Judge Michael B. Kaplan
Hearing Date: 5/27/2020
Hearing Count: 229
Last Updated: 07-02-2020 07:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
15/27/2020 9:00 am15-12621 / MBKERIC L LEINBACH, ESQMotion Motion (Generic) - Only use if no other event is applicableContinued
6/2/2020 2:00 pm
Total Paid In: $167,318.00
MTN TO SUSPEND PAYMENT THRU AUG 31, 2020-Covid
trustee obj: The motion should be withdrawn and a modified plan filed. Congress has specifically allowed plan extension in the CARES Act for these type of circumstances. The debtors should include the certification in support of modification available on the trustee's website.
Matter ResolvedRequest
Adjourment
25/27/2020 9:00 am15-14263 / MBKPETER E ZIMNIS, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/24/2020 9:00 am
Total Paid In: $16,999.00
AR NEEDS UPDATE ON COMPLETING PLAN BALANCE
Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
35/27/2020 9:00 am15-14867 / MBKCANDYCE I SMITH-SKLAR, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/24/2020 9:00 am
Total Paid In: $25,459.00
***Adj to 6/24/20 peremptory - atty working out transfer of claim issue with mtg co***

AR ATTY NEVER ADDRESSED NOTICE OF RESERVE
Debtor obj<>FAILED TO PAY PLAN BALANCE (paid in full); NEED TO ADDRESS NTC OF RESERVE PER PLAN CLM ID #20
Matter ResolvedRequest
Adjourment
45/27/2020 9:00 am15-15144 / MBKJOSEPH CASELLO ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
Stay Relief for Ford Motor Credit was to be o/s the plan. Claim was corrected and there are no other issues
Matter ResolvedRequest
Adjourment
65/27/2020 9:00 am15-17976 / MBKROBERT MANCHEL ESQTrustee Certification of DefaultWithdrawnTotal Paid In: $34,652.00
5/15 amt: PIF/closing audit pending creditor cert of default<<<>>>

Debtor obj, will cure arrears<>
Matter ResolvedRequest
Adjourment
55/27/2020 9:00 am15-17976 / MBKROBERT MANCHEL ESQCreditor Certification of DefaultContinued
6/24/2020 9:00 am
Total Paid In: $34,652.00
AR PLAN COMPLETE TREAT AS OS
FREEDOM MTG (McMonagle) ( TR ARREARS )
Matter ResolvedRequest
Adjourment
75/27/2020 9:00 am15-18760 / MBKJAMES J CERBONE, ESQCreditor Certification of DefaultContinued
6/10/2020 9:00 am
Total Paid In: $44,415.00
AR PLAN COMPLETE PENDING AUDIT
SN SVS (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
85/27/2020 9:00 am15-25445 / MBKJAMES J CERBONE, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/14/2020 9:00 am
Total Paid In: $73,304.00
Debtor obj, filing MP<>SV/SELECT PORTFOLIO #12-1; ARREARS
Matter ResolvedRequest
Adjourment
95/27/2020 9:00 am15-27443 / MBKCHRISTOPHER J. KERNMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
Matter ResolvedRequest
Adjourment
105/27/2020 9:00 am15-27613 / MBKJAMES J CERBONE, ESQMotion Relief from Co-Debtor StayWithdrawn
ADJ to 5/27/20 Peremptory - property was sold & bank was paid at closing
Debtor obj<>M&T BANK (SCHILLER, LEFKOWITZ)
Matter ResolvedRequest
Adjourment
115/27/2020 9:00 am15-33990 / MBKJAMES J CERBONE, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/14/2020 9:00 am
Total Paid In: $32,395.00
Debtor obj, filing MP<>SV/SLS #9-1
Matter ResolvedRequest
Adjourment
125/27/2020 9:00 am16-16965 / MBKCANDYCE I SMITH-SKLAR, ESQMotion Relief from Stay (Fee)Continued
6/10/2020 9:00 am
Total Paid In: $33,364.00
nfa
5/26/2020 KJ: PER THE DOCKET THE MATTER WAS RE-LISTED

Debtor obj<<<>>>AMERICAN FINANCIAL RESOURCES (RAS)
Matter ResolvedRequest
Adjourment
135/27/2020 9:00 am16-17426 / MBKJOSEPH ALBANESE, ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $71,910.00
EACH COUNSEL TO SUBMIT PROPOSED FORM OF ORDER BY 5-29

Debtor obj<>WELLS FARGO BANK (PHELAN)
Matter ResolvedRequest
Adjourment
145/27/2020 9:00 am16-20371 / MBKYAKOV RUDIKHMotion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $10,575.00
MTN TO PURCHASE REAL PROPERTY--plan almost done
Matter ResolvedRequest
Adjourment
155/27/2020 9:00 am16-21990 / MBKKevin Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $58,464.00
SV/US BANK #3-1
Matter ResolvedRequest
Adjourment
165/27/2020 9:00 am16-22486 / MBKHENRY CHUDZIK, JR.Trustee Certification of DefaultWithdrawnTotal Paid In: $16,220.00
Debtor obj, researching pymts<> DEBTOR IS CURRENT
Matter ResolvedRequest
Adjourment
175/27/2020 9:00 am16-33412 / MBKROBERT C NISENSON ESQCreditor Certification of DefaultSettled / ResolvedTotal Paid In: $16,830.00
SLS (KML)( TR ARREARS )
Matter ResolvedRequest
Adjourment
185/27/2020 9:00 am17-10373 / MBKMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/14/2020 9:00 am
Total Paid In: $17,291.00
adj to 7/14 from 5/27 to file MP

Debtor obj<>SV/PNC #3
Matter ResolvedRequest
Adjourment
195/27/2020 9:00 am17-17719 / MBKJOSEPH J MANIA III ESQMotion to ReconsiderContinued
6/2/2020 2:00 pm
Total Paid In: $33,111.00
AR ADJ PER CHAMBERS
MTN TO RECONSIDER OVS/WELLS FARGO
Matter ResolvedRequest
Adjourment
205/27/2020 9:00 am17-18948 / MBKAndrew Thomas Archer Motion Motion (Generic) - Only use if no other event is applicableOrder to be SubmittedTotal Paid In: $22,853.00
OTBS - atty to amend order to reflect that plan is extended to 60 months.
MTN TO SUSPEND TRUSTEE PAYMENT - current plan is 58 months
Matter ResolvedRequest
Adjourment
215/27/2020 9:00 am17-19498 / MBKJ. Todd MurphyMotion Relief from Stay (Fee)GrantedTotal Paid In: $28,954.00
CASCADE FUNDING MTG (MEYNER AND LANDIS)
Matter ResolvedRequest
Adjourment
225/27/2020 9:00 am17-22128 / MBKLEONARD R BOYERMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)GrantedTotal Paid In: $14,400.00
per DM Atty filed a MP proposing 100% post Loan Mod


Debtor response; Trustee Obj--The debtor must demonstrate at the hearing that a modified plan is ready for filing to address case feasibility post loan modification.
Matter ResolvedRequest
Adjourment
235/27/2020 9:00 am17-26551 / MBKFawn B. Dyer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/24/2020 9:00 am
Total Paid In: $48,717.00
Debtor obj<>SV/RESIDENTIAL #6-1; ARREARS
Matter ResolvedRequest
Adjourment
245/27/2020 9:00 am17-32344 / MBKAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $14,421.00
SV/US BANK #2-1
Matter ResolvedRequest
Adjourment
255/27/2020 9:00 am17-32785 / MBKJAMES J CERBONE, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/14/2020 9:00 am
Total Paid In: $25,726.00
Debtor obj, filing MP<>SV/US BANK #3-1;
Matter ResolvedRequest
Adjourment
265/27/2020 9:00 am17-33506 / MBKEugene D. Roth Motion Relief from Stay (Fee)Continued
6/10/2020 9:00 am
Total Paid In: $26,187.00
WILMINGTON SAVINGS (PARKER MCCAY)
Matter ResolvedRequest
Adjourment
275/27/2020 9:00 am17-35365 / MBKPaola D. Vera, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $29,120.00
SV/WELLS FARGO #8-1;
Matter ResolvedRequest
Adjourment
285/27/2020 9:00 am18-12228 / MBKJAMES J CERBONE, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/14/2020 9:00 am
Total Paid In: $12,081.00
Debtor obj, filing MP<>SV/SANTANDER #6-1
Matter ResolvedRequest
Adjourment
295/27/2020 9:00 am18-14219 / MBKSTEPHANIE RITIGSTEINMotion Reinstate StayGrantedTotal Paid In: $7,648.00
MTN TO REIMPOSE STAY/CONSUMER PORTFOLIO
Matter ResolvedRequest
Adjourment
305/27/2020 9:00 am18-16545 / MBKTerry Tucker Trustee Certification of DefaultDismissedTotal Paid In: $9,092.00
AMT: MP 5/27<<<>>>NEEDS RESOLUTION

Debtor obj<>
Matter ResolvedRequest
Adjourment
315/27/2020 9:00 am18-17524 / MBKMICHAEL R SPECKApplication for Early Termination of Loss MitigationContinued
6/24/2020 9:00 am
Total Paid In: $13,500.00

NFA LOAN MOD DECISION OR TR TO TREAT OS PLAN
AR ALL OTHER CLAIMS PAID AT 100%IF CONTINUE TREAT AS OS AND CLOSE CASE
Debtor obj<>BANK OF NY MTN FOR EARLY TERMINATION OF LOSS MIT(KML)
Matter ResolvedRequest
Adjourment
325/27/2020 9:00 am18-19001 / MBKGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/24/2020 9:00 am

FAILED TO AMEND US BANK/BSI #1-1 TO $0 PRE PET ARREARS OR W/D BY 11/11/19
Matter ResolvedRequest
Adjourment
335/27/2020 9:00 am18-22364 / MBKROBERT C NISENSON ESQMotion Sell Free and Clear of Liens under 363(f) (FEE)Order Previously SubmittedTotal Paid In: $4,600.00
AR LENDER SUBMITTED REVISED ORDER

OST---19 CARTER PLACE ok 100%
Matter ResolvedRequest
Adjourment
345/27/2020 9:00 am18-22380 / MBKHENRY CHUDZIK, JR.Trustee Certification of DefaultContinued
6/24/2020 9:00 am
Total Paid In: $15,846.00
AR NEED UPDATE FROM ATTY BEFORE HEARING DATE
Debtor obj, will cure arrears
Matter ResolvedRequest
Adjourment
355/27/2020 9:00 am18-24207 / MBKSTEVEN N. TAIEB, ESQ.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $29,290.00
AMT: MP 5/27**NEEDS RESOLUTION***<<<>>>


Adj to 5/27/20 - debtor exploring CARES Act relief.

4/3/20 proposal - If Motion to Reinstate can be resolved with BOA, then proposed Trustee Order: $24,240 Ptd, then $4,000 (half already mailed) by 4/15/20, then $2,050 x 39 starting 5/1/20.

Debtor obj<>SV/BOA #7-1; ARREARS
Matter ResolvedRequest
Adjourment
365/27/2020 9:00 am18-24747 / MBKROBERT G SWAN, ESQMotion SellGrantedTotal Paid In: $51,426.00
1 MAGUIRE RD
Matter ResolvedRequest
Adjourment
375/27/2020 9:00 am18-25747 / MBKJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/10/2020 9:00 am
Total Paid In: $11,620.00
FAI.ED TO LM BY 7/11/19; EXTENDED LOSS MIT EXPIRED 10/7/19
Matter ResolvedRequest
Adjourment
385/27/2020 9:00 am18-28481 / MBKDOUGLAS G. MITCHELLMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order to be SubmittedTotal Paid In: $10,800.00
***DEBTOR IS CURRENT THRU APRIL - OTBS BY DEBTOR ATTY $528 x 40 STARTING 6/1/20 WITH 30-DAY DEFAULT***


trustee objection
$2138 arrears---paid $592 on 5/13
dismissed on trustee cert of default-last payment rec was in December at time of dismissal even though debtor claims Covid related deficiency
Matter ResolvedRequest
Adjourment
395/27/2020 9:00 am18-33752 / MBKJOSEPH I WINDMAN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $12,081.00
SV/WELLS FARGO #14-3; ARREARS
Matter ResolvedRequest
Adjourment
405/27/2020 9:00 am18-33994 / MBKAndrew Thomas Archer Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $3,476.00
Debtor obj<>REVERSE MTG FUNDING (MATTLEMAN, WEINROTH & MILLER)
Matter ResolvedRequest
Adjourment
415/27/2020 9:00 am18-35192 / MBKMICHAEL L DETZKY, ESQMotion Relief from Stay (Fee)GrantedTotal Paid In: $26,688.00
FORD MOTOR (MORTON)
Matter ResolvedRequest
Adjourment
425/27/2020 9:00 am18-35206 / MBKTHOMAS J ORR ESQMotion Motion (Generic) - Only use if no other event is applicableWithdrawnTotal Paid In: $11,829.00
AR ORDER DOES NOT INCLUDE RECAP
MTN TO SUSPEND TRUSTEE PYTMS APRIL, MAY, JUNE, 2020
* trustee obj---The motion should be withdrawn and a modified plan filed. Congress has specifically allowed plan extension in the CARES Act for these type of circumstances. The debtors should include the certification in support of modification available on the trustee's website.
Matter ResolvedRequest
Adjourment
435/27/2020 9:00 am18-35241 / MBKTIMOTHY P NEUMANN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $24,799.00
5/5 AMT: ORDER ENTERED<<<>>>

4/30/20 AMT: Atty email with ppsd order to pay $50,000 outside and $8,500 pro rata in plan as guc<<<>>>

FAILED TO FILE CONSENT ORDER BY 11/4/19 TO PAY SKINNER, CLM #7-1 OUTSIDE PLAN
Matter ResolvedRequest
Adjourment
445/27/2020 9:00 am19-12603 / MBKLAURENCE R SHELLER, ESQMotion Relief from Stay (Fee)GrantedTotal Paid In: $5,438.00
BANK OF NEW YORK MELLON (RAS)
Matter ResolvedRequest
Adjourment
455/27/2020 9:00 am19-12655 / MBKEdward Hanratty, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $56,550.00
AMT: MP 5/27 *** HONOR ROLL***<<<>>>

MOD PLAN TO BE FILED BY 4-24


Debtor obj<>SV/SLS I, LLC #8-1; DEBTORS PLAN WAS DENIED ON 1/14/20 AND FAILED TO FILE MP BY 2/14/20
Matter ResolvedRequest
Adjourment
465/27/2020 9:00 am19-12880 / MBKDAVID G BESLOW, ESQMotion Relief from Co-Debtor StayGrantedTotal Paid In: $8,737.00
WELLS FARGO BANK (SHAPIRO)
Matter ResolvedRequest
Adjourment
475/27/2020 9:00 am19-13423 / MBKPRO SEMotion Relief from Stay (Fee)Continued
6/2/2020 2:00 pm
Total Paid In: $6,232.00
5/26/2020 KJ: MATTER RE-LISTED PER THE DOCKET

Debtor obj<>PHH MTG (RAS)
Matter ResolvedRequest
Adjourment
485/27/2020 9:00 am19-14630 / MBKPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/24/2020 9:00 am
Total Paid In: $10,469.00
SV/CARRINGTON; FAILED TO ADDRESS LATE FILED CLM NJ DIV TAX #14-1; SCHEDULE C DOES NOT PROVIDE FOR AN EXEMPTION ON LAWSUIT PROCEEDS
Matter ResolvedRequest
Adjourment
495/27/2020 9:00 am19-14984 / MBKSTEPHANIE RITIGSTEINTrustee Certification of DefaultTrustee OrderTotal Paid In: $16,242.00
Trustee cert $14799 paid then 1443 x 46 beg. 6/1/20

PER MBK - CERT REGARDING BONUSES BY 5/22/20, $1,367 TO BE SUBMITTED IMMEDIATELY(done fluctuates EDC OK) but no money
- ADJ TO 5/27/20 TO BECOME CURRENT

AR PER ATTY ADJ AND BE CURRENT ON ADJ DATE
AR NEED PROOF OF 401K LOAN APPROVAL
-adj denied no money since November EDC
AR NEED UPDATE FROM ATTY
Trustee obj, can pay before 3/30
Matter ResolvedRequest
Adjourment
505/27/2020 9:00 am19-16621 / MBKDaniel Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $5,300.00
SV/DEUTSCHE #4-1; ARREARS
Matter ResolvedRequest
Adjourment
515/27/2020 9:00 am19-17681 / MBKWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/24/2020 9:00 am
Total Paid In: $2,360.00
Debtor obj, *atty advised special counsel does not need to be retained;
AR ATTY NEEDS TO EXPLAIN
filing MP to address LM provision; <>FAILED TO RETAIN SPECIAL COUNSEL FOR PI WITHIN 30 DAYS OF 9/25/19 CONF; FAILED TO LM BY 11/16/19, EXTENDED LOSS MIT EXPIRED 3/9/20; FAILED TO FILE ORDER RESOLVING BOA OBJ TO CONF WITHIN 45 DAYS OF CONF
Matter ResolvedRequest
Adjourment
525/27/2020 9:00 am19-18561 / MBKJOSEPH J MANIA III ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $4,972.00
SV/BOROUGH OF WASHINGTON #1-1; ARREARS
Matter ResolvedRequest
Adjourment
535/27/2020 9:00 am19-18678 / MBKEric ClaymanMotion Relief from Stay (Fee)Order to be Submitted
Debtor obj<>SPECIALIZED LOAN SERVICING (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
545/27/2020 9:00 am19-19301 / MBKAllen I. Gorski, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/10/2020 9:00 am
Total Paid In: $54,000.00
$5000 on 5/26--OK for one more adjournment
made $2,000 payment will adj for 2 weeks to get more money EDC

Debtor obj, proposes substantial pymt by 5/13 and MP<>ARREARS



-most income from contribution and spouse
Matter ResolvedRequest
Adjourment
555/27/2020 9:00 am19-19439 / MBKWARREN BRUMEL, ESQMotion Relief from Stay (Fee)Settled / ResolvedTotal Paid In: $6,900.00
Debtor obj<>FBC MTG (MCCABE)
Matter ResolvedRequest
Adjourment
565/27/2020 9:00 am19-19744 / MBKPETER E ZIMNIS, ESQMotion Relief from Stay (Fee)Continued
6/16/2020 9:00 am
Total Paid In: $7,200.00
Debtor obj<>MEADOW WOODS AT LAWRENCEVILLE CONDO (MCGOVERN)
Matter ResolvedRequest
Adjourment
575/27/2020 9:00 am19-21279 / MBKLAURENCE R SHELLER, ESQMotion Motion (Generic) - Only use if no other event is applicableOrder to be SubmittedTotal Paid In: $5,520.00
***Atty to submit an amended order for $944 x 47 starting 8/1/20***
AR ORDER DEFICIENT DOES NOT INCLUDE RECAP
MTN TO SUSPEND TRUSTEE PAYMENT
Matter ResolvedRequest
Adjourment
585/27/2020 9:00 am19-21697 / MBKHENRY CHUDZIK, JR.Motion Relief from Stay (Fee)Continued
6/10/2020 9:00 am
Total Paid In: $1,792.00
SELENE FINANCE (RAS)
Matter ResolvedRequest
Adjourment
595/27/2020 9:00 am19-22526 / MBKAndrew Thomas Archer Motion Relief from Co-Debtor StayContinued
6/10/2020 9:00 am
Total Paid In: $6,000.00
Debtor obj<>M & T BANK (SCHILLER, KNAPP, LEFKOWITZ)
Matter ResolvedRequest
Adjourment
605/27/2020 9:00 am19-23487 / MBKBRANDON L MARTIN, ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $6,323.00
AMERICREDIT FINANCIAL (MORTON)
Matter ResolvedRequest
Adjourment
615/27/2020 9:00 am19-24177 / MBKAllen I. Gorski, Esq.Motion Relief from Co-Debtor StayContinued
6/10/2020 9:00 am
Total Paid In: $7,100.00
Debtor obj<>SHELLPOINT MTG (RAS)
Matter ResolvedRequest
Adjourment
625/27/2020 9:00 am19-24334 / MBKScott J. Goldstein Motion Relief from Co-Debtor StaySettled / ResolvedTotal Paid In: $14,514.00
Debtor obj<>U.S. BANK NAT'L ASSOC (SHAPIRO)
Matter ResolvedRequest
Adjourment
635/27/2020 9:00 am19-25021 / MBKBRUCE C TRUESDALE ESQCreditor Certification of DefaultContinued
7/8/2020 9:00 am
Total Paid In: $1,660.00
CARRINGTON MTG ( Hill Wallack) AR TR ARREARS
Matter ResolvedRequest
Adjourment
645/27/2020 9:00 am19-25096 / MBKWARREN LEVYMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
6/2/2020 3:00 pm

ADJ ADD SUBMISSIONS IF ANY BY 5-29 CLIENTS BE AVAIL IF ANY FACTUAL DISPUTE
5/26/20(mk): Email from Jill Tafton @ Romano Garubo & Argentieri (Michael Baronio esq)REP. US Bank . They WILL APPEAR on this matter at 9:00am on 5/27/20.

AR DO NOT ADJOURN

US Bank obj (Romano Garubo)<>MTN TO REDUCE US BANK POC #12-1 TO $31,597.75
Matter ResolvedRequest
Adjourment
655/27/2020 9:00 am19-25229 / MBKCANDYCE I SMITH-SKLAR, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/24/2020 9:00 am
Total Paid In: $2,024.00
will send 1500 in money orders
Debtor obj<>SV/COMMUNITY #1-1 (stay reinstated); ARREARS (atty has $1,500); FAILED TO AMEND I/J & PROVIDE UPDATED POI TO TRUSTEE BY 11/23/19 (still has not addressed)
Matter ResolvedRequest
Adjourment
665/27/2020 9:00 am19-25446 / MBKYAKOV RUDIKHMotion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $2,060.00
MTN TO REINSTATE STAY/AMERICREDIT
Matter ResolvedRequest
Adjourment
675/27/2020 9:00 am19-25446 / MBKYAKOV RUDIKHMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $2,060.00
5/8 AMT: Cured arrears, mtn to reinstate stay 5/27 - no opp filed ( SV entered 4/22)<<<>>>

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

ADJ request denied - no payment since October 2019.


Debtor obj, need time to become current<>ARREARS
Matter ResolvedRequest
Adjourment
685/27/2020 9:00 am19-25517 / MBKSTEVEN J ABELSON, ESQMotion Relief from Co-Debtor StayContinued
6/10/2020 9:00 am
Total Paid In: $8,636.00
Debtor obj<>BROKER SOLUTIONS (SHAPIRO)
Matter ResolvedRequest
Adjourment
695/27/2020 9:00 am19-25798 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $2,085.00
Debtor obj<>HSBC BANK (PHELAN)
Matter ResolvedRequest
Adjourment
705/27/2020 9:00 am19-26908 / MBKGary D. HoffmanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $2,250.00
SV/CAPITAL ONE #3-1; ARREARS
Matter ResolvedRequest
Adjourment
715/27/2020 9:00 am19-27575 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $6,441.00
Debtor obj<>SPECIALIZED LOAN SERVICING (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
725/27/2020 9:00 am19-29986 / MBKLEE M PERLMAN, ESQMotion Relief from Stay (Fee)Granted
Opposition Withdrawn (Doc #27)
Debtor obj<>THE BANK OF NEW YORK MELLON (PLUESE)
Matter ResolvedRequest
Adjourment
735/27/2020 9:00 am19-30353 / MBKDaniel Straffi, Esq.Motion to Extend Loss MitigationContinued
6/24/2020 9:00 am

Select Portfolio obj (Milstead)<> MTN TO EXTEND LOSS MIT
Matter ResolvedRequest
Adjourment
745/27/2020 9:00 am19-30893 / MBKJustin M. Gillman, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGranted
MTN LOSS MIT
Matter ResolvedRequest
Adjourment
755/27/2020 9:00 am19-31349 / MBKJOHN ZIMNIS, ESQMotion Relief from Co-Debtor StayMoot - Dismissed
WELLS FARGO BANK (SHAPIO & DENARDO)
Matter ResolvedRequest
Adjourment
765/27/2020 9:00 am19-31442 / MBKAndrew Thomas Archer Motion Relief from Co-Debtor StayContinued
7/8/2020 9:00 am
Total Paid In: $8,900.00
Debtor obj<>BAYVIEW LOAN SERVICING (MCCABE)
Matter ResolvedRequest
Adjourment
775/27/2020 9:00 am19-32490 / MBKYAKOV RUDIKHMotion Relief from Stay (Fee)Granted
UMB BANK (RICHARD M SQUIRE & ASSOC)
Matter ResolvedRequest
Adjourment
785/27/2020 9:00 am19-32533 / MBKMARCIA Y. PHILLIPSMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
August 4 new conf date

D because attorney NS-current and all 341 docs
Matter ResolvedRequest
Adjourment
795/27/2020 9:00 am19-32678 / MBKSTEPHANIE RITIGSTEINMotion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $1,302.00
(AMT: ppsd clm was included in confirmed pot)<<<>>>

MTN TO ALLOW LATE FILED CLAIM/TRENTON HOUSING AUTHORITY
Matter ResolvedRequest
Adjourment
805/27/2020 9:00 am19-32814 / MBKSEYMOUR WASSERSTRUM, ESQMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)GrantedTotal Paid In: $4,470.00
6/24 new conf

Attorney agrees to confirm at 100% as per trustee's last confirmation recommendation EDC
Matter ResolvedRequest
Adjourment
815/27/2020 9:00 am19-32917 / MBKDaniel E. Straffi Motion Relief from Co-Debtor StayContinued
6/24/2020 9:00 am

Debtor obj<>WELLS FARGO BANK (PHELAN)
Matter ResolvedRequest
Adjourment
825/27/2020 9:00 am19-33268 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToDenied
MTN TO REDUCE DELL POC #5 TO $0 - Trustee Obj
Matter ResolvedRequest
Adjourment
835/27/2020 9:00 am19-33268 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToDenied
MTN TO REDUCE ADVANTA POC #1 TO $0 - Trustee Obj
Matter ResolvedRequest
Adjourment
845/27/2020 9:00 am19-33268 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawn
Chase response (Stewart)<>MTN TO REDUCE JP MORGAN POC#7 TO $0 - Trustee Obj
Matter ResolvedRequest
Adjourment
855/27/2020 9:00 am19-33680 / MBKSTEPHANIE RITIGSTEINMotion Relief from Co-Debtor StayMoot - Dismissed
SPECIALIZED LOAN (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
865/27/2020 9:00 am20-10200 / MBKMARYBETH SCHROEDERMotion Relief from Co-Debtor StaySettled / ResolvedTotal Paid In: $7,322.00
Debtor obj<>THE MONEY SOURCE (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
875/27/2020 9:00 am20-10219 / MBKBRUCE H. LEVITTMotion Relief from Co-Debtor StayOrder to be Submitted
SPECIALIZED LOAN SERVICING (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
885/27/2020 9:00 am20-10947 / MBKROBERT C NISENSON ESQMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
7/8/2020 9:00 am

-debtor to file motion to have 2 cases open EDC

5/26/20 - Per Parker McCay, the Ch. 7 is still open 16-13754. 2nd time filed a new case without closing the 7
5/26/20 - Doc #35 - Ex-Wife filed doc advising that debtor owes DSO which he appears to contest.

Trustee Obj
- Debtor must address if there is an active Ch 7 bankruptcy.
- $1,600 arrears as of 5/8/20.
- Need proof of homeowners insurance.
NO 341 MEETING DUE TO:
- Need 2018 tax returns.
- Need proof of income.
- Need P&L statements and Business Questionnaire.
- Need proof of motor vehicle insurance.
Matter ResolvedRequest
Adjourment
895/27/2020 9:00 am20-11107 / MBKGEORGETTE MILLERMotion Relief from Stay (Fee)Settled / Resolved
Debtor obj<>WSFS BANK (EISENBERG, GOLD & AGRAWAL)
Matter ResolvedRequest
Adjourment
905/27/2020 9:00 am20-11907 / MBKMarc C. Capone, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGranted
NEW REZ/PHH MTG
Matter ResolvedRequest
Adjourment
915/27/2020 9:00 am20-12057 / MBKEdward Hanratty, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
6/10/2020 9:00 am

(AMT: MP 5/27)<<>>

MTN SUSPEND PAYMENTS - Trustee limited obj to proposed order.
Matter ResolvedRequest
Adjourment
925/27/2020 9:00 am20-12841 / MBKSTEPHANIE RITIGSTEINMotion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO ALLOW FIRST MEETING VIA TELEPHONE--OK EDC
Matter ResolvedRequest
Adjourment
935/27/2020 9:00 am20-13690 / MBKRYAN L GENTILEMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
new conf is 8/4
-will contact Bud for 341

dismissed because no 341 appearance
-ready for 341 if get sp tax returns-bud to sch 341
Matter ResolvedRequest
Adjourment
945/27/2020 9:00 am20-13722 / MBKMOSHE ROTHENBERG, ESQNotice of Request for Loss MitigationContinued
7/8/2020 9:00 am

Select portfolio obj (Milstead)<> REQUEST FOR LOSS MITIGATION
Matter ResolvedRequest
Adjourment
955/27/2020 9:00 am20-14329 / MBKSTEPHANIE RITIGSTEINMotion Relief from Stay (Fee)Withdrawn
JAMIL FARCOQUI/LANDLORD (EHRLICH, PETRIELLO)
Matter ResolvedRequest
Adjourment
965/27/2020 9:00 am20-14443 / MBKRYAN L GENTILEMotion Relief from Stay (Fee)GrantedTotal Paid In: $1,794.00
CREDIT ACCEPTANCE (MORTON)
Matter ResolvedRequest
Adjourment
975/27/2020 9:00 am20-15234 / MBKPETER E ZIMNIS, ESQMotion Extend TimeConsent Order to be SubmittedTotal Paid In: $1,000.00
Lakeview obj (Stern & E)<>MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
985/27/2020 10:00 am17-17719 / MBKJOSEPH J MANIA III ESQConfirmation Hearing on Modified PlanContinued
6/2/2020 2:00 pm
Debtor has made 28 of 39 required payments   Arrears: $0  
Total Paid In: $33,111.00
AR ADJ PER CHAMBERS
5/13 workup for the 5/27 calendar
As of 5/12/20 (DS): Debtor attorney requested adjournment to date for motion to reconsider stay. Adjourned peremptory, no further adjournments, all parties must appear at next hearing, if not resolved.

As of 5/7/20 (DS): 1. BELOW ISSUES STILL NOT RESOLVED. MOTION TO REINSTATE WAS DENIED 4/28/20, BUT MOTION TO RECONSIDER MOTION TO REINSTATE STAY FILED 5/5/20, SCHEDULED 5/27/20.

As of 3/24/20 (DS): Debtor attorney requested adjournment to resolve all matters.

3/25/20 (DS): 1. Stay relief was granted to Wells Fargo, Motion to reinstate stay is on 3/25/20, need outcome.

2. Mod plan marks off post-petition claims not authorized to be paid, but propose to pay post-petition arrears for mortgage, does not list all arrears owed. Cannot tell how much is needed to pay on newest post-petition arrears.

3. Wells Fargo obj plan underfunded and fails to provide current post-petition arrears owed. Obj must be resolved.

4. Per judge rolling in post petition arrears may not be OK per 3/11 motion to reinstate. Needs to come up with money for creditor. EDC

MP Prop $1,201.76 x 27 Base - Increase payments to cover post petition mortgage arrears.
Matter ResolvedRequest
Adjourment
995/27/2020 10:00 am18-16545 / MBKTerry Tucker Confirmation Hearing on Modified PlanWithdrawnDebtor has made 15 of 27 required payments   Arrears: $0  
Total Paid In: $9,092.00
ATTY ADVISED 5/21/2020 THAT HE WAS GOING TO WITHDRAWN MODIFIED PLAN AND LET THE CASE DISMISS

issue as of 5/21/2020

1) Trustee COVID-19 objection filed -advised attorney to file the specific COVID certification FILED 5/6/2020 FILED
2) Mortgage company obtained stay vacate by Order dated 5/5/2020
Matter ResolvedRequest
Adjourment
1005/27/2020 10:00 am18-21726 / MBKCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 46 of 25 required payments   Arrears: $17.00  Total Paid In: $4,629.00
5/22/20(mk): - Atty ok with terms.sf

***REC. CONFIRM AT $4,444 PTD, THEN $101 x 37 Begin 6/1/20:Base; Must file amended B & D to list newly acquired auto and creditor Westlake Financial w/in 14 days***


1. IS West Lake Financial ,listed in Part 4f of MP, The creditor on new car . No amended D was filed?(Atty says YES- Will file
Amended D)-also B or G if lease)

2. Need clarification on amt. of atty fees. Motion for Comp (2,950)on 5/19/20.
we have hold on fees LM Order said 750 upon filing fee app. we pd 252.42on that. Bal 497.58. Looks like fee app includes
the LM motion time. ( Atty says total fee app included 750 so bal on hold of 497.58 should be deducted fromthe 2,950 leaving the bal to the atty of 2697.58.(2200 497.58)


MP proposes:189.22 x 22;101,12 x38:base. Plan has run 23 mos & 37 remain,
Matter ResolvedRequest
Adjourment
1015/27/2020 10:00 am18-24207 / MBKSTEVEN N. TAIEB, ESQ.Confirmation Hearing on Modified PlanConfirmedDebtor has made 19 of 24 required payments   Arrears: $1,462.00  Total Paid In: $29,290.00
ISSUES AS OF 5/27/2020 (DM):

***COVID-19 Cert filed and case was previously confirmed at 0% - TRUSTEE CAN RECOMMEND CONFIRMATION AT $27,740 PTD, THEN $1,500 x 54 STARTING 6/1/20, 0% PLAN, REMAINING TERMS OF CONFIRMATION APPLY***

1) Trustee COVID-19 obj filed - need proper evidence (DM).
-submitted two certifications, sent email to attorney to complete the COVID-19 certification on the Trustee website (RECEIVED).


Confirmed Case: $745 Ptd, $1,518 x 58 start 10/1/18, 0% Plan
Prop. MP: $26,240 Ptd, $1,500 x 63 start 5/1/20, 0% Plan
PTD = $27,740
Last Claim (8-1) dated 9/24/18
Matter ResolvedRequest
Adjourment
1025/27/2020 10:00 am18-33912 / MBKMAUREEN VELLAConfirmation Hearing on Modified PlanContinued
6/24/2020 10:00 am
Debtor has made 13 of 19 required payments   Arrears: $7,081.00  Total Paid In: $28,018.00
ISSUES AS OF 4/7/2020 (DM):

1) Trustee OBJ:
- The formal motion and order attached to the MP should be stricken.
- Need updated proof of income excluding rent agreement which is attached to MP.
- Need 2019 tax return.


Confirmed Case: $1,220 Ptd, $2,172 x 56 start 5/1/19, Base Plan
Prop. MP: Ptd, $1,269 x 47 start 3/1/20, Base Plan, Trial Mod received
PTD = $24,209
Last Claim (3-2) dated 3/4/19
Matter ResolvedRequest
Adjourment
1035/27/2020 10:00 am19-12655 / MBKEdward Hanratty, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 16 of 17 required payments   Arrears: $0  
Total Paid In: $56,550.00
5/18 workup EDC
mp $49550 PAID THEN 3500 X 42 BEG 6/1/20 PRO RATA
-Plan no longer 60 months
-house foreclosed

* plan denied on 1/14***PER MBK, FILE A MP BY 2/14/20*** NOT FILED UNTIL 4/23/20
* as of 1/14 PEREMPTORY TO RESOLVE OBJECTION
SAME AS OF 7/25/2019 (at):
1. Santander filed a secured arrears claim #3 in the amount of $756.73 which is not in the plan. Is it ok to pay this claim?
AR PER PER ATTY OK PAY
2. Motion for Prospective Relief filed by SLS which states that they were not notified of the bankruptcy until the bar date passed. They are requesting prospective relief or, in the alternative, additional time to file a proof of claim and objection to confirmation. Motion schedule for 12/3- $350k claim filed
-Hanratty also filed a motion to reduce SLS PO that is on for 1/8/20
3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
-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 $245000 in non exempt equity in real estate. Plan needs to be 100%.
AR OK ON TH AND 100%
- Full Power of Attorney document. (Sent 10/8)

Plan proposes: $3,500 x 60, base
Payments: 5/5
Matter ResolvedRequest
Adjourment
1045/27/2020 10:00 am19-14204 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/3/2020 10:00 am
Debtor has made 0 of 4 required payments   Arrears: $3,948.00  
joint admin with 20-12992 conf sched 6/3/20, order not yet provided. Debtor in arrears $1,316, no payments made out of 2.
Matter ResolvedRequest
Adjourment
1055/27/2020 10:00 am19-14899 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 16 of 16 required payments   Arrears: $0  
Total Paid In: $3,200.00
AR INFOPRMED ATTYS OF REQUESTED CHANGES
AS OF 5/18/20 (SF):

***If Trustee approves, RECOMMEND $2,800 PTD, $200 X 6 (BEGIN 6/1/20), THEN $152,667 x 1 (BEGIN 12/1/20), BASE PLAN W/MIN $141,000 TO GUCS PER EQUITY IN REAL ESTATE AND PERSONAL PROPERTY, SALE OF MCNEEL LANE PROPERTY OR REFI OF WALNUT ST PROPERTY BY 12/1/20; PROCEEDS OF $152,667 OR WHICHEVER IS GREATER TO BE TURNED OVER TO TRUSTEE BY 12/1/20; KOLIVER POC (7-1) AMENDED TO $250,000, CREDITOR TO RECEIVE $100,000 THRU PLAN (NEED AMENDED ORDER IN 30 DAYS); STRIKE TOWNSHIP OF FRANKFORD FROM THE PLAN AS THE CREDITOR DID NOT FILE A CLAIM ADD STUDENT LOANS OUTSIDE THE PLAN
ADD KOLIVER ORDER WI 14 DAYS

(Note: Need to do disbursement check before funds are disbursed. Also, need to know if plan should run 36 months or 60 months as this is an above median case.

- AR REIEW AND WORKOUT ORDER
- AR WAITING FOR PROPOSED ORDER

 5/7/2020 (DM) - Need copy of proposed order for work-up - email sent.

 4/22/20 Per MBK, OTBS by 5/13/20.

 4/17/20 - Travis is having trouble reaching his client - he will get back to me on Monday with status. (DM)

 3/11/20 - Travis (Kelly Firm) advised that CO should be in by the end of the week - ADJ to 4/22/20.

 3/5/2020 (DM): Need to see copy of proposed order for work-up.

 2/26/20 - AR PARTIES ADVISED RESOLVED BEING REVIEWED BY CLIENTS - NFA

 2/18/20 - Need resolution of Edward and Gabriela Koliver objection and motion to expunge their claim (AR, OTBS FOR CONF PURPOSES CLAIM EST AT 250,000 NON-DISCHARGE GUC, SALE BY 10/15/20, OUT OF SALE PROCEEDS 100K TO KOLIVER FROM SALE PAYABLE THROUGH PLAN).

1) Plan provides $1,677.32 priority treatment to Twp of Frankford - no POC filed (STRIKE?? - Yes)

2) Pingora Loan Svc (PHELAN) OBJs to confirmation (CONSENT ORDER ENTERED).

3) 109e issue - POC (7-1) filed in the amount of $5,540.605.21 (MOTION TO EXPUNGE PENDING - AR, UNLIQUIDATED).

4) Edward and Gabriela Koliver (The Kelly Firm) OBJs to confirmation (UNRESOLVED).

5) Trustee OB
Matter ResolvedRequest
Adjourment
1065/27/2020 10:00 am19-15516 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 8 of 16 required payments   Arrears: $408.00  Total Paid In: $1,575.00
5/21 AMT: HUD FORWARDED TO AUDIT<<<>>

AS OF 5/21/2020 (at):

RECOMMEND: $1,575 PAID TO DATE, $204 x 34 BEGINNING 6/1/2020, BASE $8,511
Claim number 15 filed by the NJ Division of Taxation will be paid through the plan.

1. Need a copy of the HUD from the sale of Creek Road. (RECEIVED 5/21/20 - DEBTOR RECEIVED $0.00)

MP proposes: $1,575 paid to date, $190 x 36 beginning 5/1/2020, base
Debtor has sold property located at 61 Creek Road, Brick, NJ 08724
part 1c: remove sale of 61 Creek Road, Brick, NJ 08724
part 4a: remove mortgage and condo from secured creditors
part 7a: remove liens on property
Matter ResolvedRequest
Adjourment
1075/27/2020 10:00 am19-16333 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 8 of 7 required payments   Arrears: $0  
Total Paid In: $10,906.00
ISSUES AS OF 5/20/2020 (DM): Updated 5/22/20 - Atty ok with terms.sf

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $1,358 x 60 STARTING 1/1/20, 100% PLAN WITH $46,136 MINIMUM DIVIDEND, PRE-CONFIRMATION CERT WITHIN 10 DAYS, STRIKE IRS PRIORITY PLAN TREATMENT; ADD TO CONFIRMING ORDER: COLLATERAL REFERENCED IN 2/5/20 STAY VACATE ORDER IS HEREBY SURRENDERED***

1) Plan provides $5,000 priority treatment to the IRS - no POC filed (STRIKE?? - Yes)

2) Freedom Mtg filed $2,599.74 arrears claim (OKAY TO PAY?? - Yes)

3) Nissan filed $265.86 arrears claim on 2018 Sentra lease (OKAY TO PAY?? - Yes)

4) Plan provides lease assumption treatment to Lincoln Automotive - stay vacated 2/5/20 (ADD SURRENDERED??)

5) Need a Chapter 13 Attorney Disclosure Statement (converted case) if fees are to be paid (FILED 4/6/20).

6) Trustee OBJ:

***BAR DATE HAS EXPIRED AND MINIMUM DIVIDEND IN THE PLAN IS SUFFICIENT TO PAY 100% WHICH CAN RESOLVE OBJECTIONS BELOW***

- Must file Pre-confirmation certificate (UNRESOLVED).
- Debtor has failed to file a MP that proposes a tier in month 17 when $265 car payment ends.
- Need 401k loan statement and proof of $558 monthly payment (RECEIVED - LOAN ENDS 5/1/22).
- Proof of income verifies higher - there is disposable income $2,523 per month.
- Excessive Expenses - Sch J: $610 car, $558 for 401k loan, $480 children's academic/extracurricular, and $2,900 spouses expenses.

- Excessive Expenses - Form 122c: Line #10 takes extra utility expenses $112; Line #16 taxes $2,959.69 does not agree with Sch I taxes $2,564.24. Proof of income has $2,733.29; Line #30 additional food and clothing expense $88; Line #31 takes continuing charitable contribution $200 - none listed on recently amended Sch J; Line #35 Priority $5,944 - plan has $5,000; 2018 taxes owed $3,856 - no claim filed yet; Line #40 support payments $150 - none listed on Sch I or J; Line #45 shows disposable income $26 - if adding back all the excessive expenses, estimated disposable income is $1,946.40 p
Matter ResolvedRequest
Adjourment
1085/27/2020 10:00 am19-17248 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanDeniedDebtor has made 9 of 15 required payments   Arrears: $1,321.00  Total Paid In: $5,312.00
ISSUES AS OF 5/20/2020 (DM): - Per atty, ok to deny plan. Need to file motion for other vehicle.

1) Trustee OBJ:
- Supplemental attorney fees added and reduced monthly Trustee will result in the failure to satisfy the 18-month prompt cure to the landlord, Erik & Amy Hall (UNRESOLVED).
- The MP lacks feasibility. Plan payments will not satisfy all priority and secured claims (UNRESOLVED).


Confirmed Case: $2,744 Ptd, $544 x 10, $580 x 42 start 11/1/20, 0% Plan
Prop. MP: Ptd, $380 x 48 start 5/1/20, 0% Plan
PTD = $4,712
Last Claim (17-1) dated 12/4/19
Matter ResolvedRequest
Adjourment
1095/27/2020 10:00 am19-19651 / MBKJohn J. Hopkins IIIConfirmation Hearing ScheduledContinued
6/2/2020 2:00 pm
Debtor has made 4 of 14 required payments   Arrears: $162.00  
AS OF 5/22/20 (SF)

1. Objection filed by American Credit Acceptance (Morton) - to cram and 910 claim. (STAY VACATED)

2. Supp Objection to modified plan filed by Arianna Holding Company (Keith Bonchi) - 237 Joline Ave is not property of debtors' estate. There was a tax sale on 8/8/18. Proposed amount to pay Ariianna in plan is incorrect and creditor requests adequate protection payments until Adv. is concluded.

3. Adv. proceeding scheduled for 8/12/20 at 10. Basile v. Arianna Holding - Judge to reserve decision

4. Motion to Reclassify American Credit Acceptance claim to guc 5/5/20 (Stay Vacated) - OTBS (NEED ORDER)

5. Bob's Discount Furniture filed bifurcated claim 7-1, $428.35 is secured and $596.27 is unsecured. Arrears are $1024.62. (How should claim be paid?).

6. Trustee objection:
- Proof of 2 month's income - only provided 2 paystubs, does not equal scheduled income. NEED stubs for June & July 2019 - 3 more pay stubs provided. Income is negative ($376.30)
-There is non-exempt equity in real estate of $51,168.37. (PLAN WILL REQUIRE 100%)

Plan proposes $99.68 x 60
Payments: 11/12 Arrears: $92.30

RESOLVED ISSUES:
- A copy of the last filed tax return - 2018 (RECEIVED)
- Amendments to Schedules Schedule C to use proper exemption for real property
- The debtor has undertaken an improper use of exemption. Specifically: -Michael cannot
use (d)(1) objection as he is not in title to the property Michelle inherited. The Deed is to Michelle only.
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Matter ResolvedRequest
Adjourment
1105/27/2020 10:00 am19-20962 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 14 required payments   Arrears: $1,041.00  Total Paid In: $4,353.00
AR RESOLVE OR HOLD
ISSUES AS OF 5/20/2020 (DM): Updated 5/26/20

***April and May payment were made by the Debtor as requested. Trustee received a response from Phelan regarding the Loan Mod status and can therefore RECOMMEND CONFIRMATION AT $3,312 PTD, THEN $1,041 x 48 STARTING 6/1/20, 100% PLAN WITH $62,408 MINIMUM DIVIDEND PRESERVED, LOAN MOD WITH INVESTORS BANK BY 8/1/20, NO PAYMENT OR RESERVE BY TRUSTEE PENDING THE LOAN MOD, OTBS WITH INVESTORS BANK WITHIN 30 DAYS; ADD TO THE CONFIRMING ORDER: TRUSTEE IS AUTHORIZED TO PAY IRS POC (7-3) AS FILED***

 5/22/20 - Stern Lav can't resolve Investors/Cenlar objection - Rob Davidow (PHELAN) responded and informed debtor's counsel the status of the Loan Mod.

 3/11/20 - ADJ TO 5/27/20 PEREMPTORY FOR DEBTOR TO DEMONSTRATE HE CAN MAKE APRIL AND MAY HIGHER PAYMENT AT $1,038 PER MONTH.

 1/22/20 - Adj to 3/11/20 for debtor to get contribution and make a higher payment in Feb to show feasibility.

 1/22/20 Recommendation: Debtor must pay 100% based upon $58,183 non-exempt equity in real estate and only $40,385 unsecured claims filed. The Debtor is only showing $152 in monthly disposable income and plan payments need to increase to $966 to pay 100% - RECOMMEND DISMISSAL FOR LACK OF FEASIBILITY.

 12/17/19 - MBK adj to 1/22/20 peremptory.

1) IRS filed $2,524.47 amended priority claim not treated in the MP (OKAY TO ADD??)

2) Atty Disclosure ($3,250) and fee thru the MP ($0) do not match (MP CORRECTS).

3) Investors Bank (PHELAN) OBJs - $42,201.14 arrears (UNRESOLVED - Spivack does not want adjournment b/c debtor owes Dec thru March post-petition).

4) Cenlar/Citimortgage aka Investors Bank (STERN L) OBJs to treatment of claim in the MP (PHELAN MUST RESOLVE OBJ).

5) Trustee OBJ:
- Need a copy of 2018 tax return (RECEIVED).
- There is $76,997 in nonexempt equity in real estate (ADJUSTED TO $58,183 BASED UPON HIGHER CLAIMS FILED).
- Must resolve IRS estimated claim (NO LONGER ESTIMATED).
- Must file pre conf cert (FILED).
Matter ResolvedRequest
Adjourment
1115/27/2020 10:00 am19-25096 / MBKWARREN LEVYConfirmation Hearing ScheduledContinued
6/2/2020 3:00 pm
Debtor has made 7 of 11 required payments   Arrears: $3,200.00  
AR RESOLVE OR HOLD
5/8 workup for the 5/27 calendar EDC
Motion to Expunge/Modify claim US Bank on 4/14/20. (ADJ TO 4/28 Needs resolution) NFA
---- minimum of $1344 to unsecured (FYI this is the 8% proposed in the plan)
--need amended disclosure that says fees to be paid through the plan in 10 days

nfa As of 11/6/19 (DS): 1. Trustee obj the plan needs to be amended to pro rata.

2. Santander obj resolved
3. US Bank/Rushmore obj POC filed $40,496.35, plan has $27,512.03. Arrears a lot more higher, ok to pay?
-$4750 attorney fees in plan. Plan says to pay Humphries and new counsel needs to get an order allowing us to pay him instead of old attorney


Prop Plan $800 x 60 8% to gucs
Matter ResolvedRequest
Adjourment
1125/27/2020 10:00 am19-25907 / MBKEric ClaymanConfirmation Hearing on Modified PlanDismissedDebtor has made 3 of 11 required payments   Arrears: $0  
Total Paid In: $2,908.00
debtor deceased
issues as of 5/20/2020

1) Need to file COVID-19 certification with supporting documentation
Matter ResolvedRequest
Adjourment
1135/27/2020 10:00 am19-25952 / MBKGeorge E Veitengruber IIIConfirmation Hearing ScheduledConfirmedDebtor has made 9 of 11 required payments   Arrears: $3,599.00  Total Paid In: $16,322.00
ISSUES AS OF 5/20/2020 (DM): - Atty ok with terms.sf

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $16,322 PTD, THEN $1,811 x 51 STARTING 6/1/20, BASE PLAN; ADD TO CONFIRMING ORDER: TRUSTEE IS AUTHORIZED TO PAY STATE OF NJ SECURED/PRIORITY POC (3-2), AND TRUSTEE IS AUTHORIZED TO PAY NEW REZ $23,059.16 ARREARS POC (5-1)***

 5/13/20 - Adj to send all money to get current and resolve NJ or D EDC

1) State of NJ filed $9,205.11 priority claim that includes estimated taxes for 2018 (AMENDED).

2) State of NJ filed $2,503.20 secured claim not treated in the plan (OKAY TO PAY??)

3) State of NJ filed $10,274.97 unsecured claim that includes estimated taxes for 2012 (AMENDED).

4) US Bank (PHELAN) OBJs - $52,989.21 arrears (CONSENT ORDER ENTERED).

5) Trustee objection to confirmation - RESOLVED (JA).


Prop. Plan $1,811 x 60, Base Plan
PTD 9/9 = $16,322
Last Claim (3-2)
Matter ResolvedRequest
Adjourment
1145/27/2020 10:00 am19-26088 / MBKSTACEY L MULLEN, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 8 of 11 required payments   Arrears: $947.00  Total Paid In: $8,173.00
as of 5/20/2020

***Ok to confirm at $7,082 paid to date $1,019x51 begin 6/1/2020 100% plan

proposed plan $807x51 begin 5/1/2020
paid in $7082
51 months to go
no objections
Matter ResolvedRequest
Adjourment
1155/27/2020 10:00 am19-27044 / MBKJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 9 of 10 required payments   Arrears: $900.00  Total Paid In: $8,100.00
AS OF 5/26/20 (SF) UPDATED -

RECOMMEND $900 X 60 (BEGIN 10/1/19) BASE PLAN; PLUS N/E PROCEEDS FROM SALE BY 10/31/20
- PAY ARREARS TO WELLS FARGO AND SPECIALIZED LOAN PENDING SALE
- OK TO PAY STATE OF NJ CLAIM 6-1
- OK TO PAY IRS SECURED CLAIM 1-2
- HOURLY FEES: $5600 EST TO BE PAID THRU PLAN. MUST FILE FEE APPLICATION WITHIN 7 DAYS OF CONF ORDER
- LOW BASE
- STRIKE LOAN MOD PROVISION FROM PLAN

1. Objection filed by Wells Fargo to modified plan (Powers) - failure to pay arrears; speculative sale/loan mod; feasibility. (MUST RESOLVE) **Creditor atty is waiting for approval of order by her client.**

2. Trustee objection:
The debtor has insufficient income Verifiable income leaves a monthly net balance of -$125.87.(mk:per atty-debtor is current)
- Need Income contribution affidavit(mk:per atty-not rec'd from adult son)
- Debtor's attorney must file a fee application within 7 days of the entry of the confirming order.(Mk;Atty agrees).

Plan proposes $900 x 60 Base, Sale or loan mod by 10/31/20
Payments: 8/8 Arrears:



RESOLVED ISSUES:
- Objection filed by Ada Green (Abelson) - Plan not filed in good faith as required by 11 U.S.C. ?
1325(a)(3) AND (7) as debtor seeks to cure mortgage arrears to property which was ordered to be sold by Superior Court in 2016 and is improperly using the provisions of Chapter 13 to Avoid Court ordered obligations. (RESOLVED VIA ORDER - PROPERTY TO BE SOLD NO LATER THAN 10/31/20)

- State of NJ filed priority claim 6-1 for $78.42 (OK TO PAY?)mk-per Atty YES PAY.

- State of NJ filed secured claim 6-2 for $4222.82 (OK TO PAY?)mk-per atty -YES PAY

- A copy of the last filed tax return - 2018(mk;per atty-will upload)
- Need property settlement agreement showing if ex wife has interest in the home(mk:per atty says see objection of Ada Green-support Exhibit doc #23.)
- Need to file Pre-Confirmation Certification.(mk:per atty-will file).
- Need a statement for the ADP stock shares. (RECEIVED)
- Objection filed by Specialized Loa
Matter ResolvedRequest
Adjourment
1165/27/2020 10:00 am19-27132 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 10 required payments   Arrears: $1,250.00  Total Paid In: $7,914.00
ISSUES AS OF 5/22/2020 (DM): Email sent to atty 5/21/20 & 5/22/20 (RECEIVED CAR LEASE AGREEMENT)

 DM to adjourn to 5/27/20 at the terms below if he receives non-debtor spouse $377 car lease statement (screenshot not good enough - RECEIVED COPY OF CAR LEASE AGREEMENT ON 5/22/20)

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

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

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

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

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

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

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

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

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

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

5) Di
Matter ResolvedRequest
Adjourment
1175/27/2020 10:00 am19-27257 / MBKPETER E ZIMNIS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 1 of 10 required payments   Arrears: $2,290.00  Total Paid In: $1,800.00
RESOLVE OR HOLD - Atty ok with terms.sf
ISSUES AS OF 5/22/2020 (DM):

***Received the last pay stub in April for non-debtor spouse. FOR SETTLEMENT PURPOSES, TRUSTEE CAN COMPROMISE AND RECOMMEND CONFIRMATION AT $1,600 PTD, THEN $1,245 x 52 STARTING 6/1/20, BASE PLAN, PLUS ALL NON-EXEMPT PROCEEDS FROM ACCOUNTS RECEIVABLE; ADD TO THE CONFIRMING ORDER: DEBTOR MUST IMMEDIATELY AMEND SCHEDULE I IF ANY INCOME IS GENERATED BY NOLANS HOME REMODELING (Note - debtor will need to provide a Certification at the end of the case regarding accounts receivable collections)***

 3/11/20 - ADJ to 5/27/20 - atty to email DM to advise if income will be calculated per I&J or Form 22c.

1) Nationstar (McCalla) OBJs - creditor has a secured claim on property located in Escondido, CA not treated in the plan - last 4 digits of SSN match the party to the transaction (OBJ WITHDRAWN).

2) Trustee OBJ:
- Excessive Expenses Sch J: RV $506, RV insurance $75, Trailer $190, life insurance $358 and car $673. Also appear to have liens on 2 dirt bikes as creditor, Freedom Financial is listed in plan as current on the bikes. No monthly amounts on Sch J for these bikes and Trustee objects to paying these monthly amounts absent 100% dividend to unsecured creditors.

- According to proof of income for Debtor, the Debtor has been working since June 2019 (3 months), not 1 month from 9/7/19 filing. Form 22c fails to add Debtor's gross income on Line 2 as $8,834.28, per latest pay stub provided year to date 9/20/19. Debtor Income $8,834.28 plus Co-Debtor income $9,032 total gross is $17,866.28 minus deductions on Line #44 in the amount of $10,440.60 would be disposable income of $7,425.68, which would require minimum dividend $445,540.80 to gucs (DEBTOR 6-MONTH GROSS INCOME WAS CALCULATED CORRECTLY BASED UPON JULY PAY STUB RECEIVED, HOWEVER NON-DEBTOR SPOUSE 6-MONTH GROSS INCOME APPEARS TO BE UNDERREPORTED BASED UPON THE DOCUMENTS RECEIVED. FORM 122c AS FILED HAS $581 DISPOSABLE INCOME OR $34,860 MINIMUM DIVI
Matter ResolvedRequest
Adjourment
1195/27/2020 10:00 am19-27653 / MBKROBERT H JOHNSONConfirmation Hearing ScheduledConfirmedDebtor has made 8 of 10 required payments   Arrears: $2,000.00  Total Paid In: $8,000.00
AR RESOLVE OR HOLD - Atty ok with terms.sf

5/14 workup for the 5/27 calendar
NFA
SAME AS MARCH. EITHER CONF OR D. Still no amended service so will remove from plan and attorney is free to file a motion. If 100% trustee obj resolved.

***Can Confirm at: $8000 paid then 1000 x 52 remaining- 100% beg 6/1/20---REMOVE JERSEY CENTRAL FCU CRAM LANGUAGE FROM THE PLAN
-USE TRUSTEE ORDER OF DISTR---THE PLAN REQUIRES A 100% DIVIDEND PURSUANT TO THE 22C

>>Trustee objection:

-Need a statement for the Jersey Central FCU bank account. Need a statement for the
debtor's 457 loan.
-Amendments to Schedules : Amend Form 122c to remove $814 in monthly DSO
expense.(DONE-There is now $1433 in disposable under 22C-needs 100%)
-Verified income leaves a monthly net balance of $1,871.38.
-Need proof of service on Jersey Central FCU for cram down of 2016 GMC Acadia.(Served Peter Liska Esq. but he did not file a notice of appearance. Need to serve Jersey Central)(NOT DONE WILL REMOVE FROM PLAN)
-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 A current market analysis - that is less than a year old.(DONE OK)

1,000/60, BASE
Matter ResolvedRequest
Adjourment
1205/27/2020 10:00 am19-27709 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 9 of 10 required payments   Arrears: $582.00  Total Paid In: $5,190.00
5/14 workup for the 5/27 calendar EDC
***CAN CONF at : $4026 paid then 582 x 43 remaining beg 6/1/20- 0%--pay Wells Fargo per order submitted

***PER AR, ATTY TO SUBMITS MORTON'S OWN ORDER UNDER THE 7 DAY RULE - ADJ TO 5/27/20***
4/24 Workup from the 4/28 calendar EDC
-Still need Mortons order from last time to confirm. Last issue.

1. Objection filed by Wells Fargo Bank (Morton) - Vehicle is undervalued and plan fails to pay adequate protection payment. (OTBS)
2. Objection filed by Round Point Mortgage (Schiller, Knapp) - plan fails to cure arrears of $4,025.46. Plan lists creditor as unaffected. (PAY PER POC)
3. Trustee's objection:(RESOLVED)

The debtor has failed to supply the Trustee with the following document(s):
- needs updated auto insurance. What was provided has expired. (RECEIVED)

Plan proposes: $582 x 36, $0 to guc's
Payments: 3/4, arrears $582
Matter ResolvedRequest
Adjourment
1215/27/2020 10:00 am19-27775 / MBKEUGENE ROTH, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 8 of 10 required payments   Arrears: $706.00  Total Paid In: $2,824.00
5/29 amt: filed status change form to correct tier begin date from 11/1/19 to 10/1/19<<<>>>

5/18 workup for the 5/27 calendar EDC - 2019 Return received on 5/22/20

353 x 36 beg 11/1/19-pro rata-LM by 8/30/20-trustee to not pay IRS or NJ priority unless claim filed-student loans outside-A copy of the last filed tax return - 2019 by 8/15/20

1. Objection filed by Deutsche Bank (RAS Crane) - failure to cure arrears of $66,599.61. (RESOLVED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for debtor for Jan- March 2020. (RECEIVED)
- A copy of the last filed tax return - 2019 by 5/30/20. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Sch.J has NT apt. rent of $1087- Needs proof. (RECEIVED-OK income lower)
-----------------------------
- A copy of the homeowner's insurance renewal declaration - for Trenton property. None provided. PLan surrenders but need insurance proof til confirmation. (RECEIVED)
- updated auto insurance. What was provided has expired. (RECEIVED)
- Income contribution affidavit (NOT RECEIVED)--need proof of the $500 household contribution (NOT RECEIVED)
- No proof of service on lien strip of E Tek Capital, LLC United One Equity. (CERT OF SERVICE FILED 4/17/20)
- must address objection by Deutsche bank. (RESOLVED)
-student loans to be paid outside. (LANGUAGE ADDED)
-need proof of lien by E Tek Capital on Bradley beach property unless they file a claim. (proof of service OK)


Plan proposes: $353 x 36, base, loan mod within 6 months of confirmation
Payments: 5/7, arrears $706
Matter ResolvedRequest
Adjourment
1225/27/2020 10:00 am19-28092 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 9 of 10 required payments   Arrears: $0  

ISSUES AS OF 5/20/2020 (DM): - PER ATTY OK TO DISMISS/HOLD FEES

***Debtor will need $324 going forward if US Bank allows debtor to cure post-petition arrears through plan and pre-petition arrears through a potential Loan Mod***

1) MFR by US Bank - 1st mtg (McCalla Raymer) - scheduled for 4/28/2020 (COTBS ADDS PP ARREARS).

2) US Bank - 1st mtg (RAS Crane) OBJs - $57,567.29 arrears (UNRESOLVED).

3) Bank of America - 2nd mtg (STERN E) OBJs - $4,622.18 arrears not treated in plan (UNRESOLVED).

4) Trustee OBJ:
- Need a copy of homeowners insurance renewal declaration (RECEIVED).
- There is equity of $75,150 in the residence and $6,000 in the savings account (100% PLAN & NO GUC CLAIMS FILED).
- Need Pre-Confirmation Certification (FILED).


Prop. Plan $150 x 60, 100% Plan, Loan Mod by 3/1/20
PTD 8/8= $1,200
Last Claim (3-1)
Matter ResolvedRequest
Adjourment
1235/27/2020 10:00 am19-28226 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing - Order Vacate Dismissal of CaseConfirmedDebtor has made 6 of 10 required payments   Arrears: $888.00  Total Paid In: $5,736.00
UPDATED 5/21/2020

***TO RESOLVE TRUSTEE OBJECTION NEED TO CONFIRM AT $4848 PAID TO DATE, $888X52 BEGIN 6/1/2020 0% PLAN
issues as of 5/20/2020
-Trustee to Strike Part 4a as to Trenton Water Works as creditor filed an unsecured claim
-plan to follow Trustee standard order of distribution


1) Legacy Mortgage Asset Trust (Parker) objection to confirmation - RESOLVED CONSENT ORDER 11/14/2019
-arrears $40,224.84
2) Trustee objection to confirmation - need to resolve
-the debtor's plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution does not provide for equal monthly payments as required by 1325(a)(5)(iii)(l) ADD NOTE TO CONFIRMING ORDER
3) Trenton Water Works filed an unsecured claim the Trustee recommends striking Part 4a of plan as it relates to Trenton Water Works -ATTY AGREES TO STRIKE THIS PLAN PROVISION

proposed plan $808x60 0%
paid in $4848
arrears $1616
last claim 4-1
RESOLVED ISSUES:
-need proof of auto insurance for both vehicles PROVIDED, RESOLVED
Matter ResolvedRequest
Adjourment
1245/27/2020 10:00 am19-28313 / MBKBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledConfirmedDebtor has made 6 of 10 required payments   Arrears: $0  
Total Paid In: $7,812.00
Have agreement with Aspire can confirm at:

$5000 paid then $1406 x 52 beg. 6/1/20-OTBS with Aspire in 15 days-trustee to pay $50,000 of claim as guc the remaining guc of Aspire will not be paid by trustee- -order will deem a portion of the unsecured total to Aspire to not be included in 109(e) review-all other guc claims paid at 100% (min $158,415 due to equity)

AS OF 5/22/20 (SF)

1. Objection filed by Aspire FCU (Rodman Honecker) - objects to surrender of NYC yellow taxicab medallion because debtor does not own it. It is owned by his corporation. Also objects to surrender in full satisfaction. (Creditor states that claim is unsecured but the claim is filed as secured and unsecured. May need to amend claim.) If the claim is unsecured, there will be a 109(e) issue.

2. M&T Bank filed arrears claim 2-1 for $300.56 which is not addressed in plan (OK TO PAY?)

3. Trustee objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Car insurance is on the P&L and Schedule J
- Fuel and Maintenance/repairs are on the P&L and Schedule J
- $710/month for food for a household of two $281/month for miscellaneous
- Verified income leaves a monthly net balance of $626.80.
- There is $144,892.25 in non exempt equity in the residence.
- There is $13,523 in non exempt equity in his bank accounts.
- Need a copy of the HUD for the Carteret property sold in 2017 (RECEIVED - DEBTOR RECEIVED $167,987.93 FROM SALE)

4. Wells Fargo Bank filed late claim with zero arrears (OK TO ALLOW CLAIM?)

Note: The proposed plan will pay creditors at 100%

Plan proposes $625 x 36 Base
Payments: 8/8
Matter ResolvedRequest
Adjourment
1255/27/2020 10:00 am19-28529 / MBKEdward Hanratty, Esq.Confirmation Hearing on Modified PlanContinued
6/2/2020 10:00 am
Debtor has made 9 of 10 required payments   Arrears: $0  

either converted by 6/2 or D

5/27/20 - Per atty, case will be converted to Chapter 7.sf

>>5/26/20(mk): Checked w/ J. Schwalb today on status of LM -was told debtor atty has med'l issues but communicated that debtor will not be accepting the loan mod and will be surrendering the collateral either by modified plan or conversion to chapter 7"

AR RESOLVE OR HOLD
5/16/20(mk):

>>> NEED TO KNOW IF DEBTORS ACCEPTED NEW TRIAL LOAN MOD> IF YES AMENDED J NO LONGER VALID AND PLAN IS NOT FEASIBLE<<

1. Motion to Extend/Alter/Clarify terms Of LM Trial Period on for 5/6/20. SAYS OTBS-WHAT ARE TERMS?
>asked J. Schwalb for status:Terms =Debtor to be re-reviewed with the updated income (which SN did).
-New trial mod offer, which debtor would have to immediately make payments on or a denial would be issued and we can the move for stay relief. (mk: new trial LM is for 9 mos begin 6/1/20. TL payment is $4,939.26. Final Payment 2/1/21.Agmt has to be signed & returned by
5/20/20. note : if accepted by debtors, this TL payment is $4,939.26. Amended J has mtg payment $2,378.19. The difference is $2,561.07. This Payment ,if accepted by debtors will caused expense total (if left as is)on amended J to be $9582.26 and the plan will not be feasible .


2. Objection by SN Servicing/US Bank(Friedman Vartolo):MP Still Seeking LM-Needs to resolve obj.
-plan modifies rights- no pay arrears. Says debtors were offered Trial Lm for potential LM in Feb. That was subject of the motion in #1.
Debtors submitted several different income docs. Debtors requested re review of LM based on recent income & New trial loan mod was sent to debtor.(see #1) If no resolution if this new TLM meaning if not accepted by debtors, LM will be denied.

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

4. Late Secured claim filed by New Century Fin on a J'ment.- MP Strips Judgment.

5. Trustee objection: To MP & amended I & J, 122c
-plan has excessive expenses
Matter ResolvedRequest
Adjourment
1265/27/2020 10:00 am19-28773 / MBKJOHN ZIMNIS, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 6 of 9 required payments   Arrears: $3,672.00  Total Paid In: $11,836.00
AS OF 5/26/20 (at):

RECOMMEND: $11,836 PAID TO DATE, $1,836 x 77 BEGINNING 6/1/2020, BASE
NON-EXEMPT PROCEEDS FROM PERSONAL INJURY CASE ARE TO BE TURNED OVER TO THE TRUSTEE

Need to add non-exempt proceeds from personal injury case to be turned over to trustee.

1. Need updated proof of income for the Debtor. (only received 3 p/s for co-debtor) (5/22/20 - PER E-MAIL FROM DEBTOR ATTORNEY, DEBTOR HAS NO INCOME DUE TO CORONA)

2. Need amended and I and J. (AMENDED SCHEDULES FILED)

MP proposes: $11,836 paid to date through March, 2020, $1,836 x 79 beginning April, 2020, base
Loss of income due to Covid 19 outbreak. Increases the number of months of the Chapter 13 Plan
Payments: 5/7, arrears $5,736 (no payments since 3/30/20)
Matter ResolvedRequest
Adjourment
1275/27/2020 10:00 am19-29097 / MBKANDRE L KYDALA ESQConfirmation Hearing ScheduledContinued
8/4/2020 10:00 am
Debtor has made 0 of 9 required payments   Arrears: $19,800.00  
ADJ PEREMPTORY
As of 5/22/20 (DS): Debtor attorney requested adjournment, Debtor to return to work in June, after having surgery, allow time to provide updated income and amend Schedules.

As of 5/19/20 (DS): 1. Debtor in arrears $15,200, made 1 out of 7 payments, Plan Section 1 propose $100 x 36, but then Section 10 propose tier payments $2,300 x 59, lump sum payment $25,000.

2. Trustee obj to the following:
- Need Sept and Oct bank statements for all bank accounts and 2019 tax return, if return not filed, will need no later than 8/15/20.
- Amendments to Schedules to remove Aamco settlement and closed businesses from the petition.
- Schedules fail to account for the debtor(s) tax refund in the amount of $15,456.00
when determining disposable income.
- Must file Pre-Confirmation Certification.
- Must resolve objections by Provident Bank and Loancare.

3. Provident Bank obj to loan mod, arrears not paid and bot feasible, due to income. Obj must be resolved.

4. Loancare obj to loan mod, arrears not paid and not feasible. Obj must be resolved.

Prop Plan $100 x 36 or $2,300 x 59; $25,000 X 1 BASE AND LOAN MOD ON HUNT DR BY 11/2020 ????
Matter ResolvedRequest
Adjourment
1285/27/2020 10:00 am19-29295 / MBKJACQUELINE R ROCCI ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 8 of 9 required payments   Arrears: $1,660.00  Total Paid In: $13,280.00
ISSUES AS OF OF 5/20/2020 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $1,660 x 60 STARTING 11/1/19, BASE PLAN, PRE-CONFIRMATION CERTIFICATION WITHIN 10 DAYS***

1) Freedom Mtg (PHELAN) OBJs - $10,601.29 arrears (MP PAYS).

2) MP proposes cram of Toyota Motor Credit on 2012 Honda Odyssey - not served (FILED).

3) Trustee OBJ:
- Need Merrill Lynch Brokerage Savings Acct statements for Sept & Oct (RECEIVED).
- Excessive Expenses - Form 122c: Line #22 for $106 additional health care expenses.
- Disposable income per Form 122c, Line #45 as adjusted will require a min div to gucs.
- Disposable income verifies higher at $2,048 due to debtors bonus of $5,000 pro rated over 12 months.
- There is $3,668.83 non exempt equity in 2012 Honda Odyssey.
- Need an updated CMA - too old (RECEIVED).
- Need a MP that pays student loans outside the plan (AMENDED SCH J REMOVES STUDENT LOAN EXPENSE).
- Need to file Pre Confirmation Certification (UNRESOLVED).


Prop. plan $1,660 x 5, $1,650 x 55, Base Plan
PTD 7/7 = $11,620
Last Claim (12-1)
Matter ResolvedRequest
Adjourment
1295/27/2020 10:00 am19-29731 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/22/2020 10:00 am
Debtor has made 8 of 9 required payments   Arrears: $714.00  
AR RESOLVE OR HOLD
5/15 workup for the 5/27 calendar EDC
* Need to resolve NJ for confirmation

1) NJ Division of Taxation priority and general unsecured claim 16 are estimated for failure to file tax returns
2) Wells Fargo Bank filed claim 11 of which $5,319.54 is secured and $1.549.88 unsecured - claim is to either be paid in full through plan or move against the claim(DONE AMENDED TO 0)

ISSUES RESOLVED:
1) ARC Home LLC (Sarah McCaffery,esq) objection to confirmation RESOLVED, PAY ARREARS PER FILED CLAIM ORDER DATED 1/4/2020
2) Trustee objection to confirmation - RESOLVED
-debtors not paying all disposable income into the plan. Per 122C Line 45 - Disposable income of $1569.85 requires min.div. of 94,191 to gucs. ORIGINAL FORM ONLY LISTED FAMILY OF 2, THEY HAVE 3 CHILDREN PER TAX RETURN AND SCHEDULE J - CASE IS BELOW MEDIAN WITH NO MINIMUM DIVIDEND TO GENERAL UNSECURED CREDITORS
- no proof of service provided for M&T Credit Services and Ally Financial. RESOLVED, CERTIFICATION OF SERVICE FILED
-Disclosure Statement and plan do not match. Plan shows $4160 due and disclosure has $4260. AMENDED DISCLOSURE FILED

Proposed plan:714 x 60,0%.
paid in $2856
arrears $714
last claim: 16-1
Matter ResolvedRequest
Adjourment
1305/27/2020 10:00 am19-29986 / MBKLEE M PERLMAN, ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 7 of 9 required payments   Arrears: $0  

ISSUES AS OF 5/21/2020 (DM):

***The Debtor's plan is no longer feasible - RECOMMEND DISMISSAL***

 5/8/20 - The NJ Supreme Court denied the Petition for Certification - see MFR Supplemental Certification.

 2/3/20 - DEBTOR WAS DENIED APPEAL DUE TO LACK OF SUFFICIENT MERIT TO WARRANT DISCUSSION IN A WRITTEN OPINION. HOWEVER, LETTER FROM ATTORNEY STATES THAT DEBTOR REQUESTED THAT A PETITION FOR CERTIFICATION BE FILED WITH THE NJ SUPREME COURT AND EXPECTS A DECISION ON THE PETITION WITHIN 60 DAYS.

1) The Bank of NY Mellon (PLUESE) OBJs - State Appellate Division ruling must be resolved, which is in Chancery Court (UNRESOLVED).

2) Trustee OBJ:
- Need status of action in appellate court and appoint special counsel.
- Case needs to be a base, due to PI lawsuit.


Prop. Plan $500 x 36, 0% Plan
PTD 7/7 = $3,500
Last Claim (4-1)
Matter ResolvedRequest
Adjourment
1315/27/2020 10:00 am19-30028 / MBKDavid C. Russo Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 9 required payments   Arrears: $1,668.00  Total Paid In: $3,776.00
AR RESOLVE OR HOLD
ISSUES AS OF 5/21/2020 (DM): Nothing has changed since 5/13/20 Court date.

 Updated 5/13/20 during Court after work-up requested.

***Schedules I&J amended, non-debtor spouse is now collecting unemployment. Amended schedules are still showing $1,047 in monthly disposable income. Additionally, atty has failed to serve the cram on Valley National Bank. TRUSTEE TO RECOMMEND CONFIRMATION AT $3,304 PTD, THEN $1,070 x 53 STARTING 6/1/20, BASE PLAN, TRUSTEE STANDARD ORDER OF DISTRIBUTION, STRIKE PLAN TREATMENT OF VALLEY NATIONAL BANK (VNB), TRUSTEE TO SET UP A RESERVE CLAIM FOR VNB AND DEBTOR TO FILE SEPARATE CRAM MOTION WITHIN 30 DAYS***

1) Trustee OBJ:
 Disposable income verifies $1,268 - disposable is $1,047 per amended schedules filed.
 Need service to Valley National Bank cram (UNRESOLVED).
 Need Trustee standard order of distribution.
- Must amend Form 122c - form is blank (FILED).
- Proof of expense for daycare shows Debtor pays $1349.50, not $1410.

Note: Auto insurance and pension loan statement provided.


Prop. Plan $472 x 60, Base
PTD 7/7 = $3,304
Last Claim (8-1)
Matter ResolvedRequest
Adjourment
1325/27/2020 10:00 am19-30329 / MBKROBERT C NISENSON ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 9 required payments   Arrears: $375.00  Total Paid In: $1,677.00
Confirm at $1,302 paid, $375 x 53 begin 6/1/20 100% to gucs due to non-exempt equity $9,799 on real property, Plus sale of Fela Ave by 3/1/21 and non-exempt proceeds from sale-per att otbs with Wells but need terms re: sale date EDC-PER AR 3/1/21 ADD OTBS ATLANTIC CITY WI 30 DAYS

5/19 workup for the 5/27 calendar previous MP denied

* MP proposes $1000 PTD; $302 X 52 BEG 5/20; SALE 9MO AFTER CONF (1491 FELA AV); 100%-NE Equity in RE of $53,299

* obj to MP filed by Wells Fargo to not paying pre pet arrears and 9 months to sell-plan proposes ad prot and pay post pet arrears pending sale---can confirm if this resolved
OTBS WELLS PAY POST PET DIRECT SALE BY 3-1-21
OTBS CITY AC SURREDER PTY

------------------------
-City of AC filed a late claim for $202,683 for tax sale certificates-needs resolution--(SURR)
-( Preserve the NE Equity in RE of $53,299.51); Sale of 1491 Fela Ave. By 7/30/20;Trustee is Not Authorized to Pay arrears claim #2-1 of Wells Fargo Pending Sale***


1.Stay Relief Motion by Wells Fargo(Phelan): on 3/25/20. NEED TO KNOW IF THIS AFFECTS PLAN(OS)

2.Objection by Wells Fargo( Phelan):RESOLVED: Order- pay at sale and sale by 7/30/20.(new obj filed to MP)

3. Trustee Objection:Resolved
-need CMA for both properties -screenshot is insufficient.(Provided for Fella prop, BUT still need for Atlantic City prop.- looks like this is a vacant lot- petition value (surrender ok)
50,000.
-need copy of the homeowner's insurance renewal declaration - for both properties.(Provided).
-need copy of the deed for the Atlantic City property( Provided).
-need Amendments to Schedules : amend SOFA for attorney fee collected before filing.(Provided)
- debtor has undertaken an improper use of exemption. Specifically: The Trustee
objects to the 522(d)(1) exemption taken on the Atlantic City property.( Amended C still takes $1,000 under (d)(1)- NO- can only use (d)(5).
-Proposed 100% plan must be confirmed with a minimum dividend.

Proposed plan: 200/60, SALE: 1491 F
Matter ResolvedRequest
Adjourment
1335/27/2020 10:00 am19-30444 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 9 required payments   Arrears: $18.00  Total Paid In: $2,200.00
AR ATTY TO EXPLAIN WHY MP WAS NOT FILED UNTIL 5-15
ISSUES AS OF 5/21/2020 (DM): Updated 5/26/20 - Atty okay with terms

***Bayonne Community Bank obtained stay relief and only $16,499.69 unsecured claims file before Bar Date expired. If paying JP Morgan Chase arrears, then to resolve Trustee objections, WE CAN RECOMMEND CONFIRMATION AT $1,400 PTD, THEN $409 x 53 STARTING 6/1/20, 100% PLAN WITH $32,775 MINIMUM DIVIDEND (EQUITY), BAYONNE COMMUNITY BANK POC (7-1) SHALL BE TREATED OUTSIDE THE PLAN DUE TO 5/19/20 STAY RELIEF ORDER, TRUSTEE STANDARD ORDER OF DISTRIBUTION (MP filed 5/15/20 to be withdrawn by the Debtor)***

 MP filed 5/15/20 and scheduled for 6/24/20 - MP is a sale plan.

 3/25/20 - case was ready to confirm at terms below but atty wanted adjournment - Adj to 5/27/20.

1) JP Morgan Chase filed $1,561.54 arrears claim on Livingston Ave property (MP PAYS CLAIM).

2) BCB Community Bank filed a late claim with no arrears (MP TREATS AS SALE PLAN).

2) Trustee OBJ:
- Need updated homeowners insurance for Greenwood Ave property (RECEIVED).
- Need copy of commercial lease for Greenwood Ave property - other 2 tenants are month to month (UNRESOLVED).
- Income docs verify higher ($2,859) than scheduled ($2,392) resulting in $724 monthly disposable income.
- Tax refund of $668 was not prorated and added to disposable income.
- There is $32,775 of non-exempt equity in real estate.
- Need proof of insurance for 2000 Honda.
- Received two P&L statements for same period with different amounts - Need to resubmit rental P&L statement and explain (UNRESOLVED).


Prop. Plan $200 x 60, Base Plan
PTD 7/7 = $1,400
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
1345/27/2020 10:00 am19-30574 / MBKBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledConfirmedDebtor has made 7 of 9 required payments   Arrears: $1,110.00  Total Paid In: $7,770.00
As of 5/15/20(Mk):atty ok to terms


>>>IF OK To Pay #1. Trustee will make a compromise on dispos income. and *** REC CONFIRM AT $6,660 PTD, THEN $1,110 x 19 Begin 6/1/20; Then 1,300 x 34 begin 1/1/22;Base***

>>second tier due to pension loan pd.

4/6/20(mk) atty emails says:The bulk of the Debtor's compensation is commissions from sales.
He is experiencing a reduction in income due to the current economic situation and has job security concerns. will supply updated proof


1. Carrington Mtg(in plan as current)- filed POC $483.56- OK TO PAY?

2. Trustee Objection:
-need proof of insurance for the 2016 Nissan and 2016 Honda.(Stilll- what we have expired 2019)
-need a Modified Plan that increases trustee payment when pension loan is paid off in 12/2021.
-debtors' plan has excessive expenses:$530/month for miscellaneous expenses;$789/month for pension loan repayment (need statement/proof- there is loan repay deduction on co debtor stub) debtor pay ck has auto add back 150 p/m
$683/month for education costs (need proof of same)
-Verified income leaves a monthly net balance of $1,364.79.
-Objections to 122C:average monthly gross income is $18,052 ($11,709/$6,343). Line 17 (involuntary deductions) should be $736, Line 23 (optional telephone) requires documentation, Line 25 (health insurance) should be $1,100, Line 35 (priority/supportclaims) should be $0.00 and Line 41 (pension loan) should be $217. Per the 122C,moly dispos. income is $2,990 which would require a min.div.of $179,580 to gucs.


Proposed plan:1,110 x 60, Base.
payments:6/7
last claim:13-1, Bar date:1/8/20
Matter ResolvedRequest
Adjourment
1355/27/2020 10:00 am19-30961 / MBKPETER E ZIMNIS, ESQConfirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 4 of 8 required payments   Arrears: $300.00  Total Paid In: $1,200.00
ADJ PEREMPTORY
5/15 workup for the 5/27 calendar EDC
MP filed and no objection to MP by RAS (Trustee is authorized to pay arrears to PHH pending LM0 but debtor is still 4 payments in arrears. Can confirm if gets current

MP proposes $300 x 36 Base and Loan Mod on Atlantic Ave by 6/30/20

-----------------
4/6/20(mk); Atty email reply- has emailed me proof of 2nd payment- l has a MP but needs client to review & sign-has consent for RAS (Mtg obj)to adj. will ays will file MP & surrender car

AR REC DISMISSAL 1 OF 5 PLAN PAYMENTS
As of 4/4/20(mk):

1.Objection by PHH Mtg(RAS)
-plan fails to pay full arrears.

2. Trustee Objection:
-need Order on support payments or proof of support payments.of $600 on sch J.
-need a Modified Plan that includes all domestic support obligations
- Must resolve creditor objection.
- Must file Pre-confirmation certificate.



Plan:$300 x 36 Base and Loan Mod on Atlantic Ave by 6/30/20.
payments:1/5
last claim:8-1,bar date:1/14/20
Matter ResolvedRequest
Adjourment
1365/27/2020 10:00 am19-31092 / MBKOTTO J KOSTBAR, ESQConfirmation Hearing ScheduledContinued
6/10/2020 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $3,290.00  
ATTY UPDATE OF REVIEW OF ML ACCT BY 6-3
AR CALL INTO ATTY
ISSUES AS OF 5/21/2020 (DM):

***Debtor received $50,014.91 from her mother's estate (SEE SCH F OF INFORMAL ACCOUNTING) prior to the bankruptcy filing, disposable income verifies higher $3,468 monthly, and there is $391,085 of non-exempt assets that will require a 100% plan***

1) Plan provides $6,614.13 priority treatment to NYS - no POC filed (STRIKE??)
AR PER ATTY STRIKE

2) IRS filed $13,736.62 secured claim not treated in plan (OKAY TO ADD??)AR PER ATTY OK TO PAY

3) Bank of America filed $568.97 arrears claim on Dayton Lane property (OKAY TO PAY??)AR PER ATTY OK TO PAY

4) Trustee OBJ:
- Need to file Pre Confirmation Certification (FILED).
- Need a copy of the Merrill Lynch statement for the month before filing (RECEIVED).
 Tax refund of $10,953 was not prorated and included in disposable income calculation.
 Income verified higher ($5,247) than scheduled ($4,900) resulting in $3,468 monthly disposable income.

 There is $38,738.37 non-exempt equity in real estate and $352,346.87 non exempt equity in the Merrill Lynch acct after deduction of Loan Management Account lien and non-debtor spouse 50% share (PLAN SHOULD BE 100%)

 Need documents regarding inheritance including Will of debtors' mother and estate accounting (RECEIVED - DEBTOR'S RECEIVED $50,114.91 - $100 FOR PAINTING).

 Need motion to approve sale of business (Pre School) and amended Sch I to include income to debtor from the sale when the contract is finalized.


Prop. Plan $1,655 x 60, Base Plan, plus $20,000 lump sum from inheritance
PTD 6/6 = $9,950
Last Claim (11-1)
Matter ResolvedRequest
Adjourment
1375/27/2020 10:00 am19-31104 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 3 of 8 required payments   Arrears: $0  

5/15 workup for the 5/27 calendar EDC
DEBTOR HAVING ISSUE WITH RECEIPT OF HIS PENSION
* adj denied lack of payments from 4/14-still 3 payments arrears
* From last time --Still not current and resolve Detzky objection (landlord) only creditor-wants 12 month cure EDC

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

As of 3/10/20 (DS): If obj resolved with creditor, need to confirm order Trustee will pay 18 month prompt cure to landlord

1. Debtor in arrears $630, made 2 out of 4 payments, recently made payment $325 on 3/3/20.

2. Trustee obj that plan fails to provide prompt cure of rental arrears. Attorney ok with 18 month prompt cure.

3. Allan T. Voorhees (landlord) obj no prompt cure proposed. Obj must be resolved.

Prop Plan $320 x 36 $0
Matter ResolvedRequest
Adjourment
1385/27/2020 10:00 am19-31667 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 8 required payments   Arrears: $875.00  Total Paid In: $2,375.00
5/15 workup EDC
IRS now amended. Needs 100% per equity:

***CAN CONF at: $1250 paid then $875 x 54 beg 6/1/20-100%-min of $113,000

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 - - need coverage period. (RECEIVED)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity on real property $113,002.55, will need to be 100%, due to non-exempt equity.
- Must resolve IRS estimated claim. (amended)
- Secured claim filed for real property taxes by US Bank for $26,649.81, not in plan and needs to paid or move against the claim. (NEEDS RESOLUTION)
- Must file Pre-confirmation certificate. (NOT FILED)

Plan proposes: $250 x 36, base
Payments: 4/5, arrears $250
Matter ResolvedRequest
Adjourment
1395/27/2020 10:00 am19-31689 / MBKCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 8 of 8 required payments   Arrears: $0  

As of 5/14/20(mk):

>> NEED ADV PRO to Be RESOLVED TO SEE IF CASE IS FEASIBLE<<

1. Objection by City of Trenton(Goldenberg): POC IS $47,704- ( DEBTOR FILED ADV. Pro. to Void Transfer. JT Sch. Order :discovery by 8/7/20: trial 10/15/20. P.Broege is appt Mediator)
city completed In rem foreclosure- has Judgment Tax sale.
-plan not feasible.

2. Trustee Objection: STILL)
-need updated social security card that shows correct debtor's nam( Filed doc #10- has full #- NEEDS TO BE REDACTED) - No cert from atty on this )
- need Valuation on all vehicles listed on Schedule B. Reviewed NADA and vehicles should be
much higher values.
- Must file Pre-confirmation certificate.
-------------------------------------------
-need updated auto insurance, insurance expired 11/15/19.(Provided).
- need Bank statements from TD Bank checking and savings account, prior to filing dates.(Provided).
-need 2019 Tax return by 8/15/20.(Provided).


Plan:$640.69 x 60 Base
payments:6/6
last claim:12-1 bar date:1/27/20
Matter ResolvedRequest
Adjourment
1405/27/2020 10:00 am19-31806 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
7/22/2020 10:00 am
Debtor has made 8 of 8 required payments   Arrears: $0  

ADJ PEREMPTORY
5/18 workup for the 5/27 calendar EDC
AR SAME ISSUES SINCE JANUARY , ATTY TO UPDATE BEFORE 4-8-**still no updates as of 5/18

1) IRS priority claim 11 is estimated - need to resolve claim
2) State of NJ claim 32 estimated
3) Daimler Trust/Chase Auto Finance (2019 Mercedes Benz lease) filed secured claim 2 with arrears in the amount of $2,279.92
4) Trustee objection to confirmation - need to resolve
-need a copy of the homeowners insurance renewal declaration -PROVIDED RENEWAL
-the debtor is not paying all disposable income into plan - Form 122C-2 Line 45 has monthly disposable income of $3,972.78 which requires minimum $238,366.80 dividend to general unsecured creditors
-Schedule J excess expenses $511.48/Federal tax, will be paid through plan; car payment $537 (allowed) $508; unless 100% plan timeshare expenses of $310 are not allowed; food $510/1 person is excessive; transportation $565/1 person is excessive; paying car insurance for non dependent son $277.50
-the schedules fail to account for the debtors tax refund in the amount of $8,860 when determining disposable income
-need balance sheet for Rogues Gallery PROVIDED
-need balance sheet and transfer documents for Nana's Barbeque business and Rogues Gallery (Debtor transferred her interest in the business to her son prior to filing) THERE IS $29,000 IN EQUITY IN ASSETS AND INVENTORY FOR ROGUES GALLERY BECAUSE THE CREDIT CARD LIABILITY IS IN BANKRUPTCY-NO EQUITY IN NANAS)
-there is over $205,000 in equity in business and real estate-plan only pays $175,000


proposed plan $500x12 begin 12/1/2019; refinance by 12/1/2020 minimum $175,000 to guc's
paid in $2500
last claim 32-1
Matter ResolvedRequest
Adjourment
1415/27/2020 10:00 am19-32385 / MBKTHOMAS J ORR ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 4 of 8 required payments   Arrears: $0  

ISSUES AS OF 5/21/2020 (DM): Dismiss Hold Fees per 5/26/20 email

1) Carrington Mtg (STERN L) OBJs - $507.50 arrears (OKAY TO PAY??)

2) Trustee OBJ:
- Need to file Pre Confirmation Certification (FILED).
- Need a current market analysis (RECEIVED).
- Need updated auto insurance - policy expired 12/2/19 (RECEIVED).
 Need amended Sch B&C to add Beneficial acct and remove 13% cost of sale from equipment appraisal value (UNRESOLVED).
 Need to provide appraisal used to value photo/music equipment on Sch B (UNRESOLVED).
 Need to provide 2 months bank statements for Beneficial accounts prior to filing date (UNRESOLVED).
 Need to provide 2 months bank statements for Santander savings acct #5965 prior to filing date (UNRESOLVED).
 Need to provide 2 months bank statements for WSFS checking acct prior to filing date (UNRESOLVED).
 Need statement of value for Mutual Fund at Mainstay prior to filing date (UNRESOLVED).
 Must add to confirming order non-exempt proceeds from sale of real property.

 Excessive Expense: $1,120 childcare (co-debtor does not work during the summer and proof of childcare on 2017 and 2018 tax returns does not attach proof of childcare); $125 lawn care, $350 accountants fees and $170 legal fees (listed on P&L).

 Proof of income verifies higher for Debtors' businesses ($8,313 Re-Creation/$5,932 Imagemaker) than scheduled ($5,938).
 Sch J takes some expenses already listed and deducted from P&L.

 There is $14,277/$20,822 non-exempt equity on both properties, $500 in 2005 Chevy Blazer; $5,100 in Jewelry; bank accounts (pending review of updated bank statements); Mutual Fund at Mainstay (pending review of documents) and Photo/Music equipment (pending review of appraisal).


Prop. Plan $1,060 x 36, min div $57,583, sale of Dickinson Rd by 11/30/20
PTD 4/6 = $4,240
Last Claim (11-1)
Matter ResolvedRequest
Adjourment
1425/27/2020 10:00 am19-32537 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $500.00  Total Paid In: $3,000.00
5/19 workup for the 5/27 calendar--can confirm if LNV resolved per below

*** 2500 paid then $500 x 55 beg 6/1/20-LM by 7/9/20---trustee to not pay LM arrears pending LM

1) LNV Corporation (Pluese) objection to confirmation - (loss mit order says LM by 7/9/20 with AP is this resolved?)
2) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income (OK current)
-the debtor has failed to file a feasible plan (OK)
---------------------------
-the debtors plan consists of unnecessary or excessive expense items: 2 Schedule J's have been filed. The total expenses are $11,169 which is grossly excessive and income is no where near sufficient.
-debtor plans to rent her home while seeking loan modification - all of which is speculative all resulting in plan feasibility issues
-the debtor has failed to provide proof of service with respect to plan motions -no certification of service for plan motions RESOLVED, FILED
-must file fee application withing 7 days of confirming order
-must file Pre Confirmation Certification with Court - RESOLVED, FILED

proposed plan $500x60 base plan with loan mod by 6/30/2020
paid in $500
last claim 11-1
Matter ResolvedRequest
Adjourment
1435/27/2020 10:00 am19-32559 / MBKSCOTT E KAPLAN ESQConfirmation Hearing ScheduledConfirmedDebtor has made 7 of 7 required payments   Arrears: $0  
Total Paid In: $9,527.00
ISSUES AS OF 5/21/2020 (DM): Updated 5/22/20 - Honor Roll and atty to withdraw MP recently filed.

***If paying Wells Fargo arrears claim below, TRUSTEE CAN RECOMMEND CONFIRMATION AT $6,805 PTD, THEN $1,361 x 55 STARTING 6/1/20, 0% PLAN (Note - plan will complete early)***

1) SPS/Deutsche Bank (MILSTEAD) OBJs - $1,491.28 arrears (CO ENTERED).

2) Wells Fargo filed $364.46 arrears claim on 2007 BMW X3 (OKAY TO PAY??)

3) Trustee OBJ:
- Debtor has insufficient income.
- Need proof of 2 months income - Jan 2020 and Feb 2020 (RECEIVED).
- Need proof of insurance for both vehicles - policy expired 1/8/2020 (RECEIVED).
- Excessive Exp: $545 cable/internet/phone; $125 school uniforms; $150 pet expenses; $160 federal & state taxes (MOOT).
- The $5,188 tax refund was not prorated and included in disposable income calculation (MOOT).
- Need to file Pre Confirmation Certification (UNRESOLVED).


Prop. Plan $1,361 x 60, 0% Plan
PTD 5/5 = $6,805
Last Claim (16-1)
Matter ResolvedRequest
Adjourment
1445/27/2020 10:00 am19-32605 / MBKJEANIE D WIESNERConfirmation Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $0  
Total Paid In: $3,800.00
5/19 workup for the 5/27 calendar - Atty ok with terms.sf

***CAN COMPROMISE ON TRUSTEE OBJ BELOW. ***CONF AT *2500 PAID THEN $650 X 55 BEG 6/1/20 PRO RATA

1) Trustee objection to confirmation - need to resolve
-need a copy of the homeowners insurance renewal declaration -(DONE)
-need proof of motorcycle insurance(DOES NOT RUN)
-need a copy of the deed and mortgage statement for timeshare PLAN SURRENDERS TIMESHARE
-unnecessary/excessive expenses on Schedule J - $232 cell phone; $422.38 transportation; $228.18 storage unit; $450 pet care (no pets on Schedule B)
-the debtor is not paying all disposable income into plan - income verifies higher, due to excessive expenses
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is non exempt equity on real property $39,230 and timeshare (OK SURR)
-need 2 months bank statements prior to filing (November and December 2019)
2) Plan fails to follow Trustee standard order of distribution

proposed plan $500x60 base plan
paid in $1,500
last claim 12-1
Matter ResolvedRequest
Adjourment
1455/27/2020 10:00 am19-32609 / MBKJOHN C FEGGELER, ESQConfirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $370.00  
5/21/20 - Bk Petition amended to add alias names.

ISSUES AS OF 5/21/2020 (DM):

***Debtor needs to submit a proper Certification to address Trustee issues below regarding income, and we need responses to #1 & #2 below***

1) Fay Servicing/Mill City Mtg filed $1,062.26 arrears claim on Lenny Court property (OKAY TO PAY??)

2) Plan proposes to pay $19,935.35 as secured to Crossing Condo Assn - creditor filed $24,005.35 secured claim (OKAY TO PAY??)

3) Trustee OBJ:
- Need to file Pre Confirmation Certification (FILED).
 Need proof of realtor income for the previous 180 days, if any (EMAIL INSUFFICIENT - NEED CERT)
- Need to amend petition to include any alias or alternate name spellings used by the debtor (SEE ABOVE).
- Need current market analysis - prepared by someone other than the debtor (RECEIVED).
- Need a copy of the last filed tax return - 2019 (RECEIVED).
- Need a copy of the homeowner's insurance renewal declaration (RECEIVED).
- Disposable income verifies at $3,108 - disposable income per filed schedules is $2,670 (FATHER CONTRIBUTION IS BULK OF INCOME).
- Tax refund of $1,485 was not prorated and included in disposable income calculation (2019 TAX REFUND WAS $394).


Prop. Plan $370 x 60, Base Plan
PTD 4/5 = $1,480
Last Claim (3-1)
Matter ResolvedRequest
Adjourment
1465/27/2020 10:00 am19-32852 / MBKANDREW G. GREENBERG, ESQ.Confirmation Hearing ScheduledContinued
8/4/2020 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $3,898.00  
5/15 WORKUP FOR THE 5/27 CALENDAR

*****TO RESOLVE OBJECTIONS AND PAYING ALL CLAIMS NEED TO CONFIRM AT $21592 PAID TO DATE, $6,600 X 55 BEGIN 6/1/2020 100% PLAN (MIN OF $532,142 TO GUCS)--PRE CONF CERT IN 10 DAYS***

1) Wells Fargo Bank (Phelan) objection to confirmation - need to resolve
-arrears $2,229.33(WILL PAYo
2) Amerihome Mortgage Company LLC (Phelan) objection to confirmation - need to resolve
-arrears $904.67(WILL PAY)
3) BMW Bank of North America filed secured claim 6-1 with arrears of $10 - need to pay through plan or move against claim(WILL PAY)
4) Trustee objection to confirmation - need to resolve
-need current market analysis for Forman Property. Debtors testified it is worth more than Zillow says
-need proof of 2 months income for salaries and officers compensation for both debtors
-need proof of rental income for Forman Avenue property
-need proof of insurance for the 2017 Ford Transit 250
-need Amendments to Schedules B/C to add the 2016 BMW
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - PLAN IS 100%
there is $443,596 in non exempt equity in the bank accounts
there is $18,596 in non exempt equity in the vehicles
there is $69,950 in non exempt equity in the business
TOTAL NON EXEMPT EQUITY $532,142
-the debtors plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution
-need to file Pre Confirmation Certification with Court
-need to resolve creditor objections

proposed plan $5098x60 100%
paid in $16494
last claim 12-1
Matter ResolvedRequest
Adjourment
1475/27/2020 10:00 am19-33025 / MBKPRO SEConfirmation Hearing on Modified PlanContinued
7/14/2020 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $248.00  
AS OF 5/22/20 (SF)

1. Debtor became a Registered Agent in 2/2019 for Lima Charlie Management and Analytics, INC which uses the address of 2103 Bear Creek Ct. which is the property below. There is no mention of a business in the schedules. (NEED EXPLANATION)

2. Objection filed by Bank of America (Douglas McDonough) - failure to pay arrears of $124,357.82 and make post-petition payments. This creditor is not addressed in plan.

3. Bank of America filed arrears claim 4-1 for $124,357.82 which is not addressed in the plan or schedules (NEED AMENDED SCHEDULES, COPY OF DEED, CMA AND HOMEOWNER'S INSURANCE) (PER 341 NOTES, DEBTOR SAYS HE GAVE PROPERTY BACK TO BANK BUT THE PROPERTY IS NOT SURRENDERED IN PLAN)

4. Walnut Ridge Homeowners Association filed bifurcated claim 3-1, $1761.42 is secured, $332 is unsecured and arrears are $2,093.42. This is a lien on the Maryland Property which is not addressed in plan or schedules.

5. The IRS filed estimated priority claim 1-1. Missing 2017 and 2018 Returns (NEED AMENDED CLAIM)

6. Trustee objection:
- The debtor has insufficient income income is negative..
- A Modified Plan that completes Part 5a treatment of unsecured claim
- A Modified Plan that adds all cramdowns to Section 4 AND Seciton 7 of the Plan
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Need proof of Service for Santander cram of auto.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution
-Part 8a vesting of property of the Estate is upon discharge, to do so requires Trustee to be added to insurance. In the alternative, recommend vesting upon confirmation.
-must file pre conf cert.

Plan proposes $288 x 60
Payments: 4/5 Arrears: $288
Matter ResolvedRequest
Adjourment
1485/27/2020 10:00 am19-33269 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 8 of 7 required payments   Arrears: $0  

nfa
ISSUES AS OF 5/22/2020 (DM):

***Need an amended Form 122c with tax deductions taken and judgment crams must be served at a street address if POCs have not been filed***

1) Bank of America (PHELAN) OBJs - 2014 RV cram interest rate cannot be 0% (MP PLAN SURRENDERS).

2) American Express filed $17,463.03 secured judgment not treated in the plan (MP PAYS).

3) Need proof of service on BOA, Midland Funding and Portfolio Recovery judgment crams (UNRESOLVED - NO POCs WERE FILED AND ALL THREE CREDITORS WERE SERVED AT A PO BOX ADDRESS).

4) Trustee OBJ:
- The debtor has insufficient income to fund the plan.
- Plan needs to include an update to debtor's income (currently unemployed) 6 months after confirmation.
- Excessive Exp - Sch J: $500 utilities; $700 tele/cell/internet/cable; $100 trash (MOOT).

 Form 122c-2, Line #45 monthly disposable income, as filed, is $4,302 which requires 258,133 minimum dividend (NEED AMENDED 122c BECAUSE NO TAX DEDUCTIONS WERE TAKEN).

- The circumstances and contents of the debtor's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a) (3). The plan pays for RV through plan in the amount of $48,834 - this is a luxury item and plan should not be confirmed without a 100% dividend to unsecured creditors (MP SURRENDERS).


Prop. Plan $1,000 Ptd, $124 x 58, Base Plan, Loan Mod within 6 months
PTD 5/5 = $1,250
Last Claim (16-1)
Matter ResolvedRequest
Adjourment
1495/27/2020 10:00 am19-33425 / MBKSTEVEN J. SICOConfirmation Hearing - Order Vacate Dismissal of CaseConfirmedDebtor has made 6 of 7 required payments   Arrears: $0  
Total Paid In: $14,583.00
updated 5/27/2020

1) modified plan states in Part 9 that plan is 100%, however Part 5a states pro rata
2) modified plan proposes 5 payments of $2,400 which is $12,000, to date debtor has only made payments totaling $7,200 - debtor has not made last 2 plan payments. In his email debtors attorney states the Trustee payments were paid current. The last payment posted in this case is 3/25/2020. No proof of payment of $4,800 arrears to date.
3) to recommend confirmation today need to confirm at $7,200 paid to date, $2,583x55 begin 6/1/2020 100% plan
-provide Trustee with 2019 tax return no later than 8/15/2020
-consent order resolving creditor objection to be filed with Court within 10 days of confirmation

issues as of 5/20/2020

1) MTGLQ Investors (Pluese) objection to confirmation - ARREARS TO BE PAID THROUGH PLAN COTBS
-estimated pre petition arrears $132,196.66
2) MTGLQ Investors motion relief stay - 6/10/2020
3) Trustee objection to confirmation - need to resolve
-need a copy of the 2019 tax return on or by 8/15/2020 ADD NOTE TO CONFIRMING ORDER
-need a modified plan that clarifies treatment to creditors Part 5a - IN PART 5a STATES PRO RATA PLAN AND IN PART 9 AND DEBTOR ATTORNEY CORRESPONDENCE STATES 100%
-need Amendment to Form 122c is blank, based on P&L provided gross income/month is $15,713.16 and this would be an above median case RESOLVED, FILED
-the debtor has undertaken an improper use of exemption. Specifically, need to amend Schedule C to specify the exact dollar amount being exempted. Selecting 100% is not sufficient RESOLVED, FILED AMENDED SCHEDULE C STATING SPECIFIC DOLLAR AMOUNTS FOR EACH EXEMPTION
-the debtor is not paying all disposable income into the plan -excessive expenses on Schedule J $150 for miscellaneous expenses; based on gross income from P&L this case will be an above median case and may have excess net income, to be determined once amended Form 122c has been filed; net income per profit and loss statement verifies higher a
Matter ResolvedRequest
Adjourment
1505/27/2020 10:00 am19-33448 / MBKTHOMAS M MONAHAN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $520.00  Total Paid In: $3,122.00
5/19 workup---Amended Sch C filed 2/7/20 - equity is now $14,127

RECOMMEND: $2601.70 PAID TO DATE, $520 X 55 BEGINNING 6/1/2020, BASE WITH A MINIMUM OF $14,127 TO GUC'S DUE TO NON EXEMPT EQUITY
Need to file Pre-Confirmation Certification within 10 days of confirmation.

1. Debtor did not use the D(1) exemption. There is $39,277 in non-exempt equity in the residence. Debtor's attorney should amend Schedule C or the debtor will need to pay $39,277 to guc's.

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- need auto insurance renewal, policy provided expired 12/29/2019 (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):
-excessive expenses on Schedule J $260/cell phone; $700/transportation ; $700/car payment
-Form 122C-2 Line 45 has monthly disposable income $322.70 which requires minimum $19,362 dividend to general unsecured creditors
- must file pre conf cert. (NOT FILED)

Plan proposes: $520.34 x 60, base
Payments: 3/4, arrears $520.34
Matter ResolvedRequest
Adjourment
1515/27/2020 10:00 am19-33552 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0  

MP filed 5/12/20 and scheduled for 6/16/20 - need adj request (MP is a sale plan but Loan Mod complete on other property - Note regarding proposed base in the MP, the Trustee is showing $81,907 non-exempt equity in W. Jack St property) DM

issues as of 4/7/2020

1) Towd Point Mtg Trust (MILSTEAD) (West Jack Street) objection to confirmation - need to resolve
-arrears approximately $5,257.35 CLAIM FILED, ARREARS $5199.54
THIS MORTGAGE IS NOT TREATED IN PLAN
(Jack Street property) - THIS IS 2ND MORTGAGE

2) Specialized Loan Servicing (Pluese) (Dakota Avenue) objection to confirmation - need to resolve
-estimated arrears $28,532.11 CLAIM FILED, ARREARS $28,497.49
(Jack Street property) THIS IS 1ST MORTGAGE

3) Trustee objection to confirmation - need to resolve
-need a copy of the homeowner's insurance renewal declaration - for West Jack Street - document provided expired 12/1/2019 PROVIDED RENEWAL EFFECTIVE THROUGH 12/1/2020
-the debtor has undertaken an improper use of exemption. Specifically, takes (d)(1) exemption on non residential property Dakota Avenue NEED TO AMEND SCHEDULE C TO REMOVE THIS EXEMPTION
-the debtor is not paying all disposable income into the plan - income verifies higher than scheduled PAYMENT SHOULD BE RAISED TO $530/MONTH FOR REMAINDER OF PLAN
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation - there is non-exempt equity on West Jack Street $159,156.42 (claim filed was higher) NEED TO PAY NON EXEMPT EQUITY TO GENERAL UNSECURED CREDITORS $159,156.42
-Nationstar (Dakota Avenue) claim 6 filed with arrears of $3,077.42, arrears not treated in plan - need to address
-must add to confirming order non-exempt proceeds from sale of West Jack Street to Trustee

4) Trustee reviewed and the Towd mortgage claim #10 is not treated in plan, schedules C and D should be amended to include this mortgage, plan needs to be amended to treat the arrears in the amount of $5,199.57

Prop. Plan $158 X
Matter ResolvedRequest
Adjourment
1525/27/2020 10:00 am19-33574 / MBKRUSSELL L LOW, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $0  
Total Paid In: $1,150.00
5/19 workup for the 5/27 calendar

Income higher will compromise and CONFIRM ******at $750 paid then $200 x 31 beg 6/1/20 pro rata

Trustee's objection:
- $541.67 child support (per debtor, not court ordered).
- income verified higher than scheduled, net disposable income is $366.27(compromise at $200 going forward)
- The Landmark Bank statements dated 10/22/2019; 11/20/2019; 1/3/2020 and car insurance policy dated 12/8/2019 list debtors address as Apartment in Columbia, MO - Statement of Financial Affairs lists a previous address in Allentown, PA - no mention of Columbia, MO. (OK)
--------------------------
- Per bank statements balances at time of filing are higher than set forth on Schedule A/B. PNC Bank as of 11/25 (last statement before filing) $736.11; Landmark $1,043.92 statement dated 12/19/2019 (same day as filing) - the exemption per Schedule C is lower than the balance - (OK)
- Need divorce settlement agreement and documents from transfer of real estate. (RECEIVED)

Plan proposes: $150 x 36, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
1535/27/2020 10:00 am19-34051 / MBKBRUCE H. LEVITTConfirmation Hearing on Modified PlanConfirmedDebtor has made 2 of 7 required payments   Arrears: $480.00  Total Paid In: $700.00
as of 5/19/2020

****to resolve Trustee objection need to confirm at $550 paid to date, $315x55 begin 6/1/2020 base plan***

1) New Rez LLC d/b/a Shellpoint Mortgage Servicing - objection to confirmation - OBJECTION WITHDRAWN 5/7
2) Trustee objection to confirmation - need to resolve
-need November and December bank statements for TD account #5153 THE TD BANK STATEMENT SHOWS TRANSFERS TO AND FROM AN ACCOUNT ENDING #8315. DO NOT HAVE STATEMENTS FOR THIS ACCOUNT - STATEMENT SHOWS ENDING BALANCE $2,192.54 ONLY EXEMPTED $400 LEAVING NON EXEMPT EQUITY OF $1,794.54
-unnecessary/excessive expense items, such as $546/month cable/internet/cell (ALLOW $450); $602.88/month car payment (ALLOW $508) REDUCES SCHEDULE J $5,529.45 AND NET INCREASES TO $620.69
-the debtor is not paying all disposable income into plan - verified income leaves a monthly net balance of $429.81
-the schedules fail to account for the debtors tax refund in the amount of $4,133 when determining disposable income
-need to file Pre Confirmation Certification with Court FILED
-plan lists attorney fees of $2,610 to be paid as a priority claim. The disclosure states that $2,610 will not be paid through the plan. One of these must be amended RESOLVED, PAY $2,610 THROUGH PLAN


proposed plan $100x60 base
paid in $550
last claim 17-1
Matter ResolvedRequest
Adjourment
1545/27/2020 10:00 am20-10054 / MBKDemetrius J. Parrish Jr.Confirmation Hearing on Modified PlanContinued
7/14/2020 10:00 am
Debtor has made 3 of 6 required payments   Arrears: $202.00  
AS OF 5/19/2020 (at):

1. Need to request an adjournment of the confirmation hearing
2. 341 hearing is scheduled for 6/4/2020
3. Payments: 3/4, arrears $1,756
Matter ResolvedRequest
Adjourment
1555/27/2020 10:00 am20-10129 / MBKJOSEPH CASELLO ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $50.00  
AS OF 5/21/20 (SF) - BELOW ISSUES STILL APPLY

1. Objection filed by Specialized Loan Servicing (Gavin Stewart) - Arrears are $173,336.41. Total debt claim amount is $206405.55. Loan matures on 7/1/23. (MUST RESOLVE)

2. The plan proposes to pay $241,000 to Etrade through the plan. This is not feasible. Claim filed for $206,405.55 (THIS CLAIM IS THE SAME AS SPECIALIZED LOAN SERVICING)

3. Trustee objection:
- The debtor has insufficient income .
- A current market analysis - that gives an opinion of the value (only a summary of comparables received). Zillow lists value at 336,272.
- As of now, there is $16,075.64 of non exempt equity in real property (Plan is 100%).
-Plan cannot be confirmed for less than 36 months. Plan proposes 18 months
-must file pre conf. Cert.

Plan proposes $50 x 18, 100%, Refi by 7/31/20
Payments: 4/4
Matter ResolvedRequest
Adjourment
1565/27/2020 10:00 am20-10219 / MBKBRUCE H. LEVITTConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

file MP and resolve issues
As of 5/26/20 (DS): Debtor attorney requested adjournment, request denied, does not get consent of all objecting creditors and Trustee requires response to below issues before granting any adj.

AR ATTY TO RESPOND TO ISSUES BEFORE ADJ CONSIDERED

As of 5/20/20 (DS): 1. MFR filed by Specialized Loan, Sched 5/27/20, need outcome.

2. BELOW ISSUES STILL NOT RESOLVED SINCE 3/11/20 HRG.

3/11/20 (DS): 1. Trustee obj to the following:
- Need 2019 tax return. Estimated claim was filed, due to 2019 tax return not filed. Claim must be resolved.
- Excessive expenses on Schedule J such as: $567 Cable/internet/phone, $700 Transportation and $480 Car insurance.
- 22c has disposable income $3,159, which would require minimum dividend $189,540 to gucs.
- Income verifies higher, there is disposable income $3,017.88, tax refund not listed on Schedule I.
- There is $1,400 in non-exempt equity in her bank accounts.
- Plan lists attorney's fees of $2,610 to be paid, Disclosure states that $2,610 will be paid outside. One of these must be amended.

2. Specialized Loan obj to arrears not paid pending sale. Obj must be resolved.

3. Wells Fargo obj to sale and arrears not in plan to be paid pending sale. Obj must be resolved.

4. Oak Creek Estated HOA filed arrears owed $4,442.32, not in plan.

5. IRS filed secured claim $40,169.23, plan list priority claim $10,345.63, but is estimated, due to 2019 tax returns, not yet provided.

Prop Plan $1,000 x 60 99% to gucs and Sale of Pebble Rd by 7/31/20
Matter ResolvedRequest
Adjourment
1575/27/2020 10:00 am20-10240 / MBKDAVID A ASTConfirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $400.00  
As of 5/26/20 Debtor attorney requested adjournment, request denied, does not provide auto insurance for 2013 Audi(vehicle returned

As of 5/19/20 (DS): 1. Debtor in arrears $400, made 2 out of 4 payments, last payment $200 made 4/28/20. PROOF OF PAYMENT PROVIDED ATTACHED TO CONF ADJ FORM

2. Trustee obj to the following:
- Need current market analysis with comparables, CMA provided is not acceptable, auto insurance for 2013 Audi (non provided) and 2019 tax return, if not filed by 8/15/20.
- Amendments to Schedules B to add 2013 Audi, claim filed, not in plan or Schedules and no auto insurance provided.
- Attorney fees in plan and disclosure statement do not agree. Plan states that $2,457 will be paid as a priority claim and the disclosure statement states that $2,457 will not be paid through the plan. One of these must be amended.
- Modified Plan that addresses the 2nd mortgage held by US Dept of HUD.
- Must resolve IRS estimated claim, 2019 tax return not filed.
- Must file Pre-confirmation certificate.
- Must resolve objections by One Main and PHH Mortgage.
- Loan mod date is by 5/31/20. What is the status of loan mod?

3. PHH obj to loan mod and arrears not paid. Loan mod date expires 5/31/20.

4. OneMain obj to not in plan for 2013 Audi, claim filed with no arrears.

Prop Plan $200 x 60 Base and Loan Mod with PHH Mortgage on Chestnut Pl by 5/31/20
Note: There is no disposable income.
Matter ResolvedRequest
Adjourment
1585/27/2020 10:00 am20-10269 / MBKSTEPHANIE SHRETER, ESQConfirmation Hearing on Modified PlanContinued
7/8/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $1,325.00  
AS OF 5/19/2020 (at):

1. The IRS filed an estimated priority claim #13 which needs to be resolved/amended.

2. Objection filed by Greenbriar Horizon (Hill Wallack) - failure to cure arrears of $11,284.38. (MOD PLAN PAYS ARREARS IN FULL - RESOLVED)

3. Trustee's objection:
The debtor has insufficient income to fund the plan.
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the homeowner's insurance renewal declaration - .what was provided expired 3/2/20 (RECEIVED)
- info on Mothers estate. Will & summary of litigation. (NOT RECEIVED)
- must address objection by Greenbriar Horizon Community. (RESOLVED)
- must file pre conf cert. (NOT FILED)
- all non proceeds form personal injury case to be pd to Trustee. (LANGUAGE ADDED)
- any non exempt proceeds from estate Vella Hodges( mother) (LANGUAGE ADDED)

MP (before confirmation) proposes: $2,900 paid to date, $1,450 x 36 beginning 5/1/2020, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
1595/27/2020 10:00 am20-10301 / MBKSEYMOUR WASSERSTRUM, ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $330.00  
AS OF 5/19/2020 (at):

1. Wilmington Savings (RAS Citron) filed a Motion for In Rem Relief which is returnable on 6/10/20.

2. Objection filed by Wilmington Savings (RAS Crane) - failure to cure arrears of $305,892.07 (Per obj - no POC yet)

3. State of NJ filed an estimated priority claim #4 which needs to be amended. (NO LONGER ESTIMATED)

4. Navient filed a claim #2 in the amount of $53,429.63. Plan is silent as to the treatment of student loans. Is this being paid outside of the plan?

5. The IRS filed an estimated priority claim #3 which is not in the plan and needs to be resolved/amended. (STILL ESTIMATED - FOR 2019)

6. The order of distribution in the plan departs from the trustee's order of distribution. OK to pay according to trustee?

7. Trustee's objection:
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)
- Need proof of current auto insurance. (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):
- Disposable income per Schedule I verifies higher at $319.82.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1540.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
1. Plan should be confirmed as a pro rata base due to proposed loan modification.
2. File pre-confirmation certification (FILED)
3. The debtors should be barred from re-filing for a period of one year upon dismissal

Plan proposes: $165 x 60, $0 to guc's, Loan mod by July, 2020 outside of the bankruptcy
Payments: 3/4, arrears $165
Matter ResolvedRequest
Adjourment
1605/27/2020 10:00 am20-10392 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 2 of 6 required payments   Arrears: $2,008.00  
AR ONLY CONF LOAN MOD OS PLAN WITH 100%TO GUC
5/26/20(mk): email from A. Jennings. Plan premised on LM& LM was DENIED 5/15/20 .Plan cannot be confirmed.
-new MP filed on 5/22 still has loan mod


issues 5/21/2020

EDC TRUSTEE FILED OBJECTION TO AMENDED SCHEDULE C - OVER EXEMPT d(5)
TO DATE MODIFIED PLAN HAS NOT BEEN FILED AS STATED IN THE ADJOURNMENT REQUEST FOR THE 5/19 HEARING

1) US Bank (RAS Citron) objection to confirmation - RESOLVED, ORDER SUBMITTED, LOSS MIT PROCESS COMPLETE BY 5/27/2020 OR AS EXTENDED BY ORDER, ADEQ PROT PAYMENTS $1,235 TO CREDITOR
-loan will mature over the life of the plan and total claim should be paid through plan, anticipated payoff $199,061.22
2) Trustee objection to confirmation - need to resolve
-need a copy of the 2019 return by 8/15/2020
-need profit and loss statement from January 2020 through April 2020 PROVIDED
-need a modified plan that provides for a 60 month plan as it appears debtor will be over median once Form 122c is completed and filed
-need amendment to Schedules, Form 122c is incomplete and needs to be amended to fill in the income amount
-need amendment to Schedule I for new part time job at Brookdale Community College PROVIDED
-the debtor is not paying all disposable income into plan - business expenses of $3,610 should not be listed on Schedule J RESOLVED, AMENDED SCHEDULE J
-excessive expense on Schedule J food expense of $1,000 for 1 person RESOLVED, HOUSEHOLD 3
-no exemptions were taken on Schedule C so non-exempt equity in bank accounts of $17,000 AMENDED C FILED - TRUSTEE OBJECTION TO OVER EXEMPTION
-as of now, there is $27,989.50 of non exempt equity in real estate. MAY BE REDUCED BY JUDGMENTS, NEED ADDITIONAL INFORMATION FROM DEBTORS ATTORNEY REGARDING EMAIL SENT 5/15
-debtor must provide proof of liens after the mortgage, unless a secured claim is filed for judgments listed on Schedule D - PROOF PROVIDED, SOME APPEAR TO BE PAID IN PREVIOUS BANKRUPTCY, SENT ATTY EMAIL - NEED TO RESOLVE
-must file Pre Co
Matter ResolvedRequest
Adjourment
1615/27/2020 10:00 am20-10456 / MBKWILLIAM S WOLFSON, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 5 of 6 required payments   Arrears: $1,808.00  Total Paid In: $9,040.00
As of 5/26/20 (DS): Confirm at $1,808 x 60 begin 2/1/20 pro rata dividend to gucs, Loan mod by 8/17/20, student loans to be treated outside and within 7 days must file fee app

4/30/20 (DS): Debtor attorney requested adjournment, mod plan filed and sched 5/27/20
3/13/20 (DS): Debtor attorney requested adjournment, to resolve creditor objection and resolve IRS estimated claim.

3/31/20 (DS): 1. BELOW ISSUES NOT RESOLVED.

2/27/20 Debtor attorney requested adjournment, obj creditor allowed 2 week adjournment

3/3/20 (DS): 1. Trustee obj to the following:
- Need 2019 tax return. Since claim is estimated, due to 2019 tax return not filed, Debtor must provide copy of filed 2019 tax return. TAX RETURN PROVIDED AND CLAIM AMENDED.

2. Caliber/US Bank obj to loan mod and arrears more, POC filed. Mod plan now propose to pay arrears, but still has loan mod. Obj must be resolved.

3. IRS filed estimated claim for 2019 tax return $105, if taxes filed, must provide. Must resolve claim. AMENDED CLAIM FILED.

Prop Plan $1,808 x 60 Base and Loan Mod on Dayton Rd by 7/31/20
Notes: Bank statement provided and response from Debtor is ok to strike section 4 and 7 as to 2nd mortgage and student loan. Amended Sched I filed and mod plan removes motions.
- Raritan Twp MUA filed arrears claim for pre-petition $2,935.37 and post-petition arrears $165.25 owed, now in mod plan filed.
- Arrears claim filed by Santander in the amount of $1,251.77 now listed in mod plan to pay.
Matter ResolvedRequest
Adjourment
1625/27/2020 10:00 am20-10515 / MBKCAMILLE J KASSARConfirmation Hearing on Modified PlanConfirmedDebtor has made 1 of 6 required payments   Arrears: $3,455.00  Total Paid In: $1,438.00
Atty ok with terms.sf

AR REC CONF 373.04 PTD BEG 6-1-20 $2,260 X 54 100% LOAN MOS BY 6-20-20 LOW BASE TRUSTEE TO PAY 1968 AD PRO PENDING LOAN MOD
issues as of 5/19/2020

1) New Rez LLC d/b/a Shellpoint Mortgage Servicing (Phelan) objection to confirmation - MODIFIED PLAN PROPOSES TO PAY PRE-PETITION ARREARS, PROPOSES TO PAY MONTHLY POST PETITION AMOUNT OF $1,943.08 OUTSIDE PLAN -
-approximate arrears $54,825.82
-fails to provide for the full monthly post-petition payments
2) Trustee objection to confirmation - need to resolve
-2019 tax return by 8/15/2020
-unnecessary or excessive items on Schedule J such as: $300/month home maintenance; $1,000/month for food; $300/month health insurance (already deducted from paychecks)
-the debtor is not paying all disposable income into plan - verified income leaves monthly net balance of $2,213.47 - OK 100% PLAN
-the debtor is not paying all disposable income into plan - per Form 122c, monthly disposable income is $5,248 - OK 100% PLAN
-the schedules fail to account for the debtors tax refund in the amount of $2,994 when determining disposable income
-the debtors plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution
-need to file Pre Confirmation Certification RESOLVED, FILED
3) Trustee recommends confirmation at $373.04 paid to date, $1,065x56 begin 6/1/2020 100% plan with loan mod on or by 6/20/2020

proposes plan $93.26x60 100% loan mod by 4/2020
paid in $373.04
last claim 2
Matter ResolvedRequest
Adjourment
1635/27/2020 10:00 am20-10901 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
8/4/2020 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $400.00  
AS OF 5/21/20 (SF)

1. Objection filed by Wilmington Savings Fund Society (Phelan) - failure to pay arrears of $141,801.18 and speculative loan mod

2. Trustee objection:
- The debtor has insufficient income .
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - : need 2019 tax returns by 8/15/20.



Plan proposes $200 X 36 Base, Loan mod by 8/2020
Payments: 3/4 Arrears: $200

RESOLVED ISSUES:
- need recent mortgage statement or filed POC. (POC FILED)
Matter ResolvedRequest
Adjourment
1645/27/2020 10:00 am20-10905 / MBKSTEVEN J. SICOConfirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $3,994.00
As of 5/26/20(mk):Updated-atty ok to terms

*** CAN REC. CONFIRM AT $2,444.12 PTD, THEN $725 X 56, BEGIN 6/1/20;BASE W/ MIN. DIV TO GUCS OF $1,365 DUE TO NE EQUITY IN TIME SHARE; Trustee shall pay the arrearage amount of $243.69 to King's Creek Plantation, LLC on claim #3-1. No distributions shall be made on the bifurcated secured and unsecured portions of that claim. Trustee is not authorized to pay arrears claim2-1 to Capital One Auto Finance as the collateral(2008 Jeep Liberty )has been surrendered.***

1. Kings Creek Plantation filed bifurcated Claim #3-secured /unsecured & arrears amts for Mtg of time share. MP has Unaffected- NEED TO ADDRESS THIS CLAIM- WHAT ARE YOU PAYING? (Per Atty Pay arrears only).

2. Trustee Objection:
-orig plan surrender 2008 Jepp- it is left out of MP_ Atty says it was already surrendered.
-needs a Modified Plan that completes Part 5 (Filed).
-need Amendments to Schedules a & D to list time shares.(Filed).
-Schedules fail to account for tax refund of $10,109 (2019) for disposable income.(added in)
- amended I & most rect J filed.J includes Time share $225 Luxury & added back in - Moly Dispos income 930.
------------------------------------
3. Objection by NissanN Motor Acceptance(Stewart Legal): RESOLVED . CO Filed. Unaffected.
-no plan treatment- should be in 4f- unaffected.

4. Objection by HomeBridge Financia Serv.: MP pays
plan fails to pay full arrears.


Mod Plan:611.12 X 4; 706 x 56; base.
payments:3/4
last claim:7-1.bar date:3/30/20
Matter ResolvedRequest
Adjourment
1655/27/2020 10:00 am20-10910 / MBKTHOMAS J ORR ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 6 required payments   Arrears: $608.00  Total Paid In: $800.00
AS OF 5/26/20 (at):

RECOMMEND: $600 PAID TO DATE, $304 x 14 BEGINNING 6/1/2020, $200 x 42 BEGINNING 8/1/2021, BASE
Rent arrears and attorney's fees will be paid within the first 18 months.
Need order resolving Northgate Village objection within 30 days of confirmation.

1. Objection filed by Northgate Village Apartments (Weishoff and Richards) - plan does not provide for a prompt cure of rental arrears. (UNRESOLVED)

Trustee's objection:
The debtor has failed to file a feasible plan
The debtor has failed to supply the Trustee with the following document(s):
- Need TD Bank statements for November and December. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)
- Need to resolve the estimated claim filed by the IRS. (NO LONGER ESTIMATED)
- Need to resolve objection by Northgate Village Apartments. (UNRESOLVED)

Plan Proposes: $200 x 60, $0 to guc's
Payments: 3/4, arrears $200
Matter ResolvedRequest
Adjourment
1665/27/2020 10:00 am20-11107 / MBKGEORGETTE MILLERConfirmation Hearing ScheduledDeniedDebtor has made 1 of 6 required payments   Arrears: $3,524.00  
AR PYMT POSTED
PER AR Debtor must make a good faith payment by 5/26 to receive adjournment ($611 received)


AS OF 5/21/20 (SF) - MP JUST FILED BUT NOT CURRENT 1/4 ARREARS:$1833. Modified plan proposes to capitalize arrears. Debtor lost most of his income due to health emergency and has applied for unemployment benefits.

1. Motion for Relief by WSFS Bank scheduled for 5/27/20 at 9

2. Objection filed by Real Time Solutions (Stern & Eisenberg) - failure to pay arrears of $30,267.49 (THIS IS A TOTAL DEBT CLAIM WHICH MATURES 7/2/22)

2. Northeastern Title Loans filed arrears claim 6-1 for $6278.38 which is not addressed in plan (OK TO PAY?)

3. IRS filed estimated priority claim 2-1 (MISSING 2019 RETURN NEED AMENDED CLAIM BY 8/15/20)

4. Trustee objection:
- File pre-confirmation certification

5. Debtor has insufficient income.

Plan proposes $611 x 60 Base
Payments: 1/4 Arrears: $1833
Matter ResolvedRequest
Adjourment
1675/27/2020 10:00 am20-11235 / MBKJOHN ZIMNIS, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $810.00
5/15 workup for the 5/27 calendar EDC

MP pays $3635 in non exempt assets.
*****CAN CONFIRM AT ****$540 paid then $135 x 56 beg. 6/1/20 min of $3635 to gucs


AS of 5/3/20(mk):

>>>MP (#23)Filed 4/24/20. HEARING DATE 5/27/20. NEEDS ADJ. REQUEST TO 5/27/20 OR W/D THIS PLAN #4.

1.Objection by Capital One(Mester)(W/D)
plan does not address/intention as to 2020 Toyota Camry? MP (#23) filed& treats -0- arrears.
2016 toyota was traded in for 2020 toyota.

2. Trustee Objection:
-need a current market analysis (Provided).
-need Updated auto insurance for 2020 toyota.
-As of now is $2,371.85 NE equity in real property.


Plan:$135 x 60 Dollar Base $3,635 .
payments:3/4
last claim:15-1, bar date:4/6/20
Matter ResolvedRequest
Adjourment
1685/27/2020 10:00 am20-11483 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
7/22/2020 10:00 am
Debtor has made 13 of 6 required payments   Arrears: $600.00  
issues as of 5/19/2020

1) 341 not held, rescheduled for 6/4/2020 - need to adjourn confirmation hearing
2) Not current with Trustee plan payments - arrears $1,930
3) Wells Fargo Bank (Shapiro DeNardo) objection to confirmation - CONSENT ORDER DOES NOT ADDRESS PRE PETITION ARREARS IN THE AMOUNT OF $2,666.68
-pre petition arrears $2,666.68
4) Toyota Motor Credit (Stewart) objection to confirmation - need to resolve
-not provided for in plan
5) US Bank (Romano) objection to confirmation - need to resolve
-arrears $144,819.84 - plan only proposes to pay $45,000
6) Not current with Trustee plan payments, arrears $1930

proposed plan $965x60 100% plan
paid in $1930
arrears $1930
last claim 6
Matter ResolvedRequest
Adjourment
1695/27/2020 10:00 am20-11504 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
7/14/2020 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $1,604.00  
issues as of 5/19/2020

1) Wilmington Savings Fund Society/JP Morgan Chase Bank (Fein) objection to confirmation - need to resolve
-arrears $32,587.64
2) Wells Fargo (Morton) objection to modified plan - need to resolve
-vehicle undervalued in plan
3) Capital One Auto Finance (Mester) objection to confirmation - need to resolve
-not treated in plan
4) Trustee objection to confirmation - need to resolve
-need a copy of the last filed tax return - 2019 by 8/30/2020
-need statement for 401(k) loan showing balance
-need a modified plan that provides treatment of 2nd mortgage held by HUD RESOLVED
-need Amendment to Form 122c to reflect a household 5, not 2
-excessive expense items $420/month cable/internet/phone; $385/month for childcare - need proof; $250/month for car insurance - per policy it is $153/month
-the debtor has failed to provide proof of service - need proof of service on Wells Fargo Dealer Services - cram down of Nissan
-need to file Pre Confirmation and Certification RESOLVED, FILED

proposed plan $802x60 0% plan
paid in $2406
arrears $802
last claim 10-1
Matter ResolvedRequest
Adjourment
1705/27/2020 10:00 am20-11632 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
8/12/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $350.00  
AS of 5/13/20(mk):


1. IRS- not in plan & Filed Estimated Claim - No returns filed 2016,2017,2018 & 2019.(STILL).

2.Trustee Objection:
- here is $2,867.62 in non exempt equity in the residence.(Mtg poc filed.-need to resolve the estimated claim filed by the IRS.
-need current homeowner's insurance .Policy provided expired 1/14/20.(Provided).

Plan:$350 X 36 BEG 2/20; BASE .
payments:3/4
last claim:8141, bar date:4/10/20
Matter ResolvedRequest
Adjourment
1715/27/2020 10:00 am20-11675 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 6 required payments   Arrears: $876.00  Total Paid In: $5,676.00
AS OF 5/19/20 (at):

RECOMMEND: $1,092 x 60 BEGINNING 2/1/2020, 100% TO GUC'S
Need 2019 tax return by 8/30/2020.

Trustee's objection:
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 by 8/15/20 (NOT RECEIVED YET)
- Need copies of bank statements for Bank of America per Schedule B for the period 60 days prior to filing. (NOT RECEIVED)
- Amendments to Schedules to include 2003 Ford Focus and 2005 Hyundai Accent and to include US Dept of HUD. (NOT AMENDED)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Income verifies higher at $2,043.62

Plan proposes: $1,092 x 60, $0 to guc's
Payments: 4/4
Matter ResolvedRequest
Adjourment
1725/27/2020 10:00 am20-11731 / MBKANDREW G. GREENBERG, ESQ.Confirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $646.00  
As of 5/26/20 (DS): Debtor attorney requested adjournment to file mod plan, Debtor current and homeowner insurance provided.

AR WILL CONSIDER ADJ IF PYMT AND INS RECEIVED
DEBTOR NOW CURRENT , INS SUBMITTED

As of 5/19/20 (DS): 1. Debtor in arrears $1,292, made 2 out of 4 payments, last payment $646 made 3/9/20.

2. Trustee obj to the following:
- Debtor has failed to file a feasible plan, plan payments are not enough to pay claims.
- Need Domestic Support Obligation information, copy of 2019 tax return, if not filed by 8/15/2020 and updated homeowner insurance, policy expired 4/24/20, if not confirmed.
- There is non-exempt equity on personal property $1,000.
- Need Trustee standard order of distribution.
- CVI SGP-Co Acquisition Trust/Sterling Jewelers filed secured claim 5 for $3,538.17, claim not treated in plan.
- Must file Pre-confirmation certificate.

Prop Plan $646 x 60 Base
Matter ResolvedRequest
Adjourment
1735/27/2020 10:00 am20-11776 / MBKBRIAN W HOFMEISTERConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $1,294.00  Total Paid In: $4,294.00
AS OF 5/26/20 (SF) UPDATED

RECOMMEND $3000 PTD, $1294 X 57 (BEGIN 6/1/20) BASE PLAN


Plan proposes $1000 x 60 Base
Payments: 3/3

RESOLVED ISSUES:
- File pre-confirmation certification. (FILED)
- A copy of the last filed tax return - 2019 Tax Return by 8/15/20. (RECEIVED)
- Need copies of most recent paystubs
- IRS filed estimated priority claim 1-1 (AMENDED)
- Trustee objection:
- Need a current market analysis - . The document provided is an appraisal receipt from a mortgage company in 2017. (BROKER'S OPINION RECEIVED W/COMPARABLES)
- Need proof of husbands unemployment income (PER ATTY, DEBTOR IS NOT WORKING NOR RECEIVING UNEMPLOYMENT)
- Amendments to Schedules to include all vehicles. (DEBTOR DOES NOT OWN ANY VEHICLES)
- Disposable income per Schedules I and J verify higher at 1,618.19.


Matter ResolvedRequest
Adjourment
1745/27/2020 10:00 am20-11786 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
6/2/2020 2:00 pm
Debtor has made 3 of 5 required payments   Arrears: $1,600.00  
per attorney all items uploaded EDC

AS OF 5/27/2020 (at):

CLAIMS FILED BY THE IRS AND STATE OF NJ ARE BOTH STILL ESTIMATED. NEED TO BE RESOLVED/AMENDED.

DEBTOR HAS ONLY MADE ONE TRUSTEE PAYMENT. PER NOTES, BUSINESS IS CLOSED DUE TO CORONA VIRUS. IS THE DEBTOR'S ATTORNEY GOING TO FILE A MODIFIED PLAN?

1. Objection filed by Wells Fargo (RAS Citron) - failure to cure arrears of $42,322.67(Per POC). (RESOLVED - PAY PER POC)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Amendments to Schedules to include Wells Fargo Bank Account. RENTAL AUTO AND ADD TO EXPENSES (ONLY SCHEDULE J AMENDED)
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):
- Excessive expenses on Schedule J: $299 for auto insurance. There are no cars listed in schedules. Car was repossessed. (AMENDED J FILED)
2. Income verifies higher at $1,036.53
1. Need copies of January 2020 statements for Navy Federal Credit Union and Wells Fargo. (RECEIVED)
2. IRS filed estimated priority claim. Need amended claim. (STILL ESTIMATED)
3. State of NJ filed estimated priority claim. Need amended claim. (STILL ESTIMATED)
4. Need proof of business insurance. (RECEIVED)

Plan proposes: $800 x 60, 0% to guc's
Payments: 1/3, arrears $1600
Matter ResolvedRequest
Adjourment
1755/27/2020 10:00 am20-11806 / MBKJoan Sirkis Warren Confirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 5/20/20 (SF)

1. Trustee objection:
- Need December and January bank statements for TD Savings Account ending in #2689. (STILL NEED)
- Need proof of $1,650/month for rent/housing. (NEED COPY OF DEED FOR RESIDENCE WHICH IS OWNED BY SPOUSE - DOCUMENT PROVIDED IS NOT THE RECORDED DEED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $2,200/month for home maintenance and rent/housing expense of 1650. Needs explanation/clarification with documented proof.
$365/month for health insurance (HEALTH INSURANCE DEDUCTED TWICE ON SCHEDULE J.)

- Excess income 2,351.90 - less Social Security $1619 = $732 disposable income. Above median so 60 months. (IF YOU REDUCE EXPENSES BY $2000 FOR HOME MAINTENANCE AND $365 OF DUPLICATE INSURANCE, THE NET INCOME IS NOW $1097.90)

The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution

CURRENTLY NEED $698.50 PTD, $1097 X 57 (BEGIN 6/1/20) BASE PLAN
- TRUSTEE STANDARD ORDER OF DISTRIBUTION



Plan proposes $200 x 60 Base
Payments: 3/3

RESOLVED ISSUES:
- A copy of the last filed tax return - 2019 by 5/31/2020. (Received)
Matter ResolvedRequest
Adjourment
1765/27/2020 10:00 am20-11810 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $2,511.00  Total Paid In: $6,609.00
As of 5/14/20(mk): - Atty ok with terms.sf


>>>IF paying POC in #1 for Mtg & #3 for IRS, THEN *** TO CONFIRM NEEDS $4,098 PTD, Then $2511 x 57 Begin 6/1/20: 100%;Trustee is authorized to pay IRS claim amended #1-2 for priority & Unsecured amounts as set forth in claim.
Student loans to be paid outside.***

1. Objection by Specialized Loan(Stewart legal Group): Plan pays so this should be resolved?
-plan fails to pay full arrears.

2.Trustee Objection:
-need 2019 tax return by 8/15/20.
-plan has excessive expense items, such as: $473 IRS payment (should be treated in plan), $799 student loan (need proof of payment),
$200 lawn maintenance. (100% Plan).
-Schedule I indicates debtor has been employed for 6 months, therefore the gross income
from employment on Form 122c should be much closer to the gross income figure on Schedule I. (100% Plan).
- Debtor is not devoting all scheduled disposable income (minus SSI) to the plan. (100% Plan).
- Plan does not specify treatment of the IRS priority claim under the Plan. - ADD LANG- OK TO PAY?
-POCs filed by mtg & IRS- No NE Equity
need copy of the homeowner's insurance renewal declaration - with liability coverage.(Provided).

3. IRS Filed Estimated Claim.( Amended)- no fixed priority & guc .amts)


Plan:1366 X 60 BEG 3/20; 100%.
Payments:1/1
last claim:4-1,bar date:
Matter ResolvedRequest
Adjourment
1775/27/2020 10:00 am20-11850 / MBKKarina Pia Lucid Confirmation Hearing ScheduledContinued
7/22/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $549.00  
Matter ResolvedRequest
Adjourment
1785/27/2020 10:00 am20-11908 / MBKJAY B FELDMANConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $141.00  
AS OF 5/22/20 (SF) - Debtor husband passed, need to file modified plan and resolve objections

1. Objection filed by Wells Fargo (Phelan) - failure to pay arrears of $5174.80 (2nd mortgage)

2. Credit Union of NJ is current and outside plan

3. Trustee objection: (PLAN WILL REQUIRE 100%)
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - : 2019 by 8/15/2020.
- Need a statement for the debtor's 403b loan.(RECEIVED, LOAN IS PAID. ADDITIONAL $312 AVAILABLE)
- Amendments to Schedules : Amend schedules for life insurance proceeds from the estate of the debtor's husband. - Amend Sch I to remove income for debtor's husband. (STILL NEED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$177/month for timeshares (these are luxury items) $600/month for utilities $506/month for taxes (need proof)
- There is $11,341 in non exempt equity in the timeshares.
- There is $22,716 in non exempt equity in her personal property. ($20,899 in bank accounts and $1,817 in the 2011 Hyundai)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution.
- Need to file Pre-Confirmation Certification

Plan proposes $607 x 60 Base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1795/27/2020 10:00 am20-11912 / MBKEric ClaymanConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 2 of 5 required payments   Arrears: $1,345.00  
5/26/20(mk) MP filed - ON FOR 6/24/20.


As Of 5/14/20(mk):
>>AT Last Hearing in April, Said MP To Be Filed. As Of This date. No MP<<

1. Objection by Cap.One Auto(Mester):OBJ W/D by status Chg.#37on 5/21/20.
Is plan going to be amended to surrender 2009 Nissan?

2. Plan has 1 car creditor-Real USA Finance- says current- 3 car creditors have filed arrears claims: AFS Acceptance on 2016 Audi($1,050), American Credit Acceptance on 2015 Audi(28,148)& Cap. One on 2009 Nissan(13,974.60).

3.IRS POC has EST. Part for 2019. No return- needs amended POC .

4. Per plan claim for Landlord- 20,000-NO POC- STRIKE OR ARE YOU GOING TO FILE CLAIM & MOTION?

5. Trustee Objection:
-need proof of rent.
- Modified Plan that surrenders 2009 Maxima & addresses other auto claims.
-Verified income leaves monthly disposable income of 738.59.
- The Plan fails to provide for a prompt cure of rental arrears.
-need to file Pre-Confirmation Certification.
-need to resolve Objection filed by Capital One Auto.
-need 2019 return ( Provided).
-need statements for the debtor's two 401k loans. (Provided).
Plan:520 X 60 BEG 3/20; $0
payments:2/3
last claim:31-1, bar date:4/14/20
Matter ResolvedRequest
Adjourment
1805/27/2020 10:00 am20-11952 / MBKSCOTT E KAPLAN ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 5/20/2020 (at):

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

2. Ford Motor Credit filed a secured arrears claim #2 in the amount of $469 which is not in the plan. Is it ok to pay this claim?

3. Toyota Motor Credit filed a secured arrears claim #11 in the amount of $275 which is not in the plan. Is it ok to pay this claim?

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2019 by 7/31/20. (NOT RECEIVED YET)
The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on lien Avoidance motions. (CERT OF SERVICE NOT FILED)
- must file pre conf cert. (NOT FILED)

Plan proposes: $213 x 36, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1815/27/2020 10:00 am20-11986 / MBKCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $406.00  
AS OF 5/20/2020 (at):

1. Objection filed by Bank of NJ Mellon/PHH Mortgage (RAS Citron) - failure to cure pre-petition arrears of $429,851.32. (UNRESOLVED)

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 (NOT RECEIVED - NEED BY 8/30/2020)
The debtor has failed to provide proof of service with respect to Plan Motion(s).
- certification is not filed (CERT OF SERVICE NOT FILED)
-need to resolve The Bank of New York Mellon Trust Company objection to confirmation (UNRESOLVED)
-In the case of dismissal there should be a 1 year bar to re-filing.

Plan proposes: $205.19 x 60, base, loan mod by 8/2020
Payments: 3/3
Matter ResolvedRequest
Adjourment
1825/27/2020 10:00 am20-12057 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
6/10/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $0  

issues as of 5/19/2020

MODIFIED PLAN FILED AND SCHEDULED FOR CONFIRMATION 6/10/2020

1) New Jersey Housing and Mortgage Finance Agency (Pluese) objection to confirmation - need to resolve
-approximate arrears $10,000
2) Trustee objection to confirmation - need to resolve
-the debtor is not paying all disposable income into plan - income verified higher DISPOSABLE NET IS 2,417.09 (Note at 341, codebtor laid off from part time job, need amended schedule I&J) ADJUSTING INCOME DUE TO PART TIME JOB LAYOFF, DISPOSABLE INCOME WOULD BE $2,005.57
3) Based on codebtors full time job paystub, it appears there is an error on Schedule I. Schedule I lists income $1,903.19 - the average paystub is $1,703.19 per pay period which is $3,712.65/monthly.

paid in $103x60 loan mod 6 months
paid in $309
last claim 27-1

RESOLVED TRUSTEE ISSUES:
-need proof of DSO income PROVIDED
-need a modified plan that completes Part 5b RESOLVED
-need copy of 401k loan statement PROVIDED
-must file pre confirmation certification RESOLVED, FILED
Matter ResolvedRequest
Adjourment
1835/27/2020 10:00 am20-12198 / MBKJOAN S. WARREN, ESQ.Confirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $2,000.00
adjournment request denied, need consent of objecting creditor
issues as of 5/18/2018

1) Nationstar Mortgage/Mr. Cooper (RAS Citron) objection to confirmation - need to resolve
-approximate arrears $43,067.33
2) Trustee objection to confirmation - need to resolve
-need a current market analysis for the Morristown property
-need a copy of the homeowners insurance renewal declaration for the Morristown property
-need mortgage payoff for the Morristown property
-the plan must be a 100% plan due to the equity in the debtors properties
-must file pre confirmation certification

proposed plan $400x36 sale/refi by 8/31/2021 100% plan
paid in $1200
last claim 4
Matter ResolvedRequest
Adjourment
1845/27/2020 10:00 am20-12224 / MBKMark K. Smith, Esq.Confirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 14 of 5 required payments   Arrears: $0  
Total Paid In: $650.00
AS OF 5/20/2020 (at)

NEED TO ADJOURN THIS HEARING TO 6/24/2020 (DATE OF MODIFIED PLAN) OR WITHDRAW PLAN (DOCKET #12)

Objection filed by Lakeview Loan Servicing (KML) - failure to cure full arrears of $13,906.31. (Per POC) (MATTER HAS BEEN SETTLED PER STATUS CHANGE FORM 5/20/20. NEED ORDER/TERMS)

Matter ResolvedRequest
Adjourment
1855/27/2020 10:00 am20-12225 / MBKOTTO J KOSTBAR, ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $150.00  
AS OF 5/20/2020 (at):

1. Objection filed by Beaver Brook Condo Association (Griffin) - plan is silent as to creditor. Claim filed is for $5,783 secured and $1,416.75 unsecured. (bifurcated claim)

2. Objection filed by Ford Motor Credit (Morton) - failure to cure full arrears of $665.56.

3. Bank of New York Mellon filed a secured arrears claim #9 in the amount of $25,926.59. Plan proposes to pay $174.36. Is it ok to pay this claim?

4. Ford Motor Credit filed a secured arrears claim # 1 in the amount of $665.56. Plan proposes to pay $326. Is it ok to pay the higher claim?

5. Trustee's objection:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $5,425 for spouse when determining disposable income. (AVERAGED/ADDED TO INCOME)
- must file pre conf cert (FILED)

Plan proposes: $200 x 60, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1865/27/2020 10:00 am20-12247 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $3,400.00  Total Paid In: $4,800.00
As of 5/27/20(mk):updated- atty ok to terms

>>To Resolve excess exp. in TR Obj. ***CAN REC. CONFIRM AT $4,800 PTD, THEN $1,700 x 57, Begin 6/1/20:Base; Trustee is authorized to pay secured claim #3-1 of Credit Acceptance through the plan; Trustee std. order of distribution. ;must file pre conf cert w/in 10 days.***


1. Plan has Credit Acceptance as Unaffected- Arrears POC $5,048.76- OK TO PAY?(Per ATTY PAY

2. Trustee Objection:
-above median case- needs to run 60 mos.
-plan has excessive expenses$1,000 charity (need proof).
-Trustee std. order of distribution.
-must file pre conf cert.
- need proof of alimony payments( Divorce Agmt provided)

3. Objection by Deutche Bank(RAS): RESOLVED-OTBS- PAY POC AMT.
-Plan fails to pay arrears $75,820.74- Plan had "unknown


Plan:1600 X 36 BEG 3/20; BASE.
Payments:3/3
last claim:6-1, bar date:4/21/20
Matter ResolvedRequest
Adjourment
1875/27/2020 10:00 am20-12255 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 2 of 5 required payments   Arrears: $600.00  
As of 5/26/20 (DS): Debtor attorney requested adjournment, due to 341 not held, Debtor needs interpreter. Adjourned to date to mod plan filed.

341 Hearing was suspended on 5/14/20 because DM determined that the debtor needed an interpreter, must scheduling 341 and submit confirmation adjournment request.
Matter ResolvedRequest
Adjourment
1885/27/2020 10:00 am20-12436 / MBKMICHELLE LABAYENConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 5/20/2020 (at):

1. The attorney's fees in the plan ($2,000) and the disclosure statement ($2,750) do not agree. One of these must be amended.

2. Plan states that vesting of the estate is upon discharge. Debtor must provide proof that the trustee is a loss payee on all insurance policies (real estate and auto) or the confirming plan must state that vesting is upon confirmation.

3. 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 8/15/20. (NOT RECEIVED YET)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Automobile payments of $670 and $690 for their Volvo and Mercedes.
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 $41,400 in equity in the residence (THERE IS NO EQUITY - 2 MORTGAGES)
- The 22c form is incorrect. The debtor is over the median income and must complete the form in its entirety. (NOT COMPLETED/AMENDED)
- The debtor must provide the pension loan balance statement for her spouse. (NOT RECEIVED)
- Confirming order must provide for all non-exempt proceeds from potential personal injury claim. (LANGUAGE ADDED)

Plan proposes: $275 x 60, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1895/27/2020 10:00 am20-12518 / MBKLAWRENCE L ABT III ESQConfirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $626.00  
AS OF 5/20/2020 (at):

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

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - Feb & March stubs for Wawa. (NOT RECEIVED)
- A copy of the last filed tax return - 2019 by 8/31/20. (NOT RECEIVED)
- Need a statement for the whole life insurance policy. (NOT RECEIVED)
- Need December and January bank statements for Municipal CU Savings acct. (RECEIVED)
- A Modified Plan that addresses treatment of 2nd mortgage held by HUD. (NOT FILED)
- Amendments to Schedules I to add child support. (NOT AMENDED)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Verified income leaves monthly disposable income of $1,968.68. Need update proof from Part time job at WAWA as hours are reduced and 2019 Tax refund likely will be lower. (NOT RECEIVED)
- Need to file Pre-Confirmation Certification. (NOT FILED)
- The attorney's fees in the plan and the disclosure statement do not agree. Disclosure states that fees of $4,200 will be paid outside of the plan. Plan states $4,200 will be paid through the plan. (NEITHER AMENDED)

Plan proposes: $626 x 60, 0% to guc's
Payments: 3/3
Matter ResolvedRequest
Adjourment
1905/27/2020 10:00 am20-12528 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
8/4/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $500.00  
AS OF 5/19/20 (at):

1. Objection filed by SN Servicing/US Bank (Friedman Vartolo) - failure to cure arrears of $83,478.56 (Per POC) (UNRESOLVED)

2. Trustee's objection:
The debtor has insufficient income to fund the plan..
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 8/15/20. (NOT RECEIVED YET)
- must address objection by SN Servicing. (UNRESOLVED)
- Any dismissal of this case should trigger a one year bar to refiling because this is the debtor's 3rd filing in 3 years.

Plan proposes: $400 x 36, loan mod by 9/1/2020, base
Payments: 2/3, arrears $300
Matter ResolvedRequest
Adjourment
1915/27/2020 10:00 am20-12562 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledDeniedDebtor has made 3 of 5 required payments   Arrears: $840.00  

MP BY 6-10 AS OF 5/19/20 (at):

1. Objection filed by New Rez (Hill Wallack) - failure to cure arrears of $240,926.97 (Per POC) (UNRESOLVED)

2. Global Lending filed a secured arrears claim #3 in the amount of $140.34 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):
- 2 months bank statements from TD Bank checking acct prior to filing date. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Car payment $612. Will be moot since plan is proposing 100%.
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- 22c has disposable income and proof of income also verifies higher. Will be moot since plan is proposing 100%.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $8,817 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- Bank statement from Wells Fargo checking/savings account prior to filing date. (NOT RECEIVED)
- Must file Pre-confirmation certificate. (FILED)

Plan proposes: $420 x 60, 100% to guc's, loan mod by 10/31/2020
Payments: 3/3
Matter ResolvedRequest
Adjourment
1925/27/2020 10:00 am20-12680 / MBKSTEPHANIE SHRETER, ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $700.00  
AS OF 5/19/2020 (at):

1. Objection filed by Nationstar Mortgage/Champion Mortgage (Robertson, Anschutz) - failure to cure arrears of $21,652.35 (Per POC) (UNRESOLVED)

2. Trustee's objection:
The debtor has insufficient income to fund the plan..
- Need to file Pre-Confirmation Certification. (NOT FILED)
- The dismissal of this case should trigger a one year bar to re-filing. This is the debtors 4th filing in 4 years.

Plan proposes: $400 x 60, 100% to guc's
Payments: 2/3, arrears $300

Matter ResolvedRequest
Adjourment
1935/27/2020 10:00 am20-14234 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
8/4/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $700.00  
issues as of 5/18/2020

1) 341 not held, not rescheduled --June 18 341
2) Current with Trustee plan payments
3) IRS priority claim estimated for 2018 and 2019 tax returns
Matter ResolvedRequest
Adjourment
1945/27/2020 10:00 am20-14443 / MBKRYAN L GENTILEConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $1,120.00  Total Paid In: $1,794.00
5/19/20(mk) : 1 payment posted. MP(#17)on for 6/24/20.

341 now on for 6/11/20

NO PAYMENTS- adj requested but cannot adj w/o posting of a payment.
Matter ResolvedRequest
Adjourment
1955/27/2020 10:00 am20-14448 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledWithdrawnDebtor has made 3 of 4 required payments   Arrears: $200.00  
As of 5/14/20 (DS): 341 sched 5/28/20 and mod plan filed and sched 6/10/20, no payments made out of 2, arrears $400. Recommend Debtor getting current then submitting confirmation adjournment request.
Matter ResolvedRequest
Adjourment
1965/27/2020 10:00 am20-14697 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $400.00  
AS OF 5/18/20 (SF)

1. MUST REQUEST ADJOURNMENT OF CONFIRMATION HEARING
2. 341 NOT HELD - RESCHEDULED TO 6/4/20
3. PAYMENTS: 1/2 ARREARS: $200
Matter ResolvedRequest
Adjourment
1975/27/2020 10:00 am20-14800 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/22/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $569.00  
341 Now on for 6/4/20. NEEDS REQUEST TO ADJ. THIS CONF. HEARING
Matter ResolvedRequest
Adjourment
1985/27/2020 10:00 am20-14825 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 5/21/20 (at):

1. NJ Division of Taxation filed a secured claim #9 in the amount of $1,310.12 which is not in the plan. Is it ok to pay this claim? (PER ATTORNEY, OK TO PAY 5/22/20)

2. Objection filed by Freedom Mortgage (Phelan) - failure to cure arrears of $439.82 (Per POC). (PER ATTORNEY, RESOLVED AND CLAIM WILL BE PAID. AWAITING CONSENT ORDER)

3. Trustee's objection:
The debtor has insufficient income .
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - (update on all income for past 2 months and proof of wife's unemployment) (NOT RECEIVED)
- A copy of the last filed tax return - for 2019 Tax return. (NOT RECEIVED YET - DUE BY 8/30/2020)
- 401(k) Loan balance statements for two loans, prior to filing date. (NOT RECEIVED)
- Amendments to Schedules Statement of Financial Affairs to list all Debtors prior businesses including Elite Sports Systems. (NOT AMENDED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Childcare $420, Medical/dental $491 and Transportation $620.
- Must resolve IRS estimated claim. (STILL ESTIMATED)
- Must resolve creditor objection. (UNRESOLVED)
- Must file Pre-confirmation certificate. (NOT FILED)

Plan proposes: $334 x 60, $0 to guc's
Payments: 2/2

Matter ResolvedRequest
Adjourment
1995/27/2020 10:00 am20-14827 / MBKROBERT MANCHEL ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $760.00  
As of 5/21/20 (DS): Debtor attorney requested adjournment to gather info needed

As of 5/19/20 (DS): 1. Trustee obj to the following:
- Need to provide proof of $300 for spouses monthly debt.
- Plan needs to provide updated proof of spousal income within 6 months
- Debtor needs to sign a certification agreeing to cease gambling during the pendency
of the case.

2. Must resolve IRS estimated claim, 2015 tax return not filed.

3. Must file Pre-confirmation certificate.

Prop Plan $760 x 60 Base
Matter ResolvedRequest
Adjourment
2005/27/2020 10:00 am20-14834 / MBKANDREW B FINBERG ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $2,090.00
UPDATED 5/26/3030

****OK TO CONFIRM AT $1,000 PAID TO DATE, $545X58 BEGIN 6/1/2020 WHICH INCLUDES MINIMUM $23,846 TO GUCS
-NEED TO FILE PRE CONFIRMATION CERTIFICATION WITHIN 10 DAYS OF CONFIRMATION

issues as of 5/18/2020

1) Trustee objection to confirmation - need to resolve
-need a copy of the homeowner's insurance renewal declaration - for property located in West Virginia - SURRENDERING PROPERTY IN PLAN
-need copies of TD Bank Savings Account Statement for February and March of 2020 Account ending 1701 RESOLVED, PROVIDED
-the debtor is not paying all disposable income into the plan pursuant to either - excessive expenses on Schedule J; $689 auto payment; $300 pet care; $200 anxiety management /medications (need documented proof) CAR PAYMENT EXCEEDS $508 ALLOWANCE, OTHER EXPENSES ALLOWED PER PROOF PROVIDED
-excessive deductions per 122c line 28 $88 additional home energy costs (need documentation) OK
-disposable income per line 45 of 122c will require minimum dividend to general unsecured creditors NEED $23,846 TO GUC'S
-disposable income verifies higher at $852.44 SUPPORTS DEBTORS ABILITY TO MAKE HIGHER PAYMENT
-need to file pre confirmation certification ADD NOTE TO CONFIRMATION ORDER
-need proof of insurance for 2015 Yamaha RESOLVED, PROVIDED PROOF OF INSURANCE
-need certification regarding the large deposits and withdrawals from TD Bank account in February and March of 2020 RESOLVED PER CERTIFICATION
-need proof that large deposits into the savings account were for student loans RESOLVED PER CERTIFICATION

proposed plan $500x60 base
paid $1000
last claim 9
Matter ResolvedRequest
Adjourment
2015/27/2020 10:00 am20-14856 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $189.00  Total Paid In: $483.00
AS OF 5/20/20 (SF) - Adj to after bar date.


1. Trustee objection:
- A copy of the last filed tax return - : 2019 tax returns by 8/15/20. (RECEIVED)
- Need 401k loan statement.; DSO FORM
- The current Plan does not specify treatment of the IRS (priority) under the Plan.
- 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).
- All non-exempt proceeds from debtor's personal injury claim(s) should be turned over to the Trustee.

Plan proposes $150 x 60 Base
Payments: 2/2



Matter ResolvedRequest
Adjourment
2025/27/2020 10:00 am20-15186 / MBKWARREN S JONES, JR ESQConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $2,612.00
AS of 5/21/20(mk): needs to be adj due to MP filed 5/20/20 & 2nd MTg claim, when docketed changes T/H.

1. Objection by Santandr(Phelan): PER ATTY -PAY POC
plan fails to pay full POC amt.

2. Objection By Northfiled Bank(Maselli): Resolved- OTBS-pay $15,485.29.
- plan fails to pay full poc amt

3.Trustee objection: T/H changed wirh POC form Northfiled & MP filed 5/20/20- Needs review.
-debtor has insufficient income. Verified income leaves $433.19 p/m.( Response disagrees & debtor is current)
-there is $11,023.35 in non exempt equity in the residence.( plan div is $14,904.89. Will preserve T/H).
-need to file Pre-Confirmation Certification.


Plan: MP 660 x 2;632 x 58;min $13,274.
payments:2/2
last claim:6-1, bar date:6/9/20
Matter ResolvedRequest
Adjourment
2035/27/2020 10:00 am20-15234 / MBKPETER E ZIMNIS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $632.00  Total Paid In: $1,000.00
AS OF 5/26/20 (at):

RECOMMEND: $500 PAID TO DATE, $566 x 35 BEGINNING 6/1/2020, 100% TO GUCS
(Increase due to income verifying higher)
Need Pre-confirmation Certification within 10 days of confirmation
Need order resolving objection by Lakeview Loan within 30 days of confirmation
Loan modification by 8/1/2020.
Claim #2 will not be paid through the plan.

1. Objection filed by Lakeview Loan Servicing (Stern) - plan is underfunded. Debtor proposes to pay $500 x 36 and mortgage arrears are $50,093 so they will not be cured if a loan mod is not approved. (PER E-MAIL FROM CREDITOR ATTORNEY, OBJECTION RESOLVED. NEED TERMS THOUGH)

2. Trustee's objection:
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
-income verified higher than scheduled.
-Lakeview Loan Servicing LLC objection to confirmation - need to resolve (UNRESOLVED)

Plan proposes: $500 x 36, base, loan mod by 12/31/20
Payments: 1/1
Matter ResolvedRequest
Adjourment
2045/27/2020 10:00 am20-15276 / MBKDANIEL L. REINGANUMConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $1,010.00  
As of 5/21/20 (DS): Debtor attorney requested adjournment to pass bar date.

As of 5/19/20 (DS): Need to confirm at $505 paid, $617 x 59 begin 6/1/20 100% with a minimum of $78,020.92 to gucs due to non-exempt equity on real property and Section 4c to be stricken

Prop Plan $505 x 60 100%
Note: Need to confirm at 100% with non-exempt equity on real property.
Matter ResolvedRequest
Adjourment
2055/27/2020 10:00 am20-15282 / MBKMICHAEL P OTTO ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 5/18/2020

1) M&T Bank (Parker McCay) objection to confirmation - need to resolve
-mortgage arrears 424,121.29
2) Trustee objection to confirmation - need to resolve
-need proof of current auto insurance, current policy expired 5/8/2020
-the debtor is not paying all disposable income into the plan - excessive expenses of Schedule J; $910 transportation; disposable income verifies at $1,006.51
-the debtor has failed to provide proof of service with respect to plan motions - American Express
-the debtors plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution
-file pre confirmation certification
-need copy of spouses 401k loan statement

proposed plan $360x60 base plan loan mod by 11/1/2020
paid in $360
last claim 5


Matter ResolvedRequest
Adjourment
2065/27/2020 10:00 am20-15287 / MBKTHOMAS G. EGNERConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $761.00  
AS OF 5/18/20 (SF)

1. 341 NOT HELD - RESCHEDULED TO 5/28/20
2. PAYMENTS: 1/1
Matter ResolvedRequest
Adjourment
2075/27/2020 10:00 am20-15341 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
6/10/2020 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,400.00  
get 341 and we will adj past 6/10 EDC

AS OF 5/15/2020 (at):

1. 341 has not been held or rescheduled
2. Payment POSTED
Matter ResolvedRequest
Adjourment
2085/27/2020 10:00 am20-15380 / MBKJOHN ZIMNIS, ESQConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $15.00  Total Paid In: $705.00
5/25/20(mk): atty disputes mtg POC as to balance; He got a payoff from Wells Fargo as of 5/22/20 and that balance $39,433.42. Per AR ok to use higher bal form payoff. Reduces T/H to $5,170.57 674 in bk acct=$5844.57. So Now **TERMS are $470 PTD, THEN $243 x 35, Begin 6/1/20:Base w/ min $5,844.57 to gucs due to NE Equity in Real Property & Personal Property.***


1. Wells Fargo on Mtg. filed POC arrears $95.93- OK TO PAY?
2. Trustee Objection:
-There is non-exempt equity on real property $5,170.57, Checking account $674
total $75,844.57HIS IS T/H to gucs.
- Arrears claim filed by Wells Fargo $95.93.
- Must file Pre-confirmation certificate.(filed).
-Proof of cash value for Life Insurance ( Provided).

Plan:235 x 36: $5603 base.
payments:2/1
last claim:3-1, bar date:6/16/20
Matter ResolvedRequest
Adjourment
2095/27/2020 10:00 am20-15477 / MBKS DANIEL HUTCHISON ESQConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $809.00  Total Paid In: $1,567.00
AS OF 5/18/20 (at):

RECOMMEND: $775 PAID TO DATE, $792 x 59 BEGINNING 6/1/2020, BASE, LOAN MOD BY 9/30/2020
Need Pre-Confirmation Certification within 10 days of confirmation.

1. Objection filed by SPS Loan/US Bank (Frenkel) - failure to cure arrears of $37,996.58 (Per obj - no POC yet) (MOD PLAN PAYS ARREARS - NO OBJ TO MOD PLAN)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - document provided fails to include comps or show value amount other than handwritten figure on front page (RECEIVED)
- 2019 State NJ tax return, refund listed in amended Schedule I as income (RECEIVED)
- Disclosure of Attorney Compensation states the fee of $4,750 will NOT be paid through plan, while the plan states $4,750 will be paid through plan (AMENDED DISCLOSURE FILED)

MP (before confirmation) proposes: $792 x 60, base, loan mod by 9/30/2020
Payments: almost 1/1, arrears $17
Matter ResolvedRequest
Adjourment
2105/27/2020 2:00 pm15-14070 / MBKAllen I. Gorski, Esq.Motion CompensationGranted
Per Chambers - motion will be On the Papers

Debtor obj<<<>>>
Matter ResolvedRequest
Adjourment
2115/27/2020 2:00 pm15-24829 / MBKAllen I. Gorski, Esq.Motion CompensationGrantedTotal Paid In: $180,760.00
Matter ResolvedRequest
Adjourment
2125/27/2020 2:00 pm16-10217 / MBKAllen I. Gorski, Esq.Motion CompensationGrantedTotal Paid In: $21,690.00
Matter ResolvedRequest
Adjourment
2135/27/2020 2:00 pm17-26944 / MBKAllen I. Gorski, Esq.Motion CompensationGrantedTotal Paid In: $38,332.00
Matter ResolvedRequest
Adjourment
2145/27/2020 2:00 pm17-30070 / MBKAndrew Thomas Archer Motion CompensationGrantedTotal Paid In: $55,993.00
Matter ResolvedRequest
Adjourment
2155/27/2020 2:00 pm18-22236 / MBKDAVID G BESLOW, ESQMotion CompensationGrantedTotal Paid In: $4,800.00
Matter ResolvedRequest
Adjourment
2165/27/2020 2:00 pm18-24153 / MBKWILLIAM S WOLFSON, ESQMotion CompensationGrantedTotal Paid In: $26,690.00
Matter ResolvedRequest
Adjourment
2175/27/2020 2:00 pm18-32478 / MBKWILLIAM S WOLFSON, ESQMotion CompensationGrantedTotal Paid In: $28,437.00
Matter ResolvedRequest
Adjourment
2185/27/2020 2:00 pm19-10643 / MBKAndrew Thomas Archer Motion CompensationGrantedTotal Paid In: $7,340.00
Matter ResolvedRequest
Adjourment
2195/27/2020 2:00 pm19-11015 / MBKJOHN J SCURA, IIIMotion CompensationGranted
Matter ResolvedRequest
Adjourment
2205/27/2020 2:00 pm19-25111 / MBKMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $8,709.00
$6900 fee EDC
Matter ResolvedRequest
Adjourment
2215/27/2020 2:00 pm19-33268 / MBKEdward Hanratty, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment
2225/27/2020 2:00 pm19-33520 / MBKAllen I. Gorski, Esq.Motion CompensationGrantedTotal Paid In: $1,250.00
5084 initial fee- ok
Matter ResolvedRequest
Adjourment
2235/27/2020 2:00 pm20-13681 / MBKPRO SEOrder Show CauseMoot - Dismissed
FILING FEES
Matter ResolvedRequest
Adjourment
2245/27/2020 2:00 pm20-13732 / MBKPRO SEOrder Show CauseMoot - Dismissed
FILING FEES
Matter ResolvedRequest
Adjourment
2255/27/2020 2:00 pm20-13981 / MBKPRO SEOrder Show CauseDismissed
MISSING DOCS
Matter ResolvedRequest
Adjourment
2265/27/2020 2:00 pm20-13981 / MBKPRO SEMotion to Extend TimeMoot - Dismissed
AMT: Telephonic hearing<<>>
MTN TO EXTEND TIME TO FILE MISSING SCHEDULES --cant get certain docs from work due to covid closure
Matter ResolvedRequest
Adjourment
2275/27/2020 2:00 pm20-14509 / MBKPRO SEOrder Show CauseMoot - Dismissed
FILING FEES
Matter ResolvedRequest
Adjourment
2285/27/2020 2:00 pm20-15234 / MBKPETER E ZIMNIS, ESQOrder Show CauseWithdrawnTotal Paid In: $1,000.00
FILING FEES
Matter ResolvedRequest
Adjourment
2295/27/2020 2:00 pm20-15333 / MBKHARRISON ROSS BYCKOrder Show CauseMoot - Dismissed
FILING FEES
Matter ResolvedRequest
Adjourment
2305/27/2020 2:00 pm20-16010 / MBKYAKOV RUDIKHOrder Show CauseWithdrawn
FILING FEES
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes