Judge Christine M. Gravelle
Hearing Date: 4/30/2025
Hearing Count: 0
Last Updated: 04-28-2025 10:51 AM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am18-19366 / CMGStephen M. Goldberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $88,070.00
Debtor obj, made pymt<>ARREARS 10,100 Last pay 1/24/25
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am19-10296 / CMGRobert Cameron Legg, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $140,607.00
4/30 to be current

4/25/25: arrears now 1,975



4/2/25: atty email says client will be current by hearing date...


4/23 AMT: PPSD TR ORDER - $138,632 PTD (75); $2,146 X 9 BEG 5/1/25 <>

Debtor obj<> ARREARS 7,268 as of 4/6/25
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am19-25037 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $26,927.00
ARREARS 3,332 Last pay 3/17/25

debtor not paying fiull amt of Tr payment
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am20-10909 / CMGErik M. Helbing, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $75,815.00
4/4 AMT: ATTY REACHED OUT TO MTG CO FOR CONS ORDER TO REINSTATE STAY<>

3/20 PYMT POSTED, BUT ATTY WAS ADVISED SV NEEDS TO BE ADDRESSED<<>>

SV/RUSHMORE #13-1;


FAILED TO PAY PLAN BAL>>PAID

Plan has expired
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am20-12374 / CMGThomas G. Egner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $43,297.00
Plan balance paid


Debtor obj, will pay<>FAILED TO PAYPLAN BALANCE 2,532.97
last pay 11/1/24
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am20-14613 / CMGRobert Cameron Legg, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $88,290.00
As of 4/25/25(mk): Plan balance 5,463.63


WE ARE IN MONTH 61 Last pay was FEB

100% plan





Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am20-18729 / CMGScott E. Kaplan, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $85,135.00
Debtor obj<>ARREARS $4,845 last pay 2/2/25; NEEDS TO ADDRESS NY STATE LATE FILED CLM #4-1 (P&U PORTIONS)
Plan will not complete timely
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am20-18729 / CMGScott E. Kaplan, Esq.Motion Relief from Stay (Fee)Continued
5/21/2025 9:00 am
Total Paid In: $85,135.00
4/24/25:working on CO

Debtor obj, requests recap<>DEUTSCHE BANK/ RTE 539 (LOGS)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am21-12265 / CMGKevin C. Fayette, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $14,411.00
Debtor obj, requests recap<> ARREARS 2,972 last pay was OCT- NEEDS TO MAKE A GOOD FAILTH PAYMENT -THEN WILL RECAP
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am21-17884 / CMGSteven A Serna, EsqTrustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $89,176.00
Debtor obj, selling ppty<> ARREARS 17,450 LAST PAY DEC 2024
except for $100 posted 4/23/25
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am22-12925 / CMGRobert Cameron Legg, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $17,125.00
AMT: TR CONDUIT REQUEST<>

Debtor obj, will pay<>LAKEVIEW LOAN/Central Pkway ( Brock & Scott)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am22-14068 / CMGAndrew Thomas Archer, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition FiledTotal Paid In: $17,567.00
LOSS MIT/SELENE FINC
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am22-15140 / CMGMarc C. Capone, Esq.Creditor Certification of ServiceNeeds Resolution of Issues - ObjectionsTotal Paid In: $35,959.00
Debtor obj<> FAY SERVICING/Santa Anita Lane (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am22-18827 / CMGLee M. Perlman, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - Objections


mk: case was dismissed on Tr motion 3/19 Arrears.

TR Objection: need proof that debtor has the funds (9,258) to be current through April before the dismissal can be vacated.
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am22-19098 / CMGNicholas Fitzgerald, Esq.Motion to Approve Loan ModificationRecommend GrantingTotal Paid In: $32,758.00
mk: debtor cert in support filed at #75- OK now

Trustee obj<> MTN TO APPROVE LM
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-10013 / CMGKevin C. Fayette, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $13,365.00
Debtor obj<>HALSTON BUILDERS ASSOC (HABER SILVER)
LL CASE
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-10265 / CMGRoger J. Yehl, Esq.Motion SellRevised Order SubmittedTotal Paid In: $21,006.00
REVISED ORDER SUBMITTED - PAYS ALL ne PROCEEDS TO tR FOR 100%


108 LANE B, HAZLET NJ

Sale K 255,000

Motion says 100% pay out on plan
case was confirmed at base and has run 27 mos
Order has pay bal due on plan IF TO BE 100% THEN FISRT BOX B NEEDS TO BE CHECKED OFF IN THE PPSD ORDER
realtor appt
below med case.

4/5 25: email to atty

Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-10932 / CMGKevin C. Fayette, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $20,800.00
CARRINGTON MTG /Keswick Ave (HILL WALLACK)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-12139 / CMGJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $48,375.00
Debtor obj<>SELECT PORTFLIO/Norton Rd (RAS)

working on resolution
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-12396 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $20,041.00
ARREARS 3,916
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-12456 / CMGJustin M. Gillman, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $18,160.00
Debtor obj, made pymt<> M&T BANK/Central Ave (McCalla)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-14128 / CMGDonald C. Goins, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $11,414.00
AMT: $11,079 PTD (23); $684 X 37 BEG 5/1/25 (EMAIL TO ATTY)<>atty ok to terms(mk)

Debtor obj, offers recap<> ARREARS 2,547
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-14805 / CMGPeter J. Broege, Esq.Motion Relief from Co-Debtor StayContinued
6/11/2025 9:00 am
Total Paid In: $18,952.00
LAKEVIEW LOAN /Emerson Place (BROCK & SCOTT)

debtor trying for a Reverse MTG to pay current mtg in full
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-15884 / CMGJohn Zimnis, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $7,066.00
Debtor obj, will pay<> ARREARS 1,004

proof of apyment and MRF 4/30
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-15884 / CMGJohn Zimnis, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledTotal Paid In: $7,066.00
SELECT PORTFOLIO /Tipton Lane(RAS)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-16235 / CMGVera Fedoroff, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/11/2025 9:00 am
Total Paid In: $17,348.00
MP #79 filed on 6/11/25- extends sale date to August


Debtor obj<>FAILED TO SELL LONGEST DR PPTY BY 3/1725
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-16267 / CMGJoseph Albanese, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $41,645.00
CREDITOR ADJ 2nd request to pursue settlement 4/30 PEREMPTORY


AMT: TR CONDUIT REQUEST<>

Debtor obj<>WELLS FARGO BANK/Balsam St (McCALLA)

1/6/25: working to resolve
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-19827 / CMGLaurence R. Sheller, Esq.Motion to allow case to close earlyNo Opposition FiledTotal Paid In: $5,300.00
MTN ALLOW CASE TO CLOSE EARLY
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-20394 / CMGPaul H. Young, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $15,300.00
ARREARS 7,080

Debtor not paying full Tr payment of 1,565 since May2024 has only paid $900 p/m
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-20805 / CMGFrances A. Tomes, Esq.Creditor Certification of ServiceNeeds Resolution of Issues - ObjectionsTotal Paid In: $33,848.00
AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj, can resume & requests recap<> US BANK/nEWPORT dRIVE (Parker McCay)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-20888 / CMGAniello D. Cerreto, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $365,070.00
MTN TO VACATE ONLY FOR DEBTORS TO DIVORCE IN BURLINGTON COUNTY DOC#FM-03-790-25
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-21068 / CMGRobert Cameron Legg, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $30,330.00
Debtor obj, will make pymts<> AMERICAN HONDA/2018 Civic (Stewart Legal)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am23-21431 / CMGKarina Pia Lucid, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $39,320.00
ARREARS 21,225 Last pay 2/10/25
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-10420 / CMGMark N. Glyptis, Esq.Motion Cross MotionWithdrawnTotal Paid In: $18,180.00
4/22 AMT: CONDUIT ORDER TO CHAMBERS<<>>

TRUSTEE CROSS MTN TO DISMISS


3/31/25: Another payment of $750 coming then recap Or conduit on MRF ?

MFR- debtor due only for April payment. fees of creditor of $699 so need amt of that payment as that affects the recap
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-10636 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $12,052.00
ARREARS 13,140. Last pay 1/21/25
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-11231 / CMGRalph A. Ferro, Jr., Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $5,250.00
ACAR LEASING/2022 Chevy Blazer (EISENBERG)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-12925 / CMGKarina Pia Lucid, Esq.Motion Relief from Co-Debtor StayContinued
5/21/2025 9:00 am
Total Paid In: $5,100.00
Debtor obj, will pay w/tax refund<>CARRINGTON MTG /Billings St (HILL WALLACK)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-13384 / CMGRobert Cameron Legg, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $2,357.00
AMT: PPSD TR ORDER - $ 2,357 PTD (12); $ 393 X 48 BEG 5/1/25 (EMAIL TO ATTY)<>

Debtor obj, requests recap<> ARREARS
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-14024 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $5,500.00
ARREARS 28,332
as of Nov 2024 TR payment increased to 3,979. Debtro has only been paying $500 here and there.
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-14033 / CMGJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Recommend DismissalTotal Paid In: $5,500.00
SV/FED HOME LOAN;
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-14055 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $3,000.00
ARREARS 11,496
as of Nov 2024 Tr payment increased to 2,166 and debtor continued to pay only $250 p/m
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-15198 / CMGJeanie D. Wiesner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $6,293.00
MP on 4/30/25>>HAS TERMS>>


Debtor obj<>FEASIBILITY/PLAN CONFIRMED SHORT TO COVER MINIMUM IN T/H
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-16037 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $5,375.00
AMT: $5,375 PTD (10); $ 674 X 50 BEG 5/1/25 ( ATTY ok)<>

Debtor obj, made pymt<>ARREARS 1,425 as of 4/3/25

4/30 to be current - $ sent - needs to post
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-16520 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - Objections
AMT: MP 4/30**NEEDS RESOLUTION**<<>>

MP filed 3/15 to surrender RV and pay arrears to Nissan- Needs a date there is uploaded adj request to adj TR motion to date of MP

AMT: MP 2/5 ** denied**<<>>

Debtor obj, filed MP<>PLAN WAS DENIED ON 12/4/24 AND ON 2/5/25 AND FAILED TO FIL MP IN 14 DAYS
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-16900 / CMGVera Fedoroff, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - Objections
MP on 4/30 **NEEDS RESOLUTION**


plan os 2/26 DENIED MP in 14 days


debtor says unaware of payment increase and wants RECAP- ARREARS ARE NOW 11,808 AS OF 2/11/25;

Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-17257 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - Objections
AMT: MP 4/30>>ISSUES>>

CASE IS 9 mos old

Debtor obj<>PLAN WAS DENIED ON 1/15/25 AND FAILED TO FILE MP IN 14 DAYS

MP on 4/9 removes the LM and provides for a sale of the property by 8/1/25

TR requests the listing agm't
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-18161 / CMGMelinda D. Middlebrooks, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $2,142.00
Debtor obj, made pymt<>NISSAN/2020 Nissan Pathfinder (STEWART)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-18593 / CMGLee M. Perlman, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $7,854.00
Debtor obj, made pymts<>WILMINGTON SAVINGS/Seaman Drive (STERN & EISENBERG)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-18655 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Recommend DismissalTotal Paid In: $1,469.00
4/30 for proof of LM app submitted

Debtor obj<>FAILED TO LM BY 12/31/24;

DEBTOR FILING NEW APPLCIATION FOR LM WILL SEEK ADJ TO ALLOW TIME FOR THAT


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

FAILED TO FILE PRE CONF CERT BY 12/12/24 (NOW FILED)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-18655 / CMGJames J. Cerbone, Esq.Motion CompensationRevised Order SubmittedTotal Paid In: $1,469.00
NEEDS A REVISED ORDER FOR 389.80 THRU PLAN- ORDER SUBMITTED 4/23/25 JUST REQUESTING THE FOH AND NOTHING OUTSIDE OF PLAN


Trustee obj<> FEE APPLICATION

TR Motion to Dismiss on 4/30/25 failed to LM by 12/31/24

debtor has filed new application for LM- need status

PLAN IS IN ARREARS $84.00 as OF 4/16 FUNDS ON HAND W/ TR $389.80

Application seeks fees of $843.75
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-18811 / CMGEdward Nathan Vaisman, Esq.Motion Relief from Co-Debtor StayContinued
5/21/2025 9:00 am
Total Paid In: $20,280.00
Debtor obj, making pymts<>LAKEVIEW LOAN / Ramble Way (ALBERTELLI)

working on resolution.
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-19161 / CMGDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayOrder Previously SubmittedTotal Paid In: $4,004.00
4/7/25(mk): Order submitted - outside cure


Debtor obj, made pymt<>CENLAR /Pheasant Drive (McCALLA)

parties working on resolving
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-20951 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $8,505.00
4/25/25(mk): Arrears $5,670


debtor to be current by end of April- NEED TO ADDRESS FAILURE TO LM

amt: obj does not address LM<<>>

Debtor obj, will make pymts<>ARREARS(8,505 as of 4/2/25) FAILED TO LM BY 3/10/25
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-21032 / CMGJohn H. Anlian, Esq.Motion Relief from Co-Debtor StayContinued
5/21/2025 9:00 am

Debtor obj<>NATIONSTAR MTG /Sliker Rd (McCALLA RAYMER)

settlement talks
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am24-21344 / CMGAdam Schneider, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToHold for Judge
THIS WILL BE HELD FOR JUDGE AT NOON TO BE HEARD WITH OTHER CASE MATTERS


DEBTOR'S MTN EXPUNGE POC OF SHAN BALA #2

4/23/25; Creditor opp'n to this motion filed at #22
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-10063 / CMGNicholas Fitzgerald, Esq.Motion SellNeeds Resolution of Issues - Objections
Rocket Mtg limited obj (brock & scott)<>MTNT TO SELL FALSON LN PPTY

mk: Plan is 100%
Non exempt equity 347,922

Std form of order
balance of proceeds to TR
appl to retain closing atty filed 4/8/25
realtor was retained

TR Objection:
Need to add sale must close w/ in 60 days or need Ct order to extend sale date
Order should name realtor and closing atty - sp counsel
needs to ID purchaser
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-10159 / CMGScott J. Goldstein, Esq.Motion Withdraw As AttorneyNo Opposition Filed
No 341 missing dox conf 4/9 will be dismissed
Estimated IRS claim

Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-10633 / CMGBruce H. Levitt, Esq.Motion Relief from Stay (Fee)Moot - Dismissed
Debtor obj<>SANTANDER BANK/Desna St (BROCK)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-10837 / CMGErik M. Helbing, Esq.Motion to Convert Case to Chapter 13Moot
ORDER(#12) ENTERED CONVERTING CASE TO CH 13 ON 4/22/25

341 5/22/25 at 9 am
conf 7/2/25
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-11291 / CMGRussell L. Low, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
>>OST>>

Woodbine Living obj(SobelHan)<>MTN IMPOSE STAY, (SANTANDER, WOODBINE LIVING AND ALL CREDS)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-11291 / CMGRussell L. Low, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
Debtor obj, made pymt<>WOODBINE LIVING (LL)(SOBEL HAN)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-11406 / CMGKevin C. Fayette, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
4/9/25:Granted on limited basis for LL to sent notice to tenant and LL to file cert of LL not atty
CERT FILED DOC 17


Debtor obj<>EMMANUEL NAZARIO/LANDLORD (GREENBLATT, LIEBERMAN)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-11596 / CMGMark S. Cherry, Esq.Motion Dismiss CaseNo Opposition Filed
DEBTOR MTN TO DISMISS
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-12256 / CMGScott E. Kaplan, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition Filed
LOSS MIT/WELLS FARO
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-12504 / CMGJeffrey E. Jenkins, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
Debtor obj<>HSUAN 2021 REVOCABLE LIVING TRUST Landlord (GORSKI & KNOWLTON)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-13041 / CMGAllen I. Gorski, Esq.Motion for Relief from StayHold for Judge
Debtor obj<>JB REO LLC AND NJ MASTER 1 LLC (MARIN JENNINGS)

This is a motion by #rd party purchaser at Sheriff's sale- comfort order
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-13041 / CMGAllen I. Gorski, Esq.Motion Relief from Stay (Fee)Hold for Judge
Debtor obj<>WILMINGTON SAVINGS (ROMANO GARUBO)

4/9/259mk) order submitted SV granted to allow debtor to prosecute an appeal under Doc #A-001667-24 as to real property

Per debtor atty matter is contested

>property(Birch Ave. Princeton)
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-13659 / CMGYakov Rudikh, Esq.Motion Impose Automatic StayNo Opposition Filed
MTN EXTEND STAY ALL CREDS
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-13752 / CMGJennifer L. Kearney, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
>>OST>>


MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
04/30/2025 9:00 am25-13869 / CMGBruce C. Truesdale, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
>>OST>>


Landlord obj (mark cohen)<>MTN TO EXTEND STAY

on for 5/21/25:MFR filed by Landlords Michael Sie Palm & A. Agambila( Jonathan Goldsmith -Cohen)
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-15198 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 11 of 11 required payments   Arrears: $0  
Total Paid In: $6,293.00
issues as of 4/25/2025 (JMA)

1) The modified plan fails to provide for payment of unsecured claims due to non-exempt equity in the amount of $130,165.47

2) To confirm need $6,293 paid to date, $1,171x49 begin 5/1/2025 which includes $130,166 non-exempt equity

proposed plan $500x3, $598x6, $651x51 base plan
paid in $6,293
with 49 months to go
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-16520 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 10 of 10 required payments   Arrears: $0  

AS of 4/23/25(mk):

CASE IS 10 Mos. OLD

work up on MP #69

>>Cert of Default filed by Freedom Mtg filed - CONTESTED- on for 5/21/25

1. Trustee Objection:
-109(e) unsecured debt is over the limit- TOTAL FILED CLAIMS
$816,256.87
-plan funding speculative
- plan is not feasible


Plan:500 x12 then 2,000 x 48 plus funding form Ch 11 24-13414 to pay down dup. claims 100%
9/10 payments
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-16900 / CMGVera Fedoroff, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 9 of 9 required payments   Arrears: $0  

AS of 4/23/25(mk):

>>REALTOR APPL FILED - BUT NO LISTING AGREEMENT- oj filed as prop arrears to be off market as of this date.
PER MP SALE BY 7-15-25 PER TRULIA OFF MARKET
3 PRIOR CASES


1. Amended Objection by St Of NJ(M.Platkin):
- fails to pay claim
>>ESTIMATED TAX CLAIM- NO RETURN FOR 2021

2. Objection by SN Servicing Corp( Friedman V):
-plan fails to pay arrears - wants SV unless prop sold w/in reasonable time.

3. GLEN ARDEN HOME ONWERS ASSOC- there was to be s consent order treating the claim- NONE SUBMITTED SO FAR. this creditor not in MP

4. MP for a sale of real property. MTG to be paid at sale- plan does not mention the mtg creditor by name- is Tr paying arrears pending sale?


Plan: $990 X 60; SALE 7/2025 (4 LIBERTY CT); BASE
9/9 payments
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-17257 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 9 required payments   Arrears: $500.00  

AR RESOLVE OR HOLD
AS OF 4/17/25 (SF)

adj to 4/30 for listing agreement and retention of realtor and CO w/ D. Thompson on thrift
Listing Agreement Received. Still need Retention of Realtor and C/O for Thrift

If Thrift Investment Corp objection is resolved can confirm with terms below.

RECOMMEND $500 X 60 (BEGIN 8/1/25); BASE W/MIN $3100 TO GUCS PER NONEXEMPT EQUITY IN PERSONAL PROPERTY; NONEXEMPT PROCEEDS FROM SALE OF REAL ESTATE BY 8/1/25
- LOW BASE

1. Trustee motion to dismiss scheduled for 4/30/25 at 9 (IF PLAN IS CONFIRMED, MOTION CAN BE WITHDRAWN)

2. Objection filed by US Bank Trust National Assoc/VRMTG to speculative loan mod (MUST RESOLVE) MP FILED TO REMOVE LOAN MOD AND NOW PROPOSES A SALE

3. Objection filed by Thrift Investment Corp (Donna Thompson) - failure to propose to pay secured judgment claim 3-1 in the amount of $127,335.19. Plan is not feasible (MP FILED)

Limited objection filed to MP by Thrift Investment to plan because in Part 4(g) the None box is checked. If this is an error then Thrift does not object to plan

4. Trustee objection:

- The Schedules fail to account for the debtor(s) tax refund in the amount of $600 when determining disposable income. most of income is form contributions


Plan proposes $500 x 60 Base; Sale by 8/1/2025;
payments: 8/9 Arrears: $500


RESOLVED:
- There is non-exempt equity in the residence $112,447 and cash $3,100. (NO EQUITY IN REAL ESTATE DUE TO JUDGEMENT LIEN)
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-17686 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 8 required payments   Arrears: $888.00  
4/30/25 PEREMPTORY

AS of 4/23/25(mk):

NEED ANSWER TO #1

>>Arrears $888

1. ISSUES UNRESOLVED:
- Must resolve Exeter Finance (2015 Audi) Plan has Unaffected BUT bifurcated claim filed with secured $20,456.23, unsecured $11,162.68 and arrears $2,904.28. MOD PLAN FAILS TO RESOLVE CLAIM. IS TRUSTEE TO PAY ARREARS $2,904.28 AND UNSECURED PORTION $11,162.68 OF CLAIM?

Plan:$100 x 3 begin 9/1/24; $444 x 57; 100%

=========================================

ORDER DISMISSING CASE ENTERED 1/8/25, REINSTATED 2/26/25

1/15/25 (DS): 1. Debtors did not make their monthly plan payment for 12/1/24 of $444, paid $100, arrears $444.

2. Trustee obj issues not resolved:
- Must provide auto insurance for 2007 Honda Fit. Car was a Lemon and they do not have it any longer.
- Must resolve Exeter Finance (2015 Audi) bifurcated claim filed with secured $20,456.23, unsecured $11,162.68 and arrears $2,904.28. MOD PLAN FAILS TO RESOLVE CLAIM. IS TRUSTEE TO PAY ARREARS $2,904.28 AND UNSECURED PORTION $11,162.68 OF CLAIM?

MO in 14 days - reminder set NO TRUSTEE PAYMENT MADE AS OF 12/19/24

MK: Plan should be denied as it does not mark off 1e jointly administering the case. As to Honda, it was a Lemon and do not have it any longer. Atty will move against claim.

As of 11/15/24 (DS): Debtor atty requested adj to resolve all issues, request denied must provide auto insurance for 2007 Honda Fit.

11/14/24 (DS): 1. Trustee obj to the following:
- Must provide auto insurance for 2007 Honda Fit. Car was a Lemon and they do not have it any longer.
- Sched I fails to add tax refund $2,760. DISPOSABLE INCOME IS $558, WILL NEED A TRUSTEE PAYMENT OF $844 OR HIGHER, PENDING IF PAYMENT IS MADE FOR JAN.
- There is non-exempt equity in the residence $42,474. PLAN PAYS 100%
- Must resolve Exeter Finance (2015 Audi) bifurcated claim filed with secured $20,456.23, unsecured $11,162.68 and arrears $2,904.28. MOD PLAN FAILS TO RESOLVE CLAIM. IS TRUSTEE TO PAY ARREARS $2,904.28 AND UNSECURED PORTION $11,162.6
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-18668 / CMGJonathan Stone, Esq.Confirmation Hearing ScheduledContinued
6/11/2025 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $0  

note: prior plan on 4/9 was marked PEREMPTORY*(see PN)- that was w/d and this plan filed - NOT FEASIBLE

work up on Plan #42

AS of 4/14/25(mk):

prior plan was a base - this plan is now 100% THE UNSECURED CLAIM TOTAL IS $156,159.84- PLAN IS NOT FEASIBLE AT 100% WOULD NEED $5,268 X 52 BEGIN MAY (Income is only 2,823) PLUS OTHER UNRESOLVED ISSUES BELOW

CASE IS 8 MOS OLD


1. Objection by Glassboro PlazaLLC (McNally Law):
- filed secured claim for docketed J'ment- not treated in plan


2. Plan has Valley Nat'l Bank on 1st and 2nd mtg as unaffected- ARREARS CLAIM FILED BY VALLY ON 2ND MT - $750.97-OK TO PAY?

3.Plan has 10 cornerstone student loans listed 1 is pay at 100% and rest are outside- NO CLAIMS WERE FILED BY THIS CREDIOTR- ONLY 2 STD LOAN CLAIMS FILED BY NJ CLASS FOR $2,475.44 AND $7,196.93

4. TRUSTEE OBJECTION: not resolved form prior plan
- Verified income leaves monthly disposable income of $2,823
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need Settlement Statement from avenue throwing company that debtor previously owned. (NOT RECEIVED)


Plan: $312.50 X 4; $830 X 54; 100% Cornerstone Std Loans(10) 1 pay 100% rest outside plan
current as of now
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-18989 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 7 required payments   Arrears: $0  

adj to 4/30/25 PEREMPTORY for amt to Atlantic Fed-

AS OF 4/23/25(mk):Updated

>> STILL WAITING FOR RESOLUTION OF OBJECTION IN #1

CASE IS 6 MOS OLD

1. Objection by Atlantic Federal Credit Union (Saldutti) :
Creditor objects to debtor proposal to pay trade-in value of $3,900.
As of 12/27/2024 the loan balance was $11,635.17
>> Late filed claim by Atlantic Federal- NEEDS TOT BE ADDRESSED

2.Trustee objection:
-current Plan does not specify treatment of Thrift Investment 's
secured claim( 2010 MERCEDES) under the Plan - NOT RESOLVED TO DATE( arrears claim $364)


plan $300x60 base plan STD Loans outside
5/7 payments


---------RESOLVED ISSUES------------
debtor has new job(amended I filed and updated POI uploaded
- Need to amend Sch I and provide proof of income for new part -
time at Whole Foods - NOT PROVIDED TO DATE

- The debtor has failed to provide proof of service with respect to Plan Motion (s) - RESOLVED, FILED
- Need proof of service on First Atlantic FCU - RESOLVED, FILED
- The debtor needs to file Amendments to Schedules to add 2010 Mercedes - MK- owned by debtor's mother - debtor's co signor only
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-19264 / CMGPRO SEConfirmation HearingRecommend Confirmation - SUBJECT TO TERMSDebtor has made 5 of 7 required payments   Arrears: $868.00  
AS of 4/28/25(mk):Updated

>>Order submitted By Santander4/28/25:


**CAN REC CONFIRM AT $2,165 PTD Then $588 x 53 Begin 5/1/25 0%
Must file pre conf cert w/ in 10 days of confirming order.
Must file Application to retain special counsel and Motion to Approve Settlement with in 14 days.
Must file amended schedule C for law suit proceeds with in 14 days**


-----------------
4/11/25( AND 4/23/25 mk) emailed PI atty- need settlement sheet for PI case and he needs to fill out retention papers and debtor must file them.

>>Order submitted By Santander4/28/25:


Payment needs to go up . Need amended C for PI exemption

4/1/25(mk) spoke to PI atty case settled in 2023 debtor net 15,000 - needs amended C to claim as exempt- debtor was in a case in 2023- NEEDA MOTION TO APPROVE SETTLEMNENT
Mk: full amt w/ interest to santander is $23,500 int = 29,958.33- OTBS


AS of 3/13/25(mk):


341 hearing 3/13

1. Objection By Santander bank( W. Craig):
- plan does not propose to pay claim w/ interest


2. Trustee Objection:
- need information on settlement of law suit.
- Santander Bank filed a bifurcated claim which needs to be
resolved.
- Need to file Pre-Confirmation Certification.
-add lang. plan is a base dividend to unsecured creditors
-Need August and September bank statements for all accounts.

Plan:$433.33 X 60; PART 5 (NONE)
5/7 payments
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-19675 / CMGJoseph Albanese, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 10 of 7 required payments   Arrears: $0  

As of 4/22/25(mk):


work up on plan #19

**CAN REC CONFIRM AT $1,974 PTD THEN $200 X 53 BEGIN 5/1/25
BASE W/ MIN TO GUCS OF $4,438 DUE TO EQUITY IN PERSONAL PROPERTY. NEEDS FEE APPLICATION FOR ANY SUPPLEMENTAL FEES IN PLAN.**

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

1. Trustee Objection:
-Need proof of current income for debtor and spouse (Jan - March 2025)
to support amended I & J- DEBTOR on unemployment- ADD TO TERMS NEED UPDATED PROOF OF INCOME FOR DEBTRO 6 MOS FORM CONF.


Plan: PTD then 200 x 54 Base
current

Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-19908 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 2 of 6 required payments   Arrears: $5,000.00  
4/30 PEREMPTORY

AS of 4/23/25(mk):

2/6 payments arrears 5,000. last pay 3/11/25

>>MOTION TO MODIFIY IRS CLAIM FILED AND ON 5/21/25

3/14/25(mk): atty says has bank ck for full arrears and needs an appraisal to resolve Santander objection.


1. NewRez LLC dba Shellpoint Mortgage Servicing (McCalla Raymer) objection to confirmation -MP FILED 1/10/2025 PROPOSES TO PAY PARTIAL PAYMENTS TOWARDS ARREARS PENDING THE OUTCOME OF THE LOAN MOD APRIL 2025
- anticipated arrears $153,207.32
- plan only provides for payment of arrears in the amount of $99,000 - MODIFIED PLAN PROPOSES TO PAY $153,229.16
- proposing loan modification to cure arrears shifts the burden of going forth with a feasible plan to the creditor

2. Objection by Santander Consumer USA Inc (Eisenberg Gold)
- debtors proposed cramdown value of $12,178 for the 2018 Toyota
Sienna is too low.
- Santander objects to the Debtor' plan unless the Debtor pays an interest rate of 10/5% on the net balance of $22,650 over the life of the plan in order to adequately protect Santander for any risk of loss.
- Adequate protection payments to Santander beginning November 2024 at $226.50 per month and continue up to an after confirmation, until regular payments are to be commenced through the Plan to Santander.

3. Trustee objection:
- IRS claim(7-3) much higher at $52,565.25 as amended 4/23/25

plan $1400x6, $3607.57x54 base plan with loan mod by 4/2025
2/6/payments


-------RESOLVED-------------------------------
- Domestic Support Obligation information RESOLVED, INCREASED SCHEDULE J FOR HIGHER AMOUNT NOW BEING PAID
- Need September and October bank statements for account ending in 2948 per spouse's direct deposits. NOW PAYING $368/MONTH
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $280/month for alimony/support (need order/proof)
$600/month for car insurance. Need proof of excessive expenses 10 days prior to confirmation. RESOLVED, PROOF OF BOTH PROVIDED
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-20086 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 6 required payments   Arrears: $0  

Mk 4/30 peremptory

AS OF 4/17/25 (SF)

Note: There is only 1 creditor that filed a claim. Need status of DSO and then we can confirm. We need an address for the Recipient or probation

NEED PAY STUBS FOR WIFE'S NEW JOB (1 PAY STUB PROVIDED FOR SPOUSE. INCOME IS NEGATIVE ($3406.53)

AS OF 1/22/25(mk): Debtors are still unemployed. Wife will start a new job on 2/10.

>>THERE IS ONLY 1 UNSECURED CLAIM FILED IN THIS CASE FOR $2,386.11 . That and atty fee balance and per plan claim of Willingboro T'ship ( gov bar date 4/9/25

1.Trustee objection: debtor is 3/3 payments

-atty fee balance in disclosure($4750) and plan($3363) do not match- 1 of them needs to be corrected

- Need order terminating support obligation

- Need I and J to show unemployment (Debtor and Spouse are now unemployed)

-Income for debtor verified higher than scheduled. There is disposable net income in the amount of $1,283.25. (THIS IS A 100% PLAN)

-Form 122C-2 Line 5 states household size of zero used for calculations.

-Form 122C-2 Line 45 has disposable income of $8,145.

-There is $126,093 non-exempt equity in house (THIS IS 100% PLAN)

-Need to file Pre-Confirmation Certification with Court.


Plan proposes $285 x 60 100% Plan
Payments: 6/6


RESOLVED:
- Provide Trustee with current auto insurance policy (RECEIVED)




Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-20131 / CMGRussell L. Low, Esq.Confirmation HearingRecommend Confirmation - SUBJECT TO TERMSDebtor has made 9 of 6 required payments   Arrears: $0  

4/28/25 (DS): Need to confirm at $2,700 paid, $1,204 x 30 begin 5/1/25; Base with a min. div. $31,421 due to non-exempt equity;
- Section 4d and 7b to be stricken, no claim filed by Affinity FCU and mod plan not filed to add Affinity FCU to 4d.

As of 1/13/25 (DS); Debtor atty requested adj, request denied, does not provide homeowner insurance on the Dominican property.

1/15/25 (DS): 1. Trustee obj to the following:
- Must provide Deed on the property in Dominican Republic. The cert with respect to property owned by debtor in Dominican Republic is insufficient for Trustee to conduct a liquidation analysis and ensure that the estate is not at risk for lack of insurance. TRUSTEE WILL PUT DEED AS 100% INTEREST FOR DEBTOR, THERE IS NO NON-EXEMPT EQUITY.
- Bank statement provided from Associacion Popular shows that there is non-exempt equity $31,421 in the acct from filing date.
- Income verifies higher than scheduled amount. There is $931 disposable income.
- Sched J includes a monthly food expense of $1,400. The 23-yr old, 18-yr old and 12-yr old do not reside with debtor. Spouse and 2 month-old baby reside with debtor.
- Plan has Affinity FCU on Part 4g to be paid in full and in Motions on Part 7b secured to completely unsecured. Need a mod plan to specify if it is to pay in full or stays in motions, but will need to also be put on Part 4d. ALSO WILL NEED SERVICE IF MOTIONS. RECOMMEND STRIKING AND NOT PAYING, NO CLAIM FILED AND NO MOD PLAN TO CORRECT.

Prop Plan $300 x 36 begin 11/1/24; Base
Note: UPDATED DSO PROVIDED WITH SAME ADDRESS, BUT ADDS APT. Affinity FCU statements provided.
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-20154 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledContinued
6/11/2025 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

AS OF4/17/25 (SF) BELOW ISSUES STILL APPLY

Debtor has new job. Need current pay stubs. Also need amended claim for Atlantic Health Partners

1. Atlantic Health Partners LLC filed a bifurcated claim 11-1. $80,949.04 priority and $31,127.23 unsecured. This claim is not addressed in the plan. (HOW SHOULD THIS CLAIM BE PAID?)

2. Trustee objection:
-NO income for debtor from Podiatrist practice was provided- 341 testimony indicated he was d still practicing- NEED Clarification and POI- Business income(Suppl obj filed)
- There is $76,386 non-exempt equity in debtor's home.
-WHAT IS STATUS OF THE REFI?

Plan proposes $200 X 36 Base; Refinance by 6/1/25
Payments: 6/6

------------RESOLVED---------------
- need to provide HOI renewal, policy provided expires 12/14/2024-PROVIDED

fti: ORDER RESOLVING OBJ. TO CONFIRMATION BY AMERICAN NEIGHBORHOOD MTG SUBMITTED 12/4; TERMS=pay arrears claim 3,967.95 thru plan
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-20670 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 5 of 6 required payments   Arrears: $1,570.00  
MP FILED AND AMENDED I & J w/ unemployment and rental income


4/15/25(mk) MFR by Select Portfolio(RAS) on 5/21/25 POST PET ARREARS AS OF 4/21/25 $1,570.46

4/25/25(mk):>>DUE TO FILED CLAIMS PLAN PAYMENT NEEDS TO INCREASE TO $2,414 X54 NOT FEASIBLE -debtor on unemployment now so even less income

3/20/25 AMT: INTERIM SCH ORDER TO CHAMBERS/7 DAY<>

Mk: 4/30 Peremptory - with Sch order entered 3/28/25:
10 days prior to the date of the rescheduled Confirmation Hearing:

- Statement showing the 401(K) loan balance(NOT DONE)
- Resolve the objection of Ajax(NOT DONE)
------Below was provided ---------------
- Updated Proof of Income(unemployment provided 4/25/25)
- File amended Schedules A, B, and C to add values of autos and take
exemption for residence(FILED)
- File Pre-Confirmation Certification(FILED)

Trustee shall provide a Certification of Default
seeking dismissal of the case should debtor not complete all of the above requirements within the
time frame provided for in this Order, with notice to debtor and debtor's counsel, and debtor
shall have 7 days to respond.


1. Objection filed by Ajax Mortgage (Stern & Eisenberg) - failure to cure full arrears of $104,059.81 (Per POC) Plan proposes to pay $69,476. (UNRESOLVED)- atty will pay this

2. Trustee's objection:
- debtor failed to provide the following document (s):
- Balance statement from 401(k) loan prior to filing date. (NOT
RECEIVED)

- Must file Pre-confirmation certification. ( FILED)

Plan proposes: $1,570.46 x 60 beginning 11/1/2024, base
Payments: 4/6, arrears $1,570.46

------------------RESOLVED ISSUES--------------------
- Amendments to Schedules A/B and C to add values of cars and take exemptions for residence. (filed)
Capital One Auto Finance filed a secured arrears claim in the amount of $1,303.76 which is not in the plan. Is the debtor going to pay this claim? MK; yes will pay

- PLAN proposes to pay secured claim to MRC/UNITED WHOLESALE/6 Marie Street (Mtg) in the amt of $11,8
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-21032 / CMGJohn H. Anlian, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 5 required payments   Arrears: $3,000.00  
As of 4/23/25(mk)

MFR filed By Santander( Eisenberg) on for 5/21/25

>>NO SHOW AT 341 HEARING ON 4/17/25
2/5 PAYMENTS. LAST PAY 1/24/25


----------


1. 341 has been scheduled for 4/17/2025. (READY)
2. Payments: 2/4, arrears $2,000


>>Objections by Nation Star( McCalla) and Harley Davidson( Stewart legal)

Plan calls for sale of real property. arrears on a motor cycl $5,960.42
Mtg arrears 182,068 and guc debt total is $9,520.89 Bar date passed Base plan
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-21192 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 5 required payments   Arrears: $0  

issues as of 4/25/2025 (JMA)

1) Amended Schedule J includes a $350 expense for PA property expenses
2) Trustee objection to confirmation - need to resolve
- Plan provides for unclear treatment of secured creditors claims.
- Plan proposes to refinance the property without a proposed completion date for said refinancing.
3) Deutsche Bank (RASC) objection to confirmation - need to resolve
- The pre-petition arrearage due to the Secured Creditor is $142,703.47, whereas the Plan proposes to pay only $0.00
- The Plan also proposes to cure the pre-petition arrears through a loan modification has not been offered or approved by Secured Creditor. Based upon the Debtor's schedules, modification of the loan is a remote and highly speculative proposition.
4) Need to file Pre-Confirmation Certification with Court

proposed plan $208x38 loan mod 6/2025 100% plan
paid in $1,040
last claim 4-1
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-21305 / CMGErik M. Helbing, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 1 of 5 required payments   Arrears: $315.00  
AS of 4/11/25(mk): email to atty-ok to terms

work up on MP before conf #25
PLAN ARREARS AS OF ABOVE DATE $314.50 SO

**CAN REC CONFIRM AT $488 PRD Then $443 x 55 Begin 5/1/25 Base w/ min of $16,962 to gucs due to equity in real property***



Plan: $91.50 X 4; $436.50 X 56; MIN $16,962.88
arrears $314.50
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-21455 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 4 of 5 required payments   Arrears: $4,550.00  
As of 4/21/25(mk):

CASE NOW 5 mos old

100% and 109(e) guc total $1,675,086.95- NORT FEASIBLE


1. Wells Fargo (BROCK & SCOTT) obj arrears owed, POC filed with arrears $753.50. Must resolve obj.

2. Secured judgment lien claim filed by Cavalry SPV for $29,388.13. Plan propose 100%, Trustee ok to pay?

3. Wells Fargo (1st mtg) filed arrears claim $1,297.68. Trustee ok to pay?

4. Trustee obj to the following:
- There is non-exempt equity in the residence $208,856.
- Must resolve Wells Fargo obj.
- Must file Pre-confirmation certification.
- Amount of debt in the debtor's Plan exceeds the statutory limit for unsecured debt pursuant to 11 U.S.C. ? 109(e) with total filed $1,675,086.95.

Prop Plan $4,550 x 60 begin 12/1/24; 100%
4/5 payments
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-21476 / CMGPRO SEOrder Vacate Dismissal of CaseContinued
6/11/2025 10:00 am
Debtor has made 1 of 5 required payments   Arrears: $4,000.00  
this is a confirmation hearing
case is 100% and bar date is may 27
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-21498 / CMGDavid L. Stevens, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 5 required payments   Arrears: $14.00  
AS of 4/24/25(mk);email to atty w/ revised terms- ok to terms

**NEEDS TO CONFIRM AT $14,111.01 PTD THEN $5,000 x 7 Begin 5/1/25 THEN $8,445 x 32 Begin 12/1/25 THEN $9,295 x 16 Begin 8/1/28 BASE w/ min $17,074 Due to Equity In Personal property. The plan payments include the monthly mortgage conduit payments. Must file Pre-Confirmation Certification with Court within 10 days of confirmation. Attorney fee application must be filed w/in 7 days of confirming Order**
----------------------


AS of 4/24/25(mk);

**NEEDS TO CONFIRM AT $14,111.01 PTD THEN $6,370 x 7 Begin 5/1/25 THEN $8,245 x 32 Begin 12/1/25 THEN $9,095 x 16 Begin 8/1/28 BASE w/ min $17,074 Due to Equity In Personal property. The plan payments include the monthly mortgage conduit payments. Must file Pre-Confirmation Certification with Court within 10 days of confirmation. Attorney fee application must be filed w/in 7 days of confirming Order**


CONDUIT CASE

Must file Pre-Confirmation Certification with Court within 10 days of confirmation
Atty fee application must be filed w/in 7 days of confirming Order

Plan: $2,825x12, $4,025x32, $4,875x16 with minimum base $17,074 to general unsecured creditors


-----------------RESOLVED--------------------

-Trustee objection :plan is now 100%(16,438.19 GUC claims total
- Need information on Mother's estate- Need a copy of the Will and information about the estate.
- Debtor took out a pension loan in Sept. 2024 for $36,240 and spent it then filed this case in November 2024. need certification and back up documentation as to what the funds were spent on. NOT PROVIDED
Provided a copy of the Last Will and Testament of Phyllis Wlazlo.
US Bank (Padgett Law Group) objection to confirmation - need to resolve -total claim $179,637.65 - CONSENT ORDER DEBTOR PAYS $179,637.65 THROUGH PLAN RESOLVING OBJECTION
- There is $17,074 in non-exempt equity in the personal property -
100% total claims $16,438.19
- Debtor's attorney must file a fee application within 7
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-21559 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 5 required payments   Arrears: $0  

As of 4/25/25(mk): Per Note below- email from atty: debtor to make 1 time payment 100,000 ASAP to reduce the monthly TR payment. TOLD ATTY to have him pay it ASAP so it can post and then case can be worked up.


4/9: debtor can't afford payments- has family member may give $ to debtor for plan-atty to email where debtor is at 7 days before conf- how much $ is available

------------------
AS of 4/7/25(mk)Updated: email to atty

**CAN REC CONFIRM AT $17,140 PTD THEN $4,655 x 55 begin 5/1/25 100% Preserve equity T/H of $340,115 in real and personal property.
OTBS w/in 14 days resolving the objection by Ocwen/Deutsch bank to pay claim #3-1 in the total amt of 240,606.17 through the plan**



1. Trustee obj:
- Amend Sched J to add mortgage payment.
- There is non-exempt equity in the residence $315,499, Bank acct $19,616 and Business $5,000 total $340,115. 100% Plan

Prop Plan $3,428 x 60 begin 12/1/24; 100%
Note: Business Form and P&L provided. Disposable income $4,212.95 and Tax refund no issue as plan is proposing 100%

------------------------RESOLVED-----------------------------
Ocwen (CORY WOERNER) obj to arrears owed are more than plan arrears. POC filed with arrears $197,253.72. Obj must be resolved.
RESOLVED:OTBS=187,679.35 @ 8.5% x 60 months = $231,031.80 Pre-petition interest = $3,607.97 Pre-petition fees $5,966.40 Total payable through plan = $240,606.17


Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-21858 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 4/22/25 (SF)


RECOMMEND $3,400 PTD, $1,167 X 44 (BEGIN 5/1/25) BASE PLAN W/MIN $18,225 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATEN PERSONAL PROPERTY
- CLICK LEASE IS REJECTED AND PROPERTY IS SURRENDERED
- TRUSTEE STANDARD ORDER OF DISTRIBUTION


1. Trustee objection:

- Need proof of insurance for the 2015 Lincoln. (IS THIS AN ERROR IN THE PLAN? THE CLAIM WAS FILED FOR A 2019 LINCOLN) MP FILED

- Verified income leaves monthly disposable income of $1,902.41.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $5,190.00
when determining disposable income.

- There is $13,176 in non exempt equity in the residence.

- There is $5,049 in non exempt equity in the bank accounts.

3. Confirm with Trustee Standard Order of Distribution


Plan proposes $850 x 60 Base
Payments: 4/4

RESOLVED:
- Need to file Pre-Confirmation Certification. (FILEDD)


Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-21979 / CMGBarbara J. Snavely, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 3 of 4 required payments   Arrears: $6,000.00  
AS of 4/25/25(mk):UPDATED

6,000 due to post today. That leaves 1 payment of 6,000 due to be current thru April.

NO HOME INSURANCE FOR WHITMAN PROP/

>>2/4 payments(Arrears= 12,000) NOTHING RESOLVED

1. State of NJ - Dept Labor (Thomas J. Swan) objection:
- creditor requires full payment of plan
- deny confirmation of Plan

2. Bank New York (RASC) objection to confirmation - need to resolve
- Property 55 Country Club Road
- plan is unclear regarding the payment of adequate protection payments/gap payments to secured creditor in that amended plan was to have conduit payments to be made per Trustee. Secured creditor objects to the plan and seeks clarification as to debtor's intentions, with regard to the subject property and claim.

3. US Bank (RASC) objection to confirmation - need to resolve ORDER RESOLVING SECURED CREDITOR'S OBJECTION TO CONFIRMATION WAS FILED 2/13/2025 AND STATED CLAIM WILL BE FILED BEFORE BAR DATE, BAR DATE PASSED 2/13/2025, NO CLAIM FILED
- Property 1256 Whitman Avenue
- Plan fails to treat this property, it is not listed on Schedules A/B, C
or D
- Creditor estimates pre-petition arrears in the amount of $24,577.58 - NO CLAIM FILED, BAR DATE PASSED 2/13/2025 (in plan as Selene
Finance)

4. IRS priority claim #7 filed for $646,055.50, secured IRS claim #7 $30,210 -109(e) issue

5. State of NJ, Division of Taxation priority claim #9 filed for $350.91, secured claim $8,953.56

6. Bank of America claim 9-1 (business car lending) filed secured claim 12 in the amount of $1,234.97 - not provided for in the plan


7. Trustee objection :
- Need A copy of the homeowner's insurance renewal declaration - for
WHITMAN property. Need mortgage statement for Camden property
if no POC has been filed. NO CLAIMS FILED AND BAR DATE PASSED .

-Need copy of the deed - for Camden property. NOT PROVIDED TO
DATE

-REALTOR NEEDS TO BE RETAINED FOR SALE OF WHITMAN PROP.

- Need Amendments to Schedules A, C and D to list Camden propert
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-22010 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledMootDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $3,280.00
AS OF 4/24/2025 (at):

Modified plan before confirmation already confirmed on 4/9/2025.
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-22042 / CMGAllen I. Gorski, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

AS of 4/22/25(mk)

>>NEED to resolve the NJ Estimated unsecured claim , then case can be worked up.


AS OF 3/19/25 (SF) CASE REMOVED FROM HONOR ROLL AS THE STATE OF NJ UNSECURED CLAIM 7-2 IS ESTIMATED

Also corrected payment amount to reduce attorney fee to $7762.50 per pending fee application.


AS OF 3/18/2025 (at):

RECOMMEND: $1,400 PAID TO DATE, $835 x 57 BEGINNING 4/1/2025, 100% PLAN
- Preserve non exempt equity of $43,991 in real estate.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
- Debtor's property shall be vested upon confirmation.
- The trustee shall pay the arrearage amount of $906.78 to Capital One Auto Finance, claim #5. No distributions shall be made on the bifurcated secured and unsecured portions of the proof of claim.

Trustee's objection:
- The debtor has insufficient income.
- The debtor has failed to supply the Trustee with the following document (s):
- Per Schedule I, monthly income for debtor's business is $4,600.00. Per P&L provided,
monthly income is $515.58. Needs explanation. (NO EXPLANATION RECEIVED)
- Need November and December bank statements for TD account 9271, Credit Union of NJ
account and Wells Fargo account 763. (NOT RECEIVED)
- Car payment, mortgage payment, utilities, insurance, and money to nephew are all on
the P&L and Schedule J. Need amended P&L. Or debtor certification explaining this. (NOT RECEIVED)

RESOLVE ISSUES:
- The State of NJ Division of Taxation filed an estimated claim which needs to be
amended. (NO LONGER ESTIMATED)
- A Modified Plan that completes part 8a. (vesting of estate ) (LANGUAGE ADDED)
-For cap one Bifurcated claim: add lang to terms to pay arrears amt No payment on
secured or unsecured portions of the claim (LANGUAGE ADDED)
- add language that property vests at confirmation. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-22371 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
5/21/2025 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $435.00  
4/25/25(mk) email to atty- case on HR BUT after worked up and terms accepted, motion filed to to modify IRS POC on for 5/21/25 which will impact plan. This is ADJ to 5/21 to rework the numbers depending upon mtion outcome



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

AS of 4/23/25(mk): email to atty-ok to terms

**CAN REC CONFITM AT $1,318 PTD Then $601 x 56 Begin 5/1/25 BASE. Trustee is authorized to pay the late claim #8-1 WESTLAKE SERVICES, LLC as treated in the plan for a cram to $4,818.91.
Trustee is authorized to pay the priority claim # 2-1 OF INTERNAL REVENUE SERVICE in the amount of $2,851.09 through the plan.
OTBS w/in 14 days resolving the objection of Capital One Auto Finance and paying a total of $21,385.29 through the plan**


Prop Plan $438.31 x 60 begin 1/1/25; Base
3/4 payments


--------RESOLVED---------------
- The service to Westlake was not done properly, serves PO Box, must serve at street address. POC filed with a street address. Must serve Westlake to address on claim. FILED

Capital One (REGINA COHEN) obj to cram. PER CREDITOR RESOLVED;
settled for $18,000 at 7% interest for a total of $21,385.29 and we are circulating a consent order.

IRS filed priority claim for $2,851.09. Plan had -0- Trustee ok to pay
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-22503 / CMGDavid G. Esposito, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 4 required payments   Arrears: $0  

AS OF 4/17/25 (SF) MP FILED JUST FILED AND SCHEDULED FOR 6/11/25

1. Trustee objection: Modified plan makes no sense.

- Plan is not feasible. No proof of rental income provided (Need copy of leases and cancelled checks)

- Part 3a lists all of the debt for secured priority and unsecured

- Part 4 proposes to cure arrears to Fay Servicing and Part 4g proposes to pay in full

- The plan fails to provide for a prompt sale/refinance of the debtor's real property (Debtor proposes to sell vacant land in Philippines and a reverse mortgage on residence but co-debtor has to reach age 80 before she can apply for reverse mortgage which I assume will be in 2027.

- Schedule C was amended and is still blank.

- The debtor has insufficient income disposable income verifies $ -1. How are debtors'
funding the plan payments?.

- Need 2 months bank statements from Wells Fargo acct#1195 prior to filing date, docs
provided are up to 5/23/24. (Still need copy of November 2024 Statement)

- Need amendments to Schedules B to add values of electronics and clothing and amended
Schedule C to take proper exemptions for all assets.

- The current Plan does not specify treatment of NJ Dept of Labor $530.15 under the Plan. (In plan as priority but filed as secured)

- There is non-exempt equity in the residence $222,292, 1st Property in Philippines $32,021,
2nd property in Philippines $41,950, 3rd property in Philippines $40,409, 2012 Ford $20,000
and all other personal assets, estimated to be $9,095.

- Add to confirming order non-exempt proceeds from sales of Philippine properties to
Trustee.



Plan proposes $2,000 x 12; $2300 x 24; $2400 x 24; Sale of property in Philippines by 4/2026 and Refinance (reverse mortgage) by 7/2027 100% Plan
Payments: 1.8 of 4 Arrears: $4400


RESOLVED:
- Must file Pre-confirmation certification (FILED)
- Need a copy of the homeowner's insurance renewal declaration - with personal liability
coverage. (RECEIVED)
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-22631 / CMGJohn A. Lipowski, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 4 required payments   Arrears: $150.00  Total Paid In: $2,350.00
AS OF 4/24/2025 (at):

1. Trustee's objection:
- Excessive expenses on Schedule J: $1,000/month for food for one, $650/month for transportation, $200 for clothing, $100/month for gambling.
Need proof of excessive expenses.
- Need updated income for the debtor.

MP proposes: $600 x 2, $950 x 1, $800 x 57, base
Arrears: $150
(car loan being paid through the plan)



Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-22723 / CMGAndy Winchell, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 4 required payments   Arrears: $0  

AS of 4/21/25(mk):email to atty-ok to terms


**CAN REC CONFIRM AT$3,200 x 60 Begin 1/1/25 100%
Preserve equity t/h in real property of $186,999.
Plan is 100% and non modifiable per consent of the debtor.
Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. Part 8(a) of the plan shall be modified to provide that the Debtor(s) property shall be vested upon confirmation**



1. Trustee objection:
LANGUAGE ADDED THAT SAYS: Part 8(a) of the plan shall be modified to provide that the Debtor(s) property shall be vested upon confirmation.
- Debtor must provide proof that Trustee was added as loss payee to all motor vehicle and real estate insurance policies based upon vesting at discharge or the confirming order must provide for vesting at confirmation NOT PROVIDED TO DATE-

plan $3,200x60 base
4/4 PAYMENTS

--------------RESOLVED----------------------------
4/9/25(mk) This is supposed to be a 100% plan and that is the way it needs to be worked up
-ATTY WILL AGREE TO NON MODIFIABLE PLAN AT 100% and need cert from debtor as to sp not prov. income info

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

resolved by making plan 100% and non modifiable
- Need to provide proof of 2 month's income for the debtor's spouse
NOT PROVIDED TO DATE
- Need a certification from the debtor explaining the $362,381 in
deposits into PNC Bank acct between 10/18/2024 and 11/18/2024.
NOT PROVIDED
- debtor is not paying all disposable income into the plan.: Verified income leaves monthly disposable income of $4,122.65
- The circumstances and contents of the debtor's Plan, when taking in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. 1325(A)(3). The debtor has continued to gamble during the pendency of this case and failed to disclose spousal income.
- There is $186,999 in non-exempt equity in the r
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am24-22771 / CMGRoger J. Yehl, Esq.Confirmation Hearing on Modified PlanContinued
6/11/2025 10:00 am
Debtor has made 8 of 4 required payments   Arrears: $0  

AS OF 4/17/25 (SF)

1. IRS filed estimated priority claim 11-1 (Need amended claim)

2. Trustee objection:

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$275/month for cable/internet/phone and $75.50/month for phone on P &L
$1,050/month for food and $76/month for food on P &L (FOOD AMENDED TO $650, $400 IS ALLOWED)
$325/month for clothing (AMENDED TO $250, $100 IS ALLOWED)
$175/month for personal care
$550/month support for son and granddaughter
Need proof of excessive expenses 10 days prior to confirmation.

- Need Certification from debtor regarding disposition of proceeds from sale of property in 2022. (Debtor received $113,546.14. Cert provided only accounts for an estimated $50,000. No proofs of payments provided)



Plan proposes $400 x 60 Base
Payments: Current $2600 received

RESOLVED:
- Need to file Pre-Confirmation Certification. (FILED)
- Need November and December bank statements for TD account #6564 or closing
statement. (RECEIVED)
- Need statements for the Mass Mutual and Guardian whole life insurance policies. E (RECEIVED)
- The debtor has insufficient income . (SCHEDULES I AND J AMENDED)



Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10052 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $3,050.00  
UPDATED 4/28/2025 (JMA)
issues as of 4/23/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- Need November and December bank statements for all accounts owned by the debtor. SCHEDULE A/B DOES NOT INCLUDE BANK ACCOUNTS. HOW IS DEBTOR MAKING PAYMENTS?
2) Not current with Trustee plan payments, arrears $3,050

proposed plan $3,050x60 0% plan
paid in $6,100
arrears $3,050
last claim 6-1

RESOLVED ISSUES:

- A copy of the homeowner's insurance renewal declaration - RESOLVED, PROVIDED
- Need updated car insurance. Policy provided expired on 2/9/2025. RESOLVED, PROVIDED RENEWAL
- Need to file Pre-Confirmation Certification - RESOLVED, FILED
- Proof of 2 month's income - all of November and December pay stubs. RESOLVED
- A copy of the last filed tax return - 2024 by 5/15/2025 - RESOLVED, PROVIDED 2024 RETURN
- The IRS filed an estimated claim which needs to be amended. RESOLVED
- Need proof of income for both contributors - RESOLVED, PROVIDED
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10055 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 4/28/2025 (at):

RECOMMEND: $600 PAID TO DATE, $1,200 x 57 BEGINNING 5/1/2025, 100% PLAN
- Preserve non exempt equity of $150,384 in real estate.
- Low base pending refinance.

NEED HOMEOWNER'S INSURANCE
.EXP 4-18

1. Lakeview Loan Servicing filed a secured arrears claim in the amount of $1,773.87 which is not in the plan. Are the debtors going to pay this claim? (PER ATTY, PAY)

2. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - policy expires 4/18/2025,
if not confirmed need to provide renewal. (NOT RECEIVED)

RESOLVED ISSUES:
-When does debtor expect to collect income from new job? Need to provide paystubs to Trustee. (PAY STUBS RECEIVED)
- Both debtors claim an exemption under 5229d0(11)(D). need information on the lawsuit to
determine if this is a Joint asset or only the asset of one of the debtors. (PER 341 TESTIMONY CLAIM WAS DISMISSED)
- The debtor has insufficient income significantly negative income, plan not feasible. (CURRENT WITH TRUSTEE PAYMENTS)
- 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 $150,384.45 non-exempt equity in the debtor's home. However, the house was severely damage in fire and not liveable. (LANGUAGE ADDED)

Plan proposes: $200 x 60 beginning 2/1/2025, refinance of 1 Andrea Way by 1/1/2027, 100% plan
Payments: 2/2
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10096 / CMGShmuel Klein Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $110.00  
4/14/25(mk) adj request uploaded by debtor atty: does not have creditor consent - so DENIED for now
wants 6/11/25 so the motions in the ADV Pro are heard first


Adv pro - has motions to Dismiss and motions to seal on for 5/13 25 at 10am

As of 4/14/25(mk)

1. Trustee Objection:
- Adversary proceeding filed by debtor against George Herzka. Need
outcome.
- None of the income letters are certified.
- certification from debtor as to Bank account closing with date and
address how she handles the money she receives and how does she
pay bills ?
- proof of payment for rent lease or certification from landlord. debtor
testified the rent is $4,200 per month. Sch J says $500. Needs
explanation
- Need to file Pre-Confirmation Certification.
-Needs TR std order of distribution.
- need fee app for hourly fee 7 days frorm confirming order
- Need most recent full statements for Lakeland Bank #8506(mk: debtor testified has not had a bank acct since 8/2022)

Plan:$110 X 36; BASE
2/3 payments
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10116 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 4/28/2025 (at):

RECOMMEND: $4,950 PAID TO DATE, $1,841 x 57 BEGINNING 5/1/2025, BASE
- Claims will be paid according to the trustee's order of distribution.
- Preserve non exempt equity of $7,397 in personal property.

1. Objection filed by Loan Depot (Frenkel Lambert) - failure to cure full arrears of $30,126.64. Plan proposes to pay $24,597.83. (RESOLVED - PAY PER POC)

2. Trustee's objection:
- GM Financial has possession of the 2022 Chevrolet Blazer, creditor requires stay relief in
order to secure, process and sell it

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - policy provide expired
3/8/2025, need to provide renewal (RECEIVED)
- car insurance for 2016 BMW expired 3/6/2025, need to provide Trustee with renewal (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- there is $7,397.76 non-exempt equity. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification with Court. (FILED)

Plan proposes: $1,650 x 60 beginning 2/1/2025, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10159 / CMGScott J. Goldstein, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 2 of 3 required payments   Arrears: $370.00  
AS OF 4/25/2025 (at):

1. 341 has not been held or rescheduled.
2. Payments: 2/3, arrears $370

4/30/25: MOTION TO W/D AS ATTY FOR DEBTOR
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10164 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 3 required payments   Arrears: $0  

As of 4/24/25 (DS): If obj resolved with atty and obj creditor to pay claim, need to confirm at $7,176 paid, $2,691 x 57 begin 5/1/25; 100% with a min. div. $243,750 to gucs;
- Trustee standard order of distribution.
- Within 7 days must file Pre-confirmation certification.
- COTBS with Selene mortgage to pay arrears $112,555.39 within 30 days.

1. Trustee obj to the following:
- Updated auto insurance, if not confirmed, insurance expires 4/28/25 and 2024 Tax Return, if not filed can add to confirming order.
- 22c has disposable income $1,319.58.
- There is non-exempt equity in the residence $134,156, 2018 Chevy $19,290, Firearms $1,025, Cash $50, Checking acct $89,151 and Savings acct $78 total $243,750.
- Need Trustee standard order of distribution.
- Must resolve creditor objection.
- Must file Pre-confirmation certification.

2. Selene (CORY WOERNER) obj arrears owed are more, POC filed arrears $112,555.39. Must resolve obj.

Prop Plan $2,392 x 60 begin 2/1/25; 100%
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10167 / CMGFrederick J. Simon, Esq.Confirmation Hearing ScheduledContinued
6/11/2025 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $12.00  
AS OF 4/24/2025 (at):

NEED HOMEOWNER'S INSURANCE.
SUBMITTED BUT EXP 5-9-25

1. Objection filed by Carrington Mortgage (Hill Wallack) - failure to cure full arrears of $58,600.13 (Per POC). Plan proposes to pay $58,792.18. (OBJECTION SHOULD BE WITHDRAWN)

2. Trustee's objection:
- The debtor has insufficient income. Verified income leaves monthly disposable income of $559.43.
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2024 by 5/15/2025. (NOT RECEIVED - LANGUAGE ADDED)
- A copy of the homeowner's insurance renewal declaration - that includes liability coverage. (NOT RECEIVED)
- Need a statement for the debtor's 401k loan. (NOT RECEIVED)
- A Modified Plan that completes part 8d. (post petition claims) (MOD PLAN NOT FILED)
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need proof of wife's income at Wawa and updated schedule I (NOT RECEIVED)

RESOLVED ISSUES:
- Need to resolve objection by Carrington Mortgage. (LISTED ABOVE)
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 $29,544 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $20,024 in non exempt equity in the vehicles and bank accounts. (LANGUAGE ADDED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION)

Plan proposes: $1,122 x 60 beginning 2/1/2025, 100% plan
Payments: 3/3, arrears $12
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10182 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 4/23/25 (SF)


1. Objection filed by Wilmington Savings Fund (Caine) - The plan incorrectly identifies creditor as Citibank; failure to propose prompt sale date; failure to pay total debtor claim in the amount of $208,519.45.; speculative sale; contingent on a short sale

2. Toyota Lease Trust filed arrears claim 4-1 in the amount of $451.50 which is not provided for in the plan (Motion for Relief by Toyota Motor scheduled for 5/21/25 at 9)

3. Trustee objection:

-Excess expenses $500/home maintenance; $425/telephone services etc; Estimated Federal and State NJ income tax - need to provide proof of payments in the amount of $3,000 and $500.

4. Must file pre-confirmation certification

Plan proposes $500 x 60 Base; Sale by 1/1/26
Payments: 3/3


RESOLVED:
- Objection filed by US Bank (Carlon) - failure to pay arrears of $281,243.89 and speculative sale (RESOLVED FYI: Order submitted resolving objection by US Bank(KML) obj to conf. TERMS= sale by 8/31/25. Debtor to make reg payments to lender pending sale.)
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10260 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
5/21/2025 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $1.00  
AS OF 4/23/2025 (at):

1. Objection filed by New Rez/Shellpoint (Stewart Legal) - failure to cure full arrears of $9,612.06 (Per obj - no POC yet). Plan proposes to pay $1,921.37. (UNRESOLVED)

2. Objection filed by Systems & Services/Medallion Bank (Stewart Legal) - objecting to valuation of $3,900. Creditor values collateral at $4,700 and interest rate of 0% is too low. Creditor wants 9.5%. (UNRESOLVED)

3. Objection filed by One Main Financial (Stewart Legal) - objecting to valuation of $15,500. Creditor values the 2022 Kia at $30,075 and the interest rate of 6% is too low. Creditor wants 9.5%. (UNRESOLVED)

4. Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s):
- Disposable income verifies $1,008.
- The case is a Joint case and the plan filed fails to check off the box for joint administration in part 1e. This plan needs to be withdrawn and a new plan filed checking off that box for Joint administration. (MODIFIED PLAN NOT FILED)

RESOLVED ISSUES:
- Balance statement from debtor's 401(k) loan prior to filing date. (RECEIVED)
- Must file Pre-confirmation Certification. (FILED)
- The debtor has failed to provide proof of service with respect to Plan Motion (s). (CERTIFICATION OF SERVICE FILED)
- The current Plan does not specify treatment of US Dept of HUD under the Plan. (PAY OUTSIDE)
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - for 2024 by 5/15/25. (RECEIVED)
- Add to confirming order Debtors to provide updated proof of income from landscaping
business and employment by 7/2025.(LANGUAGE ADDED)

Plan proposes: $468.53 x 60 beginning 2/1/2025, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10345 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 3 required payments   Arrears: $200.00  
As of 4/24/25 (DS): 1. State of NJ filed estimated tax claim, 2018, 2020 and 2021 Tax returns not filed.

2. BELOW ISSUES REMAIN UNRESOLVED.

As of 3/14/25 (DS): Debtor atty requested adj to resolve estimated tax claims

3/19/25 (DS): 1. Trustee obj to the following:
- Must provide DSO Info form.
- Disposable income verifies $575.
- Must file Pre-confirmation certification.

2. State of NY filed estimated claim, 2018 not filed. Must resolve claim.

3. IRS filed estimated tax claim, 2020, 2021, 2022 and 2024 not filed. Must resolve claim.

Prop Plan $100 x 55 begin 2/1/25; Base
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10458 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 3 required payments   Arrears: $0  

UPDATED 4/28/2025 (JMA)

ok to confirm at $5,364 paid to date, $1,990x57 begin 5/1/2025 100% plan

issues as of 4/25/2025 (JMA)

1) 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): Form 122c-2 Line 45 $3,835.33 which requires minimum $230,119.80. THIS IS 100% PLAN
- Disposable net income on Schedules I&J is $5,350.54 - THIS IS A 100% PLAN
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): $1,000 household goods; $13,959.30 TD Bank acct; $7,674 tools; TOTAL NON-EXEMPT EQUITY $22,633.30
- Bank balance as of 12/17/2024 $18,959.30, higher than scheduled balance (100% PLAN)
- Need to file Pre-Confirmation Certification with Court ADDED TO CONFIRMING ORDER
- Any dismissal should prompt a 180 bar to re-filing due to several other recent bankruptcy dismissals

proposed plan $1,788x60 100% plan
paid in $5,364
last claim 2-1
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10546 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 3 required payments   Arrears: $0  

As of 4/24/25 (DS): Need to confirm at $450 paid, $1,352 x 57 begin 5/1/25; 100% to gucs;
- Add to confirming order Trustee ok to pay IRS claim#4-3 $11,740.22.
- Within 7 days must file Pre-confirmation certification.
- Debtor to provide 2024 Tax return no later than 5/31/25.

1. IRS amended their priority claim for $11,740.22, not in plan. Trustee ok to pay?

As of 3/14/25 (DS): Debtor atty requested adj to allow more time to resolve obj.

3/19/25 (DS): 1. Trustee obj to the following:
- Excessive expenses on Sched J: $500 Home maintenance (Rents apt), $600 Transportation, $1,076 Support payments (Must provide order for support) and $400 Auto insurance (Verifies $270).
- Disposable income verifies $342, deducting excessive expenses would be $1,918.
- Must file Pre-confirmation Certification.
- Reviewing 22c, due to case being above median there are also excessive expenses on Line 11 $754 (takes 2 or more for transportation (Should be $377 for 1 car), Line 19 $1,000 Court ordered support (Must provide order), Line 23 Childcare $500 (None on 2023 Tax return and child not dependent, but child of Debtor), Line 29 Education expenses $189 (Must provide proof), Line 30 Additional food/clothing $49, which would leave disposable income $2,179, which would require min. div. $130,740 to gucs. RECOMMEND WAITING PASS BAR DATE 3/31/25.

2. Must provide 2024 Tax return.

Prop Plan $150 x 60 begin 2/1/25; Base
Note: DSO Info Form and TD Bank statements from accts#3030 and #7139 belongs to person on DSO Form provided. Debtor Expenses for entertainment is ok.
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10547 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
6/11/2025 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 4/23/25 (SF)

1. Objection filed by US Bank (Egerman) - failure to pay arrears of $50,372.89

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

3. State of NJ filed estimated priority claim 7-1 (NEED AMENDED CLAIM)

4. Trustee objection:

- Need Proof of 2 month's income - form non filing spouse.

- Need a copy of the last filed tax return - 2024 by 5/15/2025.

- Need Amendments to Schedules I to list spouse's income

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$500/month for home maintenance
$1,000/month for food for two
$300/month for entertainment
Need proof of expenses 10 days prior to confirmation. EXPENSES ARE ALLOWED AS LONG AS CASE IS 100%

-Verified income leaves monthly disposable income of $2,186.70.

- Reviewed the 22c, Line 20 (education) requires documentation and Line 23 (optional
phone) requires documentation. Per the 22C, monthly disposable income is $2,516 which
requires a minimum dividend of $150,960 to general unsecured creditors. (Plan is 100%).

- There is $64,514 in non exempt equity in the residence.

- There is $33,000 in non exempt equity in the bank account.

- Need to file Pre-Confirmation Certification.

- trustee standard order of distribution.


Plan proposes $1504 x 60 100% Plan
Payments: 3/3

Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10573 / CMGChristopher G. Cassie, Esq.Confirmation Hearing ScheduledContinued
5/21/2025 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $2,230.00  
issues as of 4/25/2025 (JMA)

1) 341 not held, rescheduled for 5/8/2025
2) Not current with Trustee plan payments, arrears $2,230
3) Need to file Pre-Confirmation Certification with Court.
4) New Jersey Housing and Mortgage Finance Agency (Pluese Becker) objection to confirmation - need to resolve
- Case is presumptively not filed in good faith, plan fails to provide for full satisfaction of all amounts that will be claimed in pending proof of claim

proposed plan $2,230x60 100% plan
paid in $4,460
arrears $2,230
last claim 6-1
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10586 / CMGVera Fedoroff, Esq.Confirmation Hearing on Modified PlanContinued
5/21/2025 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $711.00  
AS OF 4/21/25 (mk):

- PLAN SAYS ERMA APPLICATION IS PENDING- NEED UPDATE AND TREATMENT OF THE CLAIM.

Trustee's objection:
-PLAN SAYS MTG ARREARS TO BE PD BY ERMA (pending) 75,000 AND
REST THRU CH 13 PLAN- NEED PROOF /ORDER OR AMENDED CLAIM
??. POC arrears were lower than plan amt- need resolution of what is
being pd thru the plan.

-Failed to provide proof of service with respect to Plan Motions.
- Wells Fargo, LVNV Funding and Midland Funding. (CERT OF SERVICE
NOT FILED)- THERE IS EQUITY LEFTOVER AFTER THE FIRST MTG SO IT APPEARS A CRAM IS NOT APPROPRIATE.

- Must file Pre-confirmation certification. (NOT FILED)

Modified plan before confirmation proposes: $711 x 60 beginning 2/1/2025, base
Payments: 2/3, arrears $711

--------------RESOLVED--------------------
- A copy of the last filed tax return - for 2024. (NOT RECEIVED - LANGUAGE ADDED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,069 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $28,613 (LANGUAGE ADDED)

Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10603 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $4,000.00  
issues as of 4/24/2025 (JMA)
updated 4/8/2025 (JMA) - TO PAY FILED CLAIMS AT 100%, NEED HIGHER PLAN PAYMENT. DISPOSABLE NET IS ONLY $1,150.18

1) Trustee objection to confirmation - need to resolve
- A current market analysis - CMA provided is dated 6/12/2023, need a current CMA with comps 6 months before filing. PROVIDED BROKERS PRICE OPINION, COMPS PROVIDED DO NOT INCLUDE DATES OF SALE.
- A copy of the last filed tax return - 2024 by 5/15/25. NOT PROVIDED TO DATE
3) US Bank claim 2-1 arrears are $197,406.59 - WILL REQUIRE HIGHER PLAN PAYMENT

proposed plan $3,200x60 100% plan
paid in $5,600
arrears $4,000
last claim 2-1

RESOLVED ISSUES:

2) Need to file Pre-Confirmation Certification with Court - RESOLVED, FILED
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10644 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 3 required payments   Arrears: $0  

As of 4/23/25 (DS): 1. Trustee obj to the following:
- Must provide updated auto insurance, insurance expired 2/21/25 UPDATED NOE 8-21-25 and 2024 Tax return, if not filed can add to confirming order to provide no later than 5/31/25.
- Debtor has undertaken an improper use of exemption. Specifically: has
exceeded D5 exemption limit by $11,100.
- Excessive expense on Sched J: $520 car insurance and $88 car payment.
- There is no equity if paying State of NJ Tax secure claim.
- Must resolve IRS estimated claim, 2024 Tax return not filed.
- Must resolve obj by US Bank.
- Must file Pre-Confirmation Certification.
- Any dismissal should trigger a bar to re-filing for 180 days.

2. US Bank (CORY WOERNER) obj to sale being speculative, no motions or applications to retain filed. Must resolve obj.

3. State of NJ Division of Taxation (MATTHEW PLATKIN) obj secured and priority debt owed. POC filed secure $471,399.72 and priority $4,048.87. Must resolve obj.

4. Hyundai Capital-2023 Kia Sorento filed arrears claim for $17,073.93. Plan has KIA as current. Must pay or move against claim.

Prop Plan $1,500 x 60 begin 2/1/25; Base and Sale of 453 Rte 33 East by 8/31/25
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10698 / CMGScott E. Tanne, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $300.00  
AS OF 4/24/25 (SF)


1. IRS filed estimated priority claim 11-1 (NEED AMENDED CLAIM)

2. Trustee objection:

- Need a copy of the last filed tax return - for 2024 by 5/15/25.

- Due to excessive expenses disposable income will be much higher, estimating to be $596.

-The debtor(s) plan consists of unnecessary or excessive expense items, such as: Food $700, Clothing $200 and Car insurance $346. If Debtor is not married. Statement of Financial Affairs states Debtor is married and 22C takes household of 2.


Plan proposes $300 x 36 Base
Payments: 2/3 Arrears: $300

RESOLVED:
- Need Bank of America acct#6745 first page of statement for 1/15/25.
- Must file Pre-confirmation certification. (RECEIVED)
- Need Certification from Debtor regarding separation from husband. (RECEIVED)
- Acura Financial Services filed arrears claim 1-1 in the amount of $569.84 which is not addressed in plan (OK TO PAY?) YES
- Need amendments to Schedules Sched A/B and C to correct year of Infiniti to 2008, not 2012, per auto insurance. (AMENDED)
- Amend Form 122C for a household of 1. (AMENDED)
- Need a Modified Plan or amended Attorney Disclosure for the correct attorney fee balance.
- Must provide proof of auto insurance payment 10 days prior to confirmation.
- Need 2 months (Dec & Jan) bank statements from Citizens Bank, Chime and Navy FCU. (RECEIVED)

Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10787 / CMGStephen M. Goldberg, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0  

As of 4/24/25 (DS): Ok to confirm $250 x 36 begin 5/1/25; Base

Needs MP surrender prop MP in 14 days

As of 3/14/25 (DS): Debtor atty requested adj to allow time to resolve obj, request denied, does not get the consent of obj creditor

3/19/25 (DS): Must resolve obj. Recommend confirming at $250 x 2 begin 2/1/25; $317 x 34 begin 4/1/25; Base;
- The claim#1-1 of US Dept of HUD to be treated outside, no arrears owed.
- The Claim#2-1 of Bank of America arrears $6,482.59 is to be paid by Trustee. MOD PLAN SURRENDERS PROPERTY

1. Trustee obj to insufficient income, verifies $191.

2. US Dept of HUD filed claim, not in plan. Is this creditor Compulink Corp listed in plan as reversed mortgage? Compulink is not in the claim, but is a reversed mortgage. MOD PLAN LIST OUTSIDE, NO ARREARS OWED.

3. Bank of America (POWERS KIRN) obj to not in plan, arrears claim filed for $6,482.59. Must resolve creditor obj. OBJ W/D MOD PLAN SURRENDERS

Prop Plan $250 x 36 begin 2/1/25; Base
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10790 / CMGEric J. Clayman, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 3 required payments   Arrears: $270.00  
As of 4/23/25 (DS): 1. Trustee obj to the following:
- Must provide updated P&L (Jan - March) for DoorDash, Grubhub
and Instacart now that car is being paid through the Plan and Wells Fargo Bank statements from accts#6135, #9886 and #1251 for Dec. & Jan prior to filing date.
- Service to Ally was improperly served, must service street address, not PO Box. Also claim was filed, therefore must serve address on POC.
- Excessive expense for Storage $375. Must provide proof of storage unit payment, bank acct does not show payments.

Prop Plan $270 x 36 begin 2/1/25; 0%
Note: Mod plan filed to mark off 1(e). Debtor provided inheritance from father pension $6,959.62, Sched B had $6,900, there remains D(5) to deduct $59.62 not listed.
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10818 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
5/21/2025 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

4/9: atty wants to compromise the payment

issues as of 3/28/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- A copy of the homeowner's insurance renewal declaration - need to provide proof of homeowners insurance. NOT PROVIDED
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): -Income verifies higher than scheduled amount. There is $839.34 disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): there is $10,866.57 non-exempt equity in house.

proposed plan $477x60 base plan with minimum $10,866.57 to gucs
paid in $477
arrears $477
last claim 13-1


RESOLVED ISSUES:

- IRS priority claim estimated for 2024 taxes. AMENDED CLAIM FILED, ZERO DUE
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10843 / CMGStacey L. Mullen, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $400.00  
AS OF 4/23/2025 (at):

RECOMMEND: $4,700 PAID TO DATE, $1,700 x 57 BEGINING 5/1/2025, BASE
- Strike crams of NJ Housing and Mortgage and Andrews Federal Credit Union.

1. The IRS filed an estimated claim #5 which needs to be amended. (NO LONGER ESTIMATED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- NJ Housing & Mtg (2nd) and Andrews FCU (3rd) mortgage balance statements. (RECEIVED SOME DOCUMENTS, BUT NOT CURRENT MORTGAGE STATEMENT FOR NJ HOUSING & MTG)
- 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 in the residence $59,505, pending 2nd mortgage balance statement, claim not filed. (NEED CURRENT BALANCE FOR 2ND MORTGAGE)

RESOLVED ISSUES:
- A copy of the last filed tax return - for 2024. (RECEIVED 3/31/2025)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $992 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Andrews FCU and NJ Housing & Mtg. (CERT OF SERVICE FILED ON 3/4/2025)

Plan proposes: $1,700 x 60 beginning 2/1/2025, $0 to unsecured creditors
Payments: 2/3, arrears $400
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10855 / CMGLaurence R. Sheller, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0  

As of 4/25/25 (DS): Ok to confirm at $475 x 60 begin 2/1/25; 100% with a min. div. $38,870 to gucs due to non-exempt equity and within 7 days must file Pre-confirmation certification

1. Trustee obj there is non-exempt equity in the residence $38,870.

Prop Plan $475 x 60 begin 2/1/25; Dollar Base $25,000
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-10939 / CMGAmy Lynn Bennecoff Ginsburg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 3 required payments   Arrears: $4,320.00  
issues as of 4/25/2025 (JMA) - adjournment denied, no Trustee payments made to date, arrears $4,010

1) last hearing, 4/9: looking to covert to Ch 7- adj to 4/30 to convert or dismiss - filed modified plan scheduled for 5/21/2025
2) 341 NOW rescheduled for 5/1/2025
3) No Trustee plan payments to date, arrears $4,320
4) Need to file Pre-Confirmation Certification with Court
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11098 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 2 required payments   Arrears: $0  

As of 4/25/25 (DS): Need to confirm at $12,246 paid, $14,075 x 58 begin 5/1/25; 100% with a min. div. $425,000 to gucs due to non-exempt equity and Section 4g as to JPMorgan Chase to be stricken and not paid, due to no POC filed. EMAILED DEBTOR ATTY

1. JPMorgan Chase did not file claim, bar date has passed. Plan propose to pay claim in full. Recommend striking and not paying.

As of 4/3/25 (DS): Debtor atty requested adj to allow time to resolve objections

4/9/25 (DS): 1. Trustee obj to the following:
- Trustee obj to excessive expense for taxes $5,000. Reviewed P&L business expenses and Sched J double dipping. Must provide proof of monthly taxes paid.
- 22C has disposable income $14,060, which would require min. div. $843,600. Plan pays 100%.
- There is non-exempt equity in the Paintings $25,000 and business $400,000 total $425,000 (Per business forms).

2. Wells Fargo (CORY WOERNER)
obj to arrears owed more, POC filed with arrears $201,794.31. Must resolve obj.

3. Plan will not be feasible disposable income verifies -$400, after careful review of expenses on P&L verifies $6,866.27, removing the double dipping expenses verifies disposable income -$400. BASED ON CLAIMS FILED FOR IRS PRIORITY/SECURED $357,199.51, WELLS MTG OBJ $206,118.63, CHASE MTG $44,000 AND GUCS $167,868.71 W/TRUSTEE COMP TOTAL $865,930 AND TRUST PAYMENT ESTIMATED $14,719.

Prop Plan $6,123 x 60 begin 3/1/25; 100%
Note: 2024 Tax return provided.
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11128 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $1,092.00  
AS OF 4/17/25 (SF)

1. 341 not held - rescheduled for 4/24
2. No payments: 0/2 Arrears: $1092
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11198 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0  

issues as of 4/24/2025 (JMA)

OK TO CONFIRM AT $1380X60 BEGIN 3/1/2025 100% PLAN

1) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - 2024 by 5/15/2025 - RESOLVED, PROVIDED
- Need updated car insurance prior to confirmation. Policy provided expires on 3/30/2025. RESOLVED, RENEWAL PROVIDED
- The debtor(s) plan consists of unnecessary or excessive expense items: $682/month for cable/internet/phone; $1,000/month for food for two $300/month for entertainment; $689 & $626/month car payments OK; $300/month for pet food. FOR MARCH 2025 $144.68. Need proof of excessive expenses 10 days prior to confirmation (100% PLAN.)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,533 when determining disposable income. RESOLVED, 2024 REFUND LOWER AT $841. (100% PLAN)
- Debtors' attorney must file a fee application within 7 days of the entry of the order confirming the plan. ADD TO CONFIRMATION ORDER
- Need January bank statements for Affinity accounts 0635 and 0627. NOT PROVIDED TO DATE
- Need updated income for co-debtor. RESOLVED, PROVIDED

proposed plan $1380x60 100%
paid in $1,380
last claim 5-1

RESOLVED ISSUES:

- Need to file Pre-Confirmation Certification. RESOLVED, FILED
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11199 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 1 of 2 required payments   Arrears: $325.00  
issues as of 4/24/2025 (jma)

1) 341 not held, not rescheduled - missing documents
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11316 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0  

issues as 4/24/2025 (JMA)

OK TO CONFIRM AT $1,115X60 BEGIN 3/1/2025 BASE PLAN
-Debtor attorney must file a fee application within 7 days of the entry of the order confirming the plan.
-Student loans paid outside plan.

1) Trustee objection to confirmation - need to resolve
- The current Plan does not specify treatment of Citizen 's Bank's secured claim under the Plan - arrears $20 - need atty to advise if paying through plan
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. ADD TO CONFIRMATION ORDER

proposed plan $1,115x60 base
paid in $2,230
last claim 13-1

RESOLVED ISSUES:

- A copy of the last filed tax return - 2024 by 5/15/2025 - RESOLVED, PROVIDED COPY OF 2024 RETURN
- Need to file Pre-Confirmation Certification - RESOLVED, FILED
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11371 / CMGJoel R. Spivack, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/23/2025 (at):

RECOMMEND: $740 x 36 BEGINNING 3/1/2025, BASE
- Claim #2 filed by Rocket Mortgage will be paid through the plan.

1. Rocket Mortgage filed a secured arrears claim in the amount of $514.08 which is not in the plan. 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 - 2024 by 5/15/2025. (RECEIVED)
- Need updated car insurance prior to confirmation. Policy provided expires on 4/6/25. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $740 x 36 beginning 3/1/2025, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11406 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $780.00  
As of 4/23/25
AR IF LL STAY RELIEF IS GRANTED DOES DEBTOR WISH TO CONTINUE CASE

(DS): 1. MFR filed by Emmanuel Nazario, Landlord. Lease is month to month lease, Landlord is seeking to proceed with eviction. Sched 4/30/25. Must resolve.

2. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $83.82.
- Must provide 2024 tax return, if not filed can add to confirming order to provide no later than 5/31/25.

3. Alta FCU - 2008 Mercury Mountaineer filed arrears claim $2,591.70, which is also balance of claim. Loan date was 11/3/20 and should have been completed by 11/19/24. Vehicle and creditor is not listed in Plan or Schedules. Must move against claim or pay and must provide auto insurance and amend Schedules and Plan to include.

4. Bar date has passed 4/22/25, no claim filed by Landlord.

Prop Plan $780 x 36 begin 3/1/25; 100%
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11413 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/17/25 (SF)

1. Attorney must request adjournment
2. 341 scheduled for 5/15/25
3. Payments: 1/2 Arrears: $500
4. Objection by Citizen's Bank
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11435 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $10,000.00  
AS OF 4/28/2025 (at):

DEBTORS HAVE MADE NO TRUSTEE PAYMENTS.

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $10,000
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11457 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

issues as of 4/25/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $531/month for food for one; $550/month for transportation; $150/month for entertainment; $700/month for tuition; $150/month for pet care; $100/month for ???. Need proof of excessive expenses 10 days prior to confirmation.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): Verified income leaves monthly disposable income of $1,789.
- Need to file Pre-Confirmation Certification.

proposed plan $955x60 100% plan
paid in $1,910
last claim 26-1
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11532 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 1 of 2 required payments   Arrears: $358.00  
4/25/25 (DS): If obj resolved with both debtor and the creditor, recommend confirming at $358 paid, $1,009 x 58 begin 5/1/25; 100% with a min. div. $75,375 to gucs due to non-exempt equity;
- Add to confirming order Trustee ok to pay arrears claim#12-1 $1,015.91.
- Within 7 days must file Pre-confirmation certification.
- Must provide 2024 Tax return no later than 5/31/25.

1. BELOW ISSUES REMAIN UNRESOLVED, NO CMA PROVIDED

As of 4/7/25 (DS): Debtor atty requested adj to pass bar date 4/25/25

4/9/25 (DS): 1. Trustee obj to the following:
- There is non-exempt equity in the residence $74,675 and $700 in 2019 Honda total $75,375. CASE IS NOT FEASIBLE, INCOME IS INSUFFICIENT DISPOSABLE INCOME VERIFIES $327, WOULD NEED A TRUSTEE PAYMENT OF $1,009 AND EXTEND PLAN TO 60 MONTHS.
- Debtor's residence is an affordable housing unit. Need to know what the property can sell for in order to determine equity.
- Must provide 2024 Tax return.
- Must resolve obj mortgage.
- Must file a fee app within 7 days of from confirming order.
- Must file Pre-Confirmation Certification.

2. NewRez (HILL WALLACK) obj to arrears owed, POC filed arrears $1,015.91. Must resolve obj.

Prop Plan $358 x 36 begin 3/1/25; Base
Note: Recalculated income and disposable income verifies $327.
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11561 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $500.00  
AS OF 4/28/2025 (at):

1. Objection filed by Mortgage Assets Management (McCalla Raymer) - borrower is deceased. Debtor is the surviving spouse. There is no surviving borrower under the terms of the note and mortgage. Total debt claim of $486,577.42. (Per objection) (UNRESOLVED)

2. Trustee's objection:
- The debtor has insufficient income.
- Amendments to Schedules J to remove car payment. Car is being paid through the plan. (NOT AMENDED)

RESOLVED ISSUES:
- Need 2023 tax return 10 days prior to confirmation. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2024 by 5/15/2025. (NOT RECEIVED - LANGUAGE ADDED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $310 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 $50,945 non-exempt equity in the residence. (LANGUAGE ADDED)

Plan proposes: $500 x 36 beginning 3/1/2025, sale of residence by 3/1/2026, $41,000 to unsecured creditors
Payments: 1/2, arrears $500
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11573 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $250.00  
As of 4/23/25 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income Verified income leaves monthly disposable income of -$2,638.
- Must provide homeowner insurance that provides personal liability coverage.
- There is estimated non-exempt equity $125,730. Pending all claims filed. Bar date is 4/28/25.
- Must resolve the creditors objections.
- Low Base pending sale.

2. US Bank - 1ST MTG (CORY WOERNER) obj to sale date in August, no adequate protection or arrears is to be paid. Also no motion or application for sale has been filed.

3. Bank of NY Mellon - 2ND MTG (STEVEN KELLY) obj to creditor not in plan, no POC filed.

Prop Plan $250 x 6 begin 3/1/25; $500,000 x 1; 100% and Sale of Valley Rd by 8/15/25
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11596 / CMGMark S. Cherry, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $100.00  
CASE WILL BE DISMIISED ON MOTION AT 9 AND THEN THIS CAN BE MARKED AS MOOT DISMISSED


FYI: Atty has filed a Motion to Dismiss the case on for 4/30/25, so no need to work this up. (mk)
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11625 / CMGScott D. Sherman, Esq.Confirmation Hearing ScheduledContinued
6/11/2025 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/24/25 (SF)

1. IRS filed estimated priority claim 5-1 (NEED AMENDED CLAIM)

2. Freedom Mortgage Corporation filed arrears claim 12-1 in the amount of $223.64 which is not addressed in plan (OK TO PAY?)

3. Trustee objection:

- Need a copy of the last filed tax return - 2024 return by 5/31/2025

- There is $1,563.06 non-exempt equity in house, cannot be a base plan.

- Need to file Pre-Confirmation Certification with Court


Plan proposes 41912 x 36 Base
Payments: 2/2

RESOLVED:
- Part 1e of the plan is not checked. A modified plan must be filed. (MP FILED)
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11650 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $2,200.00  
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11656 / CMGAmy Lynn Bennecoff Ginsburg, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 2 required payments   Arrears: $11,400.00  
issues as of 4/24/2025 (JMA)

1) 341 not held, not rescheduled - missing documents
2) No Trustee plan payments to date, arrears $11,400

proposed plan $5,700x60 100% plan
paid in $0
arrears $11,400
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11668 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/28/2025 (at):

1. Objection filed by SN Servicing (Friedman Vartolo) - failure to cure arrears of $53,570.48 (Per POC) Plan lists creditor as unaffected. (UNRESOLVED)

2. Objection filed by Provident Bank (Eckert Seamans) - failure to cure arrears of $14,435.49 (Per POC) Plan lists creditor as unaffected. (UNRESOLVED)

3. Trustee's objection:
- The debtor has insufficient income using proof of income provided, disposable income is not sufficient to pay plan payments.

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification with Court (FILED)
- The debtor has failed to supply the Trustee with the following document (s):
- auto insurance coverage expires 3/25/2025, need to provide renewal (RECEIVED)
- A copy of the last filed tax return - 2024 return by 5/31/2025 (NOT RECEIVED - LANGUAGE ADDED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $71,762 non-exempt equity in house (LANGUAGE ADDED)
- There is $1,058 non-exempt equity in Wells Fargo Bank acct - total non-exempt equity $72,820 (LANGUAGE ADDED)
- SN Servicing Corporation/US Bank (Friedman Vartolo) objection to confirmation - need to resolve
-pre-petition arrears in the approximate amount of $53,570.48 (LISTED ABOVE)
- The dismissal of the case should trigger a 180 day bar to re -filing. (LANGUAGE ADDED)

Plan proposes: $490 x 60 beginning 3/1/2025, sale of residence by 9/1/2025, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11702 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
6/11/2025 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

As of 4/25/25 (DS): Debtor atty requested adj 341 sched 5/15/25
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11730 / CMGDarin D. Pinto, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 2 required payments   Arrears: $5,662.00  
issues as of 4/23/2025 (JMA)

1) 341 not held, not rescheduled
2) No Trustee plan payments, arrears $5,662
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11807 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 2 required payments   Arrears: $0  

AS OF 4/24/25 (SF)

1. Objection filed by Westlake Services (Egerman) - objects to cram

2. Trustee objection:

- A copy of the last filed tax return - for 2024.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Car
insurance is $351, not $470 and additional car $440, Debtor is cramming another car
through plan.

- Disposable income verifies higher with deducting difference from auto insurance $461,
but not deducting the additional car.

- Add to confirming order non-exempt proceeds from auto accident to Trustee.

- Must file Pre-confirmation certification.

- Need information on transfer of home to debtor's mother. Value of property , any liens
and other relevant documentation.

- need information on settlement of Motor vehicle case and all relevant pleadings for
approval

2. Add to confirmation order Trustee Standard Order of Distribution


Plan proposes $100 x 60 Base Plan
Payments: 2/2

Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11887 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledContinued
5/21/2025 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

issues as of 4/24/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Food $500, Clothing $150, Transportation $535, Entertainment $400 and car payment $1,120 (100% PLAN.)
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): 22c has disposable income $1,936.15 and per proof of income disposable income verifies $2,059 (100% PLAN.)
- Fee app within 7 days from confirming order.
- Must file Pre-confirmation certification - NOT FILED TO DATE

proposed plan
paid in $2,072
last claim 7-1

RESOLVED ISSUES:

- Updated auto insurance for 2023 Ford F-250, if not confirmed by 4/30/25 - RESOLVED, PROVIDED CURRENT PROOF FOR ALL VEHICLES
- Auto insurance for 2006 Mini Cooper and 2023 Gasgas MC125 - RESOLVED, PROVIDED
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11928 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
6/11/2025 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

As of 4/25/25 (DS): Debtor atty requested adj to pass bar date 5/7/25, will need to adj to 6/11/25 due to 5/21/25 calendar full.

As of 4/23/25 (DS): 1. Trustee obj to the following:
- Must provide Jan. and Feb. bank statements for Bank of America acct#8784 prior to filing date.
- Excessive expenses on Sched J: $600 Food, $200 Clothing, $500 Transportation and $700 for contributions (Son $450 and ex-wife voluntary contribution $250) Need court order. Must provide proof of excessive expenses 10 days prior to confirmation.
- Disposable income with 2024 tax refund would verify $4,688.
- Reviewed 22C monthly gross income is $9,987. Line 16 Taxes should be $1,360 (2024 taxes $16,328/12) and Line 19 (court ordered payments) requires documentation. Per 22C monthly disposable income is $2,921 which requires min. div. $175,260 to gucs.
- There is $1,493 non-exempt equity in bank accts. Pending review of acct#8784.
- Add to confirming order fee app within 7 days from confirming order.
- Must file Pre-confirmation certification.

Prop Plan $1,074 x 60 begin 3/1/25; Base
Note: IRS claim no longer estimated. 2024 Tax return provided.
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11931 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
5/21/2025 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $125.00  
AS OF 4/21/2025 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT THE 341 CAN BE CONDUCTED.

1. 341 is scheduled for 5/8/2025. (READY)
2. Payments: 1/2, arrears $375
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11942 / CMGAndrew K. de Heer, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $200.00  
AS OF 4/17/25 (SF)

1. 341 not held - rescheduled for 5/8/25
2. No Payments: 0/2 Arrears: $200
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11979 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $1,554.00  
AS OF 4/28/2025 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. Objection filed by Wilmington Savings (Robertson Anschutz) - failure to cure full arrears of $41,692.79. (Per POC). Plan proposes to pay $38,919.52. (UNRESOLVED)

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 $124,638 in non-exempt equity in the residence (100% PLAN.) (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need to amend the Bankruptcy Petition to correct the third digit to "2" and notify all three credit reporting agencies. (NOT AMENDED)

Plan proposes: $777 x 60 beginning 3/1/2025, 100% plan
Payments: 0/2, arrears $1,554
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11980 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $264.00  
AS OF 4/28/2025 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - Proof of income for new job at Raymour & Flanigan (NOT RECEIVED)
- Must file Pre-confirmation certification. (NOT FILED)
- Need HUD-1 from sale of Lexington Drive and HUD-1 from the purchase of St. Thomas Drive from October/November 2024. (NOT RECEIVED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence of $224,400, 2016 Honda CRV of $6,350,
Chase checking acct#2765 of $1,765, Chase checking acct#4005 of $95 and Chase savings acct#3352 of $53,009 (100% PLAN.) (LANGUAGE ADDED)

Plan proposes: $507 x 60 beginning 3/1/2025, 100% plan
Payments: 1/2, arrears $264
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-11999 / CMGDaniel L. Reinganum, Esq.Confirmation Hearing ScheduledContinued
6/11/2025 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

As of 4/25/25 (DS): Debtor atty requested adj to allow time to resolve all issues.

AMT: AVEN/2ND MTG NEEDS TO FILE AMED POC - #3-1 ON CLAIMS REGISTER HAS CORRUPTED INFO<<>>

Prop Plan $1,000 x 48 begin 3/1/25; Base
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-12046 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledContinued
5/21/2025 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/24/25 (SF) Adj to after bar date

RECOMMEND $1600 X 60 (BEGIN 3/1/25); 100% PLAN W/MIN OF $178,832 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE AND PERSONAL PROPERTY
- MUST FILE PRE-CONFIRMATION CERTIFICATION WITHIN 7 DAYS
- ATTY MUST FILE FEE APPLICATION FOR HOURLY FEES WITHIN 7 DAYS OF ENTERED CONFIRMATION ORDER



Trustee objection:

-There is $174,344 non-exempt equity in house

-There is $4,488 non-exempt equity in HRV - TOTAL NON-EXEMPT EQUITY $178,832

-Need to file Pre-Confirmation Certification with Court


Plan proposes $1600 x 60 100% Plan
Payments: 2/2




Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-12109 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 4/24/2025 (at):

NEED CAR INSURANCE DECLARATION PAGE WITH POLICY PERIOD PROVIDED.

1. New American Funding filed a secured arrears claim in the amount $378.54 which is not in the plan. 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):
- Need January and February bank statements for TD accounts 3773 and 1675. (RECEIVED 3773 - NEED 1675 STATEMENTS)
- Amendments to Schedules B/C to add the 2008 Trailer and 2020 GMC. (NOT AMENDED)
- Need car insurance that provides policy periods. (NOT RECEIVED)
- Certification regarding ERC money of over $200,000 that will be received by debtor (Covid money). (NOT RECEIVED)
- Certification regarding $100,000 owed to spouse as a creditor. (NOT RECEIVED)

RESOLVED ISSUES:
- A copy of the homeowner's insurance renewal declaration - . Policy provided expires on 3/22/25. (RECEIVED)
- A copy of the HUD-1 statement for 2001 Waverly Avenue. (RECEIVED)
- A copy of the last filed tax return - 2024 by 5/15/2025. (NOT RECEIVED - LANGUAGE ADDED)
- Closing statement for LBI property. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $113,599.50 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $15,409 in non exempt equity in the 2020 GMC. (LANGUAGE ADDED)
- Need business bank statements for August - January, 2025. (RECEIVED)

Plan proposes: $2,180 x 60 beginning 3/1/2025, $113,599.50 to unsecured creditors
Payments: 2/2
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-12282 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
6/11/2025 10:00 am
Debtor has made 0 of 1 required payments   Arrears: $501.00  
AS OF 4/21/2025 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT THE 341 CAN BE CONDUCTED.

1. 341 is scheduled for 5/15/2025. (READY)
2. Payments: 0/1, arrears $501
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-12294 / CMGDarren M. Baldo, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 1 required payments   Arrears: $0  

As of 4/23/25 (DS): 341 not held 4/10/25, still missing docs
Matter ResolvedRequest
Adjourment
04/30/2025 10:00 am25-12839 / MBKPRO SEOrder Show CauseJudge to Reserve Decision
>>MBK CASE<<

Failure to File Missing Documents. Missing Documents: Summary of Assets/Liabilities and Stat Info, Declaration About An Individuals Scheds, Statement of Financial Affairs For Individuals, Statement of Your Current Monthly Income & Calc of Commitment Period(122C-1), Calculation of Your Disposable Income (122C-2) - If Applicable, Ch. 13 Plan and Motions (LOCAL FORM), Schedules A/B,C,D,E/F,G,H,I,J,
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm20-16345 / CMGWarren Brumel, Esq.Motion CompensationRecommend GrantingTotal Paid In: $40,375.00
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm21-18995 / CMGRussell L. Low, Esq.Motion CompensationRecommend GrantingTotal Paid In: $44,598.00
fees for closing Outside plan
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm22-17851 / CMGBrad J. Sadek, Esq.Motion CompensationRevised Order SubmittedTotal Paid In: $175,102.00
Revised order submitted for fees outside as they were paid at closing
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm23-13740 / CMGCarrie J. Boyle, Esq.Motion CompensationRecommend GrantingTotal Paid In: $61,548.00
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm23-21461 / CMGJustin M. Gillman, Esq.Motion CompensationRecommend GrantingTotal Paid In: $9,986.00
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm24-11302 / CMGHerbert B. Raymond, Esq.Motion CompensationRecommend Granting
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm24-13403 / CMGPRO SEMotion to Vacate DismissalContinued
5/21/2025 9:00 am

>>OST<<

MTN TO VACATE DISMISSAL

TR objection
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm24-18370 / CMGRoger J. Yehl, Esq.Motion CompensationRecommend GrantingTotal Paid In: $1,764.00
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm24-20419 / CMGJustin M. Gillman, Esq.Motion CompensationRecommend GrantingTotal Paid In: $3,900.00
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm24-20650 / CMGMarc C. Capone, Esq.Motion CompensationRecommend GrantingTotal Paid In: $1,200.00
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm24-21344 / CMGAdam Schneider, Esq.Motion Dismiss CaseHold for Judge
CREDITOR, SHAN BALA, MTN TO DISMISS

should adj to 4/30. THIS WILL NEED JUDGE

CREDITOR ALLEGES:
--FRAUD
DEBTOR FAILED TO DISCLOSE INCOME
-DEBTOR HAS MISREPRESENTED/CONCEALED FINANCIALCONDITION
-TRANFERS OF LARGE AMTS OF $
-FALSE CLAIMS

**mk: Creditor Proofs are not sufficient and ADV Pro deadline has passed

Debtor filed opp'n
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm24-21344 / CMGAdam Schneider, Esq.Confirmation Hearing ScheduledHold for JudgeDebtor has made 6 of 5 required payments   Arrears: $0  

THIS WILL NEED JUDGE

AS of 4/22/25(mk)

-CREDITOR S. Bala has Motion To Dismiss on 4/30.

-DEBTOR HAS MOTION TO EXPUNGE BALA'S CLAIM ON 4/30/25 & crediotr opp'n at #22


1. Objection filed by Shan Bala (Pro Se) - debtor has not disclosed all financial accounts, plan understates amount owed to creditor, and plan is not feasible. (UNRESOLVED)

2. Trustee's objection:
-109(e issue) unsecured debtor over the limit. due to claim of S. Bala
-so if that motion to Expunge is granted ,this issue is resolved.

- Improper use of exemption. Sched C over
exempts d(5) by $5,050. Sched C takes full d(1), remaining d(5)
would be $1,475.

>>DEBTOR IS NOT EMPLOYED- ALL INCOEM IS NF SPOUSE- debtor not paying all disposable income into plan. Trustee's
calculations are higher for the following reason (s):
- 22C fails to add tax refund $418.42 to income and Line 45 has
disposable income $2,033.24, which would have a total disposable
income $2,451.66 and require a minimum dividend
$147,100 to gucs.
- Proof of income verifies higher, there is disposable income $3,972.

- CERTIFICATION WITH DOCUMENTS AND DISPOSITION OF FUNDS FOR 2 BUSINESSES
IDENTIFY BUSINESS NGL PARTNERS LLC , INCOME ASSESTS OWNWERSHIP AND EXPENSE (NO CERTIFICATION RECEIVED - ONLY A LETTER FROM AN ATTORNEY)


Plan proposes: $2,000 x 60 beginning 12/1/2024, base
Payments: 5/5 payments

-------------------RESOLVED ISSUES----------------------
Trustee standard order of distribution.
- A copy of the homeowner's insurance renewal declaration - with personal liability coverage. (RECEIVED)
-need a CMA- with comps for the past 6 months from filing date. Zillow values property much higher. Updated comps and realtor info provided- 490,000 value
- The Schedules fail to account for the debtor(s) tax refund in the amount of $7,521 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- There is estimated non-exempt equity in the residence $94,747 (using the most recent
comps with properties sold), Bank of
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm24-21676 / CMGMarc C. Capone, Esq.Motion CompensationRecommend GrantingTotal Paid In: $9,750.00
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm24-22042 / CMGAllen I. Gorski, Esq.Motion CompensationRecommend Granting
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm24-22143 / CMGCarlos D. Martinez, Esq.Motion CompensationRecommend GrantingTotal Paid In: $4,520.00
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm24-22442 / CMGMarc C. Capone, Esq.Motion CompensationHold for Judge
Hold for Judge at noon via zoom

Debtor response<>
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm24-22566 / CMGMarc C. Capone, Esq.Motion CompensationRecommend GrantingTotal Paid In: $5,600.00
4/9/25 AMT: **NEEDS TO FILE PRE CONF CERT PER CONF PROVISION**
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm24-22672 / CMGMarc C. Capone, Esq.Motion CompensationRecommend GrantingTotal Paid In: $1,770.00
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm25-10096 / CMGShmuel Klein AP Hearing Rescheduled (Document)Continued
5/13/2025 10:00 am

AP NATHAN HERZKA MTN TO DISMISS AP
Matter ResolvedRequest
Adjourment
04/30/2025 12:00 pm25-10535 / CMGJustin M. Gillman, Esq.Motion CompensationRecommend GrantingTotal Paid In: $2,700.00
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes