Judge Michael B. Kaplan
Hearing Date: 6/10/2020
Hearing Count: 155
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
06/10/2020 8:30 am20-14335 / SLMSCOTT D SHERMAN ESQNEWARK - Confirmation HearingContinued
6/24/2020 8:30 am
Debtor has made 1 of 4 required payments   Arrears: $270.00  Total Paid In: $300.00
AS OF 5/6/20 (SF) - Atty to request adjournment. - MP scheduled for 6/24/20

1. The plan proposes to pay the IRS outside the plan. (NEED CONSENT ORDER)
AR N/A PER MOD PLAN PAY IRS POC IN PLAN

2. Trustee objection:
- Proof of 2 month's income - from family trust account and party planning business (1099 Form). (1099 RECEIVED. THERE IS NEGATIVE INCOME)
- Trust account documents, and 2 months bank statements from checking acct with TD Bank prior to filing date.
The debtor(s) plan consists of unnecessary or excessive expense items, such as: IRS $150 (requires consent order with IRS).
AR N/A MOD PLAN PAYS PER POC IN PLAN



Plan proposes $100 x 36 Base
Payments: 1/2 Arrears: $100

RESOLVED ISSUES:
- Must file Pre-confirmation certificate. (FILED)
- Must resolve IRS estimated claim - CLAIM AMENDED
Matter ResolvedRequest
Adjourment
16/10/2020 9:00 am15-18760 / MBKJAMES J CERBONE, ESQCreditor Certification of DefaultOrder to be SubmittedTotal Paid In: $44,415.00
AR PLAN COMPLETE PENDING AUDIT
SN SVS (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
26/10/2020 9:00 am15-27848 / MBKPATRICK MOSCATELLO, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $43,709.00
SV/NEWREZ #1-1; ARREARS
Matter ResolvedRequest
Adjourment
36/10/2020 9:00 am15-29756 / MBKDAVID G BESLOW, ESQMotion for Relief From StayContinued
8/4/2020 9:00 am
Total Paid In: $45,988.00
NFA

RELISTED-3/14/18 HEARING WAS OTBS<<>> Debtor obj<>WELLS FARGO (Phelan)
Matter ResolvedRequest
Adjourment
46/10/2020 9:00 am16-11227 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $13,235.00
Debtor obj<>P MORGAN MTG (ROMANO GARUBO)
Matter ResolvedRequest
Adjourment
56/10/2020 9:00 am16-16965 / MBKCANDYCE I SMITH-SKLAR, ESQMotion Relief from Stay (Fee)WithdrawnTotal 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
66/10/2020 9:00 am16-33412 / MBKROBERT C NISENSON ESQMotion Relief from Stay (Fee)DeniedTotal Paid In: $16,830.00
Debtor obj<>SELECT PORTFOLIO SERVICING (FRENKEL LAMBERT WEISS)
Matter ResolvedRequest
Adjourment
76/10/2020 9:00 am17-15223 / MBKKurt E. Reinheimer, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $62,797.00
JPMORGAN CHASE (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
86/10/2020 9:00 am17-20627 / MBKDavid Jerome WitherspoonMotion Relief from Stay (Fee)Continued
6/24/2020 9:00 am
Total Paid In: $54,049.00
BAYVIEW LOAN SERVICING (SCHILLER, KNAPP, LEFKOWITZ)
Matter ResolvedRequest
Adjourment
96/10/2020 9:00 am17-23389 / MBKWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $6,317.00
Debtor is current
Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
106/10/2020 9:00 am17-32636 / MBKROBERT C NISENSON ESQOrder Shorten TimeGrantedTotal Paid In: $23,250.00
OST - MTN TO PURCHASE REAL PROPERTY
- Who is co-debtor that is paying closing costs and additional housing expense associated with mtg?
- No income contribution was ever provided for this co-debtor.
- No estimated mtg payment in Commitment Letter
- Proposed order does not address whether confirmed plan payment is impacted
- need motgage application and supporting docs
Matter ResolvedRequest
Adjourment
116/10/2020 9:00 am17-33506 / MBKEugene D. Roth Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $26,187.00
WILMINGTON SAVINGS (PARKER MCCAY)
Matter ResolvedRequest
Adjourment
126/10/2020 9:00 am18-10141 / MBKALEXANDER J RINALDI, ESQHearing re Sheriff SaleOrder to be SubmittedTotal Paid In: $4,800.00
SCH BY COURT NOTE TR MTD ON FOR 7-28
PLANET HOME LENDING REQUEST FOR HEARING RE SHERIFF SALE (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
136/10/2020 9:00 am18-12714 / MBKLEE M PERLMAN, ESQMotion Relief from Stay (Fee)Continued
7/8/2020 9:00 am
Total Paid In: $7,396.00
Debtor obj<>U.S. BANK NAT'L (McCALLA)
Matter ResolvedRequest
Adjourment
146/10/2020 9:00 am18-14105 / MBKKevin Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $18,612.00
SV/BOA #6-1
Matter ResolvedRequest
Adjourment
156/10/2020 9:00 am18-14744 / MBKGeorge E Veitengruber IIIMotion Relief from Stay (Fee)GrantedTotal Paid In: $6,632.00
WILMINGTON SAVINGS (HILL WALLACK)
Matter ResolvedRequest
Adjourment
166/10/2020 9:00 am18-16832 / MBKGregory James Corcoran Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)GrantedTotal Paid In: $17,610.00
SV/LOANCARE #4-1
Matter ResolvedRequest
Adjourment
176/10/2020 9:00 am18-18685 / MBKPATRICK MOSCATELLO, ESQCreditor Certification of DefaultContinued
6/24/2020 9:00 am
Total Paid In: $31,649.00
WILMINGTON SVS (Shapiro) ( TR ARREARS $4,627 MTD ON 8-4)
Matter ResolvedRequest
Adjourment
186/10/2020 9:00 am18-20374 / MBKLEE M PERLMAN, ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $9,556.00
Debtor obj<>THE MONEY SOURCE (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
196/10/2020 9:00 am18-22198 / MBKKirsten B. Ennis Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/22/2020 9:00 am
Total Paid In: $36,470.00
ewage required
Another $2,000 in transit

Debtor obj<
Matter ResolvedRequest
Adjourment
206/10/2020 9:00 am18-22253 / MBKJONATHAN GOLDSMITH-COHEN, ESQCreditor Certification of DefaultWithdrawnTotal Paid In: $13,372.00
NATIONSTAR ( Fein Such)
Matter ResolvedRequest
Adjourment
216/10/2020 9:00 am18-22361 / MBKROBERT C NISENSON ESQMotion Relief from Co-Debtor StayGrantedTotal Paid In: $11,100.00
WELLS FARGO BANK (PHELAN)
Matter ResolvedRequest
Adjourment
226/10/2020 9:00 am18-25595 / MBKJAMES J CERBONE, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $4,193.00
***Loan Mod Order entered 5/27/20 - Trustee Order: $4,193 Ptd, $227 by 6/15/20, then $234 x 38 starting 7/1/20***

Debtor obj<>FAILED TO LM BY 12/1/19; ARREARS
Matter ResolvedRequest
Adjourment
236/10/2020 9:00 am18-25706 / MBKWARREN LEVYMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToDeniedTotal Paid In: $80,750.00
AR IMPROPER SERVICE - DID NOT SERVE NJ ATTY GEN AND DOES NOT ADDRESS ALL UNFILED RETURNS
8/19 AMT: Proposed order does not specify classification of reduced claim/100% Plan but need classification<<>>>
MTN TO MODIFY NJ CLM #9 FROM $37,800.09 TO $7,955.91
Matter ResolvedRequest
Adjourment
246/10/2020 9:00 am18-25706 / MBKWARREN LEVYMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $80,750.00
4/8 AMT: APOC filed 7/10/19 resolving est clm/DEBTOR IN ARREARS - MAY NEED RECAP DEPENDING ON RESOLUTION OF MTN TO MODIFY CLM (6/10 HEARING)<<<>>>
Debtor obj, process of filing returns<<>>FAILED TO ADDRESS ESTIMATED TAX CLM/NJ DIV OF TAX #9-1 BY 12/13/18
Matter ResolvedRequest
Adjourment
256/10/2020 9:00 am18-25747 / MBKJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/14/2020 9:00 am
Total Paid In: $11,620.00
AMT: Plan doc #42 w/d; MP doc #50 hearing 7/14<<<>>>

Debtor obj, filing MP<>FAIlED TO LM BY 7/11/19; EXTENDED LOSS MIT EXPIRED 10/7/19
Matter ResolvedRequest
Adjourment
266/10/2020 9:00 am18-26130 / MBKJOSEPH CASELLO ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/12/2020 9:00 am
Total Paid In: $10,500.00
Debtor obj<>FAILED TO SELL OCEAN AVE PPTY, UNIT #3 BY 3/31/10; FAILED TO RESOLVE EST NJ DIV TAX #5-3 BY 9/30/19; FAILED TO FILE POC ON BEHALF OF TTLREO AND MTN TO ALLOW LATE CLM BY 9/30/19; ARREARS
Matter ResolvedRequest
Adjourment
276/10/2020 9:00 am18-26255 / MBKLEONARD R BOYERMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)MootTotal Paid In: $25,000.00
moot voluntary dismissal filed
6/2 AMT: Debtor filed for voluntary dismissal<<<>>>


5/14 AMT: Per atty, arrears pd and pending final approval of LM; will request adj<<<>>>

FAILED TO COMPLETE LOAN MODIFICATION BY 3/31/19 AND EXTENDED LOSS MITIGATION EXPIRED ON 11/20/19; ARREARS
Matter ResolvedRequest
Adjourment
286/10/2020 9:00 am18-26364 / MBKJOSEPH I WINDMAN, ESQMotion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $38,563.00
MTN TO AUTHORIZE SALE/HERON DRIVE (NEW CONTRACT)
Matter ResolvedRequest
Adjourment
296/10/2020 9:00 am18-30127 / MBKTIMOTHY P NEUMANN, ESQMotion Relief from Co-Debtor StayGrantedTotal Paid In: $22,442.00
HYUNDAI LEASE (MORTON)
Matter ResolvedRequest
Adjourment
306/10/2020 9:00 am19-10139 / MBKTHOMAS J ORR ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $20,825.00
--debtor has a very poor payment history going back until last July pre covid. Hasnt even made a payment for than $1000 in a long time

AR CARES ACT MP PLAN FILED TO EXTEND CASE CALC OK PAYS 100%
CERT FILED - NOT SUGGESTED FORM BUT OK
REC ADJ TO 6-10
AMT; MP 6/10 *** RECOMMEND DENIED***<<<>>>
Debtor obj, filing MP(income affected by Covid)<>ARREARS
Matter ResolvedRequest
Adjourment
316/10/2020 9:00 am19-10289 / MBKSCOTT D SHERMAN ESQMotion to Approve Loan ModificationOrder Previously SubmittedTotal Paid In: $11,317.00
***order emailed to Chambers 6/1/20***
Trustee obj<> MTN TO APPROVE LOAN MOD
Matter ResolvedRequest
Adjourment
326/10/2020 9:00 am19-12211 / MBKWARREN LEVYMotion Reinstate StayGrantedTotal Paid In: $19,656.00
(AMT: NOTE: Atty also needs to address first Am Trust late clm #7-1)<<<>>>

MTN TO REINSTATE STAY/BAYVIEW LOAN SERVICING
Matter ResolvedRequest
Adjourment
336/10/2020 9:00 am19-12677 / MBKVERA FEDOROFFMotion Relief from Stay (Fee)Continued
6/24/2020 9:00 am
Total Paid In: $12,296.00
Debtor obj<>WILMINGTON SAVINGS (RAS)
Matter ResolvedRequest
Adjourment
346/10/2020 9:00 am19-13353 / MBKEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
6/16/2020 9:00 am

AMT: MP 6/16<<<>>>
FAILED TO LM BY 9/30/19; SV/BANK OF NEW YORK MELLON #3-1
Matter ResolvedRequest
Adjourment
356/10/2020 9:00 am19-13429 / MBKWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/8/2020 9:00 am
Total Paid In: $16,038.00
AMT: Clms mtns pending 7/8/20 for clm #6-1 & #7-1 (Late clms filed by debtor for per plan clms). Has not addressed late filed clms #4-1 & #5-1<<<>>>

Debtor obj, will file clm mtns<>FAILED TO ADDRESS LATE FILED CLMS: VALLEY NATL #4-1 & #5-1; FAILED TO ADDRESS PER PLAN CLMS: ST NJ TRUSTEE ID #7 & #8
Matter ResolvedRequest
Adjourment
366/10/2020 9:00 am19-16584 / MBKAndrew Thomas Archer Motion Relief from Stay (Fee)Continued
6/24/2020 9:00 am
Total Paid In: $5,200.00
Debtor obj<>NAT'L MTG/MR. COOPER (RAS)
Matter ResolvedRequest
Adjourment
376/10/2020 9:00 am19-19101 / MBKJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $3,005.00
modified plan confirmed on Honor Roll

AMT: MP 6/10<<<>>>

filed MP on 5/1-can adjourn to new conf date

Debtor obj<>100% PLAN NOT FEASIBLE DUE TO CAP ONE AUTO AMD DEFICIENCY CLM #1-2; FAILED TO LM BY 11/30/19
Matter ResolvedRequest
Adjourment
386/10/2020 9:00 am19-19301 / MBKAllen I. Gorski, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $54,000.00
Matter ResolvedRequest
Adjourment
396/10/2020 9:00 am19-19301 / MBKAllen I. Gorski, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/14/2020 9:00 am
Total Paid In: $54,000.00
AR EMAIL TO ATTY 6-5
-payment history bad since September 2019-now filed MP with Covid cert?

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
406/10/2020 9:00 am19-19395 / MBKBENJAMIN JAMIE GINTERMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $2,375.00
FAILED TO LM BY 11/22/19; FAILED TO FILE AMD SCH B/C TO INCLUDE VEHICLE BY 12/2/19; ARREARS
Matter ResolvedRequest
Adjourment
416/10/2020 9:00 am19-20391 / MBKEdward Hanratty, Esq.Motion Relief from Stay (Fee)Continued
7/14/2020 9:00 am
Total Paid In: $7,246.00
Debtor obj<>TD BANK (SCHILLER, KNAPP)
Matter ResolvedRequest
Adjourment
426/10/2020 9:00 am19-21697 / MBKHENRY CHUDZIK, JR.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $1,792.00
SELENE FINANCE (RAS)
Matter ResolvedRequest
Adjourment
436/10/2020 9:00 am19-22526 / MBKAndrew Thomas Archer Motion Relief from Co-Debtor StayContinued
7/8/2020 9:00 am
Total Paid In: $6,000.00
Debtor obj<>M & T BANK (SCHILLER, KNAPP, LEFKOWITZ)
Matter ResolvedRequest
Adjourment
446/10/2020 9:00 am19-23038 / MBKVERA FEDOROFFMotion Relief from Stay (Fee)GrantedTotal Paid In: $2,475.00
U.S BANK NAT'L/CIM TRUST (SHAPIRO)
Matter ResolvedRequest
Adjourment
456/10/2020 9:00 am19-24177 / MBKAllen I. Gorski, Esq.Motion Relief from Co-Debtor StayContinued
7/14/2020 9:00 am
Total Paid In: $7,100.00
Debtor obj<>SHELLPOINT MTG (RAS)
Matter ResolvedRequest
Adjourment
466/10/2020 9:00 am19-24546 / MBKMARCIA Y. PHILLIPSMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Withdrawn
AR CASE DISMISSED 12-12-19
REASONS
.Case is 5 mos old . THERE HAS BEEN NO 341 Hearing. As of this date none is scheduled.
2.Objection BY US Bank(Friedman Vartolo).
3. 2/5/ payments. Arrears $6,076.24
PREVIOUS MOTION TO VACATE DENIED
CASE FILED JULY 2019
$22,305 IN TRUSTEE ARREARS CALC TO 6-1-20

NOW ANOTHER UNSUPPORTABLE MOTION COMBINED WITH A REQUEST TO SUSPEND PAYMENTS
Trustee Obj
Matter ResolvedRequest
Adjourment
476/10/2020 9:00 am19-25118 / MBKAndrew Thomas Archer Motion Relief from Stay (Fee)Settled / ResolvedTotal Paid In: $3,056.00
Debtor obj<>REVERSE MTG FUNDING (MATTLEMAN, WEINROTH & MILLER)
Matter ResolvedRequest
Adjourment
486/10/2020 9:00 am19-25517 / MBKSTEVEN J ABELSON, ESQMotion Relief from Co-Debtor StaySettled / ResolvedTotal Paid In: $8,636.00
Debtor obj<>BROKER SOLUTIONS (SHAPIRO)
Matter ResolvedRequest
Adjourment
496/10/2020 9:00 am19-25601 / MBKDANIEL L. REINGANUMMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $2,650.00
MTN TO MODIFY US BANK # 14-1 TO $0 ARREARS
Matter ResolvedRequest
Adjourment
506/10/2020 9:00 am19-26452 / MBKLEE M PERLMAN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $12,537.00
SV/JP MORGAN #18-1;
Matter ResolvedRequest
Adjourment
516/10/2020 9:00 am19-27291 / MBKROBERT C NISENSON ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $4,400.00
AMT: 6/16 MP *** HONOR ROLL***
Debtor obj<>FAILED TO FILE FEASIBLE PLAN; ARREARS; REQUESTS 180 DAY BAR
Matter ResolvedRequest
Adjourment
526/10/2020 9:00 am19-27583 / MBKGeorge E Veitengruber IIIMotion Approval to Participate in the Court's Loss Mitigation ProgramGrantedTotal Paid In: $4,270.00
LAKEVIEW LOAN SERVICING
Matter ResolvedRequest
Adjourment
536/10/2020 9:00 am19-27666 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
7/8/2020 9:00 am
Total Paid In: $11,136.00
Debtor obj<>LAKEVIEW LOAN/M&T BANK (SCHILLER, KNAPP)
Matter ResolvedRequest
Adjourment
546/10/2020 9:00 am19-27730 / MBKDaniel Straffi, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $3,500.00
SANTANDER CONSUMER (MORTON)
Matter ResolvedRequest
Adjourment
556/10/2020 9:00 am19-27831 / MBKDANIEL L. REINGANUMMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
MP 6-16 *** SUBJECT TO TERMS***<<>>

Debtor obj, filing MP<>SV/CREDIT ACCEPTANCE #1-1
Matter ResolvedRequest
Adjourment
566/10/2020 9:00 am19-27952 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $1,171.00
MTN TO REDUCE WELLS FARGO CLM #9-1 TO $0
Matter ResolvedRequest
Adjourment
576/10/2020 9:00 am19-27954 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $1,994.00
MTN TO RECLASSIFY CAPITAL ONE CLM #3-1 TO $4,632 SECURED/$4,367.66 UNSECURED
Matter ResolvedRequest
Adjourment
586/10/2020 9:00 am19-29783 / MBKJ. Todd MurphyMotion Relief from Stay (Fee)Continued
6/24/2020 9:00 am
Total Paid In: $4,393.00
Debtor obj<>WILMINGTON SAVINGS (HILL WALLACK)
Matter ResolvedRequest
Adjourment
596/10/2020 9:00 am19-30871 / MBKADAM SCHNEIDER, ESQMotion Relief from Stay (Fee)Continued
7/8/2020 9:00 am

lift stay for fraud conv
Debtor obj<>PHOENIX SALES AND SERVICES CORP (COHEN LAW GROUP)
Matter ResolvedRequest
Adjourment
606/10/2020 9:00 am19-30893 / MBKJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Continued
7/8/2020 9:00 am

NFA

Debtor obj<>SHELLPOINT MTG (MCCALLA)
Matter ResolvedRequest
Adjourment
616/10/2020 9:00 am19-30989 / MBKAndrew Thomas Archer Motion Avoid LienGranted
MTN RECLASSIFY TEA OLIVE #3 FROM SECURED TO UNSECURED
Matter ResolvedRequest
Adjourment
626/10/2020 9:00 am19-31779 / MBKROBERT C NISENSON ESQMotion for Relief from StayGrantedTotal Paid In: $900.00
3 payments arrears to trustee
Debtor obj<>CAMBRIDGE TRS, INC (GRIFFIN ALEXANDER)
Matter ResolvedRequest
Adjourment
636/10/2020 9:00 am19-31860 / MBKJOHN D DICIURCIOMotion Relief from Co-Debtor StayMoot - Dismissed
WELLS FARGO BANK (PHELAN)
Matter ResolvedRequest
Adjourment
646/10/2020 9:00 am19-33181 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $2,689.00
Debtor obj<>MTGLQ INVESTORS (PARKER McCAY)
Matter ResolvedRequest
Adjourment
656/10/2020 9:00 am19-33425 / MBKSTEVEN J. SICOMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $14,583.00
AMT: Creditor atty email attached/settled<<<>>>

MTGLQ INVESTORS (PLUESE)
Matter ResolvedRequest
Adjourment
666/10/2020 9:00 am20-10177 / MBKDaniel Straffi, Esq.Motion Relief from Stay (Fee)Converted to 7 / 11
Debtor obj<>U.S BANK NAT'L ASSOC (ROMANO GARUBO & ARGENTIERI)

Matter ResolvedRequest
Adjourment
676/10/2020 9:00 am20-10265 / MBKROBERT C NISENSON ESQMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
6/24/2020 9:00 am

Trustee Obj
Matter ResolvedRequest
Adjourment
686/10/2020 9:00 am20-10301 / MBKSEYMOUR WASSERSTRUM, ESQMotion Prospective ReliefOrder to be Submitted
IN rem final judge since 2017 denied LM twice- $15,000 in post petition----

Debtor obj<>WILMINGTON SAVINGS (RAS)
Matter ResolvedRequest
Adjourment
696/10/2020 9:00 am20-11375 / MBKROBERT C NISENSON ESQMotion Relief from Stay (Fee)Order to be Submitted
Debtor obj<>WOODMONT AMBOY URBAN RENEWAL (GRIFFIN ALEXANDER)
Matter ResolvedRequest
Adjourment
716/10/2020 9:00 am20-11912 / MBKEric ClaymanMotion File Claim After Claims Bar DateGranted
MTN ALLOWING TRUSTEE TO PAY AVRILLON/RUSSO LATE FILED SEC CLM $19,476.87
Matter ResolvedRequest
Adjourment
726/10/2020 9:00 am20-11948 / MBKSCOTT E KAPLAN ESQApplication Requesting RedactionGranted
APPLICATION REQUESTING RECACTION
Matter ResolvedRequest
Adjourment
736/10/2020 9:00 am20-12057 / MBKEdward Hanratty, Esq.Motion Motion (Generic) - Only use if no other event is applicableMoot
MOOT DISM AT CONF
(AMT: MP 6/10)<<>>

MTN SUSPEND PAYMENTS - Trustee limited obj to proposed order.
Matter ResolvedRequest
Adjourment
746/10/2020 9:00 am20-12436 / MBKMICHELLE LABAYENApplication Requesting RedactioGranted
DISCOVER BANK REQUESTING REDACTION
Matter ResolvedRequest
Adjourment
756/10/2020 9:00 am20-13913 / MBKWilliam H. Oliver, Jr., Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
8/18 new conf

Atty is holding $2,126

dismissed-no payments. Can reinstate if current EDC
Matter ResolvedRequest
Adjourment
766/10/2020 9:00 am20-15333 / MBKHARRISON ROSS BYCKMotion Approval to Participate in the Court's Loss Mitigation ProgramMoot - Dismissed
FREEDOM MTG
Matter ResolvedRequest
Adjourment
776/10/2020 9:00 am20-16421 / MBKJAMES J CERBONE, ESQMotion Impose Automatic StayWithdrawn
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
786/10/2020 9:00 am20-16421 / MBKJAMES J CERBONE, ESQMotion Impose Automatic StayGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
796/10/2020 9:00 am20-16596 / MBKJOHN ZIMNIS, ESQMotion Extend TimeGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
806/10/2020 10:00 am15-24829 / MBKAllen I. Gorski, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 50 of 59 required payments   Arrears: $0  
Total Paid In: $180,760.00
***Per atty, MP withdrawn and no opposition to dismissal on 6/16/20***

As of 5/29/20 (DS): 1. Plan is not feasible. Propose to extend 2 years at $400 x 24, but should be 27, includes June payment to be made. Total needed is $15,904.51 / 27 months. Would need $590 x 27 months begin 6/1/20, not sure what amount will be paid for the month of June.

MP Prop $400 x 24 100% - Extends plan from 60 to 84 months
Matter ResolvedRequest
Adjourment
816/10/2020 10:00 am17-28869 / MBKHERBERT B RAYMOND ESQConfirmation Hearing on Modified PlanContinued
7/8/2020 10:00 am
Debtor has made 32 of 34 required payments   Arrears: $11.00  Total Paid In: $55,272.00
Matter ResolvedRequest
Adjourment
826/10/2020 10:00 am18-25747 / MBKJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 18 of 23 required payments   Arrears: $635.00  Total Paid In: $11,620.00
MP withdrawn by attorney

-Attorney agrees to not lower payments 10,985 paid then $635 x 39 beg. 6/1/18 pro rata LM by 10/31/20
5/29 workup for the 6/10 calendar EDC

trustee objection-filed MP because LM expired on 7/11/19 then again of 10/7/19 and lowers payment by $235-no amended schedules filed/updated POI tax returns EDC

-Attorney agrees to not lower payments $635 x 60 beg. 9/1/18 pro rata LM by 10/31/20
Matter ResolvedRequest
Adjourment
836/10/2020 10:00 am18-35312 / MBKJOHN ZIMNIS, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 16 of 19 required payments   Arrears: $30.00  Total Paid In: $4,500.00
AS of 6/4/20(mk): - Atty ok with terms.sf


***CAN REC CONFIRM AT $4,250 PTD, THEN $280 x 66 Begin 7/1/20; Base: Plan Extended to total of 84 months under Cares Act***


MP Proposes 4000 ptd, $280 x 68 , Base - to extend plan to 84 mos per Cares Act. to cure post petition arrears.
Plan has run 18 mos 66 remain if extend to 84
Matter ResolvedRequest
Adjourment
846/10/2020 10:00 am19-10139 / MBKTHOMAS J ORR ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 10 of 18 required payments   Arrears: $2,182.00  Total Paid In: $20,825.00
6/10/20 Updated

To confirm need $20,825 PTD, $2182 X 67 (BEGIN 7/1/20) 100%
- Debtor to provide updated profit and loss statements annually beginning with calendar year ending 12/31/20 to be submitted by 2/15 each year.
- Preserve non-exempt equity of $40,000 to gucs

CARES ACT CASE
$22,000 arrears- 7 payments arrears---missing payments began a year ago-pre Covid. Cannot confirm because case has not been feasible for a year-very poor payment history

CONF at ****$18625 paid then $2200 x 68 beginning 6/1/20-100%
-84 months
Matter ResolvedRequest
Adjourment
856/10/2020 10:00 am19-18446 / MBKJACQUELINE R ROCCI ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 14 of 15 required payments   Arrears: $710.00  Total Paid In: $9,940.00
as of 6/3/2020

ok to confirm at $9,230 paid to date, $710x1 by 6/15/2020, $710x46 begin 7/1/2020 base plan

proposed plan $710x60 base
paid in $9230
arrears $710
46 months to go
Matter ResolvedRequest
Adjourment
866/10/2020 10:00 am19-18678 / MBKEric ClaymanOrder Vacate Dismissal of CaseContinued
7/8/2020 10:00 am
Debtor has made 15 of 15 required payments   Arrears: $0  

proof LM package sent in 2 weeks and must be current by adj date EDC

6/8 updated for 6/10 calendar
-have consent order with Specialized regarding motion to D but no order yet-what about LM?
-4 payments in arrears and 14 months old
trustee obj:
-need proof of home insurance(Done)
-need to use trustee order of distr
-need pre conf cert
Matter ResolvedRequest
Adjourment
876/10/2020 10:00 am19-19101 / MBKJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 15 of 14 required payments   Arrears: $200.00  Total Paid In: $3,005.00
issues as of 6/4/2020 - Atty ok with terms.sf


1) Only need 33 payments of $200 to pay remaining claims and attorney fee in full
2) Ok to confirm at $2,760 paid to date, $200x33 begin 7/1/2020 with loan mod by 11/30/2020 100% plan
-need Order for supplemental fees
-need Order expunging Capital One claim to zero within 30 days of confirmation

proposed plan $200x60 100% plan with loan mod by 11/30/2020
paid in $2,7600
plan being extended to 46 months total
Matter ResolvedRequest
Adjourment
886/10/2020 10:00 am19-26572 / MBKWARREN L PETERSON ESQConfirmation Hearing - Order Vacate Dismissal of CaseConfirmedDebtor has made 9 of 11 required payments   Arrears: $1,071.00  Total Paid In: $8,755.00
AR RESOLVE OR HOLD
ISSUES AS OF 6/3/2020 (DM):

***Bar Dates have expired and only $2,669.21 unsecured claims filed - Trustee objections can be resolved by paying 100%. TRUSTEE CAN RECOMMEND CONFIRMATION AT $7,820 PTD, THEN $1,003 x 51 STARTING 6/1/20, 100% PLAN***

1) JP Morgan Chase (FEIN) OBJs - $50,363.51 arrears (CO ENTERED TO PAY LATE ARREARS CLAIM).

2) There is no attorney fee balance in the plan.

3) Trustee OBJ:
- Need to file Pre-Confirmation Certification (UNRESOLVED).
- Need July & Aug bank statements for direct deposit checking acct ending in #4743 (UNRESOLVED).
- Amend Sch C to exempt personal assets (UNRESOLVED).
- Amend Sch J to correct water/sewer expense (UNRESOLVED).
- Excessive Expense: $600 water/sewer, $400 fines (RECEIVED JUDGMENT OF CONVICTION - NEED BALANCE OWED).
- Tax refund of $1,409 was not prorated and included in disposable income calculation.
- Income for the co-debtor verifies higher ($2,217) than scheduled ($1,041) resulting in $1,750 disposable income.
- Disposable income per Form 122c, as filed, is $1,824 which requires a $109,440 minimum dividend.


Prop. Plan $935 x 60, Base Plan
PTD 9/10 = $7,820
Last Claim (5-1)
Matter ResolvedRequest
Adjourment
896/10/2020 10:00 am19-27729 / MBKNICHOLAS FITZGERALD, ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 9 of 10 required payments   Arrears: $170.00  
UPDATED P&l BY 6-24
per att submitted LM and income yesterday (Cert is okay, but we need a new P&L to determine current income)

AR RESOLVE OR HOLD
ISSUES AS OF 6/3/2020 (DM):

***Still need Certification regarding business operations of MGA Construction and income calculation***

1) Popular Bank (CHUHAK & TECSON) OBJs - 2nd mtg on Larch Street property not treated in plan (MP FILED 4/22/20 CRAMS - CREDITOR WITHDRAWS OBJ ON 5/12/20).

2) J.P. Morgan/Rushmore (PARKER) OBJs - $2,780.17 arrears on Carroll Ave property (CO ENTERED - TRUSTEE TO PAY $2,780.17 PER FILED ORDER).

3) Time to obtain a Loan Mod with PHH Mtg on Larch Street property in the Plan is expiring in March (MP EXTENDS TO 9/2020).

4) Plan provides $704 secured treatment to Middlesex County Water - no POC filed (MP REMOVES).

5) Plan provides $6,192.97 secured treatment to Borough of Carteret - no POC filed (MP REMOVES).

6) Trustee OBJ:
 Need Certification regarding business operations of MGA Construction and income calculation (UNRESOLVED).
- Need Atty Cert regarding proof of SSN (FILED - DOC #46).
- Need MP that completes Part 5a treatment to creditors (MP CORRECTS).


Prop. Plan $170 x 60, $1,000 Min Div, Loan Mod by 9/2020
PTD 9/9 = $1,530
Last Claim (3-1)
Matter ResolvedRequest
Adjourment
906/10/2020 10:00 am19-27896 / MBKEric ClaymanConfirmation Hearing on Modified PlanConfirmedDebtor has made 9 of 10 required payments   Arrears: $150.00  Total Paid In: $12,000.00
NFA AR RESOLVE OR HOLD
6/2 workup for the 6/10 calendar EDC
* same as 2/24 EDC

***per all issues remaining CONF OR D---COMPROMISED terms are ******$10800 paid then $1350 x 51 beg. 7/1/20 pro rata-Student loans outside.--All non exempt proceeds from wrongful discharge claim must be paid to Trustee---use trustee order of distribution

* Trustee Objection
- debtors are not paying all disposable income into the plan following reasons:Monthly disposable income of $2,447 on Form 122c req. a $146,820 min.dividend to unsecured creditors.(OK TO USE I & J BECAUSE OF NEW JOB)
-Even allowing all expenses, total excess dispos income over 3,600-Debtor ans spouse income about more monthly than estimated. He nets $7057 and she nets $3848--based on 5/4/20 updated POI-every time we get new income it is still higher
-There is $1931 in monthly disposable as of 6/2/20
- Income for the co-debtor's new job, starting September 2019, verifies higher ($3,848)than scheduled ($2,972)
-plan has excessive expenses:$3,258 housing cost,(J says sep households - proof of his mtg payment and her rental payment)- $300 childcare (need proof).
- The confirming order must provide for the turnover of all non-exempt proceeds from
wrongful discharge claim.
-Order of Distribution- Needs trustee Standard Order.
- Need certification(No Cert provided) and supporting documentation regarding the disposition of proceeds
from the sale of the Woodlake Wynde property (STILL)
-need verification that Giuseppe Iacovitti was entitled to 50% of the sale proceeds.( Copy of ck to him for $14,688.20 doesn't prove his entitlement)
-Per closing statement $34,116 to debtors from sale in June 2019 - 3 months before filing
-------------------------------------------------------------------------------------
* Objection By NBT BanK(Gutworth,Esq):(ORDER SUB)- Objects to cram of solar panels.
- Schedules fail to account for tax refund of $10,245 when determining disposable income.(RESOLVED 2019 refund is only $66).
2. P
Matter ResolvedRequest
Adjourment
916/10/2020 10:00 am19-28905 / MBKFREDERICK J SIMONConfirmation Hearing ScheduledContinued
8/26/2020 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $590.00  
As of 6/8/20(mk):updated

1/3 payments.
341 now on 6/18/20.
Matter ResolvedRequest
Adjourment
926/10/2020 10:00 am19-29177 / MBKPAUL N MIRABELLI ESQConfirmation Hearing on Modified PlanContinued
7/14/2020 10:00 am
Debtor has made 6 of 9 required payments   Arrears: $1,820.00  Total Paid In: $6,660.00
AS OF 6/4/2020 (at):

1. Plan was confirmed at $3,700 paid to date and $1,195 x 55 beginning 4/1/2020. Why is the trustee payment being reduced?

2. Need updated proof of income.

3. Need Amended I and J.

4. Modified plan needs a start date for the 60 months of payments.

5. Need status of personal injury lawsuit. Non exempt proceeds are to be turned over to the Trustee per the Order Confirming Plan

MP proposes: $740 x 60, not less than $26,680 to be distributed pro rata
Payments: almost 7/8, arrears $1,365
Matter ResolvedRequest
Adjourment
936/10/2020 10:00 am19-30325 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
8/12/2020 10:00 am
Debtor has made 5 of 4 required payments   Arrears: $0  

AR OK TO ADJ IF CURRENT
issues as of 6/3/2020

1) Trustee objection to confirmation - need to resolve
-need a copy of the 2019 tax return on or by 8/15/2020
-need to provide valuation of timeline
-the debtor is not paying all disposable income into the plan - excessive expense on Schedule J $990/transportation - need supporting documentation of expense
-debtor has timeshare and 341 testimony was maintenance costs are $1,700 per year. This is not on Schedule J but that is a luxury expense and the Trustee objects
-income verifies higher than scheduled
-the schedules fail to account for the debtors tax refund in the amount of $1519 when determining disposable income
-need Order showing debtors obligation to pay $1,616 alimony
-need proof that debtor is paying $400/month for taxes
-bank statements show multiple mobile deposits, what is the source of this income - September 17, 2019 statement shows $1,729.95; October 18, 2019 statement shows $6,435.87; November 15, 2019 statement shows $1,568.46. Need Certification from debtor as to income from freelance work
-need domestic support form- debtor pays alimony
-must file Pre Certification with Court
2) No Trustee play payments to date, arrears $1,440

proposed plan $360x60 base plan
paid in $0
arrears $1,440
last claim 5
Matter ResolvedRequest
Adjourment
946/10/2020 10:00 am19-30353 / MBKDaniel Straffi, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 8 of 9 required payments   Arrears: $500.00  
AR PLAN DENIED MP BY 6-24 -OK PER ATTY
AR REC DISM PLAN NOT FEASIBLE LOAN MOD EXP
IF DEBTOR WANTS MP TO SURRENDER THEN DENY WITH MP IN 14 DAYS
As of 6/4/20 (SF)

1. Objection filed by Select Portfolio (Milstead & Associates) - failure to pay arrears of $52,070.12 and loss mitigation order was terminated and has not been extended. Debtor is not current with adequate protection payments.

2. Motion to extend loss mit scheduled for 6/24/20 (NEED OUTCOME)

Plan proposes $500 x 12, $1100 x 48 Base, loan mod by 5/1/20
Payments: 6/8 Arrears: $1,000

RESOLVED ISSUES:
- The debtor has failed to provide proof of service with respect to Plan Motion(s).

- Ally Financial filed arrears claim 6-1 for $8822.73 which is not addressed in the plan (OK TO PAY?) (MP surrenders) Trustee objection:
- The debtor has undertaken an improper use of exemption. Specifically: The Debtors have exceeded the 522(d)(1) exemption based upon the Deed provided that lists the Debtor as the sole owner. (MOOT, JOINTLY OWNED)
Matter ResolvedRequest
Adjourment
956/10/2020 10:00 am19-30429 / MBKCAMILLE J KASSARConfirmation Hearing on Modified PlanConfirmedDebtor has made 5 of 9 required payments   Arrears: $101.00  Total Paid In: $563.00
ISSUES AS OF 6/3/2020 (DM): Updated 6/5/20

***If Ditech/New Residential objection is resolved by Loss Mit Order entered 6/2/20, THEN TRUSTEE WILL RECOMMEND CONFIRMATION AT $448.34 PTD, THEN $115 x 52 STARTING 6/1/20, 100% PLAN WITH $56,033 MINIMUM DIVIDEND, LOAN MOD WITH DITECH/NEW RESIDENTIAL BY 9/2/20, TRUSTEE TO DISBURSE ON DITECH/NEW RESIDENTIAL ARREARS POC (4-1) PENDING THE LOAN MOD (low base), OTBS ON OBJECTION WITHIN 30 DAYS, TRUSTEE STANDARD ORDER OF DISTRIBUTION***

1) Ditech/New Residential Mtg (PHELAN) - plan only proposes to make AP payments. Debtor is not in the Court Loss Mitigation Program so they want full post petition payments (ORDER GRANTING LOSS MIT ENTERED 6/2/20).

2) Plan proposes to cure mortgage arrears of $41,646.93 but plan payment is insufficient

3) Trustee OBJ:
- Need a copy of 2018 & 2019 tax returns (RECEIVED 2019).
- Need a copy of homeowner's insurance renewal with personal liability coverage (RECEIVED).
- Need amended SchcI to include theater income (UNRESOLVED).
- There is $56,033 non-exempt equity in real estate (PLAN IS 100%).
- Order of Distribution departs from Trustee standard (PAY PER TRUSTEE STANDARD).
- Need to file Pre-Confirmation Certification (FILED).


Prop. Plan Ptd, $112.89 x 57, 100% Plan, Loan Mod by 8/2020
PTD 7/8 = $448.34
Last Claim (4-1)
Matter ResolvedRequest
Adjourment
966/10/2020 10:00 am19-30871 / MBKADAM SCHNEIDER, ESQConfirmation Hearing on Modified PlanContinued
7/8/2020 10:00 am
Debtor has made 7 of 8 required payments   Arrears: $1,370.00  
ISSUES AS OF 6/3/2020 (DM):

***Need to address plan feasibility and issues #1, #3, and #4 below. Also need the status of sale efforts for both properties***

 5/19/20 - ADJ to 6/10/20 Peremptory.

1) State of NJ filed a $23,625.38 amended priority claim that includes estimated taxes for 2018 (UNRESOLVED).
returns filed need APOC


2) State of NJ filed an unsecured claim that includes estimated taxes for 2015 (AMENDED).

3) MP provides $163,777.46 secured treatment to Phoenix Sales & Services - no POC filed (UNRESOLVED).
MOTION ON FOR 7-8

4) Phoenix Sales & Services (Jonathan Goldsmith Cohen, Esq) OBJs to timeframe to sell property - no POC filed (UNRESOLVED).

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

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

Note: Homeowner insurance provided for both properties.


Prop. Plan $1,370 x 60, 100% Plan
- sale of Venice Dr property within 12 months
- sale of Elena Ct property within 3 years
PTD 7/7 = $9,590
Last Claim (10-2)
Matter ResolvedRequest
Adjourment
976/10/2020 10:00 am19-31092 / MBKOTTO J KOSTBAR, ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $3,290.00  
 6/3/20 - AR & DM received email with inconsistent Merrill Lynch acct info.

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%) - JA

 Need documents regarding inheritance including Will of debtors' mother and estate accounting (RECEIVED - DEBTOR'S RECEIVED $50,114.91 - $100 FOR PAINTING, see page 17 of estate accounting).
35 K IN 6 -18 AND 15K 11-19
WILL SEND CERT HOW SPENT  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
986/10/2020 10:00 am19-31911 / MBKWILLIAM S WOLFSON, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 8 required payments   Arrears: $800.00  Total Paid In: $2,695.00
***Updated 6/10/20 - Trustee to compromise to resolve objection and RECOMMEND CONFIRMATION AT $1,895 PTD, THEN $800 x 42 STARTING 6/1/20, BASE PLAN, OTBS WITH JPMORGAN CHASE WITHIN 15 DAYS TO PAY $4,141.12 SECURED, STRIKE PART 1e FROM THE PLAN WITH RESPECT TO DISCHARGE OF STUDENT LOANS***

- Court gave permission for 2 PM*** RAS to be paid 4141.12 over 48 months-OTBS within 15 days
will pay $800 going forward -- compromised number--strike student loan discharge language

AR RESOLVE OR HOLD

- 6/5/20 - email response to attorney confirmation inquiry.

ISSUES AS OF 6/3/2020 (DM):

***Need to resolve objection to vehicle cram, and disposable income still verifies higher (see below)***

- MP filed and scheduled for 6/10/20 - ADJ Peremptory.

1)
 JPMorgan Chase (RAS) OBJs to cram of 2012 Subaru Impreza (UNRESOLVED).

2) Trustee Supp OBJ:
 MP proposes pro rata payment inside the plan for student loans and cancelation of 2 student loans due to closure of Burlington College in Part 1e of the Plan (NO STUDENT LOAN CLAIMS FILED, HOWEVER DEBTOR WILL NEED TO FILE A FORMAL MOTION IF HE SEEKS TO DISCHARGE STUDENT LOANS).

3) Trustee OBJ:
 Updated proof of income verifies higher ($4,685) than scheduled ($4,198) resulting in $1,006 monthly disposable after deducting SSI.
- Need amended Sch J to remove $285 car payment - crammed thru plan (AMENDED).
- Plan proposes Order of Distribution that departs from Trustee standard (MP CORRECTS).
- Need to file Pre-Confirmation Certification (UNRESOLVED).
- Need to strike Part 4g from the Plan (MP REMOVES).

Note: 401(k) loan statements provided. Service moot - creditor objected to cram.


Prop. Plan Ptd, $515 x 48, Base
PTD 6/7 = $1,895
Last Claim (11-1)
Matter ResolvedRequest
Adjourment
996/10/2020 10:00 am19-32686 / MBKJOHN D DICIURCIOConfirmation Hearing on Modified PlanMootDebtor has made 5 of 7 required payments   Arrears: $705.00  Total Paid In: $7,820.00
This hearing date was not needed. The modified plan was filed with no notice and previously confirmed on 5/13/20.sf
Matter ResolvedRequest
Adjourment
1006/10/2020 10:00 am19-33073 / MBKDarren M Baldo Order Vacate Dismissal of CaseConfirmedDebtor has made 4 of 7 required payments   Arrears: $1,003.00  Total Paid In: $4,076.00
AS OF 6/9/20(mk):Updated- Atty Ok to terms

**CAN REC. CONFIRM AT $4,076.43 PTD, THEN $1,003 X 43;BEGIN 7/1/20; 100%; Trustee Standard Order
of Distribution; Trustee is authorized to Pay arrears claim #14-1 of lakeview/M&T Bank in the amount of $18,499.02 ;
Trustee is authorized to pay arrears claim #10-1 of Americredit Fin. Services in the amount of $369.99
Debtors to provide 2019 Tax return by 8/15/20.**


>>EXCESS DISPOS INCOME IS HIGH, PLAN CAN PAYOFF SOONER AT 100% .PLAN PAYMENT NEEDS TO BE INCREASED. PER ABOVE<<

1.MP (#47) is the plan being worked up here.

2.MP lists M & T Bank in Part 4a for arrears and again in 4g as unaffected.
POC for Arrears filed By Lakeview/M & T $18,499.02- NEED TO PAY THAT.(PAY)

3. Americredit Fin Services in Plan as Unaffected. Filed Arrears POC $369-(PAY)

4.Trustee Obj:
- Proof of Service on MP for One Main on Auto cram must include copy of
the required transmittal letter which shows value debtor relied upon
for value of auto.( Cert of Service filed BUT NO TRANSMITTAL LETTER WAS ATTACHED.)Atty said he sent it.
-Plan fails to pay debtors dispo. income. MP -100%.
-need amended C to provide $amt of exemption( Filed).
-CMA w/in 1 yr. w/ comps(Provided)
-amended atty disclosure(filed).
-need Oct and Nov 2019 bank statements ( Provided).


Plan(#47):836.71 x 57,100%
payments:5/6
last claim:14-1, Bar date:extended to5/23/20
Matter ResolvedRequest
Adjourment
1016/10/2020 10:00 am19-33181 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 7 required payments   Arrears: $0  
Total Paid In: $2,689.00
ISSUES AS OF 6/3/2020 (DM): Updated 6/9/20 - atty agrees

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $2,298 PTD, THEN $391 x 54 STARTING 7/1/20, BASE PLAN, LOAN MOD WITH MTGLQ INVESTORS BY 7/13/20, NO PAYMENT OR RESERVE BY THE TRUSTEE PENDING THE LOAN MOD***

 6/2/20 - ADJ to 6/10/20 for MFR (OTBS).

 MFR by MTGLQ pending 6/10/20 - no post-petition mtg payments made (OTBS - no impact).

1) MTGLQ Investors (Parker McKay) OBJs - $93,542.17 arrears (CONSENT ORDER ENTERED - LOAN MOD BY 7/13/20).

2) Consumer Portfolio (Bernstein Burkley) OBJs to cram (CONSENT ORDER ENTERED).

3) Trustee OBJ:
- Proof of income verifies higher resulting in $1,119 disposable income (RESOLVED, DISPOSABLE INCOME $425).
- Need service to Capital One on judgment cram - notice is addressed to Capital One Auto Finance (AMENDED).
- Need amended Sch A & C to add timeshare (RESOLVED, MP SURRENDERS TIMESHARE).
- Improper Exemptions: specifically, (d)(1) exemption is exceeded (Deed is not in name of Co-Debtor). Also, improper (d)(5) exemption of $7,000 but only allowed $1,325 - need another amended Sch C to resolve (OK - AMENDED).


Prop. Plan $383 x 60, 0% Plan, Loan Mod 6 months
PTD 6/6 = $2,298
Last Claim (20-1)
Matter ResolvedRequest
Adjourment
1026/10/2020 10:00 am19-33466 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 7 required payments   Arrears: $525.00  Total Paid In: $2,625.00
6/2 workup for the 6/10 calendar EDC
CONF at $2625 paid then $525 x 54 beg 7/1/20 min of $12,666 -pre cert conf in 10 days

**We changed the boat to 1/2 ownership and the Debtors got $2087 in equity per sch C but it is not correct--need to add the following $2525 for business(the d6 exemptions is for tools not valuation) also add $2066 for equity in GMC after deducting Ally claim and exemption and add $750 for the trailer (valued at $1500 but only put $750)---AS A RESULT TOTAL EQUITY IS $7428

* As of 4/27/20 (DS): EMAIL FROM DEBTOR ATTY RE. NON-EXEMPT EQUITY IS HALF WITH NON-DEBTOR/FATHER IN LAW FOR BOAT AND TRAILER,--- PROOF HAS BEEN PROVIDED. OK
* ALSO SCHED C FAILS TO PROPERLY TAKE EXEMPTIONS FOR BUSINESS
* THERE IS NON-EXEMPT EQUITY ON 2016 GMC SIERRA. $2066--$35k value minus Ally POC minus exemptions-MUST PROVIDE DOCS OF OWNERSHIP.

1. Trustee obj to the following:
- There is non-exempt equity on personal assets $25,069 ($2,066 2016 GMC Sierra, $4,300 1/2 interest- Boat-no exemption taken on boat on C, $1,500 Trailer, $3,729 shares in First National Bank, $1,800 Shares in National Bank of Middlebury and $7,375 Business)
- Must file Pre-confirmation certificate.
- Need updated proof of commercial auto insurance for 2012 Chevy Truck. Insurance provided does not list vehicles anywhere
2. Wells Fargo obj arrears more, POC filed with arrears $11,059.37. Per email from creditor atty 4/27/20 ok to pay per claim.(OS)

Prop Plan $525 x 60 Dollar Base $12,666
Note: Valuation on stocks provided.
Matter ResolvedRequest
Adjourment
1036/10/2020 10:00 am19-33650 / MBKRUSSELL L LOW, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $150.00  Total Paid In: $900.00
As of 5/29/20(mk): - Atty ok with terms.sf

>>IF PAYING ARREARS IN #1, ***CAN REC CONFIRM AT 150 X 36, BEGIN 1/1/20;BASE***


1. Lease arrears ($364.90)POC filed by American Honda- Need to Pay or Move Against?

Plan:150 x 36;base
paymets:5/5
last claim:21-1, bar date:2/29/20
Matter ResolvedRequest
Adjourment
1046/10/2020 10:00 am19-33731 / MBKNICHOLAS FITZGERALD, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 1 of 7 required payments   Arrears: $663.00  Total Paid In: $900.00
ALT REC BASED ON UPDATED EMAIL 900 PTD 853 X 42 100% (min $6,010 to gucs)
AR PARTIES DO NOT AGREE ON INCOME CALC . TR REACHING OUT FOR SUGGESTED RESOLUTION
AS OF 6/2/20 (SF)

RECOMMEND $900 PTD, $663 X 54 (BEGIN 7/1/20) 100% PLAN W/MIN $6010 TO GUCS
- OK TO PAY ARREARS CLAIM 6-1 FOR NATIONSTAR MORTGAGE

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

2. Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Electricity/Heat/Gas $1,150 - Electric and heat total $625.59 ($625.59 allowed Expenses reduced by $524.41)
- Tele/Cell/Internet/Cable $525 - Total $572.70 ( $330 allowed, Expenses reduced by $195)
- Car payment $652. ($508 allowed. Reduced expenses by $144)

- Income verifies higher, also due to excessive expenses there would be disposable income $1527.39. (PENSION LOAN EXPIRES IN 23 MONTHS AND AN ADDITIONAL $758.39 WILL BE AVAILABLE) NEED 100% PLAN

Note: Debtor received bonus of $28,182.75 in 2019. The bonuses are received quarterly. To date, in 2020 the debtor has received $12,382.88. Need to know if debtor will receive more bonuses between now and end of year?


Plan proposes $150 x 20, $525 x 16 Base w/min $6010 to gucs
Payments: 6/6

- A copy of the last filed tax return - for 2018. (RECEIVED)
- Must file Pre-confirmation certificate. (FILED)
Matter ResolvedRequest
Adjourment
1056/10/2020 10:00 am19-34070 / MBKBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 4 of 7 required payments   Arrears: $0  

ISSUES AS OF 6/4/2020 (DM):

1) Barbara Blashinsky filed $32,660 priority DSO claim not treated in plan (OKAY TO PAY??)

2) The Order of Distribution in the plan departs from the Trustee standard (PAY STANDARD OR PER PLAN??)

3) Trustee OBJ:
- Send copy of 2017 HUD-1 (UNRESOLVED).
- Need a MP that addresses priority alimony arrears (UNRESOLVED).
- Need proof of DSO income of $1,317/month on Sch I (UNRESOLVED).
- Need DSO information for $7,583 on Sch J (RECEIVED SETTLEMENT AGREEMENT FROM 2012).
- Need 2019 bonus check factored into income - note, ex-wife gets 15% per Settlement Agreement.
- Excessive Expenses: $495 cable/internet/phone, $1,660 for medical/dental, $1,485 for health insurance, $650 for life insurance, 3 car payments.
- Verified income leaves monthly disposable income of $2,233.
- Reviewed the 22C, monthly gross disposable income is $21,879 (November gross $108,487/11 = $21,879 and $1,317 for DSO income was missing). Line #16 (taxes) should be $1,945, per deduction in pay stubs from job. Need proof if he's paying taxes of $2,632/month per P&L for business, Line #23 (Optional Phone) needs documentation, and Line #24 (Health Insurance) requires proof of $1,415/month. Per the 22C, monthly disposable income is $3,447 which requires a minimum dividend of $206,820 to general unsecured creditors.
- Need a copy of 2019 tax return - due by 8/15/20.
- Need statement for the PSE&G stocks (RECEIVED).
- Need statement for Met Life stocks (RECEIVED).
- Need statements for 2 Northwestern whole life policies (RECEIVED).
- Need statement for Robinhood account (RECEIVED).
- Need October and November Chase business bank statements (RECEIVED).
- Need October and November bank statements for account #6175 per direct deposit (RECEIVED).


Prop. Plan $1,383 x 60, Base Plan
PTD 4/6 = $5,532
Last Claim (6-2)
Matter ResolvedRequest
Adjourment
1066/10/2020 10:00 am20-10037 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 6 required payments   Arrears: $2,056.00  Total Paid In: $6,565.00
As of 5/29/20(mk): - Atty ok with terms.sf

>>TO CONFIRM *** NEEDS $4,509 PTD,THEN $2,056 X 56 ,BEGIN 6/1/20; BASE W/ MIN DIV. TO GUCS $29,780
DUE TO NE EQUITY IN REAL PROPERTY***
- Need updated contribution affidavit within 15 days


NOTE: Debtor does not have the income to cover this increased plan payment. (Per atty, contribution affidavit will be increased.sf)


1. Per plan claim for City of New Brunswick (Gov bar 6/30/20.

2.Trustee Objection:
-CMA value pf the residence is much higher than the amount scheduled in the petition.
-there is equity of $29,780 in the property
-must file pre conf cert.

Plan:1503 x 60;Base
payments:3/4
last claim:6-1, bar date:3/12/20
Matter ResolvedRequest
Adjourment
1076/10/2020 10:00 am20-10160 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
8/12/2020 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $800.00  
AS OF 6/4/20 (SF) NOT CURRENT WITH PAYMENTS 1/5 ARREARS: $1600

1. Cascade Funding Mtg Trust 2017-1 filed secured claim 6-1 for $290,534.08 which is not addressed in plan
2. Cazenovia Creek Funding I, LLC did not file a claim. The bar expired on 3/16/20 (Should claim be stricken from plan?)
3. Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - : Need 2019 tax return for spouse by 8/15/20
- Need January bank statement for First Financial account (not transaction history).
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $718 vehicle insurance, $300 spouse credit card payments (need proof).
-Proof of income for the non-debtor spouse verifies higher ($5,407.73) than scheduled ($4,296.05).
The Schedules fail to account for the debtor(s) tax refund in the amount of $4,572 when determining disposable income.
- The current Plan does not specify treatment of Cascade Funding/Statebridge Co under the Plan.
- Need calculation for 401k loan deductions and projected term expiration.
- Need HUD /Settlement statements for sale of Glenwood Rd property

Plan proposes $400 X 12, $650 X 48 Base, Loan Mod by 8/1/20
Payments: 1/5 Arrears: $1600
Matter ResolvedRequest
Adjourment
1086/10/2020 10:00 am20-10177 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledConverted to 7 / 11Debtor has made 3 of 6 required payments   Arrears: $0  

As of 5/29/20(mk):


1.Plan has LM- but Loss Mt was terminated by Order dated 4/9/20.

2. MFR on for 6/10/20.

3.Objection by US Bank( Romano):
plan fails to pay arrears, not feasible.

4.Trustee Objection:
-debtor has insufficient income . Negative $315 in disp. income
-debtor has failed to file a feasible plan -must be pro rata/base div w/ a LM plan.
-need 2019 tax return by 8/15/20.
-Schedules fail to account for tax refund of $5,038 in dispos income( added in)




Plan:350 x 60 0% and Loan Mod on Forge Pond Rd by 8/1/20 .
payments:3/4
last claim:5-1, bar date:3/16/20
Matter ResolvedRequest
Adjourment
1096/10/2020 10:00 am20-10228 / MBKANDREW J KELLY, ESQConfirmation Hearing ScheduledDismissedDebtor has made 4 of 6 required payments   Arrears: $0  

AS OF 6/4/20 (at):

1. Objection filed by Kondaur Capital (Warren Jones) - plan is not adequately funded and does not propose post petition mortgage payments pending sale. (UNRESOLVED)

2. Stay motion filed by Kondaur Capital is scheduled for June 24, 2020. Debtor has made no post petition payments.

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - . The CMA provided is not dated. (NOT PROVIDED)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Disposable income verifies higher at $15,343.
- The amount of debt in the debtor(s) Plan exceeds the statutory limit for secured or unsecured debt pursuant to 11 U.S.C. ? 109(e).
- Schedule F shows debt total of $967,442.89
- File pre-confirmation certification. (NOT FILED)

Plan proposes: $100 x 1, beginning 2/1/2020, $150 x 35 beginning 3/1/2020, base, sale within one year of confirmation
Payments: almost 5/5, arrears $50
Matter ResolvedRequest
Adjourment
1106/10/2020 10:00 am20-10235 / MBKDavid M. Meth, Esq.Confirmation Hearing ScheduledContinued
6/16/2020 10:00 am
Debtor has made 2 of 6 required payments   Arrears: $0  

to be converted by 6/16 or D

AS OF 6/4/20 (SF) - This plan is not feasible.

3/11/20 Email from RAS - loan has been modified the maximum allowable times according to the Investor guidelines. As such, a loan modification is not a viable option.

1. Objection filed by Wells Fargo (RAS Citron) - Failure to pay arrears of $57,944.20

2. Objection filed by IRS (O'Hagan) - The debtor has not file tax returns for years 2016 and 2019. Failure to provide for payment of priority and secured claims. Also, the priority claim is estimated.

3. IRS filed secured claim 3-1 for $21,738 which is not addressed in the plan (OK TO PAY?)

4. IRS filed estimated priority claim 3-1 (NEED AMENDED CLAIM. MISSING 2016 AND 2019 RETURNS)

5. Santander/Chrysler Capital filed arrears claim 1-1 for $1269.78 which is not addressed in the plan (OK TO PAY)

6. The plan proposes to separately classify the State of NJ Dept of Taxation and pay in full but no claim is filed and why is this creditor listed under this section of the plan?

7. Trustee objection:
- Domestic Support Obligation information : Need proof of increase in child support from $1,390 to $1,478 or increase in the offset amount paid by debtor.
- A copy of the last filed tax return - : Need 2019 tax return by 8/15/20.
- A copy of the homeowner's insurance renewal declaration - : Need proof of insurance with liability coverage for NJ property. Need 1st page for policy covering NY vacant Lots.
- Income documentation for the debtor's part-time job verifies higher ($789) than scheduled ($571) resulting in $590 monthly disposable income which includes the prorated tax refund.
The Schedules fail to account for the debtor(s) tax refund in the amount of $3,652 when determining disposable income.
- There is $20,000 non-exempt equity in NY vacant lots. The Trustee needs an updated CMA to determine the non-exempt equity in the NJ property.
- must file pre conf cert.
- must complete Domestic Support Obligation info Sheet

Plan propose
Matter ResolvedRequest
Adjourment
1116/10/2020 10:00 am20-10457 / MBKKirsten B. Ennis Confirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $1,700.00  
6/2 workup for the 6/10 calendar

PER MBK LAST TIME CRED TO FILE POC AND OBJ TO CONF IF CAN NOT CRAM WI 30 DAYS AND ARGUE IF UNSECURED AND DISCHARGED

***PARTIES ARRANGING FOR COURT SOLUTIONS AT 2 PM WITH JUDGE PERMISSION (dm)***

1) Dean Hecker and Dean Hecker as the Executor of the Estate of Marlene Hecker (Tomes) objection to confirmation - need to resolve
-plan fails to pay pre petition arrears through plan and valuation supplied by debtor is too low cannot cram
2) M&T Bank (Parker McCay) objection to confirmation - need to resolve
-approximate arrears $74,963.52
*Mr. Cooper giving Covid forebearance until October 2020
3) Trustee objection to confirmation - need to resolve
-the debtor failed to file a feasible plan - proposed plan payments do not pay scheduled claims plus dividend to general unsecured creditors per filed Form 122C-2 Line 45
-need a copy of the last filed tax return - 2019 by 5/31/2020 - extended to 8/15/2020
-paystubs for spouse that includes name and address of recipient PROVIDED EMAILS SHOWING CANNOT BE PRINTED FROM ONLINE SITE WITH ADDRESS, LIKELY SECURITY REASONS
-need amendment to Form 122C to correct household size NOT DONE
-the debtor is not paying all disposable income into plan - per schedules there is monthly disposable income of $589.49 on Line 45 of Form 122C-2. This requires a minimum $35,369 dividend to general unsecured creditors AMENDED LINE 45 $1,765.49 WHICH REQUIRES MINIMUM $105,929.40 DIVIDEND TO GENERAL UNSECURED CREDITORS
-profit and loss statements are illegible! Need on spreadsheet showing rental income for each property and expenses for those properties. They should not be operating at a loss PER UPDATED PROFIT AND LOSS THE NET INCOME MONTHLY IS $2,6158
-debtors plan seek attorney fees from prior Chapter 7 in the amount of $13,179.60 and paid as a priority administrative claim in addition to Chapter 13 fees - TRUSTEE TO ADDRESS ISSUE WITH ATTORNEY
PER ATTY WD CLAIM

proposed plan $1700x60 base plan
paid in $51
Matter ResolvedRequest
Adjourment
1126/10/2020 10:00 am20-10498 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $3,600.00
AS OF 6/10/2020 (at):

RECOMMEND: $3,000 PAID TO DATE, $600 x 7 BEGINNING 7/1/2020, $1,242 x 48 BEGINNING 2/1/2021, BASE WITH A MINIMUM OF $11,780 TO GUC'S DUE TO NON-EXEMPT EQUITY IN THE RESIDENCE.
Need order resolving Metro City objection within 30 days of confirmation.

1. Objection filed by Metro City Bank (McCabe) - failure to cure full arrears of $17,738.11 (Per POC) (UNRESOLVED)
AR PER ATTY OK TO PAY
2. Trustee's 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 - 2019 by 8/15/2020. (full return) (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - : Policy provided expired 2/8/20. (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 $11,780.00 in non-exempt equity in the residence.

Plan proposes: $600 x 12, $975 x 48, base
Payments: 5/5
Matter ResolvedRequest
Adjourment
1136/10/2020 10:00 am20-10785 / MBKLawrence Friscia Confirmation Hearing ScheduledDismissedDebtor has made 1 of 6 required payments   Arrears: $0  

As OF 5/29/20(mk):


1.Case was rec dismiss back in March hearing due to issues & no Home insurance for 268 Hamilton Ave. Insurance uploaded 3/25/20 day of Ct and was given adj to 6/10/20. BUT THAT HOME INSURANCE EXPIRED 5/7/20.

2. 1/4 payments. NOTHING DONE SINCE LAST HEARING 3/25/20.ALL ISSUES ARE UNRESOLVED.

3. Same issues:Plan is 25 x 36 , base w/ LM on residence (175 King). Also has investment prop(268 Hamilton)- Income verified way less and None of Trustee's docs/objections resolved nor is creditor obj. NEED PROOF OF CURRENT INSURANCE ON HAMILTON RE( Expired 5/20/20)& both properties way under water; PLAN NOT FEASIBLE.

4.Objection by Select Portfolio((Fein): (Says Holds MTG on 175 King- Looks like that is mistake & their Mtg is on Hamilton RE)
-plan has 0 arrears.Amended POC arrears for Hamilton RE $11,145.12).

5 .Obj. by JP Morgan(McCalla):Says it hold Mtg on King Ave.(residence)
- plan no pay arrears. LM not feasible.

6. Loss Mit.Order entered on 2/3/20 for 175 King Ave.- WAS BANK EVER SERVED with the Request (#4)??

7. Trustee Objection:
-need Proof of 2 month's income - (The proof of income provided is lower than scheduled. The debtor needs to supply updated stubs)
-need 2019 return by 5/31/20.
- Need updated proof of current home insurance for the Hamilton Ave. property-EXPIRED 10/20/19.
-Amendments to Schedules B & C to include potential car accident.
- As of now,there is $76,080 equity in debtor's vehicles. Debtor claimed NJ exemptions.
- Order of distribution is contrary to T'ee std order.


Plan:$25 X 36 BEG 2/2020; LM BY 4/30/2020 (175 KING ST); BASE.
Payments:1/4
Last claim:3-2, Bar date:3/27/20
Matter ResolvedRequest
Adjourment
1146/10/2020 10:00 am20-10796 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 6 required payments   Arrears: $0  
Total Paid In: $1,535.00
AS Of 6/5/20(mk):updated-atty ok to terms


***CAN REC. CONFIRM AT 1,250 PTD,THEN $285 X 55, BEGIN 7/1/20;BASE; LM ON 44 KOENIG LANE BY 9/2/20;OTBS Resolving objection by Deutsche Bank w/in 30 days ;Trustee is not authorized to pay arrears on claim #3-1 to Deutsche Bank pending LM;
Must file a fee application w/in 7 days of confirming Order.***


1. IRS FILED ESTIMATED CLAIM.(Amended POC filed for $12,191.66.

2. Motion to Participate in Loss Mit. was Granted-( Order entered 6/2/20 -LM BY9/2/20)

3. Objection by Deutche Bank( RAS): RESOLVED -OTBS- LM BY 9/2/20.
-LM not offered or approved.

4. Trustee Objection:
plan is a LM- cannot be 0%.



Plan:$250 X 60 BEG 2/2020; LM BY 9/1/2020; 0%.
payment.4/4
last claim:4-1.Bar date:3/27/20
Matter ResolvedRequest
Adjourment
1156/10/2020 10:00 am20-10942 / MBKEdward Nathan VaismanConfirmation Hearing ScheduledContinued
7/22/2020 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $324.00  
As of 6/5/20 (DS): Debtor attorney requested adjournment to amend schedules and file mod plan

As of 6/3/20 (DS): 1. Debtor in arrears $370, made 2.60 out of 5 payments.

2. Trustee obj to the following:
- Need income affidavits from son, nephew and whoever the other close family relative is per cert, 2 months bank statements from Infinity FCU bank acct prior to filing date and updated homeowner insurance (insurance expired 3/30/20).
- Amendments to Schedules B and C to add year, make, model, mileage and values on all vehicles.
- Income verifies higher, there is disposable income $707.02 and tax refund $3,192 not listed on Sched I.
- Current Plan does not specify treatment of Consumer Portfolio for 2010 Volvo arrears $597.84.
- There is estimated to be non-exempt equity on 2010 Volvo, pending amended Schedules.
- Must resolve creditor , Deutsche bank objection.
- Must file Pre-confirmation certificate.

3. SPS obj to arrears not paid and loan mod.

Prop Plan $154 x 60 Base and Loan mod on County Rd 6 months after conf
Matter ResolvedRequest
Adjourment
1166/10/2020 10:00 am20-10965 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 4 of 6 required payments   Arrears: $0  

AS OF 6/5/20 (SF) - The Stay has been vacated on real estate since April and no modified plan has been filed or documents submitted.

1. Objection filed by Selene Finance/NJCC Fund - failure to pay arrears of $32,940.34 and speculative refinance

2. Objection filed by JPMorgan Chase (Phillip Raymond) - failure to pay arrears of $57,853.60 and speculative refinance (STAY IS VACATED)

3. Trustee objection:
- Need Proof of 2 month's income - (update when returns to full time work after COVID crisis)
- A copy of the homeowner's insurance renewal declaration - that shows personal liability coverage
- There is n/e equity of $8941.55 in real estate and $10,650 in equity in the debtor's bank account and $1300 in jewelry. This amount may increase or decrease depending on the filed proof of claims.


Plan proposes $200 x 60 Base, Refinance in 60 days
Payments: 4/5 Arrears: $200
Matter ResolvedRequest
Adjourment
1176/10/2020 10:00 am20-11045 / MBKJACQUELINE R ROCCI ESQConfirmation Hearing ScheduledContinued
8/12/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $900.00  
As of 6/4/20 Debtor attorney requested adjournment to resolve claim and file amended scheds and mod plan. Adjourned peremptory, no further adjournments, must resolve all issues.

As of 6/3/20 (DS): 1. Debtor in arrears $1,900, made 2.89 payments out of 5.

2. BELOW ISSUES NOT RESOLVED.

As of 4/2/20 (DS): Debtor attorney requested adjournment to resolve estimated claims.

4/8/20 (DS): 1. Trustee obj to the following:
- Proof of income provided from spouse verifies that there is disposable income $5,957.83, Debtor income $5,269.87 and spouse $7,631.20, minus expenses $6,943.24, leaves disposable income $5,957.83..
- Need 2019 for Debtor and spouse.
- Must amend 122C-1 and Schedule I to add spouse income, which may be above median, since spouse income is high and amend attorney disclosure to mark off attorney will be paid through plan or mod plan to remove attorney fees to be paid.
- Need service on motions in Plan to State of NJ and Office of Attorney General.
- Must resolve IRS (2019 not filed) and State of NJ (2018 not filed) estimated claims.
- Excessive expenses on Schedule J such as: Auto insurance $829 and car payment $548. Leaving disposable income $6,357.83. Bar date has passed, total gucs filed $99,953.73.
- Must file Pre-confirmation certificate.

Prop Plan $900 x 60 Base
Note: POI for Debtor and spouse, plus 2018 for spouse and bank statements provided (no non-exempt equity in bank accts).
Matter ResolvedRequest
Adjourment
1186/10/2020 10:00 am20-11375 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
8/12/2020 10:00 am
Debtor has made 2 of 6 required payments   Arrears: $1,636.00  
AR CAN ADJ IF CURRENT
issues as of 6/3/2020

1) Ferrari Investment/Woodmont Amboy Urban Renewal LLC d/b/a Woodmont Cove (Griffin Alexander) objection to confirmation - need to resolve
-claim not treated in plan
-supplemental objection filed
2) Not current with Trustee plan payments, arrears $1,377 only made 2 out of 5 plan payments
3) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income to fund plan
-need to provide proof of 2 months income
-need a copy of the 2019 tax return by 8/15/2020
-need amendment to Schedule C, I and 122C as they are blank and J to remove child support
-the debtor's plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution
-please file pre confirmation certification with court

proposed plan $469x18, $200x42 non exempt proceeds to Trustee base plan
paid in $918
arrears $1377
last claim 8
Matter ResolvedRequest
Adjourment
1196/10/2020 10:00 am20-11413 / MBKPRO SEConfirmation Hearing ScheduledDismissedDebtor has made 3 of 6 required payments   Arrears: $0  

ns
AR ATTY FOR B OF NY CONCURS WITH RECOMMENDATION AND REQUEST APPEARANCE IF HELD FOR JUDGE
AR THIS PLAN IS NOT FEASIBLE - PRIOR CASE DISM AFTER CONF
REC PLAN DENIED AND CONSULT WITH ATTY MP WI 21 DAYS
As of 6/3/20 (DS): 1. Debtor in arrears $300, made 3 out of 5 payments.

2. Trustee obj to the following:
- Need current CMA on Maria St and Harding Hwy properties, proof of income for November and December for Debtor and spouse if spouse is employed), 2019 tax return, if not filed must provide no later than 8/15/20, homeowner's insurance for Maria Street and Harding Hwy properties, mortgage statement for Maria Street and Deed for Maria Street and Harding Highway properties.
- Modified Plan that pays 60 months disposable income into plan (above median), completes Part 5a, Part 8a, 8c, 8d and correctly lists cures under Part 4a.
- Amendments to Schedule C (filed blank) and Schedule A to list 331 School House Rd property.
- 22c has disposable income on Line 45 of $1,404 which requires min. $84,240 dividend to gucs. Bar date has passed and total unsecured creditor claims filed $8,802.08.
- Plan needs to run 60 months pursuant to the B22C form and must include proposed sale date for property.
- Need to add Trustee standard order of distribution.
- Must file Pre-confirmation certificate.
- Must resolve creditor objection.

3. Wells Fargo obj to not in plan and arrears $5,598.59 not paid.

4. The Bank of NY Mellon obj to not in plan and arrears $65,658.82 not paid.

Prop Plan $150 x 20 PLAN TYPE NOT MENTION
Matter ResolvedRequest
Adjourment
1206/10/2020 10:00 am20-11419 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledDeniedDebtor has made 5 of 6 required payments   Arrears: $2,092.00  
att to file MP in 30 days and be current in 3 days per AR

AR REC DISMISSAL WITH 180 BAR
CAN ADJ IF CURRENT AND OBJ RESOLVED
s of 6/5/20 (SF) - NOT CURRENT WITH PAYMENTS: 2/5 ARREARS: $5560


1. Objection filed by US Bank/RMAC Trust (Stuart West) - failure to pay arrears of $305,517.48; plan not filed in good faith and is not feasible; repeat filer; Creditor intends to file MFR with prospective Relief

2. Objection filed by IRS (O'Hagan) - Debtor has not filed tax returns for years 2010 or 2019 and failure to provide for payment of secured claim. Priority claim is estimated.

3. State of NJ filed estimated priority claim 2-1 (NEED AMENDED CLAIM)

4. IRS filed estimated priority and unsecured claim 4-1 (NEED AMENDED CLAIM)

5. State of NJ filed secured claim for $46,818.22 not addressed in plan (OK TO PAY?)

6. IRS filed secured claim for $4428.50 not addressed in plan (OK TO PAY?)

7. Trustee objection:
- The debtor has insufficient income to fund the plan. He doesn't appear to net more than about $9,000 monthly with expenses of $12,300 monthly.
- Need A current market analysis - Staten Island Prop.
- mortgage payoff information for Staten Island
- Foreclosure info on Colts neck RE.
- Amendments to Schedules I to remove rental income.
- per the filed 22C it needs 100%-- $7855 monthly disposable income.
- In event of dismissal the debtor should be barred from refiling for a period of one year.
- Need appraisal on the Staten Island property. The insured value is $819,000 which the CMA provided shows a value of only $451,000.
- Need to provide proof of Staten Island mortgage payments

Plan proposes $2032 x 60 Base, Loan Mod on Staten Island property in 6 mos
Payments: 2/5 Arrears: $5560

RESOLVED ISSUES:
- Need proof of completed foreclosure for Colts neck property.(SHERIFF'S DEED PROVIDED)
Matter ResolvedRequest
Adjourment
1216/10/2020 10:00 am20-12021 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

As of 6/8/20 Debtor attorney requested adjournment, mod plan filed 6/5/20, no date given, will adjourn to available date.

As of 6/3/20 (DS): 1. Trustee obj to the following:
- Need updated homeowner insurance, if not confirmed, insurance expired 3/28/20 and 2019 tax return, if not filed, must provide tax return no later than 8/15/20.
- Must amend Schedules I & J due to loss of business income, if loss of income.
- Debtor has undertaken an improper use of exemption. Specifically: Debtors must provide documentation to demonstrate that Charles Schwab and E-Trade accounts qualify for 522(d)(10)(E) exemptions.
- There is $11,000 non-exempt fund in the Chase business acct, $19,396 non-exempt funds in Chase personal accts and $87,486.77 non-exempt equity in real estate with total $117,882.77. Total unsecured claims filed $4,546.07.
- Need clarification in Part 4e of Plan if debtor is rejecting lease agreement and not surrendering property that is owned.
- Must file Pre-confirmation certificate.
- Excessive expense items, such as: $4,994 mortgage payment.
- 22c has disposable income of $3,429, requires a $205,740 minimum dividend.

2. Arrears claim filed by Wilmington/Select Portfolio $52.96. Ok to pay?

3. IRS filed estimated claim, due to not filing 2019 tax return.

Prop Plan $250 x 36 Base
Matter ResolvedRequest
Adjourment
1226/10/2020 10:00 am20-12057 / MBKEdward Hanratty, Esq.Confirmation Hearing on Modified PlanDismissed - Hold FeesDebtor has made 4 of 5 required payments   Arrears: $0  

ISSUES AS OF 6/4/2020 (DM): Updated 6/5/20

***Motion to Approve Loan Mod filed - obj deadline is 6/5/20. Still need to address disposable income obj and how expenses increased on amended Sch J by $1,648 after we pointed out the income calculation error for the co-debtor, referenced below***

1) NJHMFA (PLUESE) OBJs - $10,317.87 arrears (UNRESOLVED).

2) MP provides for assumption of 2019 Dodge Ram lease with Teachers FCU - bifurcated POC filed on a leased vehicle with $24,025 scheduled as secured and $12,486.42 unsecured (UNRESOLVED).

3) Trustee OBJ:
- Income verifies higher - disposable net is $2,417 - Note at 341, co-debtor laid off from part-time job, need amended Sch I&J (ADJUSTING INCOME DUE TO PART-TIME JOB LAYOFF - DISPOSABLE INCOME WOULD BE $2,005 PER MONTH).
-Based on co-debtor's full time job pay stub, it appears there is an error on Sch I which lists income at $1,903. The average pay stub is $1,703 per pay period which calculates to $3,712 per month.


RESOLVED TRUSTEE ISSUES:
---------------------------------
- Need proof of DSO income (RECEIVED).
- need a MP that completes Part 5b (MP CORRECTS).
- Need copy of 401k loan statement (RECEIVED).
- Need to file Pre-Confirmation Certification (FILED).


Prop. Plan $103 x 3, $137 x 33, Base Plan
PTD 4/4 = $446
Last Claim (27-1)
Matter ResolvedRequest
Adjourment
1236/10/2020 10:00 am20-12087 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
8/26/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $447.00  
AS of 5/29/20(mk):

>>NEEDS TO RESOLVE # 2 & 3, Then can work up<<

1.MP filed 4/21/20(#26) . This workup is for that plan.

2. Objection by MTGLQ (RAS):MP filed - Pay arrears pending LM-YES ??
-Plan fails to pay arrears.

3. IRS filed Estimated claim. for 2016 taxes($12,104.33). No return filed.

4. Trustee Objection:
-need 2019 return by 8/15/20.
-need update car insurance for all three vehicles.
-need MP that removes Ally & Wells fargo. 9FILED)
-Attorney's fees in the plan and disclosure statement do not agree.(MP corrects).



Plan:447 X 60 BEG 3/20; LM 6 MOS AFTER CONF (38 GOODWIN LN); BASE
payments:3/3
last claim:6-1,bar date:4/17/20
Matter ResolvedRequest
Adjourment
1246/10/2020 10:00 am20-12386 / MBKMARCIA Y. PHILLIPSConfirmation Hearing ScheduledContinued
8/4/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $292.00  
ADJOURNMENT REQUEST IS DENIED FOR FAILURE TO OBTAIN CONSENT
issues as of 5/29/2020

1) 341 not held, STILL not rescheduled - THE 4/8 CONFIRMATION HEARING WAS ADJOURNED AND NOTHING HAS HAPPENED SINCE
2) current with Trustee plan payments
3) Need to file Pre Confirmation Certification with Court
4) Nissan Motor Credit Acceptance Corporation (Stewart Legal) objection to confirmation - need to resolve
-replacement value is $11,050
5) IRS priority claim 7 is estimated for tax years 2016, 2017 and 2019 - need to resolve
6) IRS secured claim 8 is estimated for tax years 2009, 2010, 2011, 2012 and 2013 - need to resolve

proposed plan $292.33x60 base plan
paid in $876.99
last claim 10
Matter ResolvedRequest
Adjourment
1256/10/2020 10:00 am20-12806 / MBKSTEVEN J ABELSON, ESQConfirmation Hearing ScheduledContinued
8/4/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS of 5/29/20(mk):


1. IRS filed priority POC w/ Estimated portion for 2019. NEED AMENDED POC.

2. Trustee Objection: No updated income so same issues re higher dispos income.
- debtor not paying all disposable income into the plan. Trustee's calculations higher f b/c income verified higher($5,250.66) than scheduled($4,396.00) resulting is monthly dispos. income of $1,152.66 .
-Also.,line 23 Optional telephone;line 30 additional food $24-All require proof.
-must file pre conf. cert.
Distribution is per plan.
-need 2019 tax return-( provided- no refund, owed $.)


Plan:275 x 60 BEG 3/20; BASE.
payments:4/43
last claim:23-1, bar date:4/29/20
Matter ResolvedRequest
Adjourment
1266/10/2020 10:00 am20-12918 / MBKEric ClaymanConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 5 required payments   Arrears: $572.00  Total Paid In: $1,022.00
5/28 workup EDC - There is a MP scheduled for 6/16/20--will be marked withdrawn

needs $450 paid then $562 x 24 beg 6/1/20 then 312 x 15 beg 6/1/22 (42 mos plan) 0%--pay $2000 attorneys fees and Fenmore concurrently first over 27 total months with remaining att fees paid over remainder of plan--37 month plan-use trustee order of distribution

*Trustee obj:
--The debtor has insufficient income . Income verifies lower..
--The debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l).
--Must file Pre-confirmation certification.
* Fernmoor Mt. Holly Urban Renewal LLC (Griffin) objection to confirmation - need to resolve
-claim $9,762.05(order submitted pay as prompt cure over 27 months)
Matter ResolvedRequest
Adjourment
1276/10/2020 10:00 am20-13059 / MBKMOSHE ROTHENBERG, ESQConfirmation Hearing ScheduledContinued
7/22/2020 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $200.00  
As of 6/9/20 (DS): Debtor attorney requested adjournment to allow time to file mod plan.

As of 6/9/20 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, income verifies $-876.75.
- PER EMAIL FROM SPOUSE LEASED HONDA WAS TOTALLED IN ACCIDENT, NEED MOD PLAN TO SURRENDER/REJECT LEASE, SINCE PLAN ASSUMES THE LEASE. Auto insurance for other leased vehicle and/or information regarding whether their is a claim resulting from the accident.
- Amendments to Schedule I to correct how spouse's income is disclosed. - AMENDED 6/5/20 TO CORRECT SPOUSE IS CHEF AND DEBTOR BABYSITTER.
- Must file Pre-confirmation certificate. - FILED 6/5/20

2. The Money Source obj to loan mod and arrears not paid. Obj must be resolved.

Prop Plan $100 x 60 Base and Loan mod on Forest Cir by 9/1/2020
Note: Homeowner insurance provided.
Matter ResolvedRequest
Adjourment
1286/10/2020 10:00 am20-13758 / MBKLEE M PERLMAN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,600.00
AS OF 6/9/20 (at):

RECOMMEND: $400 x 36 BEGINNING 4/1/2020, BASE WITH A MINIMUM OF $1,740 DUE TO NON EXEMPT EQUITY IN TIMESHARE, LOAN MOD BY 9/4/2020
Need order resolving objection by Nationstar within 30 days of confirmation.


1. Objection by Nationstar/Mr. Cooper (Phelan) - failure to cure arrears of $107,100.71 (Per POC) (PER E-MAIL - RESOLVED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2019. (RECEIVED)
- 2 months bank statements for TD Bank acct ending #6244 prior to filing date. (RECEIVED CERT THAT BANK ACCOUNT WAS CLOSED IN OCTOBER, 2018)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Cell Phone $327, Life insurance $197 and timeshare $79 (luxury item).
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity on timeshare $1,740, bank accounts $3,416.29 or more (pending bank statement from acct #6244 not yet provided) and possibly real property, pending claims or second mortgage statement provided.
- Need updated mortgage statement from TD Bank (2nd mtg). Statement provided is dated 5/23/18. Plan has current and outside. (NOT RECEIVED - no obj filed)
- Must resolve creditor objection. (RESOLVED)
- Must file Pre-Confirmation Certification. (FILED)

Plan proposes: $400 x 36, base, loan mod within 6 months of filing (9/4/20)
Payments: 3/3
Matter ResolvedRequest
Adjourment
1296/10/2020 10:00 am20-13976 / MBKSCOTT E. TANNE, PC.Confirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $300.00  
341 scheduled by 6/24 or D

AS OF 6/2/2020 (at): 6/10/20 Per Bud, no docs received.sf

1. 341 has not been held or rescheduled
2. Payments: 0/3, arrears $900
Matter ResolvedRequest
Adjourment
1306/10/2020 10:00 am20-14448 / MBKROBERT C NISENSON ESQConfirmation Hearing on Modified PlanContinued
8/12/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $200.00  
As of 6/3/20 (DS): 1. Trustee obj to the following:
- Need auto insurance (if not confirmed, insurance expires 6/26/20), 2 months bank statements from First National Bank prior to filing date and proof of debtor 1/5 interest in Trust. Copy of trust document.
- Amendments to Schedules B and C to add Bank of America savings acct.
- Debtor has undertaken improper use of exemption. Specifically: (d)(5) over exempts for Debtor, since accounts are joint and Debtor takes full (d)(1). Co debtor has 1/5 interest.
- Excess expense with mortgage payment $300, since none is listed on Sched D or Plan.
- Current Plan does not specify treatment of Wells Fargo/Value City with arrears $200.81 under the Plan.
- There may be non-exempt equity on real property and personal assets pending review of documents.

Prop Plan $200 x 60 Base and Sale of Main St by 9 months from conf
Note: Homeowner insurance
Matter ResolvedRequest
Adjourment
1316/10/2020 10:00 am20-14710 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 4 required payments   Arrears: $0  
Total Paid In: $2,672.00
AS OF 6/3/20 (at):

RECOMMEND: $2,004 PAID TO DATE, $558 x 33 BEGINNING 7/1/2020, 100% TO GUC'S
Need to file Pre-Confirmation Certification within 10 days of confirmation.
Preserve non-exempt equity of $88,743.43 in residence.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2019 (CERT OF NON FILING RECEIVED)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $88,743.43 in non exempt equity in the residence.
- Need to file Pre-Confirmation Certification. (NOT FILED)

Plan proposes: $668 x 60, 100% to guc's
Payments: 3/3
Matter ResolvedRequest
Adjourment
1326/10/2020 10:00 am20-15050 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $800.00
AS OF 6/5/20 (SF)

RECOMMEND $200 X 60 BASE (BEGIN 4/1/20)
- Must provide copy of 2019 Tax Return by 8/15/20
- Need amended IRS priority claim by 8/15/20
- Must file pre-confirmation certification within 10 days
- Trustee Standard Order of Distribution



1. IRS filed estimated priority claim 1-1 (NEED AMENDED CLAIM)
2. Trustee objection:
- A copy of the last filed tax return: 2019 tax return by 8/15/20.
- As of now , there is $155 in non exempt equity in real estate. (Moot)
- must address IRS claim that includes an estimated portion for 2019.
- needs trustee order of distribution.
- must file pre conf cert.


Plan proposes $200 x 60 Base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1336/10/2020 10:00 am20-15133 / MBKDAVID G BESLOW, ESQConfirmation Hearing ScheduledContinued
6/24/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $400.00  
To get current and attend 341 by 6/24 or D
Matter ResolvedRequest
Adjourment
1346/10/2020 10:00 am20-15164 / MBKMICHAEL MCLAUGHLINConfirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $500.00  
Matter ResolvedRequest
Adjourment
1356/10/2020 10:00 am20-15210 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $1,746.00  Total Paid In: $3,430.00
As of 6/2/20 (DS): Need to confirm at $1,715 x 2 begin 5/1/20, $1,746 x 58 begin 7/1/20 pro r/ata dividend to gucs and Debtor must move against the IRS estimated claim no later than 8/15/20

1. IRS filed estimated claim, due to 2019 not filed, per 2019 tax return Debtor self-prepared, no date listed owes IRS $46 for 2019.

Prop Plan $1,715 x 60 Base
Matter ResolvedRequest
Adjourment
1366/10/2020 10:00 am20-15232 / MBKBRIAN L HOFFMAN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $0  
Total Paid In: $1,892.00
updated 6/8/2020 to add consent order for Santander objection
as of 6/3/2020

Ok to confirm at $1,100 paid to date, $792x58 begin 7/1/2020 base plan
-adequate protection payments $152.29 to Santander, consent order being filed

proposed plan $1100 paid $754x58 begin 7/1/2020 base plan
paid in $1100
last claim 5
Matter ResolvedRequest
Adjourment
1376/10/2020 10:00 am20-15320 / MBKSTEVEN J ABELSON, ESQConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $1,050.00  
AS OF 6/2/20 (SF)


1. Trustee objection:
- The debtor has insufficient income : debtors income verified lower than scheduled amount using income provided..
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $1,200 student loans.
- need support for $750/expenses for spouse
Form 122c:
- Line 23 $100 (allowed $50)
- need statement for debtors payroll loan showing balance due

2. Order of distribution to be paid per plan.


Plan proposes $750 x 60 BASE/W/MIN $7320 TO GUCS
Payments: 1/2 Arrears: $750

Matter ResolvedRequest
Adjourment
1386/10/2020 10:00 am20-15328 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
8/12/2020 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $720.00  
Matter ResolvedRequest
Adjourment
1396/10/2020 10:00 am20-15341 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,400.00  
AS OF 6/8/2020 (at):

NEED TO REQUEST AN ADJOURNMENT OF THE CONFIRMATION HEARING.

1. 341 is scheduled for 6/18/2020
2. Payments: 2/2
Matter ResolvedRequest
Adjourment
1406/10/2020 10:00 am20-15368 / MBKANDREW B FINBERG ESQConfirmation Hearing ScheduledDismissedDebtor has made 0 of 3 required payments   Arrears: $0  

issues as of 5/29/2020

1) 341 not held, not rescheduled - still missing documents needed for 341 hearing
2) No Trustee plan payments to date, arrears $2,000
3) Need to file Pre Confirmation Certification with Court
Matter ResolvedRequest
Adjourment
1416/10/2020 10:00 am20-15372 / MBKEric ClaymanConfirmation Hearing ScheduledContinued
8/4/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1426/10/2020 10:00 am20-15397 / MBKSTEVEN J ABELSON, ESQConfirmation Hearing ScheduledContinued
8/12/2020 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $100.00  
AS of 6/5/20(mk):

..What's status on debtor's employment? (ATTY Reply- debtor going back to wk. Needs MP to address creditor obj.)


1. T"ship of Freehold Tax Collector filed secured POC(arrears $3,533.27- & total secured claim of $6,994.07. NOT IN PLAN.

2. Objection by Stonehurst Association(Becker):THIS CREDITOR FILED UNSECURED POC 4-1
-plan fails to treat as secured lien

3. Trustee Obj.
-debtor has insufficient /no income . Monthly dispos. income negative (-$1,346.20.).
-debtor has failed to file a feasible plan. Debtor is unemployed - no income.
--need CMA w/ comparables, not just a letter (100% PLAN).
-need February and March bank statements for Charles Schwab, Santander and Bank
of America accounts (100% PLAN).
- Modified Plan that proposes a base or 100%, but not both (Or just add lang it is 100% PLAN).
-Schedules fail to account for tax refund $562.00 for dispos income( added in).
-there is $71,900 in non exempt equity in the residence (100% PLAN).
-distribution is per plan.
-need to file Pre-Confirmation Certification.



Plan:100 x 19; 1443 x 41begin 12/21/20;100% std loans outside
Payments:2/2
last claim: 11-1,bar date:6/17/20
Matter ResolvedRequest
Adjourment
1436/10/2020 10:00 am20-15446 / MBKMarta Gold Confirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 6/8/2020 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A Modified Plan that increases trustee payment in December 2020 when auto payment ends
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $200/month for car insurance (actually $122/month)
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 $1,436.00.
- Reviewed the 22C, gross monthly income is $6,750. Per the 22C, Line 25 (health insurance) should be $89.45. Monthly disposable income is $1,052 which would require a minimum dividend of $63,120 to general unsecured creditors.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,858.00 when determining disposable income.
- Need to file Pre-Confirmation Certification. (FILED)
- The attorney's fees in the plan and the disclosure statement do not agree. Plan states $2,373 will be paid as an administrative claim and the Disclosure states $2,373 will be paid outside of the plan. One of these must be amended. (DISCLOSURE AMENDED - STILL SAYS PAID OUTSIDE)

Plan proposes: $550 x 60, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
1446/10/2020 10:00 am20-15477 / MBKS DANIEL HUTCHISON ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 2 of 3 required payments   Arrears: $809.00  Total Paid In: $1,567.00
AS OF 6/10/2020 (at):

RECOMMEND: $792 X 60 BEGINNING 5/1/2020, BASE, LOAN MOD BY 9/30/2020
Need Pre-Confirmation Certification within 10 days of confirmation.

MP proposes: $792 x 60 beginning 5/1/2020, base, loan mod by 9/30/2020
Payments: 1/2, arrears $792 (debtor made june payment on 6/5/20 - no arrears)
Matter ResolvedRequest
Adjourment
1456/10/2020 10:00 am20-15587 / MBKSTACEY L MULLEN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $920.00  Total Paid In: $1,840.00
As of 6/4/20 (DS): Ok to confirm at $920 x 60 begin 5/1/20 pro rata dividend to gucs and add to confirming order Trustee ok to pay the arrears claim of OneMain claim#3-1

1. Trustee obj to the following:
- Need Trustee standard order of distribution.
- Arrears claim filed by OneMain $20. Ok to pay?
- Must resolve creditor obj.

2. MTGLQ Investors obj arrears more, creditor not listed properly. Claims filed $26,751.23. Obj must be resolved. C/O entered

Prop Plan $920 x 60 Base
Note: Income SSI.
Matter ResolvedRequest
Adjourment
1466/10/2020 10:00 am20-15786 / MBKWARREN BRUMEL, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $660.00
issues as of 6/1/2020 - Atty ok with terms.sf

OK TO CONFIRM AT $220X12 BEGIN 5/1/2020, $350X24 BEGIN 5/1/2021 BASE PLAN

1) Trustee objection to confirmation - need to resolve
-need proof of auto insurance - POLICY PROVIDED EXPIRED 5/23/2020 (RECEIVED)
-must file Pre Confirmation Certification with Court - FILED
Matter ResolvedRequest
Adjourment
1476/10/2020 10:00 am20-15793 / MBKEdward Nathan VaismanConfirmation Hearing ScheduledContinued
8/12/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

341 on for 6/18/20
Matter ResolvedRequest
Adjourment
1486/10/2020 10:00 am20-15799 / MBKKevin Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $2,580.00
AS OF 6/2/20 (SF)

RECOMMEND $860 X 49 (BEGIN 5/1/20) 100% PLAN


Plan proposes $860 x 49 100%
Payments: 1/2 Arrears: $860
Matter ResolvedRequest
Adjourment
1496/10/2020 10:00 am20-15837 / MBKLAWRENCE L ABT III ESQConfirmation Hearing ScheduledContinued
8/12/2020 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $633.00  
341 NOW ON 6/18/20. NEEDS REQUEST TO ADJ. THIS CONF. HEARING
Matter ResolvedRequest
Adjourment
1506/10/2020 10:00 am20-15841 / MBKMark K. Smith, Esq.Confirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 6/2/2020 (at):

1. American Honda Finance filed a secured arrears claim #1 (2017 CRV) in the amount of $575.83 which is not in the plan. Is it ok to pay this claim?

2. American Honda Finance filed a secured arrears claim #2 (2017 Accord) in the amount of $524.67 which is not in the plan. Is it ok to pay this claim?

3. Objection filed by Wilmington Savings (Parker McCay) - failure to cure arrears of $98,785.30 or to provide an appraisal. (strip off of 2nd mortgage)

4. Objection filed by JP Morgan Chase (McCalla) - failure to cure full arrears of $33,102.72. (Per POC)

5. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - . Need current CMA, the document provided is more than 1 year old. (NOT RECEIVED)
- A copy of the last filed tax return - . Need copy of 2019 Tax Return by 8/15/20 (NOT RECEIVED YET)
The debtor has undertaken an improper use of exemption.
- Specifically: Debtor takes 100% d(5) exemption on unknown value for 4 Rachel LLC which is a defunct corporation.
Not proper.
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):
- 1. Excessive expenses on Schedule J: $800 vehicle insurance
- 2. Excessive expenses per profit and loss: $9829 Legal Fees (need explanation); $2000 vehicle insurance (Is this the same insurance on Schedule J?)
The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Wilmington Savings Fund Society.File pre-confirmation certification. (CERT OF SERVICE NOT FILED)

Plan proposes: $600 x 60, base
Payments: 1/2, arrears $600
Matter ResolvedRequest
Adjourment
1516/10/2020 10:00 am20-16149 / MBKJEANIE D WIESNERConfirmation Hearing ScheduledContinued
7/14/2020 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $305.00  
AS OF 6/2/2020:

1. 341 has not been held or rescheduled
2. Payments: 0/1, arrears $325 - PYMT POSTED
Matter ResolvedRequest
Adjourment
1526/10/2020 10:00 am20-16647 / MBKROBERT C NISENSON ESQOrder Show CauseWithdrawn
MISSING DOCS
Matter ResolvedRequest
Adjourment
1536/10/2020 2:00 pm19-14984 / MBKSTEPHANIE RITIGSTEINMotion CompensationGrantedTotal Paid In: $16,242.00
Matter ResolvedRequest
Adjourment
1546/10/2020 2:00 pm19-18889 / MBKEric ClaymanMotion CompensationWithdrawnTotal Paid In: $2,600.00
Trustee obj<>
Matter ResolvedRequest
Adjourment
1556/10/2020 2:00 pm20-16462 / MBKPETER E ZIMNIS, ESQOrder Show CauseWithdrawn
MISSING DOCS
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes