Judge Michael B. Kaplan
Hearing Date: 7/10/2024
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
17/10/2024 9:00 am18-10763 / MBKCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $46,022.00
Debtor obj, paying full arrearage<>CARRINGTON/Stout Ave (Hill Wallack)
Matter ResolvedRequest
Adjourment
27/10/2024 9:00 am18-11058 / MBKBruce C. Truesdale, Esq.Motion Reopen Ch. 13 Case (fee)On the Papers
Quimby Ventures obj (Jones)<>REOPEN TO STRIP OFF UNSECURED MTG LIEN
Matter ResolvedRequest
Adjourment
47/10/2024 9:00 am19-13141 / MBKRobert Cameron Legg, Esq.Creditor's Certification of DefaultContinued
7/24/2024 9:00 am

Debtor obj, made pymt<>US BANK/ Alpine Trail (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
57/10/2024 9:00 am19-14769 / MBKRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $31,060.00
PAID
Debtor obj<>DEBTOR FAILED TO PAY PLAN BALANCE ($26)
Matter ResolvedRequest
Adjourment
67/10/2024 9:00 am19-16884 / MBKRobert Cameron Legg, Esq.Creditor Certification of DefaultContinued
8/14/2024 9:00 am
Total Paid In: $99,351.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj<> PHH/Princeton Oval (RAS)
Matter ResolvedRequest
Adjourment
77/10/2024 9:00 am19-18980 / MBKDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
PAID
(4/18 AMT: PAYOFF LETTER ISSUED)

Debtor obj, made pymt & requests time to pay balance<>100% PLAN WILL NOT COMPLETE TIMELY DUE TO POST PETITION ADDED TO PLAN
Matter ResolvedRequest
Adjourment
87/10/2024 9:00 am19-19744 / MBKPeter E. Zimnis, Esq.Creditor Certification of DefaultContinued
8/14/2024 9:00 am
Total Paid In: $40,203.00
Creditor Atty - will check with client on conduit.
Debtor Atty - does not want conduit.

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, making payments<> US BANK/Lawrenceville Rd (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
97/10/2024 9:00 am19-22136 / MBKFranklin S. Montero, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $122,108.00
AR - funds need to post to the Trustee by 7/10/24.

Debtor Atty waiting for the payoff from mtg co - trying to negotiate an amended order with the creditor so they can file MP to complete the case (dm)

ADJ to 4/24 for MP to be filed (dm)
Debtor obj<>FAILED TO FILE FEASIBLE PLAN/WILL NOT COMPLETE TIMELY DUE TO CONS ORDER DOC #80 ADDING >$18,000 TO PLAN
Matter ResolvedRequest
Adjourment
117/10/2024 9:00 am19-24097 / MBKEdward Hanratty, Esq.Motion Relief from Stay (Fee)Continued
8/14/2024 9:00 am
Total Paid In: $35,732.00
ADJ 8/14 Peremptory (dm)
AMT: TR LLTR REQUESTING CONDUIT<>

Debtor obj, made pymt<>NAT'L MTG/LAKEVIEW/Hope Rd (GROSS)
Matter ResolvedRequest
Adjourment
107/10/2024 9:00 am19-24097 / MBKEdward Hanratty, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $35,732.00
Closing scheduled before the end of July
Motion to Sell 1109 HOPE RD
Matter ResolvedRequest
Adjourment
127/10/2024 9:00 am19-27366 / MBKYakov Rudikh, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/24/2024 9:00 am
Total Paid In: $39,981.00
per 7/8 email---Clients will be able to pay $4500 by July 12th and the rest of the balance by the September when the plan expires.

ADJ to 7/10 to see how much family can help pay off the balance (dm)

Debtor obj<>100% PLAN WILL NOT COMPLETE TIMELY DUE TO ACAR LEASING POC #1-2 FILED AFTER CREDITOR OTAINED SV
Matter ResolvedRequest
Adjourment
137/10/2024 9:00 am19-30843 / MBKRobert Cameron Legg, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)GrantedTotal Paid In: $15,583.00
Cameron is waiving his $300 fee to close the case (dm)
Trustee obj need all money edc
Matter ResolvedRequest
Adjourment
147/10/2024 9:00 am20-13301 / MBKPeter E. Zimnis, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $13,769.00
Debtor obj, paid arrears<>MIDFIRST BANK/Willowbrook Way (Gross Polowy)
Matter ResolvedRequest
Adjourment
167/10/2024 9:00 am20-16679 / MBKRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $15,490.00
MOTION FEDERAL CREDIT UNIO/2011 Chevy Equinox (McKENNA)
Matter ResolvedRequest
Adjourment
177/10/2024 9:00 am20-17766 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayOrder Previously SubmittedTotal Paid In: $55,016.00
Debtor obj, making pymt<>RUSHMORE /Cape Cod Ave (FRIEDMAN)
Matter ResolvedRequest
Adjourment
187/10/2024 9:00 am20-22827 / MBKKevin C. Fayette, Esq.Motion Requesting RedactionOn the PapersTotal Paid In: $125,400.00
Matter ResolvedRequest
Adjourment
197/10/2024 9:00 am20-23895 / MBKJeffrey E. Jenkins, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $10,250.00
WEST END GARDEN APT (WILF LAW)
Matter ResolvedRequest
Adjourment
207/10/2024 9:00 am21-11024 / MBKJay A. Weinberg, Esq.Motion Relief from Stay (Fee)Continued
8/14/2024 9:00 am
Total Paid In: $30,428.00
Creditor - will check with client regarding conduit.
Debtor Atty - unknown re conduit.

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj<>WELLS FARGO BANK /Hancock St (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
217/10/2024 9:00 am21-11577 / MBKWarren D. Levy, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
ARREARS; FAILED TO ADDRESS MANALAPAN ESTATES HOA LATE FILED CLM
Matter ResolvedRequest
Adjourment
227/10/2024 9:00 am21-12785 / MBKCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultContinued
8/14/2024 9:00 am
Total Paid In: $20,049.00
Creditor Atty - will check with client regarding conduit.
Debtor Atty - no conduit.

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, will pay<> US BANK/Nicholson Rd (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
237/10/2024 9:00 am21-13286 / MBKKevin C. Fayette, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $29,070.00
Debtor obj, can pay<> US BANK/New Jersey Road (Brock & Scott)
Matter ResolvedRequest
Adjourment
247/10/2024 9:00 am21-16137 / MBKJonathan Goldsmith Cohen, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $74,311.00
PP FIN (Partial Claim) NUNC PRO TUNC
Matter ResolvedRequest
Adjourment
257/10/2024 9:00 am21-18149 / MBKRobert Cameron Legg, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $11,705.00
7/8 AMT: $11,395 PTD (32); $ 674 X 28 BEG 7/1/24 (ATTY ok)<<>>

Debtor obj, made pymt & requests recap<> ARREARS
Matter ResolvedRequest
Adjourment
267/10/2024 9:00 am21-19578 / MBKRobert Cameron Legg, Esq.Motion for Relief from StayWithdrawnTotal Paid In: $18,797.00
Debtor obj<>WELLS FARGO/Columbus Ave (LOGS)
Matter ResolvedRequest
Adjourment
277/10/2024 9:00 am22-10362 / MBKGeorge E. Veitengruber, III, Esq.Order Shorten TimeGrantedTotal Paid In: $52,666.00
OST - Motion to Sell 6 RODEO CT
Matter ResolvedRequest
Adjourment
287/10/2024 9:00 am22-10573 / MBKEdward Hanratty, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceWithdrawnTotal Paid In: $117,876.00
MTN TO PURCHASE VEHICLE
Matter ResolvedRequest
Adjourment
297/10/2024 9:00 am22-10573 / MBKEdward Hanratty, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceGrantedTotal Paid In: $117,876.00
MTN TO PURCHASE VEHICLE
Matter ResolvedRequest
Adjourment
07/10/2024 9:00 am22-10573 / MBKEdward Hanratty, Esq.Order Order (Generic)MootTotal Paid In: $117,876.00
Moot - time has expired (dm)
Order Granting Motion to Extend Time to Appeal Loan Mod Denial
Matter ResolvedRequest
Adjourment
307/10/2024 9:00 am22-10746 / MBKScott J. Goldstein, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
ARREARS
Matter ResolvedRequest
Adjourment
317/10/2024 9:00 am22-10823 / MBKRodney Nelson, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceGrantedTotal Paid In: $17,510.00
MTN TO APPROVE ERMA FUNDING
Matter ResolvedRequest
Adjourment
327/10/2024 9:00 am22-11793 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $10,000.00
THE BANK OF NEW YORK MELLON (KML)
Matter ResolvedRequest
Adjourment
347/10/2024 9:00 am22-13111 / MBKJustin M. Gillman, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $79,047.00
MTN RELEASE LIEN/JPMORGAN CHASE
Matter ResolvedRequest
Adjourment
377/10/2024 9:00 am22-15454 / MBKCarol L. Knowlton, Esq.Motion Cross MotionOn the PapersTotal Paid In: $53,500.00
Debtor obj; creditor reply<>CREDITOR, MITCHELL CROSS MTN TO CONVERT TO CH 7 (Kasen)
Matter ResolvedRequest
Adjourment
367/10/2024 9:00 am22-15454 / MBKCarol L. Knowlton, Esq.Motion Extend TimeOn the PapersTotal Paid In: $53,500.00
EXTEND SALE TIME--ZONING ISSUES NOW WANTS TO SELL LLC THAT OWNS PROPERTY
Matter ResolvedRequest
Adjourment
357/10/2024 9:00 am22-15454 / MBKCarol L. Knowlton, Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)On the PapersTotal Paid In: $53,500.00
**should add "accounting within 15 days" to order EDC

Creditor, Mitchell limited obj (Kasen); debtor response<>MTN TO SELL 1401 ROUTE 38 PPTY
Matter ResolvedRequest
Adjourment
387/10/2024 9:00 am22-15527 / MBKCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $22,500.00
MTN EXPUNGE 3-1
Matter ResolvedRequest
Adjourment
397/10/2024 9:00 am22-15664 / MBKKirsten B. Ennis, Esq.Creditor Certification of DefaultContinued
7/24/2024 9:00 am
Total Paid In: $12,927.00
Debtor obj, pymts in suspense, not properly applied to account<> US BANK/Tall oak Lane (RAS)
Matter ResolvedRequest
Adjourment
407/10/2024 9:00 am22-16368 / MBKSteven J. Abelson, Esq.Motion Relief from Stay (Fee)Continued
8/14/2024 9:00 am
Total Paid In: $28,438.00
Debtor obj, made pymt<>CARRINGTON (HILL WALLACK)
Matter ResolvedRequest
Adjourment
427/10/2024 9:00 am22-16995 / MBKRobert Cameron Legg, Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)Continued
8/14/2024 9:00 am
Total Paid In: $7,260.00
ADJ to 8/14 to get short sale approval

Deutsche Bank obj (RAS)<> MTN TO SELL SUNRISE ST PPTY
Matter ResolvedRequest
Adjourment
417/10/2024 9:00 am22-16995 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/14/2024 9:00 am
Total Paid In: $7,260.00
Debtor obj, under contract/filing mtn<>FAILED TO SELL SUNRISE ST PPTY BY 4/10/24
Matter ResolvedRequest
Adjourment
437/10/2024 9:00 am22-17993 / MBKDavid G. Beslow, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $4,110.00
AMT: MP 7/10**<<>> HR

Debtor obj, filing MP<>FAILED TO REFI BY 3/15/24
Matter ResolvedRequest
Adjourment
447/10/2024 9:00 am22-18163 / MBKBrad J. Sadek, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/14/2024 9:00 am
Total Paid In: $2,161.00
Debtor obtained a new vehicle - will need a Trustee Order (AR) treating Santander outside the plan.

Debtor obj, will pay<>SV/SANTANDER; ARREARS
Matter ResolvedRequest
Adjourment
457/10/2024 9:00 am22-18791 / MBKGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $3,000.00
AMT: MP 7/10 Confirmed

Debtor obj, fee app filed<>FAILED TO LM WITHIN 30 DAYS OF 5/10/23 CONF-EXTENDED LOSS MITIGATION EXPIRED 2/1/24; FAILED TO FILE FEE APP FOR AMOUNT RECEIVED OVER $4,750 WIHTIN 14 DAYS OF 5/10/23 CONF
Matter ResolvedRequest
Adjourment
467/10/2024 9:00 am22-18791 / MBKGeorge E. Veitengruber, III, Esq.Order Shorten TimeOrder to be SubmittedTotal Paid In: $3,000.00
OST - MTN TO SELL PROPECT ST PPTY
Matter ResolvedRequest
Adjourment
477/10/2024 9:00 am22-19045 / MBKPaul H. Young, Esq.Motion Relief from Co-Debtor StayGrantedTotal Paid In: $9,300.00
WESTLAKE FINC/2018 Honda Pilot (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
487/10/2024 9:00 am22-19385 / MBKJohn Zimnis, Esq.Creditor Certification of DefaultContinued
7/24/2024 9:00 am
Total Paid In: $8,312.00
ADJ to 7/24 Peremptory.
Debtor Atty - does not want conduit.
Creditor - unknown regarding conduit.

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, made pymts<>SELENE FINANCE/Lafayette Ave (Padgett)
Matter ResolvedRequest
Adjourment
497/10/2024 9:00 am22-19594 / MBKBrad J. Sadek, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $18,808.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, will pay outside<>PHH MTG /Illinois Ave (RAS)
Matter ResolvedRequest
Adjourment
507/10/2024 9:00 am23-10293 / MBKMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/14/2024 9:00 am
Total Paid In: $6,172.00
Debtor obj, pending offer<>FAILED TO COMPLETE SALE OF MIDLAND BLVD PPTY BY 5/15/24;
Matter ResolvedRequest
Adjourment
517/10/2024 9:00 am23-10696 / MBKBruce C. Truesdale, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $14,658.00
AMT: CREDITOR STATUS CHANGE/SETTLED<>

AMT: TR LTR REQUESTING CONDUIT<>

MIDFIRST BANK/Old York Road (GROSS)
Matter ResolvedRequest
Adjourment
527/10/2024 9:00 am23-10913 / MBKThomas G. Egner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $8,182.00
AMT: MP 7/10

Debtor obj, will file MP<> SV/CARMAX
Matter ResolvedRequest
Adjourment
547/10/2024 9:00 am23-11526 / MBKRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $16,230.00
Debtor obj, reviewing bank statements, if behind, will pay<>NEW JERSEY HOUSING AND MTG/ Lismore Dr (PLUESE)
Matter ResolvedRequest
Adjourment
567/10/2024 9:00 am23-11998 / MBKCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $48,768.00
MTN TO EXPUNGE BOA # 4-1
Matter ResolvedRequest
Adjourment
557/10/2024 9:00 am23-11998 / MBKCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $48,768.00
MTN TO EXPUNGE JP MORGAN #3-1
Matter ResolvedRequest
Adjourment
587/10/2024 9:00 am23-13045 / MBKCamille J. Kassar, Esq.Motion Reinstate StayGrantedTotal Paid In: $27,688.00
MTN REINSTATE STAY
Matter ResolvedRequest
Adjourment
577/10/2024 9:00 am23-13045 / MBKCamille J. Kassar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
7/24/2024 9:00 am
Total Paid In: $27,688.00
Motion to Reinstate stay was granted but ADJ to 7/24 for good faith payment to post (dm)

Debtor obj, filed mtn to reinstate stay<>SV/US BANK
Matter ResolvedRequest
Adjourment
597/10/2024 9:00 am23-13281 / MBKMelinda D. Middlebrooks, Esq.Application to Extend Loss MitigationWithdrawnTotal Paid In: $2,295.00
Land Home obj ( Brock & Scott)<> APP TO EXTEND LOSS MIT TO 9/13/24
Matter ResolvedRequest
Adjourment
607/10/2024 9:00 am23-13282 / MBKJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $5,200.00
AMT: MP 7/10 HR

Debtor obj, filing MP<>FAILED TO PROVIDE ERMA DECISION BY 10/25/23, FILE MP AND/OR ADDRESS PRE-PET MTG ARREARAGE CLM
Matter ResolvedRequest
Adjourment
627/10/2024 9:00 am23-13977 / MBKKevin C. Fayette, Esq.Motion Relief from Co-Debtor StayContinued
7/24/2024 9:00 am
Total Paid In: $12,350.00
Creditor Atty - will check with client regarding conduit.
Debtor Atty - does not want conduit but okay with further default language.

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, can make pymt & requests recap<>PHH MTG/Summerhill Court (ROBERTSON)
Matter ResolvedRequest
Adjourment
637/10/2024 9:00 am23-14848 / MBKLaurence R. Sheller, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
7/24/2024 9:00 am

Debtor owes $2,500 which includes July (dm)
Trustee OBJ
Matter ResolvedRequest
Adjourment
647/10/2024 9:00 am23-15615 / MBKRobert Manchel, Esq.Motion Relief from Co-Debtor StayGrantedTotal Paid In: $10,057.00
US BANK TRUST/Barnsdale Dr (LOGS)
Matter ResolvedRequest
Adjourment
657/10/2024 9:00 am23-15702 / MBKCamille J. Kassar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/14/2024 9:00 am
Total Paid In: $9,750.00
Debtor obj, filed MP<>Failed to obtain Loan Mod by 5/31/24
Matter ResolvedRequest
Adjourment
667/10/2024 9:00 am23-16472 / MBKJohn Michael McDonnell, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Denied
NA
trustee obj:
The following items need to be resolved in order to vacate dismissal:
(1) The arrears need to be caught up to trustee
(2) The stay must be reinstated with Shellpoint
(3) All tax returns need to be filed
Matter ResolvedRequest
Adjourment
677/10/2024 9:00 am23-16826 / MBKJonathan Goldsmith Cohen, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $9,172.00
BRIDGET HARRIS (FUHRMAN & EDELMAN)
Matter ResolvedRequest
Adjourment
07/10/2024 9:00 am23-16826 / MBKJonathan Goldsmith Cohen, Esq.Motion Relief from Stay (Fee)MootTotal Paid In: $9,172.00
DUP OF #35
Matter ResolvedRequest
Adjourment
687/10/2024 9:00 am23-17490 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/14/2024 9:00 am
Total Paid In: $3,000.00
Debtor obj, filing MP<>FAILED TO SELL MEHAR PPTY BY 5/31/24
Matter ResolvedRequest
Adjourment
697/10/2024 9:00 am23-17713 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
Arrears/Stay Relief Deutsche Bank
Matter ResolvedRequest
Adjourment
707/10/2024 9:00 am23-18058 / MBKYakov Rudikh, Esq.Motion Relief from Co-Debtor StayWithdrawnTotal Paid In: $1,136.00
WELLS FARGO (LOGS)
Matter ResolvedRequest
Adjourment
717/10/2024 9:00 am23-18132 / MBKCandyce I. Smith-Sklar, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceGrantedTotal Paid In: $8,851.00
MTN TO APPROVE ERMA
Matter ResolvedRequest
Adjourment
727/10/2024 9:00 am23-18132 / MBKCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/28/2024 9:00 am
Total Paid In: $8,851.00
Motion to Approve ERMA funding was granted - need a MP to address claim - ADJ to 8/28

Debtor obj, filing MP<>FAILED TO OBTAIN LOAN MODIFICATION BY 3/29/24
Matter ResolvedRequest
Adjourment
737/10/2024 9:00 am23-18323 / MBKGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
ARREARS
Matter ResolvedRequest
Adjourment
747/10/2024 9:00 am23-19400 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/14/2024 9:00 am
Total Paid In: $4,000.00
Debtor obj filing loss mit extension<>Failed to obtain a Loan Mod by 5/29/24
Matter ResolvedRequest
Adjourment
757/10/2024 9:00 am23-19403 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayContinued
7/24/2024 9:00 am
Total Paid In: $6,682.00
Debtor obj, made pymt<>AMERICREDIT FINC (EISENBERG)
Matter ResolvedRequest
Adjourment
767/10/2024 9:00 am23-20501 / MBKMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/14/2024 9:00 am
Total Paid In: $2,800.00
Debtor obj<>Failed to Refi by 5/31/24
Matter ResolvedRequest
Adjourment
777/10/2024 9:00 am23-20639 / MBKFrederick J. Simon, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
Carrington Mtg obtained stay relief
Matter ResolvedRequest
Adjourment
787/10/2024 9:00 am23-20727 / MBKJames J. Cerbone, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $7,329.00
FORD MOTOR CREDIT (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
797/10/2024 9:00 am23-21198 / MBKCarol L. Knowlton, Esq.Motion Relief from Stay (Fee)Granted
HARLEY DAVIDSON /2008 HARLEY(STEWART LEGAL)
Matter ResolvedRequest
Adjourment
807/10/2024 9:00 am23-21198 / MBKCarol L. Knowlton, Esq.Motion Relief from Co-Debtor StayContinued
7/24/2024 9:00 am

ADJ to 7/24 Peremptory.

Debtor obj, made pymt<>SN SERVICING /London Dr (FRIEDMAN)
Matter ResolvedRequest
Adjourment
817/10/2024 9:00 am23-21918 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayContinued
8/14/2024 9:00 am
Total Paid In: $2,100.00
Debtor obj<>FAY/Center St (FRIEDMAN)
Matter ResolvedRequest
Adjourment
827/10/2024 9:00 am24-10016 / MBKGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)Order Previously Submitted
PINNACLE FEDERAL CREDIT UNION (Mckenna)
Matter ResolvedRequest
Adjourment
837/10/2024 9:00 am24-10016 / MBKGeorge E. Veitengruber, III, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
7/24/2024 9:00 am

Pinnacle FCU Obj (McKenna)<>MTN TO DISALLOW PINNACLE POC#2
Matter ResolvedRequest
Adjourment
847/10/2024 9:00 am24-10399 / MBKSteven J. Abelson, Esq.Motion Relief from Co-Debtor StayContinued
8/14/2024 9:00 am
Total Paid In: $8,159.00
Debtor obj, will pay<>NATIONSTAR MTG (LOGS)
Matter ResolvedRequest
Adjourment
857/10/2024 9:00 am24-10526 / MBKCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGranted
MTN REDUCE CLM#1
Matter ResolvedRequest
Adjourment
867/10/2024 9:00 am24-10993 / MBKGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)Granted
SANTANDER /2017 Jeep (EISENBERG)
Matter ResolvedRequest
Adjourment
877/10/2024 9:00 am24-11020 / MBKJohn Zimnis, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $1,600.00
MTN TO PAY LATE FILED FIG 20, LLC
Matter ResolvedRequest
Adjourment
887/10/2024 9:00 am24-11459 / MBKLaurence R. Sheller, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnTotal Paid In: $300.00


Per Atty, to be withdrawn.
Matter ResolvedRequest
Adjourment
897/10/2024 9:00 am24-11680 / MBKPRO SEMotion Reinstate StayMoot - Dismissed
MTN REINSTATE STAY
Matter ResolvedRequest
Adjourment
907/10/2024 9:00 am24-11815 / MBKJeffrey E. Jenkins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order to be Submitted
OTBS
- Conf 8/28
- $1,880 to be remitted to Trustee immediately

GET ALL 341 DOCS
$933 posted after dismissal and Atty is holding $1,880 in certified funds (dm)
Matter ResolvedRequest
Adjourment
917/10/2024 9:00 am24-12299 / MBKCandyce I. Smith-Sklar, Esq.Motion File Claim After Claims Bar DateGranted
LATE POC
Matter ResolvedRequest
Adjourment
927/10/2024 9:00 am24-12379 / MBKSteven J. Abelson, Esq.Motion SellOrder to be SubmittedTotal Paid In: $800.00
Nationstar obj (Stern & L) <> MTN TO SELL BELL COURT PPTY
Matter ResolvedRequest
Adjourment
937/10/2024 9:00 am24-12909 / MBKRobert C. Nisenson, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $800.00
MTN ALLOW LATE CLM (SUNNOVA ENERGY
Matter ResolvedRequest
Adjourment
947/10/2024 9:00 am24-14270 / MBKRobert Cameron Legg, Esq.Motion SellOrder to be Submitted
It will be 100% but should say all non exempt if case not confirmed on 7/10 edc

U.s. Bank limited obj ( Friedman Vartolo)<> LAURELTON AV
Matter ResolvedRequest
Adjourment
957/10/2024 9:00 am24-14361 / MBKDaniel E. Straffi, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGranted
LOSS MIT/SHELLPOINT
Matter ResolvedRequest
Adjourment
967/10/2024 9:00 am24-14369 / MBKDaniel E. Straffi, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGranted
LOSS MIT/CARRINGTON MTG
Matter ResolvedRequest
Adjourment
977/10/2024 9:00 am24-14831 / MBKEugene D. RothMotion Relief from Stay (Fee)On the Papers
AR ON THE PAPERS IF COURT NEEDS INFO WILL REACH OUT TO PARTIES CONF ADJ TO 8-28 -24
Debtor obj<>PHILLIP WASHINGTON (RICHARD VRHOVC)
Matter ResolvedRequest
Adjourment
987/10/2024 9:00 am24-15035 / MBKPRO SEMotion Relief from Stay (Fee)Granted
FIRST HARVEST CREDIT UNION /2016 Land Rover(ROBERT MALLOY)
Matter ResolvedRequest
Adjourment
997/10/2024 9:00 am24-15861 / MBKJoseph Casello, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN EXTEND STAY
Matter ResolvedRequest
Adjourment
1007/10/2024 9:00 am24-16322 / MBKYakov Rudikh, Esq.Order Shorten TimeContinued
7/24/2024 9:00 am

ADJ to 7/24 for Amended Cert - Bridge Order to be submitted to 7/24 (dm)

OST - MTN TO IMPOSE STAY

What are the change in circumstances? (dm)
Matter ResolvedRequest
Adjourment
07/10/2024 10:00 am20-14335 / SLMScott D. Sherman, Esq.Motion Relief from Stay (Fee)Continued
8/14/2024 10:00 am
Total Paid In: $13,260.00
Debtor obj<>ALLY BANK/2020 Grand Cher (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
1017/10/2024 10:00 am21-12175 / MBKJoseph Casello, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 33 of 40 required payments   Arrears: $0  
Total Paid In: $61,552.00
As of 7/9/24 (DS): Ok to confirm at $61,552 paid, $3,914 x 20 begin 8/1/24; 100% to gucs

1. Due to disposable income $3,197 (removings social security income), plus 22c disposable income $2,343. Plan will need to remain 100% as previously confirmed.

MP Prop $1,880 x 37; $3,600 x 23; Base
- Adds post-petition property taxes paid by Mortgage Assets Management/Nationstar $32,508.39.
Matter ResolvedRequest
Adjourment
1027/10/2024 10:00 am22-12768 / MBKRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 20 of 27 required payments   Arrears: $813.00  Total Paid In: $57,840.00
AS OF 7/5/24 (SF)

RECOMMEND $55,758 PTD, $2895 X 34 (BEGIN 7/1/24) 0% PLAN
- Section 7(a) as pertains to State of New Jersey is stricken from the Chapter 13 Plan. NJ Division of
Taxation, court claim #16-1, shall be paid as filed pursuant to the terms of the November 9, 2022
confirmation.



MP proposes $2082 x 24; $2895 x 36 0% Plan
Plan has run 27 months with 33 months remaining


Matter ResolvedRequest
Adjourment
1037/10/2024 10:00 am22-16350 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 21 of 23 required payments   Arrears: $368.00  Total Paid In: $16,192.00
As of 7/2/24 (DS): Ok to confirm at $16,192 paid, $781 x 37 begin 8/1/24; 100% to gucs and fee app within 7 days from conf

MP Prop $14,656 PTD; $781 x 51; 100%
- Plan remains 100%, but is rejecting auto lease with Hyundai on 2021 Hyundai Elantra.
Matter ResolvedRequest
Adjourment
1047/10/2024 10:00 am22-17993 / MBKDavid G. Beslow, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 20 of 21 required payments   Arrears: $210.00  Total Paid In: $4,110.00
Atty accepts terms (dm)
ISSUES AS OF 6/28/2024 (DM):

***If no objection to the MP is filed by Deutsche Bank (McCalla Raymer), THEN TRUSTEE CAN RECOMMEND CONFIRMATION AT $4,110 PTD, THEN $210 x 30 STARTING 7/1/24, BASE PLAN, REFI ON DEUTSCHE BANK LOAN BY 7/15/25, NO PAYMENT OR RESERVE BY TRUSTEE ON DEUTSCHE BANK POC (24-1) PENDING THE REFI, TRUSTEE SHALL PAY $688 FEES/COSTS TO DEUTSCHE BANK PER ORDER DOC #72, DATED 7/31/23***


Confirmed Case: $2,640 Ptd, then $210 x 33, Base Plan.
- sale of Wayside Ln by 3/15/24 plus non-exempt proceeds.
Prop. MP: $3,900 Ptd, $210 x 31, Base Plan.
- Refi of Wayside Ln within 12 months.
PTD = $4,110, Arrears $0 as MP filed.
Last Claim (12-2) dated 4/24/24.
Matter ResolvedRequest
Adjourment
1057/10/2024 10:00 am22-17996 / MBKPeter E. Zimnis, Esq.Final Confirmation HearingConfirmedDebtor has made 20 of 21 required payments   Arrears: $100.00  Total Paid In: $2,000.00
ISSUES AS OF 7/9/2024 (DM):

***Settlement (received by Abelson) between debtor and EGR/AGR will be a $50,000 mortgage against non-debtor spouse's property with no impact on the plan. RECOMMEND FINAL CONFIRMATION AT $2,000 PTD, THEN $100 x 21 STARTING 7/1/24, BASE PLAN, OTBS BY EGR/AGR WITHIN 30 DAYS***

 ADJ to 7/10/24 Peremptory.

 ADJ to 6/26 - place on for 2 PM Hold for Judge - note that Peter is coming back from a flight, so may need to contact John (dm)

 Adv. Pro. filed by EGR is scheduled for trial on 6/12/24.

1) EGR LLLP and AGR Family LLLP (Abelson) objection to confirmation - plan is not filed in good faith.
- Support Doc #28 was filed by debtor on 1/14/24.
- Abelson Response Doc #27 filed 12/8/23.
- Response Doc #26 filed by debtor on 11/16/23.
(UNRESOLVED)

***RESOLVED ISSUES***

A) Lakeland Bank filed $793.58 arrears claim on Hopewell Rocky Hill Rd property not treated in the plan (ADDED PAYMENT TO THE INTERIM CONFIRMING ORDER).

B) Trustee OBJ:
- Need to provide a copy of the 2021 tax return (RECEIVED).
- Need to file amended Sch I&J for total household income and expenses (FILED).
- Need to file Pre-Confirmation Certification (FILED).


Interim Confirmed Case: $1,400 Ptd, $100 x 27, Base Plan.
Prop. MP: None.
PTD = $2,000, Arrears N/A as MP filed.
Last Claim (10-1) dated 12/27/22.
Matter ResolvedRequest
Adjourment
1067/10/2024 10:00 am22-17996 / MBKPeter E. Zimnis, Esq.AP Hearing Rescheduled (Document)Consent Order to be SubmittedTotal Paid In: $2,000.00
ADJ to 7/10/24 Peremptory.
AP 23-1001 E.R.G LLP, AGR FAMILY LLLP VS. KELLY --TRIAL
Matter ResolvedRequest
Adjourment
1077/10/2024 10:00 am22-18791 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 20 of 20 required payments   Arrears: $0  
Total Paid In: $3,000.00
AS OF 7/10/24 (SF) UPDATED

RECOMMEND $3000 PTD, $150 X 40 100% PLAN W/MIN DIV OF $4537 TO GUCS PER NONEXEMPT EQUITY; SALE OF REAL ESTATE BY 7/31/24
- NONEXEMPT PROCEEDS FROM SALE OF REAL ESTATE TO BE TURNED OVER TO THE TRUSTEE BY 7/31/24
- ORDER TO SELL TO BE PROVIDED WITHIN 14 DAYS



CLOSE DATE JUNE 28TH (NEED STATUS)

AS OF 7/3/24 (SF)

1. Modified plan removes loan mod and proposes a sale. Sale date has already passed (Need status of debtor's intention to sell)

2. Trustee motion to dismiss scheduled for 7/10 at 9 (CAN BE WITHDRAWN)



MP proposes $150 x 60 100% Plan; sale by 3/1/24
Plan has run 17 months with 43 months remaining
Removes loss mit as debtor was denied. Now proposes a sale

RESOLVED ISSUES:
- Motion for Compensation by Attorney Goldsmith-Cohen scheduled for 5/8 at 2 (Moot)
Matter ResolvedRequest
Adjourment
1087/10/2024 10:00 am23-10799 / MBKAllen I. Gorski, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 6 of 9 required payments   Arrears: $300.00  
NA - Plan is Denied. Will contact Ch. 7 Trustee to file Motion to Reconvert.

ISSUES AS OF 6/28/2024 (DM): no commitment shown by debtor to make at least the disposable income payment to fund the plan while PI claim is pending - RECOMMEND RECONVERSION TO CH. 7.

 ADJ 7/10/24 Peremptory - Atty provided DM with updated income showing about $550 in disposable income. He wants to get documentation regarding paying DSO directly outside the plan (UNRESOLVED.)

***Debtor needs $676/month to fund the plan. Trustee needs to see commitment from the debtor by making the higher payment before confirming case***

 ADJ to 5/8 Peremptory to address feasibility (UPDATED PAY STUBS RECEIVED SHOWING $579 IN MONTHLY DISPOSABLE INCOME.)

1) Debtor needs to file a POC on behalf of the DSO recipient (LATE FILED CLAIM FILED BY DEBTOR'S COUNSEL.)

2) Trustee OBJ:
- Plan is not feasible - Plan only proposes $100 x 36 months plus speculative PI claim - minimum funding for the plan consists of $11.2k DSO claim, $3.6k claim for Chapter 7 Trustee fees, $9.9k claim for Atty representing Ch 7 Trustee, and $8.7k Debtor Atty fee plus Trustee comp.

- Must file Chapter 13 Attorney Disclosure form (UNRESOLVED.)
- Need to amend Sch B & C to add bank acct shown on debtor's pay stubs (UNRESOLVED.)
- PI claim is speculative, so plan payments need to be increased to pay claims.

***RESOLVED ISSUES***

 ADJ by MBK to 3/13/24 - Atty to provide updated with respect to tax issue (gas tax credit.) Note that as of 2/14/24, the tax return has not been amended and the debtor has not received the $30k tax refund (TAX RETURN WAS AMENDED 3/6/24 - dm)

A) Trustee OBJ:
- 2022 tax refund $30,215 not listed on Sched I as income (see Ch. 7 Trustee Doc #34. Tax return was amended 3/6/24.)
- Disposable income verifies at $460/month, plus prorated tax refund of $30,215 ($2,517.91/month) results in $2,978 monthly disposable income (HAVE TAX RETURNS BEEN AMENDED? WHERE IS THE $30k REFUND? Tax return was amended 3/6/24.)
- N
Matter ResolvedRequest
Adjourment
1097/10/2024 10:00 am23-10913 / MBKThomas G. Egner, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 15 of 17 required payments   Arrears: $0  
Total Paid In: $8,182.00
7/2 workup

MP surrenders vehicle

CONF at $7952 paid then $545 x 43 beg 8/1 pro rata with $3300 min. to gucs--surrender CarMax
Matter ResolvedRequest
Adjourment
1117/10/2024 10:00 am23-11998 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanContinued
7/24/2024 10:00 am
Debtor has made 65 of 16 required payments   Arrears: $0  
Total Paid In: $48,768.00
ADJ to 7/24 to double check numbers.
ISSUES AS OF 6/28/2024 (DM): updated 7/9/24.

 Pending motions to expunge claims 2, 3, 4, 7 & 8. Need outcome of motions.

***Trustee received proceeds from sale. If expungement motions are granted, THEN TO CONFIRM DEBTOR NEEDS $48,768.12 PTD, NO FURTHER PAYMENTS,BASE PLAN, DEBTOR SHALL BE PAID A $17,900 EXEMPTION FROM FUNDS ON HAND, STRIKE PART 3a, 4a, 4g, and 7b***

1) IRS amended priority claim ($12.345.42) is higher than provided for ($7,715.30) in the MP (PAY PER AMENDED POC??)

2) Need to review HUD-1 (SUPPORT DOC #66) to see if Lakeview Loan/M&T Bank was paid at sale or if proceeds from sale were sent to the Trustee to pay creditor. If 1st mortgage was paid at sale, then we need to strike Part 4a, 4g and 7b which does not have a corresponding provision in Part 4d.

3) MP provides $534 priority treatment to Trenton Water Works - creditor filed a secured claim - need to check HUD-1 to see if this was paid at closing. If paid, then we need to strike treatment in Part 3a.

Note - pending Fee App (GRANTED)


Confirmed Case: $1,923.48 Ptd, then $380 x 5, $745 x 48, Base Plan.
Prop. MP: Ptd, $313.80 x 13, $607.02 x 47, Base Plan.
- sale of real estate by 4/25/24.
PTD = $48,768.12, Arrears $233 as MP filed.
Last Claim (8-2) dated 6/20/23.
Matter ResolvedRequest
Adjourment
1127/10/2024 10:00 am23-13282 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 13 of 15 required payments   Arrears: $0  
Total Paid In: $5,200.00
7/9/24 - Atty accepts terms (dm)
AS OF 7/9/2024 (at):

RECOMMEND: $4,800 PAID TO DATE, $400 x 45 BEGINNING 8/1/2024, REFINANCE BY 4/10/2025, BASE WITH A MINIMUM OF $16,424 TO UNSECURED CREDITORS
Low base pending refinance.
Preserve non exempt equity of $16,424.

1. Objection filed by New Rez/Shellpoint (Stewart Legal) - creditor objects to any refinance that does not pay the creditor in full. (RESOLVED - REFINANCE BY 5/1/2025)

MP proposes: $200 x 4 beginning 5/1/2023, $400 x 56, refinance by 5/1/2025, base
Arrears: $400
(The debtor was going to partially fund the plan from the proceeds of wife's disability claim. The claim was denied so the additional funding will now come from a refinance of the property)
Matter ResolvedRequest
Adjourment
1137/10/2024 10:00 am23-13915 / MBKCamille J. Kassar, Esq.Confirmation Hearing on Modified PlanContinued
8/14/2024 10:00 am
Debtor has made 12 of 14 required payments   Arrears: $6,282.00  
Per AR ADJ to 8/14 Peremptory to be current.
Needs to contact RAS after Servicer change (Kim confirms that they have the filed.)

7/1 workup for the 7/10 calendar EDC
same as last few times

ADJ to 5/8 Peremptory
ADJ to 3/13 to see where Loan Mod app is - NEED UPDATED FROM NEW REZ

-12 months old -- 2nd MP filed that attempts to extend LM date and raise trustee payments - wants 3/30/24 as new LM date. There is only $1500 in monthly disposable income but wants to pay over $4800 to trustee.

- NewRez LLC d/b/a Shellpoint Mortgage Servicing (Pincus Law Group) objection to confirmation - estimated pre-petition arrears $147,878.16
---WHAT IS LM STATUS?

** Trustee objection to confirmation - need to resolve
- Schedule J does not include mortgage expense for the Lavallette property.
- The proof of income provided is approximately $3,000 less than provided in the schedules. The debtor needs to provide updated proof of income.



proposed MP plan paid to date then 4802 x 51 beg 2/1/24 100% PLAN WITH LOAN MOD BY 3/31/2024

---------------------
resolved:
- Need to file Pre-Confirmation Certification with Court - FILED, RESOLVED
- A copy of the homeowner's insurance renewal declaration - policy for W. Dune Way property, RESOLVED, THIS POLICY ALSO COVERS THE VACANT LAND AT 120 W DUNE WAY (LISTED UNDER OTHER INSURED LOCATIONS)
- A Modified Plan that includes the IRS claims, RESOLVED
Matter ResolvedRequest
Adjourment
1147/10/2024 10:00 am23-14823 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 11 of 13 required payments   Arrears: $1,494.00  
6/28/24 - Consent Order submitted to Chambers provides that debtor shall file a MP within 10 days that incorporates the terms of the settlement. Thus, current Plan should be Denied (dm)

ISSUES AS OF 5/15/2024 (DM):

 Motion to Compel Discovery pending and Motion to Modify Claim pending. Dispute regarding whether Loan Mod was accepted and properly returned to creditor (2nd REVISED JOINT SCHEDULING ORDER DOC #53 - CREDITOR BRIEF IN SUPPORT OF POC FILED AS DOC #47 - DEBTOR REPLY BRIEF DUE BY 5/17/24.)

 If Loan Mod issue is resolved, there are only $8k in GUCs.

1) US Bank (HLADIK, ONORATO & FEDERMAN) OBJs - arrears owed more than $70,000 - POC filed with $169,989.11 arrears (UNRESOLVED.)

2) State of NJ filed $2,656.96 amended priority claim not treated in the plan (OKAY TO ADD??)

3) Trustee OBJ:
- Debtor needs to provide a certification regarding the $140,000 received form the 3rd party claim and how the money was spent (UNRESOLVED.)
- There is $106,468 non-exempt equity in bank acct. Plan is 100%. Why is Trustee not receiving all of this money?
- This is the 4th filing since 2019 and should require both eWage and conduit payments.
- Any dismissal of this case should result in a one-year bar to refiling.
- Must file Pre-Confirmation Certificate (UNRESOLVED.)
- Need 2022 tax return (RECEIVED.)
- Excessive Expenses Sch J: Food $650 and Transportation $906. Trustee will allow as long as plan remains 100%.


Prop. Plan $747 x 60, Plus $70,000, 100% Plan
PTD 11/12 = $8,217
Last Claim (4-2)
Matter ResolvedRequest
Adjourment
1157/10/2024 10:00 am23-16995 / MBKBrad J. Sadek, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 11 required payments   Arrears: $0  

ISSUES AS OF 6/18/2024 (DM): updated 7/9/24.

***Debtor has not returned to work yet. Trustee received a copy of the executed HUD-1 from the sale. Sale proceeds received and exemption balance will be turned over to the debtor. TRUSTEE CAN RECOMMEND CONFIRMATION AT $24,828.08 PTD, THEN $150 x 49 STARTING 8/1/24, PLUS ALL NON-EXEMPT PROCEEDS FROM SALE OF JAMESTOWN RD PROPERTY (received), BASE PLAN, DEBTOR SHALL FILE AN AMENDED SCH I & J WITH UPDATED PROOF OF INCOME BY 11/1/24***

 ADJ to 7/10/24 Peremptory.

 ADJ to 6/26/24 Peremptory.

 3/21/24 - received 1 full pay stub from new job. Debtor is about to have a medical procedure. Need to ADJ to 5/22 for debtor to clear medical procedure and provide additional full pay stubs and updated information on the spouse's expenses (dm)

1) Trustee OBJ:
- Excessive Expenses: Tele/internet/cable $300 (BILL FOR $147), cell phone $419 (BILL FOR $184), auto insurance $308 (WHY GEICO QUOTE UPLOADED - WE HAVE A STATE FARM POLICY FOR THE CARS), car lease for spouse $740 (NO PROOF) and additional spouse car payment $500 (NO PROOF & WHY AN EXTRA CAR?), non-filing spouse unsecured personal loans $1,000 (2 LOAN STATEMENTS UPLOADED WITH NO IDENTIFYING INFORMATION) and credit card payments $1,550 (APPLE STATEMENT CONFUSING. MINIMUM PAYMENTS TOTAL ABOUT $600) Must provide proof of all expenses 10 days prior to confirmation (UNRESOLVED.)

- Pending proof of income from Debtor and proof of excessive expenses, there may be disposable income. With the debtors return to work, income verified higher than amount on Sch I. There is now $680 monthly disposable income. (RECEIVED CERT FROM DEBTOR EXPLAINING MEDICAL CONDITION.)

- The $2,703 tax refund was not prorated and included in the disposable income calculation.


***RESOLVED ISSUES***

A) Lakeview Loan Servicing (McCabe Weisberg) OBJs - $2,305.22 arrears on Jamestown Rd property not treated in the plan (CO ENTERED TO PAY.)

B) Trustee OBJ:
- Need CMA with comparatives used to determine value
Matter ResolvedRequest
Adjourment
1167/10/2024 10:00 am23-17810 / MBKBrad J. Sadek, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
7/24/2024 9:00 am

Trustee objection:

-need all money
-The debtor needs to resolve all confirmation issues including proof of income, expense issues, disposable income, car insurance payments for daughter
Matter ResolvedRequest
Adjourment
1177/10/2024 10:00 am23-19605 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 8 of 9 required payments   Arrears: $300.00  
AR RESOLVE OR HOLD
ISSUES AS OF 6/28/2024 (DM):

1) US Bank/Rushmore (Emmanuel Argentieri) OBJs - blanket objection? (UNRESOLVED.)

2) Crescent Bank filed $7,163.14 arrears claim on 2019 Nissan Altima not treated in the plan (OKAY TO PAY??)

3) Credit Acceptance filed $11,182.75 arrears claim on 2019 Chevy Equinox not treated in the plan (OKAY TO PAY??)

4) Trustee OBJ:
- Excessive Expenses: transportation $550, auto insurance $479, 2 car payments $687 and $673.

***RESOLVED ISSUES***

A) Trustee OBJ:
- Must file Pre-confirmation certificate (FILED.)
- 2 auto claims filed with arrears owed, plan has outside: Crescent Bank arrears $7,163.14
and Credit Acceptance arrears $11,182.75. Both need to be paid or move against the claims. (LISTED ABOVE.)
- Tax refund in the amount of $3,252 was not prorated and included in disposable income calculation (AVERAGED/ADDED TO INCOME.)
- Debtor has insufficient income (DEBTOR BACK TO WORK & HAS MORE CONTRIBUTORS.)
- Debtor has failed to file a feasible plan (MOOT.)
- Need proof of income for Debtor from Ocean Medical Ctr and Olive Garden (RECEIVED PAY STUBS FROM DEBTOR'S JOB AT HACKENSACK MERIDIAN HEALTH PER AMENDED SCH I.)


Prop. Plan $300 x 60, Base Plan.
- Loan Mod by 5/1/24.
PTD 8/8 = $2,400
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
1187/10/2024 10:00 am23-19709 / MBKRussell L. Low, Esq.Confirmation Hearing on Modified PlanDismissed - Hold FeesDebtor has made 8 of 8 required payments   Arrears: $0  

7/10/24(mk) EMAIL FROM ATTY OFFICE- OK TO MARK DISMISS/HOLD FEES

7/1 workup EDC
SAME AS LAST 2 TIMES-case is 8 months old and no claim yet. He needs to file a motion to file claim on behalf of landlord and then re-file MP if he wants. STILL NOT DONE

1. Need a Consent order or a proof of claim and motion to allow late claim to pay the landlord.

MP proposes: $872 x 36 beginning 12/1/2023, base--
Payments: 3/3
(Added Arrears of the Landlord)
Matter ResolvedRequest
Adjourment
1197/10/2024 10:00 am23-19807 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 5 of 8 required payments   Arrears: $420.00  Total Paid In: $2,223.00
ISSUES AS OF 6/28/2024 (DM): updated 7/5/24.

***Amended Sch. C has been filed. TRUSTEE CAN RECOMMENDCONFIRMATION AT $2,223 PTD, THEN $420 x 53 STARTING 7/1/24, BASE PLAN, STUDENT LOANS TREATED OUTSIDE THE PLAN, TRUSTEE STANDARD ORDER OF DISTRIBUTION***

1) Truste Supp OBJ:
- MP reduced the plan payment to $390 when disposable income is $1,261 per month (SCH J AMENDED - EXP OKAY - DISPOSABLE INCOME IS NOW $400 PER MONTH.)

2) Trustee OBJ:
- There is $28,156 non-exempt equity in real property - no exemption was claimed on Sch C (POC CAME IN HIGHER - NOW $15,433 BEFORE EXEMPTION TAKEN.)
- Need Trustee standard order of distribution (ADD TO CONFIRMING ORDER.)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Tax refund of $2,494 was not prorated and included in disposable income calculation (AMENDED SCH I FILED.)
- Plan does not specify treatment of Credito Real USA for 2018 Mitsubishi Mirage (RESOLVED BY MP.)
- Need MP that propose a tier plan payment when car payment $220 ends in month 30 (DEBTOR IS BELOW MEDIAN, PLAN IS 60 MONTHS, AND TOTAL PAYMENTS EXCEED WHAT WOULD BE THE MINIMUM BASE.)
- Need to file Pre-Confirmation Certificate (FILED.)


Prop. Plan $390 x 60, Base Plan
- student loans outside the plan.
PTD 5.5/7 = $2,223
Last Claim (5-1)
Matter ResolvedRequest
Adjourment
1217/10/2024 10:00 am23-19849 / MBKFrancis P. Cullari, Esq.Confirmation Hearing on Modified PlanContinued
8/14/2024 10:00 am
Debtor has made 3 of 8 required payments   Arrears: $6,200.00  Total Paid In: $7,400.00
As of 6/20/824 (DS): Debtor atty requested adj due to being away from 6/28-7/9. Per motion to sell, sale to occur on or before 7/12/24, motion to sell is sched 7/24/24.
Matter ResolvedRequest
Adjourment
1227/10/2024 10:00 am23-20451 / MBKBrad J. Sadek, Esq.Confirmation Hearing ScheduledContinued
7/24/2024 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $786.00  
ADJ to 7/24 - Atty will email Mary regarding plan term (dm)

7/10/24(mk): DUE TO DISPOS INCOME AS HIGH AS 6,000 P/M- PLAN CAN BE 100% AND SHORTENED. HERE ARE OPTIONS:

$ 8,649.99 PTD THEN 2,437 X 40 Begin 8/1/24 100% (plan shortened to total 48 mos)

OR

$8,649.99 PTD THEN 3,481 x 28 Begin 8/1/24 100%(Plan shortened to total 36 mos.)

mk sent email back to atty on options

---

mk: sent atty reply email on this..am now working up at 100% -will get back to you

7/10/24(mk) : yesterday uploaded POI for 2nd job and filed amended I & J today 7/10 - THE AMENDED SCHEDULES SHOW DISPOS INCOME OF 7,144.24 AND VERIFED INCOME I COME UP W/ is 6,501 IN DISPO INCOME - SO PLAN PAYMENT CAN'T BE ONLY 1,463 PER MONTH

**AR RESOLVE OR HOLD


7/3/24(mk) waiting for non filing spouse secondary POI and Amended I & J-also does spouse still receive child support??


6/11/24(mk) atty email says: submitted today proof of income for Mr. Joseph regarding his primary and secondary employers as well as his wifes primary employer. Additionally, 2023 TR and PCC have been submitted. We are awaiting updated proof of income from the wifes secondary employer to prepare the Amended Schedules I and J. We have spoken with our client and he is amenable to CONDUIT. We will be appearing on this matter to discuss in detail.

--2023 tax return uploaded- NOT SIGNED - was it filed w/ IRS?


As of 6/5/24(mk):

>>when MFR was settled to add post pet of 12,738.61 to plan TR objects to MP unless terms include Conduit Payments.

Nothing was resolved from last plan that was denied as far as Amended I & J and POI and tax return for 2023

1. TR Objection:
No amended I and J filed or updated POI and 2023 tax return
1. Trustee Objection:
- FROM LAST PLAN:INCOME VERIFIES MUCH HIGHER THAN SCHEDULDED.
Disp. income is 7,963. bar date has passed and GUC total is $34,011.11
- Need Amend Schedule I and provide proof of income for new part -time job with Community Medical Center and new main job at St. P
Matter ResolvedRequest
Adjourment
1237/10/2024 10:00 am23-20977 / MBKDouglas T. Tabachnik Confirmation Hearing ScheduledWithdrawnDebtor has made 2 of 8 required payments   Arrears: $20,335.00  
6/4 Workup for the 6/12 calendar
--adjourned twice to resolve issues "NO FURTHER ADJOURNEMNTS


*NJ Div of Tax filed objection to plan-WANTS TO BE PAID THROUGH PLAN

*Trustee obj:
--Proof of 2 month's income - for tutoring. Only one deposit of $4,000 for December
provided.
Need October and November statements for Venmo account.
--A Modified Plan needs to be filed that steps up trustee payment by $500 in February, 2025 when car loan is paid off.
--Need Amendments to Schedules C. Current C provides no dollar amounts.
--The debtor(s) plan consists of unnecessary or excessive expense items, such as: $1,527 &
658/month car payments
--$242.18/month for student loans (need proof these are being paid) DONE
--$650/month for cable/internet/phone
--$300/month for personal care
--Need proof of excessive expenses 10 days prior to confirmation. Plan is 100% and as
long as it remains that Tr will allow expenses.
--Verified income leaves monthly disposable income of $3,766.48.
--The current Plan does not specify treatment of Ally Capital 's secured arrears claim under
the Plan.
--There is $90,000 in non exempt equity in the whole life insurance policy.
---There is $34,175 in non exempt equity in the Capital One 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.
--Plan proposes to pay priority claims outside of the plan. (priority claims total $133,848 )
--Need proof of insurance for the 2019 Subaru. DONE

Prop Plan $1,201.52 x 60 begin 12/1/23; 100%
Matter ResolvedRequest
Adjourment
1247/10/2024 10:00 am23-21257 / MBKMaryBeth Schroeder, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 6 of 7 required payments   Arrears: $405.00  
ISSUES AS OF 6/28/2024 (DM): Atty agrees to terms

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $2,430 PTD, THEN $405 x 54 STARTING 7/1/24, 100% PLAN WITH $160,000 THRESHOLD PRESERVED, TRUSTEE IS AUTHORIZED TO PAY THE LATE POC (3-1) OF NEW REZ/SHELLPOINT, TRUSTEE STANDARD ORDER OF DISTRIBUTION***

1) NewRez/Shellpoint (BROCK) OBJs - creditor anticipates filing $17,859.40 arrears claim (LATE CLAIM FILED FOR $16,681.97 ARREARS - CO ENTERED.)

2) Trustee OBJ:
- Need a MP that selects an option in Part 8a, 8d, and provides the Trustee Standard Order of Distribution in Part 8c (MP FILED - ORDER OF DISTRIBUTION IS OFF.)
- There is $160,444 non-exempt equity in real property. Plan needs to be 100% and not a
minimum dividend of $1,075.26. Only $1,295 GUCs filed (MP IS A BASE.)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Debtor has failed to file a feasible plan (MP FILED.)
- Must file Pre-Confirmation Certificate (FILED.)


Prop. Plan $405 x 60, Base Plan.
PTD 6/6 = $2,430
Last Claim (3-1)
Matter ResolvedRequest
Adjourment
1257/10/2024 10:00 am23-21581 / MBKDavid G. Esposito, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 6 of 7 required payments   Arrears: $0  
Total Paid In: $900.00
updated 7/9/2024 (JMA)
issues as of 7/1/2024 (JMA)

OK TO CONFIRM AT $900 PAID TO DATE, $150X17 BEGIN 8/1/2024, $359X36 BEGIN 1/1/2026, 100% PLAN WITH MINIMUM $313,580 DIVIDEND TO GUCS NON-EXEMPT EQUITY

1) Trustee objection to confirmation - need to resolve
- Amendments to Schedules J to list monthly expenses. and sch I for VA disability AMENDED SCHEDULE I INCLUDES "INCOME FROM OTHER SOURCES $341" PROOF OF VA BENEFITS PROVIDED. 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 $330,022 in non exempt equity in the residence. Needs to be 100% plan.
- Use Trustee standard order of distribution.

proposed plan $150X24, $358.94X36 REFI BY 6/1/2025 100% PLAN
paid in $800
arrears $250
last claim 4-1

RESOLVED ISSUES:

- A copy of the last filed tax return - for 2022 or certification of non filing. RESOLVED, DECLARATION NON FILING PROVIDED
- A Modified Plan that completes part 5a. RESOLVED, MODIFIED PLAN PART 5a PAYS 100% TO GUCS
- Need to file Pre-Confirmation Certification. RESOLVED, FILED
Matter ResolvedRequest
Adjourment
1267/10/2024 10:00 am24-10016 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

ADJ to 8/14 - RAS has a mortgage that matures during the BK - Atty needs to address.

As of 6/26/24 (DS): 1. MFR filed by Pinnacle FCU and sched 7/10/24. Motion to Disallow claim is also sched 7/10/24. Need outcome.

2. Ponte De Jardin Condo Assoc. filed arrears claim $25,928.33. Plan has unknown. Claim needs to be paid or move against claim.

3. BELOW ISSUES REMAIN UNRESOLVED. CASE WAS PREVIOUSLY ADJOURNED AS PEREMPTORY NO FURTHER ADJOURNMENTS. ALL ISSUES WERE TO BE RESOLVED.

As of 5/24/24 (DS): Debtor atty requested adj to allow time to resolve motion on PNC Bank - adjourned peremptory, must resolve all issues by next hearing

$1,372 TFS payment in transit - ADJ to 6/12

4/24/24 (DS): 1. BELOW ISSUES REMAIN UNRESOLVED.

As of 3/12/24 (DS): Debtor atty requested adjournment and provided proof of TFS payment made $1,372. AS OF 4/19/24 ONLY 1 PYMT MADE SINCE LAST HEARING IN MARCH. ARREARS $2,744, MADE 1 OUT OF 3 PYMTS.

3/13/24 (DS): 1. No Trustee payments made, Debtor in arrears $2,744, made 0 out of 2 payments.

2. Trustee obj to the following:
- Debtor has undertaken an improper use of exemption. Specifically: Over exempts d(5) by $1,539.30, takes full d(1) on real property, which leaves d(5) at $1,475 allowed exemption.
- 22c Line 13b takes $323, but car loan in 60 months is $542.24, which should be $86.76 deducted and Line 30 takes additional food/clothing $28 total disposable income with Line 45 having $2,575.55 should be $2,839.79, which would require minimum dividend $170,387.40 to gucs. Plan pays 100%.
- Sched I fails to add tax refund $9,559 when determining disposable income.
- There is estimated non-exempt equity in real property $137,406.80 (pending the motion disallowing Pinnacle FCU claim, which needs to be resolved) and in Citizens Bank ckg acct#2026 $1,539.30.
- Must resolve all creditor objections filed.

3. Pinnacle FCU (MICHAEL DUPONT) obj plan fails to mention arrears owed, POC filed with arrears $34,830. Obj must be resolved. MOTION TO DISAL
Matter ResolvedRequest
Adjourment
1277/10/2024 10:00 am24-10214 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $24,000.00  
Matter ResolvedRequest
Adjourment
1287/10/2024 10:00 am24-10526 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledRecommend DenialDebtor has made 7 of 6 required payments   Arrears: $0  

Recommend Denial - MP filed and already scheduled for 8/14/24 (dm)
ISSUES AS OF 6/28/2024 (DM):

1) State of NJ filed $1,667.72 priority claim not treated in the plan (MOTION TO MODIFY AND EXPUNGE CLAIM SCHEDULED FOR 7/10/24.)

2) State of NJ filed a higher $30,982.30 secured claim (MOTION TO MODIFY AND EXPUNGE CLAIM SCHEDULED FOR 7/10/24.)

3) Plan provides $5,582.14 priority treatment to Township of Woodbridge - no POC filed (STRIKE??)

4) Wells Fargo (POWERS) OBJs - treatment of the creditor in the proposed plan is unclear - $6,378 was advanced for unpaid taxes and insurance - need to check with RAS on this objection (UNRESOLVED.)

6) Trustee OBJ:
- Need MP that removes Pro Build Company from Part 4g, due to being on Motions to Avoid on Part 7a and 7b (UNRESOLVED.)
- Need reevaluate liquidation analysis after pending motions decided. (UNRESOLVED.)
- Homeowner insurance page 8 list insurance for jewelry valued $9,550. Sch B has jewelry (chains, rings and watches) $800. There would be $7,675 NE equity in jewelry, after using full 522(d)(4) exemption (LANGUAGE ADDED.)

***RESOLVED ISSUES***

A) IRS filed $103,965 priority claim that includes estimated taxes for 2023 (ORDER ENTERED AND POC AMENDED.)

B) Trustee OBJ:
- Debtor has failed to file a feasible plan - tax claims are much higher and will require a much higher Trustee payment - estimated $2,600 (PENDING MOTIONS TO MODIFY/EXPUNGE.)
- Debtor has failed to provide proof of service with respect to Plan Motions (CERT OF SERVICE FILED.)
- Need homeowners insurance renewal for 205 Bloomfield Ave property (RECEIVED.)
- Need 2023 tax return (RECEIVED.)
- Must file Pre-confirmation certificate (FILED.)


Prop Plan $829.02 x 60, Base Plan.
PTD 7/6 = $4,974.12
Last Claim (2-3)
Matter ResolvedRequest
Adjourment
1297/10/2024 10:00 am24-10993 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
8/28/2024 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $1,148.00  
adj one last time to resolve everything edc

7/2 workup for the 7/10 calendar EDC

1) Ally Capital (Lavin Cedrone) objection to confirmation - need to resolve
-to resolve need to pay $38,982.69 through plan
2) Trustee objection to confirmation
- There is $80,337 in non exempt equity in the residence.
- There is $1,722 in non exempt equity in the 2017 Jeep. ALSO MFR ON FOR 7/10
- There is $1,711 in non exempt equity in the Chase bank account.
- The IRS filed an estimated claim which needs to be amended.
- Need to resolve objection by Ally Capital.
- Need to file Pre-Confirmation Certification

proposed plan $1,148x60 100% plan
paid in $3,444
last claim 9
Matter ResolvedRequest
Adjourment
1307/10/2024 10:00 am24-11020 / MBKJohn Zimnis, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 5 required payments   Arrears: $445.00  Total Paid In: $1,600.00
issues as of 7/2/2024 (JMA)

ok to confirm at $1,600 paid to date, $454x55 begin 8/1/2024 100% with minimum $60,292.58 due to non exempt equity
-motion allowing Trustee to pay late claim #3 in the amount of $1,611.11

1) Motion to allow Trustee to pay late filed claim - no objection

proposed plan $$400x3, $441x57 100%
paid in $1,600
Matter ResolvedRequest
Adjourment
1317/10/2024 10:00 am24-11182 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $734.00  
341 is 5/16/2024.
Matter ResolvedRequest
Adjourment
1327/10/2024 10:00 am24-11306 / MBKRobert C. Nisenson, Esq.Confirmation Hearing on Modified PlanContinued
7/24/2024 10:00 am
Debtor has made 2 of 5 required payments   Arrears: $9,314.00  
Proof of payment emailed - per AR, ADJ to 7/24

AS OF 7/5/24 (SF)


1. PLAN IS NOT FEASIBLE AND NOT CURRENT 2/5 ARREARS: $9,313.71

2. Motion for Relief by US Bank scheduled for 6/26/24 OTBS

3. Motion for Relief by Select Portfolio/MEB Loan 7/24/24 at 9

4. Trustee objection:

- The debtor has insufficient income .
- The debtor has failed to file a feasible plan
- Plan fails to provide for a prompt sale/refinance of the debtor's real property


Plan proposes $3104.57 x 60 100%; Sale of real estate in 24 months
Payments: 2/4 Arrears: $9313.71

RESOLVED:

-Non-exempt equity $42,956.56 in house, may change with amended IRS priority claim. Plan is 100% (NO EQUITY DUE TO IRS CLAIM)

-IRS priority claim estimated for 2022 and 2023 taxes (AMENDED)
-IRS general unsecured claim estimated for 2019 taxes (AMENDED)

- A copy of the last filed tax return - 2023 (RECEIVED)

- Has the vehicle been sold? No date listed (MP FILED AND REMOVES SALE)

- US Bank filed arrears claim 5-1 in the amount of $145,226.44 which is much higher than the plan amount of $108,000 (OK TO PAY?) MP FILED TO PAY
Matter ResolvedRequest
Adjourment
07/10/2024 10:00 am24-11459 / MBKLaurence R. Sheller, Esq.Confirmation Hearing ScheduledMootDebtor has made 2 of 5 required payments   Arrears: $179.00  Total Paid In: $300.00
Previously confirmed on 6/26/24

AS OF 6/20/24 (SF) UPDATED

AR PART 10 IS INAPPROPRIATE AND SHOULD BE STRIKEN - CAN NOT BIND DCA BUT CAN ADD TO CONF ORDER AS A PROVISION SIMILAR TO REFI IF WE GET STATUS

1. Motion to Expunge/Modify Landlord claim (Sakura Realty, LLC) scheduled for 7/10 at 9

2. Part 10 of plan states that Dept of Community Affairs will make payment towards debtor's rental arrears. (Need status)

3. Trustee objection:

- The debtor has insufficient income .
- The Plan fails to provide for a prompt cure of rental arrears.

Plan proposes $104 x 60 Base
Payments: $300 Received Arrears: $116


RESOLVED:
- Need to file Pre-Confirmation Certification
- NJ Motor Vehicle Commission/Surcharge Violation System filed bifurcated claim 10-1. $871.82 secured; $100 unsecured and $971.82 arrears. This claim is not treated in the plan (HOW SHOULD IT BE RESOLVED?) Ok to pay claim in full.
- Purchasing Power LLC filed secured claim 3-1 for $1659.66 which is not addressed in the plan. (MOTION TO RECLASSIFY CLAIM TO UNSECURED SCHEDULED FOR 6/12 AT 9) GRANTED


Matter ResolvedRequest
Adjourment
1337/10/2024 10:00 am24-11710 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $0  
Total Paid In: $920.00
7/2 workup for the 7/10 calendar

CONF at $920 paid then $1226 x 55 beg 8/10/24 100% with min. of $97.659 to gucs


1) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income.
- There is non-exempt equity in real property $97,659. (100% Plan)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l).


proposed plan $230X60 100% PLAN
paid in $690
arrears $230
last claim 2-1

RESOLVED ISSUES:

- The debtor has failed to supply the Trustee with the following document (s): A copy of the homeowner's insurance renewal declaration - insurance expires 5/30/24. RESOLVED, PROVIDED RENEWAL
- Must file Pre-confirmation certification. RESOLVED, FILED
Matter ResolvedRequest
Adjourment
1347/10/2024 10:00 am24-12134 / MBKKirsten B. Ennis, Esq.Confirmation Hearing ScheduledContinued
7/24/2024 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $500.00  
Per AR, ADJ to 7/24 to discuss with SF

AS OF 7/5/24 (SF) Debtor is not current with payments 3/5 Arrears: $500

Due to disposable income, plan requires 100%

CURRENTLY NEED $750 PTD, $959 X 44 (BEGIN 7/1/24) 100% PLAN W/MIN $23,652 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE AND PERSONAL PROPERTY
- OK TO PAY SANTANDER BANK ARREARS CLAIM 11-1
- NEED PROOF OF RENTAL CANCELLED CHECKS FOR APRIL, MAY AND JUNE 2024 WITHIN 7 DAYS




1. Santander Bank filed arrears claim 11-1 in the amoun tof $217.23 which is not addressed in plan (OK TO PAY?)

2. Trustee objection:

- Proof of rental income - signed affidavit or rental contract. (NEED CANCELLED CHECKS FROM TENANT FOR APRIL, MAY AND JUNE 2024)

- Need copy of 401(k) loan balance statement for Debtor. (RECEIVED. LOAN WILL EXPIRE IN 31 MONTHS AND ADDITIONAL $487 WILL BE AVAILABLE)


- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Auto insurance $380 (verifies $293)

- Proof of income for Debtor verifies $3,650 and spouse $2,208. Disposable income verifies $2,062.

The Schedules fail to account for the debtor(s) tax refund in the amount of $4,733 when determining disposable income.

- There is non-exempt property in real property $23,415, Santander Bank acct#7514 of $236.73 and pending amended Sched A/B and C.


Plan proposes $250 x 36 Base
Payments: 3/5 Arrears: $500


RESOLVED:
- A copy of the last filed tax return - from spouse for 2023 by 5/31/24 (RECEIVED)

- A copy of the homeowner's insurance renewal declaration - Need homeowner's insurance renewal declaration. (RECEIVED)
- Amendments to Schedules A/B and C to add additional assets, such as household goods, clothing, jewelry, bank accts, etc. done edc
- Must file Pre-confirmation certificate. (FILED)
- Amend the bankruptcy petition to correct the debtor's name. It is currently reversed with last name first and first name last. (AMENDED)
Matter ResolvedRequest
Adjourment
1357/10/2024 10:00 am24-12156 / MBKDarin D. Pinto, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 1 of 5 required payments   Arrears: $4,742.00  
AS OF 6/27/2024 (at):

RECOMMEND: $2,112 PAID TO DATE, $2,725 x 56 BEGINNING 7/1/2024, 100% PLAN
- Debtors must sign up for e-wage for trustee payments within 7 days of confirmation.
- Need 2023 tax return within 10 days of confirmation.
- Preserve non exempt equity of $13,276 in the 2018 Honda.
- Need to file Pre-Confirmation Certification within 7 days of confirmation.

1. Objection filed by US Bank (Robertson Anschutz) - creditor wants full mortgage payments, not adequate protection payments. (MOD PLAN CURES FULL ARREARS AND PAYS FULL PAYMENTS)

2. Trustee's objection:
The debtor has insufficient income
- Verifiable income leaves monthly disposable income
of $91.95. Debtors must sign up for e-wage for trustee payments.
- The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - with comparatives sold within 6 months of filing.
- A copy of the last filed tax return - 2024 by 5/15/2024.
- Need a statement for the debtor's 401k loan.
- A Modified Plan that increases trustee payment when 2018 Honda is paid off.
- 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 $13,276 in non exempt equity in the 2018 Honda. (LANGUAGE ADDED)
- The IRS filed an estimated claim which needs to be amended. (NO LONGER ESTIMATED)
- Need a statement for the loan on the 2018 Honda Odyssey.
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need a breakdown of the deduction of $1,105 bi-weekly for the Staten Island Credit Union. Per notes, part of this is for car payments which are not on Schedule J. Need to
know how much is not car payments as that is additional income- Provide debtor
certification for explanation.

Modified plan before confirmation proposes: $528 x 3 beginning 3/1/2024, $2,635 x 57 beginning 6/1/2024, base
Payments: 3/4, arrears $2,107
Matter ResolvedRequest
Adjourment
1367/10/2024 10:00 am24-12299 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $394.00  
AS OF 6/27/2024 (at):

RECOMMEND: $1,185 PAID TO DATE, $998 x 57 BEGINNING 7/1/2024, 100% PLAN
- Preserve non exempt equity of $78,539 in the residence.
- Debtor must sign up for e-wage within 7 days of confirmation.
- Debtor's attorney must file a proof of claim on behalf of Pine Valley One Real Estate, LLC and a motion to allow the late claim.

Trustee's objection:
- The debtor has insufficient income.
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - for Seafood Number 1 job - Letter indicating how much
she receives (cash job.) (RECEIVED)

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification. (FILED)
- A copy of the last filed tax return - 2023 by 5/15/2024. (RECEIVED CERT OF NON FILING)
- Need updated car insurance prior to confirmation. Policy expires March 29, 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 $78,539 in non exempt equity in the residence. (LANGUAGE ADDED)

Plan proposes: $394.78 x 60 beginning 4/1/2024, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1377/10/2024 10:00 am24-12426 / MBKPeter E. Zimnis, Esq.Confirmation Hearing ScheduledContinued
9/11/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $4,000.00  
issues as of 7/1/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor has failed to file a feasible plan - plan speculative. Very large claims from taxing authorities
- The debtor has failed to supply the Trustee with the following document (s): A copy of the last filed tax return - 2023
- 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 chedule J, utilities $550; spouse debt $500/month need supporting documentation
- 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 $76,519.25 non-exempt equity in the Investors Bank / Investment account -there is $3,410 non-exempt equity in PSEG shares -TOTAL NON-EXEMPT EQUITY $79,892
- PNC Bank (Martone) objection to confirmation - need to resolve
- debtor's plan is speculative
- plan underestimates creditor claim
-negative income, plan not feasible
-multiple filings
3) Need to file Pre-Confirmation Certification with Court

proposed plan $4,000x60 loan mod by 12/31/2024 minimum $80,000 to gucs
paid in $12,000
arrears $4,000
last claim 6-1
Matter ResolvedRequest
Adjourment
1387/10/2024 10:00 am24-12476 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $350.00  
issues as of 7/1/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): There is $21,762.60 non-exempt equity in house. This amount is pending an amended IRS claim. AMENDED CLAIM NOT FILED TO DATE
2) IRS priority claim estimated for 2023 taxes - need to resolve
3) Not current with Trustee plan payments, arrears $700

propsoed plan $350x60 100% plan
paid in $700
arrears $700
last claim 9-1

RESOLVED ISSUES:

- A copy of the last filed tax return - 2023 RESOLVED, 2023 RETURN FILED
- Need to provide February 2024 bank statement for TD Bank acct #8585 RESOLVED, PROVIDED STATEMENTS, NEGATIVE BALANCE
- Need to provide January and February 2024 statements for Dasher account RESOLVED, PROVIDED
Matter ResolvedRequest
Adjourment
1397/10/2024 10:00 am24-12538 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 2 required payments   Arrears: $0  

AS OF 7/9/2024 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. The attorney's fees in the plan and the disclosure statement do not agree. One of these must be amended.

2. Trustee's objection:
- The debtor has insufficient income.
- The debtor has failed to supply the Trustee with the following document (s):
- A Modified Plan that steps up trustee payment in December 2024 when pension loan is paid off ($1,937/month in additional income.)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$640/month for private school
$100/month for student loans
Need proof that these are being paid 10 days prior to confirmation.
- 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 $5,928 when
determining disposable income. (AVERAGED/ADDED TO INCOME)

Plan proposes: $190 x 13 beginning 4/1/2024, $2,127.13 x 2, $190 x 2, $2,127.13 x 9, $190 x 2, $2,127.13 x 8, base
Payments: 0/2, arrears $380
Matter ResolvedRequest
Adjourment
1407/10/2024 10:00 am24-12778 / MBKSteven J. Sico, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $4,991.00
AS OF 7/9/24 (SF) Updated


RECOMMEND $3519.31 PTD, $1505 X 56 (BEGIN 8/1/24) 100% PLAN W/MIN $247,423 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE AND PERSONAL PROPERTY



MUST FILE PRE-CONFIRMATION CERT WITHIN 14 DAYS (FILED)


1. Trustee objection:

- Need Valuation statement on Charles Schwab brokerage and John Hancock Trust, prior to
filing date.


- The debtor has undertaken an improper use of exemption. Specifically: Real property only in name of Debtor, cannot take d(1) for co-debtor, but can use d(5). Also over exempts d(3) and uses improper exemption 522(n).

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Water/sewer/garbage $340; Other in utilities is blank $150 (no idea what), Medical $450
and Medical insurance $356.11. Must provide proof of expenses 10 days prior to confirmation.

- There is non-exempt equity $237,531 in real estate, 2019 Subaru $8,100, Cats $100, Snap
on tools (Line 14), Citizens Bank $276 (took allowed d(5) for real property), Northfield Bank
$1,216 and Charles Schwab $200 (pending statement). Also pending valuation on
collectible items. (PLAN WILL REQUIRE 100% TO GUCS)


- Need valuation on collectibles listed on Line 8 $26,423. (MOOT PLAN WILL BE 100% DUE TO EQUITY IN REAL ESTATE)

- Must file Pre-confirmation certification.



Plan proposes $1173 x 3; $1472 x 57 Base
Payments: 3/4 Arrears: $1471.99


RESOLVED ISSUES:
- Need a Modified Plan that marks off Part 1e and removes CCO Mortgage from part 4f as
unaffected when proposing to pay arrears. (MP FILED)

- The debtor has failed to provide proof of service with respect to Plan Motion (s).
Citizens Bank was not served. (CREDITOR FILED UNSECURED CLAIM. SHOULD THIS BE STRICKEN FROM PLAN?) REMOVED FROM MP

- Debtors plan does not elect to jointly administer the case. If the debtors intend on joint
administration a Modified Plan must be filed checking box 1e. If the debtors assert that
the case is intended to be separately administered, then a Moti
Matter ResolvedRequest
Adjourment
1417/10/2024 10:00 am24-12830 / MBKCarol L. Knowlton, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 7/2/2024 (at):

1. NJ Division of Taxation filed an estimated claim #3 which needs to be amended. (STILL ESTIMATED)

2. Objection filed by US Bank (Parker McCay) - failure to cure full arrears of $145,269.81. (PER POC) (UNRESOLVED)

3. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- amend schedule "I" and send the trustee updated paystubs for new job. (RECEIVED CONTRACT AGREEMENT - NEED PAY STUBS. SCHEDULE I 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):
- Debtor's income verified higher using proof of income provided, disposable net income $3,688.04
- need statements for the Pay Pal account (RECEIVED)

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 $15,520.75 non-exempt equity in debtors home. Must pay $15,520.75 non-exempt equity to unsecured creditors. (LANGUAGE ADDED)
Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)

Plan proposes: $3,000 x 60 beginning 4/1/2024, base
Payments: 3/4, arrears $3,000
Matter ResolvedRequest
Adjourment
1427/10/2024 10:00 am24-12954 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 6/27/2024 (at):

RECOMMEND: $1,852 x 60 BEGINNING 4/1/2024, 100% PLAN
- Need to file Pre-Confirmation Certification within 7 days of confirmation.
- Preserve non exempt equity of $427,461 in real estate.
- Preserve non exempt equity of $16,997 in personal property.

Trustee's objection:
- 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 $427,641 in non exempt equity in the residence. (100% plan ) (LANGUAGE ADDED)
- There is $16,997 in non exempt equity in the vehicles. (LANGUAGE ADDED)
- The IRS filed an estimated claim which needs to be amended. (NO LONGER ESTIMATED)

Plan proposes: $1,852 x 60 beginning 4/1/2024, 100% plan
Payments: 3/3
Matter ResolvedRequest
Adjourment
1437/10/2024 10:00 am24-13046 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $500.00  
AS OF 7/3/24 (SF) NO HOMEOWNER'S INSURANCE (received)

1. Objection filed by Bank of America (Caine) - failure to pay arrears of $183,680.13 and sale date is too long. Debtor is also a repeat filer and case filed in bad faith. (Per Mr. Caine, Sale date has to be 9/1/24)

2. Trustee objection:

- The debtor has insufficient income Verified income leaves monthly disposable income of -$3,291.90.

- The debtor has failed to file a feasible plan - debtor has insufficient income to fund this plan.

- Need a copy of the homeowner's insurance renewal declaration - Policy provided expired
on 5/6/2024.

- There is $275,385 in non exempt equity in the residence. (100% plan)

- The debtor failed to include the rental expense for his Houston, Texas lease in the petition.


Plan proposes $500 X 36; 100% PLAN; Sale by 12/30/24
Payments: 3/4 Arrears: $500


Matter ResolvedRequest
Adjourment
1447/10/2024 10:00 am24-13071 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 7/3/24(mk):


1. Objection by LVNV Funding(McCalla):
Judgment lien not provided for in plan 17,205.16

2. Objection by SN Servicing(Friedman V):
- Plan fails to pay arrears $447.74

3. Trustee Objection:
- Need CMS A with current comps w/in 6 mos of filing.
-2 mos proof of income one debtor returns to work.
-As of now, there is $52,837 in non exempt equity in the residence per internet value of $540,000- NOt 390,000-- Pending review of an updated CMA from the debtor.
- Tr std order of distribution
- must file pre conf cert.

PLan: $320 x 60; BASE
3/4 payments

-------RESOLVED-------------------
- schs fail to account for tax refund of $2,594( Added In)
Matter ResolvedRequest
Adjourment
1457/10/2024 10:00 am24-13132 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 4 required payments   Arrears: $263.00  Total Paid In: $1,020.00
AS OF 6/27/2024 (at):

RECOMMEND: $680 PAID TO DATE, $603 x 57 BEGINNING 7/1/2024, 100% PLAN
Student loans will be paid outside of the plan.
Preserve non exempt equity of $92,827 in real estate.
Preserve non exempt equity of $10,000 in personal property.

1. Objection filed by Point O'Woods Townhouse Association (Cutolo Barros) (RESOLVED - PAY $7,360.38 THROUGH THE PLAN)

2. Trustee's objection:
- The debtor has insufficient 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 $92,827 non-exempt equity in debtor's home (LANGUAGE ADDED)
-There is $10,000 non-exempt equity in the 2016 GMC Acadia (LANGUAGE ADDED)
Total non-exempt equity $102,827
- SOFA states debtor cashed in pension $85,000 in 2023. Need Certification for the
accounting of those funds with supporting documentation.

Modified plan before confirmation proposes: $682 paid to date, $775 x 57 beginning 7/1/2024, 100% plan
Payments: 2/2
Matter ResolvedRequest
Adjourment
1477/10/2024 10:00 am24-13243 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $543.00  
As of 7/8/24 (DS): Ok to confirm $3,282 paid, $1,193 x 46 begin 8/1/24; $1,706 x 10 begin 6/1/28; Base with a min. div. $41,182 to gucs;
- Add to confirming order Trustee ok to pay claim#13-1 of Nationstar arrears $1,115.49.
- Student loans to be treated outside.
- Trustee standard order of distribution.
- Pays IRS $17,992.28 and State of NJ $4,007.17 tax claims, plus attorney fees $3,337.

1. Nationstar mtg filed arrears claim $1,115.49. Trustee ok to pay?

2. BELOW ISSUES REMAIN UNRESOLVED.

HOLD FOR PROOF OF INS

5/22/24 (DS): 1. Trustee obj to the following:
- Need 2 months proof of income for Co-Debtor with Defense Finance (only 1 pay stub provided dated 12/2023 ytd net and the average income verifies $389.58, not 31.27).
- 2 TPS LOANS SHOULD BE PAID OFF AS PER BALANCE STATEMENT BY MAY 2024. LOANS $101 AND $170 TOTAL $271 TSP LOANS, SHOWING DISPOSABLE INCOME $1,808.CASE IS ABOVE MEDIAN AND WILL GO WITH $686.36 ON LINE 45 OF 22C-2 WITH MIN. DIV. $41,182. SCHED I & J WOULD BE $1,447.12 AND A MIN $86,827.
- Must add to confirming order Trustee standard order of distribution.

2. State of NJ filed estimated tax claim, 2023 tax return not filed. Must resolve claim. AMENDED CLAIM FILED, NO LONGER ESTIMATED.

Prop Plan $1,093 x 50 begin 4/1/24; $1,706 x 10; Base
Matter ResolvedRequest
Adjourment
1487/10/2024 10:00 am24-13248 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $2,950.00
updated 7/3/2024 (JMA)

to confirm need $2,950 paid to date, $1,582x56 begin 8/1/2024 100% plan

issues as of 7/1/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income Verifiable income leaves monthly disposable income of -$2,491.88.
- The debtor has failed to supply the Trustee with the following document (s): Proof of 2 month's income - for the co-debtor.

proposed plan $600x3, $1,150x57 100% plan
paid in $2,950
last claim 25-1


RESOLVED ISSUES:

- Domestic Support Obligation information for payment of child support for Mr. Harris RESOLVED, PROVIDED
- Need updated car insurance if not confirmed on 5/22/2024. RESOLVED, PROVIDED RENEWAL
- 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): Per the 22C, monthly disposable income is $4,509 which requires a minimum dividend of $270,540 to general unsecured creditors. Plan 100% RESOLVED, BAR DATE HAS PASSED, TOTAL GUCS FILED $40,216.13.
- Need to file Pre-Confirmation Certification RESOLVED, FILED
2) IRS priority claim is estimated for 2023 tax returns, need amended claim - AMENDED CLAIM FILED, $9,560.19 TO BE PAID THROUGH PLAN PER AMENDED CLAIM FILED
Matter ResolvedRequest
Adjourment
1497/10/2024 10:00 am24-13356 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,500.00  
AS OF 7/2/2024 (at):

1. Objection filed by Shellpoint Mortgage (Friedman Vartolo) - failure to cure arrears $141,414.25 (PER POC FILED) (UNRESOLVED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Need a statement for the spouse's 401k loan. (RECEIVED - ADDITIONAL $500/MONTH IN INCOME - LOAN PAID OFF IN JUNE, 2024)
- 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 $3,330.

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification. (FILED)
- Debtor must file tax returns for 2020, 2021, and 2022. (RECEIVED)

Plan proposes: $1,500 x 6 beginning 5/1/2024, $2,575.44 x 54, loan modification by October, 2024, base
Payments: 2/3, arrears $1,500
Matter ResolvedRequest
Adjourment
1507/10/2024 10:00 am24-13444 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
8/28/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,240.00  
AS OF 7/3/24 (SF)

1. The plan proposes to cram interest rate for Ally Financial but they filed an unsecured claim 10-1. (Must resolve)

2. One Main Mortgage Services filed secured claim 8-1 in the amount of $14,581.13 which is not addressed in plan (ok to pay?)

3. Trustee objection:

-The debtor has insufficient income Verified income leaves monthly disposable income of $221.18.

- Debtor must sign up for e-wage within 10 days of confirmation..

- The debtor has undertaken an improper use of exemption. Specifically: Schedule C exceeds the D5 exemption by $11,472. (Not sure why full d(1) exemption not taken on real estate

- There is $20,237.21 in non exempt equity in the residence.
- There is nonexempt equity in business of $7200



Plan proposes $1240 x 60 Base w/min $30,039 to gucs
Payments: 2/32 Arrears: $1240



RESOLVED:
- Need to file Pre-Confirmation Certification. (FILED)
- Need proof of insurance for the 2010 Ford and 2013 Chevy. (RECEIVED)
- The IRS filed an estimated claim which needs to be amended. (AMENDED)
- The debtor has failed to provide proof of service with respect to Plan Motion (s). Need proof of service on Ally Financial. (RECEIVED)
- State of NJ filed priority claim 12-1 in the amount of $389.35 which is not addressed in the plan (OK TO PAY?) yes
Matter ResolvedRequest
Adjourment
1517/10/2024 10:00 am24-13452 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanContinued
8/28/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,260.00  
As of 6/28/24(mk):


1.Objection by Deutche Bank/JP Morgan(RAS):
- plan fails to pay full arrears per filed claim

2. IRS ESTIMATED CLAIM- needs to be resolved

3. Trustee Obj:
- Mtg arrears are 20,000 higher than proposed- TR PAYMENT WILL NEED TO INCREASE SIGNIFICANTLY
-Dismissal of the case should trigger a one year bar to re -filing




Plan: $1148 X 2; $1260 X 58; $0
2/2 payments
Matter ResolvedRequest
Adjourment
1527/10/2024 10:00 am24-13499 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  

As of 7/5/24 (DS): Ok to confirm at $2,400 paid, $957 x 57 begin 8/1/24: 100% with a minimum dividend $98,441 to gucs due to non-exempt equity;
- Trustee ok to pay Claim#4-1 of JPMorgan Chase $465.44 and claim#11-1 of SPS $3,442.83.

1. SPS filed arrears claim $3,442.83. Trustee ok to pay?

As of 6/7/24 (DS): Debtor atty requested adj to resolve obj

6/12/24 (DS): Trustee obj to the following:
- Need a feasible plan that propose a tier plan when the car payment $465 ends in month 25. CASE IS 100%.
- JPMorgan Chase filed arrears claim for $465.44. Trustee ok to pay?
- Must file Pre-confirmation certification.
- There is non-exempt equity in real property $93852.86 and bank accts $4,588.06 total $98,441. Plan pays 100%

Prop Plan $800 x 60 begin 5/1/24; 100%
Noter: PNC Bank statements provided.
Matter ResolvedRequest
Adjourment
1537/10/2024 10:00 am24-13556 / MBKJohn O'Boyle, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 2 of 3 required payments   Arrears: $50.00  
MP on for 8/14

7/3 workup for the 7/10 calendar EDC


1) Trustee objection to confirmation - need to resolve
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Cell phone $160, Food $800, Clothing $150, transportation $450 and Parking $350. Must provide proof of monthly expenses 10 days prior to confirmation. NOT PROVIDED TO DATE

- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): Income verifies much higher $6,596 than Schedule I $5,663, which includes tax refund, plus due to the excessive expenses, Debtor would have disposable income of $1,787, WITH THE 2023 TAX REFUND BEING LOWER THAN 2022, THE DISPOSABLE INCOME IS $1,543.60. PLAN ONLY PAYS $200.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,869 when determining disposable income. THE 2023 REFUND IS LOWER $1,876.

- 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 TD Bank acct $3,929.69.

- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution, does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l).

- Add to confirming order attorney to file fee app within 7 days from confirming.

proposed plan $200X36 base plan
paid in $400
last claim 5-1

RESOLVED ISSUES:

- Need to provide Trustee a copy of the last filed tax return - for 2023 - RESOLVED, PROVIDED RETURN
- Need to provide Trustee with 2 months bank statements (Feb & March) from TD Savings acct#0996 - RESOLVED, PROVIDED
- Amendments to Schedules A/B and C to add additional TD Bank savings acct#0996.
Matter ResolvedRequest
Adjourment
1547/10/2024 10:00 am24-13610 / MBKPeter E. Zimnis, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 3 of 3 required payments   Arrears: $0  

MP filed 7/8 will be scheduled by the Court.
AS OF 7/8/2024 (at):

RECOMMEND: $1,950 PAID TO DATE, $1,071 x 57 BEGINNING 8/1/2024, 100% PLAN
Preserve non exempt equity of $91,555 in real estate.

Trustee's 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 $91,555 non-exempt equity in real property. (LANGUAGE ADDED)
- must file pre conf cert. (FILED)

Plan proposes: $650 x 60 beginning 5/1/2024, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1557/10/2024 10:00 am24-13791 / MBKPaul S. Pflumm, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $2,934.00  Total Paid In: $5,874.00
Per DS, okay to confirm.
As of 7/3/24 (DS): Need to confirm at $2,936 x 3 begin 5/1/24 (July payment must be made prior to confirming or payment will change); $3,035 x 57 begin 8/1/24; 100% with min. dividend $8,583 to gucs due to non-exempt equity;
- Add to confirming order unsecured claims and attorney fees to be paid first.
- Pays Landhome Mortgage claim#7-1 $155,961.89.
- Pays IRS claim#3-1 $1,222.
- Pays NJ Division of Taxation claim#5-1 $70.
- Pays Christiana Trust claim#2-1 $2,959.26.
- Toyota claim#8-1 to be treated outside.

* Spoke with debtor and he agrees to pay 100% over 60 months with terms that gucs to be paid first along with att. fees EDC

- Trustee standard order of distribution. PER ATTY/EDC UNSECURED CLAIMS AND ATTY FEES TO BE PAID FIRST
- Pays Landhome Mortgage claim#7-1 $155,961.89.
- Pays IRS claim#3-1 $1,222.
- Pays NJ Division of Taxation $70.
- Pays Christiana Trust claim#2-1 $2,959.26.
- Toyota to be treated outside.

6/26/24 (DS): 1. Trustee obj to the following:
- 22C monthly disposable income is $8,483 which requires min. div. $508,980 to gucs, also disposable income verifies $10,569.
- Plan length should be shortened due to the disposable income.
- Excessive expenses on Sched J: $2,515 car insurance (Per auto insurance verifies $1,141). May be moot since plan pays 100%.
- There is $8,583 non-exempt equity in 2014 Toyota Camry and $3,652.37 in the residence.
- Need Trustee standard order of distribution.

Prop Plan $2,936 x 60 begin 5/1/24; 100%
Note: Updated auto insurance provided.
Matter ResolvedRequest
Adjourment
1567/10/2024 10:00 am24-13852 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $250.00  
AS OF 7/2/2024 (at):

1. Objection filed by US Bank (Robertson Anschutz) - plan is speculative as it it silent as to what efforts have been undertaken to sell the property. (UNRESOLVED)

2. Trustee's objection:
- The debtor has insufficient income income is significantly negative at -$1,347.83. Line 24
indicates debtor's family will contribute to the household to assist with plan payments.
- The debtor has failed to file a feasible plan - without family contributions the plan is not feasible

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - policy provided is forced
placed insurance for the mortgage company - need owner policy with personal
liability coverage (RECEIVED)
- Need need copy of Will showing debtor is sole beneficiary and that debtor 's children
have 1/2 ownership. (RECEIVED)

Plan proposes: $250 x 36, sale of residence by 4/1/2025, base
Payments: 2/3, arrears $250
Matter ResolvedRequest
Adjourment
1577/10/2024 10:00 am24-13924 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $1,499.00  
As of 7/9/24 (DS): Debtor atty requested adj to resolve all objections and file a motion to reclassify IRS claim.

As of 7/3/24 (DS): 1. Debtor in arrears $1,499.49, made 1 out of 3 payments.

2. Trenton Water Works $2,161.10 and Twp of Ewing $103.35 filed unsecured claim for 2024 sewer utility, plan has Ewing Twp Tax Collector, no claim filed by tax collector, bar date has passed. RECOMMEND STRIKING PART 3A AS TO EWING AND TRENTON WATER WORKS AND PAY PER CLAIM PRO RATA TO UNSECURED OR AMEND CLAIMS.

3. BELOW ISSUES REMAIN UNRESOLVED.

As of 6/10/24 (DS): Debtor atty requested adj to resolve obj and past bar date.

6/12/24 (DS): 1. Global Lending-2019 Honda (STEWART LEGAL GRP) obj to value on NADA should be $18,775 and obj to interest being 5.00%, which should be 8.50%. Must resolve obj.

2. IRS filed priority claim $16,307.06, plan has $0. TRUSTEE OK TO PAY?

Prop Plan $749.83 x 60 begin 5/1/24; Base
Note: IRS estimated tax claim amended and no longer estimated. 2023 Tax return provided. Service no longer needed, since creditor is obj. 22c no issue, since disposable income would still be $-38.93.
Matter ResolvedRequest
Adjourment
1587/10/2024 10:00 am24-13951 / MBKPRO SEConfirmation Hearing ScheduledMoot - DismissedDebtor has made 0 of 3 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1597/10/2024 10:00 am24-13972 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $825.00  
7/3/24(mk):email to atty-OK TO TERMS

**CAN REC CONFIRM AT $4,125 PTD Then $1,650 x 39 Begin 8/1/24 100%. Landlord ,Burlington Cty Management on claim #15-1 is to be paid a prompt cure over 18 months.
TR is authorized to pay Carvanna claim #2-1 arrears thru plan. Student loans outside.
Plan extended to total 42 months**

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

AS Of 6/29/24(mk):

CASE IS 100%- irs clain higher and need clarification in #2 & #3 Below>>

1. Bridgecrest is in plan as unaffected and they( Carvana) filed arrears claim $719 - OK TO PAY? Per atty YES_ pay

2. Claim #15-1 filed by Burlingon Community Action program for rent $16,534- THIS IS CURRENT LEASE AND SET UP FOR 18 MO CURE

3. Claim #18-1 filed By Colonial Pines at Lindenwold( Fein Such): APT LEASE- is this the current lease? THIS IS OLD LEASE AND A GUC



Plan:$1650 X 38; 100% Student loan outside( in plan parag #10
3/3 payments

RESOLVED
------------
IRS has estimated claim-(APOC FILED)
Matter ResolvedRequest
Adjourment
1607/10/2024 10:00 am24-13994 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $0  
Total Paid In: $1,600.00
AS OF 7/2/2024 (at):

RECOMMEND: $1,600 PAID TO DATE, $1,254 x 57 BEGINNING 8/1/2024, 100% PLAN
Preserve non exempt equity of $84,606 in real estate.

1. The IRS filed an estimated claim which needs to be amended. (NO LONGER ESTIMATED)

2. There NJ Division of taxation filed an estimated claim which needs to be amended. (NO LONGER ESTIMATED)

3. Objection filed by PNC Mortgage (KML) - failure to cure full arrears of $49,484.11. (Per POC) Plan proposes to pay $40,000.(RESOLVED - PAY PER POC)

4. 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 by 5/15/2024. (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 $3,398.70.
- Need to file Pre-Confirmation Certification. (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 $84,606 in non exempt equity in the residence. (LANGUAGE ADDED)

Plan proposes: $828 x 60 beginning 5/1/2024, 100% to unsecured creditors
Payments: 1/2, arrears $856
Matter ResolvedRequest
Adjourment
1617/10/2024 10:00 am24-14092 / MBKMoshe Rothenberg, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 3 of 3 required payments   Arrears: $0  

Plan Withdrawn - MP to be filed within 14 days to cure and maintain without a cram to address Stern Lav OBJ

AS OF 7/9/2024 (at):

1. 341 has not been held or rescheduled.
2. Payments: 3/3
Matter ResolvedRequest
Adjourment
1627/10/2024 10:00 am24-14153 / MBKRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
9/11/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $200.00  
issues as of 7/1/2024 (jma)

1) 341 not held, not rescheduled - missing documents (NOW SCHEDULED FOR 8/15)
2) Elizon Master Participation Trust I (Hladik, Onorati) objection to confirmation - need to resolve
- pre-petition arrears $43,342.87
Matter ResolvedRequest
Adjourment
1637/10/2024 10:00 am24-14270 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  

AS of 7/9/24(mk):

>if objection in #1 is resolved then ** CAN REC CONFIRM AT $1,124 PTD Then $562 x 45 Begin 8/1/24 100%.Plus any non exempt proceeds needed to fund plan at 100% be paid to TR. Preserve Equity T/H Of $105,747.
Sale of real property by 9/30/24.
claims 3-1 (NJ Taxation) and 5-1(First Investors ) to be paid at sale.
Tr is not authorized to pay arrears pending sale of real property **


**motion to sell 7/10- plan can be paid in full 100% from sale proceeds.

1. Objection by First Investors( Freidman):

2. Plan pays in full First Investors Serv. Corp on Dodge Ram $8,526.17 9% interest for total 10,184. claim filed and total secured part is 10,000.39 Will need Order to pay if different than claim amt. FOR NOW CLAIM IS SET UP AT 10,000.39 TO BE PAID THRU PLAN

3. Non exempt equity per sale contact price is $105,747 Plan is 100%.


Plan: $562 X 48; SALE 6MO AFTER CONF (16 LAURELTON AV); 100%
2/3 payments
Matter ResolvedRequest
Adjourment
1647/10/2024 10:00 am24-14352 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/28/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $500.00  
Proof of $1000 TFS payment provided
waiting for 341 hearing to be adjourned.
Matter ResolvedRequest
Adjourment
1657/10/2024 10:00 am24-14361 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

341 is on 8/1/24
1/2 payments
Matter ResolvedRequest
Adjourment
1667/10/2024 10:00 am24-14369 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $400.00  
AS OF 7/8/2024 (at):

RECEIVED PROOF OF $800 TFS PAYMENT MADE 7/5/2024.

1. 341 is scheduled for 7/18/2024.
2. Payments: 0/3, arrears $1,200
Matter ResolvedRequest
Adjourment
1677/10/2024 10:00 am24-14480 / MBKRobert G. Swan, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 3 required payments   Arrears: $0  

NA
Matter ResolvedRequest
Adjourment
1687/10/2024 10:00 am24-14586 / MBKThomas J. Orr, Esq.Confirmation Hearing ScheduledContinued
8/28/2024 10:00 am
Debtor has made 3 of 2 required payments   Arrears: $0  

As of 7/2/24 (DS): Debtor atty requested adj, 341 rescheduled to 8/1/24
Matter ResolvedRequest
Adjourment
1697/10/2024 10:00 am24-14593 / MBKJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $770.00
AS OF 7/3/24 (SF)

RECOMMEND $385 X 60 (BEGIN 6/1/24) BASE W/MIN $18,292 TO GUCS
- PRESERVE NONEXEMPT EQUITY OF $9565 IN REAL ESTATE IN CONF ORDER
- MUST FILE PRE-CONFIRMATION CERT WITHIN 14 DAYS
- DEBTOR MUST SIGN UP FOR TFS EWAGE WITHIN 7 DAYS
- ATTY MUST FILE FEE APPLICATION FOR HOURLY FEES WITHIN 7 DAYS OF ENTERED CONFIRMATION ORDER




1. Trustee objection:

- The debtor has insufficient income income is negative.

- The debtor has failed to file a feasible plan - insufficient disposable income (NEED TFS EWAGE)

- -There is $9,565 non-exempt equity, plan proposes to pay $18,292 to GUCS - OK

2. Must file pre-confirmation certification


Plan proposes $385 x 60 Base w/min $18,292 to gucs
Payments: 1/2 Arrears: $385
Matter ResolvedRequest
Adjourment
1707/10/2024 10:00 am24-14598 / MBKWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  

As of 7/5/24(mk):

**CAN RE CONFIRM AT $750 x 24 Begin 6/1/24 THEN $1,200 x 36 Begin 6/1/26 Base w/ min to gucs48,950 Due To Equity in Personal Property. Plus any non exempt proceeds from law suit**

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

1. Trustee Objection:
- EQUITY IN 1955 Ford F100 car per auto
insurance is agreed to be value at $48,950,
Sched B has $45,000 and does not use any
exemptions. There is non-exempt equity
$48,950.
-Any non exempt proceeds from auto accident paid to TR.


Plan: $750 x 24 begin 6/1/24; $1,200 x 36; Base
1/2 payments

--------RESOLVED----------------
-need 2 months checking acct statements from TD Bank checking accts#1557 and
#5864 prior to filing date. PROVIDED
car insurance provided
-Excessive expenses - 22c has
excessive expenses: Line 13f takes 1966 Chevy Malibu $381.05, which plan surrenders.
Auto insurance $432 (verifies $195 for 3 cars
surrendering 1).

Matter ResolvedRequest
Adjourment
1717/10/2024 10:00 am24-14601 / MBKRobert Manchel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $608.00
AS OF 7/3/2024 (at):

RECOMMEND: $608 PAID TO DATE, $328 X 34 BEGINNING 8/1/2024, BASE
Preserve non exempt equity of $5,812 in real estate.
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):
- A current market analysis - with comps for the last 6 months prior to filing date. 2
comps are from 5/9/23 9/19/23, only one recent date 2/5/24. (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):
- There is non-exempt equity in real property pending updated CMA with recent comps. (USING ZILLOW - NON EXEMPT EQUITY IS $19,950)
- Must file Pre-confirmation certification. (NOT FILED)

Plan proposes: $304 x 36 beginning 6/1/2024, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
1727/10/2024 10:00 am24-14607 / MBKPRO SEConfirmation Hearing ScheduledWithdrawnDebtor has made 2 of 2 required payments   Arrears: $2,500.00  
updated 7/9/2024 (JMA)
issues as of 7/1/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- Need to provide copies of listing agreements for 2 NJ properties: LaMotte Court, Lindenwold, NJ. and Schooner Road, Manahawkin
- Need to provide copies of the deeds - for 11 LaMotte Court, Lindenwold, NJ. and Schooner Road, Manahawkin.
- Need a Modified Plan that addresses the sale of the properties which she is still on Mortgages and payment of creditors.
- Need to file amendments to Schedules SOFA to list the transfers of real property.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $800/month for medical/dental $1,000/month for ransportation; $920/month car payment; $2500/month support for wife and son
- Need proof of expenses 10 days prior to confirmation. TR will allow expenses as long as case remains 100%.
- 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 $8,861.95.
- 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 $13,992 in non exempt equity in the TD Bank account.
2) Wells Fargo Bank (Brock & Scott) objection to confirmation - need to resolve
- Debtor's plan fails to treat credtors's claim in plan
-l oan matures during 60 month plan, total debt will be $13,395.94
3) New Rez LLC d/b/a Shellpoint Mortgage Servicing (Pluese Becker) objection to confirmation - need to resolve
- Chapter 7 case # 21-13356, discharge 12/10/2021
- On 9/26/2022 a Quit Claim Deed to Agnieszka (Agnes) Rybar, the spouse of the debtor, property being rented out.
- Property not listed in plan. Debtor remains the Obligor/Mortga
Matter ResolvedRequest
Adjourment
1737/10/2024 10:00 am24-14620 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  

As of 7/9/24 (DS): OK TO CONFIRM AT $3,414 PAID, $2,919 X 58 BEGIN 8/1/24; BASE WITH A MIN. DIV $41,607.27 AND THE CLAIM#1-1 OF US DEPT OF HUD TO BE TREATED OUTSIDE AND NOT PAID

1. Trustee obj to the following:
- Disposable income verifies $5,995, tax refunds $523 not listed on Schedules, spouse unemployment income $3,697 was also not listed on Sched I.

2. US Dept of HUD claim not in plan, no arrears owed.

Prop Plan $1,707 x 60 begin 6/1/24; Dollar Base $41,607.27
Note: There is no equity on real property, since there was a claim filed by US Dept of HUD. 2023 tax return from spouse provided, which also has a tax refund.
Matter ResolvedRequest
Adjourment
1747/10/2024 10:00 am24-14630 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $1,240.00  
AS OF 7/2/24 (SF) Copy of money order in the amount of $615 received

1. Motion for Relief by Andrews FCU 7/24/24 (Surrendered in plan)


2. Trustee objection:

The debtor(s) plan consists of unnecessary or excessive expense items, such as: Auto
insurance $170.22 (should be $118).

As of now equity in real property $662

The debtor has failed to provide proof of service with respect to Plan Motion (s).
Must service Sunnova listed in motions. (STILL IMPROPER. DID NOT SERVE MANAGING AGENT)



Plan proposes $620 x 36 Base
Payments: 0/2 Arrears: $1240


RESOLVED ISSUES:
- Must file Pre-confirmation certification (FILED)
- Must resolve creditor objection. (RESOLVED)
Matter ResolvedRequest
Adjourment
1757/10/2024 10:00 am24-14631 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
7/24/2024 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $2,000.00  
As of 7/3/24(mk): 0/2 payments


1. Plan fails to address claim #13-1 by
NYC-HRA OFFICE OF CHILD SUPPORT SERVICES
for child support arrears 12,121.74

2. Plan fails to address Claim #12-1: NY STATE DEPT OF TAXATION- 1,651.56

3. Plan has IRS secured for $2,588.00. they filed an unsecured claim

-------------Resolved-------------
Trustee Objection:
-need DSO form(Filed)
-need pre conf cert(Filed)

Plan: $1000 X 60; 0%
0/2 payment
Matter ResolvedRequest
Adjourment
1767/10/2024 10:00 am24-14646 / MBKRonaldo C. George, Esq.Confirmation Hearing ScheduledContinued
7/24/2024 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $144.00  
ADJ to 7/24 for payment to post and all 341 docs

AS OF 7/9/2024 (at):

RECEIVED PROOF OF $216 TFS PAYMENT MADE ON 7/6/2024.

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $144
Matter ResolvedRequest
Adjourment
1777/10/2024 10:00 am24-14783 / MBKVera Fedoroff, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

As of 7/9/24 (DS): Debtor atty requested adj to resolve all issues

As of 7/5/24 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $243.05. Debtor must sign up for e-wage within 10 days of confirmation.
- Need service to Discover Bank, service done 5/20/24 serves Discover Products Inc c/o CT Corp does not serve Discover Bank.

2. NewRez/Shellpoint (LEOPOLD & ASSOC.) obj to arrears are more $34,646.95, plan has $23,400.29, no POC filed. Must resolve obj.

Prop Plan $468 x 60 begin 6/1/24; Base
Note: Debtor's cert provided for 2004 Dodge. - 401)k) loan balance payment $346 ends in month 18. Moot due to income contribution.
Matter ResolvedRequest
Adjourment
1787/10/2024 10:00 am24-14800 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 7/2/24 (SF)

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

2. State of NJ priority claim 6-1 is estimated (NEED AMENDED CLAIM)

3. Trustee objection:

- There is $187,010 in non exempt equity in the residence. (100% plan )

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

- The IRS filed an estimated claim which needs to be amended.

- Need to file Pre-Confirmation Certification.

- The debtor needs to add the Roundup class action lawsuit to schedules B & C.

Plan proposes $500 x 60 100% Plan
Payments: 1/2 Arrears: $500


RESOLVED ISSUES:
- Need proof of insurance for the 2017 GMC Terrain. Policy expired 5/4/2024. (RECEIVED)
Matter ResolvedRequest
Adjourment
1797/10/2024 10:00 am24-14820 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 2 required payments   Arrears: $133.00  Total Paid In: $133.00
7/10/24(mk):email to atty

**CAN REC CONFIRM AT $133x36 Begin 6/1/24 Base. Plus all non exempt proceeds, if any, from sale of real property must be paid to TR. Sale of real property by 10/1/24.
TR to pay arrears pending sale.
Per plan claim of Brick Township MUA will only be paid if a timely proof of claim is filed.
OTBS resolving objection By Mortgage Assets Management w/in 30 days.
Low base pending sale**




OTBS to pay pending sale - sale by 10/1/24

As of 7/3/24(mk):

needs to make another paymnet 2 are due and only 1 made and if paying arrears pending sale of property resolves the obj in #1 , I can work it up. let me know

1. Objection By Mortgage Assets Management(McCalla):
- plan fails to pay arrears(Plan pays arrears pending sale)

2. Trustee Objection:
all non exempt proceeds, if any from sale of real property must be paid to TR



Plan:$133 X 36; SALE 6MO AFTER CONF (52 CHANNEL DR); BASE
1/2 payments


---------------RESOLVED-------------
pre conf cert and home insurance w/ Per. liab coverage(FILED AND PROVIDED)
Matter ResolvedRequest
Adjourment
1807/10/2024 10:00 am24-14831 / MBKEugene D. RothConfirmation Hearing ScheduledContinued
8/28/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,447.00  
As of 7/5/24 (DS): Debtor atty req adj, 341 sched 7/25/24, payment $1,447 made 7/8/24. Debtor attorney to file amended Sched I to remove debtor employment income and provide 2 months proof of income from contributors.
Matter ResolvedRequest
Adjourment
1817/10/2024 10:00 am24-14850 / MBKS. Daniel Hutchison, Esq.Confirmation Hearing ScheduledContinued
8/28/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 6/28/2024 (at):

1. Ally Capital filed a secured arrears claim for $32,783.67 which is not in the plan. Is the debtor going to pay this claim?

2. Trustee's objection:
- Need to file Pre-Confirmation Certification. (FILED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - for debtor's job at Mavis. (RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$307.06/month for support (need proof/order)
Need proof of expenses 10 days prior to confirmation. (RECEIVED)

Plan proposes: $1,000 x 60 beginning 6/1/2024, base
Payments: 1/1
Matter ResolvedRequest
Adjourment
1827/10/2024 10:00 am24-14875 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1837/10/2024 10:00 am24-14878 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $400.00  
Matter ResolvedRequest
Adjourment
1847/10/2024 10:00 am24-14892 / MBKJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $435.00  
As of 7/2/24 (DS): Debtor attorney req adj to pass bar date

As of 7/2/24 (DS): 1. Trustee obj to the following:
- Must amend Sched I to add new employment, as well as provide 2 months proof of income from new employment.
- Disposable income verifies much higher at $2,162. Plans pays 100%.
- Need fee app for attorney fees owed within 7 days from confirmation order.
- IRS filed priority claim $8,935.52. Plan propose $0. Needs to be paid or move against the claim.
- Need a modified plan that removes Mariner Finance or receommend striking.
- Must file Pre-confirmation certification.

2. Capital One (REGINA COHEN) obj to plan surrendering in full satisfaction. Must resolve creditor obj.

Prop Plan $825 x 60 begin 6/1/24; 100%
Matter ResolvedRequest
Adjourment
1857/10/2024 10:00 am24-14993 / MBKThomas G. Egner, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $176.00  
AS OF 7/2/24 (SF) Adj to after bar date

RECOMMEND $176 X 1 (BEGIN 6/1/24); $1243 X 35 (BEGIN 7/1/24) BASE PLAN W/ MIN DIVIDEND OF $1234 TO GUCS PER NONEXEMPT EQUITY IN PERSONAL PROPERTY


Trustee objection:
- Verified income leaves monthly disposable income of $1,553.28.

The Schedules fail to account for the debtor(s) tax refund in the amount of $6,441.00 when determining disposable income.

- There is $1,234 in non exempt equity in the Honda Pilot.


Plan proposes $176 x 60 Base
Payments: 1/2 Arrears: $176


RESOLVED:
- The debtor needs to provide a certification regarding the deposit of $6,199 on 4/3/24 (Per cert this was her Federal Tax Refund

Matter ResolvedRequest
Adjourment
1867/10/2024 10:00 am24-15009 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
8/14/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $914.00  
7/9: payment is processing on TFS..

As of 7/5/24(mk): No payments as of now


1. Must file pre conf cert and make payments
2. need mtg claim to be filed.


Plan: $1207 X 60; 0%
0/2 payment
Matter ResolvedRequest
Adjourment
07/10/2024 10:00 am24-15854 / MBKDaniel E. Straffi, Esq.Order Show CauseWithdrawn
Matter ResolvedRequest
Adjourment
1877/10/2024 2:00 pm19-18605 / MBKKirsten B. Ennis, Esq.Motion CompensationGrantedTotal Paid In: $87,930.00
Matter ResolvedRequest
Adjourment
1887/10/2024 2:00 pm19-29716 / MBKJamal J. Romero, Esq.Motion CompensationGrantedTotal Paid In: $113,688.00
Matter ResolvedRequest
Adjourment
1897/10/2024 2:00 pm19-30489 / MBKMarc C. Capone, Esq.Motion CompensationRevised Order SubmittedTotal Paid In: $57,342.00
Revised Order submitted 6/19/24 (dm)
Matter ResolvedRequest
Adjourment
1907/10/2024 2:00 pm20-10160 / MBKDaniel E. Straffi, Esq.Motion CompensationGrantedTotal Paid In: $39,670.00
Matter ResolvedRequest
Adjourment
1917/10/2024 2:00 pm20-18091 / MBKMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $12,252.00
Matter ResolvedRequest
Adjourment
1927/10/2024 2:00 pm20-18871 / MBKDaniel E. Straffi, Esq.Motion CompensationGrantedTotal Paid In: $20,926.00
Matter ResolvedRequest
Adjourment
1937/10/2024 2:00 pm21-11109 / MBKKevin C. Fayette, Esq.Motion CompensationGrantedTotal Paid In: $37,809.00
Matter ResolvedRequest
Adjourment
1947/10/2024 2:00 pm21-19299 / MBKKirsten B. Ennis, Esq.Motion CompensationGrantedTotal Paid In: $31,100.00
Matter ResolvedRequest
Adjourment
1957/10/2024 2:00 pm22-10295 / MBKKevin C. Fayette, Esq.Motion CompensationGrantedTotal Paid In: $44,463.00
Matter ResolvedRequest
Adjourment
337/10/2024 2:00 pm22-13002 / MBKRobert Cameron Legg, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $12,228.00
7/11/24 - OTBS (dm)
CAR CASE
creditor - $3,712.17 due thru June
Atty wants arrears thru plan

Debtor OBJ, requests recap in plan<>PERITUS /2015 Acadia (Eisenberg & Gold)
Matter ResolvedRequest
Adjourment
1967/10/2024 2:00 pm22-18533 / MBKDaniel E. Straffi, Esq.Motion CompensationGrantedTotal Paid In: $16,368.00
Matter ResolvedRequest
Adjourment
1977/10/2024 2:00 pm22-18866 / MBKDaniel E. Straffi, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment
1987/10/2024 2:00 pm22-20160 / MBKJoseph Casello, Esq.Motion CompensationGrantedTotal Paid In: $9,000.00
Matter ResolvedRequest
Adjourment
1997/10/2024 2:00 pm23-11189 / MBKAndrew Thomas Archer, Esq.Motion CompensationGrantedTotal Paid In: $10,617.00
Matter ResolvedRequest
Adjourment
2007/10/2024 2:00 pm23-14718 / MBKJustin M. Gillman, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment
2017/10/2024 2:00 pm24-11270 / MBKMarc C. Capone, Esq.Motion CompensationGranted
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes