Judge Christine M. Gravelle
Hearing Date: 7/17/2024
Hearing Count: 0
Last Updated: 07-12-2024 06:36 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
17/17/2024 9:00 am17-34307 / CMGKirsten B. Ennis, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - Objections
7/2/24(mk) : email from atty says:, my client is not on board with the amounts to reinstate the case and the payoff. Apparently, the HOA told her that she owes an additional 10K and I'm not clear whether it concerns pre or post-petition arrears.

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

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

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

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

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

Matter ResolvedRequest
Adjourment
27/17/2024 9:00 am18-17695 / CMGCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $38,135.00
Debtor obj, will make pymt & requests recap in plan<>SANTANDER/Penwood Drive (Brock & Scott)


TR arrears:5,419.61 Last pay 3/25/24

POt pet delinquency 13,588.30
Matter ResolvedRequest
Adjourment
37/17/2024 9:00 am18-28131 / CMGAndrew Thomas Archer, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objections
Debtor obj, will pay<> WILMINGTON/Rutland Ave (LOGS)
Matter ResolvedRequest
Adjourment
47/17/2024 9:00 am19-16297 / CMGCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $39,572.00
SV/WILMINGTON; FAILED TO SELL BLAINE AVE PPTY BY 2/1/24


mk:ex spouse(David Swenson) filed action PRO SE in Chancery Ct/Probate Part in Ocean Cty - to probate a Will - a second Holographic Will.. the plot thickens

Note: he sent some emails to our office when the sale motion was on BUT never objected to the sale motion
Matter ResolvedRequest
Adjourment
57/17/2024 9:00 am19-25044 / CMGMelinda D. Middlebrooks, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $144,462.00
AMT: $ 144,462 PTD (58); $7,704 x 1 (July); $3,965 X 3 BEG 8/1/24; plan extended to 62 mo (ATTY ok)<<>>

MP on 7/17/24 **RECOMMEND DENIED"<>

Debtor obj, made pymt<> ARREARS10,684 as of 7/5/24

THERE 1 MOS LEFT IN PLAN AND A PLAN BALANCE OF $19,609.08


Matter ResolvedRequest
Adjourment
67/17/2024 9:00 am19-25109 / CMGRobert Cameron Legg, Esq.Trustee Certification of DefaultContinued
8/7/2024 9:00 am
Total Paid In: $69,458.00
AMT; MP 8/7 **FILE ADJ REQUEST FOR TR MTN BY 7/12 OR APPEAR TO REQUEST ADJ<>

Debtor obj, filed MP<>ARREARS
Matter ResolvedRequest
Adjourment
77/17/2024 9:00 am19-29326 / CMGJoel R. Spivack, Esq.Creditor Certification of DefaultOrder to be Submitted
otbs

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

adj to debtor be current
Matter ResolvedRequest
Adjourment
87/17/2024 9:00 am20-11160 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $125,667.00
debtor opp'n>ARREARS 27,500 LAST PAY 3/7/24

debtor says :proposes to pay the total amount due of $22,000 on Friday, May 31, 2024 to bring her current through June.

5/29 MK: EMAIL TO ATTY: where is $ coming from???
REPLY-coming from a relative.
Matter ResolvedRequest
Adjourment
97/17/2024 9:00 am20-11183 / CMGTimothy P. Kane, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $45,550.00
7/17/- to be current - NFA - Preemptory

Debtor obj<> ARREARS 5,506.94 Last pay 2/28

debtor opp'n says debtor was app'd for LM-

mk: NO MOTION TO APPROVE HAS BEEN FILED??
already has 2 TR Orders for recap 12/2021 and 8/2022
Debtor was supposed to sign up for ewage never did
Matter ResolvedRequest
Adjourment
107/17/2024 9:00 am20-14763 / CMGStacey L. Mullen, Esq.Motion to Approve Loan ModificationRevised Order SubmittedTotal Paid In: $32,713.00
Nationstar obj **WITHDRAWNH**( LOGS)<> MTN TO APPROVE LM
Matter ResolvedRequest
Adjourment
117/17/2024 9:00 am20-16741 / CMGJustin M. Gillman, Esq.Creditor Certification of DefaultContinued
8/7/2024 9:00 am
Total Paid In: $32,821.00
7/11/24: parties working on resolution

Debtor obj<>PHH/Borghaus Rd (McCalla)

Post pet 1,819.64

debtor can cure in a reasonable time period
Matter ResolvedRequest
Adjourment
127/17/2024 9:00 am20-20180 / CMGBruce C. Truesdale, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $40,637.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, will pay<> SN Servicing/Third St (Friedman Vartolo)

past due post pet=3,163.04
Matter ResolvedRequest
Adjourment
137/17/2024 9:00 am21-18456 / CMGAndrew G. Greenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $14,275.00
AMT: SALE ORDER 6/12/24 -NEED STATUS--------mk: sent email to atty 7/9/24

motion for cont admin on 5/15- GRANTED ISSUES AREARS 5,160
SV order entered 4/29/24

and motion to sell property at 100%

ARREARS $ 5,160 last pay 11/13/23- ORDER FOR STAY RELEIF ENTERED 4/29/24 (#80)

4/9/24(mk) debtor passed away back in NOV - no notice of death filed or a motion for continued Admin

2//27/24(mk): atty writes debtor recently passed away , Daughter is Executrix and waiting for Surrogates papers then will file motion to continue admin and motion to sell real property
Matter ResolvedRequest
Adjourment
147/17/2024 9:00 am22-10331 / CMGJohn Zimnis, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $6,766.00
7/9/24: CREDITOR W/D THE CERT OF DEFAULT


7/2/24: creditor may w/d the cert,.
AMT: TR LTR REQUESTING CONDUIT<>

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

Amt due 5,467.92

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

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

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

Matter ResolvedRequest
Adjourment
157/17/2024 9:00 am22-16310 / CMGRobert C. Nisenson, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $6,016.00
Debtor obj, will pay<>NAT'L MTG/Ellis Rd (ROBERTSON)

deboro thinks he's current - will provide proof..
Matter ResolvedRequest
Adjourment
167/17/2024 9:00 am22-16755 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $13,780.00
6/4: parties still negotiating

5/15: payments have been sent after motion so need to see what was rec'd- so if still behind- then conduit


atty says its current

5/13/24: creditor has provided numbers for conduit draft


AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, will pay<>SHELLPOINT /West Long Branch Ave(PINCUS)

Post pet as of 4/12/24 $5480.79
debtor missed 2 payment in error - will be current by hearing date.
Matter ResolvedRequest
Adjourment
177/17/2024 9:00 am22-18215 / CMGWarren Brumel, Esq.Motion Motion (Generic) - Only use if no other event is applicableRecommend GrantingTotal Paid In: $3,800.00
TTR MOTION FOR TURNOVER SALE PROCEEDS AND CLOSE CASE EARLY
Matter ResolvedRequest
Adjourment
187/17/2024 9:00 am22-18531 / CMGJonathan Goldsmith Cohen, Esq.Motion Relief from Stay (Fee)Continued
8/7/2024 9:00 am
Total Paid In: $27,930.00
debtor atty agrees to conduit and creditor waiting for approval and will provide numbers - adj to8/7 for that to happen

AMT: TR LTR REQUESTING CONDUIT<>

NATIONASTAR/Mayaquez Lane (Brock & Scott)

debtor atty says:
Opposition was docketed. Proposed that delinquent mortgage payments for June, July be amortized into Chapter 13 Plan and that conduit payments begin as of August 1st. Proposed same to attorney for mortgage lender. Waiting to hear back from him so that this can be marked OTBS.
Matter ResolvedRequest
Adjourment
197/17/2024 9:00 am22-19726 / CMGScott D. Sherman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/21/2024 9:00 am
Total Paid In: $14,539.00
MP filed

Debtor obj, filing MP<>SV/FREEDOM MTG order enter 1/17/24

5/29(mk): debtor says filed opp'n just now- debtor is current but need time to work on MP or move to reinstate stay
Matter ResolvedRequest
Adjourment
207/17/2024 9:00 am23-10910 / CMGSteven J. Abelson, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsTotal Paid In: $14,075.00
>>OST<<<

will need Judge( due to sanctions)if not resolved

DEBTOR MTN FOR RELEASE OF LEVY, DAMAGES, SANCTIONS, FEES AGAINST KAPITUS SVS AND IT'S COUNSEL, NGUYEN BALLATO
Matter ResolvedRequest
Adjourment
217/17/2024 9:00 am23-10955 / CMGRobert Jeney, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $2,470.00
ARREARS 2,430 as of 7/9/24


5/29/24(mk) email to Atty- atty reply - debtor has been unemployed August and has applied for disability. needs a little time

Debtor has not been making the full TR payment since 10/2023
Matter ResolvedRequest
Adjourment
227/17/2024 9:00 am23-11217 / CMGJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $158,772.00
amt: Mp 7/17

Motion for compensation on 8/7> seeking more atty fees of 8,300 when already rec'd 12.167.75 in this case- fee app needs review(mk)

5/29/24(mk): email to atty- SAYS FILED A MP AND WILL FILE OPP'N co debtor was employed as a nurse - now back in school


(AMT: NEEDS TO ADDRESS ORDER #60, APPROVING REFI/MTG CLM RESERVED PENDING APOC OR NOTIFICATION THAT REFI DID NOT COMPLETE) <<>>

ARREARS 18,222 as of 5/17/24
Matter ResolvedRequest
Adjourment
237/17/2024 9:00 am23-11632 / CMGJeffrey E. Jenkins, Esq.Motion Reinstate StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $38,138.00
adj 7/17 for posting and stay contuning to 7/17/- debtor ok to conduit and creditor has to check

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

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

interim order extending stay to 7/3

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

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

AMT: TR LTR REQUESTING CONDUIT<>

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



** OST**

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

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


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

Mk: SV by Order 2/27/24 - now debtor says caught up w/ mtg payments
Matter ResolvedRequest
Adjourment
247/17/2024 9:00 am23-11881 / CMGJohn H. Anlian, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $16,800.00
AMT: MP 7/17** RECOMMEND DISMISSAL**<<>>

6/4/24(mk) Atty has now had contact form debtor and spouse- she was not in the lo0p prior and she will get the $20,000 form her pension to save home adj to 7/17 PREEMPTORY to be current or really close so we can confirm.

MK: atty says has lost contact w/ client arrears 20,000

MP on 6/5** RECOMMEND DISMISSAL**<<>>


4/10/24(mk) - sent email to atty atty need to file a MP the most recent one was w/d and last confirmed plan was 9/2023- debtor lost job since then and fell behind so need to address arrears for TR and mtg.

>> atty is working on MP

MP #45 was w/d. atty to file new MP and motion objecting to DSO claim as claims it was paid. Needs request to adj this Tr Motion

Debtor obj<>FAILED TO ADDRESS GECZI LAT FILED CLM #7-1; MOTION OBJECTINFG TO CALIM ON 5/1/24

ARREARS 15,000 . LAST PAY 12/6/23

FILED A MP( NO NOTICE) to catch up on amended amended I & J- MP still does not address the DSO late claim #7-1

3/23:MK sent atty email on probs w/ MP and debtor needs to make a payment ASAP

atty reply - he will file opp'n to Tr moiton. he will w/d mp #45 and refile plan on notice- he is going to move against the DSO claim as says debtor is now current on that.
Matter ResolvedRequest
Adjourment
257/17/2024 9:00 am23-12768 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/21/2024 9:00 am
Total Paid In: $2,400.00
FAILED TO SELL S. CHESTNUT ST PPTY BY 6/1/24; ARREARS $600 last pay 4/22/24
Matter ResolvedRequest
Adjourment
267/17/2024 9:00 am23-12798 / CMGKirsten B. Ennis, Esq.Motion File Claim After Claims Bar DateNeeds Resolution of Issues - ObjectionsTotal Paid In: $3,750.00
MTN LATE POC OF IRS

TR limited Objection : NEEDS REVISED ORDER AUTHORIZING TR TO PAY LATE CLAIM
Matter ResolvedRequest
Adjourment
277/17/2024 9:00 am23-12798 / CMGKirsten B. Ennis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $3,750.00
AMT: MP 7/17**NEEDS RESOLUTION**

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

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

debtor says filed a MP( On 5/15/24) to sell property as LM was denied
Matter ResolvedRequest
Adjourment
287/17/2024 9:00 am23-13870 / CMGJohn Michael McDonnell, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am
Total Paid In: $158,331.00
as of 7/10/24(mk) arrears 28,300 and that includes the 3,000 payment that posted 7/9/24

motion to reinstate stay is on 8/7


mk :payments need to post adj to 7/17 for that

Debtor obj<>SV/ATCF II; ARREARS 21,621
PAYMENT OF $3000.00 WAS REVERSED DUE TO INSUFFICIENT FUNDS ON 07/11/2024-KB

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

must address SV for mtg and tax lien on real prop
Matter ResolvedRequest
Adjourment
297/17/2024 9:00 am23-14191 / CMGKevin C. Fayette, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $21,146.00
adj to 7/17 for resolution

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, making pymt & requests recap<>US BANK TRUST NAT'L ASSOC/Courtland Lane (ROBERTSON)
Matter ResolvedRequest
Adjourment
307/17/2024 9:00 am23-14365 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/21/2024 9:00 am
Total Paid In: $2,600.00
FAILED TO REFI BY 6/1/24
Matter ResolvedRequest
Adjourment
317/17/2024 9:00 am23-15094 / CMGLee M. Perlman, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $15,918.00
AMT: TR LTR REQUESTING CONDUIT<>

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

debtor says paid all but June payment and that will be paid before end of June.
Matter ResolvedRequest
Adjourment
327/17/2024 9:00 am23-15553 / CMGRobert Cameron Legg, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $14,413.00
5/30:creditor uploaded 30 adj request to allow acct to become current by 7/17

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj<> CARRINGTON/Green Grove Place ( Hill Wallack

Arrears $ 6,832 as of 4/19
debtor wants pay history
Matter ResolvedRequest
Adjourment
337/17/2024 9:00 am23-15974 / CMGJames J. Cerbone, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $11,610.00
Debtor obj, made pymt<>US BANK/5th ave (Friedman Vartolo)

debtor says has paid
Matter ResolvedRequest
Adjourment
347/17/2024 9:00 am23-16205 / CMGJeffrey E. Jenkins, Esq.Motion Relief from Stay (Fee)Continued
8/21/2024 9:00 am
Total Paid In: $6,724.00
AMT; TR LTR REQUESTING CONDUIT<>


FREEDOM MTG/ Derose Lane (BROCK)
Matter ResolvedRequest
Adjourment
357/17/2024 9:00 am23-16589 / CMGBruce C. Truesdale, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $4,210.00
Debtor obj, made pymt<>FAILED TO ADDRESS NJ PER PLAN CLM; ARREARS 2,680. that includes the payment of $670 posted on 7/9/24 last pay


6/27: adj for $ to post and recap w/ ewage/TFS on 7/17

Matter ResolvedRequest
Adjourment
377/17/2024 9:00 am23-16620 / CMGAndrew Thomas Archer, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $2,800.00
Debtor obj, LM offer & applying for ERMA<>FAY/Terrell La (FRIEDMAN)
Matter ResolvedRequest
Adjourment
367/17/2024 9:00 am23-16620 / CMGAndrew Thomas Archer, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $2,800.00
Debtor obj, proposing recap<> ARREARS
as 3063 as of 7/10 Last pay was 4/1/24 and there is an MFR on 7/17
Matter ResolvedRequest
Adjourment
387/17/2024 9:00 am23-16814 / CMGGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $22,698.00
DEUTSCHE BANK/CARRINGTON MTG -Edgar Rd (STERN LAVINTHAL)

Matter ResolvedRequest
Adjourment
397/17/2024 9:00 am23-17031 / CMGPaul H. Young, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am
Total Paid In: $4,000.00
AMT: MP 8/7<<>>

MP filed 6/2/24 to extend LM

Debtor obj, LM in review<>DEBTOR FAILED TO LM BY 4/30/24
Matter ResolvedRequest
Adjourment
407/17/2024 9:00 am23-17065 / CMGRussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $5,400.00
AMT: MP 7/17 >>> HR

mk: have an adj request as says MP has been filed to extend time for LM

Debtor obj, filing MP to extend time to complete LM<>FAILED TO LM BY 5/1/24
Matter ResolvedRequest
Adjourment
417/17/2024 9:00 am23-17103 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $22,400.00
Debtor obj, requests to roll in plan<>LAND HOME FINC/Cottonwood Court (PADGETTI LAW)

post pet $10,392.34 as of May 6,2024
Matter ResolvedRequest
Adjourment
427/17/2024 9:00 am23-17985 / CMGPeter E. Zimnis, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - Objections
mk: 6/7/24: att Tim Kawira from St Of NJ sent email w/ attachment- Per the NJ Division of Taxation, the following returns are still missing:

S&U -- 01/2019-03/2019 & 04/2019-06/2019.

GIT-ER returns -- 07/2017-09/2017 & 10/2017-12/2017.


NJ obj<>MTN FOR NJ TO AMEND POC #21-1 TO REFLECT 2019-2023 FILINGS

NJ says Debtor must file the returns

atty says tax returns filed- need APOC
Matter ResolvedRequest
Adjourment
437/17/2024 9:00 am23-18048 / CMGAndrew M. Carroll, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $702.00
FAILED TO SELL BALFOUR LN PPTY BY 6/1/24; ARREARS
Matter ResolvedRequest
Adjourment
07/17/2024 9:00 am23-18083 / CMGSteven D. Pertuz, Esq.AP Motion Motion (Generic) - Only use if no other event is applicableJudge to Reserve DecisionTotal Paid In: $3,890.00
MTN TO APPROVE SETTLEMENT

TR has no oppostion
Matter ResolvedRequest
Adjourment
07/17/2024 9:00 am23-18083 / CMGSteven D. Pertuz, Esq.AP Hearing Rescheduled (Document)Judge to Reserve DecisionTotal Paid In: $3,890.00
NOTICE OF PROPOSED COMPROMISE, DOC #11
Matter ResolvedRequest
Adjourment
447/17/2024 9:00 am23-18088 / CMGEugene D. RothMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $3,743.00
FAILED TO SELL CYPRESS LN PPTY BY 6/1/24
Matter ResolvedRequest
Adjourment
457/17/2024 9:00 am23-18210 / CMGMarc C. Capone, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $10,030.00
atty says - they have agreed upon order and don't want conduit

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, can make pymt & requests recap<>FREEDOM MTG/James Rd (BROCK & SCOTT)

post pet 5,218.04 as of 6/7/24
Matter ResolvedRequest
Adjourment
467/17/2024 9:00 am23-18268 / CMGMaryBeth Schroeder, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $6,782.00
Debtor obj, will pay<>NEWREZ/Hummel Dr (PARKER)

post pet 6,851.84 as of 5/23/24
debtor says was on disability - got a lump some and will pay
Matter ResolvedRequest
Adjourment
477/17/2024 9:00 am23-18297 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $6,785.00
Plan balance $269.02

6/17 AMT: ONLY SMALL PL BALANCE AFTER MTG CLM ADJUSTED PER LM ORDER; PAYOFF ISSUED<<>>

ARREARS
Matter ResolvedRequest
Adjourment
487/17/2024 9:00 am23-18346 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $4,500.00
ALLY CAPITAL/32016 Chevy (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
497/17/2024 9:00 am23-18832 / CMGMichael Pocchio, Jr., Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - Objections
NOW OBJECTION TO MOTION>Creditor Makdis/Fayed obj ( Despotovich)<>

6/19/24:REVISED ORDER SUBMITTED ON THIS MOTION W/ ADD'L LANGUAGE AND ATTY WILL W/D #42

MK: atty file this motion after my obj seeking a revised Order - he includes an order to reopen and adds my requested language for this BUT its the wrong form of order -
6/18: sent atty email to w/d this motion and email chambers w/ correct form of order vacating a dismissal( provided the form as an attachment



TR OBJECTION; NEEDS A REVISED ORDER USING THE MANDATORY FORM OF ORDER ON THE CT'S WEBSITE AND ADD IN ON PAGE 2 :341 MUST BE COMPLETED ON OR BEFORE 8/1/24 AND CONFIRMATION DATE IS 8/21/24)



Matter ResolvedRequest
Adjourment
507/17/2024 9:00 am23-18905 / CMGJames J. Cerbone, Esq.Motion SellNo Opposition FiledTotal Paid In: $10,417.00
MOTION TO SELL 544 FRANK APPLEGATE RD

applications for retention of realtor and atty for closing- filed

Plan confirmed in Feb 2024 at home value of $554,700 and min equity t/h 108,008. Now 4 mos later in June 2024 selling at 985,000 leaving equity at 480,557(GUC total 154,995)

>>>ORDER AS BALANCE OF PROCEEDS TO TR - SO AS LONG AS THE $ IS SENT TO COVER 100% TO GUCS- TR IS OK
Matter ResolvedRequest
Adjourment
517/17/2024 9:00 am23-18989 / CMGAndrew G. Greenberg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $19,048.00
Debtor obj, can resume & requests recap<>MERCEDES BENZ / 2020 GLA250W4(EISENBERG GOLD)
Matter ResolvedRequest
Adjourment
527/17/2024 9:00 am23-19143 / CMGBrian S. Thomas, Esq.Motion Relief from Stay (Fee)Continued
8/7/2024 9:00 am

Debtor obj, made pymt & requests recap<>MIDFIRST BANK/Azalea Court (KML)

post pet 11,599.06 as of 6/1/24
Matter ResolvedRequest
Adjourment
537/17/2024 9:00 am23-19163 / CMGMoshe Rothenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $800.00
debtor opp'n>>FAILED TO SELL 8TH ST PPTY BY 5/31/24

debtor says will have signed K of Sale by 7/17
Matter ResolvedRequest
Adjourment
547/17/2024 9:00 am23-19532 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Continued
8/7/2024 9:00 am
Total Paid In: $3,880.00
7/12:mk: new servicer or loan - need more time to figure it out

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

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

AMT: TR LTR REQUESTING CONDUIT<>

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

mk: post pet $5,518.41 as of hearing date
Matter ResolvedRequest
Adjourment
557/17/2024 9:00 am23-19802 / CMGRonald E. Norman, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $690.00
Debtor obj<>CREDIT ACCEPTANCE / 2016 Corolla (EISENBERG)
Matter ResolvedRequest
Adjourment
567/17/2024 9:00 am23-20538 / CMGJoseph Albanese, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $1,072.00
as of 7/10 : no motion to approve a LM has been filed


FAILED TO LM BY 5/31/24

6/21/24(mk) atty says has LM will file motion to Approve
Matter ResolvedRequest
Adjourment
577/17/2024 9:00 am23-20593 / CMGBrad J. Sadek, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTotal Paid In: $2,201.00
MTN TO SUSPEND TRUSTEE PAYMENTS

mk: order proposes suspend payments April- august then begin Sept at recap payment of 1117 x 52 Plan has run 7 mos as of June

1117 begin sept will complete plan timely
Matter ResolvedRequest
Adjourment
587/17/2024 9:00 am23-20622 / CMGBrad J. Sadek, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $575.00
RECAP: $575 PTD Then $234 x 52 Begin 8/1/24 Debtor needs to sign up for EWAGE w/in 10 days.- email to atty


adj to 7/17 for $ to post and recap and ewage

Debtor obj, will pay<>

as of 7/10/24:ARREARS $1,085Last pay 2/6/24
Matter ResolvedRequest
Adjourment
597/17/2024 9:00 am23-20627 / CMGLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Recommend Dismissal
atty needs to review w/ debtor- 2 weeks 7/17 for status or D

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

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



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

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

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

Mp filed 5/14- sale of property
Matter ResolvedRequest
Adjourment
607/17/2024 9:00 am23-20647 / CMGSteven J. Abelson, Esq.Creditor Certification of DefaultContinued
8/7/2024 9:00 am
Total Paid In: $6,292.00
Debtor obj<>SABRINA PORCARO
Matter ResolvedRequest
Adjourment
617/17/2024 9:00 am23-20709 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $2,000.00
debtor has all funds to be current


ALLY CAPITAL / 2015 Tahoe (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
627/17/2024 9:00 am23-21336 / CMGKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $1,800.00
Debtor obj, filing MP<>SV/ALLY BANK
Matter ResolvedRequest
Adjourment
637/17/2024 9:00 am23-21366 / CMGLaurence R. Sheller, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $4,660.00
needs 2 more weeks to work out settlement

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


AMT: TR LTR REQUESGING CONDUIT<>

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

post petition $2,140.97
debtor says paid
Matter ResolvedRequest
Adjourment
647/17/2024 9:00 am23-21690 / CMGRobert Manchel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/7/2024 9:00 am
Total Paid In: $7,146.00
MP filed on 8/7

debtor filed appl to retain realtor Dc #31- all it was was notice - then filed #32 w/ proper papers


FAILED TO OBTAIN LM BY 5/22/24; FAILED TO FILE PRE CONF CERT BY 5/31/24
Matter ResolvedRequest
Adjourment
657/17/2024 9:00 am23-21715 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
7/17 to resolve-debtor has funds to cure

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

post pet due as of 4/24/24= 4,710.84
Matter ResolvedRequest
Adjourment
667/17/2024 9:00 am23-21951 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $7,297.00
7/10/24(mk) Order was submitted for outside cure: post pet default 5,570.23. Debtro pay 3,002.40 w/ in 10 days and make 5 extra moly payments of 427.98


AMT: TR LTR REQUESTING CONDUIT<>

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

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

1st default 1st case- and parties have resolution
Matter ResolvedRequest
Adjourment
677/17/2024 9:00 am24-10255 / CMGYakov Rudikh, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $4,300.00
Debot obj, will pay<>SANTANDER /2017 oUTBACK (EISENBERG)
Matter ResolvedRequest
Adjourment
687/17/2024 9:00 am24-10306 / CMGKevin C. Fayette, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $6,960.00
6/11/14(mk): creditor does not oppose conduit and gave us numbers

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, can make pymt & requests recap<>NEWREZ/SHELLPOINT - Laurie Way(STEWART LEGAL)

arrears 4,085.80 as of 5/14/24
Matter ResolvedRequest
Adjourment
697/17/2024 9:00 am24-10636 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Continued
8/21/2024 9:00 am
Total Paid In: $2,475.00
LOANDEPOT.COM/ Deer Run Drive (BROCK & SCOTT)


arrears 6,774.71
Matter ResolvedRequest
Adjourment
707/17/2024 9:00 am24-10751 / CMGDavid L. Stevens, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/21/2024 9:00 am

MP filed and on for 8/21

PLAN DENIED ON 5/15/24 AND FAILED TO FILE MP WITHIN 14 DAYS
Matter ResolvedRequest
Adjourment
717/17/2024 9:00 am24-10783 / CMGJohn Zimnis, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $3,000.00
Debtor obj<>5 COBALT REALTY/LANDLORD
Matter ResolvedRequest
Adjourment
737/17/2024 9:00 am24-11014 / CMGJohn Zimnis, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $6,042.00
Debtor obj<>TOYOTA MOTOR /2016 Jeep(STEWART LEGAL)
Matter ResolvedRequest
Adjourment
727/17/2024 9:00 am24-11014 / CMGJohn Zimnis, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $6,042.00
Debtor obj, will pay<>PHH MTG /Parkside Ave(ROBERTSON)

arrears 3393.45 as of 5/20/24
Matter ResolvedRequest
Adjourment
747/17/2024 9:00 am24-11160 / CMGGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
Debtor obj, made pymt<>THE BANK OF NEW YORK MELLON / Bandon Rd (STERN LAVINTHAL)

Order(#21) for Loss mit entered 6/6/24- deadline 9/4/24

conf has terms if obj is resolved - but this MFR also has to be resolved
Matter ResolvedRequest
Adjourment
757/17/2024 9:00 am24-11195 / CMGDavid H. Lipow, Esq.Motion Relief from Stay (Fee)Withdrawn
Debtor obj<>MSC ENTERPRISES/LANDLORD (KRISTEN JOHNSON)
Matter ResolvedRequest
Adjourment
767/17/2024 9:00 am24-11308 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Continued
8/21/2024 9:00 am
Total Paid In: $2,828.00
PENNYMAC / Dover Court (FEIN SUCH)

debtor opp'n- creditor adj request for time to resolve
Matter ResolvedRequest
Adjourment
777/17/2024 9:00 am24-11308 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $2,828.00
debtor opp'n>TOYOTA /2021 Mazda (STEWART)

debtor says made payment make another by 7/12 by phone and then balance by 7/31

Order submitted - direct cure to creditor
Matter ResolvedRequest
Adjourment
07/17/2024 9:00 am24-11308 / CMGJames J. Cerbone, Esq.Certificate of Consent3rd Party MatterTotal Paid In: $2,828.00
Matter ResolvedRequest
Adjourment
787/17/2024 9:00 am24-11410 / CMGKevin C. Fayette, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $5,575.00
Debtor obj, can make pymt & requests recap<>WILMINGTON TRUST / Hoffman Ave (ROMANO)
Matter ResolvedRequest
Adjourment
797/17/2024 9:00 am24-11468 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Order to be Submitted
6/27/24 mk: mtg co researching homeowners ins refund

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

Arrears =7,601.26 as of May

debtor says : working w/ insurance co to resolve policy and billing issue( took him time to resolve when the forced pace insurance was removed. Will pay June and put any balance into plan
Matter ResolvedRequest
Adjourment
807/17/2024 9:00 am24-11556 / CMGJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objections
debtor opp'n>>BERKSHIRE BANK-Harris Rd (BROCK & SCOTT)

MK: note the creditors obj to conf was resolved by Order that states sale by 9/30/24- reg payments made by debtor to creditor pending sale-


debtor opp'n- says has K for Sale and filing motion to approve sale

SO IS THIS MOTION ALSO GOING TO BE RESOLVED?
Matter ResolvedRequest
Adjourment
817/17/2024 9:00 am24-11592 / CMGJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition Filed
PLAN DENIED ON 5/15/24 AND FAILED TO FILE MP

m; email to atty for status - he says he's filing a MP
Matter ResolvedRequest
Adjourment
827/17/2024 9:00 am24-12353 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Continued
8/7/2024 9:00 am
Total Paid In: $600.00
Debtor obj, applying for assistance; will pay<>PNC BANK/Selkirk Ave (KML)

arrears 2520.65
Matter ResolvedRequest
Adjourment
837/17/2024 9:00 am24-12496 / CMGRobert Cameron Legg, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition Filed
MTN EXPUNGE CLM #9 B of A( disputed b'ness debt and no personal g'ty
Back up to POC says debt of Mid Atlantic Electrical and that entity was dissolved
Matter ResolvedRequest
Adjourment
847/17/2024 9:00 am24-12496 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Continued
8/21/2024 9:00 am

Debtor obj, will pay<>SANTANDER /Hillside Dr (BROCK) debtor say scan pay back by end of august

arrears 5,276.79 as of 6/14/24

conf on 7/17- Issues
Matter ResolvedRequest
Adjourment
857/17/2024 9:00 am24-12505 / CMGJames J. Cerbone, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objections
Debtor obj, made pymt<>FINANCIAL SERVICES / 2022 BMW (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
867/17/2024 9:00 am24-12659 / CMGAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
Debtor obj, selling ppty<>FREEDOM MTG/Daniel Webster Ave (BROCK)
Matter ResolvedRequest
Adjourment
877/17/2024 9:00 am24-13403 / CMGPRO SEMotion Relief from Stay (Fee)Continued
8/7/2024 9:00 am

US BANK TRUST BANK (STERN & EISENBERG)
Matter ResolvedRequest
Adjourment
887/17/2024 9:00 am24-14378 / CMGVera Fedoroff, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
Debtor obj<>INVESTORS COMMERCIAL CAPITAL/ South Broad St (EDWARD PAUL)
Matter ResolvedRequest
Adjourment
897/17/2024 9:00 am24-14643 / CMGCarol L. Knowlton, Esq.Motion Relief from Co-Debtor StayMoot - Dismissed
ALLY BANK/ 2013 Acura (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
907/17/2024 9:00 am24-15049 / CMGDaniel E. Straffi, Esq.Motion to Request for Loss MitigationContinued
8/7/2024 9:00 am

US Bank obj (Wohlrab)<> REQUEST FOR LOSS MIT
Matter ResolvedRequest
Adjourment
917/17/2024 9:00 am24-16062 / CMGCandyce I. Smith-Sklar, Esq.Motion Impose Automatic StayNeeds Resolution of Issues - Objections
SN SERVICING (friedman vartolo)<>EXTEND STAY
Matter ResolvedRequest
Adjourment
827/17/2024 9:00 am24-16065 / CMGYakov Rudikh, Esq.Motion Impose Automatic StayNeeds Resolution of Issues - Objections
creditor( Select Portfolio- FRIEDMAN) obj>>EXTEND STAY ALL CREDS

creditor says filed 3 bankruptcies since loan inception- gives no reasons for relief . not filed in good faith



mk:atty to file supp cert as to chg of circumstances

MK: motion says last case was dismissed as ex spose stopped paying mtg and SV- does NOT say how this case will be different- email to atty

Plan pays 50,000 arrears to mtg co and 100%
Matter ResolvedRequest
Adjourment
937/17/2024 9:00 am24-16232 / CMGJustin M. Gillman, Esq.Motion Impose Automatic StayNo Opposition Filed
MTN CON'T STAY
Matter ResolvedRequest
Adjourment
947/17/2024 10:00 am19-25044 / CMGMelinda D. Middlebrooks, Esq.Confirmation Hearing on Modified PlanRecommend DenialDebtor has made 31 of 59 required payments   Arrears: $10,684.00  Total Paid In: $144,462.00
ISSUES AS OF 7/12/2024 (DM):

***There is a plan balance of $19,610. If debtor is seeking to extend Plan past August (month 60) to pay plan balance, then it needs to be done with a Trustee Order on the Trustee Motion to Dismiss - RECOMMEND DENIAL OF PLAN***


Confirmed Case: $113,548 Ptd, then $4,622 x 11, 100% Plan.
Prop. MP: Ptd, $7,704 x 3, 100% Plan.
PTD = $144,462, Arrears $6,062 as MP filed.
Last Claim (15-1) dated 9/29/23.
Matter ResolvedRequest
Adjourment
957/17/2024 10:00 am20-14763 / CMGStacey L. Mullen, Esq.Confirmation Hearing on Modified PlanRecommend Modified Plan be DeniedDebtor has made 32 of 52 required payments   Arrears: $4,262.00  Total Paid In: $32,713.00
As of 7/10/24 (DS): 1. Per Loan mod agreement doc#74 dated 6/1/24, which will be granted on hearing scheduled 7/17/24. Mod Plan propose to pay pre-petition and post-petition arrears, however, due to loan mod there will be no arrears owed and must amend or move against the claim#2-1 of Nationstar.

2. No Trustee payments made for June and July, arrears $4,262.

As of 6/3/24 (DS): Debtor atty requested adj due to Mr. Cooper advising of loan mod, to allow time to get agreement and file motion to approve loan mod.

6/5/24 (DS): 1. Plan is confusing as to payments, which seems to be over 60 months, although plan states 60 months total.

2. Need order entered with Mr. Cooper to confirm amount owed in post-petition arrears. Plan has $2,002.59, need to verify if any difference in arrears. ALSO A LETTER WAS RECEIVED BY OUR OFFICE ON 5/13/24 FROM MR. COOPER WITH REGARDS A LOAN MOD AGREEMENT TO BE ENTERED WITH DEBTOR, WHICH PLAN FAILS TO MENTION AND PROPOSE ARREARS TO BE PAID. EMAILED DEBTOR ATTY

3. Plan is not feasible, propose to pay $1,025 x 11, income is fixed and verifies $644. Must amend Sched I and provide supporting docs to provide how Debtor will pay this amount, such as affidavits of contribution. AMENDED SCHED I & J FILED, PLUS AFFIDAVIT OF CONTRIBUTION FRO,, DAUGHTER WHO ONLY CONTRIBUTES $450, WHICH IS NOT ENOUGH TO FUND THE PLAN, HOWEVER THE DAUGHTER'S INCOME VERIFIES $2,800, BRINGING THE DISPOSABLE INCOME $3,405.

MP Prop $600 x 60, $751 x 5, $1,025 x 11; 0%
- Plan adds arrears per resolution of Mr. Cooper certification of default.
Matter ResolvedRequest
Adjourment
07/17/2024 10:00 am22-17371 / RG David G. Beslow, Esq.Creditor Certification of DefaultContinued
9/18/2024 10:00 am
Total Paid In: $7,000.00
6/3/24 The Trustee takes no position

Debtor obj, applying for LM<>JP MORGAN/Highland Ave (Hladik Onorato)


MP on 8/7/24
Matter ResolvedRequest
Adjourment
07/17/2024 10:00 am22-17371 / RG David G. Beslow, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $7,000.00
MTN APPV EMERGENCY RESCUE MTG ASSISTANCE
Matter ResolvedRequest
Adjourment
967/17/2024 10:00 am23-11217 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 59 of 17 required payments   Arrears: $22,088.00  Total Paid In: $158,772.00
AS OF 7/10/24 (SF)

1. Modified plan includes language in part 9 that there are no longer arrears owed to Nationstar due to loan mod. There is no order approving loan mod and the claim has not been amended for pre-petition arrears (MUST RESOLVE)

Arrears are $19,380 through June but plan will be 100% if Nationstar arrears are removed.

2. Co-debtor is no longer working. Need amended schedules I and J

3. Trustee motion to dismiss scheduled for 7/17 at 9

MP proposes $1292 x 39 100% PLAN
Plan has run 17 months with 43 months remaining
Arrears: $19380.00
Matter ResolvedRequest
Adjourment
977/17/2024 10:00 am23-11881 / CMGJohn H. Anlian, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 6 of 16 required payments   Arrears: $22,000.00  Total Paid In: $16,800.00
7/8 workup for the 7/17 calendar EDC

6/4/24(mk) Atty has now has contact from debtor and spouse- she was not in the loop prior and she will get the $20,000 from her pension to save home adj to 7/17 PREEMPTORY to be current or really close so we can confirm..NOT DONE, STILL $20,000 IN ARREARS

Trustee obj:
(1) The plan is not feasible.
(2) The debtor failed to obtain money to cure the $20,000 in arrears per the last adjournment.

MP $15800 paid then $3500 x 46 beg 6/1-100% with minimum of $14,500 to unsecured--debtor to sign up for ewage automatic deductions within 7 days


------------------------
resolved
mk: 5/23:atty email - has lost contact w/ client - case should be dismissed on TR motion and this conf marked as Moot-Dismissed
Matter ResolvedRequest
Adjourment
987/17/2024 10:00 am23-12798 / CMGKirsten B. Ennis, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 15 of 15 required payments   Arrears: $0  
Total Paid In: $3,750.00
As of 7/9/24(mk):

conf been adj 3x since May. It is a sale plan ( filed in April) and yet still not listed for sale.

1. Objection By Bank Of NY/ Shellpoint( Hill Wallack):
plan fails to pay arrears

As of 7/24- property still was NOT listed for sale. MTG arrears claim 124,725.21- Needs a sale and can't sell if not listed and no realtor appt

> needs revised order to adding language that TR is authorized to pay late IRS claim; when tha come is IRS priroty is $2,304 and guc is 24,612.89

The other 2 small gucs have been paid per prior conf order.




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


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

AS of 5/2/24(mk):

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

GUC was paid

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

Plan has run 13 mos and has 23 under original length- THIS PLAN MAKES IT TOTAL 60 MO PLAN
Matter ResolvedRequest
Adjourment
997/17/2024 10:00 am23-13119 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 15 of 15 required payments   Arrears: $0  

AR RESOLVE OR HOLD

ISSUES AS OF 7/12/2024 (DM): Trustee and Atty are discussing the turnover of $10k in exempt PI proceeds to come up with a compromised payment. Worksheet has been updated by DM.

 Atty wants held for judge. TR seeking scheduling order for 2004 subpoena and doc production for an evidentiary hearing.

 5/1/24 - AR to call debtor attorney.
 Response Doc #37.

***Still need to address Trustee objections regarding new expense(s) on amended Sch J***

1) Trustee OBJ:
- There is $7,913 of non-exempt equity in the residence.

- Amended Sch J adds new expenses of $987 for spouse personal loan (UNRESOLVED) and $300 for spouse's care of elderly father (RESOLVED.) Need proof of excessive expenses 10 days prior to confirmation.

- Need statements for the debtor & non-filing spouse's 401k loans and 457 loan (RECEIVED LOAN STATEMENT FOR DEBTOR - $528 MONTHLY ON LOAN #014 ENDS JUNE 2026 AND $439 MONTHLY LOAN #013 ENDS FEB 2024 - SPOUSE'S LOAN $330 MONTHLY ENDS OCT 2028 AND $350 MONTHLY LOAN ENDS MAY 2026.)


***RESOLVE ISSUES***


 Motion to Approve Loan Mod filed with 4/1/24 objection deadline. Note that the $50,000 down payment for Loan Mod is coming from a hardship withdrawal from retirement account.

A) West Coast Servicing (Hladik, Onorato) OBJs - loan matured on 8/1/2021 and creditor has filed a total debt claim in the amount of $117,897.44. Plan proposes a loan modification on this mortgage (MOTION TO APPROVE LOAN MOD ENTERED.)

B) ACAR Leasing obtained stay relief on 2021 Chevy Traverse (LEASE WAS NOT ASSUMED IN PART 6 OF THE PLAN AND THUS REJECTED).

C) Athene Annuity & Life Assurance Company (RAS) OBJs - failure to cure arrears of $2,262.68 per POC (CONSENT ORDER SUBMITTED).

D) Trustee OBJ:
- Need homeowner's insurance renewal declaration (RECEIVED).
- Need proof of insurance for the 2019 GMC - policy expires 7/20/23 (RECEIVED).
- Must file a Fee App within 7 days of confirming (LANGUAGE ADDED).
- Need a statement for the second mortgage (WEST COA
Matter ResolvedRequest
Adjourment
07/17/2024 10:00 am23-16038 / RG Jonathan Stone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Recommend DismissalTotal Paid In: $18,122.00
6/3/24 (sf) - Per attorney, ok to dismiss

Debtor obj, atty has $11,0000<> SV/US BANK
Matter ResolvedRequest
Adjourment
1007/17/2024 10:00 am23-16926 / CMGMarcia Y. Phillips, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 11 required payments   Arrears: $136,550.00  
As of 7/12/24 (DS): 1. Mod plan adds to pay TD/Raymour claim#8-1 $3,542 in full, but does not list the full claim amount $3,701.09. Case is 100%. Emailed Debtor atty

2. T-Mobile claim#6-1 obj was granted 6/5/24, but no order on docket and claim has not been withdrawn. Emailed Debtor atty

MP filed 6/5

As of 6/3/24 Debtor made an additional payment $12,040, total paid to date is $65,119, but there still leaves the 1(e) problem for the joint admin.

6/5/24 (DS): 1. Trustee obj to mod plan filed 5/3/24 fails to check Part 1e for joint admin, also mod plan fails to add arrears owed to Lakeview $4,076.78, specify treatment of US Dept of HUD and TD Retail/Raymour & Flanigan bifircated claim.

2. Plan proposed lump sum payment $67,000 and at hearing Trustee was informed Debtors has $67,000 and will send, but only paid $49,960, plus $500 monthly payment total $50,460, still not the amount plan proposed to pay. Debtor was refunded $1,381 on 1/2/24. DEBTORS MADE AN ADDITIONAL PAYMENT $12,040 ON 6/3/24, BRINGING TOTAL PAID TO DATE $65,119.

3. Debtor attorney filed obj to claim#6-1 of T-Mobile sched 6/5/24. Need outcome since plan needs to be 100%. Granted 6/5/24, but no order on docket. Need order.

4/17: debtors have $67,000 and will send $

As of 4/9/24 (DS): 1. Mod plan propose lump sum payment $67,000 in month 7, which has passed and no payment made. No payment has been made since 2/6/24, Debtor in arrears $70,500. MOD PLAN REMOVES LUMP SUM PAYMENT

2. Mod Plan fails to include arrears owed to Lakeview $4,076.78, specify treatment of US Dept of HUD and TD Retail/Raymour & Flanigan bifircated claim.

3. Trustee obj:
- There is $146,044.55 non-exempt equity in real property, $2,224 in car and $3,707.35 in bank accts total $151,975.90. MP PROPOSE 100%
- Add to confirming order non-exempt proceeds from auto accident to Trustee.
- Need to resolve creditor objection.
- Excessive expenses on Sched J: Car insurance $832 (Debtor testified $698) and $600 for support of grow
Matter ResolvedRequest
Adjourment
1017/17/2024 10:00 am23-17065 / CMGRussell L. Low, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 11 of 11 required payments   Arrears: $0  
Total Paid In: $5,400.00
ISSUES AS OF 7/12/2024 (DM):

***TRUSTEE CAN RECOMMEND A LOW BASE CONFIRMATION AT $5,400 PTD, THEN $500 x 49 STARTING 8/1/24, BASE PLAN, LOAN MOD WITH BANK OF NY MELLON BY 12/31/24, TRUSTEE SHALL MAKE PAYMENT ON POC (5-1) PENDING THE LOAN MOD***


Confirmed Case: $2,900 Ptd, then $500 x 54, Base Plan.
- Loan Mod by 5/1/24 or as extended by Loss Mit Order.
Prop. MP: $500 x 60, Base Plan.
- Loan Mod by 12/2024.
PTD = $5,400, Arrears $0 as MP filed.
Last Claim (7-2) dated 1/23/24.
Matter ResolvedRequest
Adjourment
1027/17/2024 10:00 am23-17985 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 3 of 10 required payments   Arrears: $3,000.00  
AR MUST HAVE ALL RETURNS FILED
7/10 workup for the 7/17 calendar EDC

atty filed 1 page of plan at #41 - What is this???

MP(#39) filed 6/13/24 -atty says non traditional plan and wants to discuss before Ct date so as to not waste time on record-debtor wants to pay priority tax claims pro rata-Does that mean he doesn't want to pay in full? EDC

-atty has filed the NJ tax returns - needs APOC--ST of NJ opp'n to motion to expunge says : debtor has to file returns------St of NJ email to debtor : Per the NJ Div. of Taxation, Debtor needs to file "zero returns" for the periods that it was not operating. Also, outstanding TGI-EE need to be filed as well--CAN CONF AT 100% IF CLAIM EXPUNGED EDC

Mk: IRS amended their claim but st of NJ has not- all returns submitted and notion vs st of Nj on for 5/15.s far as the missing business returns, the company shut down years ago and many of the alleged missing returns were for periods after the company ceased operation. NEED A CERT ON THIS(mk)


2) Trustee objection to confirmation - need to resolve
- copy of the last filed tax return - 2022 prior to confirmation.
- here is $124,392 in non exempt equity in the residence. Needs to be 100% plan.
- There is $8,443 in non exempt equity in the 2015 Chevy.
- Need to file Pre-Confirmation Certification.


proposed paln $1000x60 base plan
paid in $3,000
arrears $1,000
last claim 20

RESOLVED ISSUES:
1) IRS claim #1 estimated for 2019-2021 taxes - resolved
- Need proof of insurance for the 2015 Chevy. PROVIDED, RESOLVED
Matter ResolvedRequest
Adjourment
1037/17/2024 10:00 am23-18964 / CMGBrian Gregory Hannon, Esq.Order Vacate Dismissal of CaseRecommend Confirmation - SUBJECT TO TERMSDebtor has made 9 of 9 required payments   Arrears: $1,000.00  
AS OF 7/8/2024 (at):

RECOMMEND: $2,000 x 60 BEGINNING 11/1/2023, 100% PLAN
- Claims will be paid according to the trustee's order of distribution.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
- Preserve non exempt equity of $57,664 in real and personal property.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - for Pennsylvania property. (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - for Pennsylvania
property. (RECEIVED)
- A copy of the deed - for Pennsylvania property. (RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $2,346.91.
- 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 $74,681 in non exempt equity in the real estate. (pending review of CMA for PA
property) (LANGUAGE ADDED - N/E EQUITY IS $55,106)
- There is $2,558 in non exempt equity in the bank accounts. (LANGUAGE ADDED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan. (LANGUAGE ADDED)

Plan proposes: $2,000 x 60 beginning 11/1/2023, not less than $94,940.73 to unsecured creditors
Payments: 8/9, arrears $1,500
Matter ResolvedRequest
Adjourment
1047/17/2024 10:00 am23-19143 / CMGBrian S. Thomas, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 5 of 9 required payments   Arrears: $1,916.00  
7/10/24(mk): IF MFR is resolved w/ no plan impact then

needs to file amended C and take (d)(1) exemption AND IRS is to be paid their secured claim

**NEEDS TO CONFIRM AT $5600 PTD Then $ 2,341 x 51 Begin 8/1/24 Base.
Tr is authorized to pay #16-1 Hilton arrears of $1,224.84 thru plan.
Strike plan provision for Cram of IRS secured lien and Trustee will pay that claim through the plan. Amended sch C to be file in 14 days**



7/3/24(mk) email from atty - got a new CMA - higher values and IRS wants secured and Priority paid thru plan


6/17/24(mk)
mk email bill craig on the pre pet POC #3-1 will he w/d or amended that claim or are arrears 809 still owed?


MP (#33) filed 6/11/24- will probably get the 7/17/date-atty says Mp address issues- d filed new Transmittal letter and cert of service re: cramdown of IRS claim

1) The cram in MP of the IRS secured claim has not been served with a transmittal letter to the required addresses (Atty sent it and will file cert of service) NEED UPDATED VALUE ON HOME



2) Mercedes-Benz filed $809.64 arrears claim on lease MP pays-
clarifying w/ Bill Craig on this(mk)

3) Hilton Resorts filed $1,224.84 arrears claim on timeshare not treated in the MP (UNRESOLVED.)

4) Trustee OBJ:-
- Proof of income verifies higher . There is $1,162 estimated disposable income after deducting SSI. Debt's pay verified 1,000 higher- REQUESTED UPDATED PAY STUBS)
- value of real property is higher - needs updated CMA- NEEDS AMENDED C TO TAKE D 1 EXEMPTION - AT 21,000 THERE IS NOT EQUITY AT HIGHER VALUE



***RESOLVED ISSUES***

US Dept of HUD 2nd mtg claim on Azalea Ct property is not treated in the MP ( new Mp pays)
The State of NJ filed $4,422.55 secured claim not treated in the MP (MP now pays)

Midland Mtg/MidFirst Bank (KML) OBJs - failure to cure full arrears of $9,875.96 on Azalea Ct property - Motion filed by debtor to approve Partial Claim, however the Order (Doc #26) entered on the motion is very generic - have arrears been paid (APOC
Matter ResolvedRequest
Adjourment
1057/17/2024 10:00 am23-20627 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 8 required payments   Arrears: $8,000.00  
IF CASE IS DISMISSED ON TR MOTION THEN MARK THIS AS MOOT-DISMISSED

7/5/24(mk):

NO 341
NO PAYMENTS 0/8 payments arrears 8,000
Matter ResolvedRequest
Adjourment
1067/17/2024 10:00 am23-21030 / CMGAndrew M. Carroll, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 7 of 8 required payments   Arrears: $2,150.00  
As of 7/5/24(mk);email to atty-ok to terms

**CAN REC CONFIRM AT $7,050 PTD THEN $1,075 x 40 Begin 8/1/24 100%. Preserve equity T/H of $431,811 In Real Property.
Strike Per plan claim of Toms River MUA for $568.79 as all bar dates have passed and no claim was filed by this creditor.
Plan shortened to total 48 months**


Plan: $1075 X 58; 100%
7/8 payments

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

1. Trustee objection: CO ALLOWING LATE POC
- plan has pay FIG Cust FIGNJ 19LLC for $44,837.09- NO CLAIM HAS BEEN FILED AND THE REGULAR BAR DATE HAS PASSED
STRIKE IT OR FILED CLAIM AMD MOTION TO ALLOW LATE CLAIM ?
Matter ResolvedRequest
Adjourment
1077/17/2024 10:00 am23-21505 / CMGMichelle Lee, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 7 required payments   Arrears: $885.00  
ISSUES AS OF 7/12/2024 (DM):

***Atty needs to address attorney fee balance issues below. Note that Trustee will work-up case at 100% because there are only $2,567 unsecured claims filed and unresolved equity in real estate and Cadillac***

 5/1/24: bank will accept the mtg payments so we will ADJ to resolve Obj and for work up.

1) Need amended Attorney Disclosure for atty fees for new counsel (UNRESOLVED) - what are we doing with Georgette Miller's $3,750 attorney fee balance? (Per AR, WE NEED AN ORDER.)

2) Trustee OBJ:
- Auto insurance for 1979 Cadillac Seville and valuation of vehicle, classic car (CAR IS NOT RUNNING - NEED CERTIFICATION OF DEBTOR.)
- There is $20,017 non-exempt equity in real property (MK: this may decrease as Estate that owns the property has debts) and valuation on Cadillac pending valuation.

***RESOLVED ISSUES***

A) M&T Bank (McCalla Raymer) OBJs - plan does not propose cure of all $40,018.57 arrears through the plan (MP PAYS BUT MORTGAGE AND DEED ARE IN THE ESTATE OF CAROL JACKSON - CLAIM ALSO AMENDED DOWN TO $38,239.38 - Consent Order entered.)

B) Trustee OBJ:
- Debtor has insufficient income.
- Excessive Expense: Home maintenance $250, Food $500 and Transportation $600 (MOOT.)
- Tax refund of $409 was not prorated and included in disposable income calculation (MOOT.)
- Need to file Pre-Confirmation Certificate (FILED.)
- Need homeowner's insurance renewal declaration - with personal liability coverage -document provided is Binder/Application (PROVIDED - uploaded 3/19 in name of Estate of Carol Jackson.)


Prop. Plan $4,725 Ptd, $780 x 54, Base Plan.
PTD 6/7 = $4,725
Last Claim (4-2)


***ATTORNEY NOTES***

3/26/24(MK) - email from Laura Egerman @McCalla:
have spoken to M&T Bank about the mortgage loan for this case and your client's desire to cure/maintain the mortgage that his mother took out on the subject property. Debtor is, to my understanding, not in title to this property but you had indicated at the hearing on 03/20/2024 tha
Matter ResolvedRequest
Adjourment
1087/17/2024 10:00 am23-21595 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 5 of 7 required payments   Arrears: $1,814.00  
7/5 Workup for the 7/17 calendar EDC
Case is 6 mos. of and 5 of 7 payments--SAME ISSUES FOR THE LAST FEW MONTHS

MP filed and amended schedules 5/1/24: 6/5 hearing
MP $916 X 60; BASE


*Did not serve Santander on the Kia cramdown. Did service certified mail but needs att: to managing agent


** Trustee objection to confirmation - need to resolve
**STILL NEEDS TO FILE AMENDED SCHEDULE C TO TAKE REAL ESTATE EXEMPTION
- there is non-exempt equity in the amount of $30,874 in real estate.
- IRS priority claim is estimated for 2021 and 2022 taxes, GUC claim estimated for 2017 taxes CLAIMS ARE STILL ESTIMATED, NEED TO RESOLVE
- Kia Finance claim #9 is cosigned by mother and daughter. The plan in this case indicates the car is being paid in the daughters Chapter 13 case #23 -14135.*Did not serve Santander on the Kia cramdown. Needs service certified mail

proposed plan $916x60 0% plan
paid in $1,850
arrears $1814
last claim 18

--------------------
RESOLVED ISSUES:
- -Excessive expense on Schedule J $760/car payment OK
- A Modified Plan that treats mortgage arrears The Bank of NY Mellon, Amendments to Schedules Schedule D to include The Bank of NY Mellon (mortgage on house); identify OneMain as loan for 2008 Chevy Impala NOT FILED, ISSUES NOT RESOLVED
1) The Bank of New York Mellon (RASC) objection to confirmation -
-arrears $15,248.79 not provided for in the debtor's plan--MP pays claim OK

2) One Main (2008 Chevy Impala) claim #9 has secured claim of $7,200 and unsecured claim of $14,305.92, not treated in plan -SURRENDER MP

- Need to file Pre-Confirmation Certification with Court FILED, RESOLVED
- A copy of the homeowner's insurance renewal declaration - policy provided is for condo association, need personal liability coverage RESOLVED, PROVIDED POLICY WITH PERSONAL LIABILITY COVERAGE
Matter ResolvedRequest
Adjourment
1097/17/2024 10:00 am24-10014 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 6 required payments   Arrears: $0  

7/8 workup for the 7/17 calendar EDC

same as last time EDC


1) Wells Fargo Bank (Brock & Scott) objection to confirmation - need to resolve-creditor disputes value of property and seeks a motion to value property

2) IRS priority claim is estimated for 2022-2023 taxes

3) Trustee objection to confirmation - need to resolve
- Verified income leaves monthly disposable income of $11,054 per month.
- Per the 22C, monthly disposable income is $11,244 which requires a minimum dividend of $674,640 to general unsecured creditors.
--There is $171,897 non-exempt equity in the residence. (100% Plan)
- Need a valuation for the business (Balance Sheet). STILL NEED TO PROVIDE
- Need to file Pre-Confirmation Certification. NEED TO FILE
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.

proposed plan $1,500x12, $5,300x48 100% plan
paid in $4,500
last claim 8

--------------------------------------
RESOLVED ISSUES:
- A copy of the last filed tax return -done
- Need 2022 tax return prior to confirmation. done
1) Specialized Loan Servicing LLC (Stewart Legal) objection to confirmation - CONSENT ORDER, PAY PRE-PETITION ARREARS $153,937.69 through plan
Matter ResolvedRequest
Adjourment
1107/17/2024 10:00 am24-10120 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 6 required payments   Arrears: $1,104.00  
issues as of 7/10/2024 (JMA)

1) Global Lending Services LLC (Stewart Legal) objection to confirmation - need to resolve
-arrears $5,528 to be paid prompt cure over 18 months per MP
2) Trustee objection to confirmation - need to resolve
- Domestic Support Obligation information child support
- A copy of the last filed tax return - for 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): Disposable income verifies $749.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,792 when determining disposable income.
- The Plan needs to run 60 months pursuant to the B22C form.
- The current Plan does not specify treatment of Global Lending (2021 Nissan Rogue) arrears $1,686.13 under the Plan.
- Must provide balance statements for 2 loan repayments listed on pay stub, prior to filing date.
- Must file Pre-confirmation certificate.
- Neeed certification from debtor regarding the for support payment listed on Sched J $650.
- Trustee standard order of distribution
3) IRS claim is estimated for 2023 taxes

proposed plan $590x60 base plan
paid in $2,436
arrears $1,104
last claim 14-1

Matter ResolvedRequest
Adjourment
1117/17/2024 10:00 am24-10186 / CMGMarc C. Capone, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 6 required payments   Arrears: $1,900.00  
AS OF 7/11/24 (SF)

Need confirmation that all creditors objections are resolved.


RECOMMEND $1500 X 3 (BEGIN 2/1/24); $1900 X 7 (BEGIN 5/1/24); $3980 X 50 (BEGIN 12/1/24) 0% PLAN
- SCHEDULES I AND J TO BE AMENDED EVERY 6 MONTHS AND DEBTOR MUST PROVIDE COPY OF TAX RETURNS ANNUALLY BY 5/31/24
- MUST FILE FEE APPLICATION FOR HOURSLY FEES WITHIN 7 DAYS OF ENTERED CONFIRMATION ORDER




Per AR adjourn so that debtor can become completely current. Will need amended I and J with
proof of income every 6 months and and copy of tax returns yearly.

- Motion for Relief by Santander (2021 VW Atlas) scheduled for 8/7/24

- Attorney wants to confirm case based on debtor's projected future business income and non-filing spouse's projected future income.

- per Ar - should be a base if debtor says b'ness income is to increase and that is why tiers - then can't be 0%

Note: I and J amended to lower disposable income to $1518 and modified plan proposes 3 tiers of $1500 x 3, $1900 x 7 $3980 x 50. Plan is not feasible.

1. Objection filed by Regional Acceptance Corp (Keri Ebeck) - if plan completes creditor lien will only be discharged as to debtor, not co-borrower.

2. Objection filed by PNC (Uhlmann) - failure to provide for total debt claim in the amount of $58,259.98. MP FILED TO PAY $70, 644.49 (NEED ORDER)



5. Trustee objection:

- Need Balance statements from spouse 4 TRS Pension loans, 2 TRS TDA loans and TR PN
LNS listed on pay stub, prior to filing date.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
P &L and Sched J list P&L insurance $497.50 (not sure what type of insurance, but if auto, it's on Sched J $221.65)
parking/tolls $318.17, vehicle expenses $649.84 and travel expenses $173.34 with Sched J having Transportation $500 and auto insurance $221.65. According to business forms, there are no vehicles/assets.

- 22c-1 Line 5 net income from business may not be correct, due to the expenses on P &L, may be more income. 2
Matter ResolvedRequest
Adjourment
1127/17/2024 10:00 am24-10719 / CMGAlan G. Cosner, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 6 of 6 required payments   Arrears: $1,050.00  
mk: DOC #28 SAYS DEBTOR WILL BE DISMISSING THE CASE- no fees are due so i have marked it as Dismissed

mk 7/3: needs review US bank got SV but w/d their objection - apparently mtg was discharged in ch 7 so this needs to ne reviewed- but SV complicates things-was not familiar w/ case so had to adj to to 7/17.-ATT CAN FILE MOTION TO VOID LIEN IF THIS WAS DISCHARGED

7/10 Workup for the 7/17 calendar EDC



*OBJECTION TO PLAN BY US BANK-plan does not include any arrears but claim of $7396.57 filed--TRUSTEE WILL PAY UNLESS ATT OBJECTS

*PLAN NEED 100% PAYOUT DUE TO EQUITY IN HOME. THE PROPOSED PAYMENT OF $2275 WILL BE ENOUGH TO PAY 100% AND THE FILED CLAIMS ABOVE--
****COULD CONFIRM AT $12600 PAID THEN $2275 X 54 BEG 8/1/24-100% (DUE TO EQUITY OF $322,875)--TRUSTEE WILL PAY THE ARREARAGE CLAIMS OF US BANK #1-1 THROUGH THE PLAN--PRE CONFIRMATION CERTIFICATION TO BE FILED WITHIN 7 DAYS--CITIBANK GRANTED STAY RELIEF

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

PLAN $2275 X 60 pro rata
----------------------
Resolved:
*MOTION FOR RELIEF ON FOR 7/3-STERN LAV FOR CENLAR MORTGAGE-stay lift
Matter ResolvedRequest
Adjourment
1137/17/2024 10:00 am24-10772 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 6 required payments   Arrears: $1,000.00  
AS Of 7/12/24(mk):


**CAN REC CONFIRM AT 1,000 x 60 Begin 2/1/24 Base. Must file pre conf cert in 7 days**



------------------RESOLVED----------------
1.CROSSCOUNTRY MTG, LLC FIEL A poc FOR ARREARS 362.02 ON VORHEES PROPERTY- this is prop transferred to ex husband per divorce - HOW ARE YOU TREATING THIS CLAIM? Prop is surrendered in plan

. Trustee Obj:
- need copy of Deed for the Voorhees property. Quit Claim Deed.
- 2023 tax return
- Income verifies lower so needs to be current to confirm
-Need updated car insurance prior to confirmation.(Provided)

5/6 payments
Plan:$1000 X 60; BASE

-----------
IRS ESTIMATED CLAIM- 2023 tax return not filed-APOC FILED





Matter ResolvedRequest
Adjourment
1147/17/2024 10:00 am24-10869 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 6 required payments   Arrears: $453.00  
ISSUES AS OF 7/11/2024 (DM): updated 7/12/24.

***Trustee to compromise and extend plan to 45 total months. Debtor has another $451 auto TFS payment scheduled for July. TRUSTEE CAN RECOMMEND CONFIRMATION AT $4,965 PTD, $451 x 1 FOR JULY 2024, THEN $903 x 39 STARTING 8/1/24, BASE PLAN WITH $4,690 THRESHOLD PRESERVED***

1) Trustee OBJ:
- Excessive Expenses: $863 for work related travel expenses (from amended Sch J.) Need proof of expenses 10 days prior to confirmation (CERTIFICATION & SPREADSHEET ONLY PROVIDES PROOF OF 6 TRIPS WHEN PROVIDING AVERAGE CALCULATION - USING TOTAL COST DIVIDIVED BY 10-MONTH PERIOD THE SPREADSHEET COVERED, THE EXPENSE AVERAGED TO $686.10.)
- Verified income leaves monthly disposable income of $1,917 after accounting for contributions and the paystubs provided (ADJUSTED TO $1,447.)

 Mk: Atty can't agree to terms - debtor does not have $ - does not understand why payment is so high.

 5/21/2024 (at): RECOMMEND: $3,612 PAID TO DATE, $1,500 X 32 BEGINNING 6/1/2024, BASE - Need 2023 tax return by 5/31/2024 - Preserve non-exempt equity of $4,690 in personal property.

***RESOLVED ISSUES***

A) IRS filed an estimated claim which needs to be amended (AMENDED.)

B) State of NJ filed an estimated claim which needs to be amended (AMENDED.)

C) Trustee OBJ:
- Need a statement for the debtor's 401k loan (RECEIVED.)
- Schedules need to add approximately $300 from family contributions for utilities per the testimony at the 341 Hearing (ADDED TO WORKSHEET AS INCOME.)
- There is $4,690 non-exempt equity in the bank accounts (LANGUAGE ADDED.)
- Need to file Pre-Confirmation Certification (FILED.)
- Excessive Expenses: $700 food, $500 transportation, $200 personal care, $703 car payment. Need proof of expenses 10 days prior to confirmation (RECEIVED CERTIFICATION REGARDING HOUSEHOLD.)
- Need a copy of 2023 tax return by 5/15/24 (RECEIVED.)


Prop. Plan $903 x 36, Base Plan.
PTD 5.5/6 = $4,965
Last Claim (12-2)
Matter ResolvedRequest
Adjourment
1157/17/2024 10:00 am24-10928 / CMGJoseph Albanese, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 6 required payments   Arrears: $0  

AS of 7/11/24(mk) Have not heard from atty

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

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

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

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



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


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

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

As of 5/28/24(mk):

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

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

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

3. Trustee Objection:
There is $112,036 in non exempt equity in the residence.
There is $9,657 in non exempt equity in the bank account.
Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan.
Need to file Pre-Confirmation Certification.
- excessive expense items, such as:
$374/month for home maintenance( estimate - and it is not 374 per month)( Per Ar
Matter ResolvedRequest
Adjourment
1167/17/2024 10:00 am24-11088 / CMGJeffrey E. Jenkins, Esq.Order Vacate Dismissal of CaseRecommend DismissalDebtor has made 0 of 5 required payments   Arrears: $3,296.00  
AS OF 7/11/2024 (at):

RECEIVED PROOF OF THREE PAYMENTS OF $338 EACH ON 7/11/2024.

CASE PENDING SINCE 2/5/24. NO PAYMENTS SINCE 4/22/24. ARREARS $3,296.

1. Objection filed by New Rez/Shellpoint (McCabe Weisberg) - failure to cure full arrears of $8,123.96. Plan proposes to pay $2,900. (UNRESOLVED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Need statements for the debtors two Savings Plan loans. (PER ATTORNEY, THESE LOANS HAVE BEEN PAID OFF)
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $527.50.
- Need to resolve objection by New Rez/Shellpoint. (UNRESOLVED)
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
- Amendments to Schedules to include the daughters contribution towards the
insurance for her Jeep (per 341 testimony). (AMENDED)
- The current Plan does not specify treatment of Citizens' Bank secured arrears claim
under the Plan. (MOD PLAN PAYS)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)
- Need December and January statements for Zelle and Paypal accounts. (RECEIVED)
- Need December and January statements for Chase account 8721. (RECEIVED)
- A copy of the last filed tax return - 2023 by 5/15/2024 (RECEIVED)

Modified plan before confirmation proposes: $338 paid through 6/5/24, $676 immediate payment, $465 x 57, $0 to unsecured creditors
Arrears: $3,296
Matter ResolvedRequest
Adjourment
1177/17/2024 10:00 am24-11160 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 5 required payments   Arrears: $0  

7/8 Workup for the 7/17 calendar EDC

*If obj resolved we can confirm at:
$359 x 60 beginning 3/1/2024, loan modification by 9/4/24-100%

- The Schedules fail to account for the debtor(s) tax refund in the amount of $8,973 when
determining disposable income. (AVERAGED/ADDED TO INCOME AND ONLY $1000 IN CLAIMS SO CAN BE 100%)

1. Objection filed by The Bank of New York Mellon (Stern Lavinthal) - failure to cure full arrears of $156,210.80 and 90 days is sufficient time to obtain a loan modification. (UNRESOLVED)


------------------------------
RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - for 2023. (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - with personal liability coverage, only provided a binder/application. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $8,973 when
determining disposable income. (AVERAGED/ADDED TO INCOME AND ONLY $1000 IN CLAIMS SO CAN BE 100%)
- Must file Pre-confirmation certification. (NOT FILED)

Plan proposes: $359 x 60 beginning 3/1/2024, loan modification by 9/1/2024, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
1187/17/2024 10:00 am24-11195 / CMGDavid H. Lipow, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 6 of 5 required payments   Arrears: $0  

AS of 7/9/24(mk):


**CAN CONFIRM AT $2,192.58 PTD Then $360 x 31 Begin 8/1/24 Base**



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

MFR By LL was w/d

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

Plan PTD The $ 360 x 33 Base
payments

-----RESOLVED---------
- Need to file pre conf cert.FILED
Matter ResolvedRequest
Adjourment
1197/17/2024 10:00 am24-11468 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 5 required payments   Arrears: $7,296.00  
ISSUES AS OF 7/11/2024 (DM):

***Debtor has made 2 of 5 payments with the last payment received in June - will need to have the July payment clear by Confirmation, otherwise RECOMMEND DISMISSAL***

1) IRS filed $5,756.33 priority claim that includes estimated taxes for 2020 - 2023 not treated in the plan (UNRESOLVED.)

2) IRS filed a general unsecured claim that includes estimated taxes for 2019 (UNRESOLVED.)

3) State of NJ filed $2,434.39 priority claim that includes estimated taxes for 2020 - 2021 not treated in the plan (UNRESOLVED.)

4) State of NJ filed a general unsecured claim that includes estimated taxes for 2014 - 2019 (UNRESOLVED.)

5) Santander Consumer filed $693.44 arrears claim on 2013 Ford C Max (OKAY TO PAY??)

6) Plan provides $360.84 secured treatment to Berkely Twp - no POC filed (STRIKE??)

7) Trustee OBJ:
- debtors income verified lower than scheduled amount using all paystubs provided. Missing 6 paystubs.
- Need to file Pre-Confirmation Certification (UNRESOLVED.)


***RESOLVED ISSUES***


A) MidFirst Bank (KML) OBJs - failure to cure full arrears of $129,903.22 (CONSENT ORDER ENTERED TO PAY.)

B) Trustee OBJ:
- Need a copy of homeowner's insurance renewal declaration - need to include declaration page showing personal liability coverage (RECEIVED.)


Prop. Plan $2,432 x 60, $0 Plan.
PTD 2/5 = $4,864
Last Claim (12-1)
Matter ResolvedRequest
Adjourment
1207/17/2024 10:00 am24-11484 / CMGCharles M. Izzo, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 5 of 5 required payments   Arrears: $75.00  
ISSUES AS OF 7/11/2024 (DM): updated 7/12/24.

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $1,350 PTD, THEN $378 x 55 STARTING 8/1/24, 100% PLAN, TRUSTEE STANDARD ORDER OF DISTRIBUTION***

1) Trustee OBJ:
- Need updated proof of income once debtor returns to work (RECEIVED CERTIFICATION AND DISABILITY PAYMENT HISTORY.)
- Verified income results in $3,183 monthly disposable income (MOOT BASED UPON DISABILITY PAYMENT STATUS.)
- Order of Distribution is not standard.

***RESOLVED ISSUES***

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

B) Trustee OBJ:
- Need DSO form (RECEIVED.)
- Need MP that completes Part 8a (MP FILED.)
- Need proof of service on Santander (MOOT - OBJ FILED.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $285 x 48, 100% Plan
PTD 4.5/4 = $1,350
Last Claim (9-1)
Matter ResolvedRequest
Adjourment
1217/17/2024 10:00 am24-11679 / CMGOtto J. Kostbar, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $1,475.00  
mk: atty has conflict on this date and submitted dox for rec view- adj to 8/21/24 PEREMPTORY- NFA

As of 5 /21/24(mk):

lease for solar panels is NOT in plan - so it will be deemed rejected - no claim filed


1. Trustee objection
Verified income leaves monthly disposable income of $1,804. Reviewed the 22C, monthly gross income is $14,147. (2022 gross $169,764/12.) Per the
22C, monthly disposable income is $2,175 which requires a minimum dividend of $130,500 to gucs.

- Excess expenses:
$115/month for solar (debtor rents)
>> lease for solar panels is NOT in plan - IS IT ASSUMED? as of now since you failed to list it it will be deemed rejected on conf<<

$1,600/month for childcare, $900/month for food
$200/month for pet supplies, Need proof of excessive expenses 10 days prior to confirmation.
1 YR OLD ON SCH J- DOES DEBTOR HAVE SOLE CUSTODY?
--------------RESOLVED-----------
Need 2023 tax return(Provided- gross income 160,941)
Need to file Pre-Confirmation Certification.



Plan:$1475 X 60; BASE
2/3 payments
Matter ResolvedRequest
Adjourment
1227/17/2024 10:00 am24-11717 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledContinued
9/18/2024 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $1,986.00  
As of 7/12/24 (DS): Debtor atty req adj to resolve obj

As of 7/12/24 (DS): 1. Debtor in arrears $1,986, made 3 out of 5 payments.

2. Trustee obj to the following:
- The case is a Joint case and the plan filed at #2 fails to check off the box for joint administration in part 1e. This plan needs to be withdrawn and a new plan filed checking
off that box for Joint administration.
- Debtor must provide a detailed certification regarding the purchase, sale and ownership interest in the Pizzeria.
- Debtor has insufficient income using the proof of income provided, debtor 's income
verifies $4,750, lower than scheduled amount $5,676.
- Need service to E&S Foods and Ferraro Food listed in plan motions.
- Add to confirming order Debtors to provide 2 months updated proof of income and amended Sched I 6 months from confirming order.
- Must file Pre-confirmation certification.
- Must resolve all creditor objections.

3. SPS Mtg (FRIEDMAN VARTOLO LLP) obj to not in plan, arrears owed, POC filed $8,498.11 arrears.

4. Santander-2023 Mazda (EISENBERG, GOLD & AGRAWAL) obj to not in plan, POC filed $40 arrears.

5. Three Paisano's Food Service (DANIEL E. STRAFFI) obj that Debtor has not disclosed all assets with his business Conca D'Oro the undisclosed business should provide additional disposable income. Also that the residence should be valued more, per Realtor.com valued $420,000. DEBTOR RESPONSE BUSINESS WAS RETURNED TO PREVIOUS OWNER IN PARTIAL SATISFACTION OF OUTSTANDING OBLIGATION IN 2023. AS TO RESIDENCE DEBTOR PROVIDED A CERTIFIED APPRAISAL TO SUPPORT VALUE DATED 3/16/24 .

Prop Plan $993 x 60 begin 3/1/24; Dollar Base $47,526
Matter ResolvedRequest
Adjourment
1237/17/2024 10:00 am24-12318 / CMGPaul H. Young, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $1,090.00  
AS OF 7/11/24 (SF)


1. Objection filed by Lakeview Loan Servicing (Fissel) - failure to provide for payment of arrears in the amount of $6181.63

2. Trustee objection:

Need a current market analysis - for Old Post Rd.

Need a copy of the homeowner's insurance renewal declaration - for debtor's residence.

Need a copy of the deed - for Old Post Rd.

Need Amendments to Schedules A/B, C and D to add real property and mortgage.

- 22c has disposable income $4,437, which would require min. dividend $266,220 to unsecured
creditors.

- Proof of income verifies higher, there is disposable income $11,004 per schedules I & J.

The current Plan does not specify treatment of Lakeview Loan arrears $6,181.63 under
the Plan.

- There may be non-exempt equity in Debtor's residence based upon recent online
estimates.

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


- Must file Pre-confirmation certification.


Plan proposes $1090 x 60 100% Plan
Payments: 3/4 Arrears: $1090



Matter ResolvedRequest
Adjourment
1247/17/2024 10:00 am24-12352 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $800.00  
6/17/24(mk) debtor denied unemployment and req adj of 341 on 6/20

5/15/MK: HAS PROOF OF PAYMENT- debtor has pending disaability income -denied unemployment- fighting that

issues as of 5/3/2024 (JMA)
0/2 payments

1) 341 not held, not rescheduled5/13/24....................STILL NEED: DR NJ STATE STMNT UNEMPLOYMENT STMNT SHOWING REMAIN BAL, WEEKLY AMOUNT,

2) Wilmington Savings Fund Society (RASC) objection to confirmation - need to resolve
-plan proposes to cure arrears through loan mod

proposed plan $400x12, $1750x48 100% loan mod by 10/2024
paid in $0
arrears $800
no claims filed
Matter ResolvedRequest
Adjourment
1257/17/2024 10:00 am24-12360 / CMGAniello D. Cerreto, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 4 required payments   Arrears: $0  

as of 7/12/2024 (JMA)

ok to confirm at $1,852x3 begin 4/1/2024, $1,925x57 begin 7/1/2024 minimum $63,881 dividend to general unsecured creditors
-Nissan Motor Acceptance Corporation (2021 Nissan Maxima) treated as current and outside plan
-Nationstar Mortgage - arrears $271.23 to be paid through plan

1) Nissan Motor Acceptance Company LLC f/k/a Nissan Motor Acceptance Corp (Stewart Legal) objection to confirmation - need to resolve
-plan does not provide for treatment of car - RESOLVED, MODIFIED PLAN TREATS CAR AS OUTSIDE PLAN
2) Nationstar Mortgage (Stern Lavinthal) objection to confirmation - need to resolve
-plan is silent as to the treatment of the mortgage - MODIFIED PLAN TREATS HOUSE AS OUTSIDE PLAN, PROOF OF CLAIM FILED WITH ARREARS IN THE AMOUNT OF $271.23 - NEEDS TO BE PAID THROUGH PLAN
3) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income.
- A copy of the homeowner's insurance renewal declaration - insurance expired 4/29/24. RENEWAL NOT PROVIDED
- Value statement of Bonds/Stocks listed UBS, prior to filing date. NOT PROVIDED TO DATE
- A Modified Plan that propose only a Base or percentage or minimum dividend to unsecured creditors and add student loans to be treated outside on Part 5 b. NOT FILED TO DATE
- Amendments to Schedules C to take proper exemptions, no exemptions were used. NOT FILED TO DATE
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Home maintenance $250, Tele/cell/internet/cable $660, Food $900, Educational loan $160.50 (Plan fails to add student loans to be treated outside on Part 5 b.) SUPPORTING DOCUMENTS NOT PROVIDED TO DATE
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is non-exempt equity in real property of $2,337, household goods $5,000, Clothing $2,000, TD Bank $4,484 and Bonds UBS $394.32.
- Must
Matter ResolvedRequest
Adjourment
1267/17/2024 10:00 am24-12388 / CMGFrancis P. Cullari, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $888.00  
7/10 Workup for the 7/17 calendar EDC

*CAN CONFIRM AT: $3240 PAID THEN $1152 X 56 BEG 8/1/24-100% DUE TO EQUITY OF $50,842--Claims will be paid according to the trustee's order of distribution--Trustee will not pay Laurel Brook unless a valid, timely claim is filed------Trustee will pay the arrearage claim 7-1 of Ally Bank--Pre-confirmation certification to be filed in 7 days


Laurel Brook did not file claim-TRUSTEE CANNOT PAY IF NO CLAIM

Trustee's objection:

- Excess on Line 45 of Form 122c-2 in the amount of $869.12 and requires minimum $52,147.20 dividend to general unsecured creditors (Plan is 100%)
- there is $45,566.47 non-exempt equity in house (LANGUAGE ADDED)
- there is $667 non-exempt equity in guns (LANGUAGE ADDED)
- there is $4,609.91 non-exempt equity in Wells Fargo bank account (Plan is 100%) (LANGUAGE ADDED)
- pre conf cert (NOT FILED)

Plan proposes: $1,032 x 60 beginning 4/1/2024, 100% plan
Payments: 2/3, arrears $956
Matter ResolvedRequest
Adjourment
1277/17/2024 10:00 am24-12496 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $1,119.00  
AS OF 7/12/2024 (at):

1. Objection filed by Billows Electric Supply Company (Gary Perkiss) - creditor owed $54,108.49. Plan payments are insufficient to pay claims at 100%. (UNRESOLVED)

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

3. Trustee's objection:
- A copy of the last filed tax return - for 2023. (NOT RECEIVED)
- Amendments to Schedules C to take d(1) exemptions. (NOT AMENDED)
- Must file Pre-confirmation certificate. (NOT FILED)

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- Business profit & loss statements (RECEIVED)
- Business forms - from Eventide, only received business form and P&L from
Mid-Atlantic which stated that this business was dissolve. (RECEIVED)

Plan proposes: $1,119 x 60 beginning 4/1/2024, 100% plan
Payments: 3/4, arrears $1,119
Matter ResolvedRequest
Adjourment
1287/17/2024 10:00 am24-12505 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 7/12/2024 (at):

Trustee's objection:
- 2 months bank statements from ACU Savings and T-Mobile checking accts prior to filing date. (NOT RECEIVED)
- Amendments to Schedules A/B and C to add Alliant Credit Union acct. (NOT AMENDED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: - 22C Line 22 takes Additional health insurance $353 and Health insurance $814, also Line 18 take Life insurance $410, but no deduction is listed on Sched I or J.
- Health insurance $627 (there are health insurance deductions on Sched I total $573 ), 2 Car lease payments $654 and $799 and additional car payment for spouse $670. Must provide proof of all expenses 10 days prior to confirmation (PROOF OF EXPENSES NOT RECEIVED)
- Must provide Co-Debtor 401(k) loan balance statements for 2 loans on pay stubs. (NOT RECEIVED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document (s):
- Business forms - 2nd page is missing (RECEIVED)
- A copy of the last filed tax return - for 2023. (RECEIVED)


Plan proposes: $640 x 60 beginning 4/1/2024, not less than $32,000 to unsecured creditors
Payments: 4/4
Matter ResolvedRequest
Adjourment
1297/17/2024 10:00 am24-12659 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing on Modified PlanContinued
8/21/2024 10:00 am
Debtor has made 10 of 4 required payments   Arrears: $150.00  
AS of 7/6/24(mk)

1. MRF on 7/17 Freedom MTG (Brook & Scott) NEEDS RESOLUTION

2. NJ DIV OF TAX - ESTIMATED CLAIM- needs resolution NO RETURNS FOR 2020-2023

3. Trustee Obj:
- as of now NE Equity 112,504- PLAN IS 100%
- MP pays Mtg arrears pending sale BUT appears not to pay condo assoc secured claim pending sale - that is unequal treatment of creditors in the same class


Plan:$698 X 2; $150 X 34; SALE 12/2024 (12 DANIEL WEBSTER); 100%
PTD 1,546
Matter ResolvedRequest
Adjourment
1307/17/2024 10:00 am24-12791 / CMGBarbara J. Snavely, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 2 of 4 required payments   Arrears: $3,900.00  
issues as of 7/10/2024 (JMA) MP filed, scheduled for 8/7/2024

1) VW Credit Inc (Stewart Legal) objection to confirmation - CONSENT ORDER RESOLVED OBJECTION
-estimated pre-petition arrears $5,728.16
2) Trustee objection to confirmation - need to resolve
- Bank statements for Jan and Feb 2024 - provided 112 pages of statements for 2023.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $851 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): there is $67,751 non-exempt equity in house. CLAIM LOWER, IRS CLAIM

proposed plan $1,950x60 with minimum $68,155 base to general unsecured creditors
paid in $1,950
arrears $1,950
last claim 21-1

RESOLVED ISSUES:

- Need to provide a copy of the auto insurance renewal, the policy provided expires 4/20/2024. RESOLVED, PROVIDED RENEWAL
Matter ResolvedRequest
Adjourment
1317/17/2024 10:00 am24-12792 / CMGFrances A. Tomes, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 7/8/24 (SF)

1. MUST REQUEST ADJOURNMENT OF CONFIRMATION HEARING
2. 341 NOT HELD - RESCHEDULED TO 7/25/24
3. PAYMENTS: 4/4
Matter ResolvedRequest
Adjourment
1327/17/2024 10:00 am24-13091 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 4 required payments   Arrears: $1,126.00  
As of 7/12/24 (DS): 1. Debtor in arrears $1,126, made 2 out of 4 payments.

2. Trustee obj to the following:
- Must homeowner insurance with personal liability coverage, document provided is a binder/application.
- There is $250,185 non-exempt equity in the residence.
- Must resolve State of NJ estimated tax claim, 2017, 2018, 2022 and 2023 tax returns not filed.
- Must resolve the objections by Bank of America and Ajax Mortgage.
- Must file Pre-Confirmation Certification.

3. Bank of America (PARKER MCCAY) obj amount to redeem is $28,803.77, not $24,000 per plan, no POC filed. Also that property was sold at Sheriff Sale to a 3rd party on 3/13/24, case was filed 3/25/24.

4. Ajax Mortgage (STUART WEST) obj plan not feasible, plan propose to pay $563 for 1st mortgage arrears $67,374.81 and 2nd mortgage arrears $24,000, plan would require a higher Trustee payment over $2,000, income verifies $563.93.

Prop Plan $563 x 60 begin 4/1/24; 100%

Matter ResolvedRequest
Adjourment
1337/17/2024 10:00 am24-13113 / CMGMelinda D. Middlebrooks, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

issues as of 7/9/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- Auto insurance for 2019 VW Tiguan, listed on the Plan. PROVIDED RENEWAL - RESOLVED
- The current Plan does not specify treatment of State of NJ priority claim $5,728.33 under the Plan.
- 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 $102,224 . Plan provides for min to gucs of $124,981.12. RESOLVED - RESOLVED, PAYING GUCS $124,981.12

proposed plan $2,492x60 base plan with minimum $124,981.12 dividend to gucs
paid in $9,968
last claim 19-1
Matter ResolvedRequest
Adjourment
1347/17/2024 10:00 am24-13155 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $425.00  
AS OF 7/10/24(MK):


**CAN REC CONFIRM AT $425 x 36 begin 4/1/25
BASE**


1. Trustee objection:
- insufficient income

Plan:$425 X 36; BASE
3/4 payments
Matter ResolvedRequest
Adjourment
1357/17/2024 10:00 am24-13206 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 4 required payments   Arrears: $12,614.00  
As of 7/11/24 (DS): 1. Debtors in arrears $12,614, made 1 payment out of 4. Per previous hearing Debtor was to be current.

2. UNRESOLVED ISSUES:
- DLJ Mortgage (ROBERTSON ANSCHUTZ SCHNEID CRANE & PARTNERS) obj to loan mod and arrears owed are more, POC filed.
- Carvana and Flagship filed arrears, plan has outside, claims need to be paid or move against the claims.
- No claim filed by Bank of America (2nd mortgage) the statement provided was from 6/1/14. Plan has to pay $100,000 which is close to the balance owed on statement $100,934. With no mortgage owed there would be non-exempt equity $14,247.47.

7/17/ to be current or close- and add to terms TFS/ewage for debor

6/5/24 Attorney provided copy of cashier's check in the amount of $4210 attached

6/5/24 (DS): 1. No Trustee payments made, Debtor in arrears $12,618, made 0 out of 3 payments. DEBTOR MADE 1 PYMT $4,210, NO ADDITIONAL PYMTS MADE, DEBTOR IN ARREARS $12,614, MADE 1 OUT OF 4 PYMTS.

2. Trustee obj to the following:
- Excessive expenses on Sched J: Electric/heat/gas $800, Tele/Cell/internet/cable $765, Medical $416, Trans $1,260, Auto insurance $420 (surrenders 1 car should be $300) and car payment $779. Plan pays 100% as long as case remains 100%.
- 22C has disposable income $5,938.82, which would require min. dividend $356,329 to gucs. Plan pays 100%.
- Proof of income verifies higher, deducting the excessive expenses there would be disposable income $9,097. Plan pays 100%.
- Must file fee app within 7 days from confirming order.
- Must resolve creditor objection.

3. DLJ Mortgage (ROBERTSON ANSCHUTZ SCHNEID CRANE & PARTNERS) obj to loan mod and arrears owed are more, POC filed.

4. Carvana (2017 Honda) filed arrears claim for $592. Needs to be paid or move against claim.

5. Flagship (2020 Chevy) filed arrears claim for $779.74. Listed in plan as no arrears owed. Needs to be paid or move against the claim.

Prop Plan $4,206 x 60 begin 4/1/24; 100% and Loan mod on Brentwood Dr 6 months after conf
Not
Matter ResolvedRequest
Adjourment
1367/17/2024 10:00 am24-13304 / CMGThomas G. Egner, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 4 required payments   Arrears: $1,636.00  
AS OF 7/10/24 (SF) NO INSURANCE


1. Quantum3 Group LLC filed secured claim 5-1 in the amount of $6383.39 (water treatment system) which is not addressed in the plan (MUST RESOLVE)

2. Trustee objection:

- Need Proof of 2 month's income - debtors landscaping job (Need proof of income for May, June)

- Need Proof of rental income - contribution from daughter (STILL NEED)

- Need a copy of the homeowner's insurance renewal declaration - policy provided is forced placed insurance, need to provide coverage with personal liability coverage (STILL NEED)



Plan proposes $818 x 60 Base
Payments: 2/4 Arrears $1636
No payments since May



Matter ResolvedRequest
Adjourment
1377/17/2024 10:00 am24-13305 / CMGScott D. Sherman, Esq.Confirmation Hearing on Modified PlanContinued
9/18/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $100.00  
Matter ResolvedRequest
Adjourment
1387/17/2024 10:00 am24-13371 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend DenialDebtor has made 4 of 3 required payments   Arrears: $0  

AS OF 7/9/24 (SF)

Recommend plan be denied as Debtors' plan does not elect to jointly administer the case. Part 1e of the plan is blank. If the debtors intend on joint administration, a modified plan must be filed checking box 1e.



1. Objection filed by Freedom Mortgage (Fissel) - failure to pay arrears of $629.36

2. Trustee objection:
- Need updated car insurance. Policy expired 5/15/2024.

The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$350/month for home maintenance
$500/month for utilities
Need proof of excessive expenses 10 days prior to confirmation.

- Verified income leaves monthly disposable income of $2,263.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $4,230 when determining disposable income.



Plan proposes $500 x 36 Base w/min $5000 to gucs
Payments: 3/3


Matter ResolvedRequest
Adjourment
1397/17/2024 10:00 am24-13376 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 3 required payments   Arrears: $3,590.00  
As of 7/10/24 (DS): 1. Debtor is in arrears $3,590, made 1 out of 3 payments. Cannot work up terms unless payment is made.

Prop Plan $1,760 x 60 begin 5/1/24; $0
Matter ResolvedRequest
Adjourment
1407/17/2024 10:00 am24-13377 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 7/12/2024 (at):

1. Objection filed by Carrington Mortgage (Hill Wallack) - plan fails to cure arrears of $2,542.31. (UNRESOLVED)

2. Wells Fargo Bank filed a secured claim #10 in the amount of $173.13 which is not in the plan. Are the debtors going to pay this claim? (PAY - 100% PLAN)

3. Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $3,371.39. (NOW THAT DEBTOR IS BACK TO WORK)

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - once debtor returns to work. (LANGUAGE ADDED)
- The current Plan does not specify treatment of the IRS priority claim and Wells Fargo
Bank secured claim under the Plan. (LISTED ABOVE)
- 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 $81,443 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $1,353 in non exempt equity in the bank account. (LANGUAGE ADDED)
- Need to resolve objection by Carrington Mortgage. (LISTED ABOVE)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $1,651 x 60 beginning 5/1/2024, 100% to unsecured creditors
Payments: 3/3
Matter ResolvedRequest
Adjourment
1417/17/2024 10:00 am24-13384 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $323.00  
As of 7/11/24 (DS): OBJ NOT RESOLVED

6/5/24 (DS): 1. Axos Bank (HLADIK, ONORATO & FEDERMAN) obj to cram the loan amount to NADA value of car is $7,075 and interest rate of 9.5%, should be $10.5%. Must resolve obj.

Prop Plan $323 x 60 begin 5/1/24; Dollar Base $6,469
Note: 2023 Tax returns provided. Service to Axos Bank done 5/3/24. MUST RESERVE NE EQUITY ON REAL PROPERTY $4,333.
Matter ResolvedRequest
Adjourment
1427/17/2024 10:00 am24-13398 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 3 required payments   Arrears: $10,000.00  
AS OF 7/10/24(mk):

1/3 payments and arrears $10,000- THUS FAR ONLY MADE 1 PAYMENT IN MAY

1.ESTIMATED TAX CLAIMS ST OF NJ.

2. Trustee Objection:
- debtor has insufficient income(Amended J reduces expenses)
- Need to file Pre-Confirmation Certification.
- Trustee should receive non-exempt proceeds from lawsuit in connection with business
contract to fund plan at 100%.


Plan: $5000 X 60; 100%
1/3 payments

------------RESOLVED-----------------
IRS - filed APOC

resolved; obj to conf by Bank of NY Mellon- Pay claim 9-1 for 181,692.84 through the plan

- debtor has insufficient income(Amended J reduces expenses)

Matter ResolvedRequest
Adjourment
1437/17/2024 10:00 am24-13403 / CMGPRO SEConfirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 0 of 3 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1447/17/2024 10:00 am24-13451 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $500.00  
AS OF7/10/24(mk):

>> WHERE ARE PROCEEDS FROM SALE OF COMMERCIAL PROPERTY?

1. Trustee objection:
-There is $14,065 in non exempt equity in the
residence.
-There is $30,654 in non exempt equity in the
Raymond James Cash account.
-Need non-exempt proceeds from sale of commercial property.


Plan:$500 X 60; ($31,000 FROM SALE OF COMMERCIAL PROPERTY); BASE
2/3 payments

------RESOLVED----------
-Need proof of service on all creditors listed in Part 7a of the plan. FILED
-Need to file Pre-Confirmation Certification .FILED
-a copy of the HUD-1 statement for 43 Willow Grove Road sale (commercial property)PROVIDED
-Need a copy of the divorce decree and
settlement agreement. PROVIDED
-Need business forms for Awf the Pot,LLC PROVIDED
Matter ResolvedRequest
Adjourment
1457/17/2024 10:00 am24-13537 / CMGJoseph Casello, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 3 required payments   Arrears: $1,100.00  
AS OF 7/12/2024 (at):

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

2. Trustee's objection:
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- $420/estimated tax payments - need proof that these payments are being made monthly. (RECEIVED)

RESOLVED ISSUES:
- Must file pre conf cert (FILED)

Plan proposes: $1,100 x 36 beginning 5/1/2024, base
Payments: 1/2, arrears $1,100
Matter ResolvedRequest
Adjourment
1467/17/2024 10:00 am24-13648 / CMGMichelle Lee, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 3 required payments   Arrears: $350.00  
As of 7/11/24 (DS): 1. Amended Sched A/B and C filed 6/4/24 takes exemptions for Garden State, still has not provided the 2 months bank statements from United City FCU prior to filing date to determine if any equity.

2. If adjourning need updated auto insurance, insurance expired 6/30/24.

mk: email form atty - filed amended I & J and MP today.

6/5/24 (DS): 1. Trustee obj to the following:
- Need updated auto insurance, if not confirmed by 6/5/24 (insurance expires 6/30/24) and 2 months bank statements from United City FCU checking/savings accts, prior to filing date.
- There is estimated non-exempt equity in United City FCU $60 per Sched B (pending statements, none provided).

2. American Airlines FCU filed 2 claims. Claim 1-1 is to be crammed to $3,537.12 and Claim 2-1 is a cross collateral claim for the 2014 Hyundai Santa Fe. Claim 2-1 is not mentioned in plan and needs to be resolved. MOD PLAN SURRENDERS, NO LONGER LISTED IN CRAM/MOTIONS.

Prop Plan $350 x 37 begin 5/1/24; Base
Note: Mod plan adds non-exempt proceeds from auto accident to Trustee.
Matter ResolvedRequest
Adjourment
1477/17/2024 10:00 am24-13671 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 3 required payments   Arrears: $0  

issues as of 7/9/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- Need a statement for the debtor's 401k loan. RESOLVED, FINAL LOAN PAYMENT TO BE MADE 5/23/2027
- 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 $572.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is $45,668 non-exempt equity in the residence.
- Need to file Pre-Confirmation Certification - RESOLVED, FILED
2) To confirm would need $1,425 paid to date, $475x33 begin 8/1/2024, $1,543x24 begin 5/1/2027 which includes minimum $45,668 non-exempt equity in house.

proposed plan $475x36, $830x24 base
paid in $1,425
last claim 8-1

RESOLVED ISSUES:

- A copy of the homeowner's insurance renewal declaration - prior to confirmation. Policy expires 5/14/2024. RESOLVED, RENEWAL PROVIDED
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $625/month for food; OK $200/month for pets; $200/month for entertainment - Need proof of excessive expenses 10 days prior to confirmation.
- Need to file Pre-Confirmation Certification - RESOLVED, FILED
Matter ResolvedRequest
Adjourment
1487/17/2024 10:00 am24-13710 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0  

AS of 7/11/24(mk)


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

2. Obj. By United asset Mangement(Hladik) - -plan fails to pay arrears 4,169.47

Plan:$424 X 60; 100%
3/3 payments




------RESIOLVED------
There is $230,975 in non-exempt equity in the residence (100% Plan.)

.Limited Obj.by Global Lending(Stewart legal):
-Plan fails to treat claim- arrears 3,676.96 ORDER 7/11/24SUBMITTED PAYS THIS
Matter ResolvedRequest
Adjourment
1497/17/2024 10:00 am24-13725 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 7/12/24 (SF) UPDATED


RECOMMEND $1000 x 60 (BEGIN 5/1/24) 100% PLAN
- ATTORNEY MUST FILE FEE APPLICATION FOR HOURLY FEES WITHIN 7 DAYS OF ENTERED CONFIRMATION ORDER


Trustee objection:

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$1,250/month for food ($800 allowed)
$400/month for clothing ($200 allowed)
$400/month for child care (ok)
$740/month for medical/dental ($300 allowed)
$350/month for entertainment ($300 allowed)
Need proof of excessive expenses 10 days prior to confirmation.
- Verified income leaves monthly disposable income of $1,759. (Reduced expenses by $1140) Disposable income is now $2899
(PLAN WILL BE 100%. RECOMMEND 48 MONTH PLAN)

- Need Certification explaining bonus check frequency to be prorated over 12 -month term.

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


Plan proposes $1000 x 60 Base
Payments: 12/3 Arrears: $1000

RESOLVED ISSUES:
- Need a statement for the 401k loan. (RECEIVED. EXPIRES IN 13.5 MONTHS)
- Need to file Pre-Confirmation Certification. (FILED)
Matter ResolvedRequest
Adjourment
1507/17/2024 10:00 am24-13759 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 2 of 3 required payments   Arrears: $1,000.00  
341 now on for 6/20-NOT HELD

2/3 paymentS
Matter ResolvedRequest
Adjourment
1517/17/2024 10:00 am24-13926 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 7/12/2024 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Business profit & loss statements (UBER - OK)
- Business forms - for spouse's businesses. (UBER - OK)
- Need a statement for the Valley National Bank retirement CD. (RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$313/month condo dues (debtor rents - husband owns the condo)
$400/month estimated liability for spouse (OK)
$714/month car payment
Need proof of excessive expenses 10 days prior to confirmation.
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
Reviewed the 22C, Line 22 (additional healthcare expenses) requires documentation,
Line 23 (optional telephone) and Line 30 (additional food and clothing) require
documentation. Per the 22C, monthly disposable income is $905 which requires a
minimum dividend of $54,300 to general unsecured creditors.
- Need to file Pre-Confirmation Certification. (FILED)

RESOLVED ISSUES:
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)

Plan proposes: $500 x 60 beginning 5/1/2024, base
Payments: 2/3, arrears $500
Matter ResolvedRequest
Adjourment
1527/17/2024 10:00 am24-13932 / CMGNovlet M. Lawrence, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0  

issues as of 7/9/2024 (JMA)

1) Capital One Auto Finance (Lavin Cedrone) objection to confirmation - need to resolve
-creditor $18,660.75 to be paid through plan
2) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income . WITH THE PROOF OF UNEMPLOYMENT INCOME PROVIDED, DISPOSABLE NET INCOME IS $761.91.
- Filed Amended Schedules I & J reducing debtors income and adding unemployment income $1,273. Need to provide proof of the employment income. The layoff notice is not sufficient. PROVIDED STATEMENT SHOWING WEEKLY PAYMENT, VERIFIES AT $1,454.88/MONTH. DISPOSABLE NET INCOME IS NOW $761.91
-Need May and April 2024 statements for the Chime Online Bank account and Credit Karma account - PROVIDED STATEMENTS, RESOLVED
-must file pre conf certification - STILL NOT FILED

proposed plan $302x60 base plan
paid in $960
last claim 16-1

RESOLVED ISSUES:

- Need to provide Trustee with a copy of the last filed tax return - 2023 - PROVIDED RETURN, RESOLVED
Matter ResolvedRequest
Adjourment
1537/17/2024 10:00 am24-14378 / CMGVera Fedoroff, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 2 of 3 required payments   Arrears: $4,555.00  
MP #19 filed 7/11/24- CALLS FOR SALE OF PROPERTY- This plan will be denied and the MP will get a new date

As of 7/9/24(mk):

>>NEEDS TO RESOLVE CREDITOR OBJECTION AND ANSWER tr QUESTION IN #2

2/3 payments- failed to make the May payments so 1 behind as of July


MFR on 7/17 Needs to be resolved

PLAN IS 100% AND BAR DATE IS 7/8/24- SHOULD BE ADJ TO AFTER THE BAR DATE

1. Objection by Investors Com. Capital( E. Paul): says full amt of claim is $273,004.84
plan only proposes $195,632

2.Plan has CT Corp Sys for encore Florist at 18,000- A POC(2-1)was filed by GMC Funding LLC for 37,500 for breached settlement agmt- IS THIS THE SAME DEBT??

. Trustee Objection:
-There is $46,581 in non exempt equity in the residence. (100% plan)


Plan :$4555 X 60; 100%
2/3 payments- DID NOT PAY MAY PAYMENT

-------RESOLVED- PLAN IS100%-------------
-Need April and May bank statements for Santander checking account 4933.
-$1,683/month for IRS and State taxes (need
proof this is being paid)
Need to file Pre-Confirmation Cer(FILED)
-There is $46,581 in non exempt equity in the residence. (100% plan) EQUTY PROTECTED



Matter ResolvedRequest
Adjourment
1547/17/2024 10:00 am24-14386 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
9/4/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1557/17/2024 10:00 am24-14464 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 3 required payments   Arrears: $798.00  
AS of 7/10/24(mk):

If makes July payment then I will redo numbers but as of now needs

** To CONFIRM AT $ 3,214 PTD Then $1,719 x 57 Begin 8/1/24 100%. preserve equity T/H of $106,970.00. Student loans outside plan.
Must file fee app. w/ in 7 days of confirming Order. Must file pre conf cert. w/in 10 day**


------------------------
1. Trustee Objection:
- need 2023 tax return.
- nonexempt equity in real property $98,725.00
-There is $625 non-exempt equity in debtors personal
possessions-There is $4,004.96 non-exempt equity in
debtor's Columbia Bank acct #3538
-There is $3,801 non-exempt equity in debtor's
Columbia Bank acct #0825
-There is $430 non-exempt equity in debtor's Robinhood
account
TOTAL NON-EXEMPT EQUITY in personal prop $8.860.96
Plan is 100%

plan: $1605 X 60; 100% std loans outside
2/3 payments

Matter ResolvedRequest
Adjourment
1567/17/2024 10:00 am24-14560 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 2 required payments   Arrears: $969.00  
AS OF 7/12/2024 (at):

DEBTOR HAS MADE LESS THAN ONE OF TWO PAYMENTS. ARREARS $969.

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

2. Objection filed by Harris Automotive Group (Scott Kaplan) - proposed amount to be paid is too low. Creditor wants $19,349.67 and adequate protection payments. (UNRESOLVED)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- PERS Loan balance statement prior to filing date. (NOT RECEIVED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)
- Must resolve IRS estimated tax claim. (STILL ESTIMATED)
- Must resolve creditor objection. (LISTED ABOVE)
- Must file Pre-confirmation certification. (NOT FILED)

Plan proposes: $646 x 60 beginning 6/1/2024, $0 to unsecured creditors
Payments: less than 1/2, arrears $969
Matter ResolvedRequest
Adjourment
1577/17/2024 10:00 am24-14575 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $100.00  
AS OF 7/3/24 (SF) Updated - Review after bar date of 7/12/24

1. Trustee objection:

The debtors provided the Trustee with a CMA that includes three comps. One is from 8/25/23 and the other two are from 2/29/24 and 4/3/24. Upon information and belief, the Debtors purchased their home 9/24/21 for $260,000, yet list the value for their property at less than the purchase price. Zillow has the value at approximately $381,200. The Trustee is requesting an updated CMA with all comps from 2024. The Trustee asserts that there is
non-exempt equity in the debtors' residence. (SAME COMPS PROVIDED AS BEFORE. ZILLOW HAS MORE RECENT COMPS. MAY NEED APPRAISAL)


- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Cellphone $430 (4 phones and lines for 2 Ipads) and Streaming services $177. (Reduced expenses by $249)

- OneMain (2015 Dodge) filed bifurcated claim secured $7,600, unsecured $12,656.76 with
arrears $1,185.10. Plan propose to pay arrears, how should the remaining claim be handled?



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

RESOLVED:
- Objection filed by Rocket Mortgage (Fissel) - failure to provide for arrears in the amount of $683.19 (COTBS) OK TO PAY ARREARS
- Need valuation on 2 Kawasaki Brute Force Quads. NADA list values from $1,450 - $8,390. (SURRENDERED IN PLAN)
- Amendments to Schedules B and C to add the years for 2 Kawasaki Brute Force Quads. (SURRENDERED IN PLAN)
- There may be non-exempt equity on the 2 Kawasakis, pending amended schedules and
valuations.
- Must provide updated auto insurance for 2015 Dodge and 2017 Chevy (insurance expired
5/28/24) and 2 months (March & April) statements from PayPal, Robinhood and Coinbase
accounts. (RECEIVED)
- Must file Pre-confirmation certification. (FILED)
Matter ResolvedRequest
Adjourment
1587/17/2024 10:00 am24-14671 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $5,800.00  
AS OF 7/12/2024 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $5,800
Matter ResolvedRequest
Adjourment
1597/17/2024 10:00 am24-14675 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $1,000.00  
As of 7/3/24 (DS): 341 not held 6/27/24, still missing 2 months profit and loss statements, 2023 tax returns and auto insurance for 2011 BMW. Also no Trustee payments made, Debtor in arrears $1,000, made 0 out of 2 payments.
Matter ResolvedRequest
Adjourment
07/17/2024 10:00 am24-14772 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0  

Atty ok to terms(mk)

As of 7/11/24 (DS): RECOMMEND WAITING PASS BAR DATE 7/18/24 OR CONFIRM AT $3,170 paid, $1,706 x 58 begin 8/1/24; 100% with a min. div. $14,544 to gucs due to non-exempt equity

1. Trustee obj there is non-exempt equity in real property $14,544, tax claim filed much higher.

Prop Plan $1,585 x 60 begin 6/1/24; 0%
Matter ResolvedRequest
Adjourment
1617/17/2024 10:00 am24-14773 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 2 required payments   Arrears: $0  

AS OF 7/12/24 (SF) UPDATED

1. Township of Hamilton filed secured tax and sewer claim in the amount of $6498.08 which is not addressed in the plan (OK TO PAY?)

2. FIG Cust FIGNJ19 LLC & Sec Pty filed a claim in the amount of $39,272.25 which is higher than estimated amount in plan.


2. Trustee objection:

- The debtor has insufficient income Verified income leaves monthly disposable income of
$391.33. (PLAN IS NOT FEASIBLE. CLAIMS ARE HIGHER)

- There is $105,048.38 in non exempt equity in the residence. (100% plan )

4. Wage Order entered


Plan proposes $830 x 60 100% plan
Payments: $1600 received. Arrears: $60


RESOLVED:

- Need to file Pre-Confirmation Certification (FILED)






Matter ResolvedRequest
Adjourment
1627/17/2024 10:00 am24-14776 / CMGPRO SEConfirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1637/17/2024 10:00 am24-14806 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $4,084.00  
AS OF 7/12/2024 (at):

DEBTORS HAVE MADE NO TRUSTEE PAYMENTS.
NEED HOMEOWNER'S INSURANCE.

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

2. Trustee's objection:
- The debtor has insufficient income. The debtors must sign up for e-wage within 7 days of confirmation.
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2023 prior to confirmation. (NOT RECEIVED)
- A copy of the homeowner's insurance renewal declaration - prior to confirmation.
Policy expires 6/30/2024. (NOT RECEIVED)
- Need statements for the debtor's 2 401k loans and NYCERS loan. (RECEIVED - NEEDS REVIEW)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$545/month for cable/internet/phone
$1,025/month for transportation
Need proof of excessive expenses 10 days prior to confirmation. (PROOF OF EXPENSES NOT RECEIVED)
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)
- Need to file Pre-Confirmation Certification. (NOT FILED)

Plan proposes: $2,042 x 60 beginning 6/1/2024, $0 to unsecured creditors
Payments: 0/2, arrears $4,084
Matter ResolvedRequest
Adjourment
1647/17/2024 10:00 am24-14858 / CMGScott D. Sherman, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $740.00  
As of 7/9/24 (DS): Debtor atty req adj due to 341 resched to 8/1/24
Matter ResolvedRequest
Adjourment
1657/17/2024 10:00 am24-14877 / CMGFrancis P. Cullari, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 7/8/24 (SF)

RECOMMEND $1196 PTD, $766 X 46 (BEGIN 87/1/24) 100% PLAN
- TRUSTEE STANDARD ORDER OF DISTRIBUTION
- OK TO PAY SANTANDER CONSUMER USA ARREARS CLAIM 8-1 IN THE AMOUNT OF $200


1. Santander Consumer USA Inc dba filed arrears claim 8-1 in the amount of $200 which is not addressed in the plan (OK TO PAY?)


2. Trustee objection:

- Need proof of insurance for the 2016 Harley prior to confirmation.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$870/month for transportation
$776 & $976/month car payments
$339/month motor cycle payment (luxury item)
Based on these expenses the plan must continue to provide for a 100% distribution to
creditors.

- Verified income leaves monthly disposable income of $2,754.79. (RECOMMEND 48 MONTH PLAN)

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




Plan proposes $598 x 60 100%
Payments: 2/2


RESOLVED:
- A Modified Plan that checks off part 1e. (FILED)
- Need to file Pre-Confirmation Certification (FILED)
Matter ResolvedRequest
Adjourment
1667/17/2024 10:00 am24-14903 / CMGEugene D. RothConfirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 7/11/24 (SF) Adj to after the bar date

Trustee objection:

The debtor has insufficient income. Verified income leaves monthly disposable income of $5,743.08. Debtor must sign up for e-wage within 7 days of confirmation.

The debtor's plan consists of unnecessary or excessive expense items, such as:

Five car payments totaling $3,258/month . PLAN IS 100%
$3,000/month to the IRS. As log as plan remains at 100% expenses will be allowed.

- There is $236,620 in non exempt equity in the real estate.

- There is $42,100 in non exempt equity in the clothing.

- There is $200,276 in non exempt equity in the jewelry.

- There is $3,963 in non exempt equity in the bank account.

- atty disclosure statement has balance not in plan -needs to be amended to check fees thru plan.

- Need to file Pre-Confirmation Certification.


Plan proposes $10,890 x 60 100% Plan
Payments: 2/2


RESOLVED ISSUES:

- Objection filed by Rocket Mortgage (Fissel) - failure to pay arrears of $3376.66 (Withdrawn)
Matter ResolvedRequest
Adjourment
1677/17/2024 10:00 am24-14909 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $207.00  
AS OF 7/12/2024 (at):

1. 341 has not been held or rescheduled.
2. Payments: 1/2, arrears $207
Matter ResolvedRequest
Adjourment
1687/17/2024 10:00 am24-14917 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 7/12/2024 (at):

NEED HOMEOWNER'S INSURANCE.

1. Objection filed by Santander (Eisenberg Gold) - creditor wants $37,585.32 at the contract rate of 9.99% and adequate protection payments. (UNRESOLVED)

2. Trustee's objection:
- The debtor has insufficient income.
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - prior to confirmation. (NOT RECEIVED - POLICY EXPIRES 7/16/2024)
- Need April and May bank statements for account ending in 233 (per direct deposits). (NOT RECEIVED)
- Zillow values he property at $235,700. CMA is for $100,000. Need explanation. (NOT RECEIVED)

Plan proposes: $772.46 x 60 beginning 6/1/2024, base
Payments: 1/2, arrears $772.46
Matter ResolvedRequest
Adjourment
1697/17/2024 10:00 am24-14951 / CMGCarrie J. Boyle, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 2 of 2 required payments   Arrears: $0  

MP (#17)Filed and on for 8/21/2 therefore this plan is marked as PLAN DENIED
Matter ResolvedRequest
Adjourment
1707/17/2024 10:00 am24-14962 / CMGRichard F. Fried, Esq.Confirmation Hearing ScheduledContinued
8/7/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $294.00  
issues as of 7/8/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- Need a statement for the debtor's 401k loan.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $525/month for personal care; $400/month for health insurance; $792/month for spouse's affinity loan; $1,500/month for spouse's creditor cards; $405/month for spouse's student loans. Need proof of expenses 10 days prior to confirmation.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): Verified income leaves monthly disposable income of $802.16.
- Per the 22C, monthly disposable income is $7,671 which requires a minimum dividend of $460,260 to general unsecured creditors.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $631.00 when determining disposable income.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution, and does not provide for equal monthly payments as required by 1325(a)(5)(iii)(l).
- Need a statement for the Knights of Columbus life insurance policy.
- Need a statement for the spouse's 401k loan.
- Need to file Pre-Confirmation Certification.

proposed plan $300x60 base plan
paid in $
arrears
last claim 21-1
Matter ResolvedRequest
Adjourment
1717/17/2024 10:00 am24-14981 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
9/18/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,900.00  
AS OF 7/8/2024 (at):

1. Objection filed by Brandon Farms Condo Association (Stark & Stark) - failure to cure arrears of $32,477.07 and plan does not propose post petition payments. (UNRESOLVED)

2. Objection filed by Brandon Farms Condo Association (Stark & Stark) - failure to cure arrears of $4,342.98 and plan does not propose to pay quarterly fee payments. (UNRESOLVED)

3. Trustee's objection:
- The debtor has insufficient income. (DEBTOR MUST SIGN UP FOR E-WAGE WITHIN 7 DAYS OF CONFIRMATION)

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 $72,584 in non-exempt equity in the residence. (100% Plan) (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $1,900 x 60 beginning 6/1/2024,
100% plan
Payments: 1/2, arrears $1,900
Matter ResolvedRequest
Adjourment
1727/17/2024 10:00 am24-14987 / CMGJoseph I. Windman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 1 of 2 required payments   Arrears: $483.00  
As of 7/12/24 (DS): CONFIRM AT $1,083 paid, $792 x 58 begin 8/1/24; 100% with a min. div. $199,086 to gucs due to non-exempt equity

1. Debtor is not making current Trustee monthly payments, paying via TFS $361 bi-weekly, but should be $392.

2. There is non-exempt equity in the residence $171,797, 2020 Acura $4,886.15 and property owned by Debtor in Phillipines $22,402.67 total $199,086.

Prop Plan $783 x 60 begin 6/1/2,4, Plus tax refunds; 100% Note: CMA for Maharlika Hwy provided. Amended Sched A/B and C filed to remove d(5) over exempt amount.
Matter ResolvedRequest
Adjourment
1737/17/2024 10:00 am24-14991 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
9/4/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $100.00  
AS OF 7/8/24 (SF)

1. 341 not held - rescheduled to 7/25

2. payments: 1/2 Arrears: $100
Matter ResolvedRequest
Adjourment
1747/17/2024 10:00 am24-15005 / CMGTimothy P. Neumann, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $2,204.00  
AS OF 7/12/2024 (at):

DEBTORS HAVE MADE NO TRUSTEE PAYMENTS.

1. 341 is scheduled for 7/18/2024.
2. Payments: 0/2, arrears $2,203.66
Matter ResolvedRequest
Adjourment
1757/17/2024 10:00 am24-15011 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,059.00  
As of 7/9/24 (DS): Debtor atty req adj, 341 resched to 7/25/24
Matter ResolvedRequest
Adjourment
1767/17/2024 10:00 am24-15012 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 7/12/24 (SF) NO CLAIMS FILED YET. BAR DATE IS 7/25/24.

1. Objection filed by JPMorgan Chase (Powers) - failure to provide for payment of arrears in the amount of $50,457. The case and plan are filed in bad faith where the budget is proposed to be predominately funded by individuals other than the debtor and a spouse because the debtor fails to qualify for Chapter 13 for lacking regular income as required by 11 U.S.C. ?109(e). See In re Porter, 276 B.R. 32, 38 (Bankr. D.Mass. 2002) (family member's gratuitous payment to a debtor did not constitute "regular income for Chapter 13 purposes)

2. Trustee objection:

- Verified income leaves monthly disposable income of $2,128. (100% PLAN )

- There is $328,151 in non-exempt equity in the residence (100% PLAN.)


Plan proposes $858 x 60 100% Plan
Payments: 2/2


RESOLVED:
Need to file Pre-Confirmation Certification. (FILED)
Matter ResolvedRequest
Adjourment
1777/17/2024 10:00 am24-15037 / CMGEugene D. RothConfirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1787/17/2024 10:00 am24-15046 / CMGRichard D. Robinson, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 2 required payments   Arrears: $1,400.00  
AS OF 7/12/2024 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. 341 is scheduled for 7/11/2024. (NOT HELD)
2. Payments: 0/2, arrears $1,400
Matter ResolvedRequest
Adjourment
1797/17/2024 10:00 am24-15049 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
9/4/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $250.00  
As of 7/11/24 (DS): Debtor atty requesteed adj, 341 sched 7/25/24
Matter ResolvedRequest
Adjourment
1807/17/2024 10:00 am24-15086 / CMGPRO SEConfirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $214.00  
MK: I did the 341 on 7/11 - he's just trying to save a car . Santander filed a claim but waiting for atty appearance so he cna work something out - was not able to reaffirm the debt in the recent Ch 7 so car was repossessed and now he has it back. I adj. confirmation it to 8/21/24 and am going top have case reassigned to me

issues as of 7/8/2024 (JMA)

1) 341 scheduled for 7/11/2024 - workout to be completed for confirmation once hearing is held
2) Not current with Trustee plan payments, arrears $213.98
Matter ResolvedRequest
Adjourment
1817/17/2024 10:00 am24-15087 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 1 of 2 required payments   Arrears: $950.00  
AS OF 7/8/2024 (at):

RECOMMEND: $950 x 60 BEGINNING 6/1/2024, 100% PLAN

Trustee's objection:
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- 22c has disposable income $1,919.80. Plan must remain at 100% as proposed.
- Must file Pre-confirmation certification (FILED)

Plan proposes: $950 x 60 beginning 6/1/2024, 100% plan
Payments: 1/2, arrears $950
Matter ResolvedRequest
Adjourment
1827/17/2024 10:00 am24-15091 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

As of 7/11/24 (DS): Debtor atty req adj to allow time for service

As of 7/9/24 (DS): 1. Trustee obj to the following:
- Must provide April and May bank statements from Chase savings acct#3912. Pending statement there may be non-exempt equity in this acct as well.
- Need service to motions in plan to serve creditors to a street address, not PO Box and not attorneys who have not filed notice of appearance or are not on POCs.
- Debtor over exempts $2,683.72 on Schedule C using d(5), the d(1) exemption was fully used, which means debtor is only allowed $1,475 of d(5). There would be non-exempt equity in Chase checking acct 1/2 interest $1,516.43, not $2,625.
- Must provide balance mortgage statements from US Senate FCU and NJ ERMA, if claims not filed. There may also be non-exempt equity in real property. There are 4 mortgages/liens on property, but so far we only have 1 claim filed by US Dept of HUD. We received a Mortgage statement from Loan Depot.
- Trustee needs claims (proof of ERMA Grant that is a lien) for other liens before they can be included in a liquidation analysis. Should be adjourned till after the bar date of 7/29/24.

Prop Plan $1,200 x 60 begin 6/1/24; Base
Note: Recalculated income and disposable income verifies $1,483.89, income is no issue. Debtor's certification as to Benefit Redirection defined as deductions for medical, dental, vision, Ad&D, dependent life insurance, etc.
Matter ResolvedRequest
Adjourment
1837/17/2024 10:00 am24-15198 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 0 of 2 required payments   Arrears: $1,000.00  
updated 7/8/2024 (JMA)

1) 7/2/24 (sf) Adj request denied. No payments
2) 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): Verified income leaves monthly disposable income of $ 675.99.
- 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 $130,165 in non exempt equity in the residence.
- Need to file Pre-Confirmation Certification

proposed plan $500x60 base plan
paid in $0
arrears $1,000
last claim 2-1
Matter ResolvedRequest
Adjourment
1847/17/2024 10:00 am24-15219 / CMGAllen I. Gorski, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $1,000.00  
AS OF 7/10/2024 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS. PLAN IS NOT FEASIBLE.

1. Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)

2. Objection filed by Wells Fargo Bank (LOGS) - failure to cure arrears of $1,188.67. (RESOLVED - PAY PER POC)

3. Trustee's objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of $501.45. Debtor must sign up for e-wage within 7 days of confirmation.
- 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 $31,147 in non exempt equity in the residence.
- The plan is not feasible. IRS secured claim in the amount of $28,427.73 and minimum due to unsecured creditors is $31,147.

Plan proposes: $500 x 60 beginning 6/1/2024, not less than $25,000 to unsecured creditors
Payments: 0/2, arrears $1,000
Matter ResolvedRequest
Adjourment
1857/17/2024 10:00 am24-15240 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 1 of 2 required payments   Arrears: $262.00  
MP FILED AND SCHEDULED FOR 8/7/24. (DOC 9 IS BEING MARKED WITHDRAWN.)
Matter ResolvedRequest
Adjourment
1867/17/2024 10:00 am24-15281 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $1,315.00  
issues as of 7/8/2024 (JMA)

1) 341 scheduled for 7/11/2024 - workup for confirmation to be completed after 341 hearing held
2) Not current with Trustee plan payments, arrears $1,672


Matter ResolvedRequest
Adjourment
1877/17/2024 10:00 am24-15334 / CMGChristopher G. Cassie, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1887/17/2024 10:00 am24-15337 / CMGChristopher G. Cassie, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $6,972.00  
AS OF 7/10/2024 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. 341 is scheduled for 7/11/2024.
2. Payments: 0/2, arrears $6,972
Matter ResolvedRequest
Adjourment
1897/17/2024 10:00 am24-15344 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
9/18/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $200.00  
issues as of 7/8/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- The Plan divides unsecured claims into classes with no rational basis and discriminates unfairly against a class in violation of 11 U.S.C.  1322(b)(1). Specifically: The proposed plan treats the IRS unsecured claim ahead of other unsecured creditors.
2) Bridgecrest claim #15 plan does not address treatment of unsecured claim. Arrears $1,736 to be paid through plan

proposed plan $200x60 base plan
paid in $200
arrears $200
last claim 16-1
Matter ResolvedRequest
Adjourment
1907/17/2024 10:00 am24-15346 / CMGDavid Reinherz, Esq.Confirmation Hearing ScheduledContinued
8/21/2024 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $3,010.00  
AS OF 7/12/24 (SF) Copy of TFS payment in the amount of $1500 Received

Trustee objection:

- The debtor has insufficient income Verified income leaves monthly disposable income of $830.30. Debtor must sign up for e-wage within 7 days of confirmation.

- A current market analysis - with comparatives sold within 6 months of filing.

- Proof of social security income - for co-debtor and son.

- Need a copy of the marriage certificate.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $487, $592 and $401/month car payments (cannot have 3 car payments) $900/month for childcare/education
Need proof of excessive expenses 10 days prior to confirmation.

- The current Plan does not specify treatment of Navy FCU secured claim under the Plan.

- There is $15,890 in non exempt equity in the residence. Pending review of updated CMA.

- The debtor has failed to provide proof of service with respect to Plan Motion (s).
Need proof of service on Smart Pay Rentals LLC. (MUST SERVE MANAGING AGENT OR COPORATE OFFICER) ALSO CLAIM FILED AS A LEASE, CANNOT CRAM (MUST RESOLVE)


- Need April and May bank statements for account #5066 (per direct deposits)



Plan proposes $1505 x 60 Base
No Payments: 0/2 Arrears $3010


RESOLVED ISSUES:
- Ally Financial filed a bifurcated claim #10 which needs to be resolved. (PER PLAN, PAY ARREARS)

Matter ResolvedRequest
Adjourment
1917/17/2024 12:00 pm19-31988 / CMGKirsten B. Ennis, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $34,905.00
Matter ResolvedRequest
Adjourment
1927/17/2024 12:00 pm23-16235 / CMGVera Fedoroff, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $8,927.00
Matter ResolvedRequest
Adjourment
1937/17/2024 12:00 pm23-17739 / CMGJonathan Goldsmith Cohen, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $2,100.00
Matter ResolvedRequest
Adjourment
07/17/2024 12:00 pm23-17833 / CMGMelinda D. Middlebrooks, Esq.Motion CompensationMootTotal Paid In: $31,500.00
MK:atty did not file cover sheet and this matter is not on Court Calendar for 7/17 and the docket says the the request for fees will NOT be processed so I marked it moot
Matter ResolvedRequest
Adjourment
1947/17/2024 12:00 pm23-18083 / CMGSteven D. Pertuz, Esq.Motion CompensationNeeds Resolution of Issues - ObjectionsTotal Paid In: $3,890.00
TR Limited obj: Needs revised order that states specifically what fees were paid outside plan and the amount to be paid through the plan

This order fails to state inside or outside plan
Matter ResolvedRequest
Adjourment
1957/17/2024 12:00 pm23-18384 / CMGScott E. Kaplan, Esq.Motion CompensationNeeds Resolution of Issues - ObjectionsTotal Paid In: $87,066.00
PPSED ORDER on docket at #52 as support

Tr Limited obj: no PPSED ORDER included

supplemental atty fees for work on re sale motion etc.
Matter ResolvedRequest
Adjourment
1967/17/2024 12:00 pm24-10547 / CMGJustin M. Gillman, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $3,850.00
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes