Judge Christine M. Gravelle
Hearing Date: 5/4/2022
Hearing Count: 138
Last Updated: 06-24-2022 06:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
15/4/2022 9:00 am09-40114 / CMGLee M. Perlman, Esq.Motion Motion (Generic) - Only use if no other event is applicableRevised Order Submitted
MTN TO APPROVE SETTLEMENT


>>Revised Order submitted 4/28/22

4/21/22(mk) Amended C filed- 31,100 exempt- OK needs revised order
----------------------------

**atty says working on amendments now claiming exemption of $31,100. NEEDS REVISED ORDER AND THE AMENDED SCHEDULES HAVE TO BE FILED FOR TR TO REVIEW

> TR Limited objection filed-

4/16/22mk: applications for retention have been filed- BUT STILL HAVE NOT FILED AMENDED b & C


Mk:case filed 2007 & discharged 2015. Claim /lawsuit-Class Action was not listed. Settlement in 2021 or 22 Case was reopened to file this motion to approve settlement

NO applications for retention were filed>
This PPSD Order says Amended B & C file in 10 days- NO - Order reopening case (#59calls for amended schedules- THOSE NEED TO BE FILED NOW as well as applications for sp. counsel*

net settlement after fees/costs 80,804.16 - debtor's exemption 30,325 =$50,479.16 to TR

*Application for (David Dicken of Miller firm sp. counsel filed 3/23/22
STILL NEED SAIONTZ & KIRK FIRM AND VENTURA LAW FIRM TO BE RETAINED
Matter ResolvedRequest
Adjourment
25/4/2022 9:00 am17-11683 / CMGYakov Rudikh, Esq.Motion Relief from Stay (Fee)Granted
WELLS FARGO BANK 2010CRV (LOGS)
Matter ResolvedRequest
Adjourment
35/4/2022 9:00 am17-16894 / CMGJohn Zimnis, Esq.Creditor Certification of DefaultContinued
6/15/2022 9:00 am
Total Paid In: $22,107.00
Debtor obj<> WELLS FARGO/East Franklin (Brock & Scott)

MP on 5/4/22
Matter ResolvedRequest
Adjourment
45/4/2022 9:00 am17-18152 / CMGCharles M Izzo, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
5/3/22(mk- : plan balance PD

4/27/22(MK: email to atty - no payment as of this date- ATTY REPLY-CK SENT TO LOCK BOX THIS AM 4/27/22


4/20/22:NS 2nd call- atty contacted after ct - says debtor sent $ in

Debtor obj, made pymt<>FAILED TO PAY PLAN BAL

plan in mo 60
Matter ResolvedRequest
Adjourment
55/4/2022 9:00 am17-21493 / CMGRobert C. Nisenson, Esq.Creditor Certification of DefaultContinued
5/18/2022 9:00 am

Debtor obj<> US BANK/Dawson Rd (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
65/4/2022 9:00 am17-34668 / CMGKevin C. Fayette, EsqTrustee Certification of DefaultWithdrawn
AMT: PIF/PENDING CLOSING<<>>


Debtor response, will make pymt & requests recap<> ARREARS

4/5/22(mk): 3,000 posted. PLAN BALANCE IS $582.97- email to atty (plan was confirmed for 49 mos .has now run52 mos


4/1/22:Per atty debtor to make 3,000 payment before Monday- will do recap if it posts before hearing. will need to extend plan length as plan was 52 mos and that has expired.
Matter ResolvedRequest
Adjourment
75/4/2022 9:00 am17-35800 / CMGWarren Brumel, Esq.Motion for Loan ModificationGrantedTotal Paid In: $32,376.00
Trustee's limited obj<> NEWREZ MTN FOR LM (Stewart Legal)

>>NEED A CERT FROM DEBTOR- FILED 4/25/22
Matter ResolvedRequest
Adjourment
85/4/2022 9:00 am18-11329 / CMGKirsten B. Ennis Motion Relief from Stay (Fee)Order to be Submitted
Debtor obj<>NEWREZ/SHELLPOINT (HILL WALLACK)
Matter ResolvedRequest
Adjourment
95/4/2022 9:00 am18-12855 / CMGJames J. Cerbone, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $46,302.00
Debtor obj, can make pymts<> ARREARS 2,104 as of 4/28. made recent April payment


debtor to make 2 payments by 5/1/22 and then wants recap

5/4/22; UPDATED AS A PAYMENT WAS MADE>: RECAP $42,902 PTD, Then $1,180 x 9 begin 6/1/22.
Matter ResolvedRequest
Adjourment
105/4/2022 9:00 am18-12882 / CMGOtto J. Kostbar, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $19,839.00
Debtor obj<> REVERSE MTG/Spotswood Englishtown Rd (RAS)
Matter ResolvedRequest
Adjourment
115/4/2022 9:00 am18-27689 / CMGPhillip L. Lucas, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $32,486.00
AMT: ARREARS CURED/WILL COMPLETE TIMELY<<>>

Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment
125/4/2022 9:00 am18-28689 / CMGPaola D. Vera, Esq.Motion for Payment DeferralWithdrawn
MTN TO AUTHORIZED PAYMENT DEFERRAL AGREEMENT (MILSTEAD & ASSOC)


4/29/22(mk): NEED UPDATE ON THIS

TR OBj. : prop owned by debtor and spouse. But only spouse executed the deferral agreement- WHY HASN"T DEBTOR SIGNED THE AGREEMENT?
CERT IS BY ATTY FOR CREDITOR- SHOULD BE FROM DEBTRO

Mk 3/14/22: creditor reply - only spouse signed note but they wil get a Cert form debtro
Matter ResolvedRequest
Adjourment
135/4/2022 9:00 am18-30069 / CMGCandyce I. Smith-Sklar, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramContinued
5/18/2022 9:00 am
Total Paid In: $26,955.00
LOSS MIT

ORDER DISMISSING CASE ENTERED 4/25/22

>>MOTION ON SHORT NOTICE TO VACATE DISMISSAL ON FOR 5/18/22
Matter ResolvedRequest
Adjourment
145/4/2022 9:00 am18-30069 / CMGCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultContinued
5/18/2022 9:00 am
Total Paid In: $26,955.00
Debtor obj<> CARRINGTON MTG/Edgewood Ave (Hill Wallack)

MK: motion to participate in Loss mIt filed & on 5/4/22

ORDER DISMISSING CASE ENTERED 4/25/22

>>MOTION ON SHORT NOTICE TO VACATE DISMISSAL ON FOR 5/18/22
Matter ResolvedRequest
Adjourment
155/4/2022 9:00 am18-31145 / CMGJACQUELINE R ROCCI ESQMotion Relief from Stay (Fee)Continued
6/15/2022 9:00 am
Total Paid In: $38,526.00
Debtor obj<>NEWREZ/SHELLPOINT/Miara St (HILL WALLACK)
Matter ResolvedRequest
Adjourment
175/4/2022 9:00 am18-33074 / CMGJohn Zimnis, Esq.Motion Motion (Generic) - Only use if no other event is applicableOrder to be SubmittedTotal Paid In: $15,060.00
MTN TO PAY LATE POC #8
secured POC for MTAG Cust for Fig Cap.

MP On 5/18/22

5/3/22(mk) OTBS per atty:They filed a second identical POC (#9) that I want to merge into the order.

Matter ResolvedRequest
Adjourment
165/4/2022 9:00 am18-33074 / CMGJohn Zimnis, Esq.Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $15,060.00
WELLS FARGO BANK (LOGS)

Status Chg- Motion was w/d
Matter ResolvedRequest
Adjourment
185/4/2022 9:00 am19-10341 / CMGDaniel E. Straffi, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramOrder to be SubmittedTotal Paid In: $27,810.00
Lakeview obj (Squire & Assoc)<>LOSS MIT/LAKEVIEW LOAN

creditor objects b/c this motion in conflict with CT. Order at docket #58 entered 3/16/22.on the MFR which provided for 6 mo cure of post pet arrears

mk;OTBS: terms of cure order will be honored in loss mit
Matter ResolvedRequest
Adjourment
205/4/2022 9:00 am19-11969 / CMGTHOMAS J ORR ESQTrustee Certification of DefaultTrustee OrderTotal Paid In: $18,668.00
Debtor obj<> ARREARS $1,876. last pay 1/31/22

was a Tr Order in Feb 2022. This is 2nd default

if no post pet arrears are to be added to plan then:

5/3/22:Recap: 17,730 PTD, Then $938 by 5/30/22; 1,013 x 20 begin 6/1/22 ,Debtor to sign up for TFS w/in 14 days- email reply to atty 5/3/22
Matter ResolvedRequest
Adjourment
195/4/2022 9:00 am19-11969 / CMGTHOMAS J ORR ESQCreditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $18,668.00
Debtor obj<> NATIONSTAR/Sussex (LOGS)

4/29/22(mk): Order submitted today. terms Cap Post pet arrears $3,237.90 in plan. File a MP in 14 days


Conduit??
2nd creditor default & 2nd Tr default
Matter ResolvedRequest
Adjourment
215/4/2022 9:00 am19-17501 / CMGEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $10,263.00
AMT: MP 5/4<
>

FAILED TO ADDRESS TREATMENT OR CLAIM IF SURR 2014 HYUNDAI SONATA; ARREARS

>>3/30/22: MP FILED - ON 5/4/22-NEEDS REQUEST TO ADJ THIS TR MOTION TO MP DATE 5/4/22<<


MK: Need MP to surrender the auto and APOC 4-1
on claim will not be paid- ptd on orig claim is
3,746.54

>>FYI prior MP FILED AT #65 THAT CALLED FOR THE SURRENDER TO LIBERAL FINANCE in part 9 BUT NOT part 4e of plan and failed to remove $1,914 cure treatment in Part 4b and lease assumption in Part 6 with Bayville Holdings - So due to these defects the MP was W/D on 1/24/22 for hearing date 2/16/22

>.NEEDS NEW MP PROPERLY SETTING FORTH SURRENDER IN 4 E and nothing to Bayview- lease rejected and treated as surrendered and claim is guc claim
Matter ResolvedRequest
Adjourment
225/4/2022 9:00 am19-17697 / CMGYakov Rudikh, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $62,307.00
Debtor obj, filing MP< HR> ARREARS

MP on 5/4/22>>HR<<

Matter ResolvedRequest
Adjourment
235/4/2022 9:00 am19-19342 / CMGWilliam H. Oliver, Jr., Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $13,933.00
Debtor obj, will pay<> ARREARS

recent payment arrears as of 4/29/ only 203.

4/29/22:RECAP is $13,650 PTD, then $283 x 13 Ewage- ATTY OK TO TERMS
Matter ResolvedRequest
Adjourment
245/4/2022 9:00 am19-22787 / CMGKevin C. Fayette, EsqTrustee Certification of DefaultContinued
5/18/2022 9:00 am
Total Paid In: $31,146.00
Debtor obj, can make pymt<> ARREARS 6,350 as of 4/29/22 Last pay 2/15/22

5/3/22:atty says debtro made on line payment 2500 wants recap - not posted yet se adj 2 weeks for posting & recap
Matter ResolvedRequest
Adjourment
255/4/2022 9:00 am19-23902 / CMGEdward Hanratty, Esq.Motion Relief from Co-Debtor StayContinued
6/1/2022 9:00 am
Total Paid In: $12,985.00
Debtor obj<>MTG, SPECIALIZED LOAN (PLUESE, BECKER & SALTZMAN)

Been adj several times- last time to 6/1/22- PEREMPTORY

mk: creditor requested adj to 5/4/22 for review of Debtor's ERMA application-
Matter ResolvedRequest
Adjourment
265/4/2022 9:00 am19-24192 / CMGEugene Roth, Esq.Motion Relief from Co-Debtor StayOrder Previously SubmittedTotal Paid In: $20,160.00
Debtor obj<>WEICHERT FINC/ Willw st (MILSTEAD & ASSOC)


4/28/22(mk): Order submitted today- debtro to resume king reg payments 4/21/22.$688 atty fees/cost added to pla
Matter ResolvedRequest
Adjourment
275/4/2022 9:00 am19-26168 / CMGKevin C. Fayette, EsqMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)WithdrawnTotal Paid In: $23,250.00
NJ Housing obj (Powers Kirn)<>MTN TO REINSTATE

5/3/22(mk): debtor motion was w/d
Matter ResolvedRequest
Adjourment
285/4/2022 9:00 am19-29256 / CMGPRO SEOrder Shorten TimeDeniedTotal Paid In: $3,200.00

AR NOTE SHERIFF SALE SCH FOR MAY 21 , CONF ORDER - PROVIDES STAY RELIEF LENDER CLAIM OUT SIDE THE PLAN
>>>OST<<

MOTION TO STAY SHERIFF SALE
Matter ResolvedRequest
Adjourment
305/4/2022 9:00 am19-30747 / CMGAndrew G. Greenberg, Esq.Trustee Certification of DefaultDismissedTotal Paid In: $14,450.00
AMT: MP 5/4>ISSUES>


>>CREDITOR CERT OF DEFAULT GRANTED- STAY VACATED PER ORDER ENTERED 3/1/22 #62


2/15/22(mk): filed a MP covid cert and amended I & J. Needs to appear and request adj.

Debtor obj, filing MP<> ARREARS

Bad pay history
Matter ResolvedRequest
Adjourment
295/4/2022 9:00 am19-30747 / CMGAndrew G. Greenberg, Esq.Motion Reinstate StayDeniedTotal Paid In: $14,450.00
MTN TO REINSTATE STAY

MK: also on for Tr cert and MP- Conduit case
Matter ResolvedRequest
Adjourment
315/4/2022 9:00 am19-30763 / CMGRobert C. Nisenson, Esq.Trustee Certification of DefaultDismissedTotal Paid In: $7,166.00
Debtor obj<> ARREARS$ 5,160 as of 4/29/22.laSt pay 3/28/22

debtro w/d opp'n
Matter ResolvedRequest
Adjourment
325/4/2022 9:00 am19-31620 / CMGNicholas Fitzgerald, Esq.Creditor Certification of DefaultContinued
6/1/2022 9:00 am
Total Paid In: $32,085.00
adj to 6/1/22 NFA.

Debtor obj<> PENNYMAC/Jackson St (Fein Such)

5/3/22(mk): email from Ray Lebron:have not received authorization to withdraw the certification. We're just waiting for our client to say it has been finalized but they advised they are still in the process of boarding. I have no choice but to request additional time unless my client provides authorization prior to tomorrow's hearing.

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

TR arrears WALLSnow $507 as of 4/27/22.

LM GRANTED - ORDER ENTERED 4/22/22

Creditor - debtor is 11 payments past due
Debtor - wants to explore refi options with the lender

4/16/22(mk): debtor adj request- app'd for LM motion filed -obj deadline 4/21/22
Matter ResolvedRequest
Adjourment
335/4/2022 9:00 am19-31755 / CMGStacey L. Mullen, Esq.Motion requesting Exemotion from Participation in Financial Management CourseGranted
MTN FOR EXEMPTION FIN MANGMENT COURSE AND FILE CERT IN SUPPORT OF DISCHAGE
Matter ResolvedRequest
Adjourment
345/4/2022 9:00 am19-32587 / CMGJohn F. Bracaglia, Jr., Esq.Motion Relief from Co-Debtor StayContinued
6/1/2022 9:00 am
Total Paid In: $12,120.00
Debtor obj<>WELLS FARGO/Lehigh Rd (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
355/4/2022 9:00 am20-11058 / CMGStephanie Ritigstein, Esq.Trustee Certification of DefaultContinued
6/15/2022 9:00 am
Total Paid In: $8,416.00
Debtor obj. increased expenses, requests recap<>

ARREARS $840 as of 4/27/22 last pay 11/5/21

RECAP is $8,416 PTD, Then $435 x 57-email to atty

>>Per atty debtor has dog bit case- settle- needs time to file motion for approval ( sp counsel has already been retained.
Matter ResolvedRequest
Adjourment
365/4/2022 9:00 am20-11670 / CMGJames J. Cerbone, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $24,336.00
Debtor obj<>PENNYMAC/Middleton Lane (Fein Such)

TR cert of Default on 4/20/22>
Matter ResolvedRequest
Adjourment
375/4/2022 9:00 am20-13569 / CMGKarina Pia Lucid, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $22,287.00
JPMORGAN CHASE /Regent St (FEIN, SUCH)
Matter ResolvedRequest
Adjourment
385/4/2022 9:00 am20-14749 / CMGTHOMAS J ORR ESQCreditor Certification of DefaultOrder to be SubmittedTotal Paid In: $9,330.00
Debtor obj Cenlar/High St (Pluese Becker)

5/3/222(mk): email from creditor atty:
Our office represents Cenlar FSB, servicer for NJ Housing in regard to the above case. We filed a certification of default, which has a hearing date of May 4th. All parties have reached an agreement. Can you please mark the COD resolved as OTBS? A status change form has already been filed with the Court.
Matter ResolvedRequest
Adjourment
395/4/2022 9:00 am20-15213 / CMGAndrew Thomas Archer Trustee Certification of DefaultDismissedTotal Paid In: $7,453.00
Debtor obj, making pymt<> ARREARS 1,364 as of 4/29/22. last pay 11/12/21
Matter ResolvedRequest
Adjourment
405/4/2022 9:00 am20-15802 / CMGKevin C. Fayette, EsqMotion Relief from Stay (Fee)Continued
5/18/2022 9:00 am
Total Paid In: $6,500.00
Debtor obj<>NEWREZ/SHELLPOINT/Cartlidge Ave (ROBERTSON, ANSCHUTZ)

MK :creditor is confirming modification- it was adj to 5/18/22 THEN i was informed it is OTBS- So told her it's still adj and get order in then can marked the hearing for 5/18/22 as order previously submitted.
Matter ResolvedRequest
Adjourment
415/4/2022 9:00 am20-16208 / CMGWARREN S JONES, JR ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $7,804.00
AMT: MP 5/4<
>


Debtor obj, filing MP<>FAILED TO FILE MP TO ADDRESS FEASIBILITY FOR PP MTG ARREARS ADDED TO PLAN

3/30/22(mk): atty email says filed MP(#40)- told him submit adj request
Matter ResolvedRequest
Adjourment
425/4/2022 9:00 am20-17133 / CMGAndrew Thomas Archer Motion Relief from Co-Debtor StayContinued
6/15/2022 9:00 am
Total Paid In: $9,072.00
Debtor obj<> US BANK/Clark Lane (Friedman Vartolo)


Mk: fyi Motion to participate in Loss Mitt. GRANTED 3/17/22
Matter ResolvedRequest
Adjourment
435/4/2022 9:00 am20-17796 / CMGCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultContinued
5/18/2022 9:00 am
Total Paid In: $20,415.00
AMT:MP 5/4 >ISSUES>

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

3/21/22: Arrears cured but needs Recap- 100% plan- won't complete timely.
>>RECAP IS $19,295 PTD THEN $1,166 x 39 Begin 4/1/22EWAGE/TFS-amt email to atty on 3/24/22

-------------------------------
3/15/22: atty email made payment 2,100- HAS NOT POSTED YET

As of3/9/22(mk): arrears 2,100. last pay 2/24/22

Recap is $17,195 PTD(10 mos), Then $1,221 x390 Begin43/1/22; debtor to sign up for Ewage w/in 15 days-

---------------------------
12/28/21(mk): email says debtro made 2000 payment on 12/15/ and will pay rest by 1/3/22.

Debtor obj, made pymt<> ARREARS $2,190 as of 12/27/21. made recent payment 12/15/21for 2,000
Matter ResolvedRequest
Adjourment
455/4/2022 9:00 am20-20285 / CMGRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/18/2022 9:00 am
Total Paid In: $11,880.00
4/5/22>> MP 5/4/22-extending time to REFI
>>ISSUES<<

--MFR (US BANK/TOWER DBWTRUST) ON 5/4/22

Debtor obj<>FAILED TO REFI BY 2/17/22; FAILED TO FILE PRE CONF CERT BY 3/1/21;

Mk: debtor opp'n says -debtor needs 3 more mos to sell RE- will file MP

Arrears cured





Matter ResolvedRequest
Adjourment
445/4/2022 9:00 am20-20285 / CMGRobert C. Nisenson, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $11,880.00
Debtor obj<>US BANK AS CUST FOR TOWER DBW III TRUST/Patton Dr (HONIG & GREENBERG)


5/3/22(mk) OTBS:limited stay relief provided no sale of property can occur within 90 days and notice is first given in the prior to any sale

Matter ResolvedRequest
Adjourment
465/4/2022 9:00 am20-20530 / CMGJames J. Cerbone, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $5,485.00
MTN TO AMEND POC

MK: amend POC#18-1 ( for Continental)to pay more $3,637 rather than poc amt $3,025
Matter ResolvedRequest
Adjourment
475/4/2022 9:00 am20-20530 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $5,485.00
Mod plan recommended confirm honor roll

Debtor obj, filing MP<>PLAN WILL NOT COMPLETE TIMELY DUE TO PRIORITY CLMS #18-1 & #19-1


MK:MP filed On for 5/4/22. Increases TR payment & Pays # 18-1 & 19-1

> Motion to Modify ( on 5/4/22)POC#18-1 to pay more $3,637 rather than poc amt $3,025
Matter ResolvedRequest
Adjourment
485/4/2022 9:00 am20-21659 / CMGDavid G. Beslow, Esq.Motion Relief from Co-Debtor StayContinued
5/18/2022 9:00 am
Total Paid In: $8,683.00
Debtor obj<>NATIONSTAR MTG/ MERCER ST (ROBERTSON, ANSCHUTZ)

mk: adj to 5/18 as creditor is confirming terms of trial loan mod.
Matter ResolvedRequest
Adjourment
495/4/2022 9:00 am20-23476 / CMGAndrew Thomas Archer Motion for Exemption from Financial Management Course & Certification in Support of DischargeGranted
MTN FOR EXTEMPTION FROM FINC MAGMENT
Matter ResolvedRequest
Adjourment
505/4/2022 9:00 am20-24088 / CMGKevin C. Fayette, EsqTrustee Certification of DefaultDismissedTotal Paid In: $3,189.00
5/3/22(mk): atty no defense to dismissal

Debtor obj, can pay$1,200<> ARREARS 2,945 as of 4/27/22. Last pay 12/10/22
Matter ResolvedRequest
Adjourment
515/4/2022 9:00 am21-12491 / CMGKarina Pia Lucid, Esq.Trustee Certification of DefaultContinued
5/18/2022 9:00 am
Total Paid In: $11,538.00
AMT: MP 5/4<>>

Debtor opp'n- Filing a MP & amended I &J<> ARREARS- on 5/4/22

3/31/22(mk):MP filed and amended i & J- Once date is set for hearing there is an adj request for TR Cert to MP date
Matter ResolvedRequest
Adjourment
525/4/2022 9:00 am21-14026 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $14,040.00
debtor opp'n>>WELLS FARGO/Harrington Court (POWERS)

Post pet arrears cured outside plan


Conf. 5/4/22; ISSUES
Matter ResolvedRequest
Adjourment
535/4/2022 9:00 am21-14026 / CMGDaniel E. Straffi, Esq.Creditor Certification of DefaultContinued
5/18/2022 9:00 am
Total Paid In: $14,040.00
Debtor obj<> SANTANDER/2019 Ram 1500 (Morton)
Matter ResolvedRequest
Adjourment
545/4/2022 9:00 am21-15221 / CMGRussell L. Low, Esq.Motion File Claim After Claims Bar DateRevised Order SubmittedTotal Paid In: $6,842.00
MTN TO FILE LATE POC/WELLS FARGO (BROCK & SCOTT)

>>REVISED ORDER TO BE SUBMITTED THAT SETS FORTH THE tR IS AUTHORIZED TO PAY THE LATE CLAIM IN THE AMT OF 17,409.88 THROUGH THE PLAN AS AS A SECURED CLAIM

4/26/22(mk); Atty answered question on the 2 mtgs- this motion concerns the prime equity Line of credit and is separate from Wells fargo Mtg (POC #2- being handled by LOGS firm). the loans were signed on same day.


MK: see order #16 resolving Wells Fargo obj to confirmation and providing that POC #2-1 would be pd at $2,913.55 int for total $3,318.97 through the plan.

This motion refers to same mtg recorded 2/8/01
Book No is same 06533 page No different
Wels Fargo was listed on D for 17,409.88. Plan had pay this in full BUT THE POC FILED BY WELLS#2-1) ON 7/7/21 WAS FOR 2,913.56

Motion papers says this was a line of credit. So,IS THIS A DIFFERENT LIEN (form POC #2-1)BY WELLS? for 17,409
Matter ResolvedRequest
Adjourment
555/4/2022 9:00 am21-15782 / CMGAndrew Thomas Archer Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
5/18/2022 9:00 am
Total Paid In: $1,122.00
MTN TO REDUCE POC #17(St Of NJ)

TR OBJECTION:4/21/22:AMENDED MOTION (#37)WAS FILED; STILL NEEDS MORE SPECIFIC ORDER. POC #17 has secured part, Priority Part and unsecured part. The Order needs to set forth the amt to be paid as secured, the amt for priority and the unsecured part still contains estimated taxes for 2017 - no return filed.



>>mk: Order needs to be more specific- stating that POC #17 is modified to x amt of $______ for priority portion of claim and x amt for secured portion

POC #1 has total $16,821.28. Of that $1664.63 is secured and fixed. Priority total is $2,117.44 for est taxes for no returns for 2018 (1,166.86)and 2020($1,010.58) . Balance of POC Is GUC $12,979.21- PLAN IS A BASE SO THIS HAS TO ALSO BE RESOLVED for conf

Motion only addresses the 2020 priority amt of $1,010.58
Matter ResolvedRequest
Adjourment
565/4/2022 9:00 am21-16503 / CMGRONALD S. GELLERT, ESQ.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Moot
NS

AMT: MP 5/4< ISSUES<>>

Debtor obj<>PLAN WAS DENIED ON 1/19/22 AND FAILED TO FILE MP WITHIN 14 DAYS

3/30/22: MP FILED

3/25/22(mk): email from atty will file opp'n to motion and a MP today. Advised that all supporting docs attached to her email must be uploaded to 13 docs and once the MP is filed and confirmed this can be w/d
Matter ResolvedRequest
Adjourment
575/4/2022 9:00 am21-17040 / CMGJohn Michael McDonnell, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
5/18/2022 9:00 am
Total Paid In: $10,148.00
mk: needs a revised order that provides:
that adds a paragraph 2. that states that the trustee payment of $64.15 in claim # 19-1 shall be applied to payments on claim #15-1. nd crediotrs need to be served on #19 & #15

MTN TO OBJECT POC #19

mk: atty says POC #19 is duplicate of POC# 15
filed by Cross River Loan

***There have been disbursements made on #19
#15 (Vervent as servicer for Cross River)Amt $1,921.92 and #19 $1,948.50 ( has rec's $64.15 so far)same acct # on supporting docs original loan amts match but claim amts differ
Service on motion per the info in the POC #19
Matter ResolvedRequest
Adjourment
585/4/2022 9:00 am21-17155 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/15/2022 9:00 am
Total Paid In: $3,183.00
AR OCJ DOES NOT ADDRESS CLAIM 11
Debtor obj<>ARREARS; PLAN NOT FEASIBLE DUE TO #11-1

arrears $2,123.last pay 1/27/22
Matter ResolvedRequest
Adjourment
595/4/2022 9:00 am21-17865 / CMGFRANCIS P CULLARI, ESQMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
6/15/2022 9:00 am
Total Paid In: $2,121.00
mk; adj to 6/15/22 NFA


3/15/22(mk): LATE OPP'N FILED BY Creditor Fox Chase( Cutolo Barros-C. Zappi)- (THEY HAVE TIMELY FILED OBJ TO CONFIRMATION) she notified debtor's atty. I told her to file it and appear. Creditor has a filed objection to confirmation also on 3/16/22

MTN TO EXPUNGE FOX CHASE CLM #3

mk: debtor says he is current with homeowners assoc and POC should be expunged.

CONF 5/4/22>>ISSUES<<

****3/15/22(mk): IF THIS MOTION IS GRANTED CONF TERMS AT #105 NEED TO BE REWORKED***
Matter ResolvedRequest
Adjourment
605/4/2022 9:00 am21-18221 / CMGJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/18/2022 9:00 am
Total Paid In: $7,700.00
AMT; MP 5/18

Debtor obj<>FAILED TO LM BY 2/28/22; ARREARS


mk: MP filed on 4/14/22(#43)- debtor in trial LM requires payments over 12 mos. trial period .Mp proposes 100 x12 and 100%- plan has only run 6 mos as of April- can't confirm for less than 36 total. plan will just complete early
Matter ResolvedRequest
Adjourment
615/4/2022 9:00 am21-18795 / CMGTAMIKA N. WYCHE, ESQ.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $8,510.00
Debtor obj<>IMPAC MTG/Hanover Ct (McCABE, WEISBERG)

5/3/22(mk)OTBS:Resolution Details:
Payment of post-petition arrears in the amount of $15,751.62 no later than May 20, 2022.
Matter ResolvedRequest
Adjourment
625/4/2022 9:00 am21-18826 / CMGBrian F. O'Malley Notice of Hearing (Upload)Vacated
FAILURE TO FILE SCHEDULES POST CONVERSION
Matter ResolvedRequest
Adjourment
635/4/2022 9:00 am22-10465 / CMGBRUCE W RADOWITZ ESQMotion Motion (Generic) - Only use if no other event is applicableGranted
FOR LOSS MIT
Matter ResolvedRequest
Adjourment
645/4/2022 9:00 am22-10619 / CMGPATRICK L FALCON ESQNotice of Hearing (Upload)Vacated
FAILURE TO FILE SCHEDULES POST CONVERSION
Matter ResolvedRequest
Adjourment
655/4/2022 9:00 am22-10894 / CMGRobert H. Johnson, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramWithdrawnTotal Paid In: $600.00
ACC Mtg obj<>LOSS MIT

5/3/22(mk) This motio was w/d on docket
Matter ResolvedRequest
Adjourment
665/4/2022 9:00 am22-11686 / CMGAndrew Thomas Archer Motion SellContinued
5/18/2022 9:00 am
Total Paid In: $1,500.00
2016 GULF STREAM LODGE TRAILER

4/3/22(mk) TR limited objection: Cert says Debtor is 50% owner- need proof & proof it is insured up to the sale or conf of plan. and amt of lien & copy of settlement /sale docs upon the completion of the sale.

4/29/22(mk): debtor working on lien paperwork
Matter ResolvedRequest
Adjourment
05/4/2022 9:00 am22-12752 / CMGPRO SEOrder Show CauseWithdrawn
CREDIT COUNSELING
Matter ResolvedRequest
Adjourment
675/4/2022 9:00 am22-12920 / CMGEric ClaymanMotion Relief from Stay (Fee)Continued
6/15/2022 9:00 am

OTBS on ths motion but also adj to keep track


AR NOTE PRE RENT ARREARS 13, 459 , MAY NOT ACKOWNOT UAING LEDGE
PLAN WILL PROVIDE $10 K RENT RELIEF , CURE 60 DAYS


Debtor obj; Creditor response<>AVALON MANGMENT/E. State St (GORSKI & KNOWLTON)

341 on for 5/12/22
Matter ResolvedRequest
Adjourment
685/4/2022 9:00 am22-12925 / CMGWilliam H. Oliver, Jr., Esq.Motion Extend TimeGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
695/4/2022 9:00 am22-13004 / CMGWilliam H. Oliver, Jr., Esq.Order Shorten TimeGranted
>>>OST<<<

MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
705/4/2022 10:00 am16-25152 / CMGWILLIAM S WOLFSON, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 77 of 70 required payments   Arrears: $1.00  Total Paid In: $70,615.00
As of 4/21/22(mk);


**CAN REC CONFIRM AT $68,787.17 PTD, THEN $914 x 16, Begin 5/1/22; Base; Remaining terms of prior confirming order apply**



MP(#207) proposes:914 x 16
Matter ResolvedRequest
Adjourment
715/4/2022 10:00 am17-16894 / CMGJohn Zimnis, Esq.Confirmation Hearing on Modified PlanContinued
6/15/2022 10:00 am
Debtor has made 63 of 62 required payments   Arrears: $341.00  Total Paid In: $22,107.00
adjourning to same date as Cert of Default
Matter ResolvedRequest
Adjourment
725/4/2022 10:00 am18-19033 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledContinued
6/1/2022 10:00 am
Debtor has made 46 of 49 required payments   Arrears: $525.00  Total Paid In: $24,104.00
mk:5/4/22:Need order that is to be submitted per the creditor cert of default from 4/20/22. needs I & J and current POI


issues as of 4/28/2022 (JMA)

1) The Order of sale dated 4/20/2022 states "the debtor shall file a modified Chapter 13 plan within 20 days of the date of this order" The order is dated April 20, 2022.
2) This plan should be withdrawn or denied and a new plan filed in accordance with the Order of Sale.

Matter ResolvedRequest
Adjourment
735/4/2022 10:00 am18-35075 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanContinued
5/18/2022 10:00 am
Debtor has made 35 of 42 required payments   Arrears: $0  
Total Paid In: $14,297.00
AS of 4/28/22(mk):

>>WAITING FOR ORDER AS TO AMT OF POST PET. INTO PLAN<<

1.MFR by Lakeview(Frenkel): 0n 4/20/22- need result-OTBS


2. Objection by lakeview Loan(Frenkel):
-plan does not cure arrears or surrender RE

3.TR objection:
-MP adds Post pet into plan- (in 4g of plan- - but does not specify that this is post pet amt)NEED ORDER FOR POST PETITION
---------------------------
- NO covid cert,no I & J; (Filed 4/15/22)
Current POI & 2020 tax return.(Uploaded)


MP proposes: $337 X 39; $307.34 X 45; BASE
COVID EXTEND
Plan has run 40 mos and 44 remain under the extend
-
Matter ResolvedRequest
Adjourment
745/4/2022 10:00 am19-17201 / CMGSteven N. Taieb, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 26 of 38 required payments   Arrears: $0  
Total Paid In: $12,410.00
AS OF 4/26/2022 (at):

RECOMMEND: $11,456 PAID TO DATE, $462 x 49 BEGINNING 5/1/2022, 100% PLAN

1. Need an order allowing WSFS to be paid post petition arrears of $4,230.90 or an amended proof of claim. (RECEIVED CONSENT ORDER - OK)

MP proposes: $11,081 paid to date, $474 x 50 beginning 4/1/2022, 100% plan
Arrears: $35
(adding post-petition mortgage arrears for WSFS from July , 2021 to March 2022)
Matter ResolvedRequest
Adjourment
755/4/2022 10:00 am19-17501 / CMGEric ClaymanConfirmation Hearing on Modified PlanConfirmedDebtor has made 17 of 38 required payments   Arrears: $605.00  Total Paid In: $10,263.00
ISSUES AS OF 4/27/2022 (DM):

***Debtor failed to make the full payment in April. TO CONFIRM, THE DEBTOR NEEDS $10,262.94 PTD, THEN $605 BY 5/31/22, BASE PLAN, $800 SUPPLEMENTAL FEE APP SHALL BE FILED WITHIN 7 DAYS***

1) MP failed to remove $1,914 cure treatment in Part 4b and lease assumption in Part 6 with Bayville Holdings - stay is vacated (MP Doc #72 CORRECTS).

2) MP fails to list Liberal Finance in the surrender section Part 4e (MP Doc #72 ADDS).


Confirmed Case: $2,246.85 Ptd, $350 x 43 start 4/1/20, 0%
Prop. MP: $10,137.55 Ptd, $365 x 2 start 4/1/22, Base
PTD = $10,262.94
Last Claim (4-2) dated 3/21/22
Matter ResolvedRequest
Adjourment
765/4/2022 10:00 am19-17697 / CMGYakov Rudikh, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 43 of 38 required payments   Arrears: $1,465.00  Total Paid In: $62,307.00
ISSUES AS OF 4/27/2022 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $59,377 PTD, THEN $1,465 x 48 STARTING 5/1/22, 100% PLAN WITH $117,000 THRESHOLD PRESERVED, DEBTOR SHALL SIGN UP FOR TFS AUTO PAY WITHIN 10 DAYS***

1) Trustee OBJ:
- MP fails to pay 100% per confirmed case.


Confirmed Case: $2,400 Ptd, $2,313 x 54 start 11/1/19, 100% w $117k Min Div
Prop. MP: Ptd, $1,465 x 50 start 4/1/22, Base
PTD = $59,377
Last Claim (15-1) dated 6/25/19
Matter ResolvedRequest
Adjourment
775/4/2022 10:00 am19-20195 / CMGBrian W. Hofmeister, Esq.Confirmation Hearing on Modified PlanContinued
5/18/2022 10:00 am
Debtor has made 36 of 37 required payments   Arrears: $1,169.00  Total Paid In: $41,658.00
AS OF 4/27/22 (SF)

Trustee objection:
1. Debtor's annual bonus, business income and tax refund is not included on amended Schedule I. Disposable income is approximately $4006 if this income is included and does not support the debtor reducing payment to $400. The original plan was confirmed with a base of $68,545 extended over 60 months. Based on disposable income debtor should still pay in $68,545.


MP proposes $400 x 26 Base, Loan mod approved
Plan has run 35 months with 25 months remaining
Matter ResolvedRequest
Adjourment
785/4/2022 10:00 am19-30747 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 5 of 32 required payments   Arrears: $0  
Total Paid In: $14,450.00
AS OF 4/27/22 (SF)

>>MK: needs conduit order << and submit to atty (WAITING FOR ATTY RESPONSE TO REQUEST FOR CONDUIT PAYMENTS. DRAFT OF ORDER SUBMITTED TO ATTY)

PLAN IS NO LONGER FEASIBLE


1. Objection filed by Deutsche Bank (Douglas McDonough) - Creditor questions feasibility to pay pre and post petition arrears (STAY IS VACATED)

2. Motion to reinstate stay as to Deutsche Bank scheduled for 5/4 at 9 - no opposition.

3. Trustee Certification of Default scheduled for 4/6 at 9:00 a.m. (Trustee will require TFS/ Ewage going forward)

4. Trustee objection:
- The debtor has failed to provide Schedules I and J were amended. Need current proof of income for months February and March 2022. (STILL NEED)
- Plan is not feasible due to Stay Relief for Deutsche Bank
- The plan proposes non-standard order of distribution

MP proposes funds paid to date, $2014 x 57 100%
Plan has run 29 months and proposes to extend to 84 months
Arrears: $13,803


Matter ResolvedRequest
Adjourment
795/4/2022 10:00 am20-16208 / CMGWARREN S JONES, JR ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 25 of 25 required payments   Arrears: $0  
Total Paid In: $7,804.00
as of 4/28/2022 (JMA)

ok to confirm at $7,031.20 paid to date, $312x17 begin 5/1/2022, $768x20 begin 10/1/2023 base plan
-provide Trustee with amended Schedules I&J and supporting current proof of income and copy of 2022 tax return on or by 9/1/2023
Matter ResolvedRequest
Adjourment
805/4/2022 10:00 am20-17796 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanContinued
5/18/2022 10:00 am
Debtor has made 37 of 24 required payments   Arrears: $559.00  Total Paid In: $20,415.00
mK: AR ADJ TO 5/18 FOR PAYMENT DUE FOR APRIL- STRIKE ST OF NJ & PAY CHEVY CLAIM PER CONSENT ORDER. THEN AR WILL REVIEW AND WORK OUT A PAYMENT STRUCTURE AS THE 5,570 DISP INCOME AND A $556 PAYMENT IS ABSURD.


4/29/22 - amended CARES Act Cert and Sch I&J filed
ISSUES AS OF 4/27/2022 (DM):

1) Debtor has NOT made the $559 payment for April.

2) MP provides $13,330 priority treatment to IRS - POC filed for $6,711.15 (PAY PER POC?? - Yes)

3) MP provides $1,104.88 priority treatment to State of NJ - no POC filed (STRIKE?? - Yes)

4) MP provides $11,203.55 cram treatment to Exeter Finance on 2013 Chevy Camaro -



per 1/6/21 Consent Order, total cram payout with interest should be $12,548.59 (PAY PER CONSENT ORDER?? - Yes)

5) Trustee OBJ:
- Need amended Sch I&J (UNRESOLVED).
- Need updated proof of income (UNRESOLVED).
- Need 2020 tax returns (UNRESOLVED).
- Need 2021 tax returns (UNRESOLVED).
- Need file a CARES Act Certification (UNRESOLVED).


Confirmed Case: $4,595 Ptd, $1,050 x 53 start 2/1/21, 100%
Prop. MP: $19,278 Ptd, $559.26 x 63 start 4/1/22, Base
PTD = $19,295
Last Claim (16-1) dated 9/8/21
Matter ResolvedRequest
Adjourment
815/4/2022 10:00 am20-19581 / CMGEric ClaymanConfirmation Hearing on Modified PlanConfirmedDebtor has made 14 of 22 required payments   Arrears: $775.00  Total Paid In: $11,042.00
AS OF 4/26/2022 (at):

RECOMMEND: $9,517 PAID TO DATE, $775 x 39 BEGINNING 5/1/2022, 100% PLAN

MP proposes: $750 X 40 beginning 4/1/2022, 100% to guc's
Arrears: $6,011
(Plan payments need to be set @ $750/mo to begin in April 2022 such that plan will last a total of 60 months.)
Matter ResolvedRequest
Adjourment
825/4/2022 10:00 am20-20285 / CMGRobert C. Nisenson, Esq.Confirmation Hearing on Modified PlanPlan DeniedDebtor has made 24 of 21 required payments   Arrears: $0  
Total Paid In: $11,880.00
MO Denied and New plan w/in 14 days

5/3/22(mk) See notes for OTBS on #2.

updated 5/2/2022 (JMA)
issues as of 4/28/2022 (JMA)

1) Trustee motion to dismiss scheduled for 5/4/2022 - need to resolve
2) US Bank as Cust for Tower DBWIII Trust (Honig & Greenberg) objection to confirmation - need to resolve
-plan not proposed in good faith(mk: OTBS: limited stay relief provided no sale of property can occur within 90 days and notice is first given in the prior to any sale).
3) Plan confirmed as a 100% plan due to non exempt equity in real property in the amount of $144,514.78 - must remain a 100% plan
Need amended I & J and updated POI
4) Trustee objection to confirmation - need to resolve
-the debtor has failed to provide amended Schedules I & J
-the debtor has failed to provide proof of income
-plan was previously confirmed at 100% due to non exempt equity in the property, it must remain

Matter ResolvedRequest
Adjourment
835/4/2022 10:00 am20-20530 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 19 of 21 required payments   Arrears: $0  
Total Paid In: $5,485.00
As of 4/27/22 (DS): Ok to confirm at $4,760 paid, $284 x 41 begin 5/1/22; Base with a minimum dividend $2,331 due to non-exempt equity in TD Bank acct and claim#18-1 of Continental Land Developers to be paid in full per order to be entered on motion to amend claim.

1. Trustee obj to the following:
- Debtor has failed to provide amended Schedules I & J and updated proof of income.
- Plan is not feasible, disposable income verifies $206, would need $268.
- Plan is proposing $0 to gucs, per previous terms of order there is non-exempt equity in bank acct $2,331.

MP Prop $227 x 42; $0
- To pay IRS and lease arrears of Continental Land Developers, per Trustee motion to dismiss.
Matter ResolvedRequest
Adjourment
845/4/2022 10:00 am20-21428 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
5/18/2022 10:00 am
Debtor has made 7 of 20 required payments   Arrears: $3,482.00  Total Paid In: $23,137.00
mk: Consent Order on creditor cert of default- says Post pet arrears -0-Debtro to resume reg payments to mtg co 4/1/22

RESOLVE OR HOLD
4/8 workup for the 4/20 calendar EDC

-arrears to trustee and $10,136 in post petition (see cert of default on for 4/20). Already added $7,000 in PP last year. OTBS but we don't have the order


-also arrears to Quailbrook PP $4,770.50. no PP claim yet(MK: atty says pd in full outside plan)-ADD LANGUAGE TO PLAN TO REMOVE QUAILBROOK POST PETITION PER PLAN CLAIM

Trustee objection:
-Plan wants to increase payments by $250. Trustee can only recommend confirmation with CONDUIT AND EWAGE
-monthly mortgage payments are $1585.97 ($1761 with commish)
-trustee payments will be approximately $3,655 going forward--still need Order on cert of default
-no amended I & J or POI(DONE)
Matter ResolvedRequest
Adjourment
855/4/2022 10:00 am21-12491 / CMGKarina Pia Lucid, Esq.Confirmation Hearing on Modified PlanContinued
5/18/2022 10:00 am
Debtor has made 4 of 15 required payments   Arrears: $0  
Total Paid In: $11,538.00
AR SUGGESTED DISM AND REFILE ATTY WILL CONSULT WITH CLIENT
4/25 workup for the 5/4 calendar EDC

Trustee objection:

$17,049 arrears- Last payment in January

-the 22C requires $1528 monthly to unsecured as per the amended filed 22C so payments would still be over $3000 monthly.

-$5650 in equity from original confirmation

* objection to MP by Powers office

-updated I & J filed and POI filed-INCOME IS ACTUALLY MORE THAN BEFORE. SCHEDULE J INCREASED EXPENSES THEN FILED ANOTHER J ON 4/27 WHICH INCREASED EXPENSES AGAIN. PER UPDATED J PLAN WOULD NOT BE FEASIBLE. THIS NEEDS THE JUDGE

-4/27 filed updated 22C post confirmation

$1377 X 48; BASE
Matter ResolvedRequest
Adjourment
865/4/2022 10:00 am21-13325 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
6/1/2022 10:00 am
Debtor has made 14 of 14 required payments   Arrears: $0  

5/4/22;-needs amended i &J and poi- NEED TFS AUTO PAY IN TERMS


AR RESOLVE OR HOLD
ISSUES AS OF 4/27/2022 (DM): Plan payments will need $8,235 x 48 starting 5/1/22 - payment goes up as each month goes by (dm)

 3/29/22 Consent Order submitted to Chambers.

 1/18/22(mk): PPSD Order submitted on claims 6,7 & 8. But Order lumps together these claims but only lists the amt of POC # 6. Paragraph 4 improper as it sets forth a monthly amt to be distributed by Trustee pro rata. These are unsecured creditors are all paid pro rata based upon claims. Order needs to clearly set forth the amount for each claim. Mk objected to order. Also, per AR, can be adjourned 1 more time to try to resolve and save the case.

 Need to address 109e issue (Mk: atty says he is working on this w/creditor and needs time (An order will be submitted to chambers today by Cesery L. Bullard on behalf of creditor Joseph Cayabyab reducing the claim to $325,000).

1) On 10/14/21 the State of NJ filed a $4,799.42 priority claim that includes estimated taxes for 2018 thru 2020 (AMENDED TO $0).

2) Reverse Mortgage Funding (MARTONE) OBJs - $17,836.96 arrears on Toms River NJ property not treated in the plan (Per Atty - pay it).

3) NewRez dba Shellpoint Mtg/Wilmington Savings (PINCUS LAW) OBJs - the plan does not specifically treat the claim on the NC property in the plan (CONSENT ORDER ENTERED).

*4) TD Bank filed a secured claim on Florida property not treated in the plan (Mk: atty says not owned by debtor - ATTY STILL NEEDS TO ADDRESS THE CLAIM)

5) Trustee OBJ:
- Need homeowners insurance for Toms River NJ property (DOESN'T LOOK LIKE DEBTOR OWNS THIS PROPERTY - DEED IN NAME OF LEAH FISCHMAN).
- Need homeowners insurance for Florida property (PROPERTY OWNED BY THE BUSINESS???)
- Need copy of Deed for Toms River NJ property (PROPERTY DEEDED FROM ROBERT C. DIORIO??? TO LEAH FISCHMAN IN 2018).
- Need copy of Deed for Florida property (TWO PARCELS DEEDED TO PROXIMO PROPERTIES, LLC IN 2017).
- Need amende
Matter ResolvedRequest
Adjourment
875/4/2022 10:00 am21-14026 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
5/18/2022 10:00 am
Debtor has made 4 of 13 required payments   Arrears: $1,305.00  Total Paid In: $14,040.00
5/4/22; adj to 5/18 for tfs to post & then rework terms


5/4/22: atty sent proof of TFS payment for 2,850 - but TFs hold is 5 days

AS of 4/26/22(mk):

workup for plan #37

**PLAN DOES NOT APPEAR FEASIBLE AS WOULD NEED $8,250 PTD, Then $3,487 x 49 Begin 5/1/22;Base w/min to GUCS $36,900 Due to Equity in Personal property; TR to pay PNC arrears claim #8-1 for 10.00

>.Creditor cert of default filed by Santander on the 2019 Ram- obj deadline 4/26/22

>>MRF by Wells Fargo( Powers) filed & on for 5/4/22- NEED RESULT-will this impact plan? ( MK NO- cure is outside plan)


1. Objection by TD Bank(Saldutti):
There is remaining equity in the business of $36,900 according to the schedules.
Has a j'ment (guc) says equity in RE (mk: not anymore due to IRS CO where total secured is now 85,188.36. Priority is 23,045.97

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

IRS Objection: RESOLVED: CONSENT ORDER provides pay prioryt$23,045.97; secured 79,015 PLUS interest of $6,172.81 on the sec portion-Toal is $85,188.36

The modified plan has not fully addressed the objections of IRS. First, you have combined the secured and priority claims in Part 3 of the Plan. The secured claim needs to be separately provided for in Part 4. Second, the plan most provide for post-confirmation interest on the secured claim at the statutory rate of 3%. Mr. Russo requires a separate order (or consent order) to provide for the interest. Please advise how you intend to address these issues.

- Tr Objections to original plan filed regarding income & expenses is resolved by this MP before conf that increases plan payment and docs provided on income & expenses ok for 4P hh-


Plan:$7500 PTD; $2180 X 50 BEG 4/2022; BASE
ptd now is $8,250
bar dat passed

Matter ResolvedRequest
Adjourment
885/4/2022 10:00 am21-14059 / CMGAllen I. Gorski, Esq.Confirmation Hearing ScheduledContinued
6/1/2022 10:00 am
Debtor has made 3 of 13 required payments   Arrears: $350.00  Total Paid In: $1,300.00
AS OF 5/3/2022 (at):

1. Need January and February pay stubs. Only one pay stub provided.

2. Need 2021 tax return.

3. Excessive expenses: $249/month for the gym, $100/month to student loans which are being paid through the plan and $800/month to parents. Need proof of excessive expenses at least 10 days prior to confirmation.

MP proposes: $1,100 paid to date, $250 x 25 beginning 5/1/2022, base
Arrears: $100
Matter ResolvedRequest
Adjourment
895/4/2022 10:00 am21-15782 / CMGAndrew Thomas Archer Confirmation Hearing on Modified PlanContinued
5/18/2022 10:00 am
Debtor has made 9 of 11 required payments   Arrears: $0  
Total Paid In: $1,122.00
>Motion to reduce tax claim filed on 5/4/22

3/18 workup for the 4/6 calendar EDC

8 months and est NJ still not resolved

MP filed $121 x 60 begin 8/1/21; Base --LM by 2/2/22


* Priority amt $2,177 is ESTIMATED 2018 & 2020-cannot confirm until this is resolved


-----------------------
Prior resolved issues:
* Trustee Objection:
-need 2020 Tax return with all pages. OK

* BMW Fin. filed arrears $30 POC #5-1- OK TO PAY?
Surrender in MP OK
-need Amendments to Schedules B and C to add correct year for BMW
SUV -OK SURR
-as of now, non-exempt equity on vehicle not listed on Sched B
(Pending amended Sched B and C)..OK SURR
* Objection By Freedom Mtg.(Brock & Scott):
MP still plan fails to pay arrears and has unaffected.
ARREARS $24,535.16- OK TO PAY or is this resolved with LM order? RESOLVED
* SECURED POC Filed by St. OF NJ 1,664.63- STILL NOT IN PLAN.-OK to pay
--Motion To Approve LM granted
--motion for relief on BMW-OK surrendered in plan

Matter ResolvedRequest
Adjourment
905/4/2022 10:00 am21-16503 / CMGRONALD S. GELLERT, ESQ.Confirmation Hearing ScheduledDismissedDebtor has made 7 of 10 required payments   Arrears: $0  

NS second call 11:41 AM

 4/28/22 - a second substitution of counsel has been filed adding Ronald Gellert, Esq. from Gellert Scali Busenkell & Brown, LLC.

- What is the purpose of this Ch. 13 case? Two non-dischargeable student loan claims filed (DEBTOR IS A FULL-TIME STUDENT AND HAS RECEIVED A 2022 INTERNSHIP EXTENSION).

- Substitution of Attorney filed in the case - former attorney and substituting attorney appear to work for the same law firm. Substituting attorney is requesting $4,600 fees in the plan and former attorney filed a priority POC for $3,600 - This could be a conflict of interest and may need to go before the Judge (FILE STARTED AS A DELAWARE CASE - IN DELAWARE, A POC MUST BE FILED FOR DEBTOR'S COUNSEL ATTORNEY FEES - POC (3-1) SHOULD BE WITHDRAWN. TRUSTEE CAN THEN SET UP $4,600 THROUGH THE PLAN IF AMENDED DISCLOSURE STATEMENT IS FILED)

 2/18/22 - substitution of counsel filed adding Steven Land, Esq. and removing Edward Corma, Esq. Both attorneys are with Cooper Levenson, P.A.

 1/12/2022 (at): RECOMMEND: $625 PAID TO DATE, $724 x 43 BEGINNING 2/1/2022, 100% TO GUC'S, Need updated proof of income by 6/1/2022, Preserve $11,770.00 in non-exempt equity in the bank accounts, Strike part 10 of the plan pertaining to DE judgment, Need to file Pre-Confirmation Certification within 7 days of confirmation.

LIQUIDATION ANALYSIS - BK FILED 8/13/21
- Chase savings acct #6785 is in the name of Alex Mastronardi or Lucia Mastronardi. The closest statement to the Bk filing date the Trustee has is 7/9/21. The balance on that date is $11,001.97. Amended Sch. C exempts $5,499.90. If acct is a traditional joint acct, then there is $0 as non-exempt.
- Chase checking acct #9823 balance as of 8/11/21 was $5,779.52. Amended Sch. C exempts $2,818.92, leaving $2,960.60 as non-exempt.
- Morgan Stanley statement is in the name of Lucia Mastronardi C/F Alex Mastronardi. The statement is dated 6/30/21, is missing pages 1 thru 3, and has an ending balance of $9,565.97. Ame
Matter ResolvedRequest
Adjourment
915/4/2022 10:00 am21-17773 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 7 of 8 required payments   Arrears: $0  
Total Paid In: $5,400.00
AS OF 04/27/22 (SF) - Last payment received in February.

Trustee objection:

MP proposes to reduce payment. Need amended I and J and current proof of income. (STILL NOT PROVIDED)

MP proposes $800 x 3, $365 x 57 100%, Loan Mod by 7/31/22
Plan has run 6 months with 54 months remaining
Arrears: $2469

Matter ResolvedRequest
Adjourment
925/4/2022 10:00 am21-17865 / CMGFRANCIS P CULLARI, ESQConfirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 8 of 8 required payments   Arrears: $0  
Total Paid In: $2,121.00
mk; adj to 6/15/22 NFA:need more proofs on motion to expunge to support debtors' position - file suppl submission and 2 weeks for creditor to appea

ISSUES AS OF 4/29/2022 (DM):

***Debtor needs to resolve Fox Chase Condo Assn objection. In order to resolve the Trustee disposable income objection, the debtor will need $475 x 30 starting 5/1/22 or plan can be extended to reduce the monthly payment***

 1/14/22 - Attorney requested adjournment to resolve obj with Fox Chase.

1) US Bank/PHH Mtg (RAS) OBJs - $2,525.11 arrears not treated - CONSENT ORDER ENTERED, but MP treats as secured unaffected (PAY PER CONSENT ORDER?? >>mk:5/2/22 per Aleisha J email - YES PAY IN PLAN PER ORDER<<

2) Fox Chase Condo Assn (CUTOLO BARROS) OBJs to treatment of its claim (UNRESOLVED).

3) Trustee OBJ:
- Income verifies higher there is disposable income of $550 per month.
- Final Loan Mod was granted with CFT Asset (2nd mtg) - need MP to remove Loan Mod (MP REMOVES THE LOAN MOD).
- Need to file Pre-Confirmation Certificate (FILED).


Prop. Plan $265 x 36, Base
PTD 6/6 = $1,591
Last Claim (5-1)
Matter ResolvedRequest
Adjourment
935/4/2022 10:00 am21-18301 / CMGFREDERICK J SIMONConfirmation Hearing ScheduledContinued
6/1/2022 10:00 am
Debtor has made 7 of 8 required payments   Arrears: $1,128.00  Total Paid In: $7,407.00
4/26 workup for the 5/4 calendar EDC
--NOTHING DONE SINCE LAST TIME

As of 3/24/22 (DS): 1. Trustee obj to the following:
- Need 2020 tax return, and now 2021-- NOT DONE
- Must amend Schedule B and C to add bank acct. NOT DONE
- Need mod plan that removes Champion Mortgage from Part 4g, claim $455,891.47 is not being paid in full. Only pay arrears $59,469.70, list on Part 4a to cure arrears and remove Greymoor LLC arrears. NOT DONE
- Must resolve creditor objection.
- Must file Pre-confirmation certificate.

2. Greymoor LLC did not filed claim, bar date has passed 1/4/22. Plan list to pay claim in full $2,028.94.

3. Nationstar Mortgage (MCCALLA RAYMER LEIBERT PIERCE) obj to plan proposing to pay claim in full not feasible. Obj must be resolved.

4. Must file Pre-confirmation certificate.

Prop Plan $1,035 x 60; Base
-----------------------------------
Resolved:
full Sept. and Oct. bank statements for Chase acct#5655 DONE
--and homeowner insurance with personal liability coverage (only received application and fire insurance). DONE
Matter ResolvedRequest
Adjourment
945/4/2022 10:00 am21-18372 / CMGPRO SEConfirmation Hearing on Modified PlanContinued
5/18/2022 10:00 am
Debtor has made 1 of 8 required payments   Arrears: $0  

4/27/22(mk):
---Has debtor submitted the LM package on the first mtg yet?

>>3rd MP(#53) filed and on for 5/4/22- it does not resolve anything.

**Motion objecting to claims(Bank of America & MEB LOAN Trust) on for 5/18/22 (and the prior plan #40 was adj to 5/18/22.

------------------------------------
As of 3/30/22(mk):Debtor must appear - 3rd MP just filed does not resolve anything - Case is REC DISMISSAL

-Debtor filed a 3rd MP on 3/29/22- hearing date is 5/4/22- Same plan LM extended to 7/15/22. Adjusts mtg payment outside for US Bank (1st Mtg)from$ 1050 to $1567.74. Has $50 for 2nd mtg & $100 for 3rd Mtg in Part 4a(same a prior plan)

**Debtro has insufficient income to cover the AP payments to the 1st MTG if MFR is resolved let alone any other living expenses.

>>>ONLY CLAIMS IN THE CASE ARE FOR THE 3 MTG COMPANIES- NO GUCS-NO EQUITY IN REAL PROPERTY -UNDERWATER- NO PROOF OF ANY LOSS MIT W/2nd & 3rd MTGS<<<

>>PLAN IS NOT FEASIBLE. only has Loss Mit w/ first mtg.US Bank/ Selene(RAS)- have any docs been submitted trhu portal?
ALL # MTGS HAVE FILED CLAIMS
US Bank-1st mtg -arrears 256,752.32
Bank of America- 2nd Mtg-arrears-25,933.78
MEB Loan Truste- 3rd Mtg-arrears-98,407.92

-debtor has 1500 p/ m income for day care - proof was affid and her 341 testimony- CASE IS NOT FEASIBLE

4/6/22: hearing relisted on MFR Order as parties disagree on terms- Needs resolution

This work u is on MP before Conf #40 filed 2/22/22

1. Objection by Bank of America(Frenkel )
-Plan fails to cure arrears

2. Objection By US Bank (RAS)
- No LM has been offered
Order for loss MT entered 3/2/22- debtor to use Portal- HAVE ANY DOCS BEEN SUBMITTED?

3. Trustee Objection:
- debtor has insufficient income to fund plan- Faile to file a feasible plan- 3 mtgs on RE - proposes LM on all 3. Only app'd for loss Mit on 1st mtg-
-Case is 5 mos old and only 1 payment has been made thus far for $150.
-Plan fails to complete Parts 5a,(no guc claims filed)8a,8c 8d and Part 9
-must file pre conf cer
Matter ResolvedRequest
Adjourment
955/4/2022 10:00 am21-18412 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
6/1/2022 10:00 am
Debtor has made 3 of 8 required payments   Arrears: $725.00  
mk:5/4/22; home insurance & 2021 return uploaded today


ISSUES AS OF 4/29/2022 (DM):

***Debtor needs to provide updated homeowners insurance (expired 3/31/22) - RECOMMEND DISMISSAL***

1) IRS filed $19,462.10 priority claim that includes estimated taxes for 2018 thru 2020 (UNRESOLVED).

2) IRS filed an unsecured claim that includes estimated taxes for 2015 thru 2016 (UNRESOLVED).

3) NJ Div of Taxation filed $9,890.94 priority claim that includes estimated taxes for 2018 thru 2020 (UNRESOLVED).

4) Deutsche Bank/Ocwen (RAS) OBJs - $347,447.76 arrears (UNRESOLVED).

5) plan provides $105 secured treatment to TRWRA for sewer charges - no POC filed (STRIKE??)

6) Trustee OBJ:
- Debtor has failed to file a feasible plan (PLAN IS UNDERFUNDED).
- Need proof of income for Co-Debtor for Feb & March (UNRESOLVED).
- Need 2021 tax return (UNRESOLVED).
- Need homeowner's insurance renewal - insurance expired 3/31/22 (UNRESOLVED).
- There is $392 non-exempt equity in 2008 Cadillac.
- Need proof of service with respect to Plan Motions (FILED).
- Add to confirming order - Debtors to provide 2 months recent proof of income by 7/1/22.
- Case needs to be a Base due to Loan Mod.
- Need Fee App within 7 days of confirmation.
- Need to file Pre-Confirmation Certificate (UNRESOLVED).


Prop. Plan $250 x 6, $725 x 54, 0% Plan, Loan Mod by 5/1/22
PTD 4/6 = $1,000
Last Claim (3-2)
Matter ResolvedRequest
Adjourment
965/4/2022 10:00 am21-18456 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 5/2/22 (DS): Debtor attorney requested adjournment, 341 sched 5/26/22
Matter ResolvedRequest
Adjourment
975/4/2022 10:00 am21-18712 / CMGBrian W. Hofmeister, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 5 of 7 required payments   Arrears: $460.00  Total Paid In: $2,000.00
4/26 workup for the 5/4 calendar EDC - Atty ok with terms

Only $3373 in filed unsecured claims so the trustee objections can be resolved with a 100% plan

**RECOMMEND CONFIRMATION AT:
$1600 paid then $430 x 55 beginning 5/1/22-100% plan (min. of $31,620 due to equity)--Loan mod with US Bank by 8/1/22


* Trustee objection to confirmation:
---need a modified plan that treats US Bank -Order submitted but No LM date in the order for US Bank. How about LM by 8/1/22?

----the debtor is not paying all disposable income into the plan - overall income verified higher $8,338.62 than scheduled $7,615.05 which leaves disposable net income of$1,038.70
-Motion Federal Credit Union end balance as of 10/31/2021 $45,521.14, Schedule B only listed balance of $22,760.57...Schedule C only exempts $13,900 so there is non exempt equity of $31,621.14


proposed plan $400x60 base plan with loan mod by 3/31/2022
paid in $1200
arrears $400
last claim 3
-------------------
RESOLVED


1) US Bank(Romano Garubo) objection to confirmation -RESOLVED
2) Fairways at Forsgate Homeowners Association Inc (McGovern Legal) objection to confirmation - RESOLVED, CONSENT ORDER SUBMITTEDTHE SECURED AMOUNT OF $2,365.08 IS TO BE PAID THROUGH THE PLAN
-secured claim $2,365.08(MK PAY THIS)
---need a copy of the homeowner's insurance renewal declaration - need declaration page showing specific coverage DONE
-Must file Pre Confirmation Certification with Court RESOLVED, FILED
-there are two large deposits into the Motion FCU account, $29,200.66 on 10/1/2021 and $20,000 on 10/20/2021 - what is the source of these funds? Need certification from debtor explaining DONE
He has provided Returns to Ms. Jones at IRS- waiting for APOC.--DONE

there is home insure mace coverage in effect till 9/22/22. Needs personal liability. OK
Matter ResolvedRequest
Adjourment
985/4/2022 10:00 am21-19120 / CMGYakov Rudikh, Esq.Confirmation Hearing on Modified PlanContinued
5/18/2022 10:00 am
Debtor has made 4 of 7 required payments   Arrears: $0  
Total Paid In: $1,293.00
5/4/22:Morton says working on resolving obj.

4/26 workup for the 5/4 calendar EDC

*If Morton resolved with no cram we can workup at 100% to resolve trustee objection (only $800 in gucs if no cram)

1. Due to debtor's certification provided 3/14/22, Trustee will require proof of rental lease. Cert states Debtor has roommate, who also pays rent and household expenses, Schedule I does not list contribution toward expenses by person on joint bank acct.. NOT DONE

* Trustee obj to the following:
- Bank statements provided for TD account #0988. Attorney emailed acct not Debtor's, $2,000 was put in joint acct from person on acct to assist Debtor with rent and expense, but person on joint acct does not contribute toward Debtor's expenses. Debtor's cert states this person contributes to rent and household expenses, need rental lease.
- Disposable income verifies $388.
- Need to add to confirming order Trustee standard order of distribution and Debtor to provide updated proof of income by 6/30/22.

* United Auto Credit (MORTON) obj to plan cram of 2005 Ford F250, NADA values $12,650, with loan balance $11,820 and no adeq protection payments $158 per month. Obj must be resolved.

Prop Plan $140 x 60 begin 12/1/21; Base
Note: MP FILED 2/8/2 AND REMOVES UNITED AUTO CREDIT FROM 4B, DUE TO CRAM. IRS CLAIM AMENDED, NO LONGER ESTIMATED.
Matter ResolvedRequest
Adjourment
995/4/2022 10:00 am21-19455 / CMGTAMIKA N. WYCHE, ESQ.Confirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $1,105.00  
adj to 7/6/22 NFA- to deal w/ tax claims

Attorney holding $3,200
ISSUES AS OF 4/29/2022 (DM):

***Debtor is 2 of 4 payments - last payment received in January. If debtor wants to continue with the case, he will need to sign up for TFS auto pay. RECOMMEND DISMISSAL***

1) NJ Div of Taxation filed $1,500 priority POC (10-1) for 2021 estimated post-petition taxes not treated in the plan (UNRESOLVED).

2) NJ Div of Taxation filed $1,828.21 priority POC (11-1) that includes estimated taxes for 2019 (UNRESOLVED).

3) State of NJ Dept of Labor filed $59,779.68 secured judgment POC (3-1) not treated in the Plan (OKAY TO ADD?? )Mk: PER ATTY PAY

4) The Bank of New York Mellon/New Rez (RAS) OBJs - $189,279.82 arrears on Country Club Rd property (OTBS - LOAN MOD BY 7/26/22).

5) US Bank/Selene (RAS) OBJs - $75,980.68 arrears on Whitman Ave property (OTBS - LOAN MOD BY 7/26/22)

6) Trustee OBJ:
- Need amended Sch B/C to add 2007 Mercedes (FILED).
- Need valuation of Debtor's business.(Mk ;per lettter in post 341 miscel docs & AR review - Tr will value b'ness at 1 million dollars.)
- Disposable (business) income is $7,342 per month - 100% Plan.

Note: Auto insurance for all vehicles provided 2/9/22. Pre-conf cert filed 3/29/22.


Prop. Plan $1,600 x 60, 100% Plan, Loan Mods by 6/1/22
PTD 2/4 = $3,695
Last Claim (9-2)
Matter ResolvedRequest
Adjourment
1005/4/2022 10:00 am22-10083 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $102.00  Total Paid In: $1,000.00
As of 4/27/22(mk):updated-atty ok to terms

**REC CONFIRM AT $600 PTD, THEN $200 x 1

1. Objection By NJ Housing & Mtg(Pluse):
plan has unaffected arrears $157.77- OK TO PAY? mk: creditor says paying this resolves objection.
-failure to file feasible plan

2. M & T Bank filed a bifurcated claim- ( the claim has secured & unsecured- No arrears so OK to add language " M & T Bank, POC #4-1 shall be treated as current/outside and will not receive distribution on the secured or unsecured portions of the claim." ??- (YES add this language)Need answer to this.

3. Trustee Objection
-There is non-exempt equity $1,212.23 in real property
and possibly in bank
accounts. money market acct, Capital Grp,
Vanguard and Life insurance policies
(pending all statements).
- Need 2 months bank statements from all
bank accts listed on Schedule B, including
Money Market Account with PNC Bank,
prior to filing date.
- Need value statements from Capital Group,
Vanguard, Liberty Insurance and Foster 's
Financial, prior to filing date. ( Provided- NE equity in PNC7,033 and cap. Group 43,467 = 10,500
------------------
-need current proof of home & auto
insurance- what was provided has expired(PROVIDED)
-needs a MP that marks off Section 8a vesting
of property of the estate. Or added
to conf terms- ADD TO TERMS
- need 2021 Tax return by 5/31/22(Provided)
-pre conf cert filed


Plan:$200 x 60 begin 1/5/22; Dollar Base $5,800
3/3 payments
last claim:6-1 bar date 3/16/22
Matter ResolvedRequest
Adjourment
1015/4/2022 10:00 am22-10186 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $1,265.00  Total Paid In: $5,060.00
mk: atty ok to terms- put on record.

AS OF 5/4/22 (SF) UPDATED

RECOMMEND $1265 X 60 (BEGIN 2/1/22) 100% PLAN
- TFS AUTO PAY TO BE SET UP WITHIN 90 DAYS OF CONFIRMATION
- US DEPT OF HUD CLAIM 7-1 IS CURRENT AND TO BE PAID OUTSIDE PLAN
- FILE PRE-CONFIRMATION CERTIFICATION WITHIN 10 DAYS



AR HELD FOR CREDITOR OBJ TO FEASIBILITY
ADD TFS AUTO PAY TO BE SET UP WITHIN 90 DAYS OF CONFIRMATION
needs TFS in terms- creditor objects to feasibility

AS OF 04/27/22 (SF)

1. Objection filed by McCormick 110, LLC (Kyle Eingorn) - Debtor has received 4 loan modifications and is now again in arrears having failed to make a single payment since October 28, 2019 resulting in arrears of $50,533.57. Schedules fail to account for taxes. There is no indication that Debtor will have sufficient income to pay increases.
AR PAY PER CLAIM

2. Family Contribution Affidavit provided in the amount of $1219 (SCHEDULE I WAS NOT AMENDED)

3. McCormick 110, LLC/BSI Financial Services filed arrears claim 4-1 for $50,533.57 (OK TO PAY?)(mk:atty will pay for conf but we have creditor issue on feasiblity).

4. US Dept of HUD filed secured claim 7-1 with zero arrears, not addressed in plan.(MKadd terms to treat as current & outside)

5. Must file pre-confirmation certification

Plan proposes $1265 x 60 100%
Payments: 2/2


RESOLVED ISSUES:
- State of NJ filed estimated priority claim 5-1 (AMENDED)
Matter ResolvedRequest
Adjourment
1025/4/2022 10:00 am22-10429 / CMGYakov Rudikh, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 5 required payments   Arrears: $840.00  Total Paid In: $1,992.00
AS OF 4/28/22 (SF)

RECOMMEND $1500 PTD, $666 X 45 (BEGIN 5/1/22) BASE PLAN
- DEBTOR TO PROVIDE COPY OF 2021 TAX RETURN BY 5/31/22
- FILE PRE-CONFIRMATION CERTIFICATION WITHIN 10 DAYS
- AMEND SCHEDULE G TO ADD RESIDENTIAL LEASE WITHIN 10 DAYS
- TRUSTEE STANDARD ORDER OF DISTRIBUTION


1. Need to know debtor's marital status. According to tax return and 122C debtor has a household size of 2. No proof of income provided for spouse.(HOUSEHOLD SIZE IS 1, NOT 2. DEBTOR IS SEPARATED AND IN PROCESS OF DIVORCE) Food budget is excessive by $150. Reduced expenses by $150 (RECOMMEND 48 MONTH PLAN)

2. Trustee objection:
- The debtor has insufficient income . (Recalculated income and now verifies at $962)
- A copy of the last filed tax return - 2021 by 5/31/2022.
- Amendments to Schedules G to address residential lease.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution
- Need to file Pre-Confirmation Certification.

Plan proposes $492 x 60 Base
Payments: 3/3

RESOLVED ISSUES:
- State of NJ filed estimated priority claim 6-1 (AMENDED)
- A Modified Plan that assumes or rejects residential lease. (FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$627/MONTH CAR PAYMENT (STAY RELIEF PENDING 3/1/2022). Need amended Sch J if
car is being returned. (MOTION WAS GRANTED)
- The Plan fails to provide for a prompt cure of rental arrears. (NO PROMPT CURE)



Matter ResolvedRequest
Adjourment
1035/4/2022 10:00 am22-10494 / CMGMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

As of 4/27/22(mk):

>. Just waiting on APOC by IRS then can work up

1. IRS-(#18) filed estimated GUC claim $519.97- no return for 2017- needs resolution as this is a base plan-

2.Trustee Objection: Resolved
-There is non-exempt equity on real property($950) &non-exempt equity on 2016 Jeep $1,391 =2,341. (Plan payment covers it)
-Debtor to provide information regarding the
sale of the Cedar Glen Co -op from 2020.(Provided- rec'd $68,776.30? Used $ to but current Co OP))
-need copy of the last filed tax return - for 2021 or cert of non -filing.(provided)
-St. Of NJ estimated claim. (APOC-0-)


Plan:$100 x 36 begin 2/1/22; Base
2/3payments
last claim:37-1 bar date:4/1/22






Matter ResolvedRequest
Adjourment
1045/4/2022 10:00 am22-10497 / CMGMichael McLaughlin, Esq.Confirmation Hearing ScheduledContinued
6/1/2022 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $500.00  
ISSUES AS OF 4/29/2022 (DM):

1) NJCC Fund #5 (RAS) OBJs to confirmation - plan does not acknowledge the amount of the total debt claim, which matured in 2011 - sale has not been approved (UNRESOLVED).

2) Debtor's attorney must get an order with FNMA/NJCC authorizing the Trustee to make $500/month adequate protection payments.

3) Valley National Bank a secured claim with $5,869.80 arrears/default not treated in the plan (UNRESOLVED - add secured unaffected to confirming order).

4) Part 5a of the Plan is blank (NEED TO CONFIRM AT 100%)

5) Trustee OBJ:
- Debtor has insufficient income.
- Need copy of 2021 tax return by 5/31/22.
- Need updated car insurance.
- There is $173,388 non-exempt equity in real estate.
- There is $8,610 non-exempt equity in bank accounts.
- Need to file Pre-Confirmation Certification (FILED).
- The plan needs to run a minimum of 36 months.


Prop. Plan $500 x 12, ??? Plan, sale by 8/31/22
- Trustee payments are AP payments to NJCC
PTD 3/3 = $1,500
Last Claim (2-1)
Matter ResolvedRequest
Adjourment
1055/4/2022 10:00 am22-10540 / CMGJohn F. Bracaglia, Jr., Esq.Confirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 103 of 5 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1065/4/2022 10:00 am22-10756 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
6/1/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

adj to 6/1/22 - CONFIRM OR DISMISS

see possible NE equity in inherited IRA that may cause a 100% plan


As of 4/28/22 (DS): 1. BELOW ISSUES NOT RESOLVED.

As of 4/4/22 Debtor attorney requested adjournment to allow claims to be filed by bar date.

4/6/22 (DS): 1. Trustee obj to the following:
- Schedule B list inheritance from father's Wells Fargo acct as unknown amount.
- Trustee requires proof of the amount in father's bank acct, need copy of Will and a certification as to what, if anything else debtor inherited from his estate.
- Must add to confirming order non-exempt proceeds from father's estate to Trustee.
- Need 2021 tax returns, if not filed must provide no later than 5/31/22.
- There is non-exempt equity Debtor 1/2 interest on 2011 BMW $255.50, Jewelry $800 and Bank accts $23.18. Recommend waiting pass bar date 4/11/22, unless claim is filed before conf hearing.

Prop Plan $766 x 60 begin 2/1/22; 0%
Note: Tier plan no issue, since plan pays out more in the 36 months and requires to pay non-exempt equity on assets. There is no equity on real property, claim filed higher.
Matter ResolvedRequest
Adjourment
1075/4/2022 10:00 am22-10814 / CMGJoan Sirkis Warren Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $259.00  Total Paid In: $1,750.00
As of 4/26/22(mk):atty ok to terms

CAN REC CONFIRM AT $874 PTD, THEN $567 x 58, Begin 5/1/22; base with min to gucs $22,203 Due to non-exempt equity in real property; Trustee is authorized to pay Sterling Bank claim #23 through the plan and Debtor has 30 days from date of confirmation order to move against the claim. Must file pre conf. cert in 10 days.**



>>PER LAST TIME ATTY SAYS POC FOR MTG IS NOT CORRECT<< WHAT'S STATUS ON THIS?(atty says mtg co atty has not responded. Wants to confirm and include arrears POC in plan calculation and give debtor 30 days to move against claim)

>>IS THERE A SECONF MTG OB THIS PROP? - NO POC FILED?

1. Objection by Sterling National(Milstead)
-plan does not treat arrears- POC$5,160.58

2. Trustee Objection:
-As of now there is $22,203 in NE equity in RE
No POC for home equity line yet _bar date passed - no claim filed)
- need 2021 tax return by 5/31/22.
-need Bank of America combined statement for #8461 and #0107 for January 2022(Provided)
-debtor not paying all dispos. income into
plan. Trustee's calculations are higher due to :
Form 122c Line 45 shows monthly disposable net of $404.93 which requires minimum $24,295.80 div to gucs

plan:$437 X 60 BEG 3/2022; MIN $20,824
2/2 payments
bar date:4/12/22
Matter ResolvedRequest
Adjourment
1085/4/2022 10:00 am22-10877 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $5,790.00
UPDATED 5/3/2022 (JMA)

ok to confirm at $2,804 paid to date, $1,584x57 begin 6/1/2022 100% plan
-Co Debtor needs to provide Trustee with updated proof of income on or by 8/31/2022
-Need to provide Trustee with a copy of the 2021 tax return on or by 5/31/2022
-Need to provide the Trustee with an updated status of the personal injury case within 3 months from confirmation from the attorney handling that case - which would be on or by 8/11/2022
-Per Debtors counsel Trustee will strike the plan motion as to United Teletech Financial Federal Credit Union


updated 4/28/2022 (JMA)
issues as of 4/25/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
-need a copy of the 2021 return on or by 5/31/2022
-need updated income for the co debtor by 8/31/2022
-the debtor has undertaken an improper use of exemption. Specifically, Trustee reserves right to object to exemptions related to the Personal injury suit, specifically as to spouse's damages. Need proof of that spouse was named in state court complain for loss of services. DEBTOR AND CODEBTOR NAMED IN LAWSUIT, CODEBTOR IS THE INJURED PARTY
-the debtors plan consists of unnecessary or excessive expense items such as $500/month for car insurance, per statement $313/month - OK 100% PLAN
-the debtor is not paying all disposable income into plan - verified income leaves monthly disposable income of $3,099.53 - OK 100% PLAN
-Per Form 122c, monthly disposable income is $4,043 which requires a minimum dividend of $242,580 to unsecured creditors - OK 100% PLAN
-need to file Pre Confirmation Certification with Court RESOLVED, FILED
-need a statement for debtors thrift loan RESOLVE, PROVIDED STATEMENT, LOAN IS TO BE PAID IN FULL BY 4/1/2022 - OK 100% PLAN
-need statement for Chase money market account for December 2021 and January 2022 - PROVIDED CERTIFICATION THAT ACCOUNT WAS INADVERTENTLY LISTED ON THE PETITION, IT WAS CLOSED 9/2019. AT THE TIME THE ACCOUNT WAS CLOSED THERE WAS A BALANCE OF $
Matter ResolvedRequest
Adjourment
1095/4/2022 10:00 am22-10941 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
6/15/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $150.00  
AS OF 4/26/2022 (at):

1. Objection filed by Capital One Auto Finance (Mester & Schwartz) - value of 2015 BMW is $19,650.00 and creditor wants $21,846.35 paid through the plan. Plan proposes cram amount of $12,230.

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2021 return provided by 5/31/2022 (NOT RECEIVED - LANGUAGE ADDED)
- Need to address the estimated claim filed by the IRS including possible non-dischargeable unsecured tax claims based upon the recent Chapter 7 discharge. (STILL ESTIMATED)
- Need Proof of Service for Reliance Motion for Cram of 2016 BMW. (MOD PLAN REMOVES CRAM OF 2016 BMW)


Modified plan before confirmation proposes: $450 x 60 beginning 3/1/2022, $0 to guc's
Payments: almost 2/2, arrears $75

(part 4d: removing cram of Innovate Loan Servicing (2016 BMW)
Part 7c: removing cram of Innovate Loan Servicing (2016 BMW)
part 6: curing arrears for lease of removing cram of Innovate Loan Servicing (2016 BMW)
Matter ResolvedRequest
Adjourment
1105/4/2022 10:00 am22-11054 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
6/1/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS of 4/25/22(mk)

>>Tax claims need to be resolved, then case can be worked up<<

1.ST. of NJ (NOT IN PLAN) filed claim(#7-1) - looks like there is estimated liability for priority taxes- Needs to be resolved

2.IRS filed POC( NOT IN PLAN)- THIS is also estimated.

3. Hyundai Capital filed arrears POC $2687.99- NOT IN PLAN- needs to be paid

4.. Trustee Objection:
- as of now,There is $23,644.06 in non-exempt equity in the residence (100% PLAN- no mtg claim).


Plan: 1,578 x 60 100%
payments 2/2
bar date 4/20/22
Matter ResolvedRequest
Adjourment
1115/4/2022 10:00 am22-11112 / CMGKevin C. Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 1 of 4 required payments   Arrears: $1,970.00  Total Paid In: $1,350.00
AS OF 5/4/22 (SF)


RECOMMEND $675 X 2 (BEGIN 3/1/22); $985 X 58 (BEGIN 5/1/22) BASE PLAN
- Ok to pay IRS secured claim 1-4 thru plan
- Ok to pay Capital One arrears claim 4-1 thru plan


Plan proposes $675 x 60 Base
Payments: 2/2



RESOLVED ISSUES:
- Business profit & loss statements (Per MK not needed)
- Need January and February bank statements for Wells Fargo CeCe Lings Fresh
account. (Per MK, not needed)

- IRS filed secured claim 1-4 in the amount of $23,558 which is not addressed in plan (OK TO PAY?)YES

- Capital One Auto Finance filed arrears claim 4-1 in the amount of $496.23 which is not addressed in plan (OKAY TO PAY?)YES
3. Trustee objection:
- A copy of the last filed tax return - 2021 by 5/31/2022. (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - . Policy provided expired 4/13/22.
- Need to file Pre-Confirmation Certification (FILED)
5/4/22(mk): per atty - yes pay IRS and Cap one auto. All docs requested by trustee are in
Matter ResolvedRequest
Adjourment
1125/4/2022 10:00 am22-11147 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $400.00
As of 4/28/22 (DS): 1. Trustee obj to the following:
- Need updated CMA. Sales in CMA are from 2021. Zillow values property much higher with comparable sale in 2022.
- There is estimated non-exempt equity on real property $6,659.54 pending updated CMA.
- IRS filed tax claim for 2018 owed $399.04. Trustee ok to pay?(mk: YES PAY)
- Add to confirming order Debtor to provide 2 months recent proof of income 6 months from confirming.

2. US Bank/Fay Servicing (MCCALLA RAYMER LEIBERT) obj to arrears more and Loan mod. POC filed with arrears higher.(MK: woriking on this)

Prop Plan $100 x 12 begin 3/1/22; $1,250 x 48; Base and Loan mod on Halliard by 8/1/22 or Refinance on Halliard Ave by 2/1/23
Matter ResolvedRequest
Adjourment
1135/4/2022 10:00 am22-11197 / CMGKevin C. Fayette, EsqConfirmation Hearing ScheduledContinued
6/1/2022 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $2,315.00  
As of 5/2/22 (DS): 1. Trustee obj to the following:
- Need 2 months of bank statements for Bank of America savings account ending #9272.
- Must resolve creditor objection.

2. Princeton Federal Credit Union (PETER LISKA) obj to cram of 2nd mortgage, creditor provides appraisal which certifies that property is valued at $500,000 dated 3/11/22, appraisal was physically done by Mr. Sullivan and is attached as Exhibit A to obj. Zillow estimates $564,000.

3. US Bank (ROBERTSON, ANSCHUTZ, SCHNEID, CRANE) obj to arrears owed $201,353.84 not paid and Loan mod. OTBS LOAN MOD BY 8/15/22, ARREARS NOT TO BE PAID AND REGULAR POST-PET PAYMENTS TO BE MADE BY DEBTOR TO CREDITOR

4. Capital One filed arrears claim $334.72, plan list as not affected. Trustee ok to pay?

Prop Plan $1,155 x 60 begin 3/1/22; Base and Loan mod on Dark Leaf Dr by 8/15/2022
Note: 2021 tax returns and auto insurance for 2004 Nissan provided. Pre-confirmation cert filed.
Matter ResolvedRequest
Adjourment
1145/4/2022 10:00 am22-11207 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

5/4/22:>.Per AR: adj to 6/15/22:NEEDS 341 BY 5/27 AND BE CURRENT TO TR & LENDER & DEBTOR TO SIGN UP FOR TFS


As of 4/21/22 (DS): 341 not held 3/24/22; still missing docs

1/3 payments. payment for 400 mailed4/28/22

Creditor( INVESTORS SAV) objection- Loan has matured

Matter ResolvedRequest
Adjourment
1155/4/2022 10:00 am22-11210 / CMGMark K. Smith, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 3 of 4 required payments   Arrears: $0  

NS

issues as of 4/25/2022 (JMA)

1) 341 not held, not rescheduled - failed to provide documents for 341 hearing
2) Current with Trustee plan payments

proposed plan $1383x60 base plan
paid in $2766
last claim 5
Matter ResolvedRequest
Adjourment
1165/4/2022 10:00 am22-11237 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 4 required payments   Arrears: $0  
Total Paid In: $7,210.00
As of 4/29/22(mk):Updated-email to atty- Ok to terms

>>If paying arrears in #1, THEN **CAN REC CONFIRM AT $4,296 PTD, THEN $1,457 x 58 BEGIN 5/1/22, 100% and preserve equity T/H of $77,859;Trustee authorized to pay Lakeview arrears claim #15-1 in the amount of $568.18.
must file pre conf cert. w/in 10 days.**


1. Fist mtg POC Arrear 568.18. Plan has unaffected- OK TO PAY?

2. Trustee Objection:
-excessive expense items, such as: Auto
insurance $260 (verifies $196 per insurance
-There is estimated $110,523 non-exempt equity in real property (pending 2nd mortgage balance statement/claims filed)
(3/30/22 (sf) - d(5) exemptions are ok)
- Need 2nd mortgage balance statement, prior to filing date, if no claim is filed, to determine non-exempt equity. (TR REC'D PROOF OF 2nd MTG)
- Must file Pre-confirmation certificate.


Plan:$1,432 x 60 begin 3/1/22; Dollar Base $73,833
2/2 payments
last claim:13-1 bar date:4/27/22

Matter ResolvedRequest
Adjourment
1175/4/2022 10:00 am22-11251 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 2 of 4 required payments   Arrears: $0  

As of 5/2/22 (SF)

341 not held - missing docs
payments: 2/3 Arrears: $450
Matter ResolvedRequest
Adjourment
1185/4/2022 10:00 am22-11258 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
5/18/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $1,444.00
adj to 5/18/ to be current

AS OF 5/3/2022 (at):

DEBTOR HAS MADE HALF OF ONE TRUSTEE PAYMENT. 2.5 PAYMENTS IN ARREARS.

Trustee's objection:
- The debtor has insufficient income Debtor has negative income.
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - Must provide copy of 2021 Tax Return by 5/31/22. (NOT RECEIVED - LANGUAGE ADDED)
- Need copy of 401k loan statement. (NOT 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 non-exempt equity of $5500 in 2014 Hyundai Santa Fe and $7653 in real property. (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). (LANGUAGE ADDED - PAY PER TRUSTEE'S ORDER OF DISTRIBUTION)
1. File pre-confirmation certification (NOT FILED)
2. Need copies of bank statements for Santander joint checking with ex -husband, Santander savings account, Credit Union of NJ checking and savings accounts per Schedule B (NOT RECEIVED)

Plan proposes: $575x 60 beginning 3/1/2022, $0 to guc's
Payments: 0/2, arrears $1,150
Matter ResolvedRequest
Adjourment
1195/4/2022 10:00 am22-11371 / CMGEdward Nathan VaismanConfirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

mk; add to conf terms that debtor to pay by TFS


issues as of 4/25/2022 (JMA)

1) 341 not held, rescheduled for 5/5/2022
2) No Trustee plan payments to date, arrears $3,200
3) Need to file Pre Confirmation Certification with Court

proposed plan $1,600x60 100% plan
paid in $0
arrears $3,200
last claim 1
Matter ResolvedRequest
Adjourment
1205/4/2022 10:00 am22-11414 / CMGWarren Brumel, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $600.00
As of 4/21/22(mk)


**REC CONFIRM AT 150 x 36, Begin 3/1/22; THEN $500 X 24 BEGIN 3/1/25; BASE ;LM ON BANGS AVENUE BY 9/15/22; TRUSTEE IS NOT AUTHORIZED TO PAY ARREARS PENDING LM**


TR Objection for old plan was resolved:

Plan: $150 X 36; $500 X 24 BEG 3/2022; LM BY 9/15/2022 (1606 BANGS AV); BASE
2/2 payments
last claim:2-2, bar date 5/4/22
Matter ResolvedRequest
Adjourment
1215/4/2022 10:00 am22-11426 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 4/25/2022 (at):

1. 341 has not been held or rescheduled.
2. Payments: 2/2
Matter ResolvedRequest
Adjourment
1225/4/2022 10:00 am22-11490 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
5/18/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $3,300.00
AS OF 4/28/22 (SF) Per AR Adj to after bar date

RECOMMEND $582 X 2 (BEGIN 3/1/22); $897 X 14 (BEGIN 5/1/22); $1100 X 20 (BEGIN 7/1/23) 100% W/ MIN $62,920 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE AND PERSONAL PROPERTY
- FILE PRE-CONFIRMATION CERTIFICATION WITHIN 10 DAYS
- PROVIDED UPDATED PROFIT AND LOSS STATEMENTS FOR BOTH BUSINESSES IN 6 MONTHS
- NEED AMENDED TO STATEMENT OF FINANCIAL AFFAIRS TO ADD BOTH BUSINESSES (THE SIGN SHOP AND ALMOST EVERYTHING GRAPHICS) WITHIN 30 DAYS


1. Trustee objection:
- The debtor has failed to file a feasible plan - that propose tier plan, car payment $367, ends in month 16.
- Proof of 2 month's income - from The Sign Shop Nov. 2021 to Feb. 2022 and from
"The Sign Shop" for Jan 2022-Feb. 2022. (RECEIVED)
- Business forms - for "Almost Everything Graphics". (RECEIVED BUT UNSIGNED AND PROFIT AND LOSS SHOWS ZERO INCOME AND ALSO NOT SIGNED)
- Updated auto insurance for 2000 Ford and 2014 Hyundai, insurance expired 1/30/22.
- Amendments to Schedules Statement of Financial Affairs to list The Sign Shop and
Almost Everything Graphics businesses.
- There is non-exempt equity on real property $27,077, 1971 Chevy Camaro $33,843
(insurance list value $35,000), 2000 Ford F350 for $2,000 (insurance has value $2,000), 2014
Hyundai estimated $2,843 (unless claim filed higher or less),
- Add to confirming order Debtor to provide 2 months updated proof of income from
business 6 months after confirmation.
- Must file Pre-confirmation certificate.

2. Disposable income verifies at $1121.56 and there will be an additional $367 available in month 17




Plan proposes $582 X 60 100%
Payments: 2/2

RESOLVED ISSUES:
Obj filed by Wells Fargo (Wassall) - RESOLVED
- Updated insurance for 2016 Forest, if not confirmed 5/4/22, insurance expires 4/16/22.(Surrendered)
- Must resolve IRS estimated claim (CLAIM AMENDED)
- A copy of the last filed tax return - for 2021 (RECEIVED)

Matter ResolvedRequest
Adjourment
1235/4/2022 10:00 am22-11523 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/1/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 4/27/2022 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2021 by 5/31/2022. (NOT RECEIVED - LANGUAGE ADDED)
- Need a - valuation for the two business vehicles. (NADA) (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as: Issues
with Schedule J/Profit and Loss:
- P&L lists rent of $300/month but business is run out of residence
- Utilities are on Schedule J ($350/month) and on P&L (averaging $275/month)
- Cable/internet and phone are on J ($300/month) and on P&L ($200/month)
- Transportation on Schedule J is ($275/month) and on P&L (353/month average)
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 $10,104 in non exempt equity in the bank accounts. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification (NOT FILED)

Plan proposes: $200 x 36 beginning 3/1/2022, not less than $2,891 to unsecured creditors
Payments: 2/2
Matter ResolvedRequest
Adjourment
1245/4/2022 10:00 am22-11537 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
5/18/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $287.00  
As of 4/27/22 (DS): 1. Trustee obj to the following:
- Need statements for PayPal and Acorns Investment account and Columbia Bank #4588 statements for 2 months prior to filing date, also need proof of unemployment income from spouse and certification regarding termination.
- Schedule I indicates spouse has been terminated from job and receiving severance pay from January through April. Then spouse will collect $731 unemployment benefits. Will require proof of unemployment income and supporting certification regarding termination.
- Income is insufficient, disposable income verifies lower $-194.54.
- Need homeowner insurance with personal liability coverage and updated auto insurance (insurance expired 2/26/22).
- Need 2021 tax returns, if not filed must provide no later than 5/31/22.
- Must resolve IRS estimated tax claim, 2021 tax return not filed.

2. Must file Pre-confirmation certificate.

Prop Plan $287 x 60 begin 3/1/22; Dollar Base $11,173.87
Matter ResolvedRequest
Adjourment
1255/4/2022 10:00 am22-11539 / CMGSCOTT M WILHELM, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $4,308.00
AS of 4/25/22(mk):att ok to terms

**CAN REC CONFIRM AT $2,000 ptd, THEN $1,154 X 58 BEGIN 5/1/22; BASE with min to gucs $60,000; Trustee standard order of distribution**

>>FYI- PLAN HAS DOLLAR BASE OF 60,000 AND SAYS IN PART 5 GUCS TO RECEIVE NOT LESS THAT 60,000. -SO THAT WILL INCREASE THE PLAN PAYMENT- IF YOU HAD MADE IT A STRAIGHT BASE 1000 X 60 =60,000 BUT YOU DID NOT

1. Trustee Objection:
- Proof of income verifies higher(6,926) than
scheduled(4,559) resulting in dispos income of $3954 p/m and will need a pot base of
$113,875 or 100% to gucs
- The debtor's boyfriend does not contribute to the household, therefore Form 22c should
not be a household of 2 which changes the
results.-tax refund failed to be added to dispos income( added in)
-needs TR STD order of distribution.


Plan:$1,000 x 60 begin 3/1/22; Base- not less than 60,000 to gucs
2/2 payments
last clain:3-1, bar date 5/9/22
Matter ResolvedRequest
Adjourment
1265/4/2022 10:00 am22-11542 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledContinued
6/1/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 4/29/22 (DS): Debtor attorney requested adjournment, 341 sched 5/26/22
Matter ResolvedRequest
Adjourment
1275/4/2022 10:00 am22-11561 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

issues as of 4/25/2022 (JMA)

1) 341 not held, rescheduled for 5/12/2022
2) Current with Trustee plan payments
3) Need to file Pre Confirmation Certification with Court

proposed plan $350x48 base plan
paid in $700
last claim 13
Matter ResolvedRequest
Adjourment
1285/4/2022 10:00 am22-11632 / CMGCarol L. Knowlton, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 4 of 3 required payments   Arrears: $0  
Total Paid In: $7,500.00
NEW PLAN SCH FOR 6/1
AS OF 4/26/22 (SF)

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

2. Ally Capital filed secured claim 8-1 with zero arrears, not addressed in plan

3. Police and FCU filed arrears claim 9-1 in the amount of $303.46, not addressed in plan

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

- Amendments to Schedules Schedule I fails to itemize payroll deductions and uses gross income only

- excess expense on Schedule J: Life insurance $730/month; IRS/State NJ payment $900/month - plan states they are paid outside of the plan, need to provide Trustee with agreement with IRS and State NJ; $600/medical - need supporting documentation.

-Form 122c Line #22 includes $214/additional health care - need proof; $44 additional
food expense.

-per provided statement for Fulton Bank acct. #1725, balance as of 1/31/22 is $5,105.14, not
$4,000 - Schedule B should be amended.

-Schedule B only shows 2 Fulton Bank accounts. Debtor provided statements for 3 different accounts - Schedule B should be amended.

-Need copy of the HUD-1 from sale of real estate in February 2021.

5. Must file pre-confirmation certification

Plan proposes $1500 x 36 Base
Payments: 2/2


Matter ResolvedRequest
Adjourment
1295/4/2022 10:00 am22-11651 / CMGAndrew Carroll, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 1 of 3 required payments   Arrears: $0  

NS

AS OF 4/25/2022 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/1, arrears $2,225
Matter ResolvedRequest
Adjourment
1305/4/2022 10:00 am22-11652 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $5,100.00
As of 5/2/22 (DS): Ok to confirm at $1,700 x 10 begin 4/1/22, $2,229 x 50 begin 2/1/23; 100% with a reserve $1,050.55 non-exempt

Prop Plan $1,700 x 10 begin 4/1/22; $2,100 x 50 begin 2/1/23; 100%
Matter ResolvedRequest
Adjourment
1315/4/2022 10:00 am22-11702 / CMGBrian W. Hofmeister, Esq.Confirmation Hearing ScheduledContinued
6/1/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $2,400.00
341 not held - rescheduled to 4/21/22
Payments: 1/1
Matter ResolvedRequest
Adjourment
1325/4/2022 10:00 am22-11730 / CMGRobert C. Nisenson, Esq.Confirmation Hearing on Modified PlanContinued
7/6/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

5/3/22: 341 now on for 6/9/22. 2/2 payments


AS OF 4/25/2022 (at):

1. 341 has not been held or rescheduled
2. Payments 1/1

MODIFIED PLAN FILED AN SCHEDULED FOR 5/4/22.
Matter ResolvedRequest
Adjourment
1335/4/2022 10:00 am22-11872 / CMGROBERT G SWAN, ESQConfirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

341 is on for 5/5/22- NEEDS REQUEST TO ADJ> THIS CONF HEARING

2/2 payments.

objection by US bank- debtor atty says ok to pay it
Matter ResolvedRequest
Adjourment
1345/4/2022 10:00 am22-11974 / CMGRoman Akopian Confirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 4/25/2022 (JMA)

1) 341 not held, rescheduled for 5/12/2022
2) Current with Trustee plan payments
3) Need to file Pre Confirmation Certification with Court
4) Wynnfield at Somerset Condo Association filed claim 2 with both secured and unsecured portion - need to advise Trustee of treatment of the unsecured portion of the claim

proposed plan $740.50x36 base plan
paid in $740.50
last claim 3
Matter ResolvedRequest
Adjourment
1355/4/2022 12:00 pm19-33649 / CMGRussell L. Low, Esq.Motion CompensationWithdrawnTotal Paid In: $3,832.00
Trustee obj<> FEE APPLICATION

incorrect cert used.
Matter ResolvedRequest
Adjourment
1365/4/2022 12:00 pm22-11353 / CMGEdward Hanratty, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment
1375/4/2022 2:00 pm19-00111 / CMGUNKNOWNHearing ScheduledContinued
5/10/2022 11:30 am

HEARING ON TRUSTEE'S REPORT ON FINDINGS
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes