Judge Kathryn C. Ferguson
Hearing Date: 5/19/2020
Hearing Count: 176
Last Updated: 07-02-2020 07:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
15/19/2020 9:00 am12-38448 / MBKWilliam H. Oliver, Jr., Esq.AP Motion Summary JudgmentContinued
6/2/2020 9:00 am

AP 19-2191 Moss vs. Neptune Twp
Matter ResolvedRequest
Adjourment
35/19/2020 9:00 am12-38448 / MBKWilliam H. Oliver, Jr., Esq.AP Notice of Hearing - (Generic)Continued
6/2/2020 9:00 am

AP 19-2191 NEPTUNE TWP CROSS MTN FOR SUMMARY JUDGMENT (Celli)
Matter ResolvedRequest
Adjourment
45/19/2020 9:00 am15-20288 / MBKWilliam H. Oliver, Jr., Esq.Trustee Certification of DefaultContinued
7/22/2020 9:00 am
Total Paid In: $38,118.00
AR ADJ 60 DAYS TO SEE IF COMPLETE - 7/22/20 Peremptory
Debtor obj, will pay $900, then $1250 per mo to complete
Matter ResolvedRequest
Adjourment
55/19/2020 9:00 am15-20800 / MBKBRAD J SPILLER ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/24/2020 9:00 am

5/18 AMT: Per atty, debtor making $400 pymt today<<<>>>

***$2,351 PLAN BALANCE WITH 1 MONTH LEFT***

Debtor obj, reviewing garnishment with employer<<<>>>ARREARS
Matter ResolvedRequest
Adjourment
65/19/2020 9:00 am15-27613 / MBKJAMES J CERBONE, ESQMotion Relief from Co-Debtor StayContinued
5/27/2020 9:00 am

ADJ to 5/27/20 Peremptory - property was sold & bank was paid at closing
Debtor obj<>M&T BANK (SCHILLER, LEFKOWITZ)
Matter ResolvedRequest
Adjourment
75/19/2020 9:00 am15-28184 / MBKJAMES J CERBONE, ESQMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToOrder to be SubmittedTotal Paid In: $50,686.00
5/19 AMT: PPSD ORDER SUBMITTED TO CHAMBERS/7 DAY<<<>>>
5/13/20 - Atty spoke to Patricia Davis again ... advised that refund is going to be issued.

***MTN TO REDUCE IRS CLM #2 TO ZERO***

5/8 amt: APOC #2-3 FILED 4/23 has add'l clm for 2013 (appx $5,200)<<<>>>

1/22 AMT: Per Patricia Davis/irs still processing refund and-apoc<<<>>>

12/17 AMT: HEARING SHOULD BE ADJ'D PENDING APOC -- Patricia Davis/IRS called this morning; she is working on getting amended Proof of Claim filed (2013 assessment due) and will refund the Trustee for any overpayment <<<>>>


8/26 AMT: APOC #2-2 filed on 8/22 reduced priority clm ($5,185.54) to less than PTD ($6,274.44) by trustee. Clm has been marked PTD ($6,274.44). Is proposed order clear on how the general unsecured portion of #2-2 is to be treated?<<>>
Matter ResolvedRequest
Adjourment
85/19/2020 9:00 am15-31021 / MBKJAMES J CERBONE, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/8/2020 9:00 am
Total Paid In: $56,786.00
MP by 5/29/20 - Adj to 7/8/20 Peremptory
Debtor obj, filing MP<>FAILED TO ADDRESS LATE FILED CLM #5-1/DEUTSCHE
Matter ResolvedRequest
Adjourment
95/19/2020 9:00 am16-19302 / MBKCANDYCE I SMITH-SKLAR, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $12,200.00
AMT: MP 5/19 *** HONOR ROLL****<<<>>>

AR MOD PLAN TO EXT FILED BUT NOT SCHEDULED - NEED COVID CERT AND SUPPORT
Debtor obj, filing MP<>FEASIBILITY DUE TO $10,500 PP ARREARS ADDED TO PLAN
Matter ResolvedRequest
Adjourment
105/19/2020 9:00 am17-18264 / MBKWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $8,829.00
FINANCE OF AMERICA (Mattleman)( tr arrears )
Matter ResolvedRequest
Adjourment
115/19/2020 9:00 am17-19450 / MBKAllen I. Gorski, Esq.Motion Relief from Co-Debtor StayContinued
6/16/2020 9:00 am
Total Paid In: $80,256.00
Debtor obj<>SELECT PORTFOLIO SERVICING (MILSTEAD)
Matter ResolvedRequest
Adjourment
125/19/2020 9:00 am17-25702 / MBKJOHN ZIMNIS, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $17,000.00
FAILED TO LM BY 11/30/19
Matter ResolvedRequest
Adjourment
135/19/2020 9:00 am17-26937 / MBKJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $14,862.00
---PROPOSED TRUSTEE ORDER: $13,826 PTD, THEN $1,036 x 27 STARTING 6/1/20---

***$1,000 in transit from atty trust acct on 4/2/20 - debtor to pay an additional $1,500 by 4/8/20 - ADjJ to 5/19/20 Peremptory - NFA for possible recap (debtor has poor payment history and source of income is SSI)***

Debtor obj<<>>ARREARS
Matter ResolvedRequest
Adjourment
145/19/2020 9:00 am17-30637 / MBKEric ClaymanMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $21,665.00
Debtor obj<>CARRINGTON MTG (SHAPIRO)
Matter ResolvedRequest
Adjourment
155/19/2020 9:00 am17-30791 / MBKWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultContinued
6/16/2020 9:00 am
Total Paid In: $18,498.00
PNC (Martone) ( tr arrears )
Matter ResolvedRequest
Adjourment
165/19/2020 9:00 am17-31259 / MBKMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/24/2020 9:00 am
Total Paid In: $11,654.00
ADJ 30 DAYS (6/24/20) for motion and MP to be on the Docket
Debtor obj<>FAILED TO LM BY 6/30/18; EXTENDED LOSS MIT EXPIRED 8/31/19
Matter ResolvedRequest
Adjourment
175/19/2020 9:00 am18-13338 / MBKMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $5,208.00
5/21 AMT: PPSD ORDER TO CHAMBERS/7 DAY<<<>>>

Trustee Order - mtg claim outside the plan, debtor still permitted to use loss mit portal and creditor is free to seek stay relief.
***MP by adj date of 5/19/20***
AR DEBTOR NEEDS PROVIDE EFFORT MADE TO OBTAIN LOAN MOD
4/8 AMT: LOSS MIT NOW EXTENDED TO 9/30/20<<<>>>

***11/6 AMT: Loss Mit now ext to 3/30/20***


Debtor obj<>FAILED TO LM WITH SANTANDER #1-1 BY 8/31/18; EXTENDED LOSS MIT EXPIRED 12/31/18
Matter ResolvedRequest
Adjourment
185/19/2020 9:00 am18-20299 / MBKKevin Fayette, EsqMotion Relief from Stay (Fee)Consent Order to be SubmittedTotal Paid In: $25,765.00
SOCIETY HILL CONDO (MCGOVERN LEGAL)
Matter ResolvedRequest
Adjourment
195/19/2020 9:00 am18-21354 / MBKSTEVEN J ABELSON, ESQCreditor Certification of DefaultContinued
6/2/2020 9:00 am
Total Paid In: $24,006.00
FAY SERVICING/WILMINGTON TRUST (Friedman)( tr arrears )
Matter ResolvedRequest
Adjourment
205/19/2020 9:00 am18-21446 / MBKRichard F. Fried, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/24/2020 9:00 am
Total Paid In: $11,000.00
ADJ FOR LOAN MOD MOTION
AR sent email to atty to appear at 2 PM
 Debtor furloughed - ADJ to 5/19/20 Peremptory for Motion to Approve Loan Mod

***Debtor received 3-month trial payment Jan, Feb & March - adj to 4/28/20***

Per MBK, complete LM package to be submitted by 12/3 EDC (Atty advises the debtor received a Loan Mod - need motion to approve Loan Mod with new proposed order)


Debtor obj<>FAILED TO LM BY 3/10/19, EXTENDED LOSS MIT EXPIRED 5/31/19; FAILED TO FILE ORDER RESOLVING BOA OBJ TO CONF BY 2/1/19
Matter ResolvedRequest
Adjourment
215/19/2020 9:00 am18-22940 / MBKOTTO J KOSTBAR, ESQMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $8,431.00
submitted order for review on 5/19-OK

Debtor obj<>WHISPERING WOODS CONDO (GRIFFIN)
Matter ResolvedRequest
Adjourment
225/19/2020 9:00 am18-23295 / MBKRichard F. Fried, Esq.Motion Reinstate StayContinued
7/14/2020 9:00 am
Total Paid In: $4,090.00
MTN TO REINSTATE STAY/PHH MTG (Phelan)
Matter ResolvedRequest
Adjourment
235/19/2020 9:00 am18-24546 / MBKJAMES J CERBONE, ESQMotion Relief from Stay (Fee)Continued
6/24/2020 9:00 am
Total Paid In: $17,136.00
Debtor obj<>LAKEVIEW LOAN SERVICING (MCCABE)
Matter ResolvedRequest
Adjourment
245/19/2020 9:00 am18-28110 / MBKEUGENE ROTH, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $14,490.00
5/21 AMT: ORDER TO CHAMBERS/7 DAY<<<>>>

Per AR we will do trustee order paying outside--need to make sure mortgage served

Current by 5/19 per AR and sub for LM in 14 days EDC-NFA

4 payments arrears---This has been adjourned since November-no adj granted

adj to 1/8 to see if granted---granted until 3/30/20-status?
***Adj to 11/13/19 for App to Extend Loss Mit***
Debtor obj <<>>FAILED TO LM BY 6/26/19, EXTENDED LOSS MITIGATION PERIOD EXPIRED
Matter ResolvedRequest
Adjourment
255/19/2020 9:00 am18-28614 / MBKJOHN F. BRACAGLIA, JR, ESQ.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToDeniedTotal Paid In: $10,500.00
ADJ BY MBK TO 5/19/20
nfa need for conf
4/6 AMT: Is post pet in proposed order being paid inside or outside plan?<<>>
Wilmington obj ( Stern & L)<>MTN TO REDUCE WILMINGTON SAVINGS #2-1 TO $208,084.51
Matter ResolvedRequest
Adjourment
265/19/2020 9:00 am18-31078 / MBKJAY A WEINBERG, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $11,500.00
OTBS by Trustee - Loan Mod outside the plan, mtg co free to seek stay relief


AR ATTY NEEDS TO ADVISE OF EFFORTS TO GET MOD
3/11/20(mk): FYI Opp'n filed by debtor at #46. Atty cert says: says current & lender provided new LM application and debtor will be applying for same.

Failed to LM BY 1/7/20 - Loss Mit has not been extended; ARREARS (current)
Matter ResolvedRequest
Adjourment
275/19/2020 9:00 am18-32942 / MBKSCOTT M WILHELM, ESQMotion Motion (Generic) - Only use if no other event is applicableDeniedTotal Paid In: $7,495.00
trustee obj EDC
-must use court approved MP and not file it as a motion (MP filed 5/12/10)
-must file separate application for fees (Fee App filed 5/15/20)

MTN TO MODIFY PLAN PAYMENT TO $300/MO
Matter ResolvedRequest
Adjourment
285/19/2020 9:00 am19-11167 / MBKSTEVEN J ABELSON, ESQMotion Relief from Co-Debtor StayContinued
6/2/2020 9:00 am
Total Paid In: $12,682.00
Adj request denied - KML cannot give consent to adjourn with filed opposition.

Debtor obj<>PNC BANK (KML)
Matter ResolvedRequest
Adjourment
295/19/2020 9:00 am19-14204 / MBKWilliam H. Oliver, Jr., Esq.Motion to ConsolidateOrder to be Submitted
MTN TO JOINTLY ADMINISTER 19-14204 (Michael Bellefuille) and 20-12992 (Sheila Bellefeuille)
-neither is confirmed- conf scheduled for 5/27 for both cases EDC
-order needs to use this as the lead case. Order is silent.OK will add language to review duplicate claims EDC
Matter ResolvedRequest
Adjourment
305/19/2020 9:00 am19-14630 / MBKPRO SEMotion Motion (Generic) - Only use if no other event is applicableOrder to be SubmittedTotal Paid In: $10,469.00
5/20 AMT: ORDER TO CHAMBERS/7 DAY<<<>>>

AR NEED ORDER APPROVE SETTLEMENT , TURN OVER FUNDS IN 10 DAYS , PRESERVE DEBTOR RIGHT TO AMEND EXEMPTIONS AND TRUSTEE RIGHT TO OBJECT - REVIEW WITH AR


Trustee obj<>MTN TO APPROVE SETTLEMENT (ARONBERG, KOUSER, SNYDER)
Matter ResolvedRequest
Adjourment
315/19/2020 9:00 am19-14977 / MBKGARY L MASON ESQMotion Relief from Stay (Fee)Continued
6/2/2020 9:00 am
Total Paid In: $6,733.00
PHH MTG (RAS)
Matter ResolvedRequest
Adjourment
325/19/2020 9:00 am19-15193 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
6/2/2020 9:00 am
Total Paid In: $7,275.00
Debtor obj<>PHH MTG (RAS)
Matter ResolvedRequest
Adjourment
335/19/2020 9:00 am19-19333 / MBKNICHOLAS FITZGERALD, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $2,434.00
AMT: Loss mit now extended to 6/18<<>>

Debtor obj<>FAILED TO LM BY 11/1/19
Matter ResolvedRequest
Adjourment
345/19/2020 9:00 am19-21731 / MBKAndrew Thomas Archer Motion Relief from Stay (Fee)GrantedTotal Paid In: $10,480.00
Debtor obj (WITHDRAWN) <>CONSUMER PORTFOLIO SERVICES (BERNSTEIN-BURKLEY)
Matter ResolvedRequest
Adjourment
355/19/2020 9:00 am19-22136 / MBKFranklin S. Montero Objection to Debtor's Claim of ExemptionsMootTotal Paid In: $29,100.00
TRUSTEE OBJ TO SCH C, DOC #57, EXEMPTION FOR PROJECTED DISPOSABLE INCOME (IF CASE CONFIRMED 5/13/20, OBJ TO EXEMPTION FOR TAX REFUND PROJECTED DISPOSABLE INCOME IS MOOT, LOAN MOD REMOVED AND AMENDED SCH J FILED ADDS MTG PAYMENT).
Matter ResolvedRequest
Adjourment
365/19/2020 9:00 am19-22352 / MBKDANIEL L. REINGANUMMotion Relief from Stay (Fee)Continued
7/14/2020 9:00 am
Total Paid In: $6,150.00
Debtor obj<>BSI FINANCIAL (FRIEDMAN VARTOLO)
Matter ResolvedRequest
Adjourment
375/19/2020 9:00 am19-22877 / MBKJAMES J CERBONE, ESQCreditor Certification of DefaultOrder to be SubmittedTotal Paid In: $10,397.00
BANK OF NY (Stewart Legal Group)( tr arrears )
Matter ResolvedRequest
Adjourment
385/19/2020 9:00 am19-23408 / MBKJOHN ZIMNIS, ESQMotion Relief from Stay (Fee)Granted
Debtor can no longer defend the MFR
AR DO NOT ADJ CONF RESOLVE OR HOLD
Debtor obj (WITHDRAWN) <>JPMORGAN CHASE (FEIN, SUCH)
Matter ResolvedRequest
Adjourment
395/19/2020 9:00 am19-23712 / MBKWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/2/2020 9:00 am
Total Paid In: $8,624.00
***Adj to 6/2/20 Peremptory for $2,343 to post and debtors to sign up for eWage - Debtor to contact Anita for recap***
Debtor obj<>FAILED TO ENROLL IN EWAGE BY 3/31/20; ARREARS
Matter ResolvedRequest
Adjourment
405/19/2020 9:00 am19-25446 / MBKYAKOV RUDIKHMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
5/27/2020 9:00 am
Total Paid In: $2,060.00
5/8 AMT: Cured arrears, mtn to reinstate stay 5/27 ( SV entered 4/22)<<<>>>

**received upload - copy of $1,700 mailed to Tennessee on 4/30/20 - ADJ to 5/19/20 for payment to post***

ADJ request denied - no payment since October 2019.


Debtor obj, need time to become current<>ARREARS
Matter ResolvedRequest
Adjourment
415/19/2020 9:00 am19-26713 / MBKRUSSELL L LOW, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $5,976.00
AMT: MP 5/19***HONOR ROLL***<<<>>>

ADJ TO REVIEW PLAN AND UPDATED BUDGET AND POI
NA at 9 AM call
mp by 4-14 needs to be on at 2pm-low to set up court call EDC

-adj denied - MP was to be filed way back on 1/11 but still hasn't been filed EDC

AR CLAIMS MOTION ON FOR 3-31 BUT STILL NEED MP BECAUSE PLAN WAS DENIED
Debtor obj, filled clm mtn<> PLAN WAS DENIED ON 12/11/19; DEBTOR FAILED TO FILE A FEASIBLE PLAN BEFORE 1/11/2020
Matter ResolvedRequest
Adjourment
425/19/2020 9:00 am19-27507 / MBKPRO SEMotion Relief from Stay (Fee)Continued
6/24/2020 9:00 am

ADJ to 6/24/20 Peremptory
Debtor obj<>SPECIALIZED LOAN (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
435/19/2020 9:00 am19-29541 / MBKTHOMAS J ORR ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $5,050.00
Debtor obj><>FREEDOM MTG (PHELAN)
Matter ResolvedRequest
Adjourment
445/19/2020 9:00 am19-29995 / MBKROBERT C NISENSON ESQCreditor Certification of DefaultWithdrawn
US BANK (Phelan)
Matter ResolvedRequest
Adjourment
455/19/2020 9:00 am19-30444 / MBKROBERT C NISENSON ESQMotion Relief from Stay (Fee)GrantedTotal Paid In: $2,200.00
Debtor obj<>BCB COMMUNITY BANK (BRAVERMAN & LESTER)
Matter ResolvedRequest
Adjourment
465/19/2020 9:00 am19-31640 / MBKJAMES J CERBONE, ESQMotion Relief from Stay (Fee)Granted
SHELLPOINT MTG (KML)
Matter ResolvedRequest
Adjourment
475/19/2020 9:00 am19-31875 / MBKSTEPHANIE RITIGSTEINMotion Relief from Stay (Fee)Continued
6/24/2020 9:00 am

Debtor obj<>WELLS FARGO BANK (RAS)
Matter ResolvedRequest
Adjourment
485/19/2020 9:00 am20-10177 / MBKDaniel Straffi, Esq.Motion Relief from Stay (Fee)Continued
6/10/2020 9:00 am

Debtor obj<>U.S BANK NAT'L ASSOC (ROMANO GARUBO & ARGENTIERI)

Matter ResolvedRequest
Adjourment
495/19/2020 9:00 am20-10265 / MBKROBERT C NISENSON ESQMotion Relief from Stay (Fee)Moot - Dismissed
MARINER FINANCE (WILLIAM BREWER)
Matter ResolvedRequest
Adjourment
505/19/2020 9:00 am20-11810 / MBKAndrew Thomas Archer Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $6,609.00
LOSS MIT/SPECIALIZED LOAN SERVICING
Matter ResolvedRequest
Adjourment
515/19/2020 9:00 am20-11979 / MBKSTEPHANIE RITIGSTEINMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Withdrawn
Matter ResolvedRequest
Adjourment
525/19/2020 9:00 am20-12729 / MBKVeer P Patel Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
6/24/2020 9:00 am

Trustee Obj
Matter ResolvedRequest
Adjourment
535/19/2020 9:00 am20-12829 / MBKWilliam H. Oliver, Jr., Esq.Motion CompelWithdrawn
MTN FOR PYMT OF AUTO LOSS PROCEEDS/PAYOFF ONEMAIN FINANCIAL VEHICLE LOAN AND REMAINING BALANCE TO DEBTOR C/O OLIVER
Matter ResolvedRequest
Adjourment
545/19/2020 9:00 am20-14280 / MBKROBERT C NISENSON ESQOrder Shorten TimeOrder to be Submitted
OTBS
AMEND IAND J AND MOD PLAN 100%BY 5-29

10,000 ADDITIONAL EVERY 4 MO BEG 7-1-20
ar to review cert submitted
AR RESPONDED TO RUBEN EMAIL (AMT: attached)
interim order putting stay in effect

MULTIPLE FILINGS , CONTESTED
Ocean First obj (Ruben)<>MTN TO CONTINUE STAY/OST
Matter ResolvedRequest
Adjourment
555/19/2020 9:00 am20-15477 / MBKS DANIEL HUTCHISON ESQRequest for Loss MitigationOrder to be SubmittedTotal Paid In: $1,567.00
US BANK obj (Frenkel)<>REQUEST FOR LOSS MIT
Matter ResolvedRequest
Adjourment
565/19/2020 10:00 am16-13842 / MBKJOHN ZIMNIS, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 43 of 52 required payments   Arrears: $350.00  Total Paid In: $15,125.00
As of 5/12/20 (DS): Ok to confirm at $14,775 paid, $350 x 4 begin 6/1/20 100% to gucs

MP Prop $14,425 paid, $350 x 6 (total 54 months) 100% - Part 4a referenced that Trenton Tax POC has been pd in full, thus they should no longer get paid any more Trustee pymts. Part 1b also references that the funds returned to Trustee should be applied to the remainder of Plan.
Matter ResolvedRequest
Adjourment
575/19/2020 10:00 am16-19302 / MBKCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 22 of 50 required payments   Arrears: $55.00  Total Paid In: $12,200.00
updated 5/13/2020

to confirm need $11,168.55 paid to date, $543x36 begin 6/1/2020 base plan
-student loans remain outside plan
-plan to be exteded 24 months per COVID 19 Certification

issues as of 5/12/2020

1) Modified plan seeks to extend plan to total 84 months per impact of COVID-19 - has not filed required COVID-19 Certification PROVIDED
2) Not current with plan payments under modified plan terms, arrears $315.03 RECAPPED PLAN PAYMENT GOING FORWARD
3) Modified plan fails to list the correct amount to be paid to Santander Consumer USA - there is an order 11/21/2016 setting cram amount to $6,586, not $5,286 TRUSTEE PAYING PER ORDER
4) Will need higher plan payment to pay claims due to arrears and the higher claim that was not correct in your modified plan

proposed plan $232x46, $406.79x38 base plan
paid in $11,168.55
arrears $315.03
12 months to go in current plan
36 months to go per proposed modified plan
Matter ResolvedRequest
Adjourment
585/19/2020 10:00 am17-17730 / MBKEric ClaymanConfirmation Hearing on Modified PlanConfirmedDebtor has made 40 of 39 required payments   Arrears: $206.00  Total Paid In: $8,262.00
ISSUES AS OF 5/12/2020 (DM):

***In order to pay the minimum dividend as required by the previous confirmed plan, THE TRUSTEE WOULD NEED TO RECOMMEND CONFIRMATION AT $7,850 PTD, THEN $206 x 11 STARTING 5/1/20, MINIMUM DIVIDEND OF $2,500***

1) Trustee OBJ:
- The modified plan does not pay the required $2,500 threshold dividend to general unsecured creditors as determined by the originally confirmed plan.


Confirmed Case: $2,111 Ptd, $206 x 35 start 4/1/18, $2,500 Min Div
Prop. MP: Ptd, $206 x 8 start 4/1/20, $1,000 Min Div
PTD = $7,850
Last Claim (6-1) dated 8/31/17
Matter ResolvedRequest
Adjourment
595/19/2020 10:00 am18-24207 / MBKSTEVEN N. TAIEB, ESQ.Confirmation Hearing on Modified PlanContinued
5/27/2020 10:00 am
Debtor has made 19 of 24 required payments   Arrears: $1,462.00  Total Paid In: $29,290.00
CERT FILED - SEE DOC #80 (DM)

Trustee COVID-19 obj filed - need proper evidence (DM).
Matter ResolvedRequest
Adjourment
605/19/2020 10:00 am18-28614 / MBKJOHN F. BRACAGLIA, JR, ESQ.Confirmation Hearing on Modified PlanContinued
6/2/2020 3:00 pm
Debtor has made 21 of 22 required payments   Arrears: $500.00  Total Paid In: $10,500.00
AR DEBTOR DOES NOT AGREE TO TERMS
 5/5/20: ADJ BY MBK TO 5/19/20 - DEBTOR'S COUNSEL AND CREDITOR'S COUNSEL TO GET APPROVAL ON TRUSTEE PROPOSED CONFIRMATION TERMS PENDING RESOLUTION OF THE DEBTOR'S MOTION TO MODIFY THE MTG CLAIM.

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


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

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

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

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

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

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

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

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


Confirmed Case: $4,500 Ptd, $500 x 51 start 7/1/19, 100% Plan
Sale by 12/31/19
Prop. MP: $500 x 60 start 10/1/18, Base Plan
Sale by 2/13/20
PTD = $9,000
Last Claim (2-1) dated 11/27/18
Matter ResolvedRequest
Adjourment
615/19/2020 10:00 am19-10700 / MBKMarc C. Capone, Esq.Confirmation Hearing on Modified PlanMoot - DismissedDebtor has made 15 of 18 required payments   Arrears: $0  
Total Paid In: $3,104.00
AR ORDER POST ?
ISSUES AS OF 5/12/2020 (DM):

***Current MP is not feasible based upon stay relief obtained by Freedom Mtg on 4/28/20***

1) Freedom Mtg (PLUESE) obtained stay relief on Turtle Hollow Dr property - plan not feasible (UNRESOLVED).

2) Freedom Mtg (PLUESE) OBJs to further extension of refi date in the proposed MP on Turtle Hollow Dr property (UNRESOLVED).

3) MP proposes $3,841.39 pay in full treatment to US Bank on 2014 Mercedes Benz E350 - Trustee to set up claim at $4,507.79 per POC in accordance with the previous confirmed plan since MP does not propose a cram.


Confirmed Case: $750 Ptd, $214 x 55 start 7/1/19, 100% Plan $933,944 Min Div
- sale or refi by 8/31/19
Prop. MP: $2,676 Ptd, $150 x 21 start 5/1/20, 100% Plan
- sale of Apple Blossom by 10/31/20
- Refi of Turtle Hollow by 10/31/20
PTD = $3,104
Last Claim (4-1) dated 2/27/19
Matter ResolvedRequest
Adjourment
625/19/2020 10:00 am19-15614 / MBKJOHN ZIMNIS, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 15 of 16 required payments   Arrears: $400.00  Total Paid In: $6,000.00
ISSUES AS OF 5/12/2020 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $5,600 PTD, THEN $400 x 22 STARTING 6/1/20, BASE PLAN, LOAN MOD WITH WELLS FARGO BY 8/31/20, NO PAYMENT OR RESERVE BY THE TRUSTEE PENDING THE LOAN MOD***

1) Wells Fargo (SHAPIRO) OBJs to further extension for a Loan Mod (AMENDED CONSENT ORDER ENTERED - LOAN MOD BY 8/31/20).


Confirmed Case: $400 x 36 start 4/1/19, Base Plan
Prop. MP: Ptd, $400 x 36 start 4/1/19, Base Plan, Loan Mod by 8/31/20
PTD = $5,600
Last Claim (11-2) dated 6/18/19
Matter ResolvedRequest
Adjourment
635/19/2020 10:00 am19-17417 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
6/2/2020 10:00 am
Debtor has made 19 of 15 required payments   Arrears: $523.00  Total Paid In: $9,684.00
AR ONLY ISSUE IS CONDITIONS IMPOSED BY LENDER ATTY
AS Of 5/15/20(mk):
OTBS LOAN MOD BY 7-15-20

>>#1 needs resolution as if allowed, will change plan numbers.

1. Objection by MidFirst Bank(Shapiro):
MP Does NOT CURE Post Pet Arrears - per Order 1/4/20(#66)

2. Trustee Objection:
MP has LM so it cannot be 0%, must be a base.
Arrears $792 at time of filing MP have to be added in.


MP proposes $490 x 24, begin 4/1/20,0% LM w/in 6mos of Conf. ( Debtor in trial LM Now). MP shortens plan from 58 to 36 .
Plan has run 13 mos.
Plan was confirmed at 3,360 PD TO DATE (7 MOS) $1,052 X 51 BEGIN 12/1/19; 0%;
Matter ResolvedRequest
Adjourment
645/19/2020 10:00 am19-22501 / MBKCAMILLE J KASSARConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 10 of 13 required payments   Arrears: $0  

Adj request denied - case is 11 months old and previous adjournment was Peremptory.

ISSUES AS OF 5/12/2020 (DM):

***This appears to be a 1 creditor case and Debtor's last Trial Mod payment was in December - RESOLVE OR HOLD***

 3/30/20 - Received $158 - ADJ to 5/19/20 Peremptory.

 2/18/10 - AR, ATTY TO CONSIDER TREATING OUTSIDE AND CLOSING CASE.

 2/12/20 - Loan was recently transferred to US Bank - don't know what is happening with the Trial Mod

1) Nationstar (RAS) OBJs - $45,348.80 arrears (UNRESOLVED).
2) Trustee OBJ:
- Need updated homeowners insurance (RECEIVED).
- Need updated car insurance (RECEIVED).
- Proof of income verifies higher than scheduled (100% PLAN).
- Tax refund of $814 not prorated and included in disposable income calculation (100% PLAN).
- Need to confirm with Trustee standard Order of Distribution.
- Need to file Pre-Con Cert (FILED).


Prop. Plan $33.33 X 2, $74.79 x 3, $79 x 55, 100% Plan, Loan Mod by 12/2019
PTD 10/11 = $682.45
Last Claim (1-1)
Matter ResolvedRequest
Adjourment
655/19/2020 10:00 am19-22726 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 13 required payments   Arrears: $554.00  Total Paid In: $1,543.00
updated 5/15/2020
issues as of 5/12/2020

***ok to plan $1543 paid to date, $267x25 begin 6/1/2020 base plan

proposed modified plan $223x24 begin 4/1/2020 base plan
paid in $1543
arrears under terms of modified plan $223
26 months to go
Matter ResolvedRequest
Adjourment
665/19/2020 10:00 am19-23408 / MBKJOHN ZIMNIS, ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 8 of 12 required payments   Arrears: $0  

AR MFR ON FOR 5-19 RESOLVE OR HOLD
ISSUES AS OF 5/12/2020 (DM):

1) IRS filed an estimated priority claim (AMENDED TO $2,076 - OKAY TO PAY??)

2) Plan provides for priority payment for two DSO creditors - no POCs filed (PAY OR STRIKE??)

3) US Bank Cust filed $278.20 secured tax claim on Spring St property not treated in plan (OKAY TO ADD??)

4) Trustee OBJ:
- No proof of service on US Dept HUD cram (SERVED ON 3/14/20)
- Debtor has insufficient income to fund the plan. He is currently unemployed.
- Need copy of 2017 & 2018 tax returns (RECEIVED).


Prop. Plan $800 x 60, Base Plan
PTD 8/10 = $6,400
Last Claim (1-3)
Matter ResolvedRequest
Adjourment
675/19/2020 10:00 am19-25273 / MBKWARREN S JONES, JR ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 8 of 11 required payments   Arrears: $5,156.00  
5/13/20 - Atty is holding an additional $3,600 to send in - tax issues is close to being resolved - and request was made for an amended I&J with a P&L for the rental property - atty may submit a Certification if any explanation is needed - ADJ to 7/8/20 Peremptory.

ISSUES AS OF 3/12/2020 (DM):

1) IRS filed $3,847.54 priority claim that includes estimated taxes for 2016 (UNRESOLVED).

2) IRS filed $10,129.33 unsecured claim that includes estimated taxes for 2015 (UNRESOLVED).

3) Lakeview Loan Servicing (McCabe) OBJs - $63,397.37 arrears (PER ATTY, PAY PER POC).

4) USAA Fed Sav (SHAPIRO) OBJs - $40,837.42 arrears (CONSENT ORDER ENTERED TO PAY PER POC).

5) Trustee OBJ:
- Need amended Sch I to include full amount of monthly rental for 2 occupied units - only 1 unit is rented with a new prospective tenant that may move in April 1st (NEED UPDATE).
- Rental income verifies higher ($2,200) than scheduled ($106.83) resulting in $3,798 disposable income.
- There is $1,741 non-exempt equity in real estate (PER ATTY, OKAY TO PAY).
- Why is income and mtg for Pemberton property lower on Form 122c than Sch I&J? (RENT VARIED DURING THE MEANS TEST PERIOD).


Prop. Plan $1,751.38 x 60, Base Plan
PTD 6/9 = $10,509.44
Last Claim (8-1)
Matter ResolvedRequest
Adjourment
685/19/2020 10:00 am19-25790 / MBKDONALD C GOINS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 10 of 11 required payments   Arrears: $488.00  Total Paid In: $4,880.00
ISSUES AS OF 5/12/2020 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $3,904 PTD, THEN $488 x 52 STARTING 5/1/20, BASE PLAN, LOAN MOD WITH US BANK BY 6/30/20, NO PAYMENT OR RESERVE BY THE TRUSTEE PENDING THE LOAN MOD***

1) US Bank (FEIN) OBJs - $167,527.84 arrears (OTBS - Loan Mod by 6/30/20).

2) Ally Financial should also be served on the cram at the address listed in the POC (MANAGING AGENT WAS SERVED BUT ADDRESSED PROVIDED IN THE POC WAS NOT ALSO SERVED - address in POC served on 4/30/20).

3) Trustee OBJ:
- Debtor has insufficient income.
- Need Business forms for Just Right Eye Glass (UPLOADED 4/24/20).
- Need balance statement for 401(k) loan (UPLOADED 4/24/20).
- Must file Pre-confirmation certificate (FILED).


Prop. Plan $488 x 60, Base Plan, Loan Mod by 2/27/20
PTD 8/9 = $3,904
Last Claim (8-1)
Matter ResolvedRequest
Adjourment
695/19/2020 10:00 am19-26713 / MBKRUSSELL L LOW, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 8 of 11 required payments   Arrears: $1,550.00  Total Paid In: $5,976.00
AS Of 5/8/20(mk): - Atty ok with terms.sf

***CAN REC CONFIRM AT $5,052.92 PTD ;THEN $786 x 51; Begin 6/1/20:Base***

1.Objections to Orig. Plan were resolved by this MP.


MP:$4421.68 ptd $767.84 x 53; beg 4/1/20;base
Payments : 7/9
last claim: 6-1, bar date:11/9/19
Matter ResolvedRequest
Adjourment
705/19/2020 10:00 am19-27132 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
5/27/2020 10:00 am
Debtor has made 6 of 10 required payments   Arrears: $1,250.00  Total Paid In: $7,914.00
DM to adjourn to 5/27/20 at the terms below if he receives non-debtor spouse $377 car lease statement (screenshot not good enough)

ISSUES AS OF 5/13/2020 (DM): Updated 5/18/20

***TO RESOLVE TRUSTEE OBJECTIONS BELOW, RECOMMEND CONFIRMING AT $6,664 PTD, THEN $1,250 x 52 STARTING 6/1/20, BASE PLAN, ADD TO CONFIRMING ORDER: TRUSTEE IS AUTHORIZED TO PAY FREEDOM MTG ARREARS POC (13-1) IN THE AMOUNT OF $1,452.09 AND PIGNORA LOAN SVC ARREARS POC (19-1) IN THE AMOUNT OF $1,147.31***

 5/15/20 - Analyzing Cert Doc #31 - email sent to atty for car lease verification for non-debtor spouse.

 2/18/20 - AR, ATTY TO SEND ME AN EMAIL.

 1/6/20 Report of Debtor Audit filed: Material Misstatements - $11,775 under reported income on Statement of Current Monthly Income (FORM 122c WAS BLANK - AMENDED FORM 122c FILED WITH $11,784 TOTAL GROSS DISCLOSED AND CERTIFICATION (DOC #31) WITH EXHIBITS FILED TO ADDRESS ISSUES).

1) Pignora Loan Servicing/Cenlar (McCabe) OBJs - $1,147.31 arrears (PER ATTY, OKAY TO PAY).

2) Freedom Mtg filed $1,452.09 arrears claim on Gary Drive property (OKAY TO PAY??)

3) Ally Capital should also be served the cram at the address provided for in the POC (ADDRESS SERVED 3/26/20).

4) Trustee OBJ:
- Need Aug & Sept Capital One checking and savings acct statements (RECEIVED).
- Need amended Form 122c - schedule is blank - needs to be completed/amended (AMENDED).
 Need statements for the debtors two 401k loans (RECEIVED - NEED TIER BEGINNING 10/1/2022 RAISING PLAN PAYMENT BY $330/MONTH).

 SEE Cert Doc #31 filed 3/27/20 - the decreased rent figure was a NET rent figure ... rent should be $1,425 and rental property expenses should be listed on Sch J - Cert also addresses increase in expenses on amended Sch J).

***********************************
DISP INCOME ANALYSIS BELOW PRIOR TO
3/27/20 CERTIFICATION WITH EXHIBITS
***********************************

5) Disposable income verifies at $4,487.88 per month (JA ANALYSIS BELOW).

A) Debtor filed amended Sch I on 1
Matter ResolvedRequest
Adjourment
715/19/2020 10:00 am19-27666 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
6/16/2020 10:00 am
Debtor has made 8 of 10 required payments   Arrears: $1,440.00  Total Paid In: $11,136.00
AS OF 5/14/20 (SF) - Ok to adj to 6/16/20 to give atty time to provide 2 mos profit and loss statements for debtor's landscape business and amended I and J.

1. The bar dates have expired and there are no claims filed for Borough of Point Pleasant and CC1 NJ II LLC. Should these claims be stricken from the plan?

2. Amendments to Schedules I & J for debtor's new job (STILL NEED)

3. - Proof of 2 month's income - for debtors new job. Only 1 pay stub provided for Feb. (RECEIVED AND INCOME IS NOW NEGATIVE ($635.05)

4. Objection filed by Lakeview Loan Servicing (Schiller, Knapp) - failure to pay arrears of $68,013.09 (THE PLAN PAYS ARREARS)

5. Objection filed by Santander Consumer (Morton) - to cram (RESOLVED COTBS)


Plan proposes $1392 x 60 0%
Payments: 7/8 Arrears: $1392

RESOLVED ISSUES:
- Need August and September bank statements for TD savings accounts #0674 (RECEIVED, ACCT IS CLOSED) and #2096 (RECEIVED)
- Hyundai Lease filed secured claim with zero arrears. This creditor was not assumed in plan (MP REJECTS LEASE)
- Mariner Finance filed secured claim with zero arrears for 2002 Acura MDX. This creditor was not addressed in the plan (MP SURRENDERS)

***MBK ADJ TO 5/19/20, MAKE ANOTHER $1,392 PAYMENT, AND TRUSTEE TO REVIEW UPDATED PAY STUBS SUBMITTED 5/4/20***
Matter ResolvedRequest
Adjourment
725/19/2020 10:00 am19-27671 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 9 of 10 required payments   Arrears: $0  
Total Paid In: $1,800.00
BUILD PROTECTION IN SALE ORDER
AR ONLY ISSUE IS POWERS OBJ AND TERM FOR COMPLETING SALE
AR to email Powers to appear at 2 PM - atty agrees to work-up at 100%
ISSUES AS OF 5/12/2020 (DM): nothing has been done since the last court date - RECOMMEND DISMISSAL.

 3/31/20 - MBK needs to hear this one - debtor passed away and Nisenson intends to sell the property - so Judge should hear the case (SEE DM PURPLE NOTE). Wayne Christie to find out if someone has been appointed Executor- ADJ TO 5/19/20 PEREMPTORY.

1) Bank of America (POWERS) OBJs - $82,429.64 arrears and no evidence of sale efforts (UNRESOLVED).

2) Trustee OBJ:
- There is $188,653 non-exempt equity in real estate - plan needs 100%
- Need to file Pre-Confirmation Certification (FILED).
- Trustee must receive non-exempt proceeds from sale of real estate.
- Need listing agreement and realtor appointed within 30 days (UNRESOLVED).


Prop. Plan $200 x 60, Base Plan, sale in 6 months
PTD 6/8 = $1,200
Last Claim (9-1)
Matter ResolvedRequest
Adjourment
735/19/2020 10:00 am19-28780 / MBKWARREN LEVYConfirmation Hearing on Modified PlanDismissedDebtor has made 1 of 9 required payments   Arrears: $0  

NA & RAS is present
5/6 workup for the 5/19 calendar EDC
* 3/27/20 (DS): Debtor attorney requested adjournment to file mod plan to remove loan mod. AS OF 5/6 STILL DID NOT FILE MP AND 2 PAYMENTS IN ARREARS. RECOMMEND DISMISSAL EDC

3/13/20 - Per RAS email, Selene objects to MP.

As of 3/9/20 (DS): 1. BELOW ISSUES NOT RESOLVED

12/3/19 (DS): 1. Trustee obj to the following:
- Need 2018 Tax return for spouse.
- Excessive expenses on Sched J such as: Home maintenance $250 and Food $800, but is moot, since plan is paying 100%.
- There is non-exempt equity on real property $27,101.77. Confirm 100%, due to non-exempt equity.
- Must resolve creditor objection.
- Must file Pre-confirmation certificate.

2. Selene obj to loan mod and arrears not paid. Obj must be resolved. MOD PLAN PROPOSE TO ARREARS PENDING THE OUTCOME OF LOAN MOD. OBJ RESOLVED WITH CREDITOR?

Prop Plan $275 x 4, $1,175 x 56 100% and Loan mod on Berrel Ave by 6/30/20
Note: IRS estimated claim amended. Auto insurance provided.
Matter ResolvedRequest
Adjourment
745/19/2020 10:00 am19-29433 / MBKRUSSELL L LOW, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 252500.00 of 9 required payments   Arrears: $0  
Total Paid In: $252,500.00
ISSUES AS OF 5/13/2020 (DM): Updated 5/18/20

***Non-exempt proceeds from sale of Prospect Pl property were $402,000. AR agreed to a release of a portion of the proceeds to the debtor if $250,000 was immediately forwarded to the Trustee. If paying claims below and Trustee approves confirmation with outstanding estimated claims due to case payoff, THEN CONFIRMATION WILL BE RECOMMENDED AT $2,500 PTD, THEN $250,000 LUMP SUM PAYMENT BY 6/1/20, 100% PLAN; ADD TO CONFIRMING ORDER: DEBTOR MUST MOVE AGAINST STATE OF NJ POC (9-1) IF CLAIM IS NOT AMENDED WITHIN 60 DAYS, TRUSTEE SHALL BE AUTHORIZED TO PAY THE STATE OF NJ AMENDED POC IF THERE ARE NO ESTIMATED TAXES REFLECTED IN THE AMENED CLAIM; AND DEBTOR MUST MOVE AGAINST BAYVIEW $3,907.07 ARREARS POC (10-1) IF THE CLAIM IS NOT AMENDED WITHIN 60 DAYS; TRUSTEE SHALL PLACE A RESERVE HOLD ON POC (9-1) AND POC (10-1) AND IF NO MOTION IS FILED BY 6/19/20, THE RESERVE HOLD WILL BE RELEASED ON POC (10-1) ONLY AND TRUSTEE SHALL BE AUTHORIZED TO PAY ARREARS POC (10-1) AS FILED***

1) State of NJ filed $1,195.74 priority claim that included estimated taxes for 2016 - 2017 not treated in plan (UNRESOLVED).

2) State of NJ filed $6,783.42 secured claim not treated in plan (OKAY TO ADD??)

3) State of NJ filed $3,238.62 unsecured claim that included estimated taxes for 2012 - 2015 (UNRESOLVED).

4) Creditor, 425 Heights Tenant Corp - Prospect Pl property (Norris McLaughlin) OBJs to confirmation (CONSENT ORDER ENTERED - STAY VACATE 2/27/20 AND CLAIM TREATED OUTSIDE PLAN - PROPERTY SOLD AND CLAIM PAID AT SALE)

5) PHH Mtg - Myrtle Ave property (RAS) OBJs - $68,410.06 arrears (CONSENT ORDER ENTERED - PAY PER POC).

6) Bayview filed $3,907.07 arrears claim on Peach Tree Rd property (OKAY TO ADD??)

7) Trustee OBJ:
***100% PAYOUT RENDERS ISSUES BELOW MOOT***
- Need proof of rental income - need lease agreements
- Need homeowner's insurance renewal for Peach Tree Rd and Myrtle Ave properties - insurance expired Jan 2020
- Plan does not spec
Matter ResolvedRequest
Adjourment
755/19/2020 10:00 am19-29533 / MBKPETER E ZIMNIS, ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 3 of 9 required payments   Arrears: $0  

AS OF 5/14/20 (SF) - Per atty ok to dismiss/hold fees.

ARREARS 1097 LAST PAY 2-24
1. Objection filed by Deutsche Bank (RAS Citron) - failure to pay arrears of $19,607.62 (STAY VACATED ON 4/15/20)

2. Improper service to Nationwide Credit. Did not serve at street address

3. Flagship Credit Acceptance filed arrears claim for $565 (OK TO PAY?)

4. South Fork at Ewing Homeowner Assoc filed bifurcated claim 1-1 for $10.650.42 secured and $24,224.26 unsecured (MUST ADVISE HOW CLAIM SHOULD BE PAID)

5. Trustee objection:
Need the following:
- A current market analysis - of Wyndham Timeshare in San Diego, not listed on Schedule A or plan.
- A copy of the last filed tax return - 2018.
- Updated auto insurance, insurance expires 2/7/20.
- A copy of the deed - from Timeshare.
- A Modified Plan that marks off Part 8d post-petition claims.
- Need 2019 1099 Form from consulting employment.
- Must file Pre-confirmation certificate.

Plan proposes $271 x 60 Base
Payments: 3/7 Arrears: $1097

Matter ResolvedRequest
Adjourment
765/19/2020 10:00 am19-29622 / MBKKarina Pia Lucid Confirmation Hearing ScheduledConfirmedDebtor has made 8 of 9 required payments   Arrears: $1,711.00  Total Paid In: $13,688.00
per AR CAN CONF AT: $11,977 paid then $1,711 x 53 beg 6/1/20 with LM by 8/19/20-min $32,025- 100%--priority to State of NJ, secured to Bank of America and Somerset County not to be paid by trustee because no POC filed.

-5/19 workup for the 5/27 calendar

As of 3/27/20 (DS): Debtor attorney requested adjournment to file mod plan(NOT FILED AS OF 5/12)
* can confirm at 100% if LM issue resolved. Min $32025 due to timeshare equity-secured payments to Bank of America and Somerset County not to be paid by trustee because no POC filed.

* Trustee obj to the following:
- Need bank statements 2 months prior to filing date from credit union for Debtor, per proof of income $133 bi-weekly.(OK)
- Need Deed and CMA for timeshare.(DONE $36,868 value)
- Must provide explanation (Certification) for Bank of America acct UTMA acct for minor daughter had $12,000.30, large deposit were
made to acct from Debtors checking acct $10,000 on 10/21/19, then large withdrawals were made from the acct from 10/25/19 -
11/12/19 over $8,000, leaving the bank acct with $0.20.(OK per cert trying to avoid levy-these are paychecks)
- Debtor has undertaken an improper use of exemption. Specifically: over exempts d(5), takes full d(1), only allowed joint $2,650.(OK)
- Excessive expenses on Sched J such as: Daughter's braces listed twice on Sched J $100 each. Food $1,000 and food maintenance
on Debtor's income $1,139.34 total food $2,139.34 for family of 4.(OK 100%)
- 22c has disposable income $6,714.66, income also verifies higher. (Plan propose 100%.)
- There is non-exempt equity on timeshare (pending review of documents), bank accounts (pending review of credit union statements)
and personal assets $27,225.89, not sure of amount with timeshare.
- Arrears claim filed by Capital One $538.80, needs to be paid or move against the claim.(WILL PAY BECAUSE HAVE NOT MOVED
AGAINST AND ORDER IS SILENT)
* JPMorgan Chase obj to loan mod and arrears not paid. Obj must be resolve
Matter ResolvedRequest
Adjourment
775/19/2020 10:00 am19-29815 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 11 of 9 required payments   Arrears: $198.00  
ADJ to 6/24/20 Peremptory and respond to disposition list within 14 days of 5/19/20
AS OF 5/14/20 (SF) NOT CURRENT. ARREARS: $488 LAST PAYMENT RECEIVED IN JANUARY 2020

1. Objection filed by The Bank of NY Mellon (RAS Crane) - speculative sale and appraisal is needed to demonstrate feasibility.

2. The plan proposes to pay mortgage in full thru the plan in the amount of $986,624 which is not feasible (Claim amount is actually $737,560.88) Most likely this will be paid at sale

3. Trustee objection:
- Need updated car insurance for the 2002 Chevy. (RECEIVED)
- Amendments to Schedules sch I to add rental income (STILL NEED)
- The debtor has undertaken an improper use of exemption. Specifically: The Debtor has exceeded the 522(d)(5) exemption.
- There is $78,211.11 in non-exempt equity in the residence. (REQUIRES 100% PLAN)
- There is $2,523 in non-exempt equity in his bank accounts.
- Need to file Pre-Confirmation Certification.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (FILED AND CONSTESTED)
- correction of social security number on petition. The first 3 numbers do not match the card. (SCHEDULE AMENDED BUT NEED CERTIFICATION FROM ATTORNEY THAT THE NUMBER IS CORRECT)

Plan proposes $122 x 60 Base, Sale in 12 months
Payments: 3/7 Arrears: $488
Matter ResolvedRequest
Adjourment
785/19/2020 10:00 am19-30263 / MBKDAVID E. SHAVERConfirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 1 of 9 required payments   Arrears: $2,800.00  
ADJ to 7/14/20 Peremptory
ISSUES AS OF 5/13/2020 (DM):

1) IRS filed $21,542.16 priority claim that includes estimated taxes for 2016 - 2017 (UNRESOLVED).

2) New Residential Mortgage/Ditech (RAS) OBJs - $96,706.16 arrears (UNRESOLVED).

3) Inconsistent Plan Treatment - student loans are treated as outside plan and pro-rata inside plan after payment of priority and general unsecured claims (TRUSTEE SHALL TREAT STUDENT LOANS OUTSIDE).

4) Inconsistent Plan Treatment - proposed plan is 100% and pro-rata (TRUSTEE SHALL TREAT PLAN AS 100%).

5) Trustee OBJ:
- The debtor has insufficient income - income is negative.
- The debtor has failed to file a feasible plan - due to negative income.
- Need business P&L statement (UNRESOLVED).
- Need Trustee business forms for Trinity Processing LLC (UNRESOLVED).
- There is $50,000 non-exempt equity in the business.
- Need to file Pre Confirmation Certification (UNRESOLVED).
- Need to resolve estimated tax claims (SEE ABOVE).


Prop. Plan $100 x 6, $1,000 x 54, 100% Plan
- Loan Mod by 6/1/20
- Student loans outside
PTD 6/7 = $700
Last Claim (7-2)
Matter ResolvedRequest
Adjourment
795/19/2020 10:00 am19-30515 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 9 required payments   Arrears: $474.00  Total Paid In: $1,659.00
5/11 workup for the 5/19 calendar - Atty ok with terms.sf

****CONFIRM AT: $600 paid then $1059 x 1 beg. 5/25/20 then $237 x 53 beg. 6/1/20 0%--Claim #6 filed by Global Lending in the amount of $5,543.04 will be paid through the plan pursuant to Order entered 3/18/20.


* Atty to respond with his calculation re income.-(DONE-trustee is OK with attorney calculations-expenses are low-can be 0%).
* Debtor is 4 payments in arrears to trustee. No payments since January-ATT MADE$1059 payment per 5/18 email
* Claim #6 filed by Global Lending in the amount of $5,543.04 will be paid through the plan pursuant to Order entered 3/18/20.

_________________________________________________

AS OF 5/12/2020 (at):

RECOMMEND: $600 PAID TO DATE, $339 x 55 BEGINNING 4/1/2020, BASE
Claim #6 filed by Global Lending in the amount of $5,543.04 will be paid through the plan pursuant to Order entered 3/18/20.

1. Need to resolve the estimated claim #1 filed by the IRS. (NO LONGER ESTIMATED)

2. Objection filed by Global Lending (KML Law) - cram is too low, 2011 Nissan undervalued and interest rate is lower than till rate. (RESOLVED)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Amendments to Schedules : Amend Sch I for per diem income. (OK)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- income verified higher than the amount scheduled - net monthly income is $668.87 - cannot be a zero percent plan, must be base plan

Plan proposes: $237 x 60, $0 to guc's
Payments: almost 3/7, arrears $1,059
Matter ResolvedRequest
Adjourment
805/19/2020 10:00 am19-30606 / MBKGARY L MASON ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $0  

AS OF 5/14/20 (at):

CONFIRMATION ADJOURNMENT REQUEST DENIED. NO 341 DUE TO MISSING DOCUMENTS.

1. 341 has not been held or rescheduled
2. Payments: 1/2, arrears $355
Matter ResolvedRequest
Adjourment
815/19/2020 10:00 am19-30834 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 2 of 8 required payments   Arrears: $400.00  Total Paid In: $1,200.00
amendment filed and docs uploaded 5/15/20 - need to review

ISSUES AS OF 5/13/2020 (DM):

1) Trustee OBJ:
- Must file Pre-Confirmation Certificate (UNRESOLVED).
- Need proof of income for new job in Florida (UNRESOLVED).
- Tax refund of $6,758 was not prorated and included in disposable income calculation.
- Proof of income also verifies higher - there is $604 in disposable income.
- Disposable income verifies higher due to excessive expenses.
- Need amended Sch I&J to include new job and address expense objections below (UNRESOLVED).

- Excessive Expenses: $750 Food and $100 School Breakfast/Lunch total $850 for household of two; $200 Childcare and $50 Child Expenses total $250; and $345 Transportation and $75 auto maintenance total $420.

- Form 122c fails to add back tax refund of $563 - there would be $594 in monthly disposable income which would require a $35,672 minimum dividend to gucs.

******************************
RESOLVED
- Debtor must file a change of address form (FILED).
- Need proof auto insurance (RECEIVED).


Prop. Plan $100 x 60, Base Plan
PTD 6/6 = $600
Last Claim (3-2)
Matter ResolvedRequest
Adjourment
825/19/2020 10:00 am19-30871 / MBKADAM SCHNEIDER, ESQConfirmation Hearing on Modified PlanContinued
6/10/2020 10:00 am
Debtor has made 7 of 8 required payments   Arrears: $1,370.00  
ADJ to 6/10/20 Peremptory
ISSUES AS OF 5/12/2020 (DM):

1) State of NJ filed a $27,670.84 priority claim that includes estimated taxes for 2016 and 2018 (UNRESOLVED).

2) State of NJ filed a $14,105.26 unsecured claim that includes estimated taxes for 2015 (UNRESOLVED).

3) MP provides $163,777.46 secured treatment to Phoenix Sales & Services - no POC filed (UNRESOLVED).

4) M&T Bank filed $62.33 arrears claim (OKAY TO PAY?? - Per email, okay to pay).

5) Trustee OBJ:
- Information on sale of boat and proceeds received (100% PLAN).
- Need amendments to schedules to reflect sale of boat & proceeds received (100% PLAN).
- There is non-exempt equity of $22,403 and $40,780 in real estate and an unknown amount for the boat - pending review of docs from sale and secured claims filed (100% PLAN).
- Need MP that adds all cram downs to Part 4d and Part 7 and removes Phoenix Sales and Services from Part 4g (MP REMOVES CRAM).
- Need service to creditors in motion if cramming Phoenix and Services (MP REMOVES CRAM).
- Plan is not feasible - there is no disposable income (MP IS A SALE PLAN OF BOTH PROPERTIES).

Note: Homeowner insurance provided for both properties.


Prop. Plan $1,370 x 60, 100% Plan
- sale of Venice Dr property within 12 months
- sale of Elena Ct property within 3 years
PTD 6/6 = $8,220
Last Claim (17-1)
Matter ResolvedRequest
Adjourment
835/19/2020 10:00 am19-30881 / MBKRICHARD OBUCH, ESQConfirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 7 of 8 required payments   Arrears: $25.00  
5/11 workup for the 5/19 calendar EDC
NOTHING DONE SINCE LAST updated 3/19/2020:

1) Nationstar Mortgage/Mr. Cooper (Gross Polowy) objection to confirmation - need to resolve
-plan proposes loan mod, this is speculative
2) PNC Bank (Martone) objection to confirmation (Martone) objection to confirmation - need to resolve
-plan fails to pay arrears through the plan
3) Trustee objection to confirmation - need to resolve
-proof of 2 months income - debtor and spouse are W-2 employees of his business STILL NEED SPOUSE PAYSTUBS
-business profit & loss statements STILL NEED TO PROVIDE A PROFIT AND LOSS STATEMENT
-business forms - for Al Damato Service Center Inc STILL NEED TO PROVIDE BUSINESS FORMS
-need Amendments to Schedule B, I and Statement of Financial Affairs to add business
-the debtor is not paying all disposable income into the plan - proof of income verifies higher, per proof of income provided for spouse, still pending 2018 tax return
-must file Pre Confirmation Certificate
-plan should be 100% based upon recent Chapter 7 discharge

RESOLVED ISSUES FROM TRUSTEE OBJECTION:
-need a copy of the last filed tax return - 2018 tax return RESOLVED, RETURN PROVIDED
-need a copy of the homeowners insurance renewal declaration - RESOLVED, RENEWAL PROVIDED
-life insurance statements with cash valve RESOLVED, NET CASH VALUE $11,055.12 SCH C EXEMPTS $12,000

proposed plan $25x36 base plan loan mod by 5/5/2020
paid in $100
last claim 2-1
Matter ResolvedRequest
Adjourment
845/19/2020 10:00 am19-30896 / MBKEVAN N PICKUS, ESQConfirmation Hearing on Modified PlanMootDebtor has made 7 of 8 required payments   Arrears: $0  
Total Paid In: $4,724.00
5/6 workup for the 5/19 calendar

Plan (doc 7) was just confirmed on 5/5/20- This plan (doc 33) was filed on 4/16/20--This plan should be marked moot EDC
Matter ResolvedRequest
Adjourment
855/19/2020 10:00 am19-31219 / MBKPETER E ZIMNIS, ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 34 of 8 required payments   Arrears: $0  

ISSUES AS OF 5/12/2020 (DM):

***Once estimated tax claims are resolved, the debtor will need $476 x 54 going forward to service secured and priority claims***

 1) IRS filed an unsecured claim that includes estimated taxes for 2013 (UNRESOLVED).

2) State of NJ filed $414.51 amended priority claim not treated in plan (OKAY TO ADD??)

 3) State of NJ filed an amended unsecured claim that includes estimated taxes for 2012 - 2013 (UNRESOLVED).

4) Hamilton Twp Sewer Utility filed $446.72 secured claim not treated in plan (OKAY TO ADD??)

5) Capital One Auto Finance obtained stay relief on 3/4/2020 for 2016 Nissan Sentra that was repossessed pre-petition.

6) Trustee OBJ:
- Need an updated CMA - screenshot is unacceptable (RECEIVED).
- Need updated paystubs from December 2019 and January 2020 (RECEIVED).
- Need BOA business account statement for October 2019 (RECEIVED).
- Plan does not specify treatment of Capita Auto Finance (repossessed) and Hamilton Township (SEE ABOVE).
- The proposed Order of Distribution departs from Trustee standard (MOOT - PLAN CALLS FOR STANDARD ORDER OF DISTRIBUTION).


Prop. Plan $471 x 60, Base Plan
PTD 6/6 = $2,826
Last Claim (4-2)
Matter ResolvedRequest
Adjourment
865/19/2020 10:00 am19-31306 / MBKEUGENE ROTH, ESQConfirmation Hearing ScheduledConverted to 7 / 11Debtor has made 6 of 8 required payments   Arrears: $0  

5/18/20 - Per Atty, case to be converted to Chapter 7.sf

5/11 workup for the 5/19 calendar EDC

****If creditor objection resolved we can CONFIRM AT: $1758 paid then $325 x 30 beg 6/1/20-pro rata-trustee to rec non exempt sale proceeds of home by 9/1/20-student loans paid outside

* US Bank Trust (Phelan) objection to confirmation - need to resolve
-arrears $315,168.84

*Trustee objection to confirmation - need to resolve
-unnecessary/excessive expenses on Schedule J: Food $750, Life Insurance $148.23 INVOICE PROVIDED and Auto Insurance $508.32
INVOICE SHOWS CAR INSURANCE IS $638.75/MONTH FOR RENEWAL
-the debtor is not paying all disposable income into the play - proof of income provided verifies higher $472 monthly disposable(OK to
compromise at $325 going forward EDC
-must resolve creditor objection
-must add to confirming order non exempt proceeds from sale of real property to Trustee

-----------------
-need value of life insurance policy prior to filing date 2019 CASH VALUE TOTAL $7,626.23 AS OF 7/31/2019, SAME AS LISTED IN SCHEDULES, EXEMPTED
-need homeowners insurance which provides proof that Debtor has personal liability coverage. Document provided is a bill for the policy PROVIDED
-must file pre confirmation certification with court(done)

-need the property settlement agreement to verify house proceeds to be split with ex husband PROVIDED
-updated auto insurance, if not confirmed by 3/3/2020, auto insurance provided expired 2/14/2020 PROVIDED RENEWAL
-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 $13,908.66 PROOF OF CLAIM FILED IS MUCH HIGHER THAN AMOUNT ON SCHEDULE D, THERE IS NO NON EXEMPT EQUITY

proposed plan $293x36 base plan with sale of property in 6 months
paid in $879
last claim 12-1
Matter ResolvedRequest
Adjourment
875/19/2020 10:00 am19-31417 / MBKSTEVEN J ABELSON, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 7 of 8 required payments   Arrears: $0  
Total Paid In: $2,658.00
As of 5/12/20 (DS): Ok to confirm at $1,946 paid, $356 x 54 begin 6/1/20 Base with a minimum dividend $13,740 to gucs

MP Prop $1,590 paid, $356 x 55 Dollar Base $13,740 - Plan payment increased and revised to add LVNV to pay its secured claim in full.
Matter ResolvedRequest
Adjourment
885/19/2020 10:00 am19-31640 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 3 of 8 required payments   Arrears: $0  

AR MFR ON FOR 5-19 WO OPPOSITION , IF PYMT RECD AND DEBTOR WANTS TO FILE MP OK TO ADJ
AS OF 5/14/20 (SF) NOT CURRENT WITH PAYMENT: 3/6 ARREARS: $7,131

1. Old Brdige did not file a claim and the bar date has expired. Should this claim be stricken from plan?

2. Motion for Relief by Shellpoint scheduled for 5/19/20 at 9 (NEED OUTCOME)

3. Trustee objection:
- Need proof of 2 month's income - Need additional pay stubs and breakdown of how debtor's income was calculated. (INCOME VERIFIES AT $1546.75)
- Amendments to Schedules B & C to include the Audi and Santander

Plan proposes $2377 x 60 0%
Payments: 3/6 Arrears: $7,131

RESOLVED ISSUES:
1. Objection filed by Santander (Morton) - plan is silent as to creditor (OTBS, Santander is unaffected)
2. FIG Cust FIGNJ19LLC filed secured claim for $11,816.80 which is not addressed in plan (OK TO PAY?)YES
- File pre-confirmation certification (FILED)
- Need amended Schedule J to include auto payment and need proof of current auto insurance (RECEIVED)
Matter ResolvedRequest
Adjourment
895/19/2020 10:00 am19-31773 / MBKEUGENE ROTH, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 7 of 8 required payments   Arrears: $736.00  Total Paid In: $5,152.00
AS OF 5/14/20 (SF)


RECOMMEND $736 X 60 (BEGIN 12/1/19) BASE PLAN
- N/E PROCEEDS FROM INHERITANCE TO BE TURNED OVER TO TRUSTEE


1. Trustee objection:

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

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

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


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

RESOLVED ISSUES:

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

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

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

-. Must file pre-confirmation certification. (FILED)
- Amended schedules A,B & C were filed 3/12/20. Schedule B #25 lists co debtor's 25% interest in the Estate of William Smith and valuation of -0-. Prior information provided to the Trustee indicated the co debtor's interest was in the Estate of John Edward Smith and the Language in the Plan that referred to William Smith was a typo. The Trustee requests
Matter ResolvedRequest
Adjourment
05/19/2020 10:00 am19-32353 / CMGDaniel Straffi, Esq.AP Hearing Rescheduled (Document)Continued
6/2/2020 10:00 am
Total Paid In: $700.00
AP 20-1127 DEBTOR MTN TO DISMISS AP
Matter ResolvedRequest
Adjourment
905/19/2020 10:00 am19-32461 / MBKSTEVEN J. SICOConfirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 8 of 7 required payments   Arrears: $0  

As of 5/18/20(mk):


-- TERMS BELOW NOT FEASIBLE BASED UPON DEBTOR'S INCOME:- NE EQUITY IN RE CAUSES HIGH T/H: Atty to get real appraisal of RE. -


>>In Order to pay the Tax Claims & T/H of NE Equity, needs $1,974 PTD, Then $1,769 x 55 Begin 6/1/20; Base with Min. $56,015.02 to gucs Due to NE Equity. in RE <<


1. St.Of NJ-Div. Of Tax filed POC for secured $30,645.71 & Priority $2,668.99.

2. Trustee objection:
-need Modified Plan that completes part 5. NOT DONE
-there is $56,015.02 in NE Equity in residence.(Protect T/H).
-Verified income leaves a monthly net balance of $998.08.
-------------------------------------------
plan has excessive expenses:
$850/month mortgage payment ($759 per statement)
$578/month for life insurance ($540 per stment).
-Schedules fail to account for tax refund of $3,991.00 in dispos income.(Added In)
--order of distribution not standard TR Order.
-need statement(s)from life insurance to verify if term or whole life and monthly payment
for premium.(Provided)
-Need October and November bank statements for PNC accounts #3609 and #4707.
(full statements)Provided.

Plan:$329 X 60 BEG 1/2020; no gucs
payments:6/5
last claim:34-1,bar date:2/9/20
Matter ResolvedRequest
Adjourment
915/19/2020 10:00 am19-32496 / MBKKarina Pia Lucid Confirmation Hearing on Modified PlanConfirmedDebtor has made 9 of 7 required payments   Arrears: $441.00  Total Paid In: $3,764.00
5/29 AMT: Filed states change form to correct first tier from $100 to $1,000<<<>>>

S OF 5/18/20 (SF) -

RECOMMEND $100 X 2 (BEGIN 1/1/20) $441 X 56 (BEGIN 3/1/20) BASE, LOAN MOD BY 8/15/20
- DO NOT PAY/RESERVE ARREARS TO NEW RESIDENTIAL MORTGAGE LLC PENDING APPROVAL OF LOAN MOD
- AMENDED ORDER RESOLVING OBJ TO BE SUBMITTED WITHIN 30 DAYS AS TO NEW RESIDENTIAL MORTGAGE
- PAY FORREST GATE ENTIRE CLAIM IN FULL AS SECURED IN THE AMOUNT OF $12,540


1. Objection filed by New Residential Mortgage (Phelan) - failure to pay arrears of $60,489.36 and speculative loan mod. (ORDER RESOLVING OBJ: PAY ARREARS AND LOAN MOD BY 5/17/20)

2. Loss Mit order expires 5/17/20

3. Forrest Gate Homeowner's Assoc filed birfurcated claim. $10,291.97 is secured and $2248.52 is unsecured (HOW SHOULD THIS CLAIM BE TREATED? (PER ATTY PAY ENTIRE CLAIM AS SECURED IN FULL)

4. Trustee objection:
- The debtor has insufficient income .
- The debtor has failed to supply the Trustee with the following document(s):
- Amendments to Schedules : Amended Sch I for job promotion and updated proof of
income. (I and J amended and income is still insufficient. Debtor should offer Tax Refund of $442.58)

Plan proposes $1000 x 2, $441 x 56 Base, Loan Mod by 5/17/20
Payments: 5/5 Arrears: $3223

RESOLVED ISSUES:
- A copy of the homeowner's insurance renewal declaration - - insurance expired 10/10/2019. (RECEIVED)

Matter ResolvedRequest
Adjourment
925/19/2020 10:00 am19-32893 / MBKPETER E ZIMNIS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 7 required payments   Arrears: $0  
Total Paid In: $2,350.00
ISSUES AS OF 5/12/2020 (DM): - Atty ok with terms.sf

***The debtor took the $250 estimated tax deduction twice on Sch J - See Line #16 and Line #21. TRUSTEE WILL COMPROMISE AND RECOMMEND CONFIRMATION AT $1,200 PTD, THEN $575 x 31 STARTING 6/1/20, BASE PLAN, OTBS WITH LAKEVIEW LOAN SERVICING WITHIN 45 DAYS; ADD TO CONFIRMING ORDER: COLLATERAL SECURING CLAIM FILED BY ALLY CAPITAL POC (3-1) SHALL BE DEEMED SURRENDERED***

5/5/20 - case held for Judge to rule on issue re prorated taxes owed on returns - ADJ BY MBK TO 5/19/20 TO WORK UP WITHOUT DEDUCTION.

1) Ally Capital filed a secured claim #3 in the amount of $616.31 (2011 Dodge Dakota). Is the debtor going to move against this claim? Per testimony at the 341 Hearing, this truck was repossessed (STAY RELIEF GRANTED 3/13/20 - ADD SURRENDER TO CONFIRMING ORDER).

2) Bank of the West filed a stay motion for a 2011 Open Range Sedonna RV which is scheduled for 2/18/20. Creditor is not on Sch D or addressed in the plan and the RV is not listed on Sch B (STAY RELIEF GRANTED 2/21/2020 - RV REPOSSESSED BEFORE THE CASE WAS FILED - NO POC FILED).

3) Lakeview Loan Servicing (Chandra Arkema, Esq) OBJs - debtor has insufficient income to cure arrears and plan lists arrears at $0 (PAY PER POC - NEED ORDER RESOLVING - OTBS TO PAY PER POC).

4) Trustee OBJ:
- Need DSO info - need proof of court-ordered support payments of $1082 per Sch J (RECEIVED).
- Need proof of $1,800 babysitting cost on Sch J (RECEIVED).
- Need proof of $250 Taxes on Sch J (REMOVED FROM EXPENSES).
- The current Plan does not specify treatment of Ally Financial under the Plan (STAY RELIEF GRANTED).
- File pre-confirmation certification (FILED).


Prop. Plan $240 x 36, Base Plan
PTD 5/5 = $1,200
Last Claim (11-1)
Matter ResolvedRequest
Adjourment
935/19/2020 10:00 am19-33274 / MBKCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing on Modified PlanContinued
6/16/2020 10:00 am
Debtor has made 8 of 7 required payments   Arrears: $0  

AR PER MBK -CITY OF TRENTON OBJ AND MOTION TO DISMISS
AR ATTY TO RESPOND TO TR DISPO LIST BY 6-2
DEBTOR BRIEF REVIEWED BY COURT
5/6 workup for the 5/19 calendar EDC

MP filed *This plan is a step plan or has lumpsum payments as follows: $1,768.00 per month for 4 months, then $1,800.00 per
month for 4 months, then $2,822.68 per month for 52 months

* Trustee obj to the following:
- Trustee will require updated pay stubs when Debtor returns to work.
-The step up is based on business hopefully increasing sales down the road which is not proof of feasiblity
- There is non-exempt funds in Wells Fargo account of $20,555. (PER BANK STATEMENTS PRIOR TO FILING DATE, ON 1/7/20 THERE WAS A BALANCE OF $10,769.23 IN ACCT. TRUSTEE REQUIRES PROOF THAT FUNDS DEPOSITED INTO ACCT ARE FROM STUDENT LOANS--The new cert filed by debtor does not show a copy of the check depositing funds for student loans and at the very least there was $8100 in account that were not used for student loans)
-City of Trenton obj plan was filed in bad faith. On the eve of creditor applying for final judgment, previous owners Umar Abdul-Raheem and Jamilah Abdul-Raheem deeded the property to Debtor on 12/11/19 for $1. Obj arrears are more, plan not feasible, arrears filed for $147,477, plan has $96,364.86. - DEBTOR RESPONDS TO OBJ 4/12/20 and proposes to pay claim in full
-Credit Union of NJ -obj arrears owed, (WITHDRAWN CLAIM 7)
-Do not pay on bifurcated claim of Credit Union of NJ claim 9
-Secured claim filed by Trenton Water Works for $187.49. Ok to pay?

Prop Plan $1,768.19 x 60 Base
Note: Homeowner insurance provided.
Matter ResolvedRequest
Adjourment
945/19/2020 10:00 am19-33595 / MBKFRANK J FISCHER, ESQConfirmation Hearing on Modified PlanWithdrawnDebtor has made 35 of 7 required payments   Arrears: $0  
Total Paid In: $6,900.00
5/11 workup for the 5/19 calendar EDC

* COVID-19 Cert (Doc #24) filed-Dentist--NO WAY TO CONFIRM PROPERLY UNTIL BACK WORKING
* Attorney should have filed a motion to suspend payments instead of trying to extend past 60 months on a unconfirmed case
* 2 payments arrears
* MP filed on 4/16 IS INCORRECT-attempts to extend to 80 months but the Cares Act only applies to previously confirmed cases
((PROPOSED $ 3,200.00 per month to the Chapter 13 Trustee, starting on January 2020 for two (2) months thereafter and commencing
on 10/1/2020 the sum of $3,471.00 approximately 78 months.))
* SN Servicing filed obj to MP
* IRS objection to confirmation - need to resolve
-priority claim $120,071.56
-secured claim $42,549
* State of NJ, Division Taxation objection to confirmation - need to resolve
-priority claim $16,598.98
* Trustee objection to confirmation - need to resolve
-2019 return, provide by the extended date of 8/15/2020
-updated auto insurance ---expired 4/29/2020
-excessive expenses $900/non debtor car payment; $500/spouse miscellaneous expenses
-the debtor is not paying all disposable income into plan - Form 122c has excessive expenses Line 13b taxes $508 for car, no payments
owed; Line 30 takes $13.20 additional food or clothing expense(MAY BE MOOT DUE TO CHANGE IN CIRCUMSTANCES)
-disposable income Line 45 of Form 122c $1,203.42 which would require minimum $72,205.20 to gucs(MAY BE MOOT)
-must resolve creditor objections
-must file Pre Confirmation Certification
* Ally Bank Lease Trust filed secured claim 12 for 2019 Jeep Wranger lease - not treated in plan, no arrears
---------------------------

-need paystubs for spouse from January through March 2020(DONE)
-need a modified plan that marks off Section 5a unsecured claims(DONE)
-need a current market analysis - (DONE OK)
-need a copy of tax returns - 2018 personal return, only provided business return PROVIDED.
-need amendment to Schedule I
Matter ResolvedRequest
Adjourment
955/19/2020 10:00 am19-33672 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 3 of 7 required payments   Arrears: $0  

AS OF 5/14/20 (SF)

1. Stay is vacated per order dated 4/6/20 as to Ivy Holdings LLC (Debtor's residence)
2. IRS filed estimated priority and unsecured claim (NEED AMENDED CLAIM)
3. State of NJ filed estimated priority and unsecured claim (NEED AMENDED CLAIM)
4. Need order resolving Adv. vs. Ivy Holdings LLC
5. Trustee objection:
- A current market analysis
- There is non-exempt equity on real property $140,270.32. Need to verify if Debtor has 50% interest
- Must resolve IRS estimated priority and unsecured claim
- Secured claim of Ivy Holdings is much higher than what plan has.
- Must file Pre-confirmation certificate.
- copy of the will showing the debtor is a 1/12 owner of the residence

Plan proposes $709 x 60 0%
Payments: 3/5 Arrears: $1418
Matter ResolvedRequest
Adjourment
965/19/2020 10:00 am19-34051 / MBKBRUCE H. LEVITTConfirmation Hearing ScheduledContinued
5/27/2020 10:00 am
Debtor has made 2 of 7 required payments   Arrears: $480.00  Total Paid In: $700.00
issues as of 5/11/2020

MODIFIED PLAN FILED AND SCHEDULED FOR CONFIRMATION - MAY 27, 2020 - NEED ADJOURNMENT WITH CONSENT TO NEW DATE

1) New Rez LLC d/b/a Shellpoint Mortgage Servicing - objection to confirmation - need to resolve MODIFIED PLAN IS PROPOSING TO PAY ARREARS THROUGH PLAN, DOES THIS RESOLVE OBJECTION, OBJECTION WITHDRAWN 5/7
-plan does not propose payment of arrears $2041.41 through plan
2) Trustee objection to confirmation - need to resolve
-need November and December bank statements for TD account #5153 THE TD BANK STATEMENT SHOWS TRANSFERS TO AND FROM AN ACCOUNT ENDING #8315. DO NOT HAVE STATEMENTS FOR THIS ACCOUNT - STATEMENT SHOWS ENDING BALANCE $2,192.54 ONLY EXEMPTED $400 LEAVING NON EXEMPT EQUITY OF $1,794.54
-unnecessary/excessive expense items, such as $546/month cable/internet/cell (ALLOW $450); $602.88/month car payment (ALLOW $508)
-the debtor is not paying all disposable income into plan - verified income leaves a monthly net balance of $429.81
-the schedules fail to account for the debtors tax refund in the amount of $4,133 when determining disposable income
-need to file Pre Confirmation Certification with Court FILED
-plan lists attorney fees of $2,610 to be paid as a priority claim. The disclosure states that $2,610 will not be paid through the plan. One of these must be amended

proposed plan $100x60 base
paid in $550
last claim 17-1
Matter ResolvedRequest
Adjourment
975/19/2020 10:00 am20-10104 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 6 required payments   Arrears: $1,440.00  Total Paid In: $2,572.00
AS of 5/13/20(mk):Updated. Atty ok to Terms


***CAN REC. CONFIRM AT $2,572 PTD,THEN $720 X 56, BEGIN 6/1/20; 0%; Trustee shall pay Wells Fargo, claim #12-1 a secured claim in the amount of $3,448.29.The unsecured portion in the amount of $4,741.60 shall be treated as other general unsecured creditors pursuant to the terms of confirmation. Debtor must provide 2019 Tax Return to Trustee by 8/15/20.***


1.Wells Fargo Filed POC for Home Recreation. NEED TO KNOW HOW YOU WILL TREAT THIS?
Bifurcated claim. Sec $ 3,448.29 & unsec $4,741.60 & Arrears $8,189.89.
PER ATTY- PAY SEC PART & UNSEC PART TREAT W/ OTHER GUCS.

2.Trustee Objection:
A copy of the homeowner's insurance renewal declaration - if not confirmed by
5/19/20, insurance expires 5/15/20.
-need 2019 tax return by 8/15/20.
Must file Pre-conf.certi.(Filed).

Plan:643 x 60,0%
payments: 4/4
Last claim:15-1.Bar date:3/13/20
Matter ResolvedRequest
Adjourment
985/19/2020 10:00 am20-10373 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 3 of 6 required payments   Arrears: $1,808.00  
AS OF 5/8/20 (at):

1. The IRS filed an estimated proof of claim #2 which needs to be amended. (NO LONGER ESTIMATED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2019 (RECEIVED)
- Santander Bank money market statement with value in account prior to filing date. (RECEIVED)
- Amendments to Schedules to correct the filed social security number (NOT AMENDED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Food $430 and Clothing $215.
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Proof of income verifies higher, than what is on Schedule I. Total 17 stubs provided, which were for a total of 10 pay periods from 11/1/19 to 1/3/20. There is disposable income $1,619.05. (2019 REFUND $1107/12 = $92.25 - DISPOSABLE INCOME IS $1,704.63) (THE 12/20/19 PAY CHECK WAS A $4000 BONUS AND SHOULD NOT HAVE BEEN CALCULATED AS A REGULAR CHECK, BUT DIVIDED BY 12. INCOME ON SCHEDULE I IS CORRECT)
- Need proof of values in stock with Bettini Stock and CD. (RECEIVED CD ($632) - NEED STOCK)

Plan proposes: $562 x 60, $0 to guc's
Payments: 2/4, ARREARS $1,044
Matter ResolvedRequest
Adjourment
995/19/2020 10:00 am20-10390 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $1,670.00
As OF 5/18/20(mk):Updated-atty ok to terms.


*** Can REC. CONFIRM AT $1,070 PTD,THEN, $300 x 32;Begin 6/1/20, Base w/ min div to gucs $4,395 due to NE Equity in Stock;Must file pre conf Cert w/in 10 days***


1.Trustee Objection:
-Proof of income verifies higher, there is disposable income $997.06.((debtor does not agree & Will supply more pay stubs).
REVIEWED POI UPLOADED 5/18/20.PLus 2019 tax refund leaves dispos income $338.63 per month
-need Proof of stock values as listed on Sched B(Still- see next line below).
-There may be non-exempt equity in stocks, pending review of documents needed.
This is his analysis. No company statement . (Rec'd statement that values ESOP- generally onk w/ that now. Statement also has RSU( Restricted Stock Plan which ,upon vesting becomes past of compensation. That shows up in payck & atty says will supply more pay stubs as he does not agree w/ TR calculation is dispos income)
-must file pre conf cert.(Still)
--------------------------------------
must resolve IRS estimated claim.(Amended POC filed).
-need 2019 tax returns by 5/31/20.(Provided).


Plan:214 x 36,not less than $4,395.55 to gucs.
payments:5/4
last claim:16-1,bar date:3/20/20
Matter ResolvedRequest
Adjourment
1005/19/2020 10:00 am20-10392 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
5/27/2020 10:00 am
Debtor has made 2 of 6 required payments   Arrears: $2,008.00  
UPDATED 5/18/2020
issues as of 5/11/2020

1) US Bank (RAS Citron) objection to confirmation - RESOLVED, ORDER SUBMITTED, LOSS MIT PROCESS COMPLETE BY 5/27/2020 OR AS EXTENDED BY ORDER, ADEQ PROT PAYMENTS $1,235 TO CREDITOR
-loan will mature over the life of the plan and total claim should be paid through plan, anticipated payoff $199,061.22
2) Trustee objection to confirmation - need to resolve
-need a copy of the 2019 return by 8/15/2020
-need profit and loss statement from January 2020 through April 2020 PROVIDED
-need a modified plan that provides for a 60 month plan as it appears debtor will be over median once Form 122c is completed and filed
-need amendment to Schedules, Form 122c is incomplete and needs to be amended to fill in the income amount
-need amendment to Schedule I for new part time job at Brookdale Community College PROVIDED
-the debtor is not paying all disposable income into plan - business expenses of $3,610 should not be listed on Schedule J
-excessive expense on Schedule J food expense of $1,000 for 1 person
-no exemptions were taken on Schedule C so non-exempt equity in bank accounts of $17,000
-as of now, there is $27,989.50 of non exempt equity in real estate. MAY BE REDUCED BY JUDGMENTS, NEED ADDITIONAL INFORMATION FROM DEBTORS ATTORNEY REGARDING EMAIL SENT 5/15
-debtor must provide proof of liens after the mortgage, unless a secured claim is filed for judgments listed on Schedule D - PROOF PROVIDED, SOME APPEAR TO BE PAID IN PREVIOUS BANKRUPTCY, SENT ATTY EMAIL - NEED TO RESOLVE
-must file Pre Confirmation Certification RESOLVED, FILED
-need amendment to Schedule B #19 to add business and need a valuation by an accountant for business value ACCOUNTANT SENT LETTER THAT HE CANNOT PROVIDE VALUATION AND ANTICIPATED COST OF VALUATION IS $1,000

proposed plan $823x19 begin 2/2020 100% plan with loan mod by 2/1/2020
paid in $3292
last claim 4-1
Matter ResolvedRequest
Adjourment
1015/19/2020 10:00 am20-10395 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
6/2/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $180.00  
updated 5/15/2020
issues as of 5/11/2020

1) RoundPoint Mortgage Servicing Corporation (KML) objection to confirmation -RESOLVED, CONSENT ORDER TO BE FILED, LOAN MOD BY 8/1/2020, ADQ PROT TO CREDITOR, NO ARREARS WHILE LOAN MOD PENDING
-arrears $88,678.64
2) Trustee objection to confirmation - need to resolve
-need a copy of the 2019 tax return by 8/15/2020
-need valuation for 1995 Chevy Corvette PROVIDED VALUATION $3,286 LEAVES NON EXEMPT EQUITY OF $367
-need a modified plan that adds all cramdowns to Section 4 and Section 7 of the plan
-the debtors are improperly cramming a first mortgage secured by the residence
-debtor must resubmit the P&L statement to provide on consistent time period for the P&L statement (July to Dec, 4th quarter, Nov/Dec)
3) Need to file Pre Confirmation Certification with Court
4) Plan does not propose to pay arrears while loan mod pending, money on hand pays Fee Order, who is getting paid while loan mod is pending?
5) Profit and loss statement recently provided shows $24,000 payroll, on business forms no employees listed so this is debtor income which averaged over 5 months is $4.800; the profit averaged over 5 months is $900.28. There is now disposable income of $3,715.39

proposed plan $180x60 base plan with loan mod after 6 months
paid in $720
last claim 12-1
RESOLVED ISSUES FOR TRUSTEE OBJECTION:
-need a copy of the homeowner's insurance renewal declaration RESOLVED, RENEWAL PROVIDED
-need 401k loan statements PROVIDED
-need E-Trade account statement PROVIDED
-need December and January bank statements for all accounts RESOLVED, PROVIDED STATEMENTS
-need Amendment to Schedules - statement of financial affairs to list debtors business RESOLVED, AMENDED SOFA FILED
-need Amended Form 122c to include debtor's business income RESOLVED, AMENDED FORM 122C FILED
-the debtor has undertaken an improper use of exemption. Specifically, need to amend Schedule C to joint exemptions or move some of the exemptions to th
Matter ResolvedRequest
Adjourment
1025/19/2020 10:00 am20-10616 / MBKLEE M PERLMAN, ESQConfirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $3,682.00  
AS OF 5/11/20(mk):

>>> Hearing was adj. from March to allow time for filing MP to Address #1 & #2 & To resolve est. IRS claim. As of this date
none of that has been done and TR objections are unresolved as well<<<

1. Objection by Blue Foundry Bank(Sherman Wells):
- First Mtg.-plan fails to pay full arrears.

2. Objection by B Of A(Stern & E):
Second Mtg- FILED POC - arrears $2,599.41- NOT IN PLAN -OK TO PAY? (OTBS)

3. IRS filed ESTIMATED POC- NOT IN PLAN- Needs resolution.

4.Trustee Objection:
-need copy of 2019 by 5/31/20.
-need 2 months bank statements from all accounts prior to filing date.
-plan has excessive expenses:122c Line 9b takes homeowner insurance $241.40,
Line 14 takes public trans $217 and Line 43 takes vehicle expenses $1,314 total $1,531,
Line 21 takes Childcare $100, Line 22 additional healthcare $30, Line 31 charitable
contributions $200 (not listed on Schedules I or J).
- There would be disposable income$188.65, which would require minimum dividend $11,319 to gucs.
-Schedule J list excess expenses such as: Homeowner insurance $226.76, Propane $300;(electric/gas/heat has $450, would be total $750) and Auto insurance $550.
-debtor is not paying all disposable income into the plan. Income verifies higher at $10,428.99 than scheduled($9,820.47). This results in monthly disposable income of $2903.23.
- current Plan does not specify treatment of Bank of America arrears $2,599.41.
- Must resolve IRS estimated claim.
- Must resolve creditor objection.
- Must file Pre-confirmation certificate.(Filed)

5. Objection by Hopewell T'ship(Parker McKay):RESOLVED
- has tax lien on RE -plan fails to pay full amt.


Proposed plan:1,841 x 60 0%
payments:3/4
last claim:9-1, bar date:3/24/20
Matter ResolvedRequest
Adjourment
1035/19/2020 10:00 am20-10655 / MBKMICHAEL SCHWARTZBERG ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 6 required payments   Arrears: $1,454.00  Total Paid In: $3,854.00
As of 5/14/20 (DS): Ok to confirm at $2,400 paid, $1,454 x 56 begin 6/1/20 100% to gucs
- Trustee Standard Order of Distribution.

1. Trustee obj to the following:
- Amend Form 122c (income portion is blank) if plan is reduced from 100%.
- Need explanation regarding P&L discrepancies (quarterly vs monthly statements).
- Debtor is not devoting all scheduled disposable income to the plan (100% plan).

2. US Bank obj to arrears more, POC filed arrears $70,169, not $28,000. PER EMAIL FROM ATTY AND CREDITOR ATTY COTBS PAY CLAIM.

Note: 2019 Tax return and homeowner insurance provided
- Debtor relying on monthly P&L statements as opposed to the quarterly P&L statements - PLAN IS 100% (DM)
Matter ResolvedRequest
Adjourment
1045/19/2020 10:00 am20-10872 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/2/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $376.00  
As of 5/18/20 (DS): Debtor attorney requested adjournment, mod plan filed and sched 6/2/20.

As of 3/24/20 (DS): Debtor attorney requested adjournment to allow time to review mortgage claim with Debtors.

As of 3/16/20 (DS): If objections resolved w/mortgages to pay arrears and ok to pay Capital One Auto claims, recommend confirming at $776 paid, $1,259 x 58 begin 4/1/20 0% to gucs, add to confirming Trustee ok to pay the arrears claim of Wells Fargo claim #9-1, HSBC/PHH claim#5-1 and Capital One claims#3-1 and 4-1 and Debtor to provide 2019 tax return no later than 5/31/20

1. Trustee obj to the following:
- Need 2019 tax return.

2. Wells Fargo obj to plan paying $0 to creditor, POC filed with arrears $17,022.15. Obj must be resolved. Ok to pay?

3. HSBC/PHH Mortgage obj to arrears more, POC filed $43,558.19 arrears. Plan propose $15,823.86. Obj must be resolved. Ok to pay?

4. Capital One Auto filed 2 arrears claims $604.21 and $45. Ok to pay both claims?

Prop Plan $388 x 60 $0
Note: Expense moot.
Matter ResolvedRequest
Adjourment
1055/19/2020 10:00 am20-10911 / MBKEdward Nathan VaismanConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $115.00  
AS OF 5/8/2020 (at):

1. Santander/Chrysler Capital filed a secured arrears claim #6 in the amount of $701.84 which is not in the plan. Is it ok to pay this claim?

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - (updated paystubs for Marh and April) (NOT RECEIVED)
- A copy of the last filed tax return - 2019 (NOT RECEIVED YET)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $500 to IRS under schedule J. This needs to be removed because IRS filed a claim
- must address the IRS claim for the estimated portion for 2019. (STILL ESTIMATED)
- must file pre conf cert. (NOT FILED)

Plan proposes: $115 x 60, base, loan mod within 6 months of confirmation
Payments: 4/4
Matter ResolvedRequest
Adjourment
1065/19/2020 10:00 am20-11159 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 6 required payments   Arrears: $1,784.00  Total Paid In: $7,136.00
updated 5//19/2020

***ok to confirm at $5,352 paid to date, $1,784x43 begin 6/1/2020 100% plan

issues as of 5/11/2020

1) The Bank of New York Mellon (Stewart) objection to confirmation - need to resolve
-estimated arrears $95,366.25 FILED PROOF OF CLAIM ARREARS $68,688.75
2) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income, income verified negative
-need updated auto insurance, if not confirmed on 3/25 - policy provided expires 3/30/2020 RENEWAL NOT PROVIDED TO DATE
3) Not current with Trustee plan payments, arrears $1,784

proposed plan $1,784x60 100% plan
paid in $1,784
arrears $1,784
last claim 2-1

RESOLVED:
-need a copy of the 2019 tax return PROVIDED
-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 estimated to be $55,269 and bank account $9,357.17 MORTGAGE CLAIM FILED FOR HIGHER AMOUNT THAN SCHEDULED REDUCING NON-EXEMPT EQUITY TO $38,202.96 PLUS BANK NON-EXEMPT EQUITY $9,357.17 FOR TOTAL $47,560.13 - OK, STILL 100% PLAN
-must file Pre Confirmation Certification with Court FILED
Matter ResolvedRequest
Adjourment
1075/19/2020 10:00 am20-11256 / MBKGeorge E Veitengruber IIIConfirmation Hearing on Modified PlanContinued
7/28/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $2,638.00  
AR NEED PYMNT AR OK POSTED
REVIEW EPAY POSTING
5/6 workup for the 5/19 calendar EDC

* 3 payments in arrears
* IRS Estimated POC(for 2019)- (atty wants to add lang that must be resolved by 8/15/20.)
* DUE TO CLAIMS FILED BY MTG CO. & PLAN HAS TO BE 100% DUE TO NE EQUITY-AS OF NOW ,PLAN PAYMENT NEEDS TO BE 1,854 GOING FORWARD- BUT STILL HAS TO RESOLVE IRS EST. POC. <<<
* SB Once Bank--T'ee issue=(POC back up docs say Mtg .on Rt 36 ,Hazlet prop but OBJ. says Windcrest CT?. Plan has arrears for Rt 36,Hazlet. Attorney may need to MP.

* Trustee Objection:
-plan has excessive exp
-$550/month for cable/internet/phone
-$675/month for education costs (need proof)
-$750/month for car insurance
-$709/month car payment
-schedules fail to account for tax refund of $6,295.00 for disposable income.
-there is $48,027.97 in non exempt equity in the residence.- DUE TO T/H of NE Equity in RE & personal prop -plan has to be 100%- total claims filed =$22,774.46 & bar date has passed.
-there is $5,400 in non-exempt equity in the bank accounts.
-need 209 tax return by 8/15/20.
-Need to resolve the estimated claim filed by the IRS.
Need to resolve the objection filed by Ajax Mortgage.




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

>>>late claim filed by Ocean medical center- pay or no?(Per atty NO PAY)

>>>DUE TO CLAIMS FILED BY MTG CO. & PLAN HAS TO BE 100% DUE TO NE EQUITY-AS OF NOW ,PLAN PAYMENT NEEDS TO BE 1,854 GOING FORWARD- BUT STILL HAS TO RESOLVE IRS EST. POC. <<<

1.Objection by Ajax (1st mtg on Wiindcrest Ct.)(Pluese):Arrears POC $44,052.17-OK TO PAY?(PER ATTY -YES PAY)

2. Objection by SB One Bank( Getler):ArrearsPOC $26,391.09-OK TO PAY?(PER ATTY YES PAY)
>> T'ee issue=(POC back up docs say Mtg .on Rt 36 ,Hazlet prop but OBJ. says Windcrest CT?. Plan has arrears for Rt 36,Hazlet.<<

3. IRS Estimated POC(for 2019)- (atty wants to add lang that must be resolved by 8/15/20.)

4. Trustee Objection:
-plan has excessive exp
$550/month for cable/inte
Matter ResolvedRequest
Adjourment
1085/19/2020 10:00 am20-11267 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $950.00  
AS OF 5/14/200 (SF)

1. Objection filed by Lakeview Loan Servicing (RAS Citron) - failure to pay arrears of $20,054.28

3. CVI SGIP Acquisition Trust/Sterling Jewelers filed secured claim 5-1 for $593.23 with zero arrears. This claim is not addressed in the plan (NEED TO RESOLVE)

4. Trustee objection:
-A copy of the last filed tax return - 2019 by 8/15/20
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Reviewed the 122C, Line 9c (Net mortgage should be $621, Line 16 (taxes) should be $2,957, Line 19 (court ordered payments) requires proof and Line 30 (additional food) requires documentation. Left $2,060.70 in the calculation pending proof. Per the 122C, monthly disposable income is $1,375 which would require a minimum dividend of $82,521 to general unsecured creditors.
- Need to file Pre-Confirmation Certification.
- Attorney Disclosure Statement needs to be amended. Checks off that balance of fee will and will not be paid through the plan.


Plan proposes $950 x 60 0%
Payments: 3/4 Arrears: $950

RESOLVED ISSUES:
- The IRS filed estimated priority claim 3-1 (AMENDED)
- Domestic Support Obligation information and court order/proof of alimony and child support. (RECEIVED)
$833/month in alimony (need proof/court order)
$1,027/month in child support (need proof/court order)
Matter ResolvedRequest
Adjourment
1095/19/2020 10:00 am20-11648 / MBKWARREN BRUMEL, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 6 required payments   Arrears: $300.00  Total Paid In: $1,500.00
as of 5/8/2020

OK TO CONFIRM AT $300X30 BEGIN 2/1/2020, $1,250X30 BEGIN 8/1/2022 BASE PLAN
-PLUS NON EXEMPT EQUITY FROM WORKERS COMP, IF ANY
Matter ResolvedRequest
Adjourment
1105/19/2020 10:00 am20-12224 / MBKMark K. Smith, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 14 of 5 required payments   Arrears: $0  
Total Paid In: $650.00
5/19/20: MODIFIED PLAN FILED. PER ATTORNEY, OK TO WITHDRAW THIS PLAN.

AS OF 5/8/2020 (at):

RECOMMEND: $560.36 PAID TO DATE, $45 x 1 (6/2020), $562 x 32 BEGINNING 7/1/2020, BASE
Trustee shall pay BMW Financial, POC #5 a secured claim in the amount of $7,875. The unsecured portion in the amount of $6,445.40 shall be paid pro rata with other general unsecured creditors pursuant to the terms of confirmation.
Need to file Pre-Confirmation Certification within 10 days of confirmation.

1. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Need bank statements for NJ Law & Public Safety FCU (received an unknown History Report). (RECEIVED)
- Amendments to Schedules to add timeshare to be surrendered to schedules and to amend the 22C form to a household of 1. (AMENDED B AND D FILED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s). (OBJECTION FILED - OK)

MP Plan proposes: $45 x 4, then $562 x 32, base
Payments: $560.36 paid to date
Matter ResolvedRequest
Adjourment
1115/19/2020 10:00 am20-12513 / MBKAllen I. Gorski, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 5 required payments   Arrears: $4,000.00  Total Paid In: $16,000.00
As of 5/12/20(mk):Atty ok to terms


***CAN REC. CONFIRM AT $4,000 X 60 ,BEGIN 3/1/20; BASE W/MIN.OF $4,405 TO GUCS BASED UPON NON EXEMPT EQUITY IN PERSONAL PROPERTY; Need Amended IRS claim w/in 45 days. Add to confirming Order language that Should the Debtor be more
than thirty (30) days delinquent with payments to the Trustee, or payments of post-petition real estate taxes Clearview Equities, LLC
may file a certification of default on notice to Debtor and Debtor's counsel and request full relief from the automatic stay without the necessity of filing a motion. - Strike Plan language in Part 4 regarding Cram to State of NJ. Trustee is authorized to Pay
St. Of NJ claim 2-1 in the amount of $6,158.43. Debtor must provide the December 2019 and January 2020 Bank statements for 2 Credit Union Savings accounts w/in 30 days. Must file fee application w/in 7 days of confirming order.***


1.IRS Filed PRIORITY POC for 2019 (total claim = $12,730.13.
Of that ,the 2019 estimated portion of the claim is $5,393.00- INCLUDE TOTAL CLAIM IN
WORKSHEET AND ADD LANG. TO CONFIRM ORDER THAT - NEED AMENDED POC

2.Trustee Objection:
-Plan has Cram for ST. Of NJ in part 4, to 16,496.30& not in Part 7 . OC Is for $6,158.43- PAY POC & STRIKE CRAM? PER ATTY - YES
-need December & January bank st. or 2 Credit Union savings accounts.
-plan payment 4,000p/m- a of 5/11/20- arrears 2,000.
----------------------------------------
***MBK - ADJ TO 5/19/20 FOR WORK-UP - ADD TO CONF ORDER - CLEARVIEW MAY FILE CERT OF DEFAULT (30 DAY) FOR TRUSTEE PYMT OR POST PETITION REAL PROPERTY TAXES.(Added)

3. Motion To Extend stay as to Clearview on 5/5/20.NEED RESULT. mk: Granted.

4.Cross Motion For Stay Relief by Clearview on 5/5/20. NEED RESULT. mk: Denied.

-There is $4,405 in non exempt equity is cars and bank accounts.( will protect T/H in conf lang.)
need proof of insurance for the 1969 Harley, 1969 Camaro and 1989 Chevy van.(341 testimony said inoperable.)
-Need proof of service on State o
Matter ResolvedRequest
Adjourment
1125/19/2020 10:00 am20-13315 / MBKJONATHAN GOLDSMITH-COHEN, ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 6 of 5 required payments   Arrears: $0  

issues as of 5/8/2020

1) IRS priority claim estimated for 2016-2017 taxes - need to resolve
2) Trustee objection to confirmation - need to resolve
-need a current market analysis - need updated CMA with narrative
-the current plan does not specify treatment of IRS (priority) under the plan
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - as of now there is $117,480 of non-exempt equity in real estate
-must file Pre Confirmation Certification with Court

proposed plan $340x60 base
paid in $1360
last claim 13
Matter ResolvedRequest
Adjourment
1135/19/2020 10:00 am20-13493 / MBKLEE M PERLMAN, ESQConfirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $18,694.00
As of 5/11/20(mk):


1. Estimated POC (12,529.59)by IRS. 2019 Return not filed.

2. Lakeview Filed POC $44.30 arrears - OK TO PAY?

3. Trustee Objection:
-need amendment to SOFA to include Business (NO BUSINESS - SHE GETS A 1099 - SKIN CARE PRODUCTS SERVICE - CERT WAS UPLOADED).
- debtors not paying all disposable income into the plan.
Disposable income verifies higher per Schedule I and J at 4,910.61. Plan length may need
to be shortened.
-need 2018 tax return. Only uploaded 2017.
-need 2019 tax return by 8/15/20.
- need to resolve IRS est. priority claim .


Plan:3733 x 60;100%.
payments:3/3
last claim:22-1;bar date:5/9/20
Matter ResolvedRequest
Adjourment
1145/19/2020 10:00 am20-13594 / MBKYAKOV RUDIKHAP Hearing Rescheduled (Document)Granted
AP 20-1151 DEBTOR MTN TO VACATE
Matter ResolvedRequest
Adjourment
05/19/2020 10:00 am20-13594 / MBKYAKOV RUDIKHAP Summons IssuedContinued
7/22/2020 9:00 am

AP 20-1151 Parke Bank vs. Sathwara PRE-TRIAL
Matter ResolvedRequest
Adjourment
05/19/2020 10:00 am20-13594 / MBKYAKOV RUDIKHAP 20-1151 Cross MotionJudge to Reserve Decision
AP 20-1151 CROSS MTN RE DEFAULT JUDGMENT
Matter ResolvedRequest
Adjourment
1175/19/2020 10:00 am20-13627 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $300.00  
Matter ResolvedRequest
Adjourment
1185/19/2020 10:00 am20-13684 / MBKVERA FEDOROFFConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $4,228.00
As of 5/14/20 (SF):


RECOMMEND $1057 X 60 (BEGIN 4/1/20) 100% PLAN
- NEED AMENDED POC WITHIN 60 DAYS
- STUDENT LOANS TO BE TREATED OUTSIDE PLAN


1. IRS filed estimated claim, need 2019 tax return. (2019 RETURN RECEIVED)

2. Plan is proposing 100%, recommend waiting pass bar date, 5/12/20.

Prop Plan $1,057 x 60 100%
Payments: 2/2
Matter ResolvedRequest
Adjourment
1195/19/2020 10:00 am20-13720 / MBKANDREW G. GREENBERG, ESQ.Confirmation Hearing ScheduledContinued
7/22/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $799.00  
issues as of 5/8/2020

1) 341 not held, not rescheduled - to date documents needed for 341 hearing have not been provided
2) Current with Trustee plan payments
3) PHH Mortgage Corporation (RAS Citron) objection to confirmation - need to resolve
-per the proof of claim filed, the mortgage matures during the life of the plan therefore arrears are $389,027.75
Matter ResolvedRequest
Adjourment
1205/19/2020 10:00 am20-14150 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 5/14/20 (SF)

1. Ally Financial is a cram of car. No claim filed yet. Bar date expires on 5/20/20.
2. Trustee objection:
- The debtor has insufficient income .
- Accountants valuation of business (Balance Sheet).
- Amendments to Schedules : Statement of Financial Affairs does not list business.
- Must file Pre-confirmation certificate.

Plan proposes $362 X 60 0%
Payments: 2/2

RESOLVED ISSUES:
- A copy of the last filed tax return - : 2019 tax returns by 8/15/20. (Received)
- A copy of the homeowner's insurance renewal declaration - : insurance expired 3/11/20. (RECEIVED)
Matter ResolvedRequest
Adjourment
1215/19/2020 10:00 am20-14158 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
7/22/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1225/19/2020 10:00 am20-14374 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $4,344.00  
AS OF 5/15/2020 (at):

1. 341 has not been held or rescheduled
2. Payments: 1/2, arrears $2172
Matter ResolvedRequest
Adjourment
1235/19/2020 10:00 am20-14427 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 5/11/20(mk):


1. Objection By Home Point Financial(RAS):
- plan fails to pay arrears. Plan has unaffected.
- POC to be filed for approx $25,533

2. IRS Estimated POC. 2019 return filed.

3. TD Retail Services filed Secured POC (8-1)for Furniture. $2,275-NOT IN PLAN

4.Trustee Objection:
.need 2019 return by 8/15/20.
-need 401k loan statement.
-plan has excessive expenses:$709 car payment,
$500 vehicle insurance, They have 5 Cars!
$580 tele/cell/internet/cable.
- Income documentation for the debtor verifies higher (4,401.95) than scheduled (2,490.66).
The calculation includes "Commission" and "Spiff."
-Schedules fail to account for 2018 tax refund of $5,119 in disposable income.
- need 2019 return to see if any change.
-There is $5,726 equity in 2017 Lexus IS, $1,011 equity in 2008 Mini Cooper, $15,340 equity
in Infiniti QX, and $1,172 equity in joint bank account. Total $23,249.
- Need a copy of Toyota Motor Credit statement for 2019 Lexus GX.
-must file pre conf cert.




Plan:250 x 60,Base
payments:2/2
last claim:18-1,bar date:5/25/20
Matter ResolvedRequest
Adjourment
1245/19/2020 10:00 am20-14433 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 0 of 4 required payments   Arrears: $800.00  
atty has $400 because ePay would allow it
As of 5/6/20:

No payments
No 341-missing docs
Matter ResolvedRequest
Adjourment
1255/19/2020 10:00 am20-14449 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 5/8/20 (at):

1. Objection filed by Select Portfolio Servicing (Milstead) - failure to cure arrears of $32,757.03 . (Per obj - No POC yet)

2. Objection filed by Citimortgage (Phelan) - failure to cure arrears of $370. (Per obj - No POC filed yet)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for spouse. (NOT RECEIVED)
- A Modified Plan that treats the mortgage arrears. (MOD PLAN NOT FILED)
- Amendments to Schedules J to add mortgage payments. and I to add spouse income. (NOT AMENDED)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- As of now, there is $9,979.91 of non exempt equity in re property. (LANGUAGE ADDED)
-must address objections by Select Portfolio & Citimortgage. (UNRESOLVED)
-trustee standard order of distribution. (LANGUAGE ADDED)
-must address IRS estimated claim. (STILL ESTIMATED)
-must file pre conf cert. (NOT FILED)

Plan proposes: $150 x 60, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
1265/19/2020 10:00 am20-14464 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $150.00  
As of 5/18/20 (DS): Debtor attorney requested adjournment to gather info to Trustee.

As of 5/14/20 (DS): 1. Trustee obj to the following:
- Need Domestic Support Form uploaded.
- Must filed change of address form.
- Debtor to provide police report for stolen Ford Taurus.
- Need a modified Plan that increases trustee payment in June, 2021 when pension loan is paid off.
- Verified income leaves a monthly net balance of $417.42.
- Debtor's pension loan is paid off in May, 2021. Additional $350 monthly in income.
- Must file Pre-confirmation certificate.

Prop Plan $150 x 56 Base
Matter ResolvedRequest
Adjourment
1275/19/2020 10:00 am20-14522 / MBKJohn Joseph LoSordo Confirmation Hearing ScheduledDismissedDebtor has made 0 of 4 required payments   Arrears: $0  

NA
issues as of 5/8/2020

1) 341 not held, rescheduled for 5/21/2020 to date documents for the 341 have not been provided
2) No Trustee plan payments to date, arrears $4,486
Matter ResolvedRequest
Adjourment
1285/19/2020 10:00 am20-14529 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $150.00  
AS OF 5/14/20 (SF)

1. The plan proposes to not pay arrears to Gateway Mortgage because husband is paying outside but an arrears claim 7-1 filed for $3963.28 (MUST RESOLVE)

2. Objection filed by Gateway Mortgage (Caine) - failure to pay arrears of $3963.28. If debtor does not propose to pay thru the plan, they will seek stay relief.

3. Trustee objection:
- A current market analysis - Need a CMA with name/information of realtor providing same.
- Need a statement for the debtor's pension loan.
- A Modified Plan that addresses treatment of unsecured creditors. Part 5 is blank.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $800/month for cable, internet, phone
- $774/month car payment on 2020 Nissan Pathfinder in husband's name
- Verified income leaves monthly disposable income of $750.34.
The Schedules fail to account for the debtor(s) tax refund in the amount of $6,367.00 when determining disposable income.
- Need to file Pre-Confirmation Certification.

Plan proposes $150 X 36 ??
Payments: 2/2

RESOLVED ISSUES:
A copy of the last filed tax return - 2019 by 8/31/2020.
Matter ResolvedRequest
Adjourment
1295/19/2020 10:00 am20-14541 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,500.00  
AS OF 5/7/20 (at):

1. 341 has not been held or rescheduled.
2. Payments: 1/2, arrears $3,500
Matter ResolvedRequest
Adjourment
1305/19/2020 10:00 am20-14549 / MBKJ. Todd MurphyConfirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 5 of 4 required payments   Arrears: $0  

341 by 6/30/20 - ADJ by 7/28/20
As of 5/18/20 (DS): Debtor attorney requested adjournment, does not get consent of objecting creditor.
Matter ResolvedRequest
Adjourment
1315/19/2020 10:00 am20-14550 / MBKLAURENCE R SHELLER, ESQConfirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 5/11/20(mk):


1. Objection By Loan Care(McCabe):
-fails to pay arrears. LM speculative.

2. Trustee Objection:
- no date for LM completion. Loss Mit. ends 7/27/20.
-rental income is higher than scheduled, disposable income is $400,
need to pay 36months of disposable income into plan which is plan base of $11,520.
-need to resolve obj byLakeview Loan Servicing, LLC (McCabe Weisberg) .
-HUD filed proof of claim, creditor not treated in plan- (Arrears -0-add lang they are outside).



Plan:100 x60:base
payments:2/2
last claim:2-1,bar date:5/27/20
Matter ResolvedRequest
Adjourment
1325/19/2020 10:00 am20-14564 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $440.00  
AS OF 5/8/2020 (at):

1. Objection filed by Wilmington Savings/Fay Servicing (McCalla) - failure to cure arrears of $39,105.64 (Per obj - no POC filed yet). Sale is speculative. Debtors have provided no proof of efforts to sell. (UNRESOLVED)

2. Objection filed by Thrift Investment (Morton) - 2007 Jeep was purchased less than 910 days prior to filing. Loan matures in March 2021. Plan fails to make adequate protection payments. They want $198/month beginning 4/1/2020. (UNRESOLVED)

3. Objection filed by Santander (Morton) - vehicle is undervalued. They value the 2013 Toyota Tundra at $21,450. Debtor has equity in the vehicle and creditor wants $22,955.81. Plan does not propose adequate protection payments. Creditor requests $214.50 beginning 4/1/2020. (UNRESOLVED)

4. Trustee's objection:
The debtor has insufficient income.
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - (updated) (NOT RECEIVED)
- A copy of the last filed tax return - : 2019 tax returns by 8/15/20. (RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $637 vehicle insurance
- The Trustee is entitled non-exempt proceeds from sale of real estate, therefore case must confirmed as a Base Plan.

Plan proposes: $440 x 60, $0 to guc's, sale of residence within 6 months of confirmation
Payments: 2/2
Matter ResolvedRequest
Adjourment
1335/19/2020 10:00 am20-14568 / MBKBARRY J. BERAN, ESQ.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 2 of 4 required payments   Arrears: $0  

issues as of 5/8/2020

1) 341 not held, not rescheduled - to date has not provided documents required for 341 hearing
2) Not current with Trustee plan payments, arrears $387.77
3) Need to file Pre Confirmation Certification
Matter ResolvedRequest
Adjourment
1345/19/2020 10:00 am20-14608 / MBKJoan Sirkis Warren Confirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,500.00  
As of 5/15/20 (DS: Debtor attorney requested adjournment to allow time to get HUD closing statement

As of 5/13/20 (DS): 1. Trustee obj to the following:
- Need HUD-1 closing statement on property sold in 4/16/19. Per 2019 tax return, Debtor received $134,000 on 4/16/19. Need Cert on what was done with these funds, if Debtor did receive these funds.
- Excessive expenses is moot since plan propose 100% to gucs.
- 22c has disposable income $1,949.18 and will be moot since plan is proposing 100%.

Prop Plan $1,500 x 60 100%
Note: DSO Form provided.
Matter ResolvedRequest
Adjourment
1355/19/2020 10:00 am20-14618 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

issues as of 5/8/2020

1) Citizens Bank (Gellert) objection to cram - need to resolve
2) Trustee objection to confirmation - need to resolve
-need a copy of the last filed tax return - 2019 by 8/31/2020 RESOLVED, PROVIDED RETURN NO REFUND
-need January and February bank statements for TD Saving #6581 PROVIDED
and #5026 DID NOT RECEIVE STATEMENTS FOR THIS ACCOUNT
-need a statement for the Merrill Lynch account NOT PROVIDED
-excessive/unnecessary expenses - $685/month for food; $430/month charitable contributions; $335/month life insurance
-the debtor is not paying all disposable income - review of Form 122c-2 LIne 34 should be $0. Debtors are curing arrears through sale of property. The adjustment to Line 34 increases Line 45 to $1,777 which requires a minimum $106,620 dividend to general unsecured creditors.
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - the debtors online CMA shows the home sale value to be approximately $870,000 as opposed to the debtor's value provided of $655,000
-the debtor has failed to provide proof of service with respect to plan motions - need service on Citizens Bank for cram dow of 2015 Nissan
-need to file Pre Confirmation Certification RESOLVED, FILED
-need to resolve the estimated claim filed by the IRS RESOLVED, AMENDED CLAIM FILED

proposed plan $2247x60 minimum $90,256.80 dividend to general unsecured creditors and sale of real property 6 months after confirmation
paid in $4494
last claim 13
Matter ResolvedRequest
Adjourment
1365/19/2020 10:00 am20-14619 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 5 of 4 required payments   Arrears: $0  

AS OF 5/14/20 (SF)

1. Motion filed to sever and convert Robert to Chapter 7 scheduled for 6/2/20.

Payments: Current: $900 received
Matter ResolvedRequest
Adjourment
1375/19/2020 10:00 am20-14632 / MBKMARYBETH SCHROEDERConfirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS of 5/11/20(mk):atty will file MP


1. Secured POC by Whiting Village Community Assoc. $6,554.20- NOT IN PLAN.
>>Mtg arrears in Plan 12,000- no POC yet.
Plan not feasible to cover both mtg & Assoc poc.

2.Cap. One on Honda - Plan has current. POC arrears $50- OK TO PAY?

3.Trustee Objection:
-plan has in Part 4a. arrears to Flagstar 12,000 & $1,200- No POC filed yet
but looks like 12,000 is correct estimate as MTG st had over 10,000 in arrears
-need 2 Bank statements from Santander savings acct prior to filing date.
-current Plan does not specify treatment of Whiting Village claim#2-1 for $6,554.20
-Must file Pre-confirmation certificate
-Income verifies higher, there is disposable income $329.83, plan propose tier plan $300
due to car payment ending in month March 2021.
-Schedules fail to account for tax refund of $465 when det. dispos. income.(Added in).

Plan:100 x12,300 x 48:Base
payments:2/2
last claim:5-1,Bar date;5/28/20
Matter ResolvedRequest
Adjourment
1385/19/2020 10:00 am20-14670 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 5 of 4 required payments   Arrears: $0  

5/18/20 (sf) Per atty ok to dismiss/hold fees
Matter ResolvedRequest
Adjourment
1395/19/2020 10:00 am20-14710 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/10/2020 10:00 am
Debtor has made 5 of 4 required payments   Arrears: $0  
Total Paid In: $2,672.00
AS OF 5/7/20 (at):

RECOMMEND: $1,336 PAID TO DATE, $675 x 58 BEGINNING 6/1/2020, 100% TO GUC'S
Need to file Pre-Confirmation Certification within 10 days of confirmation.
Preserve non-exempt equity of $88,743.43 in residence.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2019 (CERT OF NON FILING 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 $88,743.43 in non exempt equity in the residence.
- Need to file Pre-Confirmation Certification. (NOT FILED)

Plan proposes: $668 x 60, 100% to guc's
Payments: 2/2
Matter ResolvedRequest
Adjourment
1405/19/2020 10:00 am20-14720 / MBKBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $411.00  
As of 5/18/20 (DS): Debtor attorney requested adjournment to resolve all obj.

As of 5/13/20 (DS): 1. Trustee obj to the following:
- Need CMA for two timeshares/vacation clubs, updated pay stubs for Aramark from March and
last pay in February, March bank statement for Chase account 2 months prior to filing date and proof of custodial account disclosed on Schedule B.
- Excessive expenses on Sched J: $1,625 Food, $600 Childcare, $500 Clothing, $418 Misc/postage/repair/services.
- There is non-exempt equity on real property pending mortgage claim estimated $11,349.90 (statement provided is dated 6/17/19, case filed 3/12/20), Garza resort timeshare $4,350, 2018 Honda $2,096.47 (half interest with co-signor), $2,977.10 Creditor in chapter 11 and bank acct $2,225 total $22,998.47.

2. Roundpoint obj to arrears owed $3,594.75, plan list as outside, no POC filed. Obj needs to be resolved.

3. must file Pre-confirmation certificate.

Prop Plan $411 x 36 Base
Note: CMA for residence is fine, not a year old. No balance statement needed on vehicles, one claim was filed (2018 Honda) and other has no secured debt and has used exemptions (2012 Toyota). Income and expense is moot, deducting excess expenses, income does not verify higher.
Matter ResolvedRequest
Adjourment
1415/19/2020 10:00 am20-14728 / MBKLAWRENCE W. LUTTRELLConfirmation Hearing ScheduledContinued
8/18/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

341- now on for 5/28/20
Matter ResolvedRequest
Adjourment
1425/19/2020 10:00 am20-14738 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledContinued
6/2/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,075.00  
issues as of 5/8/2020

1) Wells Fargo Bank (Powers Kirn) objection to confirmation - need to resolve
-approximate arrears $56,863.33
2) Wells Fargo has cross motion for relief from stay scheduled for 6/2/2020 - need outcome
3) Trustee objection to confirmation - need to resolve
-need a current market analysis that provides comps for residence
-need valuation of timeshare
-need February bank statements for Chase Bank
-need to amend Schedules to add HUD and Capital One - both are listed in the plan as unaffected
--the debtor is not paying all disposable income into plan - excessive expense on Schedule J $608 vehicle insurance
-file pre confirmation certification with Court

proposed plan $1075x60 0% plan
paid in $2150
last claim 8
Matter ResolvedRequest
Adjourment
1435/19/2020 10:00 am20-14881 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $225.00  Total Paid In: $675.00
AS OF 5/19/20 (SF) UPDATED

RECOMMEND $225 X 60 (BEGIN 4/1/20) 0%
- OTBS RESOLVING OBJ BY M&T Bank within 30 days


1. Objection filed M&T - failure to pay arrears of $5938.68 (OTBS to Pay)

2. Trustee objection:
The debtor has insufficient income to fund plan..

Plan proposes $225 x 60 0%
Payments: 2/2

RESOLVED:
The debtor has failed to supply the Trustee with the following document(s):
- need update auto insurance for 2 autos. What was provided has expired.
Matter ResolvedRequest
Adjourment
1445/19/2020 10:00 am20-14887 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $50.00  Total Paid In: $800.00
As of 5/8/20(mk): Atty ok with terms.sf

>>Can resolve dispos income issue w/Compromise at ***REC CONFIRM AT $250 PTD, THEN $300 x 58, BEGIN 6/1/20; BASE***

1. Trustee Objection:
-need proof of insurance for 2018 Nissan. Document provided does not list the car.( STILL- uploaded the renters policy NOT auto insurance)
-Disposable income of $370.20 per line 45 of 122C will require minimum dividend of
$22,212 to general unsecured creditors.
- Disposable income per Schedules I & J verify higher at $637.90,
-Schedules fail to account for tax refund of $1845.00 in disposable income.(Added in)
-need copy of 2/ 2020 bank statements for Santander checking & money
market accounts.(PROVIDED)

Plan:250 x 60 base
payments:1/2
last claim:2-1, bar date:6/3/20
Matter ResolvedRequest
Adjourment
1455/19/2020 10:00 am20-14893 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 4 required payments   Arrears: $1,904.00  Total Paid In: $900.00
AS OF 5/18/2020 (at):

RECOMMEND: $600 PAID TO DATE, $1,102 x 46 BEGINNING 6/1/2020, BASE
(increase due to income verifying higher)
Debtor's lease with VW Credit Leasing is rejected.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2019. (RECEIVED)
- Proof of motorcycle insurance for 2013 Suzuki. (RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Home maintenance $350, Food $600, Transportation $550, Health insurance $500 (must provide proof of payments) and Auto lease payment of $309 monthly for the Volkswagon that is not in the debtor's name.
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):
- There is disposable income per Schedule I & J of $680.54, per proof of income and tax refund not listed on Schedule I there is disposable income $1,888.99.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2242 when determining disposable income. (AVERAGED 2019 TAX REFUND OF $943/12)
- The current Plan does not specify treatment of VW Credit for 2018 VW Passat arrears $1,838.22 under the Plan. (MOD PLAN NOT FILED)

Plan proposes: $300 x 36, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
1465/19/2020 10:00 am20-14918 / MBKBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 5/18/20 (DS): Debtor attorney requested adjournment to resolve Trustee obj.

As of 5/13/20 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income. Income provided from business verifies $639.33, income is negative $-496.67.
1 - PER BUSINESS BANK STATEMENT NOV 2019-FEB 2020 DEBTOR PAID $29,370 / 4 MONTHS IS $7,342.50 INCOME
2 - PER 2019 TX RETURN DEBTOR AND SPOUSE INCOME GROSSED $106,395, WHICH SHOWS CASE SHOULD HAVE BEEN ABOVE MEDIAN, ALSO BUSINESS NET INCOME $59,153/12 MONTHS = $4,929.42, THERE IS DISPOSABLE INCOME $3,793.42.
- Excess expense on Sched J for estimated tax payments $1,418, must provide proof that payment are being made monthly or quarterly. PER IRS 2019 OWED $8,388. NO PROOF PROVIDED. THERE WOULD BE DISPOSABLE INCOME $3,793.42.
- Must file Pre-confirmation certificate.

2. Ford Motor (Morton) obj to lease not in plan. Plan does not list, seems to be surrendered. Obj must be resolved.

Prop Plan $815 x 36 Base
Note: 2019 Tax return provided.
Matter ResolvedRequest
Adjourment
1475/19/2020 10:00 am20-15435 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $150.00  
AS OF 5/6/2020 (at):

1. 341 is scheduled for 6/11/20.
2. Payments: 1/1
Matter ResolvedRequest
Adjourment
05/19/2020 11:00 am20-11255 / CMGAndrew Thomas Archer Order Show CauseVacatedTotal Paid In: $2,400.00
***CMG***
FILING FEES
Matter ResolvedRequest
Adjourment
05/19/2020 11:00 am20-13118 / CMGPRO SEOrder Show CauseMoot - Dismissed
***CMG***
FILING EES
Matter ResolvedRequest
Adjourment
05/19/2020 11:00 am20-15859 / CMGJOHN ZIMNIS, ESQOrder Show CauseVacated
***CMG***
MISSING DOCS
Matter ResolvedRequest
Adjourment
05/19/2020 11:00 am20-15878 / CMGYAKOV RUDIKHOrder Show CauseVacated
***CMG***
FILING FEES
Matter ResolvedRequest
Adjourment
1485/19/2020 2:00 pm15-25393 / MBKCANDYCE I SMITH-SKLAR, ESQMotion CompensationGrantedTotal Paid In: $18,825.00
Matter ResolvedRequest
Adjourment
1495/19/2020 2:00 pm16-33782 / MBKEric ClaymanMotion CompensationGranted
Matter ResolvedRequest
Adjourment
1505/19/2020 2:00 pm17-29624 / MBKBRUCE C TRUESDALE ESQMotion CompensationGrantedTotal Paid In: $4,950.00
Matter ResolvedRequest
Adjourment
1515/19/2020 2:00 pm18-19504 / MBKWARREN BRUMEL, ESQMotion CompensationGrantedTotal Paid In: $25,672.00
Matter ResolvedRequest
Adjourment
1525/19/2020 2:00 pm18-21726 / MBKCANDYCE I SMITH-SKLAR, ESQMotion CompensationGrantedTotal Paid In: $4,629.00
Matter ResolvedRequest
Adjourment
1535/19/2020 2:00 pm19-14843 / MBKWilliam H. Oliver, Jr., Esq.Motion CompensationWithdrawnTotal Paid In: $15,296.00
Trustee obj<>
Matter ResolvedRequest
Adjourment
1545/19/2020 2:00 pm19-24097 / MBKEdward Hanratty, Esq.Motion CompensationGrantedTotal Paid In: $3,757.00
Matter ResolvedRequest
Adjourment
1555/19/2020 2:00 pm19-27952 / MBKEdward Hanratty, Esq.Motion CompensationGrantedTotal Paid In: $1,171.00
Matter ResolvedRequest
Adjourment
1565/19/2020 2:00 pm19-28528 / MBKEdward Hanratty, Esq.Motion CompensationGrantedTotal Paid In: $3,480.00
Doc #32 had an error, Doc #33 should be granted
Matter ResolvedRequest
Adjourment
1575/19/2020 2:00 pm19-29815 / MBKEdward Hanratty, Esq.Motion CompensationGranted
Trustee Obj
Matter ResolvedRequest
Adjourment
1585/19/2020 2:00 pm19-31923 / MBKMICHAEL P OTTO ESQMotion CompensationOn the PapersTotal Paid In: $1,252.00
att agreed to have Kaplan review on the papers EDC

trustee objection
Over $12,000 for simple case
Matter ResolvedRequest
Adjourment
1595/19/2020 2:00 pm20-13660 / MBKPRO SEOrder Show CauseMoot - Dismissed
FILING FEES
Matter ResolvedRequest
Adjourment
1605/19/2020 2:00 pm20-13992 / MBKPRO SEOrder Show CauseDismissed
CREDIT COUNSELING
Matter ResolvedRequest
Adjourment
1615/19/2020 2:00 pm20-14169 / MBKHARRISON ROSS BYCKOrder Show CauseDismissed
MISSING DOCS
Matter ResolvedRequest
Adjourment
1625/19/2020 2:00 pm20-14355 / MBKPRO SEOrder Show CauseDismissed
CREDIT COUNSELING
Matter ResolvedRequest
Adjourment
1635/19/2020 2:00 pm20-14509 / MBKPRO SEOrder Show CauseDismissed
MISSING DOCS
Matter ResolvedRequest
Adjourment
1645/19/2020 2:00 pm20-15333 / MBKHARRISON ROSS BYCKOrder Show CauseMoot - Dismissed
MISSING DOCS
Matter ResolvedRequest
Adjourment
1655/19/2020 2:00 pm20-15397 / MBKSTEVEN J ABELSON, ESQOrder Show CauseVacated
FILING FEE
Matter ResolvedRequest
Adjourment
1665/19/2020 2:00 pm20-15668 / MBKANDREW CARROLL, ESQ.Order Show CauseVacated
FILING FEES
Matter ResolvedRequest
Adjourment
1675/19/2020 2:00 pm20-15674 / MBKSTEVEN J ABELSON, ESQOrder Show CauseVacated
FILING FEES
Matter ResolvedRequest
Adjourment
1685/19/2020 2:00 pm20-15783 / MBKROBERT C NISENSON ESQOrder Show CauseVacated
MISING DOCS
Matter ResolvedRequest
Adjourment
1695/19/2020 2:00 pm20-15841 / MBKMark K. Smith, Esq.Order Show CauseVacated
CREDIT COUNSELING
Matter ResolvedRequest
Adjourment
1705/19/2020 2:00 pm20-15892 / MBKBRUCE C TRUESDALE ESQOrder Show CauseVacatedTotal Paid In: $1,545.00
FILING FEES
Matter ResolvedRequest
Adjourment
1715/19/2020 2:00 pm20-15920 / MBKROBERT C NISENSON ESQOrder Show CauseVacated
MISSING DOCS
Matter ResolvedRequest
Adjourment
05/19/2020 2:15 pm18-24714 / KCFPRO SEAP Summons IssuedConverted to 7 / 11
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes