Judge Christine M. Gravelle
Hearing Date: 7/3/2024
Hearing Count: 0
Last Updated: 07-12-2024 06:51 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
17/3/2024 9:00 am17-34307 / CMGKirsten B. Ennis, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
7/17/2024 9:00 am

7/2/24(mk) : email from atty says:, my client is not on board with the amounts to reinstate the case and the payoff. Apparently, the HOA told her that she owes an additional 10K and I'm not clear whether it concerns pre or post-petition arrears.

6/27/(mk) requested atty submit a revised order providing Pay of of case - Atty reply=will do

6/25/24(mk) debtor to pay plan balance per payoff sent to atty

case was a Cares Act case confirmed for 83 mos and dismissed in Mo 77 and when July hits we will be on mo 78.

NEEDS TR REVIEW:
MK: I think it Can only be re opened if she can pay of the base balance 6058.39

6/18/24: AR sent atty an email
There is a plan balance of 6058.39 or 2919 to cure trustee default which can be made by cash or return of voided debtor refunds
In addition, since this case has a bad payment history I will require TFS ewage and verification of payment of any outstanding post-petition condo fees

Matter ResolvedRequest
Adjourment
27/3/2024 9:00 am18-29682 / CMGLaurence R. Sheller, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Revised Order SubmittedTotal Paid In: $33,244.00
dismissed for failure to pay.

Tr Objection:
case has 16 mos left 961 x 16 begin 7/1/24- NEEDS REVISED ORDER

REVISED ORDER SUBMITTED
Matter ResolvedRequest
Adjourment
37/3/2024 9:00 am18-29892 / CMGDavid G. Beslow, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $62,448.00
7/1 amt: PPSD TR ORDER - $ 62,448 PTD (69); $ 995 X 15 BEG 7/1/24 (EMAIL TO ATTY)<<>>atty ok to terms(mk)

mk: Per KB $ will post today 7/1- but case will need recap to finish timely and now we are in July
> need to know if there has been income/job change since feb 2024- email to atty

6/21/24(mk: atty sending cashier ck for the 4660- NEEDS TO POST

Debtor obj, will pay<> ARREARS 4,660 as of 6/20 and ;last pay was 2/1/24

debtor says will pay full arrears 4,660 by end of June
Matter ResolvedRequest
Adjourment
47/3/2024 9:00 am19-17756 / CMGJ. Todd MurphyMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
motion filed

Debtor obj<>FAILED TO FILE RETENTION FOR SPECIAL COUNSEL AND MTN TO APPROVE SETTLEMENT, NUNC PRO TUNC
Matter ResolvedRequest
Adjourment
57/3/2024 9:00 am19-17756 / CMGJ. Todd MurphyMotion Motion (Generic) - Only use if no other event is applicableRevised Order Submitted
revised order submitted

debtors had paid the case balance of the case at 100% NEEDS A REVISED ORDER THAT ADDS A SENTENCE THAT SAYS" "debtors have paid the remaining balance of the plan at 100%- mk sent email to atty

Tr obj<>TN TO APPV SETTLEMENT NUNC PRO TUNC

NEEDS TO pay the rest of guc amount approx $1,059 as had she disclosed this timely - case would be paid at 100%
Matter ResolvedRequest
Adjourment
67/3/2024 9:00 am19-17960 / CMGJeffrey E. Jenkins, Esq.Motion Reopen Ch. 13 Case (fee)Granted
atty w/d the withdrawal of Motion to reopen so this should be granted

NEED TO CHANGE THIS from W/D TO GRANTED- tell Mike Brown after atty w/d the withdrawl..

this needs to go back on docket and be Granted

MTN TO REOPEN

ATTY filed this motion and another motion to vacate dismissal at docket #185 this one (#183)should be w/d

debtor says has paid atty fees outside- but there is still a small plan balance of 978 on the confirmed base -


Matter ResolvedRequest
Adjourment
77/3/2024 9:00 am19-17960 / CMGJeffrey E. Jenkins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order to be Submitted
mk: jenkins wants explanation of plan balance

base balance is 978- after atty fees were satisfied outside

MTN TO VACATE DISMISSAL

>> needs revised order stating debtor will pay the plan balance of at bottom of page 2 of std order vacating dismissal

Plan has expired

mk:
debtor says has paid atty fees outside but there is still a small plan balance of 978 on the confirmed base - Atty fees have been satisfied

Matter ResolvedRequest
Adjourment
87/3/2024 9:00 am19-24391 / CMGCandyce I. Smith-Sklar, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceGrantedTotal Paid In: $23,595.00
>>OST>>

MTN TO APPROVE REFI

MK: plan was confirmed 4/7/20 and debtor did not own property at that time Pot base

PLAN is mo 59 as of June Base balance $872

Matter ResolvedRequest
Adjourment
97/3/2024 9:00 am19-25044 / CMGMelinda D. Middlebrooks, Esq.Trustee Certification of DefaultContinued
7/17/2024 9:00 am
Total Paid In: $144,462.00
MP on 7/17/24

Debtor obj, made pymt<> ARREARS 9,244 as of 5/28

THERE ARE 2 MOS LEFT IN PLAN AND A PLAN BALANCE OF $27,889.99

atty needs to talk to client

9298 x 3 begin 6/1/24
Matter ResolvedRequest
Adjourment
107/3/2024 9:00 am19-29326 / CMGJoel R. Spivack, Esq.Creditor Certification of DefaultContinued
7/17/2024 9:00 am

Debtor obj, made pymts<>PENNYMAC/Thornhill (Fein Such)

adj to debtor be current
Matter ResolvedRequest
Adjourment
117/3/2024 9:00 am19-32024 / CMGJoan Sirkis Warren, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $18,950.00
amt: MP 7/3<<>> Honor Roll

Debtor obj, filing MP<> ARREARS
Matter ResolvedRequest
Adjourment
127/3/2024 9:00 am19-33645 / CMGStacey L. Mullen, Esq.Creditor Certification of DefaultOrder to be Submitted
Debtor obj, requests cure<> PHH/S. Olden (RAS)

debtor says can cure over 2-4 mos - trying to w/d funds to cure- not sure if possible- mk 6/29 sent email for update
Matter ResolvedRequest
Adjourment
137/3/2024 9:00 am20-12974 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $17,490.00
Debtor obj<>FAILED TO COMPLY WITH TRUSTEE'S AUDIT REQUEST FOR UPDATED PROOF OF INCOME AND COPY OF DEBTOR'S 2022 FED TAX RETURN


mk: note : debtor filed motion in Oct 2021 to complete case early at 0% TR objected and motion was w/d case continued now in mo 52 and review pending of on updated income and 2023 tax return

6/17/24: updated income was rec'd and reviewed - DISPOS INCOME $4,125

3/29/24 & 4/15 p/s NET $7299.97/2 = $3649.99 X 2.16= 7883.97- exp of 3,758=4,125

2023 tx return - no refund

8 mos left- guc total 21,334.29/8=$2667- CASE SHOULD BE PAID OFF AT 100%
Matter ResolvedRequest
Adjourment
147/3/2024 9:00 am20-14117 / CMGRobert Cameron Legg, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $48,707.00
Debtor obj, debtor will pay<>JP MORGAN/Gimbel Place (Fein Such)
Matter ResolvedRequest
Adjourment
157/3/2024 9:00 am20-16908 / CMGWarren Brumel, Esq.Motion SellRevised Order SubmittedTotal Paid In: $19,125.00
NewRez limited obj (RAS)<> MTN TO SELL BEERS ST PPTY<<>>

MK: parties have separated and live apart now need to sell the residence. appreciation to debtor. Plan has run 48 mos as of May.
realtor appted.
Need revised Order- REVISED ORDER SUBMITTED

Tr Limited Obj: Needs revised Order that add to parag #6 pursuant to a pay off provided by The Trustee.
NEEDS SEP. MOTION TO CLOSE CASE EARLY.

Matter ResolvedRequest
Adjourment
167/3/2024 9:00 am21-12355 / CMGRoger Chavez, Esq.Motion Motion (Generic) - Only use if no other event is applicableWithdrawnTotal Paid In: $13,650.00
6/20 amt: REFUND RECEIVED IN OFFICE; <<>>

MTN TO DISGORGE FUNDS/GREENBAUM ROWE SMITH & DAVIS
Matter ResolvedRequest
Adjourment
177/3/2024 9:00 am21-18995 / CMGRussell L. Low, Esq.Motion SellRevised Order SubmittedTotal Paid In: $26,675.00
7/1/24: revised order submitted-OK

6/28/24(mk):Revised Order to be Submitted- per Tr request and name of creditor on septic tank "A & A Construction and Septic LLC" to match the invoice


mk: contacted Low's office and let him know we need a revised order to pay the 25,000 for septic system at closing- TR obj for revised order

6/17/24(mk) PER TR NEED 54,000 TO PAY OFF AT 100% AND THAT INCLUDES PAYING OF THE 25,00 FOR SEPTIC TANK CONTRACTOR - TO BE PAID AT CLOSING- DEBTOR ATTTY TO SUBMIT A REVISED ORDER proving for 25,000 to be paid at closing.

>>this issue in 6/4 note below needs to be addressed by debtor's atty


6/4/24(mk): letter from Atty rep A & A Construction and Septic- they were contacted by debtor as part of closing process to install a septic system at the cost of 25,000 which was done and awaits payment. Debtor did not disclose he was in Bkcy when deal was made- work was done want assurance he will be paid

Tr limited obj; Midfirst Bank limited obj (Gross Polowy)<> MTN TO SELL VINE ST PPTY<>

sale K 370,000
now equity is 70,992
Order says proceeds will be used to pay off plan at 100%
appl to retain realtor filed
SP counsel atty for closing Juliana Diaz Esq. 2500 - was appointed as sp counsel. counsel
--------
TR Objection:
R. Low atty fee of 2500 - Needs supp fee application

Notice of Private Sale(#72) only lists R Low for 2500- not the realtor or Sp counsel for closing J. Diaz for 2500
Matter ResolvedRequest
Adjourment
187/3/2024 9:00 am21-18995 / CMGRussell L. Low, Esq.Notice of Proposed SaleGrantedTotal Paid In: $26,675.00
order for sale will say fees upon ct approval so TR obj can be w/d


Tr obj<> NTC OF PPSD SALE

Atty filed #77 - says same thing - only R. Low listed
needs realtor and SP counsel for a closing

#79 - ALSO THE SAME THING

R. Low needs to file application for suppl fees
Matter ResolvedRequest
Adjourment
197/3/2024 9:00 am22-10331 / CMGJohn Zimnis, Esq.Creditor Certification of DefaultContinued
7/17/2024 9:00 am
Total Paid In: $6,766.00
7/2/24: creditor may w/d the cert,.
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, pymt will be made<> WELLS FARGO/Lakedale Dr (Powers)

Amt due 5,467.92

Debtor objects to conduit: the debtors do not pay the mortgage payments; instead it is paid by the co-owner son and his family. So we cannot agree to conduit for this case.

TR:4 mortg defaults , 5000 in debtor atty fees so far , no return to unsecureds

can this loan bw cured? if creditor won't agree to any cure then has to be granted

Matter ResolvedRequest
Adjourment
207/3/2024 9:00 am22-12735 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/21/2024 9:00 am
Total Paid In: $9,200.00
MK: if conf is adj - this can be adj to that date

mk: conf has feasiblilry issue due to 5,100 conduit payment to begin 7/1- conf should be add to August date to see if July and August payments are made and we need Amended I &J and updated POI

(6/17/24 AMT: CONDUIT ORDER ON CREDITOR DEF CERT TO CHAMBERS/7 DAY<<>>)

6/12/24(mk):CONDUIT ORDER draft circulated to resolve creditor default. Terms= conduit payment 1,448.57 p/m

- Post pet mtg arrears thru May 2023 were prev added to plan By order #50 $14,023.25 713 creditor atty fess
- subsequent post pet mtg arrears July 2023 -and including june 2024 total 17,322.56 added to plan

2 months GAP payments for July and Aug Total 2,897.14 (1,448.57 x 2) added to plan .

Plan payments adjusted to 8200 PTD then 5,100 x 34 begin 7/1/24 debtor to register for TFS or ewage in time to make the 8/1/24 payment


MP filed- on 7/3/24

Debtor obj, filed MP<>FAILURE TO COMPLETE LM BY 12/1/23; EXTENDED LOSS MIT TERMINATED 4/26/24
Matter ResolvedRequest
Adjourment
217/3/2024 9:00 am22-14814 / CMGMark K. Smith, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $37,607.00
CAPITAL ONE AUTO/2013 Hyundai (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
227/3/2024 9:00 am22-14862 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Continued
8/7/2024 9:00 am
Total Paid In: $14,152.00
Debtor obj<>OCEAN INC/Landlord (DAVID SEMANCHIK)

DEBTOR ATTY WAITNG FOR REPLY FORM CREDIOTR
Matter ResolvedRequest
Adjourment
237/3/2024 9:00 am22-15349 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am
Total Paid In: $11,500.00
8/7- C OR D for sure- Peremptory

MP 7/3>>REC DISMISSAL>>
>>WHEN IS WORKERS COMP COMING IN?

- reduce payments and include pending workers comp settlement as other source of payments-
ARREARS STILL NEED TO BE ADDRESSED

Debtor obj, filed MP<>ARREARS $8,764 as of 3/12/24

mk: payment increased from $500 to $1,533 begin 8/1/23.
Debtor has never made a payment at that higher amt.
Matter ResolvedRequest
Adjourment
247/3/2024 9:00 am22-15479 / CMGEugene D. RothMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed


ARREARS 11,100 as of 6/20 last pay 4/2/24
Matter ResolvedRequest
Adjourment
257/3/2024 9:00 am22-15547 / CMGJeffrey E. Jenkins, Esq.Motion Reinstate StayGrantedTotal Paid In: $7,340.00
MTN TO IMPOSE STAY/ROCKET MTG
Matter ResolvedRequest
Adjourment
267/3/2024 9:00 am22-15547 / CMGJeffrey E. Jenkins, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $7,340.00
MTN TO APPV NJ ERMA ASSISTANCE NUNC PRO TUNC

debtor rec'd total ERMA award of $6,936.49 and paid post pet arrears w/it- did not know needed approval
Matter ResolvedRequest
Adjourment
277/3/2024 9:00 am22-15547 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $7,340.00
Debtor obj, filing mtn to reinstate stay<>SV/ROCKET MTG

debtor filed Motion to reinstate stay and Motion for ERMA funds both on 7/3
Matter ResolvedRequest
Adjourment
287/3/2024 9:00 am22-16232 / CMGYakov Rudikh, Esq.Motion SellGrantedTotal Paid In: $34,550.00
>>OST<<

MOTION TO SELL..7 ELAINE RD

Mk: realtors and closing atty retention applications filed
ORDER has all ne proceeds to Tr-

Plan was confirmed at 100% - payoff letter issued for 100% 6/2024- OK
Matter ResolvedRequest
Adjourment
297/3/2024 9:00 am22-17404 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am
Total Paid In: $12,400.00
6/25/24(mk): for june made 3 payments of 225 each for total 900 - FOR RECAP AND FEASIBILITY WAS TO PAY 1,480


6/5/24 mk: adj 30 days and see if $ comes in and if a recap is possible



Debtor obj, requests recap with TFS<>ARREARS 6,382
Terrible pay history . Payment increased to 1,329 10/23 and debtor has NEVER made anywhere close to that amt for payment since then
Matter ResolvedRequest
Adjourment
307/3/2024 9:00 am22-17459 / CMGRussell L. Low, Esq.Trustee Certification of DefaultDismissed
this was adj to 7/3 from 6/5 - debtor was to file a MP - has not done that

Debtor obj, (**WITHDRAWN*)<> ARREARS 1,905 as of 7/1. Last pay 2/15/24
Matter ResolvedRequest
Adjourment
317/3/2024 9:00 am22-17699 / CMGMoshe Rothenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $34,773.00
debtor made payment posted 7/3 - terms adjusted

34,773 PTD(22) then $2,107 x 38 Begin 8/1/24



Atty accepts terms
AMT: RECAP: $32,826 PTD (21); $ 2,103 X 39 BEG 7/1/24 (EMAIL TO ATTY)

Debtor obj, can make pytm & requests recap<>ARREARS 5,526 as of 6/25/24
Matter ResolvedRequest
Adjourment
327/3/2024 9:00 am22-18083 / CMGLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $26,006.00
MP filed to surrender- on 7/3/24<>


Debtor obj<>ARREARS; FAILED TO FILE MP TO SURR 2015 CHEVY, CRED OBTAINED SV 4/3/24
Matter ResolvedRequest
Adjourment
07/3/2024 9:00 am22-18215 / CMGWarren Brumel, Esq.Motion SellMootTotal Paid In: $3,800.00
amt: CORRECTION NOTICE DOCKETED/WILL NOT BE HEARD
Matter ResolvedRequest
Adjourment
337/3/2024 9:00 am22-18215 / CMGWarren Brumel, Esq.Motion SellRevised Order SubmittedTotal Paid In: $3,800.00
6/28/24: REVISED ORDER that resolves TR and Mtg obj
M&T Bank obj (KML)<>MTN TO SELL PARK AV


6/19/24: Settled- issue of apprec. for 50,500 from proceeds for plan payoff and early close

Parties have separated and live apart- now have to sell home. co debtor is now working - was unemployed at time of conf.
Plan confirmed 200 x 48 base begin 11/1/22 - Base amt. 9,600. Plus update income from wife in 6mos. co debtor is now working but parties have separated- POI was 1556 p/m- income together =dispo at $1400

equity now 74,000 and debtors claim appreciation

Case is only on Month 19 as of Jan.-- Can't close early and at that base amt. since still a JT case - now she has income when she did not before

Will need a MP and update I & J and POI
Matter ResolvedRequest
Adjourment
347/3/2024 9:00 am22-18531 / CMGJonathan Goldsmith Cohen, Esq.Motion Relief from Stay (Fee)Continued
7/17/2024 9:00 am
Total Paid In: $27,930.00
NATIONASTAR/Mayaquez Lane (Brock & Scott)

debtro atty says:
Opposition was docketed. Proposed that delinquent mortgage payments for June, July be amortized into Chapter 13 Plan and that conduit payments begin as of August 1st. Proposed same to attorney for mortgage lender. Waiting to hear back from him so that this can be marked OTBS.
________________________________________
Matter ResolvedRequest
Adjourment
357/3/2024 9:00 am23-10255 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am
Total Paid In: $23,810.00
ARREARS 8,400 last pay 3/27/24

Client's husband lost his job, causing the delay in payments. He is now back to work.
Client paid $3301.50 yesterday
Can pay $1500 by 7/12
Can pay additional $1500 by 7/19
Can pay balance including july of $2100 by 7/30.
Can we adjourn this until August to confirm payment proposal? I have receipt of the $3301.50 payment.
Matter ResolvedRequest
Adjourment
367/3/2024 9:00 am23-10738 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am
Total Paid In: $13,500.00
6/24/24(mk) MP filed and on for 8/7


FAILED TO ADDRESS PER PLAN CLAIMS; ARREARS<<>>

needs to make the 500 good faith payment.

MK: email from atty: debtor has had a temp reduction in income related to his workers Comp. needs a few months to recover a retroactive amt and receive income going forward. AS of now - he can't make the higher payment. he will get a lump sum in future- prob 6 mos so he can pay a lump sum to "Catch Up"

MK; suggested MP for lower payments for short period and pay a lump sum to catch up them go to higher amt.


PI suit is still pending and not likely to resolve any time soon. Plan provides for NE proceeds of PI claim to go to your office/GUC.

NEEDS TO ADDRESS THE 3 PER PLAN CLAIMS IN THE MP THAT ARE LISTED IN THE TR MOTION

Matter ResolvedRequest
Adjourment
377/3/2024 9:00 am23-10911 / CMGJoan Sirkis Warren, Esq.Motion Relief from Co-Debtor StayOrder Previously SubmittedTotal Paid In: $41,424.00
6/9/24(mk: order submitted . Terms = Pay $1199.36 lump sum to creditor directly.

5/10/24(mk): debtor atty said OTBS - creditor atty uploaded adj request as says ongoing settlements discussions

5/9/24(mk) per debtor atty email:debtor is only due for the May mortgage payment now. We are going to resolve the motion with an agree order with Debtor becoming current by May 31, 2024, resume regular payments June 1.



Debtor obj, made pymt<>US BANK TRUST /Beachwood Rd (McCALLA RAYMER)

Post pet: 4,226.20 as of 4/16
debtor says PAID up
Matter ResolvedRequest
Adjourment
387/3/2024 9:00 am23-11106 / CMGMarc C. Capone, Esq.Creditor Certification of DefaultContinued
8/7/2024 9:00 am
Total Paid In: $47,328.00
7/2/24: creditor email; - has requested updated pay history - not rec'd yet

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, made pymt<>NATIONSTAR/Nottingham Dr (RAS)

3531.59 post pet arrears
Matter ResolvedRequest
Adjourment
397/3/2024 9:00 am23-11224 / CMGSteven J. Abelson, Esq.Creditor Certification of DefaultGrantedTotal Paid In: $15,313.00
debtor agreed to conduit Creditor said no - only want SV

creditor says No 3rd default


AMT: TR LTR REQUESTING CONDUIT>?

Debtor obj, making pymt<>US BANK/Barnacle Rd (Friedman Vartolo)

post pet arrears 4,457.48

Debtor atty has 3,00 in trust acct- requests time to pay rest
Matter ResolvedRequest
Adjourment
407/3/2024 9:00 am23-11632 / CMGJeffrey E. Jenkins, Esq.Motion Reinstate StayContinued
7/17/2024 9:00 am
Total Paid In: $38,138.00
adj 7/17 for posting and stay contuning to 7/17/- debtor ok to conduit and credit has to check

debtor sent 22,000 to creditor so current thru June and July payment due

6/18/24: what are atty positions on conduit?

interim order extending stay to 7/3

6/5/24:debtor atty says has cashiers ck for 20,000( back payments from disability) and can be current- atty to provide evidence of source of $(Mk: provided statement form NJ dept labor )

Amt owed 21,968.10 and debtor has the balance-ADJ TO 7/3 and have $ paid

AMT: TR LTR REQUESTING CONDUIT<>

CMG- reinstate stay to June 5 and will be heard then - Jenkins to submit Interim Order-Us Bank did not appear so Judge wants to hear from them-



** OST**

MK: per the resolution of the MFR in Oct 20230 TR advised that in event of future default- we would seek conduit payments

AND TR needs to know the source of the cure payments to the Lender-
ANSWER: debtor had open heart surgery and was out of work for 6 months last year. His disability stopped 11/23 and he went back to work 3/8/24. The money for the mortgage company comes from back disability payments. Debtor got 15,000 at the beginning of April 2024, then got some additional back disability payments.


US Bank obj ( Stern & L)<>MTN TO REIMPOSE STAY as to creditor US Bank Trust Co

Mk: SV by Order 2/27/24 - now debtor says caught up w/ mtg payments
Matter ResolvedRequest
Adjourment
417/3/2024 9:00 am23-11732 / CMGRobert C. Nisenson, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $5,893.00
PAID now current

Debtor obj, will pay<> ARREARS 1,326 as of 5/30
Last pay was 1/23/24

Debtor mailed 2 money orders and when have proof will adj
Matter ResolvedRequest
Adjourment
427/3/2024 9:00 am23-11815 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am
Total Paid In: $4,900.00
8/7 - NFA - premptory

6/24/24(mk): ACCORDING TO ZILLOW- THIS PROP IS NOT EVEN LISTED FOR SALE...

MP filed on 7/3/24- extends time to sell property to 12/1/24

Debtor obj, filed MP< REC DISMISS>FAILED TO SELL TERRACE AVE PPTY BY 4/21/24
Matter ResolvedRequest
Adjourment
437/3/2024 9:00 am23-12766 / CMGRobert H. Johnson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/21/2024 9:00 am
Total Paid In: $3,452.00
AMT: MP 7/3> MP in 14 days

Debtor obj, filed MP 5/30<>FAILED TO REFI BY 5/3/24 Per conf Order 7/7/23(#21)

Matter ResolvedRequest
Adjourment
447/3/2024 9:00 am23-12798 / CMGKirsten B. Ennis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/17/2024 9:00 am
Total Paid In: $3,750.00
AMT: MP 7/3<>

AMT: ALSO NEEDS TO ADDRESS IRS LATE CLM #4-1<<>>

debtor opp'n>>FAILED TO COMPLETE LM BY 12/5/23; EXTENDED LOSS MIT EXPIRED 3/4/24

debtor says filed a MP( On 5/15/24) to sell property as LM was denied
Matter ResolvedRequest
Adjourment
457/3/2024 9:00 am23-12827 / CMGChristopher G. Cassie, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order to be Submitted
MOTION TO VACATE DISMISSAL


mk: case dismissed post conf for failure to make payments- lost job - now has unemployment and will fil MP and amended I & J

>> Needs revised order w/ and MP BY x date
Matter ResolvedRequest
Adjourment
467/3/2024 9:00 am23-12901 / CMGWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/21/2024 9:00 am
Total Paid In: $8,377.00
6/24/24(mk):has LM trial for payments MAY JUNE /JULY then will file Motion to approve for final LM


mk: 3/28/24 Debtor got approval for a LM on 3/22/24- now trial period the LM -


debtor obj>FAILED TO LM BY 12/31/23

Debtor says LM package submitted waiting for lender reply- have PD TR and Mtg payments
Matter ResolvedRequest
Adjourment
487/3/2024 9:00 am23-12966 / CMGCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultMoot - Converted to 7 / 11
6/27(mk) aty says filing a notice of conversion w/in next 2 days

Debtor obj, converting to ch 7<>ARREARS
Matter ResolvedRequest
Adjourment
477/3/2024 9:00 am23-12966 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Co-Debtor StayContinued
7/9/2024 10:00 am

per ct will be on 7/9/24

NOTICE OF CONVERSION TO CH 7 FILED 6/27/24- NEEDS CH 7 HEARING DATE FOR THIS MOITON- MK - EMAILED MIKE BROWN AT CHAMBERS TO GIVE IT A DATE FOR CMG CH 7 CALENDAR


6/27(mk) aty says filing a notice of conversion w/in next 2 days

ALLY CAPITAL (LAVIN CEDRONE)

debtor say converting to Ch 7 - so this will need CH 7 hearing date
Matter ResolvedRequest
Adjourment
497/3/2024 9:00 am23-13119 / CMGJustin M. Gillman, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO APPV SETTLEMENT OF PI CLM

AMENDED C FILED OK

-------RESOLVED-----------------
>> debtor's proceeds are exempt- limited Tr obj NEEDS AN AMENDED SCH C FILED TO CLAIM THE PROCEEDS

: Gross Settlement of $35,000 relating to personal bodily injury of Debtor,
Subject to contingency fee of counsel for Debtor, Rudnick, Addonizio, Pappa & Casazza, P.C., of 1/3
plus costs. Debtor is in process of filing Application for Retention to appoint Rudnick, Addonizio, Pappa
& Casazza, P.C. as special counsel for Debtor (1/3 of gross settlement plus costs) with expected net
settlement to Debtor of $22,789.27.

sp counsel retained
Matter ResolvedRequest
Adjourment
507/3/2024 9:00 am23-13168 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am
Total Paid In: $5,334.00
>>MP>REC DISMISSAL>>

MP filed on 7/3- Mp extends time to sell prop.

Debtor obj, filed MP<>FAILED TO COMPLETE SALE OF CUMBERLAND DRIVE PPTY BY 4/21/24

Matter ResolvedRequest
Adjourment
517/3/2024 9:00 am23-13870 / CMGJohn Michael McDonnell, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/17/2024 9:00 am
Total Paid In: $158,331.00
mk :payments need to post adj to 7/17 for that

Debtor obj<>SV/ATCF II; ARREARS 21,621

opp'n says debtor has made payments to cure all arrears- AS OF 7/1/24 arrears 31,300 and last pay was 6/13

must address SV for mtg and tax lien on real prop
Matter ResolvedRequest
Adjourment
527/3/2024 9:00 am23-13989 / CMGMaryBeth Schroeder, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $10,291.00
SV/CREDIT ACCEPTANCE
Debtor opp'n>

MP(#44) filed 5/28- it surrenders Ford Taurus- Credit Acceptance

This can be w/d MP is on HR
Matter ResolvedRequest
Adjourment
537/3/2024 9:00 am23-14095 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am
Total Paid In: $6,996.00
MK: atty says CO circulated for IRS and atty is out of country in July



FAILED TO ADDRESS IRS LATE CLM #27-1; ARREARS 3,230
debtor always pays lees than full TR payment
Matter ResolvedRequest
Adjourment
547/3/2024 9:00 am23-14191 / CMGKevin C. Fayette, Esq.Motion Relief from Co-Debtor StayContinued
7/17/2024 9:00 am
Total Paid In: $21,146.00
adj to 7/17 for resolution

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, making pymt & requests recap<>US BANK TRUST NAT'L ASSOC/Courtland Lane (ROBERTSON)
Matter ResolvedRequest
Adjourment
557/3/2024 9:00 am23-14450 / CMGStacey L. Mullen, Esq.Motion Relief from Co-Debtor StayContinued
8/7/2024 9:00 am
Total Paid In: $7,587.00
MCLP ASSET COMPANY/Tavernier St (PADGETT LAW)

debtor says:debtor is elderly can pay $880 and pay balance over 6 mos

mk; WORKING ON CO
Matter ResolvedRequest
Adjourment
567/3/2024 9:00 am23-15094 / CMGLee M. Perlman, Esq.Motion Relief from Co-Debtor StayContinued
7/17/2024 9:00 am
Total Paid In: $15,918.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, made pymt<>SANTANDER / Floral Court (BROCK & SCOTT)

debtor says paid all but June payment and that will be paid before end of June.
Matter ResolvedRequest
Adjourment
577/3/2024 9:00 am23-15215 / CMGYakov Rudikh, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $62,223.00
M&T BANK /Princeton Ave (PARKER McCAY)


Resolution Details:
The MFR was just resolved. A status change form will be filed, and a proposed stipulation will be submitted. I just wanted to make sure the record reflects that no opposition has been filed, and that no opposition will be filed. I told the debtor's attorney since is it resolved, no opposition will be needed. The debtor brought the mortgage payments current post-petition.



Matter ResolvedRequest
Adjourment
587/3/2024 9:00 am23-15826 / CMGMarc C. Capone, Esq.Motion Relief from Co-Debtor StayMoot - Dismissed
PHH MTG /Alexandra Way(ROBERTON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
597/3/2024 9:00 am23-15986 / CMGThomas J. Orr, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $13,820.00
order submitted 6/28:imediate /direct cure

Debtor obj, gave atty ck to cure<>DIAMOND CREDIT UNION/Rancocas Rd (McKENNA)


post pet 4572.10
Matter ResolvedRequest
Adjourment
607/3/2024 9:00 am23-16002 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am
Total Paid In: $6,156.00
FAILED TO LM BY 2/14/24, EXTENDED LOSS MOT EXPIRED 5/13/24

filing MP tp extend time for LM
Matter ResolvedRequest
Adjourment
627/3/2024 9:00 am23-16235 / CMGVera Fedoroff, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $8,927.00
AMT: MP 7/3 -**hr**<<>>

conf 5/15 was W/D NEW Plan(#32) on 7/3/24

2/14/24(mk FILED MP #25 on 3/20 TO EXTEND DEADLINE FOR LM to 4/25/24

debtor opp'n>FAILED TO LM BY 1/11/24; FAILED TO FILE ORDER RESOLVING TRUMAN 2021 SC9 TITLE TRUST OBJ TO CONF W/I 30 DAYS OF 9/25/23 CONF ORDER

debtor says all docs submitted to lender
Matter ResolvedRequest
Adjourment
617/3/2024 9:00 am23-16235 / CMGVera Fedoroff, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $8,927.00
Debtor obj, filing MP to sell<>TRUMAN 2021 SC9 TITLE TRUST/Longest Dr (ROMANO)

Post pet 3,637.57

MP to sell on 7/3

OTBS:Resolution Details:
an order resolving the mfr and obj to conf shall be submitted to court

APP payments starting 7/1/24; 30 day clause and sell and PO client by 10/30/24. Reimbursement of standard MFR f/c upon sale. App = $3771.07
Matter ResolvedRequest
Adjourment
637/3/2024 9:00 am23-16382 / CMGWarren S. Jones, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
SV/SLS & CREDIT ACCEPTANCE; ARREARS$ 3976.56 Last pay 4/8/24
Matter ResolvedRequest
Adjourment
647/3/2024 9:00 am23-16589 / CMGBruce C. Truesdale, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/17/2024 9:00 am
Total Paid In: $4,210.00
6/27: adj for $ to post and recap w/ ewage/TFS on 7/17

Debtor obj, made pymt<>FAILED TO ADDRESS NJ PER PLAN CLM; ARREARS 2,680 las t pay 3/7/24
Matter ResolvedRequest
Adjourment
657/3/2024 9:00 am23-16694 / CMGScott D. Sherman, Esq.Creditor Certification of DefaultContinued
8/7/2024 9:00 am
Total Paid In: $1,250.00
6/24/24(mk) creditor atty says NO payments have been made since 2/7/24 and creditor does not oppose conduit

Debtor obj, will pay<> M&T/Ridgeview (McCalla)

Post pet :19,300.77

debtor says will pay 25,734.36 on or before 6/3-


BUT TR WANTS TO KNOW WHERE THE $ IS COMING FROM ? Per atty ANSWER IS: Debtor is an energy consultant and I think I noted at bottom of Schedule I that Debtor's Income fluctuates significantly. He may go some months without receiving anything and that get a large check. The source of the funds is just his consulting income. He has no other source.
Matter ResolvedRequest
Adjourment
667/3/2024 9:00 am23-16694 / CMGScott D. Sherman, Esq.Trustee Certification of DefaultContinued
8/7/2024 9:00 am
Total Paid In: $1,250.00
Debtor obj, will pay<> ARREARS 12,184 as of 6/13 last pay Jan 2024

debtor says will pay 9,138 on or before 6/3- As OF 6/13- NO PAYMENTS MADE

AGAIN - THIS $ AND THE 25,000 PROMISED TO CREDITOR- WHAT IS SOURCE OF FUNDS?
Per atty ANSWER IS: Debtor is an energy consultant and I think I noted at bottom of Schedule I that Debtor's Income fluctuates significantly. He may go some months without receiving anything and that get a large check. The source of the funds is just his consulting income. He has no other source.
Matter ResolvedRequest
Adjourment
677/3/2024 9:00 am23-16814 / CMGGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)Continued
7/17/2024 9:00 am
Total Paid In: $22,698.00
DEUTSCHE BANK/CARRINGTON MTG -Edgar Rd (STERN LAVINTHAL)

Matter ResolvedRequest
Adjourment
687/3/2024 9:00 am23-17103 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $22,400.00
OTBSdebtor pd 5,000 and be current by 7/30- resume payments 8/1/24
debtor atty does not agree to Conduit

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj<>SELECT PORTFOLIO SERVICING /COTTONWOOD CT (ROBERTSON, ANSCHUTZ)

MK: post pet arrears 44,683.30 as of 1/16/24
debtor Opp'n> had large medical issues - now back to work can have 1/2 arrear by hearing date and rest by 6/1/24
Matter ResolvedRequest
Adjourment
697/3/2024 9:00 am23-17104 / CMGRobert C. Nisenson, Esq.Motion Relief from Stay (Fee)Continued
8/7/2024 9:00 am
Total Paid In: $2,000.00
7/2/24: atty needs to review w/ debtor who has been ill - creditor ok w/ an adjournment to 8/7

ANY UPDATE?

mk: per creditor - need updated pay history- adj to 7/3

Debtor obj, made pymts<>SELECT PORTFOLIO - Roberts Rd (ROBERTSON)

arrears 5,216.02 as of 2/23/24

debtor says doing LM thru portal and has made payments

Matter ResolvedRequest
Adjourment
707/3/2024 9:00 am23-17239 / CMGDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayContinued
8/7/2024 9:00 am
Total Paid In: $6,948.00
adj to resolve and atty away

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, can make pymt & requests recap<>SAILFISH SERVICING /Easy St (ALBERTELLI LAW)

debtor says will pay 2051 and pay rest over time or thru plan
Matter ResolvedRequest
Adjourment
717/3/2024 9:00 am23-17525 / CMGAndy Winchell, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawn
APOC 8-2 filed 6/14- -0 liability- that address issues so marking this motion as w/d

EXPUNGE CLM#8 NJ TAXATION (est claim and debtor says all returns filed
Matter ResolvedRequest
Adjourment
727/3/2024 9:00 am23-17619 / CMGJoseph Casello, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $1,980.00
US BANK TRUST NAT'L ASSOC /Topaz Lane(KML)

6/27/(mk) Per debtor atty - no defense
Matter ResolvedRequest
Adjourment
737/3/2024 9:00 am23-17816 / CMGCarrie J. Boyle, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $3,075.00
7/2: OTBS

creditor uploaded adj request to 7/3 to resolve

Debtor obj, made full pymt<>PENNYMAC LOAN/ Niagra LAne (POWERS)

arrears 3,079.46 as of 5/7/24
Matter ResolvedRequest
Adjourment
747/3/2024 9:00 am23-17987 / CMGJohn Zimnis, Esq.Motion Relief from Stay (Fee)Withdrawn
VW CREDIT (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
757/3/2024 9:00 am23-18035 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am
Total Paid In: $2,438.00
filed MP

FAILED TO LM BY 3/31/24; EXTENDED LOSS MIT EXPIRED 4/16/24; FAILED TO FILE ORDER RESOLVING SLS OBJ TO CONF WITHIN 30 DAYS OF 1/3/24
Matter ResolvedRequest
Adjourment
767/3/2024 9:00 am23-18731 / CMGAndrew Thomas Archer, Esq.Creditor Certification of DefaultMoot - Dismissed
Debtor obj, lm pending<> US BANK/Lincoln Ave (Parker McCay)
Matter ResolvedRequest
Adjourment
777/3/2024 9:00 am23-18830 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $4,500.00
AMT: LOSS MIT NOW 9/1/24<<>>

Debtor obj, in trial period<>FAILED TO LM BY 5/1/24

- debtor has filed an Application to Extend Loss Mit- objection deadline is 6/5
Matter ResolvedRequest
Adjourment
07/3/2024 9:00 am23-18832 / CMGMichael Pocchio, Jr., Esq.Motion Reopen Ch. 13 Case (fee)Withdrawn
MOTION TO REOPEN

mk: case was dismissed at conf as debtor did not appear at 341 scheduled for 4/18 and never requested a new date

TR OBJECTION; NEEDS A REVISED ORDER USING THE MANDATORY FORM OF ORDER ON THE CT'S WEBSITE AND ADD IN ON PAGE 2 :341 MUST BE COMPLETED ON OR BEFORE 8/1/24 AND CONFIRMATION DATE IS 8/21/24
Matter ResolvedRequest
Adjourment
787/3/2024 9:00 am23-19439 / CMGPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am
Total Paid In: $1,151.00
debtor needs time to get atty and address issues

ARREARS 2,648 (APRIL PYMTS RETURNED NSF); FAILED TO ADDRESS CAPITAL ONE AUTO PER PLAN CLAIM
Matter ResolvedRequest
Adjourment
797/3/2024 9:00 am23-19532 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Continued
7/17/2024 9:00 am
Total Paid In: $3,880.00
mk: new servicer or loan - need 2 weeks to straighten out


NEED STATUS? creditor request to adj to 7/3 -Loan is being transferred 6/1/- will be a new servicer and needs time to review.

mk: creditor adj request from 5/1 to 6/5 to allow debtor to get current

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, will pay<>AJAX MTG/Fairfiled Ave (PLUESE BECKER)

mk: post pet $5,518.41 as of hearing date
Matter ResolvedRequest
Adjourment
807/3/2024 9:00 am23-19569 / CMGScott J. Goldstein, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $14,325.00
TR circulated draft order

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, will pay<>US BANK NAT'L ASSOC (ROBERTSON)

post pet $5383.22
Matter ResolvedRequest
Adjourment
817/3/2024 9:00 am23-19586 / CMGEugene D. RothMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $370,235.00
7/1/24:Resolution Details:
Partial payment due for 7/1, resume 8/1, 30 day default clause. (No fees)



MK: i originally had this marked OTBS - but then Debtor atty said he had not heard form creditor atty- which was Aleisha Jennings- she has left RAS and Kim Wilson no RAS contact

Debtor obj, cured arrears<>FEDERAL HOME LOAN (ROBERTSON)


AMT email to Atty 5/29:The gov bar was recently completed and payment to unsecured creditors will go out on Monday (June 3rd disbursement). However, Federal Home Loan filed MFR today with a hearing on 7/3 (no payments since filing). There are significant excess funds on hand, which would be refunded to debtor after Trustee case closing. So, if the post petition arrearage is due, and you resolve the motion by paying through the plan, there are sufficient funds on hand and debtor would be refunded remaining funds.



Resolution Details:
Conduit order-- MK sent email on this- plan is complete so can't be conduit order
Matter ResolvedRequest
Adjourment
827/3/2024 9:00 am23-19625 / CMGYakov Rudikh, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $1,419.00
CREDIT ACCEPTANCE/ 2009 Lexus (EISENBERG)

TR arrears 1,926- last pay 5/6/24

OTBS Resolution Details:
$2000 by 7/25/24, $1,318.56 by 8/9/24; 30-day default clause beginning August, insurance clause, counsel fees through plan
Matter ResolvedRequest
Adjourment
837/3/2024 9:00 am23-20409 / CMGBrian S. Thomas, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $21,562.00
6/26: Order submitted

mk: 1st default and 1st 13 case-debtor brought loan current and parties have resolved w/ order- Any Future default- requires conduit

-----------------
AMT: TR LTR REQUESTING CONDUIT<>

NEW JERSEY HOUSING AND MTG (PLUESE)

debtor says has been making payments.
Matter ResolvedRequest
Adjourment
847/3/2024 9:00 am23-20416 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am

MP filed on 7/3>>ISSUES>>
- removes Loss mit and makes it a sale/base plan

Debtor obj, filing MP<>PLAN DENIED ON 4/3/24 AND FAILED TO FILE MP BY 5/1/24

creditor Stewart legal filed Cert of default(Honda CRV) on 6/27
Matter ResolvedRequest
Adjourment
857/3/2024 9:00 am23-20550 / CMGThomas G. Egner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am
Total Paid In: $4,089.00
MP filed

Debtor obj, filing MP, in trial period<>FAILED TO LM /FOSTERTOWN RD BY 3/28/24

Order extending Loss mit to 8/27
Matter ResolvedRequest
Adjourment
867/3/2024 9:00 am23-20622 / CMGBrad J. Sadek, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/17/2024 9:00 am
Total Paid In: $575.00
adj to 7/17 for $ to post and recap ans ewage

ARREARS $868 Last pay 2/6/24
Matter ResolvedRequest
Adjourment
877/3/2024 9:00 am23-20627 / CMGLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/17/2024 9:00 am

atty needs to review w/ debtor- 2 weeks 7/17 for status or D

conf is rec dismiss- so if dismissed here then conf moot

debtor was pro se - now has counsel MP on 7/3



------------------------
Debtor obj, filing MP<>PLAN DENIED ON 3/6/24 AND FAILED TO FILE MP

case filed on NOV 2023- NO Payments and MFR on 5/15

debtor say filing a MP for sale of Real prop.-

Mp filed 5/14- sale of property
Matter ResolvedRequest
Adjourment
887/3/2024 9:00 am23-20709 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Continued
7/17/2024 9:00 am
Total Paid In: $2,000.00
debtor has all funds to be current


ALLY CAPITAL / 2015 Tahoe (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
897/3/2024 9:00 am23-20794 / CMGYakov Rudikh, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
ARREARS 5,565 Last pay 3/4/24
Matter ResolvedRequest
Adjourment
907/3/2024 9:00 am23-20955 / CMGSteven J. Abelson, Esq.Motion Relief from Co-Debtor StayContinued
8/7/2024 9:00 am
Total Paid In: $3,975.00
7/3/24 : adj 8/7/ peremptory


AMT: TR LTR REQUESTING CONDUIT<>
debtor does not want conduit

5/1/24 for proof of payment

Debtor obj, made pymt<>SELENE FINC / Parkside Lane (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
917/3/2024 9:00 am23-21068 / CMGRobert Cameron Legg, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $14,140.00
Debtor obj<> AMERICAN HONDA/2018 Civic (STEWART)
Matter ResolvedRequest
Adjourment
927/3/2024 9:00 am23-21365 / CMGPRO SEMotion to Vacate DismissalRevised Order Submitted
Tr obj<>MTN TO VACATE DISMISSAL

Mk: sent debtor FORM of order to vacate dismissal and told her add'l terms needed.

Needs revised order that adds w/in 10 days of Order vacating dismissal debtor to send $1200 to Tr to bring case current through June 2024 and conf will be 8/21/24 at 10

needs 2022 tax return to be filed
Matter ResolvedRequest
Adjourment
937/3/2024 9:00 am23-21366 / CMGLaurence R. Sheller, Esq.Motion Relief from Stay (Fee)Continued
7/17/2024 9:00 am
Total Paid In: $4,660.00
needs 2 more weeks to work out settlement

6/25/24(mk) email from L Egerman- debtor has cured arrears thru May- waiting for June payment - no need for conduit and debtor says no to conduit and June payment being made


AMT: TR LTR REQUESGING CONDUIT<>

Debtor obj<>CSMC 2021-RPL7 TRUST (McCALLA RAYMER)

post petition $2,140.97
debtor says paid
Matter ResolvedRequest
Adjourment
947/3/2024 9:00 am23-21461 / CMGJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Continued
8/7/2024 9:00 am
Total Paid In: $4,200.00
AMT: TR LTR REQUESTING CONDUIT<>

PHH MTG / MYRTLE aVE (ROBERTSON)

Debtor oppose conduit and can cure arrears
Matter ResolvedRequest
Adjourment
957/3/2024 9:00 am23-21715 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Continued
7/17/2024 9:00 am

7/17 to resolve-debtor has funds to cure

Debtor obj, will pay<>FAY SERVICING /North Hermitage Ave(FRIEDMAN)

post pet due as of 4/24/24= 4,710.84
Matter ResolvedRequest
Adjourment
967/3/2024 9:00 am23-21951 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Continued
7/17/2024 9:00 am
Total Paid In: $7,297.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, made pymt & requests recap<>THIRD FEDERAL SAVINGS / cARDINAL cOURT (WELTMAN)

post pet : 3002 .40 as of 5/15/24

1st default - and parties have resolution
Matter ResolvedRequest
Adjourment
977/3/2024 9:00 am24-10010 / CMGYakov Rudikh, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $13,200.00
SANTANDER /Dartmouth Rd (GROSS)
Matter ResolvedRequest
Adjourment
997/3/2024 9:00 am24-10142 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am

PLAN WAS DENIED ON 4/17 AND FAILED TO FILE MP

MP filed 6/27
Matter ResolvedRequest
Adjourment
1007/3/2024 9:00 am24-10142 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Continued
8/7/2024 9:00 am

Debtor obj, will pay<>CITIZENS BANK/ 2019 Pilot (WELTMAN)
Matter ResolvedRequest
Adjourment
987/3/2024 9:00 am24-10142 / CMGDaniel E. Straffi, Esq.Creditor Certification of DefaultContinued
8/7/2024 9:00 am

Debtor obj, requests recap in plan<>M&T BANK/2020 Explorer (Fitzpatrick)

post pet past due $2,307.17
Matter ResolvedRequest
Adjourment
1017/3/2024 9:00 am24-10142 / CMGDaniel E. Straffi, Esq.Creditor Certification of DefaultContinued
8/7/2024 9:00 am

Debtor obj, proposes full balance within 14 days<> TD/2015 GMC Sierra (Gross Polowy)
Matter ResolvedRequest
Adjourment
1027/3/2024 9:00 am24-10719 / CMGAlan G. Cosner, Esq.Motion Relief from Stay (Fee)Granted
CENLAR / Gornick Dr (STERN LAVINTHAL)
Matter ResolvedRequest
Adjourment
1037/3/2024 9:00 am24-10783 / CMGJohn Zimnis, Esq.Motion Relief from Stay (Fee)Continued
7/17/2024 9:00 am
Total Paid In: $3,000.00
Debtor obj<>5 COBALT REALTY/LANDLORD
Matter ResolvedRequest
Adjourment
1047/3/2024 9:00 am24-10843 / CMGKarina Pia Lucid, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $18,000.00
CITIZENS BANK MTN FOR WAIVER OF NTC OF PYMT CHANGE REQUIREMENT (WELTMAN)

Papers say variable rate on home equity loan and moly payment changes would require filing monthly notices of payment change- instead creditor proposes: transmit monthly statements to debtor to advise of monthly payment at conclusion of each billing cycle.
Matter ResolvedRequest
Adjourment
1057/3/2024 9:00 am24-10975 / CMGYakov Rudikh, Esq.Motion Relief from Stay (Fee)Granted
PORSCHE FINC / 2023 Porsche (DEMBO BROWN)
Matter ResolvedRequest
Adjourment
1067/3/2024 9:00 am24-11088 / CMGJeffrey E. Jenkins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
mk: since MP filed on Notice and amended sch filed- Motion can be granted and the Ct will give MP #26 a hearing date


all motion says is dismissed for lack of payments and now have provide attys w/ $ WHEN IN FACT THE CASE WAS DISMIIES FOR ALL THE REASONS BELOW

TR Objection:
case was dismissed on 4/17 for :
DEBTORS HAVE MADE NO TRUSTEE PAYMENTS.(Atty holding $to be current)

ATTY EMAIL REPLY = FILING a MP to address objections to pay arrears thru plan

1. Objection filed by New Rez/Shellpoint (McCabe Weisberg) - failure to cure full arrears of $8,505.85 (Per obj - no POC yet) (UNRESOLVED)

2. Citizens Bank filed a secured arrears claim #1 in the amount of $564.63 which is not in the plan. Is the debtor going to pay this claim?

3. The IRS filed an estimated claim #5 which needs to be amended.( ATTY says return filed)

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Need statements for the debtors two Savings Plan loans.
- Amendments to Schedules to include the daughters contribution towards the
insurance for her Jeep (per 341 testimony). (Atty says filed amended I7 J
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 $527.50.
- Need to resolve objection by New Rez/Shellpoint.
- Need December and January statements for Zelle and Paypal accounts.( atty says provided)
- Need December and January statements for Chase account 8721.(atty says provided)
- Need to file Pre-Confirmation Certification. (NOT FILED)
Matter ResolvedRequest
Adjourment
1077/3/2024 9:00 am24-11160 / CMGGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)Continued
7/17/2024 9:00 am

Debtor obj, made pymt<>THE BANK OF NEW YORK MELLON / Bandon Rd (STERN LAVINTHAL)



Order(#21) for Loss mit entered 6/6/24- deadline 9/4/24
Matter ResolvedRequest
Adjourment
1087/3/2024 9:00 am24-11195 / CMGDavid H. Lipow, Esq.Motion Relief from Stay (Fee)Continued
7/17/2024 9:00 am

Debtor obj<>MSC ENTERPRISES/LANDLORD (KRISTEN JOHNSON)
Matter ResolvedRequest
Adjourment
1097/3/2024 9:00 am24-11302 / CMGHerbert B. Raymond, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $4,800.00
7/2/24: acct is current payments to continue in July- No conduit now Only if a future default


6/14/24:debtor objects to conduit( ist default) and says will be current by hearing so NO arrears thru plan


AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, will pay<>SN SERVICING /Florence Ave(FRIEDMAN)

Matter ResolvedRequest
Adjourment
1107/3/2024 9:00 am24-11315 / CMGJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Continued
8/7/2024 9:00 am

Debtor obj<>US BANK TRUST NAT'L / Jackson St (ROBERTSON)

arrears:3,361.48 as of 5/28/24-debtor says made payments - bank did not cash them.. and can cure in reasonable time

Conf was denied- Mp on 8/7
Matter ResolvedRequest
Adjourment
1117/3/2024 9:00 am24-11359 / CMGKarina Pia Lucid, Esq.Order Shorten TimeDenied
case to be dismissed at 10 on conf

6/11/24(mk):atty email debtor wants case dismissed

Monika to prep the bridge order

mk; suggested to parties adj to 7/3 and a bridge order to 7/3 to be sure it closes


5/14/24(mk) email from debtor atty; JUST REC'D K TO SELL HOME CASH CLOSE 6/10 WILL FILE APPL TO RETAIN REALTOR AND MOTIO TO SELL ASAP


5/7/25: Debtor current thru May w/ TR payments at the 3500. Conf will need much higher payment of $5,574 x 57- not feasible


4/16/24:PARTIES AGREE TO BRIDGE ORDER- TR TO PREPARE.ADJ TO 5/15 TO BE ON W/ MP


4/16/ mk sent email to parties per the note below

MK: per AR : if all parties agree then Tr will Bridge
order -suggest extend stay to 5/15 to MP - atty to review claims evaluate amt required for moly payments and prove feasibility

4/16/24: ATTY SENT PROOF OF TRACKING FOR 3RD PAYMENT OF 3500.

4/15: debtor has made the 2/3 payments of 3500 per Judge Gravelle





at last hearing- feasability of the plan is still an issue. 3rd one is apparently on the way


**grant limited stay thru 4/17 = must pay 3 payments 3500 to be made and can determine feasabililty judge wants to see commitment**


sheriff s sale pending

>>OST<<

MTN TO IMPOSE STAY- Not timely filed

debtor now has family contributing- Creditor wants proof

creditor says Serial filer- last case was a sale- she had offers and turned it down- now her income does not satisfy claims

there are 2 letter aff'ds - 1 not signed and need proof that daughter and grandson are able to pay

APOC by Irs: secured 27,836.14
priority 39,384
Matter ResolvedRequest
Adjourment
1127/3/2024 9:00 am24-11384 / CMGSteven J. Abelson, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $3,026.00
OTBS: outside cure - 1st default first filing- no conduit this time-Tr will require conduit if future default

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, made pymts<>SELENE FINC /Kadlubeck Way (ROBERTSON)

Post pet due as of 5/22/24=3,710.40
Matter ResolvedRequest
Adjourment
1137/3/2024 9:00 am24-11468 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Continued
7/17/2024 9:00 am

6/27/24 mk: mtg co researching homeowners ins refund

Debtor obj<>MIDFIRST BANK/Pheasant Drive (KML)

Arrears =7,601.26 as of May

debtor says : working w/ insurance co to resolve policy and billing issue( took him time to resolve when the forced pace insurance was removed. Will pay June and put any balance into plan
Matter ResolvedRequest
Adjourment
1147/3/2024 9:00 am24-11633 / CMGJames J. Cerbone, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
8/7/2024 9:00 am

NJ WC obj (Pressler, Flet); debtor response<>MTN TO OBJECT STATE OF NJ WORKERS COMP CLAIM

Creditor says:
Cert in support of motion signed by the debtor's atty- not debtor. ST assessed an admin penalty against debtor for failure to provide worker's comp coverage for business entity on 4/5/19 and was docketed Judgment in NJ Superior Ct. debtor dispute validity of J'ment and says made payments. says debtor seeks to invalidate J'ment and can't do that Under Rooker-Feldman

debtor response= debtor filed Ch 7 in 2018 & St Workers Comp, thru their atty, filed a judgment post pet in 2019 and say j'ment should be expunged as violation of automatic stay.....
Matter ResolvedRequest
Adjourment
1157/3/2024 9:00 am24-11690 / CMGLaurence R. Sheller, Esq.Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $1,400.00
6/26 /24(mk);sent parties an email- need to get this resolved before case can be confirmed- need to reach out to chambers for t/c or call


parties to report to Ct and then decide on motion

AR NOTE parties to get proof of payment of PTY taxes
INFORMATION IS FLUID STILL COMING IN

Debtor obj<>LONGBRIDGE FINC /Lower Ferry Rd(GREENSPOON)

CREDITOR SAYS ORDER ENTERED IN PRIOR BCKY FOR STAY RELIEF- ITS A REVERSE MTG - filed foreclosure action
Matter ResolvedRequest
Adjourment
1167/3/2024 9:00 am24-11804 / CMGJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Order to be Submitted
Debtor obj, will pay<>M&T BANK / Summit Drive (PARKER McCAY)

Matter ResolvedRequest
Adjourment
1177/3/2024 9:00 am24-12353 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Continued
7/17/2024 9:00 am
Total Paid In: $600.00
Debtor obj, applying for assistance;will pay<>PNC BANK/Selkirk Ave (KML)
Matter ResolvedRequest
Adjourment
1187/3/2024 9:00 am24-13113 / CMGMelinda D. Middlebrooks, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
341 now on for 6/27- Hearing was held


Debtor obj<>DEBTOR HAS NOT PROVIDED TRUSTEE DOCS REQUIRED FOR 341(a), WHICH WAS ORIGINALL SCHEDULED FOR 4/25/24 AND ADJOURNED TO 5/9/24, BUT HAS NOT BEEN HELD
Matter ResolvedRequest
Adjourment
1197/3/2024 9:00 am24-14280 / CMGDaniel E. Straffi, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGranted
LOSS MIT/WELLS FARGO
Matter ResolvedRequest
Adjourment
1207/3/2024 9:00 am24-14378 / CMGVera Fedoroff, Esq.Motion Relief from Stay (Fee)Continued
7/17/2024 9:00 am

Debtor obj<>INVESTORS COMMERCIAL CAPITAL/ South Broad St (EDWARD PAUL)
Matter ResolvedRequest
Adjourment
1217/3/2024 9:00 am24-14592 / CMGKevin C. Fayette, Esq.Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $600.00
EXTRA PROPERTY MTGMT (SHNAYDER LAW FIRM)
Matter ResolvedRequest
Adjourment
1227/3/2024 9:00 am24-14643 / CMGCarol L. Knowlton, Esq.Motion Relief from Co-Debtor StayGranted
CREDIT UNION OF NJ/ co-debtor stay (McKENNA)

No 341 held and another SV motion by Ally is on 7/17

NO TRUSTEE PAYMENTS - case filed 5/7/24
Matter ResolvedRequest
Adjourment
1237/3/2024 9:00 am24-14995 / CMGPRO SEMotion to Impose StayOrder to be Submitted
Judge Kaplan will issue bench order that say stay will automatically terminate /8/7 if plan is not confirmed

7/3: ct will reimpose stay thru 8/7 so car is not sold but not ordering turnover- if plan gets confirmed then that will address the claim- if not then stay will automatically terminate on 8/7.


Bridgecrest response (Hladik)<>MTN TO REINSTATE STAY

car insurance expired 5/24/24
plan has car cram amt car purchased 2023 - she has to pay full amt. interest under plan


5th bkcy filing: 2 Ch 7's in PA then 3 Ch 13 here in NJ 3 rd pro se filing in 6 mos 2und time creditor has recovered the car - OPPOSES STAY BEING REIMPOSED

june 2023 purchased and only 1 payment was made as of May per pet 9000 = moly payment 988 p/m Post pet 988 and July 988- Fees and costs

debtor is back at work and says can pay- but not specific in the amt. debtor needs car for work and kids


341 on 7/18 and Conf scheduled for 8/7/24
Matter ResolvedRequest
Adjourment
1247/3/2024 9:00 am24-15004 / CMGMaryBeth Schroeder, Esq.Motion for RetentionGranted
mk: listing agmt filed at #16 as support-OK

Trustee limited obj, needs cc of listing agreement filed as support doc<> MTN FOR REALTOR RETENTION
Matter ResolvedRequest
Adjourment
1257/3/2024 9:00 am24-15681 / CMGJustin M. Gillman, Esq.Motion Impose Automatic StayGranted
MTN CON'T STAY

Plan Filed
341 scheduled for 7/ 11/24
Matter ResolvedRequest
Adjourment
1267/3/2024 9:00 am24-15769 / CMGRodney Nelson, Esq.Order Shorten TimeOrder to be Submitted
mk: OTBS for stay relief

>>OST>>

MOTION FOR DISMISAL OR STAY RELIEF

Creditor ,Nat'L Realty & Dev Corp(Scott Fleisher, Esq of Barclay Damon) debtor guarantied a commercial lease( for rental of a Retro Fitness- closed 2022). Default of lease- st. ct. action for beach of lease and damages- debtor had no equity in leased premises and lease not necessary for reorganization

debtor had 1 prior filing (23-18977)dismissed before conf. in Jan 2024- NO 341 held and Tr arrears

NO PPSD ORDER W/ MOTION
Matter ResolvedRequest
Adjourment
1277/3/2024 9:00 am24-15962 / CMGLeonard S. Singer, Esq.Order Shorten TimeOrder to be Submitted
>>OST<<

7/2/24: A lubin objects and and wants added lang #19 parg 5 and 6 for payoff

MK 6/26:REVISED ORDER SUBMITTED -OK

BUT SINCE OST - need to call case


as of 6/26- no plan filed yet but mtg co appears to be only creditor on schedules

>>atty filed at #16 a PPSED FORM of Order BUT not filled in in Parg 5 for amount of debtor's exemption as claimed on sch C and Parag 6 must check first box for NE proceeds to TR- even tho it appears no guc- Bar date is 8/22- EMAIL TO ATTY

>OST<<

MTN TO SELL MOFFETT ST PPTY

case filed 6/13/24

TR OBJECTION:
-NEED REC FORM OF ORDER TO SELL PROPERTY- THE PPSD ORDER IS INSUFFICIENT
-cert is from atty and not debtor


mk: appl for retain realtor filed 6/13/24- as of 6/24 NO PLAN FILED
no gucs listed on F
Matter ResolvedRequest
Adjourment
1287/3/2024 10:00 am19-32024 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 190 of 56 required payments   Arrears: $100.00  Total Paid In: $18,950.00
ISSUES AS OF 6/26/2024 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $18,950 PTD, THEN $100 x 5 STARTING 7/1/24, BASE PLAN***

1) Trustee OBJ:
- Need updated proof of income (NEED BREAKDOWN/DETAIL OF THE EXPENSES ON HUSBAND'S P&L STATEMENTS. Updated P&L with detailed expenses uploaded.)
- Need amended Sch I&J (AMENDED.)
- Need 2023 tax returns (RECEIVED.)

Note - Loan Mod order entered 4/9/24 as Doc #87.


Confirmed Case: $9,650 Ptd, $400 x 34, Base Plan.
Prop. MP: $18,550 Ptd, $100 x 9, Base Plan.
PTD = $18,950, Arrears $1,400 as MP filed.
Last Claim (26-3) dated 10/27/21.
Matter ResolvedRequest
Adjourment
1297/3/2024 10:00 am22-12735 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanContinued
8/21/2024 10:00 am
Debtor has made 2 of 27 required payments   Arrears: $4,100.00  Total Paid In: $9,200.00
AS OF 6/26/24 (SF)

Per MK case should be adjourned to August to allow for the amended I and J and see if debtor can make the payments.

Trustee objection:

The debtor proposes to increase plan payments to $5100 per month per order resolving Cert of Default. Need amended I and J. Current disposable income is $396. The plan does not appear to be feasible.



MP proposes $7100 PTD, $1000 X 6; $3000 X 29 BASE
Removes loan mod and proposes a cure

Matter ResolvedRequest
Adjourment
1307/3/2024 10:00 am22-15349 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanContinued
8/7/2024 10:00 am
Debtor has made 8 of 24 required payments   Arrears: $12,896.00  Total Paid In: $11,500.00
8/7- C OR D for sure- Peremptory

6/21 workup same as last time edc
adj to 7/3 to C OR D- PEREMPTORY


WE NEED EVIDENCE THAT THE WC CAN FUND- aty does not know status of case

updated 5/13/2024 (JMA)
updated 5/8/2024 (JMA)
issues as of 4/5/2024 (JMA)

1) Modified plan states that plan payments are being reduced and that proceeds from pending workers comp settlement to be paid. Is there a specified amount that is to be paid? The original plan base was $79,584.

2) Need to provide updated I & J- and evidence of amount of Workers comp $ WITH AMENDED SCHEDULE I&J INCOME IS NOW NEGATIVE $-976.62.

3) Need to provide 2023 tax return.

proposed plan $10,000 paid to date, $500x40 plus proceeds from pending workers comp settlement
paid in $10,500
arrears $10,830
38 months to go
Matter ResolvedRequest
Adjourment
1317/3/2024 10:00 am22-17271 / CMGDavid L. Stevens, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 22 of 22 required payments   Arrears: $0  
Total Paid In: $5,501.00
6/21 workup for the 7/3 calendar EDC

RECOMMENDED CONFIRMATION TERMS: $250 X 60 BEG. 10/1/22; REFI BY 9/10/24 --- NON-EXEMPT EQUITY OF $82,932.28 TO BE PRESERVED & UNSECURED CREDITORS TO RECEIVE A MIN OF $167,132 PRO RATA OR 100% (DUE TO EQUITY)

* MP extends refinance period due to medical issues

*trustee objection:
--Since the debtor has failed to refinance the property in the 20 months since filing, trustee object to the extension of the refinance period for any for than 120 days. Refinance should be completed by 9/10/24
--The debtor has not provided updated proof of income, 2023 tax returns or updated schedules--DONE

Matter ResolvedRequest
Adjourment
1327/3/2024 10:00 am22-18083 / CMGLee M. Perlman, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 11 of 21 required payments   Arrears: $2,420.00  Total Paid In: $26,006.00
AS of 6/26/24(mk)

**CAN REC CONFIRM AT 26,006 PTD THEN $2,420 x 40 Begin 7/1/24 Base w/ MIN $12,693 to gucs. Needs application for supplemental atty fees w/ in 7 days of confirming order**



1. Need to ask atty if any more supp fees to be included atty reply :$1000 for the MP

MP proposes: $2420 X 41; MIN $12,693
GM FINC VEHICLE SURRENDERED- totaled - debtor got nothing
Plan has run20 mos and 40 remain


Matter ResolvedRequest
Adjourment
1337/3/2024 10:00 am23-11815 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanContinued
8/7/2024 10:00 am
Debtor has made 14 of 16 required payments   Arrears: $700.00  Total Paid In: $4,900.00
8/7 - NFA - premptory

ISSUES AS OF 6/26/2024 (DM):

***This is a one creditor case. If debtor is unable to show that property was listed for sale shortly after the 12/7/23 consent order, then Trustee will RECOMMEND DISMISSAL***

1) Mortgage Assets Management (Laura Egerman) OBJs - debtor has failed to make adequate protection and sell the property by 4/1/24 or even list the property for sale per previous consent order (UNRESOLVED.)


Confirmed Case: $2,800 Ptd, $350 x 52, 100% Plan with $30k Min Div.
- sale of Terrace Ave by 4/1/24.
Prop. MP: $4,550 Ptd, $350 x 22, 100% Plan.
- sale of Terrace Ave by 12/1/24.
PTD = $4,900, Arrears $350 as MP filed.
Last Claim (1-1) dated 4/21/23.
Matter ResolvedRequest
Adjourment
1347/3/2024 10:00 am23-12766 / CMGRobert H. Johnson, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 6 of 15 required payments   Arrears: $0  
Total Paid In: $3,452.00
MP filed 6/25

MK: status chg- w/d-MP IN 14 days

6/24/24(mk sent email to atty

As of 6/13/24(mk): atty says REFI should be 6/2025 not 2024- he will w/d this plan and file new MP and correct the date to refi 2025

>>PLAN NOT FEASIBLE W/OUT REFI AND ANY EXTRA $ DEVOTED TO PLAN

MP extend REFI to 6/1/24... date was error

$2301.99 PTD; $550 X 12; $1500 36; REFIN (715 SPIRAL DR); 100% EXTEND TIME TO REFI

Plan has run 14 mos and 46 remain

MP has Digital FCU as unaffected. Has arrears claim 557.15- TR to pay per prior conf
NEW REZ per prior conf TR was paying arrears pending refi- SAME TREATMENT?




Matter ResolvedRequest
Adjourment
1357/3/2024 10:00 am23-12798 / CMGKirsten B. Ennis, Esq.Confirmation Hearing on Modified PlanContinued
7/17/2024 10:00 am
Debtor has made 15 of 15 required payments   Arrears: $0  
Total Paid In: $3,750.00
NFA 7-17
per AR:There is about 800 in unsecured claim filed which have been paid so the property issue is to be resolved between the debtor and the lender

as of 6/19- property was NOT listed for sale. mk sent email to atty
motion filed 6/18 to allow IRS late POC _ order needs to authorized Tr to pay late claim

adj to see if AP payments made and prop listed

5/15 : property is not listed for sale as of now and no realtor appt yet


AR - SMALL GUC PD SO NOW ONLY BANK AND IRS CLAIM(LATE CLAIM)

AS of 5/2/24(mk):

1. Objection By Bank Of NY/ Shellpoint( Hill Wallack):
plan fails to pay arrears
-----------------------------
2 TR Objection:
Prior plan was 100% (MIN $34,765 TO GUCS DUE TO NE EQUITY)
MP says base - but still needs to be 100% due to that T/H
- property is not even listed for sale yet.

GUC was paid

MP Proposes:$3000 PTD; $250 X 48; ( SALE OF 123 WEST WARREN ST BY 12/31/24); BASE
SELL PROPERTY AND PAY IRS CLM

Plan has run 13 mos and has 23 under original length- THIS PLAN MAKES IT TOTAL 60 MO PLAN
Matter ResolvedRequest
Adjourment
1367/3/2024 10:00 am23-13168 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanContinued
8/7/2024 10:00 am
Debtor has made 9 of 15 required payments   Arrears: $1,112.00  Total Paid In: $5,334.00
Peremptory for 8/7(mk)

ISSUES AS OF 6/26/2024 (DM):

***Zillow currently shows that property is Off Market. If debtor is unable to show that property was listed for sale shortly after 12/20/23confirmation, then Trustee will RECOMMEND DISMISSAL***


Confirmed Case: $2,100 Ptd, $300 x 1, $578 x 28, 100% Plan.
- sale of Cumberland Dr by 4/21/24.
Prop. MP: $4,756 Ptd, $578 x 23, 100% Plan.
- sale of Cumberland Dr by 12/1/24.
PTD = $4,756, Arrears $534 as MP filed.
Last Claim (4-1) dated 6/23/23.
Matter ResolvedRequest
Adjourment
1377/3/2024 10:00 am23-13989 / CMGMaryBeth Schroeder, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 13 of 14 required payments   Arrears: $791.00  Total Paid In: $10,291.00
AS OF 6/20/2024 (at):

RECOMMEND:$9,500 PAID TO DATE, $791 x 47 BEGINNING 7/1/2024, BASE
Claims will be paid according to the trustee's order of distribution.

MP proposes: $791 x 60, base
Arrears: $783
(TO ADDRESS THE FACT THAT CREDIT ACCEPTANCE OBTAINED STAY RELIEF AND REPOSSESSED THE FORD TAURUS)
Matter ResolvedRequest
Adjourment
1387/3/2024 10:00 am23-15257 / CMGAmy Lynn Bennecoff Ginsburg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 38 of 13 required payments   Arrears: $78.00  Total Paid In: $2,970.00
ISSUES AS OF 6/26/2024 (DM):atty ok to terms(mk)

***Based upon $0 filed GUCs and Loan Mod Order entered, TRUSTEE CAN RECOMMEND CONFIRMATION AT $2,970 PTD, THEN $78 x 1 STARTING 7/1/24, 100% PLAN WITH $93,249 THRESHOLD PRESERVED***

1) Wells Fargo/PHH Mtg filed $25,798.35 arrears claim on Jackson St property that is higher than amount proposed in the plan (OKAY TO PAY PER POC?? Loan Mod completed.)

2) Trustee OBJ:
- Need to amend Sch J to add the mortgage payment (UNRESOLVED.)
- There is $93,249 non-exempt equity in real estate (NO GUCs FILED.)
- Need to file Pre-Confirmation Certification (FILED.)

 1/16/24(MK): email to atty we will use Trulia value of 213,400 unless she gets us a CMA and need to get copy of DEED from County Clerk. We have Deed in docs now.


Prop. Plan $330 x 60, Base Plan
PTD 9/10 = $2,970
Last Claim (1-1)
Matter ResolvedRequest
Adjourment
1397/3/2024 10:00 am23-16205 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 6 of 12 required payments   Arrears: $1,014.00  Total Paid In: $6,724.00
AS OF 4/24/24 (SF)

1. Modified plan proposes to reduce payment and pay 0% to unsecured creditors. Disposable income verifies higher at $4.044 and will be even higher if the above car is removed from Schedule J.

2. The plan (part 4e) surrenders the creditor Honda for a 2022 Acura but amended Schedule J still has payment listed (need explanation)



MP proposes $4708 PTD, $1125 X 52 0% PLAN
Plan has run 9 months with 51 months remaining
surrenders car

Matter ResolvedRequest
Adjourment
1407/3/2024 10:00 am23-16235 / CMGVera Fedoroff, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 11 of 12 required payments   Arrears: $421.00  Total Paid In: $8,927.00
AS OF 7/1/24 (SF)


RECOMMEND $8505.50 PTD; $842 X 49 (BEGIN 7/1/24) 100% PLAN W/MIN $136,953 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE; NONEXEMPT PROCEEDS FROM SALE OF REAL ESTATE BY 10/30/24
- TRUMAN 2021 SC9 TITLE TRUST TO BE PAID AT SALE
- OTBS WITHIN 30 DAYS RESOLVING MOTION FOR RELIEF AND OBJ TO CONF BY TRUMAN 2021 SC9 TITLE TRUST
- NEED ORDER APPROVING SUPPLEMENTAL FEES WITHIN 30 DAYS
- LOW BASE

1. Objection filed by Truman 2021 SC9 Title Trust - failure to provide for secured creditor's claim and failure to make post petition payments (RESOLVED OTBS)

2. Motion for Relief filed by Truman 2021 SC9 Title Trust scheduled for 7/3 at 9 (OTBS)

3. Trustee Motion to Dismiss scheduled for 7/3 at 9 (WITHDRAWN)

4. Motion for Compensation scheduled for 7/17 at 12



MP proposes $842 x 46 100% Plan; Sale by 10/1/24
Plan has run 11 months with 37 months remaining
Arrears $629
Matter ResolvedRequest
Adjourment
1417/3/2024 10:00 am23-17031 / CMGPaul H. Young, Esq.Confirmation Hearing on Modified PlanContinued
8/7/2024 10:00 am
Debtor has made 10 of 11 required payments   Arrears: $400.00  Total Paid In: $4,000.00
AS OF 6/27/24 (SF) Updated - Removed from honor roll due to objection filed - sent email to atty.

Objection filed by Magerick LLC (Peter Lawrence) - failure to pay arrears of $152,433.22


RECOMMEND $4000 PTD, $400 X 50 (BEGIN 7/1/23) 100% PLAN; LOAN MOD BY 8/30/24
- DO NOT PAY ARREARS OR RESERVE TO MAGERICK LLC /LAND HOME FINANCIAL SERVICES



Trustee motion scheduled for 7/3/24 at 9


MP proposes $400 x 60 100%; Loan Mod by 8/30/24
Plan has run 10 months with 50 months remaining
Matter ResolvedRequest
Adjourment
1427/3/2024 10:00 am23-17525 / CMGAndy Winchell, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 19 of 11 required payments   Arrears: $1,700.00  
7/3: atty had trouble contacting debtor - needs time to talk to him

AR RESOLVE OR HOLD
ISSUES AS OF 6/26/2024 (DM):

***Trustee received non-exempt proceeds from sale of property. TRUSTEE CAN RECOMMEND CONFIRMATION AT $16,200.66 PTD, THEN $850 x 50 STARTING 7/1/24, BASE PLAN, STRIKE SECURED PLAN TREATMENT TO THE STATE OF NJ, TRUSTEE SHALL BE ADDED TO ALL INSURANCE POLICIES WITHIN 30 DAYS BASED UPON VESTING AT DISCHARGE, FEE APPLICATION SHALL BE FILED WITHIN 7 DAYS***

1) MP provides $2,878.06 secured treatment to the State of NJ - no POC filed (STRIKE??)

2) Trustee OBJ:
- Debtor has insufficient income.
- Atty must file fee application within 7 days of confirmation (LANGUAGE ADDED.)

***RESOLVED ISSUES***

 4/17/24 - sale has not closed- creditor says post final judgement and payoff needs to be requested form foreclosure atty who is different that bankruptcy atty - Not Debtors Delay - creditor is working on it and then will close in next 2-3 weeks.

 3/6 email to Atty advising of 2015 estimated NJ tax claim. Sale now in early April (dm)
 Motion to Sell pending (ORDER ENTERED.)
 MFR (Friedman Vartolo) pending (OTBS.)
 Motion to Expunge POC (11-1) pending 3/20/24 - amended POC (11-2) filed 2/27/24.

A) Shellpoint Mtg (Friedman Vartolo) OBJs - creditor wants stay relief if property is not sold within time frame that creditor agrees to (CLAIM PAID AT CLOSING.)

B) State of NJ filed an unsecured claim that includes estimated taxes for 2015 (CLAIM AMENDED TO $0.)

C) DC Gov't Office of Tax & Revenue filed $13,485.66 amended secured POC (11-2) - pending Motion to Expunge was filed with respect to POC (11-1) and proposed order incorrectly references POC #17 - proposed order will need to be amended to correct POC number and provide more detail - is debtor looking to expunge the claim based upon his Certification or just make entire claim unsecured (POC HAS BEEN WITHDRAWN AND MOTION TO EXPUNGE THE POC WAS ALSO GRANTED.)

D) Trustee OBJ:
- Need to file Pre-Confirmatio
Matter ResolvedRequest
Adjourment
1437/3/2024 10:00 am23-17981 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 6 required payments   Arrears: $0  
Total Paid In: $1,800.00
7/1/24(mk) updated due to payment made

**CAN REC CONFIRM AT $1,800 Then $500 x 54 Begin 8/1/24 Base w/ min $13,500 to gucs. Preserve equity t/h $4,484. Student Loans outside**


1. Trustee Objection:
-insufficient income - Amended I & J filed and POI dispos income now $ 817 - so TR payment needs to increase. compromise $500 going forward


Plan:$300 X 60; MIN 13,500 STD Loans outside
3/5 payments


-----------RESOLVED--------------------------
- non exempt equity in home 4,484(Plan proposes a min 13,500 so this is covered)
- must file pre conf cert(Filed)
-Amendments to Schedules and provide updated income for
debtor's new job at Mid-Atlantic Heating & Cooling( only 1 pay stub provided)
converted to ch 13- Dan is subst atty and sent 2022 returns to TR and had appraisal
must file pre conf cert(Filed)

3/6/24:Order submitted resolving Penny Mac Objection- Pay POC $2,106.87


Matter ResolvedRequest
Adjourment
1447/3/2024 10:00 am23-19388 / CMGRobert B Davis Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 8 of 9 required payments   Arrears: $910.00  
8/21 - Peremptory

7/3: had to upload new ID and will appear - getting anew date

ISSUES AS OF 6/26/2024 (DM):

***Case is 8 months old, and the 341 Meeting of Creditors has been rescheduled 4 times and still has not been conducted - RECOMMEND DISMISSAL***

 341 Meeting now on 6/6/24 (NOT HELD.)

1. 341 has not been held or rescheduled.
2. Payments: 4/5. arrears $930.18

FYI- LOOK AT DOCKET #30 AND SCROLL TO SEE CONSENT ORDER RESOLVING OBJECTION BY BERKSHIRE BANK PROVIDES: Creditor will grant Debtor a 6-month forbearance staying its foreclosure action against Debtor. In exchange for the forbearance, at the end of the six-month forbearance period, Debtor has agreed to pay the debt in full or refinance the loan to bring it current.
Matter ResolvedRequest
Adjourment
1457/3/2024 10:00 am23-19523 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 6 of 9 required payments   Arrears: $99.00  Total Paid In: $6,086.00
6/21 Workup for the 7/3 calendar EDC - Atty agrees to terms

RECOMMEND MP $5236 paid to date then $949 X 54; SALE 6 MO AFTER CONF (14 CHURCHILL RD); PRO RATA - WITH MINIMUM OF $14,000 DUE TO EQUITY IN REAL ESTATE---TRUSTEE TO RECEIVE THE NON-EXEMPT PROCEEDS FROM THE SALE OF REAL ESTATE 11/30/24

need listing agmt and address arrears- atty says he lost his job - he will agree that all NE proceeds form sale pd to TR

Mtg co objection resolved
*THE TRUSTEE ARREARS HAVE BEEN CAPITALIZED GOING FORWARD (ADDS $100 MONTHLY)


MP $5236 paid to date then $949 X 54; SALE 6 MO AFTER CONF (14 CHURCHILL RD); PRO RATA - WITH MINIMUM OF $14,000 DUE TO EQUITY IN REAL ESTATE---TRUSTEE TO RECEIVE THE NON-EXEMPT PROCEEDS FROM THE SALE OF REAL ESTATE 11/31/24

*Trustee objection:
-latest recent CMA's show value of around $220,000 which would have some equity around $14,000. We need confirmation to say any non-exempt proceeds to trustee because of the sale. Also needs pro rata

--- Co Debtor has pension from grandma listed on Line #21 Schedule A/ B. Referred to as a legacy pension. Amount not disclosed and not on Schedule I as income. need explanation
(NOT RECEIVED)-- Mk: pension is disclosed on line 8g OK



Matter ResolvedRequest
Adjourment
1467/3/2024 10:00 am23-19760 / CMGJoseph Casello, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 7 of 8 required payments   Arrears: $0  

6/24 workup for the 7/3 calendar EDC
-SAME ISSUES AS LAST TIME

** Trustee obj to the following:
- Need pay stubs for non-filing spouse for the month of November, after 11/3/23 pay period.
- Must amend Sched G to list 2 addition auto leases (2021 Honda Civic and 2022 Honda Civic).
- Excessive expenses on Sched J: Vivant Solar $132.34 (not in plan or schedules), Life insurance $265.49, Health insurance $650.07, car insurance $793.42, car payment $655.52 and Crystal water $34.96 (not in plan or schedules).
- Income would verify higher due to excessive expenses and tax refund $2,365, not on Schedule.
- There is non-exempt equity in real property $137,986 (Spouse is not on Deed).
- Must file Pre-confirmation certificate.

3. NewRez (ALEISHA JENNINGS) obj to arrears owed, POC filed arrears $3,360.12. Must resolve obj.

4. Claim American Honda 2021 Honda Civic lease to be rejected.

Prop Plan $1,050 x 60 begin 12/2023; Dollar Base $54,000
Matter ResolvedRequest
Adjourment
1477/3/2024 10:00 am23-20416 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanContinued
8/7/2024 10:00 am
Debtor has made 8 of 8 required payments   Arrears: $0  

8/7/24 Peremptory

ISSUESAS OF 6/26/2024 (DM):

1) MP changes treatment from Loan Mod to sale by 1/1/25. Is Citibank/US Bank (KML) okay with sale date? Are we paying pre-petition pending sale or just the post-petition per consent order entered?

2) Franklin Credit/Wilmington Savings - 2nd mtg (HILL WALLACK) OBJs - $175,903.62 arrears (UNRESOLVED.)

3) Toyota Lease filed $451.50 arrears claim on 2022 Toyota Camry (OKAY TO PAY??)

***RESOLVED ISSUES***

 MFR filed by Citibank scheduled 3/20/24. Debtor $13,568.19 in post-petition arrears (CO ENTERED - $18,090.92 ADDED TO THE PLAN PLUS $549 FEES/COSTS.)

A) Citibank/US Bank - 1st mtg (KML) OBJs - Loan Mod is speculative - $210,697.57 arrears (CO ENTERED, LOAN MOD BY 5/7/24, TRUSTEE NOT PAYING PENDING LOAN MOD.)

 MFR filed by Toyota scheduled 3/20/24. Debtor $1,290 in post-petition arrears (CO ENTERED - 6 MONTH CURE.)

Note: Expense for tele/cell/internet/cable $425 is okay, and disposable income is not an issue as plan pays more.


Prop. Plan $3,000 Ptd, $500 x 54, Base Plan.
- sale of Lori St by 1/1/25.
PTD 7/7 = $3,500
Last Claim (18-1)
Matter ResolvedRequest
Adjourment
1487/3/2024 10:00 am23-20599 / CMGMarcia Y. Phillips, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $700.00  
atty had proof of payments

all 341 docs uploaded

As of 6/1/24 (DS): 341 will not held 6/20/24, missing all docs, no Trustee payments made, Debtor in arrears $800, made 0 out of 2 payments.
Matter ResolvedRequest
Adjourment
1497/3/2024 10:00 am23-20627 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
7/17/2024 10:00 am
Debtor has made 0 of 8 required payments   Arrears: $8,000.00  
IF CASE IS DISMISSED ON TR MOITON THEN MARK THIS AS MOOT-DISMISSED

6/19/24(mk):

no 341
0/7 payments arrears 7,000
Matter ResolvedRequest
Adjourment
1507/3/2024 10:00 am23-21023 / CMGAllen I. Gorski, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 8 required payments   Arrears: $5,530.00  Total Paid In: $23,700.00
Trenton w/d objection to conf w/ filed status change

updated workup for the 7/3 calendar EDC

WE CAN CONFIRM AT:

****$23,700 PAID THEN $5530- X 53 BEG 7/1/24- 100% DUE TO EQUITY OF $76,628-TRUSTEE WILL PAY TRENTON CLAIM--TRUSTEE WILL PAY CLAIMS ACCORDING TO THE FILED CLASSIFICATIONS


--PER WHAT WE HAVE RECEIVED THERE IS EQUITY IN PROPERTY, EBAY ITEMS AND ACCOUNTS. THESE AMOUNTS ARE MORE THAN THE $74,098 IN FILED CLAIMS. IF TRENTON RESOLVED WE CAN CONFIRM WITH A MINIMUM OF $76,628 (EQUITY IN RE) TO STREAMLINE THIS IF GORSKI AGREES EDC

1) City of Trenton (Goldenberg Mackler) objection to confirmation - NEED TO RESOLVE
-tax sale certificate $84,179.55-

2) Trustee objection to confirmation - NEED TO RESOLVE-OK IF AGREES TO 100%
- A current market analysis - did not provide valuation for 228 North New Jersey Avenue. If house demolished what is the land value?
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1846 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): PNC growth account balance as of 10/31/2023 is $643.13; PNC reserve account balance as of
10/25/2023 is $7,207.70. Total in PNC Bank $7,850.89 and no exemption on Schedule C which leaves $7,850.89 non-exempt equity.
- There is $21,665 non-exempt equity in 139 Hoffman Avenue property
- There is $66,358.75 non-exempt equity in 1219 MLK Blvd property
- There is $13,476.50 non-exempt equity in 226 North New Jersey Avenue property PROPERTY SURRENDERED IN PLAN
- There is $13,476.50 non-exempt equity in 228 North New Jersey Avenue property PROPERTY SURRENDERED IN PLAN
- The total non-exempt equity will be determined once all claims have been filed.
- Debtor provided a Bitcoin and Investment statement undated. NEED STATEMENTS WITH DATES
- Debtor provided a 12 page list of items and prices with thousands of dollars
Matter ResolvedRequest
Adjourment
1517/3/2024 10:00 am23-21467 / CMGRichard S. Hoffman Jr., Esq.Confirmatiom Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $0  
Total Paid In: $1,350.00
As of 7/2/24 (DS): Need to confirm at $1,350 paid, $225 x 11 begin 8/1/24; $645 x 42 begin 7/1/25; Base and Trustee standard order of distribution. EMAILED DEBTOR ATTY

1. Debtor is not current with Trustee payments, has not made June payment and soon July. Last payment made was 5/22/24. CANNOT WORK UP TERMS IF NOT CURRENT WITH PAYMENTS. DEBTOR MADE A PAYMENT 7/1/24 $225, STILL NOT CURRENT, INCREASED PLAN PAYMENT

As of 5/10/24 (DS): Debtor atty requested adjournment to allow for service.

5/15/24 (DS): 1. Trustee obj to the following:
- Disposable income verifies $491, tax refund $807 is not on Sched I. PLAN NEEDS TO PAY MORE.
- Pension loan statement provided and loan pymt $380 ends in month 13 bringing disposable income to $871.
- Need Trustee standard order of distribution.

Prop Plan $225 x 18 begin 1/11/24; $525 x 30; Base
Note: Service done. Chime Bank statements and 2023 tax returns provided.
Matter ResolvedRequest
Adjourment
1527/3/2024 10:00 am23-21715 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanDeniedDebtor has made 6 of 7 required payments   Arrears: $1,100.00  
per request attorney to file MP within 14 days edc

6/24 workup for the 7/3 calendar EDC

**MP filed proposes $1050 X 6; $1100 X 4; $3292 X 50; LM 10/24; BASE with minimum of $14,532 to unsecured creditors due to equity:LM On Sayreville Propp by 10/31/24---TR is authorized to pay arrears to Barclays on claim #8-1 pending LM-------Tr is authorized to pay late claim #14-1 of Princeton Fed'l Credit Union in the amount of $3,084.90 thru plan.-----Trustee to receive non exempt proceeds from copyright lawsuit

**Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Business profit & loss statements (NOT RECIEVED)
- Business forms - for Flip Inventions LLC. (NOT RECEIVED)
- Amendments to Schedules C to take d(5) exemption remaining $15,412.55 on Cortland
St property to add copyright infringment law suit. (NOT AMENDED)


------------------------
RESOLVED ISSUES:
- Disposable income verifies $ 3,427. OK edc
- 22c has mortgage arrears on Line 34, plan is proposing loan mod, not sure if both properties or one. OK

1. Objection filed by Carrington Mortgage (Hill Wallack) - failure to cure full arrears of $134,879 (Per POC) (MOD PLAN PAYS FULL ARREARS AND NO OBJ TO MOD PLAN)

2. Objection filed by Fay Servicing (McCabe Weisberg) - failure to cure full arrears of $25,005.25 (Per POC) (MOD PLAN PAYS FULL ARREARS AND NO OBJ TO MOD PLAN)

OTBS on B. McDowell obj (Princeton Fed credit) = pay pre pet claim thu plan AND bring HELOC current by paying 1,630.72 to creditor>>> MK: ADD LANG TO CONF TERMS THAT SAYS TR IS AUTHORIZED TO PAY PRINCETION 'S LATE CALIM

- A copy of the homeowner's insurance renewal declaration - with personal liability coverage for 304 Cortland St property. (RECEIVED)
- Auto insurance for 2008 BMW. (SURRENDERED)
- A Modified Plan that states which properties on to apply for loan modifications. (MOD PLAN FILED)
- The current Plan does not specify treatment of Navy FCU for 2008 BMW. under the Plan.(MOD PLAN SURRENDE
Matter ResolvedRequest
Adjourment
1537/3/2024 10:00 am23-21794 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0  

adj to 8/7/ Peremptoryfor atty review w/ client

6/24 workup for the 7/3 calendar EDC

*FEASIBILITY?

**To confirm it needs:
$3000 paid to date then $1636 x 54 beg 7/1/24-pro rata with minimum of $63739 due to equity

1. Amur Equipment Finance filed a secured claim #19 for a 2022 Bumper pull trailer in the amount of $775.83 which is not in the plan. Is the debtor going to pay this claim? (MK; OK TO PAY)

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


------------------
RESOLVED ISSUES:
2. NJ Division of Taxation filed an estimated claim #20 which needs to be amended. (amended) mk atty says debor filed returns aso need APOC
- Need November 2023 statements for Wells Fargo accts #2862, #2777 and #7175 (RECEIVED THERE IS $1,539 IN NON EXEMPT EQUITY)
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - non-filing spouse paystubs provided were from early
2023, need current paystubs (RECEIVED MOST RECENT STUBS)
- 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 $62,200 non-exempt equity in business (LANGUAGE ADDED)

Plan proposes: $500 x 60 beginning 1/1/2024, base
Payments: 5/5
Matter ResolvedRequest
Adjourment
1547/3/2024 10:00 am23-21976 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing on Modified PlanContinued
9/4/2024 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0  

9/4 PEREMPTORY

atty spoke to estate executor and debtor stands to inherit 200,000 and getting accounting- needs time

AS OF 6/26/24 (SF)

Note: The proposed payments are not enough to satisfy the plan at 100%. Also, the debtor's income does not support the higher 2nd tier. The debtor must provide an accounting and date when funds will be available for lump sum payment.


--Documents just provided: Decedent did not have a Will so debtor and Decedent's sister are splitting the inheritance but no accounting provided.

1. Is there a pending inheritance? The schedules list the Estate of Ralph Donorovitch. We need a copy of the Will or any accounting showing the value of the Estate. The plan proposes to pay a lump sum payment from the Estate. The debtor's disposable income is insufficient to fund the plan. mk: atty trying to get info)

2. Trustee objection:

- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,237.00 when determining disposable income.

- There is $136,560 in non exempt equity in the residence.


Plan proposes $305 x 12; $1,000 x 48 100% PLAN Lump sum at completion of Estate Administration
Payments: 6/6

RESOLVED ISSUES:

- Need a copy of the homeowner's insurance renewal declaration - . Policy expires 2/9/2024. (RECEIVED)

3/22/24: Consent orders submitted on each of the condo claims: claim 1 . Allowed claim of secured 9,928.12 to be paid thru plan and guc 2,177,83

Order on claim #2 Allows claim of secured 6,106.36 and guc $441 pd thru plan

Note: plan is 100% so unsecured portions to be paid in full

MP FILED AND AMOUNTS IN PLAN DO NOT MATCH CONDO CLAIMS

1. Objection filed by Lakewood/Four Seasons Condo Assoc (McGovern Legal Services) - failure to pay entire secured claim amount of $6106.36 (Claim is bifurcated. How should this claim be paid?) ORDER ENTERED

2. Objection filed by Lakewood/Four Seasons Condo Assoc (McGovern Legal Services) - failure to pay entire secured claim amount of $9928.12 (Claim i
Matter ResolvedRequest
Adjourment
1557/3/2024 10:00 am23-21992 / CMGJonathan Stone, Esq.Order Vacate Dismissal of CaseConfirmedDebtor has made 5 of 7 required payments   Arrears: $46.00  Total Paid In: $12,150.00
add tot erms Tr std order of distribution

6/24 workup edc

$9900 paid then $2296 x 54 beg 7/1/24- 100% due to equity of $89281----Need to file Pre-Confirmation Certification within 7 days of confirmation.---Student loans will be paid outside of the plan.---Trustee will pay claim 18-1 for Oak Hill through the plan---Trustee to pay Santander claim 4-1 through the plan----OTBS with Mapleview to pay claim within 7 days
- Trustee Standard Order of Distribution (added 7/8/24 sf)



*Oak Hill/Access Management filed a late claim for $4573.97-TRUSTEE WILL PAY UNLESS DEBTOR OBJECTS

*Santander filed claim for $1350 for the Kona-TRUSTEE WILL PAY UNLESS DEBTOR OBJECTS

1. Objection filed by Country Living at Mapleview (Giordano, Halleran) - sufficient equity in the property to pay this claim. Debtors are not paying all disposable income into the plan. (OTBS with Mapleview to pay claim within 7 days )

2. Trustee's objection:
- A Modified Plan that completes Part 8. (done)
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 $2,799. (with excessive expenses )
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Debtor must stop the $350 weekly wage garnishment to the insider (brother-in-law.)

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- Need a statement for the debtor's 401k loan. (RECEIVED)
- Amendments to Schedules B/C to list personal property. (AMENDED SCHEDULES FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$895/month for cable/internet/phone
$1,710/month for food
$637/month for medical/dental
Need proof of excessive expenses 10 days prior to confirmation. (RECEIVED)
- Need October and November bank statements for all 3
Matter ResolvedRequest
Adjourment
1567/3/2024 10:00 am24-10107 / CMGCharles M. Izzo, Esq.Order Vacate Dismissal of CaseConfirmedDebtor has made 3 of 6 required payments   Arrears: $137.00  Total Paid In: $1,110.00
AS OF 6/20/2024 (at):

RECOMMEND: $925 PAID TO DATE, $322 X 31 BEGINNING 7/1/2004, 100% PLAN
Claims will be paid according to the trustee's order of distribution.

Trustee's objection:
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $1,807.61.

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- Need updated car insurance prior to confirmation. (RECEIVED)
- Need bank statements for Chase accounts: 0670, 8180, 1111 and 4723. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,505.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- 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)

Plan proposes: $185 x 60 beginning 2/1/2024, base
Payments: 5/5
Matter ResolvedRequest
Adjourment
1577/3/2024 10:00 am24-10151 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $2,750.00
7/224: updated for PTD change and now we are in July


** CAN REC CONFIRM AT $ 2,500 PTD Then $577 x 54 begin 8/1/24 BASE. Student loans outside plan.
Trustee is authorized to pay Carvana/Bridge Crest arrears claim #3-1 in the amount of $184.50 through the plan**



Plan:: $500 X 60; BASE student loans outside plan
5/5

----------RESOLVED--------------
>> CO w/ ST OF NJ SUBMITTED 6/19/24 TO CT: Terms=
ST to pay ST Of NJ Secured:23,600.18 and 1,496.54 unsecured

1. STILL ESTIMATED CLAIMS BY ST OF NJ( secured part of claim)

2. Trustee objection:
-Need a statement for the debtor's retirement loan. Per schedule I,
no deductions on pay stubs. PROVIDED)
- Updated Verified income ( Jan- 3/15/24) leaves monthly disposable income of $665..
- Plan does not specify treatment of Carvana secured claim- OK to
Pay 184.50- added language to pay
-Need December and January bank statements for Police and Fire FCU accounts. PROVIDED


Matter ResolvedRequest
Adjourment
1587/3/2024 10:00 am24-10161 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 6 required payments   Arrears: $0  
Total Paid In: $2,000.00
6/24 workup for the 7/3 calendar edc

CONFIRM AT:
***$1200 PAID THEN $583 X 54 BEG 8/1/24 PRO RATA WITH MIN OF $5233 DUE TO EQUITY

adj 6/5 to resolve tax issues-same as last time-NJ STILL EST FOR 2023 resolved



1. Objection filed by Santander Bank (Brock & Scott) - failure to cure full arrears of $18,871.54 (Per POC) (RESOLVED)

2. Trustee's objection:
- The debtor has insufficient income.
- ST OF NJ filed an estimated claim which needs to be amended. (STILL ESTIMATED)

-------------------
RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - once debtor returns to work from disability. (LANGUAGE ADDED)
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 $5,891 in non-exempt equity in the residence. (LANGUAGE ADDED)
- The attorney's fees in the plan ($4,650) and the disclosure statement ($4,400) do not agree.
One of these must be amended. (DISCLOSURE AMENDED)

Plan proposes: $400 x 60 beginning 2/1/2024, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1597/3/2024 10:00 am24-10163 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 4 of 6 required payments   Arrears: $0  

ISSUES AS OF 6/27/2024 (DM):

***Mortgage company obtained stay relief on 6/5/24. The plan is no longer feasible - RECOMMEND DISMISSAL***

 7/3- CONFIRM OR D
 MFR By Wilmington Sav (HILL WALLACK) scheduled for 6/5/24 (STAY RELIEF GRANTED.)

1) IRS filed $5,380.20 priority claim not treated in the plan that includes estimated taxes for 2023 (UNRESOLVED.)

2) Wilmington Savings (HILL WALLACK) OBJs - failure to cure arrears of $293,293.03 on Stevens Way property (STAY RELIEF GRANTED.)

3) Resurgent Receivables (HLADIK) OBJs to value of cram in the plan. Per creditor, 2019 VW is worth $9,470 (UNRESOLVED.)

4) Plan provides $552 secured treatment to Christiana for a tax sale - no POC filed (STRIKE??)

5) Plan provides $587 secured treatment to Fig Cust for a tax sale - no POC filed (STRIKE??)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need proof of income once debtor returns to work (LANGUAGE ADDED.)
- Need a copy of 2023 tax return by 5/15/24 (LANGUAGE ADDED.)
- Need proof of insurance for the 2019 VW Jetta (RECEIVED.)
- Need proof of service on Resurgent Capital (OKAY - OBJECTION FILED.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $500 x 36, $0 Plan.
PTD 4/5 = $2,000
Last Claim (4-2)
Matter ResolvedRequest
Adjourment
1607/3/2024 10:00 am24-10265 / CMGJoseph Casello, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 6 required payments   Arrears: $1,097.00  Total Paid In: $4,902.00
ISSUES AS OF 6/27/2024 (DM):atty ok to terms(mk)

***If no objection is filed on the Modified Plan, TRUSTEE CAN RECOMMEND CONFIRMATION AT $4,402 PTD, THEN $1,597 x 55 STARTING 7/1/24, 100% PLAN WITH $44,126 THRESHOLD PRESERVED, PRE-CONFIRMATION CERTIFICATION SHALL BE FILED WITHIN 14 DAYS, 2023 TAX RETURNS SHALL BE PROVIDED TO TRUSTEE WITHIN 30 DAYS***

1) AJX Mtg/Wilmington Savings (PLUESE BECKER) OBJs - $61,833.74 arrears on Lakewood Rd property and debtor defaulted on a 2017 Loan Mod (MP DOES NOT PAY ALL ARREARS.)

2) Trustee OBJ:
- Need 2023 tax returns (UNRESOLVED.)
- Need to file Pre-Confirmation Certificate (UNRESOLVED.)
- Per pension loan statement, loan payment of $555 ends in month 11 (PLAN PAYS 100%.)
- Including prorated tax refund, disposable income verifies at $1,049 per month (100% PLAN.)
- There is $39,601 non-exempt equity in real estate and $4,525 in bank acct - $44,126 total (100% PLAN.)


Prop. Plan $500 x 3, $1,451 x 57, 100% Plan.
PTD 5/5 = $4,402
Last Claim (13-1)
Matter ResolvedRequest
Adjourment
1617/3/2024 10:00 am24-10421 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanContinued
8/7/2024 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $696.00  
mk: atty says debtor has opportunity for a new new job- if he gets it can afford higher tier

As of 6/20/24(mk):

3/5 payments. Arrears $1,396. Same as last time. PLAN IS NOT FEASIBLE. DEBTOR DOES NOT HAVE THE INCOME TO PAY CLAIMS IN CASE. income is soc sec and pension. Second tier would need to go up to 2,659

-----------
atty has proof of payments and debtor seeking add'l employment- needs some time to show feasibility

AS of 4/23/24(mk); 1/3 payments ARREARS $1,396

..PLAN IS NOT FEASIBLE. DEBTOR DOES NOT HAVE THE INCOME TO PAY CLAIMS IN CASE and income is social sec and pension

>>no support for higher payment tier that begins 8/1/24. Says debtor will look for 2nd job. Debtor has only made 1/3 payments at the $700 tier>


1. City Of Trenton POC mush higher at $125,910.74
plan has it at $78,783.36. MP pays POC

2. Trustee Obj:
NO CERT OF SERVICE ON PLAN MOTIONS FOR MP #12
- Plan does not specify treatment of New Century Financial secured claim (MP avoids lien and reclassifies as unsecured.)
-pre conf cert

Plan:$700 X 6; $2,421.46 X 54; BASE
3/5 payments
Matter ResolvedRequest
Adjourment
1627/3/2024 10:00 am24-10511 / CMGPaul H. Young, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 6 of 6 required payments   Arrears: $9.00  Total Paid In: $4,710.00
As of 7/2/24 (SF) Updated

RECOMMEND $3925 PTD, $794 X 55 (BEGIN 7/1/24) BASE PLAN; PLUS NONEXEMPT EQUITY FROM SALE OF REAL ESTATE BY 9/30/24
- PENNYMAC LOAN SERVICES TO BE PAID AT SALE
- DEBTOR TO SIGN UP FOR TFS EWAGE WITHIN 14 DAYS


1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $355.79. Debtor must sign up for E-Wage for trustee payments.
- The Trustee has a higher valuation for the real property that would yield non-exempt equity of $23,249. Plan is a sale plan and added terms will be all non-exempt equity from sale of property to be paid to Trustee. MOD PLAN ADDS NE PROCEEDS $23,249 TO TRUSTEE.
- Trustee requires proof that property is listed for sale and any realtors must be retained in the case. MOD PLAN STATES ATTACHED LISTING AGREEMENT, BUT NONE ATTACHED OR PROVIDED.

2. Pennymac (FEIN SUCH KAHN&SHEPARD) OBJ to sale, not providing listing agreement (Not listed on Zillow for sale) and arrears $4,543.45 not paid. C/O ENTERED SALE BY 9/30/24 AND MUST PROVIDE LISTING AGREEMENT BY 5/31/24, CLAIM TO BE PAID AT SALE.

Prop Plan $785 x 60 begin 2/1/24; Base and Sale of Peregrine Way by 6/30/24
Note: AMENDED ATTY DISCLOSURE FILED ADDS ATTORNEY FEES PAID THROUGH PLAN. SERVICE TO MOTIONS OK.

RESOLVED ISSUES:
- Need 2023 tax returns and listing agreement on Peregrine way property. (7/1 amt:tax return rec'd)
5/15/24 (DS): Mod plan filed 5/14/24, CREDITOR EMAILED OBJ RESOLVED SALE BY 9/30/24 AND ARREARS TO BE CURED AT SALE. PER DEBTOR ATTORNEY MARK THIS HEARING AS DENIED PLAN.
- Must provide 2023 tax returns and listing agreement for property. (RECEIVED)
Matter ResolvedRequest
Adjourment
1637/3/2024 10:00 am24-10540 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $782.00  
7/2 : new CMA submitted and tax return 315,150- higher price- Needs review- EDC WILL REVIW FOR 8/21


6/24 Workup for the 7/3 calendar EDC

5/15/24: atty working on New CMA - show repairs and that's why its lower - adj to get appraisal or more in --STILL NEED THIS

As of 5/10/24 (DS): 1. ISSUES THAT REMAIN UNRESOLVED:
- Need 2023 tax return and updated CMA on real property .
- There is non-exempt equity in real property and 2019 GMC $715.
- CMA provided shows property valued between $370k -$452, but only gives a value of $300,909. There is one item (bathroom) reflected in the CMA that requires remediation without an estimate for repair. The value provided for in the CMA is not reflective of the
comparable homes in the area. Thus, there is additional non-exempt equity in the real estate than scheduled for $94,292. MUST PROVIDE UPDATED CMA.
- AmeriCredit (EISENBERG GOLD & AGRAWAL) obj to not on plan. Must resolve obj. COTBS TO BE TREATED OUTSIDE, NO ARREARS OWED.

============================

4/3/24 (DS) 1. 1 PYMT MADE 4/2/24, ARREARS $1,564, MADE 1 OUT OF 3 PYMTS
ATTY PLACING DEBTOR ON TFS. DEBTOR ON EPAY

2. Trustee to obj to the following:
- Need 2023 tax return and updated CMA on real property (Zillow value is much higher, ranges from $370k-$452k, but only gives $300,909.
- Plan does not specify treatment of AmeriCredit (2018 Ram), no arrears owed.
- There is non-exempt equity in real property and 2019 GMC $715.
- CMA provided shows property valued between $370k -$452, but only gives a value of $300,909. There is one item (bathroom) reflected in the CMA that requires remediation without an estimate for repair. The value provided for in the CMA is not reflective of the
comparable homes in the area. Thus, there is additional non-exempt equity in the real estate than scheduled for $94,292. MUST PROVIDE UPDATED CMA.

3. Lakeview Loan (BROCK & SCOTT) obj to arrears owed more, POC filed $4,383.84. Must resolve obj. OTBS TO PAY ARREARS $4,383.84.

4. AmeriCredit
Matter ResolvedRequest
Adjourment
1647/3/2024 10:00 am24-10636 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $2,475.00
7/1 - made a payment of 225 so- updated terms

As of 6/13/24(mk):email to atty-OK TO TERMS

**CAN REC CONFIRM AT $2,250 PTD Then $489x 54 Begin 8/1/24 Base Student loans outside. Trustee is authorized to pay claim 4-1 Santander Consumer USA Inc in the amount of $356.08 through the plan**


-------------------------------
1. Trustee Objection:
-Need January statements for Robinhood and Etrade
accounts.
- need 2023 tax return.


Plan:$450 X 60; BASE student loans outside.
5/5 payments

----------------------------------
1. Plan has Santander as unaffected: POC filed for arrears $356.08 -OK TO PAY? YES PAY
FYI: CO submitted 3/11/24 resolving obj. to conf . by Loan Depot(Brock & Scott) Terms= PAY ARREARS POC #7-1 $12,020.95 thru the plan
-dispos income 800 p/m ( below median but paying 60 mos so ok)
Matter ResolvedRequest
Adjourment
1657/3/2024 10:00 am24-10656 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 6 required payments   Arrears: $0  
Total Paid In: $6,000.00
7/1/24: atty reaching out to creditor again
**CAN CONFIRM AT:
$6000 PAID THEN $1182 X 54 BEG 8/1/24 100% WITH MIN. OF $183.500-

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

The creditor claim is not correct - Cameron needs to reach out to creditor again. We need this to confirm edc DONE

6/25 workup for the 7/3 calendar EDC

5/1/24:mk; atty has emailed creditor atty on #2 and hopes to have it resolved before conf date-CAN CONFIRM IF RESOLVED EDC

** Objection filed by Trystone Capital Assets (Velasquez) - failure to cure full amount of $29,274.69 (Per POC). Plan proposes to pay $22,414. (UNRESOLVED)

** Trustee's objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of
$916.06. (DEBTOR MUST SIGN UP FOR E-WAGE WITHIN 7 DAYS OF CONFIRMATION)

----------------------------------
RESOLVED ISSUES:
1. The IRS filed an estimated claim #7 which needs to be amended. (NO LONGER ESTIMATED)

- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2023 by 5/15/2024. (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - prior to confirmation. (RECEIVED)
- Need 2022 tax return for non filing spouse. (RECEIVED)
- The current Plan does not specify treatment of NJ Department of Labor secured claim under the Plan. (CLAIM WITHDRAWN)
- 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 $183,501 in non exempt equity in the residence. (100% plan ) (LANGUAGE ADDED)

Plan proposes: $1,182 x 60 beginning 2/1/2024, 100% to unsecured creditors

Matter ResolvedRequest
Adjourment
1667/3/2024 10:00 am24-10719 / CMGAlan G. Cosner, Esq.Confirmation Hearing ScheduledContinued
7/17/2024 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $1,050.00  
7/3: needs review US bank got SV but w/d their objection - apparently mtg was discharged in ch 7 so this needs to be reviewd- but SV complicates thing

6/21 Workup for the 7/3 calendar EDC

*MOTION FOR RELIEF ON FOR 7/3-STERN LAV FOR CENLAR MORTGAGE

*OBJECTION TO PLAN BY US BANK-plan does not include any arrears but claim of $7396.57 filed

*PLAN NEED 100% PAYOUT DUE TO EQUITY IN HOME. THE PROPOSED PAYMENT OF $2275 WILL BE ENOUGH TO PAY 100% AND THE FILED CLAIMS ABOVE--IS DEBTOR PAYING THOSE CLAIMS? COULD CONFIRM AT $11025 PAID THEN $2275 X 55 BEG 7/1/24-100% (DUE TO EQUITY OF $322,875)--TRUSTEE WILL PAY THE ARREARAGE CLAIMS OF CENLAR #10-1 AND US BANK #1-1 THROUGH THE PLAN--PRE CONFIRMATION CERTIFICATION TO BE FILED WITHIN 7 DAYS

*TRUSTEE OBJECTION: (WILL BE RESOLVED IF PAYING 100%)
--A current market analysis - for Clark Place property if debtor is on the Deed.
--A copy of the last filed tax return - 2023.
--A copy of the homeowner's insurance renewal declaration - for Clark Place property
if debtor is on the Deed.
-- copy of the deed - for Clark Place property.
--Verified income leaves monthly disposable income of $3,683.
--There is $322,875 in non exempt equity in the residence.
--There is $9,825 in non exempt equity in the business.
--Need to file Pre-Confirmation Certification.

PLAN $2275 X 60 pro rata
Matter ResolvedRequest
Adjourment
1677/3/2024 10:00 am24-10928 / CMGJoseph Albanese, Esq.Confirmation Hearing ScheduledContinued
7/17/2024 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

adj to 7/17 for atty to review 122c issue w/ CPA- case may need briefing

7/2/24( mk): per TR add to term case is above median

**REC CONFIRM AT $13,544 PTD Then 2,600 x 54 Begin 8/1/24 Base w/ MIN $121,693 Due to equity in real and personal property. Must file appl for atty fees 7 days from conf order. Trustee requires Updated Proof of income and tax returns annually due on date of confirmation for each year that the plan runs. Certification from debtor that business operations have been terminated to be submitted /win 14 days.
Claim#15-1 Balboa Capital Corporation will be reclassified to unsecured claim. Consent order to be submitted w/in 21 days. The case is an above median case and plan duration is total of 60 months**

7/1/24( mk): PER AR (atty was told this 6/26 email -need cert from debtor that b'ness operations have been terminated and update POI and tax returns annually on date of conf.



6/24/24: Need update on what atty is doing w/ Balboa Cap and TR rec 2600 going forward to resolve expense issue


6/4/24(mk): per review w/ AR will adj to 7/3- sent atty email outlining what has to be done on Balboa Obj - resolve or file a motion and Tr position on expenses etc.

mk; adj request uploaded- wants 60 days. case is 5 mos old now as of June.

As of 5/28/24(mk):

>>expenses still excessive and none of other issues addressed<<

1. Objection by Wells Fargo (RAS):
-plan has unaffected - arrears $5,668.68-OK TO PAY? mk: PER ATTY YES PAY

2. Secured claim filed by Balboa Capital Corporation- NOT TREATED IN PLAN

3. Trustee Objection:
There is $112,036 in non exempt equity in the residence.
There is $9,657 in non exempt equity in the bank account.
Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan.
Need to file Pre-Confirmation Certification.
- excessive expense items, such as:
$374/month for home maintenance( estimate - and it is not 374 per month)( Per Ar allow $200
$380/month for birthdays/holiday
Matter ResolvedRequest
Adjourment
1687/3/2024 10:00 am24-10977 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 5 required payments   Arrears: $258.00  Total Paid In: $499.00
6/25 workup for the 7/3 calendar EDC
2 payments in arrears--debtor needs to be put on ewage to confirm


***CONFIRM AT:
$499 PAID THEN $258 X 56 BEG 7/1/24- 0%-Debtor to sign up for automatic ewage deductions within 7 days.


*Cannot confirm until we get 2023 tax returns or certification

1. Trustee's objection:
- The debtor has insufficient income disposable income verifies $67. Pending proof of
income requested.
- Need roof of 2 month's income - from Promptcare Support Services after 12/15/23 date
until 2/1/24. (RECEIVED ONLY 2/23 PAY STUB)

-----------------
RESOLVED ISSUES:
- proof of food stamps income. (RECEIVED)

- A copy of the last filed tax return - for 2023. (NOT RECEIVED - LANGUAGE ADDED)
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
Crescent Bank & Trust, proof of claim fild, must serve address on claim. (CERT OF SERVICE FILED WITH CORRECT ADDRESS)
- Must file Pre-confirmation certificate. (FILED)

Plan proposes: $249 x 60 beginning 3/1/2024, $0 to unsecured creditors
Payments: 1/3, arrears $497
Matter ResolvedRequest
Adjourment
1697/3/2024 10:00 am24-11195 / CMGDavid H. Lipow, Esq.Confirmation Hearing ScheduledContinued
7/17/2024 10:00 am
Debtor has made 6 of 5 required payments   Arrears: $0  

AS of 6/20/24(mk):


MFR BY Landlord(MSC MANAGEMENT) 7/3- NEEDS TO BE RESOLVED


1. LL did not file a claim in case. Only unsecured creditors and bar date has passed.

2. According to cert for MFR prep et rent owed was 1,325- NO POC FILED

post pet rent $2,650 water bill $308.09 late fees total198.75

- Need to file pre conf cert.


Plan PTD The $ 360 x 33 Base
5/4 payments
Matter ResolvedRequest
Adjourment
1707/3/2024 10:00 am24-11200 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $0  
Total Paid In: $4,560.00
ISSUES AS OF 6/27/2024 (DM): updated 7/1/24. atty ok to terms(mk)

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $3,420 PTD, THEN $1,132 x 56 STARTING 7/1/24, 100% PLAN WITH $55,534 THRESHOLD PRESERVED, STRIKE SECURED PLAN TREATMENT TO NEPTUNE TAX COLLECTOR***

1) Plan provides secured treatment to Neptune Tax Collector - no POC filed (STRIKE??)

2) Trustee OBJ:
- There is $134,151 non-exempt equity in the residence. As of now ownership interest
needs to be clarified (TRUSTEE REVIEWED CERT & DEED - WITH 16.67% INTEREST, THE NON-EXEMPT PROCEEDS HAS BEEN ADJUSTED TO $55,534.)
- Need a statement for the Prudential Stock account (DOC PROVIDED DOES NOT HAVE A STATEMENT DATE.)

***RESOLVED ISSUES***

A) First Financial FCU (McKenna DuPont) OBJs - plan proposes to pay $6,340.01, but proof of claim is for $6,797.94 (CO SUBMITTED.)

B) If First Financial FCU objection is resolved, then POC (1-1) needs to be amended if the intention is to treat as a secured claim (POC AMENDED.)

C) Trustee OBJ:
- Certification as to debtors' percentage interest in the real property (RECEIVED.)
- Need a copy of the 2023 tax return (RECEIVED.)


Prop. Plan $1,132 x 60, $49,420.82 Min Div.
PTD 3/4 = $3,420
Last Claim (1-2)
Matter ResolvedRequest
Adjourment
1717/3/2024 10:00 am24-11286 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 5 of 5 required payments   Arrears: $0  

AS OF 06/24/24 (SF) MP JUST FILED ON 6/27/28 THIS PLAN CAN BE MARKED WITHDRAWN.

1. Objection filed by Capital One Auto (Regina Cohen) - objects to cram

2. Trustee objection:

- Need Certification regarding voluntary support payments.


Plan proposes $190 x 60 Base
Payments: 4/4



RESOLVED:
- Must file Pre-confirmation certificate. (FILED)
- The debtor has failed to provide proof of service with respect to Plan Motion (s). Capital One Auto (MOOT, OBJ FILED)
- Updated auto insurance if not confirmed by 4/17/24, insurance expires. (RECEIVED)
- A copy of the last filed tax return - for 2023 by 5/31/24. (RECEIVED)
Matter ResolvedRequest
Adjourment
1727/3/2024 10:00 am24-11315 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 3 of 5 required payments   Arrears: $3,595.00  
MP filed on for 8/7-mark this plan as denied edc

6/25 workup for the 7/3 calendar EDC


* Marina Associates t/a Harrah's Casino filed claim #2 for judgment. The claim is bifurcated, need to advise Trustee of treatment of this claim.
* Trustee objection to confirmation
- A copy of the last filed tax return - 2022 and 2023 or Tax Declaration.
- Schedule J includes $400/estimated taxes. Is debtor paying this monthly? Need supporting documentation.
- Schedule J also lists $600/contribution for current residence. What is this expense? There is already a mortgage deduction. Need to explain.

proposed plan $1,675x60 base plan
paid in $0
arrears $3,350
last claim
Matter ResolvedRequest
Adjourment
1737/3/2024 10:00 am24-11350 / CMGEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $795.00  
AS OF 6/26/24 (SF) BELOW ISSUES STILL APPLY

Note: proposed payment will fund plan at 100%. No gucs filed claims. Must resolve all other issues

1. Objection filed by US Bank (Argentieri) - failure to pay arrears of $42,303.42. Creditor listed as unaffected in plan.

2. Attorney Disclosure Statement is blank. Did attorney charge any fees for this case?

3. Trustee objection:

- Need Domestic Support Obligation information for alimony

- Need a copy of the last filed tax return - for 2023.

- Bank statements from Bank of America savings and 2 checking accts #1098 and #5275 for Jan. & Feb. 2024, prior to filing date.

-The debtor(s) plan consists of unnecessary or excessive expense items, such as: Food $500 and Transportation $500.

- Disposable income verifies much higher $2,872.

- There is non-exempt equity in real property $216,743.30 and Bank of America checking
and saving acct (pending statements)

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

- Must file Pre-confirmation certification.



Plan proposes $795.08 x 60 100% Plan
Payments: 3/4 Arrears: $795.08
Matter ResolvedRequest
Adjourment
1747/3/2024 10:00 am24-11359 / CMGKarina Pia Lucid, Esq.Confirmation Hearing on Modified PlanDismissed - Hold FeesDebtor has made 2 of 5 required payments   Arrears: $0  

mk: debtor changed mind on sale- case is really not feasible w/out a sale ARREARS as of 6/10 are $4900-

mk: suggested adj to 7/3 to be sure closing on RE took place and bridge order for motion to extend stay

5/14/24(mk) email from debtor atty; JUST REC'D K TO SELL HOME CASH CLOSE 6/10 WILL FILE APPL TO RETAIN REALTOR AND MOTION TO SELL ASAP


------------- THIS WILL BE MOOT IF SALE CLOSED--------
As of 5/7/24(mk):

>>THE SECOND TIER PAYMENT TO BEGIN 6/1/ 24 WOULD NEED TO BE $5,574 X 57- This is not feasible


**NEEDS TO CONFIRM AT 10,500 PTD THEN $5,574 x 57 begin 6/1/24 100%
Preserve equity T/H in real property of $142,750.
must file a fee application within 7 days of the entry of the order confirming the plan
TR is authorized to pay Americredit arrears claim $246.93 thru plan**


1. Objection by Jean Wisniewski( E. incus):
- has a final J'ment in foreclosure. plan not feasible and insufficient
income.

2. Trustee Objection:
Plan has Ameri Credit on Jetta as unaffected- arrears claim filed for $246.93- OK TO PAY?
- Non exempt equity is $143,750- Plan is 100%



Plan:$3500 X 3; $4900 X 57; 100%
3/3 payments
Matter ResolvedRequest
Adjourment
1757/3/2024 10:00 am24-11412 / CMGBrad J. Sadek, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 5 required payments   Arrears: $0  
Total Paid In: $2,111.00
updated 7/2/2024 (JMA)

ok to confirm at $2,111 paid to date, $551x55 begin 8/1/2024 base plan which includes minimum $20,196 dividend to general unsecured creditors


issues as of 6/20/2024 (JMA)

1) Trustee objection to confirmation -
-TD Retail Card Services - debtor atty needs to advise of treatment of this claim. ATTY ADVISED CLAIM IS BEING PAID OUTSIDE PLAN, NO ARREARS

proposed plan $375x3, $493x57 with minimum $20,196 dividend to gucs
paid in $1,618
last claim 11-1

RESOLVED:

- Proof of 2 month's income - from fiancee, contributing $1,500 - RESOLVED, INCOME VERIFIED AND DEMOSTRATES SUFFICIENT INCOME TO MAKE CONTRIBUTION
- Domestic Support Obligation information for Tessa Jones - RESOLVED, PROVIDED
- A copy of the last filed tax return - for 2023 - RESOLVED, FILED
-- The Plan needs to run 60 months pursuant to the B22C form. - RESOLVED, MODIFIED PLAN PROVIDES 60 MONTH PLAN
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): - 22C Line 18 Life insurance $169.17, Line 19 Court order payment $645, Line 22 Additional healthcare $42, Line 23 take $400 phone service, Line 30 Additional food and clothing $46, pending proof of support payments would leave disposable income on Line 45 $336.60, which would require a minimum dividend to gucs. RESOLVED- MODIFIED PLAN PROVIDES FOR MINIMUM $20,196 DIVIDEND
- The Plan needs to run 60 months pursuant to the B22C form. - RESOLVED, MODIFIED PLAN PROVIDES 60 MONTH PLAN
- TSP Loan balance statements for two loans on pay stubs, prior to filing date. - PROVIDED, ONE LOAN WILL BE PAID 8/20/2027 AND THE OTHER ON 7/1/2028
- The proof of income verifies higher than the schedules - MODIFIED PLAN PROPOSES MINIMUM 420,196 DIVIDEND TO GENERAL UNSECURED CREDITORS
Matter ResolvedRequest
Adjourment
1767/3/2024 10:00 am24-11448 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 5 required payments   Arrears: $28.00  Total Paid In: $4,531.00
AS of 6/20/24(mk):email to atty-OK to terms

**CAN REC CONFIRM AT 3,397.95 PTD The $1,161 x 56 Begin 7/1/24 BASE. Student Loans outside**


----Resolved--------------

amended I & J and expesnes dox submitted
2. Trustee Objection:
-Verified income leaves monthly disposable income of $2,428. Even allowing all expenses. Only 1 pay stub was uploaded for 2024- NEEDS TO PROVIDE UPDATED PAY STUBS.


Plan:$755 X 3; $1160.50 X 57; BASE STD LOANS OUTSIDE
3/4 payments


------RESOLVED-----------------
- Excessive expenses: ALL OK- #19 debtors cert.
$185/month for clothing
$175/month for personal care
$255/month for entertainment
$300/month for student loans OK
Need proof of excessive expenses 10 days prior to
confirmation.
-Need proof of service on One Main Financial(FILED)
-Need to file Pre-Confirmation Certification(FILED)
Matter ResolvedRequest
Adjourment
1777/3/2024 10:00 am24-11484 / CMGCharles M. Izzo, Esq.Confirmation Hearing on Modified PlanContinued
7/17/2024 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $75.00  
7/3 atty says that's return to work income- he's on s disablity

7/2/24:order submitted resolving obj in #1 terms = pay total of 9,375.58 thru plan

ISSUES AS OF 6/27/2024 (DM): updated 7/2/24.

1) Santander (Bill Craig) OBJs - general objection requesting adequate protection and insurance (CO SUBMITTED.)

2) Trustee OBJ:
- Need updated proof of income once debtor returns to work.
- Verified income results in $3,183 monthly disposable income.
- Order of Distribution is not standard.
- Need to file Pre-Confirmation Certification (UNRESOLVED.)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need DSO form (RECEIVED.)
- Need MP that completes Part 8a (MP FILED.)
- Need proof of service on Santander (MOOT - OBJ FILED.)


Prop. Plan $285 x 48, 100% Plan
PTD 4/4 = $1,125
Last Claim (9-1)
Matter ResolvedRequest
Adjourment
1787/3/2024 10:00 am24-11556 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $1,000.00  
As of 6/25/24 (DS): 1. MFR by Berkshire Bank sched 7/17/24. No post-pet payments made since 3/1/24 total owed $26,423.52. Sched J has mortgage expense $7,075.

2. United State of America filed secured judgment claim owed $530,397.63. Claim needs to be paid or move against claim.

3. BELOW ISSUES REMAIN UNRESOLVED.

As of 4/29/24 (DS): Debtor atty requested adjournment to resolve objs

5/1/24 (DS): 1. Trustee obj to the following:
- Income is insufficient, disposable income verifies $-5,444. Debtor must sign up for e-wage within 10 days of confirmation.
- Must provide 2 months proof of income from spouse employment with E-commerce and income affidavit from family members contributing toward expenses.
- Must amend Sched I to add family contribution and amend Sched B and C to add TD America acct has $663.
- Must resolve Berkshire Bank obj.
- Must resolve IRS and State of NJ estimated tax claims.
- Debtor's attorney must file a fee app within 7 days prior to confirming.
- Must file Pre-Confirmation Certification.

2. Berkshire Bank (BROCK & SCOTT) obj to sale and arrears are more. Obj must be resolved.

Prop Plan $1,000 x 60 begin 3/1/24; Base and Sale of Harris Rd by 9/30/24
Note: 2023 tax return provided.
Matter ResolvedRequest
Adjourment
1797/3/2024 10:00 am24-11633 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 6/27/24 (SF)

1. Allaire Condo Association has not filed a claim. Should per plan claim be stricken from plan? Per attorney ok to strike

2. State of NJ Worker's Comp(Pressler) filed secured judgment in the amount $162,013.26 which is not addressed in plan (PLAN IS NOT FEASIBLE) (MOTION FILED TO EXPUNGED SCHEDULED FOR 7/3) Contested

3. When the claim above is expunged there will be nonexempt equity in real estate of $80,777. The plan will require 100% to gucs



Plan proposes $450 x 60 Base w/min $7956 to gucs; LOAN MOD BY 10/31/24
Payments: 4/4


RESOLVED:
- Must provide updated auto insurance, insurance expires 4/5/24. (RECEIVED)
- Amendments to Schedules A/B and C to add 3 Bank of America savings accts#7175,
#6551 and #1042. (Amended)
- Objection filed by Federal Home Loan Mortgage (Carlon) - failure to pay arrears of $86,403.05 and speculative loan mod. (OTBS - Debtor to obtain loan mod by 10/1/24. Trustee to pay arrears pending approval)
- The current Plan does not specify treatment of Chase Bank (2nd mtg) and State of NJ
Workers Comp under the Plan. (TO BE EXPUNGED)
- Need 2 months bank statements from Bank of America savings accts#7175, #6551 and #1042 prior to filing date. (RECEIVED)
- Must file Pre-confirmation certificate. (FILED)

Trustee objection:
- Need valuation on 2016 GMC Acadia. NADA values auto from $10,000 -$15,000. (Debtor used value of $12,775) - ok

Matter ResolvedRequest
Adjourment
1807/3/2024 10:00 am24-11690 / CMGLaurence R. Sheller, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $83.00  Total Paid In: $1,400.00
6/28/24(mk) Updated

NEEDS TO CONFIRM AT $1,050 PTD THEN $433 x 56 Begin 7/1/24 Base Trustee standard order of distribution**


MFR by Longbridge Fin( Greenspoon Marder) on 6/5/24- NEED TO KNOW IF WILL IMPACT PLAN-- WAS WITHDRAWN


1. Objection by Longbridge Financial( Greenspoon Marder);
- plan fails to pay arrears 20,512.50- OK TO PAY? (per atty - yes pay) Consent Order filed Order

Plan: $350 x 60 begin 3/1/24; Base
3/4 payments
Matter ResolvedRequest
Adjourment
1817/3/2024 10:00 am24-11738 / CMGEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $1,157.00
6/24 workup for the 7/3 calendar EDC

7/2/24(mk) atty states has provided all missing docs - needs Tr review- HOWEVER DO NOT SEE CURRENT HOME INSURANCE - WHAT WAS PROVIDED EXPIRED JUNE 11 2024

***PER ATTORNEY OK TO CONFIRM AT:
$1157.40 PAID THEN $1410 X 55 BEG 8/1/24- PRO RATA WITH MIN OF $70,000 TO GUCS PER EQUITY--Trustee will pay attorney fee amount listed in the plan

(DS): Debtor atty requested adj in April and June to allow time to get CMA, Debtor was previously ill.--- BELOW ISSUES REMAIN UNRESOLVED, NO DOCS PROVIDED.

As of 5/31/24 (DS): 1. Cross Country filed arrears claim $748.87.


1. Trustee obj to the following:
- Need CMA with comps for the last 6 months (Trustee used the last 6 months comps provided and there would be more equity), current homeowner insurance with personal liability coverage (insurance provided is binder/application) and 2023 Tax return.
- Excessive expenses on Sched J: $1,055 Health insurance, $525 Car insurance and $728 & $799 car payments. Must provide proof of excessive expenses 10 days prior to confirmation.
- Must provide Certification explaining ownership interest in his father's business.
- There is $38,111 non-exempt equity in residence based on CMA with 39 comps. There is $160,539 non-exempt equity based on Zillow values of $596,000 and using the last 6 months comps there is non-exempt equity $50,302.
- Add to confirming order Trustee standard order of distribution.
- Must file Pre-confirmation certificate.

Prop Plan $231.48 x 60; Base
Matter ResolvedRequest
Adjourment
1827/3/2024 10:00 am24-11804 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $4,000.00  
AS OF 6/28/2024 (at):

1. 341 is scheduled for 8/1/2024.
2. Payments: 4/4


FYI : order submitted resolving obj by M & T bank . Terms= pay arrears POC $6005.94
Matter ResolvedRequest
Adjourment
1837/3/2024 10:00 am24-12114 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 5 required payments   Arrears: $1,451.00  
MP filed and on for 8/7/24

6/28/24 Schedules I and J amended on 6/26 needs to be reviewed


issues as of 6/20/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- A current market analysis - with comparatives sold within 6 months of filing.
- January and February bank statements for Central Jersey FCU savings acct prior to filing date.
- A Modified Plan that steps up payment once pension loan is paid off in March 2026.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): - Disposable income verifies $5,585. Plan pays 100%.
- Per the 22C monthly disposable income is $8,076 which requires a minimum dividend $484,560 to general unsecured creditors.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $4,465 & $1,573 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 $85,506 in non-exempt equity in the residence or more pending CMA.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l).
- Must file Pre-Confirmation Certification.
- Arrears claim filed by Mr. Cooper/Lakeview for $1,317.23.

proposed plan $1,451x60 100%
paid in $4353
arrears $,1,451
last claim 17-1
Matter ResolvedRequest
Adjourment
1847/3/2024 10:00 am24-12254 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,977.00  
adj to 8/21 for mediation and motions

atty sent proof of payments 3967.99

mediation Order was signed and that is next Thursday the 11th

AS OF 6/27/24 (SF) Debtor is paying less than proposed payment. Only 1 of 3 payments received Arrears: $3954 and about to be in arrears $5931 as of 7/1. (7/1 AMT: TFS RECEIPT ATTACHED)

1. Objection filed by Trenton Master LLC (Anthony Giannascoli) - Trenton Master objects to any Plan that contains or attempts to include 320 North Willow Street as property within the scope of the Plan because that property is not an asset of the
bankruptcy estate, as title to that property now rests with Trenton Master pursuant to the Final
Judgment in Foreclosure. (NO CLAIM FILED)

2. Trenton Water Works filed secured claim 3-1 in the amount of $401.77 for Willow Street property which is not addressed in plan. (OK TO PAY?)

3. Trenton Water Works filed secured claim 4-1 in the amount of $3830.97 for N. Willow Street property which is not addressed in plan (OK TO PAY?)

4. Adv. Pro Trial scheduled for 11/15/24 at 3
Debtor v. Trenton Master LLC (Need ratification)

5. Trustee objection:

The Schedules fail to account for the debtor(s) tax refund in the amount of $3,151 when determining disposable income.

- There is $15,293 in non-exempt equity in the Pennington property (100% PLAN.)

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

- Need to file Pre-Confirmation Certification.

- Need result of Adversary complaint filed against Trenton Master, LLC.

- Need Amend Sch. B to add accounts receivable and Certification regarding collectability



Plan proposes $1977 x 60 100% Plan
Payments: 1/3 Arrears $3954
Repeat Filer


Matter ResolvedRequest
Adjourment
1857/3/2024 10:00 am24-12264 / CMGMark N. Glyptis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $5,280.00
As of 7/2/24 (DS): Confirm at $1,320 x 60 begin 4/1/24; 100% with a min. dividend $151,682 to gucs due to non-exempt equity

1. Trustee obj to the following:
- There is $134,132 in non-exempt equity in the residence and $17,550 in the Cadillac total $151,682. Bar date has passed, total unsecured claims filed is $19,795.85

2. Specialized (STEWART LEGAL GRP) obj to arrears owed are more, POC filed arrears $3,846.63. OTBS TO PAY ARREARS

Prop Plan $1,320 x 60 begin 4/1/24; Base
Note: Amended Atty disclosure and amended Sched I & J filed 6/27/24. 2023 Tax return and updated auto insurance provided.
Matter ResolvedRequest
Adjourment
1867/3/2024 10:00 am24-12268 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 4 required payments   Arrears: $481.00  
MP filed and on 8/7

AS OF 7/2/2024 (at):

Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $964.05.
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service on One Main Financial. (CERT OF SERVICE NEEDS TO BE TO THE ATTENTION OF AN OFFICER OR MANAGING AGENT)

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification. (FILED)
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - for debtor's new job (LANGUAGE ADDED -NEED BY 7/31/2024)
- A copy of the last filed tax return - 2023 by 5/15/2024. (NON FILING)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)

Plan proposes: $481 x 60 beginning 4/1/2024, $0 to unsecured creditors
Payments: 2/4, arrears $962
Matter ResolvedRequest
Adjourment
1877/3/2024 10:00 am24-12386 / CMGTamika N. Wyche, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 4 of 4 required payments   Arrears: $0  

MK: 6/27/24: atty filed a W/d Of this plan(doc#4) and has file a MP (#22) CT fixed Hearing date 8/7/24


AS OF 6/28/2024 (at):

RECOMMEND: $2,400 PAID TO DATE, $1,100 x 57 BEGINNING 7/1/2024, BASE
Preserve non exempt equity of $19,832 in real estate.
Preserve non exempt equity of $3,815 in personal property.
(VERIFIED INCOME LEAVES MONTHLY DISPOSABLE INCOME OF $1,548.17)


1. Need a modified plan that checks off box 1e (joint administration). (MOD PLAN FILED)

2. Objection filed by Rocket Mortgage (Brock & Scott) - failure to cure arrears of $2,889.16. (RESOLVED - PAY PER POC)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2023 (RECEIVED)
The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
-there is non-exempt equity in the following: $53,349.92/house; $1,250/household goods;
$1,000/clothing; $1,500/jewelry; $55/WSFS acct; $7.50/American Heritage CU; $2.50/ABCO
acct TOTAL NON-EXEMPT EQUITY $57,164.92 (may change once amended IRS claim is
filed) (THERE IS $19,832 IN NON EXEMPT EQUITY IN THE RESIDENCE NOW THAT IRS AND STATE CLAIMS FILED)
-Rocket Mortgage/Quicken Loans LLC (Brock & Scott) objection to confirmation,
pre-petition arrears $2.889.16 - need to resolve (RESOLVED)
-IRS priority claim estimated for 2023 taxes need amended claim (NO LONGER ESTIMATED)

Modified Plan before confirmation proposes: $800 x 3 beginning 4/1/2024, $718 x 57, not less than $25,449.92 to unsecured creditors
Payments: 3/3

Matter ResolvedRequest
Adjourment
1887/3/2024 10:00 am24-12388 / CMGFrancis P. Cullari, Esq.Confirmation Hearing ScheduledContinued
7/17/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $888.00  
AS OF 6/18/2024 (at):

Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Excess on Line 45 of Form 122c-2 in the amount of $869.12 and requires minimum $52,147.20 dividend to general unsecured creditors (Plan is 100%)
- pre conf cert (NOT FILED)

RESOLVE ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- there is $45,566.47 non-exempt equity in house (LANGUAGE ADDED)
- there is $667 non-exempt equity in guns (LANGUAGE ADDED)
- there is $4,609.91 non-exempt equity in Wells Fargo bank account (Plan is 100%) (LANGUAGE ADDED)

Plan proposes: $1,032 x 60 beginning 4/1/2024, 100% plan
Payments: 2/3, arrears $956
Matter ResolvedRequest
Adjourment
1897/3/2024 10:00 am24-12456 / CMGLaurence R. Sheller, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,400.00
As of 6/25/24 (DS): Atty agrees to terms

Need to confirm at $350 x 4 begin 4/1/24; $459 x 56 begin 8/1/24; 100% to gucs with a min. dividend $99,801 due to non-exempt equity and student loans to be treated outside

As of 5/13/24 (D): Debtor atty requested adjournment to file mod plan to add student loans outside.

5/15/24 (DS): Need to confirm at $700 paid $1,948 x 58 begin 6/1/24; Base with a minimum dividend $99,801 to gucs due to non-exempt equity - ATTY EMAILED DOES NOT CONSENT TO CONFIRM DUE TO CREDITORS LESS, PLAN DOES NOT MARK STUDENT LOANS OUTSIDE, INFORMED ATTY MOD PLAN ON NOTICE WILL NEED TO ADD STUDENT LOANS OUTSIDE.

PER AR DISCUSS FEASIBILITY WITH ATTY - DS EMAILED DEBTOR ATTY

1. Trustee obj to non-exempt equity being $99,801. Plan proposes to pay $350. There is disposable income $1,194.

Prop Plan $350 x 60 begin 4/1/24; Dollar Base $78,000
Matter ResolvedRequest
Adjourment
1907/3/2024 10:00 am24-12474 / CMGRobert G. Swan, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $923.00  Total Paid In: $2,769.00
UPDATED 7/3/2024 (JMA)

OK TO CONFIRM AT $923X60 BEGIN 4/1/2024 BASE PLAN
-One Main Financial Group claim #6 (2017 Mazda CX-5) arrears $557.16 to be paid through plan
-One Main Financial Group claim #7 (2013 Nissan Altima) to be treated as current and outside plan
-PNC consent order pays $7,994.74 to be paid through plan

issues as of 6/20/2024 (JMA)

1) PNC Bank (KML) objection to confirmation - need to resolve
-pre-petition arrears $7,994.74 (mk: order submitted 5/9- pays arrears claim #13)
-plan is not feasible
2) OneMain Financial Group LLC (Weber Gallagher) objection to confirmation - CREDITOR ATTY AGREES TO 2017 MAZDA CX-5 TREATED AS OUTSIDE PLAN, ARREARS $577.16 TO BE PAID THROUGH PLAN, GUC CLAIM PAID PRO RATA WITH GUC POOL
3) OneMain Financial Group filed secured claim for 2013 Nissan Altima - CLAIM TO BE TREATED AS CURRENT AND OUTSIDE PLAN, GUC CLAIM PAID PRO RATA WITH GUC POOL
4) Trustee objection to confirmation - need to resolve
- A current market analysis - with comparatives sold within 6 months of filing. RESOLVED, PROVIDED
- Need a statement for the debtor's 401k loan. RESOLVED, PROVIDED
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $450/month for home maintenance; $500/month for childcare/education; $750/month for clothing; $500/month for medical/dental
- 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 $1,482.31. RESOLVED UPDATED PROOF OF INCOME PROVIDED
- The Schedules fail to account for the debtor(s) tax refund in the amount of $5,588.00 when determining disposable income.
- The current Plan does not specify treatment of PNC Bank, Unison and One Main Financial under the Plan. RESOLVED
- Need PNC Bank statements for account #
Matter ResolvedRequest
Adjourment
1917/3/2024 10:00 am24-12483 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $450.00  
AS OF 6/27/24 (SF) Adj. Peremptory.

atty to address each issue before next hearing

Trustee objection:

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $800/month for childcare - Need proof of expenses 10 days prior to confirmation. (STILL NEED)

- Verified income leaves monthly disposable income of $1,976.

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


Note: Wage order entered

Plan proposes $450 x 60 0%
Payments: 2/3 Arrears: $450

RESOLVED:
- The IRS filed an estimated claim which needs to be amended.(AMENDED)
-$1,800/month for rent (need copy of lease - Received and ok)
-Need January and February bank statements for account 4824 and 1329 based upon direct deposits on pay stubs. (RECEIVED FOR ACCT 1329)
- The debtor has failed to provide proof of service with respect to Plan Motion (s). Need proof of service on Wells Fargo for cram of 2015 Honda Accord. (RECEIVED)
- Need a copy of the last filed tax return - 2023 by 5/15/2024. (RECEIVED)
- Need January and February bank statements for account 4824 based upon direct deposits on pay stubs. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $7,610 when determining disposable income.
- Need to file Pre-Confirmation Certification (FILED)
Matter ResolvedRequest
Adjourment
1927/3/2024 10:00 am24-12527 / CMGSergey Joseph Litvak, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 4 required payments   Arrears: $22.00  Total Paid In: $1,666.00
AS OF 6/26/24 (SF)


RECOMMEND $1160.75 PTD, $527 X 57 (BEGIN 7/1/24) 100% PLAN W/MIN $20,125 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE AND PERSONAL PROPERTY
- OK TO PAY CAPITAL ONE AUTO FINANCE ARREARS CLAIM 14-1
- STUDENT LOANS TO BE PAID OUTSIDE PLAN
- TRUSTEE STANDARD ORDER OF DISTRIBUTION


1. Capital One Auto Finance filed arrears claim 14-1 in the amount of $636.02 (OK TO PAY?)

2. Trustee objection:

- The debtor has failed to file a feasible plan - that propose a tier plan payment $767, when pension loan ends in month 25.

- Need 2 months bank statements (Feb & March) from PNC Bank savings acct.

- Disposable income verifies $1,443.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $4,160 when
determining disposable income.


- There is non-exempt equity in real property $17,278, Wedding ring $2,025, PNC Bank checking acct#8491 $322 and PNC Bank savings acct pending statements.

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



Plan proposes $655.50 x 1; $505.25 x 59 100% Plan
Payments: 2/3 Arrears: $505.25

RESOLVED ISSUES:
- Must file Pre-confirmation certificate. (FILED)

- Amended attorney disclosure to mark off fees will be paid through Plan (FILED)
- The current Plan does not specify treatment of US Dept of HUD under the Plan. (MP FILED)
Matter ResolvedRequest
Adjourment
1937/3/2024 10:00 am24-12592 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 0 of 4 required payments   Arrears: $0  

6/25/24 (sf)

Joseph Petrolino from MAG office requests that this matter be adj to 8/7/24 with an Interim Order to be submitted.


PER MAG OFFICE( B Knapp requests adj to 7/3 as debtro has supplied the docs and made a payment.

MK: MAG is TR for this CMG case -

issues as of 5/3/2024 (JMA)

1) 341 not held, not rescheduled - no documents
2) No Trustee plan payments(0/2)
3# Estimated St Of NJ and IRS Tax claim - needs resolution
Matter ResolvedRequest
Adjourment
1947/3/2024 10:00 am24-12596 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

341 now 7/18/24

AS OF 6/20/24

341 not held due to missing documents - Rescheduled to 7/18
Payments - 3/3

FYI: Lakeview Obj to conf resolved by order submitted 7/1/24- TERMS= Pay claim thru plan

Matter ResolvedRequest
Adjourment
1957/3/2024 10:00 am24-12675 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 1 of 4 required payments   Arrears: $0  

7/1/24: 1/4 payments estimated tax claim No returns 2021-2023

AS OF 7/2/2024 (at):

DEBTOR HAS MADE ONE OF FOUR TRUSTEE PAYMENTS. NO PAYMENTS SINCE 4/12/2024.

1. NJ Division of Taxation filed an estimated claim #5 which needs to be amended. (STILL ESTIMATED)

2. Objection filed by United Teletech Financial FCU (McKenna DuPont) - objecting to cram and value of $7,383 listed in plan. No documentation to support this value has been supplied. (RESOLVED - CREDITOR TO BE PAID $9,570 THROUGH THE PLAN)

3. Trustee's objection:
- The IRS filed an estimated claim which needs to be amended. (NO LONGER ESTIMATED)

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2023 by 5/15/2024. (RECEIVED)
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service on United Teletech Finance FCU for cram of 2013 Jeep Wrangler. (CERT OF SERVICE FILED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $536 x 36 beginning 4/1/2024, $0 to unsecured creditors
Payments: 1/4, arrears $1,608
Matter ResolvedRequest
Adjourment
1967/3/2024 10:00 am24-12780 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,300.00
updated 7/1/2024 (JMA)

ok to confirm at $325x60 begin 4/1/2024 with loan mod by 10/1/2024, minimum $9,200 to gucs
-Trustee ok to pay arrears while loan mod is pending

issues as of 6/20/2024 (JMA)

1) Weichert Financial (KML) objection to confirmation - Order resolving objection - TERMS=LM by 10/1/24. TR authorized to pay arrears pending LM
2) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income Verified income leaves monthly disposable income of -$348.72. Debtor must sign up for e-wage within 7 days of confirmation.
- Need proof of current child support payments.

proposed plan $325X60 MINIMUM $9,200 DIVIDEND TO GENERAL WITH LOAN MOD BY 10/1/2024
paid in $975
last claim 7-1

RESOLVED ISSUES:

- Need to resolve objection by Weichert Financial Services. RESOLVED
- 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 $7,494 in non exempt equity in the residence. RESOLVED - PLAN PROPOSES PAYMENT OF $9,200 MINIMUM DIVIDEND TO GENERAL UNSECURED CREDITORS
- The debtor has failed to supply the Trustee with the following document (s): Domestic Support Obligation information for Karen Mckenna. RESOLVED, DOCUMENTS PROVIDED
- A copy of the last filed tax return - 2023 prior to confirmation. RESOLVED, PROVIDED COPY OF RETURN
- The Schedules fail to account for the debtor(s) tax refund in the amount of $659.00 when determining disposable income. THIS IS FOR THE 2022 RETURN
Matter ResolvedRequest
Adjourment
1977/3/2024 10:00 am24-12852 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 6/26/24 (SF)

1. Objection filed by Provident Funding (Powers) - failure to pay arrears of $29,353

2. State of NJ filed estimated priority claim 3-1

3. Trustee objection:

- Need Proof of 2 month's income for new job

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Food $550 and Clothing $130.

- Disposable income verifies higher.

- There is non-exempt equity in real property, 2005 Chevy Suburban $1,800, 1995 Ford F350
$2,800, 1988 Oldsmobile Bravada $1,600, Rutgers FCU accts #0000 $945, #9300 $5 and #3000 $3,900.

- Must file app within 7 days from confirming.

- Must file Pre-confirmation certificate


Plan proposes $850 x 60 100% Plan
Payments: 3/3

RESOLVED:
- Auto insurance for 1988 Oldsmobile.
- IRS filed estimated unsecured claim 1-3 (AMENDED)
Matter ResolvedRequest
Adjourment
1987/3/2024 10:00 am24-12860 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $3,000.00
As of 6/10/24(mk):

**CAN REC CONFIRM AT $750 X 26 BEGIN 4/1/24 THEN $1460 X 20 BEGIN 6/1/26 100% . Preserve Equity T/H Of $43,860 in Real Property. Trustee shall pay TD Retail Card services, Claim #3-1 a secured claim in the amount of $1,338. The unsecured portion in the amount of $571,91 shall be paid pro rata with other gucs pursuant to the terms of confirmation. Plan shortened to 46 mos **



--------------RESOLVED---------------------------

1.. Trustee Objection:
- Plan needs to run 60 months pursuant to the B22C form( if plan can be completed at 100% in shorter time frame that is fine - need claims bar date to pass for final work up
- NE equity now 43,860 - PLan 100%

Plan: $750 X 26; $1460 X 24; 100%
3/3 payments


- excess expenses allowed as long as case remains 100%
- CO resolving obj to conf. by Rocket Mtg( Brock & Scott) submitted TERMS= PAY POC #4 ARREARS $1,324.14

TD RETAIL filed(#3-1) BIFURCATED CLAIM - Secured $1,338 and unsecured 571.91- NO ARREARS- NEED TO KNOW TREATMENT SO CAN ADD TERMS TO CONFIRMATION - per atty ok to pay
Matter ResolvedRequest
Adjourment
1997/3/2024 10:00 am24-12894 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 6/20/2024 (at):

RECOMMEND: $1,500 PAID TO DATE, $1,000 X 10 BEGINNING 7/1/2024, $1,809 X 47 BEGINNING 5/1/2025, 100% PLAN
Preserve non exempt equity of $14,339 in real estate.
Preserve non exempt equity of $1,812 in personal property.

Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- Domestic Support Obligation information (RECEIVED)
- A copy of the last filed tax return - 2023 (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - policy provided does notinclude property address (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 $14,339 non-exempt equity in the former marital residence (LANGUAGE ADDED)
-There is $1,812 non-exempt equity in the Jeep (LANGUAGE ADDED)
TOTAL NON-EXEMPT EQUITY $16,151
-Need to provide statement for the Central Jersey Police and Fire FCU account for the
months of March, February and January 2024 (RECEIVED)

VERIFIED INCOME LEAVES MONTHLY DISPOSABLE INCOME OF $1,972.

Plan proposes: $500 x 13 beginning 4/1/2024, $1,434 x 47, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
2007/3/2024 10:00 am24-12901 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $675.00  
7/1/24 (sf) Adj. peremptory


As of 6/26/24 (DS): 1. BELOW ISSUES REMAIN UNRESOLVED. ALSO DEBTOR HAS NOT PAID JUNE AND SOON JULY PAYMENT.

As of 6/4/24 (DS): Debtor atty requested adj to resolve obj

6/5/24 (DS): 1. No Trustee payments made, Debtor in arrears $925, made 0 out of 2 payments, soon to be 3 pymts. ATTY PROVIDED PROOF OF 2 TFS PAYMENTS $250 AND $675 TO BE PAID 6/4/24

2. Trustee obj to the following:
- Disposable income verifies $924.21.
- Must provide February and March bank statements for TD accounts #8412 and #8587.
- Must resolve NJ Division of Taxation estimated tax claim which needs to be moved against or amended. 2017 - 2021 and 2023 tax returns not filed. AMENDED, BUT STILL ESTIMATED, DUE TO 2017-2021 TAX RETURNS NOT FILED.
- Must file attorney fee application within 7 days of the entry of the order confirming the plan.

3. Ally Capital filed arrears claim with full amount $35,797.57, plan only has arrears $2,559. Must move against the claim or amend claim with amount owed.

Prop Plan $250 x 1 begin 4/1/24; $675 x 35 begin 5/1/24; Base
Note: Updated auto insurance provided.
Matter ResolvedRequest
Adjourment
2017/3/2024 10:00 am24-13241 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanContinued
8/7/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $465.00  
issues as of 6/20/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- A Modified Plan that removes Cenlar mortgage claim to pay arrears on Part 4a, if paying claim in full on Part 4g. NOT FILED

- Amendments to Schedules A/B and C to add checking and savings bank accts with no name on statements acct#710723-checking and acct#704538-savings AMENDED SCHEDULES FILED, STATEMENTS HAVE NOT BEEN PROVIDED TO THE TRUSTEE. PER CERTIFICATION THE SANTANDER ACCOUNT WAS CLOSED 1/31/2024. THE FINANCIAL RESOURCES FCU ACCOUNTS ARE ACTIVE.

- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is non-exempt equity in real property of $26,890, 2021 Jeep of $8,050, Bank checking acct ending#0723 of $1,213, Bank savings acct#4538 of $3,113 and pending bank statements from Santander checking acct. TOTAL NON-EXEMPT EQUITY IS $39,266

- Must provide auto insurance for 2008 Honda Civic - NOT PROVIDED TO DATE

proposed plan $19,722.90x2, $238.21x58 base plan
paid in $476.04
arrears $38,969.76
last claim 6-1

RESOLVED ISSUES:

- Must file Pre-confirmation certification. RESOLVED, FILED
- Bank statements from Santander checking acct for Feb. and March 2024. CERTIFICATION OF DEBTOR STATING THIS ACCOUNT WAS CLOSED ON 1/31/2024
Matter ResolvedRequest
Adjourment
2027/3/2024 10:00 am24-13357 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $2,000.00  
As of 6/26/24 (DS): 1. BELOW ISSUES REMAIN UNRESOLVED.

As of 6/3/24 (DS): Debtor atty requested adj to wait pass bar date.

6/5/24 (DS): 1. Trustee obj to the following:
- Need 2023 Tax return.
CMA with comparatives sold within 6 months of filing (PROVIDED, BUT ONLY 2 SOLD RECENTLY AND OTHERS ARE LISTINGS).
- Need a mod plan that proposes EITHER a loan mod or a sale. Cannot propose both.
- Disposable income verifies $3,687.
- 22C Line #34 should be $0 as this is a loan modification or sale plan. Per 22C monthly disposable income is $5,461 which requires min. dividend $327,660 to gucs.
- Must resolve the creditors objections.

2. Capital One Auto (LAVIN, CEDRONE, GRAVER, BOYD & DISIPIO) obj to cram, value of 2022 Hyundai Palisade is $34,525 on NADA. Bifurcated claim filed secured $34,525 secured and unsecured $2,156.11. Obj must be resolved.

3. US Bank (ROBERTSON ANSCHUTZ SCHNEID CRANE & PARTNER) obj to arrears owed are much more, no POC filed, creditor also obj to loan mod when there has been no offer and sale as being speculative. Obj must be resolved.

Prop Plan $2,000 x 6 begin 5/1/24; $8,255.79 x 54; Base and Loan Mod on Concord Circle by 10/2024 or Sale by 1/2025
Note: 401(k) loan statements provided and end in months Co-D 17 ($71), Co-D 18 ($70) and Debtor 23 ($1,599). Plan propose tier plan. Service not need obj filed by Capital One Auto.
Matter ResolvedRequest
Adjourment
2037/3/2024 10:00 am24-13404 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 2 of 3 required payments   Arrears: $767.00  
issues as of 6/20/2024 (JMA) MP JUST FILED ON 6/26 AND SCHEDULED FOR 8/6/24. THIS PLAN IS MARKED WITHDRAWN

1) Brandon Farms Condominium Association (Stark & Stark) objection to confirmation - need to resolve
- Debtor's plan proposes to strip creditor's liens
- Debtor's valuation is inaccurate
2) Brandon Farms Condo Association claim is bifurcated. Need to advise of treatment of the unsecured portion of filed claim.
3) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income Verified income leaves monthly disposable income of $400.91. Debtor must sign up for e-wage within 10 days of confirmation.
- Need to file Pre-Confirmation Certification
4) Filed claims are higher than amounts scheduled in plan

proposed plan $527x60 base plan
paid in $1322
last claim 5-1

RESOLVED ISSUES:

- The debtor has failed to provide proof of service with respect to Plan Motion (s) - RESOLVED
- Need proof of service on Brandon Farms Condo Association - RESOLVED, FILED
Matter ResolvedRequest
Adjourment
2047/3/2024 10:00 am24-13442 / CMGBrian L. Hoffman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $2,137.00  Total Paid In: $3,656.00
AS OF 6/24/2024 (at):

RECOMMEND: $3,656 PAID TO DATE, $2,137 X 58 BEGINNING 7/1/2024, BASE
Preserve non exempt equity of $113,198 in real property.

1. Objection filed by Loan Depot (Frenkel Lambert) - failure to cure arrears of $1,509.54 (Per POC)(RESOLVED - PAY PER POC)

2. Trustee's objection:
RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification. (FILED)
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - Policy provided
expires 4/24/2024. (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 $113,198 in non exempt equity in the real estate. (LANGUAGE ADDED)

Plan proposes: $1,828 x 60 beginning 5/1/2024, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
2057/3/2024 10:00 am24-13445 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $4,020.00
AS OF7/3/24 (SF) Updated

RECOMMEND $4,020 PTD, $1403 X 45 (BEGIN 8/1/24) 100% PLAN W/MIN $2231 TO GUCS PER NONEXEMPT EQUITY IN PERSONAL PROPERTY
- MUST FILE PRE-CONFIRMATION CERT WITHIN 14 DAYS
- ATTY MUST FILE FEE APPLICATON FOR HOURLY FEES WITHIN 7 DAYS OF ENTERED CONFIRMATON ORDER


Trustee objection:

The debtor has failed to supply the Trustee with the following document (s):

- Need statements for the Robinhood account and the Acorn account. (7/3 AMT: RECEVEID)
There is nonexempt equity of $2230.87 in Acorn account. Per there is no Robinhood Account

- Verified income leaves monthly disposable income of $3,838.52. (RECOMMEND 48 MONTHS)
Plan is 100%
Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan.

- Need to file Pre-Confirmation Certification.


Plan proposes $1340 x 60 100% Plan
Payments: 3/3

Matter ResolvedRequest
Adjourment
2067/3/2024 10:00 am24-13497 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $525.00
As of 6/26/24 (DS):
IF OBJ RESOLVED WITH CREDITOR TO PAY CLAIM (otbs ok to pay claim)

, NEED TO CONFIRM AT $175 X 3 BEGIN 5/1/24; $357 X 57 BEGIN 8/1/24; 100% WITH A MIN. DIV. $131,747 TO GUCS DUE TO NON-EXEMPT EQUITY;
- CLAIM#1-1 US DEPT OF HUD TO BE TREATED OUTSIDE, NO ARREARS OWED.
- CLAIM#2-1 SOCIETY HILL NORTH CONDO ASSOC. TO BE PAID PER CLAIM, SECURED $13,289.65 AND UNSECURED $697.69 PAID 100% UNSECURED.
- CLAIM#6-1 MIDFIRST BANK ARREARS $3,664.30 TO BE PAID.
- STUDENT LOANS TO BE TREATED OUTSIDE.
- TRUSTEE STANDARD ORDER OF DISTRIBUTION.
- WITHIN 7 DAYS MUST FILE PRE-CONFIRMATION CERTIFICATION.

As of 6/3/24 (DS): Debtor atty requested adj to resolve objs and tax claims, but no tax claims filed and plan does not propose to pay tax claims

6/5/24 (DS): 1. Trustee obj to the following:
- Current plan does not specify treatment of Society Hill North Condo Association and US Dept of HUD.
- There is non-exempt equity in real property $131,747. Plan pays 100%.
- Must resolve the bifurcated claim filed by Society Hill North Condo Assoc. Secured $13,289.65 and unsecured $697.69. Is Trustee to pay per claim filed, since case is 100%?
- Add to confirming order Trustee standard order of distribution.
- Must file Pre-confirmation certification.
- Must resolve the creditors objections.

2. Society Hill North Condo Assoc. (MCGOVERN LEGAL SRVS) obj to not in plan, bifurcated claim filed, arrears $13,289.65 secured and unsecured $697.69. Must resolve creditor obj and claim.

3. MidFirst Bank (GROSS POLOWY) obj mortgage arrears owed are more, POC filed with arrears $3,664.30.

Prop Plan $175 x 60 begin 5/1/24; 100%
Matter ResolvedRequest
Adjourment
2077/3/2024 10:00 am24-13586 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $450.00
7/1/24(mk):UPDATED-email to atty-ok to terms

**CAN REC CONFIRM AT $450 PTD THEN $185 x 46 Begin 8/1/24 PLUS 4 ADDITIONAL LUMP SUM PAYMENTS TO BE MADE AS FOLLOWS: $6,882 X 1 BEGIN 3/1/25 THEN $6,882 X 1 BEGIN 7/1/25 THEN $6,882 X 1 BEGIN 10/1/25 THEN $6,882 x 1 BEGIN 12/2/25.

Preserve equity T/H of $75,928 in real and personal property.

TR is authorized to pay IRS claim #5-1 for arrears in the amount of $707 through the plan.

TR is authorized to pay ST Of NJ Claim #12-1 for arrears in the amount of $219 through the plan.
TR is authorized to pay BARNEGAT TOWNSHIP claim 10-1 in the amount of $927.80 through the plan.

Distribution is per plan***






6/21/24(mk): Total plan funding needed is $36,445. The PPSD plan payments only total $34,728- email to atty: short 1,717 so for first tier need $188 x 46 then the 4 payments lump sum 6,882

------
6/3/24(mk) as of now PPSD plan funding does not cover T/h so needs to adj to 7/3 to get past bar date and see where we are

recovery from wrongful death case from Estate of Father of debtor's mal practice settlement. - distribution to 3 siblings for total 48,000 each in monthly distributions begin Jan 2025. all non exempt

As of 5/30/24(mk): PLAN IS 100 % AND BAR DATE IS 6/17- SHOULD BE ADJ TO AFTER THAT

341 held today

1. Objection by Rocket Mortgage(Brock & Scott):
- plan treats creditor as unaffected and there are arrears of $1,928.14. (Order submitted 6/4- pay claim)

2. Tax claims filed by IRS ($707)and St of NJ($219)- not in plan - OK TO PAY?

3. BARNEGAT TOWNSHIP filed a claim for $927.80 for water/sewer- NOT IN PLAN- OK TO PAY? Per atty- yes pay

4. Trustee objection:
-need Robinhood statements for January, February and
March 2024
- need 2023 tax return
-There is non-exempt equity in the amount of
$25,602.51 in the debtor's home
-There is non-exempt equity in the amount of $2,326 in
the 2019 Jeep
-Settlement information for the lawsuit. distributions begin Jan. 2025 debtor to receive 48,000 t
Matter ResolvedRequest
Adjourment
2087/3/2024 10:00 am24-13710 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
7/17/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS of 7/2/24(mk)

341 was 6/27

1. Objection By Nationstar: Friedman V):
plan fails to pay arrears

2. Obj. By United asset Mangement(Hladik) - -plan fails to pay arrears

3.Limited Obj.by Global Lending(Stewart legal):
-Plan fails to treat claim- arrears 3,676.96

4. Trustee Objection:
There is $230,975 in non-exempt equity in the residence (100% Plan.)


Plan:$424 X 60; 100%
3/3 payments
Matter ResolvedRequest
Adjourment
2097/3/2024 10:00 am24-13712 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $225.00  Total Paid In: $450.00
AS OF 6/20/2024 (at):

RECOMMEND: $225 x 36 BEGINNING 5/1/2024, BASE
Debtor must sign up for e-wage within 10 days of confirmation.

Trustee's objection:
The debtor has insufficient income Verified income leaves monthly disposable income of
-$165.96. Debtor must sign up for e-wage within 10 days of confirmation.

Plan proposes: $225 x 36 beginning 5/1/2024, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
2107/3/2024 10:00 am24-13761 / CMGWarren S. Jones, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

As of 6/24/24 (DS): Debtor atty req adj to allow time to file mod plan
Matter ResolvedRequest
Adjourment
2117/3/2024 10:00 am24-13777 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $600.00
AS OF 6/27/24 (SF) UPDATED

RECOMMEND $200 X 35 (BEGIN 5/1/24); $50,000 X 1 (BEGIN 4/1/27) 100% PLAN W/MIN $81,832 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE
- DEBTOR TO PROVIDE STATUS OF 911 FUND CLAIM BY 6/30/25


Trustee objection:

- Need status of the 9/11 fund claim. (This funding is speculative. Debtor submitted a claim on 9/20/23. Review of this claim takes between 18 and 24 months to complete) Needs Trustee review
(PER AR DEBTOR TO PROVIDE STATUS OF CLAIM BY 6/30/25)

- There is $81,832 in non-exempt equity in the residence (100% Plan.)



Plan proposes $200 x 35; $50,000 x 1 100% plan
Payments: 2/2

RESOLVED:
- Need to file Pre-Confirmation Certification. (FILED)
- Need updated car insurance prior to confirmation. Policy expires 6/1/24. (RECEIVED)



Matter ResolvedRequest
Adjourment
2127/3/2024 10:00 am24-13819 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $0  
Total Paid In: $1,534.00
As Of 7/1/24(mk):updated-email to atty-OK to terms

**CAN REC CONFIRM AT $1,534 THEN $1,328 X 57 BEGIN 8/1/24 BASE W/ MIN TO GUCS OF $61,392 Due To equity in real Property.
Plan extended to total 60 mos **

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

1. Trustee objection:
- equity in real property is $61,392
- amended A B & C filed in May has - 100% debtors on A ownership of prop


Plan: $767 x 48 begin 5/1/24; Dollar Base $14,789.64
2/3 payments



------------------RESOLVED------------
- IRS set claim- APOC FILED
- Must resolve ST OF NJ estimated tax claim #12-1. No return for 2023- and they are NOT IN PLAN. APOC FILED

FYI: order submitted resolving obj of Penny mac loan. ( 1st MTG)- no claim filed yet Terms =
Debtor(s) shall address any claim of pre-petition arrears by Secured Creditor through a loan modification obtained no later than 60 days of the date of confirmation.
Matter ResolvedRequest
Adjourment
2137/3/2024 10:00 am24-13821 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
2147/3/2024 10:00 am24-13824 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 6/26/2024 (at):

1. 341 is scheduled for 7/18/2024.
2. Payments: 2/2
Matter ResolvedRequest
Adjourment
2157/3/2024 10:00 am24-13830 / CMGAvram D. White, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $700.00  
mk; 6/29 - atty sent proof of TFS payment for 1400- see if posts- PAYMENT POSTED

341 ADJ REQUEST WAS DENIED:STILL MUST HAVE: DR SOC SECURITY ID, WET SIGN PAGE 6 ............ , DR POI 60 DAYS FROM APR/MAY 2024, SP POI 60 DAYS FROM APR/MAY 2024, ***MUST HAVE THESE ASAP


Matter ResolvedRequest
Adjourment
2167/3/2024 10:00 am24-13849 / CMGRobert Manchel, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 2 of 3 required payments   Arrears: $341.00  
MP FILE 7/2- W/ NOTICE

As of 6/25/24 (DS): 1. Trustee obj to the following:
- The case is a Joint case and the plan filed fails to check off the box for joint administration in Part 1e. This plan needs to be withdrawn and a new plan filed checking off that box for Joint administration.
- Must file Pre-confirmation certification.
- Resolve UMB Bank obj.

2. UMB Bank (MCCALLA RAYMER LEIBERT PIERCE) obj to arrears owed, POC filed arrears $7,640.68.

3. Bridgeton Onized FCU (2007 Ford Mustang) filed claim and Toyota Motor (2019 Ford Mustang) filed claim, Plan has Mazda for Mustang (auto).

Prop Plan $341 x 60 begin 5/1/24; Base
Matter ResolvedRequest
Adjourment
2177/3/2024 10:00 am24-13895 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $2,184.00
AS OF 6/27/24 (SF) UPDATED

RECOMMEND $728 X 48 (BEGIN 5/1/24) 100% PLAN W/MIN $69,566 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE
- US DEPT OF HUD CLAIM 1-1 TO BE PAID OUTSIDE PLAN


Trustee objection:

- The debtor has insufficient income income verifies lower than scheduled.
- There is $69,565.95 non exempt equity in house


Plan proposes $728 x 48 100% Plan
Payments: 2/2



Per atty, HUD claim should be provided for in the plan as unaffected
Matter ResolvedRequest
Adjourment
2187/3/2024 10:00 am24-13897 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $975.00
AS of 6/28/24(mk):email to atty-OK to terms


**CAN REC CONFIRM AT $650 PTD Then $325 x34 Begin 7/1/24 100%.LM by 10/17/24. TR is not authorized to pay arrears pending LM
Preserve equity T/H of $31,825 in real property.
Strike plan provision for balloon payment at end of plan**

-----RESOLVED----------------------------

1. Objection by US Bank (Parker McKay):
- objects to LM treatment RESOLVED =LM BY 1017/24 and delete reference to balloon payment at the end in plan to clarified mtg arrears being paid by LM by 10/17/24

2. Trustee Objection:
-There is $31,825 in non exempt equity in the residence.
-debtor has insufficient income must sign up for TFS
-Plan proposes a lump sum payment of $150,000 in month - ATTY SAYS NOW Striking that LM
-How did he come up with $1,675/month for debtor
income when P&L shows Jan - March net of $1421?

Plan:$325 X 35; $150,000 X 1; LM 12/31/24 (678 CARROLL FOX); 100%
2/2
Matter ResolvedRequest
Adjourment
2197/3/2024 10:00 am24-13900 / CMGThomas G. Egner, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 6/24/2024 (at):

Trustee's objection:
- The current Plan does not specify treatment of IRS $309.97 under the Plan.
- Must resolve State of NJ estimated tax claim. (STILL ESTIMATED)
- Must file Pre-confirmation certification. (NOT FILED)

Plan proposes: $450 x 60 beginning 5/1/2024, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
2207/3/2024 10:00 am24-13907 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,000.00  
As of 6/26/24 (DS): 341 sched 6/27/24

1. Debtor has not made June payment.

Prop Plan $1,000 x 60 begin 5/1/204; 100%
Matter ResolvedRequest
Adjourment
2217/3/2024 10:00 am24-13922 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,934.00  
AS OF 6/24/24 (SF)

1. State of NJ filed estimated priority claim 8-1 (NEED AMENDED CLAIM)

2. IRS filed estimated priority claim 2-1 (NEED AMENDED CLAIM)

3. Lincoln Automotive Financial has not filed a claim. Bar date is 6/26/24. If no claim is filed should per plan amount be stricken?

4. Trustee objection:

-Excessive expenses on Schedule J: $1,290/transportation; $940/husband monthly credit card/personal loan payments - need supporting documentation for both. These are all
allowed as long as the case remains 100%.

- there is $7391.00 non-exempt equity in house - OK 100% PLAN


Plan proposes $1934 x 60 100% Plan, Student loans outside
Payments: 1.5/2 Arrears: $967


RESOLVED:
- must file pre conf cert (FILED)
Matter ResolvedRequest
Adjourment
2227/3/2024 10:00 am24-13932 / CMGNovlet M. Lawrence, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 3 required payments   Arrears: $0  

this hearing is for plan #9- SINCE THEN NEW PLAN#17 WAS FILED ON 6/5/24 AND HEARING DATE 7/17/24
Matter ResolvedRequest
Adjourment
2237/3/2024 10:00 am24-13954 / CMGScott E. Kaplan, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 6/28/2024 (at):

RECEIVED PROOF OF $843 PAYMENT MADE BY TFS ON 6/28/2024.

1. 341 is scheduled for 7/25/2024.
2. Payments: 0/2, arrears $562
Matter ResolvedRequest
Adjourment
2247/3/2024 10:00 am24-13980 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

As of 6/28/24 (at):

1. Objection filed by Freedom Mortgage (Brock & Scott) - failure to cure full arrears of $42,206.74 (Per POC) (UNRESOLVED)

2. Trustee's objection:
- The debtor has insufficient income pending proof of income, disposable income verifies
-$525.
- The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - from part time employment with Adult Care, P &L is not
proof, since this is not a business, plus does not agree with Sched I $500, has $400. (NOT RECEIVED)
- Recent proof of support payments for alimony, document provided is from 8/30/23. (NOT RECEIVED)
- Must provide property settlement agreement. (NOT RECEIVED)
-The debtor needs to provide proof of income from her new job with Paramount
Mortgage along with amended schedules. (NOT RECEIVED)
- Must file Pre-confirmation certification. (NOT FILED)

RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,719 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in real property $212,784, TD Bank acct#3725 $3,008 and TD Bank acct#5023 $394 total $216,186. (LANGUAGE ADDED)

Plan proposes: $568 x 60 beginning 5/1/2024, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
2257/3/2024 10:00 am24-13993 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 6/26/24 (SF)


1. 341 NOT HELD DUE TO MISSING DOCUMENTS
2. PAYMENTS: 2/2

NEEDS TAX REURNS FOR 341
Matter ResolvedRequest
Adjourment
2267/3/2024 10:00 am24-13996 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,038.00  
AS of 6/25/24(mk):

1. Objection by Fed'L Home Loan( RAS)
- debtor does not have income to fund the plan;
debtor proposes lump sum payment to secured creditor outside plan towards pre -petition arrears.

2. Trustee objection:
- plan funding speculative

Plan:$1038 X 60; $0 plan funding includes:Lump sum payment gift of: (1) $30,000.00 from debtor's mother and (2) $50,000.00 from debtor's fiancee's parents within 30 days following confirmation, payable directly to Select Portfolio Servicing, Inc. to be credited towards arrears; with the balance cured through this Plan
2/2 payments
Matter ResolvedRequest
Adjourment
2277/3/2024 10:00 am24-14024 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $500.00  
AS OF 6/24/2024 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2023 prior to confirmation. (NOT RECEIVED)
- Need updated car insurance prior to confirmation. Policy provided expires on
6/21/24. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$500/month for child care
$645.59/month for health insurance
Need proof of expenses 10 days prior to confirmation.
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $2,240.

RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $5,746 when determining disposable income. (AVERAGED/ADDED TO 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 $197,265 in non exempt equity in the residence. (LANGUAGE ADDED)

Plan proposes: $500 x 60 beginning 5/1/2024, not less than $26,000 to unsecured creditors
Payments: 2/2
Matter ResolvedRequest
Adjourment
2287/3/2024 10:00 am24-14033 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 3 required payments   Arrears: $0  

As of 7/2/24 (DS): MOD PLAN FILED 6/26/24

1. Trustee obj to the following:
- The case is a Joint case and the plan filed at #2 fails to check off the box for joint administration in part 1e. This plan needs to be withdrawn and a new plan filed checking off that box for Joint administration. MOD PLAN FILED 6/26/24 MARKS OFF PART 1E.
- 401(k) loan statements provided 1 loan $90 ends in month 7 and other loan $171 ends in month 12.
- 22C disposable income is $914 which requires a min. dividend $54,840 to gucs.
- Excessive expenses: $650 Utilities, $605 Cable/internet/phone, $1,300 Food for two and $400 Entertainment.
- There is $37,203 non-exempt equity in the residence.
- Must file Pre-confirmation certification.
- Must file fee app within 7 days from confirmation order.

2. Westlake (2012 Hyundai) filed arrears claim $30.

Prop Plan $550 x 60 begin 5/1/24; 100%
Matter ResolvedRequest
Adjourment
2297/3/2024 10:00 am24-14035 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $6,345.00
AS OF 7/2/24 (SF) Updated

RECOMMEND $2115 X 60 (BEGIN 5/1/24); 100% PLAN
- ATTY TO FILE FEE APPLICATON FOR HOURLY FEES WITHIN 7 DAYS OF ENTERED CONFIRMATION ORDER
- FILE PRE-CONFIRMATION CERT WITHIN 14 DAYS



1. Trustee objection:

- Verified income leaves monthly disposable income of $3,631.96.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $195.00 when determining disposable income.

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

Need to file Pre-Confirmation Certification.

Plan proposes $2115 x 60 Base
Payments: 2/2

RESOLVED ISSUES:
- Need a copy of the homeowner's insurance renewal declaration - prior to confirmation.
Policy provided expires on 6/20/24. (RECEIVED)
Matter ResolvedRequest
Adjourment
2307/3/2024 10:00 am24-14041 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,323.00  
debtor made anotehr payment and all 341 docs in

AS OF 7/2/2024 (at):

1. 341 has not been held or rescheduled.
2. Payments: 1/3, arrears $2,646
Matter ResolvedRequest
Adjourment
2317/3/2024 10:00 am24-14047 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
9/4/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,000.00  
As of 6/28/24(mk):

>>sale motion filed for 8/7/24- sale k is for $490,000- that won't pay all claims at 100%<<

1. Estimated IRS claim - no returns for 2021 and 2022

2. Estimated St of NJ Claim- no returns for 2020,21 and 22.

3. Objection by US BANK( Stern LAV):
- sale plan 6 mos form conf. - too long

4. Objection BY Kings Landing Condo(J. Casello):
- plan fails to provide for full payment of claim

5. Trustee Objection:
-need Valuation statement from Allstate Life insurance,
prior to filing date and information on interest of father's
estate
-Need Will and Accounting from father's esate
- non-exempt equity in real property $44,337, 2014
Jeep $9,353, Santander Bank
acct $1,183 (as of date of filing, the acct had
$2,583.63 half interest is $1,291.82 deduct
exemption $108.03), Allstate Life insurance (pending
statement) and interest in father's
estate (pending proof).
- Add to confirming order to provide non-exempt
proceeds from sale to Trustee and
non-exempt proceeds from Debtor's interest in
father's estate.
- must file pre conf cert.

Plan: $1,000 x 36 begin 5/1/24; 100% and Sale of Kennedy Ct 6 months after conf
1/2 payments


Matter ResolvedRequest
Adjourment
2327/3/2024 10:00 am24-14055 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $250.00  
mk: atty request to adj to address spousal issue- to 8/7 as atty is out of country- adj id on docket now

AS OF 6/27/2024 (at):

RECOMMEND: $500 PAID TO DATE, $3,695 x 34 BEGINNING 7/1/2024, 100% PLAN
Non exempt proceeds from slip and fall, wrongful termination and worker's comp suits are to be turned over to the trustee.

Trustee's objection:
- The debtor has insufficient income disposable income verifies $ -935. Debtor must apply for Ewage or TFS payments. (WITH SPOUSE'S INCOME MONTHLY DISPOSABLE INCOME IS NOW $7,561)
- The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income (RECEIVED) - from spouse Bank statements for all bank accts on Sched B from March to April prior to filing date.
- Amendments to Schedules amended I for spouse income (NOT AMENDED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,428 when determining disposable income. (AVERAGED/ADDED TO INCOME)

Plan proposes: $250 x 36 beginning 5/1/2024, non exempt proceeds from 3 lawsuits, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
2337/3/2024 10:00 am24-14056 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $725.00  Total Paid In: $1,450.00
As of 7/2/24 (DS): If obj resolved with creditor direectly to pay arrears claim, need to confirm at $725 x 18 begin 5/1/24; $1,306 x 18 begin 11/1/25; 100% with a min. dividend $23,091 to gucs due to non-exempt equity and Trustee ok to pay the arrears claim#14-1 of Shellpoint $2,332.93

1. Trustee obj to the following:
- There is $23,091 non-exempt equity in debtors home, bar date has passed total gucs filed $19,779.79
- Must resolve Shellpoint obj.

2. NewRez LLC d/b/a Shellpoint Mortgage Servicing (STEWART LEGAL) obj to arrears owed, POC filed with arrears $2,332.93. Must resolve obj.

Prop Plan $725 x 18 begin 5/1/24; $1,306 x 18 begin 11/1/25; 100%
Matter ResolvedRequest
Adjourment
2347/3/2024 10:00 am24-14065 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $200.00  
341 now on 7/25

7/1/24 (sf) Copy of cashier's check in the amount of $400 provided.


As of 6/18/24 (DS): 341 not held 5/30/24, still missing 2022/2023 tax returns, also no Trustee payments made, Debtor in arrears $400, made 0 out of 2 payments..
Matter ResolvedRequest
Adjourment
2357/3/2024 10:00 am24-14083 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $300.00  
AS OF 6/27/24 (SF)

This plan is not feasible. The plan proposes to seek liquidation of equitable interest in marital home but the Marital Agreement does not propose a buyout and ex-husband is not obligated to sell. (NEED EXPLANATION)

1. Trustee objection:

- Need a copy of homeowner's insurance renewal declaration. Policy provided expired on 5/22/2024. (7/1 amt: received)

- Need updated car insurance. (7/1 amt: received)

- Verified income leaves monthly disposable income of -$2,219.39. Debtor must sign up for e-wage for trustee payments within 7 days of confirmation.

- There is $97,144 in non exempt equity in the residence.

- The attorney's fees in the plan and the disclosure statement do not agree. One of these must be amended.


Plan proposes $300 x 60 100% Plan
Debtor will seek liquidation of equitable interest in 90 Oakland Drive
Payments: 2/2

Matter ResolvedRequest
Adjourment
2367/3/2024 10:00 am24-14089 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $650.00  
341 adj to 7/25/24
2/2 payments
Matter ResolvedRequest
Adjourment
2377/3/2024 10:00 am24-14116 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 6/24/2024 (at):

1. Need proof of service on Mariner Finance for cram on 2018 Toyota. (CERT OF SERVICE NOT FILED)

2. Objection filed by Bank of NY Mellon (Roberson Anschutz) - failure to cure arrears of $4,857.10 (Per obj - no POC yet) (UNRESOLVED)

3. Trustee's objection:
- Must resolve creditor objection. (UNRESOLVED)

RESOLVED ISSUES:
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
7/3/24, homeowner insurance expires 7/28/24. (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):
- As of now, there is $10,838.00 non exempt equity in real property. needs amended C to change this. (LANGUAGE ADDED)
- Must file Pre-confirmation certification. (FILED)

Plan proposes: $560 x 60 beginning 5/1/2024, 0% to unsecured creditors
Payments: 2/2
Matter ResolvedRequest
Adjourment
2387/3/2024 10:00 am24-14146 / CMGAndrew M. Carroll, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 1 of 3 required payments   Arrears: $0  

NS

As of 7/2/24 (DS): 1. Debtor has not made any Trustee payments, arrears $1,005, made 0 out of 3 payments.

2. Trustee obj to the following:
- Must provide 2 months bank statements from Credit Union prior to filing date.
- Need a modified plan that propose 18 month prompt cure payments to landlord, marks off Part 5a, includes the assumption of the Nissan lease and adds Trustee standard order of distribution.
- Must amend Schedules A/B and C to add Credit Union bank acct, shown on pay stubs $100 bi-wkly.
- Disposable income verifies $766, schedules fail to account for debtor(s) tax refund $6,826 when determining disposable income.
- Plan fails to provide for a prompt cure of rental arrears.
- Must file Pre-confirmation certification.

3. No claim has beed filed by Gary Quinn, landlord, bar date is 7/3/24.

Prop Plan $335 x 60 begin 5/1/24; NO UNSECURED
Matter ResolvedRequest
Adjourment
2397/3/2024 10:00 am24-14149 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
9/18/2024 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $8,300.00  
AS OF 6/27/24 (SF)
Conduit case


1. NJ Dept of Labor filed priority claim 1-1 in the amount of $452.28 which is not addressed in plan. (OK TO PAY?)

2. Mercedes Benz Financial filed arrears claim 3-1 in the amount of $3232.23 which is noted in plan that this debt is paid by a third party but attorney must move against the claim

3. State of NJ filed estimated priority claim 4-2 (NEED AMENDED CLAIM)

4. Trustee objection:


- Need updated auto insurance if not confirmed by 7/3/24, insurance expires 6/30/24.

- There is non-exempt equity in Truist Bank $20, Chase Bank acct $2,500, business $11,200 and timeshare $870.

- Need copy of Life insurance value statement prior to filing date.

- Must file Pre-confirmation certification.


Plan proposes $6000 x 60 Base
Payments: 1/2 Arrears: $6000


RESOLVED:
- The debtor has undertaken an improper use of exemption. Specifically: Sched C over exempt d(5) by $13,950. (AMENDED)
- Need a copy of the homeowner's insurance renewal declaration - insurance expires 6/20/24. (RECEIVED)
Matter ResolvedRequest
Adjourment
2407/3/2024 10:00 am24-14194 / CMGChristopher G. Cassie, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $1,074.00  Total Paid In: $2,120.00
AS OF 6/27/24 (SF) UPDATED

Updated payment because another guc claim was filed

RECOMMEND $1061 X 2 (BEGIN 5/1/24); $1072 X 58 (BEGIN 7/1/24) 100% PLAN W/MIN $35,554 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE AND PERSONAL PROPERTY


Trustee objection:

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 $33,693 non-exempt equity in real property and Wells Fargo acct $1,861 (100%
Plan.)


Plan proposes $1061 x 60 100%
Payments: 1/2 Arrears: $1061.90


Matter ResolvedRequest
Adjourment
2417/3/2024 10:00 am24-14206 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
9/4/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $203.00  
AS OF 6/28/2024 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - that includes liability
coverage. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$277/month for court order restitution
Need proof of excessive expenses 10 days prior to confirmation. (NOT RECEIVED)
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $17,525 in non exempt equity in the residence. (LANGUAGE ADDED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan. (LANUGAGE ADDED)
- The State of NJ Division of Taxation filed an estimated claim which needs to be
amended. (NO LONGER ESTIMATED)
- need update POI and amended I & J and POI once back to work (LANGUAGE ADDED)

Plan proposes: $203 x 60 beginning 5/1/2024, base
Payments: 0/2, arrears $406
Matter ResolvedRequest
Adjourment
2427/3/2024 10:00 am24-14208 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $1,500.00
As of 7/2/24 (DS): Confirm at $1,000 paid, $500 x 57 begin 8/1/24; 100% with min div. $8,674 to gucs due to non-exempt equity;
- Loan mod on Alpine St by 8/26/24 (ok to pay toward arrears).
- Trustee standard order of distribution.
- Fee app within 7 days from confirming order.
- File Pre-confirmation certification within 7 days.

1. No Trustee payments made, Debtor in arrears $1,000, made 0 out of 2 payments. DEBTOR MADE $1,000 PYMT ON 6/28/24

2. Trustee obj to the following:
- Must provide 2 months bank statements from Wells Fargo savings acct#3283, prior to filing date - PROVIDED 7/2/24
- There is non-exempt equity in 2004 Hyundai $1,000, Wells Fargo chkg acct#8992 $52,
Wells Fargo chkg acct#4530 $6,674 and Wells Fargo savings acct#3283 $947.69 total $8,674.
- Need Trustee standard order of distribution.
- Must file fee app within 7 days from confirming order.
- Must resolve creditor objection.
- Must file Pre-confirmation certification.

3. US Bank (ALEISHA JENNINGS) obj to loan mod. Must resolve obj. LOSS MIT ORDER ENTERED 5/28/24, LOAN MOD BY 8/26/24.

Prop Plan $500 x 60 begin 5/1/24; 100% and Loan mod on Alpine St by 12/1/24
Matter ResolvedRequest
Adjourment
2437/3/2024 10:00 am24-14217 / CMGFrancis P. Cullari, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,810.00  
Adj to after bar date
Matter ResolvedRequest
Adjourment
2447/3/2024 10:00 am24-14260 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 3 required payments   Arrears: $0  

NS

AS OF 6/26/24 (SF)


1. 341 NOT HELD DUE TO MISSING DOCUMENTS
2. PAYMENTS: 0/2 ARREARS: $560

no 341 docs at all case filed in April

Matter ResolvedRequest
Adjourment
2457/3/2024 10:00 am24-14280 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
2467/3/2024 10:00 am24-14325 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 0 of 3 required payments   Arrears: $1,050.00  
mk: sent proof of payment


As of 6/18/24 (DS): 341 not held 6/13/24, due to missing all docs, also no Trustee payments made, Debtor in arrears $700, made 0 out of 2 payments.

0/3 payments
Matter ResolvedRequest
Adjourment
2477/3/2024 10:00 am24-14378 / CMGVera Fedoroff, Esq.Confirmation Hearing ScheduledContinued
7/17/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $4,555.00  
As of 6/25/24(mk)


341 was held today - 6/20

MFR on 7/3 Needs to be resolved

PLAN IS 100% AND BAR DATE IS 7/8/24- SHOULD BE ADJ TO AFTER THE BAR DATE

1. Objection by Investors Com. Capital( E. Paul):

2.PLan has CT Corp Sys for encore Florist at 18,00- A POC was filed by GMC Funding LLC for 37,500 for breached settlement agmt- IS THIS THE SAME DEBT??

3. Trustee Objection:
-Need April and May bank statements for Santander
checking account 4933.
-$1,683/month for IRS and State taxes (need proof this
is being paid)Need proof of expenses 10 days prior to
confirmation.
-There is $46,581 in non exempt equity in the residence. (100% plan)
Need to file Pre-Confirmation Certification



Plan :$4555 X 60; 100%
1/2
Matter ResolvedRequest
Adjourment
2487/3/2024 10:00 am24-14391 / CMGMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $950.00  
Matter ResolvedRequest
Adjourment
2497/3/2024 10:00 am24-14392 / CMGDavid A. Semanchik, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

Adj to after bar date.
Matter ResolvedRequest
Adjourment
2507/3/2024 10:00 am24-14402 / CMGLaurence R. Sheller, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $2,638.00  
AS OF 6/27/2024 (at):

1. Credit Union of New Jersey filed a secured claim in the amount of $8,644.75 (for purchases made within 90 days of filing) which is not in the plan. Are the debtors going to pay this claim?

2. Objection filed by Credit Union of NJ (2nd mortgage) (McKenna Dupont) - objecting to strip off of mortgage. Per zillow, the property is valued at $282,000. (UNRESOLVED)

3. Objection filed by Federal Home Loan Mortgage (Robertson Anschutz) - blanket objection. Plan fails to include treatment of secured creditor's claim. (UNRESOLVED)

4. Trustee's objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Auto insurance $727, and 3 car payments $569, $424 and $300.
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- 22c has disposable income $2,297.70, which would require minimum dividend $137,862.
- 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):
- The recent online market comparatives have a higher value for the home of approximately $282,000. (NEEDS RESOLUTION)

RESOLVED ISSUES:
- Must file Pre-confirmation certification. (FILED)

Plan proposes: $2,638 x 60 beginning 5/1/2024, base
Payments: 1/2, arrears $2,638
Matter ResolvedRequest
Adjourment
2517/3/2024 10:00 am24-14423 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $0  
Total Paid In: $1,100.00
As of 7/2/24 (DS): Confirm at $1,100 paid, $567 x 33 begin 8/1/24; Base with a min. div. $9,988 to gucs due to non-exempt equity and add to confirming order Trustee ok to pay claim#6-1 of Nationstar Mortgage $134.88 (emailed Debtor atty to inform that Nationstar Mortgage filed arrears $134.88)

1. Trustee obj that there is non-exempt equity $6,050 in 2020 Ford and $3,938 in bank accts total $9,988.

Prop Plan $550 x 36 begin 5/1/24; Base
Note: Updated homeowner insurance provided.
Matter ResolvedRequest
Adjourment
2527/3/2024 10:00 am24-14429 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 6/28/2024 (at):

RECEIVED PROOF OF TFS PAYMENT FOR $4,000 SCHEDULED FOR 6/29/2024.

1. 341 is scheduled for 8/1/2024.
2. Payments: 0/2, arrears $4,000
Matter ResolvedRequest
Adjourment
2537/3/2024 10:00 am24-14464 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
7/17/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $798.00  
AS of 6/18/24(mk):

PLAN IS 1005 BAR DATE 7/9 SHOULD BE ADJ TO 7/17 FOR ACCURATED CLAIMS CALCULATION.

1. Trustee Objection:
- need 2023 tax return.
- nonexempt equity in real property $98,725.00
-There is $625 non-exempt equity in debtors personal
possessions-There is $4,004.96 non-exempt equity in
debtor's Columbia Bank acct #3538
-There is $3,801 non-exempt equity in debtor's
Columbia Bank acct #0825
-There is $430 non-exempt equity in debtor's Robinhood
account
TOTAL NON-EXEMPT EQUITY in personal prop $8.860.96
Plan is 100%

plan: $1605 X 60; 100% std loans outside
2/2 payments

Matter ResolvedRequest
Adjourment
2547/3/2024 10:00 am24-14485 / CMGJeremias E Batista, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 2 of 3 required payments   Arrears: $0  

NS

As of 6/18/24 (DS): 341 not held 6/20/24, missing Deed for Tall Oaks Ct and current auto insurance for 2011 Toyota Camry and 2006 Toyota Matrix (document provided is a billing statement).

1/3 payments arrears 5600
Matter ResolvedRequest
Adjourment
2557/3/2024 10:00 am24-14500 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $19.00  
As of 6/24/24 (DS): Debtor atty req adj ro serve creditor and gather docs needed.
Matter ResolvedRequest
Adjourment
2567/3/2024 10:00 am24-14537 / CMGJoel R. Spivack, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $800.00
AS of 6/21/24(mk): email to atty-ok to terms

Reviewed updated income and debtor explanation of income and commissions in the cert- still get higher income than the $375 proposed-- CAN COMPROMISE at $425 going forward


**CAN REC CONFIRM AT $375 PTD THEN $425 x 35 Begin 7/1/24 Base. Must file pre conf cert in 10 days**



--------RESOLVED---------------
1. Trustee objection: CERT PROVIDED and insurance is reqired by his divorce
-Disposable income verifies $1,350 Need a Certification from debtor explaining pay and
bonus. and may be more, pending proof of life insurance expense.
- excess expenses: Life insurance $250 (Proof provided verifies annual for WL Plus 65 $710.88 and Northwestern Mutual $506.88 total to 1,217.76, which brings monthly$101.48, but NY Life Insurance
policies does not provide proof of amount paid). Must provide proof of expense 10 days
prior to confirmation.


Plan: $375 x 36 begin 6/1/24; Base
1/1 payments



Matter ResolvedRequest
Adjourment
2577/3/2024 10:00 am24-14538 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $943.00  
AS OF 6/28/2024 (at):

1. 341 is scheduled for 7/11/2024.
2. Payments: 1/1
Matter ResolvedRequest
Adjourment
2587/3/2024 10:00 am24-14556 / CMGRobert L. Schmidt, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

As of 6/2/24 (DS): Debtor atty requesteed adj to after bar date to allow all claims filed.
Matter ResolvedRequest
Adjourment
2597/3/2024 10:00 am24-14575 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledContinued
7/17/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $100.00  
AS OF 7/3/24 (SF) Updated

1. Trustee objection:

The debtors provided the Trustee with a CMA that includes three comps. One is from 8/25/23 and the other two are from 2/29/24 and 4/3/24. Upon information and belief, the Debtors purchased their home 9/24/21 for $260,000, yet list the value for their property at less than the purchase price. Zillow has the value at approximately $381,200. The Trustee is requesting an updated CMA with all comps from 2024. The Trustee asserts that there is
non-exempt equity in the debtors' residence. (SAME COMPS PROVIDED AS BEFORE. ZILLOW HAS MORE RECENT COMPS. MAY NEED APPRAISAL)


- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Cellphone $430 (4 phones and lines for 2 Ipads) and Streaming services $177. (Reduced expenses by $249)

- OneMain (2015 Dodge) filed bifurcated claim secured $7,600, unsecured $12,656.76 with
arrears $1,185.10. Plan propose to pay arrears, how should the remaining claim be handled?



Plan proposes $100 x 60 Base
Payments: 1/2 Arrears: $100

RESOLVED:
- Objection filed by Rocket Mortgage (Fissel) - failure to provide for arrears in the amount of $683.19 (COTBS) OK TO PAY ARREARS
- Need valuation on 2 Kawasaki Brute Force Quads. NADA list values from $1,450 - $8,390. (SURRENDERED IN PLAN)
- Amendments to Schedules B and C to add the years for 2 Kawasaki Brute Force Quads. (SURRENDERED IN PLAN)
- There may be non-exempt equity on the 2 Kawasakis, pending amended schedules and
valuations.
- Must provide updated auto insurance for 2015 Dodge and 2017 Chevy (insurance expired
5/28/24) and 2 months (March & April) statements from PayPal, Robinhood and Coinbase
accounts. (RECEIVED)
- Must file Pre-confirmation certification. (FILED)
Matter ResolvedRequest
Adjourment
2607/3/2024 10:00 am24-14592 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 2 required payments   Arrears: $725.00  Total Paid In: $600.00
AS OF 6/27/2024 (at):

RECOMMEND: $600 PAID TO DATE, $725 x 35 BEGINNING 7/1/2024, BASE
(increase due to disposable income of $1,107.76)

1. Objection filed by Extra Property Management (Shnayder Law) - failure to cure full arrears of $4,235.50. Plan proposes to pay $4,175. (RESOLVED - PAY PER POC)

2. Trustee's objection:
- The IRS filed an estimated claim which needs to be amended. (NO LONGER ESTIMATED)
- Need to resolve objection by Extra Property Management. (LISTED ABOVE)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $600 x 36 beginning 6/1/2024, base
Payments: 1/1
Matter ResolvedRequest
Adjourment
2617/3/2024 10:00 am24-14642 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
9/18/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $2,000.00  
341 not held - rescheduled to 7/25
payments: 1/1
Attorney away for most of August

Matter ResolvedRequest
Adjourment
2627/3/2024 10:00 am24-14643 / CMGCarol L. Knowlton, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 2 required payments   Arrears: $0  

dismiss w/o prej.

NO 341 - AS OF 6/18 MISSING STILL NEED; DR BANK STMNTS 2 MTHS, DR CMA,DEED MTG STMNT

AND CUR HOME INSUR FOR 132
Matter ResolvedRequest
Adjourment
2637/3/2024 10:00 am24-14651 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $50.00  Total Paid In: $400.00
AS OF 7/1/2024 (at):

RECOMMEND: $200 PAID TO DATE, $250 X 34 BEGINNING 7/1/2024, $425 x 24, BASE

1. Objection filed by Freedom Mortgage (Brock & Scott) - failure to cure full arrears of $4,141.24 (Per Obj - No POC yet) (RESOLVED - PAY PER POC WHICH HAS NOT BEEN FILED YET)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - if not confirmed on
7/3/2024 need policy renewal (NOT RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Income verified higher at $555 than scheduled at $202.

Plan proposes: $200 x 60 beginning 6/1/2024, base
Payments: 1/1
Matter ResolvedRequest
Adjourment
2647/3/2024 10:00 am24-14652 / CMGOtto J. Kostbar, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,659.00  
As of 6/25/24 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $1,226. Plan propose $1,659. Debtor is current with Trustee payments.
- There is non-exempt equity in real property $35,572. Add to confirming order non-exempt proceeds from sale to Trustee.
- Must file Pre-confirmation certification.

2. Wells Fargo (BROCK & SCOTT) obj to arrears more and sale being speculative. Obj must be resolved.

Prop Plan $1,659 x 60 begin 6/1/24; Base and Sale of South Louis St by 6/1/25
Matter ResolvedRequest
Adjourment
2657/3/2024 10:00 am24-14742 / CMGAndrew M. Carroll, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 1 of 2 required payments   Arrears: $0  

NS

AS OF 7/3/24 (at):

1. 341 has not been held or rescheduled.
2. Payments: 1/2, arrears $690
Matter ResolvedRequest
Adjourment
2667/3/2024 10:00 am24-14758 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $3,000.00
AS OF 6/26/24 (SF) UPDATED


RECOMMEND $1500 X 45 (BEGIN 6/1/24); $3100 X 15 (BEGIN 3/1/28) 100% PLAN W/ MIN $289,086 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE
- OTBS WITHIN 30 DAYS RESOLVING OBJ BY PENNYMAC LOAN SERVICES - OK TO PAY ARREARS OF $1413.46 THRU PLAN



issues as of 6/20/2024 (JMA)

1) PennyMac Loan Services LLC (Powers Kirn) objection to confirmation - need to resolve
-approximate arrears $1,413.46 (Per atty, ok to pay)OTBS TO PAY THIS SUBMITTED 6/25/24(mk) (NO CLAIM FILED YET)

2) Trustee objection to confirmation - need to resolve
-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 $289,085 in non exempt equity in the residence. (100% plan )

proposed plan $1,500x45, $3,100x15 100%
paid in $1,500
last claim 7-1

RESOLVED:
Debtor has insufficient income to pay second tier. May wish to adjourn until after bar date of 7/18/24. Per atty, HECL and auto loans will end and debtor will begin receiving social secuirty.4

Matter ResolvedRequest
Adjourment
2677/3/2024 10:00 am24-14829 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 6/28/2024 (at):

1. Objection filed by Carrington Mortgage (Hill Wallack) - failure to cure arrears of $4,136.99 (Per POC) (UNRESOLVED)

2. Hyundai Capital filed a secured arrears claim #14 in the amount of $569.72 which is not in the plan. Is the debtor going to pay this claim?

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - with comps within the last 6 months from filing date. (NOT RECEIVED)
- A copy of the last filed tax return - for 2023. (NOT RECEIVED)
- Home equity loan balance statement prior to filing date (NOT RECEIVED)
- 2 months bank statements from Bank of America checking acct#3735 prior to filing date. (NOT RECEIVED)
- Amendments to Schedules B and C to add additional Bank of America checking
acct#3735 (NOT AMENDED)
- The debtor has undertaken an improper use of exemption. Specifically:
- Improper exemptions 522(d)(1) taken on real property for Co-Debtor, who is not on Deed. Must amend Sched C. (SCHEDULE C NOT AMENDED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Proof of income verifies higher. There is disposable income $2,447.
- The current Plan does not specify treatment of Hilton Grand Vacation (Timeshare) under the Plan. (MOD PLAN NOT FILED)
- 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 estimated non-exempt equity in real property $56,024 to $94,348. Pending
updated CMA with comps, amended IRS claim and balance owed on home equity loan. (STILL NEED CMA, IRS STILL ESTIMATED AND NO STATEMENT FOR HOME EQUITY LOAN)
- The debtor has failed to provide proof of service with respect to Plan Motion (s). (CERT OF SERVICE
Matter ResolvedRequest
Adjourment
2687/3/2024 10:00 am24-14840 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 6/24/2024 (at):

RECOMMEND: $2,000 PAID TO DATE, $2,231 x 59 BEGINNING 7/1/2024, 100% PLAN
- Claims will be paid according to the trustee's order of distribution.
- Preserve non exempt equity of $307,031 in real estate.
- Preserve non exempt equity of $11,730 in personal property.
- Need to file Pre-Confirmation Certification within 7 days of confirmation.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Need proof of insurance for the 1999 GMC and the 2014 Chevy. (RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $2,867.39.
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $10,622.00 when determining disposable income. (AVERAGED/ADDED TO 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 $307,031 in non exempt equity in the residence. (100% plan ) (LANGUAGE ADDED)
- There is $11,730 in non exempt equity in the bank accounts. (LANGUAGE ADDED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED - PAY PER TRUSTEE ORDER OF DISTRIBUTION)

Plan proposes: $2,000 x 60 beginning 6/1/2024, 100% plan
Payments: 1/1
Matter ResolvedRequest
Adjourment
2697/3/2024 10:00 am24-14841 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

As of 6/26/24 (DS): 341 Sched 6/27/24

Prop Plan $200 x 60 begin 6/1/24; Base
Matter ResolvedRequest
Adjourment
2707/3/2024 10:00 am24-14877 / CMGFrancis P. Cullari, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
2717/3/2024 10:00 am24-14879 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $425.00  
AS OF 6/26/2024 (at):

1. 341 is scheduled for 7/25/2024.
2. Payments: 1/1
Matter ResolvedRequest
Adjourment
2727/3/2024 10:00 am24-15004 / CMGMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $300.00  
AS OF 6/26/2024 (at):

1. Need proof of service on MS Services which is to the attention of a partner or managing agent. (AMENDED CERT OF SERVICE NOT FILED)

2. Claims will be paid according to the trustee's order of distribution. (LANGUAGE ADDED)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - both documents
provided do not show the dates of coverage (RECEIVED)
- Need to provide May 2023 bank statement for Wells Fargo Acct 3504 (NOT RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Excess expenses on Amended Schedule J $526.61/telephone, cell, cable;
$950/transportation 2 people; $1,400/food 2 adults; $150/contributions to other family;
$542/carrying costs on Thornberry; $2,239 non-debtor spouses personal expenses and
savings - need supporting documentation for all excess expenses above (NOT RECEIVED)

RESOLVED ISSUES:
- A copy of the last filed tax return - 2023 (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 $6,694 non-exempt equity in the 2017 Jeep (LANGUAGE ADDED)
-There is $993 non-exempt equity in the 2019 Nissan (LANGUAGE ADDED)
-There is $14,775.50 non-exempt equity in the debtor's home --The listing price per the
MLS agreement is $117,000. As a result, non-exempt equity would be $17,820.50 (LANGUAGE ADDED)
- TOTAL NON-EXEMPT EQUITY $25,507.50 (may increase based on actual sale price)
-The listing price per the MLS agreement is $117,000. As a result, non-exempt equity
would be $17,820.50

Plan proposes: $300 x 36 beginning 6/1/2024, sale of Thornbury Court by 6/1/2025, base
Payments: 1/1
Matter ResolvedRequest
Adjourment
2737/3/2024 10:00 am24-15010 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

update 7/2/2024 (JMA) - bar date does not expire until 7/25/2024 - recommend adjourn to after bar date
issues as of 6/20/2024 (JMA) (Need confirmation that creditor objection is resolved)

1) PNC Bank (Fein Such) objection to confirmation - RESOLVED, PAY ARREARS THROUGH PLAN, CONSENT ORDER
-arrears $139.91 >>MK; resolved- otbs

2) Trustee objection to confirmation - need to resolve


proposed plan $547x60 100% plan
paid in $547
last claim 4
Matter ResolvedRequest
Adjourment
07/3/2024 11:00 am24-15743 / CMGJeffrey E. Jenkins, Esq.Order Show CauseWithdrawn
MISSING DOCS
Matter ResolvedRequest
Adjourment
2747/3/2024 12:00 pm22-18827 / CMGLee M. Perlman, Esq.Motion CompensationGrantedTotal Paid In: $37,766.00
Matter ResolvedRequest
Adjourment
2757/3/2024 12:00 pm23-12999 / CMGMarc C. Capone, Esq.Motion CompensationRevised Order SubmittedTotal Paid In: $18,900.00
Matter ResolvedRequest
Adjourment
2767/3/2024 12:00 pm23-15457 / CMGMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $5,150.00
Matter ResolvedRequest
Adjourment
2777/3/2024 12:00 pm24-10143 / CMGHerbert B. Raymond, Esq.Motion CompensationGrantedTotal Paid In: $3,000.00
Matter ResolvedRequest
Adjourment
2787/3/2024 12:00 pm24-11165 / CMGAllen I. Gorski, Esq.Motion CompensationGrantedTotal Paid In: $42,139.00
Matter ResolvedRequest
Adjourment
2797/3/2024 12:00 pm24-11231 / CMGRalph A. Ferro, Jr., Esq.Motion CompensationGrantedTotal Paid In: $2,100.00
Matter ResolvedRequest
Adjourment
2807/3/2024 12:00 pm24-11359 / CMGKarina Pia Lucid, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment
2817/3/2024 12:00 pm24-12854 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $1,500.00
Matter ResolvedRequest
Adjourment
2827/3/2024 12:00 pm24-12902 / CMGMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $2,792.00
Matter ResolvedRequest
Adjourment
2837/3/2024 12:00 pm24-13114 / CMGMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $1,263.00
Matter ResolvedRequest
Adjourment
07/3/2024 12:30 pm21-11137 / MBKFrances A. Tomes, Esq.Order Shorten TimeOrder to be SubmittedTotal Paid In: $13,828.00
7/3/24(mk): OTBS and MP and parag 8 to be checked for the filing of a MP and the NE proceeds after all liens and closing costs will be held pending the filing of a MP

OST -US Bank limited response (RAS)<>MTN TO SELL 1725 3RD AVE PPTY

- confirmed case at $20,478 Base.
- CMA in 2021 was $280,000.(and no sale was contemplated)
- sale contract for $480,000 but buyer will receive $40,000 credit - 70% appreciation.
DEBTOR KEEPING APPRECIATION IN PROPOSED ORDER (dm)

>>TR objects and requires the box at parag. 8 to be checked for the filing of a MP. Motion attempts to pay case off early at the Base amt and close the case early Case is in month 41 of 60 month plan NEDS MP and Amended I & J and update POI
Matter ResolvedRequest
Adjourment
2957/3/2024 3:00 pm24-10783 / CMGJohn Zimnis, Esq.AP Summons IssuedContinued
8/21/2024 3:00 pm
Total Paid In: $3,000.00
Matter ResolvedRequest
Adjourment
2967/3/2024 3:00 pm24-10797 / CMGJose R. Torres, Esq.AP Summons IssuedSettled - ResolvedTotal Paid In: $2,250.00
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes