Judge Christine M. Gravelle
Hearing Date: 5/20/2020
Hearing Count: 177
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
05/20/2020 8:30 am19-30037 / RG BRUCE C TRUESDALE ESQConfirmation Hearing ScheduledContinued
6/17/2020 8:30 am
Debtor has made 59 of 9 required payments   Arrears: $0  
Total Paid In: $41,445.00
5/15/20 (SF) MP JUST FILED ON 5/14/20 - TO BE ADJ.

1. Objection filed by Donahue (Michael McLauglin) - objects to treatment of their claim (Consent Order entered reclassifying claim to unsecured.) This objection is still not resolved due to supplemental objection filed on 3/25/20 stating that there is additional income and n/e proceeds from sale of real estate should be paid to Trustee.


2. Objection filed by Caliber Home Loans (Phelan) - failure to pay arrears and speculative sale. No documentation provided to support sale

3. Objection filed by Steven Vella (Darin Pinto) - failure to devote entire disposable income for entire applicable commitment period. Debtor is not paying mortgage payments for Fanwood property so therefore, that income should be added to disposable income. Also plan does not address how it will pay equitable distribution obligations per Martial Settlement Agreement. Debtor allegedly paid $15000 to Maria Aquino within one year of filing.

4. Motion to Expunge claim 18-1 Steven Vella 4/1/20 @ 10 (NEED OUTCOME)

5. Motion to Sell Westfield Road 4/1/20 at 10 (NEED OUTCOME)

6. Motion for Relief by Caliber Homes 4/1/20 at 10 (NEED OUTCOME)

7. Adv. Vella v. Aquino 4/22 @ 10 (JUDGE TO RESERVE DECISION)

8. Steven Vella filed late priority claim for $114,439.43 (MUST RESOLVE) THIS CLAIM WILL WIPE OUT N/E EQUITY IN REAL ESTATE

9. Trustee objection: (Filed by Greenberg's office)
--The Debtor has failed to provide or has provided a deficient valuation of the Debtor's property to the Standing Trustee, and is not cooperating with the Trustee in violation of 11 U.S.C. Section 521(a)(3). Specifically, need valuation on Fanwood property (DM Note - MOTION TO SELL PENDING -- PER THE MOTION, THE TRUSTEE WILL RECEIVE APPROXIMATELY $51,223 IN NON-EXEMPT PROCEEDS FROM THE SALE).

--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. Section 13
Matter ResolvedRequest
Adjourment
15/20/2020 9:00 am14-27416 / CMGROBERT H JOHNSONMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/3/2020 9:00 am

AMT: Per atty, debtor pd bal due/requesting adj to allow time for funds to post<<<>>>

5/18 AMT: $9,400 pymt posted; appx $9,000 will now complete the plan at 100%<<<>>>

5/15/20(mk):Pd 23,000 in march. do we care that NO REFI?

3/31 AMT: Atty advised appx $18,400 will satisfy 100%<<<>>>

3/29/20: atty email wants to pay off at 100%. UPLOADED ADJ. REQUEST -per AR adj 45 days
3/27 AMT: Email to atty re source of $29,000<<<>>>

Debtor obj<>FAILED TO REFI BY 4/1/2018

Matter ResolvedRequest
Adjourment
25/20/2020 9:00 am14-32863 / CMGWardell Huff Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $141,416.00
5/18/20: amt: $138,283 ptd (66 mo); $3133 x 3 beg 6/1/20; The plan length is extended to a total of 69 mo pursuant to the Cares Act.- (atty ok)

5/15/20(mk):PD $3,133 4/3/20.Bal to complete $9,386. Sent Atty an email.


MK to discuss w/atty-debtors woill pay 3331 by next week and another 3331 by end of month. Snt atty a case report. They want to pay case off.
2/27/20: atty working on an arrangement to pay balance off

12/11/19(mk): Atty working on funds to pay balance. Needs time. Will file objection to Motion & Will request adj.

Debtor obj, requests time to pay balance<>ARREARS

Matter ResolvedRequest
Adjourment
35/20/2020 9:00 am15-10228 / CMGHENRY CHUDZIK, JR.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
Debtor paid plan balance,
Matter ResolvedRequest
Adjourment
45/20/2020 9:00 am15-12937 / CMGJAMES J CERBONE, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
4/14 AMT: PIF/PENDING CLOSING AUDIT<<<>>>

Debtor obj<>FAILED TO PAY PLAN BALANCE
Matter ResolvedRequest
Adjourment
55/20/2020 9:00 am15-14257 / CMGJOHN ZIMNIS, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
Mk : paid $570 5/18/20.

As of 5/15/20: Plan Balance $540.

Debtor obj, will pay before court<>FAILED TO PAY PLAN BALANCE
Matter ResolvedRequest
Adjourment
65/20/2020 9:00 am15-15222 / CMGYAKOV RUDIKHMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
AR ATTY PROVIDE UPDATE 3 DAYS BEFORE RETURN
mk:4/14/20 at 2:15 atty emaill asks for adj for 2 mos due to Covid /debtor losses- sent to AR for review.

AR WAITING FOR SPECIFIC PROPOSAL FROM ATTY THEN FORWARD TO TRUSTEE
Plan now in month 61. arrears 4,056.


Debtor obj<>1/13/20:ARREARS are $7,817
Matter ResolvedRequest
Adjourment
75/20/2020 9:00 am15-23929 / CMGWilliam H. Oliver, Jr., Esq.Motion to Cancel DischargeGranted
MTN TO CANCEL/DISCHARGE MTG/BOA
Matter ResolvedRequest
Adjourment
85/20/2020 9:00 am15-25700 / CMGJONI L GRAY, ESQCreditor Certification of DefaultContinued
6/3/2020 9:00 am
Total Paid In: $16,952.00
5/19/20:creditor asked for add'linfo. Debtor has to drop it off. as no way to scan & send. has consent to adj 2 weeks.

5/14/20(mk): per R. Davidow- this will be adj again- to 5/20. will submit a request.

3/31/20:MK: emailed R. Davidow for status-waiting to hear from client as to payment proofs- will elt me know- worst case it will be short adj

US BANK (Phelan)

(TR ARREARS )

MK:atty working on this may be w/d by creditor or adj for payment proof
Matter ResolvedRequest
Adjourment
95/20/2020 9:00 am15-31868 / CMGPAUL N MIRABELLI ESQCertification of DefaultContinued
6/3/2020 9:00 am
Total Paid In: $24,397.00
CARRINGTON MTG ( Jones)

TR arrears 1,252
Matter ResolvedRequest
Adjourment
105/20/2020 9:00 am16-11796 / CMGSTEPHANIE RITIGSTEINMotion Relief from Stay (Fee)WithdrawnTotal Paid In: $14,878.00
5/4/20(mk): creditor won't w/d motion.T hey ant LM motion granted first so req. to adj. to 5/20/20.
4/29/20(mk): per Rhondi - she says I should hear from creditor atty that they will be w/ding this.

Mk: debtor has LM- Motion to Approve filed . last day to object 4/27/20.

Debtor obj<<>>NEWREZ (GREENSPOON MARDER)
Matter ResolvedRequest
Adjourment
115/20/2020 9:00 am16-11872 / CMGEUGENE ROTH, ESQMotion Reopen Ch. 13 Case (fee)Granted
MTN TO REOPEN CASE To Cancel 2nd mtg Lien that was stripped in Plan.
Matter ResolvedRequest
Adjourment
125/20/2020 9:00 am16-15513 / CMGSTACEY L MULLEN, ESQCreditor Certification of DefaultContinued
6/3/2020 9:00 am

BSI FINANCIAL (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
135/20/2020 9:00 am16-27856 / CMGKurt E. Reinheimer, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $62,887.00
NATIONSTAR (Shapiro)
Matter ResolvedRequest
Adjourment
145/20/2020 9:00 am16-28663 / CMGLEE M PERLMAN, ESQNotice of Proposed SettlementWithdrawnTotal Paid In: $13,890.00
Trustee limited obj<>NTC OF SETTLEMENT

mk: Motion was filed per TR obj - hearing 6/3/20
Matter ResolvedRequest
Adjourment
155/20/2020 9:00 am16-31668 / CMGROBERT J FERB ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
5/20 11:00 AMT: APOC FILED >>>ADj . for Filing Amended POC- then case can go to closing.

5/8/20(mk): emailed atty and copied R. Davidow. All we need is Santander Amended POC for 5-1) which removes arrears and then case can go to closing audit. If creditor does not vol. amend , needs a claim motion.

AMT: MP not required; advised atty needs to address mtg clm/post LM<<<>>>


FAILED TO COMPLY WITH 8/12/19 LM ORDER TO FILE MP AND AMD I/J WITHIN 20 DAYS
Matter ResolvedRequest
Adjourment
175/20/2020 9:00 am16-34303 / CMGEric ClaymanCreditor Certification of DefaultContinued
6/3/2020 9:00 am
Total Paid In: $15,844.00
NATIONSTAR (Stern & L)
Matter ResolvedRequest
Adjourment
165/20/2020 9:00 am16-34303 / CMGEric ClaymanMotion Relief from Stay (Fee)Continued
6/17/2020 9:00 am
Total Paid In: $15,844.00
Debtor obj<>MAIDEN WOODS CONDO ASSOC (MCGOVERN LEGAL SERVICES)
Matter ResolvedRequest
Adjourment
185/20/2020 9:00 am17-10161 / CMGPRO SEMotion Withdraw As AttorneyGrantedTotal Paid In: $51,580.00
MTN TO W/D AS DEBTORS COUNSEL
Matter ResolvedRequest
Adjourment
195/20/2020 9:00 am17-11329 / CMGSCOTT E KAPLAN ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $40,783.00
AMT: MP 5/20<<>>mk:if terms accepted, can w/d this


Mk Debtor to file MP

Debtor obj. arrears pd.<>SV/SELECT(Mtg) #8-1;
Matter ResolvedRequest
Adjourment
205/20/2020 9:00 am17-34750 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
6/3/2020 9:00 am
Total Paid In: $11,135.00
Debtor obj<>REVERSE MTG (ROBERSTON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
215/20/2020 9:00 am18-12203 / CMGBRUCE C TRUESDALE ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/17/2020 9:00 am
Total Paid In: $39,032.00
5/15/20(mk): MP (#52)filed & on for 6/17/20 . adds Post pert mtg arrears per Order & extends plan 24 mos for total 60 mos-

4/30/20: adj request uploaded. says MP coming

4/22 AMT: PROPOSED TRUSTEE ORDER - $34,289 PTD (26); $2,096 X 34 BEG 5/1/20 (email to atty)<<>>

4/15 AMT: Email to atty; need to extend plan due to post pet added - atty will advise)<<<>>>

ADJ BY TRUSTEE ATTY TO UPDATE 3 DAYS BEFORE ADJOURNED DATE
made payments - needs more time & is doing double payments- As of 3/27/20:Arrears $2,312

AR THERE HAS BEEN NO REDUCTION IN DELINQUENCY
MFR SCH FOR 1=15

11/20/19- debtor needs time to make double payments


Debtor obj<>ARREARS $8,636 as of 1/2/20.
Matter ResolvedRequest
Adjourment
225/20/2020 9:00 am18-15840 / CMGJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Consent Order to be SubmittedTotal Paid In: $5,600.00
Debtor obj<>M&T BANK (SCHILLER, KNAPP)
Matter ResolvedRequest
Adjourment
245/20/2020 9:00 am18-17695 / CMGCANDYCE I SMITH-SKLAR, ESQCreditor Certification of DefaultOrder to be SubmittedTotal Paid In: $21,884.00
MIDFIRST BANK (KML)
Matter ResolvedRequest
Adjourment
235/20/2020 9:00 am18-17695 / CMGCANDYCE I SMITH-SKLAR, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $21,884.00
Conf on 5/20/20=HR

mk: atty says filed Amended I & case ready to be confirmed once income is reviewed.

AMT: MP 5/20<< REC TERMS<>>>

atty has 1500 and says debtor obtained LM on 1st & 2nd prop. MP on for 4/7/20I

Debtor obj, filng MP<>FAILED TO LM PENNWOOD AVE PPTY BY 2/1/19, EXTENDED LOSS MIT EXPIRED 10/17/19; FAILED TO COMPLY WITH 3/26/19 LM ORDER TO FILE MP AND AMD I/J; ARREARS
Matter ResolvedRequest
Adjourment
255/20/2020 9:00 am18-20565 / CMGJOSEPH J MANIA III ESQMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $4,906.00
NAVY FEDERAL CRED UNION (MCCABE)

mk:Order submitted to chambers 4/24/20
Matter ResolvedRequest
Adjourment
265/20/2020 9:00 am18-24122 / CMGSTUART V BRODMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/3/2020 9:00 am
Total Paid In: $2,445.00
NS
AMT: MP 6/3<<<>>>

4/21/20(mk):atty says MP filed (#50)& debtor's budget has not changed so no Amended I & J filed.

FAILED TO COMPLY WITH 10/25/19 LM ORDER TO FILE MP AND AMD I/J
Matter ResolvedRequest
Adjourment
275/20/2020 9:00 am18-24666 / CMGKevin Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/17/2020 9:00 am
Total Paid In: $13,376.00
5/19/20(mk): Arrears $3,573. Last pay 2/2020. Need status of LM?( Atty reply says :Denied Lm & is reapplying : Has funds to make paymts.
ADJ 6/17/20 .NFA


4/2/20: per atty - LM is in underwriting
FAILED TO LM BY 1/25/19; ARREARS $1779 as of 3/1320
Matter ResolvedRequest
Adjourment
285/20/2020 9:00 am18-24911 / CMGJonathan Stone, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
6/3/2020 9:00 am
Total Paid In: $6,398.00
Select Portfolio obj (Fein Such)<>MTN TO VACATE DISMISSAL
Matter ResolvedRequest
Adjourment
295/20/2020 9:00 am18-24958 / CMGJOSEPH CASELLO ESQMotion EnforceContinued
6/17/2020 9:00 am
Total Paid In: $28,600.00
MTN TO ENFORCE TERMS OF LM
Matter ResolvedRequest
Adjourment
305/20/2020 9:00 am18-26865 / CMGThomas J Orr Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $17,300.00
5/19/20(mk):Order submitted to chambers today. adds post pet to plan & debtor will file MP w/in 14 days

3/16/18(mk) Creditor Adj request-still working on it
3/13/20(mk):STATUS- 8 adj since August.
12/1/19- still working on resolving
10/29/19: Need Status?-- still working on resolution
9/29/19: working on settlement

9/1/19- adj to 10/2/19 @9:00.

8/2/19: creditor requested adj. to 9/4/19 -ongoing settlement negot.

Debtor obj<<<>>>JPMORGAN CHASE BANK (MCCALLA)
Matter ResolvedRequest
Adjourment
315/20/2020 9:00 am18-27303 / CMGFREDERICK J SIMONMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/15/2020 9:00 am
Total Paid In: $19,340.00
5/11/20(mk): per atty debtors app'd for a 9 mo trial Lm. last payment was in May. Will be filing Motion to Approve LM once get papers.


FAILED TO LM BY 7/15/19; EXTENDED LOSS MIT EXPIRED 10/13/19; FAILED TO ADDRESS LATE FILED CLM #22/NY STATE & #22-3 WHICH ADDED POST PET; FEASIBILITY
Matter ResolvedRequest
Adjourment
325/20/2020 9:00 am18-29947 / CMGNICHOLAS FITZGERALD, ESQMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order to be SubmittedTotal Paid In: $9,104.00
5/29 AMT; PPSD ORDER TO CHAMBERS FOR FILING<<<>>>

4/29/20(mk): Trustee OBJ. filed.

TR send Proposed Order to Atty
Matter ResolvedRequest
Adjourment
335/20/2020 9:00 am18-30188 / CMGTRAVIS J RICHARDS ESQMotion Relief from Stay (Fee)WithdrawnTotal Paid In: $19,401.00
WELLS FARGO BANK (POWERS)
Matter ResolvedRequest
Adjourment
345/20/2020 9:00 am19-10868 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
6/17/2020 9:00 am
Total Paid In: $9,293.00
Debtor obj<>PHH MTG (RAS)
Matter ResolvedRequest
Adjourment
355/20/2020 9:00 am19-12248 / CMGDaniel Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $9,046.00
Mk: per atty email- ok to Dismiss

AMT: MP 5/20<>>

4/2/20(mk) atty email says debtor hired new counsel but did not say what to do w/ case. The asked for adj - debtor in hospital- adj 5/20/PEREMPTORY

MP on 4/7-REC. DISMISSAL

adj to 2/19/20-NFA

1/11/20(mk): No MP filed yet. Arrears $3,015(2 payments).

11/20/19- debtor in hospital- atty has MP

Debtor obj, filing MP<>STAY RELIEF/CAPITAL ONE #2-1;on auto; ARREARS
Matter ResolvedRequest
Adjourment
365/20/2020 9:00 am19-12835 / CMGSTACEY L MULLEN, ESQTrustee Certification of DefaultWithdrawnTotal Paid In: $6,800.00
AMT: MP 5/6<<<>>>

MODIFIED PLAN RESOLVES THIS CERTIFICATION OF DEFAULT. HEARING WAS 5/6/20.

MP filed 3/21/20.

(3/11 AMT: MFR pending 4/1; also needs resolution of per plan clm id #4 - emailed atty)
Debtor obj, cured arrears
Matter ResolvedRequest
Adjourment
375/20/2020 9:00 am19-12859 / CMGCANDYCE I SMITH-SKLAR, ESQMotion Relief from Stay (Fee)Continued
6/17/2020 9:00 am
Total Paid In: $6,445.00
Debtor obj<>WELLS FARGO BANK (POWERS)
Matter ResolvedRequest
Adjourment
385/20/2020 9:00 am19-13073 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/17/2020 9:00 am
Total Paid In: $6,920.00
5/18/20(mk): atty proof of TFS payment $1000. will post 5/19/20.adj for other payments to post.

atty proposed 1000 now;2,000 by 21st & balance by 28th. Replied need 1,000 to post ,then can adj for other payments to post.

5/15/20(mk):NO PAYMENTS SINCE Jan 2020. Arrears $7,990.


Debtor obj, will pay $3,00 by 5/7; $1,000 by 5/20; bal by 5/28<>ARREARS
Matter ResolvedRequest
Adjourment
395/20/2020 9:00 am19-15546 / CMGNICHOLAS FITZGERALD, ESQMotion CompelContinued
6/3/2020 9:00 am
Total Paid In: $1,951.00
Mk: Atty to submit Order- Mk review and sent to chambers if there are santions/ fees


5/15/20(mk)TR Suppl Obj, filed to Motion

5/15/20(mk): cert of Service filed. Letter also filed in Support releases USA & St of NJ from motion relief. Still seeking relief vs Union Cty Div. of Social Services. Motion says debtor received notice that she was overpaid $1,783 for NJ SNAP Benefits for 2015. They sent notice of offset to debtor of her st & fed tax returns. Apparently her refunds were intercepted. Debtor has now released The st & fed - so WHAT is he seeking form Union cty? Filed TR objection for clarification & will need new form of Order if there is relief to be granted in this case.

4/10/20(mk): atty needs a 30 day adj for proper service on Union Cty.AJ. to 5/20/20 NFA

4/8/20(mk):Atty cert filed #36 says w/d both United States & St of NJ from action.Now only pursuing relief vs. Union Cty Dept Social Services for causing the offset of St & Federal tax refund. adds damages to his motion ( but no cert from debtor as to damages )& debtor wants to testify. Proposed order attached as exhibit. Atty cert seeks return of Federal refund of 1,800.08 from Union Cty Dept.- ( Union Cty offset refunds for r due to overpayment of NJ SNAP Benefits to debtor.

4/3/20(mk): email form debtor atty-->>>By virtue of this e-mail we are voluntarily dismissing any cause of action related to the within alleged stay violation against either the USA (specifically, the Internal Revenue Service) as well as the State of New Jersey (that is, the Division of Taxation of the Dept. of the Treasury). As both U.S. attorney Mr. O'Hagen and State of New Jersey attorney Ms. Anderson have explained, neither the U.S.A. nor the State of New Jersey had any notice of Ms. Clark's bankruptcy filing. We are suffering though a partial internet outage at my office, but I will endeavor to draft a formal letter to the court later today or tomorrow."<<<





adj to 4/15/20. Judge will hear motion and if sa
Matter ResolvedRequest
Adjourment
405/20/2020 9:00 am19-16297 / CMGCANDYCE I SMITH-SKLAR, ESQCreditor Certification of DefaultContinued
6/3/2020 9:00 am
Total Paid In: $7,620.00
RH 2:00. NEEDS JUDGE.

Debtor obj--WELLS FARGO (Shapiro)

TR Arrears :1,725 as of 5/1/5/20
Matter ResolvedRequest
Adjourment
415/20/2020 9:00 am19-17040 / CMGRUSSELL L LOW, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $2,445.00
NS

5/15/20(mk): Order granting Stay Relief granted 4/15/20. No MP filed. Arrears $2,075. Last pay Jan.2020.

3/27/20(mk) ;adj request- debtor needs more time.

Debtor obj, filing MP<>FAILED TO LM BY 10/1/19, EXTENDED LOSS MIT EXPIRED 11/25/19

>>SV Motion(Deutsche Bk)(RAS) on for 4/15/20
Matter ResolvedRequest
Adjourment
425/20/2020 9:00 am19-17565 / CMGGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/1/2020 9:00 am
Total Paid In: $12,565.00
AMT: MP 7/1<<>>( Plan now to sell inherited Re & use proceeds to plan plan



Debtor obj, filing MP<>FAILED TO LM BY 10/15/19
Matter ResolvedRequest
Adjourment
435/20/2020 9:00 am19-17954 / CMGSTEPHANIE RITIGSTEINMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
OK to Grant & set CONF for 8/5/20.

TR Obj. & Atty reply addresses issues
Matter ResolvedRequest
Adjourment
445/20/2020 9:00 am19-20200 / CMGDAVID A SEMANCHIK ESQMotion Reinstate StayGrantedTotal Paid In: $9,532.00
MTN TO REINSTATE STAY/CASE

NO O'PPN

case was dismissed in March 2020 After Conf. arrears to T'ee.. Pd. that in.
Matter ResolvedRequest
Adjourment
455/20/2020 9:00 am19-22183 / CMGJoan Sirkis Warren Motion Dismiss CaseGrantedTotal Paid In: $4,547.00
DEBTOR MTN TO DISMISS

- No Opposition
Matter ResolvedRequest
Adjourment
465/20/2020 9:00 am19-23237 / CMGRICHARD J PEPSNY, ESQ.Objection to Debtor's Claim of ExemptionsWithdrawnTotal Paid In: $49,486.00
TRUSTEE OBJ TO AMD C, DOC #66 RE EXCESS (d)(5) DUE TO AMOUNT TAKEN ON (d)(1)

MK: Amended C filed and now correct- T'ee obj can be w/d.
Matter ResolvedRequest
Adjourment
475/20/2020 9:00 am19-24038 / CMGMarc C. Capone, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $12,213.00
CALIBER HOMES (Phelan)( TR ARREARS)
Matter ResolvedRequest
Adjourment
495/20/2020 9:00 am19-25105 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $6,054.00
Debtor obj<>SANTANDER BANK (GROSS MCGINLEY)
Matter ResolvedRequest
Adjourment
485/20/2020 9:00 am19-25105 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $6,054.00
Debtor obj<>U.S BANK TRUST NAT'L ASSOC (KML)
Matter ResolvedRequest
Adjourment
505/20/2020 9:00 am19-25541 / CMGJOAN S. WARREN, ESQ.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnTotal Paid In: $10,087.00
MTN TO EXPUNGE CLAIM 4-1
Matter ResolvedRequest
Adjourment
525/20/2020 9:00 am19-25605 / CMGWilliam H. Oliver, Jr., Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToMoot
5/15/20(mk): MFR & Conf.( REC DISMISS) On 5/20/20

MTN TO MODIFY CLM #9 (JP Morgan Chase)-Phelan)TO SHOW ARRS AS TAXES & INTEREST ONLY
Matter ResolvedRequest
Adjourment
515/20/2020 9:00 am19-25605 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayGranted
Debtor obj<>JPMORGAN CHASE (PHELAN)
Matter ResolvedRequest
Adjourment
535/20/2020 9:00 am19-26390 / CMGJustin M. Gillman, Esq.Order Shorten TimeGrantedTotal Paid In: $4,800.00
>>OST<<


DEBTOR MTN TO DISMISS
Matter ResolvedRequest
Adjourment
545/20/2020 9:00 am19-27333 / CMGDaniel Straffi, Esq.Application for Early Termination of Loss MitigationGranted
Debtor obj<>WILMINGTON TRUST MTN FOR EARLY TERMINATION OF LOSS MIT (Friedman Vartolo)

Conf. on 5/20/20 :REC DISMISS
Matter ResolvedRequest
Adjourment
555/20/2020 9:00 am19-27616 / CMGGeorge E Veitengruber IIIMotion Relief from Stay (Fee)GrantedTotal Paid In: $66,216.00
US CUT/FIRSTRUST BANK (GARY ZEITZ)

No Opp'n
Matter ResolvedRequest
Adjourment
565/20/2020 9:00 am19-29874 / CMGADRIAN JOHNSONMotion Relief from Stay (Fee)Granted
Debtor obj<>FAY SERVICING (FRIEDMAN VARTOLO)

Conf on 5/20/20: REC DISMISS

Loss Mit denied 4/9/20. debtor wants to MP to cure plan.
orig.conf hearing 5/20/20 but that plan has LM so needs MP
Need Order to pay AP payments to bank by TR.
Matter ResolvedRequest
Adjourment
575/20/2020 9:00 am19-30375 / CMGLEE M PERLMAN, ESQMotion Relief from Stay (Fee)Continued
6/3/2020 9:00 am
Total Paid In: $4,725.00
Debtor obj<>ESTATES AT OAK MILL COMMUNITY ASSOC (NONA OSTROVE)
Matter ResolvedRequest
Adjourment
585/20/2020 9:00 am19-31610 / CMGSTEPHANIE RITIGSTEINMotion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $2,370.00
MTN TO ALLOW LATE POC WESTERN MONMOUTH UTLITIES
Matter ResolvedRequest
Adjourment
595/20/2020 9:00 am19-32024 / CMGJoan Sirkis Warren Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $2,450.00
Debtor obj<>NEWREZ/SHELLPOINT (WALLACK)

OTBS=Debtor in Trial LM, LM by 8/31/20.
Matter ResolvedRequest
Adjourment
605/20/2020 9:00 am19-32597 / CMGYAKOV RUDIKHMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $2,100.00
MTN TO EXPUNGE POC 1-1 AMERICAN HONDA
Matter ResolvedRequest
Adjourment
625/20/2020 9:00 am19-33261 / CMGSTEVEN J ABELSON, ESQMotion Relief from Co-Debtor StayOrder to be Submitted
Debtor obj<>MIDFIRST BANK (KML)

FYI: this is a separate motion from the Stay Motion that was W/D.

Order will add post pet. arrears $5,588.27 to plan & will provide for MP tobe filed
Matter ResolvedRequest
Adjourment
615/20/2020 9:00 am19-33261 / CMGSTEVEN J ABELSON, ESQMotion Relief from Co-Debtor StayWithdrawn
MIDFIRST BANK (KML)
Matter ResolvedRequest
Adjourment
635/20/2020 9:00 am19-33667 / CMGKevin Fayette, EsqMotion Relief from Co-Debtor StayOrder Previously SubmittedTotal Paid In: $2,570.00
5/19/20(mk): Order submitted to chambers today.

Debtor OBJ. (#21)

THE MONEY SOURCE (KML)
Matter ResolvedRequest
Adjourment
645/20/2020 9:00 am20-10173 / CMGSCOTT D SHERMAN ESQMotion Approval to Participate in the Court's Loss Mitigation ProgramWithdrawn
MTN LOSS MIT/SELENE FINANCE
Matter ResolvedRequest
Adjourment
655/20/2020 9:00 am20-10231 / CMGAngela Nascondiglio Stein Motion Relief from Co-Debtor StayContinued
6/3/2020 9:00 am
Total Paid In: $400.00
Debtor obj<>HSBC BANK (RAS)
Matter ResolvedRequest
Adjourment
665/20/2020 9:00 am20-10819 / CMGWARREN BRUMEL, ESQMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnTotal Paid In: $3,325.00
Trustee obj<>MTN TO EXPUNGE/MODIFY IRS CLAIM

>>IRS filed Amended POC-4/8/20
Matter ResolvedRequest
Adjourment
675/20/2020 9:00 am20-10902 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayContinued
6/17/2020 9:00 am

Debtor obj<>CROSSCOUNTRY MTG (MILSTEAD)
Matter ResolvedRequest
Adjourment
685/20/2020 9:00 am20-12132 / CMGS DANIEL HUTCHISON ESQMotion Relief from Co-Debtor StayOrder Previously SubmittedTotal Paid In: $2,180.00
SALT AND LIGHT CO/LANDLORD (WEISHOFF & RICHARDS)
Matter ResolvedRequest
Adjourment
695/20/2020 9:00 am20-12259 / CMGMARK W FORDMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
NEEDS NEW CONF DATE- make it 8/5/20.


Dismissed before conf. No $ ,No 341 NS

Cert says :Pd 800 to atty; 341 docs in and adj request there for new date.
Matter ResolvedRequest
Adjourment
705/20/2020 9:00 am20-14922 / CMGMelissa Y. Spears, Esq.Motion Impose Automatic StayGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
715/20/2020 10:00 am15-28221 / CMGROGER J. YEHL, ESQ.Confirmation Hearing on Modified PlanConfirmedDebtor has made 8 of 58 required payments   Arrears: $0  
Total Paid In: $20,544.00
as of 5/13/2020

1) To confirm need $15,472 paid to date, $2,536x4 begin 6/1/2020 base plan

proposed plan $2,536x5 begin 4/1/2020 base plan
paid in $15,472
4 months to go
Matter ResolvedRequest
Adjourment
725/20/2020 10:00 am17-11329 / CMGSCOTT E KAPLAN ESQConfirmation Hearing ScheduledConfirmedDebtor has made 31 of 42 required payments   Arrears: $2,592.00  Total Paid In: $40,783.00
ISSUES AS OF 5/13/2020 (DM): - Per Atty ok with terms

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $39,487 PTD, THEN $1,296 x 21 STARTING 5/1/20, BASE PLAN, ATTY TO SUBMIT A $1,100 FEE APP WITHIN 15 DAYS (base not to be further raised upon filing); ADD TO CONFIRMING ORDER: BOA/SELECT PORTFOLIO SERVICING POC (8-1) SHALL RECEIVE NO FURTHER DISTRIBUTION BY THE TRUSTEE AND BE TREATED OUTSIDE THE PLAN PER STAY VACATE ORDER***

1) MP proposes secured unaffected treatment to SPS - stay vacated 10/16/19 (TRUSTEE TO ADD TO CONFIRMING ORDER - CLAIM IS TREATED OUTSIDE THE PLAN PER STAY VACATE).


Confirmed Case: $3,990 Ptd, $1,126 x 53 start 9/1/17, Base Plan
Trustee Order: $13,578 Ptd, $1,285 x 39 start 11/1/18
Prop. MP: $38,191 Ptd, $1,296 x 21 start 5/1/20, Base Plan
PTD = $39,487
Last Claim (13-2) dated 2/28/18
Matter ResolvedRequest
Adjourment
735/20/2020 10:00 am17-30601 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 49 of 33 required payments   Arrears: $0  
Total Paid In: $20,031.00
5/7 workup for the 5/20 calendar EDC

* After adding back the trustee arrears it can be CONFIRMED AT **** $18,856 paid then $385 x 20 beg 6/1/20 pro rata
(51 month plan)

-MP to remove One Main cram and surrender
-Income has decreased
-Plan shortened
* MP proposes -paid to date then 355 x 20 beg. 4/1/20
Matter ResolvedRequest
Adjourment
745/20/2020 10:00 am18-17695 / CMGCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 99 of 27 required payments   Arrears: $0  
Total Paid In: $21,884.00
ISSUES AS OF 5/13/2020 (DM): - Atty ok with terms.

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $20,992 PTD, THEN $222 x 35 STARTING 6/1/20, BASE PLAN, STUDENT LOANS TREATED OUTSIDE THE PLAN***

 4/6/20 - Still need 2018 tax returns (RECEIVED 2019 TAX RETURNS)  Amended Sch I&J filed 4/2/20 adds a new $530 deduction for 401k loan (TRUSTEE ADDS BACK) - Need 401k loan statement including when it was taken out (RECEIVED)  Ytd income from 3/13/20 pay stub provided on 4/2/20 verifies higher ($3,614.20 includes bonus) than scheduled ($2,932.90 plus $250 bonus - AMENDED I&J FILED 4/30/20)  The interest rate (4.875%) and monthly payment ($1,591.01) on amended Sch J and Loan Mod motion do not agree with the interest rate (4.25%) and monthly payment ($1,486.96) on the amended POC (12-3) on Stuyvesant Ave property - Need recent mtg statement (CORRECTED ON AMENDED I&J FILED 4/30/20).

 4/6/20 - Per email from PHELAN, Santander should be refunding the Trustee three payments for a total of approximately $1,179.13 post Loan Mod on Pennwood Dr property.

 4/5/20(mk): atty email says amended I filed-& thinks case can be confirmed once income reviewed --(also see AMT notes below).

1) MP proposes $6,191.76 cram treatment to Santander on 2014 Dodge Journey - plan was confirmed with cram amount calculated at $6,865.16 (TRUSTEE TO WORK-UP AT CONFIRMED NUMBER).

2) Debtor received a Loan Mod with Santander Bank (PHELAN) and MP removed pre-petition arrears - need to confirm with PHELAN if Trustee is to pay remaining balance of $3,978.32 post-petition arrears added to the plan per order dated 8/8/19. (4/3 AMT: CREDITOR EMAIL ATTACHED - PP CLM ADJUSTED)

3) Debtor needs to move against Santander POC if claim is not amended post Loan Mod within 60 days of confirmation.
(4/3 AMT: POC ADJUSTED PER LM ORDER DOC #85)

4) Trustee OBJ:
- Need amended Sch I&J (AMENDED 4/2/20 & 5/1/20).
- Need updated proof of income (UPLOADED 4/2/20).
- Need 2018 tax returns (RECEIVED 2019 TAX RETURNS).


Confi
Matter ResolvedRequest
Adjourment
755/20/2020 10:00 am18-18157 / CMGLAWRENCE W. LUTTRELLConfirmation Hearing ScheduledConfirmedDebtor has made 30 of 27 required payments   Arrears: $0  
Total Paid In: $26,423.00
MK : strike cram form Plan and separate motion to cram w/in 30 days ***SEE TERMS BELOW***

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

***Loan Mod with Deutsche Bank is completed and Order has been entered. TRUSTEE CAN RECOMMEND CONFIRMATION AT $24,638.52 PTD, THEN $892 x 35 STARTING 6/1/20, BASE PLAN, STRIKE PART 4d AND PART 7b FROM THE PLAN, DEBTOR TO FILE A SEPARATE MOTION TO CRAM SLS WITHIN 30 DAYS***

1) Trustee OBJ:
- Confirming Order provided that debtor would file a separate cram motion within 30 days with respect to Residential Funding/US Bank/SLS POC (1-1). Part 4d of the Plan was stricken at confirmation, and Part 4d/7b of the Modified Plan should also be stricken for failure to comply with the confirming order. In addition, real estate values and superior lien claims have changed since the filing of the bankruptcy case.


Confirmed Case: $5,900.07 Ptd, $1,145 x 52 start 1/1/19, Base Plan
Prop. MP: $565.08 x 2, $638.37 x 3, $1,144.86 x 15, $418.59 x 40, Base Plan
PTD = $24,638.52
Last Claim (9-1) dated 7/10/18
Matter ResolvedRequest
Adjourment
765/20/2020 10:00 am18-22348 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 31 of 25 required payments   Arrears: $187.00  Total Paid In: $5,848.00
ISSUES AS OF 5/13/2020 (DM): - Atty ok with terms.

***Debtor is surrendering 2006 GMC Envoy. In order to complete case in 36 months, DEBTOR NEEDS $5,698 PTD, THEN $150 x 13 STARTING 6/1/20, 0% PLAN***


Confirmed Case: $1,254 Ptd, $263 x 30 start 1/1/19, 0% Plan
Prop. MP: Ptd, $107 x 16 start 4/1/20, 0% Plan
PTD = $5,698
Last Claim (4-1) dated 7/6/18
Matter ResolvedRequest
Adjourment
775/20/2020 10:00 am19-12209 / CMGLAURENCE R SHELLER, ESQConfirmation Hearing on Modified PlanContinued
7/1/2020 10:00 am
Debtor has made 7 of 17 required payments   Arrears: $2,979.00  Total Paid In: $2,401.00
AS OF 5/14/20 (at):
AR ATTY HAS NOT ADDRESSED 2 PER PLAN LETTERS -I DONT UNDERSTAND PLAN STATING DEBTOR DOES NOT OWN ANY SECURED PROPERTY - MUST RESOLVE

1. Received Certification of Debtor in Support of Extending plan length to 84 months. Need proof of income. March and April income and bank statements.

MP proposes: $2,065 paid to date, $398 x 71 beginning 5/1/2020, not less than $25,825 to guc's
To use CARES act to lengthen plan from 5 years to 7 years due to debtor's covid 19 unemployment
lengthen plan and verify what claims are being paid
Matter ResolvedRequest
Adjourment
785/20/2020 10:00 am19-12248 / CMGDaniel Straffi, Esq.Confirmation Hearing on Modified PlanDismissedDebtor has made 8 of 17 required payments   Arrears: $0  
Total Paid In: $9,046.00
mk: case to be dismissed on TR Motion on today at 9.

As of 5/7/20(mk:

>> Case was adj to 5/20/20 PEREMPTORY. NOW Dan Straffi is new Counsel for debtor. as of 4/20/20. NO MP filed & this plan is not feasible. Now SV on Home and 1 auto (Cap One). 0% so no one to pay .& ARREARS ARE $7,547. (8/15 payments. Last pay 12/2019.


1. Stay Motion by Select Portfolio on Mtg.(Fein) on 4/1/20.(GRANTED).

2. Trustee Objection to MP:
-payments have been inconsistent timing and in amounts paid. Arrears now $5,281.(3/13 payments) Last payment was Dec 2019. Trustee motion carried to 3/18/2 then 4/1/ now 5/20.
- MP increases payments from 1,133 to 1,198.
- No amended I & J. Income is rent, unemployment and social security.
-Plan balance is approx. $60,729.63
- PLAN IS NOT FEASIBLE.

3. Stay Motion by Regional Acceptance on 2017 Nisan Rogue(Bernstein) on 3/18/20. (Settled)


>>MP proposes 1198 x 48, 0%. Plan has run 15 mos and has 45 left.<<
Matter ResolvedRequest
Adjourment
795/20/2020 10:00 am19-16599 / CMGEric ClaymanConfirmation Hearing on Modified PlanConfirmedDebtor has made 8 of 15 required payments   Arrears: $466.00  Total Paid In: $1,800.00
AS OF 5/12/20 (at):

RECOMMEND: $1,800 PAID TO DATE, $233 x 30 BEGINNING 6/1/2020, BASE
(Increase due to $720 arrears to the trustee)
Non exempt proceeds from personal injury suit are to be turned over to the trustee.

MP proposes: $180 x 36, $1,000 to guc's
Payments: 9/13, arrears $720

Matter ResolvedRequest
Adjourment
805/20/2020 10:00 am19-17813 / CMGPRO SEConfirmation Hearing ScheduledConfirmedDebtor has made 12 of 15 required payments   Arrears: $0  
Total Paid In: $4,896.00
As of 5/14/20(mk): Debtor OK to terms

***CAN REC. CONFIRM AT $4,095 PTD: Then $400 x 23, Begin 6/1/20: Base; OTBS resolving objection by Ravens Crest East At Princeton Meadows Condo Association stating that their claim #1-1 will be paid a secured claim in the amount of $2,358
through the plan and the balance of the claim of $45,359.86 is deemed to be unsecured and shall be paid pro rata with general unsecured creditors pursuant to the terms of confirmation w/in 30days. OTBS by PHH resolving objection to Confirmation w/in 30 days. Must provide 2019 Tax return by 8/15/20. Trustee standard order of distribution.***


1. Objection (#145)by PHH( RAS) (OTBS- Pay Amts per POC & Order1/16/20).
-new obj after prior obj. #142 was w/d at #144)
- Plan has conflicting Treatment.Part 4a. cure. Part 4f unaffected. Needs clarifications
on Debtor's intent.

2. Objection(#150) by Ravens Crest East Condo Assoc( Cutolo Barros): ( OTBS-PAY $1626 732=2,358 as secured part & balance
of claim is unsecured and treated w/ other gucs.)
- fails to provided for the Assoc's Claim
-debtor misrepresents his income.
-failure to disclose all bank accounts. DEBTOR FILED REPLY(#153 & 154)

3. Trustee Objection: Issues Resloved
need 2019 tax return(by 8/15/20) to determine if there is a refund.
-need 3 mos. Jan- Mar. 2020 for National Business Association Credit Union.
- debtor is not paying all disposable income into plan.(All income reviewed & resolved)
-Proof of income for Jan- March 2020 for debtor's law practice was attached to Amended I.
There was no P & L provided but rather a sheet that debtor prepared adding up income
for the 3 mos( and attaching checks in support) .It calculated that income
at Gross $8,165.39 (supplied copies of checks received during Jan- March 2020)minus
federal and state taxes,social security,& medicare for a net $5,879.09.
He then divides this amount by 12 months to get $489.92 per month
instead of 3 months (Jan. - March 2020) which would be $2188
Matter ResolvedRequest
Adjourment
815/20/2020 10:00 am19-19056 / CMGNICHOLAS FITZGERALD, ESQConfirmation Hearing ScheduledPlan DeniedDebtor has made 8 of 14 required payments   Arrears: $1,200.00  
mk: atty said sale fell through. debtors had trouble supplying docs. This Plan Denied and file a MP w/in 14 days.

ISSUES AS OF 5/14/2020 (DM):

***Debtor is 5 Trustee payments behind and has failed to address the issues contained in the Trustee objection filed in March 2020 - RECOMMEND DISMISSAL***

 Motion to Conduct 341 Via Alternative Means scheduled for 12/4/19 was granted - need responses to written 341 exam that was sent to Debtor's counsel (MK: Atty has written answers. Debtor is a Disabled Vet and fell several times. Atty will upload Rogs for MK review - AMT: WRITTEN 341 INTERROGATORIES RECEIVED AND TRUSTEE OBJ FILED).

1) Wilmington Savings (Argentieri) OBJs to confirmation (UNRESOLVED).

2) Trustee OBJ:
- Need Atty Cert with respect to the debtor's ID and SSN (UNRESOLVED).
- Debtor has insufficient income.
- Need condo insurance with liability coverage (UNRESOLVED).
- Need proof of insurance for 2000 Chrysler (UNRESOLVED).
- Need to file a Pre-Confirmation Certification (FILED).
- Confirming Order must provide for the turnover of all non-exempt proceeds from all claims held by the debtor.


Prop. Plan $200 x 11, 100% Plan, Sale by 5/1/20
PTD 7/12 = $1,400
Last Claim (1-1)
Matter ResolvedRequest
Adjourment
825/20/2020 10:00 am19-19078 / CMGKarina Pia Lucid Confirmation Hearing on Modified PlanConfirmedDebtor has made 10 of 14 required payments   Arrears: $3,773.00  Total Paid In: $36,408.00
5/8 workup for the 5/20 calendar EDC - Atty ok with terms
mk Lm by 6/24/20 - AR ok w/ no ewage.
$2839 set up for monthly mortgage conduit payment included in trustee payment=$3155 monthly just to pay conduit. If we add the 100% we will need:

****CAN CONFIRM AT $32726.74 paid then 3727 x 48 beg 6/1/20- 100% - LM by 6/24/20-trustee to rec. non-exempt proceeds from claim against his employer
(this includes the arrears of $2049.58 from due past conduit payments and the monthly $2869 conduit with trustee comm.)

-trustee to pay AP to Carrington


4/7 workup for the 4/15 calendar EDC
ADJ PEREMPTORY ATTY TO EMAIL EC AFTER 3-5 TO REVIEW OUTSTANDING ITEMS (no email sent to edc)-can confirm if LM issue resolved case is 11 months old EDC

-OUTSTANDING PER INTERIM SCH ORDER NFA REGARDING LM:
(1) MOTION FOR LOSS BY 12-18 AND COMPLETE PACKAGE TO LENDER BY 12-31 ----LENDER CHECKING 2/5
SUBMITTED
(2) RESOLVE OBJ BY: BANK OF AMERICA TO LM-NOT DONE

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

RESOLVE BANK AMERICA, SANTANDER AND TRUSTEE BY 2/5-----not done
OTBS UNAFFECTED AND RETAIN LIEN
FILE MP BY 2/5-----not done
EWAGE ------not done

-motion for relief on for 2/5 by Greenwich HOA
MP includes $6000 to Baker EFCU but no claim filed. Cannot pay unless claim filed by either Baker or debtor
ORDER ATH LATE CLAIM FILING AND AUTH TR TO PAY
1) Bank of America (Powers Kirn) objection to MP confirmation - need to resolve
-arrears $200,016.39( 11/20/19-MK- creditor atty -nothing resolved)
2) Santander Consumer USA Inc (Morton & Craig) objection to confirmation - need to resolve(MK- MP says unaffected-ok w/Morton)
OTBS BY 12-31) Trustee objection to confirmation - need to resolve
-the debtors plan consists of unnecessary/excessive expense items - $500/gas & electric; $660/car payment; $698 car payment (OK 100%)
-the debtor is not paying all disposable income - per the amended 122c monthly disposable income is over $9000 monthly for gucs (OK 100%)
-Schedule I income needs to be recalculated with
Matter ResolvedRequest
Adjourment
845/20/2020 10:00 am19-23100 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
6/17/2020 10:00 am
Debtor has made 10 of 12 required payments   Arrears: $214.00  Total Paid In: $2,200.00
Received Cert and Trustee has reviewed - Atty needs Adj to provide more specificity with respect to disposition of sale proceeds

ISSUES AS OF 5/15/2020 (DM):

***Still waiting for executed HUD-1 from the sale of East Veterans Highway property previously requested. Note, debtor is unemployed and is pulling funds from 401k pending determination of permanent disability***

 4/7/20 - Adj to 5/20/20 Peremptory - NFA.

 11/4/19 - Deed uploaded that provides East Veterans Highway property was sold 9/2016 for $390,000.

1) PNC filed $815.06 arrears claim on East Veterans Highway property not listed in the bankruptcy (MOTION GRANTED AND CLAIM HAS BEEN RECLASSIFIED TO GENERAL UNSECURED).

2) Trustee OBJ:
- Debtor has insufficient income.
- Need July 2019 bank statement for PNC Bank account (UNRESOLVED - note, acct overdrawn $763 as of 6/18/19).
- Plan does not specify treatment of PNC Bank under the Plan (MOTION TO RECLASSIFY WAS GRANTED)..
- PNC Bank filed secured claim on East Veterans Highway property not listed in the Petition. Debtor must amend schedules and provide documents with respect to this undisclosed property or provide a Certification with respect to said property (MOTION TO RECLASSIFY WAS GRANTED).


Prop. Plan $200 x 60, 0% Plan
IRA withdrawals until disability finalized
PTD 10/10 = $2,000
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
855/20/2020 10:00 am19-25497 / CMGMarc C. Capone, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 9 of 11 required payments   Arrears: $1,750.00  Total Paid In: $15,750.00
ISSUES AS OF 5/15/2020 (DM): - Atty ok with terms.sf

***PER AR, TRUSTEE RECOMMENDS CONFIRMATION AT $14,000 PTD, THEN $1,750 x 51 STARTING 6/1/20, BASE PLAN; ADD TO CONFIRMING ORDER: SWIFT FINANCIAL SHALL FILE AMENDED POC (9-2) WITHIN 30 DAYS FOR A $7,500 SECURED CLAIM AND THE CHAPTER 13 TRUSTEE SHALL BE AUTHORIZED TO PAY SAID AMENDED CLAIM; DEBTOR SHALL FILE AND PAY ALL INCOME TAX RETURNS FOR TAX YEAR 2019 AND ALL SUBSEQUENT TAX PERIODS, FAILURE TO FILE TAX RETURNS AND PAY TAX OBLIGATIONS SHALL RESULT IN DISMISSAL; ALL INCOME TAX REFUNDS DURING PLAN PERIOD SHALL BE TURNED OVER TO THE CHAPTER 13 TRUSTEE AS ADDITIONAL PLAN PAYMENTS; DEBTOR TO SUBMIT TAX RETURNS TO THE CHAPTER 13 TRUSTEE BY 8/15/20 FOR 2019 TAX PERIOD AND BY MAY 15th FOR EACH SUBSEQUENT YEAR; DEBTOR MUST MOVE AGAINST CITIZENS BANK POC (10-1) WITHIN 45 DAYS IF SAID CLAIM IS NOT AMENDED TO $0 ARREARS***

1) Quicken Loans (STERN E) OBJs - $2,649.66 arrears (MP PAYS).

2) Citizens Bank (Ronald Gellert, Esq) OBJs - $566.17 arrears - per atty, this was paid by business - informed atty that claim needs to be amended or claim needs to be paid (OBJ WITHDRAWN BY STATUS CHANGE FORM - STILL NEED AMENDED POC).

3) Thomas Bergstrom (POWERS KIRN) unsecured creditor OBJs - debtor's bankruptcy filing and supporting documentation is deficient - atty advises that creditor is not pressing objection (OBJ OVERRULED - NO APPEARANCE ON 5/6/20).

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

5) Trustee Supplemental OBJ:
- Unsecured claims filed exceed the 109e limit (4/17/20 ORDER CONVERTING JP MORGAN CHASE POC (20-1) TO A CONTINGENT CLAIM STILL RESULTS IN GUC CLAIMS EXCEEDING THE 109e LIMIT - AR, set up claim in full).

6) Trustee OBJ:
- Need Business Profit and Loss for the entire month of May 2019 (RECEIVED).
- Need to amend Sch C to take proper exemptions on 2008 Ford Econo - there is $1,465 non-exempt equity.
 Excess Expenses Sch J: $235 home maintenance, $730 childcare/education, $1,500 estimated IRS and NJ pa
Matter ResolvedRequest
Adjourment
865/20/2020 10:00 am19-25541 / CMGJOAN S. WARREN, ESQ.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 11 required payments   Arrears: $3,710.00  Total Paid In: $10,087.00
5/6 workup for the 5/20 calendar EDC

**CAN CONFIRM at: $8387 paid then 1855 x 51 beg 6/1/20 100%

-case reinstated 5/6
-Filed MP on 2/21 removes loan mod and says parents are paying the $45,000 in arrears outside of the plan. Need to have proof amount was paid and amend arrears to 0. (NEW MP FILED 4/27 HAS SAME TERMS-claim now amended to 0 and paid)
-MP treats Snap On outside of the plan and no arrears - do not pay OK
-100%
Matter ResolvedRequest
Adjourment
875/20/2020 10:00 am19-25605 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 9 of 11 required payments   Arrears: $0  

ISSUES AS OF 5/15/2020 (DM):

***Debtor is 4 Trustee payments behind with the last payment received in January - RECOMMEND DISMISSAL***

 3/4/20 - AR, ADJ TO 5/20/20 FOR CLAIMS MOTION WITH RESPECT TO CHASE CLAIM.

 2/5/20 - AR to discuss with Phelan and debtor's counsel - ADJ FOR STAY MOTION.

1) JP Morgan Chase (PHELAN) OBJs - $47,140.22 arrears on Meadow St property - plan provides that no arrears due b/c of Sandy Forbearance agreement - per Court notes form 10/16/19, this was to be resolved by OTBS but no order yet (AR, NEED TO SEE AGREEMENT - MK uploaded agreement under Post-341 Misc - need AR to review).

2) JP Morgan Chase (PHELAN) filed MFR on Meadow St property currently scheduled for 3/4/20 - need result.

3) Cazenovia Creek Funding filed $1,347.29 secured tax claim on Meadow St property (OKAY TO PAY??)

4) Plan provides $697 secured treatment to Cazenovia Creek Funding on Oceanic Dr property - no POC filed (STRIKE??)

5) Nationstar/Mr. Cooper (GROSS POLOWY) filed MFR on Oceanic Dr property currently scheduled for 2/5/20 - need result. Plan provides secured unaffected treatment to creditor - no POC filed (MFR GRANTED).

6) Plan provides $6,536 secured paid in full treatment to American Honda Finance on 2013 Honda Pilot - secured POC filed in the amount of $6,143.79 (TRUSTEE TO PAY PER POC UNLESS CONSENT ORDER IS OBTAINED TO PAY HIGHER AMOUNT).

7) Trustee OBJ:
- Debtor has insufficient income.
- Need to file Pre-Confirmation Certification (FILED).
- Need a copy of the divorce decree (PROVIDED).
- There is $13,105 non-exempt equity in residence (MOOT, POC FILED).


Prop. Plan $200 x 60, 0% Plan
PTD 5/9 = $1,000
Last Claim (10-1)
Matter ResolvedRequest
Adjourment
885/20/2020 10:00 am19-25924 / CMGJAMES J CERBONE, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 10 of 11 required payments   Arrears: $0  
Total Paid In: $2,171.00
ISSUES AS OF 5/15/2020 (DM): - Per atty ok with terms.sf

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $1,755 PTD, THEN $208 x 27 STARTING 6/1/20, 100% PLAN; ADD TO CONFIRMING ORDER: TRUSTEE IS AUTHORIZED TO PAY FIG CUST SECURED POC (6-1), RUSHMORE POC (2-1) SHALL BE TREATED OUTSIDE THE PLAN (stay relief granted)***

1) Rushmore/Forethought (PLUESE) OBJs - $69,419.13 arrears - Stay Relief granted 1/18/20 (MP TREATS CLAIM OUTSIDE THE PLAN PER STAY RELIEF).

2) Fig Cust filed $625.73 secured tax claim not treated in plan (OKAY TO ADD?? - Yes).

3) Trustee OBJ:
- Need to amend Sch I to include income from Howell Twp and remove unemployment (UNRESOLVED).
- Excess Expenses Sch J: $370 medical/dental (100% PLAN).
- Plan fails to provide for a prompt Loan Mod completion date (MOOT).

Note: New proof of income provided for co-debtor from Howell Twp.


Prop. Plan $195 x 36, 100% Plan
PTD 9/9 = $1,755
Last Claim (6-1)
Matter ResolvedRequest
Adjourment
895/20/2020 10:00 am19-25987 / CMGSEYMOUR WASSERSTRUM, ESQConfirmation Hearing ScheduledContinued
6/17/2020 10:00 am
Debtor has made 8 of 11 required payments   Arrears: $1,905.00  Total Paid In: $14,500.00
MP filed and on for 6/17/20. it recaps arrears. Atty Says NJ return were filed and working on amended return

AR IF DEBTOR MAKES 2 PYMNTS AND PROVIDES PROOF OF FILNG RETURNS CAN ADJ
Adj request denied - previous adjournment was peremptory for estimated taxes - no amended claim or motion to modify claim has been filed.

ISSUES AS OF 5/15/2020 (DM):

***NJ tax claims are still estimated and Debtor is 3 Trustee payments behind with the last payment received in March. Atty also uploaded unemployment information. Is this case still feasible??***

 3/4/20 - Adj to 5/20/20 - NFA - Peremptory.

1) IRS filed $271.18 amended priority claim not treated in plan (OKAY TO ADD?? - 3/4/20 Mk: per atty -PAY).

2) State of NJ filed $2,284.40 priority claim that includes estimated taxes for 2015 - 2018 not treated in the plan (UNRESOLVED - 3/4/20 mk: returns just recently filed).

3) State of NJ filed $9,136.12 general unsecured claim that includes estimated taxes for 2005 - 2014 (UNRESOLVED - 3/4/20 Mk ;returns just recently filed).

4) Trustee OBJ:
 Need copy of Will from the estate of the co-debtor's mother (RECEIVED WILL and SIGNED LETTER THAT NO MONEY HAS BEEN DISTRIBUTED AS OF 2/28/20 - DON'T UNDERSTAND GIFT REFERENCE IN THE EMAIL FROM MECCA LAW FIRM).
 Need letter from probate attorney regarding the status of the estate (RECEIVED EMAIL THAT DOESN'T CLEAR UP ISSUE).mk: atty to sand email to mk & AR explaining issue.
 The Order of Distribution departs from the Trustee standard (USE STANDARD??)
**********
- Need CMA that includes comps (RECEIVED).
- Need proof of service on cram motions (FILED).
- Disposable income verifies higher at $2,931 (OKAY, $802 SSI WAS INCLUDED).


Prop. Plan $2,100 x 60, 0% Plan, Loan Mod by 2/2020
PTD 6/9 = $12,600
Last Claim (1-3)
Matter ResolvedRequest
Adjourment
905/20/2020 10:00 am19-26890 / CMGVincent Commisa Confirmation Hearing ScheduledContinued
7/15/2020 10:00 am
Debtor has made 9 of 10 required payments   Arrears: $250.00  
Atty requested an adjournment - ADJ granted to 7/15/20 Peremptory.

ISSUES AS OF 5/15/2020 (DM):

1) Ridge Condo Assn (GRIFFIN ALEXANDER) OBJs to cram treatment (CONSENT ORDER ENTERED).

2) TD Bank (SCHILLER KNAPP) OBJs - $75,091.03 arrears (UNRESOLVED).

3) Susan Guerra (NORGAARD O'BOYLE) OBJs to plan treatment on 2nd mtg lien (UNRESOLVED).

4) The Order of Distribution in the Plan is not completed properly (OKAY TO USE TRUSTEE STANDARD ORDER OF DISTRIBUTION??)

5) Received statement for Peapack-Gladstone account - we need an explanation for $19,,010 that was withdrawn on 10/15/20.

6) Trustee OBJ:
 Income documentation for the debtor verifies higher ($3,967) than scheduled ($3,184).
 Need statement for Peapack-Gladstone (RECEIVED - $19,,010 WAS WITHDRAWN ON 10/15/20 - WE NEED AN EXPLANATION).
 The 522(d)(5) exemption is exceeded by $800.
 Plan is not feasible.
 Need to file Pre-Confirmation Certification (UNRESOLVED).
- Need statements for Ameriprise annuity (RECEIVED).
- Need statements for Jackson annuity (RECEIVED).
- Need current statement for Financial FCU (RECEIVED).
- Need 2018 tax return (RECEIVED).
- Tax refund of $6,475 was not prorated and added to disposable income (MOOT, OWE FOR 2018).
- Need updated proof of insurance - policy expired 10/13/19 (RECEIVED).
- Need Atty Cert regarding debtor's SSN (RECEIVED).


Prop. Plan $250 x 60, Base Plan, Loan Mod by 3/2020
PTD 8/8 = $2,000
Last Claim (1-2)
Matter ResolvedRequest
Adjourment
915/20/2020 10:00 am19-27333 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 4 of 10 required payments   Arrears: $0  

ISSUES AS OF 5/15/2020 (DM):

***Debtor is 4 Trustee payments behind - RECOMMEND DISMISSAL***

1) Fay Servicing/Wilmington Trust (Friedman Vartolo) OBJs - $117,996.47 arrears - debtor filing Loan Mod package and will know where it stands by 4/1/20 (UNRESOLVED).

2) Fay Servicing/Wilmington Trust has a pending Application for Early Termination of Loss Mit scheduled for 5/20/20.

3) Plan provides $306.52 secured treatment to Brick Twp MUA - no POC filed (STRIKE??)


Prop. Plan $500 x 60, Base Plan, Loan Mod by 4/1/20
PTD 4/8 = $2,000
Last Claim (11-1)
Matter ResolvedRequest
Adjourment
925/20/2020 10:00 am19-28278 / CMGKEVIN E ABERANT ESQConfirmation Hearing on Modified PlanMootDebtor has made 8 of 10 required payments   Arrears: $450.00  Total Paid In: $3,658.00
previously confirmed 5/6/20
Matter ResolvedRequest
Adjourment
935/20/2020 10:00 am19-29002 / CMGLAWRENCE W. LUTTRELLConfirmation Hearing on Modified PlanContinued
7/15/2020 10:00 am
Debtor has made 27 of 9 required payments   Arrears: $0  

issues as of 5/11/2020

1) 341 has not been held, not rescheduled - originally scheduled in November 2019, not held for failure to provide Trustee with required documents for hearing to be held. Debtor's counsel needs to reschedule hearing
2) US Bank/Mr. Cooper (McCall Raymer) obtained stay vacate 12/6/2019
3) Nationstar Mortgage/Mr. Cooper/US Bank (Friedman Vartolo) objection to confirmation - need to resolve
-arrears due $280,185.51

proposed plan $111.61x36 base plan loan mod by 11/1/2020
paid in $3000
last claim 1
Matter ResolvedRequest
Adjourment
945/20/2020 10:00 am19-29006 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
7/15/2020 10:00 am
Debtor has made 9 of 9 required payments   Arrears: $0  

AMENDED POC FILED BY NJ on 5/7/20. Has Perm LM . will file Motion

AR IF PROOF OF FILED RETURNS OK TO ADJ
5/6 workup for the 5/20 calendar EDC

-objection by Deutsche Bank/Jennings to loan mod(per email LM now approved)
-need pre confirmation cert(DONE)
>>Trustee objection: Plan does not treat NJ priority or unsecured tax claims- both still estimated
-no cert of service to Ditech on the cramdown(WILL REMOVE CRAM AND DEBTOR CAN FILE A MOTION)

-----------------------------------------------------------------
-need pre confirmation cert(DONE)

369/60, LM: 349 OLYMPIC ST BY 6/1/20, BASE

Matter ResolvedRequest
Adjourment
955/20/2020 10:00 am19-29829 / CMGEdward Nathan VaismanConfirmation Hearing on Modified PlanDismissed - Hold FeesDebtor has made 7 of 9 required payments   Arrears: $0  

OK TO D PER ATTORNEY EDC
AR RESOLVE OR HOLD
5/11 workup for the 5/20 calendar EDC
--rec email from attorney saying debtors furloughed for now case is 7 months old and current. Will recommend per below to help debtors out. If things change in 2 months he can file another MP

* per below income is higher because of tax refund, high expenses for car insurance and 3 cars. Per 22c it needs over $1300 monthly. Will agree to compromise at *(*******$$3633 paid then $300 x 2 beginning 6/1/20 the $900 x 51 beg 8/1/20 with minimum of $15301 to unsecured/equity--remove cram language regarding Discover

-improper service to Discover-they filed a guc claim anyway. Att can cram outside if he wants EDC
-OK to pay Wells (furniture) outside of the plan (10-1)
>>>Trustee objection:
-Amendments to Schedules B to provide value of 2015 and 2019 Kias.(DONE-$5436 in equity in the Kia)
-The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$522/month for car insurance.
-Verified income leaves a monthly net balance of $1,282.18.
- Reviewed the 122C, Line 10 requires documentation and Line 12 should be $638. Per
the 122C, monthly disposable income is $1,213 which requires a minimum dividend of
$72,780 to general unsecured creditors.
-The Schedules fail to account for the debtor(s) tax refund in the amount of $6,399.00
when determining disposable income.
-There is $9,865.33 in non-exempt equity in the residence-after adding car equity of $5436 total is $15,301
-The debtor has failed to provide proof of service with respect to Plan Motion(s).-Need proof of service on Discover.
-Need to file Pre-Confirmation Certification

$519 X 60; BASE
Matter ResolvedRequest
Adjourment
965/20/2020 10:00 am19-29874 / CMGADRIAN JOHNSONConfirmation Hearing ScheduledDismissedDebtor has made 6 of 9 required payments   Arrears: $0  

5/11 workup for the the 5/10 calendar EDC
per last time atty uploaded LM package- adj to 5/20/20 NFA- Peremptory-LM terminated on 3/18 however
REC DISMISSAL
-MFR scheduled 5/20/20

--NOTHING DONE SINCE LAST HEARING--
>>PLan has AP payments to Fay Servicing/Wilmington- NEEDS CONSENT ORDER FOR AMT FOR TRUSTEE TO PAY<<

1. Objection By Fay Serv/ Wilmington Trust(Freidman Vartolo):
-plan fails to pay arrears.

2. Trustee Objection:
- debtor has insufficient income .( made 3/4 payments)
-Need updated proof of insurance for all 4 cars.
-Need a statement for the debtor's and the co-debtor's pension loans.
-Need September and October bank statements for Ocean First accounts #5506.
- Need to file Pre-Confirmation Certification.
- Debtors' attorney must file a consent order with Fay Servicing for the Trustee to make
adequate protection payments. Order must provide monthly payment amount.


Plan: 1,963/60, LM: BY 4/30/20, 100%.
payments:3/4
last claim:25-1.Bar date:12/30/19
Matter ResolvedRequest
Adjourment
975/20/2020 10:00 am19-30386 / CMGPETER E ZIMNIS, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 9 required payments   Arrears: $783.00  Total Paid In: $2,283.00
AR RESOLVE OR HOLD - Atty ok with terms.sf
ISSUES AS OF 5/15/2020 (DM):

***Based upon documents reviewed below, TRUSTEE WILL RECOMMEND CONFIRMATION AT $1,500 PTD, THEN $783 x 41 STARTING 6/1/20, 100% PLAN, LOAN MOD WITH MIDFIRST BANK BY 7/1/20, NO PAYMENT OR RESERVE BY THE TRUSTEE PENDING THE LOAN MOD***

 5/6/20 - Atty advises amended I&J filed and POI uploaded - needs review (AMENDED SCH I&J FILED 5/4/20 SHOWING $2,715 DISPOSABLE INCOME - DEBTOR CERTIFICATION UPLOADED 5/5/20 ADVISING THAT SHE MAY LOSE $1,300 DEPENDING ON OUTCOME OF HER DISPUTE WITH VERIZON - NO PAY STUBS PROVIDED).

1) Midfirst Bank (KML) OBJs - $49,735.67 arrears (CONSENT ORDER ENTERED - Loan Mod by 7/1/20).

2) Trustee OBJ:
- Need proof of 2 month's updated income when debtor returns to work
- Need updated car insurance - expired 1/4/20.
- Need a MP that surrenders timeshare (MP SURRENDERS).
- Tax refund of $3,861 was not prorated and included in disposable income calculation - DI is now $608.


Prop. Plan $250 x 60, Base Plan, Loan Mod by 7/1/20
PTD 6/7 = $1,500
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
985/20/2020 10:00 am19-30612 / CMGGARY L MASON ESQConfirmation Hearing ScheduledContinued
7/15/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $315.00  
issues as of 3/24/2020

1) Trustee objection to confirmation - need to resolve
-need a current market analysis - requesting an appraisal as the property value on the Chapter 7 filing was $491,970 and on amended Schedules A & B valued at only $465,000 PROVIDED
-proof of 2 months income for non filing spouse, co-owner of residence and resides at the property and is father of debtors 2 children
-debtor has 3 401k loans - need statements for all 3 loans - NOTHING PROVIDED TO DATE
-the debtor is not paying all disposable income into plan - verified income leaves monthly disposable income of $1,061.50
-the schedules fail to account for the debtors tax refund in the amount of $7,060 when determining disposable income
-the circumstances and contents of the debtors Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. 1325(a)(3)
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is $7,887.42 in non exempt equity in the residence, pending review of the appraisal
-the debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution, and does not provide for equal monthly payments as required by 1325(a)(5)(iii)(l)
-need to file Pre Confirmation Certification
2) Did not file a new Disclosure for Attorney fees when case was converted, no fees to be paid through plan - unclear if this is an hourly or flat fee case - need to file Amended Disclosure
3) Matrix Financial Services secured claim 20 has arrears of $369.08 - not treated in plan need to advise Trustee if paying claim through plan or moving against claim

proposed plan $315x60 base plan
paid in $945
arrears $315
last claim 20-1
Matter ResolvedRequest
Adjourment
995/20/2020 10:00 am19-30763 / CMGROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 2 of 8 required payments   Arrears: $950.00  Total Paid In: $1,610.00
MP on for 7/1/20. Now a cure no more LM- adj to Then NFA- Peremptory

AR RESOLVE OR HOLD
ISSUES AS OF 5/15/2020 (DM):

***MP has not been filed. However, IF OBJECTION with Wells Fargo can be resolved with a set Loan Mod date, then based upon filed claims, Trustee will recommend confirmation at $1,006 Ptd, then $200 x 54 starting 6/1/20, 100% Plan***

 4/7/20(MK): Adj to 5/20/20 for MP.

1) LVNV Funding filed a $567.06 secured judgment not treated in plan (OKAY TO ADD?? - Yes).

2) Wells Fargo (PHELAN) OBJs - $37,037.40 arrears (UNRESOLVED).

3) Trustee OBJ:
- Need an updated CMA - doc provided fails to provide the value of the property (RECEIVED).
- Need updated pay stubs for December and January for Amazon (RECEIVED).
- P&L statement for Grub Hub/Door Dash delivery work (RECEIVED).
- Need a copy of homeowner's insurance renewal declaration (RECEIVED).
- Excessive Expenses Sch J: $800 food for 1 person (REDUCED TO $300).


Prop. Plan $200 x 60, Base Plan, Loan Mod by Loss Mit Order
PTD 5/6 = $1,006
Last Claim (6-1)
Matter ResolvedRequest
Adjourment
1005/20/2020 10:00 am19-30983 / CMGADRIAN JOHNSONConfirmation Hearing on Modified PlanContinued
6/17/2020 10:00 am
Debtor has made 7 of 8 required payments   Arrears: $1,745.00  
ISSUES AS OF 5/15/2020 (DM): Need update on Loan Mod review - see 5/1/20 note below and response.

 5/1/20 - Per Consent Order with SLS, the Trustee will not be responsible for making AP payments to SLS. The Debtor amended Sch J to add the monthly mortgage payment. Trustee has sufficient funds on hand to pay case off at 100% and issue a refund to the debtor - need status of Loan Mod application (5/6/20 MK: PACKAGE SUBMITTED 2 WEEKS AGO AND STILL UNDER REVIEW).

1) Wilmington Savings/SLS (KML) - $50,908.28 arrears (CONSENT ORDER ENTERED - LOAN MOD BY 5/10/20 OR AS EXTENDED BY LOSS MIT).

2) Trustee OBJ:
- Debtor has insufficient income.
- Need a MP that corrects Part 4a - does not list amount to pay SLS (MP CORRECTS & CO ENTERED).
- Tax refund of $2,294 was not prorated and included in disposable income calculation (AMENDED).
- Need to file Pre-Confirmation Certification (FILED).
- Need a consent order with SLS for Trustee to make AP payments (CONSENT ORDER ENTERED - NO AP PAYMENTS BY TRUSTEE).


Prop. Plan $1,744.52 x 60, 100% Plan, Loan Mod by 6/30/2020
PTD 5/6 = $8,722.60
Last Claim (4-1)
Matter ResolvedRequest
Adjourment
1015/20/2020 10:00 am19-31299 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 1 of 8 required payments   Arrears: $0  

5/7 workup for the 5/20 calendar- nothing done since last time and further behind on payments EDC
4 payments arrears
(4/6/20(mk) atty email .debtor union worker- affected by COVID- try to make a payment- atty reached out to Bk of NY (KML- Denise C) to resolve obj as thay have a K of sale and Motion to sell was granted. mk: has consent to adj )

As of 3/11/20 (DS): 1. Debtor in arrears $1,500, made 1 payment out of 4.

2. Trustee obj to the following:
- Need updated proof of income for new job that started in Jan.
- Need DSO information sheet.
- Amendment to Schedule I for new job.

3. The Bank of NY Mellon to arrears not paid. Obj must be resolved.

Prop Plan $500 x 36 Base and Sake if Evergreen Ave within 6 months of conf
Matter ResolvedRequest
Adjourment
1025/20/2020 10:00 am19-31793 / CMGKarina Pia Lucid Confirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $1,000.00  
mk: MP filed 5/19/20- on 7/1/20- NFA

AR ATTY TO ADVISE WHY ISUES NOT RESOLVED
ISSUES AS OF 5/15/2020 (DM):

1) Caliber (PHELAN) OBJs - $44,829.16 arrears (COTBS 4/6/20).

2) Plan provides for judgment crams in Part 7b which requires listings in Part 4d unless judgment crams were meant to only be listed in Part 7a (NEED MP TO CORRECT AND SERVICE ON THE MP).

3) Trustee OBJ:
 Need copy of mother's will (UNRESOLVED).
 Need certification and supporting documentation for the $19,000 received from mother's estate (UNRESOLVED).
 Excessive Expenses Sch J: $565 tele/cell/cable, $1000 food, $450 entertainment, $300 auto repair and $400 support for elderly parents.
 Excessive Expenses - Form 122c: $965 on Line #23 for tele services. Disposable income per Line #45 is $770.63 plus $790 deducted from Line #23 results in disposable income of $1,560 which will require $93,637 min div to gucs.
 Income documentation also verifies that there is $2,167 disposable income - tax refund not listed on Sch I.
 Debtor has failed to provide proof of service with respect to Plan Motions (UNRESOLVED).
 Must file Pre-confirmation certificate (UNRESOLVED).
- Need 2019 Tax return by 8/15/20.
- Need proof of current auto insurance - expired on 2/23/20 (MK, INSURANCE PROVIDED).


Prop. Plan $800 x 60, Base Plan
PTD 6/6 = $4,800
Last Claim (13-1)
Matter ResolvedRequest
Adjourment
1035/20/2020 10:00 am19-31842 / CMGJOHN ZIMNIS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 7 of 8 required payments   Arrears: $0  
Total Paid In: $2,800.00
5/7 workup for the 5/20 calendar EDC- NOTHING DONE/DISMISS
---Zimnis sent in new POI-REC CONFIRMATION AT $2000 PAID THEN 400 X 7 BEG 6/1/20 THEN 785 X 47 BEG. 1/1/21-PRO RATA

(As of 3/16/20 Debtor atty requested adjournment to resolve issues)

As of 3/11/20 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income. Updated income verifies $15.80.

2. IRS filed estimated tax claim, 2018 tax return not filed. Must resolve claim. APOC FILED


3. Santander filed arrears claim for $836.09. Plan list as outside. Ok to pay?

Prop Plan $400 x 13, $720 x 47 Base
Note: Proof of income and updated homeowner insurance provided.
Matter ResolvedRequest
Adjourment
1045/20/2020 10:00 am19-32007 / CMGTHOMAS M EGANConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 8 required payments   Arrears: $1,596.00  Total Paid In: $7,314.00
AR RESOLVE OR HOLD
Blank adjournment request was submitted.

ISSUES AS OF 5/15/2020 (DM):

***IN ORDER TO RESOLVE TRUSTEE OBJECTIONS BELOW, NEED TO CONFIRM AT $5,718 PTD, THEN $1,596 x 54 STARTING 6/1/20, 100% PLAN, STUDENT LOANS TREATED OUTSIDE THE PLAN, STRIKE PLAN TREATMENT OF CARMAX POC (1-1) AND POC (2-1) AND TREAT AS SECURED UNAFFECTED PER PART 4f OF THE PLAN, TRUSTEE STANDARD ORDER OF DISTRIBUTION, PRE-CONFIRMATION CERTIFICATION TO BE FILED WITHIN 10 DAYS; ADD TO CONFIRMING ORDER: TRUSTEE IS AUTHORIZED TO PAY $1,500 ATTORNEY FEE BALANCE PER ATTORNEY DISCLOSURE STATEMENT; IF A MODIFIED PLAN IS SUBSEQUENTLY FILED, DEBTOR MUST PROVIDE ALL DOCUMENTS AND ADDRESS ALL ISSUES RAISED IN TRUSTEE'S ORIGINAL OBJECTION***

1) Plan provides $0 for Atty Fees - Atty Disclosure provides for $1,500 balance (UNRESOLVED).

2) Trustee OBJ:
 The debtor has failed to file a feasible plan - plan is proposing to pay mortgage claim and 2 vehicles.
 Need a MP that removes Carmax auto loans from Part 4c and place in Part 4f as secured unaffected (UNRESOLVED).
 Need auto insurance declaration page (UNRESOLVED).
 Excessive Expense: $600 electricity/heat/gas; $529 cell phone; $415 entertainment; $529 car payment; and $830 student loans not listed to be outside in plan (100% PLAN).
 Form 122c has disposable income $685 which would require a $41,139 minimum dividend to gucs (100% PLAN).
 Income documentation verifies higher as well - there is $2,158 disposable income after excessive deductions adjusted.
 Need accountants valuation of Caporaso Excavating Inc (UNRESOLVED).
 There is non exempt equity on all personal assets (100% PLAN).
 The Order of Distribution departs from the Trustee standard (OKAY TO USE TRUSTEE STANDARD??)
 Need bank statements for all accounts 2 months prior to filing date (UNRESOLVED).
 Must file Pre Confirmation Certification (UNRESOLVED).
- Need a copy of 2019 tax return by 8/15/20.
- Need amended Sch C to take exemptions - right side of form takes $0 (AM
Matter ResolvedRequest
Adjourment
1055/20/2020 10:00 am19-32052 / CMGKarina Pia Lucid Confirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 3 of 8 required payments   Arrears: $12,494.00  
MP filed 5/19/20.Date 7/1/20:Atty sent email to AR on case. 2 payments missing . debtor will send in a payment end of week.

MP filed 5/19/20. atty to review and reply to AR via email- for now Hold for Judge.

AR ATTY TO EXPLAIN WHY ISSUES REMAIN FROM APRIL AND PAYMENT TO POST OR REC DISMISSAL
AS OF 5/15/20 (SF) - Debtor is not current: 4 of 6 payments. Arrears: $5654.63


1. US SBA filed total due claim of $126,159.74. The plan only proposes to pay $65,000 (MUST RESOLVE)

2. Objection filed by Wilmington Savings Fund (Saltzman) - failure to pay arrears of $85,603.79 and failure to propose correct amount for post-petition payments of $2149.14

3. Trustee objection:
- Need November and December bank statements for Chase, Wells Fargo and TD. (STILL NEED)

- Amendments to Schedules C to exempt business and B to add 2001 Chevy Express.

- 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):

- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,000.00 when determining disposable income.

- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Need proof of service on all 4 creditors listed in Part 7a of the plan.

- #42 on Schedule B lists a partnership, Curalagoon, LLC. Company manages a rental
property in Curacao? Debtors own 12% interest. Need information on this. (A a purchase contract provided and certification from debtor but no proof as to the 12% interest).

Plan proposes $2780.02 x 60 Base
Payments: 4/6 Arrears: $5654.63

RESOLVED ISSUES:
- Need a statement for the 2nd mortgage, SBA, showing payoff and monthly payment amount. (LATE CLAIM FILED)
- As of now, there is $78,917.82 in non-exempt equity in the residence We have no information on SBA loan that would be a second mortgage and will reduce e
Matter ResolvedRequest
Adjourment
1065/20/2020 10:00 am19-32587 / CMGJOHN F. BRACAGLIA, JR, ESQ.Confirmation Hearing ScheduledContinued
7/15/2020 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0  

5/8 workup for the 5/20 calendar EDC
***ITEMS NOT RESOLVED SINCE 341---5/18-sent email to bracaglia that it OK to adjourn EDC
* stay lifted for Lincoln Automotive
* Trustee Objection:
-Need A current market analysis - Time Share.($6500 per cert but only included timeshares "not exactly similar" per cert)
-Domestic Support Obligation information .
-A copy of the last filed tax return - 2019 by 5/30/20.
-proof of any lien or carrying costs for time share.
-A Modified Plan that treats Wells Fargo 3rd mortgage on residence and lien of
ex-spouse and treat time share. The MP also needs to put the items in 7b in section 4 of the plan.
-Amendments to Schedules A to list Time share.(DONE)
-divorce documents (6.9) states debtor has ownership of timeshare at monthly cost of
$568. This is not permitted unless plan is 100%.
-The debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l).
-divorce documents (6.4) state debtor owns 2005 custom made motorcycle with estimated
value of $2,500 - this is not listed on schedules - need explanation and valuation if still
owned by debtor if not need explanation of what happened to it .(sold for $5000 in early 2019 OK)
-schedule D lists ex-wife's lien against debtors interest in property in the amount of
$175,000 - not treated in plan
-Statement of Financial Affairs states foreclosure by Wells Fargo status is "concluded" -
which mortgage? Need to confirm priority on the mortgages on the property.(Third mortgage)
-no cert of service to PNC, Wells and Discover on the motions to void-needs to also go in part 4 of the plan. Is this a 4th Wells mortgage?
Is it true that there are 6 mortgage liens on the property altogether?
-Plan says 0 to the first 2 mortgages but both filed arrearage claims. Are we paying?

$250 x 60 BEG 1/1/2020; BAS


--------------
Matter ResolvedRequest
Adjourment
1075/20/2020 10:00 am19-32722 / CMGEric ClaymanConfirmation Hearing on Modified PlanContinued
7/1/2020 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $873.00  
AS OF 5/15/20 (SF)

RECOMMEND $3502.50 PTD, $1510 X 55 (BEGIN 6/1/20) 100%
- Calculations include $221.41 arrears for Ovation Sales Finance
- Must file pre-confirmation Certification within 10 days
- Trustee Standard Order of Distribution


1. Ovation Sales Finance Trust files secured UCC lien claim 14-1 for $7386.46 with arrears of $222.41. (HVAC) This claim is not addressed in the plan. How should it be treated?

2. Trustee objection: MP proposes 100%
-excessive expenses on Schedule J $250/cell service; $175/husband's time share; $275 miscellaneous household expenses
-excessive expenses on Form 122C Line #23 $100/telephone services - allowed $50; Line #22 $90/healthcare; Line #30 $25/clothing
- Form 122C-2, Line 45 monthly disposable income $1,931 which requires minimum $115,860 dividend to general unsecured creditors

Plan proposes $875 x 60 100%
Payments: 4/5 Arrears: $872.50

RESOLVED ISSUES

- Objection filed by Nationstar (Ras Citron) - RESOLVED VIA ORDER
- A copy of the last filed tax return - 2019 (RECEIVED)
- A Modified Plan that provides minimum dividend to general unsecured creditors of no less than $115,860 per Form 122C-2 (MP proposes 100%)
- House address needs to be changed from Broad Street to 3rd Street (DONE)
Matter ResolvedRequest
Adjourment
1085/20/2020 10:00 am19-32922 / CMGMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $340.00  
AS OF 5/11/20 (SF)

1. 341 NOT HELD - Rescheduled to 5/28/20
2. PAYMENTS: 2/5 ARREARS: $510
Matter ResolvedRequest
Adjourment
1095/20/2020 10:00 am19-32937 / CMGYAKOV RUDIKHConfirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 7 required payments   Arrears: $0  
Total Paid In: $12,724.00
5/19/20(mk):Work up per atty request paying full Amount of US Bank POC- Income is insufficient for new plan payment???

***TO CONFIRM NEEDS $3,250 PTD, THEN $4,737 x 55 BEGIN 6/1/20 ;100% w/ min.div to gucs $64,894 Due to NE Equity in Real and Personal Property; COTBS W/US BANK W/IN 30 DAYS. NEED AMENDED SCHEDULE I TO CONTINUE CONTRIBUTION INCOME WITHIN 30 DAYS. TRUSTEE STANDARD ORDER OF DISTRIBUTION.***

----------------
5/19/20(mk): Email from A. Jennings(RAS): FURTHER OBJECTS To Conf.(see #2). MP does not address total debt claim $160,876.81 as Loan matures during bkcy. DEBTOR ATTY SAYS NOW RESOLVED (COTBS) & WORKUP W/ FULL POC FOR $160,876.81.

AR RESOLVE OR HOLD
AS OF 5/15/20 (SF) -

Note: If creditor objections are resolved can confirm with terms below:

RECOMMEND $3250 PTD, $2719 X 55 (BEGIN 6/1/20) 100% W/MIN $64,894 TO GUCS DUE TO EQUITY IN REAL ESTATE AND BANK ACCOUNTS
- NEED AMENDED SCHEDULE I TO CONTINUE CONTRIBUTION INCOME WITHIN 30 DAYS
- TRUSTEE STANDARD ORDER OF DISTRIBUTION



1. Objection filed by Select Portfolio Servicing (Fein, Such) - failure to pay arrears of $53,350.70. Plan is not feasible due to insufficient income to pay claim. (MP PAYS ARREARS)

2. Objection filed by US Bank/Nationstar (Ras Crane) - failure to pay total debt claim of $160,876.81. Loan matures 10/1/23. The arrears are $60,978.73. (MP PROPOSES TO PAY ARREARS AND THERE IS NO OBJ TO MP-

4. Trustee objection:
- The debtor has insufficient income. Income is negative (Contribution Affidavits provided from two daughters for $2000 each. Disposable income is now $3796.95 NEED AMENDED SCHEDULE I)

- Need October and November bank statements for account #8241. (RECEIVED) There is n/e equity of $12,854 in this account.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $243.00 when determining disposable income.
- There is $64,643 in non exempt equity in the residence. Plan requires 100%

5. Need Standard order of distribution

Plan prop
Matter ResolvedRequest
Adjourment
1105/20/2020 10:00 am19-33143 / CMGJEANIE D. WIESNER, ESQ.Confirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 3 of 7 required payments   Arrears: $0  

Atty requested adjournment to 7/1/20 - need to review POI uploaded on 5/15/20.

ISSUES AS OF 5/15/2020 (DM):

***No MP has been filed as advised by attorney below. Disposable income objection is unresolved***

- 3/27/20 (DS): Debtor attorney requested adjournment, will be filing mod plan.

1. Trustee obj to the following:
 Need 2 months income for co-debtor from new job started in Dec (UPLOADED 5/15/20).
 Need amended Sch I for co-debtor new job (UNRESOLVED).
 Verified income documentation results in $1,866 monthly disposable income.
 Tax refund of $2,512 was not prorated and included in disposable income calculation.
 Excess Expenses - Sch J: $515 cell phones, $500 medical/dental, $920 transportation, $500 entertainment, $712 car payment, $500 home schooling, $100 school uniforms and $50 tutoring.

 Reviewed the Form 122c, average monthly gross income (inclusive of DSO and contribution) is $15,259. Line #17 (involuntary deductions) should be $450, Line #22 (additional health care expenses) requires documentation, Line #22 (optional telephone services) requires documentation, Line #25 (Health insurance/Health savings) should be $749 and Line #30 (additional food and clothing expense) requires documentation. Per Form 122c, as adjusted, monthly disposable income is $3,148 which would require a $188,880 minimum dividend to gucs.

 Need amended Sch B&C to add 2005 Chevy (UNRESOLVED).
 Need amended G to address Kia lease (UNRESOLVED).
 Need Trustee standard order of distribution.
- Need proof of service on all creditors listed in Part 7a of the plan (FILED).
- Must file Pre-confirmation certificate (FILED).


Prop. Plan $193 x 60, Base Plan
PTD 5/5 = $965
Last Claim (30-1)
Matter ResolvedRequest
Adjourment
1115/20/2020 10:00 am19-33190 / CMGEVAN N PICKUS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 7 of 7 required payments   Arrears: $0  
Total Paid In: $11,449.00
5/19/20(mk): Updated.-Atty ok to terms

MP filed 5/18/20. Only change is Wells Fargo list as unaffected. (POC -0-). Needs to w/d this & can confirm as below. Sent email to atty.

>>>DUE TO NON EXEMPT EQUITY IN REAL PROPERTY TOTALING $609,387.58, PLAN MUST BE 100%. ** CAN REC. CONFIRM AT
$8,125 PTD, Then $1,662 x 55 .Begin 6/1/20; 100%; w/ min div to gucs $609,387.58 Due to NE Equity in RE; Must file pre conf cert w/in
10 days. MP #20 To Be W/D w/in 10 days***


1. Trustee objection:
-need copy of the deed - for NY property. Debtor owns Jyt w/sister.(says can't get it)
- NE Equity in NJ RE $31,340.70 .
- NE Equity in NY RE $578,047.58 . PLAN must be 100%.
-must file pre conf cert.
------------------------------
need updated home insurance for Gary St(NJ) prop.. & NY Prop. ( Provided).
-need Amendments to Schedules A to list correct st # for NY property.(Done).

2.Objection by Wels Fargo(Phelan):RESOLVED

Plan:1625 x 60:Base
payments:5/5
last claim:7-1;bar date:2/21/20
Matter ResolvedRequest
Adjourment
1125/20/2020 10:00 am19-33238 / CMGDavid Jerome WitherspoonConfirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $400.00  
5/8 workup for the 5/20 calendar EDC

1. 341 rescheduled for 5/7/2020-NOT HELD-Missing docs
2. Payments: 3/3
Matter ResolvedRequest
Adjourment
1135/20/2020 10:00 am19-33261 / CMGSTEVEN J ABELSON, ESQConfirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $1,632.00  
5/17/20(mk): Atty i working w/ St Of NJ(Valerie Hamilton) for over a month to finalize CO resolving Motion & POCs. She is waitong for 2019 corporate filings to show up in their system, then she can remove the est. numbers. Also will reach out to E. O'Hagen as to issues
raised in #2. He has a MP in draft but needs these 2 issues resolved and then MP will clearly lay out everything. Will upload adj request.

AS Of 5/13/20(mk):

>>Back in March ,time of prior hearing, atty working on resolving NJ motion & they are likely going to amended claims again & he will file MP clarify all outstanding tax issues & he has CO with IRS.
there are issues w/ that CO ( see #2). WE need the Order on #1. Tax issues & claims amounts need to be resolved as well as Mtg Objection & SV motion on 5/20/20.<<<

1.Motion to Modify POC #6-1 of St. Of NJ (Dept of Labor- Div of Employer accts)- on for 4/1/20.(WAS OTBS- NO ORDER YET & NEEDTO KNOW IF ORDER WILL ADDRESS CLAIMS FILED BY Div. of Employee Accts on #12-2 for Priority & unsecured amts.
fyi : this Div of Employee acts/Dept of Labor has filed numerous claims & amendments thereto. claims numbered 6-1 & 6-2 are for secured amts and claims 12-1 & 12-2 are for priority amts & gucs.


2. IRS FILED APOC 5-3. NEED TO RESOLVE/ CLARIFY AS IT CONFLICTS W/ CONSENT ORDER (#32)Order says pay Secured portion including interest for total $42,571.91.
Order Also says pay Secured Corp. Liability w/ interest for total $57,869.27.
APOC filed 5/7/20 has secured $82,450.15. Priority at $45,579.15.( has estimated for 2019- no return- THAT ALSO NEEDS TO BE RESOLVED).
Plan proposes to cram secured portion . Will need to strike that provision form the plan.

3.Objection by Mid First Bank(KML):
-plan fails to pay full amt of claim($44,411.90)- OK TO PAY?(YES- Order submitted to chambers- PAY POC)

4.Trustee Objection:
-Flat fee charged per the atty disclosure is $50 more than the mandated fee.(Amended Disl filed).
-need an amended P&L statement that in
Matter ResolvedRequest
Adjourment
1145/20/2020 10:00 am19-33352 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $1,048.00  
5/19/20 - Debtor is in the process of settling his divorce. His alimony and child support is increasing. We are asking for an adj to see how much higher the expense will be before confirming at a higher amount.

AS OF 5/8/20 (SF)

RECOMMEND $1275 PTD, $1059 X 31 (BEGIN 6/1/20) BASE PLAN
- OTBS RESOLVING OBJ BY SANTANDER WITHIN 30 DAYS
- NEED COPY OF 2019 TAX RETURN BY 8/15/20

1. Objection filed by Santander (Morton) to cram of 2017 Hyundai Elantra (MUST RESOLVE) -OTBS (NEED COPY OF PROPOSED ORDER OR EMAIL FROM MORTON)

2. State of NJ unsecured claim is estimated, missing 2009 Tax Return (NEED AMENDED CLAIM)- Ar has reached out to DAG on this (AMENDED, NO LONGER ESTIMATED)

3. Trustee objection:
- A copy of the last filed tax return - 2019 by 8/15/20
- Need copy of pension loan balance statement prior to filing date. (STILL NEED) $936.54 will be added back as income


Plan proposes $427 x 59 0%
Payments: 3/5 Arrears: $1048

RESOLVED:
- Updated auto insurance, insurance expired 1/17/20 (RECEIVED)
- Support payments $860 (need support order or proof of payments for the past 2 months). (RECEIVED)
- Must file Pre-confirmation certificate. (FILED)
Matter ResolvedRequest
Adjourment
1155/20/2020 10:00 am19-33391 / CMGEUGENE ROTH, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 7 required payments   Arrears: $126.00  Total Paid In: $641.00
5/15 workup...if Bayview resolved we can confirm

Can Conf at $515 paid then 126 x 55 beg 6/1/20 -100%(min 56,890)-sale within 6 months of conf.-trustee to not pay mortgages pending sale-otbs bayview in 30 days


5/11 workup of the 5/20 calendar EDC

SAME AS 4/28/2020:
* Objection filed by Bayview (Schiller Knapp) - plan does not provide post petition payments.(OTBS per attorney
* Trustee's objection:
-The debtor has insufficient income to pay claims through the plan per section 4g. Did he mean to put in language that proposes to not
pay the mortgage arrears pending sale? If so it would be feasible
-Amendments to Schedules C to correct exemptions (D1 and D5)-(amend B & C take house exemptions but completely removes the
$23,000 in bank accounts?--trustee filed new objection. Still $55,890 in equity but only $6200 in gucs and 100%)
-to J to list mortgage payment. (NOT DONE)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $103 x 36, 100% to guc's, sale of residence 6 months post confirmation
Payments: 4/4
Matter ResolvedRequest
Adjourment
1165/20/2020 10:00 am19-33563 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 7 of 7 required payments   Arrears: $0  
Total Paid In: $3,500.00
As of 5/12/20 (DS): Atty ok with terms.sf

Need to confirm at $2,000 paid, $500 x 31 begin 6/1/20 100% to gucs with a minimum dividend $4,250.59 (total unsecured claims)

MP Prop $500 x 16 Dollar Base $4,250.59 - Property located at 218 Edison Road, Barnegat, NJ 08005 has sold.
Matter ResolvedRequest
Adjourment
1175/20/2020 10:00 am19-33632 / CMGNICHOLAS FITZGERALD, ESQConfirmation Hearing ScheduledContinued
7/15/2020 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $474.00  
AS OF 5/12/20 (at):

1. Objection filed by Nationstar Mortgage/Mr. Cooper (RAS Citron) - failure to cure full arrears of $26,215.56 (Per POC). (UNRESOLVED)

2. Need a statement for the Debtor's TPAF loan showing payoff amount.

3. Reviewed the 22C, monthly gross income is $14,255 (2019 gross/12 months). Line 16 (taxes) should be $2,770 (2018 refund was not deducted) and Line 23 (optional telephone services) requires documentation. Need the TPAF statement in order to calculate Line 41. (STILL NEED TPAF STATEMENT)

4. Objection to expenses on Amended Schedule J:
- $900/month for transportation (REVIEWED CERTIFICATION FROM DEBTORS' ATTY REGARDING TRANSPORTATION - DEBTOR'S BOTH TRAVEL SIGNIFICANTLY FOR WORK - $900 IS OK)
- Reduced Line 21 by $190 - above the limit of miscellaneous expenses

. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the homeowner's insurance renewal declaration - page. (RECEIVED)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason(s):
- The debtors proof of income provided is higher than estimated in the schedules.
- The full refund amount was not added back as income in the schedules. (AVERAGED/ADDED TO MONTHLY INCOME)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is currently $22,891 of equity in real estate (need an amended Sch C). (MORTGAGE COMPANY CLAIM FILED - SUBSTANTIALLY HIGHER THAN WHAT WAS SCHEDULED. NO EQUITY IN THE RESIDENCE EVEN WITH NO EXEMPTION TAKEN)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution, and does not provide for equal monthly payments as required by ?
Matter ResolvedRequest
Adjourment
1185/20/2020 10:00 am20-10053 / CMGDavid L. Stevens Confirmation Hearing ScheduledContinued
6/17/2020 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $1,205.00  
AS OF 5/15/20 (SF) - Per Atty, a modified plan will be filed. Adjournment Request is denied due to no Homeowner's Insurance for Phillipsburg property (Ins Received)

1. There is no objection to the plan. Loan mod was denied in previous bankruptcy. There is an order resolving Request for loss mit but no expiration date. Need status of loan mod.

2. Trustee objection
The debtor has failed to supply the Trustee with the following document(s):
A copy of the last filed tax return - 2019 by 8/15/20
A copy of the homeowner's insurance renewal declaration - Need homeowner's insurance for Phillipsburg property.
Need a statement for the whole life insurance policy.
The debtor has failed to provide proof of service with respect to Plan Motion(s).
Need service on Townsend, Tomaio & Newmark, Ford Motor Credit and Discover Bank.
Need to file Pre-Confirmation Certification.


Plan proposes $800 x 60 Base, Loan Mod to be determined by the Court
Payments: 4/4
Matter ResolvedRequest
Adjourment
1195/20/2020 10:00 am20-10173 / CMGSCOTT D SHERMAN ESQConfirmation Hearing on Modified PlanContinued
6/17/2020 10:00 am
Debtor has made 7 of 6 required payments   Arrears: $0  

5/8 workup for the 5/20 calendar EDC

* Objection filed by Wilmington Savings (RAS Crane) - failure to cure arrears of $169,905 (Per Obj - POC ). Plan proposes to pay $40,000 and is not a loan mod plan. -MP FILED IS NOW A LOAN MOD
* Is trustee paying arrears pending the loan mod?
* MP PROPOSES--PAID THEN 500 X 58 BEG 4/1/20 LM BY 8/30/20-100%-tax returns by 8/15/20 (2019)-use trustee order of distribution
* Trustee's objection:
- The debtor has failed to file a feasible plan. The plan is not feasible per objection filed by Wilmington Savings.
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - . Need copy of 2019 Tax Return. (NOT RECEIVED YET)
- Excessive expenses on Schedule J: $520 telephone/cell phone

-----------------------------
- Amendments to Schedules . Amend Disclosure Statement to pay fees through the plan. (AMENDED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution, and does not
provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER
OF DISTRIBUTION)
- File pre-confirmation cert. (FILED)


Plan proposes: $810 x 60, 100% to guc's
Payments: 1/1
Matter ResolvedRequest
Adjourment
1205/20/2020 10:00 am20-10176 / CMGJOSEPH ALBANESE, ESQConfirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $130.00  
5/13/20: Adj Requested. Emailed Atty need proof of current home insurance w/ Tr as add' loss payee. UPLOADED 5/14/20.

As of 5/12/20(mk):

>>>All ISSUES UNRESOLVED & HOME INSURANCE EXPIRED IN FEB 2020<<<

1.Objection By US Bank(Knuckles):
plan fails to cure arrears. LM speculative.

2. IRS filed POS . Priority part has Estimated amts. for 2016 & 2019. Unsecured part has estimated 2014 & 2015.
Since plan has to be a Base due to LM. Must resolve claim.

3.New Jersey Motor Veh. Comm. Filed Bifurcated claim (8-1) for Secured , Unsecured & or an arrears amt.- NEEDTO KNOW HOW YOU WILL TREAT THIS CLAIM

4. Trustee Objection:
-needs a MP that pays a base to guc's. Loan mod plans cannot be $0 to guc's.
- Sch J has excessive expenses:
$500/month for transportation
$350/month for motorcycle
$125/month for miscellaneous
$167/month for boiler
Verified income leaves monthly disposable income of $576.00.
-as of now, there is equity of approx. $16,571 in the debtors residence.
-Order of Distribution differs from TR Std Order.
-Need to file Pre-Confirmation Certification.
-Debtor must provide proof that the Trustee was added as Loss Payee to all motor vehicle(No auto)
and real estate insurance policies based upon vesting at discharge or the confirming
order must provide for vesting at confirmation. ( Provided BUT INSURANCE EXPIRED IN FEB.
-Need to resolve objection filed by US Bank.
-need copy of the divorce decree when finalized as well as the quit claim deed from the
ex-wife.
---------------
-Need 2019 tax return(Provided).




plan:130/36, LM: 502 PEACHTREE LANE BY 6/1/20, 0$
payments:4/4
last claim:8-1, bar date:3/16/20
Matter ResolvedRequest
Adjourment
1215/20/2020 10:00 am20-10190 / CMGSEYMOUR WASSERSTRUM, ESQConfirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $225.00  
AS OF 5/12/2020 (at):

1. 341 is scheduled for 6/11/2020
2. Payments: 2/4, arrears $300
3. Stay Relief by LL Granted in March ,2020 on Debtor's residence ..
Matter ResolvedRequest
Adjourment
1225/20/2020 10:00 am20-10231 / CMGAngela Nascondiglio Stein Confirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 3 of 6 required payments   Arrears: $115.00  Total Paid In: $400.00
341 now on for 6/11/20.

updated 5/14/2020
issues as of 5/11/2020

1) 341 not held, not rescheduled
2) current with Trustee plan payments
Matter ResolvedRequest
Adjourment
1235/20/2020 10:00 am20-10243 / CMGJOSEPH J ROGERS, ESQConfirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 3 of 6 required payments   Arrears: $659.00  Total Paid In: $2,160.00
AS OF 5/18/2020 (at):

>341 on for 5/28/20.
DEBTOR PROVIDED COPIES OF 2 MONEY ORDER TOTALING $1080 - CONFIRMATION ADJOURNMENT GRANTED. 5/18/20

Payments: 1/4, arrears $1,620
Matter ResolvedRequest
Adjourment
1245/20/2020 10:00 am20-10318 / CMGSCOTT E KAPLAN ESQConfirmation Hearing on Modified PlanContinued
7/15/2020 10:00 am
Debtor has made 3 of 6 required payments   Arrears: $1,800.00  
As of 5/12/20(mk):

1. NEED CLARIFICATION ON POC #7-1 Filed By Credit Union of NJ. Part 9 of claim says it's on 320 N. Willow St. but note
attached to claim has 320 1/2 N. Willow St- which was foreclosed on by City of Trenton 12/24/20.

2.Objection by City of Trenton(Goldenberg-K. Bonchi, esq.).
- RE at 230 -1/2 North Willow St. was foreclosed on By City on 12/24/19.
MP abandons- not her prop. to abandon. she does not own it.
Sale of 230 North Willow- objects to sale date.

3.Trustee Objection:
-debtor has insufficient income to fund the plan.(Made 3/4 payments)
-need bank statements for TD Bank Sav. account;
-need updated P&L statements for 1Quarter.( B'nees operates at a loss)
-need copy of the deed - to residence.
-need to Amend SOFA to add the business, The Wright Design LLC.
-must file pre conf .cert.
--------------------
-need proof homeowner's insurance for 1/2 North Willow St.- MOOT- RE was foreclosed on12/24/19
by City of Trenton.
- Plan does not specify treatment of Trenton Water Works & Rajendra Gupta.(MP Treats).


Payments:3/4
last claim:17-1,bar date:3/18/20
Plan : $750ptd.,then 600/59, BEG 2/20; SALE BY 9/1/2020 (320 NORTH WILLOW ST); BASE
Matter ResolvedRequest
Adjourment
1255/20/2020 10:00 am20-10504 / CMGSCOTT E. TANNE, PC.Confirmation Hearing ScheduledConverted to 7 / 11Debtor has made 2 of 6 required payments   Arrears: $0  

case converted to Chapter 7 on 4/17/2020
issues as of 5/11/2020

1) Trustee objection to confirmation - need to resolve
-need proof of 2 months income - need November and December paystubs for debtor and codebtor AVERAGED ALL PAYSTUBS PROVIDED, DISPOSABLE INCOME $463.96
-need a copy of the last filed tax return, 2019 by 5/31/2020 EXTENDED TO 8/15/2020
-need proof of insurance for the 2004 Ford and 2005 Dodge RESOLVED, RENEWAL THROUGH 5/23/2020 PROVIDED
-the debtor is not paying all disposable income into the plan - reviewed the 122c, Line 22 (additional health care expenses) requires documentation; Line 23 (optional telephone services) requires documentation and Line 30 (additional food and clothing) requires documentation. Per the 122c monthly disposable income is $1,004 which requires a minimum $60,240 dividend to general unsecured creditors
-the schedules fail to account for the debtors tax refund in the amount of $2,467 when determining disposable income
-need to file Pre Confirmation Certification with Court RESOLVED, FILED
-need to resolve the estimated claim filed by the IRS
-debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan
2) Not current with Trustee plan payments

proposed plan $260x60 minimum $11,040 to gucs
paid in $520
arrears $520
last claim 11-1
Matter ResolvedRequest
Adjourment
1265/20/2020 10:00 am20-10563 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/15/2020 10:00 am
Debtor has made 2 of 6 required payments   Arrears: $4,156.00  
AS Of 5/19/20(mk):Updated- Day before hearing: made 2 payments today. Now 2/4 payments. Was to be current by today. MP filed 5/19/20. needs to appear on 5/20/20 & explain how MP will resolve Issues below & why no response to trustee obj. Numerous creditor obj. Did resolve-today- obj. in #2. Again day before hearing...

>>At Last hearing on 4/7/20 hearing ALL Issues were unresolved & No Payments. Atty represented debtor had funds to be current & case was adj. to 5/20/20. All issues were unresolved


1. IRS file POC priority amt. $19,259.93 of which $15,554.80 is ESTIMATED for 2019.
No Return Filed.

2. Objection By Cap. One(Mester & Schwartz):RESOLVED: CO submitted 5/19/20:Pay $10,747.10. remaining bal.unsecured
- objects to Cram on 2011 Chevy.

3. Objection By Deutche Bank(RAS):
-fails to pay arrears- seeks LM

4. Objection By Orchards At Marlboro Condo Assoc.(Griffin Alexander); NOTE: PLan has at part 4a pays arrears of $32,700. Then at Part 4d Has CRAM TO -0- or did you mean to the secured part of $2700 & also strips Judgments in Part 7a.( NEED TO STRIKE LANG IN PART 4a.)

5. St. OF NJ DIV. OF TAX( not in plan) filed POC arrears $470.20- OK TO PAY?

6. Trustee Objection: All Unresolved
-need a CMA with summary/narrative page.
-need 2019 tax returns by 5/31/20.
- need to Amend Form 122c for household of 3 not 4 (only 1 child claimed on tax returns).
- debtors took an improper 522(d)(1) exemption on a timeshare.( Plan surrenders it).
-plan has excessive expenses:such as: $300 home maintenance, $500 telephone/cell/cable/Internet, $700 transportation, $732 commuting expense( expenses reduced total of $400. Dispo income per I & J now 1,278.51 p/m.)
-debtors not paying all disposable income into the plan. Form 122c shows dispos income of $1228.79 & requires a minimum dividend of $73,680 to gucs.
- The confirmation order must include language that provides for the turnover of all NE proceeds form personal injury case.
- If case is not confirmed, the Debtors
Matter ResolvedRequest
Adjourment
1275/20/2020 10:00 am20-10667 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
8/5/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $1,245.00  
MP on 5/20/20. AND Adv Pro filed w/o TR consent- Trenton completed a foreclosure of RE
CONFIRMATION HEARING ADJOURNED TO 8/5/20 TO ALLOW TIME FOR OUTCOME OF ADVERSARY PROCEEDING.

AS OF 5/19/2020 (at):

1. The attorney's fees in the plan and disclosure statement do not agree. Debtor's attorney must amend either the plan or disclosure statement. (OK - MOD PLAN FILED - $4,087.48 FEE BALANCE)

2. Objection filed by City of Trenton (Goldenberg, Mackler) - Debtor no longer owns this property. Tax sale foreclosure completed and title vested to City of Trenton. (AP COMPLAINT FILED 4/27/20)

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

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Amendments to Schedules to take exemption on the Stuyvesant property (NOT AMENDED)

Plan proposes: $1,000 x 60, $0 to guc's
Payments: 3/4, arrears $576.92
Matter ResolvedRequest
Adjourment
1285/20/2020 10:00 am20-10902 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 3 of 6 required payments   Arrears: $4,176.00  
As of 5/19/20 (DS): Debtor attorney requested adjournment to get appraisal on vehicle. Adjourned peremptory, no further adjournments.

As of 5/14/20 (DS): 1. MFR filed by Crosscountry sched 5/20/20, need outcome. RESCHED 6/17

2. Debtor in arrears $2,784, made 2 out of 4 payments. Last payment made 4/7/20 of $2,784. PROOF OF MONEY ORDERS PROVED FROM ATTORNEY $1,392 ($1,000 $392).

3. BELOW ISSUES STILL NOT RESOLVED.

Atty has funds $2,784 & uploaded insurance valid thru 5/31/20.

4/1/20 (DS): 1. Debtor in arrears $2,784, made 0 out of 2 payments.

2. Trustee obj to the following:
- Need copy of 2019 tax return, copy of homeowner insurance renewal declaration (policy received expires 5/31/20), bank statements for TD Bank (Dec & Jan) and Shore Community Bank (Dec).
- Debtor has undertaken an improper use of exemption. Specifically: Debtor must demonstrate that he is entitled to 522(d)(1) exemption on Holly Street property.
- Excessive expenses on Sched J such as: $500 childcare (requires proof), $1,421 transportation, $463 and $600 gas/electric and $600 tele/cell/cable/internet.
- 22c is scheduled at $6,054.09 which requires a 100% plan or $363,245 min. div.
- Income documentation verifies higher ($11,239) than scheduled ($10,935).
- Schedule I fails to add debtor's tax refund in the amount of $3,288 when determining disposable income.
- IRS filed estimated claim, 2019 tax return bot filed.

3. CrossCountry Mortgage obj to arrears more, POC filed, arrears $43,435.31. Ok to pay? Mod plan filed still did not propose to pay the arrears.

4. Santander obj to cram low, adequate protection payments and proof of auto insurance required. Obj must be resolved.

Prop Plan $1,392 x 60 $0
Note: Mod plan filed to correct cram. Service to cram not done properly, but creditor objected.
Matter ResolvedRequest
Adjourment
1295/20/2020 10:00 am20-11058 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 3 of 6 required payments   Arrears: $1,725.00  
AS OF 5/12/20 (at):

1. The IRS filed an estimated claim #3 which needs to be resolved/amended. (STILL ESTIMATED)

2. NJ Division of Taxation filed a priority claim #6 in the amount of $312.67 which is not in the plan. Is it ok to pay this claim?

Plan proposes: $575 x 60, 0% to guc's
Payments: 3/4, arrears $575
Matter ResolvedRequest
Adjourment
1305/20/2020 10:00 am20-11183 / CMGTIMOTHY P KANE ESQConfirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 2 of 6 required payments   Arrears: $5,229.00  
AS OF 5/12/20 (at):

1. US Dept of HUD filed a secured claim #3. Plan is silent as to US Dept HUD.

2. Nissan-Infiniti filed a secured arrears claim#6 in the amount of $428 which is not in the plan. Is it ok to pay this claim?

3. Stay motion filed by US Bank/1st mortgage (Phelan) which is returnable on 6/17/2020.

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - : Need March pay stubs. (NOT RECEIVED)
- A copy of the last filed tax return - 2019 by 8/15/2020. (NOT RECEIVED YET)
- Need declaration page from current car insurance policy. (NOT RECEIVED)
- A Modified Plan that addresses 2nd mortgage held by HUD. (MOD PLAN NOT FILED)
- The debtor has failed to supply proof of Social Security Number to the Trustee. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $700/month for car insurance
- $689/month car payment
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Verified income leaves a monthly net balance of $7,169.00. Needs to be 100% plan.
- Reviewed the 22C, Line 33 should be $3,081 (correct monthly mortgage payment). Per the 22C, monthly disposable income is $5,736 which requires a minimum dividend of $344,160 to guc's. Plan needs to be 100% plan.
- The debtor is not devoting all disposable income to the plan.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,042.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)

Plan proposes: $1,301 x 60, base
Payments: 2/4, arrears $2,602
Matter ResolvedRequest
Adjourment
1315/20/2020 10:00 am20-11298 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 6 required payments   Arrears: $702.00  Total Paid In: $3,114.00
As of 5/19/20(mk): UPdated. Obj resolved- atty agrees to terms


*** NEEDS TO CONFIRM AT $2,412 PTD, THEN $702 x 56, Begin 6/1/20; Base; OTBS w/ PNC Bank w/ in 30 days;
2019 Tax return to the Trustee by 8/15/20.***


1. Objection filed by PNC Bank (Fein Such) - failure to cure full arrears of $35,269.54 (Per POC)- RESOLVED - OTBS- Pay POC

2. Trustee's objection:
The debtor has insufficient income .Verified income leaves $312.11.( Current w/payments).
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2019 by 5/31/2020. (EXTENDED TO 8/30/2020)
- Need December pay stubs from part time job. (NOT RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $866.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- Need to file Pre-Confirmation Certification. (FILED)
- Need to resolve the estimated claim filed by the IRS. (NO LONGER ESTIMATED)

Plan proposes: $603 x 60, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
1325/20/2020 10:00 am20-11399 / CMGJOSEPH J MANIA III ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 4 of 6 required payments   Arrears: $0  

AS OF 5/11/2020 (at): - Per Atty, ok to dismiss/Hold Fees

341 HAS NOT BEEN HELD OR RESCHEDULED. ONLY CAR AND HOMEOWNER'S INSURANCE PROVIDED.

Payments: 3/4, arrears $687.04
Matter ResolvedRequest
Adjourment
1335/20/2020 10:00 am20-11797 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $913.00  
AS OF 5/19/20 (at):

1. Objection filed by Regional Acceptance (Bernstein-Burkley) - Cram is too low. Per NADA value is $8,525. Plan lists value at $1,132. (RESOLVE BY CONSENT ORDER 3/31/20)

2. Objection filed by Carrington Mortgage (Shapiro) - failure to cure full arrears of $22,561. (RESOLVED - LOAN MOD BY 6/16/20/DATE AS EXTENDED BY LM ORDER OR MOD PLAN TO PAY ARREARS/SURRENDER)

3. Objection filed by First Atlantic FCU (McCabe) - plan does not propose to pay full amount to pay off 2nd mortgage. Plan proposes $17,366, per POC payoff is $46,966.94. (UNRESOLVED)

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s)
- A current market analysis - needs to include the cover page so we see the source of the CMA. (RECEIVED)
- A copy of the last filed tax return - 2019 by 5/31/20. (RECEIVED)
- Must file pre conf. cert. (FILED)
- plan is a Loan modification. Must be a base dividend not 0%. (MOD PLAN NOT FILED)

Plan propose: $913 x 60, $0 to guc's, loan mod months after confirmation
Payments: 3/3
Matter ResolvedRequest
Adjourment
1345/20/2020 10:00 am20-12374 / CMGDANIEL L. REINGANUMConfirmation Hearing ScheduledContinued
6/3/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $300.00  Total Paid In: $1,200.00
issues as of 5/11/2020

1) Modified plan filed and scheduled for confirmation on 6/3 - need adjournment with consent of objecting creditors
2) Nationstar Mortgage LLC d/b/a Mr. Cooper (Stern Lavinthal) objection to confirmation - need to resolve
-arrears approximately $35,790.97
3) Trustee objection to confirmation - need to resolve
-need a copy of the homeowner's insurance renewal declaration - policy provided expired 3/12/2020
-plan needs to be a base
-must move against the IRS estimated claim
-must resolve creditor objection
4) Current with Trustee plan payments

proposed plan $300x7, $687x53 0% plan
paid in $900
last claim 14
Matter ResolvedRequest
Adjourment
1355/20/2020 10:00 am20-12797 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 5 required payments   Arrears: $1,000.00  Total Paid In: $2,440.00
5/19/20(mk):Updated - atty ok to terms

RECOMMEND: $1,440 PAID TO DATE, $1,000 x 17 BEGINNING 6/1/2020, THEN $1,200 x 42 BEGINNING 11/1/2021, pro rata
------Need Pre-Confirmation Certification within 10 days of confirmation.
------Claim #3 filed by Wells Fargo will be paid through the plan.
------2019 tax return to Trustee by 8/31/2020.

1. Wells Fargo Bank filed a secured arrears claim #3 in the amount of $74.04 which is not in the plan. Is it ok to pay this claim? will pay
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 tax return by 8/31/20. (NOT RECEIVED YET)
- Need pension/401k loan statement. (RECEIVED - additional $287/month beginning 11/2021)
- $400 tele/cell/internet/cable, $50 Netflix/Prime, additional transportation, Elks dues
- Disposable income of $384 per Form 22c, as scheduled, requires a $23,040 minimum dividend.
- Income documentation for the debtor verifies higher ($3,412) than scheduled ($2,311).
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,497 when determining disposable income. (AVERAGED/ADDED TO INCOME)

Plan proposes: $480 x 60, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1365/20/2020 10:00 am20-13135 / CMGMICHAEL MCLAUGHLINConfirmation Hearing on Modified PlanContinued
7/1/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $200.00  
AS OF 5/15/20 (SF) - Adj. requested

1. Objection filed by US Bank (Phillip Raymond) - failure to pay arrears; speculative sale and insufficient income
2. Trustee objection:
- The debtor has insufficient income to fund the plan.
- There is non-exempt equity on real property, personal assets and bank accounts. Will confirm at 100% due to non-exempt equity on assets.


Plan proposes $200 x 36 100%, Sale by 3/31/21
Payments: 3/3

RESOLVED ISSUES:
- Need a Modified Plan that runs a minimum of 36 months (MP FILED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution,. (MP FILED)
- Must file Pre-confirmation certificate (FILED)
Matter ResolvedRequest
Adjourment
1375/20/2020 10:00 am20-13769 / CMGJOHN D DICIURCIOConfirmation Hearing ScheduledDismissedDebtor has made 0 of 4 required payments   Arrears: $0  

NS
Matter ResolvedRequest
Adjourment
1385/20/2020 10:00 am20-13984 / CMGMark K. Smith, Esq.Confirmation Hearing ScheduledContinued
7/15/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $600.00  
issues as of 5/8/2020

1) 341 not held, rescheduled for 6/4/2020
2) Not current with Trustee plan payments, arrears $600
3) Need to file Pre Confirmation Certification with Court
4) SN Servicig Corporation/US Bank (Friedman Vartolo) objection to confirmation - need to resolve
Matter ResolvedRequest
Adjourment
1395/20/2020 10:00 am20-14008 / CMGROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
7/15/2020 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $914.00  
AS OF 5/11/20 (SF)

1. MUST REQUEST ADJOURNMENT OF CONFIRMATION HEARING
2. 341 NOT HELD - RESCHEDULED TO 6/4/20
3. PAYMENTS: 2/2
Matter ResolvedRequest
Adjourment
1405/20/2020 10:00 am20-14015 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $400.00  
AS of 5/12/20(9mk):


1.Objection filed by Santander( Morton):
Plan is silent as to creditor.(POC-0-arrears).

2. Trustee Objection:
- clarify- is TR paying arrears pending LM?
-debtor has insufficient income to fund plan.
- need Proof of 2 month's income - (new job with Advanced Health)
-need 2019 return by 8/15/20.
-need updated homeowner's insurance .Current insurance has expired).
-need Amendments to Schedules to add new job and the $1300 monthly in rent & remove
Uber income.
-must address objection by Santander .
-need Amended Statement of Financial affairs for attorney disclosure of total funds
received from debtor for the year prior to filing.
- need amended amended atty disclosure .
--------------------
-add to confirm Order Std.Loans outside.(Notes made on wksheet).





Plan:400 x 12;875 x 48, LM 893 Gloucester Ave by 9/1/20;base
payments:2/2
last claim:9-1, bar date:5/18/20
Matter ResolvedRequest
Adjourment
1415/20/2020 10:00 am20-14117 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/3/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $3,002.00
AS OF 5/11/2020 (at):

IF OK TO PAY JPMORGAN CLAIM #6, RECOMMEND: $1,448 PAID TO DATE, $1,075 x 58 BEGINNING 6/1/2020, 100% TO GUC'S DUE TO NON EXEMPT EQUITY OF $67,752.36 IN REAL ESTATE
Need Pre-Confirmation Certification within 10 days of confirmation.
Preserve non-exempt equity of $67,752.36 in real estate.
Need amended attorney disclosure statement within 10 days of confirmation.

1. Disclosure statement needs to be amended. States that $4,160 will and will not be paid through the plan.

2. JP Morgan Chase filed a secured arrears claim #6 in the amount of $476.19 which is not in the plan. Is it ok to pay this claim?

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - on the 96 Gimbel Place property (RECEIVED - THERE IS $67,752.36 IN NON-EXEMPT EQUITY)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There may be non-exempt equity in real estate once CMA is provided. ($67,752.36)

Plan proposes: $724 x 60, not less than $29,580.21 to guc's
Payments: 2/2
Matter ResolvedRequest
Adjourment
1425/20/2020 10:00 am20-14141 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 4 required payments   Arrears: $0  

No $

As of 5/8/20 (DS): 341a sched 5/28/20, no payments made, arrears $1,980, made 0 out of 2 payments, must get current, then submit confirmation adjournment request.
Matter ResolvedRequest
Adjourment
1435/20/2020 10:00 am20-14144 / CMGOTTO J KOSTBAR, ESQConfirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $200.00  
341 now on for 5/28/20
Matter ResolvedRequest
Adjourment
1445/20/2020 10:00 am20-14168 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/3/2020 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $1,000.00  
atty says debtor to get unemployment- Motion to Seepend on6/3/20

Per AR- Needs 1 payment ,then can adj. to after 6/3/20 which is date of Motion To Suspend TR Payments. Needs MP

5/18/20:NO PAYMENTS, ADJOURNMENT REQUEST DENIED

issues as of 5/11/2020

1) Motion to suspend payments is scheduled for 6/3/2020 -Trustee objection to motion filed, need outcome
2) US Bank (RAS Crane) objection to confirmation - need to resolve
-arrears $127,481.87
3) On 4/28/2020 Order terminating Loss Mitigation was entered by the Court
4) Trustee objection to confirmation - need to resolve
-need a copy of the 2019 tax return by 8/15/2020
-need a modified plan that pays a base to unsecured creditors. Loan mod plans cannot pay $0 to guc's
-the debtor has failed to supply proof of social security number to Trustee
-excessive expense on Schedule J $545/month for food 1 person
-the Schedules fail to account for the debtors tax refund in the amount of $519 when determining disposable income
-need to file Pre Confirmation Certification with Court
-need to resolve estimated IRS priority claim

proposed plan $400x36 0% plan with loan mod 6 months
no plan payments to date, arrears $800 (0 for 2 payments)
last claim 7
Matter ResolvedRequest
Adjourment
1455/20/2020 10:00 am20-14218 / CMGJared A. Geist Confirmation Hearing ScheduledDismissedDebtor has made 0 of 4 required payments   Arrears: $0  

NS

As of 5/19/20(mk)Updated

No Payments
No 341 docs at all have been submitted.
Obj. By PRC Management(- LL Kromer).
- lease in default- arrears.Not in plan.
Matter ResolvedRequest
Adjourment
1465/20/2020 10:00 am20-14231 / CMGVERA FEDOROFFConfirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $558.00  
AS OF 5/11/20 (SF)

1. 341 NOT HELD - RESCHEDULED TO 5/28/20
2. PAYMENTS: 1/2 Arrears: $558
Matter ResolvedRequest
Adjourment
1475/20/2020 10:00 am20-14470 / CMGKirsten B. Ennis Confirmation Hearing ScheduledContinued
6/17/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $3,900.00
5/19/20(mk):POC to be filed by FWDSL & Assoc on Tax Lien for Tax Sale cert on RE. Claim shows arrears $27,901.42 & total claim $94,237.50. Which amt . does debtor want in plan? If # differs from the soon to be filed POC, then needs a consent order.
SHOULD ADJ. TO 6/17/20.


AS of 5/12/20(mk):

>>>Plan (4b)has arrears to Boro Of South Bound Brook $29,255.90, then has amt .to be pd $46,030.46. Which is it? NEED CLARIFICATION. No POC yet.
Bar date is 5/25/20 .Guc filed claims already at $7,501 .Scg F had $1,646. Should adj. till after bar Date.<<<

1. Trustee Objection:
- plan must remain at 100% due to the non-exempt equity , which
as of now is $188,237.10)in the real estate. No poc filed yet by Boro Of S. Bound Brook.
-need 2019 tax return by 8/15/20.(Provided).
-need updated proof of homeowner's insurance .((Provided)

Plan:975 x 60;100%
payments:2/2
lastclaim:5-1,bar date:5/25/20
Matter ResolvedRequest
Adjourment
1485/20/2020 10:00 am20-14523 / CMGBARRY J ROYConfirmation Hearing ScheduledContinued
7/15/2020 10:00 am
Debtor has made 0 of 4 required payments   Arrears: $44,017.00  
4/8/20(sf) Letter from Rebecca McDowell, Esq. from the Saldutti Law Group states that they do not represent TD Bank. Service to them is improper

AS OF 5/11/2020 (at):

Payments: 1/2, arrears $1,524.06
Matter ResolvedRequest
Adjourment
1495/20/2020 10:00 am20-14531 / CMGErik M. Helbing Confirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $643.00  
Matter ResolvedRequest
Adjourment
1505/20/2020 10:00 am20-14542 / CMGPETER E ZIMNIS, ESQConfirmation Hearing ScheduledContinued
8/5/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $100.00  
As of 5/18/20 (DS): Debtor attorney requested adjournment, 341 sched 6/11/20
Matter ResolvedRequest
Adjourment
1515/20/2020 10:00 am20-14592 / CMGROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
6/17/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

MK-atty docs all in- needs 341-- MP on 6/17/20for date of MP

updated 5/14/2020
issues as of 5/8/2020

1) 341 not held, not rescheduled - missing documents
2) Current with Trustee plan payments
3) Need to file Pre Confirmation Ceritfication
4) Need modified plan to specify length of plan, above medial case requires 60 month plan
Matter ResolvedRequest
Adjourment
1525/20/2020 10:00 am20-14613 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,582.00  
As of 5/18/20 (DS): Debtor attorney requested adjournment,

As of 5/14/20 (DS): 1. Trustee obj to the following:
- Although plan proposes 100% there are excessive expenses on 122C and Schedule I on Line 10 $351 additional housing expenses and Line 30 $48 additional food.
- Excessive expenses on Schedule J: $1100 for food.
- Disposable income verifies higher at $1,825.40. Recommend waiting pass bar date 5/28/20.
- Must provide 2019 Tax return, if not filed, no later than 8/15/20.
- Must resolve IRS estimated claim, 2019 tax return not filed.
- Must file Pre-confirmation certificate.

Prop Plan $1,582 x 60 100%
Note: Service done.
Matter ResolvedRequest
Adjourment
1535/20/2020 10:00 am20-14652 / CMGKevin Fayette, EsqConfirmation Hearing ScheduledContinued
6/3/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $709.00  Total Paid In: $1,725.00
UPDATED 5/15/2020
issues as of 5/8/2020

1) New Jersey Housing and Mortgage Finance Agency (Phelan) objection to confirmation
-approximate arrears $22,964.42 PER ATTY WILL PAY ARREARS THROUGH PLAN PER POC
2) Trustee objection to confirmation - need to resolve
-the debtor is not paying all disposable income into plan - excessive expense per Schedule J: $694 auto payment $495 food
-need to file Pre Confirmation Certification with Court RESOLVED, FILED
-need copy of mortgage claim. The crams may be improper as there is equity after deducting the mortgage claim
-confirming order must provide for all non-exempt proceeds from personal injury claim

proposed plan $575x60 base plan
paid in $1150
last claim 16
Matter ResolvedRequest
Adjourment
1545/20/2020 10:00 am20-14713 / CMGMICHAEL MCLAUGHLINConfirmation Hearing ScheduledContinued
6/17/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $350.00  Total Paid In: $1,050.00
AS OF 5/15/20 (SF) - Adj to after bar date

1. Wells Fargo filed arrears claim 2-1 for $166.10 (OK TO PAY?)

2. TD Bank filed bifurcated claim 1-1 for $1093.00 secured and $118.86 unsecured which is not addressed in plan (HOW SHOULD THIS CLAIM BE TREATED?)

3. Need amended Disclosure Statement to pay fees through the plan or fees will not be paid

4. Trustee objection:
- pension loan statement, based on pays tub should be paid in 15 months disposable income would increase $1,680/month ($1680 will be available in 5/2021)
- Disposable income on Line 45 of Form 122c $388.41 requires minimum $23,304.60 dividend to general unsecured creditors
-need statements for Valic 403(b) loans showing balance due. (loan will expire is 11/2023) $157.52 will be available
- must file pre conf cert FILED)


Plan proposes $350 x 18, $850 x 42 Base
Payments: 2/2
Matter ResolvedRequest
Adjourment
1555/20/2020 10:00 am20-14735 / CMGJAMES J CERBONE, ESQConfirmation Hearing ScheduledContinued
8/5/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $703.00  
AS of 5/6/20(mk):

341 hearing will be by telephone. Order entered. need to sch. that and NEED ADJ OF THIS HEARING IF 341 is not done soon.
Matter ResolvedRequest
Adjourment
1565/20/2020 10:00 am20-14749 / CMGTHOMAS J ORR ESQConfirmation Hearing ScheduledContinued
6/17/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $1,298.00
mk: FYI MP(#16) Filed 5/12/20. Surrenders 2005 Caddy(One Main)

CONF HEARING ADJ'D TO 6/17 TO COINCIDE WITH MOD PLAN CONF HEARING.

AS OF 5/11/2020 (at):

1. OneMain Financial filed a secured arrears claim #1 (2005 Cadillac) which is not in the plan. Is it ok to pay this claim?

2. Trustee's objection:
- add to confirming order that student loans to be paid outside plan. (LANGUAGE ADDED)
- must file pre conf cert. (NOT FILED)

Plan proposes: $300 x 30 beginning 4/1/2020, $515 x 30, $0 to guc's
Payments: 2/2
Matter ResolvedRequest
Adjourment
1575/20/2020 10:00 am20-14763 / CMGSTACEY L MULLEN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $2,606.00
As of 5/14/20 (DS): Ok to confirm $1,200 paid, $701 x 58 begin 6/1/20 0% to gucs

Prop Plan $600 x 60 0%
Note: Trustee obj to equity moot, POC filed higher and amended Sched C filed. Obj with Nationstar resolved per order pay claim.
Matter ResolvedRequest
Adjourment
1585/20/2020 10:00 am20-14790 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $81.00  Total Paid In: $841.00
updated 5/19/2020
issues as of 5/8/2020

*need to confirm at $570 paid to date, $271x58 begin 6/1/2020 base plan
-copy of 2019 tax return to Trustee on or by 8/15/2020
-need to file Pre Confirmation Certification with Court within 10 days of confirmation

1) IRS priority claim estimated for 2019 taxes - NOTE ON CONFIRMATION ORDER TO PROVIDE TRUSTEE WITH COPY OF RETURN ON OR BY 8/15/2020
2) Trustee objection to confirmation - need to resolve
-need copy of 2019 tax return by 8/15/2020 -ADD NOTE ON CONFIRMING ORDER
-the debtor is not paying all disposable income the plan - disposable income per Schedule I verifies higher at $281.76
-file Pre Confirmation Certification ADD NOTE TO CONFIRMING ORDER TO BE FILED WITHIN 10 DAYS OF CONFIRMATION


proposed plan $190x36 base plan
paid in $570
last claim 13-1
Matter ResolvedRequest
Adjourment
1595/20/2020 10:00 am20-14885 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $500.00  
AS OF 5/15/20 (SF)

1. The plan does not propose enough to pay claims at 100%. Schedule F shows total of $93,649 but the plan only proposes $30,000. Tp date $62,049.41 in filed claims. The bar date does not expire until 6/3/20.

2. Trustee objection:
- Need a copy of the last filed tax return - 2019 by 8/15/2020
- Need A copy of the homeowner's insurance renewal declaration - policy provided expired 4/8/2020
- Need a copy of auto insurance renewal, policy provided expired 3/31/2020
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3005 when determining disposable income.
-bank statements - need Wells Fargo checking account #2379 and Wells Fargo Savings account #4980. Provide statements for 6 months before filing. Also provide February statements for the Capital One accounts #9698 and #3549

Plan proposes $500 x 60 100%
Payments: 2/2
Matter ResolvedRequest
Adjourment
1605/20/2020 10:00 am20-14922 / CMGMelissa Y. Spears, Esq.Confirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,050.00  
341 is on for 5/21/20. NEEDS TO REQUEST ADJ OF THIS CONF HEARING.
Matter ResolvedRequest
Adjourment
1615/20/2020 10:00 am20-14993 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
7/1/2020 10:00 am
Debtor has made 1 of 4 required payments   Arrears: $0  

AS OF 5/11/2020 (at):

1. The IRS filed an estimated priority claim #5 which needs to be resolved/amended.

2. The State of NJ Division of Taxation filed an estimated priority claim #12 which is not in the plan and needs to be resolved/amended.

3. The IRS filed a secured claim #5 in the amount of $30,949.96 which is not in the plan. Is it ok to pay this claim?

4. North Pointe Hollow Condo Assoc filed a secured claim #4 in the amount of $12,118.88 which is not in the plan. Is it ok to pay this claim?

5. Objection filed by Citigroup/Rushmore (Pluese) - failure to cure arrears of $37,321.57 (Per POC).

6. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - : Need March and April pay stub to get a better average of Severance Pay. (NOT RECEIVED)
- A copy of the last filed tax return - : 2019 tax return by 8/15/20. (NOT RECEIVED)
- Need Feb & March bank statements for Bank of America and TD Bank accounts. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $500 transportation, $625 car payment
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):
- The Debtor is not devoting all $2,1217 scheduled disposable income to the plan per filed Schedules I and J.
- Disposable income per Form 122c as filed requires $32,034 minimum dividend to unsecured creditors.
- The current Plan does not specify treatment of the IRS (secured) and North Pointe Hollow Condo Assn under the Plan. (MOD PLAN NOT FILED)

Plan proposes: $300 x 60, base, loan mod by 10/1/2020
Payments: 1/2, arrears $300
Matter ResolvedRequest
Adjourment
1625/20/2020 12:00 pm15-13731 / CMGJustin M. Gillman, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment
1645/20/2020 12:00 pm17-10161 / CMGPRO SEMotion to ReconsiderDeniedTotal Paid In: $51,580.00
MTN TO RECONSIDER ORDER ON MFR, DOC #61.

OBJ. By J. Morton)( SV Mercedes Benz)
Matter ResolvedRequest
Adjourment
1635/20/2020 12:00 pm17-10161 / CMGPRO SEMotion ReconsiderDeniedTotal Paid In: $51,580.00
DEBTORS' MTN TO RECONSIDER SUPP FEE ORDER DOC #59(Fees for C. Knowlton, esq.)
Matter ResolvedRequest
Adjourment
1655/20/2020 12:00 pm18-22055 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $20,063.00
Trustee Obj. (reduce fees by $450- amt for brief on SSI) & atty reply(#53)
Matter ResolvedRequest
Adjourment
1665/20/2020 12:00 pm18-22753 / CMGWilliam H. Oliver, Jr., Esq.Motion CompensationGrantedTotal Paid In: $43,109.00
Matter ResolvedRequest
Adjourment
1675/20/2020 12:00 pm18-30563 / CMGBRUCE C TRUESDALE ESQMotion CompensationGrantedTotal Paid In: $7,509.00
Matter ResolvedRequest
Adjourment
1685/20/2020 12:00 pm18-32545 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $7,578.00
5/19 AMT: Does this include the $1500 supplemental fees proposed in 12/4/19 modified plan?


FYI: MP confirmed 12/4/19 included 1500 in fees.atty said that was estimate and this application is for more but includes the 1500 already set up.
Matter ResolvedRequest
Adjourment
1695/20/2020 12:00 pm19-10808 / CMGWilliam H. Oliver, Jr., Esq.Motion CompensationGrantedTotal Paid In: $7,524.00
Matter ResolvedRequest
Adjourment
1705/20/2020 12:00 pm19-29256 / CMGPRO SEMotion Relief from Stay (Fee)Judge to Reserve Decision
5/20/20:Judge will issue written decision.

5/13/20: Needs judge- 12:00

Debtor obj<>BAYVIEW LOAN SERVICING (KML)
Matter ResolvedRequest
Adjourment
1715/20/2020 12:00 pm19-29256 / CMGPRO SEOrder Vacate Dismissal of CaseContinued
7/15/2020 12:00 pm
Debtor has made 9 of 9 required payments   Arrears: $0  

5/20/20:Judge to decide on Bayview motions & debtor needs MP.

THIS WILL NEED JUDGE .

>>5/19/20:Updated Home insurance provided


As of 5/13/20(mk):
mk emailed debtor the case notes on 5/13/20

>>ISSUES WITH BAYVIEW NEED TO BE SORTED OUT FIRST IN ORDER TO DETERMINE FUTURE OF CASE.<<<

1.Motion To Vacate Dismissal Of Adv. Filed By Debtor - Order Entered(#19) Denied- NOTE: 4/16/20:Debtor Appealing Order of Dist. Ct.

2. Debtor's Motion To Disallow Bayview Claim & Opposition (#48) by Bayview(KML) on 5/20/20. Debtor reply.

3. Bayview has Stay Relief Motion on for 5/20/20.Debtor obj.

4. Objection by Bayview Loan(KML):
- bar date extended & POC Arrears $120,913.79 in arrears. Plan provides -0- for arrears. Plan not feasible.

5. Debtor filed objection (#49)to Bayview's Notice of payment change. Response (#51)by Bayview(KML).

6. Objection by JP Morgan Chase( McCalla):(NO POC FILED)
- creditor holds 3rd mtg on RE at 161 Cherry Tree lane. Debtor says that was his former marital residence.

7. Trustee Objection: Plan is not Feasible
**NEED UPDATED PROOF OF HOME INSURANCE. ( Provided).
-The Modified Plan filed by the debtor proposes an order of distribution that is contrary to the
Trustee's recommended order of distribution.
-The Plan is 100 x 36 months and 5% to unsecured creditors. It says it will only pay unsecured
creditors. Debtor has a home located in Holmdel NJ with a value of Approximately $478,089.
Bayview appears to hold the mortgage on the property ,which the debtor disputes. No housing
expense is listed on schedule J. No secured creditors are listed in the plan. bayview is listed as having a Mtg on home insurance
declaration pages.
-the adversary filed by the Debtor against Bayview was DISMISSED WITH PREJUDICE BY ORDER 1/28/20.
(Debtor is appealing)
- Petition lists domestic support obligations that were terminated, yet it also states the Monmouth
County , Family Court has ordered a recalculation of those obligations. Needs status of that a
Matter ResolvedRequest
Adjourment
1725/20/2020 12:00 pm19-29256 / CMGPRO SEMotion Motion (Generic) - Only use if no other event is applicableJudge to Reserve Decision
5/20/20:Judge will issue a written proceeding.

5/13/20: Needs Judge - 12:00

4/29/20(mk):Adj. by Chambers to 5/20/20 to be heard w/ crediotr MFR & Conf.

Bayview opp (KML); Debtor response<>MTN TO DISALLOW BAYVIEW CLAIM #2-1
Matter ResolvedRequest
Adjourment
1735/20/2020 12:00 pm19-33265 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $3,985.00
Matter ResolvedRequest
Adjourment
1745/20/2020 12:00 pm20-15616 / CMGDaniel Straffi, Esq.Order to Show CauseVacated
TWO OPEN CASES

>>>mk:Other case - 19-12248 was dismissed at 9 on TR Motion on 5/20/20. SO NOW ONLY THIS CASE REMAINS.
Matter ResolvedRequest
Adjourment
1755/20/2020 3:00 pm15-21393 / CMGPRO SEMotion Withdraw As AttorneyGrantedTotal Paid In: $82,871.00
should this be held for 3 to be heard with Debtor's motion to Enforce?

Debtor filed Cross Motion to Grant Relief from Atty fees(#132).
Matter ResolvedRequest
Adjourment
1765/20/2020 3:00 pm15-21393 / CMGPRO SEMotion EnforceMootTotal Paid In: $82,871.00
L Egerman to submit to Debtor a comprehensive explanation of balance due to Bank & debtor will reply /contact Judge w/ questions. Once loan balance is determined , then Order will be entered By CT.


5/11/20(mk) L. Egerman ,esq. email attached here w/ Payment history. for Selene/Wilmington)

Debtor to file papers as to what she was told by atty etc. -need Hanratty & A. Jennings. Hanratty Motion to W/D on for 5/20/20.
>.Seems to be confusion as to which law firm represents Bank. It was RAS 9L. Egerman) for Adversary & Shapiior's office in the Ch 13 case.

5/1/20:as off today no opp'n filed by Bank.

DEBTOR FILED MTN FOR 2004 EXAM/WILMINGTON SAVINGS (Shapiro-C.Walrab,esq.- NEW ATTY IS Elizabeth Wassall)) SEEKING LOAN HISTORY & ALLOCATION & DISGORGEMENT OF PAYMENTS FROM 7/1/15-PRESENT.
AR NOTE PLAN BALANCE
SEE PN for case history.



note:Motion to w/d as atty ,filed by E. Hanratty is on for 5/20/20
Matter ResolvedRequest
Adjourment
05/20/2020 3:00 pm15-21393 / CMGPRO SEMotion Cross MotionGrantedTotal Paid In: $82,871.00
5/26 AMT; PPSD ORDER TO CHAMBERS/7 DAY<<<>>>
Mk: need order that Hanratty to return fees to trustee of $692, plus he will not received 208.84 bal due so this will reduce balance to complete. Tell AMT we want to case to stay open till mtg is straightened out.


DEBTOR CROSS MTN TO BE RELIEVED OF ATTY FEES

>.Debtor filed Cross Motion ( #132)to Grant Relief Form Atty Fees.
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes