Judge Michael B. Kaplan
Hearing Date: 5/5/2020
Hearing Count: 214
Last Updated: 07-08-2020 07:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
15/5/2020 9:00 am12-38448 / MBKWilliam H. Oliver, Jr., Esq.AP Motion Summary JudgmentContinued
5/19/2020 9:00 am

AP 19-2191 Moss vs. Neptune Twp
Matter ResolvedRequest
Adjourment
25/5/2020 9:00 am14-25942 / MBKDOROTHY L WRIGHT, ESQMotion to Cancel and DischargeGranted
MTN TO AVOID LIENS - JORGE MARROQUIN, J-117987-04/L-001073-03 AND PEDRO GOMEZ, J-117987-04, L000103-03
Matter ResolvedRequest
Adjourment
35/5/2020 9:00 am15-27613 / MBKJAMES J CERBONE, ESQMotion Relief from Co-Debtor StayContinued
5/19/2020 9:00 am

Debtor obj<>M&T BANK (SCHILLER, LEFKOWITZ)
Matter ResolvedRequest
Adjourment
45/5/2020 9:00 am15-27613 / MBKJAMES J CERBONE, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
4/30 AMT: Per atty, IRS per plan removed/now pif, will assign to audit <<>>>

AR ANITA ATTY OK WITH STRIKE IRS AND RELEASE FUNDS TO OTHER CREDITORS NEED TR ORDER
ATTY RESPONSE DOES NOT MAKE SENSE
Debtor obj, filing MP<>FAILED TO ADDRESS IRS ' PER PLAN' CLM BY 4/1/17
Matter ResolvedRequest
Adjourment
55/5/2020 9:00 am16-12359 / MBKFrances A. Tomes, Esq.AP Motion to ReopenGrantedTotal Paid In: $12,283.00
AP 18-1591 Debtor mtn to reopen AP/Libutti vs. Ocwen
Matter ResolvedRequest
Adjourment
65/5/2020 9:00 am16-16394 / MBKJAMES J CERBONE, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $16,797.00
4/22 AMT: $15,948 PTD (48) $429 X 12 BEG 5/1/20 (atty OK)<<<>>>

ajdournment request not considered because filed within 3 days of hearing

Debtor obj, will bring current<>ARREARS
Matter ResolvedRequest
Adjourment
75/5/2020 9:00 am16-21981 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
6/2/2020 9:00 am
Total Paid In: $16,682.00
Debtor is deceased.
Debtor son obj<>NATIONSTAR MTG (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
85/5/2020 9:00 am16-22315 / MBKTHOMAS J ORR ESQMotion Motion (Generic) - Only use if no other event is applicableGranted
MTN ALLOWING GEICO TO RELEASE LOSS PROCEEDS OF $10,321.72 TO WELLS FARGO DEALER AND REFUND DEBTOR $546.10
Matter ResolvedRequest
Adjourment
95/5/2020 9:00 am16-24806 / MBKAmy L Knapp Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $22,593.00
Debtor obj<>SN SERVICING/US BANK NAT'L (FRIEDMAN)
Matter ResolvedRequest
Adjourment
105/5/2020 9:00 am17-23122 / MBKJOHN ZIMNIS, ESQCreditor Certification of DefaultContinued
6/2/2020 9:00 am
Total Paid In: $57,633.00
NATIONSTAR (Mccalla Raymer)

3/25/20 (sf) email just received from the court that this matter is removed from 2:00 calendar. Atty for creditor (Phillip Raymond) requests an adjournment. (not sure why it's not being done through court solutions. He upload an adjournment request.

>> 3/25/20:FYI- email this am form P.Raymond,esq.(creditor atty) stating parties consented to 30 day adj.to allow debtor to provide proof of payment.
Matter ResolvedRequest
Adjourment
115/5/2020 9:00 am17-28695 / MBKROBERT MANCHEL ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $11,526.00
AMERICAN HONDA (MORTON)
Matter ResolvedRequest
Adjourment
125/5/2020 9:00 am17-29624 / MBKBRUCE C TRUESDALE ESQTrustee Certification of DefaultContinued
6/16/2020 9:00 am
Total Paid In: $5,100.00
***4/30/20 email from atty showing $750 trust acct check mailed out***
Debtor obj, will pay
Matter ResolvedRequest
Adjourment
135/5/2020 9:00 am17-30368 / MBKJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $6,400.00
AMT: MP 5/5***RECOMMEND DISMISSAL****<<<>>>

***ADJOURNMENT REQUEST DENIED - CASE IS 30 MONTHS OLD WITH NO LOAN MOD***
Debtor obj<>FAILED TO LM BY 8/31/19
Matter ResolvedRequest
Adjourment
145/5/2020 9:00 am17-30637 / MBKEric ClaymanMotion Relief from Stay (Fee)Continued
5/19/2020 9:00 am
Total Paid In: $21,665.00
Debtor obj<>CARRINGTON MTG (SHAPIRO)
Matter ResolvedRequest
Adjourment
155/5/2020 9:00 am17-30791 / MBKWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultContinued
5/19/2020 9:00 am
Total Paid In: $19,182.00
PNC (Martone) ( tr arrears )
Matter ResolvedRequest
Adjourment
165/5/2020 9:00 am17-34456 / MBKWilliam H. Oliver, Jr., Esq.Motion Reinstate StayMootTotal Paid In: $24,191.00
(amt: MFR was granted on 3/17, but amended minutes rescheduled hearing to 4/14. Mtn to reinstate stay filed 3/19 was premature and moot. )

MTN TO REINSTATE STAY/WILMINGTON SAVINGS (Phelan)
Matter ResolvedRequest
Adjourment
175/5/2020 9:00 am17-34456 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $24,191.00
(AMT: LM WAS DUE 7/4/18; LOSS MIT EXPIRED 1/4/20 - WHAT IS STATUS OF LM?)<<<>>>
Debtor obj<>WILMINGTON SAVINGS (PHELAN)
Matter ResolvedRequest
Adjourment
185/5/2020 9:00 am17-35282 / MBKJAMES J CERBONE, ESQMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $34,304.00
Debtor obj<>SPECIALIZED LOAN SERVICING (KML)
Matter ResolvedRequest
Adjourment
195/5/2020 9:00 am18-10247 / MBKJENEE K. CICCARELLIMotion Sell Free and Clear of Liens under 363(f) (FEE)Continued
6/2/2020 9:00 am

14 BECKET RD
Matter ResolvedRequest
Adjourment
205/5/2020 9:00 am18-10247 / MBKJENEE K. CICCARELLICreditor Certification of DefaultContinued
6/2/2020 9:00 am

CHAMPTION MTG (Robertson)
Matter ResolvedRequest
Adjourment
215/5/2020 9:00 am18-10850 / MBKJOAN S. WARREN, ESQ.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $2,000.00
***4/28/20 email - atty has no defense to motion***


AMT: MP 5/5 ***RECOMMEND DISMISSAL<<<>>>
Debtor obj, needs time to file new LM<>FAILED TO LM BY 10/1/19
Matter ResolvedRequest
Adjourment
225/5/2020 9:00 am18-10944 / MBKJOHN ZIMNIS, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $13,400.00
(amt: atty requested mtn)
SV/MADISON #3-1
Matter ResolvedRequest
Adjourment
245/5/2020 9:00 am18-12647 / MBKJOHN ZIMNIS, ESQMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $4,050.00
Debtor obj<>VW CREDIT (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
255/5/2020 9:00 am18-20299 / MBKKevin Fayette, EsqMotion Relief from Stay (Fee)Continued
5/19/2020 9:00 am
Total Paid In: $26,810.00
SOCIETY HILL CONDO (MCGOVERN LEGAL)
Matter ResolvedRequest
Adjourment
265/5/2020 9:00 am18-22940 / MBKOTTO J KOSTBAR, ESQMotion Relief from Stay (Fee)Continued
5/19/2020 9:00 am
Total Paid In: $8,431.00
Debtor obj<>WHISPERING WOODS CONDO (GRIFFIN)
Matter ResolvedRequest
Adjourment
275/5/2020 9:00 am18-23027 / MBKBRUCE C TRUESDALE ESQCreditor Certification of DefaultContinued
6/24/2020 9:00 am
Total Paid In: $19,140.00
BAYVIEW ( KML)
Matter ResolvedRequest
Adjourment
285/5/2020 9:00 am18-23067 / MBKBrian Gregory HannonMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $103,205.00
4/29 AMT: PROPOSED RECAP - $102,630 PTD (22 MO); $200 X 8 BEG 5/1/20; $47,500 X 1 BEG 1/1/21; $200 X 11 BEG 2/1/21; $43,500 X 1 BEG 1/1/22; $200 X 11 BEG 2/1/22; $43,500 X 1 BEG 1/1/23; $200 X 5 BEG 2/1/23 (1/1/21 lump sum increased per proposed supp fee order)<<<>>.
4/14 AMT: ADJ to allow time for funds to post (atty stated debtors were making pymt last thurs (mail)<<<>>>

4/9 AMT: Per atty, Debtor to cure arrears prior to hearing<<<>>

4/9 AMT: LUMP SUM POSTED BUT DEBTOR IS IN ARREARS/ALSO CREDITOR CERT OF DEFAULT PENDING<<<>>>

4/2 AMT: $43,500 received in office; forwarding to lock box/pending posting<<<>>>


AR EMAIL SENT TO LEBRON CHASE IS RETURNING $
IF DEBTOR PAYS BY 2-28 OK TO ADJ PENDING RECEIPT OF FUNDS BY CHASE
Debtor obj, $43,500 pd to Chase in error/Chase to turn over funds to Trustee & debtor to pay balance of $12,655 by 2/28<>FAILED TO SUBMIT $56,155 LUMP SUM BY 1/1/2020
Matter ResolvedRequest
Adjourment
295/5/2020 9:00 am18-23382 / MBKWALTER D NEALY, ESQMotion Relief from Co-Debtor StayGrantedTotal Paid In: $7,260.00
SPECIALIZED LOAN SERVICING (PLUESE)
Matter ResolvedRequest
Adjourment
305/5/2020 9:00 am18-28614 / MBKJOHN F. BRACAGLIA, JR, ESQ.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
5/19/2020 9:00 am
Total Paid In: $11,000.00
ADJ BY MBK TO 5/19/20
nfa need for conf
4/6 AMT: Is post pet in proposed order being paid inside or outside plan?<<>>
Wilmington obj ( Stern & L)<>MTN TO REDUCE WILMINGTON SAVINGS #2-1 TO $208,084.51
Matter ResolvedRequest
Adjourment
315/5/2020 9:00 am18-30013 / MBKDaniel Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $7,640.00
ADJ BY TRUSTEE FOR MP
AMT: MP 5/5****HONOR ROLL<<<>>>

Debtor obj, filing MP<>FAILED TO LM BY 4/1/19 OR SELL COOLIDGE AVE PPTY BY 10/2/19
Matter ResolvedRequest
Adjourment
325/5/2020 9:00 am18-31343 / MBKJAMES J CERBONE, ESQMotion Relief from Co-Debtor StayGrantedTotal Paid In: $2,986.00
HYUNDAI LEASE (MORTON)
Matter ResolvedRequest
Adjourment
335/5/2020 9:00 am18-33879 / MBKAmy L Knapp Motion Dismiss CaseGrantedTotal Paid In: $9,917.00
DEBTOR MTN TO DISMISS
Matter ResolvedRequest
Adjourment
345/5/2020 9:00 am19-10923 / MBKDONALD C GOINS, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/13/2020 9:00 am
Total Paid In: $4,154.00
AMT: MP 5/13<<<>>>

AR ATTY TO PROVIDE UPDATE
AMT: MP 4/8*** PLAN WITHDRAWN***<<>>>

Debtor obj, filing MP (Conf 3/3/20 - WITHDRAWN)<>FAILED TO LM BY 7/30/19
Matter ResolvedRequest
Adjourment
355/5/2020 9:00 am19-12211 / MBKWARREN LEVYMotion Reinstate StayContinued
6/10/2020 9:00 am
Total Paid In: $19,656.00
MTN TO REINSTATE STAY/BAYVIEW LOAN SERVICING
Matter ResolvedRequest
Adjourment
365/5/2020 9:00 am19-13078 / MBKKevin Fayette, EsqMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $14,280.00
CONSUMER PORTFOLIO SERVICES (BERNSTEIN-BURKLEY)
Matter ResolvedRequest
Adjourment
375/5/2020 9:00 am19-14483 / MBKKevin Fayette, EsqCreditor Certification of DefaultOrder to be SubmittedTotal Paid In: $11,250.00
NJ HOUSING AND MTG FINANCE (Pehlan) ( TR ARREARS )
Matter ResolvedRequest
Adjourment
385/5/2020 9:00 am19-14984 / MBKSTEPHANIE RITIGSTEINTrustee Certification of DefaultContinued
5/27/2020 9:00 am
Total Paid In: $16,242.00
PER MBK - CERT REGARDING BONUSES BY 5/22/20, $1,367 TO BE SUBMITTED IMMEDIATELY - ADJ TO 5/27/20 TO BECOME CURRENT

AR PER ATTY ADJ AND BE CURRENT ON ADJ DATE
AR NEED PROOF OF 401K LOAN APPROVAL
-adj denied no money since November EDC
AR NEED UPDATE FROM ATTY
Trustee obj, can pay before 3/30
Matter ResolvedRequest
Adjourment
395/5/2020 9:00 am19-19101 / MBKJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/10/2020 9:00 am
Total Paid In: $3,005.00
filed MP on 5/1-can adjourn to new conf date

Debtor obj<>100% PLAN NOT FEASIBLE DUE TO CAP ONE AUTO AMD DEFICIENCY CLM #1-2; FAILED TO LM BY 11/30/19
Matter ResolvedRequest
Adjourment
405/5/2020 9:00 am19-19651 / MBKJohn J. Hopkins IIIMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToOrder to be Submitted
(AMT: Creditor is listed in mtn but not specified in order; Am Credit has SV)<<<>>>

MTN TO RECLASSIFY (AMERICAN CRED ACCEPTANCE) CLM #1-1 TO GUC AND BE AMENDED FOR DEFICIENCY AMOUNT
Matter ResolvedRequest
Adjourment
415/5/2020 9:00 am19-20047 / MBKJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Converted to 7 / 11
FAILED TO LM BY 11/30/19; ARREARS
Matter ResolvedRequest
Adjourment
425/5/2020 9:00 am19-21174 / MBKDaniel Straffi, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToOrder to be SubmittedTotal Paid In: $19,357.00
MTN TO REDUCE CLM #16-1/NJ TURNPIKE AUTHORITY TO $1,828.45
Matter ResolvedRequest
Adjourment
435/5/2020 9:00 am19-21688 / MBKGeorge E Veitengruber IIIMotion Relief from Stay (Fee)Continued
6/24/2020 9:00 am
Total Paid In: $6,224.00
Debtor obj<>SHELLPOINT MTG (MCCALLA RAYMER)
Matter ResolvedRequest
Adjourment
445/5/2020 9:00 am19-23759 / MBKCANDYCE I SMITH-SKLAR, ESQMotion File Claim After Claims Bar DateGrantedTotal Paid In: $2,072.00
(AMT: Does not affect feasibility/guc clm will share pro rata)<<<>>
MTN TO ALLOW TIFFANY WOODS HOA LATE FILED CLAIM #9-1 TO BE PD IN PLAN
Matter ResolvedRequest
Adjourment
455/5/2020 9:00 am19-24097 / MBKEdward Hanratty, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGrantedTotal Paid In: $3,757.00
MTN LOSS MIT/FLAGSTAR BANK
Matter ResolvedRequest
Adjourment
465/5/2020 9:00 am19-24189 / MBKEUGENE ROTH, ESQMotion Relief from Co-Debtor StayContinued
6/2/2020 9:00 am
Total Paid In: $3,327.00
Debtor obj<>EXETER FINANCE (MESTER)
Matter ResolvedRequest
Adjourment
475/5/2020 9:00 am19-25446 / MBKYAKOV RUDIKHMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/19/2020 9:00 am
Total Paid In: $2,060.00
***received upload - copy of $1,700 mailed to Tennessee on 4/30/20 - ADJ to 5/19/20 for payment to post***

ADJ request denied - no payment since October 2019.


Debtor obj, need time to become current<>ARREARS
Matter ResolvedRequest
Adjourment
485/5/2020 9:00 am19-25797 / MBKPHILIP R KAUFMAN, ESQMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToOrder Previously SubmittedTotal Paid In: $4,378.00
***consent order previously submitted 4/17/20 - attached to Doc #35***

MTN TO REDUCE OAKS AT NORTH BRUNSWICK CONDO CLM #2-1
Matter ResolvedRequest
Adjourment
495/5/2020 9:00 am19-26985 / MBKAndrew Thomas Archer Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $4,298.00
Debtor obj<>SELECT PORTFOLIO (FEIN)
Matter ResolvedRequest
Adjourment
505/5/2020 9:00 am19-27352 / MBKROBERT C NISENSON ESQMotion Relief from Stay (Fee)Continued
6/2/2020 9:00 am
Total Paid In: $2,700.00
AR DO NOT ADJ - CONF IS PEREMPTORY
Debtor obj<>SHELLPOINT MTG (MCCALLA RAYMER)
Matter ResolvedRequest
Adjourment
515/5/2020 9:00 am19-27982 / MBKYAKOV RUDIKHMotion Dismiss CaseContinued
5/13/2020 9:00 am

Debtor obj<>CITADEL FUNDING MTN TO DISMISS OR IN ALTERNATIVE FOR STAY RELIEF (TARTER KRINSKY)
Matter ResolvedRequest
Adjourment
525/5/2020 9:00 am19-28529 / MBKEdward Hanratty, Esq.Motion Motion (Generic) - Only use if no other event is applicableOrder to be Submitted
***2ND CALL FOR CREDITOR TO REACH OUT MR HANRATTY***
Adj to 4/14/20
SN Servicing obj (Friedman Vartolo)<>MTN RE TERMS OF LOAN MOD TRIAL PERIOD
Matter ResolvedRequest
Adjourment
535/5/2020 9:00 am19-29447 / MBKROBERT MANCHEL ESQMotion Relief from Co-Debtor StayGrantedTotal Paid In: $4,374.00
US BANK NA'L (PHELAN)
Matter ResolvedRequest
Adjourment
545/5/2020 9:00 am19-30893 / MBKJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Continued
6/10/2020 9:00 am

Debtor obj<>SHELLPOINT MTG (MCCALLA)
Matter ResolvedRequest
Adjourment
555/5/2020 9:00 am19-31875 / MBKSTEPHANIE RITIGSTEINMotion Relief from Stay (Fee)Continued
5/19/2020 9:00 am

Debtor obj<>WELLS FARGO BANK (RAS)
Matter ResolvedRequest
Adjourment
565/5/2020 9:00 am19-32708 / MBKAndrew Thomas Archer Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $3,021.00
MTN TO SUSPEND TRUSTEE PAYMENT
Matter ResolvedRequest
Adjourment
575/5/2020 9:00 am19-33297 / MBKDAVID G BESLOW, ESQObjection to Debtor's Claim of ExemptionsOrder to be Submitted
TRUSTEE OBJ TO SCH C, DOC #32/PI ASSET FOR 100% OF FMV
*****-Per Beslow he is OK with our numbers of $7750 for wildcard and $25150 for PI--he will submit amended order
Matter ResolvedRequest
Adjourment
585/5/2020 9:00 am19-33318 / MBKJAMES J CERBONE, ESQMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)GrantedTotal Paid In: $2,390.00
Conf set for 6/16/20
Matter ResolvedRequest
Adjourment
595/5/2020 9:00 am20-10098 / MBKJohn M. Kenney Motion ReconsiderGranted
***Conf set for 7/8/20***
MTN TO RECONSIDER DISMISSAL
Matter ResolvedRequest
Adjourment
615/5/2020 9:00 am20-10168 / MBKAndrew Thomas Archer Motion Motion (Generic) - Only use if no other event is applicableMootTotal Paid In: $6,337.00
***MOOT - case was confirmed 4/28/20 with payments starting in July 2020***

MTN TO SUSPEND TRUSTEE PAYMENTS - Trustee limited obj to proposed order
Matter ResolvedRequest
Adjourment
625/5/2020 9:00 am20-10395 / MBKEdward Hanratty, Esq.Trustee Objection to ExemptionsMoot
***Amended Sch C (Doc #37) filed 4/27/20 resolves objection***

***Amended Sch C (Doc #35) filed 4/24/20 - minor error - JP Morgan retirement should be co-debtor's exemption based upon the two separate Sch Cs filed***


TRUSTEE OBJ TO DEBTORS EXEMPTION 522 (d)(12) ON JP MORGAN; 522 (d)(5) exceeded available limit
Matter ResolvedRequest
Adjourment
635/5/2020 9:00 am20-11889 / MBKJohn P. Dell'Italia Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
***Conf set for 7/8/20***
Matter ResolvedRequest
Adjourment
645/5/2020 9:00 am20-11909 / MBKPRO SEOrder Show CauseMoot - Dismissed
FILING FEES
Matter ResolvedRequest
Adjourment
655/5/2020 9:00 am20-12513 / MBKAllen I. Gorski, Esq.Motion Extend TimeOrder to be SubmittedTotal Paid In: $18,000.00
***GRANTED BY MBK***
MTN TO EXTEND STAY - contested by Cross Motion
Matter ResolvedRequest
Adjourment
665/5/2020 9:00 am20-12513 / MBKAllen I. Gorski, Esq.Motion Cross MotionOrder to be SubmittedTotal Paid In: $18,000.00
***DENIED BY MBK***
CLEARVIEW EQUITIES CROSS MTN FOR STAY RELIEF ( Rubin) - opposition filed
Matter ResolvedRequest
Adjourment
05/5/2020 9:00 am20-12812 / MBKMARCIA Y. PHILLIPSMotion Relief from Stay (Fee)Converted to 7 / 11
KRIEGMAN & SMITH/LANDLORD (ANTHONY LANDOLFI)
Matter ResolvedRequest
Adjourment
675/5/2020 9:00 am20-12879 / MBKPRO SEMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
5/13/2020 9:00 am

***NA so motion was adjourned to 5/13/20***
OST
reason for dismissal
ns
AS OF 4/16/20 (SF)


1. 341 not held - scheduled for 4/30/20 - No documents provided
2. Payments: 0/2 Arrears: $200
Matter ResolvedRequest
Adjourment
685/5/2020 9:00 am20-12939 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
6/2/2020 9:00 am

Debtor obj<>BANK OF NY MELLON (PLUESE)
Matter ResolvedRequest
Adjourment
695/5/2020 9:00 am20-12968 / MBKKirsten B. Ennis Motion Reinstate StayGranted
MTN FOR CONTINUANCE STAY/
Matter ResolvedRequest
Adjourment
705/5/2020 9:00 am20-12981 / MBKDAVID G BESLOW, ESQOrder Show CauseMoot - Dismissed
MISSING DOCS
Matter ResolvedRequest
Adjourment
715/5/2020 9:00 am20-13102 / MBKYAKOV RUDIKHMotion Relief from Stay (Fee)Granted
KRIEGMAN & SMITH/LANDLORD (ANTHONY LANDOLFI)
Matter ResolvedRequest
Adjourment
725/5/2020 9:00 am20-13874 / MBKKurt E. Reinheimer, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $3,124.00
MTN TO CONDUCT 341(a) VIA WRITTEN INTERROGATORIES
Matter ResolvedRequest
Adjourment
735/5/2020 9:00 am20-14280 / MBKROBERT C NISENSON ESQOrder Shorten TimeContinued
5/19/2020 9:00 am

AR RESPONDED TO RUBEN EMAIL
interim order putting stay in effect

MULTIPLE FILINGS , CONTESTED
Ocean First obj (Ruben)<>MTN TO CONTINUE STAY/OST
Matter ResolvedRequest
Adjourment
745/5/2020 9:00 am20-15368 / MBKANDREW B FINBERG ESQMotion Impose Automatic StayGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
755/5/2020 9:00 am20-15477 / MBKS DANIEL HUTCHISON ESQMotion Motion (Generic) - Only use if no other event is applicableOrder to be SubmittedTotal Paid In: $1,567.00
US Bank obj (Frenkel)<>MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
05/5/2020 9:15 am20-11889 / MBKJohn P. Dell'Italia Motion Motion (Generic) - Only use if no other event is applicableMoot
AMT: Court docket note: "Incorrect event code used - NO HEARING will be conduced"<<<>>>


MTN TO VACATE DISMISSAL AND REINSTATE CASE
Matter ResolvedRequest
Adjourment
765/5/2020 10:00 am17-26321 / MBKBRIAN W HOFMEISTERConfirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 30 of 35 required payments   Arrears: $6,296.00  Total Paid In: $79,018.00
AR ADJ FOR MOTION TO EXPUNGE CLAIM AND VACATE ORDER
 non-debtor spouse borrowed money from her family to pay off mtg in full outside the pla - per AR, need to address POC (3-1) and consent order authorizing Trustee to pay $80,000 portion of the claim.

ISSUES AS OF 4/27/2020 (DM):

1) Per Confirming Order - JP Morgan to obtain stay relief on 1/31/20 on Pennlyle Rd property if debtor does not have a closing on the Village Rd East property by 1/31/20 - MP provides that JP Morgan has stay relief and has been paid in full outside the plan (NEED EXPLANATION SINCE MOTION TO SELL WAS WITHDRAWN ON 3/25/20).


Confirmed Case: $61,698.22 Ptd, $2,624 x 34 start 11/1/19, 100% Plan
Sale by 1/31/20
Prop. MP: Ptd, $1,050 x 29 start 4/1/20, 100 Plan
Sale by 1/31/20
PTD = $75,868.22
Last Claim (3-1) dated 12/19/17
Matter ResolvedRequest
Adjourment
775/5/2020 10:00 am17-30241 / MBKKirsten B. Ennis Confirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 26 of 27 required payments   Arrears: $261.00  Total Paid In: $6,753.00
As of 5/1/20(mk): will file MP and clean it up & extend plan and put in an amt .for suppl atty fess to be paid upon fee appl & order.

1. Trustee Objection:
-MP lowers payment from $261 to 250. no reason
-NEEDS MP FILED TO CORRECTLY LIST CREDITORS AND TREATMENT.
- Twin Rivers HomeOwners Assoc . Plan only lists BSI and their claim 16-1)was transfered & McCormick 106(formerly Sabadell/beria Bank) to be listed under Part 4 e Surrender. Sabell is part of surrender so cannot also be unaffected.
-can strike Sabell & Shellpoint from Part 4f.
-Shellpoint is Wilmington and they are to be paid arrears on Hale st prop,$3,030.56 200 per Order. That is not in MP
-Wilmington also to be pd on Howard st prop. 398.31 arreras and also 681 per order.

MP proposes 250 x 36, Base; Plan was confirmed 8/2018 for total 39 mos . It has run has run 25 mos and 14 Remain.

MP to surrender Bennington Court property - property was sold at sheriff's sale. Per atty, Sch J is not amended because no expense was taken on that property.
Matter ResolvedRequest
Adjourment
785/5/2020 10:00 am17-30368 / MBKJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 31 of 33 required payments   Arrears: $208.00  Total Paid In: $6,400.00
Per AR ok to confirm at***** $6192 paid then $208 x 5 beg 6/1/20 pro rata---LM and mortgages outside of the plan, trustee to not pay mortgages of US Bank and Santander through plan, lenders can free to seek stay relief-fee app to be filed within 10 days by debtor's counsel

4/24 workup for the 5/5 calendar
* per Kaplan conf or dism conf loan mo os plan
4/13 workup for the 4/22 calendar EDC
REC DENY AND DISM ON TR MOTION
-CNP on for 4/22
-trustee objection-original plan called for LM by 2018 then MP extended to 2019 now MP wants further extension-case 30 months old. Debtor claims issue is lack of cooperation from former spouse to get docs.

-MP proposes 200 x 7 beg 11/1/17 then 208 x 29 beg 6/1/18 loan mod by 10/31/20
Matter ResolvedRequest
Adjourment
795/5/2020 10:00 am18-10850 / MBKJOAN S. WARREN, ESQ.Confirmation Hearing ScheduledMoot - DismissedDebtor has made 20 of 27 required payments   Arrears: $0  
Total Paid In: $2,000.00
4/28/20 - Per Atty ok to dismiss.

4/21 workup for the 5/5/20 calendar

Trustee objection:
2 payments arrears
-LM was already extended once by modified plan from 8/2018 to 10/2019 now wants to extend to 11/30/20

<>MP is paid to date then 100 x 36 beg 3/1/20 LM by 11/30/20-100%
Matter ResolvedRequest
Adjourment
805/5/2020 10:00 am18-28614 / MBKJOHN F. BRACAGLIA, JR, ESQ.Confirmation Hearing on Modified PlanContinued
5/19/2020 10:00 am
Debtor has made 22 of 22 required payments   Arrears: $0  
Total Paid In: $11,000.00
>>>ADJ BY MBK TO 5/19/20 - DEBTOR'S COUNSEL AND CREDITOR'S COUNSEL TO GET APPROVAL ON TRUSTEE PROPOSED CONFIRMATION TERMS PENDING RESOLUTION OF THE DEBTOR'S MOTION TO MODIFY THE MTG CLAIM<<<

***TRUSTEE IS RECOMMENDING $9,500 PTD, THEN $224,971.63 BY 6/1/20, THEN $2,075 x 27 STARTING 7/1/2020, 100% PLAN, TRUSTEE TO RESERVE $25,000 PENDING THE RESOLUTION OF WILMINGTON SAVINGS OBJECTION TO MOTION MODIFY ITS CLAIM - DEBTOR AND CREDITORS RIGHTS ARE PRESERVED WITH RESPECT TO THE CLAIM PENDING FURTHER ORDER OF COURT, STRIKE PLAN TREATMENT TO THE IRS AND TRUSTEE IS AUTHORIZED TO PAY STATE OF NJ POC (1-1)***


ISSUES AS OF 4/27/2020 (DM):

 3/13/20 - John Bracaglia & Stern Lav still working on resolving objection - ADJ to 4/22/20

 2/26/20 - AR, ADJ TO 3/11/20 - NEED RESOLUTION WITH BANK (Selene Finance - Stern Lav) AND MUST BE PAID THROUGH PLAN - EMAIL UPDATE BY 3/11/20.

 2/19/20 - Response Doc filed - property sold and atty is holding $224,971.63 in trust account.

***The time provided for in the MP to sell the property owned by the Debtor's mother to fund the arrears claim of Wilmington Savings has expired - what is the status?***

1) MP proposes $7,100 priority treatment to the IRS - no POC filed (STRIKE??)

2) MP proposes $4,400 priority treatment to State of NJ - POC filed for $17,620.35 (PAY PER POC??)

3) Trustee OBJ:
- Plan must remain at 100% due to non-exempt equity in real estate.


Confirmed Case: $4,500 Ptd, $500 x 51 start 7/1/19, 100% Plan
Sale by 12/31/19
Prop. MP: $500 x 60 start 10/1/18, Base Plan
Sale by 2/13/20
PTD = $9,000
Last Claim (2-1) dated 11/27/18
Matter ResolvedRequest
Adjourment
815/5/2020 10:00 am18-30013 / MBKDaniel Straffi, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 18 of 21 required payments   Arrears: $20.00  Total Paid In: $7,640.00
4/21 workup for the 5/5 calendar EDC

2 payments arrears needs to be capitalized
CONFIRM AT: $6400 paid then $420 x 42 beg. 5/1/20-100% or minimum of $54,495 (due to equity in home)-trustee to rec non exempt proceeds from the sale of model trains and 344 Coolidge by 10/1/20-trustee to rec non-exempt proceeds from lawsuit(low base)
Matter ResolvedRequest
Adjourment
825/5/2020 10:00 am19-11314 / MBKJOSEPH I WINDMAN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 16 of 18 required payments   Arrears: $3,737.00  Total Paid In: $58,903.00
4/20 workup for the 5/5 calendar EDC

MP CONFIRM AT 48,691.56 paid then 3737 x 46 beg. 4/1/20-pay tax refunds to trustee during pendency of the case by 5/31 every year.-Student loans outiside and min of $4095 to gucs due to equity-surrender Americredit
Matter ResolvedRequest
Adjourment
835/5/2020 10:00 am19-15327 / MBKRONALDO C GEORGEConfirmation Hearing ScheduledConfirmedDebtor has made 13 of 16 required payments   Arrears: $2,299.00  Total Paid In: $30,299.00
AR RESOLVE OR HOLD

ISSUES AS OF 4/28/2020 (DM): Updated 5/3/20 based upon Consent Order with IRS submitted to Chambers that adds interest on the secured portion of filed POC.

***IRS amended its claim and removed the estimated taxes. TO RESOLVE TRUSTEE OBJECTIONS, RECOMMEND CONFIRMING AT $26,000 PTD, THEN $2,000 x 1 STARTING 5/1/20, THEN $2,299 x 46 STARTING 6/1/20, PLUS $10,000 PAYMENT MADE ON 10/15/20, 10/15/21 AND 10/15/22, 100% PLAN; ADD TO CONFIRMING ORDER: TRUSTEE IS AUTHORIZED TO PAY IRS POC (1-7)***

 3/31/20 - AR, IRS # HAVE CHANGED CO WI 14 DAYS ADJ PEREMPTORY

 3/3/20 Interim Scheduling Order
- Resolution of IRS estimated claim by 3/10/20.
- Resolution of IRS objection by 3/10/20.
- Resolution of Trustee disposable income objection or response to objection by 3/10/20

 Adj request to 3/17/20 - Peremptory.

1) IRS filed $27,047.62 amended priority claim that includes estimated taxes not treated in plan (AMENDED TO $5,998.73 - OKAY TO ADD??)

2) IRS (Eamonn O'Hagan) OBJs - secured and priority claims not treated in plan (SEE ABOVE).

3) Plan provides $111,079.62 cure treatment to NVE Bank - amended POC filed for $129,965.06 (OKAY TO PAY HIGHER AMOUNT??)

4) Plan provides secured unaffected treatment to Nancy Wiggs equitable distribution/consent order - no POC has been filed (RECEIVED 8/10/18 MBK ORDER IN CHAPTER 11 CASE).

5) Trustee OBJ: (ONLY $1,753 UNSECURED CLAIMS FILED - PLAN SHOULD BE 100%)
- Need DSO info (UNRESOLVED).
- NVE Bank filed a secured claim - debtor's plan and schedules incorrectly list the creditor as MVE Bank.
- Form 122c has $10,026 disposable income which requires $601,596 minimum dividend.
- P&L statement provided reflects $55,072 average monthly income - only $7,034 was listed.

- Inconsistent docs: business forms provide that debtor receives $12,500 salary per month for COO duties, however accountant advises that debtor took $28,193 for the 1st quarter or $9,397 per month.

- Accountant advises debtor's distribution is expected
Matter ResolvedRequest
Adjourment
845/5/2020 10:00 am19-22726 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
5/19/2020 10:00 am
Debtor has made 5 of 13 required payments   Arrears: $554.00  Total Paid In: $1,543.00
adj to 5/19/20 for work-up
issues as of 4/23/2020

1) Debtor has failed to make the April 1 payment under the proposed modified plan, arrears $223
LAST TR PYMT 12 27 -19

proposed modified plan $223x24 begin 4/1/2020 base plan
paid in $1320
arrears under terms of modified plan $223
26 months to go
Matter ResolvedRequest
Adjourment
855/5/2020 10:00 am19-24162 / MBKSTEVEN A RAGLAND, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 7 of 12 required payments   Arrears: $2,200.00  Total Paid In: $14,528.00
*TRUSTEE COMPROMISE AND CONFIRM AT: $12,328.38 paid then $2200 x 50 beg. 6/1/20 pro rata -student loans outside--LM provision to be stricken from plan-debtor free to seek Loan mod outside-Lakeview arrearage claim to be paid by Trustee-pay secured Burlington claims and remove plan language saying otherwise


5/4 updated workup for the 5/5 calendar EDC-Sent email on 4/28
--have attempted to email and texted counsel on 5/4 to try to resolve. EDC

2 payments arrears
-Lakeview filed objection(order granted allowing participation in loss mit but is just in review for 90 days. We need to either confirm paying arrears or LM and pay outside with creditor having the right to apply for stay relief EDC)
---needs one year bar from refiling if dismissed (3 cases in 4 years)

>>trustee objection:
-Amendments to Schedules B and C to add the 2006 Mercedes C280, per auto insurance,(STILL)
-The debtor(s) plan consists of unnecessary or excessive expense items, such as: Life
insurance $148, Auto insurance $457, expenses for daughter in college $150,
-22c has disposable income, tax refund not deducted $253.42
-takes $46 for additional health care expense,
-Line 23 takes telephone services $200, Line 29 additional education expenses for child
under 18 $160.42 (adult dependent is 21 yrs old), Line 30 additional food and clothing $42
and Line 31 charitable contributions $20 (none on Sched I or J). There would be
disposable income $1,216.17 minus the difference in claims filed $42.13 Twp Burlington,
$51.46 Lakeview/Central, $75.82 Wells Fargo 1st mtg and $40.88 Wells Fargo 2nd mtg
total $1,005.88, which would require $60,352.80 to gucs or 100%
-Proof of income verifies higher, there is disposable income $4160 based on I & J and updated POI provided 3/2/20 (shows $8800 take home based on the 3 paystubs which is higher than scheduled)
-The Schedules fail to account for the debtor(s) tax refund in the amount of $3,041 when
determining disposable income.
- debtor must provided proof when supp
Matter ResolvedRequest
Adjourment
865/5/2020 10:00 am19-25020 / MBKMITCHELL˙MALZBERG,˙ESQ.Confirmation Hearing ScheduledContinued
5/13/2020 10:00 am
Debtor has made 11 of 11 required payments   Arrears: $0  

AS OF 4/29/20 (SF) -ADJ PEREMPTORY - This case was previously adjourned to May 13,2019


***NEED STATUS OF SALE OF COMMERICAL PROPERTY, PLAN IS NOT FEASIBLE, 109e ISSUE, ESTIMATED TAXES***

1. Objection filed by Wells Fargo (Phelan) - failure to pay arrears of $29,529.04 - OK TO PAY

2. Objection filed by WBL SPE III, LLC (Jessica Gulash) failure to pay arrears of $853,635.14. (THE ARREARS PER POC $1,564290.91)

3. Objection filed by Bank of America ( Roger Gottilla) - Plan is not feasible, speculative sale, and 109(e) issue. Debtor owes the Bank approximately $5,294,269.14. (FILED UNSECURED CLAIM FOR $6,182,876.19)
TO BE WD AT SALE

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

5. State of NJ priority claim 6-1 is estimated (NEED AMENDED CLAIM)
VERIFY IF FILED GET APOC

6. Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
- Business forms - and 6 months profit and loss statements for all businesses (RECEIVED) DISPOSABLE INCOME VERIFIES AT $2639.36 BUT DEBTOR IS ONLY PAY $100 PER MONTH
- A copy of the last filed tax return - 2018 personal and business
- The amount of debt in the debtor(s) Plan exceeds the statutory limit for secured or unsecured debt pursuant to 11 U.S.C. ? 109(e).


Plan proposes $100 x 60 100%, Sale of commercial property by 11/30/19
Payments: 9/9

RESOLVED ISSUES:
- Motion for Relief by Wells Fargo Bank (Phelan) 1/8 @ 9 (ORDER SUBMITTED)
- Need copy of the listing agreement for the commercial property (RECEIVED COPY OF SALES CONTRACT)

PREVIOUS NOTES:
1/3/20(MK):Adj DENIED as nothing done in case & over 90 days since last hearing date of 9/25/19 - THERE IS STILL NO LISTING AGREEMENT PROVIDED. (RECEIVED)
WAS UNDER CONTRACT LITIGATION NEG WITH OTHER DEAL

12/20/19 (SF) - 90 DAY ADJ. IF ISSUES ARE NOT RESOLVED IN 90 DAYS MAY NEED JUDGE (SAME ISSUES AS BEFORE AND NOW TAX CLAIMS ARE ESTIMATED)
Matter ResolvedRequest
Adjourment
875/5/2020 10:00 am19-26755 / MBKREGINA L GELZER, ESQConfirmation Hearing on Modified PlanDismissedDebtor has made 25 of 11 required payments   Arrears: $0  

NA
***ADJ TO 5/5/20 TO CONVERT TO CH 7 OR DISMISS***

AS OF 4/21/2020 (at):

1. Objection filed by Ford Motor Credit (Morton) - plan does not assume lease and they need proof of insurance. (MOD PLAN ASSUMES LEASE) (STAY RELIEF GRANTED)

2. Objection filed by JP Morgan Chase 1st mortgage (McCalla Raymer) - plan does not propose to pay full arrears of $68,996.17 (Per POC) (UNRESOLVED - MOD PLAN DOES NOT PAY FULL ARREARS, ONLY $38,747.88)

3. Objection filed by JP Morgan Chase 2nd mortgage (Fein Such) - plan does not list 2nd mortgage or arrears of $25. (MOD PLAN LIST 2ND MORTGAGE AS UNAFFECTED)

4. Objection filed by the IRS (Eamonn O'Hagan) - Plan is not feasible. IRS claim is $251,473.77. (Priority $40,048.33, Secured $201,735.95 and Unsecured $9,689.49) (UNRESOLVED)

5. Stay motion filed by Ford Motor Company (Morton). Hearing is 2/4/2020. (STAY RELIEF GRANTED)

6. Stay motion filed by JP Morgan Chase (Fein Such) 2nd mortgage on residence. Hearing is 2/18/2020. (OTBS, CURE ARREARS OUTSIDE OF THE PLAN)

7. Need a proposed completion date for sale of residence. (MOD PLAN DOES NOT HAVE A PROPOSED DATE FOR SALE)

8. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - : Updated pay stubs for Debtor's new position with his company.
- Business profit & loss statements (NOT RECEIVED)
- Business forms (NOT RECEIVED)
- A copy of the homeowner's insurance renewal declaration (RECEIVED)
- A Modified Plan that addresses treatment of second mortgage held by Chase and assume Ford lease. (MOD PLAN FILED)
- Amendments to Schedules B to list all 5 Chase bank accounts and D to list liens on Vehicles. (NEITHER AMENDED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$750/month for home maintenance
$500/month for lawn care
$333/month for pool maintenance
$360/month for cleaning services
$1,232/month for home and car insurance (mortgage company pays insurance)
$1,500/
Matter ResolvedRequest
Adjourment
885/5/2020 10:00 am19-27085 / MBKLEE M PERLMAN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 8 of 10 required payments   Arrears: $2,395.00  Total Paid In: $19,540.00
4/24 workup for the 5/5 calendar EDC
-Debtors in a trial LM---Are we paying Caliber pending loan mod? (Per part 9 do not pay)
-paying post petition directly to Loancare 1st mortgage(Pageant St.) per 4/6 order.

* Per objections below the trustee recommends compromising at $12,725 paid then $2395 x 53 remaining beg. 5/1/20 pro rata-LM by 7/1/20

1. Trustee obj to the following:
- Proof of rental income for Pageant Lane Property. - PROVIDES BANK STATEMENTS WITH DEPOSITS MADE $1200 and $1000 TOTAL $2200.
- Debtors have expenses for Pageant rental property including 2 mortgage payments and lawn care which expenses total over $1767. The rental income listed on the amended schedule I says $1000. BUT RENTAL INCOME PROVIDED IS $2200?? If only $1000 the property should be surrendered because it is upside down. If $2200 rent the disposable income is over $3100 monthly
- 122c Line 25. Health Insurance $927.80 - needs proof. 122C contains payments on secured debtors for Pageant lane property and no income for this property is listed on Sch I or on 122C. Therefore, these schedules are not accurate. Line 35 has $12,431.89 for priority claims. Those claims are currently estimated and this figure will change.(AMENDED OK)
------------------------------------------

2. Loancare obj to arrears not paid, plan list as outside and feasible issue due to excessive arrears owed of $29,084.65.

3. Bank of America obj arrears more, POC filed $12,421.39. Obj settled 1/16/20.

4. Caliber ob arrears more, POC filed $93,968.65.

5. Wells Fargo filed bifurcated claim, secured portion $19,731.63, unsecured $7,433.95, arrears total $27,165.58. Claim needs to be resolved.

Prop Plan $2,140 x 60 0%
Note: IRS estimated claim amended. Updated homeowner insurance provided.
Matter ResolvedRequest
Adjourment
895/5/2020 10:00 am19-27291 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledDeniedDebtor has made 3 of 10 required payments   Arrears: $1,270.00  Total Paid In: $4,400.00
***PLAN DENIED BY MBK - TRUSTEE TO FILE A TMTD WITHIN 14 DAYS & DEBTOR TO FILE A MP WITHIN 14 DAYS***

4/21 workup for the 5/5 calendar
***-add bar from refiling for one year if dismissed
-Need OTBS with Main Electric - Adj to 5/5/20 (NOT DONE)-
-ADJ PEREMPTORY 2 TIMES
RETAIN REALTOR BY 3-11 ( DONE)
CASE ADDS OVER 37,000 TO PNC - NOT FEASIBLE WOULD NEED $1080 GOING FORWARD
Phelan OK with sale by 9/17/20
-add non exempt from sale
-add bar from refiling for one year if dismissed
---------------------
--Objection By Freedom Mtg(Phelan):(RESOLVED-SALE BY 9/17/20
-- Objection by Main Electric Supply(Nordlaw):AR GUC DID NOT APPEAR ON 2-26- filed 4 prior plans - all unconfirmable.(STILL)
--Objection by PNC Bank( Martone):(RESOLVED)
<>Trustee Objection:
-Contract for sale of real property with realtor, property to be sold within 6 months by 3/13/20.
-plan has excessive expenses:Life insurance $375 AR PER ATTY OK TO DISALLOW -disposable is still lower than scheduled
- Must add to confirming order non-exempt proceeds from sale of real property.
ADD
-The case should be dismissed with a 1 year bar to refiling


Plan:400 x 60; Base and Sale of Saddle Ct within 6 months (3/13/20).
payments:4/5
last claim:8-2.bar date:11/18/19.
Matter ResolvedRequest
Adjourment
905/5/2020 10:00 am19-27352 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
6/2/2020 10:00 am
Debtor has made 3 of 10 required payments   Arrears: $181.00  Total Paid In: $2,700.00

AR PROOF OF EWAGE BY 5-11

4/13 workup for the 4/22 calendar EDC
--no payments since January---3 payments in arrears---ADJ PEREMPTORY --Only remaining issue is loan mod-Shellpoint has MFR on for 5/5


As of 2/19/20 (DS): 1. TRUSTEE OBJ RESOLVED:
- AMENDED SCHED B AND C STILL NOT RESOLVED. AMENDED SCHED B ADDS ONLY 1 ADDITIONAL VEHICLE (1999 TOYOTA LAND CRUIS WITH NO VALUE), BUT AUTO INSURANCE HAS 2004 FORD EXPLORER AND 2007 NISSAN 350Z AND LIST DEBTORS AS PRINCIPAL DRIVERS).($3600 equity but 100%)
- Amended Sched J increases mortgage for rental property to $2,116, but per proof provided mortgage is $1,892.30 as of 1/1/20. PLAN IS PAYING 100% SO THIS WILL BE MOOT.

2. Ditech (125-127 Princeton Ln) obj that plan fails to pay arrears, claim filed for $119,353.58. Obj must be resolved. Plan is not feasible if paying arrears and propose no loan mod. MOD PLAN PROPOSE LOAN MOD AND ARREARS THROUGH LOAN MOD.

3. WHAT IS THE STATUS ON LOAN MOD, PLAN HAS LOAN MOD PER ORDER OF LOSS MIT. MOTION FOR LOSS MIT WAS GRANTED 2/18/20, NEED DATE TO EXTEND.

1/22/20 (DS): 1. Trustee obj to the following:
- Must amend Schedule B and C to add all autos on auto insurance. - AMENDED SCHED B ADDS ONLY 1 ADDITIONAL VEHICLE (1999 TOYOTA LAND CRUIS WITH NO VALUE), BUT AUTO INSURANCE HAS 2004 FORD EXPLORER AND 2007 NISSAN 350Z AND LIST DEBTORS AS PRINCIPAL DRIVERS)
- Amended Sched J increases mortgage for rental property to $2,116, but per proof provided mortgage is $1,892.30 as of 1/1/20. PLAN IS PAYING 100% SO THIS WILL BE MOOT.

2. Ditech (125-127 Princeton Ln) obj that plan fails to pay arrears, claim filed for $119,353.58. Obj must be resolved. Plan is not feasible if paying arrears and propose no loan mod. MOD PLAN PROPOSE LOAN MOD AND ARREARS THROUGH LOAN MOD.

3. Arrears claim filed by PHH Mortgage (West Front St property) for $2,602.08, listed in plan as loan mod to be complete within 3 month post-conf, arrears not to be paid or reserved. Claim must be paid or moved against the claim.
Matter ResolvedRequest
Adjourment
915/5/2020 10:00 am19-27581 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 7 of 10 required payments   Arrears: $0  

5/1/20 (sf) - Per atty, ok to dismiss/Hold Fees

4/27 workup for the 5/5 calendar

-NOTHING DONE SINCE FEBRUARY
-The plan does not mention mortgage being crammed. Needs to add. Are we paying pending LM. Is there AP? Per stay lift motion (5/13) no post petition payments have been made

1) Trustee objection:
- Need Proof of 2 month's income - Need statements from Uber for 60 days prior to filing.(OK)
- Need copy of 2018 Tax Return.(STILL NO 2018 taxes)
-Need copies of bank statements for period 60 days prior through date of filing.(STILL)
-Disposable income on per Schedule I verifies higher at $849.08. May require 100% plan.
-The Schedules fail to account for the debtor(s) tax refund in the amount of $1728.00 when
determining disposable income. (2017)
- Resolve Attorney Fee Balance issue. The plan does not match the Disclosure
statement.
- Order of Distribution pays priority before secured.
2) Need to file Pre Confirmation Certification with Court
3) Select Portfolio Servicing Inc (McCalla) objection to confirmation - need to resolve
-arrears $450,000
450/60, LM: 31 PUEBLO CRT BY 2/28/20, BASE
Matter ResolvedRequest
Adjourment
925/5/2020 10:00 am19-27666 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
5/19/2020 10:00 am
Debtor has made 8 of 10 required payments   Arrears: $1,440.00  Total Paid In: $11,136.00
***MBK ADJ TO 5/19/20, MAKE ANOTHER $1,392 PAYMENT, AND TRUSTEE TO REVIEW UPDATED PAY STUBS SUBMITTED AND MAKE REC FOR CONF OR NOT 5/4/20***

AS OF 2/27/20 (SF)

1. Objection filed by Lakeview Loan Servicing (Schiller, Knapp) - failure to pay arrears of $68,013.09 (THE PLAN PAYS ARREARS)
2. Objection filed by Santander Consumer (Morton) - to cram (MUST RESOLVE)
3. Trustee objection:
- Proof of 2 month's income - for debtors new job. Only 1 pay stub provided for Feb. (STILL NEED)
Amendments to Schedules I & J for debtor's new job (STILL NEED)

Plan proposes $1392 x 60 0%
Payments: 5/7 Arrears: $2784

RESOLVED ISSUES:
- Need August and September bank statements for TD savings accounts #0674 (RECEIVED, ACCT IS CLOSED) and #2096 (RECEIVED)
-. Hyundai Lease filed secured claim with zero arrears. This creditor was not assumed in plan (MP REJECTS LEASE)
-. Mariner Finance filed secured claim with zero arrears for 2002 Acura MDX. This creditor was not addressed in the plan (MP SURRENDERS)
Matter ResolvedRequest
Adjourment
935/5/2020 10:00 am19-27896 / MBKEric ClaymanConfirmation Hearing ScheduledContinued
6/10/2020 10:00 am
Debtor has made 9 of 10 required payments   Arrears: $150.00  Total Paid In: $12,000.00
NFA AR RESOLVE OR HOLD
4/27 workup for the 5/5 calendar EDC--sent email to Rhondi re: disposition list
same as 2/24 EDC

1. Objection By NBT BanK(Gutworth,Esq):
- Objects to cram of solar panels.
2. Police & Fire on 1st mtg -POC arrears $250.74-OK TO PAY? WILL PAY
3. Trustee Objection
- debtors are not paying all disposable income into the plan following reasons:Monthly disposable income of $2,447 on Form 122c req. a $146,820 min.dividend to unsecured creditors.(OK TO USE I & J BECAUSE OF NEW JOB)
-Even allowing all expenses, total excess dispos income over 3,600-Debtor ans spouse income about $1500 more monthly than estimated. He nets $7907 and she nets $3848
- Income for the co-debtor's new job, starting September 2019, verifies higher ($3,848)than scheduled ($2,972)
-plan has excessive expenses:$3,258 housing cost,(J says sep households - proof of his mtg payment and her rental payment)- $300 childcare (need proof).
- Schedules fail to account for tax refund of $10,245 when determining disposable income.(added in).
- The confirming order must provide for the turnover of all non-exempt proceeds from
wrongful discharge claim.
-Order of Distribution- Needs trustee Standard Order.
- Need certification(No Cert provided) and supporting documentation regarding the disposition of proceeds
from the sale of the Woodlake Wynde property (STILL)
-need verification that Giuseppe Iacovitti was entitled to 50% of the sale proceeds.( Copy of ck to him for $14,688.20 doesn't prove his entitlement)
-Per closing statement $34,116 to debtors from sale in June 2019 - 3 months before filing
-------------------------------------------------------------------------------------
The current Plan does not specify treatment of NBT Bank under the Plan.(MP Crams)
- CMA - Need narrative page from person that prepared the CMA.(Provided).
-need Proof of 2 month's income - : Need last pay stub in December for Debtor with Ytd numbers.( Provided)
-need insurance coverage for Infiniti Q50.
Matter ResolvedRequest
Adjourment
945/5/2020 10:00 am19-27954 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 10 required payments   Arrears: $0  
Total Paid In: $1,994.00
UPDATED 5/5/2020 COURT

OK TO CONFIRM AT $1,152 PAID TO DATE, $518X52 begin 6/1/2020 base plan
-Home Point Financial Corporation (claim 7-1) no arrears paid while loan mod is pending, loan modification by 8/31/2020
-Capital One Auto Finance (claim 3-1) strike Part 4d of modified plan, attorney to file separate motion against claim within 30 days
-modified plan filed 4/30/2020 to be withdrawn by debtors counsel immediately
-must file fee application within 7 days of confirming Order




Adjournment Request Denied - MP filed 4/30/20 still does not properly list the car cram.
AR RESOLVE OR HOLD
ISSUES AS OF 4/27/2020 (DM):

1) Home Point Fin (McCabe) OBJs - $63,463.50 arrears on late POC filed (OTBS).

2) Trustee Suppl OBJ:
- Need a MP that adds Capital One Auto cram to Part 7 of the Plan (UNRESOLVED).

3) Trustee OBJ:
- Debtor has failed to file a feasible plan.
- Proof of income verifies higher ($3,688) than scheduled ($2,870) -- AMENDED I&J FILED.
 Debtor fails to pay $997 disposable income into plan (AMENDED I&J FILED - $468 DISPOSABLE).
- Plan fails to provide for a prompt loan modification completion date (CREDITOR OBJs).
- Needs proof of service on cram of Capital One Auto (SERVED ON 3/24/20).
- Need copy of the homeowner's insurance renewal declaration (RECEIVED).
- Improper Exemption - debtor takes double (d)(1) exemption for $50,300 on real estate (AMENDED - no (d)(1) taken).
- Need CMA - the appraisal provided is too old (RECEIVED).


Prop. Plan $144 x 60, Base Plan, Loan Mod in 6 months
PTD 7/7= $1,008
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
955/5/2020 10:00 am19-28528 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 10 required payments   Arrears: $0  
Total Paid In: $3,480.00
4/28 workup for the 5/5 calendar EDC
--Per email att agrees with terms
Trustee RECOMMENDS CONFIRMATION AT: $1180 PAID THEN $500 X 2 BEG 5/1/20 THEN $1300 X 51 BEG 7/1/20 PRO RATA (min of $12,242.32 in non-exempt equity)-att to file fee application within 7 days

-filed 2nd amended 22C. Each one looks completely different-- but it has the following errors/problems
-part 9 b list a $4080 mortgage payment but J shows $2252
---line 13e improper $508 auto deductions because doesnt show any loan payment(FIXED)
---line 17 improper $2624 deduction--paystubs don't show much in involuntary dues, union or pension deductions(STILL-this should be reduced by several hundred-plus 40lk loan is ending now)
---line 21 no proof of $1624 childcare deduction(Fixed)
---line 23 no proof of optional telephone of $330
---line 24-need proof of $315 addt energy cost(FIXED)
-If these added back there is $1437 monthly to go to gucs=$86,220
-MP still doesn't make sense at 100%- why no MP filed?(FIXED)
>>>Trustee objection to confirmation - need to resolve
-need a Modified Plan that increases Trustee payment in June 2020 when co-debtor pension loan is paid off ($900/month in additional income)
-the debtors plan consists of unnecessary or excessive expense items on schedule J: $350/month for home maintenance; $1,624/month childcare (need proof of same) ALLOW $200 FOR HOME MAINTENANCE; ALLOW $1,200/MONTH HOUSEHOLD FOOD; CHILDCARE OK AS SCHEDULED
-the Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is $12,242.32 in non-exempt equity in their residence

MP paid then $400 x 54 beg 4/1/20 base
proposed plan $
paid in $520
last claim 34-1
Matter ResolvedRequest
Adjourment
965/5/2020 10:00 am19-28529 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
5/27/2020 10:00 am
Debtor has made 9 of 10 required payments   Arrears: $0  

As Of 4/28/20(mk):

>>ATTY Needs to Upload adj.Request to adj this to MP date of 5/27/20<<<

4/27/20:MP( #43)FILED & On For 5/27/20.Amended I & J & 122c filed.& amended atty disclosure- now hourly fee.-
>>docs uploaded on 3/13/20 re:expenses & on 4/24/20- updated POI form debtors was uploaded-MK: NEED TO File OBJ. To Amended I & J , 122c & to MP on 5/27/20. Plan needs 100%. mk: will file detailed objection outlining issues and excess disposable income.


3/30/20(mk atty says reviewing income, provided (401K) statement- adj. 5/5/20
AS of 3/6/20(mk):fyi. mk replied to atty email as to how we verified income and the reduction in excess expenses.


1. Motion to Extend/Alter/Clarify terms Of LM Trial Period on for 5/6/20. NEED RESULT as plan is LM.

2. Objection by SN Servicing/US Bank(Friedman Vartolo):MP Still Seeking LM-Needs to resolve obj.
-plan modifies rights- no pay arrears

3. Objection by Towd Point Master Funding(KML):MP Now STRIPS THIS 2nd Mtg
-plan fails to pay arrears.

4. Late Secured claim filed by New Century Fin on a J'ment.- MP Strips Judgment- need to ck for Service.

5. Trustee objection:
need 2019 tax return
-need a statement for the loan deducted from debtor's pay check showing balance due.(Provided:Pension loan will be pd off in approx 18 mos from 4/2020. That will leave extra 600 p/m in income.)
-plan has excessive expenses:$555/month for cable/internet/phone;$500/month for childcare/education (need proof),
$418/month for miscellaneous;$200/month for student loans (AMENDED I & J Filed & some proofs uploaded- T'ee to file Supp objection)
- debtors are not paying all disposable income into the plan as verified income leaves a monthly net balance of $2,633.15.
-Per the 122C, monthly disposable income is $5,870 which requires min.dividend of $352,200 to gucs.( AMENDED & T''ee will file supp obj)
---------------------------------
-need copy of the homeowner's insurance renewal declaration(Provided).
-need updated car insurance for both ca
Matter ResolvedRequest
Adjourment
975/5/2020 10:00 am19-28735 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 7 of 9 required payments   Arrears: $0  

***DISMISSED BY MBK FOR LACK OF PROSECUTION***

AR RESOLVE OR HOLD
ISSUES AS OF 4/28/2020 (DM):

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

2) Spotswood-Lowman (Wasserman) OBJs to confirmation - commercial real property lease with CJB Group (OTBS).

3) Wells Fargo Bank filed secured claim with $154.20 in arrears (MTG PAID AT SALE PER HUD-1).

4) Trustee OBJ:
 Excessive Expenses - Sch J: $275 home maintenance; $1,550 food; $1,750 childcare (need proof); $400 clothing; $230 personal care; $400 entertainment (UNRESOLVED).

 Excessive Expenses - Form 122c-2: $1,750 on Line #21 for childcare (need proof), $48 on Line #30 for additional food; $1,400 on Line #43 for additional food/clothing/home maintenance. Even without objected expenses on Form 122c-2, Line #45 shows monthly disposable income of $1,523.47 which would require a minimum $91,408.20 dividend to general unsecured creditors (UNRESOLVED).

 Need documentation for CJB Group LLC listed on Sch B with no value (UNRESOLVED).

- Need bank statements for Wells Fargo savings acct (BALANCE IN ACCT JUST BEFORE FILING $4,394.40).
- The attorney fee balance in the Plan and Attorney Disclosure Statement do not agree (AMENDED).


Prop. Plan $1,500 x 60, Base Plan
PTD 6/6 = $9,000
Last Claim (10-2)
Matter ResolvedRequest
Adjourment
985/5/2020 10:00 am19-28842 / MBKDAVID J KHAWAMConfirmation Hearing on Modified PlanDeniedDebtor has made 5 of 9 required payments   Arrears: $4,423.00  
AR PLAN DENIED AND MOD PLAN AND WD PLan doc 56 BY 5-19 KHAWAM MUST APPEAR

UPDATED 5/1/2020(DM):

 MP filed 4/29/20 and scheduled for 6/2/20 - TRUSTEE HAS BRIEFLY REVIEW THE MP AND NOTICES THAT IT CONTAINS SOME OF THE EXACT SAME ERRORS RAISED WITH PREVIOUS MPs FILED - THE DEBTOR'S ADJOURNMENT REQUEST HAS BEEN DENIED AND AN APPEARANCE WILL BE REQUIRED ON 5/5/2020, OTHERWISE THE TRUSTEE WILL MOVE TO DISMISS THE CASE 

***NEW ERRORS IN THE MP FILED 4/29/20***
 Credit Acceptance improperly listed as a priority claim in Part 3a.
 Need consent order to pay interest to M&T Bank/Lakeview in Part 4a - amount is higher than POC.
 If First Investors is treated as secured unaffected in Part 4f, listing $16547 is confusing as it is not even a number contained in the POC filed on behalf of the creditor - no number needs to be included.
 Need consent order to pay interest to Capital One Auto in Part 4g - amount is higher than POC.
- Debtor properly obtained a consent order with Credit Acceptance to pay interest on its claim.
 No reason provided to separately classify te creditors listed in Part 5b and pay 10%.
 The Order of Distribution in Part 8c is completely incorrect.

ISSUES AS OF 4/28/2020 (DM):

***Debtor needs to responds to items below - Debtor will need approximately $2,552 x 54 going forward to service the plan***

 MP filed 4/3/20 as Doc #49 is unintelligible and will NOT be considered, therefore the MP filed 3/3/20 as Doc #43 is the last Plan with readable terms to be considered.

1) Credit Acceptance MFR scheduled for 4/8/2020 - need outcome (OTBS).

2) Credit Acceptance (MORTON) OBJs to cram of 2009 GMC Yukon (CONSENT ORDER ENTERED).

3) Lakeview Loan Servicing (SCHILLER) OBJs - $69,728.93 arrears - MP Doc #43 provides for $69,728.93 arrears with interest (TRUSTEE TO SET UP PAYMENT PER POC - IF INTEREST NEEDS TO BE ADDED, TRUSTEE NEEDS A CONSENT ORDER FOR EXACT NUMBER).

4) MP Doc #43 provides $25,768.68 pay-in-full treatment to Capital One Auto on
Matter ResolvedRequest
Adjourment
995/5/2020 10:00 am19-29140 / MBKLEE M PERLMAN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 8 of 9 required payments   Arrears: $450.00  Total Paid In: $3,600.00
4/24 workup
** Can Confirm at: $450 x 36 beg 11/1/19-sale of Echohill Ln by 9/1/20-trustee to receive all non-exempt proceeds-100% to unsecured based on equity of $119,346.
-low base pending sale

trustee obj:
-There is $119,346 non-exempt equity on real property, 2011 Chevy Cruze $2,627.13 and bank accounts $3,783.38. Need to confirm at 100% due to non-exempt equity.

-low base
-need proof of SS(DONE)
-trustee needs non-exempt proceeds from sale
Matter ResolvedRequest
Adjourment
1005/5/2020 10:00 am19-29342 / MBKBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $3,210.00
update as 5/1/2020

***OK TO CONFIRM AT $2,140 Ptd, $535X57 BEGIN 2/1/2020 BASE PLAN
-NATIONSTAR MORTGAGE LLC/MR. COOPER WILL BE PAID ARREARS OF $4,084.67 THROUGH PLAN

issues as of 4/23/2020

1) Trustee objection to confirmation - RESOLVED
-need Amendment for Form 122c - the form filed is for Chapter 7 RESOLVED, FILED
-need Amendment to Schedule I to remove brother's contribution RESOLVED, BROTHER CONTRIBUTION REMOVED
-the schedules fail to account for the debtors tax refund in the amount of $1,811 when determining disposable income
-need to file Pre Confirmation Certification with Court RESOLVED, FILED
2) Need Disclosure of Compensation to reflect fees sought through plan in the amount of $3,250. The Trustee cannot pay attorney fees without the amended Disclosure RESOLVED, FILED AMENDED DISCLOSURE THAT AGREES WITH THE PLAN
3) Nationstar Mortgage LLC/Mr. Cooper filed secured claim 9 with arrears in the amount of $4,084.67 -need to pay arrears through plan or move against claim RESOLVED, ATTORNEY OK TO PAY ARREARS CLAIM THROUGH PLAN

proposed plan $535x57 base plan
paid in $1605
last claim 14

Matter ResolvedRequest
Adjourment
1015/5/2020 10:00 am19-29362 / MBKFRANCIS P CULLARI, ESQConfirmation Hearing on Modified PlanContinued
6/24/2020 10:00 am
Debtor has made 4 of 9 required payments   Arrears: $212.00  Total Paid In: $1,800.00
AS OF 4/30/20 (SF)

1. State of NJ filed amended estimated unsecured claim - missing 2013 and 2015 Returns (NEED AMEND CLAIM)

2. Trustee objection:
- Verified income leaves a monthly net balance of $981.04. (I and J amended along with updated proof of income. Disposable income is now $552.98 which includes $170.17 for the Employee Loan which expired)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $884.00 when determining disposable income.

3. Standard order of distribution


Plan proposes $200 x 48 Base
Payments: 6/6

RESOLVED ISSUES:
- Capital One Auto Finance filed arrears claim for $3665.62 which is not addressed in plan (OK TO PAY?) - MP SURRENDERS
- Need to file Pre-Confirmation Certification. (FILED)
- Need a statement for the Employee Loan deduction. (STATEMENT PROVIDED DOES NOT STATE WHAT TYPE OF LOAN THIS IS FOR. DEDUCTION WILL BE ADDED BACK AS INCOME)--loan ded ends in april so ok to add per att.
Matter ResolvedRequest
Adjourment
1025/5/2020 10:00 am19-29743 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 7 of 9 required payments   Arrears: $0  

AS OF 4/30/20 (SF)

1. Objection filed by Bank of NY Mellon (RAS Citron) - failure to pay arrears of $138,093.33. The plan proposes to pay $12,000 (PLAN IS NOT FEASIBLE)
2. Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - from odd job's according to Schedule I. (CERT PROVIDED THAT DEBTOR DOES NOT RECEIVE ANY MONEY FROM ODD JOBS AT AUTO REPAIR SHOP) DEBTOR'S INCOME IS NOW $172.99

Plan proposes $345 x 60 0%
Payments: 5/6 ARREARS: $345

RESOLVED ISSUES:
- 2 months bank statements from savings account with Bakers Federal Credit Union prior to filing date. (Statements provided do not identify the name of the Bank) (RECEIVED)
- Need auto insurance for vehicles. (RECEIVED)
Matter ResolvedRequest
Adjourment
1035/5/2020 10:00 am19-30589 / MBKTHOMAS J ORR ESQConfirmation Hearing ScheduledConfirmedDebtor has made 8 of 9 required payments   Arrears: $557.00  Total Paid In: $4,281.00
ISSUES AS OF 4/27/2020 (DM): - Atty ok with terms.sf

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $3,200 PTD, THEN $546 x 54 STARTING 5/1/20, BASE PLAN, STUDENT LOANS TREATED OUTSIDE THE PLAN***

1) Trustee OBJ:
- Need September and October bank statements for both First Bank accts (RECEIVED).
- Need statements for the co-debtor's two 401k loans (RECEIVED).

Note: Amended Attorney Disclosure filed. Service okay. There is SS income.


Prop. Plan $530 x 60, Base, student loans outside
PTD 6/6 = $3,200
Last Claim (16-1)
Matter ResolvedRequest
Adjourment
1045/5/2020 10:00 am19-30774 / MBKEric ClaymanConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 8 required payments   Arrears: $1,513.00  Total Paid In: $6,701.00
4/24 workup for the 5/5/calendar EDC

**To CONFIRM it would need $3675 paid then $1513 x 55 beg 5/1/20-100%(min of $82014 due to equity)

-SAME AS LAST TIME
objection by Morton resolved
>>trustee objection:
-need mortgage statement showing principal balance owed on the mortgage(sent in for Rushmore. Is this the only loan? It is the only filed claim. If so it needs 100% There is $82,000 in equity and no exemption taken. Even with exemption there would be over $55,000. There are $40,000 in filed claims)
**To CONFIRM it would need $3675 paid then $1513 x 55 beg 5/1/20-100%(min of $82014 due to equity)



735/60, 0%
Matter ResolvedRequest
Adjourment
1055/5/2020 10:00 am19-30890 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
7/22/2020 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $1,299.00  
NFA
4/24 workup for the 5/5 calendar EDC

LM extended to 6/2/20
-still IRS estimated for 2018-
-still need 2018 IRS returns
-Only $1235 in gucs needs 100%

1) Trustee objection to confirmation - need to resolve
-need a copy of the last filed tax return - 2018
-need Amendment to Schedules - Amend Schedule B to add 2010 Honda Accord(DONE on 3/5-there is now $9,000 in equity in the autos EDC)--ONLY $1235 IN GUCS SO WOULD BE 100%
-need to file Pre Confirmation Certification with Court
2) Wells Fargo filed secured claim 2 for the 2011 Honda Accord LOAN MATURED IN 2019, NEED TO EITHER PAY FULL CLAIM $8,866.05 THROUGH PLAN OR FILE MODIFIED PLAN SURRENDERING VEHICLE

proposed plan $650x36 base plan with loan mod by 5/31/2020
paid in $1951.50
last claim 5-1
Matter ResolvedRequest
Adjourment
1065/5/2020 10:00 am19-31068 / MBKTHOMAS M MONAHAN, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 7 of 8 required payments   Arrears: $0  
Total Paid In: $9,288.00
ISSUES AS OF 4/28/2020 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $5,322 PTD, THEN $1,322 x 55 STARTING 5/1/20, 100% PLAN, TRUSTEE STANDARD ORDER OF DISTRIBUTION***

1) Ditech (PHELAN) OBJs - $41,383.37 arrears (PER ATTY, PAY PER POC).

2) US Dept of HUD filed a secured claim not treated in plan (MP TREATS AS SECURED UNAFFECTED).

3) Must file Pre-Confirmation Certificate (FILED).

4) Trustee OBJ:
- Need to amended attorney disclosure as attorney is paid by employee benefit plan (AMENDED).


Prop. Plan $1,322.51 x 60, 100% Plan
PTD 4/5 = $5,322
Last Claim (12-1)
Matter ResolvedRequest
Adjourment
1075/5/2020 10:00 am19-31402 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 15 of 8 required payments   Arrears: $0  
Total Paid In: $8,195.00
AS OF 4/27/20 (at): - Atty ok with terms.sf

RECOMMEND: $6,545 PAID TO DATE, $550 x 20 BEGINNING 5/1/2020, $1,450 x 35 BEGINNING 1/1/2022, BASE
(Increase due to pension loan being paid off in 12/2021)
Student loans will be paid outside of the plan.
Need to file Pre-Confirmation Certification within 10 days of confirmation.
Need updated proof of income within 60 days of confirmation.

1. Need to step up trustee payment in January, 2022 when pension loan is paid off. Additional $900 per month in disposable income.

2. Objection filed by Wells Fargo (Shapiro) - failure to cure arrears of $2,071.41. (RESOLVED BY ORDER - PAY ARREARS)

3. Objection filed by Bank of NY Mellon for second mortgage (KML) - failure to cure arrears of $485.04. (RESOLVED BY ORDER - CURRENT AND PAID OUTSIDE)

4. Trustee's objection:
The debtor has insufficient income .
The debtor has failed to file a feasible plan.
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
-excess expense on Schedule J $545/telephone, cell phone, internet; $1,200/food 3
people; $885/student loans - plan does not state they are paid outside (MOD PLAN DOES NOT PAY STUDENT LOANS OUTSIDE. AMENDED J LOWERS SOME EXCESSIVE EXPENSES AND CHANGES TO FAMILY OF TWO)
-Form 122c-2 Line 45 has excess income $2,326 which requires minimum $139,560 dividend to general unsecured creditors (AMENDED 22C NOT FILED)

MP Plan proposes: $6,545 paid to date, $397 x 36, base
Payments: 5/5
Matter ResolvedRequest
Adjourment
1085/5/2020 10:00 am19-31630 / MBKEUGENE ROTH, ESQConfirmation Hearing ScheduledConverted to 7 / 11Debtor has made 5 of 8 required payments   Arrears: $0  

5/4/20 (sf) - Per Atty, debtor will convert to Chapter 7

As of 4/29/20 (DS): 1. BELOW ISSUES STILL NOT RESOLVED.

2/18/20 (DS): 1. Trustee obj to the following:
- Need last 2 months worth of bank statements prior to filing date. - PER BANK STATEMENTS DOWNLOADED THERE IS A NOTE THAT BANK ACCTS WERE CLOSED BACK IN 2018, SO WHY IS THIS LISTED ON SCHED B??
- Several claims listed on Schedule D are not being treated in plan, specifically 21 E. Front Street LP $34,259.42, Botnick Bros Produce $13,014.98; Pikewood Energy Corp $172,079.74; TFS Cus FIG GAP INV NJ13 LLC $554.19.
- Plan list to pay PHH Mortgage, TFS Cust FIG GAP INV NJ13 and The Grande at Battleground claims in full. Is this at sale or through plan? Plan only pays $145 x 36.

2. US Bank obj to sale and plan not feasible to pay arrears. Obj must be resolved.

3. The Grande@Battleground Community Assoc filed unsecured claim, not secured. Plan proposed to pay in full.

Prop Plan $145 x 36 Base and Sale Cornwallis Ct 6 months post- conf
Note: Income for spouse and updated auto insurance provided.
Matter ResolvedRequest
Adjourment
1095/5/2020 10:00 am19-31773 / MBKEUGENE ROTH, ESQConfirmation Hearing ScheduledContinued
5/13/2020 10:00 am
Debtor has made 7 of 8 required payments   Arrears: $736.00  Total Paid In: $5,152.00
AS OF 5/5/20 (SF) Updated
5-5 ar atty to update estate by 5-11

1. Trustee objection:

- The debtor has failed to file a feasible plan
- The confirmation order must include language that provides for the turnover of all non-exempt proceeds from the estate of John Edward Smith
- Also need documents from the estate.

2. Trustee Supplemental objection
- Debtors must provide copies of Will and/or Letters of Administration and an accounting of the Estate of Mr. Smith for which the co debtor is a beneficiary and has a 25% interest.

***(Per letter from from Jerry Dasti, Administrator of the Estate, The correct name of the Estate is John E. Smith. Still need copy of Will as the debtor's name does not appear in any of these documents. The administrator was to also provide an accounting/inventory to the Court of assets which was not included. He also states that the Decedent's home may need to be sold. No information provided about the home)***


Plan proposes $736 x 60 Base
Payments: 5/6 Arrears: $736

RESOLVED ISSUES:

- Objection filed by Freedom Mortgage Corporation (Phelan) - failure to pay arrears of $33,331.61 (obj resolved if atty agrees to pay higher POC amount ... no order needed per Spivack)OK to pay

-. ACAR leasing filed a claim with zero arrears. They were not assumed in the plan so they will be deemed rejected OK

- There is non-exempt equity of $17,107 in real estate. Attorney needs to amend Schedule C.( MK:Filed(#22)- takes (d)(1) of 19,486.59. (MOOT)

-. Must file pre-confirmation certification. (FILED)
- Amended schedules A,B & C were filed 3/12/20. Schedule B #25 lists co debtor's 25% interest in the Estate of William Smith and valuation of -0-. Prior information provided to the Trustee indicated the co debtor's interest was in the Estate of John Edward Smith and the Language in the Plan that referred to William Smith was a typo. The Trustee requests clarification on the correct name of the estate (AMENDED)

- (William Smith in Plan is a
Matter ResolvedRequest
Adjourment
1105/5/2020 10:00 am19-31823 / MBKPETER E ZIMNIS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 8 required payments   Arrears: $1,100.00  Total Paid In: $2,360.00
ISSUES AS OF 4/27/2020 (DM): Updated 5/4/20

***Atty has uploaded proof that $1,200 in in transit. TRUSTEE CAN RECOMMEND CONFIRMATION AT $1,160 PTD, $1,200 BY 5/15/20, THEN $550 x 54 STARTING 6/1/2020, BASE PLAN; ADD TO CONFIRMING ORDER: TRUSTEE IS AUTHORIZED TO PAY LATE POC (7-1) IN THE AMOUNT OF $19,728, TRUSTE IS AUTHORIZED TO PAY SECURED POC (4-1), POC (5-1) AND POC (6-1)***

1) Trenton Water Works filed $1,459.45 secured claim not treated in plan (OKAY TO ADD?? - PER ATTY, OKAY TO PAY).

2) MTAG Custodian and City of Trenton Tax Collector both filed claims for Tax Sale Cert #19-1724 not treated in plan -- one of these claims must be withdrawn and the other added to confirming order (PER ATTY, BOTH NEED TO BE PAID BECAUSE THEY ARE FOR DIFFERENT QUARTERS).

3) Plan provides treatment to Better Community Housing of Trenton - creditor filed $19,728 late claim (ADD TO CONF ORDER THAT TRUSTEE IS AUTHORIZED TO PAY THE LATE CLAIM).


Prop. Plan $550 x 60, Base
PTD 2/5 = $1,160
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
1115/5/2020 10:00 am19-31971 / MBKDaniel Straffi, Esq.Confirmation Hearing on Modified PlanContinued
7/14/2020 10:00 am
Debtor has made 8 of 8 required payments   Arrears: $0  


ADJ PEREMPTORY
MP TO BE FILED AN ANY MFR WITH 7-1 RETURN DAT
AR 3 OF 6 REC DISM
AS OF 4/30/20 (SF) - BELOW ISSUES STILL APPLY

1. Objection filed by Bank of America (Frenkel, Lambert, Weiss) - failure to pay arrears and speculative sale (384 5th Street)

2. Objection filed by Bank of America (Stern & Eisenberg) - failure to pay arrears and speculative sale/refi (384 N. 4th Street)

3. Commercial Credit Group Inc filed secured judgment claim for $108,435.27 which is not addressed in plan

4. Objection filed by Commercial Loan Investment VII, LLC (Drake Loeb PLLC) - failure to pay total debt claims for 1st and 2nd mortgages of $477,322.38 and $354,530.77 (matured 9/30/19), make post-petition payments and for filing infeasible plan (715 Old Shore Road)

5. Bank of America filed arrears claim 8-1 for $1039.59 (OK TO PAY?)

6. Commercial Loan Investment filed total debt claim 10-1 for $354,530.77 (not in plan)

7. Commercial Loan Investment filed total debt claim 11-1 for $477,322.38 (not in plan)

8. 713-715 Old Shore Road is the business property which is to be sold. Not sure if plan is feasible as no information provided as to the ownership or value

9. Trustee objection:
- The debtor has insufficient income .
- Need a Modified Plan that gives date when sale of business property to be done.
- There is non-exempt equity on real property $199,980.89
- The confirmation order must include language that provides for the turnover of all non-exempt proceeds from the personal injury claim.


Plan proposes $300 x 60 100% Sale of 713-715 Old Shore Road within 1 year and sale/refinance of 384 N. 5th St by 12/1/20
Payments: 3/5 Arrears: $600
Matter ResolvedRequest
Adjourment
1125/5/2020 10:00 am19-32133 / MBKDAVID E. SHAVERConfirmation Hearing - Order Vacate Dismissal of CaseContinued
7/8/2020 10:00 am
Debtor has made 8 of 8 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1135/5/2020 10:00 am19-32601 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 1 of 7 required payments   Arrears: $0  

5/4/20 (SF) - PER ATTY, OK TO DISMISS/HOLD FEES

As of 5/1/20 (DS): Debtor attorney requested adjournment, request denied, only made 1 payment in January out of 5.

As of 4/29/20 (DS): 1. Debtor in arrears $450, made 1 out of 4 payments.

2. State of NJ Division of Employer Accts filed bifurcated claim, priority $201.57 and unsecured $103.42, not in plan, claim needs to be resolved.

3. BELOW ISSUES NOT RESOLVED.

2/18/20 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income to cure mortgage arrears within 5 years.
- Debtor has failed to file a feasible plan.
- Arrears claim filed by PNC Bank, Plan list as outside and unaffected. Is this to be paid? Plan will not be feasible.
- Plan proposes an order of distribution that is contrary to Trustee's recommended order of distribution and does not provide for equal monthly payments as required by 1325(a)(5)(iii)(l).
- Must resolve creditor objection.

2. PNC obj arrears not in plan, POC filed for $23,881.41. Obj must be resolved.

Prop Plan $150 x 36 Base
Matter ResolvedRequest
Adjourment
1145/5/2020 10:00 am19-32765 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 7 required payments   Arrears: $347.00  Total Paid In: $3,237.00
AS of 5/4/20(mk): Updated x2- atty ok to terms

***CAN REC. CONFIRM AT $2,378 PTD, THEN $603 x 55, BEGIN 6/1/20; 0%; the estimated priority portion of clm #9-1 will be paid in the plan to The St. Of NJ- Div. Of Tax in the amount of $603.67. Any overpayment by the Trustee as a result of an Amended Claim shall only be refunded to the Trustee and not directly to the debtor; must file pre conf cert w/in 10 days**


. Objection by Consumer Portfolio(Bernstein):Per creditor resolved- COTBS=pay POC interest at 5.75%- 22,268.68 350 atty fees to creditor per the CO
- obj to Kia cram

2. Trustee Objection:
-need Updated auto insurance, insurance expires 4/8/20, if not confirmed by 5/5/20.
- current Plan does not specify treatment of State
of NJ Division of Taxation claim for $603.67 under the Plan.(PER ATTY - PAY & add lang to order)
- Must resolve State of NJ estimated claim.
-need amendments to Schedules C to pick either the federal or state exemptions.(Filed)
- Must resolve creditor objection.
- Must file Pre-confirmation certificate.


Plan: 599 x 60,O%
payments:4/4
last claim 25-1,bar date 2/13/20
Matter ResolvedRequest
Adjourment
1155/5/2020 10:00 am19-32893 / MBKPETER E ZIMNIS, ESQConfirmation Hearing ScheduledContinued
5/19/2020 10:00 am
Debtor has made 4 of 7 required payments   Arrears: $0  
Total Paid In: $2,350.00

AR PER MBK DISALLOW 250 TAX DEDUCTION ***hold for issue re prorated taxes owed on returns - ADJ BY MBK TO 5/19/20 TO WORK UP WITHOUT DEDUCTION***
AS OF 5/4/2020 (at):

1. Ally Capital filed a secured claim #3 in the amount of $616.31 (2011 Dodge Dakota). Is the debtor going to move against this claim? Per testimony at the 341, this truck was repoed) (STAY RELIEF GRANTED 3/13/20 - add surrender to conf order)

2. Bank of the West filed a stay motion for a 2011 Open Range Sedonna RV which is scheduled for 2/18/20. Creditor is not on schedule D or addressed in the plan and the RV is not listed on Schedule B. (STAY RELIEF GRANTED 2/21/2020 - RV repo before the case was filed - no POC filed)

3. Objection filed by Lakeview Loan Servicing (Arkema) - debtor has insufficient income to cure arrears and plan lists arrears at $0. POC filed. (PAY PER POC - NEED ORDER RESOLVING - OTBS ot pay per poc)

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
Domestic Support Obligation information . Need proof of Court-ordered support payments of $1082 per Schedule J. (RECEIVED)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Need proof of $1800 babysitting cost on Schedule J. (RECEIVED)
- Need proof of $250 Taxes on Schedule J. (REMOVED FROM EXPENSES)
- The current Plan does not specify treatment of Ally Financial under the Plan. (STAY RELIEF GRANTED)
- File pre-confirmation certification. (FILED)

Plan proposes: $240 x 36, base
Payments: 5/5
Matter ResolvedRequest
Adjourment
1165/5/2020 10:00 am19-32917 / MBKDaniel E. Straffi Confirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $400.00  
issues as of 4/23/2020

1) Wells Fargo Bank (Phelan) objection to confirmation - need to resolve
-arrears $60,955.91
2) Sixty Acre Reserve Condo Association (McGovern) objection to confirmation - CONSENT ORDER FILED - $12,601.14 SECURED CLAIM TO BE PAID THROUGH PLAN, UNSECURED PORTION IS $8,703.81
-claim not treated in plan
-secured portion of claim is $12,601.14, unsecured $8,702.81
3) CVI SGP-CO Acquisition Trust filed secured claim 7 (Sterling Jewelry) in the amount of $571.39 - either pay claim through plan or move against claim
4) Lincoln Automotive Financial Services (2019 Lincoln MKC) filed secured claim 1-1 with arrears in the amount of $449.67 - plan does not propose payment of arrears - either pay arrears through plan or move against claim
4) Trustee objection to confirmation - need to resolve
-need a copy of the last filed tax return 2018 and the 2019 return by 5/31/2020
-need a copy of the homeowner's insurance renewal declaration, policy provided expired 1/29/2020 PROVIDED
-need Amendment to Schedule I to remove unemployment and update as appropriate
-the current Plan does not specify treatment of CVI SGP/Sterling Jewelers for $571-39 under plan
-case needs to be a base plan due to the loan modification
-arrears claim filed by Lincoln Automotive for $449.67, not in plan, listed outside
-must resolve creditor objection
5) Not current with Trustee plan payments to date, arrears $400

proposed plan $400x60 0% plan loan mod 7/1/2020
paid in $800
arrears $400
last claim 11-1
Matter ResolvedRequest
Adjourment
1175/5/2020 10:00 am19-33186 / MBKStephen M. Zullo Confirmation Hearing ScheduledConverted to 7 / 11Debtor has made 2 of 7 required payments   Arrears: $0  

As of 4/23/20(mk): PLAN DOES NOT APPEAR FEASIBLE DUE TO INSUFFICENT INCOME & UNRESOLVED OBJ.


1. Objection by New rez/Shellpoint(KML):
-fails to pay arrears- LM speculative

2. NJ DIV OF TAX- Filed ESTIMATED Priority POC- 2016-2018 taxes. Needs resolution.

3. IRS filed POC $606.79- OK TO PAY?

4.Trustee Objection:
-debtor has insufficient income need income for the 6 months before filing from all
sources, information provided is not enough to support proposed plan payment.(2/4/ payments as of 4/23/20- last pay 2/11/20)
-need copy of 2018 tax return & 2019 return by 8/15/20.(Still Need)
-need auto insurance renewal, policy provided expired 2/14/2020(Still Need)
-must file pre conf cert.




Plan:MP (#20) 566/60, LM: 2707 PACKER CT BY 4/15/20, BASE
Payments: 2/4
last claim:8-1, bar date:2/21/20
Matter ResolvedRequest
Adjourment
1185/5/2020 10:00 am19-33210 / MBKJames J. Cerbone Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 7 required payments   Arrears: $1,411.00  Total Paid In: $17,721.00
As of 4/29/20 (DS): If obj resolved with Citibank to pay POC arrears, need to confirm at $2,330 x 5 begin 1/1/20, $3,741 x 55 begin 6/1/20 100% to gucs and non-exempt proceeds from PI lawsuit

2/18/20 (DS): 1. Citibank obj arrears owed $180,476.34, POC filed 2/14/20, plan has $123,218. Arrears is much higher. Obj must be resolved with creditor.

Prop Plan $2,330 x 60 100%
Matter ResolvedRequest
Adjourment
1195/5/2020 10:00 am19-33242 / MBKCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 6 of 7 required payments   Arrears: $66.00  Total Paid In: $3,584.00
4/27 Workup for the 5/5 calendar-- Spouse case was dismissed.

COMPROMISE AND CONFIRM AT: $2283.79 paid then 650 x 56 beg 5/1/20 pro rata-student loans outside- updated POI and I & J in 6 months. surrender Matawan property.


MP filed--$425.00 per month for 4 months, then $583.79 per
month for 56 months BEG 4/1

**remaining issues: need proof of service on cramdown(done), need proof of lease payment of $3000 monthly(done 3300), we get $768 monthly income if add tax refund (we can compromise at $650 going forward) if confirmed we need updated POI and I & J in 6 months..plan should say surrender Matawan property.

-may need to updated J since no more mortgage payment on foreclosed prop(DONE BUT NEED PROOF OF $3000 NEW LEASE)
1) The City of Trenton (Goldenberg) objection to confirmation - need to resolve
-claim $28,455 tax lien (OK TO PAY)
-New Rez LLC/Shellpoint Mortgage (Hill Wallack) objection to confirmation - need to resolve
-pre petition arrears $218,118(STAY LIFT)
Trustee objection to confirmation -
-need proof of 2 months income for non debtor spouse - PER SPOUSE FILING HIS MONTHLY INCOME IS $6491.56 (PROFIT $2824.90 SALARY $3666.66)----PER ATT UNEMPLOYED FOR BOTH BUSINESS AND CONSTRUCTION JOB AS OF 4/2020
-the Schedules fail to account for the debtors tax refund in the amount of $2,172 when determining disposable income(ADDED $181 MONTHLY)
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is non-exempt equity of $4,820/14 in HSBC bank account
-the debtor has failed to provide proof of service with respect to plan motions - need proof of service for Ajay Damarapu(STILL NONE)
-the rental property should be surrendered because no rent in being received(NOW $950)


proposed plan $300x2, $1100x58 refi by 3/2020, loan mod by 2/2020
paid in $600
last claim 4-1
Matter ResolvedRequest
Adjourment
1205/5/2020 10:00 am19-33268 / MBKEdward Hanratty, Esq.Confirmation Hearing on Modified PlanContinued
6/16/2020 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $300.00  
ISSUES AS OF 4/29/2020 (DM):

1) US Bank/PHH Mtg (RAS) OBJs - $10,611.84 arrears (OTBS - LOAN MOD BY 7/21/20).

2) Citizens Bank/Ditech (McCALLA) OBJs to cram - questions value of real estate (UNRESOLVED).

3) Trustee Suppl OBJ:
 Bar Date expired 2/24/20 and GUCs total $527,579.63 - results in 109(e) issue (UNRESOLVED).

4) Trustee OBJ:
 Need updated P&Ls (Dec was -5,999.00 & Jan was $50,000) - need Feb & March P&Ls to determine feasibility (UNRESOLVED).
 Need bank statements for First Bank of NJ - upload of Sept/Oct statements indicate acct was closed 11/2018 with no verification.
 Proof of income verifies higher - spouse's income was uploaded but not listed on Sch I.
 Need amended Sch I to add spouse income (UNRESOLVED).
 Need explanation for closing of prior business, P&W Designs, and then opening new business, Camelot Kitchen & Bath (UNRESOLVED).
 Need accountants valuation of business (RECEIVED VALUE FOR CAMELOT KITCHEN & BATH $100,000 VALUE)
 There is non-exempt equity in bank accts with First Bank of NJ ($12,535), AmeriTrade($1650)/TD Bank ($2,025), Lamendola Properties ($2,600), Office Furniture ($1,000), Tools ($1,000), Office Equipment ($28,374), and Showroom Displays ($2,500) - Basically these are assets on Sch B that are not exempted on Sch C - only 2 assets listed on Sch C.


***** ISSUES BELOW RESOLVED *****

- Need amended SOFA to add businesses (AMENDED).
- Need Business forms (RECEIVED).
- Need MP that removes Ditech as cram from Part 4d or removes from Part 4f (MP CORRECTS & CREDITOR OBJs).
- Plan treats Five Star Bank as secured - creditor filed an unsecured claim (MP AMENDS TREATMENT).
- Plan does not specify treatment of Car Max Auto for 2016 Ford Edge (MP TREATS AS SECURED UNAFFECTED).
- Need proof of auto insurance (RECEIVED - commercial auto policy provided - lists 6 vehicles).
- Need IRA statement with Invesco (RECEIVED).
- Need proof of security deposits with Lamendola Properties on Sch B for $2,600 (RECEIVED).
- Need proof o
Matter ResolvedRequest
Adjourment
1215/5/2020 10:00 am19-33450 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledConfirmedDebtor has made 7 of 7 required payments   Arrears: $0  
Total Paid In: $2,170.00
updated 5/4/2020

***ok to confirm at $310x36 begin 1/1/2020 0% plan***
- Add to conf order, need copy of 2019 Tax Return by 8/15/2020.sf

issues as of 4/24/2020

1) Trustee objection to confirmation - need to resolve
-need a copy of the 2019 tax return on or by 8/15/2020
-need a copy of unemployment income
2) current with Trustee plan payments

proposed plan $310x36 0% plan
paid in $1240
last claim 4
Matter ResolvedRequest
Adjourment
1225/5/2020 10:00 am19-33535 / MBKMARCIA Y. PHILLIPSConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 7 required payments   Arrears: $2,014.00  Total Paid In: $1,996.00
calculation emailed to atty
AS OF 5/5/20 (SF) UPDATED

RECOMMEND $1,995.55 PTD, $1007 X 43 (BEGIN 6/1/20) 100% PLAN W/ MIN $2300 TO GUCS PER EQUITY IN BANK ACCOUNT (48 MONTH PLAN)
- ADD TO CONF ORDER THAT HARLEY DAVIDSON IS SURRENDERED

***please work-up at 100%***
AS OF 4/27/20 (at):

1. Harley Davidson filed a secured arrears claim #7 for $724.20 which is not in the plan. Is it ok to pay this claim?

2. Objection filed by Harley Davidson (Stewart Legal) - plan is silent as to creditor or arrears. (UNRESOLVED)

3. Trustee's objection:
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- monthly disposable income on line 45 is $1,913 which requires minimum $114,780 dividend to general unsecured claims
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,195 when determining disposable income. (AVERAGED/ADDED TO INCOME)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- non exempt equity in Bank of America checking accounts $2,300

Plan proposes: $399.11 x 60, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
1235/5/2020 10:00 am19-33646 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $400.00  
4/29/20(mk); Atty to file MP w/in 7 days.
As Of 4/22/20(mk);

1. As of 4/12/20 Loss Mit has expired.

2. Objection by Deutsche Bank(Fein Such):
-plan fails to pay arrears- LM speculative.

3. Americredit/GM filed POC $1382.96- Plan has unaffected- OK TO PAY?

4. Wells Fargo filed POC $934.47- Plan has unaffected- OK TO PAY?

5. Trustee Objection: NEEDS TO ADDRESS EXCESS EXPENSES
-plan has excessive expenses:$780 tele/cell/internet/cable, $570 transportation, $300 entertainment, $385 health insurance
(need proof), $480 vehicle insurance- 4 cars
-Need Wells Fargo and Investors checking account statements for November.( Provided).


Plan:400/60, LM: 1901 PATERSON AVE BY 6/1/20, BASE.
Payments:4/4
last claim:15-1bar date:2/29/20
Matter ResolvedRequest
Adjourment
1245/5/2020 10:00 am19-33731 / MBKNICHOLAS FITZGERALD, ESQConfirmation Hearing ScheduledContinued
6/10/2020 10:00 am
Debtor has made 2 of 7 required payments   Arrears: $0  
Total Paid In: $1,563.00
AS OF 4/30/20 (SF)

RECOMMEND $750 PTD, $642 X 56 (BEGIN 5/01/20) 100% PLAN W/MIN $6010 TO GUCS
- OK TO PAY ARREARS CLAIM 6-1 FOR NATIONSTAR MORTGAGE

1. Nationstar Mortgage filed arrrears claim 6-1 for $157.80 (ok to pay?)

2. Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2018. (RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Electricity/Heat/Gas $1,150, Tele/Cell/Internet/Cable $525 and Car payment $652.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Income verifies higher, also due to excessive expenses there would be disposable income $2,542.85. (PENSION LOAN EXPIRES IN 23 MONTHS AND AN ADDITIONAL $758.39 WILL BE AVAILABLE) NEED 100% PLAN
- Must file Pre-confirmation certificate. (FILED)

Plan proposes $150 x 20, $525 x 16 Base w/min $6010 to gucs
Payments: 5/5

Matter ResolvedRequest
Adjourment
1255/5/2020 10:00 am19-33773 / MBKJOHN ZIMNIS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $450.00  Total Paid In: $2,700.00
As of 4/29/20 (DS): - Atty ok with terms.sf

Recommend confirming at $450 x 30 begin 1/1/20, $840 x 30 begin 7/1/22 pro rata dividend to gucs and Affinity FCU claim#8-1, shall be treated per the plan provision as current/outside and will not receive distribution on the secured or unsecured portions of Proof of Claim.

2/26/20 (DS): 1. Affinity Federal Credit Union filed bifurcated claim for 2018 Jeep Renegade with secured $13,500 and unsecured $11,001.66, no arrears, claim must be resolved.

Prop Plan $450 x 30, $840 x 30 Base
Matter ResolvedRequest
Adjourment
1265/5/2020 10:00 am19-34070 / MBKBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledContinued
6/10/2020 10:00 am
Debtor has made 4 of 7 required payments   Arrears: $0  

AR RESOLVE OR HOLD
AS OF 5/4/2020 (at):

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

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Domestic Support Obligation information . Barbara Blashinsky filed a priority claim for alimony for $32,660. (NOT RECEIVED)
- A copy of the last filed tax return - 2019 (NOT RECEIVED YET - DUE BY 8/31/2020)
- Need statements for the PSE&G and Metlife stocks. (NOT RECEIVED)
- Need statements for the 2 Northwestern whole life policies and Robinhood account. (RECEIVED 2 NORTHWESTERN STATEMENTS)
- Need his 2019 bonus check to factor into his income. (NOT RECEIVED)
- A Modified Plan that addresses priority alimony arrears. (MOD PLAN NOT FILED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$495/month for cable/internet/phone
$1,660/month for medical and dental
$1,485/month for health insurance
$650/month for life insurance
3 car payments
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Verified income leaves monthly disposable income of $2,233.00.
- Reviewed the 22C, monthly gross disposable income is $21,879. (November gross $108,487/11 = $21,879 and $1,317 for DSO income was missing). Line 16 (taxes) should be $1,945 (per deduction in pay stubs. Need proof if he's paying $2,632/month per P&L), Line 23 (Optional phone) needs documentation, and Line 24 (Health insurance) requires proof of $1,415/month. Per the 22C, monthly disposable income is $3,447 which requires a minimum dividend of $206,820 to general unsecured creditors.
- Need October and November Chase bank statements. (business) (RECEIVED)
- Need October and November bank stat
Matter ResolvedRequest
Adjourment
1275/5/2020 10:00 am20-10032 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $783.00  
As of 5/4/20 (DS): Debtor attorney requested adjournment, Debtor has chance of getting employment soon, but Covid made the interview process much more difficult.

As of 4/23/20 (DS): 1. Debtor in arrears $858, has not made payment since 1/15/20. Debtor's income is from IRA, Debtor is withdrawing funds to fund plan, but no payment made since 1/15/20.

2. Trustee obj to the following:
- There is non-exempt equity on real property $51,705.21, which would require 100% to gucs, total unsecured claims filed $962.63.
- Debtor has no source of regular income, just withdraws from IRA. Disposable income verifies $325.50.
- Must resolve Ravenscroft obj.
- Must file Pre-confirmation certificate.

3. Ravenscroft Condo Assoc obj not listed in plan to pay claim in full. Claim was filed as bifurcated, secured $23,293.26 and unsecured $565.37. Will need 100% to unsecured, due to non-exempt equity.

4. Need 2019 tax return, if not filed, can add to confirming order, once issues above resolved.

Prop Plan $868 x 60 $0
Matter ResolvedRequest
Adjourment
1285/5/2020 10:00 am20-10035 / MBKRALPH D TAWIL, ESQConfirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $0  
Total Paid In: $2,621.00
as of 5/4/20(mk):Updated

ADJ requested to complete service on Ally.


>>ONLY ISSUE LEFT IS PROOF OF SERVICE ON ALLY CRAM<<<

1.Objection by Pennymac(Fein Such): mk: CO Submitted to Chambers today -PAY POC
- plan fails to pay arrears- POC $32,412.89.

2.Trustee Objection:
-supple objection- NO PROOF OF SERVICE FOR ALLY CAPITAL CRAM .
-need clarification on payment to Lacey T'ship- 56 cents
must resolve Pennymac obj.(Resolved)
-------------------------------------------------
-need CMA . (NO Again- only Blank Doc Cover Sheet uploaded) Uploaded 5/1- median is 302,000- No Equity
-equity in the debtor's residence cannot be determined until a CMA or appraisal is provided to the trustee.>>Internet shows listed for sale at 299,990- Says SALE PENDING?<<<( Even at 299,900 the Mtg POC bal and exemption leaves no equity so not an issue anymore)
-need 2018 tax return- still they uploaded a blank doc submission cover sheet.(2019 provided)
-need 2019 tax return by 7/31/20.(Provided- refund 2882/12=240.16 added to income)
-need deed(Provided).



Plan: $489.39 X 60 BEG 2/2020; BASE
payments:3/3
last claim:11-1-bar date:3/12/20
Matter ResolvedRequest
Adjourment
1295/5/2020 10:00 am20-10232 / MBKMonika Mazurczyk Confirmation Hearing ScheduledContinued
5/13/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $2,376.00  Total Paid In: $11,850.00
Originally adjournment request denied - failed to obtain consent of objecting creditor-but now has consent will adjourn EDC
issues as of 3/4/2020

1) Citigroup Mortgage Loan Trust Inc (Powers) objection to confirmation - need to resolve
-approximate arrears $56,897.33
2) IRS priority and unsecured claim 4 is estimated - need to resolve
3) Trustee objection to confirmation - need to resolve
-need a copy of the homeowners insurance renewal declaration - not provided
-need an amendment to Schedule C to specifically state the dollar amount of all exemptions, 100% of fair market value is not sufficient RESOLVED, FILED AMENDED SCHEDULE
-the debtor has failed to provide proof of service with respect to plan motions - Cenlar/Citigroup second mortgage cram
-need amended schedules to remove 2017 Nissan car lease and add new lease when acquired

proposed plan $2361x60 base
paid in $2361
arrears $2361
last claim 5-1
Matter ResolvedRequest
Adjourment
1305/5/2020 10:00 am20-10253 / MBKJEANIE D WIESNERConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 6 required payments   Arrears: $1,904.00  Total Paid In: $3,346.00
4/29/20-mk-Updated-atty ok to terms-mk


**NEED TO CONFIRM AT $2,394 PTD, Then $952 x 57, Begin 5/1/20;Base;Distribution is per plan***
- Add to conf order need 2019 Tax Return by 8/15/20.sf

1. Bank of NY/Mellon(2nd mtg) filed POC arrears $526.98- OK TO PAY? PER ATTY-PAY

2. Fist Mtg ( MTGLQ) POC Higher at $45,355.59- PER ATTY -PAY

3. Chesterfiled T'ship POC higher at $1,332.42-Needs to be pd.-PER ATTY -PAY

4.Trustee Objection:
-need 2019 tax return by 7/31/20.
-plan has excessive expenses:$425/water/sewer/garbage;$350 cell phones;$433 entertainment.(7 Person HH-OK)
-Verified income leaves a monthly net balance of $869.76.
-Need to file Pre-Confirmation Certification.(plan pynt for 60 mos more than covers this)
-Order of distribution differs from Trustee standard order- per Atty- PER PLAN DISTRIB.


Plan:797 x 60;Base.
payments:3/3
last claim:15-1, Bar date:3/17/20
Matter ResolvedRequest
Adjourment
1315/5/2020 10:00 am20-10332 / MBKJOHN J HOPKINS, IIIConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

As of 4/21/20 (DS): 341 not held 3/26/20, must adjourn 341, then submit confirmation adjournment request
Matter ResolvedRequest
Adjourment
1325/5/2020 10:00 am20-10731 / MBKANDRE L KYDALA ESQConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 3 of 6 required payments   Arrears: $869.00  Total Paid In: $3,000.00
***ATTY TO EMAIL SF REGARDING STAY VACATE - CASE MAY BE READY TO CONFIRM - ADJ TO 6/24/20***
AS OF 4/30/20 (SF) - NEED PROOF OF HOMEOWNER'S INS.

1. IRS priority claim 5-2 is estimated . 2018 AND 2019 Returns missing. (NEED AMENDED CLAIM)

2. Objection filed by Lake Cushetunk Woods Condo Assoc (Glenford Warmington) - failure to pay claim

3. Lake Cushetunk Woods Condo Assoc. filed secured claim 8-1 for $33,347.08 which is not addressed in plan (OTBS TO PAY THE CLAIM AS ALL SECURED)

4. US Bank filed arrears claim 9-2 for $4184.15 which is not addressed in plan (OK TO PAY?)

5. Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2019 on or by 8/15/2020
- A copy of the homeowner's insurance renewal declaration - policy provided expired 3/21/2020 auto insurance, document provided was temporary 15 day coverage that expired 3/23/2020
- must file pre conf cert.


Plan proposes $600 x 60 Base
Payments: 2/3 Arrears: $600
Matter ResolvedRequest
Adjourment
1335/5/2020 10:00 am20-11515 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
6/16/2020 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

AS OF 4/30/20 (SF)

1. IRS priority claim is estimated (NEED AMENDED CLAIM)
2. Objection filed by 1st Constitution Bank (Neal Ruben) - failure to acknowledge claim or pay arrears of $980.76 and speculative sale
3. Motion for Relief by 1st Constitution Bank 4/8/20 (NEED ORDER RESOLVING)
4. Objection filed by JP Morgan Chase (Phillip Raymond) - failure to pay arrears of $7699.86 and speculative sale


Plan proposes $656 x 33 Base and Sale of Whitty Rd in 6 months
Payments: 4/4
Matter ResolvedRequest
Adjourment
1345/5/2020 10:00 am20-12106 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $176.00  Total Paid In: $4,867.00
AS OF 5/1/2020 (at):

RECOMMEND: $1,806 PAID TO DATE, $1,079 X 45 BEGINNING 5/1/2020, 100% TO GUC'S
Student loans will be paid outside of the plan.
Need an Amended Proof of Claim for the IRS within 60 days of confirmation.
Claim #15 filed by New Rez will be paid through the plan.

Trustee' objection:
The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - Need CMA for Club Wyndham Timeshare (NOT RECEIVED)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Income verifies at $2,553.33. Plan length can be shortened.
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 $697.50 in Timeshare.
- File pre-confirmation certification. (FILED)

Plan proposes: $903 x 60, 100% to guc's
Payments 2/3, arrears $903
Matter ResolvedRequest
Adjourment
1355/5/2020 10:00 am20-12393 / MBKDaniel I. Rubin Confirmation Hearing on Modified PlanConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $1,609.00
AS Of 4/24/20(mk):


***CAN REC CONFIRM AT $311 x 36, Begin 3/1/20;100% w/ min div. of $14,356.68 due to NE Equity in RE; Creditor ,PC 4 LCC ,to be paid claim amount of $3,993.92 as a secured claim through the Plan.***

fyi: plan will end early as bar date has passed. & No atty fees in plan is correct- central Jersey legal services


1. Objection ByPC4 LLC(Fossi): Resolved-MP PAYS POC AMT.

2. Trustee Objection:
-need copy of the homeowner's insurance renewal declaration that provides liability coverage.(Provided).
-need information regarding the cash surrender value of the whole life policy(Provided)
-there is $14,356.68 in non-exempt equity in the residence. (Plan is 100%- bar date passed-total claims =4345.27.
-MP has Trustee std order of distribution.
-need to file Pre-Confirmation Certification.(Filed)




Plan:311 x36,100%
Payments:2/2
Last claim:2-1, bar date:4/23/20
Matter ResolvedRequest
Adjourment
1365/5/2020 10:00 am20-12513 / MBKAllen I. Gorski, Esq.Confirmation Hearing on Modified PlanContinued
5/19/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $2,000.00  Total Paid In: $18,000.00
***MBK - ADJ TO 5/19/20 FOR WORK-UP - ADD TO CONF ORDER - CLEARVIEW MAY FILE CERT OF DEFAULT (30 DAY) FOR TRUSTEE PYMT OR POST PETITION REAL PROPERTY TAXES
ADD TAX APOC BY 60 DAYS

As of 5/4/20(mk):updated

>>Debtor atty email attach proof of another 1,000 towards May TR Payment. Will post 5/5/20.

1. Motion To Extend stay on today.,5/5/20.NEED RESULT.

2.Cross Motion For Stay Relief by Clearview on today 5/5/20. NEED RESULT.

3.IRS Filed ESTIMATED PRIORITY POC for 2019 Amt of 5,393.00- Return was provided and debtor had to pay $- NEED AMENDED POC

4.Trustee Objection: Still Need above line
-plan payment 4,000p/m- as of 5/4/20- arrears 4300 which is balance of may payment.
-need December and January bank statements for 2 Credit Union savings accounts.
-Verified income leaves monthly disposable income of $5,569.59.(includes SS income)
-There is $4,405 in non exempt equity is cars and bank accounts.( will protect T/H in conf lang.)
----------------------------------------
need proof of insurance for the 1969 Harley, 1969 Camaro and 1989 Chevy van.(341 testimony said inoperable.)
-Need proof of service on State of NJ for cram down.(filed).
-need CMA for Merline Ave.(Provided)
-need 2019 tax return by 8/15/20.(Provided).
-Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan.Added tp conf. language.



Plan:4000 x 60 pd to date,Base
payments:2/3
last claim:5-1, bar date:4/24/20
Matter ResolvedRequest
Adjourment
1375/5/2020 10:00 am20-12673 / MBKBarry Scott Miller Confirmation Hearing ScheduledDismissedDebtor has made 0 of 5 required payments   Arrears: $0  

AS OF 5/4/20(mk)

-no 341 date yet . Some docs supplied. NO PAYMENTS as of 8:16 PM am on 5/4/20. See notes below.

--adj to 5/5/20 at 10:00AM--Debtor is to be current and all docs to our office and 341 scheduled by that time or else it will be dismissed on 5/5. If current and we receive the docs then I will adjourn conf

AR PLS HOLD OF INS MAY COME IN 4-23
AR NEED PROOF OF INSURANCE AND PLAN FOR $
MK;4/21/20: adj requested: DENIED- no payments & no 341- only 1 doc uploaded. Atty will call into Ct Solutions- Debtor lost job due to COVID - atty 'soffice has had some issue in office that hampered uploading of docs.

341 LISTED FOR 4/30/20-- BUT WILL NOT BE HELD AS MISSING DOCS


1. No Payments.
2. Obj. By Bayview Loan(Shiller,Knapp)
Matter ResolvedRequest
Adjourment
1385/5/2020 10:00 am20-12968 / MBKKirsten B. Ennis Confirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $250.00  
AS OF 4/29/20 (SF) - Copy of casiher' check in the amount of $500 provided. Creditor consents.

1. 341 NOT HELD - RESCHEDULED FOR 5/14/20
2. NO PAYMENTS: 0/2 ARREARS: $500
Matter ResolvedRequest
Adjourment
1395/5/2020 10:00 am20-13003 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

issues as of 4/23/2020

1) Trustee objection to confirmation - need to resolve
-need a copy of the 2019 tax return by 8/15/2020
-need 401k loan statement
-the debtors plan consists of unnecessary or excessive expense items, such as $525 telephone/cell/internet; $659 vehicle insurance; $755 car payment; $200 entertainment; $150 pet care
-the debtor is not paying all disposable income into the plan -income documentation verifies higher $56,570.14 than scheduled amount $6,351.18
-Form 122c Line #16 tax deduction should be reduced by the $523.92 pro rated tax refund
-Form 122c Line #34 cure amount should be reduced from $100,000 to $25,000 to coincide with the Plan
-the Schedules fail to account for the debtors tax refund in the amount of $6,287 when determining disposable income
-the circumstances and contents of the debtor's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. 1325(a)(3)
-debtor is seeking a loan modification to be completed by 9/30/2020, therefore the Plan should not be proposed at 0%
-debtor's counsel needs to file a fee application within 7 days confirmation
2) Metropolitan Life Insurance Company/Shellpoint Mortgage filed secured claim 14 with arrears in the amount of $882.04 - plan does not provide for payment of arrears - need to resolve
3) Toyota Financial Services filed secured claim 15 for 2014 Honda Pilot with arrears in the amount of $1,510 - plan does not provide for payment of arrears - need to resolve

proposed plan $600x60 loan mod by 9/30/2020 0% plan
paid in $1200
last claim 17
Matter ResolvedRequest
Adjourment
1405/5/2020 10:00 am20-13005 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 0 of 5 required payments   Arrears: $0  

AS OF 5/4/20 (SF) - PER ATTY, OK TO DISMISS/HOLD FEES
Matter ResolvedRequest
Adjourment
1415/5/2020 10:00 am20-13014 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 1 of 5 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1425/5/2020 10:00 am20-13030 / MBKANDREW B FINBERG ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $200.00  Total Paid In: $800.00
AS of 4/22/20(mk):

***REC CONFIRM AT 200 x 48 Begin 3/1/20; Base***


Plan :$200 x 48 BEG 3/20; BASE
payments:2/2
last claim:2-1;bar date;5/4/20
Matter ResolvedRequest
Adjourment
1435/5/2020 10:00 am20-13059 / MBKMOSHE ROTHENBERG, ESQConfirmation Hearing ScheduledContinued
6/10/2020 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $200.00  
As of 5/4/20 (DS): Debtor attorney requested adjournment and provided proof of money order $200
Matter ResolvedRequest
Adjourment
1445/5/2020 10:00 am20-13062 / MBKSTACEY L MULLEN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $5,129.00
AS OF 4/29/2020 (at):

RECOMMEND: $2,000 PAID TO DATE, $1,043 x 58 BEGINNING 5/1/2020, 100% TO GUC'S
Cenlar will be paid arrears of $51,981.42 as per their objection and the order resolving same.
Need order resolving objection by Cenlar within 30 days of confirmation
Preserve non exempt equity in real estate of $36,120.00.

1. Objection filed by Cenlar/Citimortgage (Stern Lavinthal) - failure to cure full arrears of $51,598.42 (OTBS - PAY PER OBJ 4/28/20)

2. Trustee's objection:
(1) The objection of Cenlar must be resolved (RESOLVED)
(2) The plan must remain 100% due to equity in the debtor's residence (LANGUAGE ADDED)

Plan proposes: $1,000 x 60, 100% to guc's
Payments: 2/2
Matter ResolvedRequest
Adjourment
1455/5/2020 10:00 am20-13099 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $300.00  
As of 4/22/20 (DS): 1. Trustee obj to the following:
- Need March and April proof of income from non-filing spouse, updated auto insurance, insurance expired 3/2020, proof of 2nd mtg lien, proof of rent paid on Manahawkin property.
- Plan includes a loan modification and cannot be 0%. Must be a base.
- Must file Pre-confirmation certificate.

2. Bank of America obj arrears not paid and loan mod. Obj must be resolved (OTBS).

3. Secured claim filed for leased 2015 Chevy Cruza, not listed on Schedule G and J or plan (ADD SURRENDER).

4. Must resolve IRS estimated claim, 2019 tax return not filed.

Prop Plan $300 x 36 $0 and Loan Mod with Carrington on Savannah Dr by 6 months after conf
Note: Service ok.
Matter ResolvedRequest
Adjourment
1465/5/2020 10:00 am20-13102 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledContinued
6/2/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $0  

issues as of 4/23/2020

1) Kriegman & Smith, Inc (Landolfi) objection to confirmation - need to resolve
-failure to provide a prompt cure
-rental arrears through 2/2020 $3,870.12
2) Trustee objection to confirmation - need to resolve
-need Domestic Support Obligation information
-need a copy of 2019 tax return by 8/15/2020
-need proof of $600 DSO payment on Schedule J
-the current plan does not specify treatment of American Honda Finance
-the plan fails to provide for prompt cure of rental arrears
-the debtor's plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution

proposed plan $150x60 base plan
paid in $150
arrears $150
last claim 3
Matter ResolvedRequest
Adjourment
1475/5/2020 10:00 am20-13107 / MBKSTEVEN N. TAIEB, ESQ.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $2,300.00
AS OF 4/29/20 (SF)

RECOMMEND $460 X 60 (BEGIN 3/1/20) 0%
-CONFIRM WITH TRUSTEE STANDARD ORDER OF DISTRIBUTION


1. Trustee objection:
- Updated auto insurance, if not confirmed by 5/5/20, insurance expires 5/12/20.
- Amendments to Schedules B and C to correct Make and years, per auto insurance 2002 Dodge Dakota and 2008 Chevy Malibu (AMENDED)
- Must file Pre-confirmation certificate (FILED)
2. Confirm with Trustee Standard Order of Distribution

Plan proposes $460 x 60 0%
Payments: 2/2
Matter ResolvedRequest
Adjourment
1485/5/2020 10:00 am20-13114 / MBKDANIEL L. REINGANUMConfirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

As of 4/22/20(mk):



1. Wells Fargo(Empire Today ) Filed a POC (4-1)for sec & unsecured. NEED TO KNOW TREATMENT FOR THIS BIFURCATED CLAIM?

2. Trustee objection: ALL UNRESOLVED
-need copy of homeowner's insurance renewal declaration - what was provided expired 2/17/20.
-need proof of insurance for 2015 Toyota Corolla.(not on dec page provided)
-As of now, based upon the CMA provided, there is $8,499 of non exempt equity in real
property. No claim filed yet.
-No proof of service for lien avoidance of Judgment lien of Deborah Lawrence

Plan:375 X 60 BEG 3/20; 0%
payments:2/2
last claim:4-1, bar date:5/5/20
Matter ResolvedRequest
Adjourment
1495/5/2020 10:00 am20-13164 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/2/2020 10:00 am
Debtor has made 2 of 5 required payments   Arrears: $1,241.00  
AS OF 4/22/20 (at):

1. The IRS filed an estimated claim #6 which needs to be resolved/amended.

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 - 2019 by 8/31/2020. (NOT RECEIVED)
- Need current car insurance policy. (NOT RECEIVED)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Verified income leaves monthly disposable income of $1,449.11.
- Per the 22c, monthly disposable income would require a minimum dividend of $98,520 to general unsecured creditors.
Need to file Pre-Confirmation Certification.

Plan proposes: $500 x 60, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
1505/5/2020 10:00 am20-13182 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 6 of 5 required payments   Arrears: $0  

As of 4/21/20 (DS): 341 sched 5/21/20, must submit confirmation adjournment request.
Matter ResolvedRequest
Adjourment
1515/5/2020 10:00 am20-13275 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

issues as of 4/23/2020

1) 341 hearing not held, not rescheduled
2) Current with Trustee plan payments
3) CSMC 2019-JR1 Trust (Frenkel Lambert) objection to cram - need to resolve
4) Need to file Pre Confirmation Certification with Court
Matter ResolvedRequest
Adjourment
1525/5/2020 10:00 am20-13301 / MBKPETER E ZIMNIS, ESQConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $0  

AS OF 4/29/20 (SF)


1. MUST REQUEST ADJOURNMENT OF CONFIRMATION HEARING
2. 341 NOT HELD - RESCHEDULED TO 5/7/20
3. PAYMENTS: 2/2
Matter ResolvedRequest
Adjourment
1535/5/2020 10:00 am20-13314 / MBKMARCIA Y. PHILLIPSConfirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $0  

PROOF OF CAR IS BY 5-6 -20
SVH 341
issues as of 4/22/2020

1) 341 not held, not rescheduled -to date Trustee has not received required documents for hearing to be held
2) No Trustee plan payments to date, arrears $500
Matter ResolvedRequest
Adjourment
1545/5/2020 10:00 am20-13424 / MBKRICHARD D CERRI ESQConfirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 1 of 5 required payments   Arrears: $1,084.00  
341 now on for 5/7/20.NEEDS A REQUEST TO ADJ THIS CONF HEARING.
Matter ResolvedRequest
Adjourment
1555/5/2020 10:00 am20-13452 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 5 required payments   Arrears: $0  

$500 has been mailed
AS OF 4/22/20 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. Objection filed by US Bank/PHH Mortgage (RAS Citron) - debtor filed a sale plan but has provided no evidence of efforts to sell the property.

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - (updated-debtor is looking for new job due to COVID crisis (NOT RECEIVED)
- A Modified Plan that provides for a base dividend. Cannot be 0% it's a sale plan (MOD PLAN NOT FILED)
- Trustee to receive all non exempt proceeds from sale of property (LANGUAGE ADDED)
- Schedule J does not include mortgage payment (NOT AMENDED)

Plan proposes: $500 x 36, $0 to guc's, sale of residence within 6 months of confirmation
Payments: 0/2, arrears $1,000
Matter ResolvedRequest
Adjourment
1565/5/2020 10:00 am20-13468 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 5 required payments   Arrears: $1,342.00  Total Paid In: $1,300.00
As of 5/4/20 (DS): Ok to confirm at $300 x 3 begin 3/1/20, $871 x 57 begin 6/1/20 minimum dividend $4,000 to gucs, Loan mod with Kirland by 6/1/20 (arrears to be paid pending loan mod) and Debtors to provide 2019 tax return no later than 8/15/20

1. Trustee obj to the following:
- Debtors made a $4,000 payment to an insider within 90 days of filing bankruptcy. PER EMAIL FROM ATTORNEY OK WITH TERMS
- Must provided 2019 tax return no later than 8/15/20.

2. Kirkland Financial obj filed arrears owed more and Loan mod, POC filed arrears $37,049.91. Obj must be resolved. PER EMAIL FROM LEBRON OBJ RESOLVED, LOAN MOD BY 6/1/20 AND THE CLAIM WILL BE PAID PENDING APPLICATION.

Prop Plan $300 x 12, $700 x 48 Base and Loan mod on 6th Ave by 6/1/2020
Matter ResolvedRequest
Adjourment
1575/5/2020 10:00 am20-13474 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $1,812.00  
Matter ResolvedRequest
Adjourment
1585/5/2020 10:00 am20-13510 / MBKROBERT H JOHNSONConfirmation Hearing ScheduledContinued
8/4/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

341 now on for 5/21/20
Matter ResolvedRequest
Adjourment
1595/5/2020 10:00 am20-13532 / MBKSTEVEN J ABELSON, ESQConfirmation Hearing ScheduledDismissedDebtor has made 0 of 4 required payments   Arrears: $0  

issues as of 4/23/2020

1) 341 not held, not rescheduled
2) No Trustee payments to date, arrears 41,323
3) Need to file Pre Confirmation Certification with Court
Matter ResolvedRequest
Adjourment
1605/5/2020 10:00 am20-13547 / MBKJONATHAN GOLDSMITH-COHEN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $3,220.00
AS OF 4/29/20 (SF)

RECOMMEND $805 X 60 (BEGIN 4/1/20) 100% PLAN
- MUST PROVIDE COPY OF BANK STATEMENT FOR SPOUSE WITHIN 30 DAYS
- MUST FILE PRE-CONFIRMATION CERT WITHIN 15 DAYS
- MUST FILE FEE APPLICATION TO APPROVE HOURLY FEE OF $$5110 WITHIN 7 DAYS OF ENTERED CONF ORDER
- PROVIDE COPY OF 2019 TAX RETURN BY 8/15/20



1. Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2019 by 8/15/20
- non filing spouse bank account
The Schedules fail to account for the debtor(s) tax refund in the amount of $3337 when determining disposable income. (REQUIRES 100%)
-confirmation fee application must be filed within 7 days of confirming order, per disclosure filed received $5,110 to date
-must file pre confirmation cert.


Plan proposes $805 x 60 Base
Payments: 2/2
Matter ResolvedRequest
Adjourment
1615/5/2020 10:00 am20-13548 / MBKJONATHAN GOLDSMITH-COHEN, ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 0 of 4 required payments   Arrears: $0  

AS Of 4/22/20(mk): PER ATTY - Dismiss Case


1. Payments are 3,160 per mo. ONLY Rec'd $200 payment in March.

2. Objection by Loancare(Stern & E):
-plan fails to cure arrears & pay PPP.(NO POC filed yet- plan has unaffected)

3. IRS filed ESTIMATED POC- for Priority amt(9,294.80- no return for 206 & 2019) & a fixed amt for secured $66,457.72

4. Trustee Objection:
-need 2019 tax return by 8/15/20
-need accounting of of mother's (Lucille Dellert)estate.
-need amendment to SOFA to list business.
-As of now,there is non-exempt equity on real property,($19,622.00) estate of mother ( unknown & pending receipt of an accounting)- debtor was sol beneficiary)& personal assets of $13,587.00 (business equip -exemption =$11,587), checking acct ($1500)and Ameritrade)$500).PLUS Value of any estate assets.
- Must resolve creditor objection.
- Must file Pre-confirmation certificate
------------------------------------------
-need Valuation of business assets.(Provided).
-plan has excessive expenses:Transportation $846 and storage space $284.(plan is 100%)
-need copy of Will of debtor's mother( lucille Dellert( Provided)
-122c has disposable income $1,153.23, which would require minimum dividend $69,193.80 to
gucs and income verifies high. May be moot, plan propose 100% to gucs
-Schedules fail to account for tax refund in the amount of $2025 for 2018,
and 2019 amount unknown when determining disposable income.

Plan:3,160 x 60 100% and non-exempt estate proceeds .
payments:part of 1 payment- arrears 2,960
last claim:4-1, bar date:5/11/20
Matter ResolvedRequest
Adjourment
1625/5/2020 10:00 am20-13549 / MBKJONATHAN GOLDSMITH-COHEN, ESQConfirmation Hearing ScheduledContinued
6/2/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $2,271.00
AS OF 4/22/20 (at):

Trustee's objection:
- The debtor has insufficient income Income verifies at $1332.51.
The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - and evidence of estate valuation for the property. (NOT RECEIVED)
- A copy of the last filed tax return - Need copy of 2019 Tax Return by 8/15/20. (RECEIVED)
- Need copy of Will for the Estate of Audrey Makely. (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 71,558.79 in real estate.
1. File pre-confirmation certification. (NOT FILED)
2. Need breakdown of how line 41 on 122C was calculated. (NOT RECEIVED)
3. Need a accounting from estate of Audrey Makely. (NOT RECEIVED)
4. Any non exempt equity from debtor's share i the estate of Audrey Makely to be paid over to the Trustee.

Plan proposes: $500 x 12, $2,130 x 48, base, sale of residence by 3/1/2021
Payments: 1/1
Matter ResolvedRequest
Adjourment
1635/5/2020 10:00 am20-13554 / MBKJOHN ZIMNIS, ESQConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $2,000.00
As of 4/30/20 (DS): Debtor attorney requested adjournment, 341 sched 5/7/20
Matter ResolvedRequest
Adjourment
1645/5/2020 10:00 am20-13558 / MBKJOHN ZIMNIS, ESQConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,005.00
4/22/20 - debtor filed application for telephonic 341 Meeting appearance - obj deadline is 4/29/20.

issues as of 4/23/2020

1) 341 not held, rescheduled for 5/21/2020 - need adjournment of confirmation hearing
2) current with Trustee plan payments
Matter ResolvedRequest
Adjourment
1655/5/2020 10:00 am20-13559 / MBKJOHN ZIMNIS, ESQConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,100.00
4/30/20 -

AS OF 4/29/20 (SF)

1. MUST REQUEST ADJOURNMENT OF CONFIRMATION HEARING
2. 341 NOT HELD - RESCHEDULED TO 5/14/20
3. PAYMENTS: 1/1
Matter ResolvedRequest
Adjourment
1665/5/2020 10:00 am20-13601 / MBKJOAN S. WARREN, ESQ.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $779.00  Total Paid In: $1,797.00
As of 4/30/20(mk): - updated -Atty ok with terms.sf


***REC CONFIRM AT $563 PTD, THEN $671 x 59 Begin 5/1/20: 100%; OTBS w/in 30 days resolving Objection by Deutsche Bank w/in 30 days.Trustee is to pay arrears claims of Consumer Portfolio (#1-1 & Wells Fargo Bank(#4-1)***


1. Objection by Deutsche Bank(RAS):
-plan fails to pay full arrears amt. per poc $29,375.09.-OK TO PAY? PER Atty - YES PAY-

2. Trustee Objection:
- Consumer Portfolio filed arrears claim for $451.45, plan list as outside.-OK TO PAY? PER ATTY -YES PAY BOTH
-Wells Fargo Auto Fin. filed POC arrears $518.98- OK TO PAY?
- Must resolve creditor objection.(OTBS)
------------------------------------------
-debtor loan balance statement, deduction on pay stub $222 bi-weekly.(plan 1000%)
-plan has excessive expenses such as:Maintenance $250-plan 100%
-122c has disposable income $6,976.47, Plan is proposing 100%.
- Schedules fail to account for tax refund of $1,803 for2018 (pending review of 2019) when determining dispos. incom






plan:563 x 60,100%
payments:1/1
last claim:5-1,bar date:5/11/20
Matter ResolvedRequest
Adjourment
1675/5/2020 10:00 am20-13608 / MBKEric ClaymanConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $669.00  Total Paid In: $1,838.00
AS OF 4/29/20 (at):

RECOMMEND: $500 PAID TO DATE, $669 x 59 BEGINNING 5/1/2020, 100% TO GUC'S
Student loans will be paid outside of the plan.
Preserve non exempt equity of $184,940.00 in real estate.
Need Pre-Confirmation Certification within 10 days of confirmation.
Need 2019 tax return by 8/15/2020.
Need update income by 8/1/2020.
Claims will be paid according to the trustee's order of distribution.

PER NOTES, BOTH DEBTORS ARE UNEMPLOYED DUE TO COVID...NEED TO KNOW HOW THEY INTEND TO PROCEED WITH THIS CASE.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis (NOT RECEIVED)
- Proof of 2 month's income - Need copy of 2019 1099 for debtor. (NOT RECEIVED)
- A copy of the last filed tax return - . Need copy of 2019 Tax Return by 8/15/20. (NOT RECEIVED YET)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Disposable income per Schedule I verifies higher at $1,807.83
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2962.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION)
- File pre-confirmation certification. (NOT FILED)

Plan proposes: $500 x 60, 100% to guc's
Payments: 1/1
Matter ResolvedRequest
Adjourment
1685/5/2020 10:00 am20-13621 / MBKKevin Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $2,962.00
As of 5/1/20 (DS): - Atty ok with terms.sf

Recommend confirming at $500 x 2 begin 4/1/20, $981 x 34 begin 6/1/20 100% to gucs, due to disposable income, 18 month prompt cure to Landlord and Trustee standard order of distribution

1. Trustee obj to the following:
- Proof of income provided 4/30/20 and income verifies much higher at $1,724.67.
- PSP loan provided and $211.48 monthly payment ends 3/1/21, which would require a tier plan.
- Need to confirm with Trustee standard order of distribution.

2. IRS filed estimated claim, 2013 and 2014 tax returns not filed. Must resolve claim. AMENDED CLAIM FILED.

Prop Plan $500 x 36 Base
Note: Bank statements, Feb and March pay and pension loan provided. Pension loan ends 3/1/21.
Matter ResolvedRequest
Adjourment
1695/5/2020 10:00 am20-13629 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledDismissedDebtor has made 2 of 4 required payments   Arrears: $1,740.00  
Matter ResolvedRequest
Adjourment
1705/5/2020 10:00 am20-13641 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $798.00  
As of 5/4/20 (DS): Debtor attorney requested adjournment, payment made, wage order, must submit docs and schedule 341 no later than 5/15/20.
Matter ResolvedRequest
Adjourment
1715/5/2020 10:00 am20-13644 / MBKSTEVEN J. SICOConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $0  
Total Paid In: $2,882.00
4/30/2020 ADJOURNMENT REQUEST DENIED, FAILED TO OBTAIN CONSENT OF OBJECTING CREDITOR - EMAIL TO ATTY SENT
issues as of 4/24/2020

1) Specialized Loan Servicing LLC (Stewart Legal) objection to confirmation - need to resolve
-estimated pre petition arrears $37,490.64
2) IRS priority claim is estimated for 2019 return
3) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income. income verifies lower Need breakdown of how income was calculated
-need proof of 2 months income - updated last 2 paystubs
-need a copy of the 2019 return by 8/15/2020
-need a copy of the pension loan statements for spouse
-the debtor has undertaken an improper use of exemption. Specifically improper (d)(1) exemption taken on 2007 Infiinty G24 and 2015 Toyota Tundra
-need to file Pre Confirmation Certification with Court

proposed plan $560x60 base
paid in $560
last claim 10
Matter ResolvedRequest
Adjourment
1725/5/2020 10:00 am20-13645 / MBKKirsten B. Ennis Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $4,080.00
AS OF 4/29/20 (SF)

RECOMMEND $1600 PTD, $1240 X 46 (BEGIN 6/1/20) 100%


Due to excessive disposable income of $5571.67 recommend 48 month plan.

1. Objection filed by M&T Bank (Carlon) - failure to pay arrears of $44,121.14 (SETTLED BUT NO TERMS. OK TO PAY?)

2. Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2019 (RECEIVED) Tax Refund is $22,644
- auto insurance renewal, policy provided expired 2/24/2020
- debtors income verifies higher than scheduled $8,011.94
- schedule I fails to account for net bonus $15,172.02 which adds $1,264.33/monthly income
- disposable net income $4,477.17 - OK PLAN PROPOSES 100% TO GUC'S


Plan proposes $800 x 60 100%
Payments: 2/2


Matter ResolvedRequest
Adjourment
1735/5/2020 10:00 am20-13646 / MBKSTEVEN J. SICOConfirmation Hearing ScheduledContinued
8/4/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS of 4/24/20(mk):



1. IRS FILED ESTIMATED POC for 2019 - return not filed.

2. Trustee Objection:
- copy of 2018 retrurn& 2019 by 8/15/2020.
-need statement for the debtor's 2 401k loans and the non filing spouse's 2 401k loans.
-need January and February bank statements for Bank of America acct #2791.
-need Modified Plan that assumes the American Honda lease & lists student loans paid outside.
-need Amendments to Schedules C to use only Federal exemptions.
-debtor has undertaken an improper use of exemption. Specifically: Schedule C uses
both State and Federal exemptions. The schedules must be amended to take only one.
-Verified income leaves monthly disposable income of $5,532.58.
- Schedules fail to account for tax refund of $8,771.00- this is 2017- which is the only 1 submitted. need 2018 return &/or 2019?
-As of now,there is $74,423.92 in non exempt equity in the Linden property.
-as of now,there is $3,674 in non exempt equity in the 2012 Pilot.
-need to file Pre-Confirmation Certification.
-need to resolve the estimated claim filed by the IRS.


Plan:1719 x 60 ,Base
payments 2/1
last claim 10-1, bar date:5/11/20
Matter ResolvedRequest
Adjourment
1745/5/2020 10:00 am20-13680 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 4/28/20 (SF)

1. NEED TO REQUEST ADJOURNMENT OF CONFIRMATION HEARING
2. 341 NOT HELD - RESCHEDULED TO 5/21/20
3. PAYMENTS: 1/1
Matter ResolvedRequest
Adjourment
1755/5/2020 10:00 am20-13722 / MBKMOSHE ROTHENBERG, ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $4,400.00  
issues as of 4/22/2020

1) 341 not held, not rescheduled - missing documents
2) No Trustee plan payments, arrears $4,400
3) IRS priority claim estimated 2018-2019
Matter ResolvedRequest
Adjourment
1765/5/2020 10:00 am20-13758 / MBKLEE M PERLMAN, ESQConfirmation Hearing ScheduledContinued
6/10/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,600.00
AS OF 5/4/20 (at):

1. Objection filed by Nationstar/Mr. Cooper (Phelan) - failure to cure arrears of $107,100.71 (Per obj - No POC yet)

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 - for 2019. (NOT RECEIVED YET - DUE BY 8/31/20)
- 2 months bank statements for TD Bank acct ending #6244 prior to filing date. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Cell Phone $327, Life insurance $197 and timeshare $79 (luxury item).
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity on timeshare $1,740, bank accounts $3,416.29 or more (pending bank statement from acct #6244 not yet provided) and possibly real property, pending claims or second mortgage statement provided.
- Need updated mortgage statement from TD Bank (2nd mtg). Statement provided is dated 5/23/18. Plan has current and outside. (NOT RECEIVED)
- Must resolve creditor objection. (UNRESOLVED)
- Must file Pre-Confirmation Certification. (NOT FILED)

Plan proposes: $400 x 36, base, loan mod within 6 months of filing (9/4/20)
Payments: 2/2
Matter ResolvedRequest
Adjourment
1775/5/2020 10:00 am20-13766 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1785/5/2020 10:00 am20-13768 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $1,278.00
As of 4/22/20 (DS): If amended Schedule G filed, recommend confirming at $252 x 2 begin 4/1/20, $387 x 58 begin 6/1/20 pro rata dividend to gucs with a minimum dividend $10,000 to gucs, Student loans to be treated outside and within 10 days must file Prec-confirmation certificate

1. Trustee obj to the following:
- Must amend Schedule G to list residential lease to be assumed.
- Income verifies higher, there is disposable income $795.50., Schedule I & J has $635, plan is only proposing $252.

2. Must file Pre-confirmation certificate.

Prop Plan $252 x 60 Dollar Base $10,000
Note: Lease and bank statements provided.
Matter ResolvedRequest
Adjourment
1795/5/2020 10:00 am20-13774 / MBKArnold R. Schlisserman Confirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

issues s of 4/22/2020

1) IRS priority claim is estimated for 2019, secured portion is higher than scheduled
2) Trustee objection to confirmation - need to resolve
-proof of 2 months income - rest for February stubs, March & April 2020
-Domestic Support Obligation information need copy of pendente lite order & property settlement agreement when complete
-need a copy of the last filed tax return - 2019 by 7/30/2020
-needs Domestic Support Obligation info sheet
-proof of monthly income for State of New Jersey for $900 per month
-the debtors plan consists of unnecessary or excessive expense items, such as: need proof of Court ordered payment of $1,500 on Schedule J
-must address IRS claim (#6-1) for estimated portion for priority taxes
-must file pre confirmation certification

proposed plan $5760.03x60 100% plan
paid in $5875
last claim 8-1
Matter ResolvedRequest
Adjourment
1805/5/2020 10:00 am20-13874 / MBKKurt E. Reinheimer, Esq.Confirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $3,124.00
Cert filed doc 15 - need to review
Matter ResolvedRequest
Adjourment
1815/5/2020 10:00 am20-13904 / MBKWARREN LEVYConfirmation Hearing ScheduledContinued
8/4/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,600.00  
Matter ResolvedRequest
Adjourment
1825/5/2020 10:00 am20-13911 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

341 hearing now on for 5/7/20. NEEDS A REQUEST TO ADJ THIS CONF. HEARING
Matter ResolvedRequest
Adjourment
1835/5/2020 10:00 am20-13913 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledDismissedDebtor has made 2 of 4 required payments   Arrears: $2,126.00  
AS OF 4/22/2020 (at):

1. Objection filed by Home Point (RAS Crane) - failure to cure full arrears of $43,946.40 (Per Obj - No POC yet)

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 - 2019 by 8/15/2020. (RECEIVED)
- Need to file Pre-Confirmation Certification. (NOT FILED)

Plan proposes: $1,063 x 60, $0 to guc's
Payments: 0/1, arrears $1,063
Matter ResolvedRequest
Adjourment
1845/5/2020 10:00 am20-13967 / MBKADRIAN J JOHNSONConfirmation Hearing ScheduledDismissedDebtor has made 0 of 4 required payments   Arrears: $0  

NA
AS OF 4/22/20 (at)

1. 341 has not been held or rescheduled
2. Debtor has made no trustee payments
Matter ResolvedRequest
Adjourment
1855/5/2020 10:00 am20-13978 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $492.00  
As of 5/4/20 (DS): Debtor attorney requested adjournment to resolve IRS incorrect to check into different SS numbers.

As of 5/4/20 (DS): Need to confirm at $492 x 2 begin 4/1/20, $752 x 58 begin 6/1/20 Base with a minimum dividend $22,967.92 and reserve $9,975.87, due to non-exempt equity on real property, add to confirming order Trustee ok to pay the arrears claim of IRS Claim#3-2 and within 10 days must file Pre-confirmation certificate.

1. IRS filed estimated claim, 2018 tax return not filed, also claim not listed to be paid in Plan. Must resolve claim. Amended claim filed.

2. Must file Pre-confirmation certificate.

Prop Plan $492 x 60 Dollar Base $22,967.92
Note: Expense moot.
Matter ResolvedRequest
Adjourment
1865/5/2020 10:00 am20-13979 / MBKOTTO J KOSTBAR, ESQConfirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $200.00  
As of 5/4/20 (DS): Debtor attorney requested adjournment, 341 sched 6/4/20
Matter ResolvedRequest
Adjourment
1875/5/2020 10:00 am20-13980 / MBKFRANK J FISCHER, ESQConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

updated 4/29/2020

provided proof of 2 $100 payments - ok to grant adjournment

issues as of 4/22/2020

1) 341 not held, not rescheduled - to date have not provided Trustee with documents needed for 341 hearing
2) JP Morgan Chase Bank (Phelan) objection to confirmation - need to resolve
-approximate arrears $62,770.80
3) No Trustee plan payments to date, arrears $100
Matter ResolvedRequest
Adjourment
1885/5/2020 10:00 am20-13989 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $2,388.00
UPDATED 5/1/2020

***Ok to confirm at $1,160 paid to date, $614x58 begin 6/1/2020 which includes minimum $28,365 to general unsecured creditors
-Home Point Financial Corporation objection to be resolved with payment of arrears, consent order to be submitted and claim filed before bar date
-fee application must be wiled within 7 days of confirmation

Issues as of 4/22/2020

1) Home Point Financial Corporation (RAS Crane) objection to confirmation - RESOLVED, ARREARS PAID THROUGH PLAN, CONSENT ORDER TO BE SUBMITTED
-arrears $1,726.43
2) Trustee objection to confirmation - need to resolve
-need statement for ETrade account RESOLVED, PROVIDED
-need statement for whole life insurance policy RESOLVED, PROVIDED
-the schedules fail to account for the debtors tax refund in the amount of $2,878 when determining disposable income
-fee application must be wiled within 7 days of confirmation ADD NOTE TO CONFIRMING ORDER
3) Need to file Pre Confirmation Certification with Court 7 days after confirmation RESOLVED, FILED

proposed plan $580x60 minimum $28,365 to gucs
paid in $580
last claim 7
Matter ResolvedRequest
Adjourment
1895/5/2020 10:00 am20-13991 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledConverted to 7 / 11Debtor has made 1 of 4 required payments   Arrears: $0  

AS OF 4/29/20 (SF) Debtor lost job. Atty will be filing Motion to Convert to Ch 7 by 5/4/20


1. Trustee objection:
- Domestic Support Obligation information . (STILL NEED)
- A copy of the last filed tax return - 2019 by 8/15/20.
- proof of rental payment. (STILL NEED)
- need proof add'l health expense on 122c line 22. (NOT RECEIVED). Also, IRS priority claim is lower

Disposable income per 122C is $672.45 which requires a minimum of $40,347 to gucs
($486.57 $145 $40.88 = $672.45 x 60 = 40,347 (NO UNSECURED CLAIM FILED YET, MAY WISH TO ADJ TO AFTER BAR DATE)



Plan proposes $500 x 60 Base
Payments: 1/1

RESOLVED ISSUES:
- IRS priority claim is estimated (AMENDED)
- need proof of Court Ordered payments on 122c $1493 per month. (RECEIVED)
Matter ResolvedRequest
Adjourment
1905/5/2020 10:00 am20-14186 / MBKSTEVEN J ABELSON, ESQConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $3,588.00
AS of 4/22/20(mk):


1.Objection by Freedom MTg(Phelan):
-plan fails to pay full amt of arrears-will file POC (otbs - Phelan)

2.Objection by Capital One Auto(Mester):
-plan fails to treat-arrears $328.10. (per atty, pay)

3. IRS filed ESTIMATED POC-No Returns for 2016-2019.

4. Trustee Objection:
-need copy of the homeowner's insurance renewal declaration - which provides personal
liability coverage, insurance provided is forced insurance by mortgage.( AR SUBMITTED )
- debtor has insufficient income - income verifies $-504.84.
-need Tax return for 2018 from Co-Debtor & 2019 tax return for both Debtors.
-need Auto insurance for 1995 Ford Mustang and updated auto insurance for other vehicles,
insurance expired 4/8/20.
-As of now,there is $3,134 of NE equity in RE - No POC filed yet so this will likely change.
- Must resolve creditor objections.
- Must file Pre-confirmation certificate.
-distribution is per plan.
-add lang to confirming Order that Capital One on the 20013 Kia Capital is unaffected
and current and willbe paid outside the plan. ( OBJ FILED By Cap.One- says there are arrears-no POC yet)



Plan: 897 x 60;Base.
Payments:1/1
last claim 6-1, bar date:5/20/20
Matter ResolvedRequest
Adjourment
1915/5/2020 10:00 am20-14280 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $3,256.00  
atty has all funds to mail in
341 scheduled for 6/4/20
Matter ResolvedRequest
Adjourment
1925/5/2020 10:00 am20-14377 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledContinued
7/22/2020 10:00 am
Debtor has made 1 of 4 required payments   Arrears: $3,036.00  
Matter ResolvedRequest
Adjourment
05/5/2020 11:00 am20-15132 / CMGDAVID G BESLOW, ESQOrder Show CauseVacated
***CMG***
MISSING DOCS
Matter ResolvedRequest
Adjourment
05/5/2020 11:00 am20-15132 / CMGDAVID G BESLOW, ESQMotion Extend TimeMoot
***CMG***
MTN TO EXTEND TO FILE SCH & PLAN
Matter ResolvedRequest
Adjourment
1935/5/2020 2:00 pm15-29032 / MBKJustin M. Gillman, Esq.Motion CompensationOrder to be SubmittedTotal Paid In: $21,100.00
1068 x 5 remaining because of the arrears and extra 1000. Needs amended order by Gillman
Matter ResolvedRequest
Adjourment
1945/5/2020 2:00 pm17-16663 / MBKWILLIAM S WOLFSON, ESQMotion CompensationGrantedTotal Paid In: $38,252.00
Matter ResolvedRequest
Adjourment
1955/5/2020 2:00 pm18-23067 / MBKBrian Gregory HannonMotion CompensationGrantedTotal Paid In: $103,205.00
(amt: adding $3,976.28 to plan/adjusting 1/1/21 lump sum to $47,500)
Matter ResolvedRequest
Adjourment
1965/5/2020 2:00 pm19-16723 / MBKWILLIAM S WOLFSON, ESQMotion CompensationGrantedTotal Paid In: $66,242.00
Matter ResolvedRequest
Adjourment
1975/5/2020 2:00 pm19-25956 / MBKCAMILLE J KASSAROrder to Show CauseOrder to be SubmittedTotal Paid In: $1,826.00
Order submitted to Chambers 5/5/20

11/19/19 MTN FOR LOSS MIT WAS OTBS (Shapiro)
Matter ResolvedRequest
Adjourment
1985/5/2020 2:00 pm19-26121 / MBKMarc C. Capone, Esq.Motion CompensationGranted
AMT: FEE APP FILED 4/8-CASE DISMISSESD 4/24/20 - ATTY SEEKING $3,921.75 FROM FOH
Matter ResolvedRequest
Adjourment
1995/5/2020 2:00 pm19-26125 / MBKMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $24,418.00
Matter ResolvedRequest
Adjourment
05/5/2020 2:00 pm19-28528 / MBKEdward Hanratty, Esq.Motion CompensationMootTotal Paid In: $3,480.00
DOCKET NOTED/FEE AMOUNTS DON'T MATCH/REFILE
Matter ResolvedRequest
Adjourment
2005/5/2020 2:00 pm19-29318 / MBKDAVID G BESLOW, ESQMotion CompensationGranted
Matter ResolvedRequest
Adjourment
2015/5/2020 2:00 pm19-33774 / MBKPETER E ZIMNIS, ESQOrder Show CauseVacated
FILING FEES
Matter ResolvedRequest
Adjourment
2025/5/2020 2:00 pm19-34072 / MBKBRUCE C TRUESDALE ESQOrder Show CauseVacatedTotal Paid In: $918.00
FILING FEES
Matter ResolvedRequest
Adjourment
2035/5/2020 2:00 pm20-10395 / MBKEdward Hanratty, Esq.Order Show CauseVacated
FILING FEES
Matter ResolvedRequest
Adjourment
2045/5/2020 2:00 pm20-12073 / MBKPRO SEOrder Show CauseMoot - Dismissed
FILING FEES
Matter ResolvedRequest
Adjourment
2065/5/2020 2:00 pm20-13976 / MBKSCOTT E. TANNE, PC.Order Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2085/5/2020 2:00 pm20-13981 / MBKPRO SEOrder Show CauseContinued
5/27/2020 2:00 pm

MISSING DOCS
Matter ResolvedRequest
Adjourment
2075/5/2020 2:00 pm20-13981 / MBKPRO SEMotion to Extend TimeContinued
5/27/2020 2:00 pm

AMT: Telephonic hearing<<>>
MTN TO EXTEND TIME TO FILE MISSING SCHEDULES
Matter ResolvedRequest
Adjourment
2135/5/2020 2:00 pm20-14697 / MBKROBERT C NISENSON ESQOrder Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2175/5/2020 2:00 pm20-15435 / MBKYAKOV RUDIKHOrder Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
2165/5/2020 2:00 pm20-15435 / MBKYAKOV RUDIKHOrder Show CauseVacated
FILING FEES
Matter ResolvedRequest
Adjourment
2185/5/2020 2:00 pm20-15451 / MBKWarren D. Levy Order Show CauseVacated
CREDIT COUNSELING
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes