Judge Michael B. Kaplan
Hearing Date: 6/24/2020
Hearing Count: 212
Last Updated: 07-02-2020 07:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
06/24/2020 8:30 am20-14335 / SLMSCOTT D SHERMAN ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 1 of 4 required payments   Arrears: $270.00  Total Paid In: $300.00
AS OF 6/18/20 (SF)


RECOMMEND $300 PTD, $270 X 57 (BEGIN 7/1/20) BASE PLAN
- TRUSTEE STANDARD ORDER OF DISTRIBUTION


Plan proposes $100 x 3. $269 X 57 Base
Payments: 3/3

RESOLVED ISSUES:
- Must file Pre-confirmation certificate. (FILED)
- Must resolve IRS estimated claim - CLAIM AMENDED
- The plan proposes to pay the IRS outside the plan. (NEED CONSENT ORDER)
Trustee objection:
- Proof of 2 month's income - from family trust account and party planning business (1099 Form). (1099 RECEIVED. THERE IS NEGATIVE INCOME) Reduced expenses by $150 for IRS payment and now income verifies at $148
- Trust account documents, and 2 months bank statements from checking acct with TD Bank prior to filing date.
The debtor(s) plan consists of unnecessary or excessive expense items, such as: IRS $150 (requires consent order with IRS). MOOT TO BE PAID THRU PLAN

Matter ResolvedRequest
Adjourment
16/24/2020 9:00 am15-14263 / MBKPETER E ZIMNIS, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/8/2020 9:00 am
Total Paid In: $16,999.00
7/8 new date-debtor to come up with plan to payoff quickly or D

AR NEEDS UPDATE ON COMPLETING PLAN BALANCE -$1592 to payoff case as of 6/22
Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
26/24/2020 9:00 am15-14867 / MBKCANDYCE I SMITH-SKLAR, ESQMotion File Claim After Claims Bar DateMootTotal Paid In: $25,459.00
***Per atty, okay to mark as Moot as suggested below***

5/10 AMT: ISN'T THIS MOOT? 'Per plan' mtg clm pd total of $9,386 before creditor returned funds for transfer of servicing. Debtor filed POC #22-2 for less than the amount paid to date; clm has been adjusted. Why do we need an order allowing late clm when there are no add'l pymts to be made?<<<<>>>>

amt: PPSD order in amended mtn modifys clm amount to $8,259/same as #22-2. Trustee has ptd $9,386.52 and will not seek refund. Clm will be marked ptd<<<>>>

5/27 AMT: POC #22-1 FILED FOR $10,775.90, BUT APOC #22-2 FILED FOR $8,259 WHICH IS LESS THAN PTD<<<>>>


MTN ALLOWING LATE POC (PHH MTG)
Matter ResolvedRequest
Adjourment
36/24/2020 9:00 am15-14867 / MBKCANDYCE I SMITH-SKLAR, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $25,459.00
***Adj to 6/24/20 peremptory - atty working out transfer of claim issue with mtg co***

AR ATTY NEVER ADDRESSED NOTICE OF RESERVE
Debtor obj<>FAILED TO PAY PLAN BALANCE (paid in full); NEED TO ADDRESS NTC OF RESERVE PER PLAN CLM ID #20
Matter ResolvedRequest
Adjourment
56/24/2020 9:00 am15-17401 / MBKPATRICK MOSCATELLO, ESQMotion Relief from Stay (Fee)Granted
Debtor obj (obj withdrawn) <>HARLEY-DAVIDSON CREDIT (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
66/24/2020 9:00 am15-17976 / MBKROBERT MANCHEL ESQCreditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $34,652.00
AR PLAN COMPLETE TREAT AS OS
FREEDOM MTG (McMonagle) ( TR ARREARS )
Matter ResolvedRequest
Adjourment
76/24/2020 9:00 am15-20800 / MBKBRAD J SPILLER ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
6/18 AMT: per atty, debtor mailing $30 plan bal today<<<>>>


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

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

Debtor obj, reviewing garnishment with employer<<<>>>ARREARS
Matter ResolvedRequest
Adjourment
86/24/2020 9:00 am15-21643 / MBKROBERT MANCHEL ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/22/2020 9:00 am
Total Paid In: $36,201.00
made payment per epay on 6/24 EDC

AR DID NOT MAKE 2400 PYMT
Debtor response, can pay $2800 imm, $2400 on 5/18 and bal by 7/31<>ARREARS-adj denied no payments since January
Matter ResolvedRequest
Adjourment
96/24/2020 9:00 am16-12359 / MBKFrances A. Tomes, Esq.Motion to Determine Validity of Payment ChangeContinued
7/8/2020 9:00 am
Total Paid In: $12,283.00
creditor filed response to motion, attached below
DEBTOR MTN OBJECTING TO NTC OF MTG PYMT CHANGE
Matter ResolvedRequest
Adjourment
106/24/2020 9:00 am16-24171 / MBKDavid L. Stevens Trustee Certification of DefaultContinued
7/28/2020 9:00 am
Total Paid In: $66,172.00
PYMT POSTED ATTY TO ADVISE HOW TO RESOLVE
***adj to 6/24/20 for payment to post - atty to file a COVID MP extension per last time (NOT DONE as of 6/22)
AR EMAIL TO FORM - NOT CURRENT AS ALLEGED
Debtor obj, will be current before hearing
Matter ResolvedRequest
Adjourment
116/24/2020 9:00 am16-26911 / MBKJustin M. Gillman, Esq.Motion Hardship DischargeGranted
Matter ResolvedRequest
Adjourment
126/24/2020 9:00 am16-29690 / MBKWARREN BRUMEL, ESQMotion Relief from Co-Debtor StayWithdrawnTotal Paid In: $16,050.00
US BANK NAT'L (PHELAN)
Matter ResolvedRequest
Adjourment
136/24/2020 9:00 am16-30179 / MBKWARREN BRUMEL, ESQMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $46,733.00
MTN TO EXPUNGE CLM #8 (POST LM)
Matter ResolvedRequest
Adjourment
146/24/2020 9:00 am17-20627 / MBKDavid Jerome WitherspoonMotion Relief from Stay (Fee)GrantedTotal Paid In: $54,049.00
BAYVIEW LOAN SERVICING (SCHILLER, KNAPP, LEFKOWITZ)
Matter ResolvedRequest
Adjourment
156/24/2020 9:00 am17-26551 / MBKFawn B. Dyer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/8/2020 9:00 am
Total Paid In: $48,717.00
new MP by 7/8 EDC
AMT: MP 6/24 ***RECOMMEND DENIAL***<<<>>>

Debtor obj<>SV/RESIDENTIAL #6-1; ARREARS
Matter ResolvedRequest
Adjourment
166/24/2020 9:00 am17-28695 / MBKROBERT MANCHEL ESQCreditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $11,092.00
PHH (Robertson)
Matter ResolvedRequest
Adjourment
176/24/2020 9:00 am17-30791 / MBKWilliam H. Oliver, Jr., Esq.Motion Motion (Generic) - Only use if no other event is applicableOrder to be SubmittedTotal Paid In: $18,498.00
MTN TO SUSPEND TRUSTEE PAYMENTS--OK -last payment April but needs needs amended order from Oliver to recap at $861 x 19 beg 7/1/20
Matter ResolvedRequest
Adjourment
186/24/2020 9:00 am17-31259 / MBKMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/8/2020 9:00 am
Total Paid In: $11,654.00
ADJ to 7/8/20 - debtor will need to address arrears.
AMT: Mtn to approve LM filed 6/17 by creditor<<<>>>

ADJ 30 DAYS (6/24/20) for motion and MP to be on the Docket
Debtor obj<>FAILED TO LM BY 6/30/18; EXTENDED LOSS MIT EXPIRED 8/31/19
Matter ResolvedRequest
Adjourment
196/24/2020 9:00 am18-10247 / MBKJENEE K. CICCARELLICreditor Certification of DefaultWithdrawn
CHAMPTION MTG (Robertson)
Matter ResolvedRequest
Adjourment
206/24/2020 9:00 am18-10763 / MBKCANDYCE I SMITH-SKLAR, ESQMotion Relief from Co-Debtor StayContinued
7/8/2020 9:00 am
Total Paid In: $13,704.00
Debtor obj<>CARRINGTON MTG (MILSTEAD)
Matter ResolvedRequest
Adjourment
216/24/2020 9:00 am18-17524 / MBKMICHAEL R SPECKApplication for Early Termination of Loss MitigationOrder to be SubmittedTotal Paid In: $13,500.00
AR ALL OTHER CLAIMS PAID AT 100%IF CONTINUE TREAT AS OS AND CLOSE CASE
Debtor obj<>BANK OF NY MTN FOR EARLY TERMINATION OF LOSS MIT(KML)
Matter ResolvedRequest
Adjourment
226/24/2020 9:00 am18-18685 / MBKPATRICK MOSCATELLO, ESQCreditor Certification of DefaultContinued
7/8/2020 9:00 am
Total Paid In: $31,649.00
WILMINGTON SVS (Shapiro) ( TR ARREARS $4,627 MTD ON 8-4)
Matter ResolvedRequest
Adjourment
236/24/2020 9:00 am18-19001 / MBKGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
FAILED TO AMEND US BANK/BSI #1-1 TO $0 PRE PET ARREARS OR W/D BY 11/11/19
Matter ResolvedRequest
Adjourment
246/24/2020 9:00 am18-20286 / MBKJOHN ZIMNIS, ESQMotion Relief from Co-Debtor StaySettled / ResolvedTotal Paid In: $8,200.00
Debtor obj<>MIDFIRST BANK (KML)
Matter ResolvedRequest
Adjourment
256/24/2020 9:00 am18-20406 / MBKDANIEL L. REINGANUMMotion Relief from Stay (Fee)Continued
8/4/2020 9:00 am
Total Paid In: $18,790.00
JPMORGAN CHASE (McCALLA RAYMER)
Matter ResolvedRequest
Adjourment
266/24/2020 9:00 am18-20434 / MBKJOSEPH CASELLO ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/14/2020 9:00 am
Total Paid In: $82,000.00
AMT: MP 7/14<<<>>>

FAILED TO FILE POC ON BEHALF OF BOROUGH OF RUMSON AND MTN ALLOWING TRUSTEE TO PAY BY 2/18/19
Matter ResolvedRequest
Adjourment
276/24/2020 9:00 am18-21446 / MBKRichard F. Fried, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $11,000.00
AMT: Order approving LM entered 6/18/20<<<<>>>>

ADJ FOR LOAN MOD MOTION
AR sent email to atty to appear at 2 PM
 Debtor furloughed - ADJ to 5/19/20 Peremptory for Motion to Approve Loan Mod

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

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


Debtor obj<>FAILED TO LM BY 3/10/19, EXTENDED LOSS MIT EXPIRED 5/31/19; FAILED TO FILE ORDER RESOLVING BOA OBJ TO CONF BY 2/1/19
Matter ResolvedRequest
Adjourment
286/24/2020 9:00 am18-22380 / MBKHENRY CHUDZIK, JR.Trustee Certification of DefaultWithdrawnTotal Paid In: $15,846.00
AMT: MP 6/24 *** HONOR ROLL***<<<<>>>>

AR NEED UPDATE FROM ATTY BEFORE HEARING DATE
Debtor obj, will cure arrears
Matter ResolvedRequest
Adjourment
296/24/2020 9:00 am18-23027 / MBKBRUCE C TRUESDALE ESQCreditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $19,140.00
***Order actually entered***

BAYVIEW ( KML) ( TR ARREARS)
Matter ResolvedRequest
Adjourment
306/24/2020 9:00 am18-23455 / MBKROBERT C NISENSON ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $16,241.00
Debtor obj<>PHH MTG (RAS)
Matter ResolvedRequest
Adjourment
316/24/2020 9:00 am18-24031 / MBKWilliam H. Oliver, Jr., Esq.Order Shorten TimeOrder to be SubmittedTotal Paid In: $7,032.00
6/16/20 - Doc #42 Supplemental Cert--received retroactive pay from settled Union contract of $22632 during bankruptcy and has $17,000 left to use for closing and settlement. Amended C to take partial exemption of $12,764. Why wasn't this disclosed until now? Per schedules there is $9504 non-exempt. Order should say trustee to receive $9504 for gucs. This may also be deemed disposable income. EDC

OST - Motion to Allow Post-Petition Financing for Purchase of Real Estate

EDC-paying $6000 in deposits plus $2225 in closing costs-where did money come from? OK per AR
-what is the monthly mortgage payment going to be?
-0% plan
Matter ResolvedRequest
Adjourment
06/24/2020 9:00 am18-24264 / CMGWilliam H. Oliver, Jr., Esq.Hearing Document ScheduledContinued
7/15/2020 9:00 am
Debtor has made 22 of 24 required payments   Arrears: $53.00  Total Paid In: $45,299.00
Trustee obj to Amd Disclosure
Matter ResolvedRequest
Adjourment
326/24/2020 9:00 am18-24264 / CMGWilliam H. Oliver, Jr., Esq.Objection to Amended Schedules/DisclosureContinued
7/15/2020 9:00 am
Total Paid In: $45,299.00
***Case being transferred to CMG and adj to 7/15/20 (dm)****

Trustee obj<>ATTY AMENDED SCHEDULES/DISCLOSURE DOC #79
--disclosures were completely different EDC
Matter ResolvedRequest
Adjourment
336/24/2020 9:00 am18-24546 / MBKJAMES J CERBONE, ESQMotion Relief from Stay (Fee)Continued
7/22/2020 9:00 am
Total Paid In: $17,136.00
nfa
Debtor obj<>LAKEVIEW LOAN SERVICING (MCCABE)
Matter ResolvedRequest
Adjourment
346/24/2020 9:00 am18-28541 / MBKRUSSELL L LOW, ESQCreditor Certification of DefaultSettled / ResolvedTotal Paid In: $23,340.00
HONDA ( Morton)
Matter ResolvedRequest
Adjourment
366/24/2020 9:00 am18-32038 / MBKLAURENCE R SHELLER, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
AR ATTY TO ADVISE OF EFFORTS MADE TO GET MOD -adj from 6/16
Debtor obj<>FAILED TO LM BY 8/1/19--adj several times since February
Matter ResolvedRequest
Adjourment
356/24/2020 9:00 am18-32038 / MBKLAURENCE R SHELLER, ESQApplication to Terminate Loss MitigationGranted
Debtor obj<>WILMINGTON SAVINGS APP TO TERMINATE LOSS MIT (Phelan)
Matter ResolvedRequest
Adjourment
376/24/2020 9:00 am19-11313 / MBKANDREW J KELLY, ESQMotion Relief from Stay (Fee)GrantedTotal Paid In: $30,696.00
FORD MOTOR CREDIT (MORTON)
Matter ResolvedRequest
Adjourment
386/24/2020 9:00 am19-12677 / MBKVERA FEDOROFFMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $12,296.00
Debtor obj<>WILMINGTON SAVINGS (RAS)
Matter ResolvedRequest
Adjourment
396/24/2020 9:00 am19-12732 / MBKFREDERICK J SIMONMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $3,360.00
CENLAR (PHELAN)
Matter ResolvedRequest
Adjourment
406/24/2020 9:00 am19-14630 / MBKPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $10,469.00
SV/CARRINGTON #9-1; FAILED TO ADDRESS LATE FILED CLM NJ DIV TAX #14-1; SCHEDULE C DOES NOT PROVIDE FOR AN EXEMPTION ON LAWSUIT PROCEEDS
Matter ResolvedRequest
Adjourment
416/24/2020 9:00 am19-16584 / MBKAndrew Thomas Archer Motion Relief from Stay (Fee)Continued
7/22/2020 9:00 am
Total Paid In: $5,200.00
Debtor obj<>NAT'L MTG/MR. COOPER (RAS)
Matter ResolvedRequest
Adjourment
436/24/2020 9:00 am19-16636 / MBKJustin M. Gillman, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $6,361.00
AMT: MP 6/24<> HR

Debtor obj, filing MP
Matter ResolvedRequest
Adjourment
426/24/2020 9:00 am19-16636 / MBKJustin M. Gillman, Esq.Creditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $6,361.00
FYI:MK: TR Cert on this case W/D. MP on HR. Debtor atty says has Stip/Order Settling Cert of default submitted to Chambers 6/18/20.

---5 trustee payments arrears LP in Jan--adding $160K in arrears would need at least $3400 going forward
BSI (Stern & E)( tr arrears )
order LM by oct 2019-default on post-gillman wants to propose MP to pay 160k in pre pet arrears
Matter ResolvedRequest
Adjourment
446/24/2020 9:00 am19-16845 / MBKFRANCIS P CULLARI, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/28/2020 9:00 am
Total Paid In: $2,250.00
filed motion to approve loan mod EDC

Debtor obj, in trial period ending 5/1/20<>FAILED TO LM BY 9/8/19
Matter ResolvedRequest
Adjourment
456/24/2020 9:00 am19-17248 / MBKWilliam H. Oliver, Jr., Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $5,312.00
MTN TO MODIFY ONEMAIN CLM #7-1 TO SECURED CLM OF $7,830
Matter ResolvedRequest
Adjourment
466/24/2020 9:00 am19-17681 / MBKWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $2,360.00
***Per Atty, opposition withdrawn***


AMT: MP 6/24*** RECOMMEND DENIED***<<<>>>
Debtor obj, *atty advised special counsel does not need to be retained;
AR ATTY NEEDS TO EXPLAIN
filing MP to address LM provision; <>FAILED TO RETAIN SPECIAL COUNSEL FOR PI WITHIN 30 DAYS OF 9/25/19 CONF; FAILED TO LM BY 11/16/19, EXTENDED LOSS MIT EXPIRED 3/9/20; FAILED TO FILE ORDER RESOLVING BOA OBJ TO CONF WITHIN 45 DAYS OF CONF
Matter ResolvedRequest
Adjourment
476/24/2020 9:00 am19-18028 / MBKJOHN ZIMNIS, ESQMotion Relief from Stay (Fee)GrantedTotal Paid In: $10,530.00
HYUNDAI LEASING (MORTON)
Matter ResolvedRequest
Adjourment
486/24/2020 9:00 am19-21688 / MBKGeorge E Veitengruber IIIMotion Relief from Stay (Fee)Continued
8/4/2020 9:00 am
Total Paid In: $6,224.00
Debtor obj<>SHELLPOINT MTG (MCCALLA RAYMER)
Matter ResolvedRequest
Adjourment
496/24/2020 9:00 am19-22230 / MBKLEE M PERLMAN, ESQMotion Relief from Stay (Fee)Continued
7/8/2020 9:00 am
Total Paid In: $9,539.00
Debtor obj<>PHH MTG (RAS)
Matter ResolvedRequest
Adjourment
506/24/2020 9:00 am19-25229 / MBKCANDYCE I SMITH-SKLAR, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/8/2020 9:00 am
Total Paid In: $2,024.00
AMT: MP 7/8<<>>
will send 1500 in money orders
Debtor obj<>SV/COMMUNITY #1-1 (stay reinstated); ARREARS (atty has $1,500); FAILED TO AMEND I/J & PROVIDE UPDATED POI TO TRUSTEE BY 11/23/19 (still has not addressed)
Matter ResolvedRequest
Adjourment
516/24/2020 9:00 am19-27507 / MBKPRO SEMotion Relief from Stay (Fee)Order to be Submitted
ADJ to 6/24/20 Peremptory
Debtor obj<>SPECIALIZED LOAN (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
526/24/2020 9:00 am19-27730 / MBKDaniel Straffi, Esq.Motion Relief from Stay (Fee)Continued
7/22/2020 9:00 am
Total Paid In: $3,500.00
Debtor obj<>CARRINGTON MTG (PHELAN)
Matter ResolvedRequest
Adjourment
536/24/2020 9:00 am19-27882 / MBKCAMILLE J KASSARMotion CompensationGrantedTotal Paid In: $12,787.00
OK EDC- $1167.50 fee
Matter ResolvedRequest
Adjourment
546/24/2020 9:00 am19-29245 / MBKFREDERICK J SIMONMotion Relief from Co-Debtor StayGranted
WILMINGTON SAVINGS (RAS)
Matter ResolvedRequest
Adjourment
556/24/2020 9:00 am19-29783 / MBKJ. Todd MurphyMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $4,393.00
Debtor obj<>WILMINGTON SAVINGS (HILL WALLACK)
Matter ResolvedRequest
Adjourment
566/24/2020 9:00 am19-30263 / MBKDAVID E. SHAVERMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToGranted
AMT: THIS IS MOOT - APOC #1-3 removed 2016 & 2017<<<>>><>
MTN TO MODIFY IRS CLM TO $0 FOR 2016 & 2017 TAXES
Matter ResolvedRequest
Adjourment
576/24/2020 9:00 am19-30353 / MBKDaniel Straffi, Esq.Motion to Extend Loss MitigationContinued
7/8/2020 9:00 am

Select Portfolio obj (Milstead)<> MTN TO EXTEND LOSS MIT
Matter ResolvedRequest
Adjourment
586/24/2020 9:00 am19-30542 / MBKSCOTT D SHERMAN ESQMotion SellGranted
15 SIDNEY STREET
Matter ResolvedRequest
Adjourment
596/24/2020 9:00 am19-31438 / MBKDONALD C GOINS, ESQMotion Relief from Stay (Fee)Continued
7/22/2020 9:00 am
Total Paid In: $5,158.00
Debtor obj<>MIDFIRST BANK (GROSS POLOWY)
Matter ResolvedRequest
Adjourment
606/24/2020 9:00 am19-31875 / MBKSTEPHANIE RITIGSTEINMotion Relief from Stay (Fee)Order to be Submitted
Debtor obj<>WELLS FARGO BANK (RAS)
Matter ResolvedRequest
Adjourment
616/24/2020 9:00 am19-32909 / MBKBRANDON L MARTIN, ESQMotion Relief from Co-Debtor StayContinued
7/28/2020 9:00 am
Total Paid In: $3,515.00
THE BANK OF NEW YORK MELLON (MCCALLA)
Matter ResolvedRequest
Adjourment
626/24/2020 9:00 am19-32917 / MBKDaniel E. Straffi Motion Relief from Co-Debtor StayWithdrawn
Debtor obj<>WELLS FARGO BANK (PHELAN)
Matter ResolvedRequest
Adjourment
636/24/2020 9:00 am19-32917 / MBKDaniel E. Straffi Motion Relief from Co-Debtor StaySettled / Resolved
Debtor obj<>LINCOLN AUTO (MORTON)
Matter ResolvedRequest
Adjourment
646/24/2020 9:00 am19-32992 / MBKAndrew Thomas Archer Motion Relief from Stay (Fee)Settled / ResolvedTotal Paid In: $2,654.00
Debtor obj<>SPECIALIZED LOAN (KML)
Matter ResolvedRequest
Adjourment
676/24/2020 9:00 am19-33292 / MBKWilliam H. Oliver, Jr., Esq.Order Shorten TimeWithdrawn
Hold for Judge at 2 PM - Pluese Becker to appear for creditor

OST - Motion to Vacate Dismissal
*1. As of 6/11/20, debtor owes $3,192
*2. IRS priority/unsecured claim is estimated (PRIORITY OKAY/UNSECURED STILL ESTIMATED)
3. State of NJ priority claim is estimated (AMENDED - OKAY)
4. Plan proposes to pay $30,844 to HSBC/JP Morgan - no claim filed (POC HAS BEEN FILED)
5. Trustee OBJ::
- Need updated CMA - no realtor cover page (RECEIVED)
* Amend Sch I to add rental income from parking spaces (UNRESOLVED).
- Income verifies higher($8,251) than scheduled ($8,100) resulting in $2,140 disposable income
Matter ResolvedRequest
Adjourment
666/24/2020 9:00 am19-33292 / MBKWilliam H. Oliver, Jr., Esq.Motion Motion (Generic) - Only use if no other event is applicableMoot
MTN TO AMD POC #1 DEPT OF TREASURY
Matter ResolvedRequest
Adjourment
656/24/2020 9:00 am19-33292 / MBKWilliam H. Oliver, Jr., Esq.Objection to IRS Proof of ClaimMoot
DEBTOR OBJ TO IRS POC
Matter ResolvedRequest
Adjourment
686/24/2020 9:00 am20-10228 / MBKANDREW J KELLY, ESQMotion Relief from Co-Debtor StayMoot - Dismissed
KONDAUR CAPITAL CORP (WARREN JONES)
Matter ResolvedRequest
Adjourment
696/24/2020 9:00 am20-10265 / MBKROBERT C NISENSON ESQMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
7/8/2020 9:00 am

Trustee Obj
Matter ResolvedRequest
Adjourment
706/24/2020 9:00 am20-10332 / MBKJOHN J HOPKINS, IIIMotion Dismiss CaseOrder to be Submitted
granted with ability to convert to 11

OST/ USA TAX DIVISION MTN TO DISMISS--109 unsec claim over debt limit, adversary filed
Matter ResolvedRequest
Adjourment
726/24/2020 9:00 am20-10392 / MBKEdward Hanratty, Esq.Hearing Scheduled (Document)Withdrawn
DUP FILING --TRUSTEE OBJ TO AMD SCH C, DOC #48
Matter ResolvedRequest
Adjourment
716/24/2020 9:00 am20-10392 / MBKEdward Hanratty, Esq.Objection to Debtor Claim of ExemptionsMoot
new sched filed 6/22

TRUSTEE OBJ TO AMD SCH C, #48, EXCESSIVE 522(d)(5); EQUITY ON BANK ACCOUNTS
Matter ResolvedRequest
Adjourment
736/24/2020 9:00 am20-10503 / MBKDaniel Straffi, Esq.Motion Relief from Co-Debtor StayContinued
8/18/2020 9:00 am

Debtor obj<>SPECIALIZED LOANS (PHELAN)
Matter ResolvedRequest
Adjourment
746/24/2020 9:00 am20-11483 / MBKROBERT C NISENSON ESQMotion Motion (Generic) - Only use if no other event is applicableOrder to be Submitted
-needs an amended order. The submitted order has stay relief language. EDC

MTN FOR TELPHONIC 341
Matter ResolvedRequest
Adjourment
756/24/2020 9:00 am20-12729 / MBKVeer P Patel Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
7/8/2020 9:00 am

---Per att submitted all missing docs

Trustee Obj
Matter ResolvedRequest
Adjourment
766/24/2020 9:00 am20-13099 / MBKWilliam H. Oliver, Jr., Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGranted
MTN TO EXPUNGE ACAR CLM #3
Matter ResolvedRequest
Adjourment
776/24/2020 9:00 am20-13452 / MBKWilliam H. Oliver, Jr., Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Withdrawn
Trustee objection
* D because no payments. $2000 in arrears and the following:
* Objection filed by US Bank/PHH Mortgage (RAS Citron) - debtor filed a sale plan but has provided no evidence of efforts to sell the property.
- Need proof of 2 month's income - (updated-debtor is looking for new job due to COVID crisis (NOT RECEIVED)
- Schedule J does not include mortgage payment (NOT AMENDED)
Matter ResolvedRequest
Adjourment
786/24/2020 9:00 am20-14236 / MBKStephen M. Zullo Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO PAY NJ DIV TAX PRIORITY CLM OF $303 IN PLAN
Matter ResolvedRequest
Adjourment
796/24/2020 9:00 am20-14280 / MBKROBERT C NISENSON ESQMotion Motion (Generic) - Only use if no other event is applicableOrder to be Submitted
Needs amended order. Order contains stay language. MTN FOR TELEPHONIC 341
Matter ResolvedRequest
Adjourment
806/24/2020 9:00 am20-16905 / MBKYAKOV RUDIKHMotion Impose Automatic StayContinued
7/8/2020 2:00 pm

Citadel Funding obj (Tarter Krinsky)<>MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
816/24/2020 9:00 am20-17107 / MBKDONALD C GOINS, ESQMotion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
826/24/2020 9:00 am20-17187 / MBKLAURENCE R SHELLER, ESQMotion Extend TimeGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
836/24/2020 10:00 am17-16592 / MBKJAMES J CERBONE, ESQConfirmation Hearing on Modified PlanWithdrawnDebtor has made 33 of 40 required payments   Arrears: $3,837.00  Total Paid In: $23,973.00
6/17 workup for the 6/24 calendar

-trustee also has CNP on for 7/28 plan arrears
* Trustee obj:
-plan reduces amount to gucs from 18746 to 6000 in nonexempt-trustee objection
-plan includes payment to Leisure Knoll again but still no claim filed. Cannot pay
-no I & J and updated POI
Matter ResolvedRequest
Adjourment
846/24/2020 10:00 am17-17719 / MBKJOSEPH J MANIA III ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 28 of 39 required payments   Arrears: $0  
Total Paid In: $33,111.00
6/15 workup AR ADJ PER CHAMBERS same as 6/2 calendar

$31,909.08 paid then $1201 x 22 beg 7/1/20 pro rata-use trustee order of distribution-OTBS in 30 days reinstating stay for Wells with debtor to pay post petition arrears outside of the plan-OTBS 30 days with Wells Fargo for trustee to pay pre-petition arrears

As of 5/12/20 (DS): Debtor attorney requested adjournment to date for motion to reconsider stay. Adjourned peremptory, no further adjournments, all parties must appear at next hearing, if not resolved.

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

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

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

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

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

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

MP Prop $1,201.76 x 27 Base - Increase payments to cover post petition mortgage arrears.
Matter ResolvedRequest
Adjourment
856/24/2020 10:00 am17-26551 / MBKFawn B. Dyer Confirmation Hearing on Modified PlanWithdrawnDebtor has made 33 of 35 required payments   Arrears: $2,803.00  Total Paid In: $48,717.00
6/16 workup for the 6/24 calendar

* plan says $1472 x 31 beg 9/1/17 then $0 monthly for 5 months beg 5/1/20
* Modified plan does not mention treatment of Residential Mortgage, Americredit or LVNV (can't just be in part 9 of the plan)
* debtors need to have plan with 36 minimum trustee payments. Only made 32 and wants to pay $0 going forward
* needs trustee order of distribution
* No amended I & J filed
* No updated proof of income or 2019 tax returns filed
CNP - SV Residential Mortgage on 2/2/20 and arrears
Matter ResolvedRequest
Adjourment
06/24/2020 10:00 am18-20064 / CMGWilliam H. Oliver, Jr., Esq.AP Summons IssuedJudge to Reserve DecisionTotal Paid In: $3,280.00
***CMG***
AMT: JOINT SCHEDULING ORDER<<<>>>


AP 18-1516 SPERRY VS. DUETSCHE BANK
Matter ResolvedRequest
Adjourment
866/24/2020 10:00 am18-21360 / MBKYAKOV RUDIKHConfirmation Hearing on Modified PlanConfirmedDebtor has made 33 of 25 required payments   Arrears: $1,100.00  Total Paid In: $36,168.00
As of 6/23/20 (DS): Confirm at $36,168 paid, $1,110 x 60 months begin 7/1/20 100% to gucs with a minimum dividend $9,222.47, due to non-exempt equity on real property


1. Emailed Debtor attorney, income seems to be picking up for Debtor in the month of May, also plan has 61 months, not sure if extending months to 80. Per email from Debtor attorney, Debtor has returned to work and plan has been extended.

MP Prop $1,110 x 61 Base - Due to Covid-19 Pandemic Debtor's income has decreased and extends plan.
Note: Amended Sched I & J filed, income and 2019 tax return provided.
Matter ResolvedRequest
Adjourment
876/24/2020 10:00 am18-22380 / MBKHENRY CHUDZIK, JR.Confirmation Hearing on Modified PlanConfirmedDebtor has made 33 of 25 required payments   Arrears: $477.00  Total Paid In: $15,846.00
6/16 workup for the 6/24 calendar EDC
***CONFIRM AT: $15846 paid then $477 x 50 beg 7/1/20(74 mos plan)-100%-MIN $124,000 TO GUCS DUE TO NE EQUITY--NE PROCEEDS PI***

* Trustee has filed 3 certs of default on this case
*4 payments arrears $3336-no payments since April

-Plan proposes $317 (due to COVID shutdown going forward) but it needs $663 x 36 remaining. Would need to extend months but debtor did not request additional months. If I extend for 50 more months it could ***CONFIRM AT: $15846 paid then $477 x 50 beg 7/1/20(74 mos plan)-100%-MIN $124,000 TO GUCS DUE TO NE EQUITY--NE PROCEEDS PI***
Matter ResolvedRequest
Adjourment
886/24/2020 10:00 am18-22440 / MBKDANIEL L. REINGANUMConfirmation Hearing ScheduledConfirmedDebtor has made 49 of 25 required payments   Arrears: $440.00  Total Paid In: $21,391.00
6/15 workup for the 6/24 calendar EDC

AR NO CERT IN SUPPORT OF CARES ACT (filed)
-Needs to be pro rata and needs to include income update and certification in 6 months

***CONF AT: $21391 paid then $440 x 36 beg. 7/1/20-pro rata-debtor to provide updated proof of income and certification in 6 months


-plan reduces income due to fiance not working per COVID. Need a certification averring to those facts as verification.
-fee app to be filed in 10 days
-need updated POI and I & J in 6 months
MP paid then $440 x 38 beg 4/120
Matter ResolvedRequest
Adjourment
896/24/2020 10:00 am18-29961 / MBKWILLIAM S WOLFSON, ESQConfirmation Hearing on Modified PlanWithdrawnDebtor has made 18 of 21 required payments   Arrears: $712.00  Total Paid In: $12,839.00
Per Wolfson email he wants to change terms of MP and will need to withdraw this plan. EDC
Matter ResolvedRequest
Adjourment
906/24/2020 10:00 am18-33912 / MBKMAUREEN VELLAConfirmation Hearing on Modified PlanContinued
8/26/2020 10:00 am
Debtor has made 13 of 19 required payments   Arrears: $7,081.00  Total Paid In: $28,018.00
Updated income uploaded 6/19/20 - ADJ to 8/26/20

ISSUES AS OF 6/17/2020 (DM):

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


Confirmed Case: $1,220 Ptd, $2,172 x 56 start 5/1/19, Base Plan
Prop. MP: Ptd, $1,269 x 47 start 3/1/20, Base Plan, Trial Mod received
PTD = $26,748.50
Last Claim (3-2) dated 3/4/19
Matter ResolvedRequest
Adjourment
916/24/2020 10:00 am19-14483 / MBKKevin Fayette, EsqConfirmation Hearing on Modified PlanConfirmedDebtor has made 8 of 16 required payments   Arrears: $1,495.00  Total Paid In: $11,250.00
AS OF 6/18/2020 (at):

RECOMMEND: $11,250 PAID TO DATE, $1,495 X 40 BEGINNING 7/1/2020, 100% TO GUC'S
(increase due to trustee payment arrears of $3,600)

MP proposes: $807 x 13, then $1,290 x 47 beginning 5/1/2020, 100% to guc's (Debtor resolved a Certfication of Default filed by the mortgage company. The remaining arrears in the amount of $7,737.38 to be paid directly in Debtor's plan.)
Payments: 12/15, arrears $3,600
Matter ResolvedRequest
Adjourment
926/24/2020 10:00 am19-16636 / MBKJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 2 of 15 required payments   Arrears: $2,700.00  Total Paid In: $6,361.00
As of 6/18/20(mk):


**CAN REC CONFIRM AT $6,361 PTD, THEN $2,761 X 70 BEGIN 7/1/20; 100%;Fee App w/in 7 days of confirming order.
Plan extended to total of 84 mos under Cares Act.***


MP proposes PTD, Then 2,761 x 71, begin 6/1/20:100%. Plan extended to 84 mos/Cares act.
Plan has run 14 mos so 70 remain
Matter ResolvedRequest
Adjourment
936/24/2020 10:00 am19-17681 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanMoot - DismissedDebtor has made 8 of 15 required payments   Arrears: $1,113.00  Total Paid In: $2,360.00
As of 6/18/20(mk):

1. TR Motion to Dismiss on 6/24/20.

3. Trustee Objection:
-Debtor is in arrears $830.
- all distributions in this case thus far have been to the atty.
-Plan has LM & 0%. NO. 14 mos in and No LM.
-Loss Mit was terminated in march 2020
-Plan is not feasible.
-need status of PI case.

2. Objection by Bank Of America(Parker McCay):
- Bad faith. case over 1 yr old ,NO LM. Loss Mit Terminated(Order 3/17/20)
- This MP tries to further extend LM date.


MP proposes 250 x6 0,0%.LM 40 Shore Ave by 11/30/20.
Plan has run 14 mos & 46 remain.

Prior Conf Terms:CONFIRMED 9/25/19 - $750 PTD (5 MOS) $264 X 55 MOS BEG 10/1/19; BASE $15,270 NE PROCEEDS FROM PI SUIT; ATTY FEE $3160/$4750; LOAN MOD W/ BOA BY 11/16/19(OK TO PAY ARREARS); OTBS BY BOA W/IN 45 DAYS OF CONF; SPECIAL COUNSEL FOR PI SUIT MUST BE RETAINED W/IN 30 DAYS OF CONF; DEBTOR MUST ENROLL IN EWAGE W/IN 30 DAYS OF CONF.
Matter ResolvedRequest
Adjourment
946/24/2020 10:00 am19-17917 / MBKVeer P Patel Confirmation Hearing on Modified PlanContinued
8/4/2020 10:00 am
Debtor has made 12 of 15 required payments   Arrears: $829.00  Total Paid In: $9,576.00
AS OF 6/18/20 (SF)


1. Objection filed by Bank of America (Caine) - OTBS to pay arrears of $36,006.74
2. Need amended schedules I and J
3. Previous plan was confirmed at 100% w/min dividend of $51,361 to gucs and student loans outside.
4. Trustee objection:
It appears that debtor is seeking an extension of plan duration under the CARES Act. However,
said Act does not provide an automatic right to extend plan duration to 84 months. Debtor must
establish that he or she is experiencing a "material financial hardship" as a result of the
COVID-19 pandemic. Debtor has not provided sufficient evidence on why an extension of plan
duration is justified. Based upon the foregoing, Confirmation should be denied unless debtor files
a COVID-19 Certification in support of the Modified plan that provides sufficient evidence to
establish that debtor has suffered a material financial hardship as a result of COVID-19.



MP proposes $605 x 9, $826 x 4, $0 x 4, $68 x 571
Plan has run 14 months and proposes to extend for 70 more months
Arrears: $829
Matter ResolvedRequest
Adjourment
956/24/2020 10:00 am19-26420 / MBKWARREN HAREConfirmation Hearing ScheduledDismissedDebtor has made 10 of 11 required payments   Arrears: $0  

Debtor is now current
Debtor received a 3-month Trial Mod starting 3/1/20 which has been extended to 9/1/20
AS OF 6/19/2019 (at):

1. Objection filed by US Bank (Milstead) - failure to cure arrears of $275,616.07 (Per POC).

2. First Franklin Mortgage filed a secured arrears claim #4 in the amount of $32,929.05 which is not in the plan. Is it ok to pay this claim?

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Domestic Support Obligation information. (RECEIVED)
- A copy of the homeowner's insurance renewal declaration. (RECEIVED)
- Amendments to Schedules C to correct exemptions for WC claim and PI claim. (NOT AMENDED)
The Schedules fail to account for the debtor(s) tax refund in the amount of $3,556.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Special counsel in PI case needs to be appointed. (NOT APPOINTED)
- Add to confirming order any non exempt proceeds from PI suit are to be paid to the Trustee. (LANGUAGE ADDED)
- Order of distribution is trustee standard order. (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION)
- Must address objection by US Bank. (UNRESOLVED)

Plan proposes: $50 x 36, base, loan mod within 6 months of confirmation
Payments: 6/10, arrears $200 (last payment made in February, 2020)
Matter ResolvedRequest
Adjourment
966/24/2020 10:00 am19-27394 / MBKAndrew Thomas Archer Confirmation Hearing ScheduledWithdrawnDebtor has made 12 of 10 required payments   Arrears: $2,115.00  
***Per Atty - filed a MP to remove the cure and replaced it with a Loan Mod, and increased treatment to gucs to 100%***

AR RESOLVE OR HOLD
ISSUES AS OF 6/17/2020 (DM):

 6/16/20 - Spencer Savings Bank obtained stay relief.

1) State of NJ filed $26,647.76 priority claim that includes estimated taxes for 2016 - 2018 (AMENDED TO $0).

2) State of NJ filed $4,719.96 secured claim not treated in plan (OKAY TO ADD??)

3) IRS filed a higher priority claim at $4,883.44 and higher secured claim at $12,016.44 (OKAY TO PAY PER POC??)

4) Spencer Savings Bank filed a higher amended arrears claim at $37,545.56 (OKAY TO PAY??)

5) Plan provides $15,111 secured treatment to US Bank Cust - no POC filed (STRIKE??)

6) Trustee OBJ:
- Debtor has insufficient income.
- IRS, State and Mtg claims are substantially higher than proposed plan (AR, PER ATTY, MTG CLAIM TO BE REDUCED).
- Need certification regarding 2018 inheritance (UNRESOLVED).
- Need a MP that increases trustee payment to cure mortgage arrears of $57,002.
- Need to resolve ESTIMATED CLAIM by NJ Division of Taxation (UNRESOLVED).


Prop. Plan $814 x 60, 0% Plan
PTD 7/9 = $5,698
Last Claim (1-2)
Matter ResolvedRequest
Adjourment
986/24/2020 10:00 am19-27507 / MBKPRO SEConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 9 of 10 required payments   Arrears: $100.00  
To file MP by 7/8 EDC

AR RESOLVE OR HOLD
ISSUES AS OF 6/17/2020 (DM): Nothing has changed

 4/24/20 - Gavin Stewart, Esq represents SLS on the MFR and advises that the mtg co needs more docs to keep the Loan Mod review going. KML represents SLS on the confirmation objection and she can agree to an adjournment to 6/24/20.---trustee to not pay arrears pending loan mod-LM date by 9/30/20 OTBS

 4/22/20 - Email sent to Pro Se debtors regarding Court Solutions sign-up.

1) Morgan Stanley/US Bank/SLS (KML) OBJs - $77,483.01 arrears and Motion for Relief is pending (UNRESOLVED).

2) Current Plan does not have treatment to creditors completed in Part 5a - Debtors must file a modified plan with the "Notice Required" box checked on Page 1 (UNRESOLVED).

3) Trustee OBJ:
- Debtors have insufficient income.
- The $4,340 tax refund was not prorated & included in disposable income calculation (MOOT BASED UPON VERIFIED INCOME).
- Need proof of car insurance for all 4 cars - policy provided expired in May (RECEIVED - OKAY).
- Need amended Sch B to add 2006 Chrysler & 2003 Dodge Ram (RESOLVED).
- Need amended Sch C to exempt equity in property using Code 522(d)(1) in the amount of $25,150 (RESOLVED).
- Need to file Pre Confirmation Certification (UNRESOLVED).
- Need to vest property at confirmation and use Trustee standard order of distribution.


Prop. Plan $100 x 36, ??? Plan, Loan Mod by 11/2019
PTD 8/9 = $800
Last Claim (23-1)
Matter ResolvedRequest
Adjourment
996/24/2020 10:00 am19-27686 / MBKLEE M PERLMAN, ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 9 of 10 required payments   Arrears: $0  

ISSUES AS OF 6/17/2020 (DM): - PER ATTY, OK TO DISMISS-HOLD FEES

1) Santander Bank 1st Mtg (Phelan) OBJs - $61,466.47 arrears (UNRESOLVED).

2) Santander Bank 2nd Mtg (Gross McGinley) OBJs - $24,567.67 arrears (UNRESOLVED).

3) Trustee OBJ:
- There is $36,977.26 non-exempt equity in real estate - plan must remain 100%.
- Need to file Pre Confirmation Certification (UNRESOLVED).


Prop. Plan $300 x 36, 100% Plan, sale/refi within 9 months
PTD 9/9 - $2,700
Last Claim (13-1)
Matter ResolvedRequest
Adjourment
1006/24/2020 10:00 am19-28312 / MBKBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 10 required payments   Arrears: $0  
Total Paid In: $3,780.00
6/23
Conf terms would be $2880 paid then $900 x 51 beg 7/1/20 pro rata with of $31,012 to gucs-OTBS with Pentagon In 30 days amended POC

4/3 workup for 4/14-----Despite large disposable income only $13,000 in unsecured filed so if Pentagon(taxi medallion) objection resolved we can confirm.
*Pentagon claim is over $500k so we would set up as balance as unsecured claim upon surrender.

Compromise of Conf terms would be $2880 paid then $900 x 51 beg 7/1/20 pro rata with of $31,012 to gucs-OTBS with Pentagon In 30 days amended POC



>>>Need To Resolve creditor objection and excess dispos income per Trustee objection<<<

1. Objection By Pentagon Fed'l Credit Union(Vedder Price(P.C.)
-objects to surrender of taxi cab medallion

3. Trustee Objection:
-debtor not paying all disposable income into the plan. 122c has dispos. income $734.58, which requires min. div. $44,074.80 to gucs.
-Schedule I & J show disposable income $2,282.16 and per proof of income=disposable income $2,116.45. Minus the soc. sec. income ,the dispos income is $1,012.If you look at more recent income form debtor for Uber(Sept & Oct) it is even higher so plan payment has to go up due to excess dispos income.
-There is non-exempt equity on real property $16,750.36
-Need more Uber income statements for Aug. & Sept 2019.(Provided- gross for 2 mos =1706. So even net income is more that when case was filed.
-need to Amend Form 122c to remove 29 year old son as a dependent.(Not done).
-need Business forms - Taxi Medallion.(Plan surrenders it)


Proposed plan:320 x 60 BASE
payments:4/4
last claim:3-1, bar date 12/5/19
Matter ResolvedRequest
Adjourment
1016/24/2020 10:00 am19-28680 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
8/26/2020 10:00 am
Debtor has made 9 of 9 required payments   Arrears: $0  

AS of 6/23/20(mk):updated status from atty.

1. Per Plan claim(2,513) for Maplehurst Farm Home Owners Assoc'n.-Bar date Past- NO Claim Filed- STRIKE? OR File Claim & Motion?(PER ATTY -STRIKE)

2. Objection By US Bank( Romano):( Atty :new servicer=Rushmore- they consent to adj)
- plan fails to pay arrears
-plan not feasible(LM).

3. Trustee Objection:
- Plan has LM by 6/1/19- obvi. error- NO Loss MIT has been applied for in case yet?( atty says -date error-LM application has to be refiled w/ Rushmore ,the new servicer and needs MP to extend LM.
-need bank statements for Bank of America account.( will upload today)
-PLAN NEEDS TO BE 100% based on below NE Equity.
Bar Date Passed- GUC claims = $2,632.76- PERSERVE NE EQUITY T/H $35,209.80
-There is 2,775 non-exempt equity in 2008 Chevy Impala.
-There is $11,300 non-exempt equity in Nissan Altima.
- There is $21,134.50 non-exempt in real estate.
- Needs TR Order of Distribution.


Plan:200/36, LM: 74 AZELEA PL BY 6/1/19?? BASE
payments:8/8
last claim:4-1, bar date:12/10/19
Matter ResolvedRequest
Adjourment
1026/24/2020 10:00 am19-28829 / MBKTHOMAS J ORR ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 9 required payments   Arrears: $991.00  Total Paid In: $2,810.00
6/15 workup for the 6/24 calendar EDC

PER AR OK TO CONF AMOUNT WOULD BE $2810 PAID THEN $991 X 52-100%-EWAGE IN 10 DAYS

MP and Order with BMW within 30 days - ADJ to 6/24/20***
4/15 workup***Atty has proof that $1,880 is in transit - adj to 4/28/20***received but NOW 3 PAYMENTS IN ARREARS AGAIN-4th TIME THERE ARE PAYMENT ISSUES---REC DISMISSAL OR EWAGE
***EWAGE CONF AMOUNT WOULD BE $2810 PAID THEN $991 X 52-100%-EWAGE IN 10 DAYS

As of 2/7/20 (DS): 1. Debtor still in arrears $2,790, made 1 payment $930 on 12/3/19. No further payments made.

2. MFR filed for 2011 BMW, Debtor in arrears $1,095.76 for 10/19-12/27. Motion sched 2/18/20.(OTBS ON 2/18/20 BUT STILL NO ORDER)

Prop Plan $930 x 60 100%
Matter ResolvedRequest
Adjourment
1036/24/2020 10:00 am19-28842 / MBKDAVID J KHAWAMConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 5 of 9 required payments   Arrears: $4,423.00  
AR RESOLVE OR HOLD
***WAITING FOR M&T/LAKEVIEW TO PREPARE CONSENT ORDER - CASE IS WORKED UP***

ISSUES AS OF 6/9/2020 (DM): email sent to Schiller Knapp for final work-up.

***If consent order with M&T Bank/Lakeview uses the same number in the filed POC, THEN TRUSTEE CAN RECOMMEND CONFIRMATION AT $10,289 PTD, THEN $2,338 x 52 STARTING 7/1/20, MINIMUM DIVIDEND OF $1,743, OTBS WITH M&T BANK/LAKEVIEW LOAN SERVICING, TRUSTEE STANDARD ORDER OF DISTRIBUTION***

 Need consent order to pay interest to M&T Bank/Lakeview in Part 4a - amount is higher than POC.

1) Credit Acceptance MFR scheduled for 4/8/2020 - need outcome (CONSENT ORDER ENTERED).

2) Credit Acceptance (MORTON) OBJs to cram of 2009 GMC Yukon (CONSENT ORDER ENTERED).

3) M&T Bank/Lakeview Loan Servicing (SCHILLER) OBJs - $69,728.93 arrears - MP Doc #61 provides for $69,728.93 arrears with interest (TRUSTEE TO SET UP PAYMENT PER POC - IF INTEREST NEEDS TO BE ADDED, TRUSTEE NEEDS A CONSENT ORDER FOR EXACT NUMBER).

4) MP Doc #43 provides $25,768.68 pay-in-full treatment to Capital One Auto on 2016 Cadillac XTS - POC filed for $20,691.08 (MP DOC #61 PROPOSES TO PAY PER POC).

5) MP Doc #43 provides for a 10% distribution to general unsecured creditors in Part 5a and then in the "Amount to be Paid" in Part 5b represents 100% for some of the claims that were actually filed (MP DOC #61 REMOVES PART 5b TREATMENT).

6) Trustee OBJ:
- Need DSO information (RECEIVED).
- Need a copy of 2018 tax return (RECEIVED).
- Need to file Pre Confirmation Certification (FILED).
 Need a consent order with M&T Bank for AP payments to be paid by Trustee in MP Doc #61 (UNRESOLVED).
 Order of Distribution departs from Trustee standard (USE TRUSTEE, PER MP DOC #61, PART 9)

- Note - some of the plans include creditors populated in "Separately classified unsecured claims" in Part 5b with no explanation why they are separately classified and why they are receiving 10% (MP DOC #61 REMOVES SEPARATE CLASSIFICATION).


Prop. Plan Ptd, $2
Matter ResolvedRequest
Adjourment
1046/24/2020 10:00 am19-29361 / MBKFRANCIS P CULLARI, ESQConfirmation Hearing ScheduledDismissedDebtor has made 4 of 9 required payments   Arrears: $0  

ISSUES AS OF 6/17/2020 (DM):

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

 3/23/20 - Atty advises 100% plan ... working on resolving IRS claims - Adj to 6/24/20.

1) IRS filed $26,943.24 amended priority claim that includes estimated taxes for 2012 & 2016 (UNRESOLVED).

2) IRS filed $37,516.81 amended general unsecured claim that includes estimated taxes for 2013 thru 2015 (UNRESOLVED).

3) Trustee OBJ:
- Debtor not paying all disposable income into the plan. (Plan 100%).
- Form 122c has disposable income of $1,965 (Plan 100%).
- There is $2,953 non-exempt equity in bank account (Plan 100%).
- Must file Pre-confirmation certificate (UNRESOLVED).


Prop. Plan $1,105 x 60, 100% Plan
PTD 4/8 = $4,420
Last Claim (3-2)
Matter ResolvedRequest
Adjourment
1056/24/2020 10:00 am19-29362 / MBKFRANCIS P CULLARI, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 9 required payments   Arrears: $212.00  Total Paid In: $1,800.00
AS OF 6/18/20 (SF)

RECOMMEND $1600 PTD, $412 X 40 (BEGIN 7/1/20) BASE PLAN
- STANDARD ORDER OF DISTRIBUTION

Need base of $18,036

1. State of NJ filed amended estimated unsecured claim - missing 2013 and 2015 Returns (AMENDED)

2. Trustee objection:
- Verified income leaves a monthly net balance of $981.04. (I and J amended along with updated proof of income. Disposable income is now $626.58 which includes $170.17 for the Employee Loan which expired)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $884.00 when determining disposable income.

3. Standard order of distribution


Plan proposes $200 x 48 Base
Payments: 8/8

RESOLVED ISSUES:
- Capital One Auto Finance filed arrears claim for $3665.62 which is not addressed in plan (OK TO PAY?) - MP SURRENDERS
- Need to file Pre-Confirmation Certification. (FILED)
- Need a statement for the Employee Loan deduction. (STATEMENT PROVIDED DOES NOT STATE WHAT TYPE OF LOAN THIS IS FOR. DEDUCTION WILL BE ADDED BACK AS INCOME)--loan ded ends in april so ok to add per att.
Matter ResolvedRequest
Adjourment
1066/24/2020 10:00 am19-29406 / MBKLEONARD R BOYERConfirmation Hearing on Modified PlanDismissedDebtor has made 8 of 9 required payments   Arrears: $0  

ISSUES AS OF 6/17/2020 (DM):

***No proof of insurance with liability coverage - RECOMMEND DISMISSAL***

1) Provident (POWERS) OBJs - $53,683.49 arrears (UNRESOLVED).

2) Travelers filed a secured claim (2012 Volvo Truck) not treated in the plan (UNRESOLVED).

3) Need to file Pre Confirmation Certification (FILED).

4) Trustee OBJ:
- Need copy of homeowners insurance with liability coverage (UNRESOLVED).
- Need amended Sch C to exempt equity in real estate.
- Excessive Expenses: $1,000 attorney fees.
- There is $200,149 non-exempt equity in real estate - need 100% plan.


Prop. Plan $400 x 60, Base Plan, Loan Mod by 7/2020
PTD 8/8 = $3,200
Last Claim (13-1)
Matter ResolvedRequest
Adjourment
1076/24/2020 10:00 am19-29716 / MBKCarlos D Martinez Confirmation Hearing ScheduledWithdrawnDebtor has made 21 of 9 required payments   Arrears: $3,133.00  
6/16 workup for the 6/24 calendar EDC
STILL UNRESOLVED SINCE THE 4/22 calendar EDC-SEE PN

* Trustee Objection:
-need Modified Plan that surrenders time shares. Two arrearage claims filed
-plan has excessive expenses:
--$1,400/month for childcare/education(print out provided- does not match up to 1200 per month---sent updated proof shows $914 tuition plus other bill for $2400, not sure if that is monthly?- in any event per 22C only a small portion is allowable);
--$1,950/month mortgage payment (per statement it is $1,402);$400/month for home maintenance
--Verified income leaves a monthly net balance of $2,507.80.
--Reviewed the 122C, Line 16 (Taxes) should be $3,178, Line 20 (education) requires
proof/documentation, Line 25 (Health insurance) should be $454, Line 30 (additional
food/clothing expense) requires documentation. Per the 122C, monthly dispos. income is $2,469 which requires min. dividend of
$148,142 to general unsecured creditors.
-Schedules fail to account for the debtor's tax refund of $6,531.00 when determining disposable income.
-Need to file Pre-Confirmation Certification.
-No claim filed by the 2nd Discover Bank judgment. Cannot pay if no claim.

-------------------------------------------------------------
- expense of $500/month for car insurance (no vehicles on petition-(Titles provided- in spouse's name)
1. Still need to resolve estimated tax claim of IRS.
- Need a statement for his whole life insurance policy.(DONE no value)
-There is $38,949 in non-exempt equity in the North Arlington property.(plan calls for min of 42,090 so OK)



Plan:1,611/60, NOT<$42,090.83.
payments:4/4
last claim:22-1. Bar date:12/27/19
Matter ResolvedRequest
Adjourment
1086/24/2020 10:00 am19-29743 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 7 of 9 required payments   Arrears: $0  

AS OF 6/18/20 (SF) - Per atty, ok to dismiss/Hold Fees

1. Objection filed by Bank of NY Mellon (RAS Citron) - failure to pay arrears of $138,093.33. The plan proposes to pay $12,000 (PLAN IS NOT FEASIBLE) (MUST RESOLVE

Plan proposes $345 x 60 0%
Payments: 7/8 ARREARS: $345

RESOLVED ISSUES:
- 2 months bank statements from savings account with Bakers Federal Credit Union prior to filing date. (Statements provided do not identify the name of the Bank) (RECEIVED)
- Need auto insurance for vehicles. (RECEIVED)

Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - from odd job's according to Schedule I. (CERT PROVIDED THAT DEBTOR DOES NOT RECEIVE ANY MONEY FROM ODD JOBS AT AUTO REPAIR SHOP) DEBTOR'S INCOME IS NOW $172.99
Matter ResolvedRequest
Adjourment
1096/24/2020 10:00 am19-29815 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 11 of 9 required payments   Arrears: $198.00  
AS OF 6/23/20 (SF) - UPDATED ADJ to 6/24/20 Peremptory and respond to disposition list within 14 days of 5/19/20 - MP just filed and scheduled for 7/28/20

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

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

3. Trustee objection:
- There is $78,211.11 in non-exempt equity in the residence. (REQUIRES 100% PLAN)
- There is $2,523 in non-exempt equity in his bank accounts.
- correction of social security number on petition. The first 3 numbers do not match the card. (SCHEDULE AMENDED BUT NEED CERTIFICATION FROM ATTORNEY THAT THE NUMBER IS CORRECT) STILL NEED

Plan proposes $122 x 60 Base, Sale in 12 months
Payments: 7/8 Arrears: $122

RESOLVED ISSUES:
- Need updated car insurance for the 2002 Chevy. (RECEIVED)
- Need to file Pre-Confirmation Certification (FILED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (FILED AND CONTESTED) GRANTED
- Amendments to Schedules sch I to add rental income (RECEIVED)
- The debtor has undertaken an improper use of exemption. Specifically: The Debtor has exceeded the 522(d)(5) exemption. (AMENDED)
Matter ResolvedRequest
Adjourment
1106/24/2020 10:00 am19-29995 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledWithdrawnDebtor has made 7 of 9 required payments   Arrears: $134.00  
file MP by 7/1

AR RESOLVE OR HOLD
ISSUES AS OF 6/17/2020 (DM):

 5/26/20 - US Bank (PHELAN) filed a Notice of Forbearance ending 7/31/20.

1) Southridge Hill Condo Assn (McGovern Legal Svc) filed a bifurcated claim for $11,512.50 secured and $22,596.67 as unsecured. The MP proposes to cram and pay $15,000 as an unsecured claim (CONSENT ORDER ENTERED).

2) US Bank (Phelan) OBJs - plan lists a refinance in 13 months, a cure, and a cram (UNRESOLVED).

3) The MP incorrectly populates Part 7c on the cram of Wells Fargo 2nd Mtg (UNRESOLVED).

4) Trustee OBJ:
- Need proof of income for debtor with new agency for 4 months and co-debtor's new job at Rutgers 4 months (RECEIVED PROOF OF INCOME FOR DEBTOR ONLY - NEED PROOF OF INCOME FOR CO-DEBTOR).
- Need certificate of service on the Wells Fargo and Southridge Hills crams (SERVICE 2/26/20, BUT NEED A MP TO CORRECT THE CRAM ON WELLS FARGO).


Prop. Plan $1,216 Ptd, $750 x 57 start 2/1/20, Base, Refi within 13 months
PTD 8/8 = $4,966
Last Claim (5-1)
Matter ResolvedRequest
Adjourment
1116/24/2020 10:00 am19-30218 / MBKTHOMAS M MONAHAN, ESQConfirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 8 of 9 required payments   Arrears: $3,002.00  
6/15 workup for the 6/24 calendar EDC

AR RESOLVE OR HOLD --same as last time 4/22
*gotta get loan mod-filed motion to extend on 6/12/20-why did they wait almost 2 months to file?
* submitted new P&L will review---Was $27,642 in monthly income but now the P&L shows only $4000 a month in income $16068/4 which is much less than the $9988 on the petition.--The huge differences looks like bad faith. Would be negative $2500 in income.


LM extended to 5/20/20-
-minimum of $78,440 to gucs due in equity in house
>>trustee objection:
-Need bank statements for August and September for Bank of America account #8101.(ok)
-The Schedules fail to account for the debtor(s) tax refund in the amount of $5,434.00
when determining disposable income.
-The Plan fails to provide for a prompt loan modification completion date.
-Need to file Pre-Confirmation Certification.
-Updated profit and loss statements showing year to date income and expenses for RNC
Farms LLC.
The profit and loss shows $27,642 in monthly income (not $9988 per the schedules) which would require 100% to unsecured creditors. Plan would need to pay over $11,000 monthly.


3,002.35/60, LM: 4 WILLARD CT BY 10/25/20, BASE
Matter ResolvedRequest
Adjourment
1126/24/2020 10:00 am19-30444 / MBKROBERT C NISENSON ESQConfirmation Hearing on Modified PlanMootDebtor has made 5 of 9 required payments   Arrears: $18.00  Total Paid In: $2,200.00
MOOT - CASE CONFIRMED ON 5/27/2020
Matter ResolvedRequest
Adjourment
1136/24/2020 10:00 am19-30542 / MBKSCOTT D SHERMAN ESQConfirmation Hearing on Modified PlanContinued
7/28/2020 10:00 am
Debtor has made 8 of 9 required payments   Arrears: $1,500.00  
adjourned to 7/28/2020 to allow sale of real estate
Matter ResolvedRequest
Adjourment
1146/24/2020 10:00 am19-31689 / MBKCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing ScheduledContinued
8/12/2020 10:00 am
Debtor has made 8 of 8 required payments   Arrears: $0  

As of 6/14/20(mk): Per atty Adv Pro Mediation is 7/17/20.

>> NEED ADV PRO to Be RESOLVED TO SEE IF CASE IS FEASIBLE:NEED STATUS OF AP<

1. Objection by City of Trenton(Goldenberg): POC IS $47,704- ( DEBTOR FILED ADV. Pro. to Void Transfer. JT Sch. Order :discovery by 8/7/20: trial 10/15/20. Peter Broege is appt Mediator on 5/26/20)
city completed In rem foreclosure- has Judgment Tax sale.
-plan not feasible.

2. Trustee Objection:( STILL)
-need updated soc.sec. card that shows correct debtor's name( Filed doc #10- has full #- NEEDS TO BE REDACTED)
- Must file Pre-confirmation certificate.
-------------------------------------------
-need updated auto insurance, insurance expired 11/15/19.(Provided).
- need Bank statements from TD Bank checking and savings account, prior to filing dates.(Provided).
-need 2019 Tax return by 8/15/20.(Provided).
- need Valuation on 2 Hondas listed on Sch.B. (Provided W/ repair invoices-OK).

Plan:$640.69 x 60 Base
payments:7/7
last claim:12-1 bar date:1/27/20
Matter ResolvedRequest
Adjourment
1156/24/2020 10:00 am19-32126 / MBKDONALD F CAMPBELL, JRConfirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 2 of 8 required payments   Arrears: $15,520.00  Total Paid In: $6,024.00
6/22/20 - The current proof of income provided by debtors show bonuses of $5957 for debtor and $139,271 for co-debtor which were received in 2020. The Trustee is requesting proof of those pay stubs. Atty filed a Response to objection yesterday.


AS OF 6/18/20 (SF)

1. Trustee objection:
- Modified plan reduces payment and proposes to make $15,000 lump sum payment to mortgage company outside the plan instead of thru the plan.
- Need 60 days updated proof of income for period prior to filing of the modified plan (RECEIVED) Need proof of bonus income.
- Need copy of 2019 Tax Return. (RECEIVED)
- Excessive expenses on Schedule J: $350 home maintenance; $648.49 telephone; and $860 auto insurance. The expenses on Schedule J were objected to and reduced by $728 per the original Schedule J.
- The Trustee previously entered into a compromise of $2800 x 60 months for a total base of $168,000.

2. Sun National Bank was stricken from previous plan and a separate motion was to be filed by 6/13/20.

MP proposes $1614.19 x 60 $15,000 Base plan, to be paid outside plan
Plan has run 7 months with 53 months remaining
Matter ResolvedRequest
Adjourment
1166/24/2020 10:00 am19-32559 / MBKSCOTT E KAPLAN ESQConfirmation Hearing on Modified PlanWithdrawnDebtor has made 7 of 7 required payments   Arrears: $0  
Total Paid In: $9,527.00
Matter ResolvedRequest
Adjourment
1176/24/2020 10:00 am19-32603 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
8/18/2020 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $200.00  
ISSUES AS OF 6/18/2020 (DM):

***Debtor has failed to provide updated proof of homeowners insurance - RECOMMEND DISMISSAL***

1) US Bank (PARKER) OBJs - $74,982.40 arrears (UNRESOLVED).

2) Transmittal Letter and supporting documents were not referenced in the Certification of Service on the judgment crams (UNRESOLVED).

3) MP provides $0 payment for DSO through plan in Part 3b and Part 5a - Erie County Dept. of Social Services filed $49,223.50 priority claim for child support arrears that must be paid through the plan (UNRESOLVED).

4) Trustee OBJ:
- Debtor has insufficient income.
- Debtor has failed to file a feasible plan - need to pay $49,223.50 child support claim (SEE ABOVE).
- Need DSO Form for Tasha Cooper (UNRESOLVED).
- Need proof of child support payments - court order or statement from agency (POC IS FOR ARREARS ONLY).
- Need updated CMA with date and comps (UNRESOLVED).
- Need page 2 of Business Forms (UNRESOLVED).
- Need 2018 tax return for spouse (UNRESOLVED).
- Need 2019 tax returns for debtor and spouse by 8/15/20.
- Need homeowners insurance renewal on or before 5/28/20 (UNRESOLVED).
- Amend Sch B to add personal bank acct - per Bus Forms, debtor has Santander acct (UNRESOLVED).
- Need 2 months bank statements for Santander account (UNRESOLVED).
- Excessive Expenses: $1,000 food (OKAY), $1,054 support payments (POC FILED AND TO BE TREATED THROUGH PLAN).


Prop. Plan $200 x 60, Base Plan, Loan Mod by Loss Mit Order
PTD 5/6 = $1,000
Last Claim (10-1)
Matter ResolvedRequest
Adjourment
1186/24/2020 10:00 am19-32642 / MBKSTEPHEN M GOLDBERG, ESQConfirmation Hearing on Modified PlanDismissedDebtor has made 18 of 7 required payments   Arrears: $0  

ns ---
AR RESOLVE OR HOLD

6/17 workup for the the 6/24 calendar EDC
REMAINING FROM UPDATED TRUSTEE OBJ RE: BELOW

1. Objection filed by Select Portfolion/Deutsche Bank (Fein Such) - failure to cure arrears of $146,508.62 (Per POC).
2. Trustee's objection:
- The MP plan provided for $100 monthly plus $2387.79 to trustee but not paying AP to us. Still needs a MP that increases trustee payment or removes adequate protection payment. (MOD PLAN FILED - PAYMENT STILL $100)
- Verified income leaves a monthly net balance of $1411 per trustee calculation and $513 per the debtors calculation- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,298.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan fails to provide for a prompt loan modification completion date. (Original plan called for May completion and MOD PLAN STILL DOESN'T PROVIDE A LOAN MOD COMPLETION DATE)
Debtor's attorney must file a consent order with Select Portfolio for the trustee to pay the adequate protection payment. Order must specify payment amount. (NOT FILED)
-----------------------
- A current market analysis - for lot in Florida (RECEIVED)
- A copy of the homeowner's insurance renewal declaration (RECEIVED)
- Amend J to add mortgage payment. (AMENDED J ADDS THIS AND REVOVES CHILDRENS CONDO AND $300 FOR FAMILY IN BOLIVIA-RAISED FROM 2769 A MONTH TO 6272)
- Amend C to use federal exemptions.( mk: AMENDED 3/16/20(#44)-OK)
- Need to file Pre-Confirmation Certification. (FILED)
Mk:3/16/20- Amended C filed(#44)- takes (d)(5) on Fla. prop.- ok
AR REC DISMISSAL - NEED INS RENEWAL -Provided-good through 12/2020

Plan proposes: $100 x 60, base, loan mod by "to be determined"
Payments: 8/2, $600 credit
Matter ResolvedRequest
Adjourment
1196/24/2020 10:00 am19-32814 / MBKSEYMOUR WASSERSTRUM, ESQOrder Vacate Dismissal of CaseConfirmedDebtor has made 4 of 7 required payments   Arrears: $0  
Total Paid In: $4,470.00
6/24/20 (sf) updated

RECOMMEND $2980 PTD, $1016 X 54 (BEGIN 7/1/20) 100% W/MIN $33,809 TO GUCS PER EQUITY IN REAL ESTATE AND PERSONAL PROPERTY; WAGE ORDER TO BEGIN 9/15/20
- TRUSTEE STANDARD ORDER OF DISTRIBUTION

6/17 workup for the 6/24 calendar

*Where are the payments to bring case current now that it is reinstated? $2980 arrears. If not current it should be dismissed again.
(case was dismissed because debtors didnt respond to email-they thought it was going to be on HR at 100%. -Now reinstate
* If current we can confirm at 100% min of $33,809 EDC
Matter ResolvedRequest
Adjourment
1206/24/2020 10:00 am19-33052 / MBKJOHN ZIMNIS, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 7 required payments   Arrears: $500.00  Total Paid In: $2,200.00
AS OF 6/18/20 (SF)


RECOMMEND $300 X 4 (BEGIN 1/1/20); $500 X 28 (BEGIN 5/1/20 ($600 X 28 (BEGIN 9/1/22) BASE PLAN



Plan proposes $1200 ptd, $500 x 28, $600 x 28
Payments: 4/5 Arrears: $325

RESOLVED ISSUES:
- Need statements for the debtor's 401k loan and the co-debtor's pension loan. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)
- Need proof that debtor is paying $433/month is support (DEBTORS ARE SEPARATED AND DEBTOR LIVES WITH MOTHER. THIS IS RENT DEBTOR PAYS TO MOTHER. CERT PROVIDED)
Line 10 (support) requires a court order, (MOOT, THIS IS RENT)
Debtor affected by Covid-19, need to file new budget. (I and J amended income verifies lower)
Attorney filed certification in response to our objection. We only have 60 days proof of income for both debtors. His calculations are for 6 months but its a moot issue. The calculations below are based on the retirement loans which one has already expired for $621.95 and the other will expire in June of 2022 for $122.27.

Disposable income is higher per I and J. 401k loan for Mr. Kilpatrick expires on 6/8/22 and additional $122.27 will be available. Pension loan expires in 2/2020 and $621.95 will be available as of 3/1/20. (I and J amended)

1. Trustee objection:
- Verified income leaves a monthly net balance of $1139
- Reviewed the 122C, average monthly gross income is $10,330.
Line 17 (involuntary deductions) should be $423 and
Line 23 (optional phone) requires proof. Per the 122C, monthly disposable income is $1,707 which requires a minimum dividend of $102,420 to general unsecured creditors.

Matter ResolvedRequest
Adjourment
1216/24/2020 10:00 am19-33054 / MBKDONALD F CAMPBELL, JRConfirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 8 of 7 required payments   Arrears: $0  

6/15 workup for the 6/24 calendar EDC

-Needs all non-exempt from sale-over $32,000 in equity in house
* objection by TD Bank-not paying pre-pet mortgage arrears/sale plan--- trustee not paying pending sale right??---not paying per att
* Trustee Obj.:
-The debtor has insufficient income Debtor has no income..(OK current)
-Support /proof for debtor's distribution to employees per compliance regulations.(from 401k)
-Amendments to Schedules I for unemployment income and distribution form 401(k).(Done per att)
-The Schedules fail to account for the debtor(s) tax refund in the amount of $5,349.00(OK ADDED BACK)
when determining disposable income.
-There is $35,277 in non-exempt equity in the residence and in non exempt equity in his personal property.(Still even after amended C-improper 522(n) exemption for Ameritrade account)
- Trustee recommends case be dismissed pursuant to section 109(e) as the debtor is not
an individual with regular income.(OK get UC)
- proof of unemployment income & proof of distribution income from 401(k).(RECEIVED)

-Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan.
-must file pre conf cert.


DEBTOR NOW ON UNEMPLOYMENT NEED MP MIN 100 PER MO
NEED BY 341 DATE
ns
As of 2/25/20 Debtor attorney requested adjournment, request denied, no payments and does not get the consent of objecting creditor

TR OBJ 109E
NO 341
NO TR PYMTS ( LAN PROVIDES FOR NO PLAN PYMTS PENDING SALE--open sale date)
-no employment or income
Matter ResolvedRequest
Adjourment
1226/24/2020 10:00 am19-33262 / MBKSTEVEN J ABELSON, ESQConfirmation Hearing ScheduledWithdrawnDebtor has made 3 of 7 required payments   Arrears: $6,774.00  
ISSUES AS OF 6/18/2020 (DM): Debtor made a payment in June.

1) Angelo Spargifore filed $19,047.90 secured judgment not treated in plan (UNRESOLVED).

2) 1st Merchant Funding filed $79,645.94 secured (UCC-1) claim on present and future sales receipts not treated in plan (UNRESOLVED).

3) Regional Acceptance filed $709.57 arrears claim on 2015 BMW X5 (OKAY TO PAY??)

4) Trustee OBJ:
- Debtor has insufficient income - disposable income verifies at -$217 per month.
- Excessive Expenses: $697 car payment (MOOT).
- Need a copy of 2019 tax returns by 8/15/20.
- Need proof of insurance for 2015 BMW (RECEIVED).
- Need a MP that includes all DSO.
- Need proof of service on the IRS cram (FILED).
- Need to file Pre-Confirmation Certification (FILED).
- Need to resolve the estimated claim filed by the IRS (AMENDED).

 The debtor's Plan proposes an order of distribution that departs from Trustee standard (ADD PER PLAN DISTRIBUTION TO THE CONFIRMING ORDER).


Prop. Plan $1,706 x 60, Base Plan
PTD 3/6 = $5,118
Last Claim (1-2)
Matter ResolvedRequest
Adjourment
1236/24/2020 10:00 am19-33268 / MBKEdward Hanratty, Esq.Confirmation Hearing on Modified PlanContinued
7/14/2020 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $300.00  
AMT: MTN TO CONVERT TO CH 11 PENDING 7/14<<<>>>


***ADJ to 6/24//20 for convert or dismiss due to 109e***

ISSUES AS OF 6/12/2020 (DM):

***Need to address amended Sch I&J issues listed directly below, and issues #2 & #3***

 5/1/20 - Amended Sch I&J filed - ISSUES:
- Pay stubs uploaded on 1/7/20 for Debtor provide P&W Designs LLC dba Camelot Kitchens - Updated pay stubs uploaded 5/1/20 for Debtor provide Camelot Kitchen & Bath Corp - Need explanation Certification for closing of prior business and then opening new business (UNRESOLVED). Accountants advises Camelot Kitchen & Bath Corp averages $150k in monthly gross receipts which translates, after all expenses, to an income of 10% of gross - this should be added to Debtor's pay stub income (UNRESOLVED). Accountant values Camelot Kitchen & Bath Corp at $100,000 - proposed dividend to general unsecured creditors is too low. In addition, most items on Sch B (see  in #4 below) have not been exempted (UNRESOLVED).


1) US Bank/PHH Mtg (RAS) OBJs - $10,611.84 arrears (CO ENTERED - LOAN MOD BY 7/21/20).

2) Citizens Bank/Ditech (McCALLA) OBJs to cram - questions value of real estate (UNRESOLVED).

3) Trustee Suppl OBJ:
- Bar Date expired and GUCs exceed 109(e) limit (UNRESOLVED).

4) Trustee OBJ:
- Need updated P&Ls (Dec was -5,999.00 & Jan was $50,000) - need Feb & March P&Ls to determine feasibility (RECEIVED, BUT NUMBERS DO NOT COINCIDE WITH NUMBERS PROVIDED BY ACCOUNTANT ON 3/1/2020).
- Need bank statements for First Bank of NJ - upload of Sept/Oct statements indicate acct was closed 11/2018 with no verification.
- Need explanation for closing prior business, P&W Designs, and then opening Camelot Kitchen & Bath (UNRESOLVED).
- Need accountants value of business (RECEIVED - VALUE IS $100,000 VALUE).
 There is non-exempt equity in bank accts with First Bank of NJ ($12,535), AmeriTrade($1650)/TD Bank ($2,025), Lamendola Properties ($2,600), Office Furniture ($1,000), Tools ($1,000), Office Equipment ($28,374), and Sh
Matter ResolvedRequest
Adjourment
1246/24/2020 10:00 am19-33297 / MBKDAVID G BESLOW, ESQConfirmation Hearing ScheduledContinued
8/18/2020 10:00 am
Debtor has made 2 of 7 required payments   Arrears: $700.00  
Amended Sch A/B/C filed 3/5/20 - PI claim added - Obj to amended Sch C filed

AS OF 6/18/20 (at):

1. Objection filed by US Bank/Select Portfolio (Frenkel) - plan does not propose to cure arrears and fails to provide payment of regular post petition monthly payments. (UNRESOLVED)

2. Objection filed by Specialized Loan Servicing/Select Portfolio (2nd mortgage) (Stewart Legal) - correct arrears are $162,873, not $86,175. Do not oppose strip off as long as the total amount of the claim is treated as unsecured. (UNRESOLVED)

3. Trustee's objection:
- The debtor has insufficient income. Verified income leaves a monthly net balance of -$1,347.54.
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2019 by 5/31/2020. (LANGUAGE ADDED TO CONFIRMING ORDER)
- Need updated car insurance. Policy expires 2/4/20. (RECEIVED)
The debtor has undertaken an improper use of exemption. Specifically:
- Debtor has exceeded the statutory limits 522 (s)(11)(D). Debtor cannot claim the full statutory exemption in 2 separate personal injury cases. (AMENDED SCHEDULE C FILED, BUT IT EXCEEDS THE D5 LIMIT - OBJ FILED BY TRUSTEE)
- Need to file Pre-Confirmation Certification. (FILED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED TO CONFIRMATION ORDER)

Plan proposes: $100 x 4, $300 x 32, base, loan mod within 6 months of confirmation
Payments: 3/6, arrears $700 (last payment made in March, 2020)
Matter ResolvedRequest
Adjourment
1256/24/2020 10:00 am19-33394 / MBKEUGENE ROTH, ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 2 of 7 required payments   Arrears: $0  

AS 6/18/20 (SF) - Per Atty, ok to dismiss/Hold Fees

Note: Plan needs to be confirmed at 100%. Debtor's income does not support higher payment. There is n/e equity of $368,825 in real estate.

Need $2820 PTD, $1522 X 54 (BEGIN 7/1/20) 100% plan.
- Must file pre-confirmation cert within 10 days
- Strike Carol Baron from plan as no claim was filed
- Preserve n/e equity of $368,825 in conf order.



- Homeowner's insurance expires on 6/25/20

1. Carol Baron has not filed a claim. Should the per plan claim of $3307.54 be stricken?

2. Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the homeowner's insurance renewal declaration - two page document provided is illegible
- There is non-exempt equity in house $368,824.88 (100% PLAN).
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution,
- plan proposes a tier however, income is not sufficient to make this large payment - what is the source of the funds?

3. Must file pre-confirmation certification

Plan proposes $470 x 6, $1485 x 54 100%
Payments: 6/6
Matter ResolvedRequest
Adjourment
1266/24/2020 10:00 am19-33575 / MBKEric ClaymanConfirmation Hearing on Modified PlanConfirmedDebtor has made 2 of 7 required payments   Arrears: $400.00  Total Paid In: $706.00
As of 6/23/20 (DS): Ok to confirm at $706 paid, $400 x 12 begin 7/1/20, $375 x 18 begin 7/1/21 0% to gucs (attorney fees $2,000 and 18 month prompt cure to Landlord, then remaining attorney fees and others to be paid)

4/14/20 (DS): 1. No claim filed by KACW Apts (landlord), no objection filed, bar date has passed. Will a claim be filed? Claim will be late, would need motion to allow Trustee to pay late filed claim. LATE CLAIM FILED AND ORDER FOR TRUSTEE TO PAY LATE CLAIM FILED.

2/26/20 (DS): 1. IRS filed priority claim $253.33, needs to be paid. Mod plan adds.

2. Trustee obj need 18 month prompt cure to landlord. Mod plan propose 18 month prompt cure.

3. Proof of income provided 2/13/20 for spouse verifies higher, there is disposable income $1,204.95. AMENDED SCHED I & J FILED 3/12/20

Prop Plan $706 paid, $353 x 36 $0
Matter ResolvedRequest
Adjourment
1276/24/2020 10:00 am19-33589 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledWithdrawnDebtor has made 4 of 7 required payments   Arrears: $315.00  
As of 6/19/20 (DS): 1. Trustee obj to the following:
- Need auto insurance for 1994 Jeep (OK) and DSO Form.
- Need mod Plan that removes sale of real property, since sale occurred in Jan 2020.
- Must amend Sched J to adjust for housing costs post sale of residence.
- Excessive expenses on Sched J such as: Property taxes $576.58 and support payments $331 (requires proof, such as order).
- Income verifies higher, there is disposable income $3,419.79. Total unsecured claims filed $9,517.12, plus mortgage cram $55,799.72 would be $65,316.84.
- The debtor has failed to provide proof of service with respect to Plan Motions. Mortgage claim has been filed.

Prop Plan $200 x 60 Base and Sale within 6 months
Matter ResolvedRequest
Adjourment
1286/24/2020 10:00 am20-10194 / MBKTHOMAS M MONAHAN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 6 required payments   Arrears: $301.00  Total Paid In: $3,281.00
AS OF 6/17/20 (at): Atty ok with terms.sf

RECOMMEND: $2,621 PAID TO DATE, $961 x 55 BEGINNING 7/1/2020, 100% TO GUC'S
In the event the within case is dismissed, there will be 180 day bar on future filings.

1. The IRS filed an ESTIMATED priority claim #1 in the amount of $14,949.68 which is not in the plan. (2018 - 2019) This claim needs to be amended. (NO LONGER ESTIMATED)

2. Objection filed by Bayview Loan Servicing (Fein Such) - failure to cure full arrears of $45,066.27 (Per POC) (OTBS RESOLVED-pay arrears claim)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2018 for spouse (RECEIVED 2019)
- spouse bank statements (RECEIVED)
- A copy of the deed - only provided cover sheet (NOT RECEIVED - NO EQUITY REGARDLESS OF OWNERSHIP)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- excessive expenses on Schedule J - $1,600 spouse expenses & debt service (need to provide supporting documentation for this expense); $301/homeowners insurance (invoice for annual policy (effective 5/15/2019-5/15/2020) shows total premium $1,399.55 which is $117/month) (NO DOCUMENTATION RECEIVED)
- The case should be dismissed with a 180 day bar from re-filing.
- The debtor must file an amended 22C to correct the mortgage amount in section 9b. (NOT AMENDED)

MP before confirmation proposes: $831.34 x 60, 100% to guc's
Payments: 4/5, arrears $650.60
Matter ResolvedRequest
Adjourment
1296/24/2020 10:00 am20-10332 / MBKJOHN J HOPKINS, IIIConfirmation Hearing ScheduledDeniedDebtor has made 5 of 6 required payments   Arrears: $150.00  
adjourned from 4/21/20 to complete 341. 341 was not held on 3/26/20
Matter ResolvedRequest
Adjourment
1306/24/2020 10:00 am20-10392 / MBKEdward Hanratty, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 2 of 6 required payments   Arrears: $2,008.00  
att to file new plan by 7/1 EDC

ISSUES AS OF 6/18/2020 (DM):

***Current Plan is not feasible - RECOMMEND DISMISSAL***

 5/27/20 - AR, ONLY CONF IF LOAN MOD IS OUTSIDE PLAN WITH 100% TO GUCs.

1) US Bank (RAS) OBJs - $254,116.95 arrears - Loan Mod was denied on 5/15/20 and debtor has been pursuing a Loan Mod since 12/22/15 during the previous bankruptcy (UNRESOLVED).

2) MP proposes $19,773.63 priority treatment to State of NJ Dept of Labor - no POC filed (STRIKE?? - Yes)

3) MP proposes $2,530 priority treatment to IRS - no POC filed (STRIKE?? - Yes)

4) The treatment of the NJ Division of Tax in Part 4d of the MP does NOT correspond with its treatment in Part 7b and no secured POC has been filed (STRIKE - Yes).

5) MP proposes $16,632 secured pay in full treatment to Aetna Life Insurance - no POC filed (STRIKE?? - Yes)

6) MP proposes $2,698.15 secured pay in full treatment to State of NJ Dept of Labor - no POC filed (STRIKE?? - Yes)

7) Outstanding Trustee objections below can be resolved by paying 100% to $1,339.82 timely filed unsecured claims.

8) Trustee OBJ:
- Need a copy of the 2019 return by 8/15/20.
- Need amended Form 122c - form is incomplete (AMENDMENT APPEARS TO HAVE ERRORS WITH BUS INCOME REPORTING).
- No exemptions were taken on Sch C so non-exempt equity in bank accounts of $17,000 (AMENDED SCH C FILED - TRUSTEE OBJECTION TO EXEMPTIONS EXCEEDED).
- There is $25,931 non exempt equity in real estate (MAY BE REDUCED BY JUDGMENTS AND PROPER EXEMPTIONS - NEED ADDITIONAL INFO FROM DEBTOR'S ATTORNEY REGARDING EMAIL SENT TO JA ON 5/15/20).
- Debtor must provide proof of liens after the mortgage, unless a secured claim is filed for judgments listed on Sch D (PROOF PROVIDED, BUT SOME APPEAR TO BE PAID IN PREVIOUS BANKRUPTCY - JA SENT ATTY EMAIL - NEED TO RESOLVE).
- Need amended Sch B, Q#19 to add business and need a valuation by an accountant for business value (ACCOUNTANT SENT LETTER THAT HE CANNOT PROVIDE VALUATION AND ANTICIPATED COST OF VALUATION IS
Matter ResolvedRequest
Adjourment
1316/24/2020 10:00 am20-10413 / MBKADAM SCHNEIDER, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 6 required payments   Arrears: $793.00  Total Paid In: $3,170.00
ISSUES AS OF 6/19/20 (DM): UPDATED 6/24/20

***If debtor wants to resolve objections by curing mtg arrears and paying 100% to $138 timely filed unsecured claims while seeking a Loan Mod, then debtor would need $3,170 Ptd, then $793 x 55 starting 7/1/20, 100% Plan, student loans treated outside the plan***


1) Home Point (PHELAN) OBJs - $39,176.72 arrears (UNRESOLVED).

2) Trustee OBJ:
- Disposable income verifies at $1,248 per month.
- Reviewed Form 122c - average monthly gross income is $8,692 (December 2019 gross $104,307/12). Per From 122c, monthly disposable income is $1,442, which would require $86,520 minimum dividend.
- Tax refund of $1,815 was not prorated and included into disposable income calculation.
- Must file Pre-Confirmation Certificate (UNRESOLVED).

Note: Plan does list student loans as outside. Amended Attorney Disclosure filed 3/1/20. Homeowner insurance provided.


Prop. Plan $634 x 60, Base Plan
- Loan Mod by by 4/30/20
- Student Loans outside
PTD 4/5 = $2,536
Last Claim (2-1)
Matter ResolvedRequest
Adjourment
1326/24/2020 10:00 am20-10457 / MBKKirsten B. Ennis Confirmation Hearing ScheduledContinued
9/1/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $1,700.00  
RESOLVE OR HOLD
6/17 workup for the 6/24 calendar

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

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

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

proposed plan $1700x60 base
Matter ResolvedRequest
Adjourment
1336/24/2020 10:00 am20-10503 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
8/18/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $100.00  
6/16 workup for the 6/24 calendar EDC

*Specialized now has a stay lift motion scheduled--8/18 at 9AM
* TD Bank obj to loan mod/sale/refinance -Obj must be resolved
* Trustee obj to the following:
- Debtor has insufficient income to fund 100% plan or obtain a loan mod. Verified income leaves a monthly net balance of $-1,776.93.
- There is estimated non-exempt equity in the residence of $74,717.26. Plan is proposing 100% to gucs, will need to confirm at 100% due to non-exempt equity.
- Need 2019 tax returns, no later than 8/15/20.
* Specialized Loan obj to loan mod/sale/refinance. Obj must be resolved. (OBj resolved arrears to be paid at sale and sale by 12/31/20, loan mod and refinance to be stricken)

3. TD Bank obj to loan mod/sale/refinance as well. Obj must be resolved.

Prop Plan $100 x 36 100% Loan mod by on Jernee Dr by 8/1/20 or Sale/Refi by 2/21
Note: 2nd mortgage claim filed.
Matter ResolvedRequest
Adjourment
1346/24/2020 10:00 am20-10731 / MBKANDRE L KYDALA ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 6 required payments   Arrears: $869.00  Total Paid In: $3,000.00
AS OF 6/22/20 (SF)


RECOMMEND $3000 PTD, $869 X 55 (BEGIN 7/1/20) BASE PLAN
- MUST PROVIDE COPY OF 2019 TAX RETURN BY 8/15/20

1. US Bank filed arrears claim 9-2 for $4184.15 which is not addressed in plan (OK TO PAY?) yes

2. Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2019 on or by 8/15/2020
- must file pre conf cert. (FILED)


Plan proposes $600 x 60 Base
Payments: 3/3

RESOLVED ISSUES:
- IRS priority claim 5-2 is estimated . 2018 AND 2019 Returns missing. (AMENDED)
- Objection filed by Lake Cushetunk Woods Condo Assoc (Glenford Warmington) - failure to pay claim
- Lake Cushetunk Woods Condo Assoc. filed secured claim 8-1 for $33,347.08 which is not addressed in plan (OTBS TO PAY THE CLAIM AS ALL SECURED)
- NEED PROOF OF HOMEOWNER'S INS. (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - policy provided expired 3/21/2020 auto insurance, document provided was temporary 15 day coverage that expired 3/23/2020
Matter ResolvedRequest
Adjourment
1356/24/2020 10:00 am20-10777 / MBKEdward Hanratty, Esq.Confirmation Hearing on Modified PlanContinued
8/18/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $127.00  
ISSUES AS OF 6/19/2020 (DM):

1) IRS filed $449 estimated priority claim for 2019 tax returns (PER ATTY, 2019 FILED - NEED TO PROVIDE TRUSTEE WITH COPY).

2) MP provides $100 priority treatment to State of NJ - no POC filed (STRIKE??)

3) MP provides $100 priority treatment to State of NY - no POC filed (STRIKE??)

4) Trustee OBJ:
- Need to file Pre-Confirmation Certification (FILED).
- Need CMA on timeshare - listed on Sch B as unknown - Per atty, no longer has interest (MP SURRENDERS).
- Need a copy of Deed for timeshare - Per atty, no longer has interest (MP SURRENDERS).
- Need 2 months bank statements for TD Bank acct (RECEIVED).
- Need amended Attorney Disclosure for fees through the plan (FILED - WILL NEED TO FILE MOTION FOR FEES 7 DAYS AFTER CONFIRMATION ORDER).


Prop. Plan $127 x 60, Base Plan
PTD 5/5 = $635
Last Claim (21-1)
Matter ResolvedRequest
Adjourment
1366/24/2020 10:00 am20-10786 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $500.00  
adj to 7/8 to make payments if done can adj to August EDC

As of 6/23/20 (DS): 1. Debtor in arrears $2,000, made 1 out of 5 payments. DEBTOR ATTORNEY ATTACHED TO DOCS PROOF OF PAYMENT, BUT PAYMENT IS NOT SCHEDULED TO BE COMPLETE UNTIL 6/24/20.

2. MFR was granted on real property Sea Point Dr, plan proposed to sell. Need mod plan to surrender and remove sale. There is non-exempt equity on this property for $32,964.94.

3. BELOW ISSUES NOT RESOLVED.

Debtor attorney requested adjournment

3/31/20 (DS): 1. Trustee obj to the following:
- Need docs for current DSO obligation and 2019 Tax Return.
- Debtor has undertaken an improper use of exemption. Specifically: Debtor has
over used 522 (d)(5) exemption by $12,475.
- Excessive expenses on Sched J such as: $4,691 for NY property that's not generating sufficient income and $2,170 for mortgage payment on Point Pleasant Beach property that is currently being sold.
- Trustee needs to receive all non-exempt sale proceeds pursuant to the partition.
- There is equity of approximately $397,086.75 in the debtor's various properties.

2. Nationstar (Division St) obj to arrears owed, POC filed with arrears $1,468.48. Obj must be resolved. Ok to pay?

3. Arrears claim filed by Capital One Auto for $10. Ok to pay?

Prop Plan $200 x 60 Base and Sale of Seapoint Dr by 7/1/20
Note: Homeowner insurance for Point Pleasant property provided.
Matter ResolvedRequest
Adjourment
1376/24/2020 10:00 am20-10959 / MBKSCOTT D SHERMAN ESQConfirmation Hearing ScheduledContinued
8/12/2020 10:00 am
Debtor has made 3 of 6 required payments   Arrears: $532.00  
Adj to 8/12/20 Peremptory to resolve disposable income.

ISSUES AS OF 6/19/2020 (DM):

 6/5/20 - PennyMac (FEIN) filed Notice of Mtg Forbearance ending 7/31/20.

1) Fidelity National (Christopher Balala, Esq) OBJs to cram of judgment (UNRESOLVED).

2) PennyMac filed $1,391.34 arrears claim (OKAY TO PAY??)

3) Order of Distribution departs from Trustee standard.

4) Trustee OBJ:
 Need $600 tier increase when the Mercedes loan is paid off in August 2020.
 Tax refund of $15,375 was not fully prorated and included in disposable income calculation - $774 disposable income.
- Debtor needs to supply proof of child support (RESOLVED, PROVIDED ORDER).
- Debtor needs to provide a certification of service on all plan cramdowns (FILED).
- There is $38,100 equity in real estate (REDUCED TO $536 - NBT LIEN WAS NOT DEDUCTED IN LIQUIDATION ANALYSIS).
- Need an appraisal on the classic cars (TOTAL VALUE $11,300 - NO EXEMPTION AVAILABLE).
- There is $25,000 in equity in autos, guns and checking account (TOTAL NON-EXEMPT EQUITY ADJUSTED TO $13,136).


Prop. Plan $200 x 4, $532 x 56, Base Plan
- non exempt proceeds from workers comp claim
PTD 5/5 = $1,332
Last Claim (6-2)
Matter ResolvedRequest
Adjourment
1386/24/2020 10:00 am20-10971 / MBKFREDERICK J SIMONConfirmation Hearing ScheduledDismissedDebtor has made 4 of 6 required payments   Arrears: $0  

ns
As of 6/16/20(mk):


>>Time period for LM per plan was 7/13/20. No Loss Mit filed . All Issues Below unresolved.
Income is insufficient to fund plan & Plan is not feasible<<

1. Objection by MTGLQ(RAS):
-plan fails to pay arrears. LM speculative.

2. IRS Claim for secured $10,561.97 & Priority has estimated part- no return for 2018.

3. Real Time Solutions (2nd Mtg) filed arrears POC $97,740- NOT TREATED IN PLAM

4. Trustee Objection;
time for LM in plan was 7/13/20.
-MTGLQ Investors objection to be resolved
-Upon dismissal the debtors should be barred from refiling for the period of 4 years. This
filing is the 4th bankruptcy filing in a 4 year period.
-need 2018 return now & 2019 return by 8/15/20.
IRS estimated claim must be resolved
-need updated auto insur.(Provided).


plan:215 X 60 BEG 2/20; LM BY 7/13/20 (51 SEYMOUR TERRACE); BASE
payments:3/5
last claim:7-1, bar date:3/31/20
Matter ResolvedRequest
Adjourment
1396/24/2020 10:00 am20-11240 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledWithdrawnDebtor has made 4 of 6 required payments   Arrears: $1,600.00  
As of 6/22/20(mk):update

1.No 341 held. All docs in- but income is stale-just need 60 days current POI(April/May2020)& 341adj request was uploaded
2. 4/5 payments.
3.Objection by New rez/Shellpointt( RAS)
Matter ResolvedRequest
Adjourment
1406/24/2020 10:00 am20-11256 / MBKGeorge E Veitengruber IIIConfirmation Hearing ScheduledWithdrawnDebtor has made 5 of 6 required payments   Arrears: $2,638.00  
As of 3/23/20(mk).

341 on for 4/9/20.

made a payment
Matter ResolvedRequest
Adjourment
1416/24/2020 10:00 am20-11483 / MBKROBERT C NISENSON ESQConfirmation Hearing on Modified PlanWithdrawnDebtor has made 13 of 6 required payments   Arrears: $600.00  
Matter ResolvedRequest
Adjourment
1426/24/2020 10:00 am20-11761 / MBKADAM SCHNEIDER, ESQConfirmation Hearing ScheduledContinued
8/18/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $657.00  
issues as of 3/23/2020

1) Specialized Loan Servicing LLC (Stewart Legal) objection to confirmation - need to resolve
-estimated arrears $38,709.05
2) Trustee objection to confirmation - need to resolve
-need a modified plan that removes attorney fees to be paid through plan or amended attorney disclosure to list attorney fees through plan STILL NOT RESOLVED
-need amendment to Schedules I and J post death
-the debtor has failed to file Certification of Service for plan motions STILL NOT FILED
-need to resolve creditor objection
-must file pre confirmation certification with Court STILL NEED TO FILE

proposed plan $657x60 base plan
paid in $2628
last claim 18
Matter ResolvedRequest
Adjourment
1436/24/2020 10:00 am20-11795 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $250.00  
issues as of 6/19/2020

1) To date, no Trustee plan payments have been received, arrears $1,000 (0 for 4) PROVIDED PROOF OF 4 PAYMENTS, WAITING TO POST
2) US Bank (Pluese) objection to confirmation - need to resolve
-estimated arrears $47,402.90
3) Trustee objection to confirmation - need to resolve
-need a current market analysis -LATEST CMA VLAUE $348,500 LEAVES NON EXEMPT EQUITY OF $6,313
-need Trust fund statements RESOLVED, ACCOUNTS FOR CHILDREN IN ACTORS FEDERAL CREDIT UNION - MONEY CHILDREN EARNED WORKING, NOT PROPERTY OF THE DEBTOR ESTATE
-the plan provides payment on unsecured claims of less that that which would be distributed upon liquidation under Chapter 7 - non exempt equity of $16,571 in Bank of America accounts
-the debtors plan proposes an order of distribution that is contrary to the Trustee recommended order of distribution
-need a copy of the GE stock statement PROVIDED, CLOSING VALUE OF PORTFOLIO $1,522.62, NOT EXEMPTED ON SCHEDULE C

proposed plan $250x36 base plan
paid in $0
arrears $1,000
last claim 4
Matter ResolvedRequest
Adjourment
1446/24/2020 10:00 am20-11912 / MBKEric ClaymanConfirmation Hearing on Modified PlanContinued
8/18/2020 10:00 am
Debtor has made 2 of 5 required payments   Arrears: $1,345.00  
ISSUES AS OF 6/19/2020 (DM): Updated 6/23/20

1) IRS filed $7,177.55 amended priority claim that includes estimated taxes for 2016 (NO LONGER ESTIMATED BASED UPON POC NOTATION).

2) MP proposes a 20-month prompt cure of $19,476.87 landlord arrears with $2,000 portion of debtor's counsel fee.

3) Purchase Power LLC filed $11,000 secured claim (MP SURRENDERS).

4) AFS Acceptance filed $1,050 arrears claim on 2016 Audi A4 - in the plan as Credito Real USA Finance (OKAY TO PAY?? no, atty waiting for POC to be amended to $0)

5) American Credit Acceptance filed $28,148.44 arrears claim on 2015 Audi Q7 not treated in plan (UNRESOLVED).

6) Capital One Auto (MESTER SCHWARTZ) OBJs - $13,974.60 arrears on 2009 Nissan Maxima (MP SURRENDERS).

7) Trustee Supp OBJ:
- Per Form 122c, as filed, the plan term must run 60 months.

8) Trustee OBJ:
- Need proof of rent.
- Need MP that surrenders 2009 Maxima & addresses other auto claims (FILED).
- Disposable income verifies at $738 due to prorated 2019 tax refund.
- The Plan fails to provide for a prompt cure of rental arrears (MP CORRECTS).
- Need to file Pre-Confirmation Certification (FILED).
- Need 2019 tax return (RECEIVED).
- Need statements for the debtor's two 401k loans (RECEIVED).


Prop. Plan $1,040 Ptd (3), $1,345 x 17, $425 x 16, 0% Plan
- 20 month prompt cure
PTD 4/4 = $2,905
Last Claim (20-2)
Matter ResolvedRequest
Adjourment
1456/24/2020 10:00 am20-11983 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 5 required payments   Arrears: $569.00  Total Paid In: $1,000.00
As of 6/24/20(mk):Updated From Ct.

*** NEEDS TO CONFIM AT $1,000 PTD, THEN $569 X 32, BEGIN 7/1/20, 0%; Trustee is authorized to pay US Bank arrears claim #7-1 in the amount of $3,654.20 through the plan. Trustee is authorized to pay Santander arrears claim #9-1 in the amount of $155.15 through the plan. Student loans Outside.***

1. IRS filed POC- Priority- has estimated portions for 2016 & 2017(APOC filed 6/24/20- priority liability fixed at $12,474.32.

2. Objection By US Bank(RAS):
-plan has unaffected- POC $3,654.20-OK TO PAY?( Per ATTY - YES PAY).

3. Santander-lease-POC $155.15- OK TO PAY?(PER ATTY YES PAY).
Plan has unaffected

4. Trustee Objection:
-need dec. page for current home insur.(Provided).


Plan:250/36,0%.Std Loans Outside
Payments:4/4
last claim;9-1;bar date:4/15/20

Matter ResolvedRequest
Adjourment
1466/24/2020 10:00 am20-12097 / MBKBRAD J SADEKConfirmation Hearing ScheduledContinued
8/12/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

As Of 6/18/20(mk): Atty email says re: #1 they are surrendering car so will pay nothing on that claim & will file MP for that & request an adj. of this 6/24/20 hearing.


>> Dispos. income issues. Income still verifies higher Needs 100%.Need to know about treatment
of Santander claim in #1<<

1.Santander filed Bifurcated Claim on 2012 Toyota. Sec 8500, unsecured 88.02. Arrears $237.09.
How are we treating this claim? ARE WE PAYING ARREARS AMT. ?

2.NationStar has filed a Secured Claim On RE that was sold at Sheriff's sale in Jan? RE IS SURRENDERED In PLAN.

3. Trustee Objection:
- Chestnut St. prop. (EMAIL FOR A. JENNIINS ON 5/8/20 SAYS IT WAS SOLD AT SHERIFF'S SALE ON 1/16/20).
Plan Surrenders the RE
-need Domestic Support Obligation information( Provided)
-excessive expenses:$250 entertainment, $600 ,DSO (need proof),
$1,800 non-debtor student loans and credit cards(need proof). (proof of expenses Provided)
-debtor not paying all disposable income into plan.:
-there is $5,899 monthly disposable income per Form 122c, as filed, which requires a
$353,940 minimum dividend for general unsecured creditors.
- The $2,083.48 pension loan deduction on Sch I for non-debtor spouse should have been
paid off in April based upon the balance reflected on her pay stub from the State of NJ.
- Income verifies higher ($5777.55/$5,122.93)than scheduled ($4,944/$2,521) for debtor/co debtor)
- this is from updated m May info provided. (MAKE IT 100%)


Plan:187 X 60 BEG 3/20; BASE
payments:4/4
last claim:7-1, bar date:4/17/20
Matter ResolvedRequest
Adjourment
1476/24/2020 10:00 am20-12157 / MBKMark Kriegel Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $4,000.00
As of 6/22/20 (DS): Ok to confirm at $800 x 36 begin 3/1/20 Base, student loans to be treated outside and Wells Fargo POC #13-1, shall be treated per plan, current and will not receive distribution on the secured or unsecured portions

1. Wells Fargo filed bifurcated claim, no arrears, secured $14,550 and unsecured $5,177.90. Creditor listed in plan as outside.

Prop Plan $800 x 36 Base
Matter ResolvedRequest
Adjourment
1486/24/2020 10:00 am20-12186 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $1,000.00  Total Paid In: $4,000.00
As of 6/24/20 (DS): UPDATED

RECOMMEND $3000 PTD, $1000 X 8 (BEGIN 7/1/20), $3200 X 48 (BEGIN 3/1/21) 100% W/MIN $26,207 TO GUCS, LOAN MOD BY 9/1/20
- OK TO PAY M&T ARREARS CLAIM 3-1 - OTBS WITHIN 30 DAYS RESOLVING OBJ
- MUST PROVIDE COPY OF 2019 TAX RETURN BY 8/15/20


1. M&T obj to loan mod and arrears owed are more and not paid. Obj must be resolved. (OTBS)

2. Trustee obj to the following:
- There is non-exempt equity on real property $23,760 and timeshare $2,446.88 total $26,207.17.
- 22c has disposable income to pay 100%, plan propose 100%.
- Must provide 2019 tax return no later than 8/15/20.

Prop Plan $1,000 x 12; $1,450 x 48 100% and Loan mod on 9th Ave by 9/1/2020
Note: Homeowner insurance provided.
Matter ResolvedRequest
Adjourment
1496/24/2020 10:00 am20-12198 / MBKJOAN S. WARREN, ESQ.Confirmation Hearing on Modified PlanConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $2,000.00
6/17/20 - amended Sch B filed to add possible inheritance (dm)

6/15 workup for the 6/24 calendar EDC

Can Confirm at follows: $1600 paid then $400 x 56 - trustee to receive non-exempt proceeds from the sale or refinance of Blairstown property by 8/31/21 -100% with minimum of $155,896 to unsecured plus any non-exempt equity in the inherited property in Morristown (this amount will be determined prior to the conclusion of this case if necessary)-trustee to pay AMEX Claim

1) Nationstar Mortgage/Mr. Cooper (RAS Citron) objection to confirmation - need to resolve
-approximate arrears $43,067.33 --MP has to pay pending sale
2) Trustee objection to confirmation - need to resolve
-need a current market analysis for the Morristown property(not property of estate per attorney-need debtor cert. as to the situation and if cert is OK needs to remove from the schedules)
-need a copy of the homeowners insurance renewal declaration for the Morristown property(see above)
-need mortgage payoff for the Morristown property(see above)
-the plan must be a 100% plan due to the equity in the debtors properties
-must file pre confirmation certification

proposed plan $400x36 sale/refi by 8/31/2021 100% plan
paid in $1200
last claim 4
Matter ResolvedRequest
Adjourment
1506/24/2020 10:00 am20-12224 / MBKMark K. Smith, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 14 of 5 required payments   Arrears: $0  
Total Paid In: $650.00
AS OF 6/23/2020 (at)

RECOMMEND: $560.36 PAID TO DATE, $45 X 1 BEGINNING 7/1/2020, $459.42 X 54 BEGINNING 8/1/2020, BASE
Trustee shall pay BMW Financial, POC #5 a secured claim in the amount of $7,875. The unsecured portion in the amount of $6,445.40 shall be paid pro rata with other general unsecured creditors pursuant to the terms of confirmation.
Need to file Pre-Confirmation Certification within 10 days of confirmation.

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

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Need bank statements for NJ Law & Public Safety FCU (received an unknown History Report). (RECEIVED)
- Amendments to Schedules to add timeshare to be surrendered to schedules and to amend the 22C form to a household of 1. (BOTH AMENDED)
- The debtor has failed to provide proof of service with respect to Plan Motion. (CERT OF SERVICE ON BMW FINANCIAL FILED 5/20/2020)

MP before confirmation proposes: $45 x 6 beginning 3/1/2020, $459.42 x 54, base
Payments: more than 4/4, $425.36 credit
Matter ResolvedRequest
Adjourment
1516/24/2020 10:00 am20-12255 / MBKROBERT C NISENSON ESQConfirmation Hearing on Modified PlanWithdrawnDebtor has made 2 of 5 required payments   Arrears: $600.00  
PER AR CONF IF DEUTSCHE OK CAN ADD EWAGE AND ADD LOAN MAOD OS PLAN TRUSTEE WILL NOT PAY ARREARS
6/16 workup for the 6/24 calendar EDC

* 2 payments arrears
*objection by Milstead for Deutsche Bank to LM
*Trustee objection:
-The debtor has insufficient income ; income verifies $-847.27..
-A current market analysis - that provided comparatives used to determine value.
-A copy of the last filed tax return - for Debtor for 2019 or Cert of non-filing tax return for 2019.
- Must file Pre-confirmation certificate.

$400 PTD; $200 X 56 BEG 6/20; LM W/IN 3 MO AFTER CONF; 100%
Matter ResolvedRequest
Adjourment
1526/24/2020 10:00 am20-12511 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $412.00  Total Paid In: $2,120.00
AS OF 6/23/2020 (at):

RECOMMEND: $1,766.75 PAID TO DATE, $765 x 56 BEGINNING 7/1/2020, 100% TO GUC'S
Preserve non exempt equity of $9,808 in real estate.

1. Objection filed by New Rez (Hill Wallack) - failure to cure full arrears of $7,320.89. (Per POC) (RESOLVED - PAY PER CLAIM)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis; CMA provided is from 12/2018. (RECEIVED ZILLOW 6/22/2020)
- A copy of the last filed tax return - for 2019. (RECEIVED)
- 401(k) loan balance statement prior to filing date. (RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Food $400, Clothing $125 and Car insurance $230.
- The debtor has failed to provide proof of service with respect to Plan Motion(s). (CERT OF SERVICE FILED)

Plan proposes: $765 x 60, $13,550 to guc's
Payments: 2/4, arrears $1,293.25
Matter ResolvedRequest
Adjourment
1536/24/2020 10:00 am20-12561 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledContinued
8/26/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $1,149.00  
issues as of 6/19/2020

1) IRS priority claim 8 is estimated for 2017 and 2018 taxes not filed - STILL need to resolve
2) Leaders Financial filed secured claim 6 for a 2004 Chevy Suburban, this claim is not treated in plan - need to either pay claim $4,291.88 or move against it STILL NEED TO RESOLVE
3) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income
-need amendment to schedules - Statement of Financial Affairs to include business
-the debtor is not paying all disposable income into plan - disposable income of $78.30 per Line 45 of Form 122c requires a minimum dividend of $4,698 to general unsecured creditors
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is non-exempt equity of $9,178 in real estate and non exempt equity of $80,000 in business

proposed plan $1149x60 0%
paid in $4596
last claim 12
Matter ResolvedRequest
Adjourment
1546/24/2020 10:00 am20-12772 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
8/12/2020 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $520.00  
As of 6/22/20 (DS): Debtor attorney requested adjournment, 341 sched 6/25/20.
.
On 4/21/20 Debtor attorney requested adjournment, proof of payment $520 via epay was provided later at 3:30pm, must request adjournment via Court Solutions.

As of 4/8/20 (DS): 341 sched 5/7/20, no payments made, arrears $520, made 0 out of 2 payments, must get current, then submit confirmation adjournment request.
Matter ResolvedRequest
Adjourment
1556/24/2020 10:00 am20-12798 / MBKGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
8/26/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

issues as of 6/18/2020

1) Trustee objection to confirmation - need to resolve
-Need amendment to Schedule I to show change in income - codebtor no longer working, added social security income NOT ADDRESSED SINCE THE FILING OF THE TRUSTEE OBJECTION
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - non exempt equity in Bank of America checking account ending #3129 in the amount of $2,650
-must file Pre Confirmation Certification with Court NOT FILED
2) IRS priority claim is estimated for 2016-2019 taxes STILL ESTIMATED FOR 2016 AND 2019 TAXES
3) Mortgage arrears claim is higher than scheduled $30,743.97

proposed plan $598x60 base plan
paid in $2392
last claim 11-1
Matter ResolvedRequest
Adjourment
1566/24/2020 10:00 am20-12799 / MBKGeorge E Veitengruber IIIConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $595.00  Total Paid In: $2,125.00
AS OF 6/23/20 (SF) UPDATED

RECOMMEND $2125 PTD, $596 X 56 (BEGIN 7/1/20) BASE PLAN
- OTBS WITHIN 30 DAYS RESOLVING OBJ BY PHH
- The Trustee will pay $4000 attorney fee thru the plan

1. Objection filed by PHH Mortgage (RAS Citron) - failure to pay arrears of $27943.98 (RESOLVED, OTBS)
2. Per Disclosure Statement only $4000 for fees is due, not $4750. The Trustee will pay $4000 thru the plan
3. Trustee objection:
- The debtor has insufficient income income verified lower for both jobs using pay stubs provided.

Plan proposes $531 x 60 Base
Payments: 4/4

RESOLVED ISSUES:
- IRS filed estimated priority and unsecured claim 4-1 Missing 2015 and 2016 Returns (AMENDED)
- A copy of the last filed tax return - 2019 (RECEIVED)
- Must file pre-confirmation certification (RECEIVED)
Matter ResolvedRequest
Adjourment
1576/24/2020 10:00 am20-12841 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $485.00  
Debtor attorney requested adjournment, mod plan filed

As of 6/18/20 (DS): 1. Trustee obj to the following:
- Need Jan & Feb bank statements for all bank accounts.
- Plan does not specify treatment of TD Retail/Raymour & Flanigan (furniture) under the Plan, bifurcated claim filed $1,212 for furniture.

2. Must file Pre-confirmation certificate.

Prop Plan $485 x 60 Dollar Base $15,350
Matter ResolvedRequest
Adjourment
1586/24/2020 10:00 am20-12968 / MBKKirsten B. Ennis Confirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 2 of 5 required payments   Arrears: $750.00  
AS OF 6/18/20 (SF)

1. Objection filed by Carrington Mortgage (Stern, Lavinthal) - failure to pay arrears of $78,325.60 and loan mod date of 9/2020 is unreasonable.

2. There is no claim filed for Innsbruck Corp LLC (SHOULD THIS BE STRICKEN FROM PLAN?)

3. C&C Lawncare has not filed a claim. (SHOULD THIS BE STRICKEN FROM PLAN?)

4. US Dept of HUD filed a secured claim1-1 with zero arrears. Not addressed in plan or schedules

5. Trustee objection:
- The debtor has insufficient income to fund the plan. There is negative income.
- A copy of the last filed tax return - : Need 2018 tax returns. Need 2019 tax returns by 8/15/20.
- need updated income if debtor's job status changes.
- As of now, there is $26,312.09 of non exempt equity in real esate. (MOOT. THERE IS A SECOND MORTGAGE FOR US DEPT OF HUD WHICH IS NOT ADDRESSED IN PLAN)
- The confirming order must provide for the turnover of all non-exempt proceeds from medical malpractice claim.
- Statement of Financial Affairs indicates $2,500 was received from debtor on 2/3/20, however the Atty Disclosure Statement indicates $0 was received prior to filing.
- The CMA provided lists a value of $355,500 for real estate that is lower than the assessed value of $387,200. The Trustee will need a new CMA if the plan is modified to less than 100% to general unsecured creditors.
- Must file pre conf cert.
- add to confirming Order that all non exempt proceeds form the Medical Malpractice suit be paid to Trustee.

Plan proposes $250 x 36 100% Loan Mod by 9/1/20
Payments: 2/4 Arrears: $500
Matter ResolvedRequest
Adjourment
1596/24/2020 10:00 am20-13003 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

issues as of 6/17/2020
change in circumstance - reduction in pay due to COVID-19, requested updated paystubs to support (awaiting receipt, will work up terms once reviewed). Support will be reduced by 50% as oldest child turns 18

1) Trustee objection to confirmation - need to resolve
-need 401k loan statement PROVIDED, SHOULD BE PAID BY THE END OF JUNE, 2020 - RAISE PLAN PAYMENT $100 BEGINNING AUGUST 1 PLAN PAYMENT
-the debtors plan consists of unnecessary or excessive expense items, such as $525 telephone/cell/internet; $659 vehicle insurance; $755 car payment; $200 entertainment; $150 pet care
-the debtor is not paying all disposable income into the plan -income documentation verifies higher $6,570.14 than scheduled amount $6,351.18
-Form 122c Line #16 tax deduction should be reduced by the $523.92 pro rated tax refund
-Form 122c Line #34 cure amount should be reduced from $100,000 to $25,000 to coincide with the Plan
-the Schedules fail to account for the debtors tax refund in the amount of $6,287 when determining disposable income
-the circumstances and contents of the debtor's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. 1325(a)(3)
-debtor is seeking a loan modification to be completed by 9/30/2020, therefore the Plan should not be proposed at 0%
-debtor's counsel needs to file a fee application within 7 days confirmation
2) Metropolitan Life Insurance Company/Shellpoint Mortgage filed secured claim 14 with arrears in the amount of $882.04 - plan does not provide for payment of arrears - EITHER PAY ARREARS OF $882.04 THROUGH PLAN OR MOVE AGAINST CLAIM
3) Toyota Financial Services filed secured claim 15 for 2014 Honda Pilot with arrears in the amount of $1,510 - plan does not provide for payment of arrears - EITHER PAY ARREARS OF $1,510 THROUGH PLAN OR MOVE AGAINST CLAIM

proposed plan $600x60 loan mod by 9/30/2020 0% plan
paid in $2400
last claim 31
Matter ResolvedRequest
Adjourment
1606/24/2020 10:00 am20-13248 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 5 required payments   Arrears: $375.00  Total Paid In: $830.00
CONF AT 830 paid then 375 x 32 beg 7/1/20 pro rata

updated 6/22/2020
issues as of 6/18/2020

1) Diane D'Arpa (Sliwinski) objection to confirmation - CLAIM RECLASSIFIED TO $50,000 GUC CLAIM PER 6/19/2020 ORDER
-plan is not feasible NEED TO RESOLVE THIS ISSUE
2) Trustee objection to confirmation - need to resolve
-need Domestic Support Obligation Information for Diane D'Arpa per plan PROVIDED
-need to file pre confirmation certification with Court
3) 2019 shows refund $3779
4) Due to additional income from the tax refund, cannot be a zero percent plan
5) On 6/19/2020 Counsel for Diana D'Arpa (ex spouse) filed a memorandum to oppose the debtor's plan and to again object to confirmation - bad faith filing, NEED TO RESOLVE
6) Debtors counsel filed a Response to the Diana D'Apra's objection to confirmation - NEED TO RESOLVE


proposed plan $225x36 0%
paid in $830
arrears $70
last claim 19
Matter ResolvedRequest
Adjourment
1616/24/2020 10:00 am20-13275 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

issues as of 6/18/2020

1) CSMC 2019-JR1 Trust (Frenkel Lambert) objection to cram - need to resolve
-plan does not proposes to pay all pre petition arrears CLAIM FILED $25,580.55
2) Trustee note, the CSMC claim is treated in plan UNDER SELECT PORTFOLIO AND TREATS AS CRAM TO ZERO, NOTING THE DEBT WAS DISCHARGED IN PRIOR CHAPTER 7
3) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income, verified income leaves monthly disposable income of $14.53
-need a copy of the 2019 tax return on ro by 8/15/2020
-need a valuation of the business
-need Amendment to Schedule B listing 2019 Big Tex; 2008 Stev Flat; 2005 Pace and 2003 Trailer
-the debtor has failed to provide proof of service with respect to plan motions RESOLVED, CERTIFICATION OF SERVICE FILED
-need to file Pre Confirmation Certification with Court RESOLVED, FILED

proposed plan $590x60 0% plan
paid in $2360
last claim 4
Matter ResolvedRequest
Adjourment
1626/24/2020 10:00 am20-13301 / MBKPETER E ZIMNIS, ESQConfirmation Hearing ScheduledContinued
7/22/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $0  

AS OF 6/18/20 (SF)

1 Trustee objection:
- There is $5,747 non-exempt equity in real estate. (After review of the proof of claim, there is $6295.52 equity in real estate. Schedule C only takes an exemption of $10,444)
-The plan fails to provide for distribution to unsecured creditors when providing the order of distribution
-Need to provide proof of reason for separate classification of unsecured creditor-Attorney from divorce proceeding (NO PROOF PROVIDED AND NO CLAIM FILED)
-Need to provide for $391 monthly to gucs per 22c=$23,460 total for 60 months

Plan proposes $100 x 3, $200 x 57 Base
Payments: 4/4

RESOLVED ISSUES:
Domestic Support Obligation information (RECEIVED)
Matter ResolvedRequest
Adjourment
1636/24/2020 10:00 am20-13544 / MBKPETER E ZIMNIS, ESQConfirmation Hearing ScheduledContinued
9/1/2020 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $2,348.00  
As of 6/18/20 (DS): Debtor attorney requested adjournment, 341 sched 7/9/20

As of 4/27/20 (DS): Debtor attorney requested adjournment, still missing proof of income, will adjourn, must provide docs and request adj of 341 by 5/8/20
Matter ResolvedRequest
Adjourment
1646/24/2020 10:00 am20-13554 / MBKJOHN ZIMNIS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $2,000.00
As of 6/23/20 (DS): Ok to confirm at $500 x 60 begin 4/1/20 pro rata dividend to gucs

1. Mod plan reduced number of months to complete by 20 months. Case is above median and must be 60 months.

Prop Plan $500 x 40 Base
Note: CMA docs and DSO form provided. There is no equity on real property there is an IRS claim and Broker's opinion provided. IRS estimated claim resolved. Cert provided that Debtor's daughter contributes to pay towards car expenses. Proof of child support provided.
Matter ResolvedRequest
Adjourment
1656/24/2020 10:00 am20-13558 / MBKJOHN ZIMNIS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $245.00  Total Paid In: $755.00
as of 6/18/2020

ok to confirm at $250x60 begin 4/1/2020 base plan

proposed plan $250x60 base
paid in $755
last claim 6-1
Matter ResolvedRequest
Adjourment
1666/24/2020 10:00 am20-13559 / MBKJOHN ZIMNIS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,100.00
AS OF 6/22/20 (SF)

RECOMMEND $275 x 36 (BEGIN 4/1/20) BASE PLAN
- Pay $4701.52 to Select Portfolio, OTBS resolving creditor objection within 45 days

1. Objection filed by Select Portfolio (Lebron) - Total debt claim (Not sure of the purpose of the objection, the plan pays claim in full.)


Plan proposes $275 x 36 Base
Payments: 3/3


RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification. (FILED)
- Trustee objection regarding income can be withdrawn after recalculation EDC
- Trustee objection:
The debtor has insufficient income Verified income leaves monthly disposable income of -$54.98.. (INCOME RECALCULATED AND THERE IS NET DISPOSABLE INCOME OF $315.81) Proposed terms are ok
Matter ResolvedRequest
Adjourment
1676/24/2020 10:00 am20-13575 / MBKJAMES J CERBONE, ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 2 of 4 required payments   Arrears: $0  

issues as of 6/18/2020

1) Affinity Federal Credit Union (Liska) objection to confirmation - need to resolve
-pre petition arrears $13,029.62
2) Not current with Trustee plan payments, arrears $1,248 (only made 1 out of 2 plan payments)
3) IRS priority claim 9 is estimated for 2019 taxes
4) Plan proposes to pay Burnt Tavern Manor $5,830 through plan, proof of claim was filed as an unsecured claim
5) Trustee objection confirmation -need to resolve
-need current market analysis for timeshare
-need a modified plan that states the amount of months in the plan
-need amendment to schedules to add the timeshare
-need to resolve creditor objection


proposed plan $624x?? 0% plan
paid in $624
arrears $1248
last claim 16
Matter ResolvedRequest
Adjourment
1686/24/2020 10:00 am20-13644 / MBKSTEVEN J. SICOConfirmation Hearing ScheduledConfirmedDebtor has made 1 of 4 required payments   Arrears: $1,202.00  Total Paid In: $1,680.00
UPDATED 6/23/2020

confirm at $1,680 paid to date, $1,202x57 begin 7/1/2020 which includes minimum $16,050 dividend to general unsecured creditors
-2019 tax return provided by 8/15/2020
-IRS priority claim 4 to be amended by 9/1/2020

issues as of 6/18/2020

1) Specialized Loan Servicing LLC (Stewart Legal) objection to confirmation - RESOLVED, CONSENT ORDER
2) IRS priority claim is estimated for 2019 return ADD NOTE TO CONFIRMING ORDER
3) Trustee objection to confirmation - need to resolve
-need a copy of the 2019 return by 8/15/2020 ADD NOTE TO CONFIRMING ORDER
-need a copy of the pension loan statements for spouse PROVIDED
-the debtor has undertaken an improper use of exemption. Specifically improper (d)(1) exemption taken on 2007 Infiinty G24 and 2015 Toyota Tundra NOT RESOLVED, THE NON EXEMPT EQUITY IN THE 2007 INFINITI $2,021 AND NON EXEMPT EQUITY IN THE 2015 TOYOTA TUNDRA $14,029 FOR TOTAL NON EXEMPT EQUITY OF $16,050 TO BE PAID TO GENERAL UNSECURED CREDITORS THROUGH PLAN
4) To resolve the Trustee objection would need to confirm at $1,680 paid to date, $1,202x57 begin 7/1/2020 which includes minimum $16,050 dividend to general unsecured creditors

proposed plan $560x60 base
paid in $1680
last claim 17

Matter ResolvedRequest
Adjourment
1696/24/2020 10:00 am20-13680 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
8/26/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $400.00  
AS OF 6/17/2020 (at):

1. Harley Davidson filed secured arrears claim #23 in the amount of $540.65 which is not in the plan. Is it ok to pay this claim? (PER ATTORNEY, OK TO PAY)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - (last 2 months April & May 2020 for debtor and co-debtor) (NOT RECEIVED)
- The debtors must resolve the estimated IRS claim (STILL ESTIMATED)
- The payments need to increase in 16 months when the pension loan end

Plan proposes: $400 x 60, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1706/24/2020 10:00 am20-13976 / MBKSCOTT E. TANNE, PC.Confirmation Hearing ScheduledContinued
8/18/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $300.00  
AS OF 6/22/2020 (at): 6/10/20 Per Bud, no docs received.sf

1. 341 is scheduled for 7/23/20
2. Payments: 3/3
Matter ResolvedRequest
Adjourment
1716/24/2020 10:00 am20-13978 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
8/26/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $492.00  
Debtor attorney requested adjournment to resolve IRS, adjourned peremptory, no further adjournments.

As of 6/19/20 (DS): 1. IRS CLAIM HAS 2 DIFFERENT SOCIAL SECURITY #8008 AND #7813, 7813 IS CORRECT, CLAIM HAS TO BE RESOLVED. #8008 is for 2013 - 2017 TAXES. IF TAXES ARE LESS, THERE WILL BE ADDITIONL NON-EXEMPT EQUITY.

As of 5/4/20 (DS): Debtor attorney requested adjournment to resolve IRS incorrect to check into different SS numbers. NOTHING DONE ON THIS.

5/5/20 (DS): Need to confirm at $492 x 2 begin 4/1/20, $752 x 58 begin 6/1/20 Base with a minimum dividend $22,967.92 and reserve $9,975.87, due to non-exempt equity on real property, add to confirming order Trustee ok to pay the arrears claim of IRS Claim#3-2 and within 10 days must file Pre-confirmation certificate.

1. IRS filed estimated claim, 2018 tax return not filed, also claim not listed to be paid in Plan. Must resolve claim. Amended claim filed.

2. Must file Pre-confirmation certificate.

Prop Plan $492 x 60 Dollar Base $22,967.92
Note: Expense moot.
Matter ResolvedRequest
Adjourment
1726/24/2020 10:00 am20-13980 / MBKFRANK J FISCHER, ESQConfirmation Hearing ScheduledContinued
8/4/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

issues as of 6/18/2020

1) JP Morgan Chase Bank (Phelan) objection to confirmation - need to resolve
-approximate arrears $62,770.80
-RESOLUTION OF OBJECTION NEEDS TO NOTE LATE FILED CLAIM TO BE PAID
2) Global Lending Services LLC (Stewart Legal Group) objection to confirmation - need to resolve
-plan does not provide for treatment of 2018 Buick Encore
3) Trustee objection to confirmation - need to resolve
-debtor has insufficient income - verifies much lower than scheduled
-need to provide a copy of the following tax returns: 2018 for spouse, 2019 for debtor and spouse
-need proof of auto insurance
-need proof of value on 2018 Buick Encore
-need modified plan that corrects real property involved in sale, refi and/or loan mod
-excessive expenses: Homeowners $250 (proof of insurance shows $116.36/monthly); food $800 (grandson listed as dependent, not on tax return); auto insurance $263; non-debtor expenses $1,500 (requires proof of expenses); no housing expense on Schedule J - plan is 100%
-non exempt equity in real property $84,007.50 MORTGAGE POC HIGHER, REDUCES N/E EQUITY TO $74,208.70; bank account $312.06 and possibly vehicle
-must add to confirming order non exempt proceeds from malpractice lawsuit
-need status of lawsuit from attorney David Shaver
-must file Pre Confirmation Certification
4) Plan treats JP Morgan Chase as paying $36,352 in arrears in Part 4c but in Part 4g as pay in full $238,000 through plan - NEED TO CLARIFY TREATMENT OF THIS CLAIM

proposed plan $100x60 100% plan with refi/loan mod 12/31/2020 or sale by 4/1/20201
paid in $200
arrears $100
last claim 6-1
Matter ResolvedRequest
Adjourment
1736/24/2020 10:00 am20-13990 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
8/12/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $500.00  
As of 6/19/20 (DS): Debtor attorney requested adjournment to allow time to file mod plan and motion for loss mit, sched 7/8/20

As of 6/18/20 (DS): 1. Trustee obj to the following:
- Debtor has undertaken an improper use of exemption. Over exempts on d(4) and d(5) on 2011 Jeep. There is non-exempt equity on 2011 Jeep $2,602.
- Amendments to Schedules I to include the $700 pension that the debtor is receiving
- Post-pet mortgage payments $5,400 being paid to mortgage? Trustee requires proof.
- Must add to confirming order non-exempt proceeds from sale of residence.
- Fee app required for attorney fees.
- Must resolve IRS estimated claims, 2019 tax return not filed.
- Must resolve creditor objection.
- Must file Pre-confirmation certificate.

2. JPMorgan Chase obj to sale and arrears not paid. Obj must be resolved.

3. Wells Fargo (2nd mtg) filed unsecured claim.

4. Exeter Finance filed arrears $5.40. Ok to pay?

5. IRS claim is estimated, 2019 tax return not filed and not provided. Must provide 2019 tax return, if not filed, then must resolve claim and provide 2019 tax return no later than 8/15/20.

Prop Plan $500 x 60 Base and Sale of Green Meadow Rd by 11/30/20
Note: Proof of Social security and pension income from Debtor and updated homeowner insurance provided. 22c is moot, there is no disposable income after deducting the excess expenses.
Matter ResolvedRequest
Adjourment
1746/24/2020 10:00 am20-14020 / MBKWARREN LEVYConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 4 required payments   Arrears: $2,838.00  Total Paid In: $7,050.00
AS OF 6/18/2020 (at):

RECOMMEND: $7,050 PAID TO DATE, $2,838 x 45 BEGINNING 7/1/2020, 100% TO GUC'S
Need Order resolving objection by Policy and Fireman's Retirement within 30 days of confirmation.
Need 2019 tax return by 8/30/2020.

1. Objection filed by Police and Fireman's Retirement (Phelan) - failure to cure full arrears of $82,126.71. (RESOLVED)

2. Objection filed by PNC Mortgage (KML) - loan matures during the life of the bankruptcy. Full amount to pay off 3rd mortgage is $35,513.21. (RESOLVED)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2019 by 8/30/2020. (NOT RECEIVED)
- Need a statement for the debtor's pension loan. (RECEIVED)
- Need proof of insurance for the 2007 Jeep (sold - need Cert). (NOT PROVIDED)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): -
- Verified income leaves monthly disposable income of $7,736.50.
- Reviewed the 22C, monthly gross income is $19,937.62. Line 17 (involuntary deductions) should be $1,186.71 and Line 23 (optional telephone) requires documentation. Per the 22C, monthly disposable income is $8,765 which requires a minimum dividend of $525,900 to general unsecured creditors.
- Need to file Pre-confirmation Certification. (FILED)

Plan proposes: $2,350 x 60, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1756/24/2020 10:00 am20-14158 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing on Modified PlanDismissed - Hold FeesDebtor has made 3 of 4 required payments   Arrears: $0  

AS OF 6/24/20 (SF)

1. 341 NOT HELD - MISSING DOCUMENTS
2. PAYMENTS: 1/3 ARREARS: $400
Matter ResolvedRequest
Adjourment
1766/24/2020 10:00 am20-14186 / MBKSTEVEN J ABELSON, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $897.00  Total Paid In: $2,691.00
AS of 6/23/20(mk):Updated.


**REC CONFIRM $897 X 60, BEGIN 4/1/20;BASE;Trustee is authorized to pay arrears claim#7-1 of Capital Auto Finance in the amount of $328.10. Order of distribution is per plan.**



1. IRS filed ESTIMATED POC. (Amended POC filed 6/23/20).

2. Trustee Objection:
- debtor has insufficient income it verifies $-504.84.(Debtor is current 3/3).
-need 2019 tax return for both Debtors by 8/15/20.(Provided))
-need Auto insurance for 1995 Ford Mustang and updated auto insurance for other vehicles,
insurance expired 4/8/20.(Provided)
No equity in RE- POC filed by Mtg.
- Distribution is Per Plan.
-add lang to confirming Order that Capital One on the 20013 Kia Capital is unaffected
and current(POC filed & atty will pay)
-need proof of current homeowner's insurance which provides personal
liability coverage, insurance provided is forced insurance by mortgage.( AR SUBMITTED

3.Objection by Freedom MTg(Phelan):
-plan fails to pay full amt of arrears-will file POC (otbs - Phelan)-PAYS POC

4.Objection by Capital One Auto(Mester):
-plan fails to treat-arrears $328.10. (PER ATTY- PAY)

5. Notice of Forebearance(#22) filed 5/5/20 by Freeedoom Mtg.- 3 mos Apili-June. Payments due 7/1/20( It does not state what the moly Mtg payment is)
HOW WILL DEBTOR HANDLE THIS?(Per atty- debtor already made 1 repayment- no mod. of loan required)

Plan: 897 x 60;Base.
Payments:3/3
last claim 18-1, bar date:5/20/20
Matter ResolvedRequest
Adjourment
1776/24/2020 10:00 am20-14236 / MBKStephen M. Zullo Confirmation Hearing ScheduledContinued
8/4/2020 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $88.00  
AS OF 6/18/20 (SF)

1. Motion to Pay State of NJ $303 thru the plan as priority scheduled for 6/24/20 at 9 (No opposition filed)

2. Trustee objection:

- A Modified Plan that pays student loans outside plan. (per attorney paid off already)

- Amendments to Schedules B & C to include the 2007 Scion (SCHEDULE A/B AMENDED. THERE IS $3439 NON-EXEMPT EQUITY IN 2007 SCION)
- Need proof of separate service as to cram of interest rate for Toyota Motor Credit. In addition, the plan proposes an interest rate cram but does not propose to pay claim through the plan. (MUST RESOLVE, IS THIS A CRAM? ALSO LISTED AS UNAFFECTED. THE CLAIM WAS FILED WITH ZERO ARREARS) UNAFFECTED PER MODIFIED PLAN

- File pre-confirmation certification. (STILL NEED)


Plan proposes $693 x 2, $781 x 58 Base
Payments: 2/2

RESOLVED ISSUES:
- Need Bank Statements for 60 days prior to filing through date of filing for Bank of America Savings Account ending in 6333.


- Excessive deductions taken on 122C: MOOT
Line 17: Need breakdown of $3507 for involuntary deductions
Line 30: $42 additional food and clothing (need documentation)
- Disposable income per line 45 may be higher and will require dividend to general unsecured creditors.
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Matter ResolvedRequest
Adjourment
1786/24/2020 10:00 am20-14254 / MBKEUGENE SONGConfirmation Hearing ScheduledContinued
7/28/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $5,564.00  
AS OF 6/17/2020 (at):

DEBTOR FILED A MODIFIED PLAN AND MADE ONE PAYMENT

341 Scheduled for 6/25/2020
Matter ResolvedRequest
Adjourment
1796/24/2020 10:00 am20-14443 / MBKRYAN L GENTILEConfirmation Hearing on Modified PlanConfirmedDebtor has made 2 of 4 required payments   Arrears: $1,120.00  Total Paid In: $1,794.00
As of 6/16/20(mk):


*** CAN REC CONFIRM AT $1,794 PTD, THEN $1,120 X 57 ,BEGIN 7/1/20; BASE***


1. Trustee objection:RESOLVED
-122C, dispos. income is $401 which require min. div. of $24,060 to gucs.9Amended 22C filed)
-need to file Pre-Confirmation Cert. (Filed)

Plan: $897 X 3; $1120 X 57; BASE
payments:2/3
last claim:12-1, bar date:5/25/20
Matter ResolvedRequest
Adjourment
1806/24/2020 10:00 am20-14584 / MBKGeorge E Veitengruber IIIConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $3,508.00  Total Paid In: $10,524.00
UPDATED 6/23/2020

OK TO CONFIRM AT $3,508X60 BEGIN 4/1/2020 100% PLAN
-ONE MAIN FINANCIAL GROUP CLAIM 1 TO BE TREATED IN THE PLAN AS CURRENT AND UNAFFECTED BY PLAN
-WELLS FARGO OBJECTION RESOLVED, CONSENT ORDER SUBMITTED TO COURT
-2019 TAX RETURN TO BE PROVIDED TO TRUSTEE BY 8/15/2020
-IRS PRIORITY CLAIM 7 TO BE AMENDED BY 9/1/2020
-STUDENT LOANS TO BE PAID OUTSIDE PLAN

issues as of 6/18/2020

1) Wells Fargo Bank (Shapiro & DeNardo) objection to confirmation - need to resolve
-plan does not address post petition payments of $1,236.06
A CERTIFICATION OF CONSENT REGARDING CONSENT ORDER RESOLVING OBJECTION FILED 4/17/2020, HOWEVER WE DO NOT HAVE AN ORDER TO DATE - NEED TO RESOLVE
2) OneMain Financial Group LLC (Weber Gallagher) objection to confirmation - need to resolve
-2007 Chevrolet Avalanche
-plan fails to treat claim in plan
-no arrears on filed claim
3) Trustee objection to confirmation - need to resolve
-need proof of 2 months income - on how debtors salary is calculated on Schedule I (net $3,384.91 apart from the P&L for business income) NOT PROVIDED TO DATE
-statements on the 2 whole life policies listed on Schedule B showing cash surrender value NOT PROVIDED TO DATE
-the debtors plan consists of unnecessary or excessive expenses - need proof/explanation for all of the following expenses: life insurance $951; Mom Rehab facility $500; whole life insurance repayment $400; security alarm $73; Orthodontist $325; Dance $400; vocal lessons $346 NOT ADDRESSED TO DATE
-the debtors are not paying all disposable income into plan - Form 122c Line 21 childcare $800 need proof; Line 45 shows disposable income of $4,131.48 which requires minimum $247,888 dividend to general unsecured creditors NOT ADDRESSED TO DATE
-add to confirming order student loans to be paid outside plan
4) IRS priority claim estimated 2019 taxes ADD NOTE TO CONFIRMING ORDER PROVIDE RETURN BY 8/15/2020, AMENDED PROOF OF CLAIM BY 9/1/2020

proposed plan $3508x60 base plan
paid in $10,524
Matter ResolvedRequest
Adjourment
1816/24/2020 10:00 am20-14585 / MBKGeorge E Veitengruber IIIConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $487.00  Total Paid In: $7,060.00
updated 6/24/2020

ok to confirm at $5,295 paid to date, $2,252x57 begin 7/1/2020 which includes minimum $96,791.37 dividend to general unsecured creditors
issues as of 6/24/2020

1) IRS filed priority claim #5 in the amount of $19,485 for 2019 taxes - claim not in plan, need to address claim
2) Trustee objection to confirmation - need to resolve
-need valuation of timeshare NOT PROVIDED TO DATE
-need a modified plan that treats timeshare NOT FILED TO DATE
-excessive expense $1,094 health insurance/month - need to provide proof of this monthly expense NOT PROVIDED TO DATE
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - non exempt equity of $1,600 in jewelry; non exempt equity of $3, 149.72 in Wells Fargo checking account and as of now there is $117,528.61 in non exempt equity in real property MORTGAGE CLAIM HIGHER AND THERE IS A PRIORITY IRS CLAIM $19,485 REDUCED NON EXEMPT EQUITY IN PROPERTY TO $92,041.65 FOR TOTAL NON EXEMPT EQUITY $96,791.37


proposed plan $1,765x60 base plan
paid in $5295
last claim 23
Matter ResolvedRequest
Adjourment
1826/24/2020 10:00 am20-15133 / MBKDAVID G BESLOW, ESQConfirmation Hearing ScheduledContinued
8/26/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $400.00  
As of 6/18/20(Mk)



1. IRS Estimated POC for 2019 taxes- No return filed.

2. Objection by Wells Fargo( Powers):
-plan fails to pay arrears.

3. ALLY - NOT IN PLAN& They Filed Bifurcated Claim. Has secured amt, unsecured & Arrears.
NEED TO KNOW HOW TO TREAT THIS CLAIM?
Are we to pay arrears only?

4. Trustee Objection:
- need statement showing balance on pension loan.
- add lang .Std Loans Outside.
-need 2019 tax Return by 8/15/20.
Need to file Pre-Confirmation Certification.
Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
Need to resolve objection by Wells Fargo.
Need to resolve estimated claim filed by the IRS.
Distribution Order is Not TR Std- Is it to be Per plan?



Plan:400 x 60,Base
payments:3/3
last claim:15-1, bar date:6/9/20
Matter ResolvedRequest
Adjourment
1836/24/2020 10:00 am20-15186 / MBKWARREN S JONES, JR ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $2,612.00
AS of 6/14/20(mk):

***REC. CONFIRM AT $1,980 PTD, THEN $632 X 57, Begin 7/1/20:BASE W/MIN $11,339.91 TO GUCS DUE TO NE EQUITY IN RE;MUST FILE PRE CONF CERT W/IN 10 DAYS***



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

2. Objection By Nothfiled Bank(Maselli)
- plan fails to pay full poc amt(Order entered pays POC)

3.Trustee objection:
-debtor has insufficient income. Verified income leaves $433.19 p/m.( Response disagrees & debtor is current)
-2nd mtg POC filed & there is now $10,544 NE Equity in residence.
(most recent plan div. is $11,339.91) .
-need to file Pre-Confirmation Certification.


Plan: MP 660 x 2;632 x 58;min $11,339.91
payments:3/3
last claim:6-1, bar date:6/9/20
Matter ResolvedRequest
Adjourment
1846/24/2020 10:00 am20-15380 / MBKJOHN ZIMNIS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $15.00  Total Paid In: $705.00
6/16/18(mk): atty ok to terms


***REC CONFIRM AT $470 PTD, THEN $250 x 34, Begin 7/1/20; Base w/ min to gucs $5,844.57 Due to NE Equity in Real & Personal property***

5/25/20(mk): atty disputes mtg POC as to balance; He got a payoff from Wells Fargo as of 5/22/20 and that balance $39,433.42. Per AR ok to use higher bal form payoff. Reduces T/H to $5,170.57 674 in bk acct=$5844.57. So will be base w/ min $5,844.57 to gucs due to NE Equity in Real Property & Personal Property.***


As of 5/19/20(mk):Updated
>>IF OK TO PAY ARREARS In #1, THEN ***CAN REC. CONFIRM AT 470 PTD,THEN $303 X 35 BEGIN 6/1/20, BASE W/ MIN DIV. TO GUCS OF $7,743.07 DUE TO NE EQUITY IN RE & PERSONAL PROPERTY***

1. Wells Fargo on Mtg. filed POC arrears $95.93- OK TO PAY?
2. Trustee Objection:
-There is non-exempt equity on real property $7,069.07, Checking account $674
total $7743.07. HIS IS T/H to gucs.
- Arrears claim filed by Wells Fargo $95.93.
- Must file Pre-confirmation certificate.(filed).
-Proof of cash value for Life Insurance ( Provided).

Plan:235 x 36: $5603 base.
payments:2/2
last claim:12-1, bar date:6/16/20
Matter ResolvedRequest
Adjourment
1856/24/2020 10:00 am20-15668 / MBKANDREW CARROLL, ESQ.Confirmation Hearing ScheduledContinued
7/22/2020 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $625.00  
Matter ResolvedRequest
Adjourment
1866/24/2020 10:00 am20-15674 / MBKSTEVEN J ABELSON, ESQConfirmation Hearing ScheduledContinued
9/9/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

341 now on for 7/23/20.
Matter ResolvedRequest
Adjourment
1876/24/2020 10:00 am20-15718 / MBKANDREW B FINBERG ESQConfirmation Hearing ScheduledContinued
8/4/2020 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $600.00  
AS OF 6/18/2020 (at):

1. 341 is scheduled for 7/16/2020
2. Payments: 1/2, arrears $600
Matter ResolvedRequest
Adjourment
1886/24/2020 10:00 am20-15885 / MBKBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledContinued
8/26/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

As of 6/18/20 (DS): Debtor attorney requested adjournment to allow time to reschedule 341
Matter ResolvedRequest
Adjourment
1896/24/2020 10:00 am20-15892 / MBKBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $1,545.00
As of 6/18/20 (DS): -Atty ok with terms.sf

Recommend confirming at $515 x 60 begin 5/1/20 Base with min to gucs of $12,234.71, due to non-exempt equity on real property and add to confirming order Trustee ok to pay the arrears claim of Arvest Central claim#4-1

1. Trustee obj to non-exempt equity on real property of $12,234.71.

2. Arrears claim filed by Arvest Central for $4,892.86. Ok to pay?

Prop Plan $515 x 60 Base
Matter ResolvedRequest
Adjourment
1906/24/2020 10:00 am20-16198 / MBKEric ClaymanConfirmation Hearing ScheduledContinued
7/8/2020 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

get 341 scheduled or D

issues as of 6/18/2020

1) 341 not held, not rescheduled - still missing documents required for hearing to be held
2) Citizens Bank objection to confirmation - need to resolve
3) Current with Trustee plan payments
4) need to file Pre Confirmation Certification with Court
Matter ResolvedRequest
Adjourment
1916/24/2020 10:00 am20-16236 / MBKDANIEL L. REINGANUMConfirmation Hearing ScheduledContinued
8/26/2020 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,500.00  
issues as of 6/18/2020


1) Credit of NJ filed secured claim 6 for 2015 Ram Truck 1500 with zero arrears, add note to confirming order creditor to be treated as current and unaffected by plan
2) Trustee objection to confirmation - need to resolve
-debtor not paying all disposable income into plan - verified income leaves monthly disposable net of $2.,166.09
-debtor not paying all disposable income into plan - Form 122c monthly disposable on line 45 $808 which requires minimum $48,480 dividend to guc's
-Form 122c, Line 22 additional health expenses requires supporting documentation for expense
-need to resolve estimated IRS priority claim, taxes for 2019 by 8/15/2020
-need certification explaining higher income due to paid time off February, which increased average income
3) To resolve Trustee objection, Trustee proposes confirmation at $1,500 paid to date, $1,783x59 begin 7/1/2020 minimum $48,480 dividend to general unsecured creditors
-IRS priority claim 2 to be amended to show $9,419 due to IRS for 2019 taxes
-Credit Union of New Jersey claim 6 for 2015 Ram Truck 1500 to be treated a current and unaffected by plan

proposed plan $1,500x60 base plan
paid in $1500
last claim 11
Matter ResolvedRequest
Adjourment
1926/24/2020 10:00 am20-16376 / MBKPRO SEConfirmation Hearing ScheduledContinued
8/26/2020 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 6/16/2020 (at):

Trustee's objection:
The debtor has insufficient income to fund the plan until proof of unemployment is received.
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - . Need proof of unemployment income for co debtor.
- A Modified Plan that completes Parts5a, 8a, 8c and 8d.
- Also need to complete Schedule C.
The Schedules fail to account for the debtor(s) tax refund in the amount of $877.00 when determining disposable income.
The Plan divides unsecured claims into classes with no rational basis and discriminates unfairly against a class in violation of 11 U.S.C. ? 1322(b)(1).
- Specifically: E-Z pass and Xfinity is listed under separately classified unsecured.
- File pre-confirmation certification.
- status of law suit related to 911.
- any non exempt proceeds from lawsuit to be paid to Trustee.

Plan proposes: $100 x 48, plan does not address unsecured claims
Payments: 1/1
Matter ResolvedRequest
Adjourment
1936/24/2020 2:00 pm15-14867 / MBKCANDYCE I SMITH-SKLAR, ESQMotion CompensationOrder Previously SubmittedTotal Paid In: $25,459.00
5/29 AMT: ppsd order is for $1950 in plan. There are insufficient surplus funds to pay atty clm. Plan in mo 60.
Matter ResolvedRequest
Adjourment
1946/24/2020 2:00 pm16-29690 / MBKWARREN BRUMEL, ESQMotion compensationGrantedTotal Paid In: $16,050.00
No trustee obj
Matter ResolvedRequest
Adjourment
1956/24/2020 2:00 pm17-23928 / MBKJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $13,909.00
Matter ResolvedRequest
Adjourment
1966/24/2020 2:00 pm18-24207 / MBKSTEVEN N. TAIEB, ESQ.Motion CompensationGrantedTotal Paid In: $29,290.00
Matter ResolvedRequest
Adjourment
1976/24/2020 2:00 pm19-15737 / MBKWilliam H. Oliver, Jr., Esq.Motion CompensationGrantedTotal Paid In: $4,036.00
OK EDC
Matter ResolvedRequest
Adjourment
1986/24/2020 2:00 pm19-22440 / MBKAndrew Thomas Archer Motion CompensationGrantedTotal Paid In: $5,000.00
Matter ResolvedRequest
Adjourment
1996/24/2020 2:00 pm19-27771 / MBKWilliam H. Oliver, Jr., Esq.Motion CompensationGrantedTotal Paid In: $3,996.00
OK EDC
Matter ResolvedRequest
Adjourment
2006/24/2020 2:00 pm20-12522 / MBKAllen I. Gorski, Esq.Motion CompensationGrantedTotal Paid In: $2,200.00
OK 100% EDC
Matter ResolvedRequest
Adjourment
2016/24/2020 2:00 pm20-12828 / MBKPRO SEOrder Show CauseJudge to Reserve Decision
FILING FEES
Matter ResolvedRequest
Adjourment
2026/24/2020 2:00 pm20-15892 / MBKBRUCE C TRUESDALE ESQOrder Show CauseWithdrawnTotal Paid In: $1,545.00
FILING FEES
Matter ResolvedRequest
Adjourment
2046/24/2020 2:00 pm20-16559 / MBKPRO SEOrder Show CauseJudge to Reserve Decision
CREDIT COUNSELING
Matter ResolvedRequest
Adjourment
2036/24/2020 2:00 pm20-16559 / MBKPRO SEOrder Show CauseJudge to Reserve Decision
MISSING DOCS
Matter ResolvedRequest
Adjourment
2056/24/2020 2:00 pm20-16825 / MBKMark Kriegel Order to Show CauseJudge to Reserve Decision
MISSING DOCS
Matter ResolvedRequest
Adjourment
2066/24/2020 2:00 pm20-16905 / MBKYAKOV RUDIKHOrder Show CauseJudge to Reserve Decision
FILING FEES
Matter ResolvedRequest
Adjourment
2076/24/2020 2:00 pm20-16965 / MBKROBERT C NISENSON ESQOrder Show CauseJudge to Reserve Decision
MISSING DOCS
Matter ResolvedRequest
Adjourment
2086/24/2020 2:00 pm20-16989 / MBKBrian Gregory HannonOrder Show CauseJudge to Reserve Decision
MISSING DOCS
Matter ResolvedRequest
Adjourment
2096/24/2020 2:00 pm20-17063 / MBKBRUCE C TRUESDALE ESQOrder Show CauseJudge to Reserve Decision
FILING FEES
Matter ResolvedRequest
Adjourment
2106/24/2020 2:00 pm20-17107 / MBKDONALD C GOINS, ESQOrder Show CauseJudge to Reserve Decision
MISSING DOCS
Matter ResolvedRequest
Adjourment
2116/24/2020 2:00 pm20-17139 / MBKMelinda D Middlebrooks, EsqOrder Show CauseJudge to Reserve Decision
MISSING DOCS
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes