ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Christine M. Gravelle

Hearing Date: 7/23/2025
Last Updated: 7/17/2025 11:06 AM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am18-19366 / CMGStephen M. Goldberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - Objections6/6 AMT: SENT PAYOFF <>

Debtor obj, made pymt<> Made recent payment 6/2- when to conduit mtg so now Plan balance 6,620.22



plan has expired. in month 85.


Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am18-29682 / CMGLaurence R. Sheller, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS 2,883 as of 7/15
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am20-11780 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnFAILED TO PAY PLAN BALANCE
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am20-16208 / CMGWarren S. Jones, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawnamt: pif/pending closing<>

Debtor obj, made pymts<> FAILED TO PAY PLAN BALANCE
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am20-17105 / CMGRobert Stephen Casagrand, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - Objections7/15/25(mk) Plan balance $2,398.27- sent atty email



debtor to pay 2,000 tomorow and balance in 30 days

Plan balance 4,533.28 AS oF 6/4/25

PLAN HAS EXPIRED
was adj to 6/11/ to allow debtor to pay plan balance

5/13/25: sent email to atty- reply - he has not heard form client- he will appear.

Debtor obj<>

Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am20-17796 / CMGCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj, will pay<> ARREARS 1,221 and last pay 4/8/25
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am20-18729 / CMGScott E. Kaplan, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - Objectionsadj to 7/23 for pay off


AS of 7/1/25: we are in month 60 as of July and Plan balance is $2,717


ORDER Allowing late claim entered

Debtor obj<>ARREARS $4,845 last pay 2/2/25; NEEDS TO ADDRESS NY STATE LATE FILED CLM #4-1 (P&U PORTIONS)
Plan will not complete timely
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am20-22956 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj, requests recap<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am21-10732 / CMGSteven J. Abelson, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, will pay<>NEWREZ/Windward Dr (ras)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am22-10127 / CMGScott D. Sherman, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> FOXCHASE AT tINTON FALLS (McGovern)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am22-10127 / CMGScott D. Sherman, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, can make pymt & requests recap<> ARREARS 1,768 as of 7/15/25

atty requests recap- But there is also a creditor cert of default pending

Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am22-10756 / CMGLee M. Perlman, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj, will make pymt & requests recap<> US BANK TRUST/Bloomfield Dr (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am22-14923 / CMGFrances A. Tomes, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objectionsamt: TRUSTEE CONDUIT REQUEST<>

Debtor obj, requests recap<>JPMORGAN CHASE/Alexander Ave (POWERS)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am22-15569 / CMGYakov Rudikh, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsAMT; TRUSTEE CONDUIT REQUEST<>

Debtor obj<>SELENE FINC/Amherst Rd (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am23-10486 / CMGJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj<>FAILED TO SELL SECOND STREET PPTY BY 6/1/25

Zillow has this prop off market
Email InquiryMatter ResolvedRequest
Adjournment
177/23/2025 9:00 am23-11680 / CMGJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAMT: MP 7/23<>

NEW MP FILED 5/14/25- adj request uploaded for date of new MP when set.


Debtor obj, working on refi<> FAILED TO REFI BY 3/1/25

MP filed on for 5/21/25 to extend time to refi>>ISSUES/NEED RESOLUTION>>
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am23-11719 / CMGJustin M. Gillman, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections4 CALT DR
Email InquiryMatter ResolvedRequest
Adjournment
207/23/2025 9:00 am23-12456 / CMGJustin M. Gillman, Esq.Trustee Motion to DismissNeeds Resolution of Issues - Objections7/23/25 to be completely current

Debtor obj, will pay<>ARREARS 2,048
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am23-12917 / CMGFrances A. Tomes, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
8/13/2025 9:00 am
PAYMENT DEFERRAL (PLUESE)


MK: loan not due till maturity or sale of prop. TR Limited obj: No debtor cert as creditor filed the motion.

need debtor cert in support of motion.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am23-14111 / CMGYakov Rudikh, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsAs of 6/10- Proof of 2,000 payment provided via TFS
and w/d form debtor's acct provided- NEEDS TO POST BEFORE ANY RECAP- adj request uploaded

6/11 for a good faith payment to post and then recap

Debtor obj<> ARREARS 9,000 as of 6/3/25 last pay was 1/28/25
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am23-14433 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn7/1/25; LOSS MIT EXT TO 9/30/25<<>>


ORDER 4/10/2025 EXTENDS LOSS MITIGATION PERIOD TO 6/30/2025

motion to extend loss mit filed- if granted extend sto 6/30 so this is adj to7/2 to see if they completed the LM


Debtor obj, filed for extension of loss mit<>FAILED TO COMPLETE LM BY 6/30/24; EXTENDED LOSS MIT EXPIRED 12/31/24
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am23-14805 / CMGPeter J. Broege, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledLAKEVIEW LOAN /Emerson Place (BROCK & SCOTT)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am23-14885 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections7/23 if creditor does not have basis to object- Motion will be denied


Debtor obj<> FREEDOM MTG/Tracey Court (Brock & Scott)

creditor researching 2 missing payments
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am23-16235 / CMGVera Fedoroff, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAMT: MP 7/23>>HAS TERMS>>

MP #79>> filed on 6/11/25- extends sale date to August


Debtor obj<>FAILED TO SELL LONGEST DR PPTY BY 3/1725
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am23-17336 / CMGLee M. Perlman, Esq.Motion Relief from Stay (Fee)Continued
8/13/2025 9:00 am
7/15/25: parties working on a consent Order adjto 8/13/25

US BANK TRUST/Pine St (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am23-20647 / CMGSteven J. Abelson, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, made pymts<> SABRINA PORCARO(Abelson)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-11556 / CMGJustin M. Gillman, Esq.Motion Reopen Ch. 13 Case (fee)Needs Resolution of Issues - ObjectionsMTN VACATE DISMISSAL

needs revised order that adds language that debtor is to pay to Trustee 6,000 by 7/30/25 and then payments of 1,210 x 20 begin 8/1/25

payment raised to 1,210 in Feb 2025 for atty fees and base raised to 41,200-
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-12114 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj<>PLAN W/D 4/9/25 AND FAILED TO FILE MP IN 14 DAYS<<>>

MP #45 filed 5/2/25 to lengthen plan to total 60 mos- DENIED on 6/11/25
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-12496 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Order Previously Submitted6/23/25: Order submitted

Debtor obj,.TD BANK /Hillside Dr (DUANE MORRIS)

MK: parties trying to resolve by a CO
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-12507 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)No Opposition FiledCAPITAL ONE FINC /2020 Grand Cherokee (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-12852 / CMGJustin M. Gillman, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj, made pymt<>PROVIDENT BANK/Stony Road (Powers Kirn)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-12967 / CMGJeffrey E. Jenkins, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - Objections7/14: atty says debtor making 600 payment friday 7/18. That would still leave arrears of 1,209 is the 600 posts


adj to and must be fully current or make a GF payment and request recap


Debtor obj, will pay<> ARREARS $2,622 as of 6/3/25

6/9/24: atty sent proof of payments by MO for 1,000 and 400- mailed 6/6 and proof of tracking

>> atty has uploaded an adj request.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-13821 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - Objections7/15/259mk) ACCORDING TO ZILLOW THE PROP IS NOT LISTED FOR SALE AND NO REALTOR HAS BEEN APPOINTED IN THE CASE.

>>Case is 15 mos old

MP(#24) extend time to sell on 7/23/25


Debtor obj<>FAILED TO SELL SUMMER AVE PPTY BY 4/1/25; FAILED TO FILE CERT REGARDING STATUS OF SALE WITHIN 60 DAYS OF 8/21/24 CONF
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-13897 / CMGWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsMP extending LM deadline on 7/23

Debtor obj, lender processing LM app<>FAILED TO LM BY 5/1/25


6/12/25(mk) filed a MP #50- says LM not approved by deadline but does not provide for a cure in this MP
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-13922 / CMGRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objectionssettlement discussions

Debtor obj, will pay<>FORD MOTOR / 2022 eXPLORER (MCCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-15271 / CMGPeter E. Zimnis, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>NEWREZ/SHELLPOINT - Triangle Lane (PADGETT)

7/23 to allow debtor to cure
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-15346 / CMGAndrew Thomas Archer, Esq.Trustee Certification of DefaultContinued
9/3/2025 9:00 am
new MP on for 9/3/25

Debtor obj<> ARREARS $8,685 made recent $750 payment but before that Last pay was 1/10/25

mk:5/15/25> proof of $750 payment- new atty (Archer)in case and wants to file a MP
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-15864 / CMGRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS; FEASIBILITY DUE TO BMW AMD DEFICIENCY CLM #21-2
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-16085 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsAMT: TR CONDUIT REQUEST<>

Debtor obj, can pay<>CARRINGTON/Richard St (Hill Wallack)

parties attempting to resolve- adj to 7/23
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-16090 / CMGChristopher G. Cassie, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST

Debtor obj<>FAY SERVICING/Jackson Ave (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-16558 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)No Opposition FiledSANTANDER/2022 Grand Cherokee (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-16939 / CMGLaurence R. Sheller, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj, requests time to pay<>SELENE/Louisiana Ave (RAS_
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-18101 / CMGKevin C. Fayette, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, can pay $1,300 & requests recap<> ARREARS

see creditor obj #28
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-18374 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnMOTION WITHDRAWN AND NEW MOTION FILED REGARDING STAY RELIEF FOR CLAIM #7. STAY RELIEF WAS NOT GRANTED FOR #5
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-18374 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledSV/MIDFIRST BANK; ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-19897 / CMGCarlos D. Martinez, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>ACAR LEASING /2024 sILVERADO (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-20670 / CMGRussell L. Low, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objectionsdebtor opp'n>>CAPITAL ONE/2014 Acura (McCALLA)

debtor wants 9 mo sure on car
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-20670 / CMGRussell L. Low, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>SELECT PORTFOLIO/Prospect St (RAS)

5/16/25: parties working on a resollution
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-20948 / CMGJohn Zimnis, Esq.Motion Relief from Stay (Fee)No Opposition FiledSANTANDER CONSUMER/ 2022 gRAND cHEROKEE (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-20951 / CMGRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayContinued
8/13/2025 9:00 am
Debtor obj<>THE BANK OF NEW YORK MELLON/Albert Drive (KML)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-21979 / CMGBarbara J. Snavely, Esq.Hearing Scheduled (Document)Needs Resolution of Issues - ObjectionsHearing on claim objection to claim for St Of NJ
Opp'n filed by St Of NJ

debtor's counsel filed 3 claim objections . ONLY St OF NJ Has Flied opp'n

#46: Vs IRS

#47: Vs. St Of NJ

#48: vs. NJ Dept of Labor
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-22042 / CMGAllen I. Gorski, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objectionssettlement discussions

Debtor obj<>CREDIT UNION OF NJ / Hazelhurst Ave (McKENNA)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am24-22415 / CMGJeanie D. Wiesner, Esq.Motion Relief from Co-Debtor StayOrder Previously Submitted6/26: CO submitted. Roll post pet $8,744 into plan

creditor request to adj to 7/23- working on CO

Debtor obj<>WELLS FARGO/Charles St (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-10002 / CMGRoger J. Yehl, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>WILMINGTON SAVINGS/Burns St (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-10002 / CMGRoger J. Yehl, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> ARREARS 4,500 and last pay was 2/18/25
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-10063 / CMGNicholas Fitzgerald, Esq.Motion Extend TimeNo Opposition FiledMTN EXT TIME TO SELL/59 FALSON LN
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-10063 / CMGNicholas Fitzgerald, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsPeremptory



debtor obj, found buyer for ppty<>ROCKET MTG/QUICKEN LOANS/Falson Lane (BROCK)

Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-10192 / CMGJohn Zimnis, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN TO RECLASSIFY US BANK POC #7-1 TO $0 UNSECURED AS TO NON-BK CO-DEBTOR, KHANSA DOYLE, PERSONAL LIABILITY WAS DISCHARGED IN HER CH 7
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-10565 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)No Opposition FiledCAPITAL ONE/2017 Hyundai Sonata (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-10573 / CMGChristopher G. Cassie, Esq.Motion Relief from Stay (Fee)No Opposition FiledNJ HOUSING AND MTG FINC /Lamberton St(PLUESE)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-11406 / CMGKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsMP on 7/23/25


Debtor obj<>PLAN DENIED ON 4/30/25 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-11413 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order Previously Submitted
7/16/25(mk):Order submitted and adds $7,783.24 in post pet to plan

Debtor obj, requests recap in plan<>CITIZENS BANK/Central Blvd (McCABE)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-11561 / CMGDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objectionsdebtor opp'n>>PHH/cumberland Drive (McCalla)

debtor trying to refi to pay off existing reverse mtg.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-11656 / CMGAmy Lynn Bennecoff Ginsburg, Esq.Motion Relief from Co-Debtor StayMoot - DismissedM&T BANK (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-12786 / CMGPRO SEMotion to Vacate DismissalNeeds Resolution of Issues - ObjectionsMOTION TO VACATE DISMISSAL

case was dismissed on 5/21/25 at conf due to: no 341 dox No proof of home insurance
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-12826 / CMGJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, paid<>FREEDOM MTG/Riverbends Drive (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-13104 / CMGEugene D. RothApplication for RetentionRecommend GrantingListing agmt filed-

Trustee limited obj<> APP FOR REALTOR RETENTION
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-13515 / CMGWarren S. Jones, Jr., Esq.Motion Prospective ReliefNeeds Resolution of Issues - ObjectionsIS THIS RESOLVED?


a was adj to 7/2 from contested 6/16/hearing to see status of confirmation: EST. TAX CLAIMS And creditor objection.


6/3/25(mk) sent email to parties. not resolved and still needs Judge- will need to be adj. and conf too


AR NOTE CURE AND MAINTAIN PLAN , INQUIRE IF DEBTOR CURRENT POST PETITION , NO EQUITY IN PROP
PARTIES WANT TO HOLD FOR JUDGE

Atty filed obj<> NEWREZ/SHELLPOINT - Jarvis St(PARKER)

Per creditor atty- NO authority to resolve

debtor opp'n says co debtor did not realize debtor husband had filed 2 prior cases- PRO se and both dismissed


-----------------
mk :cure and maintain plan. claims bar date 6/12/25 .No mtg claims filed as of 5/19/25- 2 mtgs on propr. plan has 98,00 arrears to 1st mtg and says 2nd mtg is unaffected

ESTIMATED IRS CLAIM for priority and unsecured taxes- NO returns for 2020,2021,2023 and 2024

conf currently on 6/11/25 Plan is : $1,985.51 x 1 begin 5/1/25; $2,076.84 x 59 begin 6/1/25; Dollar Base $4,850.28

the May payment of 1,985 was made vis TFS.

THERE IS non-exempt equity in the residence $70,088, PNC Bank acct#8776 $5,726 and PNC Bank
accct#3515 $170. CASE WILL NEED 100%

Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-13558 / CMGYakov Rudikh, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledSELENE FINC/Lake Place (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-14412 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Revised Order SubmittedCEDAR STORY (LORI GREENBERG)

MK 7/16/25: REVISED ORDER SUBMITTED. terms pre and post pet to be paid outside plan

Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-14684 / CMGAndy Winchell, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition FiledLOSS MIT
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-16576 / CMGWarren Brumel, Esq.Motion to continue automatic stayNo Opposition FiledMTN CON'T STAY

341 ready for 7/24/25

this plan calls for home to be sold- has equity
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-16772 / CMGKarina Pia Lucid, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsMTN TO IMPOSE STAY
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-16874 / CMGJoseph Casello, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN EXT STAY

Plan and sch filed
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-17048 / CMGKarina Pia Lucid, Esq.Order Shorten Time3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 9:00 am25-17057 / CMGRobert Cameron Legg, Esq.Order Shorten TimeNo Opposition Filed>>OST>>

MTN TO EXTEND STAY

plan sch filed and 341 ready for 7/24/25
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am22-19359 / CMGSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 31 of 32 required payments   Arrears: $0
As of 7/15/25(mk):

Tr Objection:

1. Plan proposes lump sum of $33,500 by 6/15/25- Where is it?
2. Plan payment reduced form 1066 p/ m to 691 but no amended I & J or updated income provided. No lump sum paid..



MP proposes:$30,415 PTD; $691 X 34 (LUMP SUM $33,500 BY 6/15/2025); 100%
DEBTOR REC'D SIGNIFICANT INCREASE IN INCOME PROPOSED TO MOD PLAN TO 100% AND LUMP SUM BY 5/2025


prior conf:$4762 PTD (5 MOS) $1066 X 1 BEG 5/26/23 $1069 X 53 BEG 6/1/23 ; BASE $62,485 ; ATTY FEE $3430/4550 ; STRIKE SECTION PART 6 PERTAINING TO WESTMINSTER MANAGEMENT ; ORDER OF DIST IS PER THE PLAN ; PP.
PRE-CONF CERT FILED 5/17/23
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am23-10233 / CMGStacey L. Mullen, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 28 of 30 required payments   Arrears: $0
AS OF 7/14/25 (SF)


RECOMMEND $15,238 PTD, $738 X 30 (BEGIN 8/1/25) 100% PLAN W/MIN $28,687 TO GUCS PER N/E EQUITY IN REAL ESTATE



MP proposes $500 x 25; $538 x 4; $724 x 31 100% Plan
Plan has run 30 months with 30 months remaining
Email InquiryMatter ResolvedRequest
Adjournment
827/23/2025 10:00 am23-11680 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 27 of 28 required payments   Arrears: $135.00
AS OF 7/14/25 (SF)


1. Objection filed by Shellpoint Mortgage (Holdren) - failure to pay arrears and Refinance date is too long. (MUST RESOLVE)

2. Trustee motion to dismiss scheduled for 7/23/25 at 9



MP proposes $435 X 60 100% Plan; Refinance by 4/1/26
Plan has run 26 months with 34 months remaining
Extends time to Refinance


RESOLVED:

- The modified plan does not check off box in part 1d that debtor will or will not pay mortgage arrears pending approval of refinance (MP FILED)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am23-11719 / CMGJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 15 of 28 required payments   Arrears: $650.00
AS OF 7/15/2025 (at):

RECOMMEND: $6,100 PAID TO DATE, $400 x 10 BEGINNING 8/1/2025, SALE OF RESIDENCE BY 10/31/2025, BASE

MP proposes: $200 x 2, ? x 10, $400 x 24, sale by 10/31/2025, base
Arrears $650
(Debtor wishes to proceed with sale of property)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am23-12758 / CMGJohn Zimnis, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 27 required payments   Arrears: $2,381.00
As of 7/15/25 (DS): 1. Need affidavit of contributions from family and proof of income, 2 months proof of income from spouse and 2023/2024 Tax return.

2. Portfolio Recovery arrears for 2006 Lexus not in plan $100.11. Listed as outside. Trustee previously added to be paid.

MP Prop $2,300 PTD; $100 x 1; $386 x 34; Base - Due to Debtor passing away, loss of income Plan needs to be extended to 60 months.
Email InquiryMatter ResolvedRequest
Adjournment
777/23/2025 10:00 am23-16235 / CMGVera Fedoroff, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 23 of 24 required payments   Arrears: $0
AS OF 7/14/25 (SF)


RECOMMEND $19,241.50 PTD; $842 X 36 (BEGIN 2/1/25) 100% PLAN W/MIN $136,953 TO GUCS PER N/E IN REAL ESTATE; NONEXEMPT PROCEEDS FROM SALE OF REAL ESTATE TO BE TURNED OVER TO TRUSTEE BY 8/15/25
- DO NOT PAY ARREARS TO CARRINGTON MORTGAGE/ TRUMAN 2021 SC9 TITLE TRUST - PAY AT SALE
- NEED MARKETING REPORT ON SALE EACH MONTH UNTIL SOLD
- LOW BASE



1. Trustee motion to dismiss 7/23 at 9

MP proposes $842 until sale date of 8/15/25 100% Plan
Extends sale date to 8/15/25
Plan has run 23 months with 37 months remaining

RESOLVED:

adj to 7/23/ for workup for conf


7/2/25:order submitted resolving objection in #1- sale by 8/15/25- debtor to maintain reg payments outside to creditor

AS OF 6/24/25 (SF) NEED STATUS

working on CO w/ creditor to sell by certain date- creditor waiting for client to approve August sale date.
include in conf terms need marketing report on sale each month till sold

- Objection filed by Carrington Mortgage Services (Wohlrab) - Secured Creditor does not necessarily object to the Debtor`s proposed sale of the property as the proposed plan indicates, rather Secured Creditor objects to confirmation unless a consent order is entered giving stay relief should the property not be sold within an appropriate time frame that the Secured Creditor agrees to. (RESOLVED VIA ORDER)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am24-13821 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 15 of 15 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am24-13897 / CMGWarren Brumel, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 15 of 15 required payments   Arrears: $0
As of 7/16/25(mk):


1. Objection by US BANK(Parker Mckay):
- bad faith . Multlple extensions for LM
unreasonable time to cure default.



MP proposes$4550 PTD; $325 X 22; (LM BY 11/30/25 ON 678 CARROLL FOX RD); 100%(there is 1 guc) LM NOT APPV BY DEADLINE so Mp extends it
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am24-15346 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing on Modified PlanContinued
9/3/2025 10:00 am
Debtor has made 7 of 14 required payments   Arrears: $10,204.00
MP was filed and on for 9/3/25


AS OF 7/14/25 (SF)

1. The plan does not propose to cure arrears of $8685 calculated through June. The plan proposes to reduce payment and change plan from a base to 0%.

Note: Only Schedule J was amended. Debtor receives social security and spouse has two jobs and receives social security.


2. Trustee Cert of Default scheduled for 7/23 at 9


MP proposes $10,255 PTD; $334 X 23 0% Plan
Plan has run 14 months with 22 months remaining
Arrears: $8685 through June


Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am24-17357 / CMGMichelle Lee, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 10 of 12 required payments   Arrears: $0
As of 7/16/25(mk):

1. Trustee Objection:
-Plan proposes to now pay Executor on a 2014 Ram truck that was surrendered in a prior confirmed plan via a cram in part 4 of plan( not in part 7) A SEPARATE MOTION MUST BE FILED ON THIS AND PROPERLY SERVED UPON THE CREDITOR

- need fee app for supp fees

-plna payment is increased as of date above no amended i & J nor updated proof of income has been filed


MP proposes PTD $4125 (10mos); $785 X 50; BASE
ADDED EXECUTOR CAR TO BE PAID THRU THE PLAN INSTEAD OF SURRENDER
ADDED ATTY FEES. Plan has run 12 mos and 48 remain


---------------------
March 2025 prior conf:3150 PTD (8 MOS) $504 X 52 BEG 4/1/25 ; BASE $29,358 ; ATTY FEE $4850/$4850 ; MTN
OTBS FROM SANTANDER W/IN 30 DAYS OF CONF
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am24-19908 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 9 required payments   Arrears: $501.00
AS of 7/16/25 (mk) NO JULY PAYMENT HAS BEED MADE YET

NEED LOSS MIT ORDER

TR Objection: Amended I & J filed and updated P & L is for March- May . Atty says have till 9/2025 for LM and debtor B'ness is variable over the summer and that is reason for tiers. ADJ TO 7/23/25 for Loss Mitt order then work up .


need 2024 tax return

Plan: $843 x 7; $1500 X 4; $4264.75 X 49; LM 9/2025(PARTIAL PAYMENT PENDING LM); BASE
arrears $501

-----------------------------
Mtg co objection to plans still not resolved. AND THERE IS OPP'N TO MOTION TO APPROVE PARTICIPATION IN LOSS MT-OTBS
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am24-20137 / CMGVera Fedoroff, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 9 required payments   Arrears: $40.00
As of 7/16/25(mk):


1. Trustee objection.
-MP increases payment form $724 p/ m to $2,468 p/m No amended I & J has been filed and no updated proof of income has been provided.
- the tr payment needs to increase to $3,345 x 39 to cover claims and that is not feasible.



MP proposes $2468 X 53; 100% now curing mtg arrears
39 mos remain





prior plan confirmed at :$2028 PTD (4 MOS) $724 X 44 BEG 3/1/25 ; 100% PRESERVE EQUITY T/H OF $249,023 ; ATTY FEE $1728/$4150 ; LOAN MOD BY 4/1/25 ( NO PAY PENDING LM
Email InquiryMatter ResolvedRequest
Adjournment
927/23/2025 10:00 am24-20154 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 9 of 9 required payments   Arrears: $0
AS OF 7/10/255 (SF) BELOW ISSUES STILL NOT RESOLVED


6/9/25(MK) OK to adj. to a Peremptory date to confirm or D



On 6/6 Atlantic Health Partners filed another claim which is an administrative claim 12-1 in the amount of $28,466.49 which is not addressed in plan. Page 4 of the proof of claim states that the total sum due from debtor under the term of the agreement is at least $36,544.09. Of that claim amount $8,0877.60 represents pre-pet advances and $28,466.49 represents post-pet advances. The total amount of $36,544.09 is the same amount as proof of claim #11-2. (MUST RESOLVE)

1. Debtor has new job. Need current pay stubs. (STILL NEED)

2. Trustee objection:
-NO income for debtor from Podiatrist practice was provided- 341 testimony indicated he was d still practicing- NEED Clarification and POI- Business income(Suppl obj filed)
- There is $76,386 non-exempt equity in debtor's home.
-WHAT IS STATUS OF THE REFI?

Plan proposes $200 X 36 Base; Refinance by 6/1/25
Payments: 8/9 Arrears: $200



------------RESOLVED---------------
- need to provide HOI renewal, policy provided expires 12/14/2024-PROVIDED

fti: ORDER RESOLVING OBJ. TO CONFIRMATION BY AMERICAN NEIGHBORHOOD MTG SUBMITTED 12/4; TERMS=pay arrears claim 3,967.95 thru plan

- Atlantic Health Partners LLC filed a bifurcated claim 11-1. $80,949.04 priority and $31,127.23 unsecured. This claim is not addressed in the plan. (HOW SHOULD THIS CLAIM BE PAID?) (AMENDED)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am24-20670 / CMGRussell L. Low, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 9 required payments   Arrears: $3,950.00
AS of 7/15/25(mk);

100% plan and if MRF is resolved - would need to know if arrears are added to plan....


Then::$13,753.22 PTD Then $2,760 x 51 Begin 8/1/25 100%.
PRESERVE EQUITY T/H OF $192,031.00 IN REAL PROPERTY**

would complete timely( actually early) at 100%


>>MFR on 7/14/25 Select Port. (RAS)- NEED RESULT


MP before conf.: $1,570.46 x 6; $2760 X 47; 100%
5/9 Arrears 3,949.54 100% will incorporate arrears
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am24-21032 / CMGJohn H. Anlian, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 8 required payments   Arrears: $2,250.00
7/15/25(mk): PEREMPTORY for 7/23/25

>>>Arrears 2,250. Need resolution of #1 and ok to pay #2?

1.Objections by Nation Star( McCalla) and Harley Davidson( Stewart legal).


2.Objection by Harley Davidson(Stewart legal):
-Plan fails to pay arrears- ADD LANGUAGE OK TO PAY?

3. Trustee Objection:
- there is non exempt equity in real property of 13,762- PLAN MUSTT BE 100%
- need copy of the last filed tax return - for 2024.
- need Auto insurance for 2015 Nissan Rogue and 2017 Harley.
-need Amendments to Schedules Sched A/B and C to add 2021 Chevy, per auto insurance provided
-Electricity/heat/gas $800 and Tele/cell/internet $530. Allowed if 100% Plan
- Proof of income verifies that there is disposable income $2,411. -Schedules fail to add spouse full income.


Plan:$1,000 x 18 begin 12/1/24; Base and Sale of Sliker Rd by 5/1/26
6/8 PAYMENTS. arrears 2,250
--------------
MFR filed By Santander( Eisenberg) on for 6/11/25 AND MFR BY NATIONSTAR(McCalla) OTBS
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am24-21622 / CMGMaryBeth Schroeder, Esq.Order Vacate Dismissal of CaseNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 8 required payments   Arrears: $5,630.00
AS of 7/10/25 (SF) NEED STATUS OF OBJECTIONS AND DEBTOR IS NOT CURRENT WITH TRUSTEE PAYMENTS

1. Objection by Carol Granese (hand written letter(#12) to Ct says she is owed money from debtor) UNSECURED CLAIM FILED (MUST RESOLVE)

2. Objection filed by Banc of California (Michael Herz) - failure to provide for treatment of their claim and feasibility. (NO CLAIM FILED AND BAR DATE HAS EXPIRED) (MUST RESOLVE)

3. Trustee Objection

-Schedule C takes d(1) exemption for Co-Debtor who is not on the Deed, Debtor only on Deed

- excessive expanses: Taxes $500. Must provide proof of taxes being paid within
10 days prior to confirmation. (ATTORNEY DOES OT HAVE PROOF SO EXPENSES HAVE BEEN REDUCED BY $500)

-There is estimated non-exempt equity in the residence, as of now at $145,567 (Pending State of NJ tax claim to be filed) NEED PROOF THAT DEBTOR OWES STATE OF NJ SO THAT WE CAN PROPERLY CALCULATE NONEXEMPT EQUITY (CLAIMS FILED AND NONEXEMPT EQUITY IS $45602 IN REAL ESTATE)

- There is Nonexempt equity in 2007 Chrysler $758 and Wells Fargo business acct $1,100


Plan proposes $2815 x 60 Base
Payments: 6/8 Arrears: $5,630


RESOLVED:
- NEED MP TO CHECK OFF PART 1E (FILED)
- need updated home insurance (RECEIVED)
- Must file Pre-confirmation certification. (FILED)
- State of NJ filed secured claim 30-1 in the amount of $55,366.89 (OK TO PAY?)YES
- Rocket Mortgage filed arrears claim 6-1 in the amount of $1739.69 which is not addressed in the plan (OK TO PAY?) YES
- IRS filed priority claim 4-1 in the amount of $23,437.23 which is higher than proposed amount of $6695.72 (OK TO PAY?) YES
State of NJ filed estimated priority claim 30-1 (AMENDED)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am24-21975 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 7 required payments   Arrears: $0
Peremptory for 7/232/25

As of 7/15/25(mk):

NEED UPDATE ON CLAIM REVIEW PER NOTE BELOW

5/15/25(mk) per atty- needs to review POC w/ atty in obj #1 below. Claim adds interest and not over secured and creditor also has J'ment vs NF sp for 500K.

As of 5/14/25(mk):

>> IF OK TO PAY CLAIMS IN #1 and #2 Below THEN

**NEEDS TO CONFIRM AT $9,685 PTD Then $3,071 x 55 Begin 6/1/25 BASE. Fee app within 7 days from confirming order.
Trustee ok to pay arrears claim#4-1 of US Bank $1,893.
Trustee ok to pay claim#4-1 of MMU, LLC $155,309.97
Within 7 days must file Pre-confirmation certification**


--

1. Objection by MMU( P. Ragan):
- filed amended claim for 155,309.97- OK TO PAY?

2.- Nationstar filed arrears claim for $1,893. TRUSTEE OK TO PAY?


Prop Plan $1,937 x 60 begin 1/1/25; Base
7/7 payments
Note: There is no non-exempt equity in Valley Bank due to the secure claim filed by MMU. There is disposable income $5,908, deduct social security would be $2,638. Updated homeowner insurance and Citizen Bank statements provided.

Trustee obj to the following:
- Excessive expenses on Sched J: Food $1,300, and spouse credit cards, student loans and wage garnishment $2,200. Must provide proof of expenses 10 days prior to confirmation.(soc sec inome and - sp exp
- Add to confirming order fee app within 7 days from confirming.
- Must file Pre-confirmation certification. added to terms
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am24-21979 / CMGBarbara J. Snavely, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 7 required payments   Arrears: $18,000.00
AS of 7/15/25(mk):

>>4/7 payments(Arrears= 18,000)

>>MFR BY US BANK(RAS) on 8/13/25

NOT FEASIBLE DUE TO CLAIMS- NEED RESULTS OF CLAIMS MOTIONS


1. State of NJ - Dept Labor (Thomas J. Swan) objection:
- creditor requires full payment of plan
- deny confirmation of Plan

2. Bank New York (RASC) objection to confirmation - need to resolve
- Property 55 Country Club Road
- plan is unclear regarding the payment of adequate protection payments/gap payments to secured creditor in that amended plan was to have conduit payments to be made per Trustee. Secured creditor objects to the plan and seeks clarification as to debtor's intentions, with regard to the subject property and claim.

3. US Bank (RASC) objection to confirmation - need to resolve ORDER RESOLVING SECURED CREDITOR'S OBJECTION TO CONFIRMATION WAS FILED 2/13/2025 AND STATED CLAIM WILL BE FILED BEFORE BAR DATE, BAR DATE PASSED 2/13/2025, NO CLAIM FILED
- Property 1256 Whitman Avenue
- Plan fails to treat this property, it is not listed on Schedules A/B, C
or D
- Creditor estimates pre-petition arrears in the amount of $24,577.58 - NO CLAIM FILED, BAR DATE PASSED 2/13/2025 (in plan as Selene
Finance)

4. IRS priority claim #7 filed for $646,055.50, secured IRS claim #7 $30,210 -109(e) issue

5. State of NJ, Division of Taxation priority claim #9 filed for $350.91, secured claim $8,953.56

6. Bank of America claim 9-1 (business car lending) filed secured claim 12 in the amount of $1,234.97 - not provided for in the plan


7. Trustee objection :
- Need A copy of the homeowner's insurance renewal declaration - for
WHITMAN property. Need mortgage statement for Camden property
if no POC has been filed. NO CLAIMS FILED AND BAR DATE PASSED .

-Need copy of the deed - for Camden property. NOT PROVIDED TO
DATE

-REALTOR NEEDS TO BE RETAINED FOR SALE OF WHITMAN PROP.

- Need Amendments to Schedules A, C and D to list Camden property.
AMENDED SCHEDULES NOT FILED TO DATE

-Deb
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am24-22415 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 7 required payments   Arrears: $260.00
MFR adj to 7/23- CO submitted- roll post pet $8,744.08 into plan

AS of 7/15/25(mk): 5/7 payments last pay May. Plan not feasible w/o a LM

>>NEED UPDATE ON LM STATUS<< The time period for the LM has expired


last adj to 6/11/25 for any progess on LM

<>>MFR By Wells Fargo Bank was adj to 7/23 for a CO


1. Objection By Wells Fargo(RAS):
- fails to pay arrears LM speculative

2. One Main Financial Group LLC (2010 Ford Focus) filed arrears claim in the amount of $321.94. Plan treats claim as unaffected by plan. NEED TO ADVISE TRUSTEE OF TREATMENT OF THE ARREARS

3. One Main Financial Group, LLC (2006 GMC Envoy) filed BIFURCATED claim $17,466.22 of which $6,975 is secured and $10,491.22 is unsecured. In addition, there are arrears in the amount of $1.365.52. Plan treats claim as unaffected by plan. NEED TO ADVISE TRUSTEE OF TREATMENT OF THIS CREDITOR CLAIM.

4. TR Objection:
-as of now There is $3,806 non-exempt equity in house.


proposed plan $130x60 base plan with loan mod by 6/30/2025
5/7 payments arrears 260

--------RESOLVED-------------
Need 2024 Tax return by 5/15/25- NON FILERS
- need home insurance w/ personal liability coverage PROVIDED)
Need pre conf cert. FILED
Email InquiryMatter ResolvedRequest
Adjournment
1047/23/2025 10:00 am24-22771 / CMGRoger J. Yehl, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 10 of 7 required payments   Arrears: $0
AS OF 7/17/25 (SF) UPDATED

RECOMMEND $3800 PTD; $700 X 53 (BEGIN 8/1/25) BASE PLAN
- STUDENT LOANS TO BE PAID OUTSIDE
- OTBS BY THE TRUSTEE WITHIN 14 DAYS EXTENDING THE STATUTE OF LIMITATIONS ON FRAUDLENT TRANSFER TO FAMILY MEMBER


2. Trustee objection:

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$275/month for cable/internet/phone and $75.50/month for phone on P &L
$1,050/month for food and $76/month for food on P &L (FOOD AMENDED TO $650, $400 IS ALLOWED)
$325/month for clothing (AMENDED TO $250, $100 IS ALLOWED)
$175/month for personal care
$550/month support for son and granddaughter
Need proof of excessive expenses 10 days prior to confirmation.

- Need Certification from debtor regarding disposition of proceeds from sale of property in 2022. (Debtor received $113,546.14. Cert provided only accounts for an estimated $50,000. No proofs of payments provided) (SENT TO MK FOR REVIEW) NEED STATUS



Plan proposes $400 x 60 Base
Payments: Current $3800 received

RESOLVED:
- Need to file Pre-Confirmation Certification. (FILED)
- Need November and December bank statements for TD account #6564 or closing
statement. (RECEIVED)
- Need statements for the Mass Mutual and Guardian whole life insurance policies. E (RECEIVED)
- The debtor has insufficient income . (SCHEDULES I AND J AMENDED)
- IRS filed estimated priority claim 11-1 (AMENDED)



Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-10063 / CMGNicholas Fitzgerald, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 6 required payments   Arrears: $0
PEREMPTORY for 7/23/25- Has sale of property closed?

AS OF 7/15/25(mk);

>>SALE OF Falson Lane in process- Order entered 5/8. for sale w/in 60 days. Atty filed motion to extend time in case it dose not close by 7/8/25.


1. IRS ESTIMATED CLAIM.

2. ST OF NJ ESTIMATED CLAIM:

3. Trustee Objection:
- Must provide 2024 Tax return for Debtor and spouse.

- Case must remain 100% or dismiss.

- There is non-exempt equity in the residence $347,922 and Country Rd $161,178 total $509,100, bar date has passed total gucs filed $106,125.66, however, the State of NJ estimated claim needs to be resolved. PLAN IS 100%

- There is non-exempt equity in residence $347,922 and County Rd 519 $161,178 total $509,100
.
- Add to confirming order non-exempt proceeds from the PI claim and Sale of Falson Ln and County Rd 519 properties to Trustee.

Prop Plan $500 x 60 begin 2/1/25; 100% and Sale of Falson Ln, Morganville, NJ and County Rd 519, Frenchtown, NJ by 9/30/25
Note: 2023 Tax return for spouse provided.


-------RESOLVED------------
- CASE MUST REMAIN 100% OR DISMISS. Settlement Statement for 1086 State Hwy 173 property owner is DEBTOR BUSINESS. PER 2023 TAX RETURNS THIS PROPERTY IS LISTED AS RENTAL INCOME RECEIVED $24,000, SO HOW CAN THIS BE SOLD 2 YRS AGO?
- CASE MUST REMAIN 100% OR DIMISS. Settlement statement provided for 138 Preston Rd shows that property was transferred for $1 on 3/21/23 to 138 Preston Rd LLC (OWNED BY DEBTOR), then sold 2/7/25 for $1 to DEBTOR'S SPOUSE after the filing of this case. This would be a fraudulent transfer.
- Excessive expenses on Sched J for $500 Home maintenance and Medical/dental $1,284. MAY BE MOOT SINCE PLAN PROPOSE 100%, ALSO THERE IS NO DISPOSABLE INCOME AFTER DEDUCTING THE EXCESSIVE EXPENSES.
Debtor has insufficient income, disposable income verifies -$1,967 (Deducting excessive expenses). DEBTOR IS CURRENT

Citizens Bank - County Rd 519 (ANDREW LUBIN) obj to sale and ask for 6 month sale completion date, not longer. Must resolve
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-10096 / CMGVera Fedoroff, Esq.Confirmation Hearing ScheduledContinued
8/13/2025 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $110.00
mk ;adj by Ct to 8/13 to allow time for new counsel

AS of 7/10/25(mk)
(filed at #47)
>NO ATTY DISCLOSURE FILED BY CURRENT ATTY.PRIOR ATTY WAS PAID 6500 OUTSIE PLAN. HE HAS WITHDRAWN AND NEW COOUSEL IN CASE.

>>CASE HAS 5 UNSECURED CREDITORS AND BAR DATE HAS PASSED. DEBTOR PAYS VIA MONEYGRAM SO BK ACCT ISSSUE IS MOOT

- needs to file pre conf cert

------------------------------
(filed at #47)
>NO ATTY DISCLOSURE FILED BY CURRENT ATTY.PRIOR ATTY WAS PAID 6500 OUTSIE PLAN. HE HAS WITHDRAWN AND NEW COOUSEL IN CASE.

1. Trustee Objection:
- None of the income letters are certified. DEBTOR IS NOW CURRENT
- certification from debtor as to Bank account closing with date and
address how she handles the money she receives and how does she
pay bills ?
- proof of payment for rent lease or certification from landlord. debtor
testified the rent is $4,200 per month. Sch J says $500. Needs
explanation
- Need to file Pre-Confirmation Certification.
-Needs TR std order of distribution.
- need fee app for hourly fee 7 days from confirming order(ATTY W/D)
- Need most recent full statements for Lakeland Bank #8506(mk: debtor testified has not had a bank acct since 8/2022)

Plan:$110 X 36; BASE
5/5 payments

----------------------RESOLVED_-----------------------------
6/2/25: New counsel for debtor who has requested more time to amended the adv pro complaint and vacate dismissal of the adv pro.

5/28/25(mk):debtor is pro se now as atty has w/d. and the ADV.PRO has been dismissed per Order entered at #29 on 5/27/25. ADV PRO IS BACK- waitng for amneded Order
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-10192 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 6 required payments   Arrears: $850.00
As of 7/15/25(mk); Updated- email to atty- OK to terms

Motion on 7/23/25 for POC #7-1 to be reclassified as unsecured due to discharge in prior ch 7- No opp'n


**CAN REC CONFIRM AT $4,250 PTD THEN $850 x 34 Begin 8/1/25 Then $1,530 x 20 Begin 6/1/28. Base Student Loans outside**


1.Trustee objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of $537.35.

- This is an above median case and the plan only provides for a 52-month plan - need to modify plan for 60 months

STAY VACATE ON THIS-
3 US Bank filed Claim #7 for a house in New York that is not listed in the plan or schedules. Debtor has 50% interest in this property. The claim includes mortgage arrears in the amount of $41,464.04 Need to amend Schedules to include property and provide Trustee with CMA, proof of homeowners insurance, Deed.

plan $$850x40, $1,300x12 base. Student loans outside
5/6 payments


-----RESOLVED----------
US Bank (RASC) objection to confirmation - need to resolve
- approximate arrears $36,523.80- THERE IS STAY VACATE ON THIS PROP/Claim:118-04 203rd St- NO INFO HAS BEEN PROVIDED ON THIS PROPERTY- STAY VACATE AND NOT DEBTORS PROPERTY

STAY VACATE ON THIS-
3 US Bank filed Claim #7 for a house in New York that is not listed in the plan or schedules. Debtor has 50% interest in this property. The claim includes mortgage arrears in the amount of $41,464.04 Need to amend Schedules to include property and provide Trustee with CMA, proof of homeowners insurance, Deed.


2024 tax return-provided
Pre-Confirmation Certification - RESOLVED, FILED

- Need December and January bank statements for Municipal Credit Union Share 2 account - RESOLVED, PROVIDED
- Need to file Pre-Confirmation Certification - RESOLVED, FILED
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-10586 / CMGVera Fedoroff, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 15 of 6 required payments   Arrears: $0
As of 7/15/25(mk): case is now 6 mos old and same issues.

>>This is a 2 creditors case . 1str and second mtg only- VALUE OF PROP IS HIGH ENOUGH SO AS TO PREVENT A CRAM OF THE SECIOND MTG (as plan proposes0 AND TO AVIOD THE J'MENT LIENS

1. MRF on 7 /2/25 OTBS- debtor wants outside cure

2.Trustee objection:
- Debtors plan provides for treatment of First Mtg that
The NJERMA grant which the Debtor has applied for requires that any arrears remaining after grant funds are applied must
either be paid immediately, or dealt with by a loan modification. Debtor cannot pay the balance of the remaining arrears
through the Chapter 13 Plan. The Plan is being modified to comply with NJERMA requirements. WHEN WAS IT APPLIED FOR? BEFORE FILING? HAVE D FUNDS BEEN AWARDED/ need documentation.

- No proof that debtors have applied for a LM.


- Debtor cannot cram second mortgage as there is equity left over after the first mortgage.

- There is still equity left over( more than 20,000) so the Lien avoidance in part 7 a is not proper either. No claim filed by LVNV Funding and Midland funding


Plan:$711 x 60 begin 2/1/25; Base
PTD 1,522
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-10644 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 5 of 6 required payments   Arrears: $1,500.00
7/17/25(mk) another adj request uploaded says LM is under review- Plan is a sale Plan??? and St of nj req. adj to review tax abatement issues- wants 2 cycles which would be 9/3- NEEDS TR REVIEW

7/23/25:PEREMTORY DATE

>>AS OF TODAY (7/15/25)PROPERTY DOES NOT APPEAR TO BE LISTED FOR SALE.

As of 7/15/25(mk): case is 6 mos old- still has tax issues.

Mk: order submitted 5/9/25 resolving obj. Of USBank: TERMS=sale of property by 7/31/25 TR No pay arrears pending sale


adj to 7/2 - need listing by then sale of property to occur by 7/31 per CO w/ lender. not plan date of 8/1/25- as of 6/27 PROPERTY NOT LISTED FOR SALE


1. Trustee obj to the following:
- Must provide if not filed can add to confirming order to provide no later than 5/31/25. NOT FILED
- Debtor has undertaken an improper use of exemption. Specifically: has exceeded D5 exemption limit by $11,100.
- There is no equity if paying State of NJ Tax secure claim.
- Must resolve IRS estimated claim, 2024 Tax return not filed.
- Any dismissal should trigger a bar to re-filing for 180 days.

2. State of NJ Division of Taxation (MATTHEW PLATKIN) obj secured and priority debt owed. POC filed secure $471,399.72 and priority $4,048.87. Must resolve obj.

3. Hyundai Capital-2023 Kia Sorento filed arrears claim for $17,073.93. Plan has KIA as current. Must pay or move against claim.

Prop Plan $1,500 x 60 begin 2/1/25; Base and Sale of 453 Rte 33 East by 8/31/25

-----RESOLVED------------------
. US Bank (CORY WOERNER) obj to sale being speculative, no motions or applications to retain filed. Must resolve obj.Mk: order submitted 5/9/25 resolving obj. Of USBank: TERMS=sale of property by 7/31/25 TR No pay arrears pending sale
- Must provide updated auto insurance, insurance expired 2/21/25 UPDATED NOE 8-21-25
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-10753 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 4 of 6 required payments   Arrears: $742.00
As of 7/14/25(mk)

Order Granting stay relief on real property entered in May 2025(#23). No resolution on Guardian agreeing to participate in the case. No 341

4/6 payments

as of 5/20: atty says Office of the public guardian was appt'd for F Debtor Ken. Do not have signed order yet . Atty looking for another adj. to sort it out.

As of 5/13/25(mk):

>NEED UPDATE ON ST CT GUARDIANSHIP PROCEEDING

>>MRF by Selene(RAS) on 5/21/25


4/9/25:Guardian Ad Litum app'd and hearing for permanent Guardian next week


>>NO 341

1. US Bank (RASC) objection to confirmation - need to resolve
- Sale plan speculative.

2. IRS ESTIMATED CLAIM (Priority and guic)

3. St Of NJ ESTIMATED CLAIM(Priority and guc).


4 NJ Department of Labor, Division of Employer Accounts filed secured claim 6-1 of $17,253.68 not provided for in plan - NEED TO RESOLVE

Plan $371x60 base with sale of house by 8/1/2025
4/6 payments
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-10818 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 6 required payments   Arrears: $477.00
Still NJ Est claim unsecured- 7/23/25 Peremptory

AS of 7/16/25(mk):

Trustee supp obj:
1. Plan proposes to pay secured amt to Global lending 8,734.93 interest for a total $10,617.TR needs an Order to pay the claim interest.


proposed plan $477x60 base plan with minimum $10,866.57 to gucs
5/6 payments


--------------------RESOLVED-------------------------
Trustee objection:
- there is $839.34 disposable income.( below med and this plan is 60 mos payment going forward 600
- there is $10,866.57 non-exempt equity in house.( provided for in terms
- homeowner's insurance renewal declaration - PROVIDED

- IRS priority claim estimated for 2024 taxes. AMENDED CLAIM FILED, ZERO DUE
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-10837 / CMGErik M. Helbing, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 3 required payments   Arrears: $609.00
AS OF 7/15/2025 (at):

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - with recent sale comps, CMA only has 1 sold property and 3 others were not sold. (NOT RECEIVED)
- Must file Chapter 13 Attorney Disclosure. (FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Tele/Cell/Internet/Cable $635.99, Debtor Profit & Loss also takes expenses for phone $120, utilities $150 and rent $500 when business is run out of home, also 2nd mtg payment $550, verifies $510 and IRS $50. Must provide proof of expenses 10 days prior to confirmation. (PROOF OF EXPENSES NOT RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I &
J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- There may be disposable income pending proof of expenses.
- 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 may be non-exempt equity in real property pending updated CMA.

Plan proposes: $609 x 60 beginning 5/1/2025, not less than $30,574.12 to unsecured creditors
Payments: 2/3, arrears $609
Email InquiryMatter ResolvedRequest
Adjournment
1607/23/2025 10:00 am25-11128 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 5 required payments   Arrears: $2,180.00
AS OF 7/10/25 (SF) NOT CURRENT 1 OF 5 PAYMENTS ARREARS: 2180


1. State of NJ filed estimated priority claim 5-1 (NEED AMENDED CLAIM)

2. Trustee objection:

- Proof of 2 month's income - for job as a substitute teacher for Wall. (STILL NEED. DISPOSBLE INCOME IS CURRENTY NEGATIVE ($1292.53)

- Need a Modified Plan that assumes residential lease.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$2,500/month for rent (need copy of lease) (STILL NEED)


Plan proposes $546 x 36 0%
Payments: 1/5 Arrears: $2180



RESOLVED:
- Objection filed by United Teletech Financial FCU (DuPont) - objects to cram (RESOLVED)
- Need a copy of the last filed tax return - 2024 by 5/15/2025. (RECEIVED)



Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-11199 / CMGJeanie D. Wiesner, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 2 of 5 required payments   Arrears: $975.00
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-11291 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $485.00
7/23/25 to be current, and resolve tax issues or D- email sent to atty

As of 7/16/25 (mk):

>>Needs $484.68 to be current

1. IRS ESTIMATED UNSECURED CLAIM- no 2019 return.

2. Trustee obj:
- Must provide pay stubs from Debtor for Feb. & March.
- Plan fails to propose prompt cure of landlord arrears.


Plan $484.68 x 60 begin 3/1/25; Base
Note: 2024 Tax return provided 5/16/25. Tax refund no issues since disposable income verifies -$232.
4/5 payments

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

MFR filed by Landlord, Woodbine Living, Debtor in arrears, sched 5/21/25. COTBS $9,664 PRE-PET ARREARS TO BE PAID BY TRUSTEE AND POST-PET $240 TO BE PAID BY DEBTOR
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-11406 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 5 required payments   Arrears: $780.00
As of 7/17/25 (DS): 1. Still missing 2024 Tax return, also plan is not feasible, income is insufficient disposable income verifies $84.

2. Debtor filed a change of address form, no longer residing at current address. No amended Sched J has been filed. Has the rent expense changed?

Plan w/d and MP in 14 days

As of 4/23/25
AR IF LL STAY RELIEF IS GRANTED DOES DEBTOR WISH TO CONTINUE CASE - YES he does LL filed motion but did not file a claim

(DS): 1. MFR filed by Emmanuel Nazario, Landlord. Lease is month to month lease, Landlord is seeking to proceed with eviction. Sched 4/30/25. Must resolve. ORDER ENTERED TO PROCEED.

2. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $84.
- Must provide 2024 tax return, if not filed can add to confirming order to provide no later than 5/31/25.

3. Alta FCU - 2008 Mercury Mountaineer filed arrears claim $2,591.70, which is also balance of claim. Loan date was 11/3/20 and should have been completed by 11/19/24. Vehicle and creditor is not listed in Plan or Schedules. Must move against claim or pay and must provide auto insurance and amend Schedules and Plan to include. ATTY says CAR was repossessed- MP to be filed surrender in full satisfaction. MOD PLAN FILED TO SURRENDER

4. Bar date has passed 4/22/25, no claim filed by Landlord. MOD PLAN LIST AS OUTSIDE.

Prop Plan $195 x 4 begin 3/1/25; $780 x 32; 100%
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-11413 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 5 required payments   Arrears: $1,000.00
AS OF 7/10/25 (SF)


1. Motion for Relief by Citizens Bank 7/23 at 9 (MUST RESOLVE)

2. IRS filed estimated priority claim 9-1 (NEED AMENDED CLAIM)

3. Trustee Objection:

- Need Proof of 2 month's income - . Need January pay stubs for the debtor.


- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$850/month for utilities (JCPL IS $340 per month. Cannot include past due amounts)
$660/month for cable/internet/phone (cable is $332)
$2,000/month for health insurance
$675/month for car insurance ( Premium is $4357 for 6 months)
4 car payments - $422, $408, $241 & $215 (4 car payments are not allowed)
Need proof of excessive expenses 10 days prior to confirmation.

- Verified income leaves monthly disposable income of $7,954.29.

- There is $195223.14 in non exempt equity in the residence. (Will change when IRS claim is resolved)



Plan proposes $500 x 60 Base w/Min $122,000 to gucs; Refinance by 1/1/26
Payments: 3/5 Arrears: $1000

RESOLVED:
- Need a mortgage statement for the Citizens Bank mortgage. (Claim filed)
- Need a copy of the last filed tax return - for 2024 by 5/15/2025. (RECEIVED)
- Objection filed by Citizens Bank (Lubin) - failure to pay arrears of $15,065.61 -COTBS, pay arrears
- Need a copy of the homeowner's insurance renewal declaration - . Policy provided expires on 6/11/25. (RECEIVED)
- JPMorgan Chase filed arrears claim 20-1 in the amount of $1659.57 which is not addressed in the plan. (OK TO PAY?) mk YES PAY
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-11457 / CMGJames J. Cerbone, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 5 required payments   Arrears: $112.00
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-11561 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 4 of 5 required payments   Arrears: $500.00
AS OF 7/15/25 (mk):

>Case is 5 mos old and a sale plan .Property is not listed for sale , no realtor has been retained and plan is not feasible w/o a sale of the real property.

1. Objection filed by Mortgage Assets Management (McCalla Raymer) - borrower is deceased. Debtor is the surviving spouse. There is no surviving borrower under the terms of the note and mortgage. Total debt claim of $486,577.42. (Per POC) (UNRESOLVED)

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

Plan proposes: $500 x 36 beginning 3/1/2025, sale of residence by 3/1/2026, $41,000 to unsecured creditors
Payments: 4/5, arrears $500

---------RESOLVED ISSUES---------------------------
- Amendments to Schedules J to remove car payment. Car is being paid through the plan. (NOT NECESSARY) atty says plan says unaffected
- Need 2023 tax return 10 days prior to confirmation. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2024 by 5/15/2025. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $310 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): -
- There is $72,695 non-exempt equity in the residence. (LANGUAGE ADDED) zillow has value at 512,000

Plan proposes: $500 x 36 beginning 3/1/2025, sale of residence by 3/1/2026, $41,000 to unsecured creditors
Payments: 4/5, arrears $500
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-11625 / CMGScott D. Sherman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 5 required payments   Arrears: $0
AS OF 7/10/25

RECOMMEND $1912 X 36 (BEGIN 3/1/25) BASE PLAN W/MIN DIV OF $34,284 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE
- OK TO PAY STATE OF NJ PRIORITY CLAIM 16-2
- OK TO PAY FREEDOM MORTGAGE ARREARS CLAIM 12-1





1. Freedom Mortgage Corporation filed arrears claim 12-1 in the amount of $223.64 which is not addressed in plan (OK TO PAY?)

2. Trustee objection:

- There is $1,563.06 non-exempt equity in house, cannot be a base plan. (NONEXEMPT EQUITY IN REAL ESTATE IS $34,284 DUE TO CLAIMS ARE LOWER)



Plan proposes $1912 x 36 Base
Payments: 3/4 Arrears: $1912

RESOLVED:
- Part 1e of the plan is not checked. A modified plan must be filed. (MP FILED)
- Need a copy of the last filed tax return - 2024 return by 5/31/2025 (RECEIVED)
- Need to file Pre-Confirmation Certification with Court
(RECEIVED)
- IRS filed estimated priority claim 5-1 (AMENDED)

Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-11702 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 5 required payments   Arrears: $2,300.00
As of 7/14/25(mk):

**CAN REC CONFIRM AT $9,200 PTD Then $2,300 x 31 Begin 8/1/25 100%. Preserve equity in real property of $79,597. Plan shortened to total of 36 months**



1. Trustee obj:
- there is non-exempt equity in the residence $79,597. Plan is 100% 100%.

2. PHH Mtg/HSBC (CORY WOERNER) obj to arrears owed, POC filed total balance owed $46,005.60, loan has matured and is payable in full. Must resolve.


Prop Plan $2,300 x 60 begin 3/1/25; 100%
4/5 payments
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-11928 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 5 required payments   Arrears: $1,074.00
AS of7/15/25(mk):email to atty

**Can rec confirm at $4,296 PTD Then $1,300 x 55 begin 8/1/25 Base.
fee app within 7 days from confirming order**


Prop Plan $1,074 x 60 begin 3/1/25; Base
4/5 payments


------RESOLVED----------
- Add to confirming order fee app within 7 days from confirming orderLANG ADDED.
- Must file Pre-confirmation certification. FILED
- Must provide Jan. and Feb. bank statements for Bank of America acct#8784 prior to filing date.( we have #1063)PROVIDED
Note: IRS claim no longer estimated. 2024 Tax return provided
-excessive expense items, such as:
$700/month for contributions (need court order)450 to son and vol 250 to ex wife...Neither is listed as a dependent on tax return
Need proof of excessive expenses 10 days prior to confirmationCERT PROVIDED
.

.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-12109 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 5 required payments   Arrears: $2,180.00
AS OF 7/15/25(mk):

>.Total NE equity is $113,599 in real property and $15,409 in GMC 129,008 as total Equity T/H

Payment needs to increase to cover that.

** NEEDS TO CONFIRM AT $8,720 PTD Then $$2,577 x 55 begin 8/1/25 base w/ min of 129,008 to gucs due to equity in real and personal property. Trustee is authorized to pay arrears claim #3-1 of NEW AMERICAN FUNDING, LLC in the amount of $378.54 through the plan. Must file amended schedules B and C to list 2008 Trailer and GMC w/in 14 days**


1. Trustee's objection:
-- Amendments to Schedules B/C to add the 2008 Trailer and 2020 GMC. (NOT AMENDED)

------------------------RESOLVED ISSUES----------------------
NJ Division of Taxation filed an estimated claim #9 which needs to be amended.(APOC FILED)
. New American Funding filed a secured arrears claim in the amount $378.54 which is not in the plan. Is the debtor going to pay this claim? MK YES PAY
- Need January and February bank statements for TD accounts 3773 and 1675. (RECEIVED - 1675 IS IN THE NAME OF NON FILING SPOUSE ONLY) atty says will provid Mk
- A copy of the last filed tax return - 2024 by 5/15/2025. (RECEIVED)
- Need car insurance that provides policy periods. (RECEIVED)
- Certification regarding ERC money of over $200,000 that will be received by debtor (Covid money). (RECEIVED)
- Certification regarding $100,000 owed to spouse as a creditor. (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - . Policy provided expires on 3/22/25. (RECEIVED)
- A copy of the HUD-1 statement for 2001 Waverly Avenue. (RECEIVED)
- Closing statement for LBI property. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. 1325(a)(4):
- There is $113,599.50 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $15,409 in non exempt equity in the 2020 GMC. (LANGUAGE ADDED)
- Need business bank statements for August - Jan
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-12256 / CMGScott E. Kaplan, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 4 required payments   Arrears: $520.00
As of 7/15/25(mk):email to atty

Is PI case settled??

1. Deutsche Bank (RASC) objection to confirmation - need to resolve
- filed secured claim in the amount of $144,397.30

2. Ally Financial (2014 VW Passat) filed arrears claim $1,072.49. OK TO PAY?

3. Trustee objection:
- need tax return - for 2024.
- Amendments to Schedules A/B and C to Toyota Camry and 2012 Chevy Impala and Personal settlement for co debtor.
- The debtor must provide proof of auto insurance for the 2014 VW Passat.
- There is non-exempt equity in the residence $31,368, all cars pending amended Schedules filed, PNC Bank acct#7838 $297 and other accts pending bank statements.
- Add to confirming order non-exempt proceeds from PI lawsuit to Trustee.
- Motion to Approve Settlement of personal Injury case Must be filed with in 14 days.
- The debtor has failed to file the required Pre-Confirmation Certification

Plan $520x60 100% plan with loan mod 6 months from confirmation
3/4 payments
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-12294 / CMGDarren M. Baldo, Esq.Order Vacate Dismissal of CaseIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 4 required payments   Arrears: $1,200.00
As of 7/16/25 (DS):

1. Trustee obj to the following:
- Must provide current CMA (comps provided were sold from 2023 and 2024. Zillow values $835,900) and 2024 Tax return.
- There is estimated non-exempt equity in the residence $139,260, using CMA provided, Zillow values $216,212. There is also non-exempt equity on the 2015 BMW $11,550 and bank accts $2,464.
- Add to confirming order Debtor to provide updated proof of income 6 months from confirming order. Per amended Sched I, Debtor and spouse are both seeking employment and increased compensation.
- Must file Pre-confirmation certification.

Prop Plan $1,200 x 36 begin 4/1/25; Base
Note: Updated homeowner insurance provided. Updated business income provided from 12/1/24-6/30/25 still does not verify $13,325, instead $11,903, which is fine.
Email InquiryMatter ResolvedRequest
Adjournment
1857/23/2025 10:00 am25-12504 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 4 required payments   Arrears: $1,459.00
issues as of 7/17/2025 (JMA)

1) Santander Bank (Eisenberg Gold) objection to confirmation - need to resolve
- objection to cram
- need to provide proof of insurance
2) Landlord, Husan 2021 Revokable Living Trust (Gorski Knowlton) objection to confirmation
- Debtor's Plan must provide for a prompt cure of the Lease arrears within the first twelve to eighteen months of the Plan, as well as maintaining regular monthly rent payments post-petition.
3) Trustee objection to confirmation - need to resolve
- The debtor has failed to file the required Pre-Confirmation Certification.
- Need to file a Modified Plan that completes Part 8.
- Need to resolve objection by Santander Bank.
- Need to resolve objection by Husan 2021 Revokable Living Trust. (landlord)
- Student loans will be paid outside of the plan.
- Vesting to occur at confirmation
- Trustee standard order of distribution.
4) The Hsuan 2021 Revocable Living Trust stay vacated 5/30/2025

proposed plan $728x46 0% plan
paid in $1453
arrears $1459
last claim 14-1
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-12534 / CMGFrancis P. Cullari, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 5 of 4 required payments   Arrears: $0
AS of 7/12/25(mk)- atty ok to terms

work up on plan #16

**CAN REC CONFIRM AT $1,012 .50 PTD Then $225 x 32 Begin 8/1/25 Base. Debtor to file change of address with in 30 days**



Stay Vacate on residential lease (Monroe 33 dev0 order #21- DEBTOR NEEDS TO FILE A CHANGE OF ADDRESS

plan $225x36 base plan
5/4 payments


---------------RESOLVED------------:
-Amended atty disclosure filed.
Trustee objection to confirmation - need to resolve
- need to provide proof of 2 months income for part time job at Great Adventure RESOLVED, PROVIDED PROOF OF INCOME
- Need to file Pre-Confirmation Certification with Court - FILED
With the addition of the Great Adventure income there is $717.83 disposable net income- BUT support is non Ct ordered so not consistent

Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-12575 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 7/14/25 (mk):emailed atty


1. Trustee's objection:
- need atty fee estimate for plan calculation.

- debtor is not paying all disposable income into plan. Trustee's calculations are higher due to Verified income leaves monthly disposable income of $1,654(even w/o the contrib. for expenses)


Plan proposes: $350 x 60 beginning 4/1/2025, base
Payments: 3/3

-------------------RESOLVED ISSUES-----------------------------
- There is 12,911 in NE equity in real property NO longer w/ UCC liens on prop
Objection filed by PennyMac Loan (Powers Kirn) - failure to cure arrears of $4,545.27. (RESOLVED - PAY PER POC)

- Need a statement for the spouse's 401k loan. (RECEIVED)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Business profit & loss statements (RECEIVED)
- Business forms: for Sweet Jackie's Cakes. (RECEIVED)
- A copy of the last filed tax return - for 2024 by 5/15/2025. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $12,911 in non exempt equity in the residence. (LANGUAGE ADDED)
- Need to resolve objection by PennyMac Loan Services. (RESOLVED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)
- trustee to receive non-exempt proceeds from any potential lawsuits (LANGUAGE ADDED)
- Per the 22C, monthly disposable income is $1,693 which requires a minimum dividend of
$101,580 to general unsecured creditors.(GO BY I & J)
The NJ Division of Taxation filed an estimated claim which needs to be amended. (APOC-0-)







Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-12700 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $5.00
As of 7/14/25(mk):


Single asset case.

1. Trustee objection:
- Verified income leaves monthly disposable income of $2,832.21. PLan payment proposed is only 305 per month.- should be at least 2,000 pending LM
-Plan provides a LM- has to pay arrears pending LM as only other person to pay is atty- WHAT IS STATUS OF LM
failed to file the required Pre-Confirmation Certification - NOT FILED TO DATE

plan $305x48 loan mod with 6 months 100%
4/4 payments


-------------RESOLVED--------------------------
- There is $152,943 in non-exempt equity in the residence. PER THE LIQUIDATION ANALYSIS THE NON-EXEMPT EQUITY IS $153,237.34>>PLAN IS 100%
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. LANG ADDED
Email InquiryMatter ResolvedRequest
Adjournment
1997/23/2025 10:00 am25-12807 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 7/15/2025 (at):

1. Objection filed by PNC Mortgage (Martone & Uhlmann) - failure to cure full arrears of $34,499.72 (Per POC). Plan proposes to pay $28,000. (UNRESOLVED)

2. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $99,381 and $20,712 in Provident Bank acct. (LANGUAGE ADDED)
- Must resolve creditor objection. (LISTED ABOVE)

Plan proposes: $613 x 60 beginning 4/1/2025, 100% plan
Payments: 3/4, arrears $613




Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-12824 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0
AS of 7/16/25(mk);

AS of now still waiting for add'l proof of expenses and to address issue of excess dispos income


As if 6/26/25 : Debtor atty requested adj atty is away and debtor has provided them additional expenses.

1. Trustee Objection:
- Disposable income verifies $2,327(From pay stubs)
- 22C RECALCULATED TO DEDUCT THE DIFFERENCE IN TAX CLAIMS AND DISPOSABLE INCOME WOULD BE $582.80 AND WOULD REQUIRE MIN. DIV. $34,968.
- Add to confirming order Distribution is per plan .
- Add to confirming order must file Pre-confirmation certification.
- Excessive expenses on Sched J: Home maintenance $400 and non-filing spouse expenses $3,300. Must provide proof of expenses 10 days prior to filing date.

Prop Plan $918 x 60 begin 4/1/25; Dollar Base $23,100

--------RESOLVED------------
Must provide 401(k) loan balance statement for Debtor and non-filing spouse. STATEMENT PROVIDED.

- 22C Line 30 has additional food/clothing $58 and Line 43 for additional commuting $250, also Line 45 has $385.17 disposable income, add back Line 30 $58 and Line 43 $250, would show disposable income $693.17, which would require min. div. $41,590 to gucs. 22C RECALCULATED TO DEDUCT THE DIFFERENCE IN TAX CLAIMS AND DISPOSABLE INCOME WOULD BE $582.80 AND WOULD REQUIRE MIN. DIV. $34,968.
Email InquiryMatter ResolvedRequest
Adjournment
1357/23/2025 10:00 am25-12826 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 4 required payments   Arrears: $2,700.00
As of 7/16/25 (DS): 1. Debtor in arrears $2,700, made 1 out of 4 payments, last payment $900 made 6/27/25.

2. MFR filed by Freedom Mtg, Debtor in post-pet arrears $8,954. Sched 7/23/25. Need outcome.

3. Trustee obj to the following:
- Must provide 2023 Tax return from spouse, 2024 Tax return for Debtor and spouse and Feb and March bank statements from TD Bank acct#1964.
- Excessive expenses on Sched J: $1,100 Food, $250 Personal care, $600 for health insurance and $1,300 Assistance for adult children. Must provide proof of excessive expenses 10 days prior to conf.
- Disposable income verifies $3,505.15, Tax refund not listed on Sched I.
- Need service to Capital One, Carlos Shipping and Timothy Steele Dadzie on motions in plan.
- Must resolve all creditors objections.
- Riverbend Townhouse filed a bifurcated claim which needs to be resolved.
- Need fee app 7 days from confirming order.
- Must file Pre-confirmation certification.

4. Wilmington Savings (BRIANE CAINE) obj to avoiding judgment lien in Plan. Must resolve.

5. Chris Alevras (PRO SE CREDITOR) obj to avoiding judgment lien and value of property being $500,000, POC filed as unsecured. Must resolve obj.

Prop Plan $500 x 2 begin 4/1/25; $1,800 x 58; Base
Note: Service to Wilmington and Alevras not needed, objections filed.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-12852 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $300.00
AS OF 7/11/2025 (at):

RECOMMEND: $900 PAID TO DATE, $446 x 56 BEGINNING 8/1/2025, 100% PLAN
- Preserve non exempt equity of $76,272 in real estate.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- 2 months (Feb & March) statements from Fan Duel acct listed on Sch B (RECEIVED)
- A Modified Plan that corrects Part 5a (MOD PLAN FILED)
- The current Plan does not specify treatment of Fig 20 LLC for $730.34 and US Dept of HUD under the Plan. (MOD PLAN LISTS CREDITORS)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $76,273 non-exempt equity in the residence. (LANGUAGE ADDED)
- LoanCare filed arrears claim $1,422.87 and Exeter Finance also filed arrears $1,426.34, both listed as outside, but need to be paid. (BOTH LISTED IN MODIFIED PLAN)

Modified plan before confirmation proposes: $300 x 8 beginning 4/1/2025, $430 x 52, 100% plan
Payments: 3/4, arrears $300
Email InquiryMatter ResolvedRequest
Adjournment
2067/23/2025 10:00 am25-12954 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $500.00
issues as of 7/17/2025 (JMA)

1. Trustee Objection:
- current plan does not treat time share.

Plan: $500 X 60 base
paid in $1,500
arrears $500
last claim 7-1

RESOLVED ISSUES:

- Need 2024 tax return - RESOLVED, 2024 RETURN PROVIDED, NO REFUND
- Need bank statements for January and February 2025 - RESOLVED, STATEMENTS PROVIDED
- Need copy-of the deed - commercial property in Belmar to see that title in name of LLC - RESOLVED, DEED FROM BROTHER TO GET M PROPERTIES LLC DATED 5/18/2001
-Need to provide Trustee with the 2025 Social Security Administration statement showing the current SS received. Statement provided from
2024 - RESOLVED, PROVIDED
Email InquiryMatter ResolvedRequest
Adjournment
2087/23/2025 10:00 am25-13041 / CMGAllen I. Gorski, Esq.Confirmation Hearing ScheduledContinued
9/3/2025 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0
As of 7/15/25 (DS): Debtor atty requested adj to allow time to hear appeal filed with NJ Appellate Division.

got insurance ok to adj

AR WAITNG FOR INSURANCE THEN OK TO ADJ TO 7-23
As of 5/8/25 (DS): 341 sched 5/15/25, will not be held, still missing docs: BUSINESS P/L 2 MTHS FOR JAN/FEB 2025, BUSINESS QUESTIONS FOR DAY TRADING, CMA FOR 57 BIRCH AVE, CMA, MTG STMT W/OUTSTANDING BAL) FOR 707 PERRINEVILLE RD, CMA/DEED/CURRENT HOMEOWNER INSUR FOR 665 ETRA RD.

>>Application filed to retain professional (realtor)to evaluate all 3 properties .

objections by Deutsche bank for Perryville RD prop.(RESOLVED w/ Order)
Email InquiryMatter ResolvedRequest
Adjournment
2097/23/2025 10:00 am25-13045 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $425.00
waiting for insurance on car then will adj

As of 5/16/25 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies -$535. Need E-wage.
- Must provide auto insurance, document provided expired. BINDER/APP PROVIDED 5/13/25, NOT INSURANCE
- Excessive expenses on Sched J: $2,861 Rent (need copy of the lease) and $713.46 Car payment.
- Must resolve IRS estimated tax claim, 2020-2024 not filed.
- Plan fails to provide for a prompt cure of rental arrears.
- Add to confirming order non-exempt proceeds from auto accident claim to Trustee.
- Plan list Self Lead and Austin Capital Bank as secured creditors, but does not attach any property to these creditors.

Prop Plan $300 x 2 begin 4/1/25; $425 x 58 begin 6/1/25; Dollar Base $7,363.78
Note: DSO Info form provided.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-13117 / CMGAndrew M. Carroll, Esq.Order Vacate Dismissal of CaseRecommend DismissalDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 7/15/2025 (at):

CASE PENDING SINCE 3/26/2025. NEED UPDATED CAR INSURANCE.

1. Objection filed by New Rez/Shellpoint (Hill Wallack) - failure to cure full arrears of $109,469.84 (Per Objection). Plan proposes to pay $106,024.76. (UNRESOLVED)

2. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor must provide updated proof of auto insurance for the 2007 Jeep. The policy provided expires on 7/14/25. (NOT RECEIVED)

RESOLVED ISSUES:
- 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)
- 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 $90,711 in non exempt equity in the residence. (LANGUAGE ADDED)
- The debtor has insufficient income. Verified income leaves monthly disposable income of $1,605.11. Debtor must sign up for e-wage. (LANGUAGE ADDED)
- Need to resolve objection by New Rez/Shellpoint. (LISTED ABOVE)

Plan proposes: $2,030 X 60 beginning 4/1/2025, 100% plan
Payments: 3/4, arrears $2,030
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-13221 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $962.00
AS OF 7/15/2025 (at):

1. Objection filed by SN Servicing/US Bank (Friedman Vartolo) - failure to cure arrears of $47,293.99 (Per POC). Plan proposes to pay $22,000. (UNRESOLVED)

Trustee's objection:
- The debtor has undertaken an improper use of exemption. Specifically:
- Schedule C over exempts d(5) by $5,283. D(1) full amount was taken, leaving $1,475 of d(5).

RESOLVED ISSUES:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2024. (RECEIVED)
- The debtor must provide updated proof of auto insurance for the 2004 Subaru and 2022 Honda .
The policy provided expires on 6/14/25. (RECEIVED)
- Wells Fargo bank acct statements from 2/19/25 - 3/28/25 and 2 month statements from PayPal acct prior to filing date. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $202,312, 2022 Honda $28,225, 2004 Subaru $3,000 and estimated in the Wells Fargo acct $12,439, pending bank statements. (LANGUAGE ADDED)
- Must file fee app within 7 days from confirming order. (LANGUAGE ADDED)
- Must resolve creditor objection. (LISTED ABOVE)

Plan proposes: $962 x 60 beginning 4/1/2025, 100% plan
Payments: 3/4, arrears $962
Email InquiryMatter ResolvedRequest
Adjournment
1467/23/2025 10:00 am25-13365 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0
issues as of 7/17/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor has failed to file the required Pre-Confirmation Certification - NOT FILED
- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income - from Debtor for April and May 2025. Only 1 pay stub provided for 3/28/25 and 2 for Jan. NOT PROVIDED TO DATE
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): 22C has disposable income $1,275.44, which would require a minimum dividend $76,526.40 to gucs.
- Disposable income verifies higher, not including Debtor income, verifies $1,071. Including Debtor income would verify even higher.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $5,880 when determining disposable income.
- Fee app within 7 days from confirming order.
- Need a certification from debtor as to her employment situation - NOT PROVIDED

proposed plan $500x60 base plan
paid in $2,000
last claim 8-1
Email InquiryMatter ResolvedRequest
Adjournment
1477/23/2025 10:00 am25-13379 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 4 required payments   Arrears: $0
as of 7/17/2025 (JMA)

ok to confirm at $134x60 base plan
-must file Pre-Confirmation Certification with Court within 10 days of confirmation

proposed plan $134x60 base plan
paid in $536
last claim 7-1
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-13515 / CMGWarren S. Jones, Jr., Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $183.00
AS OF 7/16/2025 (mk):

TR payment will need to increase to cover higher mtg claim - and taxes once resolved

Motion for prospective relief needs to be resolved

1. Objection filed by New Rez/Shellpoint (Hill Wallack) - failure to cure POC arrears of $106,714.72 Plan proposes to pay $98,695.37. (RESOLVED - PAY PER POC - NEED ORDER- add OTBS w/in 7 days to pay POC and resolve objection)

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

Plan proposes: $1,985.51 x 1 beginning 5/1/2025, $2,076.84 x 59, not less than $4,850.28 to unsecured creditors
Payments: almost 3/3

----------------RESOLVED--------------------------:
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2024 for Co-Debtor. (RECEIVED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Must serve Path Medical. (CERT OF SERVICE FILED)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in PNC Bank acct #8776 $5,726 and PNC Bank acct #3515 $170. (LANGUAGE ADDED)
- The debtor has insufficient income. Disposable income verifies $1,756. Will need E-wage. (LANGUAGE ADDED)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- Must resolve IRS estimated tax claim, 2020, 2021, 2022 and 2024 not filed. (NO LONGER ESTIMATED)
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-13558 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0
issues as of 7/17/2025 (JMA)

1) NewRez LLC d/b/a Shellpoint Mortgage Services (RASC) objection to confirmation - need to resolve
- Anticipated arrears claim to be filed in the amount of $10,743.85
2) Trustee objection to confirmation - need to resolve
- Need bank statements for March and February.
- 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 $175,164 non-exempt equity in the Monticelli Way property.
3) Need to file Pre-Confirmation Certification with Court - NOT FILED TO DATE
4) Financial Pacific Leasing filed claim 7-1 for 2013 Freightliner Truck in the amount of $17,826.44

proposed plan $3,170x60 base plan
paid in $9,510
last claim 12-1
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-13659 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $240.00
issues as of 7/17/2025 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income. Verified income leaves monthly disposable income of -$1,072.13.
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): A Modified Plan that steps up trustee payment by $1,340 in September 2025 when pension loan is paid off.
- The Plan fails to provide for a prompt cure of rental arrears. MODIFIED PLAN PAYS PRIORITY CLAIM AND
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution and does not provide for equal monthly payments as required by 1325(a)(5)(iii)(l).
- Must file Pre-Confirmation Certification with Court.

proposed plan $240x60 base plan
paid in $480
arrears $240
last claim 8-1
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-13733 / CMGKarina Pia Lucid, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0
issues as of 7/15/2025 (JMA)

1) Bridgecrest Credit Company LLC/Carvana LLC (2017 KIA Sorento Sport Utility) (McCalla Raymer) objection to confirmation - need to resolve
- Secured Creditor does not object to value, Secured creditor hereby requests that the Plan be modified to provide an interest rate of 9.50% to be paid over the 60 months of the Plan, and that Secured Creditor's lien shall not be released until the completion of the Plan and the entry of the Debtors' discharge order.
2) Bridgecrest Credit Company LLC/Carvana LLC (2016 Mazda 6 Sedan) (McCalla Raymer) objection to confirmation - need to resolve
- The petition balance outstanding to the Secured Creditor at the time of the Petition was $12,206.92. The plan provides for the Secured Creditor's claim at $5,059 at 0% interest, for total payout of $5,059.
- Secured Creditor hereby requests that the Plan be modified to provide for the fair market value of $7,690 with an interest rate of 9.50% for a total of $11,342.75 to be paid over the 60 months of the Plan, and that Secured Creditor's lien shall not be released until the completion of the Plan and entry of the Debtor's discharge order.
3) Trustee objection to confirmation - need to resolve
-- The debtor has insufficient income. After removing the disability income, the debtor is showing negative income.
- The debtor has failed to file a feasible plan - that is either cramming the two vehicles or is paying claims in full.
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income; 2 months bank statements from Cash App prior to filing date.
- A Modified Plan that adds all cramdowns to Section 4 AND Section 7 of the Plan.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Car payments $475 and $395 if paying through plan in full, must remove.
- The Plan provides for payment on
Email InquiryMatter ResolvedRequest
Adjournment
1637/23/2025 10:00 am25-13797 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $505.00
As of 6/4/25 (DS): 1. Trustee obj must provide 2024 Tax return.

2. Toyota (GAVIN STEWART) obj to cram of 2021 Toyota. Must resolve obj.

Prop Plan $505 x 60 begin 5/1/25; $0
Note: No service needed to Toyota, obj filed.
Email InquiryMatter ResolvedRequest
Adjournment
1687/23/2025 10:00 am25-13866 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $1,290.00
AS OF 7/15/2025 (at):

1. Objection filed by Nissan Motor (Stewart Legal) - failure to cure arrears of $1,365.62. Plan proposes to pay $0. (UNRESOLVED)

2. Trustee's objection:
- The debtor has failed to file a feasible plan - that propose a tier plan when Debtor pension loan $900 ends in month 15. (MODIFIED PLAN NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- 2 months bank statements from Financial Resources acct#3006, prior to filing date. (NOT RECEIVED)
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C over exempts d(5) by $741.

RESOLVED ISSUES:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $137,307, Financial Resources FCU acct#4343 $3,156, Financial Resources FCU acct#2116 $2,770 and pending statements from Financial Resources FCU acct#3006. (LANGUAGE ADDED)
- Fee app within 7 days from confirming order. (LANGUAGE ADDED)

Plan proposes: $2,390 x 60 beginning 5/1/2025, not less than $142,275 to unsecured creditors
Payments: almost 3/3, arrears $1,290
Email InquiryMatter ResolvedRequest
Adjournment
1697/23/2025 10:00 am25-13873 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
6/11: spouse lost job end of April so no pay stubs


As of 6/10/25 (DS): 1. Trustee obj to the following:
- Must provide proof of income from spouse for the month of May.
- Excessive expenses on Sched J: $715 & $797/month car payments and Life insurance $253 (LIFE INSURANCE APPLICATION W/PACIFIC LIFE DONE ONLINE SHOWS DEBTOR APPLIED FOR TERM LIFE INSURANCE ON 3/11/25 AND PAYMENT OF $342.54 WAS REQUIRED, BUT NO PROOF OF PAYMENT SHOWN. Must provide proof of expenses 10 days prior to filing date.
- Schedules fail to account for debtor's 2024 tax refund $5,269 when determining disposable income. Disposable income verifies $2,285.
- There is $30,562 in non-exempt equity in the residence.

2. Manufacturers & Traders Trust Co (PADGETT LAW GRP) obj to arrears owed, no POC filed. COTBS TO PAY ARREARS $3,508.86

Prop Plan $500 x 12 begin 5/1/25; $753 x 48; Dollar Base $38,000
Note: Updated homeowner insurance, 2024 Tax return, Life insurance is term and bank statements provided 6/10/25.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-14102 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 3 required payments   Arrears: $500.00
AS OF 7/15/2025 (at):

RECOMMEND: $1,000 PAID TO DATE, $643 x 46 BEGINNING 8/1/2025, 100% PLAN
- Preserve non exempt equity of $102,035 in real estate.

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):
- Excessive expenses on Schedule J $540 utilities; $688.80 telephone, cell phone, internet;
$420 transportation 1 person. Need to provide supporting documentation of excess expenses
no later than 10 days before confirmation hearing.

- Income verified higher than scheduled amount leaving disposable net income in the amount of
$2,754.30 using the proof of income provided. (100% PLAN)

Plan proposes: $500 x 60 beginning 5/1/2025, 100% to unsecured creditors
Payments: 2/3, arrears $500
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-14205 / CMGLaurence R. Sheller, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $1,950.00
AS OF 7/15/2025 (at):

1. Objection filed by Caribou Capital (Zeitz) - failure to cure full arrears of $82,830.24 (Per POC). Plan proposes to pay $63,000. (OBJECTION WITHDRAWN)

2. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the homeowner's insurance renewal declaration - that includes liability coverage. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $43,668 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $442 in non exempt equity in the bank account. (LANGUAGE ADDED)

Plan proposes: $1,300 x 60 beginning 5/1/2025, $100 to unsecured creditors
Payments: less than 2/3, arrears $1,950
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-14359 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 7/15/2025 (at):

RECOMMEND: $2,730 PAID TO DATE, $1,383 x 57 BEGINNING 8/1/2025, 100% PLAN
- 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 $5,235 in real estate.
- Need to file Pre-Confirmation Certification within 10 days of confirmation.

1. Objection filed by MCLP Asset (Padgett Law Group) - failure to cure full arrears of $31,122.74 (Per POC). (RESOLVED - PAY PER POC)

2. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Amendments to Schedules to include Fireman income (AMENDED I NOT FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Tele/cell/internet/cable $700 and Car payment $449 (Balance on car on Schedule D is $517
so the car should be paid off).
- The current Plan does not specify treatment of US Dept of Housing under the Plan.

RESOLVED ISSUES:
- 401(k) loan balance statement from spouse prior to filing date. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $5,235. (LANGUAGE ADDED)
- Fee app within 7 days from confirming order. (LANGUAGE ADDED)
- Must resolve creditor objection. (RESOLVED)

Plan proposes: $910 x 60 beginning 5/1/2025, 100% plan
Payments: 3/3


Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-14362 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 3 required payments   Arrears: $450.00
AS OF 7/15/2025 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/3, arrears $450
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-14412 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 3 required payments   Arrears: $73.00
AS OF 7/23/25 (SF) MP FILED AND SCHEDULED FOR 8/13/25


1. Motion for Relief by Cedar Story LLC, Landlord scheduled for 7/23/25 at 9

2. Motion to Expunge IRS proof of claim scheduled for 8/13/25 at 9

3. IRS filed estimated priority and unsecured claim 6-1 (NEED AMENDED CLAIM)

4. Trustee objection:

- Provide Chime Statement for April 2025
- The debtor has failed to provide proof of service with respect to Plan Motion(s). Prestige Financial Services (STILL NO SERVICE AND CREDITOR DID NOT FILE A CLAIM)



Plan proposes $475 x 60 0% Plan
No Payments: 2/3 Arrears $475

Email InquiryMatter ResolvedRequest
Adjournment
1497/23/2025 10:00 am25-14428 / CMGSteven J. Sico, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 3 required payments   Arrears: $460.00
as of 8/17/2025 (JMA)

OK TO CONFIRM AT $920 PAID TO DATE, $601X57 BEGIN 8/1/2025 BASE PLAN

issues as of 7/15/2025 (JMA)

1) Trustee objection to confirmation - need to resolve ALL ISSUES RESOLVED

proposed plan $460x60 base plan
paid in $920
arrears $460
last claim 8-1

RESOLVED ISSUES:

- The debtor has failed to supply the Trustee with the following document(s): Income contribution affidavit RESOLVED, PROVIDED
- Amendments to Schedules J to list the mortgage payment. RESOLVED, PER DEBTOR ATTY SCH J NOT AMENDED, THIS IS A REVERSE MORTGAGE
- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The Schedules fail to account for the debtor(s) tax refund in the amount of $7,805.00 when determining disposable income. (100% 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 $112,452 in non-exempt equity in the residence. REVERSE MORTGAGE CLAIM HIGHER THAN SCHEDULED AMOUNT, AS A RESULT THE NON-EXEMPT EQUITY DECREASED TO $81,982.05.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-14628 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $46.00
7/14/25( mk):email to atty-ok to terms
** CAN REC CONFIRM AT $306 PAID TO DATE, $180 x 58 BEGIN 8/1/2025 0% PLAN. Student Loans outside**


Plan $153x60 0% plan
2/2 payments


-----RESOLVED ISSUES----------
Are student loans outside plan? YES.

PennyMac Loan Services, LLC (Fein Such) objection to confirmation - need to resolve. - Total arrears due to secured creditor through the plan is estimated to be $6,371.02- Order submitted to pay arrears thru plan RESOLVED :Order submitted to pay arrears thru plan on #1

Trustee objection to confirmation - RESOLVED
- Need to provide Trustee with a copy of the homeowner's insurance renewal declaration - that includes liability coverage. RESOLVED, RENEWAL PROVIDED
- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-14707 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0
issues as of 7/15/2025 (JMA)

1) Trustee objection to confirmation hearing - need to resolve
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is $79,474.81 non-exempt equity in house
- There is $19,781 non-exempt equity in 2020 Honda Civic
- Total non-exempt equity $99,255.81 (the amount may change when claims are filed)

proposed plan $679x60 100% plan
paid in $1,358
last claim 16-1
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-14728 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 7/15/2025 (at):

1. One Main Financial filed a bifurcated claim #6 for a 2015 Chevy Equinox which is not listed in the plan. How is the debtor going to treat this claim?

2. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the homeowner's insurance renewal declaration - document provided fails to include effective coverage dates (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $95,787.49 non-exempt equity in house. (100% PLAN) (LANGUAGE ADDED)

Plan proposes: $1,500 x 60 beginning 6/1/2025, 100% plan
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-14734 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 6/25/25 (DS): Debtor atty requested adj to pass bar date

As of 6/23/25 (DS): Recommend waiting pass bar date 7/14/25 to allow all claims to be filed or confirm at $1,449 x 2 begin 6/1/25; $1,662 x 58 begin 8/1/25; Base with a min. div. $86,337 due to non-exempt equity

1. Trustee obj that there is non-exempt equity in the real property $65,878 and in bank acct $20,458 total $86,337.

Prop Plan $1,449 x 60 begin 6/1/25; Base
Note: Homeowner insurance provided and amended atty disclosure filed.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-14966 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $2,360.00
AS OF 7/15/2025 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for contributor. (only income is a contribution) (NOT RECEIVED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $122,145 in non-exempt equity in the residence. (LANGUAGE ADDED)

Plan proposes: $1,180 x 60 beginning 6/1/2025, base
Payments: 0/2, arrears $2,360
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-14981 / CMGDavid L. Stevens, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $1,500.00
As of 7/16/25 (DS): 1. Trustee obj to the following:
- Must provide copy of the homeowner's insurance with personal liability coverage for Alameda Drive property, not mortgage forced insurance.
- There is estimated non-exempt equity in the residence $137,207 (Pending all secured claims), $152,230 estimated in Washington Ave property (pending all claims filed) $11,020 in the boat and Harley and $4,229 in the Santander bank acct.
- Must resolve creditor objection.
- Must file fee app within 7 days from conf order.
- Must file Pre-confirmation certification.
- Add to confirming order non-exempt proceeds from sale of Alameda Dr to Trustee.

2. NewRez-Washington Ave (HILL WALLACK) obj to arrears owed $4,938.09, no POC filed. Must resolve obj.

Prop Plan $1,500 x 12 begin 6/1/25; Dollar Base $141,341.81 and Sale of Alameda Dr by 6 months post-conf
Note: IRS tax claim amended no longer estimated.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15008 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 7/15/25 (DS): 341 sched 7/17/25 11am

Prop Plan $2,500 x 60 begin 6/1/25; Base
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15022 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledPending - Work-up in ProcessDebtor has made 2 of 2 required payments   Arrears: $0
issues as of 7/15/2025 (JMA)

1) 341 scheduled for 7/17/2025, workup to be completed after hearing held
2) Order submitted resolving mtg objection. Terms= pay POC 55,904.79
3) Wilmington Savings Fund Society (KML) objection to confirmation - need to resolve
- Secured Creditor will file a secured proof of claim in the amount of $55,904.79
- Debtor's Plan understates the amount of the Secured Creditor's Claim and does not provide sufficient funding to pay said claim.

proposed plan $840.48x60 base plan
paid in $2,680.96
last claim 2-1
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15040 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 7/10/2025 (at):

RECOMMEND: $300 x 36 BEGINNING 6/1/2025, BASE
- Need to file Pre-Confirmation Certification within 7 days of confirmation.

Plan proposes: $300 x 36 beginning 6/1/2025, base
Payments: 1/2, arrears $300
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15050 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $3,095.00
As of 7/11/25 (DS): 341 not held 6/26/25, still missing many docs.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15054 / CMGJoseph Casello, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $1,000.00
AS OF 7/15/2025 (at):

1. 341 has not been held or rescheduled.
2. Payments: 1/2, arrears $1,000
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15067 / CMGHerbert B. Raymond, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0
As of 7/15/25 (DS): 1. Trustee obj that Debtor has insufficient income to pay Trustee payments (Trustee payment not made for July and that Debtor must provide proof of auto insurance, not billing statement.

2. SN Servicing (CHARLES WOHLRAB) obj to Debtor income insufficient. Plan is proposing a step-up $2,850, when Schedules show income $1,557.

Prop Plan $1,500 x 24 begin 6/1/25; $2,850 x 36; Base
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15139 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $1,000.00
AS OF 7/15/2025 (at):

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

2. The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)

3. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document(s):
- Business profit & loss statements (RECEIVED)
- Business forms:
- for Truppi LLC (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - policy provided expired
6/1/2025, need to provide renewal (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $39,817 in non exempt equity in the residence. (LANGUAGE ADDED)
- Need to provide supporting documentation for the non-filing spouse debt $700 /month. (RECEIVED)

Plan proposes: $1,000 x 18 beginning 6/1/2025, $2,150 x 42, 100% plan
Payments: 1/2, arrears $1,000
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15176 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0
issues as of 7/15/2025 (JMA)

1) Onyx Bay Trust (RASC) objection to confirmation - need to resolve
- the mortgage loan reaches its maturity date within the confines of the proposed bankruptcy period; therefore, the plan must treat the claim as total date.
2) Trustee objection to confirmation - need to resolve
- The debtor has failed to file the required Pre-Confirmation Certification. NOT FILED 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 the residence $187,541. THE IRS PRIORITY CLAIM REDUCES NON-EXEMPT EQUITY TO $181,252.25
- Must resolve creditor objection.

proposed plan $1,025x60 begin 6/1/2025 100% plan
paid in $2,050
last claim 9-1
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15179 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 7/15/2025 (at):

1. M&T Bank filed a bifurcated claim which needs to be resolved. $21,348.22 secured and $1.00 unsecured and arrears of $0. (UNRESOLVED)

2. Rocket Mortgage filed a secured arrears claim in the amount of $806.34 which is not listed in the plan. Are the debtors going to pay this claim?

3. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2024 (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - policy provided expired
5/17/2025 (RECEIVED)

Plan proposes: $368 x 36 beginning 6/1/2025, base
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15222 / CMGLawrence Morrison, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 2 of 2 required payments   Arrears: $0
As of 7/17/25 (DS): 341 will not be held 7/17/25, no docs provided.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15260 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0
As of 7/15/25 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies -$416. Need E-Wage.
- Must provide auto insurance for 2007 Freightliner.
- There is non-exempt equity Freightliner $15,000, 2024 Honda $4,642, 2022 Acura $2,014 and Coinbase $8,191 total $29,847.
- Add to confirming order must file fee app within 7 days from conf.
- Must file Pre-confirmation certification.

2. United Wholesale Mtg (MATTHEW FISSEL) obj to arrears owed, no POC filed.

Prop Plan $680 x 60 begin 6/1/25; Dollar Base $33,200
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15262 / CMGMelinda D. Middlebrooks, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 0 of 2 required payments   Arrears: $400.00
issues as of 7/15/2025 (JMA)

1) 341 not held, rescheduled for 7/31/2025
2) No Trustee plan payments to date, arrears $400

proposed plan $200x36 sale within 3 months 100% plan
paid in $0
arrears $400
last claim 1-1
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15277 / CMGStacey L. Mullen, Esq.Confirmation Hearing ScheduledContinued
8/13/2025 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $2,610.00
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15280 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 1 of 2 required payments   Arrears: $372.00
AS OF 7/11/2025 (at):

RECOMMEND: $372 x 45 BEGINNING 6/1/2025, BASE
- Debtor must sign up for e-wage within 10 days of confirmation.
- Need to file Pre-Confirmation Certification within 10 days of confirmation.

Trustee's objection:
- The debtor has insufficient income. Verified income leaves monthly disposable income of $108.36. Debtor must sign up for e-wage. (LANGUAGE ADDED)
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The Plan fails to provide for a prompt cure of rental arrears. (NO OBJECTION BY LANDLORD)

Plan proposes: $372 x 45 beginning 6/1/2025, $0 to unsecured creditors
Payments: 1/2, arrears $372
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15371 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 0 of 2 required payments   Arrears: $2,098.00
As of 7/11/25 (DS): 341 sched 7/31/25, no Trustee payments made, Debtor in arrears $2,098, made 0 out of 2. Must get current then submit confirmation adj
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15386 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $1,005.00
As of 7/15/25 (DS): 1. Trustee obj to the following:
- Must provide balance statement from ISP prior to filing date, loan deduction shown on Debtor's pay stub.
- Need service to Ansell Grimm, Dover Oil and NJ Man. Ins. Co. listed in plan motions.
- Must resolve AmeriCredit obj.

2. AmeriCredit (EISENBERG GOLD & AGRAWAL) obj to no adequate protection payments and should be given super priority and paid before Debtor atty fees

Prop Plan $1,005 x 60 begin 6/1/25; $0
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15448 / CMGBruce Radowitz, Esq.Confirmation Hearing ScheduledPending - Work-up in ProcessDebtor has made 2 of 2 required payments   Arrears: $0
issues as of 7/15/2025 (JMA)

1) 341 hearing scheduled for 7/24/2025 - need to request adjournment to allow 341 hearing to be held.

proposed plan $175x36 base plan
paid in $350
last claim 9-1
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15475 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $145.00
AS OF 7/15/2025 (at):

Trustee's objection:
- The debtor must provide proof of auto insurance for the 2006 Jeep. (RECEIVED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on Sensible Auto Finance. (CERT OF SERVICE NOT FILED)

Plan proposes: $145 x 36 beginning 6/1/2025, base
Payments: 1/2, arrears $145
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15562 / CMGEugene D. RothConfirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 1 of 2 required payments   Arrears: $180.00
As of 7/11/25 (DS): 341 needs to be adjourned, then once adjourned, submit conf adj
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15569 / CMGMark N. Glyptis, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $1,785.00
issues as of 7/15/2025 (JMA)

1) 341 Scheduled for 7/17/2025 - adjourned to 8/28/2025
2) IRS priority claim estimated for 2022 taxes
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15595 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0
issues as of 7/15/2025 (JMA) - need to adjourn confirmation hearing to allow 341 hearing to be held

1) 341 not held, rescheduled for 7/24/2025


proposed plan $669x60 minimum $32,290.48
paid in $1,338
last claim 6-1
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15702 / CMGPRO SEConfirmation Hearing ScheduledContinued
8/13/2025 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $1,000.00
mk: adj to 8/13 as that is enddate of Ct order for JCP &L service to prop.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 10:00 am25-15704 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $615.00
341 is scheduled for 7/17/2025.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 11:00 am25-15580 / MEHPRO SEOrder Show CauseJudge to Reserve DecisionFailure to Pay 1st Installment Payment of $100.00 and 2nd Installment Payment of $100.00.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 11:00 am25-16183 / MEHJohn P. Fazzio, Esq.Order Show CauseJudge to Reserve DecisionFailure to Meet Credit Counseling Requirements,Failure to File Missing Documents. Missing Documents: Ch. 13 Plan and Motions (LOCAL FORM) .
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 11:00 am25-16958 / MEHAdrian J. Johnson, Esq.Order Show CauseJudge to Reserve DecisionFailure to Comply with Local Rule 1006,Failure to File Missing Documents. Missing Documents: Summary of Assets/Liabilities and Stat Info, Declaration About An Individuals Scheds, Statement of Financial Affairs For Individuals, Statement of Your Current Monthly Income & Calc of Commitment Period(122C-1), Calculation of Your Disposable Income (122C-2) - If Applicable, Ch. 13 Plan and Motions (LOCAL FORM) and Schedules A/B,C,D,E/F,G,H,I&J.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 12:00 pm23-10265 / CMGRoger J. Yehl, Esq.Motion CompensationRecommend GrantingOK RESOLVED:

Trustee obj<< FEE APP
used old form of Cert in support.
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 12:00 pm23-16002 / CMGJustin M. Gillman, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 12:00 pm23-16267 / CMGJoseph Albanese, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 12:00 pm24-12925 / CMGKarina Pia Lucid, Esq.Motion CompensationRecommend Granting7/10/15(mk) TR cert of default was resolved w/ order entered7/2/25 so case will continue and attys fees added into that calculation.

>>NO CERT OF SERVICE WAS FILED W/ MOTION- filed 6/19 after tr objection- but no doc on pacer- asked atty to email it to me - Provided- ok

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

6/18/25(mk) as of now FOH 2,150.25. Fee app is for 2,669.44

>>NO CERT OF SERVICE WAS FILED W/ MOTION-
There is a TR cert of default and and MFR on 7/2/25. As long as case continues
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 12:00 pm25-11931 / CMGMarc C. Capone, Esq.Motion CompensationRecommend Granting
Email InquiryMatter ResolvedRequest
Adjournment
07/23/2025 2:00 pm24-21979 / CMGBarbara J. Snavely, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - ObjectionsObj<>MTN EXPUNGE POC OF IRS
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes