolution of Issues - ObjectionsTotal Paid In: $45,250.00
Debtor obj<>CREDITOR, MITCHELL CROSS MTN TO CONVERT TO CH 7 (Kasen)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am22-16555 / MBKJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $47,902.00
AMT: $47,902 PTD (20); $5,630 X 40 BEGINNING 5/1/24 (ATTY OK)<<>>

ARREARS
Matter ResolvedRequest
Adjourment
504/24/2024 9:00 am22-17009 / MBKMarcia Y. Phillips, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $4,645.00
ADJ to 4/24 for MP to be filed (dm)

Debtor obj<>SV/AMERICAN HONDA
Matter ResolvedRequest
Adjourment
664/24/2024 9:00 am22-17261 / MBKGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $5,616.00
Debtor completed Trial Mod with January payment - ADJ to 2/28 for final Loan Mod (dm)

Debtor obj, approved for trial mod<>FAILED TO LM BY 4/1/23; LOSS MIT EXPIRED 11/1/23
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am22-17406 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $20,250.00
Debtor obj, filing MP<>FAILED TO REFI BY 3/1/24
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am22-17525 / MBKSteven J. Abelson, Esq.Motion Reinstate StayNo Opposition FiledTotal Paid In: $2,850.00
AMT: TR LTR REQUESTING CONDUIT<>

REINSTATE STAY
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am22-18697 / ABACarol L. Knowlton Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 260 of 17 required payments   Arrears: $0  

ISSUES AS OF 4/17/2024 (DM):

 Motion to Expunge Renny & Shelia Jones POC (9-1) is scheduled for 5/14/24 (dm)

 4/10/24 (EDC): Per Judge, by 4/22/24 debtor to provide all docs, insurance, MP, resolve trustee issues regarding feasibility. Can file Cert of Default on 4/23/24 if not all docs received with order dismissing the case.

 Marital residence was sold, and trustee received $64,564 from sale but otherwise has only paid 2 of 17 payments.

1) Renny & Shelia Jones (CORVELEYN LAW FIRM) OBJs - case pending for 17 months, claims that the 4 properties, although in the name of debtor, are not really hers because Jones put up all the money. Debtor is collecting rent on 2 properties but not disclosed in schedules. Secured POC from Renny and Sheila Jones (Graig Corveleyn, Esq) in the amount of $1,422,602.98 makes the case infeasible. 100% due to non-exempt equity in real estate.

2) Trustee OBJ and Balboa Notes:
- Not feasible - would need over $1,000/month even if we don't include 1.4 million claim.
- Needs MP to be filed selling at least one property to be feasible.
- Need proof of employment.
- Need trustee payments.
- Need Homeowner's Insurance for all properties (UNRESOLVED).
- Pay Stubs for period ending 09/01/2022 - 10/31/2022 (UNRESOLVED).
- Current Pay Stub (UNRESOLVED).
- Tax Declaration Form/Pre-Conf Certification (UNRESOLVED).
- Need 2022 tax return (UNRESOLVED).
- Proof Debtor has no ownership interest Fencl Enterprises, LLC (UNRESOLVED).
- Are 602 Cinnaminson & 725 Morgan rented?
- MP needed now that the sale was completed, to deal with municipal fines, real estate taxes, and water/sewer - See POCs 9, 12-15 (UNRESOLVED).
- MP or file a Motion to address claim of Renny & Sheila Jones (UNRESOLVED).
- Amend Petition (aka Fenci "see property search 401 Second Street").
- Amend Sch C - Debtor is over on 522(d)(5) as full 522(d)(1) was used (UNRESOLVED).
- Who is the 4th person on debtor's Form 122C? Debtor is separated.
- Amend Sch. I/J: clarify income and sou
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am22-18766 / MBKCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $11,598.00
AMT; TR LTR REQUESTING CONDUIT<>

Debtor obj, payments have been made<> NATIONSTAR/Landon Dr (LOGS)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am22-18873 / MBKStacey L. Mullen, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $11,400.00
AMT: ARREARS CURED/OWES PARTIAL APRIL AND WILL COMPLETE TIMELY<<>>

Debtor obj, will cure end of march<> ARREARS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am22-19683 / MBKLee M. Perlman, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $30,766.00
AMT; ARREARS CURED/OWES APRIL & WILL COMPLETE TIMELY<>

Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment
644/24/2024 9:00 am23-10661 / MBKDavid E. Shaver, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $21,174.00
4/9 AMT: ATTY SENT $3,058 TO LOCKBOX & DEBTOR MADE TFS PYMT ON 4/5. ADJ'G FOR FUNDS TO POST<<>>

Debtor obj, sent pymts<> ARREARS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-10696 / MBKBruce C. Truesdale, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $13,488.00
Debtor obj, made pymt & requests 6 mo cure<>SANTANDER /2015 BMW (EISENBERG)
Matter ResolvedRequest
Adjourment
674/24/2024 9:00 am23-10971 / MBKMarc C. Capone, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $33,291.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj<>SN SERVICING/new Brunswick Ave (FRIEDMAN)
Matter ResolvedRequest
Adjourment
784/24/2024 9:00 am23-11013 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $1,300.00
AMT: MP 4/24** <>>

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

Debtor obj, needs to extend sale to July, 2024<>FAILED TO SELL MICHIGAN AVE PPTY BY 12/1/23
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-11446 / MBKRobert Cameron Legg, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $21,098.00
Debtor obj, making pymt & requests cure outside plan<> CENLAR/Elm Drive (Sern & L)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-11604 / MBKRichard F. Fried, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $1,590.00
Debtor obj, made pymts<>AMERICREDIT/2020 Buick Encore (Eisenberg Gold)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-11619 / MBKKarina Pia Lucid, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $19,498.00
PNC /E. Militia Rd (MARTONE & UHLMANN)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-11627 / MBKMelissa Wotton, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $7,896.00
ARREARS; FAILED TO COMPLY WITH SALE ORDER #60 TO PROVIDE HUD TO TRUSTEE
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-11998 / MBKCandyce I. Smith-Sklar, Esq.Motion SellNo Opposition FiledTotal Paid In: $4,079.00
17 CORNWALL AV
Matter ResolvedRequest
Adjourment
964/24/2024 9:00 am23-12579 / MBKJonathan Goldsmith-Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $9,789.00
AMT: MP 4/24 <<>> Recommend Dismissal

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

Debtor obj, will pay<>SV/CAPITAL ONE AUTO; ARREARS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-12823 / MBKPaul H. Young, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $5,400.00
Debtor obj, filing MP<>FAILED TO LM BY 2/28/24
Matter ResolvedRequest
Adjourment
774/24/2024 9:00 am23-12957 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $5,310.00
ADJ t0 4/24 for payment to post or dismiss - Note that Debtor received Trial Mod for 6 months starting 5/1 (dm)

ADJ to 3/13 Peremptory for decision on Loss Mit application (dm)
$1,800 TFS pending per AR

ADJ to 1/10 due to arrears

Debtor obj, filed loss mit extension TO 3/15/24;<>FAILED TO LM BY 10/11/23
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-13754 / MBKAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $1,500.00
MP on 4/24/24>HR>>

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

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

Debtor obj, listing ppty for sale<>FAILED TO LM WITH HSBC BY 11/15/23; FAILED TO LM WITH STATEBRIDGE BY 12/32/23
Matter ResolvedRequest
Adjourment
854/24/2024 9:00 am23-13872 / MBKYakov Rudikh, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $8,788.00
AMT: PENDING TFS PYMT CURING ARREARS THROUGH MARCH; CAN RESOLVE WITH RECAP ON 4/24 <<>>

Debtor obj, will pay<> ARREARS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-14007 / MBKRobert H. Johnson, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $8,300.00
Debtor obj, made pymt<>SN SERVICING /dANELLA wAY (FRIEDMAN)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-15604 / MBKPRO SEMotion Motion (Generic) - Only use if no other event is applicableNo Opposition Filed
MTN TO PAY FEE ORDER FROM FUNDS ON HAND (FERRO)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-15786 / MBKRussell L. Low, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $6,772.00
Debtor obj, requests 6 mo cure<>WILMINGTON SAVINGS / Ann St (FRIEDMAN)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-17713 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $2,400.00
PHH MTG/Herbert Rd (ROBERTSON)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-17763 / MBKScott J. Goldstein, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition Filed
LOSS MIT/NEW REZ
Matter ResolvedRequest
Adjourment
1044/24/2024 9:00 am23-17826 / MBKJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayOrder to be Submitted
ADJ to 4/24 Peremptory
Debtor obj, made pymts which have not been credited<>US BANK NAT'L ASSOC /Riverside Dr(STERN & EISENBERG)
Matter ResolvedRequest
Adjourment
1094/24/2024 9:00 am23-18117 / MBKJohn Zimnis, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objections
ADJ to 3/27 - Hold for Judge
AMT: TR LTR REQUESTING CONDUIT<>
MULTIPLE PRIOR FILINGS WITH CREDITOR DEFAULTS
3X CERTY ON STILL NOT CURRENT
Debtor obj<> US BANK/Carrie Drive (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
1214/24/2024 9:00 am23-18323 / MBKGeorge E. Veitengruber, III, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $8,706.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, made pymt<>PNC BANK / W. Bangs Ave (FEIN SUCH)
Matter ResolvedRequest
Adjourment
1014/24/2024 9:00 am23-19491 / MBKJames J. Romero, Esq.Motion Reopen Ch. 13 Case (fee)No Opposition Filed
MOTION TO REOPEN
Matter ResolvedRequest
Adjourment
1024/24/2024 9:00 am23-19491 / MBKJames J. Romero, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - Objections
Trustee objection:
This 6 month old case was dismissed in January for failure to make any trustee payments and because the debtor failed to attend the 341a meeting. The debtor should file a new case case with the court unless counsel is holding the entire trustee balance of $19,530 in his trust account.
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-20451 / MBKBrad J. Sadek, Esq.Motion Requesting RedactionJudge to Reserve Decision
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-20451 / MBKBrad J. Sadek, Esq.Motion Requesting RedactionJudge to Reserve Decision
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-20451 / MBKBrad J. Sadek, Esq.Motion Requesting RedactionWithdrawn
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-20451 / MBKBrad J. Sadek, Esq.Motion Relief from Stay (Fee)Order Previously Submitted
OTBS - adding $12,796.60 to the plan (dm)
AMT; TTR LTR REQUESTING CONDUJIT<>

Debtor obj, proposes pymt & recap in plan<>NATIONSTAR MTG/Saddler Dr (McCALLA)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-20639 / MBKFrederick J. Simon, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $1,754.00
CARRINGTON MTG/ New Street (KML)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-20803 / MBKAndrew M. Carroll, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
Debtor obj
Matter ResolvedRequest
Adjourment
1164/24/2024 9:00 am23-20923 / MBKMichael P. Otto, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $13,375.00
Debtor obj, made pymt<>CROSSCOUNTRY MTG /Chelsea Rd (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-21056 / MBKPRO SEMotion to Vacate DismissalNeeds Resolution of Issues - Objections
MTN TO VACATE DISMISSAL

1) Trustee OBJ:
- Trustee arrears are $500 as of 4/15/24.
- Need homeowners insurance wit liability coverage.
- Need motor vehicle insurance.
- Need 341 Docs including 2022 tax return, proof of income, CMA, Deed, bank statements.
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-21194 / MBKKarina Pia Lucid, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition Filed
PLAN WAS DENIED ON 2/28/24 AND FAILED TO FILE MP WITHIN 14 DAYS
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-21581 / MBKDavid G. Esposito Motion Reopen Ch. 13 Case (fee)Order to be Submitted
REINSTATE CASE AND STAY

$600 in arrears
341 not held-need all documents
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am23-21581 / MBKDavid G. Esposito Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order to be Submitted
trustee objection:
$600 in arrears
341 not held-need all documents
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am24-10096 / MBKPaul H. Young, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - Objections
PC 4, LLC obj (Zeitz)<>MOTION TO VACATE DISMISSAL

1) Trustee OBJ:
- Trustee arrears of $600 as of 4/15/24.
Matter ResolvedRequest
Adjourment
1094/24/2024 9:00 am24-10993 / MBKGeorge E. Veitengruber, III, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objections
Debtor obj, filed mtn to cram<>ALLY CAPITAL/2017 Ram 1500 (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am24-11021 / MBKJohn Zimnis, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawn
MTN EXPUNGE YAD CLM
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am24-11316 / MBKRONALDO C GEORGEMotion Relief from Co-Debtor StayNo Opposition Filed
US BANK TRUST / Deans Lane (ROBERTSON)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am24-11369 / MBKPRO SEMotion Relief from Stay (Fee)No Opposition Filed
HALINA KAPALA/LANDLORD (LEWIS ADLER)
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am24-11453 / MBKYakov Rudikh, Esq.Creditor obj to plan and request for SVNo Opposition Filed
CLEVELAND APT PTR OBJ TO PLAN AND REQUEST FOR SV
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am24-13073 / MBKYakov Rudikh, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
MTN TO IMPOSE STAY
Matter ResolvedRequest
Adjourment
04/24/2024 9:00 am24-13393 / MBKAndrew M. Carroll, Esq.Motion Reinstate StayNeeds Resolution of Issues - Objections
OST/MTN REINSTATE STAY
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am19-29605 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 212 of 54 required payments   Arrears: $0  
Total Paid In: $45,229.00
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am20-14335 / SLMScott D. Sherman, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $12,720.00
Debtor obj<>ALLY BANK/2020 Grand Cher (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am20-15969 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 33 of 39 required payments   Arrears: $530.00  Total Paid In: $8,670.00
As of 4/16/24(mk):

**CAN REC CONFIRM AT $8,670 Then $265 x 5 Begin 5/1/24 Base.needs application and order for supplemental fees with in 7 days of confirming order.
Plan shortened to total 44 mos.
Student loans outside**



MP proposes:$8405 PTD; $265 X 6 BEG 3/2024; $0
TO PROVIDED FOR PAYMENT OF STUDENT LOAN O/S PLAN AND LENGTH OF PLAN ALTERED

prev confirmed at:9/13/22 - $3,951 PD TO DATE (28 MOS) $248 X 41 BEGIN 9/1/22; POT BASE $14,119
NE PROCEEDS LAWSUIT
FEE APP W/IN 7 DAYS OF ENTRY OF MP CONF ORDER
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am22-17525 / MBKSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 19 of 19 required payments   Arrears: $0  
Total Paid In: $2,850.00
ISSUES AS OF 4/17/2024 (DM): Need $50,000 proposed in the MP by 4/8/24.

 Per Order (Doc #70), the stay was automatically lifted on 4/1/24 with respect to the PHH Mortgage on the Corbin Ave property. Motion to Reinstate the Stay scheduled for 4/24/24.

1) Need Fee App ($500) within 7 days of confirmation.


Confirmed Case: $1,650 Ptd, $150 x 25, 100% Plan with $527,883 Min Div.
- balance of plan to be paid from sale of Bidwell Ave by 3/31/24.
Prop. MP: $2,550 Ptd, $150 x 42, 100% Plan.
- $50,000 contribution from brother by 4/8/24.
- sale of Bidwell property by 12/31/25.
- $50,000 contribution from brother by 12/31/25 if Bidwell property does not sell.
PTD = $2,850, Arrears $0 as MP filed.
Last Claim (2-1) dated 5/22/23.
Matter ResolvedRequest
Adjourment
1154/24/2024 10:00 am23-10380 / MBKHerbert B. Raymond, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 15 required payments   Arrears: $7,455.00  Total Paid In: $7,500.00
As of 4/8/241 (DS): Debtor atty requested adjournment to allow more time to resolve creditor obj.

As of 4/1/24 (DS): 1. Mod plan changes Part 8a vesting of property of the estate upon discharge, needs to be upon confirmation.

2. NJ Housing (STUART WEST) obj to previous plan propose step up payments, plan has has changed to continue $500 payments and now refinance. Obj must be resolved.

MP Prop $500 x 60; 100% and Refinance on Darrow St by 12/31/24
- Loan mod was denied 2/3/24, plan now propose to refinance and cure arrears.
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-10696 / MBKBruce C. Truesdale, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 15 required payments   Arrears: $8,038.00  Total Paid In: $13,488.00
AS OF 4/15/24 (SF) BELOW ISSUES STILL NOT RESOLVED


1. Plan proposes to remove arrears to Midfirst Bank. Need proof that Midfirst Bank was paid by Erma and also need amended claim for Midfirst Bank

2. Modified plan proposes to reduce payment from $1650 to $1100. Need updated proof of income and amended I and J

3. Motion for Relief Santander scheduled for 4/24/24 at 9


MP proposes $1650 x 8; $1100 x 48 Base
Plan proposes to remove arears to Midfirst due to Erma funding
Arrears: $5287.50 through February


Matter ResolvedRequest
Adjourment
1424/24/2024 10:00 am23-11013 / MBKRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 13 of 14 required payments   Arrears: $100.00  Total Paid In: $1,300.00
issues as of 3/14/2024 (JMA)

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

proposed plan $100x25 100% plan with property listed for sale by 3/1/2024 and sale by 7/31/2024
paid in $1,300
23 months to go
Matter ResolvedRequest
Adjourment
1174/24/2024 10:00 am23-11930 / MBKMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 4 of 13 required payments   Arrears: $1,249.00  
ADJ to 4/10 Peremptory
4/17 workup for the 4/24 calendar EDC
SAME AS LAST TIME 13 months old

motion for relief on for 4/10 ---OTBS TERSMS HAVE HIM PAYING ADDITIONAL $941 MONTHLY TO PAY POST PET ARREARS. DEBTOR DOES NOT HAVE THIS MONEY IF YOU LOOK AT POI BELOW

Trustee objection:
-- The debtor has insufficient income . ONLY $195 MONTHLY after adding contribution, updated poi and p&l
--Amendments to Schedules B & C to include class action lawsuit proceeds and
--amendment to schedule I to include the debtor's new job
--The debtor has undertaken an improper use of exemption. Specifically: Debtor is over
the D5 exemption limit by $13,949.
---There is $170,332 in non exempt equity in the residence.
--There is $13,949 in non exempt equity in the personal property.
--Need to file Pre-Confirmation Certification.
--Resolve post-petition child support arrears of approximately $6,000.
---Debtor to file motion to approve lawsuit settlement nunc pro tunc

NEEDS TO BE 100% PLAN. GUC'S TOTAL $4,831.26. BAR DATE HAS PASSED.

$350 X 12; $1750 X 48 BEG 4/2023; BASE
---------------------
Resolved:
--Proof of 2 month's income showing feasibility done
- current income for the debtor from new job done
--Business profit & loss statements done
--A copy of the homeowner's insurance renewal declaration - that includes liability
coverage. done
--Need proof of insurance for the 2015 Dodge.
---Domestic Support Obligation information (done)
Matter ResolvedRequest
Adjourment
1434/24/2024 10:00 am23-11998 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledRecommend DenialDebtor has made 5 of 13 required payments   Arrears: $489.00  Total Paid In: $4,079.00
ISSUES AS OF 4/16/2024 (DM):

***MP provides for a sale by July 2024 and no post-petition MORTGAGE PAYMENTS pending the sale. In Part 4a the plan specifically provides that $20,429.44 in PRE-PETITION ARREARS will be paid through the plan by the Trustee. In Part 4g the plan specifically provides that $19,220 in POST-PETITION ARREARS will be paid through the plan by the Trustee. The mortgage company obtained stay relief on 3/14/24. This plan can't be confirmed - RECOMMEND DENIAL OF MP***

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

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

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

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


Confirmed Case: $1,923.48 Ptd, $380 x 5, $745 x 48, Base Plan.
- debtor to sign-up for TFS within 14 days.
Prop. MP: $268 x 11, $380 x 5, $1,116.12 x 43, Base Plan.
- Sale of Cornwall Ave by 7/2024.
PTD = $4,079.48, Arrears $496 as MP filed.
Last Claim (8-2) dated 6/20/23.
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-12216 / MBKAdam Clinton Brown, Esq.Order Vacate Dismissal of CaseRecommend DismissalDebtor has made 13 of 13 required payments   Arrears: $0  

ISSUES AS OF 4/17/2024 (DM):

 Per Order Vacating Dismissal, debtor was to move against the IRS estimated claim if not amended by 3/27/24. No motion filed - RECOMMEND DISMISSAL.

***If debtor filed 2020 tax returns and can get the IRS to amend the status of its claim to filed, then case will be ready to confirm at the proposed $2,450 monthly payment and pay off the case at 100% in approximately 12 more months***

1) MP provides $48,575.83 secured treatment to the IRS - amended POC (2-5) was filed by the IRS consisting of $25,981.38 priority claim and $3,530.01 general unsecured claim. There are unfiled tax returns for 2020 per the filed amended claim that must be resolved before case can be confirmed (UNRESOLVED).

2) MP provides Base treatment in Part 5a and 100% treatment in Part 9 (TRUSTEE WILL TREAT PLAN AS 100% BASED UPON $557,599 NON-EXEMPT EQUITY IN ASSETS).

3) Trustee OBJ:
- Need proof of rental income showing $8,760.50 per month.
- Need amendments to Form 22C to include rental income on part 10.
- Excessive Expenses: $1,000 food for household of one, $350 clothing.
- There is $418,050 non-exempt equity in real estate (MP MAY BE 100%).
- There is $13,550 non-exempt equity in 2017 Nissan (MP MAY BE 100%).
- There is $126,000 non-exempt equity in the business (MP MAY BE 100%).
- Need to file Pre-Confirmation Certification (UNRESOLVED).
- IRS filed an estimated claim which needs to be amended (SEE NOTES ABOVE).
- Debtor's attorney must file a fee application within 7 days of confirmation (NEED ESTIMATED FEES THROUGH THE PLAN).

***RESOLVED ISSUES***

A) Trustee OBJ:
- Debtor has insufficient income (DEBTOR MAKING PAYENTS).
- Need a MP that completes Part 5 and Part 8 (FILED).
- Order of Distribution departs from Trustee standard (MP CORRECTS).


Prop. Plan $2,450 x 60, Base & 100%
Note - Plan should be $1,694.65 x 7, then $2,450 x 53 based on date MP was filed.
PTD 13/13 = $31,849.90
Last Claim (2-5)
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-12579 / MBKJonathan Goldsmith-Cohen, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 4 of 13 required payments   Arrears: $5,419.00  Total Paid In: $9,789.00
ISSUES AS OF 4/17/2024 (DM):

***Debtor is 2 Conduit Payments behind - RECOMMEND DISMISSAL***

1) MP proposes $3,767.09 priority treatment to the Borough of Red Bank - no POC filed (STRIKE??)

2) Capital One $607 arrears POC (4-1) on 2020 GMC Terrain not treated in the MP (OKAY TO PAY??)

3) MP provides 2017 Acura ILX vehicle traded in for new vehicle financed by boyfriend as the reason for MP. But Capital One Auto Finance was not specifically surrendered or addressed otherwise in the plan (ADD SURRENDERED??)


Confirmed Case: $4,527.73 Ptd, $872 x 54, Base Plan.
Prop. MP: $863 x 60, Base Plan.
- debtor traded in 2017 Acura ILX on new car financed by boyfriend.
PTD = $9,788.73, Arrears $2,774 as MP filed.
Last Claim (12-1) dated 6/5/23.
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-13108 / MBKMarc C. Capone, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 8 of 12 required payments   Arrears: $550.00  Total Paid In: $1,250.00
Matter ResolvedRequest
Adjourment
1184/24/2024 10:00 am23-13213 / MBKLee M. Perlman, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 25 of 12 required payments   Arrears: $0  
Total Paid In: $12,350.00
workup for 4/16 calendar EDC
SAME AS LAST TIME

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

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

Matter ResolvedRequest
Adjourment
1194/24/2024 10:00 am23-13455 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 12 required payments   Arrears: $265,798.00  Total Paid In: $11,611.00
ISSUES AS OF 4/17/2024 (DM):

***If Atty thinks any secured claims (IRS/NJ) were satisfied at closing, then claims need to be amended or moved against because Trustee is unable to match the filed claims to the payments reflected on the Settlement Statement***

 Received executed Settlement Statement - $171,576.72 in transit to the Trustee from the sale.

 Pending MFR on 2009 GMC Yukon (CO SUBMITTED - debtor to cure arrears by 4/30/24.)

1) MP fails to treat $13,039.60 State of NJ amended priority claim that was included in previous confirmed plan (OKAY TO PAY?? - Yes)

2) If interest is to be paid on State of NJ secured claim in the amount of $11,519.86, then a consent order is needed to provide the full amount of $14,685.78 interest included (CLAIM TO BE PAID AT CLOSING.)

3) In December debtor was given 30 days to obtain a consent order with State of NJ Spec Comp to pay $4,000 as secured on POC (8-1) through the plan - the claim was not amended (POC AMENDED TO $2,500 SECURED PLUS 2.25% ANNUAL INTEREST. NEED TO VERIFY THAT THIS IS STILL $4,000.)

4) Case was confirmed with student loans outside the plan - will that treatment remain the same? (STUDENT LOANS OUTSIDE THE PLAN)


Confirmed Case: $7,004.99 Ptd, $1,000 x 1, $1,803 x 51, 100% Plan with $134,465 Min Div.
- sale by 1/31/23 plus non-exempt proceeds.
Prop. MP: $1,000 x 7, $1,803 x 53, 100% Plan.
- sale by 7/31/24.
PTD = $11,610.99, Arrears $0 as MP filed. Now 1 payment behind.
Last Claim (8-2) dated 3/8/24.
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-13754 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 10 of 11 required payments   Arrears: $150.00  Total Paid In: $1,500.00
AS of 4/16/24(mk): atty ok to terms

**NEEDS TO CONFIRM AT $1500 PTD then $163 x 25 begin 5/1/24. BASE. Sale of real property by 8/30/24.
Plus NE proceeds, if any, from sale of real property**


MP proposes: 150 x 36 Base sale of Matthews lane by 8/2024
K of sale for residence $824,000

appl for supp fees- $945 fee
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-15611 / MBKJoseph Albanese, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 7 of 10 required payments   Arrears: $208.00  
MP to be filed in 14 days edc NFA NFA AR RESOLVE OR HOLD
4/17 workup for the 4/24 calendar EDC
10 MONTHS OLD

MP) $4000 PTD; $809 X 52 BEG 3/2024; MIN $34,336

*stay lifted on the Nissan on 2/15/24


1) TD Bank (Dembo Brown) objection to confirmation - need to resolve
-adversary complaint NONDISCHARGE

2) Trustee objection AND SUPPLEMENT to confirmation - need to resolve
- Proof of 2 month's income - Profit and Loss from 1/1/23-6/30/23 (P&L provided is up to 6/15/23) DOES DEBTOR STILL HAVE BUSINESS
-- Proof of income verifies higher, there is disposable income $12996. THIS CONSISTS OF $11,666 UPDATED MONTHLY P&L, $8645 MONHTLY SALARY DEBTOR TOOK FROM COMPANY, $2911 (MONTHLY) FOR HUGE TAX REFUND RECEIVED IN 2023.--NEED UPDATE ON IF DEBTOR STILL HAS BUSINESS.
- There is non-exempt equity in real property $871.16, $33,465.25 in Bank of America acct#0632, Bank of America acct#5708 (pending bank statements). TAX REFUND tax refund of $34,942.. There may also be equity in the sold Farmingdale home pending the receipt of the HUD- HUD THAT SHOWS REC $156,083 14 MONTHS BEFORE CASE WAS FILED.
- Need Bank of America acct#0632 from 4/12/23 - 5/11/23 and 2 months bank statements from Bank of America acct #5708 (prior to filing date).RECEIVED-THERE ARE AROUND $1600 IN EXCESSIVE PURCHASES FOR THE MONTH OF JUNE FOR ANN TAYLOR AND FREEPEOPLE CLOTHING
-The debtor needs to provide a certification explaining his income situation. The trustee needs 2 months worth of income from his new job and current information regarding his current business income
-The most recent online CMA's show the value of the home is now approximately $654,000. There is equity of $47,850.
--TRUSTEE NEEDS 2023 TAX RETURNS
-- The trustee needs a accountants valuation of both Vision and SG Construction
--received $34,942 refund year. What happened to this money? If added to income it would add additional $3000 a month in disposable income
--HAS $1825 A MONTH LEASE IN FLORIDA BEG OCT 2023. Why? Is this i
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-15615 / MBKRobert Manchel, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 7 of 10 required payments   Arrears: $2,502.00  
ISSUES AS OF 4/17/2024 (DM): no amendments or proof of additional expenses.

 ADJ to 4/24/24 - Atty wants to keep 60-month plan despite the amount of disposable income reflected on filed schedules - Atty will amend Sch J and provide proof of additional expenses (dm)

***To resolve Trustee disposable income objection, Trustee recommend a 48-month plan at $8,857 PTD, THEN $2,570 x 39 STARTING 4/1/24, 100% PLAN WITH $14,486 THRESHOLD PRESERVED, STRIKE PRIORITY PLAN TREATMENT TO THE STATE OF NJ, DEBTOR SHALL SIGN-UP FOR TFS AUTO PAY AND PROVIDE PROOF WITHIN 7 DAYS, BARNSDALE DR PROPERTY IS SURRENDERED AND DEBTOR IS FREE TO SEEK A LOAN MOD OUTSIDE THE PLAN, PRE-CONFIRMATION CERTIFICATION SHALL BE FILED WITHIN 7 DAYS***

 1/19/24 (DS): Debtor Atty requested adjournment to allow time to file MP to surrender Barnsdale property, adjourned peremptory, no further adjournments. Must resolve all issues by next hearing date.

1) MP provides $10 priority treatment to the State of NJ - no POC filed (STRIKE??)

2) Trustee OBJ:
- Tax Returns for 2022 indicate debtor received $13,754 tax refund, when prorated, result in $7,779 monthly disposable income (PER ATTY EMAIL, OKAY TO WORK UP AT 100%.)
- There is $14,486 non-exempt equity in real property.
- Debtor's Cert does not agree with rental lease. Cert has rent of $2,600 while lease has $2,475 (USING THE CERT STILL LEAVES $7,779 DISPOSABLE INCOME.)
- There is $7,779 monthly disposable income. The plan needs to be 100% (ATTY OKAY WITH 100%.)
- Need to file Pre-Confirmation Certificate (FILED.)

Note: Updated auto insurance provided 11/2/23. IRS claim no longer estimated.

***RESOLVED ISSUES***

 MFR by Wells Fargo (LOGS) on Stonehedge Dr property. Debtor owes post-petition arrears (CONSENT ORDER ENTERED FOR A 6-MONTH CURE.)

A) Wells Fargo (LOGS) OBJs - $54,788.73 arrears on Stonehedge Dr property (CONSENT ORDER ENTERED TO PAY CLAIM.)

 Cert of Default by US Bank (BROCK & SCOTT) on Barnsdale Dr property due to debtor not making pos
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-16695 / MBKMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 8 required payments   Arrears: $0  

ISSUES AS OF 4/17/2024 (DM):

***Before adding the Conduit payment, the amount needed to fund the plan going forward is $4,289 per month. If debtor was able to address 2nd mortgage outside the plan, the debtor would still need $3,144 per month. This plan is still not feasible***

 ADJ to 4/24/24 to work out issue on 2nd mtg (NEED STATUS.)

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

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

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

***RESOLVED ISSUES***

 MFR by Specialized Loan Servicing 1st Mtg (STEWART LEGAL) scheduled for 3/27/24 (COTBS - CASE CONVERTED TO CONDUIT.)

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

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


Prop. Plan $539 x 60, Base Plan
PTD 8/8 = $13,520
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-16878 / MBKStacey L. Mullen, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 8 required payments   Arrears: $8,355.00  Total Paid In: $8,040.00
UPDATED 4/19/2024 (JMA)

1) Debtor has not made the March or April payments pursuant to the terms of the proposed modified plan

to confirm need $8,040 paid to date, $1,418x52 begin 5/1/2024 minimum $37,834.01 dividend to general unsecured creditors


issues as of 3/14/2024 (JMA)

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


proposed plan $1,300x54 minimum $37,834.01 dividend to gucs
paid in $8,040
arrears $2,600
52 months to go
Matter ResolvedRequest
Adjourment
1444/24/2024 10:00 am23-17055 / MBKGabriel Del Virginia, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 8 of 8 required payments   Arrears: $0  

Now represented by Karina Lucid.
AR RESOLVE OR HOLD
As of 3/8/24 (DS): 1. ATTY CLAIM IN THE AMOUNT OF $14,145.68 STILL NOT WITHDRAWN.

2. Motorcycle insurance DOES not provide expiration DATE. (CORRECTED DOC EMAILED - NEEDS TO BE UPLOADED INTO OUR SYSTEM - dm)

1/24/24 (DS): 1. Debtor atty filed unsecured proof of claim for attorney fees $14,145.68, Plan also has attorney fees to be paid as admin. Recommend striking atty fees and POC will be paid as unsecured and mortgage arrears to be paid first, unless this claim is resolved. CLAIM HAS NOT BEEN WITHDRAWN AND IS A CONFLICT.

2. BELOW ISSUES REMAIN UNRESOLVED.

ATTY NS

10/25/23 (DS): 1. Trustee obj to the following:
- Need insurance for 2004 Harley, Certification regarding disposition of any proceeds received from the sale of North Carolina property $15,425 and information regarding the estate of debtor's father. PER CERT AND REVIEW OF CASE#22-16260 DISMISSED 7/13/23 $56,174.88 WAS PAID INTO PREVIOUS CASE, WHICH WAS 100%.
- Attorney fees in plan $14,145.68, but the attorney disclosure statement has $0 due to pro bono case, which do not agree. Must file mod plan to remove attorney fees. UNSECURED POC FILED BY DEBTOR ATTY FOR $14,145.68.
- There is non-exempt equity in real property $10,420.14, Wells Fargo Bank acct#7228 $17,982, 2004 Harley Davidson $5,260, 2010 Dodge Ram $3,445, 1992 Coleman Royale $300 and 2002 Honda XR6 MC $800.
- Need Trustee standard order of distribution.

Prop Plan $1,136.37 x 60 begin 9/15/23; 100%
Note: HUD om sale of NC properties, 2022 Tax return, POI and 401(k) loan balance statements all provided. Disposable income verifies $2100, plan pays 100%.
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-17113 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 8 required payments   Arrears: $50.00  
ISSUES AS OF 4/17/2024 (DM):

1) Trustee Suppl OBJ:
- Need proof of new $2,400 monthly rental payment.
- Need proof of $250 childcare expense.
- Need verification that $1,500 estimated tax payments are being made. Note that pay stub from 11/27/23 had taxes coming out and pay stub from 2/16/24 does not have taxes coming out. Need proof of excessive expenses 10 days prior to confirmation.

2) Trustee OBJ:
- Excessive Expense: $3,100 rent (MFR granted), $487 utilities, $541.67 childcare/education, $700 car insurance - Per statement provided, debtor pays $735.66/month for car insurance - does this include children and other people? Need proof of excessive expenses 10 days prior to confirmation.

 ADJ to 3/13/ for MP to be filed (dm)
 Landlord MFR scheduled for 1/24/24 (ORDER GRANTING STAY RELIEF.)


***RESOLVED ISSUES***

A) Trustee OBJ:
- Plan does not specify treatment of American Honda secured arrears claim (MP PAYS.)
- Need to file Pre-Confirmation Certification (FILED.)
- Need updated car insurance (RECEIVED.)


Prop. Plan $150 x 7, $200 x 41, Base Plan
PTD 7.5/8 = $1,200
Last Claim (18-1)
Matter ResolvedRequest
Adjourment
1554/24/2024 10:00 am23-17191 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanContinued
5/22/2024 10:00 am
Debtor has made 9 of 8 required payments   Arrears: $0  

4/17/24 - Debtor Response Doc #33 filed addressing Digital FCU objection (dm)
ISSUES AS OF 4/17/2024 (DM):

***Need to verify that Lakeview Loan (BROCK) will extend the sale date and agree to a low base pending the sale. Also need to resolve Digital FCU solar panel objection***

1) Digital FCU (LOGS) OBJs to the proposed surrender of solar panels in the MP and lien should remain until claim paid (UNRESOLVED).

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

***RESOLVES ISSUES***

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

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

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

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

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

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

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


Prop Plan $950 x 36, $2,345.04 Min Div
- sale of First Ave by 8/1/24
PTD 8/8 = $8,142.29
Last Claim (21-1)
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-17275 / MBKJeffrey S. WaltersConfirmation Hearing on Modified PlanMoot - DismissedDebtor has made 0 of 8 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-17367 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 6 of 8 required payments   Arrears: $1,629.00  
4/17 WORKUP EDC
**LAST PLAN DENIED AND STAY HAS BEEN GRANTED SO MP SURR HOUSE

CONF $5331 PAID THEN 1112 X 52 BEG 5/1/24 100%--TRUSTEE WILL NOT PAY UNSECURED PORTION OF AFFINITY CLAIM BECAUSE THE FULL BALANCE IS BEING PAID AS SECURED





1. Objection filed by PHH Mortgage (Robertson Anschutz) - failure to cure arrears of $65,269.72 (Per POC) and a loan modification has not been offered. (SURRENDER)
--motion for relief on for 3/27

2. Trustee's objection:
- Need a breakdown of "other" expenses of $49,000 on P&L. (NOT RECEIVED) Atty is waiting for response from debtor OK IF PAYING 100% EDC


RESOLVED ISSUES:
- The debtor needs to provide updated proof of insurance that shows the current insured
vehicles. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $500,000 in non exempt equity in the business. (100% plan )
- Need to file Pre-Confirmation Certification. (FILED)
- Need to resolve the bifurcated claim filed by Affinity FCU. (MOD PLAN PAYS CLAIM IN FULL)
- Amendments to Schedules C to exempt all property and statement of financial affairs
to list the debtor's business. (BOTH AMENDED)
- The debtor has insufficient income Verified income leaves monthly disposable income of
$1.41. (DISPOSABLE INCOME IS NOT $1,081 WITH WIFE'S INCOME)
- The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - for wife's new job (RECEIVED)

NEED UPDATED CAR INSURANCE. (RECEIVED)

Modified plan before confirmation proposes: $907 x 56, loan modification by 5/31/2024, 100% to unsecured creditors
Arrears: $1,777
Matter ResolvedRequest
Adjourment
1474/24/2024 10:00 am23-17505 / MBKAndre L. Kydala, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 8 required payments   Arrears: $2,100.00  
AS OF 4/15/24 (SF)


Debtor to move against estimated claims if not amended - ADJ to 4/24 Peremptory (AR) (CLAIMS ARE STILL ESTIMATED) Amended claim filed and still estimated


1. Modified plan filed and still does not address secured claims. Also tax claims are still estimated. Also Part 9 of the plan is blank. Plan is not feasible due to negative income. IRS and State of NJ claims are still estimated.


PLAN IS NOT FEASIBLE AND DISPOSABLE INCOME DOES NOT SUPPORT A HIGHER PAYMENT.

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

3. State of NJ filed estimated priority and unsecured claim 6-1 (NEED AMENDED CLAIM)

4. Carvana filed arears claim 7-1 in the amount of $509 which is not addressed in plan (OK TO PAY?)

5. Lynx Asset Services filed arrears claim 5-1 in the amount of $32,127.44 which is not addressed in plan (MUST RESOLVE)

6. Westlake Services LLC filed arrears claim 8-1 in the amount of $631.97 which is not addressed in plan (OK TO PAY)

7. Improper service to Kingwood Township. Did not serve Managing Agent or Tax Collector (STILL NEED)

8. Trustee objection:
- The debtor has failed to file a feasible plan - proposed plan only pays $13,800 - the mortgage arrears total $32,127.44 plus other claims

- Need Business profit & loss statements

- per Schedules I&J the debtor has disposable income of $1,376 why does plan only propose
payments of $230/month?

- There is $114,381.63 non-exempt equity in debtors home. This amount may change once
the IRS and State claims are amended.

-Westlake Financial Services filed a claim for 2007 Dodge Truck, the truck is not listed on the Schedules

-Need proof of insurance for 2007 Dodge Truck

-Need to file Pre-Confirmation Certification with Court



Plan proposes $230 x 6; $1300 x 54 Base
Payments: 6.5/8 Arrears: $2100




Matter ResolvedRequest
Adjourment
1844/24/2024 10:00 am23-17810 / MBKBrad J. Sadek, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 7 required payments   Arrears: $0  

4/17 workup for the 4/24 calendar edc
7 months same as last time

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

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

1. BELOW ISSUES REMAIN UNRESOLVED, NO DOCS PROVIDED.



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

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

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

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

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

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

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

--------------
RESOLVED
- Need to provide 7/2023 statement for Chase #9727; 8/2023 statement for Chase #6083; 8/2023 statement for Chase #8633 and 8/2023 statement for Capital One accts #2190 and #3356. OK EDC
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-17826 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 7 required payments   Arrears: $3,800.00  
OTBS - Post-petition arrears will be paid through Debtor's sale of the real property; On-going payments will be paid by Corporation in their Chapter 11 case; Debtor has 6 months to sell the Property or Debtor shall file a Modified Plan to wholly cure any delinquent payments still owing on the account. 30 day default clause; fees/costs paid via payoff through sale -- PPFN to be filed.
Matter ResolvedRequest
Adjourment
1644/24/2024 10:00 am23-18113 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 7 required payments   Arrears: $8,001.00  
trustee will agree to pay all creditors concurrently to resolve but we need OK from the mortgage company EDC--same as last time

4/16 workup for the 4/24 calendar edc

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

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

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

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

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


Prop Plan $2,743 x 60 begin 10/1/23; Base
-------------------------
resolved:
Debtor attorney requested adjournment to resolve State of NJ estimated tax claim. DONE
Matter ResolvedRequest
Adjourment
1654/24/2024 10:00 am23-18117 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 7 required payments   Arrears: $975.00  
AS OF 4/17/24 (SF) - Does atty agree to conduit? Need status.


**JUDGE ORDERED CONDUIT --NEED TO CIRCULATE ORDER

SEE NOTES IN CREDITOR CERT OF D

1. Cert of Default by SN Servicing/US Bank just filed scheduled for 4/24/24 at 9 (MUST RESOLVED

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

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


Plan proposes $975 x 60 100%
Payments: 6/7 Arrears: $975



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

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


Matter ResolvedRequest
Adjourment
1534/24/2024 10:00 am23-18407 / MBKVINCENT ANSETTIConfirmation Hearing ScheduledRecommend DismissalDebtor has made 3 of 4 required payments   Arrears: $2,320.00  
ISSUES AS OF 4/16/24 (DM):

***Atty needs to get 341 Hearing adjourned and then request adjournment of confirmation. Until then, RECOMMEND DISMISSAL***

1) 341 not held, not rescheduled
2) The Bank of New York Mellon (McCalla Raymer) objection to confirmation - need to resolve
- total arrears $218,956.25
3) Filed plan proposes payments of $2,320x72 base plan - cannot exceed 60 months

proposed plan $2,320x72 base plan
paid in $4,640
arrears $2,320
last claim 2
Matter ResolvedRequest
Adjourment
1574/24/2024 10:00 am23-18732 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 6 of 6 required payments   Arrears: $0  

Per atty ok to dismiss/hold fees

4/18/24 (SF)- BELOW ISSUES STILL APPLY

Atty will request adj to review with client to see if he can get a family contribution and resolve condo claim.

PLAN IS NOT FEASIBLE

Trustee objection:

1. Objection filed by Nationstar Mortgage (Wohlrab) - Debtor`s proposed plan is insufficient to provide for the claim of Secured Creditor. Upon review of internal records, the objecting creditor is due pre-petition arrears of approximately $70,729.09 (Order entered to pay arrears of $70,659.09 thru plan)

2. IRS filed estimated priority and unsecured claim 1-3 (amended) Priority claim is now $42,358.20

3. IRS filed secured claim 1-1 in the amount of $44,381 which is not addressed in plan

4. State of NJ just filed priority claim 5-1 in the amount $2155.84 (The plan proposes to pay outside) MUST RESOLVE

5. State of NJ filed secured claim in the amount of $75,287.62 which is not addressed in plan (MUST RESOLVE)

6. Arbors Condo Association filed bifurcated claim 2-1 in the amount of $58,296.48 secured and $4880 unsecured (HOW SHOULD CLAIM BE PAID?)

7. Need Domestic Support Obligation information for Jessica Stevens

Plan proposes $2684 X 60 Base
Payments: 4/5 Arrears: $2684

RESOLVED ISSUES:
-Need to file Pre-Confirmation Certification with Court (FILED)
- Need a current market analysis - comps used are from June -October 2022 and one from 2/17/2023, filed in October of 2023 comps should from April - September 2023 (RECEIVED)1
- Improper service to Cavalry SPV. Does not serve Managing Agent
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-18809 / MBKJeffrey H. Ward, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 5 of 6 required payments   Arrears: $1,034.00  
atty ok to terms

AS of 4/16/24(mk): Updated email to atty- atty says she gets a new job in may -more income- so added to terms updated POI and amended I & J by 9/30/24

Debtor is in arrears 1,033.17. She has never been current in this case and now payment going forward is higher as follows. atty says add arrears to plan so

**TO CONFIRM NEEDS $ 3,348.17 PTD Then 1,004 x 54 begin 5/1/24. Base DEBTOR MUST SIGN UP FOR EWAGE W/IN 10 DAYS . Debtor to provided updated proof of income and amended schedules I & J by 9/30/24** **

Income is not enough. verified at $894
--------------------

MBK ruling that NJ venue is proper and objection is overruled- ADJ to 4/24 to work confirmation numbers (dm

order overruling obj was submitted 4/10)

AR NOTE
venue obj see docs 65,66 and 67

As Of 4/8/24(mk) Arrears 1,033.75 and the objection of Creditor. landlord, Karen Fitzgerald needs a ruling. Debtor is behind and the payment to Tr needs to increase if confirmed and debtor will need Ewage.

4/1/24(mk) Creditor, Karen Fitzgerald filed response (#66) to debtor's cert at #65 concerning residency in NJ - now appears debtor has more ties to FLA than originally disclosed.

3/28/24(mk) debtor had 2 Bkcy cases filed in Florida in 2022 and 2023( dockets in 13 docs under office correspondence. Appears to conflict with the response she filed at #65. Also a Fla Drivers license. NEEDS TRUSTEE REVIEW


As of 3/27/24(mk); email to atty- At this time I had rec trems if the landlord's objection was resolved

see debtor response at #65- she has always been a NJ residence

was adj from 2/28 to 4/10

1. Update POI for new job provided and Amended I & J filed. Dispos. income now $894 But to cover plan claims

1/22/24(mk):atty filed Amended I & J- and will upload pay stubs for new job. Says debtor says she paid arrears - NEEDS TO POST-checked with Kierstyn and 3 TFS payments pending: for $1,000 and $500 and another for $167.

As of 1/19/24(mk):

>>as of this date , debtor has m
Matter ResolvedRequest
Adjourment
1604/24/2024 10:00 am23-19236 / MBKRobert C. Nisenson, Esq.Confirmation Hearing ScheduledRecommend DenialDebtor has made 6 of 6 required payments   Arrears: $0  

MP filed 4/2/24 and scheduled for 5/8/24 - Recommend Denial of older plan (dm)
Response Doc #45 filed regarding value of property (dm)

Reassign to DM
As of 3/8/24 (DS):

1. Nationstar (FRENKEL LAMBERT, WEISS) obj to arrears owed, POC filed $10,410.35. Must resolve. (DOUG WORKING ON AMENDED POC POST LOAN MOD)

2. Trustee Supp Obj:
- Divorce Judgment provides for a 50/50 split between co-debtor and ex-wife when Madeline Ave is sold. Based upon $461,300 Zillow value, there is approximately $56,824 non-exempt equity once co-debtor takes the proper exemption.
- Debtor was never on the Deed to the Madeline Ave property. Thus, the 522(d)(5) exemption has been exceeded.

3. The following claims filed with arrears:
- Claim#28-1 of Toyota (2017 Lexus) $887.84. Plan has outside.
- Claim#29-1 of Toyota (2019 Buick) $816.78. Plan has outside.
- Nationstar Mortgage (Madeline Ave property) $10,410.35. Plan has outside, but Motion to approve loan mod was granted 2/9/24 and had to complete 14 days from order, which expired 2/23/24. Plan did not mention any loan mod.
- Claim#54-1 of Service Finance for HVAC Plumbing with arrears $721.44, not in plan.

4. Must file Pre-confirmation certificate.

Note: Divorce Decree and property settlement agreement provided. Amended Sched A/B and C filed to add amounts in bank accts and provides bank statements.


Prop Plan $325 x 60 begin 11/1/23; Base
PTD 6/6 = $1,950
Last Claim (32-2)
Matter ResolvedRequest
Adjourment
1614/24/2024 10:00 am23-19305 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 6 required payments   Arrears: $500.00  
ISSUES AS OF 4/17/2024 (DM):

***If objections below can be resolved by paying claims, then debtor will need $1,508 starting 5/1/24 at 100% because only $8,532 general unsecured claims were filed***

1) Carrington Mtg (HILL WALLACK) OBJs - $37,886.93 arrears on 1st mtg (UNRESOLVED.)

2) Whispering Hills at Barnegat HOA (CUTOLO BARROS) OBJs - arrears not treated in the plan. A bifurcated claim was filed with $13,126.02 secured and $3,382.55 unsecured (UNRESOLVED.)

3) Slomins, Inc. filed $2,005.32 secure judgment not treated in the plan (OKAY TO ADD??)

 Capital One Auto MFR was resolved. Need terms of order as to amount owed. Per Debtor's opposition, post-pet arrears are to be paid through plan (CO ENTERED PROVIDES $2,530.76 PP ARREARS TO BE PAID WITHIN 30 DAYS OR FILE A MP TO ADD TO THE CASE.)

4) Trustee OBJ:
- Need Sept & Oct bank statements for TD acct #6399 (UNRESOLVED.)
- Need Sept & Oct bank statements for TD accts #0723, #7969 (RECEIVED.)
- Need Sept & Oct statements for Apple Cash acct (RECEIVED SCREENSHOT.)
- There is $1,099 disposable income due to tax refund of $3,678 not prorated on Sch I.

Note: Auto insurance for 2018 BMW provided 1/30/24.


Prop. Plan $500 x 6, $830 x 54, $12,000 Min Div.
- Loan Mod on Hawthorne Ln by 6/1/24.
PTD 5/6 = $2,500
Last Claim (9-1)
Matter ResolvedRequest
Adjourment
1794/24/2024 10:00 am23-19401 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 5 of 6 required payments   Arrears: $1,100.00  
4/16 workup for the 4/24 calendar edc

STATE AND IRS CLAIMS ARE STILL ESTIMATED.

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

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

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

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

Plan proposes: $1,100 x 60 beginning 11/1/2023, 100% plan
Payments: 4/5, arrears $1,100
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-19563 / MBKThomas G. Egner, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 5 of 6 required payments   Arrears: $203.00  
ISSUES AS OF 4/17/2024 (DM): updated 4/18/24.

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $1,015 PTD, THEN $207 x 54 STARTING 5/1/24, BASE PLAN***

1) Trustee OBJ to MP:
- Need amended SCH I&J based upon MP (AMENDED SCH J FILED.)
- Need updated proof of income based upon MP (RECEIVED 3 STUBS FROM AIR LIQUIDE.)

2) Trustee OBJ:
- Debtor has insufficient income. Debtor in arrears - will require wage order, ePay or TFS auto pay.

Note: Debtor and GF both filed their own cases, and expenses and income for both is same. Childcare verifies $1,170.


Prop. Plan $203 x 60, Base Plan.
PTD 5/6 = $1,015
Last Claim (15-1)
Matter ResolvedRequest
Adjourment
1814/24/2024 10:00 am23-19755 / MBKThomas G. Egner, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 5 required payments   Arrears: $1,034.00  
4/16 workup edc
-unsecured claims came in higher

**confirm at:
$1615.99 paid then 870x 55 beg 5/1/2024---Horry County claim will not be paid unless a valid claim is filed-100% with equity preserved of $189,335

RESOLVED ISSUES:

Trustee's objection:
- Need to file Pre-Confirmation Certification with Court (FILED)
- State of NJ claim is estimated for 2017, 2018 and 2019 taxes need to resolve (resolved)
- IRS claim is estimated for 2019. (resolved)

-- Using December 2023 paystubs, income verifies significantly higher than the amount disclosed on Schedule I. Debtor is paid weekly. Need attorney to provide income calculations.
-Schedule J fails to include rental expense for NJ property, utilities, food - need
explanation (OK - 100% PLAN)
-- 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 $189,335 equity in real property- 100% plan (LANGUAGE ADDED)
-- Checking account balance as of 10/12/2023 the balance was $622.72, not $8.48 - need to amend schedules A/B and C (OK - 100%$ PLAN)

Plan proposes: $530 x 60 beginning 12/1/2023, 100% to unsecured creditors
Payments: 2/3, arrears $522.01
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-19807 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing - Order Vacate Dismissal of CaseNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 5 required payments   Arrears: $780.00  
issues as of 4/18/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor has failed to file a feasible plan - that propose a tier plan payment when car payment $220 ends in month 30.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,494 when determining disposable income.
- The current Plan does not specify treatment of Credito Real USA (2018 Mitsubishi Mirage) under the Plan.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is non-exempt equity in real property $28,156. no exemption was claimed on Sch C
- Must file Pre-confirmation certificate.
- Trustee standard order of distribution.

proposed plan $390x60 0% plan
paid in $1170
arrears $780
last claim 4
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-19856 / MBKTERRY GLEN TUCKER, PCConfirmation Hearing - Order Vacate Dismissal of CaseNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 5 required payments   Arrears: $0  

issues as of 4/18/2024 (JMA)

1) 341 hearing scheduled for 5/2/2024
2) IRS priority claim estimated for 2021 taxes - need amended claim
3) Need to file Pre-Confirmation Certification with Court
4) Current with Trustee plan payments
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-20451 / MBKBrad J. Sadek, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 5 required payments   Arrears: $15.00  
mk; 4/18/24: saw that creditor submitted an order stating delinquency id $12,796.60. debtor to file a MP and include this in plan- IS TR OK W/ that since conduit was requested??


As of 4/15/24(mk):

MFR on 3/27 NationStar( McCalla): needs Resolution -debtor wants recap and pay in plan TR HAS REQUESTED CONDUIT SO THIS HAS TO BE RESOLVED BEFORE WE CAN GET TO CONFIRMATION- as well as debtor needs to address tr objection s below


1. Trustee Objection:
-INCOME VERIFIES MUCH HIGHER THAN SCHEDULDED.
Dispos. income is 7,963. bar date has passed and GUC total is $34,011.11
- Need Amend Schedule I and provide proof of income for new
part -time job with Community Medical Center and new
main job at St. Peters Hospital. NEED TO KNOW WHAT IS CURRENT STAE OF DEBTRO AND SPOUSE INCOME TO MAKE SURE WE AREN'T USING INCOME ON A JOB THAT DEBTOR NO LONGER HAS
- need 2023 tax return by 5/15/24.
- Need to file Pre-Confirmation Certification.

Plan:$1085 X 60; MIN $14,224
4/5 payments

-------------------
. Objection By Nationstar(McCalla): RESOLVED ORDER ENTERED 3/4/24PAY ARREARS THRU PLAN
-plan fails to pay arrears
Matter ResolvedRequest
Adjourment
2144/24/2024 10:00 am23-20500 / MBKDavid G. Beslow, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 4 of 5 required payments   Arrears: $200.00  
AS OF 4/19/2024 (at):

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

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

Plan proposes: $200 x 60 beginning 12/1/2023, base
Payments: 4/5, arrears $200

RESOLVED ISSUES:
- Amendments to Schedules -Schedules A/B and C to include Citizens Bank acct #541 -2 (AMENDED)
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-20523 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 3 of 5 required payments   Arrears: $2,132.00  
as of 4/18/2024 (JMA)

ok to confirm at $3,198 paid to date, $1,145x55 begin 5/1/2024 100% plan with minimum $80,611.32 dividend to general unsecured creditors

1) Trustee objection to confirmation - RESOLVED
2) Wells Fargo Bank (Brock & Scott) - objection to confirmation - RESOLVED, MODIFIED PLAN NOW PROPOSES PAYMENT OF CLAIMS, NO LOAN MODIFICATION

proposed plan $1066x60 100%
paid in $3198
arrears $2132
last claim 2

RESOLVED ISSUES:
-The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): -There is $80,611.32 non-exempt equity in home -Wells Fargo Bank (Brock Scott) objection to confirmation, plan provides funding based on Loan Mod by 6/1/2024. The treatment is speculative. RESOLVED, MODIFIED PLAN NO LONGER PROPOSES A LOAN MODIFICATION
-Need to file Pre-Confirmation Certification with Court RESOLVED, FILED
-A copy of the homeowner's insurance renewal declaration - policy provided is forced place policy by mortgage company, does not include personal liability coverage PROVIDED RESOLVED
-Need to provide the 10/2023 statement for The Bank of Princeton acct#0224 RESOLVED, PROVIDED
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-21257 / MBKMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledContinued
6/12/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $405.00  
ISSUES AS OF 4/17/2024 (DM):

1) Plan provides a cure of arrears of $18,777 to Shellpoint Mtg in Part 4a of the plan (NO POC FILED AND BAR DATE HAS EXPIRED.)

2) Plan provides $195,000 pay-in-full treatment to Shellpoint Mtg in Part 4g of the plan - this is inconsistent treatment and no POC filed as noted above (UNRESOLVED.)

3) Trustee OBJ:
- Debtor has failed to file a feasible plan.
- Need a MP that selects an option in Part 8a, 8d, and provides the Trustee Standard Order of Distribution in Part 8c (UNRESOLVED.)
- There is $160,444 non-exempt equity in real property. Plan needs to be 100% and not a
minimum dividend of $1,075.26. Only $1,295 GUCs filed.

***RESOLVED ISSUES***

A) Trustee OBJ:
- Must file Pre-Confirmation Certificate (FILED.)


Prop. Plan $405 x 60, $1,075.26 Min Div.
PTD 3/4 = $1,215
Last Claim (2-1)
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-21701 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

4/15/24(mk): waiting for clarification on Mazda ownership - then can work up

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

as of 3/20 - No reply from atty

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

>STILL NO EXPLANATION ON WHO OWNS THE MAZDA?

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

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

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


Plan:$140 x 60 begin 1/1/24; Base
3/3 payments
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-21852 / MBKBrian W. Hofmeister, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 4 required payments   Arrears: $1,000.00  
AS OF 4/17/24 (SF)

Recommend 48 month plan due to excess income

RECOMMEND $1000 X 3 (BEGIN 1/1/24); $1721 X 45 (BEGIN 4/1/24) 100% PLAN W/MIN $143,561 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE AND PERSONAL PROPERTY
-POLICE AND FIRE FCU CLAIM 6-1 WILL BE OUTSIDE PER STAY RELIEF


1. Trustee objection:

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$650/month for food
$150/month for clothing
$150/month for personal care
Need proof of excessive expenses 10 days prior to confirmation.

- Verified income leaves monthly disposable income of $4,814.

- There is $130,488 in non-exempt equity in the residence. (100% Plan)

- There is $8,741 in non-exempt equity in the vehicles.

- There is $4,332 in non-exempt equity in the TD Savings account.


Plan proposes $1,000 x 60; 100% Plan
Payments: 3/4 Arrears: $1000



RESOLVED:
- Objection filed by PNC Bank (Dennis Uhlmann)- The plan is silent as to creditor and feasibility issue. (CLAIM FILED WITH ZERO ARREARS) COS
- Need to file Pre-Confirmation Certification (FILED)
Matter ResolvedRequest
Adjourment
1994/24/2024 10:00 am23-21870 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
5/22/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $800.00  
AS OF 4/19/2024 (at):

MOTION TO ALLOW LATE PROOF OF CLAIM IS SCHEDULED FOR 5/8/2024.
NEED TO ADJOURN THIS CONFIRMATION HEARING.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- 2 months (Nov & Dec) statements from TD Bank checking acct, prior to filing date. (RECEIVED)

RESOLVED ISSUES:
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in personal injury matter settled, pending proof of settlement. (LANUGAGE ADDED $ 8,178 N/E PENDING REVIEW OF SETTLEMENT STATEMENT)
- Need settlement documents from PI lawsuit that was settled (per Sched B $42,762) (SETTLEMENT STATEMENT - $66,500 settlement)
- Need a valuation for all vehicles listed on Schedule B. (RECEIVED - THERE IS $6,361 IN NON EXEMPT EQUITY IN THE BUICK)
- Must file Pre-confirmation certificate. (FILED)

Plan proposes: $800 x 60 beginning 1/1/2024, base
Payments: 3/4, arrears $800
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am23-21918 / MBKRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 4 required payments   Arrears: $300.00  
As of 4/19/24 (DS): 1. ISSUES UNRESOLVED:
- Must amend Sched B and C to add potential medical malpractice lawsuit, take proper exemptions for Capital One checking/savings accts and non-exempt proceeds from malpractice lawsuit to Trustee.
- Debtor has insufficient income, disposable income verifies $-189. DEBTOR HAS NOT MADE APRIL PAYMENT.
- Debtor has failed to file a feasible plan that propose non-exempt equity proceeds from sale of residence to Trustee.
- Debtor has undertaken an improper use of exemption. Specifically: Adding 100% fair market value for Capital One checking and savings acct.
- Add to confirming order non-exempt proceeds from sale of residence to Trustee.
- Resolve obj of US Bank (LAURA EGERMAN) obj to arrears not paid and sale.


As of 3/25/24 (DS): DEBTOR ATTY REQUESTED ADJOURNMENT, Mod plan filed 3/13/24 and scheduled for 4/24/24. REQUEST DENIED, DOES NOT GET CONSENT OF OBJ CREDITOR

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

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

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

Prop Plan $300 x 36 begin 1/1/24; $0 and Sale of Center St by 6 months after conf
Note: Service to Midland Funding and New Century done 2/23/24. Updated homeowner insurance provided. MOD PLAN FILED 3/13/24 TO CORRECT ATTY FEES.
Matter ResolvedRequest
Adjourment
2014/24/2024 10:00 am23-21929 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $338.00  
issues as of 4/18/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - for 2023 when filed. ADD NOTE TO CONFIRMING ORDER
- Auto accident settlement statement PROVIDED, RECEIVED $25,333.34 FOR UIM SETTLEMENT
- 2 months bank statements from 2 business checking and savings accts listed on Sched B. PROVIDED STATEMENTS, BALANCE ON ACCT #660 AS OF 12/31/2023 $14,846.08 (THE 10/31/2023 BALANCE $19,839.46) DID NOT PROVIDE THE STATEMENT FOR NOVEMBER 2023.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: - Car insurance for Debtor $175 and spouse car insurance $120 total $295 (per auto insurance with 2 cars and both on insurance verifies $194),
- The circumstances and contents of the debtor's Plan, when taken in their totaility, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)(3).
- Plan fails to propose the non-exempt equity.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is non-exempt equity in real property $9,051.42, Wells Fargo savings acct 1/2 int has $7,421.43, Wells Fargo checking acct $231.80 TOTAL $16,681.73
and 1999 Sterling AT (pending valuation and balance statement) SCRAP VALUE $5,000 (NEEDS EXTENSIVE REPAIRS) GRAND TOTAL OF NON-EXEMPT EQUITY $21,681.73
- Need valuation statement on Transamerica whole life insurance policy CASH VALUE $2,523 and valuation and balance statement for 1999 Sterling AT 9500. SCRAP VALUE $5,000 (NEEDS EXTENSIVE REPAIRS)
- Must file Pre-confirmation certificate RESOLVED, FILED

proposed plan $338x60 base plan
paid in $1,014
arrears $338
last claim 12
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-10008 / MBKBrad J. Sadek, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 4/15/2024 (at):

RECOMMEND: $867 X 60 BEGINNING 2/1/2024, 100% PLAN
Preserve non exempt equity of $251,370 in real estate.

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):
- Excess expense on Schedule J, homeowners insurance for the NJ property is $91/month
and the Florida property is $255/month = total monthly expense of $346, not $910; car
payment of $899 allowed $649. Schedule J reduced by $814. THIS IS A 100% PLAN
- 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 $207,000 non-exempt equity in residence- 100% PLAN (LANGUAGE ADDED)
- There is $44,370 non-exempt equity in Florida property - 100% PLAN (LANGUAGE ADDED)

Plan proposes: $867 x 60 beginning 2/1/2024, 100% plan
Payments: 3/3
Matter ResolvedRequest
Adjourment
1804/24/2024 10:00 am24-10016 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $2,744.00  
As of 3/12/24 (DS): Debtor atty requested adjournment and provided proof of TFS payment made $1,372

As of 3/8/24 (DS): 1. No Trustee payments made, Debtor in arrears $2,744, made 0 out of 2 payments.

2. Trustee obj to the following:
- Need 2023 tax returns, if not filed can add to confirming order to provide by 5/31/24.
- Debtor has undertaken an improper use of exemption. Specifically: Over exempts d(5) by $1,539.30, takes full d(1) on real property, which leaves d(5) at $1,475 allowed exemption.
- 22c Line 13b takes $323, but car loan in 60 months is $542.24, which should be $86.76 deducted and Line 30 takes additional food/clothing $28 total disposable income with Line 45 having $2,575.55 should be $2,839.79, which would require minimum dividend $170,387.40 to gucs. Plan pays 100%.
- Sched I fails to add tax refund $9,559 when determining disposable income.
- Must resolve IRS estimated tax claim, 2018-2020 and 2023 tax returns not filed and State of NJ also filed estimated tax claim, 2018-2020 tax returns not filed.
- There is estimated non-exempt equity in real property $103,619 (pending estimated tax claims, which needs to be resolved) and in Citizens Bank ckg acct#2026 $1,539.30.
- Must resolve all creditor objections filed.
- Must file Pre-confirmation certificate.

3. Pinnacle FCU (MICHAEL DUPONT) obj plan fails to mention arrears owed, POC filed with arrears $34,830. Obj must be resolved.

4. Deutsche Bank/JPMorgan Chase (ALEISHA JENNINGS) obj to plan failing to include intentions. Loan matures 11/1/25 therefore total claim must be paid, no POC filed.

Prop Plan $1,372 x 60 begin 2/1/24; 100%
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-10051 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 0 of 3 required payments   Arrears: $9,525.00  
issues as of 4/18/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - 2023 tax return. NOT PROVIDED TO DATE
- Order of support payments listed on Schedule J $8,387.36 and proof of health/life insurance expense. NOT PROVIDED TO DATE
- Amendments to Schedules 122C-1 takes household of 2, no dependents and not married NOT FILED TO DATE
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: - Business forms list Debtor business located at home, Sched J and P &L list business expenses for cell phone $285.61 and Tele/internet $802.69 total $1,088.30 plus Sched J $174.58 total $1,262.88 and utilities $884 plus Sched J $525 total $1,409. NOT PROVIDED TO DATE
- Schedule J excessive expenses: Rent $3,800, Electricity $425/P &L $884, Tele/cell/internet/cable $174/P&L $802.69, Food $600, Clothing $150, Life insurance $200, Health insurance $1,200/P&L has payroll expenses $4,324.28 (What are they expenses and is it medical?) and Support payment $8,387.36 (must provide proof of support). NOT PROVIDED TO DATE
- 22c takes household of 2, no dependents and Debtor not married, should take household of 1. Case is above median, if household 1. 22c has excesssive expenses on Line 10 takes difference rental lease $1,901, Line 18 Life insuance $200, Line 19 Court order payments $8,387.36, Line 25 health insurance $1,200, Line 30 Additional clothing food $46 and Line 43 Pet expenses $125. NOT RESOLVED
- Must add to confirming order Debtor attorney to file fee app within 7 days from confirming. ADD TO CONFIRMING ORDER
- Trustee standard order of distribution. ADD TO CONFIRMING ORDER
2) IRS priority claim is estimated for 2023 taxes and WT-FICA 3/31/2024 - NEED AMENDED CLAIM

proposed plan $500x2, $12,700x58 0%
paid in $4,175
arrears $9,525
last claim 5

RESOLVED ISSUES
- Domestic Support Obligation information form RESOLVED, PROVIDED
-amend Sched B and C to add business valu
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-10073 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0  

AS of 4/10/24(mk):

1. IRS ESTIMATED POC PRIORITY AND GUC(No returns for 2018-2023 - NEEDS RESOLUTION

2. ESTIMATED ST OF NJ TAX CLAIM

Plan:$150 X 60; BASE
2/3 payments

---------RESOLVED----------------------------
- objection by Wells Fargo( Brock & Scott):TERMS= PAY POC ARREARS $2,841.57 thru plan

Trustee objection:
amended schedules filed to include Wells Bank account but no amended C. OK PER EDC

3/6/24: consent Order submitted resolving objection By Wells Fargo( Brock & Scott): terms= pay POC #6 arrears $2,841.57
Matter ResolvedRequest
Adjourment
1874/24/2024 10:00 am24-10124 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 4/15/24 (SF)

1. Objection filed by Pingora Loan Servicing (Jennings) - failure to provide for treatment of arrears claim in the amount of $3,546.50. (MUST RESOLVE)

2. Acura filed arrears claim 101 for $641.33 (OK TO PAY?)

3. Trustee objection:

- monthly disposable income $2,028.23

- There is non-exempt equity in house $159,023

- There is non exempt proceeds form law suit to be paid to Trustee.

-must file pre conf cert


Plan proposes $1456 x 60 100%
Payments: 2/3 Arrears: $1456


Matter ResolvedRequest
Adjourment
1914/24/2024 10:00 am24-10138 / MBKJames J. Romero, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

As of 3/6/24 (DS): 1. Trustee obj to the following:
- Must amend Sched I to include income from Johnny's Express. Debtor should also provide proof of all income received from this LLC for the last 6 months.
- Need December and November statements for Chase acct #7783 and acct #5165 and property settlement agreement to determine if ex-spouse has interest in property real property.
- Excessive expense on Sched J for utilities $655.
- 22C-2 excess expense on Line 22 additional health insuraance $150, none listed on Sched I or J.
- 22c Line 45 shows disposable income $10,407.10, which would require minimum dividend $624,426 to gucs. Plan will need to remain 100%.
- There is non-exempt equity in real property $207,686.72.
- Must file Pre-confirmation certificate.

2. SN Servicing (FRIEDMAN VARTOLO) obj to loan mod and arrears not paid. Plan has arrears to be paid pending loan mod. Obj must be resolved.

3. IRS filed estimated tax claim, 2018, 2019 and 2023 not filed. Must resolve claim and also provide Trustee copy of filed 2023 tax returns.

Prop Plan $2,000 x 60 begin 2/1/24; 100% and Loan mod on Hyson Rd 6 months from confirming
Matter ResolvedRequest
Adjourment
1934/24/2024 10:00 am24-10193 / MBKAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 4/17/24 (SF)

1. Objection filed by Ajax Mortgage Loan Trust 2021-F (West) - failure to pay arrears of $120,141.16 and speculative loan mod

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

3. Trustee objection:

- Need a copy of the last filed tax return - 2023 by 5/31/2024.

The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$600/month for utilities
$600/month for cable/internet/phone
$300/month for clothing
$900/month for transportation
$1,100/month for health insurance
Need proof of expenses 10 days prior to confirmation.

- Verified income leaves monthly disposable income of $1,294.02.

- Per the 22C, monthly disposable income is $1,247 which requires a minimum dividend of $74,820 to general unsecured creditors.

- There is $2,000 in non exempt equity in the bank account.

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

- Need to file Pre-Confirmation Certification


Plan proposes $800 x 60; 100% Plan; Loan mod by 7/8/24
Payments: 3/3
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-10248 / MBKChristopher G. Cassie, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 2 of 3 required payments   Arrears: $0  

4/17 workup edc

RECOMMEND:$1555 paid then 670 x 57 beg 5/1/24 pro rata----Claims will be paid according to the trustee's order of distribution.----Non exempt funds from personal injury suit are to be turned over to the trustee.



Need to file Pre-Confirmation Certification within 7 days of confirmation. filed ok edc

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

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

Plan proposes: $885 x 60 beginning 2/1/2024, not less than $18,611 to unsecured creditors
Payments: 1/2, arrears $885
Matter ResolvedRequest
Adjourment
1984/24/2024 10:00 am24-10399 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 4/16/24 (SF) - MP FILED AND SCHEDULED FOR 5/22/24. THIS PLAN IS MARKED WITHDRAWN.

1. Objection filed by Nationstar (Courtney Shed) - failure to pay arrears of $104,079.12

2. Objection filed by Americredit/GM Financial (William Craig) - objects to cram

3. Trustee objection:

- Need a copy of the last filed tax return - for 2023.

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

- Must file Pre-confirmation certificate


Plan proposes $2145 x 60 Base
Payments: 3/3




Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-10514 / MBKMarcia Y. Phillips, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 3 required payments   Arrears: $0  

As of 4/15/24(mk):email to atty

**CAN REC CONF AT $2,100 PTD Then $1400 x 33 Begin 5/1/24. Trustee shall pay Navy FCU, claim 13-1 filed in the amount of $200 through the plan. The unsecured portion and treat unsecured
amount 69.76 pro rata w/ rest of gucs.
Must file pre conf cert. w/in 7 days of confirmation.


1. Trustee Objection:
excessive expensei$1,700/month for Iphone, watches and Ipad - debtor agrees excessive. Tr reduced expense total of 6,267 leaves dispos income 2,000 p/M
income is soc sec and Va disability and pension so TR will compromise for 1400 p/m going forward
- need to file pre conf cert.

---------------RESOLVED----------------
atty says proof of 359 support in DSO docs
update auto insur provided
atty agrees 1700 excessive expense- agrees to 350- EXPENE TOTAL WAS REDUCED BY 1,000 TO 6,267 LEAVING DISPOS INCOME OF 2,112 PER MONTH

-Navy FCU filed a bifurcated claim that needs to be resolved. add lang; pay the secure
part of $200 through the plan and treat unsecured pro rata w/ rest of gucs

Plan:$700 X 36; BASE
3/3 payments
Matter ResolvedRequest
Adjourment
2094/24/2024 10:00 am24-10980 / MBKDavid A. Semanchik, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0  

As of 4/18/24 (DS): 1. Trustee obj to the following:
- Need updated auto insurance for all vehicles (insurance expires 4/21/24), 2 months bank statements from Saker Credit Union acct, prior to filing date and 2023 tax returns.
- Amendments to Schedules A/B to add Saker Credit Union bank acct, per pay stubs
$50 is put into this acct weekly.
- Plan does not specify treatment of American Express (judgment lien) $15,311.51. Trustee ok to pay?
- There is non-exempt equity in real property $128,608.85, 2017 Honda motorcycle $3,000,
2007 Chevy Truck $2,500, 2016 Mitsubishi Outlander $2,000, 2018 Nissan Leaf $2,265, Bank of America acct#7549 $1,792.10, Bank of America acct#9579 $4,626.68, Bank of America acct#4542 $2,327.31 and ETrade acct $1,000 total $148,120. (100% Plan).
- Nissan filed arrears claim $28.26. Trustee ok to pay.
- Must file Pre-confirmation certificate.

2. Valon Mortgage filed arrears claim $3,221.60. Trustee ok to pay?

Prop Plan $1,100 x 60 begin 3/1/24; 100%
Note: Car payment $740, ok since plan pays 100%. Disposable income verifies $4,417 (plan pays 100%).
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11020 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0  

issues as of 4/18/2024 (JMA)

OK TO CONFIRM AT $800 PAID TO DATE, $415X58 BEGIN 5/1/2024 100% PLAN


1) Trustee objection to confirmation - need to resovle
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 $67,179.03 non-exempt equity in house (100% PLAN)
2) Bar date does not expire until 4/12/2024 - HAS NOW EXPIRED

proposed plan $400x60 100%
paid in $400
last claim 2
Matter ResolvedRequest
Adjourment
1804/24/2024 10:00 am24-11120 / MBKEric P. LeBoeuf, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/15/24 (SF)

Due to nonexempt equity in personal property, plan requires 100% to gucs

RECOMMEND $2000 X 60 100% W/MIN $57,527 TO GUCS PER NONEXEMPT EQUITY IN PERSONAL PROPERTY
- MUST FILE PRE-CONFIRMATION CERT WITHIN 14 DAYS
- PROVIDE COPY OF BANK OF AMERCIA SAVINGS ACCOUNT STATEMENT WITHIN 30 DAYS



Trustee objection:
- Need a current market analysis - with comparatives sold within 6 months and a price
recommendation for subject property. (Used zillow and there is no equity)

- There is $13,102 in non exempt equity in the Santander bank account.

- There is $38,625 in non exempt equity in the surplus funds from foreclosure on Alder
Court property.

- There is $5,800 in non exempt equity in the Bank of America savings account. (pending
review of statement) (STILL NEED)

- Need to file Pre-Confirmation Certification.



Plan proposes $2000 x 60 Base
Payments: 1/2 Arrears: $2000


Matter ResolvedRequest
Adjourment
1834/24/2024 10:00 am24-11168 / MBKPeter E. Zimnis, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $500.00  
As of 4/12/24 (DS): 341 sched 5/9/24, must submit conf adj request.

Per AR, ADJ to 4/24 for payment to post.

As of 3/27/24 (DS): 341 not held 3/21/24.
STILL NEED; DR BUSINESS P/L 2 MTHS FROM JAN/FEB 2022, DR 2022/2023 TAX RETURNS,DR BANK STMNTS 2 MTHS, DR CUR CAR INSUR FOR 3 VEH.. ALSO NO TRYSTEE PAYMENTS MADE.
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11182 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledMootDebtor has made 1 of 2 required payments   Arrears: $734.00  
COURT RESCHEDULED CONFIRMATION HEARING TO 5/22/24 (dm)

AMT: VICINAGE CORRECTED TO TRENTON
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11209 / MBKPRO SEConfirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $1,425.00  
issues as of 4/18/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
-The debtor has insufficient income.
-The debtor has undertaken an improper use of exemption. Specifically: The Trustee objects to the 522(b)(3)(B) exemption taken on the Pebble Lane property. ISSUE NOT RESOLVED
-The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is $70,479 equity in real estate. FILED CLAIM HIGHER, REDUCES NON-EXEMPT EQUITY TO $57,484.28

proposed plan $1,424.72x60 100% plan
paid in $1,424.72
arrears $1,424.72
last claim 1

RESOLVED ISSUES:
-Must file Pre-confirmation certificate. RESOLVED, FILED
-A Modified Plan that marks off Part 5a of plan unsecured creditors. RESOLVED
-The debtor has failed to supply the Trustee with the following document (s): A copy of the last filed tax return - Need Tax Declaration Form. PROVIDED, HAS BEEN UNEMPLOYED FOR LAST 4 YEARS, SOCIAL SECURITY IN ONLY INCOME
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11306 / MBKRobert C. Nisenson, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $3,105.00  
AS OF 4/19/24 (SF)

1. Has vehicle been sold? No date listed

2. Trustee objection:
- A copy of the last filed tax return - 2023 (filed extension)

-income verifies higher than scheduled amount with disposable net income of $1,653.66. Plan is 100%

-Non-exempt equity $42,956.56 in house, may change with amended IRS priority claim.
Plan is 100%

-IRS priority claim estimated for 2022 and 2023 taxes

-IRS general unsecured claim estimated for 2019 taxes

Plan proposes $3104.57 x 60 100%; Sale of vehicle for $50,000
Payments: 1/2 Arrears: $3104.57


Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11307 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledMoot - DismissedDebtor has made 0 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11316 / MBKRONALDO C GEORGEConfirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $10,272.00  
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11368 / MBKStacey L. Mullen, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $20.00  
AS OF 4/19/2024 (at):

RECOMMEND: $1,000 PAID TO DATE, $939 x 34 BEGINNING 5/1/2024, 100% PLAN
Verified income leaves monthly disposable income of $4,588.02.

1. The attorney's fees in the plan ($4,750) and the disclosure statement ($4,250) do not agree. One of these must be amended. (MOD PLAN FILED - FEES ARE $4,250)

2. Objection filed by Santander (Eisenberg Gold) - plan is silent as to creditor's claim. (MOD PLAN PAYS ARREARS AND NO OBJECTION TO MOD PLAN)

3. Trustee's objection:
- zillow value is 221,000- need explanation as to disparity in debtor value vs zillow.

RESOLVED ISSUES:
- A copy of the last filed tax return - 2023 by 5/15/2024. (NOT RECEIVED - LANGUGAGE ADDED)
- Need a statement for the Apple Cash account. (RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$1,500/month mortgage payment (per statement payment is $1,145.50) (EXPENSES ADJUSTED)
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - Feb and March 2024. (RECEIVED - MONTHLY DISPOSABLE INCOME IS $4,588)
- A Modified Plan that steps up trustee payment in September, 2026 when pension loan
is paid off. (MOD PLAN FILED)
- 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 $4,588.02. (WITH UPDATED INCOME)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $7,957.00
when determining disposable income. (AVERAGED/ADDED TO INCOME)

Modified plan before confirmation proposes: $500 x 1 beginning 3/1/2024, $520 x 28, $735 x 31, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11369 / MBKPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

As of 4/19/24 (DS): WILL WORK UP CASE AFTER END OF DAY TO ALLOW CLAIMSTO BE FILED BAR DATE 4/19/23, TO DATE TOTAL UNSECURED CLAIMS FILED $11,624.20

Prop Plan $341 x 38 begin 3/1/24; $316.12 x 1; Base
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11403 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 2 required payments   Arrears: $514.00  
issues as of 4/18/2024 (JMA)

1) 341 not held, not rescheduled - missing documents
2) The Bank of New York Mellon (RASC) objection to confirmation - need to resolve

Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11453 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
6/12/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $210.00  
AS OF 4/19/2024 (at):

NEED TO ADJOURN THIS CONFIRMATION HEARING SO THAT THE 341 CAN BE CONDUCTED.

1. 341 is scheduled for 5/9/2024.
2. Payments: 1/2, arrears $210
3. Stay motion by landlord is scheduled for 5/8/2024.
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11459 / MBKLaurence R. Sheller, Esq.Confirmation Hearing ScheduledContinued
5/22/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $108.00  
AS OF 4/15/24 (SF) - Current plan is not feasible,.

1. Part 10 of plan states that Dept of Community Affairs will make payment towards debtor's rental arrears. (Need status)

2. Purchasing Power LLC filed secured claim 3-1 for $1659.66 which is not addressed in the plan. (OK TO PAY?)

3. Trustee objection:

- The debtor has insufficient income .
- The Plan fails to provide for a prompt cure of rental arrears.

Plan proposes $104 x 60 Base
Payments: less than 1 payment of 2 Arrears: $108


RESOLVED:
- Need to file Pre-Confirmation Certification


Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11480 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 2 required payments   Arrears: $476.00  
As of 4/15/24(mk):

> not feasible rent arrear poc is for 19,339 and no stay in effect

AR motion to reimpose stay was withdrawn , no stay in effect - LL cure case
debtor atty to advise if case is to continue


1. Trustee Objection:
- need 2023 tax return
-Pay stub has Vanloan monthly $43.38 monthly, need balance
statement and explanation
- current Plan does not specify treatment of American Honda with arrears $753.54 under the Plan.
- Plan fails to provide for a prompt cure of rental arrears.
- Must provide updated auto insurance for 2024 Honda HR -
V, if not confirmed by 4/24/24, insurance expires
4/14/24.
- Must resolve the unsecured claim filed by Landlord/Carlton
Club Apts.
- Must file Pre-confirmation certificate.

Plan:$547 x 36 begin 3/1/24; Base
1/2 payments
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11523 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/15/2024 (at):

1. Wells Fargo Bank filed a bifurcated claim #11 which needs to be resolved.

2. Ally Capital filed a bifurcated claim #8 which needs to be resolved.

3. Objection filed by Nationstar Mortgage (Brock & Scott) - failure to cure arrears of $4,030.09 (Per obj - no POC yet) (UNRESOLVED)

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):
- Excess expenses on Schedule J $550/utilities; $580/cell phone, internet, cable;
$1,794/transportation; $707 & $689/car payment.

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the debtors property. Using CMA provided the
non-exempt equity totals $10,800 and the online Zillow report dated 3/20/2024 shows non-exempt equity of $64,728. (LANGUAGE ADDED)
- The debtors need to provide the HUD closing statement for the Spooner St. property sold
in 2021. (RECEIVED)

Plan proposes: $179 x 60 beginning 3/1/2024, $7,000 to unsecured creditors
Payments: 2/2
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11540 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0  

As of 4/18/24 (DS): 1. Trustee obj to the following:
- Need 2023 tax returns.
- Need to service creditors in motion of plan: City Select Auto, Arcon Credit Solutions and Midland Credit Management.
- Must file Pre-confirmation certificate.

Prop Plan $187.54 x 60 begin 3/1/24; Base
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11567 / MBKWarren Brumel, Esq.Confirmation Hearing ScheduledPending - Work-up in ProcessDebtor has made 2 of 2 required payments   Arrears: $0  

issues as of 4/18/2024 (JMA)

1) 341 scheduled for 4/18/2024 - workup to be completed once hearing has been held
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11579 / MBKLaurence R. Sheller, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $407.00  
AS OF 4/15/24 (SF)

1. Objection filed by Aaron Mehizadeh (Greenberg) - failure to pay arrears of $50,369.54 and feasibility

2. Trustee objection:

- Need Amendments to Schedules Amend Sch I and provide proof of income for new job at
One Heart Homecare.
- using the CMA value there is $102,168.46 non-exempt equity in house.
- using the ZILLOW value there is $107,823.46 non-exempt equity in house.
- Need to add any non-exempt proceeds from PI claim to the confirming order.

Plan proposes $407 x 60 Base

RESOLVED:

- need auto insurance renewal, policy provided expires 3/25/2024. (RECEIVED)
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11581 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
5/8/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/19/2024 (at):

1. NJ Division of Taxation filed an estimated claim #6 which needs to be amended. (STILL ESTIMATED)

RESOLVED ISSUES:
Trustee's objection:
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 $83,726 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $9,852 in non exempt equity in the 2018 Chevy. (LANGUAGE ADDED)
- The IRS filed an estimated claim which needs to be amended. (NO LONGER ESTIMATED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $516 x 60 beginning 3/1/2024, 100% plan
Payments: 2/2
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11639 / MBKJoseph Casello, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $1,100.00  
AS OF 4/19/2024 (at):

Trustee's objection:
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED FOR 2023)

RESOLVED ISSUES:
- The debtor has insufficient income. Debtor must sign up for TFS for trustee payments. (LANGUAGE ADDED)
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2023 by 5/15/2024. (LANGUAGE ADDED)
- The 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 $61,644 in non exempt equity in the residence. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification.(FILED)

Plan proposes: $1,100 x 60 beginning 3/1/2024, $60,000 to unsecured creditors
Payments: 1/2, arrears $1,100
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11646 / MBKNicholas Fitzgerald, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0  

As of 4/18/24 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income. Amended Sched J has increased expenses for utilities from $295 to $496 making income less insufficient. Disposable income now verifies $-323, previously $-112. HOWEVER, A RENTAL LEASE WAS PROVIDED FOR $1,900.
- Amended Sched I fails to add the rental income $1,900. Debtor provided lease agreement for $1,900.
- Need 2023 tax return.

2. IRS filed estimated tax claim, 2023 not filed. Must resolve claim.

Prop Plan $543 x 36 begin 3/1/24; Dollar Base $8,000
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11655 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $750.00  
issues as of 4/18/2024 (JMA)

1) 341 not held, rescheduled for 5/9/2024
2) Not current with Trustee plan payments, arrears $750
3) Need to file Pre-Confirmation Certification with Court
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11669 / MBKSTEVEN J. SICOConfirmation Hearing ScheduledContinued
6/12/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/15/24 (SF)

1. 341 NOT HELD - Rescheduled to 5/23/24
2. Payments: 2
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11670 / MBKWarren Brumel, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

As of 4/19/24(mk):

341 on 4/18/24

1. Nationstar in plan as unaffected. File arrears claim for $500.49-OK TO PAY?

2. Trustee objection:
- need 2023 tax return
-Amendments to Schedules A/B and C to add Chase Bank
acct#6241.
-There is non-exempt equity in real property $58,420
- Need 2 months bank statements from Chase checking
acct#6241
- Debtor to provide 2 months proof of income, no later than
8/1/24.
- Must resolve State of NJ estimated tax claim.
- any non exempt proceeds from Lemon Law suit be paid to
TR.
- debtor must amend sch I & J and provide proof if he finds a
new job .


Plan: $1,150 x 60 begin 3/1/24; Base and proceeds from lemon law lawsuit
2/2 payments
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11693 / MBKJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledContinued
5/22/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $234.00  
AS OF 4/19/2024 (at):

1. The IRS filed an estimated claim #5 for 2023 which needs to be amended. (STILL ESTIMATED)

2. M&T Bank filed a secured arrears claim #9 in the amount of $4,353.18 which is not in the plan. Is the debtor going to pay this claim?

3. Objection filed by PNC Bank (KML) - failure to cure arrears of $1,314.59. (Per obj - no POC yet) (UNRESOLVED)

4. Trustee's objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$750/month for utilities
$3,000/month for food
$2,000/month for clothing
$1,000/month for personal care
$1,700/month car payment
Tr will allow as long as plan remains 100%
$500/month for pet care
$600/month for dance lessons
Need proof of excessive expenses 10 days prior to confirmation.
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $7,196.50. (with excessive
expenses)
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2023 by 5/15/2024. (LANGUAGE ADDED)
The 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 $286,469 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $88,625 in non exempt equity in the jewelry. (LANGUAGE ADDED)

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

Modified plan before confirmation proposes: $3,340 x 60 beginning 3/1/2024, 100% plan
Payments: almost 2/2, arrears $234
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11697 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $7,550.00  
As of 4/18/24 (DS): 1. No Trustee payments made, Debtor in arrears $7,550, made 0 out of 2 payments.

2. Debtors plan does not elect to jointly administer the case . If the debtors intend on joint administration a Modified Plan must be filed checking box 1e. If the debtors assert that the case is intended to be separately administered then a Motion to Server must be filed , with Amended Schedules I and J being filed together with claims motions dealing with a proposed allocation of claims to be administered in each case. RECOMMEND MODIFIED PLAN BE DENIED.

3. Trustee obj to the following:
- Need homeowners insurance that provides personal liability coverage, balance statement for Debtor's 401(k) loan prior to filing date and 2023 tax return.
- Need mod plan to correct attorney fees per disclosure owed $2,630 or amend attorney disclosure to plan amount $2,120.
- There is non-exempt equity in real property $334,112.23.
- Must resolve IRS estimated tax claim, 2023 not filed.
- Must file Pre-confirmation certificate.

4. M&T Bank-1st mtg (BROCK & SCOTT) obj to loan mod. Must resolve obj.

Prop Plan $3,775 x 60 begin 3/1/24; 100% and Loan mod on Orchard Crest 6 months after conf
Note: Disposable income $4,871 no issue, since plan propose 100%. Plan addresses student loans to be treated outside.
Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-11710 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
6/12/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-12134 / MBKKirsten B. Ennis, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $250.00  
AS OF 4/19/24 (SF)

Trustee objection:

- Proof of rental income - signed affidavit or rental contract.

- A copy of the last filed tax return - from spouse for 2023 by 5/31/24

- A copy of the homeowner's insurance renewal declaration - Need homeowner's insurance renewal declaration.

- 401(k) loan balance statement for Debtor.

- Amendments to Schedules A/B and C to add additional assets, such as household goods, clothing, jewelry, bank accts, etc.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Auto insurance $380 (verifies $293)

- Proof of income for Debtor verifies $3,650 and spouse $2,208. Disposable income verifies $2,062.

The Schedules fail to account for the debtor(s) tax refund in the amount of $4,733 when determining disposable income.

- There is non-exempt property in real property $20,450.50, Santander Bank acct#7514 of $236.73 and pending amended Sched A/B and C.

- Must file Pre-confirmation certificate.

- Amend the bankruptcy petition to correct the debtor's name. It is currently reversed with last name first and first name last.

Plan proposes $250 x 36 Base
Payments: 1/2 Arrears: $250


Matter ResolvedRequest
Adjourment
04/24/2024 10:00 am24-12354 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 1 required payments   Arrears: $300.00  
AS OF 4/19/2024 (at):

1. 341 is scheduled for 5/9/2024.
2. Payments: 0/1, arrears $300
Matter ResolvedRequest
Adjourment
04/24/2024 2:00 pm22-10434 / MBKKevin C. Fayette, EsqMotion CompensationNo Opposition FiledTotal Paid In: $22,084.00
Matter ResolvedRequest
Adjourment
04/24/2024 2:00 pm22-12732 / MBKMarc C. Capone, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $15,464.00
Matter ResolvedRequest
Adjourment
04/24/2024 2:00 pm22-13230 / MBKVera Fedoroff, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $48,682.00
Matter ResolvedRequest
Adjourment
04/24/2024 2:00 pm22-13317 / MBKRobert Cameron Legg, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $76,531.00
Matter ResolvedRequest
Adjourment
04/24/2024 2:00 pm22-18791 / MBKGeorge E. Veitengruber, III, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $2,550.00
Matter ResolvedRequest
Adjourment
04/24/2024 2:00 pm23-11140 / MBKJustin M. Gillman, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $5,900.00
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes