Judge Michael B. Kaplan
Hearing Date: 4/27/2022
Hearing Count: 291
Last Updated: 06-24-2022 06:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
14/27/2022 9:00 am15-12502 / MBKSteven J. Abelson, Esq.Motion ContemptWithdrawn
MTN TO REOPEN/SANCTIONS//CONTEMPT AGAINST NY STATE DEPT TAX, FAILED TO COMPLY WITH 10/24/20 ORDER
Matter ResolvedRequest
Adjourment
24/27/2022 9:00 am17-11607 / MBKJames J. Cerbone, Esq.Trustee Certification of DefaultWithdrawn
Debtor obj, proposes pymts<> ARREARS
Matter ResolvedRequest
Adjourment
34/27/2022 9:00 am17-13043 / MBKAndrew Thomas Archer Creditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $81,651.00
Debtor obj<>MADISON TRUST/Maple Ave (Zeitz)
Matter ResolvedRequest
Adjourment
44/27/2022 9:00 am17-18982 / MBKMarc C. Capone, Esq.Motion Relief from Stay (Fee)Continued
5/25/2022 9:00 am
Total Paid In: $25,452.00
Debtor obj<>US BANK TRUST NAT'L ASSOC/Benjamin St (STERN & EISENBERG)
Matter ResolvedRequest
Adjourment
54/27/2022 9:00 am17-21126 / MBKPeter J. Broege, Esq.Creditor Certification of DefaultOrder Previously Submitted
Matter ResolvedRequest
Adjourment
64/27/2022 9:00 am17-23709 / MBKWilliam H. Oliver, Jr., Esq.Motion SellOrder Previously SubmittedTotal Paid In: $43,490.00
Caliber Home limited obj (Stern & E)<>563 BERGAN PL
Matter ResolvedRequest
Adjourment
74/27/2022 9:00 am17-27052 / MBKDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/25/2022 9:00 am
Total Paid In: $40,613.00
AMT: MP 5/25** ADJ REQUEST PENDING PROCESSING**<<>>

Debtor obj<>FAILED TO LM BY 5/30/21
Matter ResolvedRequest
Adjourment
84/27/2022 9:00 am17-35390 / MBKGEORGETTE MILLERMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $32,069.00
Debtor obj<>MIDFIRST/Lansdowne (KML)
Matter ResolvedRequest
Adjourment
94/27/2022 9:00 am17-36011 / MBKBrad J. Sadek, Esq.Creditor Certification of DefaultContinued
5/25/2022 9:00 am
Total Paid In: $39,216.00
Debtor obj<> US BANK/Guilford Pl (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
104/27/2022 9:00 am18-12450 / MBKJAMES G AARON ESQMotion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $36,868.00
OK pays us at 100% EDC

MTN TO APPV SETTLEMENT OF PI LAWSUIT
Matter ResolvedRequest
Adjourment
114/27/2022 9:00 am18-12714 / MBKLee M. Perlman, Esq.Creditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $13,798.00
**AMT: ORDER DOC # 54 RESOLVING DEF CERT ENTERED 3/31 ADDING PP ARREARS TO PLAN (MP WAS TO BE FILED W/I 14 DAYS TO ADDRESS FEASIBILITY)<<<>>

Debtor obj<> NATIONSTAR/Laurelhurst Dr (McCalla)
Matter ResolvedRequest
Adjourment
124/27/2022 9:00 am18-15243 / MBKJames J. Cerbone, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $43,692.00
Debtor obj<>ARVEST CENTRAL/Kirschman Dr. (STERN & EISENBERG)
Matter ResolvedRequest
Adjourment
134/27/2022 9:00 am18-15347 / MBKRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/25/2022 9:00 am
Total Paid In: $39,359.00
Debtor obj. will pay<>ARREARS
Matter ResolvedRequest
Adjourment
144/27/2022 9:00 am18-15605 / MBKJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/8/2022 9:00 am
Total Paid In: $29,000.00
FAILED TO SELL OAKWOOD LN PPTY BY 6/30/21; FAILED TO PAY PLAN BAL
Matter ResolvedRequest
Adjourment
154/27/2022 9:00 am18-16163 / MBKJOAN S. WARREN, ESQ.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/11/2022 9:00 am
Total Paid In: $15,400.00
AMT: MP 4/27**<<>>

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
164/27/2022 9:00 am18-20406 / MBKDANIEL L. REINGANUMCreditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $35,002.00
JP MORGAN/Red Feather Trail (McCalla)


creditor - debtor is 7 months past due
debtor - they want another 6-month cure
Matter ResolvedRequest
Adjourment
174/27/2022 9:00 am18-20406 / MBKDANIEL L. REINGANUMMotion Motion (Generic) - Only use if no other event is applicableOrder to be SubmittedTotal Paid In: $35,002.00
debtor needs to amend order-paragraph 5 should in the order should state that the debtor is to file a modified plan within 14 days EDC

MTN FOR APPV OF INSURANCE PROCEEDS
Matter ResolvedRequest
Adjourment
184/27/2022 9:00 am18-23367 / MBKJustin M. Gillman, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $52,010.00
***Trustee Order: $48,293 Ptd, then $1,239 x 15 starting 5/1/22, debtor shall sign up for TFS auto pay within 15 days***

ADJ to 4/27 for $3,717 to clear (dm)

Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment
194/27/2022 9:00 am18-23652 / MBKBRUCE W RADOWITZ ESQHearing Scheduled (Document)Order to be SubmittedTotal Paid In: $22,559.00
creditor cert of d
Debtor obj<> WILMINGTON SVS/McNair Court (RAS)
Matter ResolvedRequest
Adjourment
204/27/2022 9:00 am18-26798 / MBKTHOMAS G. EGNERMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $21,211.00
Debtor obj<>WELLS FARGO BANK (POWERS)
Matter ResolvedRequest
Adjourment
214/27/2022 9:00 am18-27115 / MBKRobert C. Nisenson, Esq.Motion Relief from Stay (Fee)Consent Order to be SubmittedTotal Paid In: $57,150.00
Debtor obj<>NEWREZ/SHELLPOINT/Main Street (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
224/27/2022 9:00 am18-28440 / MBKAllen I. Gorski, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $29,734.00
Debtor current as of 3/31/22
Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment
234/27/2022 9:00 am18-28815 / MBKBrian W. Hofmeister, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $24,356.00
PNC/ Newmark Dr/ Hartman Drive (MARTONE & UHLMANN)
Matter ResolvedRequest
Adjourment
254/27/2022 9:00 am18-29961 / MBKWILLIAM S WOLFSON, ESQTrustee Certification of DefaultContinued
5/25/2022 9:00 am
Total Paid In: $31,055.00
AMT: PPSD TR ORDER -$30,098.58 PTD (42); $823 X 18 BEG 5/1/22; TRUSTEE TO PAY IRS #3-2 AS FILED AND WILL NOT SEEK MODIFICATION OF CLM (EMAIL TO IRS & DEBTOR COUNSEL. IRS OK - NEED WOLFSON'S REPLY)<<>>

4/8/22 - email sent to Mr. O'Hagan & Mr. Wolfson (dm)

Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment
244/27/2022 9:00 am18-29961 / MBKWILLIAM S WOLFSON, ESQMotion to Amend Proof of ClaimOrder to be SubmittedTotal Paid In: $31,055.00
MTN ALLOWING DEBTOR TO AMEND/MODIFY IRS POC #3-2 & AUTHORIZE TRUSTEE TO PAY LATE FILED CLM
Matter ResolvedRequest
Adjourment
264/27/2022 9:00 am18-30010 / MBKCandyce I. Smith-Sklar, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $25,026.00
RESOLVED

Trustee objection:
--failed to disclose these 3 policies worth $3000 on petition--DEBTORS RESPONSE THAT THEY DIDNT REALIZE IT HAD CASH VALUE

MTN TO APPROVE WITHDRAWAL CASE VALUE FROM LIFE INS POLICY
Matter ResolvedRequest
Adjourment
274/27/2022 9:00 am18-30110 / MBKBruce C. Truesdale, Esq.Motion Relief from Stay (Fee)Continued
5/25/2022 9:00 am
Total Paid In: $47,522.00
nfa
Debtor obj<>WILMINGTON SAVINGS FUND/Tieman Circle (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
284/27/2022 9:00 am18-32320 / MBKMarc C. Capone, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $113,738.00
***Trustee Order: $102,848 Ptd, $3,630 by 4/30/22, then $3,630 x 43 starting 5/1/22, debtor shall sign up for TFS auto pay within 10 days***

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
294/27/2022 9:00 am18-32320 / MBKMarc C. Capone, Esq.AP Motion to DismissContinued
5/26/2022 9:00 am
Total Paid In: $113,738.00
adj 5/26

AP 22-1040
Debtor obj<> PHH MTN TO DISMISS AP ( Duane Morris)
Matter ResolvedRequest
Adjourment
304/27/2022 9:00 am18-34255 / MBKJohn F. Bracaglia, Jr., Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $66,688.00
Debtor obj<>PHH MTG / Tallwood La (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
314/27/2022 9:00 am19-10249 / MBKTHOMAS J ORR ESQMotion Relief from Stay (Fee)Continued
5/25/2022 9:00 am
Total Paid In: $20,350.00
Debtor obj<>CARRINGTON MTG (FEIN, SUCH)
Matter ResolvedRequest
Adjourment
324/27/2022 9:00 am19-12513 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Withdrawn
Debtor obj, filed mtn to sell (linked to MFR but para 1 states Tr def cert, which was previously resolved )<>WELLS FARGO/Montgomery Ave (LOGS)
Matter ResolvedRequest
Adjourment
334/27/2022 9:00 am19-12672 / MBKWarren Brumel, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN AUTHORIZING PENSION LOAN FOR EARLY PLAN PAYOFF
Matter ResolvedRequest
Adjourment
344/27/2022 9:00 am19-12677 / MBKVera Fedoroff, Esq.Creditor Certification of DefaultContinued
5/11/2022 9:00 am
Total Paid In: $34,424.00
Debtor obj<> WILMINGTON SVG/Whispering Oaks Way (RAS)
Matter ResolvedRequest
Adjourment
354/27/2022 9:00 am19-14845 / MBKGeorge E Veitengruber IIICreditor Certification of DefaultOrder to be SubmittedTotal Paid In: $111,348.00
Debtor obj<> US BANK/Palmer Ave (RAS)
Matter ResolvedRequest
Adjourment
364/27/2022 9:00 am19-14870 / MBKCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $4,607.00
debtor is current
Debtor obj, will pay<> ARREARS
Matter ResolvedRequest
Adjourment
374/27/2022 9:00 am19-15291 / MBKCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultGrantedTotal Paid In: $14,686.00
Debtor obj<> NATIONASTAR/Princeton Pike (RAS)
Matter ResolvedRequest
Adjourment
384/27/2022 9:00 am19-15327 / MBKRONALDO C GEORGEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $90,081.00
AMT: $83,183.50 PTD (37); $2,299 X 23 BEG 5/1/22; $10,000 LUMP SUMS BY 10/15/22, 1/30/23, AND 3/31/23 (ATTY ok)<<>>

Debtor obj, filing MP to defer lump sum pymts<>ARREARS
Matter ResolvedRequest
Adjourment
394/27/2022 9:00 am19-17271 / MBKFred R. Braverman Trustee Certification of DefaultTrustee Order
***Trustee Order: $22,275 Ptd, $1,350 by 4/29/22, $1,315 by 5/13/22***

Debtor obj, proposes recap<> ARREARS
Matter ResolvedRequest
Adjourment
404/27/2022 9:00 am19-17417 / MBKVera Fedoroff, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $21,329.00
(AMT: secured cram remains-this reduces the unsecured cram balance)<<>>

MTN TO REDUCE ALLY CAPITAL #16-1 TO $20,934.77
Matter ResolvedRequest
Adjourment
414/27/2022 9:00 am19-19333 / MBKNicholas Fitzgerald, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $11,122.00
Debtor obj<> AMERICREDIT/2012 Odyssesy (Morton)
arrears cured but loan matured
Matter ResolvedRequest
Adjourment
424/27/2022 9:00 am19-19383 / MBKPRO SEMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $44,709.00
Debtor obj<>JPMORGAN CHASE BANK/ Elizabeth Ave (FEIN, SUCH)
Matter ResolvedRequest
Adjourment
434/27/2022 9:00 am19-20185 / MBKCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $16,487.00
***Trustee Order: $14,687.10 Ptd, then $654 x 49 starting 5/1/22, debtor shall sign up for TFS eWage within 10 days***

ADJ to 4/27/22 for $2,450 payment to clear and then Trustee Order with eWage (dm)

Debtor obj, will pay<> ARREARS
Matter ResolvedRequest
Adjourment
444/27/2022 9:00 am19-21154 / MBKKATHERINE A. SUPLEE, ESQ.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $69,775.00
(3/29 AMT: DEBTOR GETTING NEW COUNSEL TO ADDRESS SV & COMPLETE PLAN)<<>>


SV/NEW RESIDENTIAL
Matter ResolvedRequest
Adjourment
454/27/2022 9:00 am19-23053 / MBKDouglas T. Tabachnik Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $50,159.00
AJX MTG TRUST/WILMINGTON SAVINGS Opal Ct (PLUESE, BECKER)
Matter ResolvedRequest
Adjourment
474/27/2022 9:00 am19-23425 / MBKWilliam H. Oliver, Jr., Esq.Trustee Certification of DefaultContinued
5/11/2022 9:00 am
Total Paid In: $42,779.00
AMT:MP 5/11 *<<<>>

Debtor obj, filing MP<> ARREARS
Matter ResolvedRequest
Adjourment
464/27/2022 9:00 am19-23425 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $42,779.00
Debtor obj<>EXETER FINANCE/ 2018 Equinox (MORTON)
Matter ResolvedRequest
Adjourment
484/27/2022 9:00 am19-24266 / MBKDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/25/2022 9:00 am
Total Paid In: $5,950.00
AMT: MP 5/25 **ADJ REQUEST PENDING PROCESSING**<<>>


Debtor obj<>FAILED TO LM BY 1/31/21
Matter ResolvedRequest
Adjourment
494/27/2022 9:00 am19-27132 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
5/11/2022 9:00 am
Total Paid In: $37,235.00
PINGORA LOAN/ Union Ave (GROSS POLOWY)
Matter ResolvedRequest
Adjourment
504/27/2022 9:00 am19-27290 / MBKDaniel E. Straffi, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $21,228.00
MTN TO ALLOW CASE TO CLOSE
Matter ResolvedRequest
Adjourment
514/27/2022 9:00 am19-27579 / MBKPAUL PFLUMMMotion Relief from Co-Debtor StayContinued
5/25/2022 9:00 am
Total Paid In: $25,094.00
Debtor obj<>COMMUNITY LOAN SERVICING/BAYVIEW - Limewood Dr (SCHILLER, SNAPP)
Matter ResolvedRequest
Adjourment
524/27/2022 9:00 am19-28432 / MBKMarc C. Capone, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $14,041.00
***Trustee Order: $13,500 Ptd, then $541 x 5 starting 5/1/22***

Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment
534/27/2022 9:00 am19-28528 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $29,880.00
MTN TO EXPUNGE POC #3/MODIFY TO PTD AMOUNT $ 1,786.57
Matter ResolvedRequest
Adjourment
544/27/2022 9:00 am19-28756 / MBKAndrew Thomas Archer Trustee Certification of DefaultWithdrawnTotal Paid In: $12,617.00
AMT: MP 4/27 ***HR*<<>>

Debtor obj, filing MP<> ARREARS
Matter ResolvedRequest
Adjourment
554/27/2022 9:00 am19-28863 / MBKAndrew Thomas Archer Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $14,329.00
AR MOD PLAN ON FOR 4-25 BUT DOES NOT ADDRESS LENDER DEFAULT

Debtor obj<>PHH MTG / Brighton Ave(ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
564/27/2022 9:00 am19-29736 / MBKVera Fedoroff, Esq.Motion SellOrder Previously Submitted
US Bank obj (Frenkel)<> MORNINGSIDE ST
Matter ResolvedRequest
Adjourment
574/27/2022 9:00 am19-30195 / MBKPATRICIA COLLIGAN, ESQ.Creditor Certification of DefaultContinued
5/25/2022 9:00 am
Total Paid In: $12,922.00
Debtor obj<> SANTANDER (Gross McGinley)


Creditor - 5 payments past due
Debtor - proposes $2k lump sum payment & then 3-month cure
Matter ResolvedRequest
Adjourment
584/27/2022 9:00 am19-30890 / MBKJustin M. Gillman, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $42,032.00
***Trustee Order: $38,301 Ptd, then $1,896 x 55 starting 5/1/22***

NSF of $1,835 occurred on 3/3 - will need to move forward with TFS

Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment
594/27/2022 9:00 am19-32161 / MBKTHOMAS J ORR ESQTrustee Certification of DefaultTrustee OrderTotal Paid In: $23,600.00
24,700 paid then $500 by 5/3 with $1204 x 31 beginning 5/1/22

Debtor obj, proposes recap<> ARREARS
Matter ResolvedRequest
Adjourment
604/27/2022 9:00 am19-32861 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/25/2022 9:00 am
Total Paid In: $19,030.00
amt: MP 5/25** ADJ REQUEST PENDING PROCESSING**<<>>

Debtor obj, filed MP<>FAILED TO RE BY 3/1/22
Matter ResolvedRequest
Adjourment
614/27/2022 9:00 am20-10160 / MBKDaniel E. Straffi, Esq.Creditor Certification of DefaultContinued
5/11/2022 9:00 am
Total Paid In: $17,925.00
Debtor obj<> SANTANDER/2017 RAV 4 (Morton)
Matter ResolvedRequest
Adjourment
624/27/2022 9:00 am20-10273 / MBKSTEPHANIE SHRETER, ESQCreditor Certification of DefaultWithdrawnTotal Paid In: $14,700.00
Debtor obj<> NATIONSTAR/Red Fox St (Powers)

**$7200 arrears (4 payments ) on mortgage- may need Conduit payments EDC
Matter ResolvedRequest
Adjourment
634/27/2022 9:00 am20-10498 / MBKDaniel E. Straffi, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
5/25/2022 9:00 am
Total Paid In: $25,898.00
AR TERMS TO BE REVIEWED BY JUDGE
loan doc
12%
1500 fee 2000 lender cost deposit
6 mo pymts in advance
interest only mo 7-12
mo 12 balloon with 12 mo option with 12 mo pymts prepaid and 1.5% principal repay

MTN AUTHORIZING REFIN
Matter ResolvedRequest
Adjourment
644/27/2022 9:00 am20-11064 / MBKKevin C. Fayette, EsqMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $9,100.00
Debtor obj<>BANK OF AMERICA / Walnut Ave (FRENKEL, LAMBERT)
Matter ResolvedRequest
Adjourment
654/27/2022 9:00 am20-11641 / MBKBRUCE H. LEVITTTrustee Certification of DefaultTrustee OrderTotal Paid In: $50,798.00
$48,932.17 paid then $1866 x 33 beg 5/1/22 -- ewage or TFS in 7 days

ADJ to 4/27 for another payment to clear (dm)
Debtor owes for April
Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment
664/27/2022 9:00 am20-11841 / MBKNicholas Fitzgerald, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $17,623.00
Debtor obj<>PHH/Pleasant Ave ( RAS)
Matter ResolvedRequest
Adjourment
674/27/2022 9:00 am20-12188 / MBKStephanie Ritigstein, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $24,400.00
Debtor obj<>US BANK NAT'L ASSOC/North Ward St (KML)
Matter ResolvedRequest
Adjourment
684/27/2022 9:00 am20-13164 / MBKWilliam H. Oliver, Jr., Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $11,335.00
AMT: MP 4/27 ***HR<<>>

ADJ to 3/23 Peremptory for the MP to be filed (dm)

Debtor obj, can resume pymts<> ARREARS
Matter ResolvedRequest
Adjourment
694/27/2022 9:00 am20-13544 / MBKPeter E. Zimnis, Esq.Motion for Relief from StayContinued
5/11/2022 9:00 am
Total Paid In: $23,121.00
RELISTED 3/23/22 HEARING WAS OTBS<<>>

Debtor obj<> US Bank (Honig & Greenberg)

Matter ResolvedRequest
Adjourment
704/27/2022 9:00 am20-14480 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/5/2022 9:00 am
Total Paid In: $5,501.00
AMT: MP 4/27**NEEDS RESOLUTION**<<>>


Debtor obj, filed MP<>FAILED TO SELL CREED RD PPTY BY 1/1/21
Matter ResolvedRequest
Adjourment
714/27/2022 9:00 am20-14632 / MBKMARYBETH SCHROEDERMotion Relief from Stay (Fee)Continued
5/25/2022 9:00 am
Total Paid In: $5,500.00
Debtor obj<>FLAGSTAR BANK/Keene St (KML)
Matter ResolvedRequest
Adjourment
724/27/2022 9:00 am20-17064 / MBKBruce C. Truesdale, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $12,500.00
MTN TO APPV PI SETTLEMENT
Matter ResolvedRequest
Adjourment
734/27/2022 9:00 am20-17234 / MBKJ. Todd MurphyMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $33,900.00
Debtor obj<>FREEDOM MTG Grove St(BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
744/27/2022 9:00 am20-17334 / MBKErik M. Helbing Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order to be SubmittedTotal Paid In: $27,315.00
Needs $1342 sent to trustee plus either ewage or TFS to reinstate
Matter ResolvedRequest
Adjourment
754/27/2022 9:00 am20-17536 / MBKEdward Hanratty, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceGranted
MTN TO W/D 401K FUNDS TO PAYOFF CH 13 EARLY
Matter ResolvedRequest
Adjourment
764/27/2022 9:00 am20-18352 / MBKCandyce I. Smith-Sklar, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $27,011.00
Trustee Obj - Paragraph #1 of the proposed order creates confusion - secured portion of IRS claim should continue to be paid through the plan and the unsecured portion should be treated no different than the other unsecured creditors (dm)

MTN TO APPV DISBURSEMENT OF EXEMPT PROCEEDS FROM SALE OF PROPERTY LOCATED 68 CLARK ST
Matter ResolvedRequest
Adjourment
794/27/2022 9:00 am20-18352 / MBKCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $27,011.00
MTN TO EXPUNGE CLM #1
Matter ResolvedRequest
Adjourment
784/27/2022 9:00 am20-18352 / MBKCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $27,011.00
AMT: MP 4/27**NEEDS RESOLUTION**<>>



Debtor obj, scheduling a closing<> FAILED TO PROVIDE HUD, FILE MP, TURNOVER N/E PROCEEDS FROM SALE OF CLARK ST PPTIES PER 9/7/21 ORDER
Matter ResolvedRequest
Adjourment
774/27/2022 9:00 am20-18352 / MBKCandyce I. Smith-Sklar, Esq.Amended Motion to Disburse ProceedsGrantedTotal Paid In: $27,011.00
AMD MTN TO ADDRESS CERT OF DISCHARGE FOR IRS (MTN DOC #104)
Matter ResolvedRequest
Adjourment
804/27/2022 9:00 am20-19462 / MBKWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $20,949.00
*3800 arrears on mortgage
current with trustee payments EDC

Debtor obj<> CENLAR/Brockton Ave (Pluese Becker)
Matter ResolvedRequest
Adjourment
814/27/2022 9:00 am20-20282 / MBKAndrew Thomas Archer Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $13,876.00
Debtor obj<>PHH MTG/ Bond St (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
824/27/2022 9:00 am20-21529 / MBKJohn Zimnis, Esq.Trustee Certification of DefaultContinued
5/25/2022 9:00 am
Total Paid In: $6,650.00
AMT: MP 5/25

Debtor obj, made pymts<> ARREARS
Matter ResolvedRequest
Adjourment
834/27/2022 9:00 am20-21589 / MBKEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/11/2022 9:00 am
Total Paid In: $7,030.00
Loan Mod document uploaded - need to file Application/Motion to Approve the Loan Mod (dm)

Debtor obj<>FAILED TO LM BY 3/31/21 OR 2/1/22 AS EXTENDED BY AGREED ORDER RESOLVING OBJ TO CONF (DOC #37)
Matter ResolvedRequest
Adjourment
844/27/2022 9:00 am20-22942 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/25/2022 9:00 am
Total Paid In: $12,755.00
AMT: MP 5/25 ** ADJ REQUEST PENDING PROCESSING**<<>>

Debtor obj, filed MP<>FAILED TO REFI 12/1/21
Matter ResolvedRequest
Adjourment
854/27/2022 9:00 am20-23318 / MBKStephanie Ritigstein, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $6,337.00
***Trustee Order: $5,337 Ptd, then $718 x 26 starting 5/1/22, debtor shall sign up for TFS eWage within 10 days***

Debtor obj, can make pytms<> ARREARS
Matter ResolvedRequest
Adjourment
864/27/2022 9:00 am20-23891 / MBKJoel R. Spivack, Esq.Motion Motion (Generic) - Only use if no other event is applicableOrder to be Submitted
**Needs an order from counsel still. No order included in motion****

MTN FOR PLAN COMPLETION AND REQUEST FOR DISCHARGE
Matter ResolvedRequest
Adjourment
874/27/2022 9:00 am21-10173 / MBKANDREW B FINBERG ESQTrustee Certification of DefaultContinued
5/25/2022 9:00 am
Total Paid In: $4,181.00
4/25/22 - payment sent by accident to Isabel's office which has been located (dm)

Debtor obj, can pay<> ARREARS
Matter ResolvedRequest
Adjourment
884/27/2022 9:00 am21-10228 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/25/2022 9:00 am
Total Paid In: $8,000.00
Debtor obj, filed loss mit extension and MP<>FAILED TO LM BY 11/28/21,LOSS MIT EXPIRED 3/13/22; ARREARS; NOT PAYING INCREASED TIER
Matter ResolvedRequest
Adjourment
894/27/2022 9:00 am21-10554 / MBKMelinda D Middlebrooks, EsqTrustee Certification of DefaultContinued
5/25/2022 9:00 am
Total Paid In: $3,481.00
adj to 5/25--payment $385 by 4/27 and payment of $385 by 5/24

AR HELD FOR PROOF OF PYMTS FOR MP
AMT: MP 5/25***NEEDS TO APPEAR TO REQUEST ADJ FOR TR MTN***<<>



ADJ BY MBK TO 4/27/22 TO ADDRESS THE TFS PAYMENTS & TO EVALUATE THE MP THAT WAS FILED

AR note AR PER TFS 2-4 AND 3-8 PYMTS NSF
Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment
914/27/2022 9:00 am21-13005 / MBKAndrew Thomas Archer Motion Relief from Co-Debtor StayGrantedTotal Paid In: $10,509.00
Debtor obj<>SN SERVICING (FRIEDMAN VARTOLO)
Matter ResolvedRequest
Adjourment
904/27/2022 9:00 am21-13005 / MBKAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $10,509.00
AMT: MP 4/27 ***NEEDS RESOLUTION***<<>>

Debtor obj<> FAILED TO LM BY 7/26/21; LOSS MIT TERMINATED ON 2/10/22
Matter ResolvedRequest
Adjourment
924/27/2022 9:00 am21-13023 / MBKAlex A PisarevskiMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/25/2022 9:00 am
Total Paid In: $19,102.00
AMT: MP 4/27 *** NEEDS RESOLUTION***<<>>


Debtor obj<>PLAN DENIED 1/26/22; FAILED TO FILE MP WITHIN 21 DAS
Matter ResolvedRequest
Adjourment
934/27/2022 9:00 am21-14397 / MBKLee M. Perlman, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $23,078.00
MTN TO APPROVE SETTLEMENT
Matter ResolvedRequest
Adjourment
944/27/2022 9:00 am21-14710 / MBKWilliam H. Oliver, Jr., Esq.Motion File Claim After Claims Bar DateGrantedTotal Paid In: $7,206.00
MTN TO ALLOW LATE FILED CLM #15
Matter ResolvedRequest
Adjourment
954/27/2022 9:00 am21-14926 / MBKEugene Roth, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/25/2022 9:00 am
Total Paid In: $5,913.00
FAILED TO LM BY 2/1/22
Matter ResolvedRequest
Adjourment
964/27/2022 9:00 am21-15054 / MBKEdward Hanratty, Esq.Motion CompensationContinued
5/11/2022 9:00 am
Total Paid In: $4,962.00
AMT: ATTY NEVER FILED PRE CONF CERT PRE CONF PROVISION
Matter ResolvedRequest
Adjourment
974/27/2022 9:00 am21-15717 / MBKJOHN C FEGGELER, ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $9,789.00
Debtor obj<>US BANK TRUST/Johnson Ave (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
984/27/2022 9:00 am21-16453 / MBKS DANIEL HUTCHISON ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $15,616.00
4/19 AMT: LM ORDER, DOC #40 ENTERED<<<>>>

Debtor obj<>FAILED TO LM BY 11/25/21; LOSS MIT EXPIRED 2/28/22
Matter ResolvedRequest
Adjourment
994/27/2022 9:00 am21-16492 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/5/2022 9:00 am
Total Paid In: $5,000.00
(AMT: Loss mit now extended to 6/30/22)

Debtor obj, extended loss mit-final pkg in review<>FAILED TO LM BY 3/1/22
Matter ResolvedRequest
Adjourment
1004/27/2022 9:00 am21-16561 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $1,347.00
Debtor obj<>FIFTH THIRD BANK/ Monmouth Avenue (ROBERTSON, ANSCHUTZ)

- debtor intends to bring current by court date (dm)
Matter ResolvedRequest
Adjourment
1014/27/2022 9:00 am21-16636 / MBKScott J. Goldstein Order Shorten TimeGranted
OST - sale of 710 LAWRENCE RD
Matter ResolvedRequest
Adjourment
1024/27/2022 9:00 am21-16721 / MBKJonathan Goldsmith-Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $7,508.00
SV/WILMINGTON; FAILED TO FILE PRE CONF CERT
Matter ResolvedRequest
Adjourment
1034/27/2022 9:00 am21-17025 / MBKDaniel E. Straffi, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $2,700.00
SLS limited response (Stewart Legal)<>MTN TO RECLASSIFY SPECIALZIED LOAN #3 TO UNSECURED
Matter ResolvedRequest
Adjourment
1044/27/2022 9:00 am21-17391 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $53,121.00
Debtor obj<>UNITED ASSET MANAGEMENT/ PLAINFIELD AVE (ROMANO GARUBO)
Matter ResolvedRequest
Adjourment
1054/27/2022 9:00 am21-17397 / MBKJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $5,190.00
PROVIDENT BANK/High St (MELLINGER KARTZMAN)
Matter ResolvedRequest
Adjourment
1064/27/2022 9:00 am21-17453 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $1,961.00
Debtor obj<>AFFINITY FEDERAL CREDIT UNION / 2019 KIA (PETER LISKA)
Matter ResolvedRequest
Adjourment
1074/27/2022 9:00 am21-17531 / MBKDAVID A. SEMANCHIK, ESQMotion Relief from Stay (Fee)GrantedTotal Paid In: $2,454.00
TOYOTA MOTOR/2018 RAV 4 (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
1084/27/2022 9:00 am21-17727 / MBKLaurence R. Sheller, Esq.Motion Relief from Co-Debtor StayGrantedTotal Paid In: $800.00
EXETER FINANCE /2019 Kia (MORTON & CRAIG)
Matter ResolvedRequest
Adjourment
1094/27/2022 9:00 am21-17872 / MBKNicholas Fitzgerald, Esq.Objection to Debtor's Claim of ExemptionsWithdrawnTotal Paid In: $10,515.00
Debtor response; Trustee obj
The debtor filed 2 different schedule C analysis and attached together as the amended C.
This is confusing and needs to be amended
Matter ResolvedRequest
Adjourment
1104/27/2022 9:00 am21-17908 / MBKEugene Roth, Esq.Motion Relief from Co-Debtor StayContinued
5/25/2022 9:00 am
Total Paid In: $5,271.00
Debtor obj<>NATIONSTAR MTG/MR. COOPER (McCALLA RAYMER)
Matter ResolvedRequest
Adjourment
1114/27/2022 9:00 am21-18167 / MBKRoger J. Yehl, Esq.Motion SellOrder to be SubmittedTotal Paid In: $7,095.00
AR NOTE ATTY REQUEST OPPTY TO PUT TERMS OF ORDER ON THE RECORD
Amended Order submitted to Chambers 4/7/22

47 CHAPIN AV
Matter ResolvedRequest
Adjourment
04/27/2022 9:00 am21-18167 / MBKRoger J. Yehl, Esq.Motion SellMootTotal Paid In: $7,095.00
AMT: DOCKET NOTED 'INCORRECT PDF'.
Matter ResolvedRequest
Adjourment
1124/27/2022 9:00 am21-18298 / MBKRobert C. Nisenson, Esq.Motion Prospective ReliefOrder to be Submitted
AR NOTE DEBTOR WANTS TO SELL NEEDS 90 DAYS
ALSO FOR MP

Debtor obj<>MTN TO VACATE STAY FOR PROSPECTIVE (Pluese)
Matter ResolvedRequest
Adjourment
1134/27/2022 9:00 am21-18317 / MBKAllen I. Gorski, Esq.Motion Motion (Generic) - Only use if no other event is applicableDenied
Bezmar LL, obj (Ruben); Debtor response<>MTN TO WAIVE APPEARANCE OF 341(a)
Matter ResolvedRequest
Adjourment
1144/27/2022 9:00 am21-18362 / MBKJonathan Goldsmith-Cohen, Esq.Motion Relief from Stay (Fee)Continued
5/25/2022 9:00 am
Total Paid In: $2,520.00
Debtor obj<>NEWREZ/SHELLPOINT / Thorne Place (PINCUS LAW)
Matter ResolvedRequest
Adjourment
1154/27/2022 9:00 am21-18758 / MBKGeorge E Veitengruber IIIMotion Relief from Stay (Fee)Continued
5/25/2022 9:00 am
Total Paid In: $7,689.00
ADJ to 4/27 for creditor to respond to settlement proposal by debtor

Evidentiary Hearing

Debtor obj<>CENLAR/ Cliff St (STERN LAVINTHAL)
Matter ResolvedRequest
Adjourment
1164/27/2022 9:00 am21-18770 / MBKWilliam H. Oliver, Jr., Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
reinstated with AR NOTE WITH REVISED TAXES NOT FEASIBLE
Trustee Obj:
- IRS priority claim is estimated for 2017-2020 taxes.
- NJ Division of Taxation claim is estimated for 2018-2020 taxes.
- Need November bank statement for TD account #2117 and October and November bank
statements for TD account #2502.
- Based upon a proposed loan modification, the debtor needs to file a Modified Plan with a
Base dividend.
- Need a Certification regarding the personal injury settlement.

OST - MOTION TO VACATE DISMISSAL
Matter ResolvedRequest
Adjourment
1174/27/2022 9:00 am21-19180 / MBKLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/11/2022 9:00 am
Total Paid In: $44,480.00
amt: mp 5/11 **NEEDS TO APPEAR TO REQUEST ADJ FOR TR MTN***<<>>

MP to pay off case (using insurance proceeds) to be filed by 3/23/22 - ADJ to 4/27/22 (dm)

Debtor obj, filing mtn to pay off case with life insurance proceeds<<>>FAILED TO FILE FEASIBLE PLAN; LACK OF PROSECUTION
Matter ResolvedRequest
Adjourment
1184/27/2022 9:00 am21-19299 / MBKKirsten B. Ennis Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
5/11/2022 9:00 am

Trustee obj
Matter ResolvedRequest
Adjourment
1194/27/2022 9:00 am21-19439 / MBKROBERT G SWAN, ESQMotion Relief from Stay (Fee)Moot - Dismissed
MERCER COUNTY NJ TEACHERS FEDERAL CRED UNION / 2016 Hyundai (PETER LISKA)
Matter ResolvedRequest
Adjourment
1204/27/2022 9:00 am22-10522 / MBKWilliam H. Oliver, Jr., Esq.Order Shorten TimeGrantedTotal Paid In: $2,000.00
new conf 6/8 at 10:00 AM


MTN TO VACATE DISMISSAL
Matter ResolvedRequest
Adjourment
1214/27/2022 9:00 am22-10573 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
5/25/2022 9:00 am

Trustee objection:

(1) The motion does not contain a certification. It is improper to submit a "letter" in lieu of a more formal objection to the proof of claim.
(2) The certification should be signed by the debtor(s).
Debtor response<>MTN TO EXPUNGE CLM#11
Matter ResolvedRequest
Adjourment
1224/27/2022 9:00 am22-10573 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
5/25/2022 9:00 am

No certification in support. Can't file motion via "letter" EDC

Debtor response<>MTN TO EXPUNGE CLM# 13
Matter ResolvedRequest
Adjourment
1234/27/2022 9:00 am22-10573 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
5/25/2022 9:00 am

No certification in support. Can't file motion via "letter" EDC

Debtor response<>MTN TO EXPUNGE CLM#14
Matter ResolvedRequest
Adjourment
1244/27/2022 9:00 am22-10573 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
5/25/2022 9:00 am

MTN TO EXPUNGE CLM#15
Matter ResolvedRequest
Adjourment
1254/27/2022 9:00 am22-10573 / MBKEdward Hanratty, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceWithdrawn
MTN TO PURCHASE 2022 JAGUAR at $1000 a month
trustee objection
Matter ResolvedRequest
Adjourment
1264/27/2022 9:00 am22-10843 / MBKMICHAEL P OTTO ESQMotion Relief from Co-Debtor StayContinued
6/8/2022 9:00 am

Debtor obj<>SN SERVICING/US BANK TRUST / Latourette Ave (FRIEDMAN VARTOLO)
Matter ResolvedRequest
Adjourment
1274/27/2022 9:00 am22-10882 / MBKRobert Braverman, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGrantedTotal Paid In: $900.00
LOSS MIT
Matter ResolvedRequest
Adjourment
1284/27/2022 9:00 am22-11004 / MBKWilliam H. Oliver, Jr., Esq.Order Shorten TimeGranted
creditor did not show

confirmation 6/8 10:00

shortened time
Need $3180 to reinstate

US Bank obj (Romano Garubo)<>MTN TO VACATE DISMISSAL
Matter ResolvedRequest
Adjourment
1294/27/2022 9:00 am22-11124 / MBKEric ClaymanMotion Relief from Co-Debtor StayMoot - Dismissed
SPECIALZIED LOAN/ Fernwood Court (McCALLA RAYMER)
Matter ResolvedRequest
Adjourment
1304/27/2022 9:00 am22-11230 / MBKPAUL H YOUNGMotion Impose Automatic StayGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
1314/27/2022 9:00 am22-11279 / MBKBRIAN L HOFFMAN, ESQMotion Approval to Participate in the Court's Loss Mitigation ProgramGrantedTotal Paid In: $590.00
LOSS MIT/PINGORA LOAN
Matter ResolvedRequest
Adjourment
1324/27/2022 9:00 am22-12130 / MBKLee M. Perlman, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN FOR CONTINUATION OF STAY
Matter ResolvedRequest
Adjourment
1334/27/2022 9:00 am22-12417 / MBKLaurence R. Sheller, Esq.Motion Extend TimeGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
1344/27/2022 9:00 am22-12526 / MBKJohn Zimnis, Esq.Motion Extend TimeVacated
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
1354/27/2022 9:00 am22-12547 / MBKJohn Zimnis, Esq.Motion Extend TimeVacated
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
1364/27/2022 9:00 am22-12571 / MBKYakov Rudikh, Esq.Order Shorten TimeGranted
shortened time
DEBTOR MTN TO DISMISS
Matter ResolvedRequest
Adjourment
1384/27/2022 9:00 am22-13095 / MBKBrad J. Sadek, Esq.Order Shortening TimeGranted
OST - MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
1394/27/2022 10:00 am18-13514 / MBKStephanie Ritigstein, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 57 of 52 required payments   Arrears: $0  
Total Paid In: $14,857.00
ISSUES AS OF 4/18/2022 (DM): Updated 4/26/22

***TO CONFIRM, THE DEBTOR NEEDS $14,072.63 PTD, THEN $262 x 16 STARTING 5/1/22, 0% PLAN, $600 SUPPLEMENTAL FEE APP TO BE FILED WITHIN 7 DAYS***

1) trustee OBJ:
- Need updated proof of income (RECEIVED).

Note - previous Trustee Recap extended plan to 66 months, however proposed MP is only for 60 months.


Confirm Case: $1,930 Ptd, $248 x 52 start 11/1/18, 0%
Prop. MP: Ptd, $290 x 10 start 4/1/22, 0%
PTD = $14,072.63
Last Claim (6-1) dated 5/14/18
Matter ResolvedRequest
Adjourment
1404/27/2022 10:00 am18-16163 / MBKJOAN S. WARREN, ESQ.Confirmation Hearing ScheduledContinued
5/11/2022 10:00 am
Debtor has made 39 of 51 required payments   Arrears: $0  
Total Paid In: $15,400.00
issues as of 3/3/2022 (JMA)

1) Excessive expenses on Amended Schedule J $450/home maintenance (allowance $200); $690/utilities (allowance $450); $1,000/food 2 people (allowance $800); $300 emergency fund; $1,035/medical expenses increased $385 need supporting documentation
2) With an adjustment to Schedule J for all items, except medical which we need documentation, Schedule J should be reduced to $6,532.66
3) Need to provide proof of social security income, need proof of pension income and need 2020 tax return NOT RECEIVED TO DATE
4) Trustee objection to modified plan - need to resolve
-the modified plan does not propose to pay the required $41,444 dividend to general unsecured creditors as determined by the originally confirmed plan
-excessive expenses on amended Schedule J: $450/home maintenance (allowed $200); $690/utilities (allowed $450); $1,000/food 2 people (allowed $800); $300/emergency fund and $1,035/medical (increased $385 need explanation)

proposed plan $300x60base plan
paid in $14,700
11 months to go in 60 plan
Matter ResolvedRequest
Adjourment
1414/27/2022 10:00 am18-31017 / MBKJeffrey S. WaltersConfirmation Hearing on Modified PlanContinued
5/11/2022 10:00 am
Debtor has made 10 of 44 required payments   Arrears: $3,312.00  Total Paid In: $34,222.00
AS 04/20/22 - MUST RESOLVE ISSUES BELOW. WILL THIS BE A CONDUIT CASE?

1) Modified plan proposes 0% but previous plan was confirmed at 100%. Proposed payment will pay plan at almost 100%.

2) Objection filed by PennyMac Loan Services (Freinkel Lambert) - If plan proposes to pay pre petition and post petition arrears, creditor calls into question feasibility. I and J should show debtor's ability to support higher payment and ability to make direct payments to creditor outside the plan.

3) Trustee Conduit OBJ:
- The Debtor's CARES Act Certification as filed does not meet the standard for an extension of the Plan beyond 60 months.

(AMENDED CERT PROVIDED)
- Based upon the Certification of Default filed on behalf of creditor, PennyMac Loan Services, the failure of the debtor to make timely post-petition mortgage payments directly to the mortgagee is a default under the confirmed plan pursuant to In re Heinzle, 511 B.R. 69 (Bankr. W.D.Tex. 2014) and In re Padilla, 365 B.R. 492, 502 (Bankr. E.D.Pa. 2007). Additionally, due to the history of default by the debtor in making timely post-petition payments to the mortgagee and Trustee, the debtor's plan is no longer feasible as constituted. For the foregoing reasons, the Chapter 13 Trustee requests the Court to enter an Order recapitalizing the post-petition mortgage arrears through the plan, consolidating the debtor's payments, and directing that all future post-petition mortgage payments due during the pendency of the Chapter 13 Bankruptcy proceeding be made through the Chapter 13 Trustee using ePay, eWage, TFS or other electronic payment platform available to bankruptcy debtors. In the alternative, the Trustee requests dismissal of the Bankruptcy due to lack of feasibility.

MP proposes $27,802 PTD, $1224 X 45 0%
Plan has run 41 months and proposes to extend to 84 months


RESOLVED ISSUES:
-Need order for post petition arrears to Pennymac Loan Services (RECEIVED)
- Need amended I and J and current proof of income for
Matter ResolvedRequest
Adjourment
1424/27/2022 10:00 am19-27415 / MBKHerbert B. Raymond, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 33 of 33 required payments   Arrears: $0  
Total Paid In: $4,950.00
AS OF 4/21/22 (SF)

OK TO CONFIRM AT $4,650 PTD, $150 X 5 (BEGIN 5/1/22) BASE PLAN


MP proposes $150 x 36 Base Plan
Plan has run 31 months with 5 months remaining
Matter ResolvedRequest
Adjourment
1434/27/2022 10:00 am19-28756 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledConfirmedDebtor has made 20 of 32 required payments   Arrears: $772.00  Total Paid In: $12,617.00
ISSUES AS OF 4/18/2022 (DM): - Atty ok with terms

***Using Ytd numbers from last pay stub received for December 2020, the debtor's income averages to $5,230 per month plus $141 in prorated tax refund for 2020 results in $1,001 monthly disposable income. TRUSTEE RECOMMENDS CONFIRMATION AT $12,147 PTD, THEN $621 x 43 STARTING 5/1/22, 100% PLAN, DEBTOR SHALL SIGN UP FOR TFS eWAGE WITHIN 15 DAYS***

1) Trustee OBJ:
- Need updated proof of income (RECEIVED).
- Need 2020 tax return (RECEIVED).
- Debtor needs to file a CARES Act Cert (FILED 3/2/22).
- MP improperly attempts to excuse the arrears by not proposing to repay those arrears through the proposed plan.


Confirm Case: $2,425 Ptd, $511 x 39 start 8/1/20, 100%
Prop. MP: $11,208 Ptd, $469 x 46 start 2/1/22, 0%
PTD = $12,147
Last Claim (7-1) dated 7/13/21
Matter ResolvedRequest
Adjourment
1444/27/2022 10:00 am20-11907 / MBKMarc C. Capone, Esq.Confirmation Hearing on Modified PlanContinued
5/25/2022 10:00 am
Debtor has made 20 of 28 required payments   Arrears: $8,100.00  Total Paid In: $27,000.00
4/20/22 - Objection filed by Westgate Square Condo Assn (David Frizzell, Esq)

ISSUES AS OF 4/19/2022 (DM):

***To cure plan arrears, NEED TO CONFIRM AT $27,000 PTD, THEN $1,466 x 35 STARTING 4/1/22, BASE PLAN WITH $2,807 MINIMUM DIVIDEND, DEBTOR'S COUNSEL SHALL FILE A $4,000 SUPPLEMENTAL FEE APP WITHIN 7 DAYS, DEBTOR SHALL SIGN UP FOR TFS AUTO PAY WITHIN 10 DAYS***


Confirm Case: $17,550 Ptd, $1,350 x 45 start 6/1/21, $2,807 Min Div
Prop. MP: $22,950 Ptd, $1,350 x 39 start 12/1/21, Base
PTD = $27,000
Last Claim (15-1) dated 11/22/21
Matter ResolvedRequest
Adjourment
1454/27/2022 10:00 am20-13164 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 19 of 28 required payments   Arrears: $0  
Total Paid In: $11,335.00

4/25 workup for the 4/27 calendar EDC

RECOMMEND CONF AT: 9835 paid then $595 x 43 beg 4/1/22-pro rata--trustee to pay non-student loan unsecured debt 100% with student loan claims paid pro rata
-ewage or TFS set up prior to confirmation



-$5870 in arrears to trustee when filed MP

Trustee obj:

-terrible payment history-have only made 1 correct monthly payment (in full) in 18 months--case is nothing but Modified plans and trustee certs---needs ewage/TFS set up before confirmation or else not feasible
-only $469 in non-student loan gucs-must be 100% to non-student loans
-filed amended I & J. Where is income from second job? Need certification

$595 X 43 BEG 4/2022; BASE


Matter ResolvedRequest
Adjourment
1464/27/2022 10:00 am20-14480 / MBKDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanContinued
7/5/2022 10:00 am
Debtor has made 22 of 27 required payments   Arrears: $250.00  Total Paid In: $5,501.00
As of 4/20/22 (DS): 1. MFR by PHH Mortgage, Debtor post-pet arrears $61,238.46, sched 5/11/22. Must be resolved.

2. Motion to allow late filed claim not filed.

3/23/22 (DS): 1. Need motion to allow Trustee to pay late filed claim of PHH Mortgage claim#5-2.

MP Prop $250 x 36 begin 4/1/20; 100% and Sale of Creek Rd by 7/1/22
Matter ResolvedRequest
Adjourment
1474/27/2022 10:00 am20-18352 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 265 of 23 required payments   Arrears: $0  
Total Paid In: $27,011.00
4/20/20 - email sent to Candyce (dm)
ISSUES AS OF 4/19/2022 (DM):

1) Pending Motion to Approve Disbursement of Sale Proceeds - $5,416 secured portion of IRS claim to be paid and unsecured portion to be discharge at plan completion.

2) Pending Motion to Expunge BB&T POC (1-2)

 If both motions above are successful, then there are only $384.27 of unsecured claims.

3) MP provides $672.93 priority treatment to Trenton Water Works - no POC filed (STRIKE??)

4) MP fails to provide $5,416 secured treatment to the IRS in accordance with 12/10/20 Order Modifying the Claim (PAY PER ORDER??)


Confirm Case: $2,700 Ptd, $267 x 5, $1,114 x 45 start 11/1/21, Base
Prop. MP: $270 x 20, $286.50 x 64 start ???, Base, sale by 10/2021
PTD = $26,609.19
Last Claim (12-1) dated 1/29/21
Matter ResolvedRequest
Adjourment
1484/27/2022 10:00 am20-19504 / MBKWARREN LEVY, ESQ.Confirmation Hearing on Modified PlanConfirmedDebtor has made 33 of 22 required payments   Arrears: $0  
Total Paid In: $26,000.00
as of 4/21/2022 (JMA)

ok to confirm at $24,000 paid to date, $800x16 begin 5/1/2022 100% plan

proposed plan $1200x18, $800x18 100% plan
paid in $24,000
16 months to go
Matter ResolvedRequest
Adjourment
1494/27/2022 10:00 am20-20469 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
5/25/2022 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0  

Atty to move against both mortgage claims (not in his name) - scheduled for 5/11 EDC

AS OF 3/2/2022 (at):

1. US Bank/Wells Fargo filed a secured arrears claim #22 in the amount of $8,577.04 which is not in the plan. Is it ok to pay this claim?

2. CSMC 2021-JR1 Trust filed a secured arrears claim #23 in the amount of $10,585.34 which is not in the plan. Is it ok to pay this claim?

3. Trustee's objection:
The debtor has failed to file a feasible plan.
- Verified income leaves monthly disposable
income of $405. Plan is not feasible. Payment is insufficient to cure mortgage arrears on
first and second mortgage and to pay the chapter 7 trustee.
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - for the debtor by 6/30/2022. (LANGUAGE ADDED)
A copy of the last filed tax return - 2021 by 5/31/2022. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (NOT FILED)
- The attorney's fees in the plan ($3,425) and the disclosure statement ($1,685) do not agree. One of these must be amended. (NEITHER AMENDED)

Plan proposes: $369 x 60 beginning 12/1/2021, not less than $2,500 to unsecured creditors
Payments: 3/4, arrears $369
Matter ResolvedRequest
Adjourment
1504/27/2022 10:00 am20-21529 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
5/25/2022 10:00 am
Debtor has made 19 of 20 required payments   Arrears: $0  
Total Paid In: $6,650.00
issues as of 4/22/2022 (JMA)

1) US Bank (LOGS Legal Group) objection to confirmation - need to resolve
-plan fails to treat pre petition arrears in the amount of $71,320.61
-modified plan does not provide for secured creditor to receive distributions with equal value to the allowed amount of its claim
-plan is underfunded
2) What is the status of the car accident claim?

proposed plan$350x36 base plan with loan mod by 9/30/2022 plus non exempt proceeds from car accident claim
paid in $ 5,950
18 months to go in plan
Matter ResolvedRequest
Adjourment
1514/27/2022 10:00 am20-22382 / MBKSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 19 of 19 required payments   Arrears: $0  
Total Paid In: $20,062.00
Need to confirm at $17,922 paid, $1,034 x 43 begin 5/1/22 100% with a minimum $102,813.39 due to non-exempt equity

issues as of 4/22/2022 (JMA)

1) Bank of America (Frenkel Lambert) objection to confirmation- need to resolve
-post petition arrears $5,170.33
-schedules I and J show ability to support the higher payments
2) Need to provide Trustee with two months updated proof of income and the most recent tax return (2020 and or 2021)-OK 100% EDC

proposed plan $16,852 paid to date, $948x44 begin 4/1/2022 100% plan
paid in $17,922
43 months remain in plan
Matter ResolvedRequest
Adjourment
1524/27/2022 10:00 am21-10113 / MBKEric ClaymanOrder Vacate Dismissal of CaseConfirmedDebtor has made 16 of 17 required payments   Arrears: $0  
Total Paid In: $4,400.00
4/20 workup for the 4/27 calendar EDC



$3025 PTD; $275 X 32 BEG 2/2022; BASE ---Claims will be paid according to the trustee's order of distribution-----Debtor will submit Federal and NJ tax refunds to the Trustee by June 1st of every year during the pendency of the case for distribution to unsecured creditors under the Chapter 13 Plan; debtor may retain Earned Income Credit amounts;------att to file fee application in 7 days-----trustee will not pay claim of Asbury Municipal Court unless order entered allowing a late filed claim
Matter ResolvedRequest
Adjourment
1534/27/2022 10:00 am21-13005 / MBKAndrew Thomas Archer Confirmation Hearing on Modified PlanConfirmedDebtor has made 10 of 14 required payments   Arrears: $0  
Total Paid In: $10,509.00
AS OF 4/26/22 (SF) UPDATED

If creditor has no objection, ok to confirm with terms below:


RECOMMEND $7,934 PTD, $1,069 X 48 (BEGIN 5/1/22) 100% PLAN W/ MIN $31,350 TO GUCS
- US BANK WILL BE OUTSIDE PER STAY RELIEF
- REFINANCE WILL BE OUTSIDE PLAN
- CONFIRM WITH TFS EWAGE
- STRIKE IRS PRIORITY CLAIM FROM PLAN
- NEED ORDER TO PAY SUPPLEMENTAL FEES WITHIN 30 DAYS



1. Objection filed by US Bank (Schwalb) - failure to pay arrears of $139,915.46 and speculative refinance

2. Motion for Relief by SN Servicing/US Bank scheduled for 4/27/22 at 9 am (PER ATTY, STAY RELIEF WILL BE GRANTED) PER DEBTOR'S ATTY, MARK CREDITOR OUTSIDER PER STAY RELIEF.

3. IRS is listed in plan as priority creditor but the IRS filed a general unsecured claim which is how the claim will be paid.



MP proposes $1048 x 49 100%, Refinance in 6 months
Plan has run 12 months with 48 months remaining
Arrears: $1102 thru April

Pending Fee App - Doc #77 scheduled for 5/11/22
Matter ResolvedRequest
Adjourment
1544/27/2022 10:00 am21-13023 / MBKAlex A PisarevskiConfirmation Hearing ScheduledContinued
5/25/2022 10:00 am
Debtor has made 6 of 14 required payments   Arrears: $0  
Total Paid In: $19,102.00
NFA

UPDATED 4/26/2022 (DM):

4/20/22 - Cadence Bank Objection filed.

 amended sch B filed but no C. 2 SBA disaster relief loans listed at $250,000 each. When were these taken? Why are they not listed in the plan? Were they served.
 two personal loans given to 2 separate businesses listed as inactive of over $500,000 in December of 2020. Status? Trustee needs a certification regarding these SBA loans and personal loans EDC---OK per AR

*1) PNC Bank (MARTONE UHLMANN) OBJs - objection asserts that the MP intends to reduce, modify or eliminate the secured lien - however PNC is listed in Part 4f as secured unaffected (UNRESOLVED).

*2) MP does not treat Granite State Management & Resources/U.S. Dept. of Ed. as per agreement reached with Trustee (ADD MOTION TO TREAT GRANITE OUTSIDE THE PLAN WITHIN 15 DAYS).

3) IRS filed $16,375.80 estimated priority claim for 2020 taxes - Trustee has a copy of the 2020 tax return, however claim must be withdrawn or amended (AMENDED).

4) MP provides $5,589 priority treatment to State of NJ - no POC filed (LATE POC FILED FOR $5,589 - NEED TO ADD LANGUAGE TO CONF ORDER).

*5) MP provides $10,432.99 secured cram treatment to Cadence Bank - no POC filed (STRIKE OR GET POC FILED).

*6) Wells Fargo filed $118.05 arrears claim (OKAY TO PAY??)

7) Trustee OBJ:
- Excessive Expense: children's education cost of $3,595.37 (UNRESOLVED) and college age daughter support of $200 and 10% tax deduction from unemployment $99.66 (RECEIVED PROOF OF SPECIAL NEEDS AND TUITION - tuition is $42,350 yearly and debtor claims necessary because child diagnosed with xxxx ... this tuition is higher than most college tuition and will need to be briefed if an agreement is not reached with the trustee EDC).
- Form 122c has disposable income $2,994.35. Line 8 failed to add unemployment income.
- Proof of income verifies higher ($12,054) than scheduled ($10,758) resulting in $2,225 in monthly disposable income.
- The Plan needs to run 60 months pursuant to the B22C fo
Matter ResolvedRequest
Adjourment
1554/27/2022 10:00 am21-13695 / MBKStephanie Ritigstein, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 11 of 13 required payments   Arrears: $0  
Total Paid In: $4,400.00
ISSUES AS OF 4/19/2022 (DM):

***TRUSTEE RECOMMENDS CONFIRMATION AT $3,600 PTD, THEN $400 x 49 STARTING 5/1/22, BASE PLAN, DEBTOR SHALL SIGN UP FOR TFS AUTO PAY WITHIN 10 DAYS, TRUSTEE IS AUTHORIZED TO PAY MT. HOLLY SECURED POC (9-1) IN THE OF $1,379.48***

 Debtor to file another MP to surrender both cars - Adj to 4/27/22
 1/25/22 Cert filed (Doc #39) - debtor now on unemployment.
 JJ needs time to review outstanding issues with client - ADJ to 1/26/22 Peremptory (dm)
 Income verifies higher than scheduled and gross income reported on 2020 tax return does not coincide with pay stubs - NEED EXPLANATION.

1) IRS filed $21,031.84 priority claim that includes estimated taxes for 2018 - 2020 (AMENDED TO $0).

2) State of NJ filed $3,358.36 amended priority claim that includes estimated taxes for 2020 (AMENDED TO $0).

3) State of NJ filed an amended unsecured claim that includes estimated taxes for 2017 (AMENDED - OKAY).

4) Nationstar Mtg/Mr. Cooper (LOGS) OBJs - $111,443.63 arrears (LOAN MOD COMPLETE AND LOAN MOD ORDER ENTERED).

5) Mt Holly MUA filed $1,379.48 secured claim not treated in the plan (OKAY TO ADD TO CONF ORDER??)

6) Santander filed $871.30 arrears claim on 2018 Mercedes SLC (MP SURRENDERS)

7) Ally Capital filed $327.38 arrears claim on 2011 Chevy Equinox (MP SURRENDERS)

8) Debtor needs to serve plan motion on PHH Mtg (SEE DOC #36 & DOC #41).

9) Trustee OBJ:
- Need 2020 tax return (RECEIVED).
- Excessive Expenses - Sch J: $800 car payment, $120 cell (UNRESOLVED).
- Income verifies higher ($9,754) than scheduled ($6,878).
- Need to file Pre-Confirmation Certification (FILED).


Prop. Plan $400 x 60, Base Plan
PTD 9/11 = $3,600
Last Claim (13-2)
Matter ResolvedRequest
Adjourment
1564/27/2022 10:00 am21-14058 / MBKEric ClaymanConfirmation Hearing on Modified PlanConfirmedDebtor has made 6 of 13 required payments   Arrears: $605.00  Total Paid In: $4,158.00
4/19 workup for the 4/27 calendar EDC - TFS is set up.sf

***NEED CONFIRMATION THAT TFS/EWAGE HAS BEEN SETUP. If done we can confirm

CONFIRM AT: $2758 paid then $694 x 49 beg 5/1/22 100%(min of $60,736 equity)-student loans outside--remove prohibition language from part 4g of the plan--use trustee standard order of distribution---debtor to sign up for TFS/ewage prior to confirmation



ADJ to 4/27 for MP to pay 100% and student loans outside - atty to terminate wage order and set up TFS eWage by next Hearing (dm)

ADJ to 3/9 Peremptory for debtor to be current with Trustee payment (dm)

AS OF 3/2/2022 (at):

CASE HAS BEEN PENDING SINCE 5/17/2021.

1. Need to resolve estimated claim filed by NJ Division of Taxation. (2020)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2020 prior to confirmation. (RECEIVED)
- Need April and May Wells Fargo checking and savings account statements with
debtor's name on them.
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $1,356 (after deducting social security income).
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,028 when determining disposable income.(AVERAGED/ADDED TO INCOME)
The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $60,736 in non-exempt equity in the residence. Plan can't be zero%.
- 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). (LANGUAGE ADDED)
- Need
Matter ResolvedRequest
Adjourment
1574/27/2022 10:00 am21-14200 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
5/25/2022 10:00 am
Debtor has made 12 of 13 required payments   Arrears: $53.00  Total Paid In: $6,695.00
ISSUES AS OF 4/19/2022 (DM):

***In order to pay the post-petition claim to Fifth Third Bank, THE DEBTOR NEEDS $5,665 PTD, THEN $874 x 49 STARTING 5/1/22, BASE PLAN, CHARLES SWEENEY SHALL BE PAID A $750 ADMIN CLAIM, DEBTOR SHALL SIGN UP FOR TFS AUTO PAY WITHIN 10 DAYS***

 2/10/22 - AR DISCUSSED WITH CAMERON. NO THRESHOLD BUT PAY SWEENEY AS ADMIN.

 Trustee filed Application for Retention of Appraiser - objection deadline expired 1/14/22.

1) Trustee's objection to amended Sch C needs to be resolved prior to confirmation or confirmation needs to be adjourned to 9/8/2021 to coincide with that hearing (OBJ WITHDRAWN).

2) Fifth Third Bank (McCabe) OBJs - claim filed by Fifth Third Bank is for $4,173.43. Is it okay to pay this higher claim? (YES)

3) MP provides $23,219 treatment to Capital One on 2015 Chevy Silverado - no POC filed and service of Plan on creditor not executed (ORDER ON SEPARATE MOTION TO MODIFY POC 5 HAS BEEN ENTERED).

4) Trustee Supplemental OBJ:
- Trustee objects to debtor's valuation of real property. Debtor values real property on Sch A at $340,200. Zillow has a valuation of $476,400 and all of the comparables with sales between 2 & 9 months have values from $375,00 - $485,000. All of debtors comparable sales, with one exception are from 2020 (UPDATED CMA FROM PITTENGER REALTY APPEARS TO HAVE THE INCORRECT SQUARE FOOTAGE FOR DEBTOR'S HOUSE BASED UPON ZILLOW RECORDS AND SOME OF THE COMPARABLES DO NOT LIST THE SQUARE FOOTAGE).

5) Trustee OBJ:
- Need homeowner's insurance renewal declaration (RECEIVED).
- Need a statement for the debtor's 401k loan (RECEIVED).
- Need updated car insurance prior to confirmation hearing (RECEIVED).
- Need a MP that steps up the trustee payment in December 2023 when co-debtor pension loan is paid off (LOAN IS PAID OFF 2/1/26 AFTER BANKRUPTCY ENDS).
- Amendments to Sch G to assume Honda lease (AMENDED).
- Need proof of service on Capital One Auto Finance (MOTION FILED).
- Need to file Pre-Confirmation Certification
Matter ResolvedRequest
Adjourment
1584/27/2022 10:00 am21-14420 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
5/25/2022 10:00 am
Debtor has made 30 of 13 required payments   Arrears: $0  
Total Paid In: $60,548.00
AR RESOLVE OR HOLD
ISSUES AS OF 4/19/2022 (DM): based upon $32,548 lump sum Trustee received in February, the number below has been adjusted to $5,673 x 49 starting 5/1/22.

 2/17/2022 (DM) - All items below have been addressed. To complete the case, the debtor needs plan payments of $5,529 x 51. Atty wants to contact PNC to see if he can work out an agreement to address the $212,258 unsecured claim.

 Per AR, okay to ADJ to 2/23/22. Atty to file a Motion to Disburse sale proceeds - Trustee to receive non-exempt proceeds - plan will remain 100%. Need settlement information with Northeastern Building Supply (EDC REVIEWED MOTION TO APPROVE DISBURSEMENT OF SALE PROCEEDS & CONSENT ORDER WITH NORTHEASTERN BUILDING SUPPLY ENTERED).

 Sales of 8 Wilson & 10 Wilson have taken place and HUDs received - Atty holding proceeds in Trust ($74,317 HELD FROM 8 WILSON SALE & $75,391 FROM 10 WILSON SALE) - Atty is going to file a motion to disburse proceeds and is in contact with attorney representing Northeastern Building Supply regarding late POC - ADJ to 1/12/22.

 10/13/21 - check for sale proceeds to come in - ADJ to 11/23/21 (LATE POC (17-1) FILED ON 10/14/21 AS A SECURED JUDGMENT LIEN ON ANY REAL ESTATE - NEED TO ADDRESS CLAIM - resolved, see below)

1) Northeastern Building Supply filed a late secured POC (17-1) for $57,419.83 that needs to be addressed (JUDGMENT AGAINST BUSINESS & DEBTOR - CONSENT ORDER ENTERED TO REDUCE CLAIM AND PAY OUTSIDE FROM SALE PROCEEDS).

2) Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan with payment of fees outside the plan pursuant to 2/9/22 Disbursement Order.

3) JPMorgan Chase (FEIN) OBJs - $337.16 arrears on Avenue G property (CO ENTERED).

4) JPMorgan Chase (McCalla) OBJs - plan does not propose adequate protection payments on the 8 Wilson Way property pending the proposed sale (CO ENTERED).

5) JPMorgan Chase (McCalla) - $999 arrears on 10 Wilson Way property (CO ENTERED WITH N
Matter ResolvedRequest
Adjourment
1594/27/2022 10:00 am21-16547 / MBKSTEPHANIE SHRETER, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 7 of 10 required payments   Arrears: $3,500.00  Total Paid In: $12,815.00
4/20 workup for the 4/27 calendar EDC

--MP filed
CAN CONFIRM AT: ***$12,815 paid then $1750 x 52 beg 5/1/22 min of $20,087 to unsecured pro rata (equity)



--------------
1. Trustee obj to the following:

The debtor is proposing $25,563 to unsecured but the MP filed failed to deduct filed Rednor Secured claim #5-1 in the amount $5,476.65 from this amount--if not moving against claim the debtor would need to file a MP adding Rednor and reducing amount to unsecured to $20,087

- Based upon the number of previous bankruptcy filings that have resulted in dismissals, the Trustee is recommending the debtor make conduit payments using eWage or TFS auto pay.

2. Twp of Florence filed secured claim, listed in plan as priority, will be paid as secured.

Prop Plan $7,500 PTD; $1,700 x 54 begin 3/1/22; Dollar Base $25,563
Note: Excess expenses moot, amended Sched J filed and some income is SS.
----------------------------------------------------------
Must resolve State of NJ estimated claim, 2020 tax returns not filed. AMENDED
Matter ResolvedRequest
Adjourment
1604/27/2022 10:00 am21-16613 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
5/25/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,400.00
341 on 5/5/22.
2/2 payments.
adj request uploaded.
Matter ResolvedRequest
Adjourment
1614/27/2022 10:00 am21-16938 / MBKANDRE L KYDALA ESQConfirmation Hearing ScheduledConverted to 7 / 11Debtor has made 4 of 10 required payments   Arrears: $0  

4/20/22 (SF) AS OF TODAY CASE IS NOT CONVERTED.

ADJ to 4/27 to file a Notice of Conversion to Ch 7 (dm)
AR RESOLVE OR HOLD
AS OF 3/30/22 (SF)

1. Modified plan filed and part 9 is blank.

2. Trustee objection:
- The debtor has insufficient income disposable income verifies $ -948.50.
- Need current market analysis - with updated comps that are 6 months from filing.
- Need Income contribution affidavit (RECEIVED)
- Must amend Schedules I to add contribution from family.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $6,368 when determining disposable income.
- There may be non-exempt equity on real property pending updated CMA.
- Must file Pre-confirmation certificate.

3. Per order resolving creditor objection, debtor was to obtain loan mod by 1/12/22. (NEED STATUS)

4. Modified plan does not propose to pay mortgage arrears and no longer proposes a loan mod


Plan proposes $500 x 9, $1100 x 51 Base
Payments: 8/8
Matter ResolvedRequest
Adjourment
1624/27/2022 10:00 am21-17025 / MBKDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 9 of 9 required payments   Arrears: $0  
Total Paid In: $2,700.00
conf in court EDC

4/26 workup for the 4/27 calendar EDC

PER STRAFFI OK TO WORKUP AT 100%

If Lakeview LM resolved can workup at $300 x 60 beg 10/1/21 100% (min of $20,000 equity)--LM by 6/30--amended B & C in 30 days

MP filed but now new loan period of 3/1/22 has passed

* Lakeview Loan (ROBERTSON, ANSCHUTZ, SCHNEID, CRANE & PARTNERS) obj to MP- still no loan mod---arrears not paid pending and loan mod. Obj must be resolved.




$300 x 60 Dollar Base $20,000 and Loan Mod on Broad St by 3/1/22

-----------------------
RESOLVED
*Motion to expunge Specialized on for 4/27--* Need clarification for claim #3 filed by Specialized Loan. Property address is not the property listed in plan and debtor and ex-spouse are on the note and mortgage for 198 Carol Drive which is the property listed in this claim. RESOLVED-CREDITOR IS OK WITH ORDER MAKING THIS AN UNSECURED CLAIM
-need clarification that Carol Drive was Foreclosed and not sold
---- Amendments to Schedules A to include 198 Carol Drive Toms River (foreclosed), mortgage claim filed by Specialized Loan Servicing with arrears $55,212.65. Plan crams as 2nd mortgage for Broad St property, but it is 2nd mtg for Carol Dr.
---As of 1/20/22 (DS): 1. First National Bank of Omaha filed secured judgment lien claim#9-1 for $9,609.02, not in plan. Must resolve claim. IN MP

---- Need certification regarding the January 2021 inheritance from the mother's estate including amounts received. CERT PROVIDED, $34,864 TOTAL WITH $9264 TO ORTHODONTIST. ORTHO OK BUT GAVE $24,000 TO DAUGHTERS WITH $1600 REMAINING--T/H SHOULD BE $25,600. UNLESS THE WILL STATED THAT DAUGHTERS GET MONEY IT IS A FRAUDULENT TRANSFER TO DAUGHTERS.---only $11,000 in gucs filed--OK TO COMPROMISE AT $20,000 DUE TO AVAILABLE EXEMPTION


Matter ResolvedRequest
Adjourment
1634/27/2022 10:00 am21-17285 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledContinued
5/25/2022 10:00 am
Debtor has made 3 of 9 required payments   Arrears: $0  

AS OF 4/10/2022 (at):

CASE HAS BEEN PENDING SINCE 9/16/2021. DEBTOR HAS NOT FILED TAX RETURNS SINCE 2015 AND IS 4 MONTHS ($1,974) BEHIND ON TRUSTEE PAYMENTS.

1. Objection filed by the IRS (O'Hagan) - debtor has failed to file tax returns 2016 - 2020. Plan is not confirmable.

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Valuation on al vehicles. (NOT RECEIVED)
- Amendments to Schedules B to add all vehicles with year, make, model and mileage. (NOT AMENDED)
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 estimated non-exempt equity on vehicles, pending amended Schedules B and C and valuations on all. (SCHEDULES NOT AMENDED AND VALUATIONS NOT RECEIVED)
- Must resolve IRS estimated claim (STILL ESTIMATED)
- Need to file Pre-confirmation certificate. (FILED)

Plan proposes: $494 x 60 beginning 10/1/2021, 100% plan
Payments: 3/7, arrears $1,974
Matter ResolvedRequest
Adjourment
1644/27/2022 10:00 am21-17414 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledDeniedDebtor has made 4 of 9 required payments   Arrears: $0  
Total Paid In: $2,402.00
AR RESOLVE OR HOLD
ISSUES AS OF 4/20/2022 (DM):

 3/9/22 - ADJ to 4/27 Peremptory on all issues including updated CMA if debtor so chooses to get one (dm)

1) RLF Mortgage (PLUESE) OBJs - loan matures 10/12/2026 (CONSENT ORDER AMENDS CLAIM TO AN ARREARS CLAIM IN THE AMOUNT OF $7,254.40 WHICH WILL BE PAID THROUGH PLAN. THE PAYOFF AMOUNT IS $28,649.47)

2) The Consent order states last payment shall be made to RLF Mortgage Corporation no later than September 12, 2016 - this appears to be an error. Sent email to debtors counsel.

3) Trustee OBJ:
- Debtor has insufficient income.
- Need CMA with comps from the last 6 months period 3/1/21 thru 8/31/21 (UNRESOLVED).
- Need a MP that pays a dividend to unsecured creditors - minimum dividend to be determined after receipt of updated CMA with proper 6-month comps.
- Loan Mod plan cannot pay 0% to unsecured creditors - must be a Base Plan.
- Need to file Pre Confirmation Certification (UNRESOLVED).
- Need details explaining why a 2012 Honda SUV with 35,000 miles is only worth $3,000 (UNRESOLVED).
- Need Aug & Sept bank statements for Santander acct #8622 (RESOLVED).


Prop. Plan $197 x 60, 0% Plan, Loan Mod after 6 months
PTD 8/7 = $1,576
Last Claim (4-2)
Matter ResolvedRequest
Adjourment
1654/27/2022 10:00 am21-17453 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 9 required payments   Arrears: $1,682.00  Total Paid In: $1,961.00
Atty accepts terms (dm)
ISSUES AS OF 4/19/2022 (DM): Updated 4/27/22

 3/9/22 - ADJ to 4/27 Peremptory to address feasibility (dm)

***To resolve the Trustee disposable income objection, TRUSTEE CAN RECOMMEND CONFIRMATION AT $1,961 PTD, THEN $841 x 41 STARTING 5/1/22, 100% PLAN, STRIKE PRIORITY PLAN TREATMENT TO STATE OF NJ, HYUNDAI CAPITAL POC (3-1) SHALL BE TREATED AS SECURED UNAFFECTED, TRUSTEE SHALL PAY $468.67 PRE-PETITION & $3,280.69 POST-PETITION ARREARS TO AFFINITY FCU AND BIFURCATED SECURE/UNSECURED PORTION OF POC (4-1) SHALL BE TREATED OUTSIDE THE PLAN, OTBS WITH AFFINITY WITHIN 15 DAYS, DEBTOR SHALL SIGN UP FOR TFS AUTO PAY WITHIN 10 DAYS***

DISPOSABLE INCOME VERIFIES HIGHER AT $1,701 BASED UPON DIFFERENCE IN DEBTOR NET INCOME, CALCULATED AS FOLLOWS:
- Debtor-Driver $5,627 net divided by 7 paystubs x 4.33 equals $3,480.70 per month.

1) Plan provides $400 priority treatment to State of NJ - no POC filed (STRIKE?)

2) Hyundai Capital filed POC (3-1) for 2021 Kia Rio not treated in the plan (TREAT AS SECURED UNAFFECTED?)

3) Credit Acceptance (MORTON) OBJs - vehicle undervalued and they want $6,561.70 over 60 months and adequate protection payment of $130/month beginning 10/2021 and proof of insurance (CONSENT ORDER ENTERED).

4) Affinity FCU filed a bifurcated POC (4-1) with arrears in the amount of $468.67 which will be paid pursuant to consent order but need to know how to treat the unsecured portion of the claim in the amount of $7,703.80. (ADD TO CONF ORDER - SECURED/UNSECURED TO BE TREATED OUTSIDE THE PLAN).

5) Aaron's Inc. filed a bifurcated POC (12-1) which is not in the plan. Is it ok to pay this claim? (ORDER ENTERED RECLASSIFYING CLAIM TO GUC).

6) Aaron's Inc. filed a bifurcated POC (13-1) which is not in the plan. Is it ok to pay this claim? (ORDER ENTERED RECLASSIFYING CLAIM TO GUC).

7) Trustee OBJ:
- Excessive Expense on Sch J: $610 telephone/cell phone/satellite/cable.
- Need proof of income - received 3 pay statements that do not add
Matter ResolvedRequest
Adjourment
1664/27/2022 10:00 am21-17872 / MBKNicholas Fitzgerald, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 9 of 8 required payments   Arrears: $0  
Total Paid In: $10,515.00
4/25 workup for the 4/27 calendar EDC

****CONF AT: $8135 paid then $1190 x 54 beg 5/1/22 pro rata with min of $62,000 to guc (equity)-

*to review new B & C but att. needs to file MP that pays non-exempt proceeds-sent email on 4/4 EDC--OK EDC

3/11 workup for the 3/23 calendar EDC

*NOTHING NEW RECEIVED RESOLVING BELOW ISSUES OTHER THAN RESPONSE FOR NEED TO FILE TWO SEPARATE EXEMPTIONS

* new objection to schedule C filed--debtor filed 2 different schedule (one for each), C analysis and attached together as the amended C. This is confusing and needs to be amended again. (CANNOT REVIEW UNTIL WE RECEIVE INFO ON THE CONTRADICTING INFO ON RETIREMENT FUND-SEE BELOW)
*Further, amendment takes $32,000 retirement exemption (522 d 10 (e)) but sched C also says this is a non-retirement mutual fund?? EDC

* MP filed $1151 X 4; $1190 X 56 BEG 11/2021; MIN $62,000

* Are student loans paid outside of the plan? OK to pay in the plan

1) Trustee objection to confirmation - need to resolve
-valuation on 2014 Nissan Sentra has $5,346, NADA and KBB value higher
-need a modified plan that completes Part 8d treatment of post-petition claims
-the debtor has undertaken an improper use of exemption. Specifically, Schedule C takes d(5) exemption for debtor on 2019 Honda Pilot, debt is Co-Debtors and Debtor not on title
-the Schedules fail to account for the debtors tax refund in the amount of $1,459 when determining disposable income-NEED TO AMEND C AGAIN
-the plan provides for payment on unsecured claims of less than that which would be distributed upon Chapter 7- there is non-exempt equity on 2019 Honda Pilot $4,370.64, non-exempt equity on 2019 Honda Accord $356.56 and 2014 Nissan (pending values on all vehicles)


proposed plan $1,151x60 begin 11/1/2021 base plan
paid in $4604
last claim 16
Matter ResolvedRequest
Adjourment
1674/27/2022 10:00 am21-18091 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 8 required payments   Arrears: $49.00  Total Paid In: $2,369.00
ISSUES AS OF 4/19/2022 (DM): Updated 4/27/22

***Received updated Appraisal on 4/21/22. TO CONFIRM, THE TRUSTEE NEEDS $1,740 PTD, THEN $339 x 54 STARTING 5/1/22, BASE PLAN***

 3/9/22 - ADJ to 4/27 Peremptory to address the CMAs (dm)

 Property was purchased in June 2019 for $222,500. First CMA provided by Pittenger Realty provides a recommended price of $201,500 and the second CMA provided by Pittenger Realty provides a recommended price of $221,000. Has the property depreciated in the current market? Zillow has an estimate of $317,500 (dm).

1) Trustee OBJ:
- Need to provide a CMA with comps that are 3 bed and 2 bath from last 6 months --- will look to see if CMA needs to be updated (EDC)
- Proof of 2 months income for Uber and Door Dash income - bank statements show income from 8/24-9/21/2021 - this income is not disclosed on Schedule I (NOTHING PROVIDED TO DATE).
- Excessive Expense: $960 transportation; $450 utilities; $430 cable internet phone - need proof of excessive expenses 10 days prior to confirmation.
- Need to file Pre-Confirmation Certification.


Prop. Plan $290 x 60, 0% Plan
PTD 6/6 = $1,740
Last Claim (29-1)
Matter ResolvedRequest
Adjourment
1684/27/2022 10:00 am21-18298 / MBKRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
8/10/2022 10:00 am
Debtor has made 5 of 8 required payments   Arrears: $600.00  
To make monthly mortgage payments and sell property by 7/29 or prospective and case dismissed EDC

AR RESOLVE OR HOLD
4/21 workup for the 4/27 calendar EDC

1. Objection filed by Emigrant Residential (Pluese Becker) - failure to cure full arrears of $107,102.71 (Per POC -UNRESOLVED)
---also motion to lift stay on for 4/27-no mortgage payments since case filed---needs resolution

2. NJ Motor Vehicle Commission filed a secured claim #1 in the amount of $4,497.35 which is not in the plan. Is it ok to pay this claim?

3. Trustees objection:

- income verified higher than scheduled leaving disposable net income of $906.99
- there is non exempt equity in real estate in the amount of $61,062.20
- Emigrant Residential (Pluese Becker) objection to confirmation - need to resolve, pre-petition arrears $107,102.71

Plan proposes: $200 x 60 beginning 11/1/2021, refinance of Washington Ave w/n 12 month of confirmation, base
Payments: 3/4, arrears $200
Matter ResolvedRequest
Adjourment
1694/27/2022 10:00 am21-18317 / MBKAllen I. Gorski, Esq.Confirmation Hearing ScheduledContinued
7/13/2022 10:00 am
Debtor has made 18 of 8 required payments   Arrears: $0  

debtor to schedule 341 by June with interpreter EDC

Still no 341-case is 6 months old EDC

As of 3/4/22 (DS) Debtor attorney requested adjournment, motion to waive 341 has been rescheduled, due to objection from creditor.

As of 2/28/22 (DS): 341 not held 12/2/21, Debtor had a stroke, motion to waive 341 or have son appear sched 3/9/22. Need outcome.
Matter ResolvedRequest
Adjourment
1704/27/2022 10:00 am21-18500 / MBKRobert Manchel, Esq.Order Vacate Dismissal of CaseContinued
6/8/2022 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $929.00  
AS OF 4/21/22 (SF)

1. Objection filed by Elizon Master Participation Trust I (Fissel) - failure to pay arrears OF $67,497.28 and speculative loan modification

2. The address on proof of claim 10-1 Filed by Elizon Master Participation Trust I is 273 Elmwood Ave, East Orange but the debtor's residence is Bellvue Ave in Trenton. Is there another property?
(MUST RESOLVE)

3. State of NJ filed estimated priority claim 9-1 (NEED AMENDED CLAIM)

4. State of NJ filed secured claim 9-1 for $3758.67 which is not addressed in the plan (OK TO PAY?)

5. Trustee objection:
- Need a copy of the last filed tax return - 2021 on or by 5/31/2022

- There is non exempt equity in debtors business (total value is $2,750 with only $750 exempted). Case should propose a minimum dividend of $2,000 to general unsecured creditors.

- There is non exempt equity in residence of $18,054 (no exemption taken). Case should
propose an additional minimum dividend of $18,054 unless exemptions are taken.

- Robinhood account balance for 2020 was $12,080.59 - amount not provided for 2021 and
no balance was listed on Schedule B or exempted on Schedule C - need 2021 statement showing balance and may need to amend Schedules.

6. Must file pre-confirmation certification.

Plan proposes $929 x 60 Base, Loan Mod in 6 mos
Payments: 5/5

RESOLVED ISSUES:
- A copy of the homeowner's insurance renewal declaration - for Bellevue Avenue showing personal liability coverage (RECEIVED)
Matter ResolvedRequest
Adjourment
1714/27/2022 10:00 am21-18531 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0  

AS of 4/20/22(mk):


1. OBJECTION BY IRS & IRS Filed Estimated Claim. for priority (No return for 2018) & GUC. (no returns filed for 2015-17).

2. ST. OF NJ ESTIMATED POC$1,781.89 Priority No retrun for 2018

3. Trustee Objection:
-debtor has failed to file a feasible plan
-need a statement for the HBAN Hundy stock account.
-needs Modified Plan that addresses IRS claim.
-needs Amendments to Schedules B to list the Wells Fargo bank accounts.
-There is $95,332.71 in non exempt equity in the residence (100%
Plan).
-There is $43,490 in non exempt equity in the Wells Fargo bank
accounts (100% Plan).
-Verified income leaves monthly disposable income of $744 (100% Plan).
- must file pre conf cert.
------------------------
Objection by CSMC 2018 RRL3 Trust(KML)
-plan fails to pay arrears.Resolved- pay POC



Plan: $650 X 57 BEG 12/2021; 100%
5/5 payment
last claim :4-2, bar date:1/12/22
Matter ResolvedRequest
Adjourment
1724/27/2022 10:00 am21-18677 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 7 of 7 required payments   Arrears: $0  


mp wi 21 days
AS OF 04/22/22 (SF)

1. Nationstar Mortgage filed arrears claim 3-1 for $33,751.31 which is much higher than the proposed amount of $16,630.01. The plan is not feasible. Debtor proposes $200 for the 1st 12 months and is not current with payments.

2. Trustee objection:
- The debtor has insufficient income . Verified income leaves monthly disposable income
of -$391.00..


Plan proposes $200 x 12, $380 x 48 0%
Payments: 3/4 Arrears: $200

RESOLVED:
- Need a copy of the homeowner's insurance renewal declaration - need declaration page for
policy, was not provided (RECEIVED)
- need Santander statements for September and October 2021 (RECEIVED)
- The debtor has failed to provide proof of service with respect to Plan Motion (s). Need proof of service on Primrose Lane and Synchrony Bank for motions to avoid liens. (FILED)

Matter ResolvedRequest
Adjourment
1734/27/2022 10:00 am21-18694 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 2 of 7 required payments   Arrears: $0  

4/26/22 - PER ATTY OK TO DISMISS/HOLD FEES

ISSUES AS OF 4/19/2022 (DM):

***No MP filed by 3/25/22 deadline, and debtor has only made 2 of 5 payments - RECOMMEND DISMISSAL***

 3/9/22 - ADJ TO 4/27 - MP TO BE FILED BY 3/25 & DEBTOR TO SIGN UP FOR eWAGE (DM)

1) The attorney's fees in the plan ($3,610) and the disclosure statement ($4,750) do not agree. One of these must be amended. (NEITHER AMENDED)

2) Plan provides $5,264.50 secured treatment to Burnt Tavern - no POC filed (STRIKE??)

3) Trustee OBJ:
- Need Affinity FCU statements for Sept & Oct 2021 (RECEIVED).
- Need amended Sch B to add Affinity FCU (BALANCE IS $10.88).
- There is $1,108 non-exempt equity of Atlantic City timeshare - need valuation.
- Need valuation of timeshare (STILL NEED A VALUATION).
- The mortgage proof of claim shows a value of $120,000 the CMA relied on is dated 6/20/2020. The CMA provided by the debtor shows value of $186,500. With this value, the entire claim would be secured $156,995.40 - please review and advise.

Prop. Plan $1,296 x 60, not less than $1,214 to unsecured creditors
PTD 2/5 = $2,592
Last Claim (14-1)
Matter ResolvedRequest
Adjourment
1744/27/2022 10:00 am21-18784 / MBKPRO SEConfirmation Hearing ScheduledContinued
5/25/2022 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $200.00  
AS OF 4/22/22 (SF) - MP JUST FILED AND SCHEDULED FOR 5/25/22( SALE PLAN )


AR WILL BE SALE PLAN AND ATTY WILL REACH OUT TO OBJECTOR TO RESOLVE ABD RESOLVE NJ

1. Objection filed by Pratibha Garewal (Donald Campbell) - Creditor's claim is a total debt claim. Although debtor proposes a Refinance, Debtor is not making post-petition payments and debtor has no regular income other than support from daughter and funds from interest and dividends which makes the plan infeasible. Debtor's plan does not provide for adequate protection payments.

2. Trustee objection:
- The debtor has failed to file a feasible plan - unless it is a sale plan. No proof of debtor 's ability to Refinance.
- A copy of the homeowner's insurance renewal declaration - show personal liability coverage, policies provided fail to show this coverage
-CMA value is $1,695,550 and it is listed for sale for $1,700,000
-there are multiple child support obligations listed on Schedule E without setting forth the amounts due on these claims (ALSO NEED DSO INFORMAITON SHEETS)
-plan treats mortgage held by Pratibha Garewal as both cure of $0 and unaffected by plan. (MODIFIED PLAN STILL TREATS CREDITOR THE SAME WAY)
-need certification for special counsel, atty Joshua Thomas as to why the retainer agreement with the debtor lists debtor's residence as 5 Hollow Brook Rd, Morris County NJ.
- NEED PROOF OF DEBTOR'S ID AND SOCIAL SECURITY NUMBER.
-plan proposes increasing plan payments to $900 for the last 48 months of the plan - disposable income is only $140 how is this tier feasible ?


Plan proposes $200 x 12, $900 x 48 100%, Sale by 8/30/22
Payments: 4/5 Arrears: $200

RESOLVED ISSUES:
-must file pre conf cert. (FILED)
-State of NJ filed estimated priority claim 2-1 (NEED AMENDED CLAIM). Claim is not addressed in plan (AMENDED)

Matter ResolvedRequest
Adjourment
1754/27/2022 10:00 am21-18806 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 7 required payments   Arrears: $0  
Total Paid In: $3,497.00
ISSUES AS OF 4/21/2022 (DM): Updated 4/26/22

***Certification of Debtor asserts she no longer has a vehicle and that her husband does not support her in anyway financially. Therefore, Trustee will adjust expense on Schedule J by eliminating the $277 vehicle insurance expense and eliminating the $1,500 mortgage expense since debtor is not on the mortgage. Disposable income is now $2,000 per month - need a plan base of $57,600. TRUSTEE WILL RECOMMEND CONFIRMATION AT $1,455 PTD, THEN $1,021 x 55 STARTING 5/1/22, BASE PLAN WITH $4,662 THRESHOLD PRESERVED, TRUSTEE STANDARD ORDER OF DISTRIBUTION***

1) Certification in response to Trustee objection:
- Debtor states that she does not have a car, however Sch J has an expense of $277 for car insurance - why?
- Debtor also states she does not receive support from husband. Debtor should remove mortgage expense from Sch J since mortgage statement only has non-debtor spouse name.
- Sch J shows a mortgage payment of $1,500, however there are no deductions in the bank statement for this amount. Per the mortgage statement provided the regular monthly loan payment is $2,978.05 - need an explanation.
- There are expenses on bank statement not reflected on Sch J - specifically $566.56 to Firstmark/Nelnet and Citizens loan payment $336.66. The Trustee needs an explanation of these expenses.

2) Trustee OBJ:
- Need proof of 2 months income for non-filing spouse (UNRESOLVED).
- Need 2020 tax return for non-filing spouse (UNRESOLVED).
- Need Oct & Nov bank statements for non-filing spouse (UNRESOLVED).
- Submit amended Sch I&J for husband with proof of income and tax return (UNRESOLVED).
- Need amended Sch I to include spouse's income (UNRESOLVED).
- Need amended Sch J to correct mortgage payment which is $2,978 (DEBTOR NOT ON THE MORTGAGE).
- Need pension loan statement showing when the loan was taken out (RECEIVED - STATEMENT DOES NOT SPECIFY DATE LOAN WAS TAKEN, ONLY THAT THE DEDUCTIONS BEGAN 3/27/2021).
- Need a MP that steps up Tr
Matter ResolvedRequest
Adjourment
1764/27/2022 10:00 am21-18824 / MBKJohn F. Bracaglia, Jr., Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 1 of 4 required payments   Arrears: $0  
Total Paid In: $36,800.00
MP filed & On for 5/25/22- This plan should be Denied or W/D- email to atty9PER ATTY MARK AS W/D


As of 4/16/22(mk):

>>bar date is 4/20- will review again then.

>what did debtor do with proceeds $248,750 from sale of St. George 12/8/21 (is this the pizzeria ?)and proceeds of $89,145 from Meadow brook Drive in 12/2019

1. Trustee Objection:
-needs a MP for min 36 mos
-attorney's fees in the plan ($0) and the
disclosure statement ($2,000) do not
agree. One of these must be amended.
-Need all of the documentation from the
sale of brothers Pizzeria, including
agreement that debtor would receive 25%
of the sale and closing statement.
-There is non exempt equity in the debtor's
inheritance of brother's property. The
amount cannot be determined until the
trustee receives all information on the sale
of the brothers Pizzeria. (AGREEMENT PROVIDED & COPY OF A CHECK dated 12/8/21 for $248,750 MADE OUT TO DEBTRO, JERRY )
- Debtors' have insufficient income(-3,044)
-order of distribution contrary to Tr standard
Order
need pre con cert.

Provide closing statement on the 57 Meadowbrook Dr. Hillsborough property.
3/11/22 - copy of closing statement provided for sale of RE 57 Meadowbrook Drive. 12/12/19. Debtors rec'd 89,145.58
---------------------------

Plan:$100 X 5; PROCEEDS FROM SALE OF DEBTOR BROTHER PROPERTY who died in Jan. 2022 BASE
-payments:2/2
-last claim:7-1 bar date 4/20/22
Matter ResolvedRequest
Adjourment
1774/27/2022 10:00 am21-19016 / MBKDANIEL L. REINGANUMConfirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 7 required payments   Arrears: $0  
Total Paid In: $6,334.00
Denied, new plan in 14 days that pays $1966 disposable income into plan and cures mortgage arrears now that LM denied--any new I & J, 2021 taxes POI to trustee EDC

loan modification--p4/22 workup for the 4/27 calendar EDC

*Loss mit terminated as of 4/19

1) JP Morgan Chase Bank(Powers Kirn) objection to confirmation - need to resolve
-pre petition arrears $72,855.27
2) Trustee objection to confirmation - need to resolve
-A Modified Plan that addresses secured claim filed by Twp of Hamilton NOT FILED TO DATE
- Verified income leaves monthly disposable income of $1,966.
-The Schedules fail to account for the debtor (s) tax refund in the amount of $8,223 when determining disposable income
-Based upon the number of previous bankruptcy filings that have resulted in dismissals, the Trustee is requesting conduit mortgage payments

proposed plan $700x36 begin 12/1/2021 base plan with loan mod by 5/1/2022
paid in $2,090
arrears $10
last claim 4-1

Matter ResolvedRequest
Adjourment
1784/27/2022 10:00 am21-19113 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $1,397.00  
ISSUES AS OF 4/21/2022 (DM):

1) Elena Taller filed a late $2,208.34 arrears claim (OKAY TO PAY LATE ARREARS CLAIM?? - Yes)

2) Plan proposes $20,815.21 pay in full treatment to Toyota Motor Credit for 2018 Toyota RAV4 - secured POC (17-1) filed for $21,933.27 (OKAY TO PAY PER POC?? - Yes)

3) Plan provides $2,858.34 secured treatment to Evolve Bank and Trust - no POC filed (STRIKE?? - Yes)

4) Plan provides $10,100 secured treatment to Township of Hopewell - no POC filed (STRIKE?? - Yes)

5) Trustee OBJ:
- Debtor has insufficient income.
- Need Jan & Feb paystubs from Hopewell Valley job (RECEIVED).
- Debtor failed to provide proof of service with respect to plan motions (FILED).
- Need to file Pre-Confirmation Certification (FILED).
- There is non-exempt equity in the PNC Bank acct of $2,915.
- There is non-exempt equity in real estate pending updated CMA and comps.

- CMA provided has comps that are not in comparison to Debtor's property. Debtor's property is 3 bedrooms, 3 bathrooms. Zillow estimates the properties similar to Debtors is $522,800 with lowest $476,000-$575,000 - need updated CMA with comps attached that are similar to debtor's residence - latest CMA comps do not equal the debtor's property - less bedrooms/bathrooms, smaller size homes.

- Trustee requests clarification on mortgage. The Certification from E.M. Taller age 72 states that she receives $1,104.17 monthly beginning 2/2/2016 and will continue until 2/2/2041 at 6% interest. Sch D has full mortgage owed $250,000, Trustee calculated $254,571.25 owed, which monthly payment $1,104.17 is $1,037.92 going towards mortgage. Total payments made should be $71,616. $254,571.25-$71,616.48 = $182,955. That is the amount of the mortgage balance that the Trustee has calculated. Statement from personal mortgage states $238,582.88, which means Debtors only made total payments $11,417.12, which does not calculate 69 payments from 2016 to filing.


Prop. Plan $1,316.13 x 60, Base
PTD 5/5 = $6,580.39
Last
Matter ResolvedRequest
Adjourment
1794/27/2022 10:00 am21-19367 / MBKANDRE L KYDALA ESQConfirmation Hearing ScheduledConfirmedDebtor has made 116 of 6 required payments   Arrears: $750.00  Total Paid In: $86,750.00
ISSUES AS OF 4/21/2022 (DM): Updated 4/26/22

***TRUSTEE TO RECOMMEND CONFIRMATION AT $86,000 PTD, THEN $750 x 8 STARTING 5/1/22, THEN $2,000 x 12 STARTING 1/1/23, THEN $3,000 x 12 STARTING 1/1/24, THEN $4,000 x 12 STARTING 1/1/25, THEN $6,000 x 12 STARTING 1/1/26, PLUS LUMP SUM PAYMENTS OF $24,275 in January 2023, $34,275 in January 2024, $34,275 in January 2025, $34,275 in January 2026, and $66,266 in November 2026, 100% PLAN, REGULAR MONTHLY PAYMENTS SHAL BE MADE BY TFS eWage AND LUMP SUM PAYMENTS SHALL BE MADE BY TFS Billpay***

 4/13/22 - ADJ to 4/27 for AR to review Doc #21 and work-up case (dm)

1) Investors Bank (HILL) OBJs - failure to cure full arrears of $418,829.53 per POC and repeat filings to stay sheriff's sales (OBJ WITHDRAWN).

2) Trustee OBJ:
- Need CMA - Zillow document is dated 2/15/19. Recent value with Zillow has $1,680,200. (100% PLAN - NO UNSECURED CLAIMS AND BAR DATE WAS 2/14/22).
- Need proof of income for photography part-time employment for Dec & Jan 2022 (UNRESOLVED).
- Need amended schedules to take an exemption on real estate (UNRESOLVED).
- Excessive Expense: homeowner insurance $300 (verifies $291) and again listed for $300 on Line #15d, home maintenance $300, electricity/heat/gas $850, water/sewer/garbage $250, tel/cell/internet/cable $800, storage $700, children 's education $1,700, transportation
$2,000 and auto insurance $350.
- There is $329,071 estimated non-exempt equity in real estate, but no exemptions were
taken and no claims filed (CLAIM FILED. NON-EXEMPT EQUITY IN RESIDENCE IS $256,112).
- Must file Pre-Confirmation Certificate (UNRESOLVED).


Prop. MP $750 x 12 start 1/1/22, $2,000 x 12 start 1/1/23, $3,000 x 12 start 1/1/24,
$4,000 x 12 start 1/1/25, then $6,000 x 12 start 1/1/26,
- Lump sum payments of $83,000 by 1/1/22, $20,000 by 1/1/23, $30,000 by 1/1/25, $30,000 by 1/1/26, $30,000 by 11/1/26 and $62,000 by ????, Base Plan
PTD 4/4 = $86,000
Last Claim (1-1)
Matter ResolvedRequest
Adjourment
1804/27/2022 10:00 am21-19382 / MBKCarrie J. Boyle Confirmation Hearing ScheduledWithdrawnDebtor has made 4 of 6 required payments   Arrears: $0  

AS OF 04/20/22 (SF) - MP filed and scheduled for 5/25/22. Current plan is withdrawn.

1. State of NJ filed estimated unsecured claim 38-1 (NEED AMENDED CLAIM)

2. Aaron's LLC filed bifurcated claim for $1000 secured and $537.18 unsecured. Creditor is not addressed in plan (HOW SHOULD CLAIM BE PAID?)

3. Trustee objection:
- A Modified Plan that steps up trustee payment in April, 2022 when pension loan expires

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$972.81/month for cable/internet/phone/cell phones/apps. Need proof of expenses within
10 days of confirmation hearing. (REDUCED THIS EXPENSE BY $472)

- Verified income leaves monthly disposable income of $2,401.51. Debtor's income verified higher ($7,640.00) than scheduled ($6,941.80).

- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,800.00 when determining disposable income.

- The debtor has failed to provide proof of service with respect to Plan Motion (s). Need proof of service on Flagship Credit Acceptance. (NO SERVICE, STRIKE CRAM AND PAY CLAIM AS FILED $16,000 SECURED AND $9373.02 UNSECURED)

- Need to file Pre-Confirmation Certification. (STILL NEED)

- Debtors' attorney must file a fee application within 7 days of confirmation.

- Need an order to make adequate protection payments to Flagship Credit Acceptance. (STILL NEED)


Plan proposes $1500 x 3, $2000 x 57 Base, Student loans to be paid outside plan
Payments: 3/4 Arrears: $2000

RESOLVED:
- Need to resolve estimated unsecured claim 26-1 filed by the IRS. (AMENDED)
- Need a statement for the Robinhood/Stash accounts. (RECEIVED)
- Need to resolve estimated unsecured claim 26-1 filed by the IRS. (AMENDED)
- Need November and December bank statements for Capital One accounts 9837 and 3604. (RECEIVED)
- Need November and December bank statements for Credit Union of NJ accounts 4220 -3
and 4220-0. (RECEIVED)
Matter ResolvedRequest
Adjourment
1814/27/2022 10:00 am21-19475 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledDeniedDebtor has made 5 of 6 required payments   Arrears: $2,710.00  
MP filed - received $1,810 ePay receipt that cleared.

4/13/22 - MBK ADJ TO 4/27 FOR MP AND AT LEAST 1 MORE PAYMENT

As of 4/6/22 (DS): 1. Debtor in arrears $3,620, made 2 out of 4 payments, last payment $510 on 3/14/22.

2. No mod plan filed, per previous hearing to be filed by 2/25/22.

3. US Dept of HUD filed mortgage claim, not in plan or Schedule D.

4. BELOW ISSUES REMAIN UNRESOLVED.

MP to be filed by 2/25 - ADJ to 4/13/22

2/9/22 (DS): 1. Trustee obj to the following:
- Amendment to Sched B to correct the value of the Chevy Malibu.
- 22c takes excessive expenses on Line 30 of $44 for additional food/clothing expenses. Line 45 disposable income has $1,170.13, thus there would be adjusted disposable income of $1,214.13 and would require $72,848 to gucs.
- Excessive expenses on Sched J for Food $860 and Transportation $574.
- 22c has disposable income of $1,170.13, add the excessive expense on Line 30, there would be $1,214.13 as adjusted and would require minimum dividend $72,848 to gucs.
- Income verifies higher, also due to excessive expenses there would be disposable income of $2,319.
- Must file Pre-confirmation certificate.

2. Credit Acceptance (MORTON) obj to 910 claim (2016 Chevy was purchased by Debtor 7/6/19), plan does not pay adequate protection payments and proof of insurance. OBJ MUST BE RESOLVED. (OTBS - WILL GET US NUMBERS)

3. Wilmington Savings (HILL WALLACK) obj arrears more, POC filed arrears $48,000.62, not $33,920.96. Obj must be resolved. (OTBS TO PAY)

Prop Plan $1,810 x 60 begin 1/1/22; Base
Note: Service to Credit Acceptance done.
Matter ResolvedRequest
Adjourment
1824/27/2022 10:00 am21-19484 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

AS OF 4/22/2022 (at):

1. Objection filed by City of Trenton (Goldenberg, Mackler) - failure to cure full arrears of $57,530.17. (UNRESOLVED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - updated pay stubs showing DSO deduction. (NOT RECEIVED)
- Domestic Support Obligation information ($1,396/month per schedule J) (RECEIVED - $349/WEEK)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $230/month for personal care/haircuts
- $45/month for exterminator
Need proof of excessive expenses at least 10 days prior to confirmation.
The Plan fails to provide for a prompt loan modification completion date.
- Need to file Pre-Confirmation Certification. (FILED)
- Need to resolve objection by City of Trenton. (UNRESOLVED)


Modified Plan before confirmation proposes: $1,356.77 x 60 beginning 1/1/2022, loan modification by March, 2018, base
Payments: 3/4, arrears $1,356.08

(Plan modified to remove partial payment of mortgage arrears to Kajaine Fund. No payments to be made to mortgage company pending outcome of loan modification.
Plan modified to include arrears to City of Trenton as per POC.)
Matter ResolvedRequest
Adjourment
1834/27/2022 10:00 am21-19546 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 6 required payments   Arrears: $338.00  Total Paid In: $1,369.00
AR RESOLVE OR HOLD - Atty ok with terms
4/20 Workup for the 4/17 calendar EDC

---As of 3/16/22 Debtor attorney requested adjournment to file mod plan to decrease months of plan and claims not filed by secured creditors.---ATTORNEY NEVER FILED MP AS PROMISED. NEED TO USE TERMS BELOW OR DISMISS

****(DS): RECOMMEND CONFIRMATION at $1027 paid, $340 x 56 begin 5/1/22; Base
- Section 4a to be stricken and not paid as to FCI Lenders and Hamilton Sewer, due to no claims filed and bar date has passed 2/22/22.


1. No claims filed by FCI Lenders and Hamilton Sewer, bar date has passed 2/22/22. Recommend these creditors be stricken or claim be filed. If late claim to be filed, must file Motion to allow Trustee to pay late filed claims.

-----------------------------------
As of 2/2/22 Debtor atty requested adjournment, to pass bar date and allow claims to be filed.

2/9/22 (DS): 1. No payment made for January, arrears would be $680, made 0 out of 2 payments by Feb. Please advise when payments are made. Proof of money order $342 mailed to Trustee 2/1/22. Debtor paid $687 as of 3/14/22, arrears $333.

Prop Plan $340 x 60 begin 1/1/22, Base
Note: Updated homeowner insurance provided.
Matter ResolvedRequest
Adjourment
1844/27/2022 10:00 am21-19578 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

AS OF 4/20/2022 (at):

1. Objection filed by Wilmington Savings (Stern & Eisenberg) - 2nd mortgage company is objecting to the strip off claiming that the property is worth approximately $270,300 and 1st mortgage claim is only $180,192.45. (UNRESOLVED-getting appraisal as of 4/27)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - with comparables for a 4 bed and 2 bath home sold within the last 6 months. (NOT RECEIVED)
- Proof of 2 month's income - for debtor by 6/30/2022. (currently unemployed) (LANGUAGE ADDED)
- Need November and December bank statements for Santander savings account #4733. (RECEIVED)
- A copy of the deed (RECEIVED - PROPERTY IS OWNED JOINTLY BY BOTH DEBTORS)
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 $773.
The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service for strip off of third mortgage. (CERT OF SERVICE FILED)
- Need to file Pre-Confirmation Certification. (NOT FILED)

Plan proposes: $600 x 60 beginning 1/1/2022, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
1854/27/2022 10:00 am21-19601 / MBKDonald C. Goins, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 6 required payments   Arrears: $731.00  Total Paid In: $7,336.00
Atty accepted terms just after we completed Court on 4/13/22 (dm)
ATTY DID NOT APPEAR - ADJ TO 4/27/22 TO SEE IF TERMS BELOW ACCEPTED

4/5 workup for the 4/13 calendar EDC

***TO CONFIRM THE PLAN NEEDS:

$3963 PAID THEN $2052 X 56 beginning 5/1/22 pro rata--file Pre Confirmation Certification with Court in 10 days--Trustee will not pay Zhang claim unless timely claim is filed



* Trustee objection to confirmation - RESOLVED

* Lillian Zhang has not filed claim for tax certificate - bar date has passed - trustee will not pay unless claim filed.
* Still need to file Pre Confirmation Certification with Court

proposed plan $1,321x60
paid in $2,642
last claim 1
---------------------
resolved:
---need a copy of the last filed tax return for 2021 by 5/1/2022 OK NO GUCS
-the debtor is not paying all disposable income into the plan - income verified a $7,013.95 leaving disposable income of $2,235.61 OK NO GUCS
-the debtor is not paying all disposable income into the plan - income verified a $7,013.95 leaving disposable income of $2,235.61 OK NO GUCS
---the Schedules fail to account for the debtors tax refund in the amount of $1,271 when determining disposable income OK NO GUCS
) UMB Bank (Pluese Becker) objection to confirmation - CONSENT ORDER
-pre petition arrears $106,965.95
Matter ResolvedRequest
Adjourment
1864/27/2022 10:00 am21-19610 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $0  
Total Paid In: $1,526.00
AS of 4/20/22(mk):

Mk: motion to modify 2nd mtg filed & on 5/25/22

>>THERE ARE 2 MORTGAGES ON THE PROPERTY- ARE YOU PROPOSING A lm FOR BOTH OF THOSE?

1. Objection by US Bank(Frenkel)
-fails to cure arrears

2. Trustee Objection:
-Plan is not feasible w/o LM on both
properties. No proof of status of any LM.
-Plan fails to treat 2nd mtg- Wilmington
-Debtor has insufficient income
-Need a statement for the whole life
insurance policy showing cash surrender
value.
-----------------
-Need bank statements for November and
December for Wells Fargo account #9954.(Provided)


Plan:$305.27 X 60; LM BY 6/2022; BASE
4/4payments
last claim:3-1, bar date:2/23/22
Matter ResolvedRequest
Adjourment
1874/27/2022 10:00 am21-19654 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
7/27/2022 10:00 am
Debtor has made 3 of 6 required payments   Arrears: $1,500.00  
AS OF 4/25/2022 (at):

1. Objection filed by Wells Fargo Bank (Brock & Scott) - Creditor holds a security interest in 212 Orion Way Lake Ariel, PA property but is not listed in the plan.-needs to add

2. Objection filed by Michael Giordano (Lex Nova Law) - Claim #14 filed for Giordano is in the amount of $2,724,005 which puts the debtor above the debt limit for a Chapter 13 bankruptcy. Plan is not feasible as debtor has insufficient income to qualify for a refinance.

3. Adversary Proceeding filed by Michael Giordano. Complaint objecting to dischargeability of debt was filed on 3/11/2022. Need outcome of the AP.

4. Trustee's objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of $1,345.33.
The debtor has failed to file a feasible plan - - Plan proposes 100% and guc 's total
$2,904,384.10.
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - with comps sold within 6 months of filing. Market value
appears much higher than value by Debtor
Amendments to Schedules A and C to add Orien Way property.
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $137,309.00 in non exempt equity in the Belmar property.
- The amount of debt in the debtor(s) Plan exceeds the statutory limit for secured or
unsecured debt pursuant to 11 U.S.C. ? 109(e). Unsecured claims filed total $2,904,384.10. (bar date has passed )
- Need to resolve objection by Wells Fargo Bank.
- Need to resolve objection by Michael Giordano.
- Need outcome of adversary proceeding filed by Michael Giordan.
- P&L for Liberty Mortgage has $68,570 for office expenses (Needs Explanation)
P&L for 110 5th ave for 6/2021 - 11/2021 has $6,000 for supplies and $5,064 for office expenses and $3,588 for electric and $3,000 for accounting. (Requires proof)
- need information/documentation as to
Matter ResolvedRequest
Adjourment
1884/27/2022 10:00 am21-19833 / MBKAllen I. Gorski, Esq.Confirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

NEED TO ADJ TO 6/22/22 FOR EVIDENTIARY HEARING TO BE CONDUCTED BY MBK
Matter ResolvedRequest
Adjourment
1894/27/2022 10:00 am22-10017 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 5 of 5 required payments   Arrears: $0  

4/21/22(mk): Per Atty - ok to Deny this plan


4/16/22(mk):MP to sell prop. (#34) filed & on for 5/25/22. see note below

ADJ to 4/27 (DO NOT RE-WORK THIS CASE YET) - MP filed 4/12/22 does not have a service box checked - Atty to work on consent order with Michael Dupont regarding Sheriff's Sale & debtor's request to sell property (dm)

As of 4/5/22(mk):

1. Objection by First Fin Fed Credit Union:(Dupont)
-Bad faith, 5 filings on ly to delay foreclosure.
>>NO POC WAS FILEDBY THIS CREDITOR & BAR DATE HAS PASSED<

2. Loss mit order entered 3/11/22 - so deadline 6/9/22- Order has an * entry of order will not preclude an entry of order granting stay relief upon the filing of a motion, on notice.

3. IRS Estimated Priority POC(no 2021 return)

4. Trustee Objection:
-need 2021 tax return.
-need Business forms - missing pages 2 and
3 of Business questionnaire.
- P&L issues:
- Internet/tele $100 and $150 monthly; Sch J
lists $334. - Auto insurance $198 monthly;
Sch J also list for $250, auto insurance for
both vehicles verifies $155 monthly. Double
dipping?
-estimated non-exempt equity on real
property $63,339 (no claim filed) yet.
-must file pre conf cert
-----------------------
-excessive expenses: 1. Food $1,500,
Clothing $259, Auto insurance $250 (verifies
$155) and two car payments $359 and
$260. 100% PLAN- bar date passed only $786.26 in guc claims


Plan:$1,000 x 36 begin 1/1/22; 100% and Loan mod on Adelphi Rd 6 months after conf
2/3 payments
bar date:3/14/22


Matter ResolvedRequest
Adjourment
1904/27/2022 10:00 am22-10049 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $334.00  Total Paid In: $4,809.00
updated 4/25/2022 (JMA)

ok to confirm at $2,685 paid to date, $1,229x57 begin 5/1/2022 base plan
-Consent Order to be filed to resolve creditor objection to confirmation, arrears are to be paid through the plan in the amount of $61,685.19
-Follow the Trustee standard order of distribution
-File the Pre Confirmation Certification with the Court within 10 days of the confirmation hearing

issues as of 4/22/2022 (JMA)

1) Wilmington Savings Fund Society (Pluese Becker) objection to confirmation - COTBS, pay arrears through plan
-arrears $61,685.19
2) Trustee objection to confirmation - need to resolve
-A copy of the last filed tax return - Need 2021 tax return by 5/31/2022. (or cert of non filing) RESOLVED, PROVIDED CERTIFICATION OF NON FILING
-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). - ADD NOTE TO CONFIRMATION TERMS TO FOLLOW TRUSTEE STANDARD ORDER OF DISTIRUBTION
-Need to file Pre-Confirmation Certification - ADD NOTE TO CONFIRMATION TERMS TO FILE WITHIN 10 DAYS OF CONFIRMATION
3) Debtors attorney provided an amended Affidavit of Contribution increasing contribution to $3,750. Schedule I needs to be amended RESOLVED, AMENDED SCHEDULE I FILED

proposed plan $895x60 base plan
paid in $2685
last claim 2
Matter ResolvedRequest
Adjourment
1914/27/2022 10:00 am22-10147 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 04/20//22 (SF)


1. Attorney must request adjournment of confirmation hearing
2. 341 not held - Rescheduled to 05/5/22
3. Payments: 3/3
Matter ResolvedRequest
Adjourment
1924/27/2022 10:00 am22-10205 / MBKWARREN LEVY, ESQ.Confirmation Hearing on Modified PlanContinued
6/8/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $3,058.00
issues as of 4/22/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income. Verified income leaves monthly disposable income of $356.95
-a copy of the last filed tax return for 2021 by 5/31/2022
-need a statement for the non filing spouse 401k loan
-need proof of insurance for the 2002 BMW and the 2007 Dodge RESOLVED, PROVIDED
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is $16,429 in non exempt equity in the residence and $5,222 in non exempt in the 2007 Dodge
-need to file Pre Confirmation Certification RESOLVED, FILED
-Certification regarding acquisition of residence jointly with father CERT PROVIDED NEEDED CO SIGNER FOR CREDIT PURPOSES
2) SN Servicing Corporation/US Bank (Friedman Vartolo) objection to confirmation - need to resolve
-pre petition arrears $27,881.71
3) Amended Schedules I&J - need to provide updated proof of income to support lower income now reported. With the lower schedule J amount and the verified income there is disposable income of $1,141.95

proposed plan $5251x60 100%
paid in $1,753.02
last claim 3
Matter ResolvedRequest
Adjourment
1934/27/2022 10:00 am22-10298 / MBKDavid G. Beslow, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $0  
Total Paid In: $800.00
AS OF 4/20/2022 (at):

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

2. The IRS filed an estimated claim #2 which needs to be amended. (NO LONGER 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 - 2021 by 5/30/22. (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):
- Funadvantage Trust Mutual Fund Account has non exempt equity $1,719.46 (LANGUAGE ADDED)
-TD Bank statements provided show transfer to checking acct ending #0535, statements for that account have not been provided. Need 2 months of statements from this account. SOFA lists 4 accounts with Capital One Bank, need to provide 2 months of statements for all 4 accounts (RECEIVED)
-NY Life whole life insurance policy #437 cash value $3,165.09; NY Life whole life insurance policy #441 cash value $2,187.32, SOFA shows lower amount for each and sch C has minimal values. Need current statements for these policies as of December 2021. (NOT RECEIVED)
- Needs amended schedule C. (NOT AMENDED)
- need a certification form Debtor as to the separation of income and expenses with her and spouse. (RECEIVED)
- must file pre conf cert (FILED)
- Order of distribution is Per Plan. (LANGUAGE ADDED)

Plan proposes: $200 x 36 beginning 2/1/2022, not less than $1,739.46 to unsecured creditors
Payments: 2/3, arrears $200
Matter ResolvedRequest
Adjourment
1944/27/2022 10:00 am22-10299 / MBKDavid G. Beslow, Esq.Confirmation Hearing ScheduledContinued
5/25/2022 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $500.00  
As of 4/20/22(mk)

1. Objection by SN Servicing (Friedman)
-plan not feasible

2.Trustee Objection:
-profit and loss statement includes expenses for auto repairs totaling $1,500. There is also auto expense of $450/month on transportation. These expenses should be deemed excessive unless the debtor can provide additional evidence regarding these expenses. The expenses should also be removed from the P &L as they are provided for
on Schedule J.
- The profit and loss statement also includes salary draw which is not disclosed on Schedule I as income. With only 2 months of profit and loss statements provided it is unclear exactly how much the salary/withdrawal is per month. The trustee will need
additional statements.
- The plan must remain a 100% plan due to the equity in the residence

Plan: 500/36, SALE/REFI 181 RUMSON RD BY 6MTHS AFT CONF,100%
2/3 payments
last claim:5-1, bar date:3/24/22
Matter ResolvedRequest
Adjourment
1954/27/2022 10:00 am22-10337 / MBKDANIEL L. REINGANUMConfirmation Hearing on Modified PlanContinued
6/22/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

attorney to get appraisal

AS OF 4/20/2022 (at):

RECOMMEND: $1,191 PAID TO DATE, $600 x 57 BEGINNING 5/1/2022, BASE WITH A MINIMUM OF $11,161 TO UNSECURED CREDITORS DUE TO NON EXEMPT EQUITY
Need 2021 tax return by 5/31/2022.
Need a consent order to pay Ally Financial adequate protection payments within 30 days of confirmation.

1. Debtor's attorney must provide an order stating that Ally Financial consents to pre and post confirmation adequate protection payments through the trustee's office.

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2021 by 5/31/2022 or cert of non filing. (LANGUAGE ADDED)
- A Modified Plan that removes Ally from Part 4c of the plan, they are listed in 4d as a cram. (MOD PLAN 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 $11,161 in non exempt equity in the residence. (LANGUAGE ADDED)
The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service on Ally and Connexus Credit Union for cram downs in Part 4d of the plan. (CERT OF SERVICE FILED 3/24/2022)
- Need to file Pre-Confirmation Certification. (FILED)
- Plan cannot pay 0% to guc's due to non exempt equity. Need to pay a minimum of $11,161 to unsecured creditors due to non exempt equity.

Modified plan before confirmation proposes: $397 x 60 beginning 2/1/2022, 0% to guc's
Payments: 3/3
Matter ResolvedRequest
Adjourment
1964/27/2022 10:00 am22-10362 / MBKGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $2,092.00  
AS OF 4/22/22 (SF) - CANNOT ADJOURN WITHOUT CURRENT PROOF OF INSURANCE

1. Trustee objection:
- Need a current market analysis - for Serenity Inn property (14 Seaview Ave) and mortgage statement.

- Need a copy of the last filed tax return - for 2021 by 5/31/22.

- Need a copy of the homeowner's insurance renewal declaration - for residence and business property.

- Amendments to Schedules A/B to add business and business property

- The current Plan does not specify treatment of State of NJ and IRS tax claims under the Plan.

- There is non-exempt equity on residence $6,754, Bank acct has $12,720, Metlife has $9,877, and business property may have equity pending submission of CMA and lien information (100% PLAN).

- Must resolve IRS estimated tax claim 2-1 (NEED AMENDED CLAIM)

- Must file Pre-confirmation certificate.

Plan proposes $2681 x 60 100%
Payments: 2 of 3 Arrears: $2387


RESOLVED ISSUES:
1. Objection filed by Manasquan Bank (Broege) - failure to pay arrears of $147,299.15 (RESOLVED VIA CO) PAY ARREARS IN THE AMOUNT OF $141,265.08
- amend Schedule J-1 Debtor's expenses. Questions #1-5 are missing and not filed.
Matter ResolvedRequest
Adjourment
1974/27/2022 10:00 am22-10366 / MBKWALTER D NEALY, ESQConfirmation Hearing ScheduledDismissedDebtor has made 0 of 5 required payments   Arrears: $0  

ns
issues as of 4/21/2022 (JMA)

1) 341 not held, not rescheduled
2) No Trustee plan payments made to date, arrears $2,172
3) Need to file Pre Confirmation Certification with Court
4) IRS priority claim estimated for 2018 and 2019 taxes
5) IRS guc claim 5 estimated for 2017 taxes
6) Select Portfolio Servcing Inc/US Bank (Fein Such) objection to confirmation, need to resolve
7) Plan lists American Honda Finance and AmeriCredit/GM Financial as secured/unaffected - these creditors are not on Schedules B or G - is this an error or should Schedules be amended to add vehicles?
Matter ResolvedRequest
Adjourment
1984/27/2022 10:00 am22-10434 / MBKANDREW B FINBERG ESQConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $1,750.00
updated as of 4/26/2022 (JMA)

ok to confirm at $350x60 begin 2/1/2022 100% plan
-Non exempt proceeds from inheritance from parents estate to Trustee, if any
-Non exempt proceeds from potential lawsuit against sister for debtor's inheritance, if any
-Consent Order resolving creditor objection and paying $1,734.99 arrears through the plan
-Need to file Pre Confirmation Certification with Court within 10 days of confirming order
-Jefferson Capital Systems LLC/Avant unsecured claim #7 $3,446.89 will be paid in full as general unsecured claim - 100% plan
-Ovation Sales Finance Trust/Service Finance Company unsecured claim #8 $3,106.92 will be paid in full as general unsecured claim - 100% plan



as of 4/22/2022 (JMA)

1) PennyMac Loan Services (Powers Kirn) objection to confirmation - ORDER 3/31/2022 RESOLVING CREDITOR OBJECTION BY PROVIDING FOR ARREARS IN THE AMOUNT OF $1,734.99 THROUGH THE PLAN
2) Trustee objection to confirmation - need to resolve
-provide Trustee with a copy of the homeowner's insurance renewal declaration - need update expires 4/11/22 before confirmation. RESOLVED, PROVIDED RENEWAL
-the CMA lists estimated value of $201,700 - however, the average of the comps provided is $270,800 - no explanation provided on the difference between the estimated value and average sale price. Zillow has value at $291,700.Trustee disputes debtor 's value on the real property Trustee needs to establish a threshold amount of non exempt equity even though case is currently proposed at 100%. Need updated CMA with comps in that last 6 mos.- WITH THE NEW CMA VALUE OF $260,000 THERE IS NOW NOW NON EXEMPT EQUITY IN THE AMOUNT OF $35,245
-January bank statement shows large deposit of $2,000 from Zelle - PROVIDED CERT THIS WAS A GIFT FROM SISTER TO PAY ATTORNEY FEE
-as of 12/31/2021 the ending balance of the bank account was $1,996.21 Schedule B only lists $750 - OK 100%
-Schedule D lists claim for Service Finance Company $3,009 does not describe the pro
Matter ResolvedRequest
Adjourment
1994/27/2022 10:00 am22-10437 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 5 required payments   Arrears: $424.00  Total Paid In: $1,370.00
As of 4/26/22 (DS): Ok to confirm at $940 paid, $427 x 33 begin 5/1/22; 100% to gucs
- Section 4b to be stricken and not paid.
- Section 4d and 4c to be stricken and pay arrears claim#3-1 of Westlake Financial arrears $280.14.
- Within 7 days must file Pre-confirmation certificate.
- Debtor must provide 2021 tax return no later than 5/31/22.

1. BELOW ISSUES STILL REMAIN UNRESOLVED:
- NO SERVICE ON MOTIONS, RECOMMEND THIS BE STRICKEN AND PAY ARREARS $280.14.
- NEED 18 PROMPT CURE TO LANDLORD, NO CLAIM FILED, BAR DATE HAS PASSED 3/30/22. RECOMMEND STRICKING.
- NEED TO ADD TO CONFIRMING ORDER 2021 TAX RETURNS BY 5/31/22. AND PRE-CONFIRMATION CERT FILED WITHIN 7 DAYS.

As of 3/21/22 (DS): Debtor attorney requested adjournment, mod plan filed and sched 4/27/22

MP filed 3/15/22 and confirmation scheduled for 4/27/22

No POCs have been filed as of 3/14/22 (dm)

3/23/22 (DS): 1. Trustee obj to no service to Westlake Financial motions in plan, need 18 months prompt cure to landlord and Debtor must provide 2021 tax returns, if not filed must provide no later than 5/31/22.

2. Must file Pre-confirmation certificate.

Prop Plan $100 x 1 begin 2/1/22; $427 x 59 begin 3/1/22; $0
Note: Mod plan removes landlord on Part 4g.
Matter ResolvedRequest
Adjourment
2004/27/2022 10:00 am22-10544 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $200.00  
AS of 4/22/22(mk):

341 is now on 5/12/22
3/3 payments



ADJ TO 4/27 FOR TFS TO CLEAR AND FOR BUD TO RESCHEDULE 341 - NO NEED RE-WORK CASE (dm)
Matter ResolvedRequest
Adjourment
2014/27/2022 10:00 am22-10573 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $3,081.00  

ATTY TO RESPOND TO DIPO LIST 10 DAYS BEFORE 6-8

issues as of 4/22/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
-need a copy of the last filed tax return for 2021, if not filed , must provide no later than 5/31/2022
-need to provide updated auto insurance, if not confirmed by 3/23/2022, insurance expires 3/19/2022 - RESOLVED, PROVIDED
-need a modified plan that properly adds how IRS and LVNV claims are to be paid and add student loans to be paid outside NOT FILED TO DATE
-need amendment to Schedule C to take all proper exemptions of all assets NOT FILED TO DATE
-the debtors plan consists of unnecessary or excessive expense items, such as: electricity/heat/gas $500; clothing $600; entertainment $400; student loans $700 (not listed in plan as outside) and business expenses $8,592.79 (P&L statements also list the same expenses and is double dipping) NOT ADDRESSED TO DATE
-the debtor is not paying all disposable income into the plan - Form 22c has disposable income $11,526.26, which would require minimum dividend $691,575 to gucs
-due excessive expenses and tax refund there is also disposable income $12,831
-the schedules fail to account for the debtors tax refund in the amount of $16,758 when determining disposable income
-the current Plan does not specify treatment of IRS priority claim for $21,817.49 under the Plan
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is estimated non-exempt equity on real property $228,160.56; 2014 Honda Odyssey $15,250, Wells Fargo checking acct# 4450 $2,252.27 and Wells Fargo acct #6730 $8,760.11
-must file pre-confirmation certificate STILL NOT FILED TO DATE
-counsel must notice the 3 credit bureaus regarding the incorrect social security number NOTHING RECEIVED ON THIS
2) State of NJ filed secured claim 12 with amount due of $47,149.55 NOT TREATED IN PLAN
3) Rocket Mortgage LLC/Quicken Loans (KML) objection to confir
Matter ResolvedRequest
Adjourment
2024/27/2022 10:00 am22-10658 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $0  
Total Paid In: $3,510.00
AS OF 04/22/22 (SF)

RECOMMEND $1944 PTD, $783 X 36 (BEGIN 5/1/22); $1114 X 21 (BEGIN 5/1/25) BASE W/MIN $24,188 TO GUCS PER N/E IN REAL ESTATE AND PERSONAL PROPERTY
- MUST FILE PRE-CONFIRMATION CERT WITHIN 10 DAYS
- TRUSTEE STANDARD ORDER OF DISTRIBUTION



1. Trustee objection:
- A copy of the last filed tax return - for 2021, if not filed, must provide no later than 5/31/22. (RECEIVED AND REFUND IS $2901 WHICH INCREASES DISPOSABLE INCOME TO $783)

- Auto insurance for 2006 Honda CRV and 2 months bank statements from TD Bank joint acct prior to filing date.

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

- Need copy of 401(k) loan balance statement prior to filing date. (RECEIVED AND EXPIRES IN 36 MONTHS. THERE WILL BE AN ADDITIONAL $331.49 AVAILABLE)

- Must file Pre-confirmation certificate.


Plan proposes $648 x 60 Base
Payments: 3/3

RESOLVED:
- Domestic Support Obligation information (RECEIVED)
- Must resolve IRS estimated claim. (AMENDED)
- Need order of support payments for garnishment listed on Debtor's pay stub in the amount of $431 bi-weekly
- There is non-exempt equity on real property of $23,322.78, TD Bank acct#5943 $501.15 and TD Bank joint acct $364.07
Matter ResolvedRequest
Adjourment
2034/27/2022 10:00 am22-10760 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 4/20/22 (SF) Payment received. Attorney must request adjournment.

ADJ to 4/27/22 for $1,761 to post - then Atty to contact to adjourn - NO NEED TO RE-WORK THIS CASE YET (dm)

AS OF 4/7/22 (SF) NO PAYMENTS

1. IRS priority claim 4-1 is estimated (NEED AMENDED CLAIM)

2. State of NJ filed estimated priority claim 14-1 (NEED AMENDED CLAIM)

3. Purchasing Power, LLC filed secured claim 7-1 for $2670.50 for jewelry which is not addressed in plan

4. NJSVS Surcharge Violation System Office filed bifurcated claim: $146.15 secured, $200 unsecured and $346.15 arrears (HOW SHOULD THIS CLAIM BE PAID?)

4. Trustee objection:
-excessive expenses Schedule J $600/utilities; $550/cable telephone internet ;

-need January 2022 statement for Chase account ending #9389

Plan proposes $587 x 36 0%
Payments: 0/3 Arrears: $1761
Matter ResolvedRequest
Adjourment
2044/27/2022 10:00 am22-10823 / MBKMICHELLE LABAYENConfirmation Hearing on Modified PlanContinued
5/11/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

MP ON FOR 4-27 AS OF 4/11/2022 (at):

PER ATTY, THEY ARE OBJECTING TO GLEN SECTION POC AND CASE WILL BE ADJOURNED IN ORDER TO RESOLVE THIS OBJECTION.

IF OK TO PAY GLEN SECTION 1 CONDO ASSOCIATION CLAIM #2,
RECOMMEND: $948 PAID TO DATE, $594 X 58 BEGINNING 5/1/2022, LOAN MOD BY 6/30/2022, 100% PLAN
Need to file Pre-Confirmation Certification within 7 days of confirmation.
Preserve non exempt equity of $26,117 in real and personal property.


1. The Glen Section 1 Condo Association filed a secured claim #2 in the amount of $25,811.23 which is not in the plan. Plan proposes to pay $5,100. Is the debtor going to pay this claim?

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2021 on or before 5/31/2022 (RECEIVED)
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- excessive expense Schedule J $660/car payment
- The Schedules fail to account for the debtor(s) tax refund in the amount of $5146 when determining disposable income. (2021 TAX REFUND AVERAGED/ADDED TO INCOME)
The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- The plan must remain a 100% plan due to equity in Real Estate. (LANGUAGE ADDED)

Modified Plan before confirmation proposes: $470 x 60 beginning 3/1/2022, loan modification by 6/30/2022, 100% to unsecured creditors
Payments: 2/2
Matter ResolvedRequest
Adjourment
2054/27/2022 10:00 am22-10939 / MBKDonald F. Campbell, Jr., Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $705.00  
AS OF 04/11/22 (SF) -

1. 341 not held - Rescheduled to 4/28/22
2. Current: $700 Received
Matter ResolvedRequest
Adjourment
2064/27/2022 10:00 am22-10986 / MBKDaniel E. Straffi, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGrantedTotal Paid In: $1,000.00
LOSS MIT/SHELLPOINT MTG
Matter ResolvedRequest
Adjourment
2074/27/2022 10:00 am22-11132 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 4 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
2084/27/2022 10:00 am22-11155 / MBKMICHELLE LABAYENConfirmation Hearing ScheduledContinued
5/25/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 4/20/2022 (at):

NEED TO ADJOURN THIS HEARING TO COINCIDE WITH THE MODIFIED PLAN HEARING ON 5/25/2022.

1. Objection filed by Affinity Credit Union (Liska) - plan does not propose to pay creditor's secured claim #2 of $8,650.31.

2. Objection filed by SN Servicing/US Bank (Friedman Vartolo) - failure to cure arrears of $77,781.02 (Per Obj - no POC yet) and correct post petition payment is $1,827.70.

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 - 2021 by 5/31/2022. (RECEIVED)
(1) A statement for the Merrill account # 1D44 (NOT RECEIVED)
(2) certification that the debtor and his
wife are separated. (RECEIVED)
- A Modified Plan that addresses arrears on 2nd mortgage held by Affinity FCU. (MOD PLAN LISTS ARREARS BUT PROPOSES TO PAY $0)
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $1,549.38. (DISPOSABLE INCOME IS $1,736 NOW THAT TAX REFUND HAS BEEN ADDED/AVERAGED)
- Reviewed the 22C, Line 34 (mortgage arrears) should be $0 as this is a loan mod plan. Per the 22C, monthly disposable income is $2,114 which requires a minimum dividend of $126,840 to unsecured creditors.
- The Plan fails to provide for a prompt loan modification completion date. (MOD PLAN PROPOSES LOAN MOD BY 6/30/2022)
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 $6,347 in non exempt equity in the Merrill account. (pending review of
statement) (STATEMENT NOT RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)
- Need to resolve objection by Affinity FCU. (UNRESOLVED)
- Need to resolve the estimated claim
Matter ResolvedRequest
Adjourment
2094/27/2022 10:00 am22-11161 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $830.00  
As of 4/21/22 Debtor attorney requested adjournment to file a motion to address the IRS POC.

As of 4/20/22 (DS): 1. Trustee obj to the following:
- Need service to the following creditors, not serviced properly: Santander (serves payment address on claim, not where notices sent - PO Box 961245, Forth Worth, TX) and State of NJ (Compliance and Enforcement - Bankruptcy Unit - 3 John Fitch Way, 5th Floor, P.O. Box 245, Trenton, NJ).
- Profit and loss deducts $6,226.16 as "other miscellaneous expense". Need a detailed itemization of this deduction as it reduces net income from $7,762.36 to $1,536.20 for the 3 month period.
- P&L statement list car & truck expense of $5,086.03 which is $1,698.67. P&L does not list these vehicles, they are in Schedules B/C 2013 Ford Transit, 2014 Ford Transit and 2017 Dodge Pickup. 2013 Ford Transit (claim#7) has loan balance $2,110.53, monthly payment $429.94; 2014 Ford Transit has loan balance of $1,600 per schedule B, no claim filed to date. 2017 Dodge Pickup (claim#1) has loan balance $27,600.93 and monthly payment $789.95. Does not add up to P&L expense $1,698.67. There is no auto expense for $391, unless it is for 2014 Ford Transit - business expenses should be on the P&L and household expenses on Schedule J. It would be double dipping.
- Schedule J lists car insurance of $391. Why is this not listed on P&L? The business policy expense is only $283.66 month. The personal policy is $188.40 month.
- There is also a 2006 Dodge Ram without a loan valued at $1,500. Is this a work vehicle?
- Business bank acct shows debtor uses acct for business expenses, personal expenses and cash withdrawals.
- Need December 2021 and January 2022 statements for both business accounts ending #4575 and #7590.

2. IRS (US ATTORNEYS OFFICE PHILIP SELLINGER) obj to cram and 2020 and 2021 tax returns not filed. Obj must be resolved.

3. M&T filed bifurcated claim. Plan has to pay claim in full.

4. Must resolve IRS estimated claim 2020 and 2021 tax return
Matter ResolvedRequest
Adjourment
2104/27/2022 10:00 am22-11164 / MBKJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $4,460.00
4/26/22(mk):

**CAN REC CONFIRM AT $1,115 X 60 BEGIN 3/1/22; BASE; MUST FILE PRE CONF CERT W/IN 10 DAYS.**

As of 4/20/22(mk):
email to atty-

>>Needs to make the April payment- then can work up& file the pre conf cert.<<

1. Plan has -0- to IRS. POC filed $1,104.21- OK TO PAY? Per atty YES PAY

2. Trustee Objection:
-must file pre conf cert.
-debtor not paying all disposable income into
plan. -122c has disposable income $1,087.57, would require minimum dividend $65,254.20 to gucs (deducts IRS claim)- (PLAN PAYMT IS $1,115 X 60 )

Plan: $1,115 x 60 begin 3/1/22; Base
2/2 payments
last claim 17-1, bar date:4/25/22
Matter ResolvedRequest
Adjourment
2114/27/2022 10:00 am22-11165 / MBKJOHN A LIPOWSKI ESQConfirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $1,692.00
issues as of 4/22/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
-A current market analysis - with comparatives used to value property.
-Proof of 2 month's income - from non-filing spouse Profit and Loss for Jan. 2022 and Feb 2022 - PROVIDED P&L FOR BOTH THE 3RD AND 4TH QUARTERS, STILL NEED P&L FOR JANUARY AND FEBRUARY 2022
-A copy of the last filed tax return - for 2021 Business Income Schedule C missing page.
-Updated auto insurance, insurance expires 4/8/22.
-debtor to explain transfers TD Bank bank acct#. This acct shows deposits and transfers into spouses Trucking business acct #6227, specifically a big transfer on 2/7/22 for $26,550 was deposited into acct from #6227, then on 2/7 funds $27,000 was transferred back. Several other small deposits of $500, $1,000 and $3,500 into joint acct from 1/27/22 -2/22/22

proposed plan $564x36 100% plan loan mod by 8/31/2022
paid in $1,128
last claim 1
Matter ResolvedRequest
Adjourment
2124/27/2022 10:00 am22-11176 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $2,000.00
AS OF 4/21/22 (SF) MP JUST FILED. PER ATTY OK TO DENY PLAN

1. Objection field by US Bank (Raymond) - failure to pay arrears of approximately $377,244.73.

2. Objection filed by Caravana (Jason Schwartz) - failure to pay arrears of $8750.92 (PER CLAIM FILED, THERE ARE NO ARREARS DUE)

3. Trustee objection:
- A copy of the last filed tax return - Need copy of 2021 tax return by 5/31/22

- Statement from E-Trade with balance info, prior to filing date.

- Amendments to Schedules B and C to add 2017 ---

- Nissan Sentra and Schedule J to add monthly payment $222.

- The current Plan does not specify treatment of Carvana LLC for 2017 Nissan Sentra under the Plan.

- There may be non-exempt equity on 2017 vehicle, pending amended Schedules and valuation and real property pending mortgage claim.
The debtor has failed to provide proof of service with respect to Plan Motion (s).
Midland Funding and New Century Financial.

- Need valuation on 2017 vehicle.

- Must file Pre-confirmation certificate.

4. No unsecured claims filed yet. Bar date expires on 4/26/22

Plan proposes $500 x 36 Base, Loan Mod in 6 months
Payments: 2/2
Matter ResolvedRequest
Adjourment
2134/27/2022 10:00 am22-11177 / MBKBRUCE J. DUKEConfirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $2,775.00  
AS OF 4/20/2022 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING TO ALLOW 341 TO BE CONDUCTED.

1. 341 is scheduled for 5/5/2022
2. Payments: 1/2, arrears $1,387.32
Matter ResolvedRequest
Adjourment
2144/27/2022 10:00 am22-11198 / MBKJONI L GRAY, ESQConfirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,000.00
As of 4/20/22 Debtor attorney requested adjournment to resolve obj with creditor
Matter ResolvedRequest
Adjourment
2154/27/2022 10:00 am22-11221 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
5/11/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $300.00  
AS of 4/20/22(mk):

..BAR DATE IS 4/27/22- SHOULD ADJ TO AFTER THE BAR DATE


>>Plan pays State of NJ Restitution $14.103.87- NO POC YET. Onec that is filed case can be worked and see if debtor is current<<

1. Trustee Objection:
-debtor has insufficient income (negative $70)

Plan: $300 X 60 BEG 3/2022; 0%
1/2 payments
last claim:13-1 bar date:4/27/22
Matter ResolvedRequest
Adjourment
2164/27/2022 10:00 am22-11230 / MBKPAUL H YOUNGConfirmation Hearing ScheduledContinued
7/5/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

issues as of 4/22/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
-need a copy of the last filed tax return, need 2021 tax return for the debtor and non filing spouse by 5/31/2022
-need a statement for the non filing spouse's PERS loan
-need to amend Petition to add alias maiden name "McFadden"
-the debtors plan consists of unnecessary or excessive expense items, such as: $453/month form car insurance; $819/month car payment; $689/month car payment (no cars on Schedule A/B); $850/month for transportation; $250/month for home maintenance - need proof of excessive expenses 10 days prior to confirmation
-the debtor is not paying all disposable income into the plan - verified income leaves monthly disposable income of $541 (reducing excessive expenses would increase disposable income)
-need to file Pre Confirmation Certification
-need to resolve the estimated claims filed by the IRS and State of NJ Division of Taxation
-Need a P&L for the year of 2021

proposed plan $400x60 base plan
paid in $800
last claim 15
Matter ResolvedRequest
Adjourment
2174/27/2022 10:00 am22-11279 / MBKBRIAN L HOFFMAN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 4 required payments   Arrears: $388.00  Total Paid In: $590.00
AS OF 4/22/2022 (JMA)


To resolve Trustee objection, need to confirm the plan need $200 paid to date, $389x34 begin 5/1/2022 base plan with loan mod on or by 9/1/2022

1) Pingora Loan Servicing LLC (Frenkel Lambert) - CONSENT ORDER RESOLVING OBJECTION, NO PRE PETITION ARREARS ARE PAID WHILE LOSS MITIGATION IS PENDING
2) Trustee objection to confirmation - RESOLVED
-the debtor is not paying all disposable income into the plan - debtors income verified significantly higher than scheduled $8,538.65 leaving disposable net in the amount of $2,373.27 RECALCULATED INCOME USING ALL PAYSTUBS PROVIDED AND THERE IS DISPOSABLE NET INCOME OF $373.18 AND REQUIRES MINIMUM PLAN BASE OF $13,434.48
To confirm the plan need $200 paid to date, $389x34 begin 5/1/2022 base plan with loan mod on or by 9/1/2022

proposed plan $100x36 base plan with loan mod on or by 9/1/2022
paid in $200
last claim 5
Matter ResolvedRequest
Adjourment
2184/27/2022 10:00 am22-11299 / MBKRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
5/11/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

get current and 341 scheduled by 5/11

AS OF 4/20/2022 (at):

1. 341 has not been held or rescheduled.
2. Payments: 1/2, arrears $300
Matter ResolvedRequest
Adjourment
2194/27/2022 10:00 am22-11315 / MBKMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $400.00
AR NEED VERIFICATION OF AUTO INS
issues as of 4/21/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
-need a copy of the last filed tax return on or by 5/31/2022
-need proof of insurance for the Chrysler on Schedule G policy provided expired 4/13/2022 - STILL HAS NOT PROVIDED RENEWAL
-the debtor is not paying all disposable income into the plan -debtor's pay stubs verify at $4,847 per month, resulting in $2,371 of disposable income per month
-need to file Pre Confirmation Certification with Court - RESOLVED, FILED

proposed plan $100x60 minimum $2057.68 to gucs
paid in $200
last claim 7
Matter ResolvedRequest
Adjourment
2204/27/2022 10:00 am22-11322 / MBKDANIEL L. REINGANUMConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $300.00  Total Paid In: $900.00
AS OF 4/21/22 (SF)

RECOMMEND $300 X 36 (BEGIN 3/1/22) BASE PLAN

This plan should be a base not 0% because there are only unsecured creditors left to pay. The plan does not propose to pay any priority or secured claims.

Plan proposes $300 x 36 0%
Payments: 1 of 2 Arrears: $300

Matter ResolvedRequest
Adjourment
2214/27/2022 10:00 am22-11339 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 4/25/2022 (at):

1. The IRS filed an estimated priority claim #6 with needs to be resolved/amended. (2016 - 2022)

2. Objection filed by Wilmington Savings Fund/Sterling National Bank (Pluese Becker) - failure to cure full pre-petition arrears of $38,468.39 (Per obj - no POC yet)

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 - 2021 tax returns, if not filed must provide no later than 5/31/22. (NOT RECEIVED - LANGUAGE ADDED)
- A copy of the homeowner's insurance renewal declaration - with all pages that
shows personal liability coverage. Missing pages 2 and 3. (NOT RECEIVED)
- Valuations and proof of ownership on all vehicle signed or co -signed by the debtor (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Spouses expenses $1,500 (requires proof of expenses), $900 monthly payment for a Ford truck
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Proof of income verifies higher, there is disposable income $1,263.41.
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 estimated non-exempt equity on home and vehicles, pending all updated
documents and amended Schedules. (ALL SECURED CLAIMS NOT YET FILED (NEED RESIDENCE AND CIVIC AND PROOF OF OWNERSHIP) AND AMENDED C NOT FILED)
- 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). (PAY PER PLAN - LANGUAGE ADDED)
- Must file Pre-confirmation certificate. (NOT FILED)

Plan proposes: $250 x 36 b
Matter ResolvedRequest
Adjourment
2224/27/2022 10:00 am22-11342 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $1,500.00
As of 4/25/22 (DS): Debtor attorney requested adjournment, 341 scheduled 5/26/22, proof of TFS payment made $500.
Matter ResolvedRequest
Adjourment
2234/27/2022 10:00 am22-11346 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $0  

AS of 4/16/22(mk):

>>PLAN IS NOT FEASIBLE. plan had mtg arrears at $38,000 and POC is $53,158.23. This would require Tr payment of $1,075 begin May 1,2022. There is only $706 in disposable income


1.Objection by Mtg Legacy (Pluese):
Plan fails to cure arrears($53,158.23)- not feasible

2. Trustee Objection:
-need 2021 tax return by 5/31/22.
- Order of distribution contrary to Tr std order.
-need pre conf cert.


Plan:$690 X 60 BEG 3/2022; BASE
1/2 payments
last claim:3-1,bar date:5/2/22
Matter ResolvedRequest
Adjourment
2244/27/2022 10:00 am22-11349 / MBKKevin C. Fayette, EsqConfirmation Hearing ScheduledDeniedDebtor has made 1 of 4 required payments   Arrears: $2,400.00  
AS OF 4/20/22 (SF)

1. ATTORNEY MUST REQUEST ADJOURNMENT
2. 341 NOT HELD - RESCHEDULED FOR 4/28/22
3. PAYMENTS: 1/2 ARREARS: $800
4. MP SCHEDULED FOR 5/11/22



Matter ResolvedRequest
Adjourment
2254/27/2022 10:00 am22-11352 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

Personal liability insurance uploaded 4/26/22

AS OF 4/20/2022 (at):

NEED CURRENT HOMEOWNER'S INSURANCE POLICY IF AN ADJOURNMENT IS REQUESTED.---DONE OK

1. Motion to Reduce Claim #6 filed by Ford Motor Credit is scheduled for 5/11/2022. (unsecured claim)

2. Objection filed by M&T Bank (Parker McCay) - failure to cure full mortgage arrears of $136,251.66 (Per POC). Six months after confirmation is too long to determine if debtors are eligible for a loan modification.

3. Objection filed by Santander/Sovereign Bank (Saldutti) - this is the debtors' 4th filing in four years. Plan is silent as to Santander's secured claim #2 in the amount of $149,117.44.

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2021 on or before 5/31/2022 (NOT RECEIVED - LANGUAGE ADDED)
- A copy of the homeowner's insurance renewal declaration (NOT RECEIVED)
- 2 months (Jan & Feb) bank statements before filing (NOT RECEIVED)
The debtor has undertaken an improper use of exemption. Specifically:
- the codebtor is not on the Deed or Mortgage and therefore cannot take a d (1) exemption on the property (UPDATED - STILL NO EQUITY)
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- income verifies higher than scheduled, debtor is paid weekly and the weekly pay
averages to $1,522.52x4.33= $6592.53. The result is excess disposable net in the amount of $4,299.55. Schedule I lists monthly take home pay as $2,522.20 which is impossible when one paycheck is $1,522.52 and debtor is paid weekly. (Note - debtor usually goes on unemployment every year between Jan & March).
- the two comps provided both had significantly smaller square foot living space (debtors property 2,514 sq ft, comp #1 $1,192 sq ft; comp
Matter ResolvedRequest
Adjourment
2264/27/2022 10:00 am22-11354 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
5/25/2022 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $2,606.00  
ok to adjourn, 341 rescheduled for 4/28/2022
Matter ResolvedRequest
Adjourment
2274/27/2022 10:00 am22-11366 / MBKRONALD E NORMAN, ESQConfirmation Hearing ScheduledContinued
7/5/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 4/26/22 (DS): Debtor attorney requested adjournment, 341 sched 341 sched 5/12/22
Matter ResolvedRequest
Adjourment
2284/27/2022 10:00 am22-11373 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 4 required payments   Arrears: $0  

AS OF 4/20/22 (SF)

1. 341 NOT HELD - RESCHEDULED TO 4/28/22
2. PAYMENTS: 0/2 ARREARS: $1000

Matter ResolvedRequest
Adjourment
2294/27/2022 10:00 am22-11399 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $4,150.00
update as of 4/21/2022 - still no plan payments, will review again 4/25/2022 (JMA)

ADJ BY MBK TO 4/27 FOR PAYMENTS - SHERIFF'S SALE PENDING

AR NOTE NO PYMT NO CASE REC DISM WO PREJUDICE TO MOTION TO VACTE
updated 4/11/2022 (JMA) - still have issues to resolve
issues as of 4/7/2022 (JMA)

1) Specialized Loan Servicing LLC/US Bank (Stewart Legal) objection to confirmation - CONSENT ORDER RESOLVING OBJECTION, ARREARS TO BE PAID THROUGH PLAN
-anticipated arrears $76,739.61, claim filed with $76,454.89 arrears
2) IRS priority claim is estimated for 2021 taxes - need to resolve
3) Trustee objection to confirmation - need to resolve
-need a copy of the homeowner's insurance renewal declaration - policy provided expired 2/21/2022 RESOLVED, PROVIDED RENEWAL
4) To date, debtor has not made Trustee plan payments, arrears to date 2,766

proposed plan $1,383x60 0% plan
paid in $0
arrears $2,766
last claim 3
Matter ResolvedRequest
Adjourment
2304/27/2022 10:00 am22-11408 / MBKHerbert B. Raymond, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

4/12/22

341 not held- Rescheduled to 5/5/22
Payments: 1/2
Matter ResolvedRequest
Adjourment
2314/27/2022 10:00 am22-11413 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $964.00
As of 4/22/22 Debtor attorney requested adjournment to resolve IRS estimated claim.

As of 4/20/22 (DS): 1. Trustee obj to the following:
- Must resolve IRS estimated claim, 2020 and 2021 tax return not filed.
- PNC filed arrears claim $283.99.
- Excessive expenses on Sched J such as: Food $860 and Medical $450.
- Must provide 2021 tax return.
- Must file Pre-confirmation certificate.

Prop Plan $241 x 36 begin 3/1/22; $0
Matter ResolvedRequest
Adjourment
2324/27/2022 10:00 am22-11432 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $696.00  
issues as of 4/21/2022 (JMA)

1) 341 not held, rescheduled for 4/28/2022 - need to adjourn confirmation to allow 341 hearing to be held
2) Current with Trustee plan payments
3) Need to file Pre Confirmation Certification with Court
4) IRS secured claim 1 is estimated for 2019 and 2021 taxes
5) PennyMack Services LLC (Frenkel Lambert) objection to confirmation - need to resolve
Matter ResolvedRequest
Adjourment
2334/27/2022 10:00 am22-11441 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,000.00
AS OF 4/20/2022 (at):

1. Objection filed by JP Morgan Chase (Fein Such) - plan does not propose to make regular monthly payments pending sale/refinance. This is the debtor's 8th filing since the loan originated.

2. 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 non-exempt equity on real property estimated to be $14,485 (pending claim filed) and WSFS Bank acct has $4,155.41. (LANGUAGE ADDED)
- Pre-confirmation certificate. (NOT FILED)
- Must add to confirming order non-exempt proceeds from sale/refinance to Trustee. (LANGUAGE ADDED)

Plan proposes: $250 x 36 beginning 3/1/2022, sale/refinance within 6 months of confirmation, 0% to unsecured creditors
Payments: 3/2, $250 credit
Matter ResolvedRequest
Adjourment
2344/27/2022 10:00 am22-11454 / MBKJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $4,760.00
AS OF 4/21/22 (SF)

Currently need 100% to gucs. May wish to adjourn to after bar date of 5/5/22.


1. Trustee objection:

- Amendments to Schedules B and C to correct year of Dodge Ram and value, plus add Motion FCU 2 accts per bank statements.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: - Home
maintenance $300 and Entertainment $400, plus Amazon $10, Netflix $15 and Hulu $7 total entertainment $432

- 122c-2 Line 9b takes $1349, but Schedule J has $1,426, as well as mortgage statement.
- Add back $77 to line 45 and Line 13b should have $539, adding back $53. Line 45 disposable income has $1,190.34, add back $77 plus $53 total disposable income $1,320.34, which would require minimum dividend $79,220 to gucs.

- Proof of income verifies higher, there is disposable income $1786.99, which includes tax refund and deducts excessive expenses.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,342 when
determining disposable income.

- There is non-exempt equity in the following:
$2422.37 real estate; $3720 Honda Civic; and $4399 2019 Dodge Ram; $247.37 Motion FCU accts and pending TD Bank savings acct statements.

Plan proposes $1190 x 60 Base
Payments: 2/2


RESOLVED:
- Updated auto insurance for all vehicles, insurance expired 3/20/22. (RECEIVED)
- A copy of the last filed tax return - for 2021 if not filed must provide no later than 5/31/22. (RECEIVED AND TAX REFUND IS LOWER $879)
Matter ResolvedRequest
Adjourment
2354/27/2022 10:00 am22-11495 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 4/25/22 (DS): Debtor attorney requested adjournment, 341 sched 4/28/22, TFS payment $500 made 4/23/22
Matter ResolvedRequest
Adjourment
2364/27/2022 10:00 am22-11555 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,200.00
4/25/22(mk):

0/2 payments- atty had proof of payment-cashier ck $600
no 341- now on 5/26/22
Matter ResolvedRequest
Adjourment
2374/27/2022 10:00 am22-11575 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $0  
Total Paid In: $1,206.00
AS OF 4/26/2022 (at):

RECEIVED PROOF OF ONE PAYMENT.

1. Objection filed by Freedom Mortgage (Brock & Scott) - failure to cure pre-petition arrears of $75,711.58 (Per obj - no POC yet)

2. Trustee's objection:
The debtor has insufficient income. Verifiable income leaves monthly disposable income
of $412.24.
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2021 by 5/31/2022. (NOT RECEIVED - LANGUAGE ADDED)
- A Modified Plan that pays a dividend to unsecured creditors. Loan modification plans
cannot pay $0 to guc's. (MOD PLAN NOT FILED)
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need to resolve the objection filed by Freedom Mortgage. (UNRESOLVED)

Plan proposes: $603 x 36 beginning 3/1/2022, loan modification within 6 months of confirmation, $0 to unsecured creditors
Payments: 1/2, arrears $603
Matter ResolvedRequest
Adjourment
2384/27/2022 10:00 am22-11666 / MBKFred R. Braverman, Esq.Confirmation Hearing ScheduledContinued
6/8/2022 10:00 am
Debtor has made 4 of 3 required payments   Arrears: $0  
Total Paid In: $4,880.00
AS of 4/16/22(mk):

>>PLAN IS 100%- NEEDS TO BE ADJOURNED TO AFTER BAR DATE OF 5/11/22<<


1.Trustee objection:
-need 2021 tax return by5/ 31/2022.
-There is $191,626 of non-exempt equity in
the residence (100% plan).
- need pre conf cert.
unemployment income- need updated w/ 6 mos


Plan:$1220 X 60 BEG 4/2022; 100%
1/1 payment
last claim:6-1 ,bar date: 5/11/22






Matter ResolvedRequest
Adjourment
2394/27/2022 10:00 am22-11690 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $0  

issues as of 4/21/2022 (JMA)

1) 341 not held, not rescheduled
2) No Trustee plan payments made to date, arrears $285
3) Need to file Pre Confirmation Certification
4) IRS priority claim 1` is estimated for 2019 and 2021 taxes - need to resolve
5) Howell Verdana, LLC and Verdonna, LLC (Cohen Seglias) objection to confirmation - need to resolve
Matter ResolvedRequest
Adjourment
2404/27/2022 10:00 am22-11846 / MBKPHILIP R KAUFMAN, ESQConfirmation Hearing ScheduledDismissedDebtor has made 0 of 3 required payments   Arrears: $16,848.00  
ns
NO TR PYMNTS
Matter ResolvedRequest
Adjourment
2414/27/2022 10:00 am22-11895 / MBKJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledContinued
6/22/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $1,500.00
As of 4/21/22 Debtor attorney requested adjournment to amend his withholding as of March increased taxes. Requires proof of same.

As of 4/20/22 (DS): 1. Trustee obj to the following:
- Need bank statements from Chase checking acct#3883 and savings acct #9229 for Feb and March 2022 and pension loan balance statement prior to filing date and provide proof of storage unit payments $570.
- Must amend Sched B and C to add additional checking #3883 and 2 savings accts#9229 and 0056. There may be non-exempt equity.
- 22C has disposable income $1,191.84, which would require minimum dividend $71,510 to gucs or 100%. Total unsecured claims $51,013.55. Recommend waiting pass bar date 5/18/22.
- Excessive expenses on Sched J such as: Food $550, Transportation $451 and storage unit $570. There would be disposable income $960, due to excessive expenses.
- Must file Pre-confirmation certificate.

Prop Plan $500 x 60 begin 4/1/22; Base
Note: 2021 tax return provided. IRS amended claim. Proof of support payments provided.
Matter ResolvedRequest
Adjourment
2424/27/2022 2:00 pm18-12854 / MBKJames J. Cerbone, Esq.Motion CompensationGrantedTotal Paid In: $17,448.00
**AMT: PPSD PYMT IN ORDER INSUFFICIENT TO COMPLETE TIMELY WITH ADD'L $2,375 FEES***
Matter ResolvedRequest
Adjourment
2434/27/2022 2:00 pm18-22157 / MBKAllen I. Gorski, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment
2444/27/2022 2:00 pm18-23071 / MBKVera Fedoroff, Esq.Motion CompensationGrantedTotal Paid In: $28,612.00
Matter ResolvedRequest
Adjourment
2454/27/2022 2:00 pm18-32320 / MBKMarc C. Capone, Esq.AP Hearing Rescheduled (Document)Continued
5/26/2022 10:00 am
Total Paid In: $113,738.00
adj 5/26
Per Chambers, Hearing is rescheduled to 3/23/22 (dm)

AP 22-1040 McPaul vs. PHH

OSC FOR MANDATORY INJUNCTIVE RELEIF
Matter ResolvedRequest
Adjourment
2464/27/2022 2:00 pm19-12782 / MBKGeorge E Veitengruber IIIMotion CompensationWithdrawnTotal Paid In: $23,762.00
Matter ResolvedRequest
Adjourment
2474/27/2022 2:00 pm19-12782 / MBKGeorge E Veitengruber IIIMotion CompensationGrantedTotal Paid In: $23,762.00
4/22 AMT: ATTY FILING STANDARD FEE FORM AND AMENDED PPSD ORDER TO PAY OUTSIDE AS SUPPORT DOC<<>>

The timesheet provided does not do an hourly breakdown on fees nor does it use the standard fee form. Needs to be fixed EDC

(AMT: insufficient FOH; debtor needs to be advised to continue pymts)
Matter ResolvedRequest
Adjourment
2484/27/2022 2:00 pm19-21085 / MBKCandyce I. Smith-Sklar, Esq.Motion CompensationGrantedTotal Paid In: $41,386.00
(amt: 4/6 - requested copy of HUD)
Matter ResolvedRequest
Adjourment
2494/27/2022 2:00 pm19-25502 / MBKMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $16,915.00
Matter ResolvedRequest
Adjourment
2504/27/2022 2:00 pm20-12522 / MBKAllen I. Gorski, Esq.Motion CompensationGrantedTotal Paid In: $25,080.00
Matter ResolvedRequest
Adjourment
2514/27/2022 2:00 pm20-17495 / MBKJavier L. Merino, Esq.Motion CompensationGrantedTotal Paid In: $13,610.00
Matter ResolvedRequest
Adjourment
2524/27/2022 2:00 pm21-16613 / MBKLee M. Perlman, Esq.Motion CompensationGrantedTotal Paid In: $1,400.00
FEE APP/CH 7 TRUSTEE
Matter ResolvedRequest
Adjourment
2534/27/2022 2:00 pm21-17332 / MBKJustin M. Gillman, Esq.Motion CompensationContinued
5/11/2022 9:00 am
Total Paid In: $3,450.00
2pm


AR REQUEST TO ATTY IF CONSENT TO BE ON THE OPAPERS

trustee objection
Matter ResolvedRequest
Adjourment
2544/27/2022 2:00 pm21-17752 / MBKDavid G. Beslow, Esq.Motion CompensationGrantedTotal Paid In: $1,777.00
Matter ResolvedRequest
Adjourment
2554/27/2022 2:00 pm21-17870 / MBKCarol L. Knowlton, Esq.Motion CompensationOrder to be SubmittedTotal Paid In: $900.00
Trustee objection
-- proposed pymts are insufficient to cover fees being added to plan
Matter ResolvedRequest
Adjourment
2564/27/2022 2:00 pm21-19762 / MBKJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $3,000.00
Matter ResolvedRequest
Adjourment
2574/27/2022 2:00 pm22-10206 / MBKAllen I. Gorski, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment
2584/27/2022 2:00 pm22-11416 / MBKPRO SEOrder Show CauseMoot - Dismissed
FILING FEES
Matter ResolvedRequest
Adjourment
2594/27/2022 2:00 pm22-11803 / MBKBrian F. O'Malley Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2604/27/2022 2:00 pm22-11843 / MBKSteven N. Taieb, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2614/27/2022 2:00 pm22-12201 / MBKAdrian J. Johnson, Esq.Order Show CauseDismissed
MISSING DOCS
Matter ResolvedRequest
Adjourment
2624/27/2022 2:00 pm22-12234 / MBKRobert C. Nisenson, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2634/27/2022 2:00 pm22-12347 / MBKJames J. Cerbone, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2644/27/2022 2:00 pm22-12375 / MBKAndrew Thomas Archer Order Show CauseVacated
FILING FEE
Matter ResolvedRequest
Adjourment
2654/27/2022 2:00 pm22-12377 / MBKJoseph Casello, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2664/27/2022 2:00 pm22-12425 / MBKPeter E. Zimnis, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2674/27/2022 2:00 pm22-12429 / MBKBrad J. Sadek, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2694/27/2022 2:00 pm22-12440 / MBKDavid G. Beslow, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2704/27/2022 2:00 pm22-12450 / MBKDaniel E. Straffi, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2734/27/2022 2:00 pm22-12454 / MBKDaniel E. Straffi, Esq.Order Show CauseVacatedTotal Paid In: $1,500.00
MISSING DOCS
Matter ResolvedRequest
Adjourment
2744/27/2022 2:00 pm22-12455 / MBKJames J. Romero, Esq.Order Show CauseVacated
FILING FEES
Matter ResolvedRequest
Adjourment
2754/27/2022 2:00 pm22-12464 / MBKGeorge E Veitengruber IIIOrder Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2764/27/2022 2:00 pm22-12492 / MBKJustin M. Gillman, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2784/27/2022 2:00 pm22-12526 / MBKJohn Zimnis, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
04/27/2022 2:00 pm22-12545 / MBKAndrew Carroll, Esq.Motion Extend TimeWithdrawn
MTN TO EXTEND TO FILE CASE OPENING DOC
Matter ResolvedRequest
Adjourment
2814/27/2022 2:00 pm22-12547 / MBKJohn Zimnis, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2824/27/2022 2:00 pm22-12551 / MBKPAUL H YOUNGOrder Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2834/27/2022 2:00 pm22-12621 / MBKMAUREEN VELLAOrder Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2844/27/2022 2:00 pm22-12627 / MBKRobert Manchel, Esq.Order Show CauseVacatedTotal Paid In: $885.00
MISSING DOCS
Matter ResolvedRequest
Adjourment
2854/27/2022 2:00 pm22-12650 / MBKEric ClaymanOrder Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2864/27/2022 2:00 pm22-12691 / MBKDaniel E. Straffi, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2874/27/2022 2:00 pm22-12692 / MBKDaniel E. Straffi, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2884/27/2022 2:00 pm22-12734 / MBKSCOTT E KAPLAN ESQOrder Show CauseVacated
Debtor obj<>MISSING DOCS
Matter ResolvedRequest
Adjourment
2894/27/2022 2:00 pm22-12736 / MBKPeter E. Zimnis, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2904/27/2022 2:00 pm22-12744 / MBKCHONG S KIMOrder Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2914/27/2022 2:00 pm22-12745 / MBKEric ClaymanOrder Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2924/27/2022 2:00 pm22-12770 / MBKPAUL H YOUNGOrder Show CauseVacated
CREDIT COUNSELING
Matter ResolvedRequest
Adjourment
2934/27/2022 2:00 pm22-12783 / MBKJonathan Goldsmith-Cohen, Esq.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2944/27/2022 2:00 pm22-12785 / MBKGeorge E Veitengruber IIIOrder Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2954/27/2022 2:00 pm22-12790 / MBKErik M. Helbing Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2964/27/2022 2:00 pm22-12797 / MBKGeorge E Veitengruber IIIOrder Show CauseDismissed
MISSING DOCS
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes