Judge Christine M. Gravelle
Hearing Date: 6/15/2022
Hearing Count: 142
Last Updated: 06-24-2022 06:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
16/15/2022 9:00 am15-31868 / CMGPaul N. Mirabelli, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $26,597.00
Debtor obj, will pay<> ARREARS $375 as of 6/13/22.

6/13/22(mk): Recap is $26,597.38 PTD, Then $201 x 5 begin 7/1/22- email to atty-ok to terms
Matter ResolvedRequest
Adjourment
26/15/2022 9:00 am17-16894 / CMGJohn Zimnis, Esq.Creditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $22,107.00
Debtor obj<> WELLS FARGO/East Franklin (Brock & Scott)



Mk6/10/22: Order submitted adds $26,496.90 to be cap in to plan & MP w/in15 days
Matter ResolvedRequest
Adjourment
36/15/2022 9:00 am17-19141 / CMGJONAS SINGER, ESQ.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/6/2022 9:00 am
Total Paid In: $58,830.00
ARREARS and Plan balance $942.09 as of 6/13/22. We are in month 61.

Atty getting proof of cashiers cks sent to TN to complete case payoff
Cashier's checks were sent as follows:
$2000.00 on June 1, 2022-posted 6/13/22
$1000.00 on June 3, 2022
$300.00 on June 8, 2022-posted 6/10 /22
All sent USPS Priority mail
Matter ResolvedRequest
Adjourment
46/15/2022 9:00 am17-19797 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/6/2022 9:00 am
Total Paid In: $43,197.00
6/13/22(mk): Proof of money orders for 1,000 and $527- will adj for posting



Debtor obj, made pymt<>ARREARS & plan balance $1,525.47. We are in month 61.

recent payment of 3,000 posted on 5/16/22- email to atty
Matter ResolvedRequest
Adjourment
56/15/2022 9:00 am18-13004 / CMGSteven N. Taieb, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $23,916.00
Debtor obj<> FAILED TO LM BY 7/22/19

MP FILED >REC DISMISS<<

-MP On for 6/15/22- extends time to LM-
Matter ResolvedRequest
Adjourment
66/15/2022 9:00 am18-14819 / CMGROBERT G SWAN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $36,018.00
SV/WILMINGTON
Matter ResolvedRequest
Adjourment
76/15/2022 9:00 am18-19366 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
7/6/2022 9:00 am
Total Paid In: $38,357.00
Debtor obj<>SELENE FINC /Ocean Ave (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
86/15/2022 9:00 am18-19773 / CMGKevin C. Fayette, EsqMotion to Cancel and DischargeGranted
MTN TO CANCEL DISCHARGE/INDY MAC BANK
Matter ResolvedRequest
Adjourment
96/15/2022 9:00 am18-25697 / CMGLaurence R. Sheller, Esq.Trustee Certification of DefaultDismissedTotal Paid In: $28,004.00
Debtor obj, can pay<> ARREARS $4,355 as of 6/7/22. Last pay 2/24/22

6/8/22(mk): email to atty
Matter ResolvedRequest
Adjourment
106/15/2022 9:00 am18-29622 / CMGBRUCE H. LEVITTTrustee Certification of DefaultContinued
7/6/2022 9:00 am
Total Paid In: $80,455.00
mk adj to july 6 for $ to post

Debtor obj, will pay<> ARREARS 13,430 as of 6/7/22. last pay 2/1/22

>>FYI-SV ORDER ENTERED 5/13/22 ON CREDITOR CERT OF DEFAULT. CASE NO LONGER FEASIBLE
Matter ResolvedRequest
Adjourment
126/15/2022 9:00 am18-31145 / CMGJACQUELINE R ROCCI ESQMotion Approval to Participate in the Court's Loss Mitigation ProgramGrantedTotal Paid In: $38,526.00
LOSS MIT
Matter ResolvedRequest
Adjourment
116/15/2022 9:00 am18-31145 / CMGJACQUELINE R ROCCI ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $38,526.00
Debtor obj<>NEWREZ/SHELLPOINT/Miara St (HILL WALLACK)

6/14/22(mk): OTBS
Resolution Details:
Debtor shall cure post-petition arrears via Loan Mod by 8/15/2022 or as extended by court (debtor is entering into Loss Mit Program)
Matter ResolvedRequest
Adjourment
136/15/2022 9:00 am18-31202 / CMGPHILIP R KAUFMAN, ESQCreditor Certification of DefaultContinued
7/6/2022 9:00 am
Total Paid In: $31,450.00
MK; adj to 7/6/22 to be current w/ mtg and Tr


AR 2ND LISTING PER LENDER POST PET ARREAARS NOW $2,019.51 DEBTOR ATTY REACHING OUT TO CLIENT

Debtor obj<> CARRINGTON MTG/Cumberland Rd (Hill Wallach)
Matter ResolvedRequest
Adjourment
146/15/2022 9:00 am19-19915 / CMGGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $24,230.00
ARREARS 3,781 as of 6/7/22. last pay 1/4/22

ALSO - SV ORDER ON 6/1/22

6/14/22:atty says ok to dismiss
Matter ResolvedRequest
Adjourment
156/15/2022 9:00 am19-20028 / CMGRobert Manchel, Esq.Trustee Certification of DefaultContinued
7/6/2022 9:00 am
Total Paid In: $23,160.00
6/14/22(mk): Certified Ck was sent for 3500 on Sat. 6/10/22- copy was attached to email

mk: adj request was denied

(amt: 6/1 pymt nsf)<<>>

**6/12/22(mk): email to atty on NSF for 3600 payment- arrears total 4,920 now- debtor is now excluded form Epay

Debtor obj, will pay<> ARREARS paid but now owes June payment of 1,230 before it can be w/d
Matter ResolvedRequest
Adjourment
166/15/2022 9:00 am19-20370 / CMGWARREN LEVY, ESQ.Creditor Certification of DefaultContinued
7/6/2022 9:00 am
Total Paid In: $19,370.00
AR NOTE 3,022.37
ARREARS
Debtor obj<>JPMorgan/11th Avenue (Fein Such)
Matter ResolvedRequest
Adjourment
176/15/2022 9:00 am19-25976 / CMGRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $40,249.00
6/14/22(mk); Atty email-dismissing case

Debtor obj<>SV/M&T; ARREARS as of 6/7/22 $5,549
Matter ResolvedRequest
Adjourment
186/15/2022 9:00 am19-28171 / CMGPRO SETrustee Certification of DefaultWithdrawnTotal Paid In: $10,250.00
6/7/22(mk) Current

Debtor obj<> ARREARS

6/6/22: debtor pay receipt for june payment$ 386 . once it posts can w/d


5/26/22(mk) debtor sent proof of 2 more payments made. They need to post. debtor will pay June prior to the hearing date

5/9/22; made payment. arrears now $772- email to debtor
Matter ResolvedRequest
Adjourment
196/15/2022 9:00 am19-29587 / CMGJohn Michael McDonnell, Esq.Motion SellGrantedTotal Paid In: $17,336.00
303 McKINLEY AV

Sale proce:640,000- realtor and sp counel appointed. All NE proceeds to trustee. per sch c exemption claimed was 24,200. no gucs in case- only the mtg
Matter ResolvedRequest
Adjourment
206/15/2022 9:00 am19-29721 / CMGBRUCE W RADOWITZ ESQMotion Relief from Stay (Fee)WithdrawnTotal Paid In: $43,554.00
WELLS FARGO BANK/2012 Mercedes (LOGS)
Matter ResolvedRequest
Adjourment
216/15/2022 9:00 am20-11058 / CMGStephanie Ritigstein, Esq.Trustee Certification of DefaultContinued
7/20/2022 9:00 am
Total Paid In: $8,416.00
6/14/22(mk): email to atty

Debtor obj. increased expenses, requests recap<>

ARREARS $1,680 as of 6/7/22 last pay 11/5/21

as of 6/8/22>>NO NOTICE OF SETTLEMENT OR MOTION HAS BEEN FILED FOR DOG BITE CASE<NEED STATUS


>>Per atty debtro has dog bit case- settle- needs time to file motion for approval ( sp counsel has already benn retained.

Matter ResolvedRequest
Adjourment
226/15/2022 9:00 am20-11183 / CMGTIMOTHY P KANE ESQTrustee Certification of DefaultDismissedTotal Paid In: $22,442.00
Debtor obj, will pay<> ARREARS 4,120 as of 6/7/22. last pay 2/25/22


6/8/22(mk: email to atty- be current or case will be dismissed
Matter ResolvedRequest
Adjourment
236/15/2022 9:00 am20-11853 / CMGBRUCE W RADOWITZ ESQMotion Dismiss CaseGrantedTotal Paid In: $64,717.00
DEBTOR MTN TO DISMISS
Matter ResolvedRequest
Adjourment
246/15/2022 9:00 am20-13668 / CMGSTEPHANIE SHRETER, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/7/2022 9:00 am
Total Paid In: $4,725.00
Debtor obj, in trial<>FAILED TO LM BY 2/4/21; EXTENDED LOSS MIT EXPIRED 4/20


MK: debtro has trial LM. last payment 8/1/22
Matter ResolvedRequest
Adjourment
256/15/2022 9:00 am20-14594 / CMGSCOTT M WILHELM, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $11,389.00
Debtor obj<> FAILED TO FILE ORDER RESOLVING SERVIS MFR BY 2/22/22**; FAILED TO FILE FEE APP FOR $800 PROPOSED IN PLAN BY 2/22/22( atty w/d(#46) this fee app filed at #38)

** creditor Servis One was to submit the order- mk asked Scott Wilhelm to submit it under 7 day rule ( it is to apy Post pet thru plan) creditor's objection to pay thru plan was overruled and counsel for creditor ( local atty appeared for Fla.atty) never submitted the order

MK: debtor's atty , based upon my request, submitted an order on MFR to Chambers 6/8/22. Therefore this can be w/d
Matter ResolvedRequest
Adjourment
266/15/2022 9:00 am20-17133 / CMGAndrew Thomas Archer Motion Relief from Co-Debtor StayGrantedTotal Paid In: $9,072.00
Debtor obj(*WITHDRAWN*)<> US BANK/Clark Lane (Friedman Vartolo)


Mk: fyi Motion to participate in Loss Mitt. GRANTED 3/17/22
Matter ResolvedRequest
Adjourment
276/15/2022 9:00 am20-19464 / CMGWilliam H. Oliver, Jr., Esq.Motion Motion (Generic) - Only use if no other event is applicableOrder to be SubmittedTotal Paid In: $24,245.00
Mk: revised order- strike the acceleration provision form the order

MTN TO CONVEY 1/2 INTEREST OF 453 SURF AV TO HUSBAND.

TR OBJECTION:
Motion Papers contain inaccurate information:

MK: Title of Motion says convey interest in Surf Ave- debtor owns that 100%. Then motion recital says 50% interest in 16 Trumble Idel Rd. Frenchtown, NJ to Selene Finance

debtor cert says wants to convey 50% of her interest in Surf Ave to spouse.

>.DEED THAT WAS UPLOADED shows in 2007 Ruth & Michael conveyed prop. to Ruth alone. Sch A says debtor owns 100%
NJ Parcels has it in her name alone. mtg in her name .At time of confirmation valued at 228,600. Zillow value today 342,000 - still appears to be underwater

Notice of appearance for creditor Champion /Nationstar was filed by RAS firm. This motion notices McCalla Firm- Transfer of claim was filed 3/25/22- went form Champion /Nationstar to PHH Mtg- in Fla- service was on "Championship Mtg in Texas and McCalla firm
Matter ResolvedRequest
Adjourment
286/15/2022 9:00 am20-20285 / CMGRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $11,880.00
Mk 6/14/22:atty taking a dismissal

mk: pacer has MP >>ISSUES?OBJECTIONS 6/15/22.

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

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

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

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

Arrears cured





Matter ResolvedRequest
Adjourment
296/15/2022 9:00 am20-22234 / CMGRussell L. Low, Esq.Motion to Approve Loan ModificationRevised Order SubmittedTotal Paid In: $16,853.00
Tr obj<>MTN TO APPROVE LM

>>REVISED ORDER IN PROPER FORM WAS SUBMITTED TO CHAMBERS 5/26/22(mk)
Matter ResolvedRequest
Adjourment
306/15/2022 9:00 am20-23240 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $4,100.00
ARREARS $8,500 as of 6/13/22
Matter ResolvedRequest
Adjourment
316/15/2022 9:00 am21-13008 / CMGAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/3/2022 9:00 am
Total Paid In: $24,588.00
Debtor obj<>FAILED TO ADDRESS IRS EST CM #1-2u BY 3/8/22
Matter ResolvedRequest
Adjourment
326/15/2022 9:00 am21-13325 / CMGDaniel E. Straffi, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGranted
MTN TO RECLASSIFY TD BANK #4 TO GUC $45,718.75

mk: equity loan on FL prop that was transferred to Proximo Properties

Matter ResolvedRequest
Adjourment
336/15/2022 9:00 am21-14739 / CMGJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $4,300.00
Debtor obj<>AJAX MTG /Wall St (PLUESE, BECKER)
Matter ResolvedRequest
Adjourment
346/15/2022 9:00 am21-14868 / CMGCarrie J. Boyle, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
7/6/2022 9:00 am
Total Paid In: $1,264.00
Whitehall obj (Giordano)<>MTN TO MODIFY WHITEHALL APARTMENTS POC # 13-1

6/10/22(mk: parties trying to resolve
Matter ResolvedRequest
Adjourment
356/15/2022 9:00 am21-14868 / CMGCarrie J. Boyle, Esq.Motion Cross MotionContinued
7/6/2022 9:00 am
Total Paid In: $1,264.00
WHITEHALL APT CROSS MTN TO COMPEL PYMT OF ADMIN CLM (Giordano)
mk: this is really opp'n to debtor's motion to Modify claim

6/10/22(mk: parties trying to resolve
Matter ResolvedRequest
Adjourment
366/15/2022 9:00 am21-15420 / CMGWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultContinued
7/20/2022 9:00 am
Total Paid In: $5,991.00
Debtor obj<> PHH/Willow Ave (RAS)
Matter ResolvedRequest
Adjourment
376/15/2022 9:00 am21-16503 / CMGRONALD S. GELLERT, ESQ.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
NEEDS NEW CONF DATE- Make it 7/20/22
Matter ResolvedRequest
Adjourment
386/15/2022 9:00 am21-17017 / CMGEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/3/2022 9:00 am
Total Paid In: $16,989.00
Debtor obj<>FAILED TO FILE PRE CONF CERT BY 12/31/21; FAILED TO ADDRESS IRS EST CLM AND OLD BRIDGE PER PLAN CLM;

mk: per atty email - remove per plan old Bridge claim

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

FAILED TO PROVIDE TRUSTEE WITH 2020 TAX RETURN BY 12/31/21(mk:this was uploaded 5/26/22),

UPDATED POI BY 3/31/22, (Provided)
Matter ResolvedRequest
Adjourment
396/15/2022 9:00 am21-17104 / CMGLaurence R. Sheller, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/3/2022 9:00 am
Total Paid In: $2,000.00
Debtor obj<> FAILED TO LM BY 1/8/22

mk) atty email Loss mit extended to June 21, 2022

NEED STATUS ON LM- atty says bank reviewing Loss mit request- the LM package is incomplete-attached letter from Selene- debtor working
Matter ResolvedRequest
Adjourment
406/15/2022 9:00 am21-17155 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $3,183.00
AR OCJ DOES NOT ADDRESS CLAIM 11
Debtor obj<>ARREARS; PLAN NOT FEASIBLE DUE TO #11-1

arrears $2,123.last pay 1/27/22

MK: MP >>HR<<
Matter ResolvedRequest
Adjourment
416/15/2022 9:00 am21-17278 / CMGWARREN LEVY, ESQ.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $3,868.00
NOTICE OF DEATH OF DEBTOR AND MTN TO CONTINUE ADMINISTRATION OF CASE

3/23/22(mk): atty reply- daughter has appt w/surrogate next week and will file Letters of Admin as support and link to the motion

3/22/22(mk):case was confirmed prior to debtor's death. Daughter administrator. emailed atty- no letters of Administration were attached to certification
Matter ResolvedRequest
Adjourment
426/15/2022 9:00 am21-17455 / CMGFRANCIS P CULLARI, ESQMotion Relief from Co-Debtor StayGrantedTotal Paid In: $5,214.00
LONGBRIDGE FINC / Larch Dr(ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
436/15/2022 9:00 am21-17773 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $5,400.00
mk: recap is $5,400 PTD, Then $766 x 52 begin 7/1/22;LM by 8/30/22. Debtor to sign up for TFS payments w/in 10 days.

Debtor obj<>ARREARS 1,115 as of 6/13/22; FAILED TO LM BY 1/25/22

**APPLICATION TO EXTEND LOSS MIT-GRANTED 6//9/22-LOss Mit extended to 8/30/22

MK THE 3,000 still has not posted as of 6/9/22

>last pay 2/9/22. Debtor reapplying for LM- he got 1 and missed the trail payment and is filing a MP

5/31/22(mk) Atty has $3,000- needs to post trying to get update on LM

Matter ResolvedRequest
Adjourment
446/15/2022 9:00 am21-17865 / CMGFRANCIS P CULLARI, ESQMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnTotal Paid In: $2,121.00
6/10/22(mk): email to debtor's atty for status on this-

3/15/22(mk): LATE OPP'N FILED BY Creditor Fox Chase( Cutolo Barros-C. Zappi)- (THEY HAVE TIMELY FILED OBJ TO CONFIRMATION) she notified debtor's atty. I told her to file it and appear. Creditor has a filed objection to confirmation also on 3/16/22

MTN TO EXPUNGE FOX CHASE CLM #3

mk: debtor says he is current with homeowners assoc and POC should be expunged.

Matter ResolvedRequest
Adjourment
456/15/2022 9:00 am21-18372 / CMGPRO SEMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToMoot - Dismissed
OBJ TO PROOF OF CLM BY US BANK RELISTED AS A RESULT OF MOTION TO VACATE DISMISSAL FILING

creditor brief in opp'n at #61

Case was dismissed 5/18/22
Matter ResolvedRequest
Adjourment
466/15/2022 9:00 am21-18372 / CMGPRO SEMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Denied
MOTION TO VACATE DISMISSAL


mk: TR Objection
Matter ResolvedRequest
Adjourment
476/15/2022 9:00 am21-19487 / CMGPRO SEMotion Relief from Stay (Fee)Continued
7/20/2022 9:00 am

6/13/22(mk): email for G. Miller- she has been retained as debtor's counsel.- R Lebron consents to adj to 7/20/22

Debtor response<>SELECT PORTFOLIO / AmherstDr (FEIN, SUCH)

5/25/22:mk: debtor says they have submitted a modification request to Select Portfolio and have until 6/9/22 to complete the appeal
Matter ResolvedRequest
Adjourment
06/15/2022 9:00 am22-10627 / CMGPRO SEMotion Relief from Stay (Fee)Continued
7/6/2022 9:00 am

PHH MTG/WELLS FARGO / Monroe Ave(ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
06/15/2022 9:00 am22-10627 / CMGPRO SEMotion to RecuseContinued
7/6/2022 9:00 am

DEBTOR'S MTN TO RECUSE JUDGE GRAVELLE AND OSC
Matter ResolvedRequest
Adjourment
06/15/2022 9:00 am22-10627 / CMGPRO SEMotion Motion (Generic) - Only use if no other event is applicableContinued
7/6/2022 9:00 am

MTN AND OBJ TO CLM 2-1
Matter ResolvedRequest
Adjourment
486/15/2022 9:00 am22-11054 / CMGLee M. Perlman, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO ALLOW TRUSTEE TO PAY WELLS FARGO #8 LATE FILED CLM
Matter ResolvedRequest
Adjourment
496/15/2022 9:00 am22-11327 / CMGAdrian Johnson, Esq.Notice of Request for Loss MitigationGranted
AR PER LENDER LOAN MOD PREVIOUSLY DENIED , MULTILPLE FILING ( NO EQUITY )
Wilmington Trust boj (Friedman Vartolo)<>REQUEST FOR LOSS MIT

Conf 6/15/22- Issues/Objections


MK Per Ct debtro to submit docs- complete lm package by 6/27/22
Matter ResolvedRequest
Adjourment
506/15/2022 9:00 am22-12058 / CMGPRO SEOrder Shorten TimeDenied
6/15/22:NS 2nd call

>>OST<<

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

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

>>No 341 docsexcept for Deed .. no payments made before dismissal. Plan has issues. proposes to pay gucs outside or in alternative file adversary and seek discharge of non priority gucs
Matter ResolvedRequest
Adjourment
516/15/2022 9:00 am22-12920 / CMGEric ClaymanMotion Relief from Stay (Fee)Continued
7/20/2022 9:00 am

AR NOTE PRE PET RENT ARREARS 13, 459
DEBTOR ASSETS WILL PROVIDE $10 K RENT RELIEF , AND POTENTIAL PI -CURE 60 DAYS


Debtor obj; Creditor response<>AVALON MANGMENT/E. State St (GORSKI & KNOWLTON)


>>CONF ON 6/15/22; REC DISMISSAL<<
Matter ResolvedRequest
Adjourment
526/15/2022 9:00 am22-13077 / CMGBrad J. Sadek, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
AR SIMILAR ANAYSIS TO REAFFIRMATION - BEST INTEREST OF DEBTOR AT 21%
>>>OST<

FINANCING auto

INTERST RATE OF ALMOST 21% NEEDS JUDGE
Matter ResolvedRequest
Adjourment
536/15/2022 9:00 am22-13181 / CMGRobert C. Nisenson, Esq.Motion Relief from Stay (Fee)Granted
TOYOTA MOTOR/2019 Highlander (STEWART LEGAL)

>>>6/14/22:Atty for debtor not opposing this


MK: note; there is an entry on docket on 6/1/22that this motion was adj to 7/6/22 at noon. But it appears to be proceeding #53 on the 6/15/22 calendar??
Matter ResolvedRequest
Adjourment
546/15/2022 9:00 am22-13296 / CMGSEYMOUR WASSERSTRUM, ESQApplication to Waive 341 AppearanceRevised Order Submitted
Trustee obj<> APP FOR POI TO APPEAR AT 341

MK: spoke to atty objection resolved. Will submit a revised Order
Matter ResolvedRequest
Adjourment
556/15/2022 9:00 am22-13363 / CMGAndrew Thomas Archer Notice of Request for Loss MitigationGranted
REQUEST FOR LOSS MIT
Matter ResolvedRequest
Adjourment
566/15/2022 9:00 am22-13397 / CMGAdrian Johnson, Esq.Motion Impose Automatic StayContinued
7/20/2022 9:00 am

JDRMDBP-SM LLC obj (KML)<>MTN TO EXTEND STAY

MK: by next date:by next date al payments in and motion continue admin & MP
Matter ResolvedRequest
Adjourment
576/15/2022 9:00 am22-13561 / CMGAndrew Thomas Archer Motion Motion (Generic) - Only use if no other event is applicableRevised Order Submitted
MTN TO CONTINUE ADMINSTRATION OF CHP 13

TR Objection then supple cert by POA- objection resolved- Revised order was submitted
Matter ResolvedRequest
Adjourment
586/15/2022 9:00 am22-14046 / CMGAndrew Carroll, Esq.Motion Impose Automatic StayOrder to be Submitted
US Bank obj (Friedman Vartolo)<>EXTEND STAY


6/14/22(mk):OTBS
Resolution Details:
Debtor to remain post petition current on payments with 30 day default language. If new default occurs, or if case gets dismissed, order to be entered granting relief with 180 day bar prospective relief.
Matter ResolvedRequest
Adjourment
596/15/2022 9:00 am22-14242 / CMGDonald C. Goins, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
606/15/2022 10:00 am17-16894 / CMGJohn Zimnis, Esq.Confirmation Hearing on Modified PlanContinued
7/6/2022 10:00 am
Debtor has made 63 of 62 required payments   Arrears: $341.00  Total Paid In: $22,107.00
UPDATED 6/13/2022 (jma)
issues as of 6/9/2022 (JMA)

1) Creditor Cert of Default on for 6/15, Debtor filed opposition to Cert - CONSENT ORDER PAYING OVERDUE PAYMENTS TO CREDITOR OVER 24 MONTHS
2) Debtor has failed to make proposed payments of $300 beginning 4/1/2022 - arrears to the mp plan payments $900

proposed plan $21,403 paid to date, $300x25 begin 4/1/2022 base plan
paid in $21,403
22 months left in the 84 month plan
Matter ResolvedRequest
Adjourment
616/15/2022 10:00 am18-13004 / CMGSteven N. Taieb, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 38 of 52 required payments   Arrears: $0  
Total Paid In: $23,916.00
AS OF 6/13/22 (SF) UPDATED - Atty ok with terms

RECOMMEND $23,916 PTD, $625 X 8 (BEGIN 7/1/22) BASE PLAN; LOAN MODIFICATION OUTSIDE PLAN
- DO NOT PAY ARREARS TO NATIONSTAR MORTGAGE. CREDITOR TO BE DEALT WITH OUTSIDE PLAN. CREDITOR IS FREE TO SEEK STAY RELIEF
- STANDARD ORDER OF DISTRIBUTIION
- MUST FILE SUPPLEMENTAL FEE APPLICATION WITHIN 10 DAYS



Per AR ok to confirm with loan modification outside plan. Do not pay arrears to Nationstar Mortgage.
Creditor is free to seek stay relief.

1. Trustee motion to dismiss scheduled for 6/15/22 (WITHDRAWN)

Trustee objection:
2. There are only 8 months remaining in case. Need proof of debtor's efforts to obtain loan mod (Received copy of debtor's application for loan modification)
3. Last payment received in March 2022 (6/10/22 - provided proof of payment in the amount of $1000 which has not posted yet)
4. Plan cannot be proposed at 0% due to loan mod
5. No current proof of income provided (Proof of income provided for debtor but there are also pay stubs for John Bynum attached to loan mod application. Is this debtor's husband? His income was never included on Schedules. (PER ATTY, DEBTOR IS SEPARATED)



MP proposes $22,916 PTD, $625 x 9, 0% Loan Mod outside plan by 11/4/22
Plan has run 52 months with 8 months remaining
Arrears: $916


Matter ResolvedRequest
Adjourment
626/15/2022 10:00 am19-25732 / CMGLee M. Perlman, Esq.Confirmation Hearing on Modified PlanDismissed - Hold FeesDebtor has made 30 of 34 required payments   Arrears: $0  
Total Paid In: $16,544.00
6/15/22:mk: atty fees have been paid so none were included in Order dismissing case

ISSUES AS OF 6/9/2022 (DM):

 DM Notes - debtor is below Median and we are in month 34. Based upon MK notes below, debtor is not pursuing a pay-in-full interest rate cram on the Kia Optima post confirmation. Thus, CARES Act extension increasing payments to $997 x 53 is probably not needed. However, debtor can no longer extend plan per CARES Act to pay remaining claims on mortgage arrears & vehicle arrears. Debtor can only modify the plan to 60 months which will need $16,544 Ptd, then $1,009 x 27 start 6/1/22, Base Plan plus non-exempt proceeds from PI claim - RECOMMEND THIS PLAN BE DENIED.

AR NOTE OBJ BY DEBTOR TO CONDUIT
FYI TR CONDUIT OBJ FILED 3/17/22(#62)

1) Need a post-petition POC from the IRS in order to pay $1,530 priority per MP or the IRS can be stricken from the MP. (POC NOT FILED - 5/17/22: PER ATTY, STRIKE (mk))

2) Cannot cram Capital One Auto after original confirmation. Need to pay in full or file a motion to cram this claim. (mk: 5/17/22 - Atty says no cram - pay outside - BUT TRUSTEE WILL STRIKE CRAM & PAY PER CONF & CONSENT ORDER - PRE & POST PETITION ARREARS).

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

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

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


Confirmed Case: $970 Ptd, $497 x 58 start 11/1/19, Base
Prop. MP: $15,434 Ptd, $997 x 53 start 4/1/22, 0%
- plus non-exempt proceeds from PI claim
PTD = $16,544
Last Claim (6-1) dated 10/10/19
Matter ResolvedRequest
Adjourment
636/15/2022 10:00 am19-31620 / CMGNicholas Fitzgerald, Esq.Confirmation Hearing on Modified PlanContinued
7/6/2022 10:00 am
Debtor has made 26 of 31 required payments   Arrears: $1,725.00  Total Paid In: $32,085.00
AS OF 6/6/22 (SF) Atty says debtor is still paying loans. Will send updated statement

RECOMMEND $32,085 PTD, $1034 X 30 (BEGIN 6/1/22) BASE PLAN


Debtor's disposable income is $1034.42 due to 401k loans that expired. No updated proof of income or current tax return provided.



MP proposes $30,867 PTD, $765 x 30 base, Loan Mod approved
Plan has run 30 months with 30 months remaining beginning 6/1/22
Arrears: $507 through May

Matter ResolvedRequest
Adjourment
646/15/2022 10:00 am20-17313 / CMGJohn Zimnis, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 15 of 24 required payments   Arrears: $0  
Total Paid In: $8,660.00
AS OF 6/7/2022 (at):

RECOMMEND: $8,660 PAID TO DATE, $580 x 17 BEGINNING 7/1/2022, BASE
Loan modification with Specialized Loan Servicing/Government Loan Securitization Trust by 11/30/2022.
Claim #1 filed by Government Loan Securitization will be paid pending loan modification.

MP proposes: $8,660 paid to date, $500 x 16 beginning 6/1/2022, loan mod by 11/30/2022, base
Arrears $1,160
Matter ResolvedRequest
Adjourment
656/15/2022 10:00 am20-20285 / CMGRobert C. Nisenson, Esq.Confirmation Hearing on Modified PlanMoot - DismissedDebtor has made 24 of 21 required payments   Arrears: $0  
Total Paid In: $11,880.00
mk: case to be dismissed on Tr Motion at 9:00am

issues as of 6/9/2022 (JMA)

1) Trustee motion to dismiss also on for 6/15/2022
2) US Bank/Tower DBW Trust motion for relief resolved 5/2/2022 with consent order - need order
Matter ResolvedRequest
Adjourment
666/15/2022 10:00 am20-21659 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 8 of 20 required payments   Arrears: $0  
Total Paid In: $8,683.00
updated 6/13/2022 (JMA)

ok to confirm at $8,683 paid to date, $607x40 begin 7/1/2022 100% plan with loan mod on or by January 1, 2023
-Trustee to strike Part 3a of Modified Plan as to IRS and State of NJ of Modified Plan, no claims filed and all bar dates have passed

issues as of 6/9/2022 (JMA)

1) The modified plan lists priority claim for IRS and State of NJ as unknown - all bar dates have passed, no claims filed - Trustee should strike from modified plan.
2) To confirm need $8,683 paid to date, $607x40 begin 7/1/2022 100% plan with loan mod on or by January 1, 2023
-Trustee to strike Part 3a of Modified Plan as to IRS and State of NJ of Modified Plan, no claims filed and all bar dates have passed

proposed plan $8683 paid to date, $550x42 begin 5/1/2022 with loan mod 6 months
paid in $8683
40 months to go
Matter ResolvedRequest
Adjourment
676/15/2022 10:00 am20-23380 / CMGMonika Mazurczyk Confirmation Hearing on Modified PlanConfirmedDebtor has made 64 of 18 required payments   Arrears: $0  

6/14/22(mk): Updated. funds posted

** CONFIRM AT $71,891.53 PTD, NO FURTHER PAYMENTS DUE. 100%**


as of 6/9/2022 (JMA)

1) Plan balance to be paid in full from sale proceeds in the amount of $53,144.53 -HUD dated 5/17/2022, what is status of proceeds to Trustee - ATTY ADVISED CHECK SENT 6/6/2022
Matter ResolvedRequest
Adjourment
686/15/2022 10:00 am21-13325 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 14 of 14 required payments   Arrears: $0  

AR RESOLVE OR HOLD

ISSUES AS OF 6/9/2022 (DM): If TD Bank claim is modified to a general unsecured claim, then debtor would need $7,000 Ptd, then $9,675 x 46 starting 7/1/22, 100% Plan - HOW IS THIS FEASIBLE? (dm)

 Amended I & J filed. P&L for rental income and 2020 soc sec statement uploaded. Will provide 2021 soc sec statement when rec'd form debtor(mk)

 5/4/22 - needs amended I&J and poi - NEED TFS AUTO PAY IN TERMS.

1) Reverse Mortgage Funding (MARTONE) OBJs - $17,836.96 arrears on Toms River NJ property not treated in the plan (Per Atty - pay it)>.COTBS per Martone atty email on 6/14/22(mk)

2) TD Bank filed a secured claim on Florida property not treated in the plan (MOTION TO MODIFY CLAIM PENDING)

3) Trustee OBJ:
- American Honda filed $15.91 arrears claim on 2018 Honda Civic (OKAY TO PAY??)
- Need property settlement agreement, if any.
- Need copy of Deed for Toms River NJ property (PROPERTY DEEDED FROM ROBERT C. DIORIO??? TO LEAH FISCHMAN IN 2018).
- Need homeowners' insurance for Toms River NJ property (DOESN'T LOOK LIKE DEBTOR OWNS THIS PROPERTY - DEED IN NAME OF LEAH FISCHMAN).
- Need copy of Deed for Florida property (TWO PARCELS DEEDED TO PROXIMO PROPERTIES, LLC IN 2017).
- Need homeowners' insurance for Florida property (PROPERTY OWNED BY THE BUSINESS???)
- Need amended Sch A/B to add Toms River and Florida properties (NOT SURE DEBTOR PERSONALLY OWNS PROPERTIES).


***RESOLVED ISSUES***

 Need to address 109e issue (CONSENT ORDER ENTERED - POCs 6, 7 AND 8).

A) On 10/14/21 the State of NJ filed a $4,799.42 priority claim that includes estimated taxes for 2018 thru 2020 (AMENDED TO $0).

B) NewRez dba Shellpoint Mtg/Wilmington Savings (PINCUS LAW) OBJs - the plan does not specifically treat the claim on the NC property in the plan (CONSENT ORDER ENTERED).

C) Trustee OBJ:
- Need CMA for Toms River property (RECEIVED).
- Need CMA for Florida property (RECEIVED).
- Need business P&L statements (RECEIVED).
- Need auto insurance for 2018 Honda Ci
Matter ResolvedRequest
Adjourment
696/15/2022 10:00 am21-15782 / CMGAndrew Thomas Archer Confirmation Hearing on Modified PlanConfirmedDebtor has made 9 of 11 required payments   Arrears: $0  
Total Paid In: $1,122.00
6/8 workup for the 6/15 calendar EDC

$1122 paid then $159 x 49 beg 7/1/22 pro rata-Freedom mortgage outside(loan modification granted)



->Motion to reduce tax claim filed on 5/18/22-OTBS

5/10 workup for the 5/18 calendar EDC

10 months and est NJ still not resolved

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





-----------------------
Prior resolved issues:
* Priority amt $2,177 is ESTIMATED 2018 & 2020-cannot confirm until this is resolved(done)
* Trustee Objection:
-need 2020 Tax return with all pages. OK

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

Matter ResolvedRequest
Adjourment
706/15/2022 10:00 am21-17155 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 9 required payments   Arrears: $0  
Total Paid In: $3,183.00
as of 6/9/2022 (JMA)

ok to confirm at $3,183 paid to date, $820x51 begin 7/1/2022 0% plan

proposed plan $820x52 0% plan
paid in $3183
51 months
Matter ResolvedRequest
Adjourment
716/15/2022 10:00 am21-17313 / CMGBruce C. Truesdale, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 9 required payments   Arrears: $0  
Total Paid In: $147,690.00
Updated 6/15/22: TRUSTEE RECOMMENDS CONFIRMATION AT $112,290 PTD, THEN $35,400 BY 6/30/22, THEN $825 x 51 STARTING 7/1/22, BASE PLAN WITH $15,000 MINIMUM DIVIDEND TO GENERAL UNSECURED CREDITORS, PLUS ALL NON-EXEMPT PROCEEDS FROM CIVIL LAWSUIT.

AR RESOLVE OR HOLD

ISSUES AS OF 6/9/2022 (DM): Trustee to review Bruce Truesdale Certification, uploaded 6/6/22, trying to explain the $90k crypto transaction in the debtor's bank account. Need to verify with Bruce Truesdale whether fee balance is $7,031.28 plus $3,250 or just $7,031.28 (FEE BALANCE IS $10,281.28 - dm).

 Mk: Atty will provided Cert as to closed crypto accts (UNRESOLVED - CERTIFICATION, uploaded 1/31/22, ASSERTS GEMINI & ROBINHOOD ACCOUNTS WERE CLOSED PRIOR TO FILING BANKRUPTCY WITHOUT INDICATING WHEN ACCOUNTS CLOSED).

 Wells Fargo account statement from June 24 to July 24 shows deposits of $90,801.22 and spending $91,454.83 - need explanation (UNRESOLVED - CERTIFICATION, uploaded 1/31/22, ALSO VAGUELY ASSERTS THAT $90,00 OF DEPOSITS AND WITHDRAWALS IN BANK STATEMENTS WERE THE RESULT OF BUYING AND SELLING CRYPTO WITHOUT DETAIL).

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

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

3) LaMer Condo Assn (HILL) OBJs to confirmation - plan fails to provide for any treatment of the Association's secured claim of $2,546.08 - the cram of this claim is not properly listed in Part 4 of the MP (STILL NEED CONSENT ORDER WITH CREDITOR).>>mk:6/9/22 CO submitted to chambers today-terms= TR to pay secured portion of claim of $2,546.08 then balance which is unsecured of $28,563.30 tre
Matter ResolvedRequest
Adjourment
726/15/2022 10:00 am21-17865 / CMGFRANCIS P CULLARI, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 8 of 8 required payments   Arrears: $0  
Total Paid In: $2,121.00
AS of 6/14/22(mk) UPDATED-atty ok to terms

**CAN REC CONFIRM AT $1,856 PTD Then $315 x 52 Begin 7/1/22 Base. Plan extended to total 60 mos.**

>Consent order was submitted to chambers today resolving obj by Fox Chase. Pays pre pet claim 3-1 secured $7,426.65 & unsecured $236 pro rata w/ other gucs. & adds post pet of $2,521.30 to be paid thru plan<

----------------------
ISSUES AS OF 6/10/2022 (DM): nothing has changed since 4/29/22 work-up.

***Debtor needs to resolve Fox Chase Condo Assn objection. In order to resolve the Trustee disposable income objection, the debtor will need $475 x 30 starting 5/1/22 or plan can be extended to reduce the monthly payment***

 1/14/22 - Attorney requested adjournment to resolve obj with Fox Chase.

1) US Bank/PHH Mtg (RAS) OBJs - $2,525.11 arrears not treated - CONSENT ORDER ENTERED, but MP treats as secured unaffected (PAY PER CONSENT ORDER?? >>mk:5/2/22 per Aleisha J email - YES PAY IN PLAN PER ORDER)

2) Fox Chase Condo Assn (CUTOLO BARROS) OBJs to treatment of its claim (UNRESOLVED).

3) Trustee OBJ:
- Income verifies higher there is disposable income of $550 per month.
- Final Loan Mod was granted with CFT Asset (2nd mtg) - need MP to remove Loan Mod (MP REMOVES THE LOAN MOD).
- Need to file Pre-Confirmation Certificate (FILED).


Prop. Plan $265 x 36, Base
PTD 7/8 = $1,856
Last Claim (5-1)
Matter ResolvedRequest
Adjourment
736/15/2022 10:00 am21-17884 / CMGSteven A Serna, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 8 required payments   Arrears: $0  
Total Paid In: $7,176.00
ISSUES AS OF 6/10/2022 (DM):

***If debtor has proof of June payment, THEN TRUSTEE WILL RECOMMEND CONFIRMATION AT $4,251 PTD, THEN $2,925 x 53 STARTING 6/1/22, BASE PLAN, TRUSTEE STANDARD ORDER OF DISTRIBUTION, DEBTOR SHALL SIGN UP FOR TFS AUTO PAY WITHIN 10 DAYS***

 4/19/22; Atty email wants Plan denied & will file MP in 14 days to remove LM & to sell RE

 4/14/2022 (DM): email sent to Atty & KML regarding objection before final work-up (KML ADVISES THAT LOAN MOD WAS DENIED - PLAN IS NOT FEASIBLE)

1) US Bank/JP Morgan (KML) OBJs - $144,444.92 arrears (MP PAYS $138,860.68 POC).

2) Trustee OBJ:
* Plan proposes an order of distribution that departs from Trustee standard distribution.
- Need Sept & Oct bank statements for JP Morgan acct #7061 (RECEIVED).
- Need Sept & Oct bank statements for PNC checking acct (RECEIVED).
- Need Sept & Oct bank statements for Wells Fargo (Panda Transport) acct (RECEIVED).
- Need a statement for the Robinhood acct (RECEIVED).
- Tax refund of $2,758 was not prorated and included in disposable income calc.
- Need to serve Plan motions - need service on Laridian Consulting (FILED).
- Need to file Pre-Confirmation Certification (FILED).
- Need proof of insurance for the 2008 Chrysler (RECEIVED) and 2013 Nissan.
- Atty fees in the plan of $2,000 and the Disclosure Statement of $2,000 outside of the plan do not agree. Once of these must be amended (ATTY DISCLOSURE AMENDED).


Prop. Plan $221 x 6, $2,925 x 54 start 5/1/22, Base
PTD 7/8 = $4,251
Last Claim (13-1)
Matter ResolvedRequest
Adjourment
746/15/2022 10:00 am21-18322 / CMGRONALD E NORMAN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 8 required payments   Arrears: $56.00  Total Paid In: $3,017.00
AS OF 6/7/22 (SF)-atty ok to terms(mk)


RECOMMEND $2,461 PTD, $612 X 53 (BEGIN 6/1/22) 0% PLAN
- Trustee Standard Order of Distribution
- File pre-confirmation certification within 10 days



1. Trustee objection:
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution
- Need to file Pre-Confirmation Certification.

Plan proposes $381 x 2, $556 x 58 0%
Payments: 6/8 Arrears: $1637

RESOLVED ISSUES:
- Need proof of insurance for the 2019 Hyundai (debtor is co-signor with granddaughter).
- A Modified Plan that addresses secured arrears claim filed by Exeter Finance. (MP FILED)
- IRS priority and unsecured claim 8-1 is estimated (AMENDED)
- Need order resolving MFR by Exeter Finance (RECEIVED) The order is unclear as to whether or not it covers pre and post petition arrears. The plan does not propose to pay the pre-petition arrears. (THERE IS NO OBJECTION TO MP TO PAY OUTSIDE SO THE PRE-PETITION ARREARS CLAIM WILL NOT BE PAID) Moot, outside per Stay Relief
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C the proof of income supplied verifies higher than scheduled. (moot)
- The Plan fails to provide for a prompt cure of rental arrears. (moot)
Matter ResolvedRequest
Adjourment
756/15/2022 10:00 am21-18826 / CMGBrian F. O'Malley Confirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $0  

AR TR OBJ TO 342 6-9 INCLUDES AUTO INS - IF NOT PROVIDED HOLD FOR JUDGE

AS OF 6/13/2022 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING.

1. 341 is scheduled for 6/9/2022.
2. Payments: 2/2
Matter ResolvedRequest
Adjourment
06/15/2022 10:00 am21-19356 / JNPPAUL H YOUNGConfirmation Hearing on Modified PlanDeniedDebtor has made 2 of 6 required payments   Arrears: $0  

AS OF 06/07/22 (SF) Plan is denied. MP to be filed within 14 day and all missing documents must be provided 10 days prior to the hearing date for the new plan.

Debtor's disposable income is only $319.85. Plan is not feasible to pay higher tier of $1410.

1. Trustee objection:

- Need updated proof of income upon anticipated promotion to occur in April 2022. (STILL NOT RECEIVED)

- Verified income leaves monthly disposable income of $319.85.

- The debtor has failed to provide proof of service with respect to Plan Motion (s). Need proof of service for IRS and State of NJ

2. The State of NJ filed a priority claim 6-1 for $1334.77 which is not addressed in the plan.



Plan proposes $50 x 4, $1369 x 56 Base Plan
Payments: 3 of 6 Arrears: $1469

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification. (FILED)
- A Modified Plan that addresses secured claims of the IRS and State of NJ. (FILED)


Matter ResolvedRequest
Adjourment
766/15/2022 10:00 am22-10054 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanContinued
7/20/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 6/8/22 (SF)

1. Trustee objection:
- A copy of the last filed tax return - for 2021, no later than 5/31/22. (STILL NEED)
- A Modified Plan that proposes student loans to be paid outside.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- There is non-exempt equity of $6485 on real property. (No d(1) exemption taken)
- Need 2 months bank statements for all bank accounts prior to filing date. Need November and December 2021 statements for Chase Acct ending in 4413 and Bank of America acct ending in 1220 (STILL NEED)
- Add to confirming order non-exempt proceeds from legal malpractice and contract dispute lawsuits to Trustee.

Plan proposes $250 x 36 Base, Plus Lump sum from Malpractice Suit by 12/31/22
Payments: 5/5


RESOVLED ISSUES:
- Must file Pre-confirmation certificate. (FILED)
-Need proof of 2nd mortgage balance (CLAIM FILED)
- The Plan fails to provide for a prompt loan modification completion date. (MP FILED)
- Objection filed by Ajax Mortgage Loan Trust 2019-A - failure to pay arrears and speculative loan mod. Also post petition payment is $3240.06, not $1740 which would result in expenses being higher and making the plan infeasible. Also loan mod is partially dependent on result of speculative outcome of legal malpractice action. Creditor believes plan is not proposed in good faith. (IS THIS OBJECTION RESOLVED. DEBTOR FILED A MODIFIED PLAN AND THE CREDITOR DID NOT OBJECT)

- No claims filed for separately classified claims for Best Buy/CBNA or TD Bank USA/Target. Should these per plan claims be stricken from plan? Bar date expired on 3/15/22
- Homeowner insurance listed twice under schedule J as being paid by Debtor (AMENDED)


Plan proposes $250 x 36 Base, Plus Lump sum from Malpractice Suit
Payments: 5/5


Matter ResolvedRequest
Adjourment
776/15/2022 10:00 am22-10363 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $300.00  
ISSUES AS OF 6/10/2022 (DM):

 5/12 - email to atty to resolve obj so this can be confirmed.

1) UMB Bank/Rushmore (Parker McCay) OBJs - $90,128.31 arrears (UNRESOLVED).

2) Trustee OBJ:
- Debtor has insufficient income.
- Need auto insurance renewal - policy expired 2/22/22 (RECEIVED).
- Tax refund of $917 was not prorated and included in disposable income (MOOT).
- Need Nov & Dec statements for Wells Fargo account ending #3938 (RECEIVED).
- Petition states the debtors business closed 12/29/2021 - in the process of dissolving the business, with tools of trade valued at $1,000 - need itemization/values (RECEIVED).
- Need updated Sch I and proof of income when spouse gets a job (LANGUAGE ADDED).
- Need to provide 2021 tax return (RECEIVED - $4,449 - $3,511 TAX REFUND).


Prop. Plan $300 x 60, Base
- Refi of Grand Central Parkway by 2/1/23
- or Loan Mod of Grand Central Parkway by 7/1/22
PTD 4/5 = $1,200
Last Claim (6-1)
Matter ResolvedRequest
Adjourment
786/15/2022 10:00 am22-10540 / CMGJohn F. Bracaglia, Jr., Esq.Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 103 of 5 required payments   Arrears: $0  

AS OF 6/7/2022 (at):

1. Objection filed by Select Portfolio/US Bank (Fein Such) - failure to cure arrears of $613,752.41 (Per POC) and one year from confirmation to obtain a loan modification is too long. (UNRESOLVED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - document provided fails to include comps from the area (NOT RECEIVED)
- Amendments to Schedules Form 122c fails to report income from the business the
debtor owns, only shows draw which has not been supported with proof (NOT AMENDED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- excessive expenses Schedule J $400/home maintenance (allowed $200); $525/utilities;
$495/life insurance, need to provide statement; $350/health insurance, need to provide
statement; $705/car payment. need proof of expenses 10 days prior to confirmation.
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):
- business income from profit and loss statement not reported on Schedule I, there is $3,500 in rent paid from business to debtor and another month is 5,000(business operated
out of debtors home) and $21,816.34 income from December and January P &L averaged.
The disposable net income is $27,298.18. Needs explanation/clarification. This would
make case above median. (NO EXPLANATION RECEIVED)
- Schedule I states debtor receives a monthly draw of $2,000 - this is not listed on the P &L statements or was proof provided of these payments to the debtor - need to provide proof (NO PROOF PROVIDED)
-Select Portfolio Servicing Inc/ US Bank (Fein Such) objection to confirmation - need to resolve (UNRESOLVED)
-Part 1e of the plan states "prior to confirmation, debtor shall deposit to debtor's attorney's trust account $150,000
Matter ResolvedRequest
Adjourment
796/15/2022 10:00 am22-10579 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $750.00  
6/8 workup for the 6/15 calendar EDC

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


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

proposed plan $750x36 base with loan mod 7/1/2022
paid in $2,250
arrears $750
last claim 5
--------------------------------
RESOLVED
1) Need to file Pre Confirmation Certification with Court-DONE
Matter ResolvedRequest
Adjourment
806/15/2022 10:00 am22-10619 / CMGPATRICK L FALCON ESQConfirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
816/15/2022 10:00 am22-10723 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledMoot - DismissedDebtor has made 5 of 5 required payments   Arrears: $0  

6/3/22:MK: FYI: there is a motion to Dismiis case on shortened time for 6/7/22- this will be moot when that is granted


AS OF 5/11/2022 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING TO ALLOW 341 TO BE HELD.

1. 341 is scheduled for 6/9/22.
2. Payments: 4/4
Matter ResolvedRequest
Adjourment
826/15/2022 10:00 am22-10894 / CMGRobert H. Johnson, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $200.00  Total Paid In: $600.00
AS OF 6/14/22 (SF) UPDATED

RECOMMEND $200 X 60 (BEGIN 3/1/22) 100% PLAN W/MIN DIVIDEND OF $83,367 TO GUCS; N/E PROCEEDS FROM SALE OF REAL ESTATE BY 3/1/23
- PAY ARREARS TO ALL CREDIT CONSIDERED MORTGAGE
- OK TO PAY ARREARS CLAIM 1-1 FOR ONE MAIN FINANCIAL GROUP
- STANDARD ORDER OF DISTRIBUTION
- DEBTOR TO PROVIDED UPDATED PROOF OF INCOME IN 6 MONTHS BY 12/31/22
- LOW BASE


1. Trustee objection:
- Proof of 2 month's income - only provided 1 check for $234.02 (STILL NEED PROOF OF INCOME)
- There is $83,367 in non exempt equity in property (Plan is 100%)

2. Add to conf order Standard Order of Distribution


Plan proposes $200 x 60 100%; Sale/Refi by 3/1/23
Payments: 3/5 Arrears: $200

RESOLVED ISSUES:
- A copy of the homeowner's insurance renewal declaration - (RECEIVED)
- A Modified Plan that completes Part 8a and Part 8d. (FILED)
-One Main Financial filed arrears claim 1-1 for $263.89 which is not addressed in plan (OK TO PAY?)YES
- must file pre conf cert (FILED)
Matter ResolvedRequest
Adjourment
836/15/2022 10:00 am22-10941 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanDeniedDebtor has made 4 of 4 required payments   Arrears: $150.00  
AS OF 6/13/2022 (at):

MODIFIED PLAN IS SCHEDULED FOR 7/6/2022.

1. Objection filed by Capital One Auto Finance (Mester & Schwartz) - value of 2015 BMW is $19,650.00 and creditor wants $21,846.35 paid through the plan. Plan proposes cram amount of $12,230.

2. NJ Division of Taxation filed an estimated claim #10 which needs to be resolved/amended.

RESOLVED:
- Need Proof of Service for Reliance Motion for Cram of 2016 BMW. (MOD PLAN REMOVES CRAM OF 2016 BMW)
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2021 return provided by 5/31/2022 (RECEIVED)
- Need to address the estimated claim filed by the IRS including possible non-dischargeable unsecured tax claims based upon the recent Chapter 7 discharge. (NO LONGER ESTIMATED)

Modified plan before confirmation proposes: $450 x 60 beginning 3/1/2022, $0 to guc's
Payments: almost 3/4, arrears $150

(part 4d: removing cram of Innovate Loan Servicing (2016 BMW)
Part 7c: removing cram of Innovate Loan Servicing (2016 BMW)
part 6: curing arrears for lease of removing cram of Innovate Loan Servicing (2016 BMW)
Matter ResolvedRequest
Adjourment
846/15/2022 10:00 am22-10994 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $500.00  Total Paid In: $1,500.00
ISSUES AS OF 6/10/2022 (DM):

***Consent Order with Nationstar/Mr Cooper does not specifically provide for payment on arrears pending the Loan Mod, SO TRUSTEE WILL RECOMMEND CONFIRMATION AT $500 x 60 STARTING 3/1/22, 100% PLAN WITH $16,500 THRESHOLD PRESERVED, LOAN MOD WITH NATIONSTAR/MR COOPER BY 7/25/22 OR AS EXTENDED BY LOSS MIT ORDER; TRUSTEE SHALL COMMENCE LOW BASE DISBURSEMENT ON NATIONSTAR/MR COOPER ARREARS CLAIM AFTER GENERAL UNSECURED CLAIMS HAVE BEEN PAID, DEBTOR SHALL SIGN UP FOR TFS AUTO PAY WITHIN 10 DAYS***

1) Nationstar Mtg/Mr Cooper (RAS) OBJs - $414,317.52 arrears and correct AP payment should be $3,621.43 (CONSENT ORDER ENTERED - LOAN MOD BY 7/25/22 OR AS EXTENDED BY LOSS MIT ORDER).

2) Trustee OBJ:
- Need copy of 2021 tax return (UNRESOLVED).
- Need proof of income for January 2022 from Edustaff (UNRESOLVED).
- Need amended Sch B/C to correct year for 2003 GMAC to 2005 GMC and provide valuation for both vehicles (UNRESOLVED).
- Excessive Expenses: $550 electricity, $480 tele/cell/cable/internet (P&L has $125 monthly expense for spouse cell).
- Disposable income verifies at $890.
- The debtor must provide proof of the estimated $1300 tax payments listed on Sch J (UNRESOLVED).

***RESOLVED ISSUES***

- There is $16,500 non-exempt equity in Affinity FCU savings acct (100% PLAN).
- Need updated auto insurance - expired 4/30/22 (RECEIVED).
- Need bank statements from Financial Resources acct#9295 and #6205 for 1/1/22 -1/31/22 and for Affinity FCU accts#203 (RECEIVED).
- Need bank statements from Affinity FCU for joint account with non-filing spouse 2 months prior to filing date (RECEIVED).
- File Pre-confirmation certificate (FILED).
- The business forms and P&L must be signed (RECEIVED).


Prop. Plan $500 x 60, 100% Plan, Loan Mod by 11/2022
PTD 3/4 = $1,500
Last Claim (4-1)
Matter ResolvedRequest
Adjourment
856/15/2022 10:00 am22-11101 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledWithdrawnDebtor has made 4 of 4 required payments   Arrears: $0  

updated 6/13/2022 (JMA) - per atty settlement for the adversary is back on track and moving forward, modified plan withdrawn and new MP filed

issues as of 6/9/2022 (JMA)

1) PC7 REO LLC (Seitz) objection to confirmation - need to resolve
-Debtors are not the owners of the property, it is now owned by PC7 REO LLC therefore plan is not feasible
2) Affinity Federal Credit Union (Liska) objection to confirmation - need to resolve
-pre petition arrears $796.71 for 2014 GMC Sierra1600, plan does not provide for payment of arrears(MK: PAY THIS)
3) Trustee objection to confirmation - need to resolve
-need a copy of the last filed tax return - 2021 tax return on or by 5/31/2022
-need a modified plan that proposes to pay IRS priority claim through plan
-must resolve objections of PC7 REO LLC and Affinity FCU
-must file pre confirmation certification with court RESOLVED, FILED
4) IRS priority claim 1 is estimated for 2021 taxes- need to resolve
5) NJ Division of Taxation claim 9 is estimated for 2021 taxes - need to resolve

proposed plan $2486x60 100% plan
paid in $9944
last claim 9
Matter ResolvedRequest
Adjourment
866/15/2022 10:00 am22-11147 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $400.00
As of 6/10/22 (DS): Ok to confirm at $100 x 12 begin 3/1/22; $653 x 48 begin 3/1/23; Base with a minimum dividend $28,87064, due to non-exempt equity on real property
- Loan mod with US Bank/Fay on Halliard Ave property by 9/30/22 (ok to pay toward arrears pending loan mod).
- Debtor to provide 2 months recent proof of income and amended Sched I by 12/15/22.

- PER EMAIL FROM DEBTOR ATTY 6/9/22 OK TO PAY TOWARD MTG ARREARS.

5/4/22 (DS): 1. Trustee obj to the following:
- There is non-exempt equity on real property $28,870.64.
- IRS filed tax claim for 2018 owed $399.04. Trustee ok to pay? (mk: YES PAY)
- Add to confirming order Debtor to provide 2 months recent proof of income 6 months from confirming.

2. US Bank/Fay Servicing (MCCALLA RAYMER LEIBERT) obj to arrears more and Loan mod. POC filed with arrears higher. (MK: CO submitted to chambers 5/25/22 terms - LM by 9/30/22 or as extended. Reg monthly mtg payments directly to creditor. If no LM then debtor to address all pre and post pet arrears by a MP to cure or surrender property.)

Prop Plan $100 x 12 begin 3/1/22; $1,250 x 48; Base and Loan mod on Halliard Ave by 8/1/22 or Refinance on Halliard Ave by 2/1/23.
Note: Updated CMA provided with recent comps.
Matter ResolvedRequest
Adjourment
876/15/2022 10:00 am22-11207 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

mk: 341 to be conducted

As of 6/7/22 (DS): 341 still not held since 3/24/22, Debtor in arrears $800, made 2 out of 4 payments, last payment $400 made 5/10/22. Need amended Sched I & J (forms are blank), P&L for business for Feb and Mar 2022 and 2020/2021 tax returns.

5/4/22:>.Per AR: adj to 6/15/22:NEEDS 341 BY 5/27 AND BE CURRENT TO TR & LENDER & DEBTOR TO SIGN UP FOR TFS


As of 4/21/22 (DS): 341 not held 3/24/22; still missing docs

1/3 payments. payment for 400 mailed4/28/22

Creditor( INVESTORS SAV) objection- Loan has matured

Matter ResolvedRequest
Adjourment
886/15/2022 10:00 am22-11258 / CMGEric ClaymanConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $1,444.00
6/8 workup for the 6/15 calendar EDC

adj to be current but only 2 of 4 payments. Can't confirm unless ewage.

***CAN CONFIRM AT: $1154.98 paid then 592 x 56 beg 7/1/22 0% to gucs--pay per trustee order of distribution----debtor to sign up for ewage within 7 days


Trustee's objection:
- The debtor has insufficient income Debtor has negative income.

- There is non-exempt equity of $5500 in 2014 Hyundai Santa Fe and $7653 in real property. (LANGUAGE ADDED)


Plan proposes: $575x 60 beginning 3/1/2022, $0 to guc's
Payments: 0/2, arrears $1,150
-------------------------------------------
Resolved:
2. Need copies of bank statements for Santander joint checking with ex -husband, Santander savings account, Credit Union of NJ checking and savings accounts per Schedule B (RECEIVED)
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - Must provide copy of 2021 Tax Return by 5/31/22. (NOT RECEIVED - LANGUAGE ADDED)
- Need copy of 401k loan statement. (RECEIVED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED - PAY PER TRUSTEE'S ORDER OF DISTRIBUTION)
1. File pre-confirmation certification (FILED)
Matter ResolvedRequest
Adjourment
896/15/2022 10:00 am22-11327 / CMGAdrian Johnson, Esq.Confirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AR HELD WITH MOTION # 49 , NEED TO ADJ UPON RESULTS
issues as of 6/9/2022 (JMA)

1) Need to file Pre Confirmation Certification with Court
2) Fay Servicing LLC/Wilmington Trust (Friedman Vartolo) objection to confirmation - need to resolve
-approximate arrears $131,303.72
3) Trustee objection to confirmation - need to resolve
- A current market analysis - with comparable sales within the last 6 months. RESOLVED, PROVIDED
- A copy of the last filed tax return - 2021 by 5/31/2022. NOT PROVIDED TO DATE
- 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 $1,545.15.
- Certification regarding the household contributions of the adult children
- Need to file Pre Confirmation Certification.
- Need to resolve objection by Fay Servicing/Wilmington Trust.
- Debtor must provide proof that the Trustee was added as Loss Payee to all motor vehicle and real estate insurance polices based upon vesting at discharge of the confirming order must provide for vesting at confirmation
4) Debtors counsel provided letter stating debtor is currently receiving social security benefits. The Trustee was not provided with proof of social security income, only income from Pension - Schedule I states pension income is received by the debtor.

proposed plan $300x60 100% plan with loan mod by 7/20/2022
paid in $1200
last claim 15
Matter ResolvedRequest
Adjourment
906/15/2022 10:00 am22-11340 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $300.00  
AS OF 6/8/22 (SF)

1. Objection filed by US Bank Trust National Assoc. (Sherri Smith) - Creditor does not state why they are objecting

2. US BANK Trust filed a total debt claim 6-2 in the amount of $401301.95 which matured 6/1/2018.

3. IRS priority and unsecured claim 2-1 is estimated (NEED AMENDED CLAIM)

4. Trustee objection:
- The debtor has insufficient income . Verified income leaves monthly disposable income of -$2,253.42..
- The debtor has failed to file a feasible plan
- Need Proof of social security income
- Need a statement for 2022 for social security
income.
- There is $348,221 in non exempt in the real estate.
- There is $19,860 in non exempt equity in the Mini Cooper.(Plan is 100%)
- There is also non exempt equity in bank accounts.
- Need to resolve the estimated claim filed by the IRS.
-Trustee to receive all non exempt proceeds from sale of real property .

Plan proposes $300 x 60 100% Sale by 2/1/23
Payments: 2/4 Arrears: $600
Matter ResolvedRequest
Adjourment
916/15/2022 10:00 am22-11371 / CMGEdward Nathan VaismanConfirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

issues as of 6/9/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
- Proof of 2 month's income - for Debtor's consulting employment. Plus a certification explaining what this is from. DEBTOR PROVIDED BUSINESS CASE QUESTIONNAIRE STATING HER BUSINESS IS NOT OPERATING
- Business profit & loss statements
- Business forms - for spouse and 2 months profit and loss statements for Jan. & Feb 2022.
- A copy of the last filed tax return - from Debtor and spouse for 2021.
- A Modified Plan that removes adequate protection payments on Section 1e and 2a and 4f, since arrears are owed. (Mortgage arrears are already listed on Section 4a )
- 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, may be moot since plan is proposing 100%.
- The Schedules fail to account for the debtor (s) tax refund in the amount of $879 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is non-exempt equity on real property $307,422.57.
- Must file Pre Confirmation certification with Court
- Non filing spouse has provided a contribution. As long as this remains at 100% Trustee will accept the contribution. Trustee reserves right to request spouse 's income proofs if there is any modification of the plan for less than 100%.
2) Wilmington Savings Fund Society motion relief from stay to be heard 7/6/2022

proposed plan $1,600x60 100% plan
paid in $6400
last claim 2
Matter ResolvedRequest
Adjourment
926/15/2022 10:00 am22-11426 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

adj to 8/3/22-NFA

AS OF 6/7/2022 (at):

1. 341 has not been held or rescheduled.
2. Payments: 4/4

no docs submitted for 341
Matter ResolvedRequest
Adjourment
936/15/2022 10:00 am22-11442 / CMGOtto J. Kostbar, Esq.Confirmation Hearing on Modified PlanContinued
7/20/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS Of 6/7/22(mk):adj to 7/20/22 PEREMPTOTY- NFA

NEED TO KNOW IF OBJECTION BY CARRINGTON HAS BEEN RESOLVED. Then can work up

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

This is work up for plan #26.

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

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

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

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


Plan: $247 X 60 BEG 3/2022; LM BY 8/2022 (23 CYPRESS DR); BASE
3/4 payments
last claim:16-1 bar date:5/4/22
Matter ResolvedRequest
Adjourment
946/15/2022 10:00 am22-11537 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $287.00  
As of 5/19/22 (DS): 1. BELOW ISSUES REMAIN UNRESOLVED.

5/18/22 (DS): 1. Trustee obj to the following:
- Need statements for PayPal and Acorns Investment acct and Columbia Bank #4588 for the month of Feb 2022 (PER ATTY -pay pal belongs to mom, Acorn belongs to husband- in his name only- need proof on these accts (mk).
- Need certification regarding spouse termination. Seems like spouse was receiving unemployment in 12/2021.(Uploaded unemployment 5/17/22)
- Schedule I indicates spouse has been terminated from job and receiving severance pay from January through April. Then spouse will collect $731 unemployment benefits. Will require proof of unemployment income and supporting certification regarding termination.
- Income is insufficient, disposable income verifies lower $-194.54. Income with unemployment is even less and verifies $-1,709.55.
- IRS amended claim adds 2021 taxes owed $982, which is not in plan. Trustee ok to pay?(PER ATTY OK TO PAY)
- There is non-exempt equity in real property $7,546.96, possibly in bank acct, acorns and PayPal, pending statements.
- Must file Pre-confirmation certificate.

Prop Plan $287 x 60 begin 3/1/22; Dollar Base $11,173.87
Note: Updated auto insurance and homeowner provided 5/3/22. 2021 Tax return and proof of spouse unemployment provided 5/16/22.
Matter ResolvedRequest
Adjourment
956/15/2022 10:00 am22-11632 / CMGCarol L. Knowlton, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 3 required payments   Arrears: $0  
Total Paid In: $7,500.00
6/12/22(mk):

**CAN REC CONFIRM AT $5,500 PTD, THEN $2000 x 33 Begin 7/1/22; Base; Must file fee application w/in 7 days of confirming order.

-----------------------------
mk:closing was 2/21 rec'd 34,000 into bank acct- atty has submitted bank statements show what happened to $ and explanation - and the spent $ to live on so 4,800 left on filing date and she exempted that- needs more info regarding how $ was spent then Mk to discuss w/ atty- MK reviewed all docs satisfied proceeds were spent on living expenses - only 4,000 remain in acct when case was filed and exempt

AS OF 5/25/22 (SF)

Note: - NEED AMENDED SCHEDULE C TO TAKE EXEMPTION ON PROCEEDS FROM SALE(MK: sale was in feb 2021.

RECOMMEND $5000 PTD, $2000 X 38 (BEGIN 6/1/22) W/ MIN $20,000 TO GUCS PER EQUITY IN SALE PROCEEDS)
- MUST FILE PRE-CONFIRMATION CERTIFICATION WITHIN 10 DAYS(Filed)
- PROVIDE COPY OF 2021 TAX RETURN BY 5/31/22(Provided)

1. Trustee objection:
- Need a copy of the last filed tax return - 2021 on or by 5/31/2022

-Form 122c Line #22 includes $214/additional health care - need proof; $44 additional food expense.

-Need copy of the HUD-1 from sale of real estate in February 2021. Debtors received $34,432.55 from sale on 2/3/21 (DEBTOR DID NOT EXEMPT ANY OF THE PROCEEDS ON SCHEDULE C) SHOULD AMEND SCHEDULE C AND WILL NEED MIN $20,000 TO GUCS

2. Must file pre-confirmation certification(filed)

Plan proposes $1500 PTD, $2000 X 35 Base
Payments: $5000 Received

RESOLVE ISSUES:
- Amendments to Schedules Schedule I fails to itemize payroll deductions and uses gross income only
(I AND J AMENDED)
- excess expense on Schedule J: Life insurance $730/month; IRS/State NJ payment $900/month - plan states they are paid outside of the plan, need to provide Trustee with agreement with IRS and State NJ; $600/medical - need supporting documentation.
(I AND J AMENDED)
-per provided statement for Fulton Bank acct. #1725, balance as of 1/31/22 is $5,105.14, not
$4,000 - Schedule B should be amended
Matter ResolvedRequest
Adjourment
966/15/2022 10:00 am22-11702 / CMGBrian W. Hofmeister, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $2,400.00
6/8 workup for the 6/15 calendar EDC

***TO CONFIRM IT NEEDS $2400 PAID THEN $852 X 53 BEG 7/1/22-100%-- Trustee standard order of distribution.


As of 5/20/22 (DS):

1. Trustee obj to the following:
- profit and loss for Jan. and Feb. 2022 (Received 2 P &L's, one has no
time frame on it and the other is for Nov. 2020 to Jan. 2021) and Jan. and Feb. personal bank statements for debtor and non-filing spouse. (OK CURRENT)
- There is non-exempt equity in real property $3,738.85, 2015 Mazda $8,375 and in Bank of America acct $5,654 total $17,767.85. Plan will be confirmed at 100% no unsecured claims filed.(OK TO MAKE 100%)
- Tax refund $10,413 not listed on Schedule I. (2021 IS LOWER OK)
- Need Trustee standard order of distribution.

Prop Plan $800 x 60 begin 4/1/22; Base and Loan mod by 8/31/22
------------------------------------
Resolved:
Need 2021 tax return DONE
Matter ResolvedRequest
Adjourment
976/15/2022 10:00 am22-11841 / CMGJONI L GRAY, ESQConfirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,785.00  
AS OF 6/13/2022 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - with comparatives used to value property. CMA provided is dated 1/28/20. (NOT RECEIVED)
- A copy of the last filed tax return - for 2021 no later than 5/31/22. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Car payment $1,000 and additional car warranty $200.
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There may be non-exempt equity in Central Jersey bank acct, and One United Bank savings acct (pending updated documents and amended Sch. B & C).
- Need 2 months bank statements from Central Jersey P&F FCU and One United Bank savings prior to filing date. (NOT RECEIVED)
- Add to confirming order non-exempt proceeds from any personal injury lawsuits to Trustee. (LANGUAGE ADDED)
- Must resolve IRS estimated claim. (STILL ESTIMATED)
- Pre-confirmation certificate. (NOT FILED)

RESOLVED:
- A copy of the homeowner's insurance renewal declaration - insurance set to expire on 5/10/22. (RECEIVED)

Plan proposes: $1,785 x 60 beginning 4/1/2022, base
Payments: 2/3, arrears $1,785
Matter ResolvedRequest
Adjourment
986/15/2022 10:00 am22-11851 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 2 of 3 required payments   Arrears: $1,924.00  
mk:atty has MP -waiting for signature- MP in 14 days

AS OF 6/7/22(SF)

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

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

3. State of NJ filed estimated priority claim 17-2 (NEED AMENDED CLAIM)

4. State of NJ filed secured claim 17-2 for $5687.75 which is not addressed in plan (OK TO PAY?)

5. The IRS filed secured claim 7-2 for $20,505.57 and priority claim for $19,820.82 which is not addressed in plan and makes plan infeasible. Payment will need to be increased.

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

7. Trustee objection:

-need to file Pre Confirmation Certification with Court

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

Plan proposes $1924 x 60 0%
Payments: 2/3 Arrears: $1924

RESOLVED ISSUES:
-there is non exempt equity in real property in the amount of $55945.78, this cannot be a 0% plan. Also, debtor does not take a d(1) exemption. (DEED RESTRICTED PROPERTY, THERE IS NO EQUITY)
Matter ResolvedRequest
Adjourment
996/15/2022 10:00 am22-11872 / CMGROBERT G SWAN, ESQConfirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

MK: NEEDS AN AMENDED C TO TAKE (d)(1)- that will address the NE Equity.

AS of 6/13/22(mk):Updated:

**CAN REC CONFIRM AT $3,300 PTD, Then $1,489 x 57 begin 7/1/22; Base w/ min $17,495 to gucs due to non exempt equity in real property.**


>>Income does not appear to support the higher payment- email to atty

--------------------------
1. Trustee objection:
- need CMA with comparatives ( w/in 6-8 mos)used to determine value, none provided.
(rec'd a followup form broker as to condition of home- to support the stated value-OK)
There is non-exempt equity on real property
$17,497.
-need pre conf cert.(Filed)
- Need updated home insurance(Provided)
-need tax returns for 2020 (missing pgs 3
& 4) & 2021 tax return.(provided)

Objection by US Bank: RESOLVED
mk: objection by US bank-atty says Pay It - Consent Order(#18) resolving obj submitted to Chambers 5/17/22- the Order acknowledges the pre pet arrears of $60,510.34 in POC #3-1 BUT does not specifically authorize the TR to pay the arrears. creditor acknowledges this is to be be paid thru the plan so we will set it up per the poc and the Order


Plan:$1,100 x 60 begin 4/1/22; Base
3/3 payments
bar date 5/18/22
Matter ResolvedRequest
Adjourment
1006/15/2022 10:00 am22-11974 / CMGRoman Akopian Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 6/9/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
- Need updated car insurance for both vehicles.
- Need a Modified Plan that addresses 2nd mortgage held by HUD.
- 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 $15,605 in non exempt equity in the vehicles.
- There is $1,400 in non exempt equity in the whole life policy.
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service on Mariner Finance for cram of 2015 BMW.
- Need to file Pre Confirmation Certification.
- Need to resolve bifurcated claims filed by Wynnfield at Somerset Condo Association and Mariner Finance.
- Need a consent order for the trustee to make adequate protection payments to Mariner Finance.
- Need a statement for the whole life insurance policy
2) Plan and attorney disclosure do not agree, disclosure has $1,400 to be paid through plan, plan does not include attorney fees to be paid - need to resolve


proposed plan $740.50x36 base plan
paid in $1481
arrears $740.50
last claim 14
Matter ResolvedRequest
Adjourment
1016/15/2022 10:00 am22-11987 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

UPDATED 6/13/2022 (JMA) -AMENDED SCHEDULES FILED
issues as 6/9/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - for 2021, if not filed must provide no later than 5/31/22.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Car payment $341, no auto loan listed on Sched D, G or Plan.
- The debtor(s) is not paying all disposable income into the plan - the Trustee 's calculations are higher for the following reason (s): Disposable income verifies $2,996.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): Pending all claims secured and priority tax claims amended, there is non -exempt equity on real property as of now at $29,343.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l).
- Must resolve IRS estimated tax claim
- Must file Pre -confirmation certificate.
2) State of NJ Division of Taxation priority claim #17 is estimated for 2019 taxes - need to resolve
3) State of New Jersey Judgment on secured claim 11 in the amount of $19,938.32 - not in plan, need to resolve
4) NR Deed LLC filed secured claim 16 in the amount of $60,449.86 tax sale certificate - not in plan, need to resolve
5) The plan has Christiana Trust for a tax lien in the amount of $62,330.13 - is the same as the NR Deed LLC claim? - need to resolve

proposed plan $2,558x60 begin 4/1/2022 with minimum $42,120.20 dividend to gucs
paid in $7674
last claim 17

RESOLVED ISSUES:

- Updated auto insurance, insurance expired 3/25/22.UPDATED INS SUBMITTED
Also insurance for car payment listed on Schedule J. 2005 FORD FOCUS ADDED TO SCHEDULES 6/10/2022
- Amendments to Schedules B and C to add acct#5512 FILED A
Matter ResolvedRequest
Adjourment
1026/15/2022 10:00 am22-12058 / CMGPRO SEConfirmation Hearing ScheduledMoot - DismissedDebtor has made 0 of 3 required payments   Arrears: $0  

As of 6/7/22 (DS): Motion to vacate dismissal has been resched to 6/15/22. 341 not held 5/5/22, still missing docs and no payments made. Arrears $1,760.01, made 0 out of 3 payments.

Dismissed 4/27/22, motion to vacate dismissal scheduled 5/18/22. >.OST
Matter ResolvedRequest
Adjourment
1036/15/2022 10:00 am22-12112 / CMGJose R. Torres Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

mk: 6/15/22: current auto insurance provided.

AR HELD FOR AUTO INSURANCE
issues as of 6/10/2022 (JMA)

1) Trustee objection to confirmation - need to resolve
- the debtor has insufficient income
- failed to file a feasible plan
- the schedules fail to account for the debtor(s) tax refund in the amount of $1,864 when determining disposable income
- the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is non exempt in Chase Bank acct #9062 in the amount of $4,872.14, must pay minimum $4,872.14 dividend to general unsecured creditors
- need auto insurance renewal, policy provided expires 6/3/2022 - NOT PROVIDED TO DATE(mk: provided 6/15/22)
- need to file Pre Confirmation Certification with Court NOT FILED TO DATE
3) Fifth Third Bank filed secured claim 5 for 2018 Nissan Sentra, this claim is not treated in plan, there are no arrears - need to address claim

proposed plan $163.01x60 base plan
paid in $489.03
last claim 6
Matter ResolvedRequest
Adjourment
1046/15/2022 10:00 am22-12210 / CMGPRO SEConfirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 0 of 3 required payments   Arrears: $0  

As of 6/7/22 (DS): 341 will not be held 6/9/22, still missing all docs and no payments made, plan does not state amount to pay. Plan is completely blank and no signature from Pro-se Debtor.
Matter ResolvedRequest
Adjourment
1056/15/2022 10:00 am22-12339 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $0  
Total Paid In: $2,220.00
issues as of 6/10/2022 (JMA)

To resolve Trustee objection, need to confirm at $2,220 paid to date, $1,251x57 begin 7/1/2022 100% plan

1) Trustee objection to confirmation - need to resolve
- 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): -Debtor and spouse income verifies higher than scheduled, monthly disposable net is $2,442.
- need to file Pre Confirmation Certification with Court - RESOLVED, FILED

proposed plan $1110x60 base plan
paid in $2220
arrears $1110
last claim 7

Matter ResolvedRequest
Adjourment
1066/15/2022 10:00 am22-12496 / CMGPRO SEConfirmation Hearing ScheduledMoot - DismissedDebtor has made 1 of 3 required payments   Arrears: $0  

mk:6/14/22: Debtor contacting CT- she pd the filing fee- is trying to get order to vacate dismissal of case. DEBTRO HAS FILED A MOTION TO VACATE THE DISMISSAL RET. 7/6/22

updated 6/13/2022 - case dismissed 6/9/2022
issues as of 6/7/2022 (JMA)

1) 341 hearing scheduled for 6/9 - recommend requesting adjournment of confirmation hearing to address any issues
2) Not current with Trustee plan payments, arrears $800
3) Need to file Pre Confirmation Certification with Court
Matter ResolvedRequest
Adjourment
1076/15/2022 10:00 am22-12546 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $5,900.00  
As of 6/13/22 (DS): Debtor attorney requested adjournment to file remaining GIT-ER tax return and to obtain divorce docs from lawyer. Adjourned peremptory, no further adjournments


As of 6/9/22 (DS): 1. BELOW ISSUES REMAIN UNRESOLVED.

As of 5/31/22 Debtor attorney requested adjournment to resolve estimated claims.

6/1/22 (DS): 1. Trustee obj to the following:
- 2021 Tax return filed as HOH, not married filing separately.
- Must provide divorce documents and property settlement agreement (per Debtor's cert, Debtor is in a divorce proceeding with soon to be ex-wife. Spouse has 1/2 interest on real property and currently resides at home and is not contributing to household expenses, no income provided and 2021 tax return filed . - COMPLAINT FOR DIVORCE IS NOT STAMPED FILED, HAS NO DOCKET NUMBER, IS SIGNED AND DATED 2020 (NO FULL DATE), ALSO LIT FORM IS SIGNED AND DATED 2/12/20. PER ATTORNEY EMAIL NO LANDLORD/TENANT COMPLAINT FILED.
- Must resolve State of NJ estimated tax claim.
- Must file Pre-confirmation certificate.

Prop Plan $6,800 x 60 begin 4/1/22; Base
Note: IRS estimated claim amended and 2021 tax return provided.
Matter ResolvedRequest
Adjourment
1086/15/2022 10:00 am22-12548 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $6,000.00
AS OF 6/9/2022 (at):Atty ok to terms(mk)

RECOMMEND: $6,000 PAID TO DATE, $2,177 x 57 BEGINNING 7/1/2022, BASE WITH A MINIMUM OF $93,331 TO UNSECURED CREDITORS
Debtor's attorney must file a fee application within 7 days of confirmation.
Need to file Pre-Confirmation Certification within 7 days of confirmation.
Preserve non exempt equity of $69,330 in real estate and $24,001 in personal property

1. Trustee's objection:
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Form 122C-2 Line 45 shows monthly disposable income $2,702.67
- Net disposable income as verified by review of pay stubs is $4,051
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):
- non exempt equity in home $52,359.35
-non exempt equity in Disney timeshare Poleynesian $8,395.50
-non exempt equity in Disney timeshare Copper Creek $8,395.50
-non exempt equity in the Honda $11,101.32
-non exempt equity in the Toyota $12,900
TOTAL NON EXEMPT EQUITY $94,151.62, PLAN MUST PAY THIS SAME AMOUNT AS
MINIMUM DIVIDEND TO GENERAL UNSECURED CREDITORS
-Schedule J includes non debtor spouse expenses in the amount of $2,360 - need an itemization of this expenses
-need cash value of whole life insurance policy
-need to file Pre Confirmation Certification with Court (NOT FILED)

Plan proposes: $2,000 x 60 beginning 4/1/2022, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1096/15/2022 10:00 am22-12711 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $518.00  
As of 6/7/22 (DS): 341 needs to be resched, then submit confirmation adjournment request

mk: 341 on for 7/7/22
Matter ResolvedRequest
Adjourment
1106/15/2022 10:00 am22-12714 / CMGEugene Roth, Esq.Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1116/15/2022 10:00 am22-12735 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $300.00  
AS OF 6/9/22 (SF)

1. 341 NOT HELD - RESCHEDULED TO 6/30/22
2. PAYMENTS: 1/2 ARREARS: $300

Matter ResolvedRequest
Adjourment
1126/15/2022 10:00 am22-12769 / CMGOtto J. Kostbar, Esq.Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

issues as of 6/9/2022 (JMA)

1) US Bank (KML) objection to confirmation - need to resolve
-estimated pre petition arrears
2) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income . Verified income leaves monthly disposable income of $75.30. WITH 2021 TAX REFUND $77.31 DISPOSABLE NET INCOME
- The debtor has failed to supply the Trustee with the following document (s): Business profit & loss statements, Business forms - for container business listed on statement of financial affairs. NOT PROVIDED TO DATE
- A copy of the last filed tax return - 2021 by 5/31/2022. RESOLVED, PROVIDED 2021 RETURN
- Need February and March bank statements for PNC accounts 3776 and 3768. NOT PROVIDED TO DATE
- Need to file a Modified Plan that removes the IRS from Part 4 d - NOT FILED TO DATE
- Amendments to Schedules Statement of Financial affairs to list attorney fees paid. - NOT FILED TO DATE
- The Schedules fail to account for the debtor (s) tax refund in the amount of $1,004.00 when determining disposable income.
- The debtor has failed to provide proof of service with respect to Plan Motion (s). Need proof of service on the IRS for motion to avoid liens listed in part 7a of the plan. NOT FILED TO DATE
- Need to file Pre-Confirmation Certification. RESOLVED, FILED
- Need to resolve the estimated claim filed by the IRS.
- Need an updated P&L for the debtor by 7/31/2022.
- Need statements for the Venmo and Zellel accounts NOT PROVIDED TO DATE
2) Per the amended IRS claim 2 there is a secured claim in the amount of $6,363.09. The debtors plan has plan motion to cram two secured claims in the amount of $4,565.14 and $3,977.33


proposed plan $200x60 base plan with loan mod by 9/2022
paid in $400
last claim 6
Matter ResolvedRequest
Adjourment
1136/15/2022 10:00 am22-12803 / CMGMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledConverted to 7 / 11Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 6/7/22 (SF)

Note: Plan is not feasible due to claims filed. The IRS filed a priority claim for $21,138.87 and Service Experts filed an arrears claim for $10,763 which makes the plan infeasible. Also it appears that the plan requests that arrears be paid to mortgage company pending loan mod but proposed plan payment is only $50 per month.

1. Loss Mit order expires on 7/22/22

2. Service Experts NJ Plumbing LLC filed claim 10-1 which is a lease with arrears of $10,763 (OK TO PAY?)


Plan proposes $50 x 36 Base, Loan Mod in 6 months
Payments: 1/2 Arrears: $50

RESOLVED ISSUES:
3. Trustee objection:
- Need to resolve the estimated claim #3 filed by the IRS. (AMENDED)
Matter ResolvedRequest
Adjourment
1146/15/2022 10:00 am22-12832 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledContinued
7/6/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

6/15/22 (sf) - Copy of TFS payment received for $402.99 attached

As of 6/9/22 (DS): 1. No Trustee payments made, arrears $400, made 0 out of 2 payments.

2. Trustee obj to the following:
- Need 2021 Tax return, updated auto insurance (if not confirmed by 6/15/22, insurance expires 6/24/22), proof of income for Debtor from Amazon for the month of March 2022 (prior to filing date) and 2 months bank statements from all bank accounts listed on Sched B prior to filing date.
- Disposable income verifies $999, per proof provided.
- Must file Pre-confirmation certificate.

Prop Plan $200 x 36 begin 5/1/22; Base
Matter ResolvedRequest
Adjourment
1156/15/2022 10:00 am22-12906 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

6/7/22(mk);

341 on for 6/23/22
2/2 payments

>>NEEDS ADJ REQUEST FOR THIS CONF HEARING<<
Matter ResolvedRequest
Adjourment
1166/15/2022 10:00 am22-12915 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

2/2 payments- 341 on 7/7/22
Matter ResolvedRequest
Adjourment
1176/15/2022 10:00 am22-12920 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $800.00  

AR
HELD WITH 51
As of 6/9/22 (DS):


1. No Trustee payments made, Debtor in arrears $800 made 0 out of 2 payments.

2. Trustee obj to the following:
- Need copies of settlement statements for both lawsuits (car accident and Walgreen's employment suit).
- Need Mod Plan that increases trustee payment to cure rent arrears in the first 18 months.
- Plan should provide for Base distribution after cure of rent arrears.
- Plan fails to provide for a prompt cure of rental arrears.
- Must file Pre-Confirmation Certification.
- Add to confirming order non-exempt proceeds from lawsuits.

3. Avalon-Landlord (GORSKI & KNOWLTON) obj to plan not proposing 12-18 month prompt cure of rental arrears. Obj must be resolved.

Prop Plan $400 x 38 begin 5/1/22; $0 and P/I
Matter ResolvedRequest
Adjourment
1186/15/2022 10:00 am22-12925 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 6/13/2022 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING.

1. 341 is scheduled for 6/9/2022.
2. Payments: 2/2
Matter ResolvedRequest
Adjourment
1196/15/2022 10:00 am22-12972 / CMGWARREN LEVY, ESQ.Confirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

issues as of 6/7/2022 (JMA)

1) 341 not held, not rescheduled
2) Current with Trustee plan payments
Matter ResolvedRequest
Adjourment
1206/15/2022 10:00 am22-12982 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 6/13/22 (SF)- Adj request denied, no payments


1. 341 NOT HELD - RESCHEDULED TO 6/30/22
2. NO PAYMENTS: 0/2 ARREARS: $3000
Matter ResolvedRequest
Adjourment
1216/15/2022 10:00 am22-13044 / CMGMARYBETH SCHROEDERConfirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 6/7/22 (SF)

1. Trustee objection:

- Need March and April, 2022 bank statements for Chase account #5670.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,388.00
when determining disposable income.

- There is $56,261 in non exempt equity in the residence.

- There is $9,225 in non exempt equity in the 2018 Honda Fit.

- There is $1,298 in non exempt equity in the Chase bank accounts.

- Need to file Pre-Confirmation Certification.

- Need a statement for the debtor's 401k loan.

2. The debtor has failed to provide proof of service with respect to Plan Motion(s).
Improper service to Citibank and Discover, did not serve Managing Agent or Corporate Officer

Plan proposes $300 x 60 Base
Payments: 2/2



Matter ResolvedRequest
Adjourment
1226/15/2022 10:00 am22-13062 / CMGKevin C. Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 1 of 2 required payments   Arrears: $685.00  Total Paid In: $685.00
AS OF 6/13/2022 (at):

RECOMMEND $685 x 36 BEGINNING 5/1/2022, BASE
Student loans will be paid outside of the plan.
Claim #5 filed by Credit Acceptance will be paid through the plan.

1. Credit Acceptance filed a secured arrears claim #5 in the amount of $398.66 which is not in the plan. Is it ok to pay this claim?

RESOLVED ISSUES:
- The debtor has insufficient income. Verified income leaves monthly disposable income of $357.00.
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $685 x 36 beginning 5/1/2022, base
Payments: 1/2, arrears $685
Matter ResolvedRequest
Adjourment
1236/15/2022 10:00 am22-13066 / CMGAdrian Johnson, Esq.Confirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

Mk: had proof of $ morder

6/14/22 (sf) - Debtors called, they are going to make epayment today. I told them to forward copies of receipts to their attorney.

6/3/22:adj request uploaded but no $- mk email to atty need a payment before i can adj.


341 on for 6/23/22.
0/2 payments as of 6/2 22

>>NEEDS A PAYMENT AND REQUEST TO ADJOURN THIS CONF HEARING<<

61322: Objection by Sec Veterans Affairs:
-plan fails to cure arreras and LM speculative
Matter ResolvedRequest
Adjourment
1246/15/2022 10:00 am22-13096 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $5,580.00  
6/15/22:mk: Tr payment to process today-341 request uplooaded


AS OF 6/6/2022 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $11,160
Matter ResolvedRequest
Adjourment
1256/15/2022 10:00 am22-13181 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 6/7/22 (SF)

1. Motion for Relief filed by Toyota scheduled for 7/6 at 9

2. Toyota is not assumed in the plan

3. Trustee objection:

- The debtor has insufficient income . Verified income leaves monthly disposable income
of $28.09.

- Need a current market analysis - with comparables sold within the last 6 months.

- Need a statement for the Village Supermarket stocks.

- The debtor has undertaken an improper use of exemption. Specifically: Co-debtor is the
only party on the deed. The debtor is not entitled to the D1 exemption.

- There is $2,000 in non exempt equity in the Village Supermarket stocks.

- Need to file Pre-Confirmation Certification.

- Schedule J has two mortgage payments on it. Need a statement for the second mortgage
or Amended Schedule J.


Plan proposes $200 x 60 Base
Payments: 2/2


Matter ResolvedRequest
Adjourment
1266/15/2022 10:00 am22-13186 / CMGJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 2 of 2 required payments   Arrears: $0  

MP in 14 days & cert form Debtor on 2013 car not operational

As of 6/13/22 Debtor attorney requested adjournment, request denied, need auto insurance for 2013 Chrysler, per email from Debtor attorney 6/14/22, vehicle is non-operational and in Debtors driveway

As of 6/13/22 (DS): 1. Trustee obj to the following:
- Need auto insurance for 2013 Chrysler Town & Country, none provided.
- Debtor has undertaken an improper use of exemption. Specifically: Co-debtor is not
on Deed and not entitled to use the D1 exemption.
- There is non-exempt equity on real property $14,456.53. Total unsecured claims filed $5,558.36 as of 6/8/22.
- Must file Pre-confirmation certificate.

2. Shellpoint Mtg-real property 50 Ridge Place (PINCUS LAW GRP) obj to arrears owed $24,469.12, no POC filed. THIS PROPERTY IS NOT LISTED IN SCHEDULES A, D OR F OR PLAN, NO INFO PROVIDED SUCH AS DEED, MTG, HOMEOWNER INSURANCE. OBJ MUST BE RESOLVED. - AS OF 6/15/22 EMAIL FROM DEBTOR ATTY DEBTOR SIGNED OVER HOME IN QUICK CLAIM DEED TO HIS EX-WIFE, SHE WAS SUPPOSE TO REFINANCE HOME AND REMOVE HIM FROM MORTGAGE. DEBTOR WILL BE FILING A MOD PLAN TO ADDRESS CLAIM.

Prop Plan $660 x 60 begin 5/1/22; Base
Note: Tax refund added, but disposable income verifies $310, Sched I & J showed income $-795.72. No need for tier plan, since disposable income verifies $310 add $185 total would be $495, plan pays more, plus there is non-exempt equity.
Matter ResolvedRequest
Adjourment
1276/15/2022 10:00 am22-13187 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 6/6/2022 (at):

NEED TO REQUEST AN ADJOURNMENT OF THE CONFIRMATION HEARING.

1. 341 is scheduled for 6/30/2022.
2. Payments: 2/2
Matter ResolvedRequest
Adjourment
1286/15/2022 10:00 am22-13296 / CMGSEYMOUR WASSERSTRUM, ESQConfirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 9 of 2 required payments   Arrears: $0  

As of 6/9/22 (DS): 341 not held 5/26/22, POA motion granted 6/15/22, must resched 341 and submit current auto insurance for 2017 Ford and then submit conf adjournment req


341 now on 7/14/22
Matter ResolvedRequest
Adjourment
1296/15/2022 10:00 am22-13387 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $2,137.00  
AS OF 6/13/2022 (at):


1. 341 is scheduled for 7/7/2022.
2. Payments: 1/2, arrears $2,137

MK: fyi Order resolving Objection by Bank of NY( KML) was submitted to chambers 6/8/22. Creditor will file a POC and debtor will pay the arrears thru plan.
Matter ResolvedRequest
Adjourment
1306/15/2022 10:00 am22-13477 / CMGBrad J. Sadek, Esq.Confirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

As of 6/7/22 (DS):

341 not held 5/26/22, still missing: CMA (doc provided has no dates), Deed,(uploaded 6/13/22)

>>NO homeowner insurance and auto insurance PROVIDED
-
1/2 payments
Matter ResolvedRequest
Adjourment
1316/15/2022 10:00 am22-13487 / CMGAndy Winchell, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $220.00
AS of 6/7/22(mk):

**CAN REC CONFIRM AT 110 x 60 Begin 5/1/22; Base


1. Trustee Objection:
-needs pre conf cert(filed)

Plan:$110 X 60 BEG 5/2022; BASE
1/2payments
bar date:7/7/22
Matter ResolvedRequest
Adjourment
1326/15/2022 10:00 am22-13537 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/20/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 6/13/2022 (at):

RECEIVED PROOF OF $1,000 PAYMENT ON 6/13/2022.

IF PAYMENTS ARE MADE, NEED TO REQUEST AN ADJOURMENT TO AFTER 6/29/2022 BECAUSE SERVICE ON PNC WAS 6/1/2022.

1. Objection filed by US Bank National (Brock & Scott) - failure to cure arrears of $164,179.45 (Per obj - No POC yet)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Amendments to Schedules Schedule B and C to reflect TD Bank #9543 end balance of $17,040.15 as of 3/25/2022 (NOT AMENDED)
- need to file pre confirmation certification with Court (NOT FILED)

RESOLVED ISSUES:
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):
-non exempt equity in TD Bank acct #9543 $3,040.15 (LANGUAGE ADDED)
The debtor has failed to provide proof of service with respect to Plan Motion (s).
- motion to avoid lien and reclassify PNC Bank claim to completely unsecured. (CERT OF SERVICE FILED 6/1/2022)

Plan proposes: $500 x 60 beginning 5/1/2022, loan modification within 6 months of confirmation, not less than $2,615.15 to unsecured creditors
Payments: 0/2, arrears $1,000
Matter ResolvedRequest
Adjourment
1336/15/2022 10:00 am22-13984 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
8/3/2022 10:00 am
Debtor has made 1 of 1 required payments   Arrears: $0  

341 on for 6/16/22
1/1 payment as of 6/2/22

>>NEEDS REQUEST TO ADJOURN THIS CONF HEARING<<

Matter ResolvedRequest
Adjourment
1346/15/2022 12:00 pm19-20658 / CMGAndrew Thomas Archer Motion CompensationGrantedTotal Paid In: $9,746.00
Matter ResolvedRequest
Adjourment
1356/15/2022 12:00 pm21-13481 / CMGJonathan Goldsmith-Cohen, Esq.Motion CompensationGrantedTotal Paid In: $14,214.00
Matter ResolvedRequest
Adjourment
1366/15/2022 12:00 pm22-12439 / CMGMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $4,209.00
Matter ResolvedRequest
Adjourment
1396/15/2022 2:00 pm21-19037 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 7 required payments   Arrears: $0  
Total Paid In: $1,610.00
ISSUES AS OF 6/9/2022 (DM): Trustee needs to review Certification from debtor's father uploaded on 6/9/22.

***In order to resolve the Trustee objections, THE TRUSTEE RECOMMENDS CONFIRMATION AT $230 x 60, BASE PLAN, THRESHOLD OF $4,333 PRESERVED***

 NEEDS EVIDENCE HEARING

 4/14/22 - Trustee to contact debtor's counsel regarding uploaded Certification.

1) Caliber Home Loans filed $223.41 arrears claim (OKAY TO PAY? - YES)

2) Trustee Supp OBJ:
- Trustee received a copy of Bank of America account on 2/9/22 covering the bankruptcy filing date. The Trustee needs an explanation for the $26,614 deposits/additions and $28,812 withdrawals/subtractions that occurred in the monthly statement.

3) Trustee OBJ:
- Debtor has insufficient income (AMENDED SCH I ADDS CONTRIBUTION).
- Need statement for Robinhood acct prior to filing date (RECEIVED - $2,000 NON-EXEMPT).
- Need bank statements for BOA from 10/20/21-11/23/21 (NEED EXPLANATION FOR TRANSACTIONS).
- Need income of partner to be disclosed (RECEIVED AFFIDAVIT).
- Need amended Sch I to add partner to contribute to household expenses (AMENDED SCH I FILED TO ADD $120 INCOME).
- There is $2,333 non-exempt equity in real property.
- Possible equity in BOA acct and Robinhood acct - both estimated (SEE ABOVE).


Prop. Plan $230 x 36, Base
PTD 6/7 = $1,380
Last Claim (11-1)
Matter ResolvedRequest
Adjourment
1416/15/2022 3:00 pm21-15049 / CMGEdward Hanratty, Esq.AP Summons IssuedOrder Previously SubmittedTotal Paid In: $7,153.00
AP 22-1089 Danella vs. NJHESAA PRETRIAL
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes