Judge Christine M. Gravelle
Hearing Date: 7/1/2020
Hearing Count: 171
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
17/1/2020 9:00 am15-17865 / CMGKirsten B. Ennis Motion to Approve SettlementGrantedTotal Paid In: $109,191.00
MTN TO APPROVE SETTLEMENT
Matter ResolvedRequest
Adjourment
27/1/2020 9:00 am15-23433 / CMGVERA FEDOROFFMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
6/8 AMT: Refi closing disl received/to audit<<<>>>
FAILED TO COMPLETE REFI OF PARK AVE PPTY BY 1/31/20
Matter ResolvedRequest
Adjourment
37/1/2020 9:00 am15-25987 / CMGROBERT MANCHEL ESQMotion to Approve SettlementGrantedTotal Paid In: $12,470.00
Matter ResolvedRequest
Adjourment
47/1/2020 9:00 am16-27882 / CMGTHOMAS E DOWEYCreditor Certification of DefaultNeeds Resolution of Issues : ObjectionsTotal Paid In: $47,578.00
adj peremptory to 7/1/20
BSI FINANCIAL (Stern & E)

6/21/20:TR ARREARS 1,105.80
Matter ResolvedRequest
Adjourment
47/1/2020 9:00 am16-27882 / CMGTHOMAS E DOWEYCreditor Certification of DefaultWithdrawnTotal Paid In: $47,578.00
cert w/d

NFA
BSI FINANCIAL (Stern & E)

6/21/20:TR ARREARS 1,105.80
Matter ResolvedRequest
Adjourment
57/1/2020 9:00 am16-34490 / CMGDAVID G BESLOW, ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $26,214.00
Debtor obj<>PHH MTG (RAS)

Matter ResolvedRequest
Adjourment
67/1/2020 9:00 am17-17159 / CMGJAMES J CERBONE, ESQMotion Relief from Co-Debtor StayOrder Previously SubmittedTotal Paid In: $63,719.00
Debtor obj<>SPECIALIZED LOAN SERVICING (STEWART LEGAL)

6/3/20: CO submitted to chambers today.
Matter ResolvedRequest
Adjourment
77/1/2020 9:00 am17-17600 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $28,492.00
SV/HOME POINT #8-1
Arrears $5,565. Last pay 2/24/20
Matter ResolvedRequest
Adjourment
87/1/2020 9:00 am17-18755 / CMGJOSEPH CASELLO ESQMotion Relief from Co-Debtor StayGrantedTotal Paid In: $18,000.00
ENERBANK USA (MORTON)
Matter ResolvedRequest
Adjourment
97/1/2020 9:00 am17-21379 / CMGJOAN S. WARREN, ESQ.Motion Sell Free and Clear of Liens under 363(f) (FEE)Order Previously SubmittedTotal Paid In: $6,105.00
705 OXFORD ST

TR limited Obj.- RESOLVED --REVISED ORDER SUBMITTED 6/15/20.
Matter ResolvedRequest
Adjourment
107/1/2020 9:00 am17-22101 / CMGKevin Fayette, EsqMotion Relief from Stay (Fee)GrantedTotal Paid In: $15,300.00
CREDIT UNION OF NEW JERSEY/2012 CTS V6 (PETER LISKA)
Matter ResolvedRequest
Adjourment
117/1/2020 9:00 am17-27272 / CMGMarc C. Capone, Esq.Motion Relief from Co-Debtor StayContinued
7/15/2020 9:00 am
Total Paid In: $14,596.00
Debtor obj<>NEWREZ/SHELLPOINT MTG (STEWART LEGAL GROUP)
Matter ResolvedRequest
Adjourment
127/1/2020 9:00 am17-28521 / CMGAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $22,955.00
5/29/20(mk): atty email MP filed today. Hearing 7/1/20. ON HR

Debtor obj<>SV/BANK OF NY #2-2

Debtor says will surrender Re & filing a MP
Matter ResolvedRequest
Adjourment
137/1/2020 9:00 am17-29195 / CMGKurt E. Reinheimer, Esq.Motion Relief from Stay (Fee)Continued
7/15/2020 9:00 am
Total Paid In: $53,472.00
Debtor obj<>THE MONEY SOURCE (STRWART LEGAL)
Matter ResolvedRequest
Adjourment
147/1/2020 9:00 am17-33020 / CMGSTEVEN J ABELSON, ESQMotion Relief from Co-Debtor StayContinued
7/15/2020 9:00 am
Total Paid In: $11,076.00
6/30/20: Will either be OTBS Or need 2 weeks for Creditor atty client to approve resolution.

AR PARTIES CAN NOT AGREE ON CURE
AR NOTE MULT TR DEFAULTS NO PYMTS SINCE LAST RECAP (12/2019) Arrears as of 6/25/20 are $2430

May be adj. atty waiting for client consent

Debtor obj<>WILMINGTON SAVINGS (STERN & EISENBERG)
Matter ResolvedRequest
Adjourment
157/1/2020 9:00 am18-10451 / CMGDANIEL L. REINGANUMMotion for Relief of StayGrantedTotal Paid In: $5,800.00
THIS MAY BE HELD FOR 12:00 for JUDGE. waiting to hear from atty


Debtor obj<>Nationstar Mortgage(Reverse Mtg)
Matter ResolvedRequest
Adjourment
167/1/2020 9:00 am18-14112 / CMGAndrew Thomas Archer Creditors Certification of DefaultDismissed - Hold FeesTotal Paid In: $5,242.00
CARRINGTON ( stern & l)
Matter ResolvedRequest
Adjourment
177/1/2020 9:00 am18-16547 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $6,000.00
SV/FREEDOM MTG #6-1; ARREARS $3,216 as of 6/25/20.Last pay 2/19/20.
Matter ResolvedRequest
Adjourment
187/1/2020 9:00 am18-18635 / CMGWilliam H. Oliver, Jr., Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)Order to be SubmittedTotal Paid In: $12,761.00
Granted subject to bank's approval

Mk> Order needs to state atty fee amount not per HUD<<<>>>
Trustee limited obj<> MTN TO SELL BENJAMIN CIRCLE

Revised Order submitted 6/8/20.BANK OBJECTING -NO APPROVAL FOR SHORT SALE

Obj by McCalla
Matter ResolvedRequest
Adjourment
197/1/2020 9:00 am18-20979 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayContinued
7/15/2020 9:00 am
Total Paid In: $24,575.00
Debtor obj<>WILMINGTON SAVINGS (RAS)
Matter ResolvedRequest
Adjourment
207/1/2020 9:00 am18-21142 / CMGWilliam H. Oliver, Jr., Esq.Motion Motion (Generic) - Only use if no other event is applicableOrder Previously SubmittedTotal Paid In: $5,929.00
MTN TO SUSPEND TRUSTEE PAYMENTS

>>TR Obj.- Needs Revised Order. ***Revised Order submitted to chambers 6/30/20

6/29/20: atty email:Revised Order will be circulated with the terms recommended in the objection;
Debtor will make June and July payment by end of July as she has just returned to work; payment in August; regular payment to resume September.
Matter ResolvedRequest
Adjourment
217/1/2020 9:00 am18-21743 / CMGGilberto M. Garcia Motion Reinstate StayGrantedTotal Paid In: $14,560.00
MTN TO REINSTATE STAY
Matter ResolvedRequest
Adjourment
227/1/2020 9:00 am18-24911 / CMGJonathan Stone, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
7/15/2020 9:00 am
Total Paid In: $6,398.00
6/30/20(mk): Email form R. Lebron, esq.-still working on resolving- may need add'l time.

6/2/20: Adj request as working out terms w/ creditor ( R Lebron)

Select Portfolio obj (Fein Such)<>MTN TO VACATE DISMISSAL

needs April ,May & June payment if reinstated.
Matter ResolvedRequest
Adjourment
237/1/2020 9:00 am18-24958 / CMGJOSEPH CASELLO ESQMotion EnforceContinued
8/19/2020 2:00 pm
Total Paid In: $28,600.00
8/19/20 at 2:00

Brief JMC by 8/5/20 on case law & included what discovery you need and why. creditor rep by atty Reese, esq. by same date 8/5/20 - borrower authorization error allows you to add it to loan. How would amortization of this loan have looked like. both address case law Duawng case (451BR800,2011 and any others. Both briefs due 8/5/20 and Reply on 8/12/20

Wilmington obj (Stradley Ronon)<>MTN TO ENFORCE TERMS OF LM
Matter ResolvedRequest
Adjourment
247/1/2020 9:00 am18-26618 / CMGBRUCE C TRUESDALE ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/19/2020 9:00 am
Total Paid In: $14,076.00
6/26/20(mk):atty email says got final LM papers today. Mtg co wants them back by Monday so they are scrambling. He will b e filing Motion to Approve LM.

4/5/20(mk); Email to atty as to status; Atty reply- debtors now current- & in a trail LM - adj to give them time to complete.

3/10/20 AMT: Per debtors daughter, meeting with Truesdale on Fri to discuss filing loss mit extension (in 3 mo trial period beg April); signing up for ePay to pay arrears<<<>>>

MK:Atty Boyer has Motion to W/D as atty on today 3/18/20.

Ct. Boyer needs to file a motion to W/D as atty- debtor to talk to Trusdale as to options-adj to 3/18/20 as to status.

debtor is pro se - been adjourned numerous times- Abelson/Trusdale does not rep debtor. she kept sayng Trusdale was her new atty- No - I sent debtor son back to you.

1/31/20(mk): nothing done since last few hearings. Arreras now $3,628- no atty has substituted in. REC. Dismiss( mk: abelson office says they Do Not rep the debtor- only did a Lm fr them )

As of 12/1/19(mk): Do Not See a Substitution of Atty filed?? (mk: Boyer is still atty of record but debtor says he does not represent her. Adj to 2/5/20-

has new atty - Bruce Truesdale -- working on LM - he is handling LM only- package been rec'd by Shellpoint



8/21/19: debtors here and No longer represented by Mr. Boyer. Debtors want an adj.


FAILED TO LM BY 2/20/19, EXTENDED LOSS MIT EXPIRED 5/20/19; ARREARS($2,283)
Matter ResolvedRequest
Adjourment
257/1/2020 9:00 am18-30069 / CMGCANDYCE I SMITH-SKLAR, ESQCreditor Certification of DefaultContinued
7/15/2020 9:00 am
Total Paid In: $8,715.00
CARRINGTON MTG (Phelan)

6/21/20:TR Arrears $1,914
Matter ResolvedRequest
Adjourment
267/1/2020 9:00 am18-33837 / CMGJonathan Stone, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceGrantedTotal Paid In: $1,700.00
MTN AUTHORIZING PENSION LOAN TO PURCHASE VEHICLE
Matter ResolvedRequest
Adjourment
277/1/2020 9:00 am18-34669 / CMGKurt E. Reinheimer, Esq.Motion Relief from Co-Debtor StayGrantedTotal Paid In: $4,905.00
ENERBANK USA (MORTON)
Matter ResolvedRequest
Adjourment
287/1/2020 9:00 am18-34671 / CMGVeer P Patel Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $21,442.00
Debtor obj<>BOROUGH OF FREEHOLD (COLLINS, VELLA & CASELLO)

>>MP on for 7/1/20 was W/D.
Matter ResolvedRequest
Adjourment
297/1/2020 9:00 am19-10010 / CMGAndrew Thomas Archer Trustee Certification of DefaultContinued
8/19/2020 9:00 am
Total Paid In: $4,410.00
6/26/20(mk): ARREARS NOW $6,181. Confirmed in Oct 2019. made 1 payment since conf. which was the Last pay 12/11/19.

6/10/20(mk: ADJ. Requested :says filed motion for turnover & sanctions vs. IRS & 3 ST agencies. on for 6/17/20. Arrears $5298 and last pay 12/2019. Told atty she needs to make a payment.


Debtor obj, will have funds- debtor tax refund was offset by IRS- trying to recoup.

as of 3/24/20: Arrears 3,532. Last pay 12/11/20
Matter ResolvedRequest
Adjourment
307/1/2020 9:00 am19-10010 / CMGAndrew Thomas Archer Motion Turnover of PropertyContinued
10/7/2020 9:00 am
Total Paid In: $4,410.00
DEBTOR MTN (#65)FOR IRS TO TURN OVER $6,957 TO DEBTOR, $1,500 TO DEBTOR'S COUNSEL, AND SANCTIONS/PUNITIVE DAMAGES TBD BY COURT

>> Tr Obj. Service defective . adj to 7/1 to correct: APOS FILED 6/8/20.

Matter ResolvedRequest
Adjourment
317/1/2020 9:00 am19-10010 / CMGAndrew Thomas Archer Motion Turnover of PropertyOrder to be SubmittedTotal Paid In: $4,410.00
OTBS granted as to motion but no sanctions

DEBTOR MTN (#66)FOR NJ DEP LABOR TO TURN OVER $5,467 TO DEBTOR, $500 TO DEBTOR'S COUNSEL, SANCTIONS/PUNITIVE DAMAGES TBD BY COURT

>> TR Obj. Service defective-adj to 7/1/20 to correct
Matter ResolvedRequest
Adjourment
327/1/2020 9:00 am19-10010 / CMGAndrew Thomas Archer Motion Turnover of PropertyOrder to be SubmittedTotal Paid In: $4,410.00
OTBS granted but no sanctions

DEBTOR MTN (#67)FOR NJ SURCHARGE TO TURN OVER $1,394 TO DEBTOR, $500 TO DEBTOR'S COUNSEL, SANCTIONS/PUNITIVIVE DAMAGES TBD BY COURT

TR Obj. Service defective-adj to 7/1/20 to correct- APOC filed 6/8/20.
Matter ResolvedRequest
Adjourment
337/1/2020 9:00 am19-10010 / CMGAndrew Thomas Archer Motion Turnover of PropertyContinued
10/7/2020 9:00 am
Total Paid In: $4,410.00
DEBTOR MTN (#68)FOR SSA TO TURN OVER $1,489 TO DEBTOR, $500 TO DEBTOR'S COUNSEL, SANCTIONS/PUNITIVIVE DAMAGES TBD BY COURT

>.TR Obj- service defective-adj to 7/1/20 to correct-APOS filed 6/8/20.
Matter ResolvedRequest
Adjourment
347/1/2020 9:00 am19-10194 / CMGJOHN F. BRACAGLIA, JR, ESQ.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $6,971.00
SV/LOANCARE #3-1; FAILED TO SELL TEN EYCK RD BY 5/15/20; FAILED TO ADDRESS LATE FILED CLM #3-1 LOANCARE
Arrears as of 6/25/20 $1,122. Last pay 4/7/20.
Matter ResolvedRequest
Adjourment
357/1/2020 9:00 am19-10868 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
8/5/2020 9:00 am
Total Paid In: $9,293.00
Debtor obj<>PHH MTG (RAS)
Matter ResolvedRequest
Adjourment
367/1/2020 9:00 am19-11291 / CMGDaniel Straffi, Esq.Motion Reopen Ch. 13 Case (fee)Granted
TO FILE PERSONAL FIN MAGMENT CERT.
Matter ResolvedRequest
Adjourment
377/1/2020 9:00 am19-12209 / CMGLAURENCE R SHELLER, ESQTrustee Certification of DefaultContinued
8/19/2020 9:00 am
Total Paid In: $2,401.00
AMT: MP 7/1 *** RECOMMEND DISMISSAL***<<<>>>
4/6/20(mk):Per AR: adj. at least 60 days.Must file MP w/in14 days & in that MP either remove the 2 per plan claims or if they stay in there file motion file & allow late claims for those creditors.

4/5/20(mk) email to atty- Arrears 2,407- pay is inconsistent and below required payment. Did make a march payment. ATTY Reply says going to file MP to extend to 84 mos. was laid off due to COVID ,then unemployment partially seized due to a fraud claim... HER DEFAULT BEGAN IN DEC.

Debtor obj, made pymt. Mk; As of 3/13/20, Arrears are $2,221. Last pay was 3/11/20 for $350. Plan payment is $366. pd, 200 in Nov.2019, then zero till Feb.2020 $350 & $350 in March. Payments are inconsistent and always under the confirmed amt.

Matter ResolvedRequest
Adjourment
387/1/2020 9:00 am19-12859 / CMGCANDYCE I SMITH-SKLAR, ESQMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $6,445.00
Debtor obj<>WELLS FARGO BANK (POWERS)

Order submitted to chambers 6/30/20.
Matter ResolvedRequest
Adjourment
397/1/2020 9:00 am19-12947 / CMGJOSEPH J ROGERS, ESQMotion Motion (Generic) - Only use if no other event is applicableDeniedTotal Paid In: $6,980.00
Trustee obj<>MTN TO SUSPEND TRUSTEE PAYMENTS

6/28/20(mk); NEW MP filed 6/27/20 w/ amended I & J & Covid Cert. 100% and extends to 84 mos. THIS MOTION TO Be MARKED EITHER DENIED OR W/D. Waiting to hear from atty.

MP ON 7/1/20 >>REC MP BE DENIED<<

6/27/20: mk sent email reply to atty. This motion should be denied or w/d. Her new MP to be filed w/in 8 days and will extend to 84 mos and plan will remain 100%
Matter ResolvedRequest
Adjourment
407/1/2020 9:00 am19-13073 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Moot - DismissedTotal Paid In: $6,920.00
AMERICAN ADVISORS GROUP (MATTLEMAN, WEINROTH & MILLER)
Matter ResolvedRequest
Adjourment
417/1/2020 9:00 am19-13647 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/5/2020 9:00 am
Total Paid In: $5,400.00
6/23/20(mk) MP filed (#89) on for 8/5/20.
Mp says Prospect RE sold.MP extends time to sell Norwodd RE.

Mk will adj to sort out St of NJ issues and debtor payments.

6/16/20(mk): email debtor atty office :Mailed out $2,000.00 in funds, $400.00 epayment made;
Waiting on return for modified plan to extend time to sell property; Have Consent Order for NJ Dept of Labor; Trying to work out State of NJ Claim.

6/15/20:mk: claim 14-1 -open it - It's in wrong case. Docket says St Of NJ Workers Comp - claim is New Century- for Debtor Lawrence Morgan.

-What is status of sale of Norwood Prop.?

Debtor obj<>FAILED TO SELL NORWOOD PPTY BY 4/2/20; FAILED TO FILE ORDER RESOLVING NJ DEPT OF LABOR OBJ AND MOVE AGAINST NEW CENTURY #14-1 (see note above)WITHIN 30 DAYS OF 10/2/19 CONF; FAILED TO RESOLVE NJ DIV TAX EST CLM (#11-1)WITHIN 60 DAYS OF 10/2/19 CONF; FAILED TO FILE CERT RE FILING OF TAX RETURNS BY 10/16/19; FAILED TO PAY NEPTUNE TWP #4-1 AT CLOSING OF PROSPECT AVE PPTY; ARREARS 9now 3,031 as of 6/16/20)

-debtor opp'n say will pay 2,000 by 5/22/20. There was payment of $400 on 6/3/20.last pay before that was Jan 2020in addition to all of the other issues above.
Matter ResolvedRequest
Adjourment
427/1/2020 9:00 am19-16228 / CMGROBERT MANCHEL ESQMotion Motion (Generic) - Only use if no other event is applicableOrder Previously SubmittedTotal Paid In: $82,819.00
6/29/20(mk): CO submitted to chambers today.

MTN TO PURCHASE 165 MAHOGANY DR- >>TR Limited OBJ- Needs $793.14 to pay off plan-per Atty . funds have been sent<<

-emails to & From Atty. see status below.

>>Debtor wants to buy RE in PA . all cash. Going to use funds from inheritance & gift from son. Will pay of Ch 13 case at 100% from inheritance. (Funds posted 6/22/20 $75,474).
- Needs amended B & C to disclose inheritance.(Filed)
-motion to expunge Amex claim on for 7/15/20 was withdrawn.
Matter ResolvedRequest
Adjourment
437/1/2020 9:00 am19-16596 / CMGWARREN LEVYMotion Approval to Participate in the Court's Loss Mitigation ProgramContinued
8/5/2020 9:00 am
Total Paid In: $4,302.00
SLS obj (Steward Legal Group)<>MTN FOR LOSS MIT

adj to 8/5 b/c counselfor SLS waiting for PP Pmt History
Matter ResolvedRequest
Adjourment
447/1/2020 9:00 am19-16596 / CMGWARREN LEVYMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/5/2020 9:00 am
Total Paid In: $4,302.00
mk: Motion to Participate in Loss Mit. was adj to 8/5/20.
Debtor only owes June paymt. now.

>>Debtor Opp'n- mailed ck for 1,311.50 on 2/12/20. Working on LM docs .Will get to atty & he will request to be allowed to Participate in Loss Mit again...


FAILED TO LM BY 9/2/19; ARREARS
Matter ResolvedRequest
Adjourment
457/1/2020 9:00 am19-17009 / CMGJOHN ZIMNIS, ESQMotion Relief from Stay (Fee)Consent Order to be SubmittedTotal Paid In: $11,933.00
Debtor obj<>RURAL HOUSING (MARTONE & UHLMANN)
Matter ResolvedRequest
Adjourment
467/1/2020 9:00 am19-17565 / CMGGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/5/2020 9:00 am
Total Paid In: $12,565.00
NEW MP(#42)FILED 6/25/20. HEARING DATE 8/5/20.adjusts TR payment back up to Orig confirmed amt. of 972.

AMT: MP (#36)7/1<<>>( Plan now to sell inherited Re & use proceeds to plan plan- >>ISSUES<<



Debtor obj, filing MP<>FAILED TO LM BY 10/15/19
Matter ResolvedRequest
Adjourment
477/1/2020 9:00 am19-18069 / CMGGeorge E Veitengruber IIIMotion Relief from Co-Debtor StayOrder to be Submitted
Debtor obj<>BAYVIEW LOAN SERVICING (KML)

Case is Completed. But MP (#47)filed 6/24/20- Now to Sell RE
Matter ResolvedRequest
Adjourment
487/1/2020 9:00 am19-19102 / CMGJustin M. Gillman, Esq.Motion Reinstate StayGrantedTotal Paid In: $2,610.00
MTN TO REINSTATE STAY AS TO AMIP MANAGEMENT
Matter ResolvedRequest
Adjourment
497/1/2020 9:00 am19-19283 / CMGYAKOV RUDIKHMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/5/2020 9:00 am
Total Paid In: $1,123.00
6/29/20: atty email. Filed opp'n requests adj. Told him to upload the adj request.

SV/CREDIT ACCEPTANCE #3-1

Arrears $815. Last pay 1/14/20
Matter ResolvedRequest
Adjourment
507/1/2020 9:00 am19-21211 / CMGMITCHELL L CHAMBERS, JRMotion Relief from Co-Debtor StayOrder Previously SubmittedTotal Paid In: $4,060.00
SELECT PORTFOLIO SERVICING (MILSTEAD)

6/29/20: Order submitted to chambers today resolving .
Matter ResolvedRequest
Adjourment
517/1/2020 9:00 am19-21588 / CMGSTEPHANIE RITIGSTEINMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $3,050.00
Debtor obj<>BAYVIEW LOAN (KML)

>.Order submitted to Chambers 6/25/20.
Matter ResolvedRequest
Adjourment
527/1/2020 9:00 am19-21637 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/5/2020 9:00 am
Total Paid In: $6,034.00
AMT: MP 8/5<<<>>>
Debtor obj, filing MP<>SV/BAYVIEW #2-1; FAILED TO REFI BY 12/1/19
Matter ResolvedRequest
Adjourment
537/1/2020 9:00 am19-23889 / CMGGeorge E Veitengruber IIIMotion Relief from Stay (Fee)Continued
8/5/2020 9:00 am
Total Paid In: $2,757.00
6/29/20: debtor atty waiting to hear about a CO to resolve.

BAYVIEW LOAN SERVICING (SCHILLER,KNAPP)
Matter ResolvedRequest
Adjourment
547/1/2020 9:00 am19-24078 / CMGMAUREEN VELLAMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/2/2020 9:00 am
Total Paid In: $22,940.00
atty needs further adj to late August . see PN

NEEDS TO ADDRESS PER PLAN CLM ID#16/CLINTON TWP; 100% NOT FEASIBLE DUE TO #15-1/IRS FILED AFER CONF PRIOR TO GOV BAR EXPIRATION
Matter ResolvedRequest
Adjourment
557/1/2020 9:00 am19-24938 / CMGSTEVEN D PERTUZ, ESQMotion Relief from Co-Debtor StayContinued
7/15/2020 9:00 am
Total Paid In: $7,274.00
Debtor obj<>U.S. BANK NAT'L ASSOC (RAS)
Matter ResolvedRequest
Adjourment
567/1/2020 9:00 am19-25924 / CMGJAMES J CERBONE, ESQMotion to Approve Loan ModificationOrder Previously SubmittedTotal Paid In: $2,171.00
6/15/20: Revised Order( Proper Form) submitted to Chambers .
Matter ResolvedRequest
Adjourment
577/1/2020 9:00 am19-25987 / CMGSEYMOUR WASSERSTRUM, ESQMotion to Amend Proof of ClaimWithdrawnTotal Paid In: $14,500.00
AMT: ppsd order does not specify what is modified<<<>>>
MTN TO AMEND NJ CLM #4-1

TR limited OBJ. filed
Matter ResolvedRequest
Adjourment
587/1/2020 9:00 am19-27434 / CMGROBERT C NISENSON ESQMotion CompelDeniedTotal Paid In: $20,400.00
GOING TO NEED JUDGE

Debtor obj<>MTN TO COMPLY W/COURT ORD DATED 2/19/20 FOR CONTEMPT AND SANCTIONS/MEDHAT ADLY GABER (JOHN VOORHEES)

Response by Creditor (#35)

This doc #30 is Proposed Order twice
Matter ResolvedRequest
Adjourment
597/1/2020 9:00 am19-27434 / CMGROBERT C NISENSON ESQMotion CompelDeniedTotal Paid In: $20,400.00
GOINFG TO NEED JUDGE .

Debtor obj(#33)<>MTN TO COMPLY W/ORDER CONTMEPT AND SANCTIONS
Response by creditor (#35)

This doc #31 is the Motion- WILLNEED JUDGE

Filed duplicate motion at docket #32
Matter ResolvedRequest
Adjourment
607/1/2020 9:00 am19-27434 / CMGROBERT C NISENSON ESQMotion CompelDeniedTotal Paid In: $20,400.00
Debtor obj<>MTN TO COMPLY W/ORDER CONTEMPT AND SANCTIONS

WILL NEEED JUDGE
This doc #32 is duplicate of #31
Matter ResolvedRequest
Adjourment
617/1/2020 9:00 am19-28769 / CMGJOHN ZIMNIS, ESQHearing Scheduled (Document)MootTotal Paid In: $1,200.00
(amt: trustee recap app)

Debtor's application for a CO for a TR recap. The category they filed it under generated a hearing date.
Matter ResolvedRequest
Adjourment
627/1/2020 9:00 am19-28881 / CMGAndrew Thomas Archer Hearing Scheduled (Document)WithdrawnTotal Paid In: $7,448.00
Creditor Cert of Default (#40)was W/D. Status Chg. filed 6/29/20.
Hearing on creditor's (Nationstar(Milstead)cert of default & debtor obj.
Matter ResolvedRequest
Adjourment
637/1/2020 9:00 am19-29297 / CMGJEFFREY E JENKINS ESQMotion File Claim After Claims Bar DateGranted
MTN TO ALLOW LATE FILED CLAIM OF PROJECT FREEDOM AT HOPEWELL URBAN RENEWAL
Matter ResolvedRequest
Adjourment
647/1/2020 9:00 am19-29671 / CMGLEE M PERLMAN, ESQMotion Relief from Co-Debtor StayGrantedTotal Paid In: $4,965.00
FIFTH THIRD BANK (PHELAN)
Matter ResolvedRequest
Adjourment
07/1/2020 9:00 am19-30840 / CMGJAMES G AARON ESQMotion Relief from Stay (Fee)Converted to 7 / 11
THE BANK OF NEW YORK MELLON (FRENKEL LAMBERT WEISS)
Matter ResolvedRequest
Adjourment
657/1/2020 9:00 am19-30857 / CMGWARREN BRUMEL, ESQMotion Relief from Co-Debtor StayGrantedTotal Paid In: $1,120.00
HYUNDAI LEASING (MORTON)
Matter ResolvedRequest
Adjourment
667/1/2020 9:00 am19-30863 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
8/5/2020 9:00 am

Debtor obj<>MTN TO PROCEED WITH PENDING DIVORCE LITIGATION (KEITH, WINTERS, WENNING & HARRIS)
Matter ResolvedRequest
Adjourment
677/1/2020 9:00 am19-32575 / CMGAndrew Thomas Archer Motion Motion (Generic) - Only use if no other event is applicableDeniedTotal Paid In: $1,489.00
MTN TO SUSPEND TRUSTEE PAYMENTS

TR objection.
TR Motion to D on 9/16/20.
Matter ResolvedRequest
Adjourment
687/1/2020 9:00 am19-33032 / CMGYAKOV RUDIKHMotion Relief from Stay (Fee)Moot - Dismissed
CARRINGTON MTG (FRENKEL LAMBERT)
Matter ResolvedRequest
Adjourment
697/1/2020 9:00 am20-10902 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayGranted
6/30/20: debtor w/d objection. Motion can be granted and then will be dismissed at 10.

Debtor obj<>CROSSCOUNTRY MTG (MILSTEAD)

>>CONF ON 7/1/20. REC DISMISSAL<<
Matter ResolvedRequest
Adjourment
707/1/2020 9:00 am20-12433 / CMGWilliam H. Oliver, Jr., Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)Granted
Granted contingent upon bank approval for short sale-OTBS & w/ Adeg. protection

TR Limited obj :mk: order needs to state amt of atty fee NOT Per HUD
2063 BENJAMIN CIR-short sale of no benefit to the estate.

Mk: bank has not given short sale approx.
Matter ResolvedRequest
Adjourment
717/1/2020 9:00 am20-12672 / CMGPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/15/2020 9:00 am

MK: adj to 7/15/20 to be heard w/MP.

<<>>>AND MOTION BY AJAX MTG TO BARR FUTURE FILINGS INVOLVING THIS MTG.(Ajax has stay releif)

>>mk: Debtor filed Another MP (#57) On 7/15/20.

Debtor obj<>FAILED TO FILE FEASIBLE PLAN; PLAN DENIED ON 4/125 AND FILED FO FILE MP BY 4/30/20; FAILED TO PROVIDE TRUSTEE WITH REQUIRED DOCUMENTS TO CONDUCT 341 (a) MEETING; 3 PRIOR FILINGS ALL DISMISSED
Matter ResolvedRequest
Adjourment
727/1/2020 9:00 am20-13135 / CMGMICHAEL MCLAUGHLINMotion Relief from Co-Debtor StayContinued
7/15/2020 9:00 am

Debtor obj<>US BANK TRUST (STERN & EISENBERG)

>>MP On 7/1/20<< ISSUES/NEEDS RESOLUTION
Matter ResolvedRequest
Adjourment
07/1/2020 9:00 am20-13135 / CMGMICHAEL MCLAUGHLINCertificate of Consent3rd Party Matter
Matter ResolvedRequest
Adjourment
737/1/2020 9:00 am20-14141 / CMGWilliam H. Oliver, Jr., Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
AR IF REINSTATED EWAGE
5/27/20(mk): Atty holding 2,000.
needs new 341 dat & new conf date.
Matter ResolvedRequest
Adjourment
747/1/2020 9:00 am20-14168 / CMGWilliam H. Oliver, Jr., Esq.Request for Loss MitigationContinued
7/15/2020 9:00 am

AMT: May be MOOT; see doc #40/app to extend loss mit<<<>>>

NTC OF REQUEST FOR LOSS MIT/MR. COOPER
Matter ResolvedRequest
Adjourment
757/1/2020 9:00 am20-15167 / CMGSTEPHEN M GOLDBERG, ESQNotice of Hearing (Upload)Judge to Reserve Decision
FAILURE TO FILE SCHEDULES POST CONVERSION
Matter ResolvedRequest
Adjourment
767/1/2020 9:00 am20-15898 / CMGGeorge E Veitengruber IIIMotion Approval to Participate in the Court's Loss Mitigation ProgramGranted
LOSS MIT/SPECIALIZED LOAN

CONF ON 7/1/20..ISSUES/OBJECTIONS
Matter ResolvedRequest
Adjourment
777/1/2020 9:00 am20-17231 / CMGCANDYCE I SMITH-SKLAR, ESQMotion Impose Automatic StayGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
787/1/2020 9:00 am20-17236 / CMGWilliam H. Oliver, Jr., Esq.Motion Extend TimeGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
797/1/2020 9:00 am20-17313 / CMGJOHN ZIMNIS, ESQMotion Extend TimeGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
807/1/2020 10:00 am16-31863 / CMGJOHN ZIMNIS, ESQConfirmation Hearing on Modified PlanContinued
8/5/2020 10:00 am
Debtor has made 21 of 44 required payments   Arrears: $1,267.00  Total Paid In: $26,449.00
As of 6/29/20 Debtor attorney requested adjournment to allow time to prepare budget and file amended schedules

As of 6/19/20 (DS): 1. Per terms on order for loss mit, must file amended Sched I & J.

MP Prop $23,912 paid, $1,268 x 19 Base - Loan mod granted, removes arrears owed to mortgage.
Matter ResolvedRequest
Adjourment
817/1/2020 10:00 am17-21493 / CMGROBERT C NISENSON ESQConfirmation Hearing on Modified PlanContinued
8/19/2020 10:00 am
Debtor has made 26 of 37 required payments   Arrears: $634.00  Total Paid In: $16,228.00
adj to 8/19/20: NFA- Peremptory.

As of 6/26/20 (DS): 1. Debtor in arrears $1,268, last payment made 4/28/20.

2. Must provide 2 months recent proof of income and 2019 tax returns, if not filed must provide 2018.

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

5/6/20 (DS): 1. Must amend orders for 2 post-petition arrears of Nationstar/US Bank. NOT NEEDED, POST-PET ARREARS IS LISTED IN LOSS MIT ORDER.

2. Must provide 2 months recent proof of income and 2019 tax returns, if not filed must provide 2018.

MP Prop $12,424 Paid, $418 x 38 Base - Loan mod approved and Trustee payment monthly reduced.
Note; Amended POC filed by mtg.
Matter ResolvedRequest
Adjourment
827/1/2020 10:00 am17-28521 / CMGAndrew Thomas Archer Confirmation Hearing on Modified PlanConfirmedDebtor has made 31 of 34 required payments   Arrears: $0  
Total Paid In: $22,955.00
As of 6/23/20 (DS): Ok to confirm at $22,216 paid, $739 x 27 begin 7/1/20 Base

MP Prop $739 x 28 Base - Dennis Ave property is listed as surrendered. Unsecured treatment changed to pro rata due to secured debt no longer be repaid.
Matter ResolvedRequest
Adjourment
837/1/2020 10:00 am18-34671 / CMGVeer P Patel Confirmation Hearing on Modified PlanWithdrawnDebtor has made 19 of 19 required payments   Arrears: $3,309.00  Total Paid In: $21,442.00
Matter ResolvedRequest
Adjourment
847/1/2020 10:00 am19-12209 / CMGLAURENCE R SHELLER, ESQConfirmation Hearing on Modified PlanContinued
8/19/2020 10:00 am
Debtor has made 7 of 17 required payments   Arrears: $2,979.00  Total Paid In: $2,401.00
MK; Per atty- STRIKE PER PLAN CLAIM FOR BURLINGTON CTY PROBATION. & KIA MOTOR FINANCE

AMT: NEED CLARIFICATION ON CLASSIFICATION TO PAY NJ DEPT OF LABOR - DUP CLMS #18-1 (FILED BY CREDITOR) & #19-1 (FILED BY DEBTOR)
AS OF 6/29/20 (at):

AR ATTY HAS NOT ADDRESSED 2 PER PLAN LETTERS ( 1 for Burlington Cty Probation & other for Kia Motor Finance-)I DONT UNDERSTAND PLAN STATING DEBTOR DOES NOT OWN ANY SECURED PROPERTY - MUST RESOLVE (NO RESOLUTION/EXPLANATION RECEIVED AS OF 6/24/2020)

Trustee's objection:
1. The debtor has failed to provide amended Schedules I & J.
2. The debtor has failed to provide Proof of Income.
3. The debtor has failed to provide Certification by Debtor explaining the material financial hardship caused by the COVID-19 pandemic. (NEED CORRECT FORM OF CERTIFICATION)
4. Wells Fargo secured claim #4-1 was set up to be paid per the prior confirming order. Debtor must file a separate motion with proof of service to Expunge /Modify that claim and cannot do so by the modified plan.
5. In addition for any per plan claim where no claim was ever filed by the creditor, debtor must file a claim for that creditor and a motion to allow the late claim. (NOT DONE)

MP proposes: $2,065 paid to date, $398 x 71 beginning 5/1/2020, not less than $25,825 to guc's
To use CARES act to lengthen plan from 5 years to 7 years due to debtor's covid 19 unemployment
lengthen plan and verify what claims are being paid
Payments: 9/16, arrears $2,643
Matter ResolvedRequest
Adjourment
857/1/2020 10:00 am19-12947 / CMGJOSEPH J ROGERS, ESQConfirmation Hearing on Modified PlanPlan DeniedDebtor has made 6 of 17 required payments   Arrears: $6,775.00  Total Paid In: $6,980.00
6/28/20(mk):atty email- NEW MP filed(48) w/ a Covid Cert & amended I & J. MP extending to 84 mos. Plan is 100% so arrears will be absorbed in the recap and extended mos SEE PN.

As of 6/24/20 (DS): 1. Debtor in arrears $5,700, made no payments since Feb 19. Motion to suspend Trustee payment is sched 7/1/20 and Trustees motion to dismiss is sched 8/19/20.

2. Trustee obj to the following:
- No amended Schedule I & J.
- Debtor has failed to provide proof of income. Need proof of income for mid March thru May.
- The Covid-19 Certification submitted at docket #39 in support of the Modified Plan is not sufficient. Parts of the certification are blank and it does not contain the requisite detail needed. Paragraphs 3,4 & 5 are blank.

MP Prop $1,016 x 56 100% - Plan is extended from 60 to 72 months under the CARES Act and arrears are capitalized into the remaining months.
Matter ResolvedRequest
Adjourment
867/1/2020 10:00 am19-17565 / CMGGeorge E Veitengruber IIIConfirmation Hearing on Modified PlanContinued
8/5/2020 10:00 am
Debtor has made 14 of 15 required payments   Arrears: $270.00  Total Paid In: $12,565.00
6/25/20:NEW MP(#42) FILED TODAY. On for 8/5/20. Paymt increased back to $972 & they have signed contract for sale of inherited property....

AS OF 6/24/2020 (at):

1. Plan was confirmed at $2,638 paid to date, $927 x 32 beginning 9/1/19. Why is the trustee payment being reduced?

2. Need updated proof of income.

3. Need amended I and J.

4. Need listing agreement or proof that debtor is attempting to sell Monroe property.

MP(#36) proposes: $657 x 60, sale of real property (Monroe Twp) by 11/1/2020, 100% to guc's
Payments: almost 14/14, arrears $270
Matter ResolvedRequest
Adjourment
877/1/2020 10:00 am19-19348 / CMGSTEVEN N. TAIEB, ESQ.Confirmation Hearing on Modified PlanConfirmedDebtor has made 12 of 14 required payments   Arrears: $1,735.00  Total Paid In: $20,150.00
as of 6/26/2020

ok to confirm at $20,150 paid to date, $1,735x71 begin 7/1/2020 0% plan

proposed plan $16,550 paid, $1735x72 base plan
Matter ResolvedRequest
Adjourment
887/1/2020 10:00 am19-22616 / CMGJOHN ZIMNIS, ESQConfirmation Hearing on Modified PlanWithdrawnDebtor has made 8 of 13 required payments   Arrears: $1,200.00  Total Paid In: $2,400.00
6/30/20: - Plan W/D

ISSUES AS OF 6/23/2020 (DM):

***Debtor has not made a Trustee payment in 3 months - RECOMMEND DENIAL OF MP****

1) Investors Bank (SALDUTTI LAW GROUP) OBJs to MP (UNRESOLVED).


Confirmed Case: $2,400 Ptd, $300 x 27 start 4/1/20, Base Plan, sale by 5/31/20
Prop. MP: $300 x 36 start 7/1/19, Base Plan, sale by 11/30/20
PTD = $2,400
Last Claim (3-4) dated 6/4/20
Matter ResolvedRequest
Adjourment
897/1/2020 10:00 am19-23100 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 10 of 12 required payments   Arrears: $214.00  Total Paid In: $2,200.00
ISSUES AS OF 6/24/2020 (DM): Updated 7/1/20

***Trustee can recommend confirmation at $2,200 Ptd, then $214 x 49 starting 7/1/20, 0% Plan***

 6/29/20 - 2nd Cert uploaded (REVIEWED BY TRUSTEE)

 5/18/20 Received Certification and Trustee has reviewed - Attorney needs to Adjourn and provide more specificity with respect to disposition of $136,424 in sale proceeds.

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

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

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

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

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


Prop. Plan $200 x 60, 0% Plan
IRA withdrawals until disability finalized
PTD 11/11 = $2,200
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
907/1/2020 10:00 am19-25989 / CMGBRUCE C TRUESDALE ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 13 of 11 required payments   Arrears: $770.00  Total Paid In: $9,712.00
as of 6/18/2020

ok to confirm at $8,942 paid to date, $770x50 begin 7/1/2020 100% plan

proposed plan $8172 paid to date, $770x51 100% plan
paid in $8942
shortened plan
Matter ResolvedRequest
Adjourment
917/1/2020 10:00 am19-27489 / CMGEric ClaymanConfirmation Hearing on Modified PlanConfirmedDebtor has made 7 of 10 required payments   Arrears: $750.00  
6/30/20(mk): atty sent proof of $394 payment being sent by Fed x& accepts terms

ISSUES AS OF 6/23/2020 (DM): Updated 6/29/20-

***IF DEBTOR PROVIDES PROOF OF $394 JULY PAYMENT, TRUSTEE WILL RECOMMEND CONFIRMATION AT $1,750 PTD, THEN $394 x 51 STARTING 7/1/20, BASE PLAN, PLUS ALL NON-EXEMPT PROCEEDS FROM CLAIM AGAINST 3rd PARTIES, LOAN MOD WITH HSBC/PHH MTG BY 7/31/20, NO PAYMENT OR RESERVE BY TRUSTEE PENDING THE LOAN MOD, TRUSTEE STANDARD ORDER OF DISTRIBUTION; ADD TO CONFIRMING ORDER: TRUSTEE IS AUTHORIZED TO PAY STATE OF NJ PRIORITY POC (10-2) AND IRS PRIORITY/SECURED POC (7-3), COPY OF 2019 TAX RETURNS TO TRUSTEE BY 8/15/20***

- 5/6/20 - ADJ TO 7/1/20 PEREMPTORY.

- 5/5/20 MK: Atty advises that MP prepared & it will extend LM to be by 10/31/20. SV Motion is settled. Terms are 6 mo cure.

- 4/24/20 MK: Amended Sch B&C filed 4/22/20 - added a lawsuit with unknown value - so add language to confirming order that Trustee to receive all non-exempt proceeds.

1) State of NJ filed $6,137.68 priority claim not treated in the plan that includes estimated taxes for 2016 -2017 (AMENDED TO $952.94).

2) IRS filed $4,907.54 amended priority claim not treated in the plan (OKAY TO ADD?? - Yes).

3) IRS filed $5,215 amended secured claim not treated in the plan (OKAY TO ADD?? - Yes).

4) HSBC/PHH Mtg (RAS) OBJs to MP (ORDER ENTERED - LOAN MOD BY 7/31/20).

5) The Automatic Stay is imposed on HSBC/PHH Mtg (PHELAN/RAS) by Order dated 11/15/19 until 1/16/20 because the debtors received a Trial Mod - MFR filed and scheduled for 5/6/20 (OTBS).

6) American Credit Acceptance has not been served on the cram of the 2003 Lexus RX300 with a Transmittal Letter at the address in the POC (CREDITOR SERVED ON 4/17/20).

7) The plan provides $1,500 secured treatment to Pemberton Twp - no POC filed (POC FILED & MOTION TO ALLOW LATE CLAIM GRANTED).

8) Trustee OBJ:
- Debtor has insufficient income.
- Need 2019 tax return by 8/15/20.
- Need mtg payoff statement (POC FILED).
 Need a MP that pay
Matter ResolvedRequest
Adjourment
927/1/2020 10:00 am19-30375 / CMGLEE M PERLMAN, ESQConfirmation Hearing on Modified PlanContinued
8/19/2020 10:00 am
Debtor has made 7 of 9 required payments   Arrears: $1,350.00  Total Paid In: $4,725.00
AS OF 6/29/2020 (at):

1. Need updated proof of income.

2. Need Amended Schedule I.

3. Plan was confirmed with a step up in 11/1/2021. What has changed? Why is there no step up in the modified plan?

MP proposes: $4,725 paid to date, $554 x 53 beginning 6/1/2020, base (Removing mortgage arrears. Wells Fargo is now unaffected. Adding a pro rata distribution to Unsecured. Plan payment is now the disposable income showing on Schedule J. Loan modification was approved for Wells Fargo.)
Payments: 7/8, arrears $675
Matter ResolvedRequest
Adjourment
937/1/2020 10:00 am19-30763 / CMGROBERT C NISENSON ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 2 of 8 required payments   Arrears: $950.00  Total Paid In: $1,610.00
ISSUES AS OF 6/23/2020 (DM): - Atty ok with terms.sf

***Based upon equity in real estate and $2,171 filed unsecured claims, TRUSTEE RECOMMENDS CONFIRMATION AT $1,558 PTD, THEN $950 x 53 STARTING 7/1/20, 100% PLAN, ADD TO CONFIRMING ORDER: TRUSTEE IS AUTHORIZED TO PAY LVNV SECURED POC (5-1) IN THE AMOUNT OF $567.06 AND LVNV SECURED POC (6-1) IN THE AMOUNT OF $344.47***

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

1) LVNV Funding filed a $567.06 secured judgment & $344.47 secured judgment not treated in plan (OKAY TO ADD?? - Yes).

2) Wells Fargo (PHELAN) OBJs - $37,037.40 arrears (CO ENTERED & MP PAYS).

3) Trustee OBJ:
- Need an updated CMA - doc provided fails to provide the value of the property (RECEIVED - NEED 100%).
- Need updated pay stubs for December and January for Amazon (RECEIVED).
- P&L statement for Grub Hub/Door Dash delivery work (RECEIVED).
- Need a copy of homeowner's insurance renewal declaration (RECEIVED).
- Excessive Expenses Sch J: $800 food for 1 person (REDUCED TO $300).


Prop. Plan $1,006 Ptd, $950 x53, Base Plan
PTD 6/7 = $1,558
Last Claim (6-1)
Matter ResolvedRequest
Adjourment
947/1/2020 10:00 am19-30863 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
8/5/2020 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $1,000.00  
$2,000 received 6/16/20 - ADJ to 8/5/20
MP filed 6/10/20 and scheduled for 8/5/20

6/3/20:mk:atty will MP to include DSO. & include #4. NJ taxes filed. need proof of filing need amended claim. resolve issue #5 by 7/1/20; respond to TR objections w/in 10 days.

 6/2/20 - Cashier's Check for $2,000 mailed

ISSUES AS OF 5/29/2020 (DM):

***Debtor has only made 2 of 6 Trustee payments with another payment due on 6/1/20 - RECOMMEND DISMISSAL***

1) IRS filed $14,370.24 amended priority claim not treated in plan (OKAY TO ADD??)

2) State of NJ filed $1,630.39 priority claim that includes estimated taxes for 2018 not treated in plan (UNRESOLVED).

3) Plan does not treat DSO from Sch J (UNRESOLVED).

4) Plan does not treat Ecological Systems from Sch D (UNRESOLVED).

5) HSBC Bank (RAS Citron) OBJs - $366,388.40 arrears (CONSENT ORDER ENTERED - LOAN MOD BY 6/10/20).

6) Trustee OBJ:
- Need Domestic Support Obligation information (RECEIVED).
- Need divorce decree and settlement agreement (RECEIVED).
- Excessive Expense: $2,262 DSO payment (need proof of that payment is being made).
- Income verifies higher than scheduled (DISPOSABLE INCOME $807).
- Must file Pre Confirmation Certification (UNRESOLVED).
- Need revised P&L that does not include employee wages as debtor is only one in the business (UNRESOLVED).


Prop. Plan $500 x 60, 0% Plan, Loan Mod w/6 months
PTD 2/6 = $1,000
Last Claim (1-2)
Matter ResolvedRequest
Adjourment
957/1/2020 10:00 am19-31413 / CMGFREDERICK J SIMONConfirmation Hearing ScheduledContinued
9/2/2020 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $652.00  
Matter ResolvedRequest
Adjourment
967/1/2020 10:00 am19-31793 / CMGKarina Pia Lucid Confirmation Hearing on Modified PlanContinued
8/19/2020 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $1,000.00  
6/30/20: atty needs to review our numbers and what are the problems with our expenses. then will file MP. Atty to contact MK

AR RESOLVE OR HOLD
ISSUES AS OF 6/23/2020 (DM):

***Need to serve MP that corrects the judgment crams. There are errors in amended Form 122c which would require $52,680 minimum dividend based upon $878 disposable income ... disposable income, per amended Sch I&J, verifies at $1,952, therefore Trustee will recommend payments of $1,500 going forward to resolve objections***

5/19/20 - Received Will - debtor is entitled to 1/6 of the estate. Need estate accounting (CERT UPLOADED 5/21/20 INDICATES HE RECEIVED $19,000).

1) MP proposes $1,706.29 priority treatment to IRS - no POC filed (STRIKE??)

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

3) Plan provides for judgment crams in Part 7b which requires listings in Part 4d unless judgment crams were meant to only be listed in Part 7a (MP CORRECTS BUT NO SERVICE ON THE MP).

4) Trustee OBJ:
 Income documentation also verifies that there is $1,952 disposable income.
 Debtor has failed to provide proof of service with respect to Plan Motions (UNRESOLVED).
- Need copy of mother's will (RECEIVED).
- Need Cert and supporting docs for the $19,000 received from mother's estate (RECEIVED).
- Must file Pre-confirmation certificate (FILED).
- Need 2019 Tax return by 8/15/20 (RECEIVED).
- Need proof of current auto insurance - expired on 2/23/20 (MK, INSURANCE PROVIDED).

- Excessive Exp Sch J: $565 tele/cell/cable, $1000 food, $450 entertainment, $300 auto repair and $400 support for elderly parents (SCHEDULES AMENDED).

- Excessive Exp - Form 122c: $965 on Line #23 for tele services. Disposable income per Line #45 is $770.63 plus $790 deducted from Line #23 results in disposable income of $1,560 which will require $93,637 min div to gucs (AMENDED TO $878 DISPOSABLE INCOME BUT SOME EXPENSES MISSING - USING I&J).


Prop. Plan $800 x 7, $1,000 x 53, Base Plan
PTD 7/7 = $5,600
Last Claim
Matter ResolvedRequest
Adjourment
977/1/2020 10:00 am19-32052 / CMGKarina Pia Lucid Confirmation Hearing on Modified PlanContinued
8/19/2020 10:00 am
Debtor has made 3 of 8 required payments   Arrears: $12,494.00  
6/30/20: atty says debtor out of wl due to covid, needs time to catch up.
she will discuss with debtor about a MP to reduce payments & then bring back up in Sept. ADJ . 8/19/20:PEREMPTORY

7/1/20 - Copy of TFS payment for $2780.75 just received. Will not post until next week.

AS OF 6/26/20 (SF) - NOT CURRENT 4/7 ARREARS: $8343 LAST PAYMENT RECEIVED IN MARCH

--MP filed 5/19/20.Date 7/1/20:Atty sent email to AR on case. 2 payments missing . debtor will send in a payment end of week.
--MP filed 5/19/20. atty to review and reply to AR via email- for now Hold for Judge.
--AR ATTY TO EXPLAIN WHY ISSUES REMAIN FROM APRIL AND PAYMENT TO POST OR REC DISMISSAL



1. Trustee objection:
- Need November and December bank statements for Chase, Wells Fargo and TD. (STILL NEED)mk: atty says she uploaded these

- Amendments to Schedules C to exempt business and B to add 2001 Chevy Express. (STILL NEED)mk: atty says she filed these.

- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):

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

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

- #42 on Schedule B lists a partnership, Curalagoon, LLC. Company manages a rental
property in Curacao? Debtors own 12% interest. Need information on this. (A a purchase contract provided and certification from debtor but no proof as to the 12% interest). (NOT RESOLVED)->>6/30/20: mk: atty says Deed of transfer submitted- is it acceptable to trustee?

Plan proposes $2780.02 x 60 Base
Payments: 4/7 Arrears: $8343

RESOLVED ISSUES:
- Need a statement for the 2nd mortgage, SBA, showing payoff and mon
Matter ResolvedRequest
Adjourment
987/1/2020 10:00 am19-32597 / CMGYAKOV RUDIKHConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 7 required payments   Arrears: $42.00  Total Paid In: $2,100.00
ISSUES AS OF 6/23/2020 (DM): - Atty ok with terms.sf

***If paying arrears claim to Carrington Mtg and Capital One Auto, THEN TO CONFIRM THE DEBTOR NEEDS $1,800 PTD, THEN $642 x 54 STARTING 7/1/20, 100% PLAN WITH $165,663 THRESHOLD, TRUSTEE TO PAY ARREARS CLAIM ONLY ON CARRINGTON POC (7-1) AND CAPITAL ONE AUTO POC (6-1), TRUSTEE STANDARD ORDER OF DISTRIBUTION***

1) Carrington Mtg filed $23,845.99 arrears claim on Bush Parkway property - plan treats as secured unaffected (OKAY TO PAY??)

2) Capital One filed $839.85 arrears claim on 2013 Chevy Truck - plan treats as secured unaffected (OKAY TO PAY??)

3) American Honda Finance file $1,471.77 arrears claim on 2004 Honda Sportrax not treated in plan (CLAIM EXPUNGED PER ORDER DATED 5/21/20).

4) Trustee Obj:
- Need CMA - not the Zillow foreclosure estimate (RECEIVED - NEED 100% BASED ON FILED CLAIMS).
- There is $165,663 non exempt equity in real estate.
- Need to file Pre-Confirmation Cert (FILED).
- Need Trustee standard Order of Distribution.


Prop. Plan $300 x 36, Base
PTD 6/6 - $1,800
Last Claim (2-2)
Matter ResolvedRequest
Adjourment
997/1/2020 10:00 am19-32720 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledContinued
8/5/2020 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $895.00  
ISSUES AS OF 6/24/2020 (DM): Updated 6/27/20

 Note - State of NJ Workers Compensation filed a $340,172.11 unsecured judgment - debtor's counsel may want to move against the judgment.

1) New Rez/Shellpoint (HILL) OBJs - $65,788.87 amended arrears claim (OKAY TO PAY?? - OTBS TO PAY).

2) Barbara Lita filed $21,122.00 secured judgment claim not treated in plan (MOTION TO RECLASSIFY SCHEDULED 8/5/20).

3) Plan provides $1,808.62 priority treatment to MTAG - no POC filed (STRIKE?? - Yes)

4) Plan provides $1,964.13 priority treatment to US Bank Cust for Pro Cap - no POC filed (STRIKE?? - Yes)

5) Plan provides $2,032.68 priority treatment to US Bank Cust PC$ - no POC filed (STRIKE?? - Yes)

6) Trustee OBJ:
 Need to amend Sch J to remove auto insurance & any other exp already accounted for in P&L.
 Income documentation verifies higher (proofs show income for business $4,796 and wages from business $4350) for business than scheduled ($3,698). If business income calculations are off we need more documentation/explanation.
 Need itemized list of business assets and copy of business insurance, and Balance sheet.
- Deed to property is in the name of the spouse only. Conveyed from them jointly to the spouse in 2008/2009. The mortgage is in the name of the debtor.


Prop. Plan $1,139 x 60, 0% Plan
PTD 6/6 = $7,078
Last Claim (4-2)
Matter ResolvedRequest
Adjourment
1007/1/2020 10:00 am19-32722 / CMGEric ClaymanConfirmation Hearing on Modified PlanContinued
8/5/2020 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $873.00  
MK: atty need time to review numbers w/ client
AS OF 6/26/20 (SF)

RECOMMEND $5,252.50 PTD, $1,506 X 55 (BEGIN 7/1/20) 100%
- Calculations include $221.41 arrears for Ovation Sales Finance
- Must file pre-confirmation Certification within 10 days
- Trustee Standard Order of Distribution


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

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

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

RESOLVED ISSUES

- Objection filed by Nationstar (Ras Citron) - RESOLVED VIA ORDER
- A copy of the last filed tax return - 2019 (RECEIVED)
- A Modified Plan that provides minimum dividend to general unsecured creditors of no less than $115,860 per Form 122C-2 (MP proposes 100%)
- House address needs to be changed from Broad Street to 3rd Street (DONE)
Matter ResolvedRequest
Adjourment
1017/1/2020 10:00 am19-32922 / CMGMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $340.00  
MP to be filed -debtor got a LM.

AS OF 6/25/20 (SF)

1. Objection filed by Specialized Loan Servicing (Saltzman) - failure to pay arrears and speculative loan mod.

2. Loss mitigation order expired on 6/5/20

3. Objection filed by Key Bank (Ronald Gellert) - failure to pay arrears of $1009.25

4. Merchant Cash and Capital LLC filed secured UCC Judgment claim 1-1 for $39,875.28 which is not addressed in plan

5. State of NJ Division of Employer Accounts filed priority claim 2-1 for $2608.80, not addressed in plan

6. Ally Capital filed secured arrears claim 10-1 for $267.12 which is not addressed in plan

7. Ally Financial filed secured arrears claim 11-1 for $926.88 which is not addressed in plan

8. Ally Capital filed secured arrears claim 12-1 for $449.35 which is not addressed in plan

9. State of NJ Div of Tax filed estimated priority claim- missing 2018 and 2019 returns (NEED AMENDED CLAIM)

10. Trustee objection:
- The debtor has insufficient income .
- The debtor has failed to file a feasible plan - that pays all arrears claims filed.
- A copy of the last filed tax return - : 2019 tax return for both debtor and spouse by 8/15/20
- Auto insurance for two 2016 Ram Promaster and 2017 Ram Promaster.
- A Modified Plan that pays all arrear claims filed.
- Amendments to Schedules B and C to add all vehicles.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Water/sewer/garbage $260 and Car payment $610.31.
- There is non-exempt equity on real property $17,927.99 and possibly assets not listed on Sched B and C, pending amended Schedule B and C.
The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution.
- Must resolve State of NJ estimated claim.

Plan proposes $170 x 60 100%, Loan Mod in 6 months
Payments: 5/6 Arrears:$170
Matter ResolvedRequest
Adjourment
1027/1/2020 10:00 am19-33035 / CMGFRANK J FISCHER, ESQConfirmation Hearing ScheduledContinued
9/2/2020 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $575.00  
6/23 workup for the 7/1 calendar EDC

1) Santander Bank/Sovereign Bank (Saldutti) objection to confirmation - need to resolve
-judgement $40,518.88
2) Americredit Financial Services/GM Financial (Morton) objection to confirmation
3) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income-only $235 disposable
-need copy of Guardian Life Insurance statement reflecting value of policy-$68,389 value needs to be resolved because took $18,000 exemption leaving $50,389 for gucs in equity..Per divorce decree no mention of
-need to file Pre Confirmation Certification with Court
-need settlement statement from personal injury settlement that occurred prior to filing
-proof of insurance from debtor's business on 2 Chevy trucks
4) Santander Bank $41,757.94 secured claim in the amount of $41,757.94 (judgment) - MP has cramdown-service?
------------------------------------------------
5) Sheffield Financial filed secured claim 5 in the amount of $7,174.34 no arrears - (2019 Ferris Lawn Mower) - not treated in plan, need to resolve(MP outside OK)
6) Sheffield Financial filed secured claim 6 in the amount of $9,417.01 no arrears (2018 Ferris Lawn Mower) - not treated in plan, need to resolve(MP outside OK)
7) Deere & Company filed secured claim 11 in the amount of $48,445.92 no arrears (lease) - not treated in plan, need to resolve(MP outside OK)
8) Acar Leasing Ltd filed secured claim 3 in the amount of $6,508.12 no arrears (lease) - not treated in plan, need to resolve(mp outside OK)
9) Americredit Financial Services Inc filed secured claim 7 in the amount of $56,002.67 (2019 Chevrolet Silverado) - not treated in plan, need to resolve(MP outside OK)
10) Ally Capital filed secured claim 8 in the amount of $29,474.58 no arrears )2018 Chevrolet Silverado) - not treated in plan, need to resolve(MP outside OK)
-need Domestic Support Obligation information
-need proof of court-ordered support payment of $1,200A(says $150 per child a week OK)

pr
Matter ResolvedRequest
Adjourment
1037/1/2020 10:00 am19-33046 / CMGJOHN ZIMNIS, ESQConfirmation Hearing on Modified PlanContinued
8/19/2020 10:00 am
Debtor has made 3 of 7 required payments   Arrears: $9,200.00  Total Paid In: $6,900.00
AS OF 6/24/2020 (at):

1. Need updated proof of income.

2. Need amended I and J.

3. Trustee payment cannot be $0. (minimum payment needs to be $100)

4. Need correct Covid Certification in Support of Modified plan.

MP proposes: $4,600 paid to date, $0 x 7 beginning March, 2020, $1,885 x 65 beginning 10/1/2020, base (Spouse has loss of income due to Covid outbreak. Increases the number of month of the plan to 75.)
Payments: 2/6, arrears $9,200
Matter ResolvedRequest
Adjourment
1047/1/2020 10:00 am19-33143 / CMGJEANIE D. WIESNER, ESQ.Confirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 7 required payments   Arrears: $0  

ISSUES AS OF 6/24/2020 (DM):

***Amended Sch I&J showing $4,307 in monthly disposable income - debtors not devoting all monthly disposable income to plan. THEREFORE, TO RESOLVE TRUSTEE OBJECTIONS, DEBTOR WOULD NEED TO CONFIRM AT $2,519 PTD, THEN $1,554 x 54 STARTING 7/1/20, 100% PLAN, STUDENT LOANS TREATED OUTSIDE THE PLAN; ADD TO CONFIRMING ORDER: PLAN IS NON-MODIFIABLE TO LESS THAN 100% IN EXCHANGE FOR NOT DEVOTING ALL MONTHLY DISPOSABLE INCOME TO PLAN***

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

1. Trustee obj to the following:
 Need Trustee standard order of distribution.
 Need 2 months income for co-debtor from new job started in Dec (UPLOADED 5/15/20).
 Need amended Sch I for co-debtor new job (FILED - $4,307 DISPOSABLE INCOME).
 Verified income documentation results in $1,866 monthly disposable income (NOW $4,520 PER MONTH).
 Excess Expenses - Sch J: $515 cell phones, $500 medical/dental, $920 transportation, $500 entertainment, $712 car payment, $500 home schooling, $100 school uniforms and $50 tutoring.

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

- Tax refund of $2,512 was not prorated and included in disposable income calculation (AMENDED).
- Need amended Sch B&C to add 2005 Chevy (AMENDED).
- Need amended G to address Kia lease (MP ASSUMES).
- Need proof of service on all creditors listed in Part 7a of the plan (FILED).
- Must file Pre-confirmation certificate (FILED).


Prop. Plan $193 x 5, $1,554 x 55, Base Plan, student
Matter ResolvedRequest
Adjourment
1057/1/2020 10:00 am19-33238 / CMGDavid Jerome WitherspoonConfirmation Hearing ScheduledContinued
8/5/2020 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $400.00  
6/18 workup for the 7/1 calendar EDC

341 held on 6/18
-objection by Specialized
*Trustee objection:
-needs to file 2018 and 2019 tax returns
- needs MP to surrender the Corolla
-needs to amend I to add back the pension loan income which has now ended
-needs to amend J to remove the Corolla payment
-needs to file pre conf cert
-need proof of ability to step up trustee payments in 11 months
$400 X 11 then 1260 x 49; BASE
Matter ResolvedRequest
Adjourment
1067/1/2020 10:00 am19-33261 / CMGSTEVEN J ABELSON, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $1,632.00  
7/2/20(mk): numbers changed due to Amended order for Mid first was w/d so Post pet is per Order 5/29/20;

Amended conf terms: ***$9792 PTD , $3,617 x 54 begin 7/1/20< base , Strike Cram of IRS in Plan at Part 4d and part 7c.
Distribution is Per plan.***


As of 6/30/20(mk):attty ok to terms

***CAN REC CONFIRM AT $9,792 PTD, Then $3,645 x 54, Begin 7/1/20; Base; Strike Cram of IRS in Plan at Part 4d and part 7c. ;
Distribution is Per plan.



6/30/20: another CO submitted 6/30/20 re: IRS Resolving issues from 4/2/20 CO & APOCs filed. The 4/2/20 CO still stands and the CO that was just submitted today and will be entered in July amends portions of 4/2/20 Order so the orders need to be read together for claims set up. Notes are on worksheet.

As of 6/26/20(Mk) :Atty reply : been back & forth w/ E. O'Hagan /IRS- IRS agrees there are errors - working on it and hope t have resolved Monday with agreed to amts. to work case up.

Amended Order submitted to Chambers By Mid first(KML) for PP arrears- Now $6,944.65 atty fees/costs $571.

6/25/20(mk):Issues:

>> Email to atty as to status of tax issues & IRS & filing of MP. IRS priority liab. (per APOC #5-4)still unresolved, the payment of all the tax claims/Ordered amts ,will at a minimum, double the monthly TR payment. As of today's date, there 54 mos left in plan.

-CO was submitted to Chambers 6/18/20 that resolves that resolves NJ Div. Of Tax motion to extend stay. It sets forth amt. to be paid on priority POC #19-1 including interest for total $1,738.72. Then addresses corp liab.( debtor is sole shareholder in Lil Sprouts) to be paid & set up according to Order. so this addresses first note in 5/17/20.

-NEED STATUS OF THINGS WITH IRS. There is now an amended POC (#5-4) filed 5/20/20. Secured amt. $37,598.59 - SO Does this APOC #5-4 NOW CONTROL OR are We STILL DEALING WITH THE CO TERMS AS THAT CO CONTAINS INTEREST ON THE SECURED PORTION AND ADD'L CORP. LIABILITY THAT IS NOT IN TH
Matter ResolvedRequest
Adjourment
1077/1/2020 10:00 am19-33352 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $1,048.00  
AS OF 6/26/20 (SF)

Debtor is in the process of settling his divorce. His alimony and child support is increasing. We are asking for an adj to see how much higher the expense will be before confirming at a higher amount. (NEED AMENDED SCHEDULE J)



1. Objection filed by Santander (Morton) to cram of 2017 Hyundai Elantra (MUST RESOLVE) -OTBS (RECEIVED)

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

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


Plan proposes $427 x 59 0%
Payments: 5/6 Arrears: $621

RESOLVED:
- Updated auto insurance, insurance expired 1/17/20 (RECEIVED)
- Support payments $860 (need support order or proof of payments for the past 2 months). (RECEIVED)
- Must file Pre-confirmation certificate. (FILED)
6/8/20:FYI Order submitted to Chambers today resolving Santander Obj. Pay $19,910.00 over 60 months (being the net loan balance of
$17,165.00 with interest at 6% for 60 months. TR make AP payments to Santander $171 p/m begin 1/2020.(mk)
Matter ResolvedRequest
Adjourment
1087/1/2020 10:00 am19-33667 / CMGKevin Fayette, EsqConfirmation Hearing on Modified PlanConfirmedDebtor has made 2 of 7 required payments   Arrears: $1,285.00  Total Paid In: $2,570.00
As of 6/19/20(mk):atty ok to terms

***CAN REC. CONFIRM AT $2,570 PTD,THEN $1,285 X 54, BEGIN 7/1/20; BASE;STUDENT LOAN TO BE PAID OUTSIDE; STRIKE PART 6 AS PERTAINS TO CURE TO NJR CLEAN ENERGY VENTURES***

- Need to strike part 6 as pertains to cure of NJR Clean Energy Ventures per prior confirming order.

MP proposes PTD then 1285 x 55; base ;Std loans outside.
plan adds post pet. mtg arrears.
plan has run 6 mos and 54 remain

Matter ResolvedRequest
Adjourment
1097/1/2020 10:00 am19-33807 / CMGCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing ScheduledContinued
9/2/2020 10:00 am
Debtor has made 4 of 7 required payments   Arrears: $547.00  
6/18 workup for the 7/1/ calendar
BELOW ISSUES NOT RESOLVED.
-FILED AMENDED ABC ON 6/24 THAT NEEDS TO BE REVIEWED

*can't pay Rubiano because no claim filed-late claim filed 6/24 for $4652 by attorney
*Trustee obj to the following:
- Schedules fail to add tax refund $2,076.
- Need service to Mariner Finance, no service done, listed in plan as judgment lien. RECOMMEND TO BE STRICKEN.
-Capital One obj to cram of 2011 Kia Optima, obj must be resolved-- filed bifurcated claim, secured $7,150, unsecured $2,999.36, arrears $1,771.09. Claim must be resolved.MK:(COTBS PER LAST TIME BUT NO ORDER YET)
-IRS filed estimated claim, must resolve claim, 2013 Tax return not filed.(amended)

Prop Plan $277.89 x 18, $246.10 x 42 Base
Note: Proof of auto insurance provided.
Matter ResolvedRequest
Adjourment
1107/1/2020 10:00 am19-33939 / CMGANDY WINCHELLConfirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $600.00  
6/30/20: all tax returns filed . Waiting for decision on LM.

- 6/26/20 - ADJ Request Denied Without Prejudice - Atty failed to address other confirmation issues (dm)

ISSUES AS OF 6/24/2020 (DM):

- 5/2/20: Requested adjournment to allow mtg co to reply to Loan Mod - Adj to 7/14/20 Peremptory.

1) IRS filed $2,888.22 priority claim not treated in plan (UNRESOLVED).

2) State of NJ filed 568.93 priority claim that includes estimated taxes for 2017 not treated in plan (UNRESOLVED).

3) State of NJ filed an unsecured claim that includes estimated taxes for 2011 thru 2014 (UNRESOLVED).

4) US Bank/Caliber (PHELAN) OBJs - $643,832.64 arrears (UNRESOLVED).

5) Santander filed higher arrears claim ($950) on 2013 Land Rover (OKAY TO PAY??)

6) Cert of Service does not reference whether creditors affected by plan motions received a transmittal letter and supporting documentation (UNRESOLVED).

7) Trustee OBJ:
 Plan vests upon discharge - need to vest upon confirmation OR provide proof Trustee is named as loss payee on home & auto insurance.
 Sch B list potential claims against creditors, PI settlements, social security, unemployment, VA Benefits and workers comp. Are there any pending lawsuits? If no STRIKE. If Yes, need to be added to confirming order the non-exempt proceeds to Trustee.
 Must file fee application within 7 days of confirming order.
- Need proof of service with respect to Plan Motions (FILED).
- Excessive Exp: $556 homeowners insurance (verifies at $283.92), $600 elec, & $710 car payment (MOOT).


Prop. Plan $600 x 60, Base Plan, Loan Mod by 6/1/20
PTD 5/6 = $3,000
Last Claim (11-1)
Matter ResolvedRequest
Adjourment
1117/1/2020 10:00 am20-10038 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanMootDebtor has made 3 of 6 required payments   Arrears: $370.00  Total Paid In: $1,008.00
Mk: MOOT : CASE WAS CONFIRMED ON 6/17/20 WITH THE WORK UP ON THE MP (#20)BEFORE CONF.
Matter ResolvedRequest
Adjourment
1127/1/2020 10:00 am20-10066 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
9/16/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $742.00  
6/22 workup for the 7/1 calendar EDC

-Need tor resolve ADV PRO Filed by Debtor vs. Advance Funding & Allan Talbert.(mk).-objecting to $60k claim on assignment agreements. A Late claim filed by Advance Funding for $60,538.76
-debtor was awarded $325,000 in Sept 2019 for injuries but under appeal-need non-exempt
* IRS filed priority claim $1,674.16, not in plan, ok to pay? Per email from attorney, ok to pay
* Trustee obj to the following:
- Must amend Statement of Financial Affairs to list attorney fees collected prior to bankruptcy filing.
- Debtor has undertaken an improper use of exemption. Specifically: Both Debtor and Co-Debtor must demonstrate that they are entitled to an exemption in connection with the personal injury claim. - AMENDED SCHED B AND C FILED DOES NOT CORRECT EXEMPTIONS, SAME ISSUES REMAINS UNRESOLVED.
- Case needs to be a base, due to PI lawsuit.

Prop Plan $742 x 60 $0
Note: Expense moot. 2019 Tax return provided. - Current market analysis with summary/narrative page, PROVIDED 5/4/20.
Matter ResolvedRequest
Adjourment
1137/1/2020 10:00 am20-10176 / CMGJOSEPH ALBANESE, ESQConfirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $130.00  
Debtor received Trial Payment Plan - Adj to 8/19/20
5/13/20: Adj Requested. Emailed Atty need proof of current home insurance w/ Tr as add' loss payee. UPLOADED 5/14/20.

As of 5/12/20(mk):

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

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

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

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

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




plan:130/36, LM: 502 PEACHTREE LANE BY 6/1/20, 0$
payments:4/4
last claim:8-1, bar date:3/16/20
Matter ResolvedRequest
Adjourment
1147/1/2020 10:00 am20-10190 / CMGSEYMOUR WASSERSTRUM, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 6 required payments   Arrears: $225.00  
6/22 workup for the 7/1/ calendar EDC
=PER TRUSTEE OBJ BELOW WE CAN COMPROMISE AND CONF AT ***$675 paid then $200 x 31 beg 7/1/20-pro rata- 2018 tax returns to trustee by 8/15/20-use trustee order of distribution

* Stay Relief by LL Granted in March ,2020 on Debtor's residence ..surrender per plan OK
* Trustee objection need:
-A copy of the last filed tax return - 2019 by 8/15/2020
-income proof provided verified higher at $2,334.37 which is more than the $2,133.30 on the schedules leaving
disposable net of $354.47 which requires plan base of $10,208.73 - cannot be a zero
percent plan
-The debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l).
Matter ResolvedRequest
Adjourment
1157/1/2020 10:00 am20-10231 / CMGAngela Nascondiglio Stein Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 6 required payments   Arrears: $115.00  Total Paid In: $400.00
7/1/20 - LATE HONOR ROLL - YOU MUST READ INTO RECORD

ISSUES AS OF 6/30/2020 (DM):

***Based upon the Order resolving MFR filed by HSBC, TRUSTEE WILL RECOMMEND CONFIRMATION AT $400 PTD, THEN $115 x 31 STARTING 7/1/20, MINIMUM DIVIDEND OF $3,020, LOAN MOD WITH HSBC BY 10/1/20, NO PAYMENT OR RESERVE BY THE TRUSTEE PENDING THE LOAN MOD***

1) HSBC Bank (RAS) has pending MFR scheduled for 6/3/20 (ORDER ENTERED - LOAN MOD BY 10/1/20).

2) Trustee OBJ:
- Insufficient income - income on P&L significantly lower than the amount on Sch I
- Need copy of 2019 tax return by 8/15/20 (RECEIVED).
- Need amended Sch I for husbands sporadic work (CERT - HUSBAND WORKS FOR DEBTOR'S BUSINESS).
- There is $3,020 non-exempt equity in cars and business per filed Sch C


Prop. Plan $100 x 36, Base Plan, Loan Mod 6 months
PTD 4/5 = $400
Last Claim (12-1)
Matter ResolvedRequest
Adjourment
1167/1/2020 10:00 am20-10243 / CMGJOSEPH J ROGERS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 6 required payments   Arrears: $659.00  Total Paid In: $2,160.00
6/18 WORKUP FOR THE 7/1 CALENDAR edc-Per Atty-OK to tems(mk)

-claims a little higher CAN CONFIRM AT***$2160 paid then 659 x 55 beg 7/1/20 pro rata--Trustee Standard Order of Distribution.
pre conf cert in 10 days---updated POI 1/1/21--2019 taxes by 8/15/20


*Trustee objection:
-A copy of the last filed tax return - . Need copy of 2019 Tax Return by 8/15/20.
-The debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l).
-File pre-confirmation certification.
-add to confirming Order that debtor is to provide updated proof of income 4 months
from confirmation.

Matter ResolvedRequest
Adjourment
1177/1/2020 10:00 am20-10878 / CMGGARY L MASON ESQConfirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

6/22/20(Mk) adj. request as debtor needs to retain new counsel. See PN.

As of 6/19/20(MK):


--NOTING DONE OR RESOLVED AND NO INFO PROVIDED PER ALL NOTES BELOW SINCE LAST HEARING NOTES IN MARCH FOR THE 4/1/20HEARING--

>>>It appears debtor has 3 Mtgs on RE. 1. Specialized Loan 2. Select Portfolio/CSMC 2019-JR1Trust 3. Wells Fargo. Claims filed for #1 & #2 but no poc for #3 and no Mtg stment provided. Plan has cram of #3 Wells Faro.<<<

1. Objection by CSMC 2019-JR1 Trust(Frenkel): NEED TO CLARIFY- IS THIS 2nd MTG?
- plan fails to pay arrears

2. Objection By US Bank/Wells Fargo(Shapiro); NEED TO CLARIFY- IS THIS 1st MTG?
-plan fails to cure full amt of arrears.

3.Objection by Santander(Morton):
-plan silent as to 2018 Audi- should be unaffected

4. Trustee Objection:
-need current market analysis( what was provided is not adequate- no date & missing pages) & no value provided)
-need Business profit & loss statements
-need Business forms - for New Fitness Holdings.
POS for cram on Wells fargo 3rd MTG does not have copy of transmittal letter attached and does not appear to be proper address
-need Amendments to Schedules Disclosure of Chapter 13 Debtor's Attorney compensation
- form filed is blank- ZERO WILL BE PD TO ATTY THRU PLAN
-Schedules fail to account for tax refund of $9,348 when determining disposable income.
- Trustee needs an updated CMA to determine whether there is equity in real estate.
- Order of Distribution is contrary to T'ee Std. order.(USE T'EE STD ORDER)
-must file pre conf cert.


Plan:650 X 60 BEG 2/20; BASE
Payments:5/5
last claim: 23-1, bar date:3/30/20
Matter ResolvedRequest
Adjourment
1187/1/2020 10:00 am20-10902 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 3 of 6 required payments   Arrears: $4,176.00  
ISSUES AS OF 6/24/2020 (DM): - PER ATTY, OK TO DISMISS/HOLD FEES.SF

***Proposed Plan is 100% - is vehicle cram necessary? Need updated proof of homeowners insurance - RECOMMEND DISMISSAL FOR INSURANCE***

 5/19/20 (DS): Attorney requested adjournment to get appraisal on vehicle - . Adj to 7/1/20 Peremptory.

1) IRS filed $26,692.20 priority claim, not treated in plan, that includes estimated taxes for 2019 (UNRESOLVED).

2) MFR filed by Cross Country Mtg (MILSTEAD) - scheduled for 7/1/20 (UNRESOLVED).

3) Cross Country Mtg (MILSTEAD) OBJs - $43,435.31 arrears (OKAY TO PAY HIGHER CLAIM??)

4) Santander (J. MORTON) OBJs to to cram, low AP payments and proof of auto insurance required (UNRESOLVED).

5) Trustee OBJ:
- Need copy of 2019 tax return.
- Need copy of homeowner insurance renewal declaration - policy received expires 5/31/20.
- Need Dec & Jan bank statements for TD Bank acct.
- Need Dec bank statement for Shore Community Bank acct.
- Debtor must demonstrate that he is entitled to 522(d)(1) exemption on Holly Street property.
- Excessive Expenses - Sch J: $500 childcare (requires proof), $1,421 transportation, $463 and $600 gas/electric, and $600 tele/cell/cable/internet.
- Form 122c is scheduled at $6,054.09 which requires a 100% plan or $363,245 minimum dividend.
- Income docs verify higher ($11,239) than scheduled ($10,935).
- Sch I fails to prorate $3,288 tax refund and include in disposable income calculation.


Prop Plan $1,392 x 60, 100% Plan
PTD 3/5 = $4,176
Last Claim (3-1)
Matter ResolvedRequest
Adjourment
1197/1/2020 10:00 am20-11058 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 6 required payments   Arrears: $1,725.00  
6/22 workup for the 7/1 calendar EDC

$1725 paid then 575 x 55 beg. 7/1/20 0% to gucs

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

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

Plan proposes: $575 x 60, 0% to guc's
Payments: 3/4, arrears $575
Matter ResolvedRequest
Adjourment
1207/1/2020 10:00 am20-11183 / CMGTIMOTHY P KANE ESQConfirmation Hearing ScheduledContinued
8/5/2020 10:00 am
Debtor has made 2 of 6 required payments   Arrears: $5,229.00  
 6/26/20 - ADJ to 8/5/20 Peremptory to resolve issue of debtor mistakenly sending Trustee payment to mtg co.

ISSUES AS OF 6/24/2020 (DM):

***Debtor has only made 2 of 5 Trustee payments with last payment received in March - RECOMMEND DISMISSAL***

1) Plan proposes $1,507 priority treatment to State of NY - no POC filed (STRIKE??)

2) US Dept of HUD filed a secured claim not treated in plan (UNRESOLVED).

3) Nissan filed $428 arrears claim on 2019 Nissan Rogue lease not treated in plan (UNRESOLVED).

4) Plan proposes $2,371.98 secured treatment to Erin Capital Management - no POC filed (STRIKE??)

5) Trustee OBJ: (ONLY $6,691 GUC CLAIMS FILED - WILL NEED 100%)
- Need copy of 2019 tax return by 8/15/20.
- Need dec page from current car insurance policy.
- Need MP that treats 2nd mtg held by HUD (UNRESOLVED).
- Need Atty Cert that verifies debtor SSN is accurate (RECEIVED).
- Excessive Expenses: $700 car insurance, $689 car payment.
- Need March pay stubs (UPLOADED 6/24/20 - need to review).
- Tax refund of $1,042 was not prorated and included in disposable income calculation.
- Verified income results in $7,169 disposable income - needs 100% plan.
- The debtor is not devoting all disposable income to the plan.
- Reviewed Form 122c, Line #33 should be $3,081 (correct monthly mortgage payment). Per Form 122c, monthly disposable income is $5,736 which requires $344,160 minimum dividend - Plan needs to be 100%.


Prop. Plan $1,301 x 60, Base Plan
PTD 2/5 = $2,602
Last Claim (9-1)
Matter ResolvedRequest
Adjourment
1217/1/2020 10:00 am20-11325 / CMGANDREW CARROLL, ESQ.Confirmation Hearing ScheduledContinued
9/16/2020 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

As of 6/19/20(mk):

>>Once the Est. IRS claim is resolved, Case will be ready to be worked up<<


1.IRS Priority & Unsecured Estimated Claim- NO RETURNS FOR 2016-2019.

2. Trustee Objection:
-there is non-exempt equity of 61,750.38 in real estate.
-Order of distribution differs from TR std order.
-need IRS Est. claim resolved.
-verifies higher 3,409.27 but included soc. sec & contribution so moot.

Plan:2035 X 60 BEG 2/20; 100%
payments:5/5
last claim:2-1, bar date:4/7/20
Matter ResolvedRequest
Adjourment
1237/1/2020 10:00 am20-11338 / CMGCAMILLE J KASSARConfirmation Hearing on Modified PlanContinued
8/5/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $111.00  
Says he needs a MP -NFA

mk:6/30/20- Email from B. Caine (Bank Of America/ Carrington)STATUS ON LM IS NO LM PACKAGE HAS BEEN SUBMITTED.NOTHING GOIN ON. Loss Mit expired 5/25/20.--Now there is a motion for relief filed on 8/5/20 also

conf hearing on orig. plan #11 was adj to 7/1/20- that should be w/d- this is MP #27 and put on same date EDC

6/23 workup for the 7/1 calendar EDC

*Objection by Bank of America to loan mod-was to be completed by May per original and modified plan. Status?
* Trustee objection need:
-A copy of the last filed tax return - for 2019.
- The current Plan does not specify treatment of US Dept of HUD under the Plan.(pay outside POC is 0)
-The debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution
- Must resolve creditor objection.
- Must file Pre-confirmation certificate
Matter ResolvedRequest
Adjourment
1247/1/2020 10:00 am20-11797 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $913.00  
6/23 workup for the 7/1 calendar EDC

*LM extended to 8/19/20
* Objection filed by First Atlantic FCU (McCabe) - plan does not propose to pay full amount to pay off 2nd mortgage. Plan proposes $17,366, per POC payoff is $46,966.94. (UNRESOLVED)
* Trustee's objection:
- plan is a Loan modification. Must be a base dividend not 0%. (OK)
-----------------------------
- A current market analysis - needs to include the cover page so we see the source of the CMA. (RECEIVED)
- A copy of the last filed tax return - 2019 by 5/31/20. (RECEIVED)
- Must file pre conf. cert. (FILED)

Plan propose: $913 x 60, $0 to guc's, loan mod months after confirmation
Payments: 3/3
Matter ResolvedRequest
Adjourment
1257/1/2020 10:00 am20-11853 / CMGBRUCE W RADOWITZ ESQConfirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

As of 6/22/20(mk)

>>341 was 4/24/20. Nothing done since then up to day's date. ADJ. Request has been uploaded . Updated home & auto insurance uploaded 6/22/20. Also see doc #27 filed 6/19/20 Debtor's cert.

1. Notice of Mtg. Forbearance filed 5/27/20(#26).
-90 days. 4/24/20-7/23/20. Payments resume 7/24/20.
-current payment amt . $5136.89.

2. Objection by PNC Bank(Fein Such):
-objects to value of RE
-debtor is delinquent in post pet payments.

3. Plan has Ally Fin as unaffected- POC $18.76- OK TO PAY?

4. WElls Fargo filed Secured POC for $653.89- NOT IN PLAN- Needs to be addressed

5. Trustee objection:
-need Proof of income for Co-Debtor from Nov 2019 - Feb 2020. Docs provided end Oct.
-need 2019 tax return by 8/15/20.
-need proof of current home insurance: expired 2/24/20.
-need updated auto insurance,: expired 3/17/20.
-need Amendments to Schedules B & C to correct year of 1999 Suzuki and add 2017 Jeep
Compass, listed on insurance, no other drivers.
- Plan has excessive expenses-Estimated IRS taxes $700 (requires proof of payments to IRS).
- Not paying all disposable income into the plan. due too:
-income verified higher based upon proof at $12,695.32 than the scheduled amt. of
$12,225 leaves disposable income at $2,737 which amount included the IRS est tax
payment of $700 per month. If debtor cannot verify that it is actually paid, that amount will
be deducted form J and that will leave more disposable income requiring a higher plan
payment.
-22c Line 18 takes life insurance $350, Line 23 $250 and Line 35 amount is much higher
than what is in Plan. 22c takes household of 4, but tax return only list 1 dependent,
should be household of 3.
-122c has disposable income.
- debtor has failed to provide proof of service with respect to Plan Motion(s).
- Order of distribution differs formTR standard order.
- need Valuation on all vehicles. Per NADA 1999 Suzuki Grand Vitara estimates lowest $950,
Sched B has $500, 2012 Audi A3 NADA estimates lowest $4,600, Sche
Matter ResolvedRequest
Adjourment
1267/1/2020 10:00 am20-11935 / CMGKarina Pia Lucid Confirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $1,949.00  
Debtor attorney requested adjournment, to get supportive dos and resolve objections.

As of 6/29/20 (DS): 1. Trustee obj to the following:
- Flat fee of $5,060 of which all is in Plan for attorney fees is in excess for allowed amount ($4,750). Needs amended disclosure and plan balance of fees must be adjusted as well. EMAIL FROM DEBTOR ATTORNEY STATES FEES WERE OWED FOR PREVIOUS CASE 19-29451. BALANCE OWED WAS $2,660, WHICH ALSO INCLUDED FILING FEES. CASE WAS DISMISSED AT CONF DUE TO NO 341 HELD, NO DOCS EVER PROVIDED AND NO PAYMENTS MADE. ATTORNEY WAS PAID OUTSIDE $2,090, OWED $2,660.
- Must file pre-conf cert.
- Need proof of insurance for 1976 Honda Accord-NADA HAS LOWEST VALUE $875, SCHED B HAS $0. PER EMAIL CAR INOPERABLE AND HAS NO INSURANCE.
- Current Plan does not specify treatment of Cheesequake Village Association. CLAIM FILED AS UNSECURED.
- There is $61,622.29 in non exempt equity in real property. Plan is 100%.
- Must provide copy of 2019 tax return by 8/15/20.

2. Shellpoint obj to plan proposing to pay claim in full. Obj must be resolved. Mod plan propose to pay

3. Cheesequake Village Assoc obj to not in plan as post-petition payments. POC filed as unsecured. Obj must be resolved.

Prop Plan $1,592.23 x 3; $1,770.53 x 57 100%
Matter ResolvedRequest
Adjourment
1277/1/2020 10:00 am20-12109 / CMGJAMES J CERBONE, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $208.00  
ISSUES AS OF 6/24/2020 (DM): Updated 6/30/20

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $312 PTD, THEN $106 x 56 STARTING 7/1/20, MINIMUM DIVIDEND OF $3,000, LOAN MOD WITH WELLS FARGO POC (1-1) AND POC (2-1) BY 8/31/20, NO PAYMENT OR RESERVE BY TRUSTEE PENDING THE LOAN MOD***

 6/3/20 MK: Atty to provide info/explanation as to the Trust - house put into trust - he says that doesn't matter.

1) Wells Fargo (SHAPIRO) OBJs - $56,941.14 arrears on 1st mtg (CO ENTERED - LOAN MOD BY 8/31/20).

2) Wells Fargo (SHAPIRO) OBJs - $885.28 arrears on 2nd mtg (CO ENTERED - LOAN MOD BY 8/31/20).

3) Trustee OBJ:
- Debtor needs to provide a copy of the 2010 trust.
- Must file Pre-confirmation certificate (FILED).


Prop. Plan $104 x 60, Min Div $3,000, Loan Mod by 10/31/20
PTD 3/4 = $312
Last Claim (6-1)
Matter ResolvedRequest
Adjourment
1287/1/2020 10:00 am20-12257 / CMGROBERT C NISENSON ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $2,000.00  
AS Of 6/29/20(mk): Atty says will do 100%- ok to terms(mk)

>>TO RESOLVE TRUSTEE OBJECTIONS TO DISPOSABLE INCOME AND EXCESS EXPENSES>> ***CAN REC CONFIRM AT $8,000 PTD, THEN $2,780 X 56, BEGIN 7/1/20;100%. Preserve T/H of $15,000NE Equity in bank account***


1. Trustee Objection:
-need valuations for all time shares.
-Modified Plan that surrenders the Marriott time shares.
-plan has excessive expenses:$659.51 Marriott time shares, $304.53 Marriott time share maintenance.
- Form 122c: $268 Svo Portfolio time share expense taken on Line #9b, $268 Taylor
Management time share expense taken on Line #9b, $963 time share expense taken on
Line #33d, $1,202 time share expense taken on Line #33d.
-income proofs verifies higher ($9,030.)than scheduled ($7,577).
debtor's yearly bonus was not included in the calculation.
- Disposable income per Form 122c, as adjusted, is $3,945.20 which requires a $236,712
minimum dividend.
-there is non exempt equity in savings acct. of 15,000.
-------------------------
-need 2019 tax return by 8/15/20.(Provided).
-need statement for 401k loans.(Provided).
-need Feb.bank statements for Chase chking & Sav accts.(Provided)
- Amend SOFA to disclose fees( Provided).

Plan:$2000 X 60 BEG 3/20; BASE
payments:4/4
last claim:16-1, bar date:4/21/20


Matter ResolvedRequest
Adjourment
1297/1/2020 10:00 am20-12334 / CMGBARRY J. BERAN, ESQ.Confirmation Hearing ScheduledDismissedDebtor has made 4 of 5 required payments   Arrears: $427.00  
NS

As of 6/19/20 (DS) 341 not held 4/23/20, missing docs (signed contribution affidavit, CMA for 17.
Matter ResolvedRequest
Adjourment
1307/1/2020 10:00 am20-12433 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
8/5/2020 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $1,000.00  
6/30/20(mk): needs bank approval for short sale and bank wants AP payments

AS of 6/21/20(mk):

1. Objection By US Bank( McCalla): UNRESOLVED
-plan fails to pay arrears.
-already 1 failed Motion to Sell.

2. Trustee Objection:
-Proof of 2 month's income - (due to COVID work stoppage we need updated proof of
income for husband in 60 days
-Amendments to Schedules J to remove mortgage payment of $750. (strip off)
-plan has excessive expenses:$750 as a mortgage payment on schedule J.
debtor not paying the first and stripping off 2nd mortgage so payments should be removed.
-need to resolve objection by US Bank/PNC Mortgage.
-Estimated POC IRS- (AMENDED POC Filed).
-need 2019 tax return( Filed).



Plan:500/36, SALE: 2063 BENJAMIN CIRCLE 6MOS AFTR CONF,BASE.
Payments:3/4
last claim:6-2, bar date:4/23/20
Matter ResolvedRequest
Adjourment
1317/1/2020 10:00 am20-12901 / CMGKarina Pia Lucid Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $461.00  
as of 6/25/2020

ok to confirm at $1,944 paid to date, $477x56 begin 7/1/2020 base plan which includes minimum $17,200.63 dividend general unsecured creditors.

1) Wells Fargo Bank (Powers Kirn) objection to confirmation - RESOLVED
2) Trustee objection to confirmation - need to resolve
-not paying all disposable income into plan - Schedule J has $200 tax payment expense, need proof of expense being paid monthly - debtor no longer operating business
-the plan should be confirmed at 100% with a $42,839 minimum dividend to general unsecured creditors MORTGAGE CLAIM LOWER THAN SCHEDULED, DEDUCTED THE PRIORITY CLAIM TO THE IRS AND LEAVES NON EXEMPT EQUITY IN THE AMOUNT OF $17,200.63, AS GUC CLAIMS EXCEED $68,000 THE CASE WILL BE CONFIRMED AS A BASE WITH MINIMUM TO GUCS OF $17,200.63 DUE TO NON EXEMPT EQUITY
Matter ResolvedRequest
Adjourment
1327/1/2020 10:00 am20-13135 / CMGMICHAEL MCLAUGHLINConfirmation Hearing on Modified PlanContinued
7/15/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $200.00  
AS OF 6/25/20 (SF)

1. Objection filed by US Bank (Phillip Raymond) - failure to pay arrears; speculative sale and insufficient income
2. Trustee objection:
- The debtor has insufficient income to fund the plan.
3. Motion for Relief by US Bank 7/1/20 at 9 (NEED OUTCOME)


Plan proposes $200 x 36 100%, Sale by 3/31/21
Payments: 4/4

RESOLVED ISSUES:
- Need a Modified Plan that runs a minimum of 36 months (MP FILED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution,. (MP FILED)
-Must file Pre-confirmation certificate (FILED)
- There is non-exempt equity on real property, personal assets and bank accounts. Will confirm at 100% due to non-exempt equity on assets. (Modified plan proposes 100%)
Matter ResolvedRequest
Adjourment
1337/1/2020 10:00 am20-13186 / CMGJOSEPH CASELLO ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 5 required payments   Arrears: $300.00  Total Paid In: $1,200.00
AS OF 6/29/2020 (at): atty ok to terms

RECOMMEND: $300 X 28 BEGINNING 3/1/2020, $636 X 32 BEGINNING 7/1/2022, 100% TO GUC'S

Trustee's objection:
- The Modified Plan seeks to strip the lien of Creditor, Veripro Solutions which was not in the previously confirmed plan. Debtor must file a separate motion with proof of service to strip lien of Veripro Solutions. (OBJECTION WITHDRAWN)

MP proposes: $300 x 28 beginning 3/1/2020, then $630 x 32, 100% to guc's
Payments: 4/4
Matter ResolvedRequest
Adjourment
1347/1/2020 10:00 am20-13569 / CMGKarina Pia Lucid Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $638.00  
as of 6/25/2020

To resolve Trustee objection and pay filed claims, need to confirm at $2,681.21 paid to date, $888x57 begin 7/1/2020 base plan
-2019 tax return provided to Trustee on or before 8/15/2020
-US Dept HUD claim #2 to be treated as unaffected by the Plan

1) Trustee objection to confirmation - need to resolve
-need a copy of the 2019 tax return by 8/15/2020 ADD TO CONFIRMING ORDER
-the debtor is not paying all disposable income into plan - excessive expense $669/car payment RESOLVED DUE TO HIGHER CLAIMS
-net disposable income is higher than scheduled amount of $826.56 DUE TO HIGHER CLAIMS, REQUIRED PLAN BASE IS HIGHER THAN EXCESS INCOME
2) US Dept of Housing & Urban Development filed secured claim with zero arrears - not treated in plan TRUSTEE RECOMMENDS ADDING TO CONFIRMING ORDER TREAT CLAIM AS UNAFFECTED BY PLAN

proposed plan $829.90x60 base plan
paid in $2681.21
last claim 15
Matter ResolvedRequest
Adjourment
1357/1/2020 10:00 am20-13585 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $142.00  
AS OF 6/22/20 (SF)

1. 341 NOT HELD - Rescheduled to 7/23/20
2. PAYMENTS: Current $871.38 Received
Matter ResolvedRequest
Adjourment
1367/1/2020 10:00 am20-13598 / CMGJOAN S. WARREN, ESQ.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  

As of 6/26/20 (DS): Ok to confirm at $716 x 4 begin 4/1/20, $813 x 56 begin 8/1/20 100% to gucs, due to disposable income
- Student loans to be treated outside.
- Trustee ok to pay the arrears Claim#1-1 of Carvana.
- Claim 2-1 of AmeriCredit to be treated outside and not paid, due to no arrears owed.
- Debtor to provide 2019 tax return no later than 8/15/20.
- Debtor must amend the estimated claim of IRS or move against the claim no later than 8/15/20.

As of 5/5/20 (DS): Debtor attorney requested adjournment, still gathering info for Trustee.

5/6/20 (DS): 1. Trustee obj to the following:
- Need 2 months updated income from the business, due to Covid-19 (docs provided and income still verifies higher.
- Still missing 2019 Tax return.
- Income still verifies higher $8,971.39, than scheduled $7,331.85.
- Must address IRS estimated claim for 2019 taxes.

2. Carvana filed arrears claim for $317. Ok to pay?

3. No arrears claim filed by AmeriCredit, plan list to pay arrears $718. Ok to strike?

Prop Plan $716 x 60 Base
Note: Updated auto insurance provided. Obj with mortgage resolved to pay claim. Updated P&L provided, income still verifies higher.
Matter ResolvedRequest
Adjourment
1377/1/2020 10:00 am20-13685 / CMGJOSEPH ALBANESE, ESQConfirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $980.00  
AS OF 6/25/20 (SF)


1. Debtor recently received mortgage forbearance Atty need will be filing a modified plan.
2. Clark Commons Homeowners Association filed bifurcated claim: $3305.65 secured and $8660.60 unsecured. The claim makes no sense. Creditor needs to file amended claim.
3. Trustee objection:
- Proof of 2 month's income - : Updated income for April and May income. (pay stubs)
- A copy of the last filed tax return - : 2019 by 8/15/2020.
- Need proof of insurance for the Lexus.
- Need updated agreement regarding the new rent.
The Schedules fail to account for the debtor(s) tax refund in the amount of $1,827.00 when determining disposable income.
- There is $20,688.95 in non-exempt equity in the Clark property.
- There is $11,028 in non-exempt equity in the Lexus and bank accounts.
- Need to file a Pre-confirmation Certification.
- Vesting of the estate is upon discharge. Debtor must list the trustee as a loss payee on all real estate and auto insurance policies or the vesting of the estate will be upon confirmation with language in the confirming order.
- Need Certification regarding whether he is entitled to life insurance proceeds or property from someone's estate.

Plan proposes $980 x 60 Base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1387/1/2020 10:00 am20-13731 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
8/5/2020 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $2,286.00  
6/30/20(mk): MP filed (#27) & W/D .New (#29) filed

AS OF 6/26/20 (SF) - BELOW ISSUES STILL APPLY

1. Objection filed by Ford Motor Credit (Morton) - Plan rejects lease and fails to pay arrears. Also asking for prompt cure
2. Objection filed by M&T Bank (Schiller, Knapp) - failure to pay arrears of $67,839.58

3. Loss mit order expires 7/9/20

4. IRS filed estimated priority claim 3-1 (NEED AMENDED CLAIM)

5. Trustee objection:
The debtor has insufficient income .
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2018 for spouse now, 2019 for debtor and spouse by 8/15/2020
- The debtor has failed to supply proof of Social Security Number to the Trustee.
- The Plan fails to provide for a prompt loan modification completion date.
- need to provide Trustee with documents used to calculate spouse income, documents provided are significantly lower.
6. Must file pre-confirmation certification.

Plan proposes $1143 x 60 Base, Loan Mod by 1/1/21
Payments: 2/3 Arrears: $1143
Matter ResolvedRequest
Adjourment
1397/1/2020 10:00 am20-13877 / CMGANDREW J KELLY, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  

As of 6/25/20(mk):atty ok to terms


**REC CONFIRM AT $600 X 4, BEGIN 4/1/20;THEN 604 X 56 BEGIN 8/1/20; BASE***


1. Trustee objection:
NEED TO GET CURRENT ON TRUSTEE PAYMENTS( PIAD IN)
-need tax returns for 2018 and 2019 or cert of non-filing.(Cert filed).
Must file Pre-confirmation certificate.(Filed)


Plan:600 x 60 Base
payments 4/3
last claim:6-1, bar date:5/15/20
Matter ResolvedRequest
Adjourment
1407/1/2020 10:00 am20-14015 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
9/16/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $400.00  
AS of 6/19/20(mk):

>.Same notes as last hearing 5/20/20<


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

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


Plan:400 x 12;875 x 48, LM 893 Gloucester Ave by 9/1/20;base
payments:3/3
last claim:11-1, bar date:5/18/20
Matter ResolvedRequest
Adjourment
1417/1/2020 10:00 am20-14144 / CMGOTTO J KOSTBAR, ESQConfirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $200.00  
AS OF 6/30/20 (SF) - Atty just submitted adj request but does not have consent from both objecting creditors. Had eye surgery and still recovering.

1. Objection filed by Carrington Mortgage Services (Stern, Lavinthal) - failure to pay arrears of $43,727 and speculative loan mod. Loan date is unreasonable.

2. Loss mitigation order expires on 7/21/20

3. Objection filed by Ford Motor Credit (Morton) - The plan does not assume the lease so therefore is rejected.(DOES THE DEBTOR STILL HAVE THIS CAR?)

4. Trustee objection:
- A copy of the last filed tax return - . Need copy of 2019 Tax Return by 8/15/20.
- A copy of the homeowner's insurance renewal declaration - Policy provided expired 11/13/17(MK: current policy thru 11/13/2020
uploaded 6/30/20) provided)
- The debtor has failed to supply proof of Social Security Number to the Trustee.
- Disposable income verifies higher at $985.13
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3158.00 when determining disposable income.

Plan proposes $100 x 60 Base, Loan Mod by 9/2020
Payments: 2/3 Arrears: $100
Matter ResolvedRequest
Adjourment
1427/1/2020 10:00 am20-14231 / CMGVERA FEDOROFFConfirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $558.00  
AS OF 6/24/20 (SF)


1. Income verifies higher at $945.54
2. There is non-exempt equity of $24,890 in real estate
3. Pension loan expires in 9/2020. An additional $1351.99 will be available
4. Add Standard order of distribution to confirmation order
5. If the above issues are resolved, can confirm at $558 x 6 (Begin 4/1/20), $1854 x 54 (Begin 10/1/20) 100% plan w/min $24,890 to gucs per equity in real estate. Add to conf order Trustee Standard Order of Distribution



Plan proposes $558 x 60 Base
Payments: 3/3

RESOLVED ISSUES:
4. Trustee objection:
- The debtor has undertaken an improper use of exemption. Specifically: -used d(1)
exemption on non-residential property 1390 Aetna Church Road, Tennessee (vacant land) (AMENDED. THERE IS NON-EXEMPT EQUITY OF $24,890 IN 1475 Highway 48 property)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution (WILL FIX IN CONF ORDER)
-need statement for Pension loan showing balance due (Received, loan expires on 9/2020 and additional $1351.99 will be available)
Matter ResolvedRequest
Adjourment
1437/1/2020 10:00 am20-14235 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 6 of 4 required payments   Arrears: $0  

AS OF 6/25/20 (SF)

1. Objection filed by PHH Mortgage (RAS Citron) - failure to pay arrears of $84,514.87 and speculative loan mod.
2. IRS filed estimated priority claim 5-2 for $10,58258 . Missing 2019 Return (NEED AMENDED CLAIM)
2. Trustee objection:
- Proof of pension income - from deceased mother's pension.
- A copy of the last filed tax return - for 2019.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: P&L takes excessive expense on home utilities $280, when Schedule J takes $265 total $545, Food $650 and Support/Alimony $1,000 (requires proof of payments made/order of support).
- 22c has disposable income $1,712, which would require $102,720 to gucs.
- The debtor has failed to provide proof of service with respect to Plan Motion(s). State of NJ.
- Must file Pre-confirmation certificate.

Plan proposes $400 x 48 Base w/min $36,720 to gucs, Loan Mod by 12/31/20
Payments: Current: $2200 received

RESOLVED:
- 2 months bank statements from TD Ameridtrade savings acct prior to filing date.
- A copy of the homeowner's insurance renewal declaration - with personal liability coverage, insurance provided does not have. (Received)
Matter ResolvedRequest
Adjourment
1447/1/2020 10:00 am20-14531 / CMGErik M. Helbing Confirmation Hearing ScheduledContinued
9/2/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $643.00  
AS OF 6/24/2020 (at):

CONFIRMATION ADJOURNMENT DENIED. NO CONSENT FROM OBJECTING PARTY

1. Ally Financial filed a secured arrears claim #6 in the amount of $162.72 which is not in the plan. Is it ok to pay this claim?

2. Objection filed by Wells Fargo Bank (Phelan) - debtor has insufficient income to fund the plan and cure pre-petition mortgage arrears. (UNRESOLVED)

3. Trustee's objection:
The debtor has insufficient income to fund the plan as, expenses exceed income by
$533.51.
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the homeowner's insurance renewal declaration - homeowners insurance policy provided fails to show personal liability coverage (NOT RECEIVED)
- proof of current auto insurance. (NOT RECEIVED)
- A Modified Plan that completes Part 8 c Order of Distribution and Part 8 d Post Petition Claims and treats Creditor US Dept of Housing claim as unaffected. (MOD PLAN NOT FILED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION)
- must address objection by Wells Fargo bank. (UNRESOLVED)
- must address IRS estimated claim for 2018 taxes- no return filed. (STILL ESTIMATED)
- per atty - Trustee Standard order of distribution. (LANGUAGE ADDED)
- must file pre conf. cert. (NOT FILED)

Plan proposes: $639 x 60, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1457/1/2020 10:00 am20-14613 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $1,582.00  
As of 6/24/20 (DS): Ok to confirm at $1,582 x 60 begin 4/1/20 100% to gucs

fyi: CO submitted to chambers 610/20 resolving obj to conf by Toyota Motor Credit.on cram. POC 6-1 reclassified to secured amt $12,865 & unsecured $4,842.88 (mk)

As of 5/18/20 (DS): Debtor attorney requested adjournment,

5/20/20 (DS): 1. Trustee obj to the following:
- Although plan proposes 100% there are excessive expenses on 122C and Schedule I on Line 10 $351 additional housing expenses and Line 30 $48 additional food.
- Excessive expenses on Schedule J: $1100 for food.
- Disposable income verifies higher at $1,825.40. Recommend waiting pass bar date 5/28/20.

Prop Plan $1,582 x 60 100%
Note: Service done. 2019 tax return provided and IRS estimated claim amended.
Matter ResolvedRequest
Adjourment
1467/1/2020 10:00 am20-14885 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $500.00  
AS OF 6/26/20 (SF)

1. The plan does not propose enough to pay claims at 100%. Total unsecured claims filed is $107469.9. The plan proposes $30,000. The payment will increase.

2. Wells Fargo/Bobs Discount Furniture filed bifurcated claim 21-1 for $756.84 secured and $677.15 unsecured and $1433.99 arrears. (HOW SHOULD THIS CLAIM BE TREATED?)

3. Trustee objection:
- Need a copy of the last filed tax return - 2019 by 8/15/2020
- Need A copy of the homeowner's insurance renewal declaration - policy provided expired 4/8/2020
- Need a copy of auto insurance renewal, policy provided expired 3/31/2020
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3005 when determining disposable income.
-bank statements - need Wells Fargo checking account #2379 and Wells Fargo Savings account #4980. Provide statements for 60 days before filing. Also provide February statements for the Capital One accounts #9698 and #3549

Plan proposes $500 x 60 100%
Payments: 3/3
Matter ResolvedRequest
Adjourment
1477/1/2020 10:00 am20-14922 / CMGMelissa Y. Spears, Esq.Confirmation Hearing ScheduledContinued
8/5/2020 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,050.00  
As of 6/18/20(mk):


> A MP WAS FILED 6/18/20(#23) & HEARING IS 8/5/20. THIS PLAN(#5) NEEDS TO BE W/D OR ADJ TO 8/5/20.
amended I filed (#22)




Matter ResolvedRequest
Adjourment
1487/1/2020 10:00 am20-14993 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledConverted to 7 / 11Debtor has made 1 of 4 required payments   Arrears: $0  

AS OF 6/24/2020 (at):

DEBTOR HAS MADE ONE PAYMENT SINCE FILING 3/27/2020.

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

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

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

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

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

6. FIG Cust/Valorem Real Estate Tax filed a secured arrears claim # 21 in the amount of $424.07 which is not in the plan. Is it ok to pay this claim?

7. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - : Need March and April pay stub to get a better average of Severance Pay. (NOT RECEIVED)
- A copy of the last filed tax return - : 2019 tax return by 8/15/20. (NOT RECEIVED)
- Need Feb & March bank statements for Bank of America and TD Bank accounts. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $500 transportation, $625 car payment
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- The Debtor is not devoting all $2,1217 scheduled disposable income to the plan per filed Schedules I and J.
- Disposable income per Form 122c as filed requires $32,034 minimum dividend to unsecured creditors.
- The current Plan does not specify treatment of the IRS (secured) and North Pointe Hollow Condo Assn under the Plan. (MOD PLAN NOT FILED)

Plan proposes: $300 x
Matter ResolvedRequest
Adjourment
1497/1/2020 10:00 am20-15080 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  

As of 6/30/20 (DS): Ok to confirm at $416 paid, $135 x 32 begin 8/1/20 Base with $2,419.95 minimum dividend to gucs, due to non-exempt equity on real property
- Non-exempt proceeds from PI lawsuit
- Within 10 days must file Pre-confirmation certificate
- Add to confirming order that Trustee ok to pay the arrears claim of Santander claim #4-1
- Debtor to amend or move against claim no later than 8/15/20
- Must amend or move against the estimated claim #1-1 of IRS
- COTBS within 30 days with BMO Harris

1. BMO Harris obj to plan surrendering in full satisfaction. Obj must be resolved. COTBS indicating that BMO will have an unsecured claim upon confirmation and surrender of the equipment to the extent of a deficiency claim upon sale of the equipment.

As of 6/2/20 Debtor attorney requested adjournment, mod plan filed and sched 7/1/20.

6/3/20 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income. Income verified $-812.87.
- Need 2019 tax return.
- There is non-exempt equity of $2,419.95 on the residence.
- Need to resolve the estimated claim filed by the IRS, 2019 tax return not filed.
- Must add to confirming order non-exempt equity from PI claim to trustee.

2. Arrears claim filed by Santander for $552.85. Ok to pay?

3. Must file Pre-confirmation certificate.

Prop Plan $104 x 36 Dollar Base $2,088.60
Note: Excess expenses moot, household of 2 and income is negative. Mod plan list BMO Harris and surrenders.
Matter ResolvedRequest
Adjourment
1507/1/2020 10:00 am20-15132 / CMGDAVID G BESLOW, ESQConfirmation Hearing ScheduledConverted to 7 / 11Debtor has made 0 of 4 required payments   Arrears: $0  

Adj. to j 7/1/20: CONVERT OR DISMISS: atty looking to convert to 7. Debtor lost job.

AS OF 6/24/20 (SF)

1. 341 NOT HELD - MISSING DOCUMENTS
2. NO PAYMENTS. 0/3 Arrears: $3000
3. 341 docs in & adj request for 341 uploaded today. (denied)
Matter ResolvedRequest
Adjourment
1517/1/2020 10:00 am20-15295 / CMGJAMES J CERBONE, ESQConfirmation Hearing ScheduledContinued
8/5/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

6/30/20: need certification from debtor regarding the 2 questions below and what expenses were paid etc.

--Where did funds of $150,587.73 come from to purchase 53 Glenwood Road?
--What happened to the proceeds of $70,615.96 ($45,615.96 $25,000 deposit) received from sale of 6 Brynne's Court?


STILL NEED STATEMENT FOR BCG ACCOUNT FOR MARCH AND APRIL 2020.
>>mk:Amended Sch A,B & C filed 6/29/30. Takes (d)(5) for bank acct s & sch B changes amts
of Cash value of life insurance per proof provided to $9,898 in Hancock Flex Value &
$3,799 in St Farm.=13,697. BUT fails to include that on Amended C to exempt the allowed amt of $13,400
under 522 (d)(8).



AS OF 6/23/2020 (at):

1. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 8/30/2020 (RECEIVED)
- Need statements for both whole life insurance policies. (RECEIVED BOTH)
- Need a statement for the BCG account. (NOT RECEIVED)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
There is $9,027 in non exempt equity in her bank/stock accounts. (Pending review of statement for BCG account)
There is $5,300 in non exempt equity in the life insurance policies.
-Need to file Pre-Confirmation Certification. (FILED)
-Attorney fees in the plan and disclosure statement do not agree. Plan lists $3,610 is to be paid as an administrative claim and the disclosure lists $3,610 will not be paid through the plan. One of these must be amended. (DISCLOSURE AMENDED)
-Need a copy of the CMA and mortgage statement on the 59 Glenwood Road property owned by the husband and purchased in February 2019
-Need a copy of the HUD closing statement for the 6 Brynnes Court property sold in July of 2019 (RECEIVED - NON FILING SPOUSE RECEIVED $140,237)

Plan proposes: $178 x 60, not less than $6,000 to guc's
Payments: 2/2
Matter ResolvedRequest
Adjourment
1527/1/2020 10:00 am20-15365 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $190.00  
AS OF 6/25/2020 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING.

1. 341 is scheduled for 7/9/2020
2. Payments: 2/2
Matter ResolvedRequest
Adjourment
1537/1/2020 10:00 am20-15746 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $784.00  
AS OF 6/25/20 (SF)

1. IRS filed estimated priority and unsecured claim 5-1 - Missing 2014 thru 2019 returns (NEED AMENDED CLAIM)

2. State of NJ filed estimated priority and unsecured claim 11-1 - Missing 2014 thru 2019 returns (NEED AMENDED CLAIM)

3. IRS filed secured claim 5-1 for $28,388.96 which is not addressed in plan

4. The State of NJ filed secured claim 11-1 for $2019.49 which is not addressed in the plan.

5. Trustee objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of $109.26.
- The debtor has failed to supply the Trustee with the following document(s):
Need a statement for the co-debtor's retirement plan loan and updated schedules to include $800 a month in unemployment
- The debtor's unemployment needs to be added as income. Also need proof of unemployment income.
- Need to file Pre-Confirmation Certification.
- Amend petition to correct the co-debtors social security number and notify credit bureaus. (STILL NEED)

Plan proposes $392 x 56 0%
Payments: 1/2 Arrears: $392

RESOLVED ISSUES:
- A copy of the last filed tax return - 2019 return received.
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Need service on One Main Financial for cram den of 2011 Hyundai. (RECEIVED)
Matter ResolvedRequest
Adjourment
1547/1/2020 10:00 am20-15802 / CMGKevin Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $250.00  
As of 6/19/20(mk):atty ok to terms


***CAN REC CONFIRM AT 250 X 36, BEGIN 5/1/20; BASE***


>no obj . filed by Chase & terms above include arrears of 169.06<

1. Chase in Plan as unaffected- POC arrears $169.06- OK TO PAY?

2. Trustee objection:
-need 2019 tax return by 8/15/20.

Plan:250 x 36 base
payments:2/2
last claim:9-1,bar date:7/2/20
Matter ResolvedRequest
Adjourment
1557/1/2020 10:00 am20-15847 / CMGFRANCIS P CULLARI, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $803.00  
AS OF 6/24/2020 (at):

RECOMMEND: $1,606 PAID TO DATE, $811 x 58 BEGINNING 7/1/2020, 100% TO GUC'S
Preserve non exempt equity of $63,718 in residence.
Student loans will be paid outside of the plan.
Need Pre-Confirmation Certification within 10 days of confirmation.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - : Need tax declaration for 2019. (DEBTOR WILL NOT FILE 2019 - NO INCOME)
- A copy of the homeowner's insurance renewal declaration - : Need insurance for the trailer (residence). (RECEIVED)
- Amendments to Schedules : Amend J to remove car payment (lease is over).
- The Schedules fail to account for the debtor(s) tax refund in the amount of $235.00 when determining disposable income.
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $69,948 in non exempt equity in the trailer (100% Plan).
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need HUD-1 from sale of parents house in 9/2017 (100% Plan). (RECEIVED - DEBTOR RECEIVED $527,857 FROM SALE)

Plan proposes: $803 x 60, 100% to guc's
Payments: 2/2


Matter ResolvedRequest
Adjourment
1567/1/2020 10:00 am20-15859 / CMGJOHN ZIMNIS, ESQConfirmation Hearing ScheduledContinued
8/19/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

As of 6/23/20 (DS): Debtor attorney requested adjournment, needs time to resolve Trustee obj.
Matter ResolvedRequest
Adjourment
1577/1/2020 10:00 am20-15878 / CMGYAKOV RUDIKHConfirmation Hearing ScheduledContinued
8/5/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 6/24/2020

1) Wells Fargo Bank (Shapiro & DeNardo) objection to confirmation - RESOLVED, CONSENT ORDER
2) Trustee objection to confirmation - need to resolve
-need a copy of 2019 tax return by 8/15/2020
-need a statement for the Mass Mutual whole life insurance policy FACE AMOUNT, WHAT IS CASH VALUE?
-need a statement for the debtor's pension loan
-need a statement for the co debtor's (3) 401k loans PROVIDED, ALL PAID WITHIN PLAN, TIERS MAY BE NEEDED
-the debtor is not paying all disposable income into the plan - verified income leaves monthly disposable income of $500.71
-review of Form 122c, Line 23 (optional phone) requires documentation. Per the Form 122c,-2, Line 45, monthly disposable income is $595 which would require a minimum $35,700 dividend to general unsecured creditors
-need to file Pre Confirmation Certification with Court
-need to resolve the estimated claim filed by the IRS
3) Not current with Trustee plan payments, arrears $220 - PROVIDED PROOF OF PAYMENT MADE 6/26/2020

proposed plan $220x60 base plan
paid in $220
arrears $220
last claim 23
Matter ResolvedRequest
Adjourment
1587/1/2020 10:00 am20-15898 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
8/5/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

mk: 6/29/20: Updated Home insurance provided. MP (#18) filed. MP surrenders Ford Focus. (MP MUST BE SUBMITTED WITH NOTICE)

AS OF 6/25/20 (SF)

1. Objection filed by Mortgage Specialized Loan Servicing (Stuart West) - failure to pay arrears of $31,056.51 and speculative loan mod and loan mod date is too long

2. Motion for loss mitigation scheduled for 7/1/20 at 9

3. Trustee objection
The debtor has failed to supply the Trustee with the following document(s):
A copy of the homeowner's insurance renewal declaration - , if not confirmed by 7/1/20, insurance expires 6/30/20.
A Modified Plan that surrenders 2013 Ford Focus.
Must file Pre-confirmation certificate.

Plan proposes $721 x 60 Base, Loan Mod by 1/1/21
Payments: 2/2
Matter ResolvedRequest
Adjourment
1597/1/2020 10:00 am20-16361 / CMGCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  

As of 6/30/20(mk):Updated atty ok to terms


***CAN REC CONFIRM AT $637.91 x 2 ,Begin 6/1/20; Then $638 x 58 ,Begin 8/1/20 ;Base: Trustee is authorized to pay secured claim #8 of VW Credit in full in the amount of $27,630.54***


1. Plan has pay VW Credit in full at $33,095.38. The POC is for $27,630.54. If you want claim piad with Interest, TR NEEDS AN ORDER TO PAY CLAIM INTEREST.(per atty -pay full poc amt of $27,630.54)

2. Trustee objection:
-need statement for cash surrender value for Whole Life insurance with Universal Life(amended C filed & docs uploaded)
-debtor has taken an improper use of exemption. Specifically: exemption
for the Universal whole life policy is incorrect. Whole life insurance is limited to the
amount of $13,400 in 522(d)(8). There is non exempt equity in that policy once we receive
the statement as to cash surrender value and an amended schedule C needs to be filed
filed
-must file pre conf cert.(Filed)


Plan:637.91 X 60; BASE
payments:2/1
last claim:8-1, bar date:7/17/20
Matter ResolvedRequest
Adjourment
1607/1/2020 10:00 am20-16393 / CMGMARCIA Y. PHILLIPSConfirmation Hearing ScheduledContinued
9/16/2020 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS of 6/29/20: atty has personal issues & needs adj , waiting for mtg co to consent to adj then will upload request.


1. No 341 docs submitted at all.
2. Objection by Quicken(Phelan).
Matter ResolvedRequest
Adjourment
1617/1/2020 10:00 am20-16483 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
8/5/2020 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $980.00  
MP filed -6/29/20

AS OF 6/22/2020 (at):

1. Objection filed by Nationstar Mortgage (RAS Citron) - failure to cure arrears of $124,970.56. (UNRESOLVED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - the Branson timeshare showing 2019 purchase price of $30,000 (NOT RECEIVED)
- A copy of the deed - for the timeshare (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$500/month for cable/internet/phone
$757/month for food for a house of two
$186 monthly for a timeshare
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Verified income leaves monthly disposable income of $1,154.26.
- Reviewed the 22C, monthly gross income is $9,360. Line 34 (mortgage arrears) is incorrect (debtor is not paying full arrears) and Line 17 (involuntary deductions) should be $0. Should use I and J instead of the 22C.
- Need a copy of the divorce settlement agreement. (NOT RECEIVED)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is equity in the debtor's Branson timeshare.
The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on Wells Fargo Dealer Services. (CERT OF SERVICE NOT FILED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l).
- Need to file Pre-Confirmation Certification. (NOT FILED)

Plan proposes: $980 x 60, base, loan mod within 6 months of confirmation
Payments: 1/1
Matter ResolvedRequest
Adjourment
1627/1/2020 10:00 am20-16539 / CMGKevin Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  

As of 6/24/20 (DS): Confirm at $550 x 18 begin 6/1/20, $750 x 42 begin 12/1/21 100% with a minimum of $27,735.81 to gucs due to non-exempt equity

1. Trustee obj to the following:
- Debtor has insufficient income, income verifies $-241.09.
- Need copy of homeowner insurance. Debtor provided cert that she cannot get homeowner insurance for Jamaica property.
- There is non-exempt equity on Jamaica property $21,737.81 and bank accounts $5,998.

Prop Plan $550 x 18, $750 x 42 100%
Matter ResolvedRequest
Adjourment
1637/1/2020 12:00 pm15-20388 / CMGJustin M. Gillman, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment
1647/1/2020 12:00 pm17-19217 / CMGCarrie J. Boyle, Esq.Motion CompensationGrantedTotal Paid In: $41,156.00
Matter ResolvedRequest
Adjourment
1657/1/2020 12:00 pm19-10304 / CMGWilliam H. Oliver, Jr., Esq.Motion CompensationContinued
7/9/2020 2:00 pm
Total Paid In: $6,600.00
7/9/20 at 2:00 Conf call

THIS IS GOING TO BE ADJ. PROB.TO A NON CH 13 DATE.


6/22/20:TR Filed Cross Motion To Disgorge.
Matter ResolvedRequest
Adjourment
1667/1/2020 12:00 pm19-13647 / CMGWilliam H. Oliver, Jr., Esq.Motion CompensationGrantedTotal Paid In: $5,400.00
Matter ResolvedRequest
Adjourment
1677/1/2020 12:00 pm19-17374 / CMGCAMILLE J KASSARMotion CompensationGrantedTotal Paid In: $3,484.00
Matter ResolvedRequest
Adjourment
1687/1/2020 2:00 pm20-13185 / CMGJOSEPH CASELLO ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $1,000.00  
Per below we can confirm at $1000 x 36 beg 3/1/20 sale of 8th Ave property by 12/31/20-100%(minimum of $412,000 per equity_OTBS with Horn in 10 days-pre conf cert in 10 days

-Santander filed $1057 POC. We will pay pending the sale.
edc

6/29/20: The Suppl obj, By J. Horn resolved by CO submitted to chambers today. terms= J. Horn to receive copy of listing agmt when signed by Debtor .J Horn shall cooperate with the marketing of the RE. Copies of all offers rec'd by broker will be sent to both debtor & J.Horn .

6//24/20;Order entered (#23). But see also suppl. obj.(#25)to conf filed by J.Horn. (Resolved - See above)

6/22 workup for the 7/1 calendar EDC

-need to resolved order to conf-----(FYI: mk requested OTBS on this Horn objection. Order was submitted by J. Casello on 6/18/20. Creditor atty for Horn( B.Hannon) has
objected to some language regarding time frame on rejection damages & est. claim etc. Will update if /when we get agreed upon Order
and the terms.)


Hearing on Horn Objection (#2)to conf.:6/17/20:CMG: it is an executory K and can be rejected. may be issue of rejection damages. plan is 100%sale of RE & list by 8/1/20. How is Horn's claim pending sale to be treated??? debtor atty says Horn has ownership claim not a secured claim

5/6/20 : Need Brief by creditor atty ( B. Hannon esq.) in reply to JMC Response needed. by 5/ 20/20 Reply by JMC 2 weeks later by June 3 and hearing 6/17 at 2:00.

Ct: Hannon client has a claim under settlement agmt. Issue is the settlement agmt. an executory K?

5/1/20(mk): Per atty - Will Need Judge For this case.

AS OF 6/11/20 (at):

1. Objection filed by Santander Bank (Stern Lavinthal) - failure to cure arrears of $1,057.92 and adequate protection payments should be $871.94. OTBS OK TO PAY CLAIM AD PRO OS PLAN

2. Objection filed by Joseph Horn (Norgaard) - Debtor failed to pay secured creditor $270,000 within 90 days of the stipulation of settlement which was executed on 3/25/19. DEBTOR ATTY LETTER BRIEF (#
Matter ResolvedRequest
Adjourment
07/1/2020 3:00 pm20-10667 / CMGEric ClaymanAP Summons IssuedContinued
7/14/2020 2:00 pm

AP 20-1239 Bunn vs. City of Trenton PRETRIAL
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes