Judge Christine M. Gravelle
Hearing Date: 5/18/2022
Hearing Count: 140
Last Updated: 06-24-2022 06:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
15/18/2022 9:00 am16-11510 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $45,071.00
FILED IN ERROR
Matter ResolvedRequest
Adjourment
25/18/2022 9:00 am16-32237 / CMGJeffrey H. Ward, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $55,365.00

FAILED TO PAY PLAN BALANCE


Cares Act Plan 84 mos - In mo 66- why was this filed?

Matter ResolvedRequest
Adjourment
35/18/2022 9:00 am17-11726 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
Debtor obj, making pymts<>FAILED TO PAY PLAN BAL

Balance Paid.
Matter ResolvedRequest
Adjourment
45/18/2022 9:00 am17-12680 / CMGERIC L LEINBACH, ESQMotion to Cancel and DischargeGranted
MTN TO CANCEL DISCHARGE/BOA
Matter ResolvedRequest
Adjourment
55/18/2022 9:00 am17-15982 / CMGEric ClaymanMotion SellWithdrawnTotal Paid In: $49,677.00
MOTION TO SELL/ 2 NASSAU DR


proceeds pay off case. retention applications filed for realtors
Debtor atty fees 1,000- ok was in notice of settlement-OK

Cert is from atty- needs to have 1 from debtors(email to atty, EC on 4/16/22)--DEBTRO CERT NOW FILED 4/18/22- can w/d Tr objection
Matter ResolvedRequest
Adjourment
65/18/2022 9:00 am17-18755 / CMGJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
FAILED TO PAY PL
Matter ResolvedRequest
Adjourment
75/18/2022 9:00 am17-19141 / CMGJONAS SINGER, ESQ.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/15/2022 9:00 am
Total Paid In: $58,830.00
ARREARS and Plan balance $3,282.98. We are in month 60.
adj to 6/15/22 for pay plan balance- emailed atty
Matter ResolvedRequest
Adjourment
85/18/2022 9:00 am17-19797 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/15/2022 9:00 am
Total Paid In: $43,197.00
Debtor obj, made pymt<>ARREARS & plan balance $1,525.47. We are in month 60.

recent payment of 3,000 posted on 5/16/22- adj 30 days for balance.
Matter ResolvedRequest
Adjourment
95/18/2022 9:00 am17-21493 / CMGRobert C. Nisenson, Esq.Creditor Certification of DefaultOrder to be Submitted
Debtor obj<> US BANK/Dawson Rd (Friedman Vartolo)

TR Cert of default filed 5/4/22 deadline 5-18

5/17/22(mk); OTBS:12 month cure of the arrears, regular mortgage payments resume immediately. If a new default occurs, the CO would enable the lender to obtain stay relief without filing a new cert of default, and would just submit the order lifting the stay to chambers under 7 day local rule.

Matter ResolvedRequest
Adjourment
105/18/2022 9:00 am17-31846 / CMGJames J. Cerbone, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $30,031.00
Debtor obj<> NEW REZ/1ST ave (Pincus))

MK debtor says made payments- sending proof
Matter ResolvedRequest
Adjourment
115/18/2022 9:00 am17-35345 / CMGAndrew Thomas Archer Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $15,951.00
Debtor obj<> Sunnybrook Assoc (Ostrov)







Matter ResolvedRequest
Adjourment
125/18/2022 9:00 am17-35544 / CMGDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/20/2022 9:00 am
Total Paid In: $14,765.00
Debtor obj, submitted new LM pkg<>FAILED TO 7/1/18, EXT LOSS MIT EXPIRED 12/18/18

case is in month 53
5/14/22:Debtro submitted new loan package and its under review.
Matter ResolvedRequest
Adjourment
135/18/2022 9:00 am18-17739 / CMGJOAN S. WARREN, ESQ.Creditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $12,756.00
Debtor obj<> NATIONSTAR/Norfolk Ave (logs)


5/13/22(mk): order submitted: cure directly to creditor
Matter ResolvedRequest
Adjourment
145/18/2022 9:00 am18-24958 / CMGJoseph Casello, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $59,800.00
Debtor obj, made pymt & requests recap<> ARREARS

>>Needs to make may payment- PAYMENT MADE_CURRENT

5/13/22: debtor to make payment today-Epay - will provide proof.



Matter ResolvedRequest
Adjourment
155/18/2022 9:00 am18-25697 / CMGLaurence R. Sheller, Esq.Trustee Certification of DefaultContinued
6/1/2022 9:00 am
Total Paid In: $28,004.00
Debtor obj, can pay<> ARREARS
Matter ResolvedRequest
Adjourment
165/18/2022 9:00 am18-29622 / CMGBRUCE H. LEVITTTrustee Certification of DefaultContinued
6/15/2022 9:00 am
Total Paid In: $80,455.00
Debtor obj, will pay<> ARREARS 10,744 as of 5/13/22. last pay 2/1/22

adj to 6/15/22 to be current.
Matter ResolvedRequest
Adjourment
175/18/2022 9:00 am18-29622 / CMGBRUCE H. LEVITTTrustee Certification of DefaultMootTotal Paid In: $80,455.00
AMT: THIS IS A DUP FILING
Matter ResolvedRequest
Adjourment
185/18/2022 9:00 am18-30069 / CMGCandyce I. Smith-Sklar, Esq.Order Shorten TimeContinued
6/1/2022 9:00 am
Total Paid In: $26,955.00
>>>OST<<

MOTION TO VACATE DISMISSAL

5/17/22: CREDITOR (Carrington Mtg- Hill Wallack) OPP'N FILED DOC #121.

creditor says: multiple (4) certs of default- post pet previously capitalized into plan- not feasible)
Matter ResolvedRequest
Adjourment
195/18/2022 9:00 am18-30069 / CMGCandyce I. Smith-Sklar, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramContinued
6/1/2022 9:00 am
Total Paid In: $26,955.00
LOSS MIT

ORDER DISMISSING CASE ENTERED 4/25/22
Matter ResolvedRequest
Adjourment
205/18/2022 9:00 am18-30069 / CMGCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $26,955.00
Debtor obj<> CARRINGTON MTG/Edgewood Ave (Hill Wallack)

MK: motion to participate in Loss mIt filed & on 5/18/22

ORDER DISMISSING CASE ENTERED 4/25/22
Matter ResolvedRequest
Adjourment
215/18/2022 9:00 am18-32967 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/1/2022 9:00 am
Total Paid In: $41,949.00
FAILED TO LM BY 2/28/21; EXTENDED LOSS MIT EXPIRED 10/18/21

>debtor has a pending application for LM- should have decision in 30 days. still working onloss mitt. Will need to Mp w/ a LM or arrears depending.

.owes May TR payment.

MFR was resolved by Order --adss post pettion of $35,206.86 to plan and was to file MP w/in 15 days of Order which was entered 4/28/22

>.CONDUIT??
Matter ResolvedRequest
Adjourment
225/18/2022 9:00 am18-33679 / CMGTHOMAS J ORR ESQTrustee Certification of DefaultTrustee OrderTotal Paid In: $39,139.00
Debtor obj, requests recap<> ARREARS.

5/13/22(mk):RECAP IS $39,139 PTD, Then $987 x 18 begin 6/1/22; Debtor to sign up for TFS/ EWage payments w/in 15 days.(email to atty)- OK To TERMS

--------------------
5/9/22: payment posted for $2,700. arrera now $1,107

2/26/22(mk): atty says $910 MO was mailed . she want opportunity to become current rather than a recap- adj to April to be current

>>Last payment was in NOV. 2021needs a payment then can recap
Matter ResolvedRequest
Adjourment
235/18/2022 9:00 am19-12921 / CMGMoshe Rothenberg, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $62,542.00
>>debtro opp'n>SPECIALZIED LOAN / Elm Drive (McCALLA RAYMER

MK; Debtor w/d opp'n to motion

TR Cert of Default filed 5/16/22.
Matter ResolvedRequest
Adjourment
245/18/2022 9:00 am19-17960 / CMGStephanie Ritigstein, Esq.Motion Reinstate StayGrantedTotal Paid In: $25,784.00
5/17/22(mk): email from creditor,atty, E. Holdren. - she has confirmed post pet is current and they will be w/d opposition to the Motion to reinstate stay

BankUnited obj (Hill Wallack)<>MTN TO REIMPOSE STAY/CARRINGTON MTG

5/13/22(mk): email to atty for status- reply he is reaching out to creditor
Matter ResolvedRequest
Adjourment
255/18/2022 9:00 am19-19915 / CMGGeorge E Veitengruber IIIMotion Relief from Co-Debtor StayContinued
6/1/2022 9:00 am
Total Paid In: $24,230.00
MORTGAGEE, U.S BANK NAT'L ASSOC/Eighth Ave (PLUESE BECKER)

TR Motion on 6/15/22- arrears $3,019
Matter ResolvedRequest
Adjourment
265/18/2022 9:00 am19-20195 / CMGBrian W. Hofmeister, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $41,658.00
Debtor obj<>WELLS FARGO BANK/Hillcrest Ave (BROCK & SCOTT)

5/17/222: OTBS no arrrears reg moly payments begin 6/1/22


MP on 5/18/222>>ISSUES<<
Matter ResolvedRequest
Adjourment
275/18/2022 9:00 am19-20370 / CMGWARREN LEVY, ESQ.Creditor Certification of DefaultContinued
6/15/2022 9:00 am
Total Paid In: $19,370.00

peremptory
Debtor obj<>JPMorgan/11th Avenue (Fein Such)
Matter ResolvedRequest
Adjourment
285/18/2022 9:00 am19-20658 / CMGAndrew Thomas Archer Trustee Certification of DefaultTrustee OrderTotal Paid In: $9,746.00
Debtor obj, requests recap<> ARREARS

** Needs TR Order to continue at reg payment of $398. 24 mos remain and case will complete early- needs Ewage -email to atty-ok to terms

LM Order entered 5/12/22.Plan will complete early at the current plan amt of $398 p/m
HOWEVER --Debtor's last payment was 12/2/21. >>
Matter ResolvedRequest
Adjourment
295/18/2022 9:00 am19-21097 / CMGYakov Rudikh, Esq.Motion Dismiss CaseGrantedTotal Paid In: $19,935.00
DEBTOR MTN TO DISMISS
Matter ResolvedRequest
Adjourment
305/18/2022 9:00 am19-21609 / CMGJohn Zimnis, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO PAY CASE EARLY
Matter ResolvedRequest
Adjourment
315/18/2022 9:00 am19-21883 / CMGJOSEPH M PINTO ESQMotion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $21,240.00
Tr obj; BOA limited obj (Frenkel) <>MTN TO APPV SALE AND PAYOFF PLAN EARLY

JP Morgan (McCalla) holds 2nd mtg--no obj provided lien is paid off .

TR Objection can be w/d and motion to proceeds as uncontested unless any creditor objects and their objection is not resolved.

>>below median case. in 34 mos as of April

MK: NO sales K; No realtors appt .
cert is from atty - ( Debtor declaration(#44-pg 9) is there and contract of sale).

mk: appl to appt realtor filed 4/22/22 obj 4/29/22
Matter ResolvedRequest
Adjourment
335/18/2022 9:00 am19-22787 / CMGKevin C. Fayette, EsqTrustee Certification of DefaultTrustee OrderTotal Paid In: $31,146.00
Debtor obj, can make pymt<> ARREARS 5,120 as of 5/13/22 Last pay 5/4/22

debtor made 2500 payment wants recap -

>>5/16/22: $31,146 PTD, Then $1,475 x 25 begin 6/1/22- Debtor to register for TFS payments w/in 7 days.-email to atty-ok to terms
Matter ResolvedRequest
Adjourment
345/18/2022 9:00 am19-25541 / CMGJOAN S. WARREN, ESQ.Motion to Approve Loan ModificationGrantedTotal Paid In: $45,977.00
Trustee obj;' Bayview obj ( Fein Such)<> MTN TO APPROVE LM

Bayview obj says the Motion is premature and there is no Final LM at this time.


5/3/22> TR Cert of default. Arrears $8,630- objection dealine 5/17/22
debtor atty says waiting for LM to be granted . then case can dismiss on Tr Cert
there is still priority taxe claims and 1
guc claim
Matter ResolvedRequest
Adjourment
355/18/2022 9:00 am19-25987 / CMGSEYMOUR WASSERSTRUM, ESQCreditor Certification of DefaultMoot - DismissedTotal Paid In: $46,889.00
Debtor obj<> BSI/E. Second Stt: (Pincus - Sherri Smith Esq.)

TR ARREARS $9,523.50 as of 3/23/22

1/28/22(mk): adj request uploaded: for time to allow debtor to go for a LM
Matter ResolvedRequest
Adjourment
365/18/2022 9:00 am19-28171 / CMGPRO SETrustee Certification of DefaultContinued
6/15/2022 9:00 am
Total Paid In: $10,250.00
Debtor obj<> ARREARS

5/9/22; made payment. arrears now $772- email to debtor
Matter ResolvedRequest
Adjourment
375/18/2022 9:00 am19-29256 / CMGPRO SEOrder Shorten TimeDeniedTotal Paid In: $3,200.00

AR NOTE PREVIOUSLY HELD FOR JUDGE
THIS WILL NEED JUDGE

>>OST<<<

MTN TO GRANT MULTIPLE RELIEFS

Matter ResolvedRequest
Adjourment
385/18/2022 9:00 am19-30763 / CMGRobert C. Nisenson, Esq.Motion Relief from Stay (Fee)Moot - DismissedTotal Paid In: $7,166.00
Debtor obj<>WELLS FARGO BANK (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
395/18/2022 9:00 am19-33224 / CMGSteven J. Abelson, Esq.Motion Dismiss CaseGrantedTotal Paid In: $17,175.00
DEBTOR MTN TO DISMISS
Matter ResolvedRequest
Adjourment
405/18/2022 9:00 am20-10741 / CMGWilliam H. Oliver, Jr., Esq.Trustee Certification of DefaultDismissedTotal Paid In: $66,181.00
Atty filed obj, trying to reach debtor<> ARREARS $7,628 as of 5/13/22. last pay 1/4/22
Matter ResolvedRequest
Adjourment
415/18/2022 9:00 am20-11183 / CMGTIMOTHY P KANE ESQTrustee Certification of DefaultContinued
6/15/2022 9:00 am
Total Paid In: $22,442.00
Debtor obj, will pay<> ARREARS 3,090 as of 5/16/22. last pay 2/25/22

mk: adj to 6/15/22 to be completely current.
Matter ResolvedRequest
Adjourment
425/18/2022 9:00 am20-11797 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $26,654.00
Debtor obj, making pymt<>ARREARS 4,217. as of 5/16/22.Last paymt 4/29/22

5/17/22(mk): Recap is $26,654 PTD, Then $1427 x 33 begin 6/1/22; Debtor to sign up for TFS auto pay w/in 14 days- email to atty
Matter ResolvedRequest
Adjourment
435/18/2022 9:00 am20-14492 / CMGCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $75,600.00
Debtor obj, will pay $8,000 and requests recap<> ARREARS

*Recap is $75,600 PTD, Then $4,081 x 34 Begin 6/1/22. Debtor to sign up for Ewage w/in 10 days.** email to atty--OK to terms


As of 5/16/22(mk: Arrears $10,200. last pay 5/16/22.

MK: atty uploaded epay receipt for 7,000 - will debit from debtor acct on 5/16/22.. Check back to see if it posts and then recap- NEEDS EWAGE
Matter ResolvedRequest
Adjourment
445/18/2022 9:00 am20-15802 / CMGKevin C. Fayette, EsqMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $6,500.00
Debtor obj<>NEWREZ/SHELLPOINT/Cartlidge Ave (ROBERTSON, ANSCHUTZ)

MK :creditor is confirming modification
Matter ResolvedRequest
Adjourment
455/18/2022 9:00 am20-17796 / CMGCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $20,415.00
AMT:MP 5/18 >Honor Roll

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

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

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

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

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

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

Debtor obj, made pymt<> ARREARS $2,190 as of 12/27/21. made recent payment 12/15/21for 2,000
Matter ResolvedRequest
Adjourment
465/18/2022 9:00 am20-19581 / CMGEric ClaymanTrustee Certification of DefaultWithdrawnTotal Paid In: $11,042.00
AMT: MP CONFIRMED 5/4<<>>



Debtor obj<> ARREARS $6,011 as of4/1/22. Last pay 3/31/22

4/1/22(mk): atty wants to add 12 mos to make total plan 60 mos and reduce the payment to $750
Matter ResolvedRequest
Adjourment
475/18/2022 9:00 am20-20285 / CMGRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/15/2022 9:00 am
Total Paid In: $11,880.00
mk: pacer has MP filed - on for 6/15/22.

MP 5/4/22-extending time to REFI
>>PLAN WAS DENIED on 5/4/22<<

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

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

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

Arrears cured





Matter ResolvedRequest
Adjourment
485/18/2022 9:00 am20-20746 / CMGWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $8,302.00
AR NOTE DEBTOR ATTY HAVING DIFFICULTIES REACHING CLIENT
Debtor obj<> CENLAR/Millpond Way (Stern & L)
Matter ResolvedRequest
Adjourment
495/18/2022 9:00 am20-21659 / CMGDavid G. Beslow, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $8,683.00
Debtor obj<>NATIONSTAR MTG/ MERCER ST (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
505/18/2022 9:00 am20-23240 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $4,100.00
HARLEY-DAVIDSON /2018 FXBB Street Bob(STEWART LEGAL)
Matter ResolvedRequest
Adjourment
515/18/2022 9:00 am20-23718 / CMGEric ClaymanMotion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $4,942.00
MTN TO APPV PAYMENT DEFERRAL/WELLS FARGO BANK (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
525/18/2022 9:00 am21-11840 / CMGYakov Rudikh, Esq.Trustee Certification of DefaultContinued
6/1/2022 9:00 am
Total Paid In: $4,350.00
MP filed and on for 6/1/22; surrenders RE. NEEDS REQUEST TO ADJ. THIS MOTION TO 6/1/22<<



Debtor obj, can make pymts<> ARREARS as of 4/4/22 $2,120. payment posted today

Stay Relief Motion on 4/6/22- this will be granted
ATTY needs tme to file a MP to surrender RE and be current
Matter ResolvedRequest
Adjourment
535/18/2022 9:00 am21-12491 / CMGKarina Pia Lucid, Esq.Trustee Certification of DefaultContinued
6/1/2022 9:00 am
Total Paid In: $11,538.00
AMT: MP 5/18
Debtor opp'n- Filing a MP & amended I &J<> ARREARS- on 5/4/22

3/31/22(mk):MP filed and amended i & J- Once date is set for hearing there is an adj request for TR Cert to MP date
Matter ResolvedRequest
Adjourment
545/18/2022 9:00 am21-14026 / CMGDaniel E. Straffi, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $14,040.00
Debtor obj<> SANTANDER/2019 Ram 1500 (Morton)

debtors say can cure arrears
Matter ResolvedRequest
Adjourment
555/18/2022 9:00 am21-15782 / CMGAndrew Thomas Archer Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToOrder to be SubmittedTotal Paid In: $1,122.00
MTN TO REDUCE POC #17(St Of NJ)

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


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

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

Motion only addresses the 2020 priority amt of $1,010.58
Matter ResolvedRequest
Adjourment
565/18/2022 9:00 am21-15798 / CMGCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $2,182.00
Debtor obnj<> NISSAN/2020 NIssan (Stewart legal)
5/17/22: OTBS :arrears to be paid in modified plan.

Matter ResolvedRequest
Adjourment
575/18/2022 9:00 am21-16419 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Granted
3/16/22 PLAN DENIED/MP NOT FILED WITHIN 21 DAYS

>>5/17/22(mk) Per Atty NO Objection to Motion .
Matter ResolvedRequest
Adjourment
585/18/2022 9:00 am21-16773 / CMGFRANCIS P CULLARI, ESQTrustee Certification of DefaultGrantedTotal Paid In: $5,989.00
Debtor obj, proposes recap<> ARREARS are 12,773 as of 5/13/22. last pay 1/5/22

NEED UPDATE ON STATUS OF PAYMENTS
mk:5/17/22 email to atty
-----------------------------

4/19/22(mk)Atty is working on CO for late claim- dispute over lang. Debtor to pay $ by end of month, needs time

5/14/22(mk): CO allowing st of NJ claim to be paid

NEED UPDATE ON STATUS OF PAYMENTS

Matter ResolvedRequest
Adjourment
595/18/2022 9:00 am21-17040 / CMGJohn Michael McDonnell, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToRevised Order SubmittedTotal Paid In: $10,148.00
mk: per AR - requested a revised Order from debtor's counsel that that adds a paragraph 2. that states that the trustee payment of $64.15 in claim # 19-1 shall be applied to payments on claim #15-1. and atty has to serve creditors on POC #19 & #15.( sent email to atty 5/4/22)


MTN TO OBJECT POC #19

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

***There have been disbursements made on #19
#15 (Vervent as servicer for Cross River)Amt $1,921.92 and #19 $1,948.50 ( has rec's $64.15 so far)same acct # on supporting docs original loan amts match but claim amts differ
Service on motion per the info in the POC #19
Matter ResolvedRequest
Adjourment
605/18/2022 9:00 am21-18221 / CMGJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $7,700.00
AMT; MP 5/18**<
>

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


mk: MP filed on 4/14/22(#43)- debtor in trial LM requires payments over 12 mos. trial period .Mp proposes 100 x12 and 100%- plan has only run 6 mos as of April- can't confirm for less than 36 total. plan will just complete early
Matter ResolvedRequest
Adjourment
615/18/2022 9:00 am21-18322 / CMGRONALD E NORMAN, ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $3,017.00
Debtor obj<>ROSEMARY SPOHN/LANDLORD (LUMBERTON APARTMENTS)

creditor cert of default by Exeter( Morton) filed _ORDER VACATING STAY ON THE HYUNDAI ENTERED 5/12/22
Matter ResolvedRequest
Adjourment
625/18/2022 9:00 am21-18372 / CMGPRO SEMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToMoot - Dismissed
AR NOTE PREVIOUSLY HELD FOR JUDGE
THIS WILL NEED JUDGE


US Bank obj ( Frenkel); Trustee obj; SLS obj (Stewart Legal); debtor responses<>MTN TO EXPUNGE BOA(3-1) & MEB Loan Trust(#2-1)

MK: debtor filed objection to US Bank POC 5/13/22 & Hearing 6/15/22.

Matter ResolvedRequest
Adjourment
635/18/2022 9:00 am21-18782 / CMGYakov Rudikh, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $1,276.00
AR PROPOSES 3000 ROLL BAL INTO PLAN , CREDITO DOES NOT CONSENT WILL CONFER
Debtor obj<>CREDIT ACCEPTANCE CORP / 2017 Altima (MORTON)
Matter ResolvedRequest
Adjourment
645/18/2022 9:00 am21-19600 / CMGAdrian Johnson, Esq.Motion Prospective ReliefContinued
6/1/2022 9:00 am

ORDER WILL BE ENTERED UNLESS CT CONTACTED 7 DAYS BEFORE
]MK: creditor request to adj to 5/18/22- date Of MP>>REC DISMISSAL<<.

AR NOTE PREVIOUSLY HELD FOR JUDGE ON 2-16
3/16/22 Debtor did not make March payment- debtor disputes that
AR POSTED 4-1 NOW 3 OF 4

2/16/22: Per Ct: NEEDS Loan docs in and be current PP w/ creditor & to TR

AR NOTES
- PRIOR FILING DISMISED WI 1 YR NO MOTION TO EXT STAY
-86k pre petition post pet pymts none
debtor wants loan mod sister will coop conf 3-2
ATTY checking on post petition ad pro pymts

Debtor obj<>MTN FOR RELIEF/AVAIL HOLDING - Woods Edge Ct (PARKER McCAY)

4/6/22 MP(#15) before conf.
Matter ResolvedRequest
Adjourment
655/18/2022 9:00 am22-10330 / CMGFRANCIS P CULLARI, ESQMotion File Claim After Claims Bar DateRevised Order SubmittedTotal Paid In: $1,515.00
MTN TO EXTEND TO FILE POC

5/17/22; REVISED ORDER SUBMITTED- OK

Mk: motion by creditor to allow late claim of clearbrook community Assoc

>>Limited objection - The PPSED ORDER NEEDS TO
BE REVISED AND STATE THAT THE LATE CLAIM OF CREDITOR # IS ALLOWED AND THEN AUTHORZE THE TRUSTEE TO PAY THE AMOUNT OF X AS A SECURED CLAIM ETC THROUGH THE PLAN
Matter ResolvedRequest
Adjourment
665/18/2022 9:00 am22-11686 / CMGAndrew Thomas Archer Motion SellRevised Order SubmittedTotal Paid In: $1,500.00
2016 GULF STREAM LODGE TRAILER

>>NEEDS REVISED ORDER TO ADD LANGUAGE Debtor certification as to the proceeds w/in 10 days.

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

Mk: proof of 50% ownership provided

Matter ResolvedRequest
Adjourment
675/18/2022 9:00 am22-12058 / CMGPRO SEOrder Shorten TimeContinued
6/15/2022 9:00 am

>>OST<<

TO VACATE DISMISSAL >>will need new conf date if dismissal is vacated

MK: case was dismissed on Court's OSC for failure to file docs. Order entered 4/27/22

>>No 341 docsexcept for Deed .. no payments made before dismissal. Plan has issues. proposes to pay gucs outside or in alternative file adversary and seek discharge of non priority gucs
Matter ResolvedRequest
Adjourment
685/18/2022 9:00 am22-12198 / CMGADAM SCHNEIDER, ESQMotion Requesting RedactionGranted
Matter ResolvedRequest
Adjourment
05/18/2022 9:00 am22-12420 / CMGPRO SEMotion Extend TimeContinued
6/1/2022 9:00 am

Crediter Wilmington Sav.(Freidman vartolo)<>MTN TO CONTINUE STAY

6/122 is conf date and also motion for stay Relief by AMIP Servicer for Wilmington Savings.

Matter ResolvedRequest
Adjourment
695/18/2022 9:00 am22-13711 / CMGBrad J. Sadek, Esq.Order Shorten TimeGranted
>>>OST<<<


MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
705/18/2022 10:00 am18-33074 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 43 of 43 required payments   Arrears: $0  
Total Paid In: $15,060.00
ISSUES AS OF 5/12/2022 (DM):ATTY OK TO TERMS(mk):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $14,710.01 PTD, THEN $350 x 4 STARTING 6/1/22, BASE PLAN; ADD TO CONFIRMING ORDER: TRUSTEE IS AUTHORIZED TO PAY MTAG/FIG CAPITAL INVESTMENTS LATE SECURED POC (8-1) IN THE AMOUNT OF $1,070***


1) MTAG/FIG Capital Investments filed amended secured POC (1-2) in the amount of $9,843.62 which has been paid in full by the Trustee.

2) MTAG/FIG Capital Investments filed another secured POC (8-1) for $1,070 and secured POC (9-1) for $1,070 - both filed claims are late (ADD TO CONFIRMING ORDER THAT TRUSTEE IS AUTHORIZED TO PAY LATE POC 8-1??)


Confirmed Case: $350 x 42 start 12/1/18, Base
Prop. MP: $14,010 Ptd, $350 x 5 start ???, Base
PTD = $14,710.01
Last Claim (9-1) dated 4/28/22
Matter ResolvedRequest
Adjourment
715/18/2022 10:00 am18-35075 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 35 of 42 required payments   Arrears: $0  
Total Paid In: $14,297.00
AS of 5/10/22(mk): email to atty- OK TO TERMS

**CAN REC CONFIRM AT $13,527.97PTD, Then $412 x 43 begin 6/1/22; Base; Plan extended to total 84 mos under cares Act**


-------------------
1.MFR by Lakeview(Frenkel): 0n 4/20/22- need result-OTBS - Order submitted today -$6,340.10 Post pet arrears in plan


2. Objection by lakeview Loan(Frenkel):
-plan does not cure arrears-pays in full at part 4g-THIS IS PPSD POST PET AMT- now resolved by Order for $6,340.10)

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


MP proposes: $337 X 39; $307.34 X 45; BASE
COVID EXTEND
Plan has run 40 mos and 44 remain under the extend
-
Matter ResolvedRequest
Adjourment
725/18/2022 10:00 am19-20195 / CMGBrian W. Hofmeister, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 36 of 37 required payments   Arrears: $1,169.00  Total Paid In: $41,658.00
AS OF 5/13/22 (SF) UPDATED

1. Motion for Relief filed by Wells Fargo Bank scheduled for 5/18 at 9 (Debtors entered into loan mod on 12/1/21 and made only 1 post petition payment.) (MUST RESOLVE) Per atty, resolved, we need a copy of the proposed order.(Provided)

Trustee objection:
2. Debtor's annual bonus, business income and tax refund is not included on amended Schedule I. Disposable income is approximately $4006 if this income is included and does not support the debtor reducing payment to $400. The original plan was confirmed with a base of $68,545 extended over 60 months. Based on disposable income debtor should still pay in $68,545. (Atty agrees to base staying at $68,545) This plan really should be withdrawn. The payment doesn't change unless the MFR order impacts the plan.


MP proposes $400 x 26 Base, Loan mod approved
Plan has run 36 months with 24 months remaining
Matter ResolvedRequest
Adjourment
735/18/2022 10:00 am19-25732 / CMGLee M. Perlman, Esq.Confirmation Hearing on Modified PlanContinued
6/15/2022 10:00 am
Debtor has made 30 of 34 required payments   Arrears: $0  
Total Paid In: $16,544.00
CONDUIT ORRDE PER
AR NOTE OBJ BY DEBTOR TO CONDUIT
>>FYI TR CONDUIT OBJ FILED 3/17/22(#62)

AS OF 5/6/2022 (at):

1. Need a post petition proof of claim from the IRS in order to pay the $1,530 that is listed in the modified plan or the IRS can be stricken from the modified plan. (POC NOT FILED)-5/17/22: PER ATTY STRIKE(mk)

2. Cannot cram Capital One Auto after original confirmation. Need to pay in full or file a motion to cram this claim. (NOT ADDRESSED) mk 5/17/22- atty says no cram- pay outside- BUT TR WILL STRIKE CRAM & PAY PER PLAN SETUP-PRE AND POST PETITION ARREARS)

3. Received Covid Certification. Need proof of income and of disability income. (RECEIVED)

4. Need 2021 tax return. (RECEIVED - REFUND OF $7,044)

5. Need car payment on Schedule J until if/when creditor agrees to the cram. (NOT AMENDED)

MP proposes: $14,890 paid to date, $997 x 53 beginning 4/1/2022, 0% to unsecured creditors
Arrears: $576
(- Updated arrears per the POC filed by TD Bank.
- Cram down the interest only for the loan with Capital One Auto Finance.
- Extending the life of the plan an additional 24 months)
Matter ResolvedRequest
Adjourment
745/18/2022 10:00 am19-33420 / CMGGeorge E Veitengruber IIIConfirmation Hearing on Modified PlanConfirmedDebtor has made 32 of 30 required payments   Arrears: $870.00  Total Paid In: $28,255.00
ISSUES AS OF 5/10/2022 (DM): Atty ok with terms

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $27,385 PTD, $870 BY 5/25/22, THEN $870 x 31 STARTING 6/1/22, BASE PLAN, DEBTOR SHALL SIGN UP FOR TFS eWAGE WITHIN 10 DAYS***

1) MP discloses $20,536.02 in post-petition mortgage arrears in Part 4a without indication how they will be treated (CONSENT ORDER WITH US BANK ENTERED - $21,044.21 SHALL BE ADDED TO THE PLAN).

2) Trustee OBJ:
- Need updated proof of income (RECEIVED).
- Need copy of 2021 tax return (RECEIVED).


Confirmed Case: $5,166 Ptd, $574 by 10/25/20, $1,222 x 50 start 11/1/20,
- Base with $36,500 Min Div
Prop. MP: Ptd, $870 x 33 start 4/1/22, Base
PTD = $27,385
Last Claim (33-1) dated 2/14/20
Matter ResolvedRequest
Adjourment
755/18/2022 10:00 am20-17796 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 37 of 24 required payments   Arrears: $559.00  Total Paid In: $20,415.00
ISSUES AS OF 5/13/2022 (DM):

***TRUSTEE TO RECOMMEND CONFIRMATION AT $20,415 PTD, $559 x 4 STARTING 6/1/22, THEN $936 x 45 STARTING 10/1/22, 100% PLAN, IRS SHALL BE PAID PER POC, EXETER FINANCE SHALL BE PAID PER CONSENT ORDER, STRIKE PRIORITY PLAN TREATMENT TO STATE OF NJ***

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

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

3) MP provides $11,203.55 cram treatment to Exeter Finance on 2013 Chevy Camaro - per Consent Order (1/6/21), total cram payout with interest should be $12,548.59 (PAY PER CONSENT ORDER?? - Yes)

4) Trustee OBJ:
- Need amended Sch I&J (FILED).
- Need updated proof of income (RECEIVED).
- Need 2020 tax returns (UNRESOLVED).
- Need 2021 tax returns (MISSING PAGE 2 FOR JUDITH).
- Need file a CARES Act Certification (FILED).


Confirmed Case: $4,595 Ptd, $1,050 x 53 start 2/1/21, 100%
Prop. MP: $19,278 Ptd, $559.26 x 63 start 4/1/22, Base
PTD = $20,415
Last Claim (16-1) dated 9/8/21
Matter ResolvedRequest
Adjourment
765/18/2022 10:00 am20-21428 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 20 required payments   Arrears: $3,482.00  Total Paid In: $23,137.00
AR NOTE DIAGREE ON GAP PAYMENTS
Anita sent terms. : $23137 PTD (19); ; $3,482 x 41 beg June 1, 2022 EDC ADD CONDUIT ORDER

5/9 workup

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


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

Trustee objection:
-Plan wants to increase payments by $250. Trustee can only recommend confirmation with CONDUIT AND EWAGE
-monthly mortgage payments are $1585.97 ($1761 with commish)
-trustee payments will be approximately $3,655 going forward--still need Order on cert of default
-no amended I & J or POI(DONE)
Matter ResolvedRequest
Adjourment
775/18/2022 10:00 am21-12491 / CMGKarina Pia Lucid, Esq.Confirmation Hearing on Modified PlanContinued
6/1/2022 10:00 am
Debtor has made 4 of 15 required payments   Arrears: $0  
Total Paid In: $11,538.00
5/9 workup for the 5/18 calendar EDC

***debtor sent letter brief response 5/3-EDC sent email response to debtor for her review. Counsel is sick and out of office. If not resolved we will adjourn for trustee formal response

Trustee objection:

$20,144.80 arrears- Last payment in January

-the 22C requires $1528 monthly to unsecured as per the amended filed 22C so payments would still be over $3000 monthly.-need to use I & J going forward EDC

-$5650 in equity from original confirmation

* objection to MP by Powers office

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

-4/27 filed updated 22C post confirmation

$1377 X 48; BASE
Matter ResolvedRequest
Adjourment
785/18/2022 10:00 am21-14026 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 13 required payments   Arrears: $1,305.00  Total Paid In: $14,040.00
5/13/22(mk):(Atty ok to terms)

**CAN REC CONFIRM AT $11,860 PTD, Then $3,485 x 48, Begin 6/1/22, Base w/min to GUCS $36,900 Due to Equity in Personal property; TR to pay PNC arrears claim #8-1 for 10.00

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

AS of 4/26/22(mk):
workup for plan #37

**PLAN DOES NOT APPEAR FEASIBLE AS WOULD NEED MUCH HIGHER PAYMENT.

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

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


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

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

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

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

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


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

Matter ResolvedRequest
Adjourment
795/18/2022 10:00 am21-14037 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 22 of 13 required payments   Arrears: $0  
Total Paid In: $6,719.00
updated 5/16/2022 (JMA

ok to confirm at $6,419 paid to date, $300x35 begin 6/1/2022 100% plan
-Lender, New Rez to be treated outside the plan and Trustee will not pay claim 3-1. Lender is free to seek stay relief, 100% plan

issues as of 5/11/2022 (JMA)

1) Trustee to file supplemental objection
-must provide Trustee with status of closing on real property
-case must remain a 100% plan due to the non exempt equity and excess income on Form 122c

proposed plan $$6,419 ptd, $300x49 100% plan
Matter ResolvedRequest
Adjourment
805/18/2022 10:00 am21-15782 / CMGAndrew Thomas Archer Confirmation Hearing on Modified PlanContinued
6/15/2022 10:00 am
Debtor has made 9 of 11 required payments   Arrears: $0  
Total Paid In: $1,122.00
>Motion to reduce tax claim filed on 5/18/22-OTBS

5/10 workup for the 5/18 calendar EDC

10 months and est NJ still not resolved

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


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


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

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

Matter ResolvedRequest
Adjourment
815/18/2022 10:00 am21-16878 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $250.00  
Does debtor have listing agreement for $799,000? If so, the Trustee needs a copy.
ISSUES AS OF 5/13/2022 (DM):

1) IRS amended its priority claim to $72,723.24 (OKAY TO PAY??)

2) IRS filed amended secured POC (5-2) in the amount of $29,918.85 not treated in the plan (UNRESOLVED).

3) State of NJ filed secured judgment POC (1-1) in the amount of $2,490.87 not treated in the plan (UNRESOLVED).

4) NJ Division of Taxation filed secured POC (6-1) in the amount of $5,677.48 not treated in the plan (UNRESOLVED).

5) Ally Capital filed $345.97 arrears claim on 2020 Kia Optima (OKAY TO PAY??)

6) Trustee OBJ:
- Need Dec & Jan bank statements for TD account #5038 (UNRESOLVED).
- Need a MP that pays a dividend to unsecured creditors due to sale plan (UNRESOLVED).
- Debtor has exceeded the d5 exemption limit by $15,914 (UNRESOLVED).
- Excessive Expenses - between Sch J and P&L: $450 car insurance (per bill it's $370 month); $835 cable/internet/phone; $2,100 health insurance (EXP AMENDED EXCEPT FOR HEALTH INSURANCE).
- Need to file Pre-Confirmation Certification (UNRESOLVED).
- Need valuation for the debtor's business (UNRESOLVED).
- Trustee objects to debtor's valuation of residence. Zillow and other sources have value at over $700,000. Needs current CMA with comps within the last 6 months (UNRESOLVED).
- Need proof of debtor's social security number (UNRESOLVED).
- Sale in 6 months (ADD NON-EXEMPT PROCEEDS FROM SALE).


Prop. Plan $250 x 60, 0% Plan, sale 6 months
PTD 4/5 = $1,000
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
825/18/2022 10:00 am21-17187 / CMGRussell L. Low, Esq.Confirmation Hearing on Modified PlanDismissed - Hold FeesDebtor has made 2 of 9 required payments   Arrears: $0  

MK:5!622: PER EMAIL FROM ATTY - NO OPP'N TO DISMISSAL YOU CAN MARK IT DISMISSED/HOLD FEES.

ISSUES AS OF 5/13/2022 (DM):

***No Trustee payment in the last 2 months and Deutsche Bank/PHH Mtg obtained stay relief - RECOMMEND DISMISSAL***

- ADJ to 5/18/22 Peremptory (dm)

 AR wants Ewage on the terms.

 Atty says cram w/Toyota is resolved - look for order (STILL NO ORDER).

 Amended Sch A/B & C filed 1/31/22 adds 3rd party claim to Workers Comp case - need to add non-exempt proceeds to Conf Order.

1) Deutsche Bank (RAS) OBJs - $128,795.61 arrears on Wayne Cir property - Consent Order entered for Loan Mod by 1/16/2022 (TIME HAS EXPIRED & STAY RELIEF WAS GRANTED).

2) Toyota Motor Credit (STERN E) OBJs to cram treatment of 2017 Toyota Camry in the MP (MP PAYS TILL RATE & VALUE IN THE OBJECTION - BUT PLAN WAS NOT SERVED ON STERN & EISENBERG).

3) MP provides $2,500 secured treatment to Greenwich Chase Homeowners Asson - no POC has been filed (MP REMOVES $2,500 TREATMENT)

4) Plan does not indicate treatment of student loans (MP TREATS STUDENT LOANS OUTSIDE IN PART 5b).

5) Trustee OBJ:
- Debtor has insufficient income.
- Debtor has failed to file a feasible plan.
- Need homeowner's insurance for Florida property (RECEIVED).
- Need a statement for the 401k loan (UNRESOLVED).
- There is $11,530 non-exempt equity in the Florida property (AMENDED SCH C FILED).
- Need to file Pre-Confirmation Certification (FILED).
- Need update on workers Comp 2019 case with Ginarte, Gillardo et al. (ADD NON-EXEMPT PROCEEDS FROM 3rd PARTY CLAIM).


Prop. Plan $200 x 6, $546.17 x 54, Base, Loan Mod by 5/2022
Part 9 provides for $5,226 Min Div
PTD 6/8 = $1,200
Last Claim (13-1)
Matter ResolvedRequest
Adjourment
835/18/2022 10:00 am21-17313 / CMGBruce C. Truesdale, Esq.Confirmation Hearing on Modified PlanContinued
6/15/2022 10:00 am
Debtor has made 4 of 9 required payments   Arrears: $0  
Total Paid In: $147,690.00
AR RESOLVE OR HOLD
ISSUES AS OF 5/13/2022 (DM):

***Nothing new with respect to Trustee issues since last work-up on 4/14/22***

 Mk: Atty will provided Cert as to closed crypto accts (UNRESOLVED - CERTIFICATION ASSERTS GEMINI & ROBINHOOD ACCOUNTS WERE CLOSED PRIOR TO FILING BANKRUPTCY WITHOUT INDICATING WHEN ACCOUNTS CLOSED AND HOW MUCH WERE IN THE ACCOUNTS).

 Wells Fargo account statement from June 24 to July 24 shows deposits of $90,801.22 and spending $91,454.83 - need explanation (UNRESOLVED - CERTIFICATION ALSO VAGUELY ASSERTS THAT $90,00 OF DEPOSITS AND WITHDRAWALS IN BANK STATEMENTS WERE THE RESULT OF BUYING AND SELLING CRYPTO WITHOUT DETAIL).

1) Planet Home Lending/Wilmington Trust (FRIEDMAN VARTOLO) OBJ - $142,960.45 arrears -there is an Order granting In Rem Relief dated 4/11/20 (SEE TERMS OF CONSENT ORDER BELOW).

2) Planet Home Lending/Wilmington Trust (FRIEDMAN VARTOLO) objected to debtor's motion to impose automatic stay. CONSENT ORDER:
- PAYMENT OF $34,500 TO BE MADE IN JAN, FEB, MAR & APR (April payment not made).
- TRUSTEE TO USE PAYMENTS TO CURE ARREARS.
- DEBTOR'S MOTHER HAS LIQUIDATED REAL ESTATE TO FUND THE PAYMENTS.

3) LaMer Condo Assn (HILL) OBJs to confirmation - plan fails to provide for any treatment of the Association's secured claim of $2,546.08 - the cram of this claim is not properly listed in Part 4 of the MP (STILL NEED CONSENT ORDER WITH CREDITOR).

4) Trustee OBJ:
- Need statement for Coinbase acct, Robinhood acct and Gemini Trust acct (PROVIDED STATEMENTS FOR WHAT APPEARS TO BE 3 ACCOUNTS $3,541, $4,920 AND $7,767 - DOCUMENTS PROVIDED FAIL TO CLEARLY IDENTIFY THE SPECIFIC ACCOUNTS AND DO NOT ALL INCLUDE A DATE OF THE STATEMENT - LOOKS LIKE CRYPTO.com WALLET/EARN, COINBASE AND BIANCA - STILL NEED STATEMENTS FOR ROBINHOOD AND GEMINI TRUST).

- The plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7:
--- Chime account #8541 shows ending balance for 8/28 sta
Matter ResolvedRequest
Adjourment
845/18/2022 10:00 am21-18221 / CMGJoseph Casello, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 77 of 8 required payments   Arrears: $0  
Total Paid In: $7,700.00
5/24/22(mk): add lang : Preserve equity T/h of $8,696

AS of 5/5/22(mk):atty ok to terms

**CAN REC CONFIRM AT $7,600 PTD, Then $100 x 29 Begin 6/1/22 100%; LM on Dartmouth Drive by 5/30/23. Trustee is not authorized to pay arrears pending LM**

NOTE: Plan has run 7 mos and can't confirm for less than a total of 36 mos .It is 100 % so it will complete early if debtor gets the final LM

1. Debtor has a Trial LM in place. 12 month term on LM. NO pay arrears pending LM

MP proposes:100 x 12 LM on Dartmouth Drive ( Trial LM in place)100% no pay arrears pending LM
Matter ResolvedRequest
Adjourment
855/18/2022 10:00 am21-18372 / CMGPRO SEConfirmation Hearing on Modified PlanDismissedDebtor has made 1 of 8 required payments   Arrears: $0  

5/5/22(mk):

>>THIS WILL NEED JUDGE


This hearing is on MP #53.

---Has debtor submitted the LM package on the first mtg yet?

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

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

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

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

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

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

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

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

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

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

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

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

3. Trustee Objection:
- debtor has insufficient income to fund plan- Faile to file a feasible plan- 3 mtgs on RE - proposes LM on all 3. Only app'd for loss Mit on 1st mtg-
-Case is 5 mos old and only 1 payment has bee
Matter ResolvedRequest
Adjourment
855/18/2022 10:00 am21-18372 / CMGPRO SEConfirmation Hearing on Modified PlanPlan DeniedDebtor has made 1 of 8 required payments   Arrears: $0  

This hearing is on OLD PLAN #40. debtor filed another plan at #53. That has a 5/4/22 hearing date, that plan should be adj to 5/18/22 to be heard with motion to Expunge. and this plan denied

>>Conference call 4/18/22 at 2:00 on this

**Motion objecting to claims(Bank of America & MEB LOAN Trust) on for 5/18/22


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

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

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

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

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

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

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

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

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

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

3. Trustee Objection:
- debtor has insufficient income to fund plan- Faile to file a feasible plan- 3 mtgs on RE - proposes LM on all 3. Only app'd for loss Mit on 1st mtg-
-Case is 5 mos old and only 1 payment has been made thus far for $150.
-Plan fails to complete Parts 5a,(no guc claims filed)8a,8c 8d and Part 9
-must file pr
Matter ResolvedRequest
Adjourment
865/18/2022 10:00 am21-18795 / CMGTAMIKA N. WYCHE, ESQ.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 7 required payments   Arrears: $0  
Total Paid In: $8,510.00
$1200 x 60 100% plan with minimum $189,942.60 dividend to guc's due to non exempt equity in real estate--LM by 7/20/22-trustee to pay mortgage arrears pending LM


5/10 workup for the 5/18 calendar EDC

SAME issues as of 2/10/2022

* what is the loan mod status?? There is an objection to the motion for Loss Mit and also a motion for relief scheduled for 5/4/22
--Are we paying mortgage arrears pending LM? Yes. LM by 7/20/22 (90 days from 4/20 order)

$1200 x 60 100% plan with minimum $189,942.60 dividend to guc's due to non exempt equity in real estate--LM by 7/20/22-trustee to pay mortgage arrears pending LM

1) Impact Mortgage Corp (McCabe Weisberg) objection to confirmation - need to resolve
-plan does not allow for the repayment of pre petition arrears $237,822.90(Mk: status Chg #31-obj. to confirmation was w/d) WITHDRAWN EDC

-the debtors plan consists of unnecessary or excessive expense items, such as: Schedule J has tele/cell/internet/cable $390, Debtor's P&L also takes $88.34 and spouse takes $385 which would total $863.34; Schedule J has car insurance $270, Debtor's P&L also takes $30 and Spouse takes $340.42. Is this only for 1 vehicle? Auto insurance verifies Debtor and spouse on insurance for one vehicle-OK EDC
-the debtor is not paying all disposable income - there is disposable income $8,440, case could be paid off sooner than 60 months-OK EDC
-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 on real property - THIS IS A 100% PLAN-OK if 100% only $8000 in claims
-Need to file Pre Confirmation Certification with Court



proposed plan $1,200x60 100% with loan modification by 3/31/2022
paid in $2,400
arrears $1,200
---------------------------------
RESOLVED
2) Trustee objection to confirmation - need to resolve
-need copy of homeowners insurance renewal, policy provided expired 12/21/2021
last claim 4 * bar date has expired
Matter ResolvedRequest
Adjourment
875/18/2022 10:00 am21-19110 / CMGEugene Roth, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 6 of 7 required payments   Arrears: $581.00  
mk: MP filed today 5/17/22. Plan is now to sell as LM appeal was denied- THIS PLAN SHOULD BE MARKED AS DENIED - new plan will get a hearing

5/11 workup for the 5/18 calendar EDC

- Nothing done since last time

1) Citibank (Milstead) objection to confirmation - need to resolve
-arrears $85,923.34
-following review of debtor's loan modification application, it was determined that Debtor was not eligible for a loan modification

2) The plan lists a tax sale certificate - no claim filed, bar date has passed - need to address


proposed plan $581x36 base plan with loan mod 6 months after confirmation
paid in $1,162
last claim 14
--------------------
resolved
-Need to provide proof of 2 month's income - including October pay stubs for Debtor PROVIDED UPDATED WORKSHEET
-Need October and November bank statements for the non filing spouse, PROVIDED, SPOUSE ACCOUNT BALANCE BEFORE FILING
-Need to file Pre-Confirmation Certification , FILED
-Need to resolve the estimated claim filed by the IRS, RESOLVED, AMENDED CLAIM HAS BEEN FILED
Matter ResolvedRequest
Adjourment
885/18/2022 10:00 am21-19120 / CMGYakov Rudikh, Esq.Confirmation Hearing on Modified PlanContinued
6/1/2022 10:00 am
Debtor has made 4 of 7 required payments   Arrears: $0  
Total Paid In: $1,293.00
AR RESOLVE OR HOLD

5/18/22:OTBS United Credit(Morton)otbs $11,249 114 ad pro beg 12=1 21
5/10 workup for the 5/18 calendar EDC
$9,875
*If Morton resolved with no cram we can workup at 100% to resolve trustee objection (only $800 in gucs if no cram),
--morton got appraisal on 5/3

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

* Trustee obj to the following:
- Bank statements provided for TD account #0988. Attorney emailed acct not Debtor's, $2,000 was put in joint acct from person on acct to assist Debtor with rent and expense, but person on joint acct does not contribute toward Debtor's expenses. Debtor's cert states this person contributes to rent and household expenses, need rental lease.
- Disposable income verifies $388.
- Need to add to confirming orde $11,820 and no adeq protection payments $158 per month. Obj mustr Trustee standard order of distribution and Debtor to provide updated proof of income by 6/30/22.

* United Auto Credit (MORTON) obj to plan cram of 2005 Ford F250, NADA values $12,650, with loan balance be resolved.

Prop Plan $140 x 60 begin 12/1/21; Base
Note: MP FILED 2/8/2 AND REMOVES UNITED AUTO CREDIT FROM 4B, DUE TO CRAM. IRS CLAIM AMENDED, NO LONGER ESTIMATED.
Matter ResolvedRequest
Adjourment
895/18/2022 10:00 am21-19470 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 6 required payments   Arrears: $0  
Total Paid In: $1,475.00
As of 5/5/22(mk):atty ok to terms- the PTD was updated 5/14/22

**CAN REC CONFIRM AT $1,180 PTD, THEN 295 x 55 begin 6/1/22.100%. Preserve equity T/H in real property of $22,297. LM on South Hampton property with Wilmington sav by 5/30/22, Trustee is not authorized to pay arrears pending LM. Trustee is authorized to pay Ajax arrears claim #3-1 for $70.81 through the plan. Must file pre conf cert in 10 days**

NOTE: if debtro gets his LM w/ Wilmington, this plan will complete very soon as it has plan total of $2,956.<<
-----------------------
1. Ajax Mtg filed small arrears POC $70.81 on Ridgley St prop. Plan has unaffected- OK TO PAY? (PER ATTY -PAY)

2. Trustee objection:
>>AS OF NOW THERE IS $22,297 IN EQUITY IN PERTH AMBOY PROP. BAR DATE PASSED AND GUC TOTAL IS $126.35 SO WILL BE 100% AND PRESERVE T/H EQUITY
-need a CMA for S. Hampden
-need Auto insurance for 2006 Dodge Grand
Caravan
-need Amendments to Schedules Auto insurance list 2 additional vehicles 2014 Ford Focus and 2012 Honda CR-V LX, not on Schedule B
- debtor has undertaken an improper use of exemption. Specifically: Schedule C over
exempts on d(5) $9,349, takes full d(1) exemptions and only permitted to take d(5) $1,325.
-plan has excessive expenses: Rental
property mortgage $2,102.09, rental property maintenance $22 and Family Assistance $300 (does not identify family member).
- 22C has mortgage for residence $1,738, Schedule J has $1,753.77 (does not agree),
which leaves Line 45 with disposable income $71.09 and would require minimum
dividend $4,265.40 to gucs.
- 22c does nt list tax refund, Line 45 so far would be $71.09, plus $296.42 there would be disposable income $367.51, which would require minimum dividend $22,051. to gucs.
-Proof of income verifies higher, there is disposable income $2,543.24.
Schedules fail to account for tax refund of $3,557 when determining disposable income
There is non-exempt equity on residence for $22,297.01 and checking acct $7,722.06.
- Trustee needs clarif
Matter ResolvedRequest
Adjourment
905/18/2022 10:00 am21-19600 / CMGAdrian Johnson, Esq.Confirmation Hearing on Modified PlanContinued
6/1/2022 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $0  

AR NOTE NEED TO RESOLVE LENDR MOTION AND OBJ
5/11 Workup for the 5/18 calendar EDC
same as last time

- Motion for Prospective Relief on 5/18/22-86k pre pet arrears
- PRIOR FILING DISMISED WI 1 YR NO MOTION TO EXT STAY
- motion for loss mit--GRANTED LM BY 6/1

-obj by La Mer Condo-paying $10,462 claim?

*Trustee objection:

-----The debtor has insufficient income Verified income leaves monthly disposable income of
$155.46..
-----Proof of 2 month's income - Jan & Feb. 2022.
-----Amendments to Schedules to add the adequate protection mortgage payment to SLS.
----The Schedules fail to account for the debtor(s) tax refund in the amount of $1,702.00
when determining disposable income.
----Need to file Pre-Confirmation Certification.
----Need to resolve objection by Avail Holdings/SLS---what is LM status
---Debtor must provide proof that the Trustee was added as Loss Payee to all motor vehicle
and real estate insurance policies based upon vesting at discharge of the confirming
order must provide for vesting at confirmation.

proposed $500 X 60 BEG 1/2022; LM BY 4/30/2022 (8 WOOD EDGE CT); 100%
Matter ResolvedRequest
Adjourment
915/18/2022 10:00 am21-19659 / CMGPRO SEOrder Vacate Dismissal of CaseDismissedDebtor has made 0 of 6 required payments   Arrears: $0  

AS OF 5/5/2022 (at):


1. 341 has not been held or rescheduled
2. Payments: 0/5, arrears $2,700
3. No 341 docs
Matter ResolvedRequest
Adjourment
925/18/2022 10:00 am21-19680 / CMGJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 1 of 6 required payments   Arrears: $0  

5/18/22(mk): Amended schedules A & B filed yesterday. hit our system this AM. Need review the notes have been there since 5/5- why last minute? case is 5 mos old and still need to know if #1 & 2 are/will be resolved??

As of 5/5/22(mk):

>>SAME ISSUES PER LAST HEARING IN MARCH 2022<<

1. Objection by Collinwood Grape Co.(Gellert):
-plan has lien strip off . Property is under valued.

2. Objection by (2nd Ntg)Community Loan Servicing(Shiller Knapp).
-plan fails to pay full arrears.

3. Plan has pay Fairway Lake Ridge Home Owners in Full $14,320- NO CLAIM FILED- BAR DATE PASSED- STRIKE THIS?? OR ARE YOU GOINGTO FILE A POC & MOTION TO ALLOW?

3.Trustee Objection:
-need CMA- updated with recent comparable sales. (Also creditor obj to value) re cert of value as of August was 350,000
-need October and November bank statements for TD savings account
listed on Schedule B.
- plan has excessive expenses: $600/month car payment. Need proof.( Plan must be 100%)
-There is $10,299 in NE equity in TD checking account. Can 't be 0%.(Plan needs 100% guc claims total $2145.92. Preserve NE Equity in personal property of $10,229)
Debtor's attorney must file a fee application within 7 days of the entry -of the order confirming the plan.
--------------------------------
- Schedules fail to account for tax refund $4,433.00 (Added In)
-need MP that changes mortgage arrears from Part 4b to Part 4a - ADD LANG
-Need proof of service on Collinwood Grape & Grape Juice(Moot- they filed an objection.)
-Need to file Pre-Confirmation Certification.(filed)


Plan:$1772 X 60 BEG 1/2022; 0%
5/5 payments
Bar date :2/25/22.
Matter ResolvedRequest
Adjourment
935/18/2022 10:00 am21-19851 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $250.00  
AS OF 5/3/22 -

Atty is working on a modified plan and will provide a copy of listing agreement per notes in husband's case 21-16878

1. State of NJ Div of Employer Accts filed secured Judgment claim 1-1 for $2490.87, not addressed in plan

2. IRS filed secured claim 4-1 in the amount of $29,918.85 not addressed in plan

3. State of NJ Div of Tax filed secured claim 11-1 for $5677.48 not addressed in plan

4. Trustee objection:
- need 2 months bank statements for periods November and December 2021
- income verifies higher than scheduled, monthly disposable income $1,696.51
- Trustee objects to debtor's valuation of residence. Zillow and other sources have value at Over $700,000.Needs current CMA with comps within the last 6 months.
- must file pre conf cert.
- Plan cannot be confirmed at 0% due to sale of real estate. Must be confirmed as a base plan.

5. Disclosure Statement does not state that fees were paid (Must Amend)


Plan proposes $250 x 60 0% Sale in 6 months
Payments:: 4/5 Arrears: $250

RESOLVED ISSUES:
1. Objection filed by US Bank (Sherri Smith) - failure to pay arrears or monthly post-petition payments (3/15/22:OTBS-sale K w/in 90 days closing w/in 120 of the order. creditor to be pd in full from closing. Lien retained until paid off)(mk)
5. Motion for Relief filed by US Bank scheduled for 3/16/22 at 9 (OTBS) There is an order resolving objection but where is the order resolving Motion for Relief? (RECEIVED) Debtor has 90 days to obtain Agreement of sale and 120 days to complete closing
Matter ResolvedRequest
Adjourment
945/18/2022 10:00 am22-10046 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $10,850.00
AS of 5/13/22(mk):Updated- Atty ok to terms

**CAN REC CONFIRM AT $7,000 PTD, Then $2,091 x 56 Begin 6/1/22, 100% Preserve equity T/H of $109,295.
OTBS resolving Wilmington Objection w/in 30 days.
Trustee is authorized to pay (NIP) claim of St of NJ-Div. Of Taxation claim #2-2 in the amount of $1,857.14 through the plan.
Order of Distribution is per plan***

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

>>Plan will need higher payment going forward

mk: replied to atty email on 5/7 asking about #1- if it was resolved & what is order of distribution? waiting for answers.

1. Objection by Wilmington Sav(Friedman Vartolo): Multiple filings - fails to pay arrears-COTBS

2. Trustee Objection:
-Order of Distribution is contrary to TR Std Order- DO YOU WANT IT PER PLAN- OR TR STD ORDER??-mk; per atty - per plan
-There is $70,000 in non exempt equity in the business, $10,145 in the
Santander bank account and $29,150 in the 2015 Freghtliner. (100% plan. (PRESERVE EQUITY)
- Need Amendments to Schedules E to add the IRS and NJ and the 22C
because the debtor is above median.
---------------------------------
IRS now a fixed priority of $26,352.45- Plan has 10,000
-Need 2021 tax return 5/31/2022.(Provided)
MRF By Wilmington Truste( Friedman V)-ON 3/16/22- CO Entered- cure PP directly to lender.

Plan: $1750 X 60 BEG 2/2022; 100%
4/4 payments
last claim:2-1, bar date:3/15/22
Matter ResolvedRequest
Adjourment
955/18/2022 10:00 am22-10054 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanContinued
7/6/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 05/03/22 (SF) Per Atty, need to MP, will no longer be a loan mod plan.

1. Objection filed by Ajax Mortgage Loan Trust 2019-A - failure to pay arrears and speculative loan mod. Also post petition payment is $3240.06, not $1740 which would result in expenses being higher and making the plan infeasible. Also loan mod is partially dependent on result of speculative outcome of legal malpractice action. Creditor believes plan is not proposed in good faith. (IS THIS OBJECTION RESOLVED. DEBTOR FILED A MODIFIED PLAN AND THE CREDITOR DID NOT OBJECT)

2. No claims filed for separately classified claims for Best Buy/CBNA or TD Bank USA/Target. Should these per plan claims be stricken from plan? Bar date expired on 3/15/22

3. Trustee objection:
- A copy of the last filed tax return - for 2021, no later than 5/31/22.
- A Modified Plan that proposes student loans to be paid outside.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Homeowner insurance listed twice under schedule J as being paid by Debtor.
- There is non-exempt equity of $6485 on real property. (No d(1) exemption taken)
- Need 2 months bank statements for all bank accounts prior to filing date.
- Add to confirming order non-exempt proceeds from legal malpractice and contract dispute lawsuits to Trustee.


Plan proposes $250 x 36 Base, Loan Mod by 09/30/22
Payments: 4/4

RESOVLED ISSUES:
- Must file Pre-confirmation certificate. (FILED)
-Need proof of 2nd mortgage balance (CLAIM FILED)
- The Plan fails to provide for a prompt loan modification completion date. (MP FILED)
Matter ResolvedRequest
Adjourment
965/18/2022 10:00 am22-10078 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

ISSUES AS OF 5/13/22 (DM):

***If obj resolved with creditor Thompson and okay to pay their claim, then we need to confirm at $4,292 Ptd, then $1,348 x 56 starting 6/1/22, 100% Plan with a minimum of $146,862 due to non-exempt equity.
- Ok to pay IRS claim#4-1.
- Within 7 days must file Pre-confirmation certificate.
- Debtor to provide 2021 tax return no later than 5/31/22***

1) IRS filed $851.29 priority claim not treated in the plan OKAY TO PAY? - Yes).

2) Michael & Aldora Thompson (GIORDANO HALLERAN) obj to feasibility of plan and if Debtor can make payments. Supplemental obj filed - failure to disclose additional income from 2 other people residing with Debtor and not including high medical expenses. Wishes to contest matter and conduct limited discovery regarding income and expenses.

3) Trustee OBJ:
- There is non-exempt equity in bank accts $24,042.77 and real property $122,819.49 total $146,862.26 (100% PLAN).
- Need 2021 tax return, if not filed must provide no later than 5/31/22.
- Need to file Pre-confirmation certificate.

Note: Both obj with Wells Fargo was resolved by consent orders.


Prop Plan $1,073 x 60, 100%
PTD 4/4 = $4,292
Last Claim (8-1)
Matter ResolvedRequest
Adjourment
975/18/2022 10:00 am22-10127 / CMGScott D. Sherman, Esq.Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $395.00  
5/11workup for the 5/18 calendar

2 payments arrears-will need TFS or ewgage to pay higher payment

If paying Foxchase and Santander confirmation needs $628 x 56 beg 6/1/2022-100%(min. of $70,393 due to equity) student loans outside--debtor to sign up for TFS/ewage in 7 days--2021 tax returns to be submitted by 5/31/2022

** Foxchase at Tinton Falls II Condo Assoc (McGovern) objection to confirmation - need to resolve--$21,231.03 secured claim is higher than proposed

** Trustee objection to confirmation - need to resolve
---need a copy of the last filed tax return - 2021 return no later than 5/31/2022
-arrears claim filed by Santander for $598 - need to either pay through plan or move against claim--WILL PAY


proposed plan $395 60 100% plan
paid in $395

---------------------
resolved
-the debtor is not paying all disposable income into plan - proof of income verifies higher, plus tax refund is not on Schedule I, disposable income is $926. May be moot since plan is proposing 100% OK 100%
---the schedules fail to account for the debtors tax refund in the amount of $2,424 when determining disposable income
---need a copy of the homeowners insurance renewal declaration DONE
---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 on real property $70,393. Must add the threshold to 100% due to non exempt equity
---must file Pre Confirmation Certification with Court, RESOLVED, FILED
Matter ResolvedRequest
Adjourment
985/18/2022 10:00 am22-10363 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $300.00  
AS OF 5/6/2022 (at):

1. Objection filed by UMB Bank/Rushmore (Parker McCay) - failure to cure arrears of $90,128.31 (Per POC)

2. Trustee's objection:
- The debtor has insufficient income income is negative $1,571.35.
The debtor has failed to supply the Trustee with the following document (s):
- auto insurance renewal, policy provided expired 2/22/2022 (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $917 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- need November and December statements for the Wells Fargo Preferred Checking account ending #3938 (RECEIVED)
- UMB Bank (Parker McCay) objection to confirmation - need to resolve
- Petition states the debtors business closed 12/29/2021 - in the process of dissolving the business, with tools of trade valued at $1,000 - need itemization/values (RECEIVED)
- need updated Schedule I and proof of income when non debtor spouse gets a job (LANGUAGE ADDED)
- need to provide 2021 tax return on or by 5/31/2022 (LANGUAGE ADDED)

Plan proposes: $300 x 60 beginning 2/1/2022, refinance of Grand Central Parkway by 2/1/2023 or loan mod of Grand Central Parkway by 7/1/2022, base
Payments: 3/4, arrears $300
Matter ResolvedRequest
Adjourment
995/18/2022 10:00 am22-10465 / CMGBRUCE W RADOWITZ ESQConfirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

As of 5/17/22 (DS): Debtor attorney requested adjournment to allow time to resolve mortgage obj.

As of 5/10/22 (DS): 1. Trustee obj to the following:
- Need balance statement for Wells Fargo stock prior to filing date and 2021 tax return, if not filed must provide no later then 5/31/22.
- Amend Statement of Financial Affairs to list business.
- There is non-exempt equity in real property $9,803.84 and Santander Bank acct $36,391 total $46,194.84.
- Must resolve creditor obj.
- Must file Pre-confirmation certificate.

2. Shellpoint (HILL WALLACK) obj to arrears not cured pending loan mod and loan being speculative. LOSS MIT ORDER GIVES 90 DAYS FROM ORDER FOR LOAN MOD TO COMPLETE, WHICH IS 7/5/22. PLEASE CONFIRM IF OBJ RESOLVED, NO C/O ENTERED AND OBJ NOT W/D.

3. Real Time Solution mortgage claim arrears owed $27,839.74, plan has to pay per claim.

Prop Plan $200 x 36 begin 2/1/22; 100% and Loan mod on 9th Ave by 8/31/22
Matter ResolvedRequest
Adjourment
1005/18/2022 10:00 am22-10579 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $750.00  
issues as of 5/11/2022 (JMA)

1) Need to file Pre Confirmation Certification with Court
2) Trustee objection to confirmation - need to resolve
- Need to provide Trustee with a current market analysis - document provided does not indicate sale date of comps
- Need to provide Trustee with a copy of the last filed tax return - 2021 tax return on or by 5/31/2022
- The debtor(s) is not paying all disposable income into the plan - the Trustee's calculations are higher for the following reason (s): income verified higher $6,593.48 than scheduled $4,354.73 amount leaving disposable income of $3,473.
- The Schedules fail to account for the debtor (s) tax refund in the amount of $4168 when determining disposable income.
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need certification form debtor explaining the extra wage income
- Must file Pre Confirmation Certification with Court
2) Plan proposes to pay towards arrears while loan mod pending

proposed plan $750x36 base with loan mod 7/1/2022
paid in $2,250
arrears $750
last claim 5
Matter ResolvedRequest
Adjourment
1015/18/2022 10:00 am22-10972 / CMGDonald F. Campbell, Jr., Esq.Confirmation Hearing on Modified PlanContinued
7/6/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 5/17/2022 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING.

>>341 is scheduled for 6/9/22.

Payments: 3/3

5/12 - obj filed by Shrewsbury Woods Condo Ass.
Matter ResolvedRequest
Adjourment
1025/18/2022 10:00 am22-10994 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $500.00  Total Paid In: $1,500.00
AS OF 5/17/2022 (at):

1. Objection filed by Nationstar Mortgage/Mr. Cooper (Robertson, Anschutz) - failure to cure full arrears of $414,317.52 and correct adequate protection payment should be $3,621.43. (LOSS MIT ORDER PROVIDES FOR CORRECT ADEQUATE PROTECTION PMT)

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 2021 (NOT RECEIVED)
- Updated auto insurance, insurance expires 4/30/22 (NOT RECEIVED)
- proof of income for January
2022 from Edustaff. (NOT RECEIVED)
- Amendments to Schedules B and C to correct year for 2003 GMAC to 2005 GMC and provide valuation for both vehicles. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Electricity $550
- Tele/Cell/Cable/Internet $480 (Profit and Loss has $125 monthly expense for spouse cell).
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Disposable income verifies $890.
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in Affinity FCU savings acct $16,500. (LANGUAGE ADDED)
- Bank statements from Financial Resources acct#9295 and #6205 for 1/1/22 -1/31/22 and for Affinity FCU accts#203. (NOT RECEIVED)
- Bank statements from Affinity FCU for joint account with non -filing spouse 2 months prior to filing date. (NOT RECEIVED)
- Must resolve creditor objection
- file Pre-confirmation certificate. (NOT FILED)
- The business forms and P&L must be signed (RECEIVED)
- The debtor must provide proof of the estimated $1300 tax payments listed on schedule J. (NOT RECEIVED)

Plan proposes: $500 x 60 beginning 3/1/2022, loan mod by November, 2
Matter ResolvedRequest
Adjourment
1035/18/2022 10:00 am22-11034 / CMGJose R. Torres Confirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 5/17/22 (DS): Debtor attorney requested adjournment, request denied does not consent of objecting creditor

As of 5/10/22 (DS): 1. BELOW ISSUES STILL REMAIN UNRESOLVED.

4/20/22 (DS): . Trustee obj to the following:
- Disposable income verifies $274.32, income is insufficient to pay per Plan $660.34.
- Need current market analysis with comparables within 6 months of filing date.
- Need a mod plan that selects one classification for paying unsecured creditors and removes mortgage on Part 5b and adds to Part 4a and adds 2nd mortgage on Part 4 and 7 of plan and surrender the timeshare.
- Amendments to Schedule I to remove required repayment of retirement loan $422.22, there is no loan on pay stubs.
- Debtor has undertaken an improper use of exemption. Specifically: Co-debtor cannot use the D1 exemption as the debtor is the only one on the Deed.
- Need 2021 tax return, if not filed Debtors to provide no later then 5/31/22.
- Need to add to confirming order 2 months proof of income for co-debtor if employed by 7/31/22.
- There may be non-exempt equity on real property, pending updated CMA.
- Must file Pre-confirmation certificate.
- Must resolve creditors objections.

2. US Bank-1st mortgage obj (ROBERTSON, ANSCHUTZ, SCHNEID) that plan does not provide treatment of mortgage, arrears possibly owed $183.07 per POC filed.

3. Deutsche Bank/Indymac-2nd mortgage (ROBERTSON, ANSCHUTZ, SCHNEID) obj cram and value of real property Zillow valued $169,000.

4. Need clarification of 2nd mortgage. Schedule J list payment $600, plan is cramming, done improperly, if cramming to $0, need to remove expense on Schedule J.

Prop Plan $660.34 x 6; $750 x 54; Base
Matter ResolvedRequest
Adjourment
1045/18/2022 10:00 am22-11258 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $1,444.00
adj to 5/18/ to be current

AS OF 5/12/2022 (at):

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

Trustee's objection:
- The debtor has insufficient income Debtor has negative income.
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - Must provide copy of 2021 Tax Return by 5/31/22. (NOT RECEIVED - LANGUAGE ADDED)
- Need copy of 401k loan statement. (NOT RECEIVED)
The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity of $5500 in 2014 Hyundai Santa Fe and $7653 in real property. (LANGUAGE ADDED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED - PAY PER TRUSTEE'S ORDER OF DISTRIBUTION)
1. File pre-confirmation certification (NOT FILED)
2. Need copies of bank statements for Santander joint checking with ex -husband, Santander savings account, Credit Union of NJ checking and savings accounts per Schedule B (NOT RECEIVED)

Plan proposes: $575x 60 beginning 3/1/2022, $0 to guc's
Payments: 0/2, arrears $1,150
Matter ResolvedRequest
Adjourment
1055/18/2022 10:00 am22-11353 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 5 of 4 required payments   Arrears: $0  

issues as of 5/17/2022 (JMA)
issues as of 5/11/2022 (JMA)

1) NewRez LLC d/b/a Shellpoint Mortgage Servicing (Hill Wallack) objection to confirmation - need to resolve
- pre petition arrears $328,868.94
- plan fails to provide for adequate protection payments pending sale of the property
2) Trustee objection to confirmation - need to resolve
- Need to provide Trustee with updated auto insurance, insurance expires 4/1/22. RESOLVED, RENEWAL PROVIDED
- Need to file a Modified Plan that adds all mortgages on real property. The current Plan does not specify treatment of of all mortgages on real property under the Plan.
- 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).
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is estimated non-exempt equity on real property $604,000 (pending updated mortgage statement/claims filed) and there is non -exempt equity in Santander Bank acct $34,621.51. Based on total unsecured creditors on Schedule F $1,055, plan will need to be
100% to gucs.
- All non-exempt proceeds to Trustee from potential claim against Violent Crimes Compensation Board and separate potential malpractice claim. Debtor 's counsel to amend schedules.
- Need recent mortgage statement from Wells Fargo Home Loan acct#0001, statement provided is dated 11/30/2011.
- Need mortgage statements from Wilmington Savings for $263,999 and Shellpoint Mortgage for $155,274, unless claims are filed. DEBTORS ATTORNEY FILED CLAIMS FOR THESE TWO MORTGAGES, NOT TREATED IN PLAN
- Add to confirming order non-exempt proceeds from sale of real property to Trustee.
- Must file Pre-confirmation certification with Court

proposed plan $15036 base plan with sale of real property 6 months after confirmati
Matter ResolvedRequest
Adjourment
1065/18/2022 10:00 am22-11442 / CMGOtto J. Kostbar, Esq.Confirmation Hearing on Modified PlanContinued
6/15/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

5/14/22- per atty LM submitted to lender for review

As of 5/9/22(mk):

This is work up for plan #26.

1. Objection by Carrington /Bank United (Stern Lav):
-fails to pay arrears- LM speculative and does not pay arrears pending-(MP now pays arrears pending LM -SO DOES CREDITOR AGREE THIS RESOLVES OBJ? PLAN HAS PAY ARREARS 10,838 THRU PLAN- THE POC FOR ARREARS HAS $99,311.52 FOR TOTAL ARREARS AND PLAN HAD TOTAL AT 30,000- >>SO THIS OBJECTION MUST BE RESOLVED WITH CREDITOR BEFORE I CAN GIVE TERMS FOR CONFIRMATION<<

2. Plan has ISN Corp as unaffected?? Second Mtg Is US DEPT. HUD that is unaffected.

3. Trustee Objection:
-need MP that Treats US Dept of Housing & Urban Development as unaffected.
Claim #4.(add language)
-need 2021 tax return by 5/31/22

_______________________
- need marital settlement agmt(PROVIDED)
(as to RE-wife has possession & no responsibility to pay Mtg, insurance & taxes. Husband liable for all deficiencies related to foreclosure.in event of Sale wife keeps proceeds)
--PNC acct end #6615 statement states overdraft protection from accounts ending #6623 and #6631 need statements for these accounts too,(Provided)
- improper exemptions: Amts claimed under (d)(1) & (d)(5) exceed statutory allowance- NEEDS AMENDED C as there is equity in personal assets.(AMENDED C FILED - $10,938 IN PERSONAL PROPERTY)
-need pre conf cert.(Filed)


Plan: $247 X 60 BEG 3/2022; LM BY 8/2022 (23 CYPRESS DR); BASE
2/3 payments
last claim:16-1 bar date:5/4/22
Matter ResolvedRequest
Adjourment
1075/18/2022 10:00 am22-11467 / CMGJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $13,340.00
AS of 5/9/22(mk):email to atty 5/17/22-ok to terms

**CAN REC CONFIRM AT $3,335 x 60 begin 3/1/22;100%. Preserve Equity T/H Of $67,505, Student Loans to Be paid Outside Plan; LM on Brookside Ave. by 11/18/22; Trustee is Authorized To Pay Arrears To US Bank On Claim #2-1 Pending LM. Need Fee Application Within 7 Days Of Confirming Order**


1. Trustee Objection:ONLY 1 GUC- STD LAON AND THAT IS OUTSIDE. EQUITY T/H IS $67,505)
-needs MP that pays dividend to GUCS
$136,767.16 which represents non exempt equity in real estate, may be 100% plan OR WE WILL ADD LANGUAGE FOR THAT
-Bank statement shows ending balance of $3,637.13 as of 2/23/2022 (filed 2/24/2022).
Schedule B/C only lists $0 - need to amend schedules to correctly reflect amount at time
of filing.
- debtor not paying all dispos income into
plan: -debtors income verifies at $5,178.98
which is higher than the scheduled amount
of $3,971.67. Average paystub amount is
$2,397.67 and debtor is paid bi -weekly.
-spouse income verifies at $2,878.31 which
is higher than the scheduled amount of
$2,625.80. Average paystub amount is
$1,332.55 and spouse is paid bi -weekly.
-As a result of higher income, the monthly disposable net income is $8,472.22, thus the plan cannot be a zero percent plan with significant excess income and a LM.
- excessive expenses:$570/homeowners'
insurance - statement provided only costs
$220/month; $604/telephone/cell
phone/internet; $1,200/food 2 adults;
$511/auto insurance for 5 vehicles for 2
adults (IF 100% PLAN THIS ISSUE WILL BE
RESOLVED).
-Form 122c-2 Line #45 shows monthly disposable income of $7,913.82 which requires a $474,824.20 min.div.to gucs (IF 100% PLAN THIS ISSUE
WILL BE RESOLVED)

Plan:3335 x 60 LM 6 mos from conf 0% Student loans outside
3/3
last claim 2-1 bar date 5/5/22

Matter ResolvedRequest
Adjourment
1085/18/2022 10:00 am22-11490 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $3,300.00
As of 5/17/22(mk): Updated per AR -total 48 mos.plan- email to atty-OK to terms

**CAN REC CONFIRM AT 1,746 PTD, Then $777 x 45 begin 6/1/22, 100%W/ MIN $62,920 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE AND PERSONAL PROPERTY; FILE PRE-CONFIRMATION CERTIFICATION WITHIN 10 DAYS. PROVIDE UPDATED PROFIT AND LOSS STATEMENTS FOR BOTH BUSINESSES IN 6 MONTHS. NEED AMENDED TO STATEMENT OF FINANCIAL AFFAIRS TO ADD BOTH BUSINESSES (THE SIGN SHOP AND ALMOST EVERYTHING GRAPHICS) WITHIN 30 DAYS.
PLAN IS A TOTAL OF 48 MONTHS**

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

AS OF 5/9/22 (SF) UPDATED - Review after bar date of 5/6/22

36 MOS
RECOMMEND $582 X 2 (BEGIN 3/1/22); $897 X 14 (BEGIN 5/1/22); $1147 X 20 (BEGIN 7/1/23) 100% W/ MIN $62,920 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE AND PERSONAL PROPERTY
- FILE PRE-CONFIRMATION CERTIFICATION WITHIN 10 DAYS
- PROVIDED UPDATED PROFIT AND LOSS STATEMENTS FOR BOTH BUSINESSES IN 6 MONTHS
- NEED AMENDED TO STATEMENT OF FINANCIAL AFFAIRS TO ADD BOTH BUSINESSES (THE SIGN SHOP AND ALMOST EVERYTHING GRAPHICS) WITHIN 30 DAYS


48 MOS
RECOMMEND $582 X 2 (BEGIN 3/1/22); $897 X 14 (BEGIN 5/1/22); $717 X 32 (BEGIN 7/1/23) 100%

60 MOs
RECOMMEND $582 X 2 (BEGIN 3/1/22); $612 X 58 (BEGIN 5/1/22) 100%


1. Trustee objection:
- The debtor has failed to file a feasible plan - that propose tier plan, car payment $367, ends in month 16.
- Proof of 2 month's income - from The Sign Shop Nov. 2021 to Feb. 2022 and from
"The Sign Shop" for Jan 2022-Feb. 2022. (RECEIVED)
- Business forms - for "Almost Everything Graphics". (RECEIVED BUT UNSIGNED AND PROFIT AND LOSS SHOWS ZERO INCOME AND ALSO NOT SIGNED)
- Updated auto insurance for 2000 Ford and 2014 Hyundai, insurance expired 1/30/22.
- Amendments to Schedules Statement of Financial Affairs to list The Sign Shop and
Almost Everything Graphics businesses.
- There is non-exempt equity on real property $27,077, 1971 Chevy Camaro $33,843
(insurance list value $35,000), 2000 Ford F350 for $2,000 (insurance has
Matter ResolvedRequest
Adjourment
1095/18/2022 10:00 am22-11537 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $287.00  
As of 5/10/22 (DS):see mk notes below


1. BELOW ISSUES REMAIN UNRESOLVED.

5/4/22 (DS): 1. Trustee obj to the following:
- Need statements for PayPal and Acorns Investment acct and Columbia Bank #4588 statements 2 months prior to filing date,(PER ATTY -pay pal belongs to mom, Acorn belongs to husband- in his name only- need proof on this & Columbia statements uploaded(mk).
- also need proof of unemployment income from spouse and certification regarding termination.(Uploaded 5/17/22- needs review)
- Schedule I indicates spouse has been terminated from job and receiving severance pay from January through April. Then spouse will collect $731 unemployment benefits. Will require proof of unemployment income and supporting certification regarding termination.
- Income is insufficient, disposable income verifies lower $-194.54.
- Need 2021 tax returns, if not filed must provide no later than 5/31/22.
- IRS amended claim adds 2021 taxes owed $982, which is not in plan. Trustee ok to pay?(PER ATTY - YES PAY)
- There is non-exempt equity in real property $7,546.96, possibly in bank acct, acorns and PayPal, pending statements.
- Must file Pre-confirmation certificate.

Prop Plan $287 x 60 begin 3/1/22; Dollar Base $11,173.87
Note: Updated auto insurance and homeowner provided 5/3/22.
Matter ResolvedRequest
Adjourment
1105/18/2022 10:00 am22-11686 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $1,500.00
AS OF 5/6/2022 (at):

RECOMMEND: $500 x 60 BEGINNING 4/1/2022, BASE
Loan modification by 6/22/2022.
Low base pending loan modification.


1. Objection filed by Wells Fargo Bank (Roberson, Anschutz) - loan mod has not been offered so plan should cure arrears of $82,605.35 per POC.(OTBS - Loss mit Order - adequate protection payments of $1,457 and loan mod by 6/22/22)

2. Trustee's objection:
- Need proof of joint ownership of 2016 Gulf Stream Lodge Motorhome, proof of sale, proof of ownership and lien amount. (SOLD)
- Must resolve creditor objection (RESOLVED)
- Need to file Pre-confirmation certificate. (FILED)

Plan proposes: $500 x 60 beginning 4/1/2022, loan mod within 6 months of filing, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
1115/18/2022 10:00 am22-11769 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 5/5/22 (SF)


1. ATTORNEY MUST REQUEST ADJOURNMENT OF CONFIRMATION HEARING
2. 341 NOT HELD - RESCHEDULED FOR 6/16/22
3. PAYMENTS: 2/2
Matter ResolvedRequest
Adjourment
1125/18/2022 10:00 am22-11802 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 1 of 3 required payments   Arrears: $0  

As of 5/9/22 (DS): 341 not held 4/7/22, still missing the following docs: Amended Sched I (Debtor returned to work), proof of income for April and May 2022, 2021 tax return and homeowner insurance for Arizona Ave property (doc provided is binder/application).

1/2 payments
Matter ResolvedRequest
Adjourment
1135/18/2022 10:00 am22-11820 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 5/10/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
- Domestic Support Obligation information need form for support.
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- need to file Pre Confirmation Certification with Court
2) DSO form provided fails to provide full name of party child support is paid to

proposed plan $750x36 base plan
paid in $1,500
last claim 1
Matter ResolvedRequest
Adjourment
1145/18/2022 10:00 am22-11841 / CMGJONI L GRAY, ESQConfirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,785.00  
AS OF 5/12/2022 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - with comparatives used to value property. CMA provided is dated 1/28/20. (NOT RECEIVED)
- A copy of the last filed tax return - for 2021 no later than 5/31/22. (NOT RECEIVED)
- A copy of the homeowner's insurance renewal declaration - insurance set to expire on 5/10/22. (RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Car payment $1,000 and additional car warranty $200.
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 may be non-exempt equity in Central Jersey bank acct, and One United Bank savings acct (pending updated documents and amended Sch. B & C).
- Need 2 months bank statements from Central Jersey P&F FCU and One United Bank savings prior to filing date. (NOT RECEIVED)
- Add to confirming order non-exempt proceeds from any personal injury lawsuits to Trustee. (LANGUAGE ADDED)
- Must resolve IRS estimated claim. (STILL ESTIMATED)
- Pre-confirmation certificate. (NOT FILED)

Plan proposes: $1,785 x 60 beginning 4/1/2022, base
Payments: 1/2, arrears $1,785
Matter ResolvedRequest
Adjourment
1155/18/2022 10:00 am22-11851 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,924.00  
AS OF 5/12/22 (SF) UPDATED - NOT CURRENT WITH PAYMENTS

1. Objection filed by IRS (O'Hagan) - failure to provide for secured and priority claims in the plan

2. Objection filed by SN Servicing/US Bank (Jonathan Schwalb) - failure to pay arrears of $87,921.80 and failure to provide for regular monthly mortgage payments.

3. State of NJ filed estimated priority claim 17-1 (NEED AMENDED CLAIM)

4. The IRS filed secured claim 7-2 for $20,505.57 and priority claim for $19,820.82 which is not addressed in plan and makes plan infeasible.

5. Objection filed by Pro Capital Management II, LLC (Shannon Burrini) - failure to pay tax sale cert in the amount of $1189.81

6. Trustee objection:

-need to file Pre Confirmation Certification with Court

-The schedules need to include the husbands monthly household contributions of approximately $1000 monthly. (Need husband's pay stubs for 60 days prior to filing)

Plan proposes $1924 x 60 0%
Payments: Only $281 Received. Arrears: $3567

RESOLVED ISSUES:
-there is non exempt equity in real property in the amount of $55945.78, this cannot be a 0% plan. Also, debtor does not take a d(1) exemption. (DEED RESTRICTED PROPERTY, THERE IS NO EQUITY)
Matter ResolvedRequest
Adjourment
1165/18/2022 10:00 am22-11904 / CMGTHOMAS J ORR ESQConfirmation Hearing ScheduledDismissedDebtor has made 1 of 3 required payments   Arrears: $0  


NA

As of 5/9/22 (DS): 341 not held 4/7/22, missing the following docs: CMA and current homeowner insurance for Bella Coola Tr and updated auto insurance (insurance expires 5/12/22)

1/2 payments.
Matter ResolvedRequest
Adjourment
1175/18/2022 10:00 am22-11952 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 5/12/2022 (at):

1. 341 is scheduled for 5/26/2022.
2. Payments: 1/2, arrears $200
Matter ResolvedRequest
Adjourment
1185/18/2022 10:00 am22-11987 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as 5/10/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - for 2021, if not filed must provide no later than 5/31/22.
- Updated auto insurance, insurance expired 3/25/22. Also insurance for car payment listed on Schedule J.
- Amendments to Schedules B and C to add acct#5512 and provide bank statements from acct prior to filing date.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Car payment $341, no auto loan listed on Sched D, G or Plan.
- The debtor(s) is not paying all disposable income into the plan - the Trustee 's calculations are higher for the following reason (s): Disposable income verifies $2,996.
- 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): Pending all claims secured and priority tax claims amended, there is non -exempt equity on real property as of now at $29,343.
- 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).
- Must resolve IRS estimated tax claim
- Must file Pre -confirmation certificate.

proposed plan $2,558x60 begin 4/1/2022 with minimum $42,120.20 dividend to gucs
paid in $5,116
last claim 9
Matter ResolvedRequest
Adjourment
1195/18/2022 10:00 am22-11996 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $191.00  Total Paid In: $1,542.00
AS OF 5/6/22 (SF)

RECOMMEND $1028 PTD, $705 X 48 (BEGIN 6/1/22) 100% W/MIN $90,059 TO GUCS PER EQUITY IN REAL ESTATE
- TRUSTEE STANDARD ORDER OF DISTRIBUTION
- FILE PRE-CONFIRMATION CERTIFICATION WITHIN 10 DAYS


1. Trustee objection:

- Verified income leaves monthly disposable income of $705.38.
- Per the 22C, monthly disposable income is $3,473 which requires a minimum dividend of $208,380 to general unsecured creditors. (100% plan)
- There is $90,146 in non exempt equity in the residence. (100% plan )
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution
- Need to file Pre-Confirmation Certification


Plan proposes $514 x 60 100%
Payments: 2/2

Matter ResolvedRequest
Adjourment
1205/18/2022 10:00 am22-12058 / CMGPRO SEConfirmation Hearing ScheduledContinued
6/15/2022 10:00 am
Debtor has made 0 of 3 required payments   Arrears: $0  

Dismissed 4/27/22, motion to vacate dismissal scheduled 5/18/22. >.OST
Matter ResolvedRequest
Adjourment
1215/18/2022 10:00 am22-12133 / CMGFRANCIS P CULLARI, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 3 required payments   Arrears: $0  
Total Paid In: $1,300.00
mk: DSO uploaded(Atty ok to terms(mk))

As of 5/10/22 If DSO Information sheet provided, recommend confirming at $325 x 60 begin 4/1/22; Base with a minimum dividend $13,483 to gucs.
- Trustee standard order of distribution.
- File Pre-confirmation cert within 7 days.

1. Trustee obj to the following:
- Need DSO Information sheet.
- 22C has disposable income $224.72, which would require minimum dividend $13,483 to gucs.
- Need to add Trustee standard order of distribution to confirming order.
- Must file Pre-confirmation certificate.

Prop Plan $325 x 60 begin 4/1/22; Base
Note: 2021 Tax returns has no refund and bank statements from Citizens Bank (provided 5/3/22).
Matter ResolvedRequest
Adjourment
1225/18/2022 10:00 am22-12198 / CMGADAM SCHNEIDER, ESQConfirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $100.00  
AS OF 5/12/2022 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING.

341 is scheduled for 5/12/2022.
Payments: 2/2
Matter ResolvedRequest
Adjourment
1235/18/2022 10:00 am22-12394 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 5/10/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor has failed to supply the Trustee with the following document (s): A copy of the last filed tax return - for 2021, if not filed must provide no later than 5/31/22.
- Auto insurance for 2014 Mazda and updated mortgage statement prior to filing date, if claim not filed. A Modified Plan that removes attorney fees to be paid $3,000 or amended attorney disclosure to mark off will pay through plan.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Tele/Cell/Internet/Cable $550, Food $900 and Medical $500.
- The Schedules fail to account for the debtor (s) tax refund in the amount of $760 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is estimated non-exempt equity on real property $47,392, pending updated mortgage statement or claim filed.
- Must file Pre-confirmation certification with Court. RESOLVED, FILED
2) Wells Fargo Bank filed claim7 for items purchased from Value City Furniture. The claim is secured for $929.90 and unsecured for $143.87 - claim is not in the plan, need to advise on treatment of claim

proposed plan $300x36 base plan
paid in $600
last claim 12
Matter ResolvedRequest
Adjourment
1245/18/2022 10:00 am22-12439 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $4,209.00
AS OF 5/5/2022 (at):

RECOMMEND: $1,403 x 60 BEGINNING 4/1/2022, 100% PLAN
Preserve non exempt equity of $127,591.00 in real estate.

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 2021, if not filed must provide no later than 5/31/22. (RECEIVED - NO REFUND)
- Updated auto insurance, insurance expires 5/1/22. (RECEIVED)
- A Modified Plan that removes attorney fees to be paid through plan or amended
attorney disclosure to mark off attorney fees will be paid through plan. (AMENDED DISCLOSURE FILED)
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- 22c has disposable income $1,104.16, plan pays 100%.
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity on real property estimated $147,591. (LANGUAGE ADDED - NON EXEMPT EQUITY IS $127,591.00 AFTER ADDING IN SECOND MORTGAGE BALANCE)
- Need 2nd mortgage balance statement.(RECEIVED)
- Must file Pre-confirmation certificate. (FILED)

Plan proposes: $1,403 x 60 beginning 4/1/2022, 100% plan
Payments: 2/2
Matter ResolvedRequest
Adjourment
1255/18/2022 10:00 am22-12576 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 0 of 3 required payments   Arrears: $0  

PLEASE READ DISPO >DISMISS-HOLD FEES
>made 1 payment on 5/16/22so now1/2 payments.

issues as of 5/9/2022 (JMA)

1) 341 not held, not rescheduled - missing documents
2) No Trustee plan payments to date, arrears $1,360
3) Need to file Pre Confirmation Certification with Court
Matter ResolvedRequest
Adjourment
1265/18/2022 10:00 am22-12697 / CMGMICHELLE LABAYENConfirmation Hearing ScheduledConfirmedDebtor has made 1 of 2 required payments   Arrears: $432.00  Total Paid In: $1,050.00
AS OF 5/12/2022 (at):

RECOMMEND: $350 PAID TO DATE, $1,132 x 59 BEGINNING 6/1/2022, 100% PLAN
Need 2021 tax return by 5/31/2022.
Need to file Pre-Confirmation Certification within 7 days of confirmation.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2021 return on or by 5/31/2022 (LANGUAGE ADDED)
- need to file Pre Confirmation Certification with Court (NOT FILED - LANGUAGE ADDED)
The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): - as of now,there is $7,385.45 non exempt equity in real estate (plan is 100%) (CLAIMS FILED - THERE IS NO EQUITY ONCE YOU ADD THE IRS AND STATE OF NY)
- IRS filed a priority claim for $17,334.55. Plan has -0-.

Plan proposes: $350 x 60 beginning 5/1/2022, 100% plan
Payments: 1/1
Matter ResolvedRequest
Adjourment
1275/18/2022 12:00 pm18-17523 / CMGJOHN J SCURA, IIIMotion CompensationGrantedTotal Paid In: $82,019.00
Matter ResolvedRequest
Adjourment
1285/18/2022 12:00 pm18-24958 / CMGJoseph Casello, Esq.Motion CompensationGrantedTotal Paid In: $59,800.00
Matter ResolvedRequest
Adjourment
1295/18/2022 12:00 pm19-10341 / CMGDaniel E. Straffi, Esq.Motion CompensationGrantedTotal Paid In: $27,810.00
Matter ResolvedRequest
Adjourment
1305/18/2022 12:00 pm19-17960 / CMGStephanie Ritigstein, Esq.Motion CompensationRevised Order SubmittedTotal Paid In: $25,784.00
mk:REVISED ORDER WAS FILED ON DOCKET AT #134- ORDER NEEDS TO BE EMAILED TO CHAMBERS AND COPY ORDERS@RUSSOTRUSTEE.COM-

mk 5/13/22- Revised order emailed to chambers today


Trustee limited obj<> FEE APPLICATION

Matter ResolvedRequest
Adjourment
1315/18/2022 12:00 pm19-27824 / CMGGeorge E Veitengruber IIIMotion CompensationGrantedTotal Paid In: $47,795.00
Matter ResolvedRequest
Adjourment
1335/18/2022 12:00 pm20-15365 / CMGEric ClaymanMotion CompensationWithdrawnTotal Paid In: $5,092.00
MK: Tr Obj: used incorrect form of Cert for cases filed after 8/1/18
Matter ResolvedRequest
Adjourment
1325/18/2022 12:00 pm20-15365 / CMGEric ClaymanMotion CompensationGrantedTotal Paid In: $5,092.00
Matter ResolvedRequest
Adjourment
1345/18/2022 12:00 pm20-19654 / CMGAndrew Thomas Archer Motion CompensationGrantedTotal Paid In: $8,410.00
Matter ResolvedRequest
Adjourment
1355/18/2022 12:00 pm20-21949 / CMGDaniel E. Straffi, Esq.Motion CompensationGrantedTotal Paid In: $9,600.00
Matter ResolvedRequest
Adjourment
1365/18/2022 12:00 pm20-23380 / CMGMonika Mazurczyk Motion CompensationRevised Order Submitted
Revised order submitted 4/19/22-OK


mk:atty filed a revised order (to pay fees form closing)after my email- I advised her revised order do not get filed on the docket rather submitted to chambers email and copy to Orders@russotrustee.com

4/19/22: MK : Order has fees paid thru plan. Sale motion on 4/20/ asked for fees pd from closing- email to atty for clarification
Matter ResolvedRequest
Adjourment
1375/18/2022 12:00 pm20-23476 / CMGAndrew Thomas Archer Motion CompensationGranted
Matter ResolvedRequest
Adjourment
1385/18/2022 12:00 pm21-17232 / CMGDaniel E. Straffi, Esq.Motion CompensationGrantedTotal Paid In: $1,860.00
Matter ResolvedRequest
Adjourment
1415/18/2022 3:00 pm22-11101 / CMGAndrew Thomas Archer AP Summons IssuedOrder to be Submitted
AP 22-1059 Seaman vs. PC& REO Pretrial
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes