Judge Christine M. Gravelle
Hearing Date: 8/3/2022
Hearing Count: 135
Last Updated: 09-30-2022 06:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
18/3/2022 9:00 am16-32237 / CMGJeffrey H. Ward, Esq.Creditor Certification of DefaultMoot - DismissedTotal Paid In: $55,365.00
NFA
Debtor obj<> LYNX ASSET SVS/Taylor Rd (Alfieri)

TR arrears:2,385 as of 7/298/22. Last pay April 2022.

>>>MK: case was dismissed 7/29/22 on TR cert of default filed 7/14/22; Debtor never filed an objection to that-emailed atty 8/2/22--
Atty says if debtor has $ will file a motion to reinstate
Matter ResolvedRequest
Adjourment
28/3/2022 9:00 am18-12843 / CMGAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $22,489.00
PLAN NOT FEASIBLE/SUPP FEES & PP MTG ARREARS ADDED TO PLAN

NOW>> Order vacating Stay entered 7/20/22
Matter ResolvedRequest
Adjourment
38/3/2022 9:00 am18-14112 / CMGAndrew Thomas Archer Trustee Certification of DefaultTrustee OrderTotal Paid In: $8,630.00
mk: debtor sent payment- needs to post adj to 8/3/22

7/29/22(mk): payment posted. RECAP is $8,630 PTD, Then $340 x 8 Begin 8/1/22
case can continue at regular plan payment and will complete on time. Sign up for TFS- email to atty- OK to terms
-----------------

Debtor obj, proposing to pay<> ARREARS 1,700 as of 7/13/22.Last pay 4/1/22
>>Needs to make a payment before a Recap
100% plan
Matter ResolvedRequest
Adjourment
48/3/2022 9:00 am18-20544 / CMGSteven J. Abelson, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $144,628.00
Debtor obj<> US BANK (McCalla)
Matter ResolvedRequest
Adjourment
58/3/2022 9:00 am18-21437 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $38,494.00
Debtor obj, filing MP<>PENNYMAC LOAN (POWERS)
MK: order submitted 7/19/22: cure post pet arrears $4,131.83 thru plan
Matter ResolvedRequest
Adjourment
68/3/2022 9:00 am18-25697 / CMGLaurence R. Sheller, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Revised Order SubmittedTotal Paid In: $32,446.00
MOTION TO VACATE DISMISSAL


7/13/22:mk debtor cert says pd 3200 to Tr- BEING HELD IN SUSPENSE TILL MOTION IS GRANTED.

Need a recap for a revised Order vacating dismissal>>ATTY TO SUBMIT ORDER INLUDING RECAP TERMS $28,004 ptd; $3,200 lump sum by 8/15/22; $1,241 x 11 beg 9/1/22
Matter ResolvedRequest
Adjourment
78/3/2022 9:00 am18-27055 / CMGJames J. Cerbone, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $47,452.00
Debtor obj, made pymt, requests recap<> ARREARS $4,823 as of 7/29/22. made recent July payment

7/27/22Mk): Recap $45,863 PTD, Then $1,589 x 13 begin 8/1/22. Ewage- email to atty 7/28/22
Matter ResolvedRequest
Adjourment
88/3/2022 9:00 am18-29622 / CMGBRUCE H. LEVITTTrustee Certification of DefaultContinued
9/7/2022 9:00 am
Total Paid In: $85,827.00
As of 7/28922(mk): motion to reinstate the stay has been filed. TR arrears PD. Adj to 9/7/22 to make sure motion is granted

Debtor obj, will pay<> ARREARS 13,430 as of 6/7/22. last pay 2/1/22- ARREARS PAID.BUT...

>>-SV ORDER ENTERED 5/13/22 ON CREDITOR CERT OF DEFAULT. CASE NO LONGER FEASIBLE-
Matter ResolvedRequest
Adjourment
98/3/2022 9:00 am18-30156 / CMGSANTO BONANNO ESQMotion Relief from Stay (Fee)GrantedTotal Paid In: $54,012.00
US BANK NAT'L ASSOC/Hamilton Court (STERN LAVINTHAL)
Matter ResolvedRequest
Adjourment
108/3/2022 9:00 am18-33825 / CMGJOSEPH ALBANESE, ESQTrustee Certification of DefaultTrustee OrderTotal Paid In: $27,471.00
Debtor obj<> ARREARS $2,608 as of 7/28/22.
made a July payment.

Recap: $25,968 PTD, Then $720 x 17 begin 8/1/22. Debtors to sign up for TFS auto pay w/in 14 days. -email to atty
Matter ResolvedRequest
Adjourment
118/3/2022 9:00 am18-34500 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/17/2022 9:00 am
Total Paid In: $14,361.00
mk: waiting for 1,000 to post then rework

Debtor obj<> FAILED TO PAY PLAN BAL/PLAN EXPIRED; POC #8-1 FILED AFTER PLAN EXPIRED

7/29/22>>>so $13,361.30 PTD, Then $534 x 14 begin 8/1/22. Plan extended to total 60 mos.EWage

>MK:atty says debtor to pay 1,000 Friday- if Proof or posts, can rework the #s

Confirmed plan length was 40 mos. Now in Mo 41
Current plan balance $7,459. so plan would need to extend to total 60 mos. Plan has run 43 mos as of July
Matter ResolvedRequest
Adjourment
128/3/2022 9:00 am19-10868 / CMGWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $32,562.00
Debtor obj<> PHH/Gail Drive(RAS)
PER DEBTOR CURRENT
Matter ResolvedRequest
Adjourment
138/3/2022 9:00 am19-11017 / CMGGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $39,327.00
Debtor obj, can pay extra<>ARREARS $7,065 AS OF 7/29/22

Atty has proposal for increased payments and lump sum bonus- Proposal was $500 extra for August - Nov and then $5K in December with commission year-end bonus. Best he can do.

email to atty:
Recap:$38,427 ptd (42); $1,913 x 4 beg 8/1/22; $6,413 x 1 beg 12/1/22; $1,450 x 19 beg 1/1/23


plan length is already 66 mos per cares act

Matter ResolvedRequest
Adjourment
148/3/2022 9:00 am19-12380 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $48,668.00
Debtor obj, filing MP<>ARREARS 5,322 as of 8/2/22.
made a July payment

8/2/22 :UPDATED REcap:47,087 PTD, Then $1,581 x 18 Begin 9/1/22. TFS in 10 days-
Matter ResolvedRequest
Adjourment
158/3/2022 9:00 am19-13402 / CMGDAVID N. NIGRO, ESQUIREMotion Relief from Stay (Fee)WithdrawnTotal Paid In: $46,704.00
THE MONEY SOURCE/Rigg Road (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
168/3/2022 9:00 am19-20523 / CMGWarren Brumel, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $31,200.00
Debtor obj<> SANTANDER/2015 Toyota Venza ( Morton)
Matter ResolvedRequest
Adjourment
178/3/2022 9:00 am19-21696 / CMGEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $41,791.00
Debtor obj<> ARREARS $4,366.23

RECAP updated : is $38,990.29 Then 1,563 x 22 begin 9/1/22.
Debtor is already on TFS but needs ewage
Matter ResolvedRequest
Adjourment
188/3/2022 9:00 am19-27933 / CMGDavid S WaltzerMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/7/2022 9:00 am
Total Paid In: $54,915.00
7/21 amt: atty may request adj for time to resolve<<>>


FAILED TO ADDRESS IRS LATE FILED CLM #17-1
Matter ResolvedRequest
Adjourment
198/3/2022 9:00 am19-28834 / CMGWILLIAM G TAURIELLO ESQMotion Relief from Stay (Fee)Moot - DismissedTotal Paid In: $22,510.00
TOWER DB VIII TRUST / Azalea Drive (HONIG & GREENBERG)

MK: TR Cert filed7/18/22: Arrears as of August are $6,680
Matter ResolvedRequest
Adjourment
208/3/2022 9:00 am19-30386 / CMGPeter E. Zimnis, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $9,811.00
Debtor obj<>MIDFIRST BANK/ Melbourne Lane (KML)

7/26/22(mk): Order submitted. Terms=$7,804.75 in PP arrears to be added to plan MP w/ in 20 days.
Matter ResolvedRequest
Adjourment
218/3/2022 9:00 am19-30386 / CMGPeter E. Zimnis, Esq.Trustee Certification of DefaultContinued
8/17/2022 9:00 am
Total Paid In: $9,811.00
Debtor obj, will pay<> ARREARS

MK: atty is on vac 8/3/22
Matter ResolvedRequest
Adjourment
228/3/2022 9:00 am19-30782 / CMGPaola D. Vera, Esq.Creditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $32,100.00
Debtor obj<> ORIENTAL BANK (WUTSCHER)
Matter ResolvedRequest
Adjourment
238/3/2022 9:00 am19-32024 / CMGJoan Sirkis Warren Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $13,050.00
Debtor obj<>NEWREZ/SHELLPOINT- New Jersey Ave (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
248/3/2022 9:00 am19-32587 / CMGPRO SEMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $12,590.00
Debtor obj<>WELLS FARGO/Lehigh Rd (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
258/3/2022 9:00 am20-10419 / CMGSCOTT M WILHELM, ESQCertification of Counsel for Supplemental FeesGrantedTotal Paid In: $21,500.00
Trustee obj<>FEE APPLICATION

Mk: atty filed more docs at #45-47

>>>#46 is PPSED ORDER - ask Diane if this can be pulled of docket and entered
Matter ResolvedRequest
Adjourment
268/3/2022 9:00 am20-16483 / CMGWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $27,462.00
CT will enter limited stay order that allows debtor to continue to pursue financing(S.West to submit PPSED Order)

AR PER DEBTOR REFI COMMITMENT NEXT WEEK

Debtor obj<> GREGORY FUNDING/Saint Meena Avenue ( Pluese Becker)

Tr arrears. no payments for July & Aug.(arrears 1,960)
Matter ResolvedRequest
Adjourment
288/3/2022 9:00 am20-16946 / CMGRobert Manchel, Esq.Creditor Certification of DefaultContinued
9/7/2022 9:00 am
Total Paid In: $11,630.00
Debtor obj<> PNC/Butterworths Bogs Rd (Fein Such)
Matter ResolvedRequest
Adjourment
278/3/2022 9:00 am20-16946 / CMGRobert Manchel, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $11,630.00
Debtor obj. ARREARS $346 as of 8/1/22.

>Recap $15,169 Ptd Then $665 x 33 Begin 9/1/22



CREDITOR CERT OF DEFAULT ON 8/3/22
Matter ResolvedRequest
Adjourment
298/3/2022 9:00 am20-17105 / CMGRobert Stephen Casagrand, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnTotal Paid In: $17,393.00
MTN TO OBJECT TO LATE CLM 10-1 AND AMD 10-2

8/2/22(mk): email form debtor's- they are w/d the motion and will file a status change as the creditor has filed APOC #10-3
Matter ResolvedRequest
Adjourment
308/3/2022 9:00 am20-17231 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $9,086.00
Debtor obj<>MORTGAGEE, NJ HOUSING AND MTG FINC AGENCY (PLUESE, BECKER)

7/29/22(mk): email form creditor- mark OTBS
Matter ResolvedRequest
Adjourment
318/3/2022 9:00 am20-17526 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $26,590.00
7/29/22(mk)):Motion to Approve LM filed. obj deadline 8/1/22.


Debtor obj, pending final approval<>FAILED TO OBTAIN ORDER APPROVING LM WITHIN 30 DAYS OF 3/2/22 CONFIRMATION

Matter ResolvedRequest
Adjourment
328/3/2022 9:00 am20-18578 / CMGKarina Pia Lucid, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $8,720.00
Debtor obj<>LAKEVIEW LOAN/ Shawnee Trail (ROBERTSON, ANSCHUTZ)

Matter ResolvedRequest
Adjourment
338/3/2022 9:00 am20-20048 / CMGYakov Rudikh, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $20,634.00
ELIZABETH N.J FIREMEN'S FED CRED UNION/ Pinetree Drive (McKENNA, DuPONT)
Matter ResolvedRequest
Adjourment
348/3/2022 9:00 am20-20746 / CMGWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultGrantedTotal Paid In: $9,372.00
7/12/229mk): Order was submitted; debtor to be current on post pet in amt of 1,565.75 by 7/22/22. plus August payment of $526.80 due to creditor before todays hearing

THIS WILL NEED JUDGE

7/5/22(mk): voicemail from debtor requesting a return call. I returned the call- got her voicemail & mailbox full. unable to leave a message.
PHH SUPPORT/CERT OF DEFAULT - 5/18 HEARING WAS OTBS

>. supp cert filed by creditor- debtor objects
Matter ResolvedRequest
Adjourment
358/3/2022 9:00 am21-11242 / CMGKevin C. Fayette, EsqMotion Relief from Co-Debtor StayContinued
8/17/2022 9:00 am
Total Paid In: $9,948.00
Debtor obj<>BANK OF AM/Lillian Av (LOGS)

MK: working on CO


Matter ResolvedRequest
Adjourment
368/3/2022 9:00 am21-12347 / CMGAndre L. Kydala, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $29,700.00
ARREARS $18,460 as of 8/2/22
Matter ResolvedRequest
Adjourment
378/3/2022 9:00 am21-13008 / CMGAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/21/2022 9:00 am
Total Paid In: $31,149.00
8/2/22(mk) atty email - debtor acctant filing returns today-adj 9/21/22 NFA

Debtor obj<>FAILED TO ADDRESS IRS EST CM #1-2u BY 3/8/22(no returns for 2015 & 2016
Matter ResolvedRequest
Adjourment
388/3/2022 9:00 am21-15221 / CMGRussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/7/2022 9:00 am
Total Paid In: $6,842.00
Debtor obj<>PLAN NOT FEASIBLE DUE TO ORDER DOC #41 ADDING $17,409 TO THE PLAN; FAILED TO RESOLVE WOODBRIDGE TWP PER PLAN CLAIM FOR DELINQUENT TAXES/CREDITOR ADVISED THERE WAS A THIRD PARTY TAX SALE CERT
Matter ResolvedRequest
Adjourment
398/3/2022 9:00 am21-16626 / CMGPaul H. Young, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/7/2022 9:00 am
Total Paid In: $3,200.00
FAILED TO COMPLY WITH CONF PROVISION TO FILE ORDER BY 5/20/22 SETTING AMOUNT TO BE PD TO JP MORTAN


7/26/22:MK: adj uploaded; Filed motion to modify POC #4-1 - that needs to be heard first
Matter ResolvedRequest
Adjourment
408/3/2022 9:00 am21-17017 / CMGEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/21/2022 9:00 am
Total Paid In: $24,096.00
mk:adj to Sept- needs to move against IRS claim

7/27/2: only issue left is to resolve IRS estimated claim


Debtor obj<>FAILED TO FILE PRE CONF CERT BY 12/31/21; FAILED TO ADDRESS IRS EST CLM AND OLD BRIDGE PER PLAN CLM;

mk: per atty email - remove per plan old Bridge claim

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

FAILED TO PROVIDE TRUSTEE WITH 2020 TAX RETURN BY 12/31/21(mk:this was uploaded 5/26/22),

UPDATED POI BY 3/31/22, (Provided)
Matter ResolvedRequest
Adjourment
418/3/2022 9:00 am21-17104 / CMGLaurence R. Sheller, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $2,000.00
7/26/22(mk): atty says can't get the LM - let case go


Debtor obj<> FAILED TO LM BY 1/8/22

mk) atty email Loss mit extended to June 21, 2022

NEED STATUS ON LM- atty says bank reviewing Loss mit request- the LM package is incomplete-attached letter from Selene- debtor working
Matter ResolvedRequest
Adjourment
428/3/2022 9:00 am21-17232 / CMGDaniel E. Straffi, Esq.Motion Motion (Generic) - Only use if no other event is applicableOrder Previously Submitted
8/2/22(mk): Order submitted to Chambers today

MTN TO FILE LATE CLM & VACATE CONF. ORDER AND VACATE SALE ORDER

mk: Sale Motion was resolved w/ Creditor( D. Stevens rep) and revised order submitted

>>>7/3022(mk): D. Stevens( for creditor Barnes) has circulated a Consent order to debtor's counsel to resolve this motion<<

Matter ResolvedRequest
Adjourment
438/3/2022 9:00 am21-17232 / CMGDaniel E. Straffi, Esq.Order Shorten TimeRevised Order Submitted
7/29/22(mk): Parties have settled and revised order was submitted today.

7/18/22: Ct said can't allow sale over a creditor objection.


>>OST<<
Creditor, Barnes, obj ( Scura)<> SALE OF 19 PITNEY LN

MK: prior Order to sell entered in April. This is second motion for sale to same buyers but creditor N. Barnes "counsel is noticed on this sale motion.

PPSD Order has proceeds to TR.
sale K 800,000. No realtor only Sp .Counsel for closing & retention appl filed.

guc total claims $3,522.30 . case was confiemed at 100% BUT now Late Secured claim (J'ment for $485,206.01)filed by creditor Nicole Barnes
Matter ResolvedRequest
Adjourment
448/3/2022 9:00 am21-17242 / CMGSCOTT C PYFERMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $11,700.00
AMT: MP 8/3<< HR>>

Debtor obj<> FAILED TO LM BY 4/30/22; ARREARS- now current- 6/28/22: mk email to atty re: status of LM

Matter ResolvedRequest
Adjourment
458/3/2022 9:00 am21-17545 / CMGDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $1,488.00
AMT: MP 8/3<<>>HR

Debtor obj<>FAILED TO LM BY 5/31/22
Matter ResolvedRequest
Adjourment
468/3/2022 9:00 am21-18372 / CMGPRO SEMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Withdrawn
HOLD FOR NOON FOR JUDGE


Tr objection
Matter ResolvedRequest
Adjourment
478/3/2022 9:00 am21-19470 / CMGDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $2,360.00
>.MP ON HR

Debtor obj<>FAILED TO LM BYB 5/30/22; FAILED TO FILE PRE CONF CERT>



mk: MP(#32) filed on 8/3/22. ISSUES/OBJECTIONS
Extends deadline for lm
Matter ResolvedRequest
Adjourment
488/3/2022 9:00 am22-10167 / CMGRussell L. Low, Esq.Motion Relief from Stay (Fee)Continued
8/17/2022 9:00 am
Total Paid In: $1,200.00
Debtor obj<>HUNDAI/2019 Kia Forte (MORTON)
Matter ResolvedRequest
Adjourment
498/3/2022 9:00 am22-10331 / CMGJohn Zimnis, Esq.Motion Relief from Co-Debtor StayOrder Previously SubmittedTotal Paid In: $1,746.00
Debtor obj<>WELLS FARGO (POWERS)

8/2/22(mk): Order submitted today
Matter ResolvedRequest
Adjourment
508/3/2022 9:00 am22-10363 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $2,100.00
Debtor obj<>UMB BANK NAT'L ASSOC /Grand Central Pkwy (PARKER McCAY)

8/2/22(mk)email from B. Caine. OTBS- motion for Lm filed

5/31/22(mk)> Per B. Caine- debtor offered perm loan mod. need time for execution of docs and to filed motion

>> CONF(#72 on cal) on 8/3/22 REC Dismiss
Matter ResolvedRequest
Adjourment
518/3/2022 9:00 am22-10941 / CMGWilliam H. Oliver, Jr., Esq.Motion CompelGrantedTotal Paid In: $2,700.00
MTN TO COMPEL STATE OF NJ TO REINSTATE IFTA LICENSE
Matter ResolvedRequest
Adjourment
528/3/2022 9:00 am22-11147 / CMGDaniel E. Straffi, Esq.Motion Requesting RedactionGrantedTotal Paid In: $700.00
US BANK MTN REQUESTING REDACTION
Matter ResolvedRequest
Adjourment
538/3/2022 9:00 am22-13152 / CMGDaniel E. Straffi, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGranted
LOSS MIT
Matter ResolvedRequest
Adjourment
548/3/2022 9:00 am22-13186 / CMGJonathan Goldsmith-Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/7/2022 9:00 am
Total Paid In: $3,300.00
MP filed 8/2/22 and opp'n to Tr Motion

6/15 PLAN DENIED; FAILED TO FILE MP WITHIN 14 DAYS

8/2/22(mk): as of this morning, No MP filed.
Matter ResolvedRequest
Adjourment
558/3/2022 9:00 am22-13325 / CMGWilliam H. Oliver, Jr., Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $2,937.00
FIRST FINANCIAL FCU MTN TO FILE LATE CLM (McKenna)
Matter ResolvedRequest
Adjourment
568/3/2022 9:00 am22-13561 / CMGAndrew Thomas Archer Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
MOTION TO VACATE DISMISSAL

>>NEEDS NEW CONF DATE (mkae it 10/5/22)FOR ORDER AND debtor needs to get a NEW 341 DATE
-------------------

MK: case was dismissed on 7/6/22. no payments.
341 had a date of 7/14/22

>> TR Limited Obj.>NEED PROOF THAT ATTY IS HOLDING THE FUNS TO BE CURRENT. (8/2/22:attysent proof of june & july payments that he is sending in)
Matter ResolvedRequest
Adjourment
578/3/2022 9:00 am22-15140 / CMGMarc C. Capone, Esq.Motion Impose Automatic StayWithdrawn
MTN TO CONTINUE STAY

Tr Objection filed
Matter ResolvedRequest
Adjourment
588/3/2022 9:00 am22-15382 / CMGCamille J. Kassar, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO EXTEND STAY


TR Objection filed
Matter ResolvedRequest
Adjourment
598/3/2022 9:00 am22-15391 / CMGRobert C. Nisenson, Esq.Motion Impose Automatic StayGranted
MTN TO CONTIUE STAY

Trustee objection filed.
Matter ResolvedRequest
Adjourment
608/3/2022 9:00 am22-15488 / CMGJames J. Cerbone, Esq.Motion Impose Automatic StayGranted
MTN TO IMPOSE STAY
Matter ResolvedRequest
Adjourment
618/3/2022 9:00 am22-15545 / CMGRobert Cameron Legg, Esq.Order Shorten TimeGranted
>>OST<<

MTN TO EXTEND STAY UNSECURED/SECURED CREDS
Matter ResolvedRequest
Adjourment
628/3/2022 10:00 am17-16894 / CMGJohn Zimnis, Esq.Confirmation Hearing on Modified PlanContinued
8/17/2022 10:00 am
Debtor has made 7 of 65 required payments   Arrears: $2,356.00  Total Paid In: $22,811.00
8/3/22(mk): adj. to 8/17/22 for conduit order

7/21 workup for the 8/3 calendar EDC


Trustee objection:
**Needs dismissal or conduit. Accumulated over $26,000 in post petition mortgage arrears and 3 payments arrears to the trustee. Has had multiple trustee and creditor certs of default. No loan modification 5 years into case.

1) Creditor Cert of Default on for 6/15, Debtor filed opposition to Cert - CONSENT ORDER PAYING OVERDUE PAYMENTS TO CREDITOR OVER 24 MONTHS
2) Debtor has failed to make proposed payments of $300 beginning 4/1/2022 - arrears to the mp plan payments $900

proposed plan $21,403 paid to date, $300x25 begin 4/1/2022 base plan
paid in $21,403
22 months left in the 84 month plan
Matter ResolvedRequest
Adjourment
638/3/2022 10:00 am19-20882 / CMGANDREW J KELLY, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 182 of 40 required payments   Arrears: $0  
Total Paid In: $36,356.00
**CONF AT:
$35,756 paid then $200 x 28 beg 9/1/22 pro rata


mk: 8/2/22: bk statments for soc sec there and 2021 tax return. debtor unemployed- receives 562 p/w- use this amt.

7/25 workup for the 8/3 calendar EDC

-Lowering trustee payments

Trustee objection:
--Need updated proof of income from all sources
--Need latest tax returns for 2021
--Need amended schedules I & J (attached to plan but need to be filed as separate schedules). (mk filed)

proposes $200 X 29 BEG 8/2022; BASE

Matter ResolvedRequest
Adjourment
08/3/2022 10:00 am19-30037 / RG Bruce C. Truesdale, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTotal Paid In: $110,759.00
<>

MTN TO CONF STAY AND VALIDATE FILING OF FORECLOSURE COMPLAINT NUNC PRO TUNC
Matter ResolvedRequest
Adjourment
648/3/2022 10:00 am20-13570 / CMGTAMIKA N. WYCHE, ESQ.Confirmation Hearing ScheduledContinued
9/7/2022 10:00 am
Debtor has made 26 of 30 required payments   Arrears: $0  
Total Paid In: $30,059.00
ISSUES AS OF 7/29/2022 (DM): email to Tamika that I need a Certification

***If debtor's counsel can provide foreclosure document on Trenton property, then to cure the arrears in the plan, WE NEED TO CONFIRM AT $28,848 PTD, THEN $1,211 x 32 STARTING 8/1/22, $30,000 MINIMUM DIVIDEND***

1) Need document showing that City of Trenton is foreclosing on Breunig Ave property in Trenton (Zillow value at $10,000) that debtor is surrendering in the MP (UNRESOLVED).


Confirmed Case: $4,908 Ptd, $1,140 x 55 start 9/1/20, $30,000 Min Div
Prop. MP: Ptd, $1,140 x 33 start 7/1/22, $30,000
PTD = $28,848
Last Claim (8-6) dated 6/8/21
Matter ResolvedRequest
Adjourment
658/3/2022 10:00 am20-16955 / CMGS DANIEL HUTCHISON ESQConfirmation Hearing ScheduledDismissedDebtor has made 20 of 28 required payments   Arrears: $3,478.00  Total Paid In: $9,212.00
ns second call

7/21 workup for the 8/3 calendar EDC

* Trustee obj:
-The debtors have $2570 in arrears that must be added to the $197 payment. This would increase payment to $453 x 10 remaining months or we could extend to $302 x 15 remaining or $251 x 18 remaining. What does counsel want to do ?

MP $670 X 2; $454 X 11; $197 X 23; BASE

Matter ResolvedRequest
Adjourment
668/3/2022 10:00 am20-23038 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
8/17/2022 10:00 am
Debtor has made 15 of 22 required payments   Arrears: $0  
Total Paid In: $21,395.00
mk: adj to 8/3 peremptory NFA

ISSUES AS OF 6/22/2022 (DM): documents requested in connection with adjournment processed on 5/31/22 have not been received.

 5/31/2022 (JMA): Debtor was receiving sick pay of 60% of his wages, for the first two months after surgery. This was offered by employer. No longer receiving - need updated proof of income, amended Schedules I & J and 2021 tax return - ok to adjourn to allow for updated documents.

1) MP proposes $455.99 treatment to Chrysler Capital for post-petition arrears on 2018 Dodge Durango - need amended claim or consent order (UNRESOLVED).

2) Need to provide 2020/2021 tax return (PROVIDED 2020 TAX RETURN).

3) Debtor's income verified higher $3,906 than scheduled $3,009.

4) Co-debtor's income verified higher $5,819 than scheduled $5,586.

5) Due to higher income verification there is disposable income of $1,868 - this does not support the MP seeking reduction of plan payments to $635.

6) Terms of the proposed MP are inaccurate as they propose to pay $635x60. The plan is in month 16, with 44 months to go - should be money paid to date with new plan amount going forward.

7) Need supplemental fee app for $2,000 in additional fees in the MP.


Confirmed Case: $4,080 Ptd, $1,430 x 55 start 5/1/21, $63,208 Min Div
Prop. MP: Ptd, $635 x 46 start 2/1/22, Base
PTD = $19,490
Last Claim (8-2) dated 2/15/21
Matter ResolvedRequest
Adjourment
678/3/2022 10:00 am21-13774 / CMGLaurence R. Sheller, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 9 of 16 required payments   Arrears: $79.00  Total Paid In: $4,894.00
AS OF 7/28/2022 (at):

RECOMMEND: $3,944 PAID TO DATE, $510 x 46 BEGINNING 8/1/2022, BASE

MP proposes: $475 X 49 beginning 6/1/2022, base
Arrears: $1,289
(to include the property insurance that mortgagee was required to pay due to delinquency)
Matter ResolvedRequest
Adjourment
688/3/2022 10:00 am21-17242 / CMGSCOTT C PYFERConfirmation Hearing ScheduledConfirmedDebtor has made 12 of 12 required payments   Arrears: $0  
Total Paid In: $11,700.00
AS of 7/26/22(mk):

**CAN REC CONFIRM AT 9,750 PTD, THEN $975 x 50 begin 8/1/22 100% STUDENT LOANS OUTSIDE**


MP proposes $975 X 60 BEG 10/2021; 100%
removes LM and now a cure plan

Prev confirmed at:$975 X 60 BEG 10/2021; 100%
Plan has run 10 mos and 50 remain
Matter ResolvedRequest
Adjourment
698/3/2022 10:00 am21-17545 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 12 of 12 required payments   Arrears: $248.00  Total Paid In: $1,488.00
AS of 7/29/22(mk): Updated

**CAN REC CONFIRM AT $1,488 PTD, Then $124 x 38, Begin 8/1/22: 100%. Preserve equity T/H of 1,000. Loan Mod on Brotherhood St by 12/30/22. TR is authorized to pay arrears to New Rez pending LM**


1.Trustee Issue:
Per prior conf Tr was paying arears pending LM- are we still doing Plan looks like no pay arrears- ARE YOU NOT PAYING ARREARS PENDING LM?(mk_ per atty pay arrears pending LM
AND prior plan was 100% MP Base- but there are no gucs


MP Proposes:$124 X 60 BEG 10/2021; (72 BROTHERHOOD ST by 12/30/22); BASE. Plan extends LM date

Prev. confirmed at $124 X 48 BEGIN 10/1/21; 100% (MIN $1,000 TO GUCS DUE TO NE EQUITY); ATTY $0/$4750
PP
LM W/NEW REZ BY 5/31/22
PAY PENDING LM
COTBS W/NEW REZ ADDING $2,473.42 IN POST-PETITION ARREARS TO BE PAID THRU PLAN W/IN 30 DAYS OF ENTRY OF CONF ORDER
Matter ResolvedRequest
Adjourment
708/3/2022 10:00 am21-18826 / CMGBrian F. O'Malley Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 6 required payments   Arrears: $70.00  Total Paid In: $2,095.00
7/26 workup for the 8/3 calendar EDC

**CAN CONFIRM AT $1215 PAID THEN 475 X 56 BEG 8/1/22 PRO RATA WITH MIN OF $22,390 TO UNSECURED CREDITORS --TRUSTEE TO PAY CHASE AND NATIONSTAR CLAIMS

-converted from 7 due to value of home

-The mortgages filed small claims of $50 or less. We will pay unless attorney says otherwise

Trustee objection RESOLVED PER AGREE CONF NUMBERS EDC

---Verified income leaves monthly disposable income of $1,257.59.
---The Schedules fail to account for the debtor(s) tax refund in the amount of $3,919.00
when determining disposable income.
---There is $9,775.71 in non exempt equity in the residence using debtor numbers but zillow has minimum value of $249,000 with max of $292,000. If we use minimum there is $22,390 in equity
---There is $2,050 in non exempt equity in the TD Bank account.
---There is $953 in non exempt equity in the 2008 Ford.
---Need to file Pre-Confirmation Certification.
---Need a statement for the (2) 401k loans.--ATT UPDATED, ONE LOAN ENDS IN 16 MONTHS AND ADDS $100 TO THE INCOME AT THAT TIME. THE OTHER DOCUMENT IS CUTOFF SO I CANT SEE THE DATES. THIS NEEDS TO BE RESUBMITTED
---Need a statement for the "loan deduction" on his pay stubs. SEE ABOVE

proposes : $405 X 60 BEG 5/2022; MIN $20,723

-------------------------
RESOLVED:
---Need proof of insurance for the 2008 Ford.(OK))
---The attorney's fees in the plan and disclosure statement do not agree. One of these must
be amended.
Matter ResolvedRequest
Adjourment
718/3/2022 10:00 am21-19470 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 8 of 9 required payments   Arrears: $0  
Total Paid In: $2,360.00
8/1/22(mk):


**CAN REC CONFIRM AT $1,770 PTD, Then $295 x 52 Begin 9/1/22;100%(Preserve Equity T/H of $22,297 Due to Equity in real Property. LM on Hampden Ct. by 11/1/22. TR is authorized to pay Wilmington arrears claim #2-1 pending LM. COTBS Resolving Wilmington Obection w/in 30 days.
Tr is authorized to Pay Ajax Mtg arrears claim #3-1 $70.81. Low base pending LM**


--atty email- 100% case. trying to resolve #1-attyy says COTBS -TERMS= LM w/in 90 days Tr to pay arrears pending L M

AS of 7/26/22(mk):

1. Objection by Fay Servicing(Freidman V):
Plan fails to cure arrears (101,084.30)
Plan fails to set forth correct moly payment going forward.

2. Trustee Objection;(PER ATTY PAY 100%
Prior plan was confirmed at 100%, This plan is a base- needs to be 100% there is T/h equity of $22,297 GUC total $126.35


MP Proposes:$295 X 60; (119 S. HAMPDEN CT); BASE
LM on Hampton Ct by 12/30/22
Plan has run 7 mos and 53 remain
plan filed to extend LM period

Prev. confirmed:$1,180 PTD (5 MOS) $295 X 55 BEG 6/1/22 ; 100% PRESERVE EQUITY T/H OF $22,297 IN REAL PROPERTY ; ATTY FEE $2,463/$4,750 ; LOAN MOD W/ WILMINGTON BY 5/30/22 (DO NOT PAY ARREARS PENDING LM) ; OK TO PAY NIP CLAIM 3-1 ; PRE-CONF CERT TO BE FILED W/IN 10 DAYS OF CONF ; PP
Matter ResolvedRequest
Adjourment
728/3/2022 10:00 am22-10078 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
9/7/2022 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $0  

Mk: Convert or Dismiss- move creditro motion on 8/17/2 to 9/7/22

RECOMMEND DISMISSAL WITHOUT PREJUDICE TO REFILE UNDER NEW 109(E) DEBT LIMTS

mk:adj 8/3/22-to object to POC- Resolve or Dismiss- NFA

ISSUES AS OF 6/23/22 (DM): Amended POC (8-2) filed on 6/16/22 by Michael & Aldora Thompson that adds a $2,137,500 unsecured claim - this case no longer qualifies for Chapter 13 - RECOMMEND DISMISSAL.

 5/13/22: If obj resolved with creditor Thompson and okay to pay their claim, then we need to confirm at $4,292 Ptd, then $1,348 x 56 starting 6/1/22, 100% Plan with a minimum of $146,862 due to non-exempt equity - Ok to pay IRS claim (4-1) - Within 7 days must file Pre-confirmation certificate - Debtor to provide 2021 tax return no later than 5/31/22.

1) IRS filed $851.29 priority claim not treated in the plan OKAY TO PAY? - Yes).

2) Michael & Aldora Thompson (GIORDANO HALLERAN) obj to feasibility of plan and if Debtor can make payments. Supplemental obj filed - failure to disclose additional income from 2 other people residing with Debtor and not including high medical expenses. Wishes to contest matter and conduct limited discovery regarding income and expenses.

3) Trustee OBJ:
- There is non-exempt equity in bank accts $24,042.77 and real property $122,819.49 total $146,862.26 (100% PLAN).
- Need 2021 tax return (RECEIVED).
- Need to file Pre-confirmation certificate (FILED).

Note: Both obj with Wells Fargo was resolved by consent orders.


Prop Plan $1,073 x 60, 100%
PTD 6/6 = $6,438
Last Claim (8-2)
Matter ResolvedRequest
Adjourment
738/3/2022 10:00 am22-10363 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 8 required payments   Arrears: $300.00  Total Paid In: $2,100.00
MK: READ TERRMS ON RECORD

ISSUES AS OF 7/28/2022 (DM): Updated 8/2/22

***Motion to Approve Loan Mod filed 7/29/22. If $600 ePay (screenshot uploaded) clears by Wednesday, THEN TRUSTEE CAN RECOMMEND CONFIRMATION AT $300 x 60 starting 2/1/22, Base Plan, no payment or reserve by Trustee on US Bank POC (5-1) as loan modification has been offered***

 5/12 - email to atty to resolve obj so this can be confirmed.

1) UMB Bank/Rushmore (Parker McCay) OBJs - $90,128.31 arrears (UNRESOLVED).

2) Trustee OBJ:
- Debtor has insufficient income.
- Need auto insurance renewal - policy expired 2/22/22 (RECEIVED).
- Tax refund of $917 was not prorated and included in disposable income (MOOT).
- Need Nov & Dec statements for Wells Fargo account ending #3938 (RECEIVED).
- Petition states the debtors business closed 12/29/2021 - in the process of dissolving the business, with tools of trade valued at $1,000 - need itemization/values (RECEIVED).
- Need updated Sch I and proof of income when spouse gets a job (LANGUAGE ADDED).
- Need to provide 2021 tax return (RECEIVED - $4,449 - $3,511 TAX REFUND).


Prop. Plan $300 x 60, Base
- Refi of Grand Central Parkway by 2/1/23
- or Loan Mod of Grand Central Parkway by 7/1/22
PTD 4/6 = $1,200
Last Claim (6-1)
Matter ResolvedRequest
Adjourment
748/3/2022 10:00 am22-10540 / CMGJohn F. Bracaglia, Jr., Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 164 of 8 required payments   Arrears: $0  

mk: MP in 14 days for short payoff on Mtg- getting $ from relative- has $ in Dornier Re entity- need bank statement for that entity.Follow up - atty uploaded docs afternoon of 8/3/22


ISSUES AS OF 7/28/2022 (DM): Ray Lebron advises that debtor does not qualify for a Loan Mod. Options available are short sale or Deed in Lieu. THIS PLAN NO LONGER APPEARS FEASIBLE EVEN WITH THE UNDOCUMENTED $150,000 THAT MAY BE IN THE ATTORNEY TRUST ACCOUNT - RECOMMEND DISMISSAL.

 7/20/22(mk) atty was a NS at conf. per Ar we adjourned it

***Case needs to be 100% based upon $551 filed unsecured claims. Need consent order with US Bank resolving confirmation objection and confirming the adequate protection amount the Trustee is paying***

1) Select Portfolio/US Bank (FEIN) OBJs - failure to cure arrears of $613,752.41 (per POC) and 1 year from confirmation to obtain a Loan Mod is too long (UNRESOLVED).

2) Trustee OBJ:
* Part 1e of the plan provides "prior to confirmation, debtor shall deposit to attorney's trust account $150,000 to be paid to the mortgage lender upon approval of a loan modification agreement." What is the source of this income? Not listed on bank statement - need explanation (UNRESOLVED).
* Need CMA - doc provided fails to include comps from the area (UNRESOLVED).

***CAN RESOLVE ISSUES BELOW BY PAYING 100% TO $551 UNSECURED CLAIMS FILED***

- Form 122c fails to report income from the business the debtor owns - only shows draw which has not been supported with proof (CAN RESOLVE BY PAYING 100% TO $551 UNSECURED CLAIMS FILED).
- Excessive Expenses - Sch J: $400 home maintenance (allowed $200), $525 utilities,
$495 life insurance (need to provide statement), $350 health insurance (need to provide
statement), $705 car payment. Need proof of expenses 10 days prior to confirmation (CAN RESOLVE BY PAYING 100% TO $551 UNSECURED CLAIMS FILED).
- Business income from P&L statement not reported on Sch I - there is
$3,500 in rent paid from business to de
Matter ResolvedRequest
Adjourment
758/3/2022 10:00 am22-10579 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 4 of 8 required payments   Arrears: $0  

8/2/22 (sf) - Per atty ok to dismiss/hold fees. Fee app scheduled for 9/7

7/27 workup for the 8/3 calendar EDC
same issues as last time

* 2 payments arrears--trystee cert has been filed

* Application to extend loss mit denied

* Trustee objection to confirmation:
- Need to provide Trustee with a current market analysis - document provided does not indicate sale date of comps
- Need to provide Trustee with a copy of the last filed tax return - 2021 tax return on or by 5/31/2022
- The debtor(s) is not paying all disposable income into the plan - the Trustee's calculations are higher for the following reason (s): income verified higher $6,593.48 than scheduled $4,354.73 amount leaving disposable income of $3,473.
- The Schedules fail to account for the debtor (s) tax refund in the amount of $4168 when determining disposable income.
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need certification form debtor explaining the extra wage income

proposed plan $750x36 base with loan mod 7/1/2022
paid in $2,250
arrears $750
last claim 5
--------------------------------
RESOLVED
1) Need to file Pre Confirmation Certification with Court-DONE
Matter ResolvedRequest
Adjourment
768/3/2022 10:00 am22-10941 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
9/7/2022 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $28.00  Total Paid In: $2,700.00
mk; NFA

7/27 workup for the 8/3 calendar EDC

Adj last time to resolve NJ and get appraisal for vehicle--status update? (mk: working on this)

-motion to reinstate license on for 8/3/22- granted

1. Objection filed by Capital One Auto Finance (Mester & Schwartz) - creditor values 2015 BMW at $19,650 and wants the cram paid with interest at 4.25% for a total of $21,846.35 to be paid through the plan. (UNRESOLVED)

2. NJ Division of Taxation filed an estimated priority claim #10 which needs to be resolved/amended. (STILL ESTIMATED)(mk: uploaded 2021 return - shows refund and sent that to IRS- should have APOC shortly)

-------------------
RESOLVED ISSUES:
Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2021 return provided by 5/31/2022 (RECIEVED)
- Need to address the estimated claim filed by the IRS including possible
non-dischargeable unsecured tax claims based upon the recent Chapter 7 discharge. (NO LONGER ESTIMATED)

MP before confirmation proposes: $375 x 57 beginning 5/1/2022,$ 0 to unsecured creditors
Payments: 3/4, arrears $150
Matter ResolvedRequest
Adjourment
778/3/2022 10:00 am22-10972 / CMGDonald F. Campbell, Jr., Esq.Confirmation Hearing on Modified PlanContinued
9/7/2022 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0  

ADJ TO 9/7/22 PEREMPTORY

AS OF 7/5/2022 (at):

1. Modified plan proposes a loan mod but no date for completion of same. Needs to be amended.

2. Objection filed by US Bank (Romano Garubo) - plan proposes to pay arrears of $13,019.14. Arrears per the proof of claim are $62,876.97. (UNRESOLVED)

3. Objection filed by Shrewsbury Woods Condo Association (Cutolo Barros) - failure to cure arrears of $68,188.54. Bifurcated claim $51,440.39 secured and $16,748.15 unsecured. Plan is silent as to this creditor. (UNRESOLVED)

4. Trustee's objection:
- The debtor has insufficient income.
- The debtor has failed to file a feasible plan
The debtor has failed to supply the Trustee with the following document (s):
- 2nd mortgage balance statement, or award letter for state sponsored program, prior to filing date. (NOT RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $5,211 when determining disposable income. (AVERAGED/ADDED TO INCOME)
The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need service on LVNV funding for motion to avoid lien. (CERT OF SERVICE NOT FILED)
- Must file Pre-confirmation certificate. (NOT FILED)
- Updated proof of income from Debtor and non-filing spouse and file amended Schedule I. (NEED UPDATED INCOME FOR DEBTOR STILL)
- Debtor's attorney must file a fee applicNation within 7 days of the entry of the order confirming the plan (LANGUAGE ADDED)

MP before confirmation proposes: $250 x 60 beginning 3/1/2022, loan mod by ????, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
788/3/2022 10:00 am22-11034 / CMGJose R. Torres Confirmation Hearing on Modified PlanDismissedDebtor has made 6 of 7 required payments   Arrears: $0  

NS on second call


7/27 workup for the 8/3 calendar EDC

MP on 8/3/22--proposes $660.34 X 60 BEG 3/2022; BASE (doc 26)

*Trustee obj to the following:

--- Disposable income verifies $274.32, This income is insufficient to pay per Plan $660.34.
--- mod plan removes mortgage for Deutsche (2nd)and does not propose what to do with $20,028.63 claim. (plan amount is enough to pay this. Are we paying? )
--- Need updated to co-debtor's employment status.

* US Bank-1st mortgage obj to MP (ROBERTSON, ANSCHUTZ, SCHNEID) that plan does not provide treatment of mortgage, arrears possibly owed $183.07 per POC filed.

* Deutsche Bank/Indymac-2nd mortgage (ROBERTSON, ANSCHUTZ, SCHNEID) cram removed but does not propose payment of arrears

*MP does not include Chase. Are we paying outside? Pay outside unless attorney says otherwise EDC

----------------------RESOLVED:
--- Need a mod plan that selects one classification for paying unsecured creditors (DONE
--- Debtor has undertaken an improper use of exemption. Specifically: Co-debtor cannot use the D1 exemption as the debtor is the only one on the Deed.( THIS IS OK. NO EQUITY BUT WE CAN STRIKE CO-DEBTOR EXEMPTION FROM SCHEDULE C IN CONFIRMEING ORDER)
--- Amendments to Schedule I to remove required repayment of retirement loan $422.22, there is no loan on pay stubs.(DONE)
--- Debtor has undertaken an
--- Need current market analysis with comparables within 6 months of filing date.(DONE)
- Must file Pre-confirmation certificate.(DONE)
- Need 2021 tax return, if not filed Debtors to provide no later then 5/31/22.(DONE)
* Need clarification of 2nd mortgage. Schedule J list payment $600, plan is cramming, done improperly, if cramming to $0, need to remove expense on Schedule J. (filed MP)

Prop Plan $660.34 x 6; $750 x 54; Base
Matter ResolvedRequest
Adjourment
798/3/2022 10:00 am22-11327 / CMGAdrian Johnson, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 7 of 7 required payments   Arrears: $0  

8/3/22(mk): LM was denied. now wants to cure. MP w/in 14 days.

7/28/22:mk: adj request incorrectly uploaded as request to adj motion. debtor does not have consent to adj conf. We are in month 5. ADJ. DENIED. must appear and explain why issues are not resolved

7/27 workup for the 8/3 calendar EDC

**) Fay Servicing LLC/Wilmington Trust (Friedman Vartolo) objection to confirmation - need to resolve
-approximate arrears $131,303.72(LOSS MIT ORDER -LM BY 8/15/22)

**) Trustee objection to confirmation - need to resolve
-- Verified income leaves monthly disposable income of $1,545.15.
--- Certification regarding the household contributions of the adult children (ages 24 & 27) and why they are not contributing to the household.
--Explanation of 4/14 letter sent to us stating debtor is only collecting Social Security. The schedules and proofs show pension also. What is the amount of Social Security? Why is it not on schedule I?
--- Need to file Pre Confirmation Certification.
-- Debtor must provide proof that the Trustee was added as Loss Payee to all motor vehicle and real estate insurance polices based upon vesting at discharge of the confirming order must provide for vesting at confirmation


proposed plan $300x60 100% plan with loan mod by 7/20/2022
paid in $1200
last claim 15
---------------
RESOLVED:
- A current market analysis - with comparable sales within the last 6 months. RESOLVED, PROVIDED
- A copy of the last filed tax return - 2021 by 5/31/2022. PROVIDED TO DATE
Matter ResolvedRequest
Adjourment
808/3/2022 10:00 am22-11426 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledMoot - DismissedDebtor has made 4 of 7 required payments   Arrears: $0  

Dismissed on 6/15/22 by Trustee Cert of Default

AS OF 6/7/2022 (at):

1. 341 has not been held or rescheduled.
2. Payments: 4/4

no docs submitted for 341
Matter ResolvedRequest
Adjourment
818/3/2022 10:00 am22-11561 / CMGBruce C. Truesdale, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 12 of 7 required payments   Arrears: $0  
Total Paid In: $1,850.00
ISSUES AS OF 7/29/2022 (DM): updated 8/2/22

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $1,550 PTD, THEN $150 x 31 STARTING 8/1/22, BASE PLAN***

1) Trustee OBJ:
- Need 2021 tax return (RECEIVED).
- Excessive Expense Sch J: $609 car payment.
- Income verified higher ($5,268) than scheduled ($5,110) resulting in $501 of monthly disposable income (PARENT & FIANCE CONTRIBUTION).
- Add two subordinate mortgages to plan (MP TREATS MORTGAGES).
- Add all child support obligations (NOTHING ADDED TO MP - CHILD SUPPORT COMING DIRECTLY OUT OF PAY CHECKS).
- Need DSO forms (RECEIVED).


Prop. Plan $1,400 Ptd, $150 x 32 start 7/1/22, Base
PTD 5/5 = $1,550
Last Claim (18-1)
Matter ResolvedRequest
Adjourment
828/3/2022 10:00 am22-11841 / CMGJONI L GRAY, ESQConfirmation Hearing ScheduledWithdrawnDebtor has made 13 of 6 required payments   Arrears: $500.00  
MP filed is on for 8/17 EDC

AS OF 6/13/2022 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - with comparatives used to value property. CMA provided is dated 1/28/20. (NOT RECEIVED)
- A copy of the last filed tax return - for 2021 no later than 5/31/22. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Car payment $1,000 and additional car warranty $200.
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 Central Jersey bank acct, and One United Bank savings acct (pending updated documents and amended Sch. B & C).
- Need 2 months bank statements from Central Jersey P&F FCU and One United Bank savings prior to filing date. (NOT RECEIVED)
- Add to confirming order non-exempt proceeds from any personal injury lawsuits to Trustee. (LANGUAGE ADDED)
- Must resolve IRS estimated claim. (STILL ESTIMATED)
- Pre-confirmation certificate. (NOT FILED)

RESOLVED:
- A copy of the homeowner's insurance renewal declaration - insurance set to expire on 5/10/22. (RECEIVED)

Plan proposes: $1,785 x 60 beginning 4/1/2022, base
Payments: 2/3, arrears $1,785
Matter ResolvedRequest
Adjourment
838/3/2022 10:00 am22-12011 / CMGDavid E. Shaver, Esq.Confirmation Hearing ScheduledContinued
9/21/2022 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $800.00  
As of 7/29/22 (DS): Debtor attorney requested adjournment, 341 sched 8/11/22
Matter ResolvedRequest
Adjourment
848/3/2022 10:00 am22-12120 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 6 required payments   Arrears: $1,187.00  Total Paid In: $2,780.00
issues as of 7/28/2022 (JMA)

TO CONFIRM NEED $2,085 PAID TO DATE, $941X56 BEGIN 8/1/2022 100% DUE TO NON-EXEMPT EQUITY IN HOUSE AND REAL PROPERTY
-DISTRIBUTION IS PER PLAN
-MUST FILE PRE CONFIRMATION CERTIFICATION WITHIN 10 DAYS OF CONFIRMATION


1) Not current with Trustee plan payments, arrears $695
2) Lakeview Loan Servicing (Schiller, Knapp) objection to confirmation - RESOLVED, 7/28/2022
-arrears $36,549.41
3) Trustee objection to confirmation - need to resolve
- Updated auto insurance (insurance expired 2/10/2022) NOT PROVIDED
- the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is non-exempt equity in real property $78,776.53, 2018 Toyota $15,300 and Wells Fargo checking acct $200.50 total $94,277.
- Must resolve creditor objection. RESOLVED
- Must file Pre-confirmation certificate. NEED TO FILE WITHIN 10 DAYS OF CONFIRMATION
- distribution is per plan ADD NOTE TO CONFIRMATION TERMS

proposed plan $695x60 begin 4/1/2022 100%
paid in $2085
arrears $695
last claim 3
Matter ResolvedRequest
Adjourment
858/3/2022 10:00 am22-12394 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
9/7/2022 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

ISSUES AS OF 7/29/2022 (DM):

***Debtor needs $851 x 56 to pay $39,325 non-exempt equity in real estate***

1) JPMorgan Chase filed $687.84 arrears claim on mortgage (OKAY TO PAY??)

2) Wells Fargo filed POC (7-1) for items purchased from Value City Furniture -claim is secured for $929.90 and unsecured for $143.87 - claim is not treated in the plan (OKAY TO PAY??)

3) Trustee OBJ:
- There is $47,392 non-exempt equity in real estate (ADJUSTED TO $39,325 BASED UPON $340,000 CMA UPLOADED BY DEBTOR AND MORTGAGE POC FILED FOR $219,067).

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need to file Pre-Confirmation Certification (FILED).
- Need 2021 tax returns (RECEIVED).
- Need auto insurance for 2014 Mazda (RECEIVED).
- Need updated mortgage statement (POC FILED).
- Need a MP that removes attorney fees to be paid $3,000 or amend Attorney Disclosure to mark off will pay through plan (FILED AMENDED ATTORNEY DISCLOSURE).
- Excessive Expenses: Tele/Cell/Internet/Cable $550, Food $900 and Medical $500 (MOOT DUE TO SSI).
- Tax refund of $760 was not prorated and included in disposable income calculation (MOOT DUE TO SSI).


Prop. Plan $300 x 36, Base
PTD 4/4 = $1,200
Last Claim (40-1)
Matter ResolvedRequest
Adjourment
868/3/2022 10:00 am22-12415 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledContinued
8/17/2022 10:00 am
Debtor has made 2 of 6 required payments   Arrears: $0  

mk: adj 2 weeks - DEBTOR MUST BE CURRENT

As of 7/29/22 (DS): 1. Debtor in arrears $1,932. made 2 out of 4 payments, last payment $966 made 6/2/22.

2. Trustee obj to the following:
- 22C-2 Line 34 improperly deducts arrears being paid through plan for both mortgages totaling $5,071.38. Plan specifically states that no arrears to be paid to creditors as they are seeking loan modifications to resolve the arrears. There is $3,441 on Line 45 which requires minimum $206,460 dividend to gucs, may be 100% plan.
- Must amend Schedule A/B, C and D to add Timeshare Westin Lagunamar Ocean Resort, Cancun, Mexico. Debtor provided a value for, but was not listed on Schedules.
- There is $59,612 non-exempt equity in 4 timeshares. there may be additional non-exempt equity if the Cancun timeshare is owned by Debtor.
- Must resolve creditor objections.
- Must file Pre-confirmation certificate with Court.

3. SLS/MEB (FRENKEL, LAMBERT, WEISS) obj to plan not paying arrears and loan mod.

4. NewRez/Shellpoint (ROBERTSON, ANSCHUTZ, CRANE) obj to arrears not paid and loan mod.

5. IRS filed estimated tax claim, 2019 and 2020 tax return not filed. Claim must be resolved.

6. State of NJ filed estimated tax claim priority unsecured 2019-2021 tax return not filed and secured claim, not in plan $14,678.28 not in plan to pay. Claim must be resolved.

Prop Plan $966 x 60 begin 4/20/22; Dollar Base $33,670 and Loan mod on Allaire Ave by 9/27/22
Matter ResolvedRequest
Adjourment
878/3/2022 10:00 am22-12427 / CMGJohn Michael McDonnell, Esq.Confirmation Hearing ScheduledContinued
9/7/2022 10:00 am
Debtor has made 7 of 6 required payments   Arrears: $0  

mk: 30 day adj. to list RE and see whgere we are on the sale of RE

AS OF 7/26/2022 (at):

1. Objection filed by Wells Fargo Bank (Brock & Scott) - plan does not address arrears of $51,597.89 and sale is speculative. Creditor wants listing agreement and/or contract for sale.

2. Objection filed by US Bank (Pincus Law Group) - mortgage matured on May 1, 2018 and must be paid in full through the plan. Total debt claim is $95,849.11.

3. Objection filed by NG Solutions LLC (Saldutti Law Group) - plan is silent as to this secured claim in the amount of $238,859.56.(mk: debtro atty said they do recognize this as a secured debt

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Income contribution affidavit (NOT RECEIVED)
- Amendments to Schedules for missing secured creditors (NOT AMENDED)
- The current Plan does not specify treatment of Wells Fargo, Citizens Bank, NG Solutions, US Bank Trust/Fay Servicing and Toyota under the Plan. (MOD PLAN NOT FILED)
- Must file Pre-confirmation certificate. (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 real property $132,740, Bank of America checking acct
$1,823 and pending in savings acct, once bank statements are provided. (LANGUAGE ADDED)
- Case needs to be 100% to gucs, due to non-exempt equity. (LANGUAGE ADDED)
- Add to confirming order non-exempt proceeds from sale of real property to Trustee and
non-exempt proceeds from lawsuit to Trustee. (LANGUAGE ADDED)
- A copy of the homeowner's insurance renewal declaration - with liability coverage (RECEIVED)
- A Modified Plan that removes attorney fees to be paid through plan or amend attorney disclosure to pay attorney fees. (AMENDED ATTORNEY DISCLOSURE FILED)

Plan proposes: $100 x 36 beginning 5/1/2022, sale of Carroll Drive by 9/2023, base
Matter ResolvedRequest
Adjourment
888/3/2022 10:00 am22-12445 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 6 required payments   Arrears: $0  
Total Paid In: $4,139.00
As of 8/2/22 (DS): Recommend confirming at $2,500 paid, $1,639 x 55 begin 9/1/22; 100% with a minimum of $57,575 to gucs, due to non-exempt equity.
- Loan mod on Manhattan Ave by 8/30/22 (Per order dkt#19, 90 days from 6/1/22 order), arrears to be paid pending loan mod.
- Student loans to be treated outside.
- Section 3a to be stricken as to US Bank Cust for Act Lien and not paid.

1. BELOW ISSUES REMAIN UNRESOLVED.

Mk: student loans outside; current home insurance provided.

6/1/22 (DS): 1. Trustee obj to the following:
- Need 2021 tax return. PROVIDED 8/2/22.
- Need a mod plan that pays student loans outside of the plan and pays a dividend to unsecured creditors. Loan mod plans cannot pay $0 to unsecured creditors. Case needs to be a Base to gucs. Plan has student loans to be paid 100% through plan.
- Excessive expenses on Sched J such as: $800 children's education and $1,451 student loans. Plan list to pay student loans. Need proof of excessive expenses 10 days prior to confirmation.
- Schedules fail to account for the debtors 2020 tax refund in the amount of $5,232 when determining disposable income. - 2021 tax return
- There is $57,575 in non-exempt equity in the vehicles.

2. Bank of NY Mellon (McCalla Raymer Leibert Pierce) obj to arrears more and loan mod. Obj must be resolved. Order for loss mit granted 6/1/22, loan mod to be done by 8/30/22.

3. Bar date has passed 6/6/22, no claim has been filed by US Bank Cust for Act Lien. Is this to be stricken?

Prop Plan $500 x 12 begin 4/1/22; $1,250 x 4; 0% and Loan mod on Manhattan Ave by 9/1/2022
Matter ResolvedRequest
Adjourment
898/3/2022 10:00 am22-12496 / CMGPRO SEOrder Vacate Dismissal of Case - ConfirmationConfirmedDebtor has made 3 of 6 required payments   Arrears: $1,200.00  Total Paid In: $1,200.00
issues as of 7/29/2022 (JMA)

TRUSTEE RECOMMENDS CONFIRMATION AT $400X36 BEGIN 4/1/2022 BASE PLAN
-VERIZON WIRELESS TO BE PAID AS UNSECURED AND RECEIVE PRO RATA DIVIDEND
-PRE CONFIRMATION CERTIFICATION TO BE FILED WITH COURT WITHIN 10 DAYS OF CONFIRMATION

1) Trustee objection to confirmation - need to resolve
- 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). - ORDER OF DISTRIBUTION IS TO BE TRUSTEE STANDARD ORDER
- Need to file Pre-Confirmation Certification.
2) Plan treats Verizon Wireless as arrears of $184 to be cured through plan, creditor filed an unsecured claim in the amount of $1,504.47 - LEASE ASSUMED, SHOULD BE TREATED AS UNSECURED CLAIM AND RECEIVE PRO RATA DIVIDEND
Matter ResolvedRequest
Adjourment
908/3/2022 10:00 am22-12630 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $1,924.00
ISSUES AS OF 7/29/2022 (DM): Updated 8/1/22

***TRUSTEE RECOMMENDS CONFIRMATION AT $308 x 36 STARTING 4/1/22, BASE PLAN, LOAN MOD WITH WILIMNINGTON SAVINGS BY 8/6/22 OR AS EXTENDED BY LOSS MIT ORDER, NO PAYMENT OR RESERVE BY THE TRUSTEE PENDING THE LOAN MOD; TRUSTEE IS AUTHORIZED TO PAY OMNI EYE CARE SECURED POC (1-1) IN THE AMOUNT OF $3,928.72; TRUSTEE STANDARD ORDER OF DISTRIBUTION***

1) Select Portfolio (FEIN) OBJs - $28,305.03 arrears (CONSENT ORDER SUBMITTED - LM by 8/6/22 or as extended by Loss Mit).

2) Omni Eye Care filed secured judgment POC (1-1) in the amount of $3,928.72 not treated in the plan (PER ATTY, OKAY TO PAY).

3) Trustee OBJ:
- Need 2021 tax return (RECEIVED).
- Need updated homeowner's insurance - policy provided expired 5/1/22 (RECEIVED).
- Order of Distribution departs from standard (ATTY AGREES TO TRUSTEE STANDARD ORDER OF DISTRIBUTION).
- Need to file Pre-Confirmation Certification (FILED).


Prop. Plan $308 x 36, Base, Loan Mod by ??
PTD 4/5 = $1,308
Last Claim (2-2)
Matter ResolvedRequest
Adjourment
918/3/2022 10:00 am22-12645 / CMGEric ClaymanConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $0  
Total Paid In: $1,593.00
AS OF 7/28/2022 (at):

RECOMMEND: $825 PAID TO DATE, $384 x 45 BEGINNING 8/1/2022, LOAN MOD BY 10/3/2022, 100% WITH A MINIMUM OF $3,571 TO UNSECURED CREDITORS
Claim #3 filed by Loramark Capital will be paid through the plan
Low base pending loan modification.


1. Objection filed by Carrington Mortgage (Stern Lavinthal) - plan proposes to pay $0 towards pre-petition arrears of $117,214.44 (Per POC). (PER DEBTOR'S ATTORNEY - COTBS - DO NOT PAY ARREARS PENDING LOAN MOD - DEBTOR HAS 60 DAYS TO OBTAIN A LOAN MODIFICATION)

2. Loramark Capital (taxes) filed a secured arrears claim #3 in the amount of $403.75 which is not in the plan. Is it ok to pay this claim? (PER ATTORNEY - PAY THIS CLAIM)


RESOLVED ISSUES:
- Need proof of insurance for the 2012 Harley. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $7,169.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- Need to file Pre-Confirmation Certification. (FILED)
- Need February and March bank statements for PNC accounts #4821 and #4848. (RECEIVED)
- Need statement for the Acorn stock account. (RECEIVED)
- There is $3,571 in non exempt equity in the PNC bank accounts. (LANGUAGE ADDED)
The debtor has failed to supply the Trustee with the following document (s):
- Domestic Support Obligation information (RECEIVED)
- Need to resolve objection by Carrington Mortgage/Bank of America. (RESOLVED)

Plan proposes: $275 x 36 beginning 5/1/2022, loan modification by 12/31/2022, 100% to unsecured creditors
Payments: 3/3
Matter ResolvedRequest
Adjourment
928/3/2022 10:00 am22-12647 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledContinued
8/17/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

7/26 workup for the 8/3 calendar EDC

**per 7/20/22: MK Debtor is going to sell. Need listing agreement(uploaded 7/28/22) and retentions w/ in 2 weeks, was this done?(yes retention app filed 7/29/22

1. Objection filed by Wilmington Savings (Gross Polowy) - failure to cure arrears of $179,484.64 (Per POC).

2. Trustee's objection:
- Wilmington Savings Fund Society, FSB objection to confirmation, pre petition arrears $1,550.87 (ARREARS ARE $179,484.64 PER THE PROOF OF CLAIM)

Plan proposes: $150 x 60 beginning 5/1/2022, sale of residence by 10/1/2022, 0% to unsecured creditors (NO CLAIMS FILED AND BAR DATE HAS PASSED)
Payments: 3/3

--------------------------
RESOLVED ISSUES:
- need pre conf cert. (FILED)

The debtor's Plan proposes an order of distribution that is contrary to the Trustee's
recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)
- mortgage payment is more than half the net income (SALE PLAN)
Matter ResolvedRequest
Adjourment
938/3/2022 10:00 am22-12711 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 2 of 5 required payments   Arrears: $0  

8/2/22(mk): email from atty- no cooperation from debtor. V.Nelson- Dismiss/hold fees

As of 7/29/22 (DS): 1. Trustee obj to the following:
- No 341 hearing for Vincent Nelson, Debtor. Co-Debtor only appeared to 341 on 7/7/22.
- Debtor has insufficient income, disposable income verifies $370.78.
- Need auto insurance for 2015 Ford Fusion (none provided, insurance that was provided does not show this vehicle) and lease/proof of rent for Debtor who resides at North 12th St.
- Must resolve IRS estimated tax claim, 2019 tax return being examined, amount of claim is $24,153.13. Is Trustee ok to pay or will claim be amended?
- Must file Pre-confirmation certificate.
- Add to confirming order non-exempt proceeds from sale of Madison Ave to Trustee.

2. Ally Capital filed bifurcated claim for 2013 Cadillac XTS not in plan or schedules B, D and J and no auto insurance provided. Arrears $5,222.19, secured $16,725, unsecured $2,797.26. Vehicle financed 11/27/17 by both Debtors. Must resolve claim.

Prop Plan $518 x 60 begin 5/1/22; Base and Sale of Madison Ave by 10/31/22, plus NE proceeds from sale
Matter ResolvedRequest
Adjourment
948/3/2022 10:00 am22-12915 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
9/7/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

As of 7/22/22(mk)

**PLAN DOES NOT APPEAR TO BE FEASIBLE*

>>NEED CURRENT HOME INSURANCE W/ PERSONAL LIABILITY- what was provided was forced place and has expired

1. Objection by New York Bank (McCalla):
-109(e) issue. Plan fails to pay full arrears amt.

2.IRS POC- Fixed secured at $81,008.89 and ESTIMATED Priority at $22,295.14- No Returns for 2020 and 2021-General unsecured is fixed at $222,361.18.
PLAN FAILS TO ADRESS IRS AT ALL

3. Trustee Objection:
-need proof of current home insurance
renewal declaration - that includes liability
coverage. Policy expired 6/17/2022.
- Need a statement for the spouse's 401k
loan.
-Verified income leaves monthly disposable
income of $4,065.00.
-There is $8,467 in non exempt equity in the
bank accounts. (Preserve T/h)

------------
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$700/month for utilities
$650/month for cable/internet/phone
$408/month for medial
$780/month for car insurance
4 car payments ($230, $330, $310 and $326)
$1,750/month to help daughter in school
Need proof of excessive expenses 10 days prior to confirmation(IF PLAN IS CONFIRMED AT 100%= OK - tR RESERVES RT TO OBJECT IF PLAN IS MODIFIED TO LESS THAN 100%


Plan:$500 X 60 BEG 5/2022; LM BY 12/31/2022 (10 LIVINGTON CT); 100%
3/3 payments
bar date: passed
Matter ResolvedRequest
Adjourment
958/3/2022 10:00 am22-12925 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
9/7/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 8/1/2022 (at):

1. Objection filed by Lakeview Loan Servicing (Robertson Anschutz) - failure to cure arrears of $50,857.10 (Per POC)

2. Need to resolve the estimated claims filed by the IRS and NJ Division of Taxation.

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Need updated income for co-debtor's normal summer job at Blue Collar Catering. (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):
- The proof of income provided shows approximately $300 more in monthly income.
- Proposed plan is a loan modification plan so it cannot pay $0 to unsecured creditors.

Plan proposes: $362 x 60 beginning 5/1/2022, loan modification within 6 months of confirmation, $0 to unsecured creditors
Payments: 3/3
Matter ResolvedRequest
Adjourment
968/3/2022 10:00 am22-12972 / CMGWARREN LEVY, ESQ.Confirmation Hearing ScheduledContinued
9/7/2022 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $0  
Total Paid In: $12,209.00
mk{ will be 100% plan due to NE equity. see mk notes below

issues as of 7/29/2022 (JMA)

1) Wilmington Savings Fund Society (Romano Garubo) objection to confirmation - need to resolve
-arrears $113,545.78- MK: PER ATTY-_ YES PAY
2) Trustee objection to confirmation - need to resolve
- Business forms - need to provide ADP report of employee wages, not attached to P &L ADP REPORT OF EMPLOYEE WAGES NOT PROVIDED(mk: uploaded to 13 docs pay roll report
- Need to provide Trustee with a copy of the last filed tax return - 2021 personal return NOT PROVIDED-mk: on extension til Oct 15 2022- per ar ok to work up w/ retruns by 11/30/22).
- Need to provide Trustee with a statement for whole life cash surrender value. DOCUMENT PROVIDED DOES NOT SHOW CASH SURRENDER VALUE-( MK;cash value is same as accumulation value- go w/ that)
- 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): Total Income verified higher (9,318) than scheduled (7,804) resulting is disposable income of $3,908
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S. C. ? 1325(a)(4): as of now, there is $134,873.21 of equity in real property. Also, according to schedules, equity in the following assets: BMW: $3240; Jewelry $48,125; Cash $68,525. TOTAL NON EXEMPT EQUITY $254,763.21, 100% PLAN
- Need to file Pre Confirmation Certification with Court NOT FILED TO DATE
- Wilmington Savings Fund Society (Romano Garubo) objection to confirmation - need to resolve
- Plan proposed as a base- needs to cover the equity threshold once established. DUE TO NON EXEMPT EQUITY $254,763.21 MUST BE 100% PLAN

proposed plan $2,220x39x60 base plan
paid in $6,661.17
last claim 3
Matter ResolvedRequest
Adjourment
978/3/2022 10:00 am22-12982 / CMGDavid G. Beslow, Esq.Confirmation Hearing on Modified PlanContinued
9/21/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 7/25/22 (SF) Adj request denied unless debtor becomes current prior to the conf hearing.(mk deboro signed up for TFSD)


1. Objection filed by SN Servicing Corp/US Bank Trust (Jonathan Schwalb) - failure to pay arrears of $796,677.85 and fails to correctly provide for regular mtg payments in the amount of $5448.86 and speculative loan mod. (LOSS MIT ORDER EXPIRES ON 7/27/22) NEED STATUS LOAN MOD.(mk: atty waiting for docs to be reviewed by servicer)

2. IRS filed secured claim 1-3 in the amount of $30,108.92 which is not addressed in plan (OK TO PAY?) PLAN IS NO LONGER FEASIBLE. WILL NEED TO INCREASE PAYMENT TO $1577 GOING FORWARD.

3. State of NJ filed secured claim 9-1 in the amount of $4593.41 which is not addressed in plan (OK TO PAY?)

4. Trustee objection:
- Proof of cost of children's education $1,100 and car payment $710.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Electricity $500, Children's education $1,100 (require proof 10 days before conf) and car
payment $710 (requires proof). (Plan is 100%)
- 22c has disposable income $1,539.24, which would require minimum dividend $92,354 to
gucs. May be moot since plan is proposing 100%.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution.
- Must file Pre-confirmation certificate.

Plan proposes $600 x 60 100% and Sale/loan mod in 6 months
Payments: 2/3 Arrears: $600


Matter ResolvedRequest
Adjourment
988/3/2022 10:00 am22-13066 / CMGAdrian Johnson, Esq.Confirmation Hearing ScheduledContinued
9/21/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

adj to 9/21/22- PEREMPTORY

AS of 7/21/22(mk):

>>Plan does not pay arrears through plan but that means there is only $708.85 being paid<<


1 Objection by Sec Veterans Affairs(Pincus):
-plan fails to cure arrears and LM speculative

2. Trustee Objection:(None of this matters as only 708.85 in guc
debt and plan is 100%
-need current CMA that provides an opinion of value and comps
within 6months of filing.
-need Amendments to Schedules J to list monthly household
expenses.
-As of now, there is $24,353.00 in non exempt equity in the residence and $2,750 in non exempt equity in the 2005 Mustang.(Bar date passed and GUC total is only $708.85
-Pre conf cert.

Plan:$275 X 60 BEG 5/2022; LM BY 8/1/2022 (29 CANNON BALL DR); 100%
3/3payments
bar date:passed

Matter ResolvedRequest
Adjourment
998/3/2022 10:00 am22-13096 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
9/7/2022 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $5,580.00  
AS OF 7/26/2022 (at):

1. Objection filed by US Bank Trust (McCalla Raymer) - failure to cure full arrears of $226,182.92. (MOD PLAN PAYS FULL ARREARS AND NO OBJ TO MOD PLAN)

2. Objection filed by Toscana Homeowners Association (Hill Wallack) - failure to cure full arrears of $1,565.75. (MOD PLAN PAYS FULL ARREARS AND NO OBJ TO MOD PLAN)

Trustee's objection:
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need to resolve the estimated claim filed by the IRS. (STILL ESTIMATED)
- Need to resolve the estimate claim filed by the State of New Jersey. (STILL ESTIMATED)

RESOLVED ISSUES:
Need to resolve objection by US Bank. (RESOLVED)
Need to resolve objection by Toscana Homeowners Association. (RESOLVED)
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - prior to confirmation. (RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$600/month for utilities
$700/month for cable/internet/phone
Need proof of excessive expenses 10 days prior to confirmation.
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Per the 22C, monthly disposable income is $5,562 which requires a minimum dividend of $333,720 to unsecured creditors, or 100% plan.

Plan proposes: $5,580 x 60 beginning 5/1/2022, loan modification by 4/1/2023, base
Payments: 2/3, arrears $5,580
Matter ResolvedRequest
Adjourment
1008/3/2022 10:00 am22-13187 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 198 of 5 required payments   Arrears: $300.00  Total Paid In: $19,755.00
mk: email from atty-OK to Confirm; PUT TERMS ON RECORD

ISSUES AS OF 7/29/2022 (DM):

***Closing should be completed by confirmation and only $1,719 unsecured claims have been filed. TRUSTEE RECOMMENDS CONFIRMATION AT $100 x 36 STARTING 5/1/22, 100% PLAN, ATTY TO SUBMIT FEE APP WITHIN 7 DAYS, DEBTOR SHALL SUBMIT A COPY OF HUD-1 WITHIN 10 DAYS OF CLOSING***

 RECEIVED CONTRACT OF SALE FOR $300,000 AND PER ATTORNEY THE CLOSING IS SCHEDULED FOR 7/29/2022.

1) New Rez/Shellpoint (McCalla Raymer) OBJs - plan is silent as to treatment of secured creditor - arrears per POC are $64,880.79 (CONSENT ORDER ENTERED - SELL BY 8/31/22).

2) Trustee OBJ:
- Must resolve creditor objection.

***RESOLVED ISSUES***

A) Trustee OBJ:
- Debtor has insufficient income.
- Must file Pre-confirmation certificate (FILED).
- There is $4,936 non-exempt equity in real estate (LANGUAGE ADDED).
- Add to confirming order non-exempt proceeds from sale (LANGUAGE ADDED).
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming plan (LANGUAGE ADDED).


Prop. Plan $100 x 36, Base
- sale in 6 months
PTD 2/3 = $200
Last Claim (3-1)
Matter ResolvedRequest
Adjourment
1018/3/2022 10:00 am22-13296 / CMGSEYMOUR WASSERSTRUM, ESQConfirmation Hearing ScheduledDismissedDebtor has made 13 of 5 required payments   Arrears: $0  

mk 8/3/22 dismiss w/o prej. and motion to reistate when have current proof of insurance.

7/29/22:mk: emailed atty and returned a voice mail. Per DS, we don't pay the Mtg co on funds over pd to TR that were meant for mtg co. Manual ck was issued and will be mailed back to Debtor on 8/1/22. Then debtro needs to get funds to Mtg co. Told atty to upload an adj request on the confirmation BUT it won't be granted unless we have current home insurance w/ personal liab coverage. insurance was forced pace and has now expired.

As of 7/29/22 (DS): 1. Trustee obj to the following:
- Need proof of homeowner insurance with personal liability coverage. Policy expired 5/1/22 and was forced placed insurance by mortgage.
- Must resolve creditor objection.
- Must file Pre-confirmation certificate with the Court.

2. CSMC 2018-RPL3 Trust (McCalla Raymer) obj to loan mod and arrears not paid. Obj must be resolved.

3. Plan has IRS and State of NJ as notice only, but claims were filed IRS priority unsecured $3,549.87 and State of NJ secured $1,209. Trustee ok to pay?

Prop Plan $995 x 60 begin 5/1/22; Base and Loan mod on Willow Way by 10/22
Note: AMT on 7/26/22 - Attorney email requesting mtg pymts sent to Trustee in error be forwarded to lender (3 payments at $3,487.69 each)
Matter ResolvedRequest
Adjourment
1028/3/2022 10:00 am22-13387 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
9/7/2022 10:00 am
Debtor has made 2 of 5 required payments   Arrears: $0  

AS OF 8/1/2022 (at):

1. Objection filed by Bank of NY Mellon (KML Law Group) - failure to cure full arrears of $113,881.63 (Per POC) (RESOLVED - DEBTOR TO PAY FULL ARREARS THROUGH THE PLAN)

2. Trustee's objection:
The debtor has failed to provide proof of service with respect to Plan Motion (s).
- motion to avoid liens of Overlook Hospital and RAB Performance Recoveries LLC (CERT OF SERVICE NOT FILED)
-need to file Pre Confirmation Certification with Court (NOT FILED)

Plan proposes: $2,137 x 60 beginning 5/1/2022, $0 to unsecured creditors
Payments: 2/4, arrears $4,274

Matter ResolvedRequest
Adjourment
1038/3/2022 10:00 am22-13477 / CMGBrad J. Sadek, Esq.Confirmation Hearing ScheduledContinued
9/7/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

As of 8/2/22 (DS):

1. Trustee obj to the following:
- Need TD Bank savings acct #4280 statements for March and April 2022, there may be non-exempt equity in this acct.
- TD Bank checking acct#206 statement ending 3/20/22 shows balance $27,619.93; TD Bank checking acct #0165 shows ending balance as of 3/13/22 $1,609.24.
- Excessive expenses on Sched J such as: $815 auto insurance, $420 Cell and Tele/Internet/Cable $347.
- There is non-exempt equity in business tools $400, 2016 Hyundai $1,060, Co-Debtor inherited $39,575 on 2/25/22, per TD Bank statement, inheritance was not disclosed on Sched B, however Trustee was provided with Refunding Bond and Release Form disclosing the amount of the co-debtor's inheritance from the Estate of Reginald Stevenson.
- Need service to all creditors on Motion in Plan (Crown Asset and Capital One) and must be addressed to Attn: Managing Agent. (Served LVNV Funding, but fails to add Attn: Managing Agent). SERVICE WAS ISSUED 8/2/22, BUT FAILED TO SERVICE CROWN ASSET (LVNV FUNDING AND CAPITAL ONE WERE SERVED).
- Must file Pre-confirmation certificate.

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

Prop Plan $1,203 x 60 begin 5/1/22; Base
Note: Obj with Midfirst resolved - Proposed order submitted to the Court 7/26/22 to pay arrears claim.
Matter ResolvedRequest
Adjourment
1048/3/2022 10:00 am22-13534 / CMGJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledContinued
9/7/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $4,100.00
7/25 workup for the 8/3 confirmation EDC

1) Wilmington Savings Fund Society FSB (RASC) objection to confirmation - need to resolve
-plan does not appear to be feasible due to representation that sufficient disposable income is not available to support proposed plan payments
2) Trustee objection to confirmation - need to resolve
-Provided a print out of new account #9862 and balance of $3,900 deposited on 5/9/2022, no name of bank or anything other than debtors name, need statement - Schedules do not show this account
-need to file Pre Confirmation Certification with Court


proposed plan $820x60 base plan
paid in $1,640
arrears $820
last claim 1
Matter ResolvedRequest
Adjourment
1058/3/2022 10:00 am22-13754 / CMGWarren Brumel, Esq.Confirmation Hearing on Modified PlanContinued
9/21/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 8/1/2022 (at):

1. Objection filed by Shellpoint/Deutsche Bank (McCalla Raymer) - loan was already modified in 2016. Failure to cure arrears of $209,987.61 (RESOLVED - LOAN MOD BY 11/30/22 OR AS EXTENDED. DEBTOR TO MAKE POST PETITION PAYMENTS OF $2,946.65 PENDING MOD)

2. Need proof of service on Real Time Resolutions for strip off of second mortgage. (SERVICE NEED TO BE TO THE ATTENTION OF A MANAGING AGENT OR OFFICER DESIGNATED TO ACCEPT SERVICE)

3. Plan is silent as to treatment of 3rd mortgage held by US Bank/Ditech.

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - policy provided expires 7/12/2022 (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):
- car payment $588.07 on Schedule J is excessive expense
- Disposable income is higher $1,198 than scheduled $553.
- debtor owns landscaping business and on SOFA lists value as unknown. Debtor testified that value of equipment is approximately $15,000. (Debtor's counsel advises that Plan will be amended to 100%) (MOD PLAN PAYS 100%)

MP before confirmation proposes: $545 x 60 beginning 6/1/2022, loan mod by 12/31/2022, 100% to unsecured creditors
Payments: 2/3, arrears $545
Matter ResolvedRequest
Adjourment
1068/3/2022 10:00 am22-13930 / CMGMark S Cherry Confirmation Hearing ScheduledContinued
9/21/2022 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $4,800.00  
AS OF 07/25/22 (SF)

Note: Debtor requested extensions to file returns but there is no proof from the IRS or State of NJ that the request was granted. Need something that states when the extension deadline expires.

1. State of NJ filed estimated priority claim 3-1 (NEED AMENDED CLAIM)

2. Must resolve IRS priority estimated tax claim 1-1. (NEED AMENDED CLAIM)

3. Trustee objection:
- Need proof of 2 months income from non-filing spouse

- Need copy of 2021 Tax Return (Debtor filed for an extension. Need copy of 2021 Tax Return by 11/1/22) (extension reqested)

- Must amend Schedule I to add spouse's income

- The debtor has undertaken an improper use of exemption. Specifically: Debtor over exempts d(5). Uses full d(1), but takes $13,550 for bank acct, also takes d(5) for computer and every day clothing.

- The circumstances and contents of the debtor's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)(3).

- There is non-exempt equity in Debtor's joint bank acct on half interest $57,798 deducting remainder d(5) of $75, the total is $57,723 of non-exempt equity.

- Must file pre-confirmation certificate.


Plan proposes $2400 x 60 Base w/lump sum from savings of $40,000 upon confirmation
Payments: 1/1

RESOLVED ISSUES:

1. Objection filed by Santander Bank (Fissel) - failure to pay arrears of $180,166.76 (RESOLVED VIA ORDER)

Matter ResolvedRequest
Adjourment
1078/3/2022 10:00 am22-13984 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 2 of 4 required payments   Arrears: $0  

8/1/22: mk: atty advises debtor has passed away wants to dismiss/hold fees- STATUS Change Filed - Dismiss/Hold Fees

AS of 7/29/22(mk): updated

>>STILL NEED TO RESOLVE #1 & TR remaining issues.


1. St. Of NJ filed ESTIMATED POC for priority taxes- no return for 2021.

2. Objection by Wells Fargo (Brock & Scott):
schedules have mtg as unsecured debt when it is secured.(CO submitted 7/29/22.Terms: PAY POC)

3. Trustee objection:
-need Amendments to Schedules B & C for
settlement of wrongful
termination(settlement proceeds not listed
on schedules) and Sch A and D to list home
& mortgagee.
- Plan fails to treat mortgage. (CO submitted)
-Wells Fargo Checking acct3559 is listed on
schedules as ending balance of $3,231.45,
bank statement provided shows balance of
$10,387.73 as of 3/31/2022 - need to
amend Schedules B and C accordingly -
100% proposed but necessary to establish
T/H.
- need a certification regarding receipt of life
insurance proceeds and what was paid and
supporting documentation. Tr entitled to any
nonexempt proceeds.
- need information on settlement of wrongful
termination. Amount of settlement, was it
paid prior to filing? where is the money? If it
was not paid before filing, then needs a
motion to approve disbursement.
- any nonexempt proceeds from wrongful
termination to Trustee.
-Need all information regarding the real
property at Harrison Avenue- value, liens
and proof of home insurance
-pre conf cert.
-------------
- Plan fails to treat mortgage. (CO submitted)

Plan:900/60, 100%
2/2
bar date:7/26/22
Matter ResolvedRequest
Adjourment
1088/3/2022 10:00 am22-14088 / CMGDAVID A. SEMANCHIK, ESQConfirmation Hearing ScheduledContinued
8/17/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,195.00  
mk: getting CO on 2 objections

As of 7/29/22 (DS):


If objections resolved to pay claims in full, need to confirm at $1,195 x 3 begin 6/1/22; $1,651 x 57 begin 9/1/22; 100% with a minimum $144,267.90 to gucs due to non-exempt equity in real property.
- Within 7 days must file Pre-confirmation certificate.

1. Creditor objections remain unresolved. Plan propose to pay claims in full.

2. There is non-exempt equity in real property, plan needs to be 100% to gucs.

7/20/22 (DS): 1. Debtors in arrears $2,390, made 0 out of 2 payments. PROOF OF PAYMENTS MADE VIA EPAY $3,585 ATTACHED TO MISC DOCS.

2. Trustee obj to the following:
- There is non-exempt equity on real property $144,267.60. Plan will need to be 100% to gucs.
- Must resolve creditor objections.
- Must file Pre-confirmation certificate.
- Case needs to be 100% to gucs, due to non-exempt equity. Plan does not mark off Section 5a treatment of unsecured creditors. Trustee will work up at 100%. BAR DATE IS 7/29/22, RECOMMEND WAITING PASS BAR DATE.

3. Cenlar (STERN, LAVINTHAL) obj to plan proposing to pay claim in full, but does not include post-pet interest charges and escrow advances. Obj must be resolved.

4. ABS Loan (MCCALLA RAYMER LEIBERT) obj to loan matured 7/2018, Plan does not propose Debtors to self-pay taxes and maintain insurance. Obj must be resolved.

Prop Plan $1,195 x 60 begin 7/1/22; ? No GUCS
Matter ResolvedRequest
Adjourment
1098/3/2022 10:00 am22-14089 / CMGGeorgette Miller, Esq.Confirmation Hearing on Modified PlanContinued
8/17/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,200.00
mk: atty will contact creditor and try to resolve.

AS of 7/22/22(mk):

Need to resolve #1

1. Objection by Specialized Loan/MEB Loan Trust(2nd Mtg(Stewart Legal):
-LM speculative- needs to address arrears. (mk: atty says LM submitted 8/1/22)

2. St Of NJ filed a priority POC $996.92.-MUST BE PAID

3.Trustee objection:
-revised equity in Toyota $1245

------------------
>objection by Nationstar: arrears POC- MP PAYS POC


Plan: $300 X 11; $840 X 25 6/2022; LM BY 12/31/2022 (344 PARDEE BLVD); BASE
2/2 payments
bar date 7/29/22
Matter ResolvedRequest
Adjourment
1108/3/2022 10:00 am22-14113 / CMGKirsten B. Ennis, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $800.00
8/2/22(mk) MP 9#22) filed and on for 9/7/22.

7/27/22(mk): email from atty. Objection resolved (need to know pay or no pay arrears pending Lm) surrender Toyota and complete sections 5 & 8 of plan . When filed, this plan #6 can be w/d.



AS of 7/21/22(mk):

1. Objection by Rushmore/US OTBS: terms=LM by 10/31/22- Pay or No pay arrears- need to clarify
Bank(FriedmanV):
-plan fails to pay arrears

2. Capital One Auto has filed a bifurcated claim for car. NOT in PLAN, secured part 21,250,unsecured 1,485.73 and arrears $17,170.72- NEED TREATMENT

3. Trustee objection:
-need Domestic Support Obligation information
-needs a Modified Plan that completes part 5a & part 8 a,b & c and treats the car loan claim.
-need Amendments to Schedules C - needs to be completed.
-------------------------------
-need proof of debtor's Social Security Number to the Trustee(Provided)


Plan: $200 X 36 BEG 6/2022; LM BY 10/31/2022 (840 SOUTH BLVD); PART 5 NOT MENTION
2/2payments
Matter ResolvedRequest
Adjourment
1118/3/2022 10:00 am22-14223 / CMGTHOMAS M MONAHAN, ESQConfirmation Hearing ScheduledContinued
9/21/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,500.00  
AS of 7/29/22(mk)

1/2 PAYMENTS
341 DOCS uploaded
Matter ResolvedRequest
Adjourment
1128/3/2022 10:00 am22-14323 / CMGMARK G CARUSILLOConfirmation Hearing ScheduledContinued
9/21/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $2,234.00  
8/2/22(mk): 341 now on for 8/25/22 and we have proof of 1 payment


AS OF 8/1/2022 (at):

8/2/22 - Copy of epay receipt received for 1 payment in the amount of $2234.20

DEBTOR HAS NOT MADE ANY TRUSTEE PAYMENTS.

1. 341 has not been held or rescheduled.
2. Payments: 0/3, arrears $6,702.60
Matter ResolvedRequest
Adjourment
1138/3/2022 10:00 am22-14371 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
9/7/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 8/1/22 (DS): Debtor attorney requested adjournment, 341 sched 8/18/22
Matter ResolvedRequest
Adjourment
1148/3/2022 10:00 am22-14409 / CMGSEYMOUR WASSERSTRUM, ESQConfirmation Hearing ScheduledContinued
9/21/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

8/2/22:mk: Proof of 2 payments submitted at 3:45 today. We have home insurance.341 adj request has been uploaded. atty will appear and request an adjournment.


issues as of 7/28/2022 (JMA)

1) Ally Capital (Lavin Cedrone) objection to confirmation - need to resolve
-objection to cram
2) 341 not held, not rescheduled - still missing documents
3) No Trustee payments to date, arrears $540


Matter ResolvedRequest
Adjourment
1158/3/2022 10:00 am22-14414 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 8/1/2022 (at):

MODIFIED PLAN FILED AND CONFIRMATION IS SCHEDULED FOR 8/17/2022.

1. Objection filed by Beal Bank, USA (Brock & Scott) - failure to cure pre-petition arrears of $315,054.07. (UNRESOLVED)

2. Motion to sell residence is scheduled for 8/17/22. Need outcome of this motion.

3. Trustee's objection:
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $698/month for transportation
- $860/month for food
Need proof of excessive expenses 10 days prior to confirmation.
The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service on Brace Place, State of NJ and Tzvi Small for motions to avoid liens. (CERT OF SERVICE NOT FILED)
- Need to file Pre-Confirmation Certification. (NOT FILED)


RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- Need proof of insurance for the 2001 Jeep and 2006 Jeep or Certification regarding
their usage. (RECEIVED CERTIFICATION)
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 $23,181 in non-exempt equity in the bank account. (LANGUAGE ADDED)
- Need to resolve the estimated claim filed by the IRS. (NO LONGER ESTIMATED)

MP before confirmation proposes: $500 x 36 beginning 7/1/2022, sale of property within 6 months of confirmation, not less than $11,206.36 to unsecured creditors
Payments: 1/,2, arrears $500

mk: fyi Motion to sell property on 8/17/22. TR Objection. Value stated to be $532,700 at 341 and K of sale is for 180,000 and no explanation as to decrease in value. Case was filed in June.

7/13/22;Amended A filed listing property value at 180,000 per sale K. This needs more investigation
Matter ResolvedRequest
Adjourment
1168/3/2022 10:00 am22-14453 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
9/21/2022 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,124.00  
mk: atty had proof of payment

as of 7/29/222: (copy of cashier's check provided for 1 payment in the amount of $1124 ) attached to adj request which was received late

341 now on 8/25/22
0/2 payment
Matter ResolvedRequest
Adjourment
1178/3/2022 10:00 am22-14538 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 3 of 3 required payments   Arrears: $0  

8/2/22(mk): email form atty -ok to D

AS of 7/21/22(mk)

NO PAYMENTS
NO 341 DOCS AT ALL
Matter ResolvedRequest
Adjourment
1188/3/2022 10:00 am22-14780 / CMGAdrian Johnson, Esq.Confirmation Hearing ScheduledContinued
9/7/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1198/3/2022 10:00 am22-14867 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $448.00
As of 8/2/22 (DS): Confirm at $149.13 x 60 begin 7/1/22; Base

1 Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $46.75. However, due to savings loan $150 ending Oct 2022, case would require a step up. Ok to confirm per plan, plan pays 60 months.

2. Must resolve IRS estimated tax claim, 2019-2021 tax returns not filed. - AMENDED CLAIM FILED 7/29/22, NO LONGER ESTIMATED.

Prop Plan $149.13 x 60; Base
Note: Bank statements provided and Pre-conf cert filed.
Matter ResolvedRequest
Adjourment
1208/3/2022 10:00 am22-14923 / CMGMonica Mazurczyk, Esq.Confirmation Hearing ScheduledContinued
9/7/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $2,952.00
ISSUES AS OF 7/29/2022 (jma)

1) JP Morgan Chase Bank (Powers Kirn) objection to confirmation - need to resolve
-plan fails to treat pre petition arrears $644.36
2) Debtor response to creditor objection disputes the arrears amount - need to resolve
3) Trustee objection to confirmation - need to resolve
- Amendments to Schedules C to correct exemption for real property FILED AMENDED SCHEDULE C TO CORRECT EXEMPTION
- The debtor has undertaken an improper use of exemption. Specifically: debtor took $55,800 under (d)(1). This is not a Joint filing. AMENDED SCHEDULE C FILED CORRECTING EXEMPTION
- must address objection by JP Morgan RESPONSE FILED, NEED TO RESOLVE
- As of now, there is non exempt equity in real property. Plan is 100% but needs amended schedule C and mortgage claim to establish the threshold equity.
- must file Pre Confirmation Certification with Court RESOLVED, FILED

proposed plan $984x60 100% plan
paid in $984
last claim 7
Matter ResolvedRequest
Adjourment
1218/3/2022 12:00 pm17-15982 / CMGEric ClaymanMotion CompensationGrantedTotal Paid In: $51,552.00
Matter ResolvedRequest
Adjourment
1228/3/2022 12:00 pm19-17501 / CMGEric ClaymanMotion CompensationGrantedTotal Paid In: $10,263.00
Matter ResolvedRequest
Adjourment
1238/3/2022 12:00 pm19-25497 / CMGMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $63,057.00
Matter ResolvedRequest
Adjourment
1248/3/2022 12:00 pm19-28325 / CMGLee M. Perlman, Esq.Motion CompensationRevised Order SubmittedTotal Paid In: $32,455.00
Trustee obj<> FEE APP

mk; fees ok: PPSED Order reduces plan payment. Needs a revised Orderf $1,128x 26 begin 8/1/22
Matter ResolvedRequest
Adjourment
1258/3/2022 12:00 pm20-17781 / CMGJoseph Casello, Esq.Motion CompensationGrantedTotal Paid In: $31,647.00
Matter ResolvedRequest
Adjourment
1268/3/2022 12:00 pm21-10974 / CMGCandyce I. Smith-Sklar, Esq.Motion CompensationGrantedTotal Paid In: $8,238.00
Matter ResolvedRequest
Adjourment
1278/3/2022 12:00 pm21-17155 / CMGJames J. Cerbone, Esq.Motion CompensationGrantedTotal Paid In: $3,583.00
Matter ResolvedRequest
Adjourment
1288/3/2022 12:00 pm22-11207 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 5 of 7 required payments   Arrears: $0  

7/25 workup EDC
Hold for 12:00 on 8/3/22 - TR R TO request 2 yr bar on refile


Trustee filed objection even though no 341:

1. The debtor has had 2 prior chapter 13 case that were dismissed.
2. Debtor has still not appeared for a 341 hearing and the case was filed in February 2022. There are still
missing documents.(P& L for business ,tax returns for 2019-2021- only supplied 1 page of the 2018 return: sch I & j and 122c blank
3. Confirmation has been adjourned 4 times.
4. The debtor's mortgage loan has matured and debtor has paid no post petition payments.
5. Trustee recommends dismissal with a 2 year bar for refiling.

Creditor( INVESTORS SAV)( Rebecca McDowell,) objection- Loan has matured

Matter ResolvedRequest
Adjourment
1298/3/2022 12:00 pm22-11467 / CMGJonathan Goldsmith-Cohen, Esq.Motion CompensationGrantedTotal Paid In: $21,660.00
MK: atty rec'd 5488 outside prior to filing. This application seeks approval for that as fee was hourly. OK
Matter ResolvedRequest
Adjourment
1318/3/2022 12:00 pm22-12420 / CMGHENRY N. PORTNER, ESQ.Motion Relief from Stay (Fee)Continued
10/19/2022 12:00 pm

debtor needs to file an objection to this motion

WILMINGTON SAVINGS (FRIEDMAN)


as of 8/3/22:Scheduling on this:
1. Consent order to be filed by Mr. Portner.( Need assignments of mtg.(debtor atty & creditor atty had some differences) and their order to be all set forth and agreed upon)
2 J.Schwaab to file papers/brief by 8/29/22explaining how debt went form 5000,00 to over $800,000 in POC among other things.
3. Portner reply by 9/12/22
4. Hearing 10/19/22.CT to decide if J'ment is valid and on amt of POC and assignments
Matter ResolvedRequest
Adjourment
1328/3/2022 12:00 pm22-12420 / CMGHENRY N. PORTNER, ESQ.Motion Extend TimeMoot
HOLD FOR NOON FOR STATUS CONFERENCE

>>NEEDS JUDGE<<


Creditor Wilmington Sav.(Freidman vartolo)<>MTN TO CONTINUE STAY

Matter ResolvedRequest
Adjourment
1308/3/2022 12:00 pm22-12420 / CMGHENRY N. PORTNER, ESQ.Confirmation Hearing ScheduledWithdrawnDebtor has made 5 of 6 required payments   Arrears: $800.00  
8/3/22:MP w/in 14 days for hearing on the MP he is going to file per atty tax returns filed .needs to follow up w/ taxing authorities for APOCs. Will file an atty disclosure of compensation for this case.


As of 7/22/21(mk):

HOLD FOR NOON FOR STATUS CONFERENCE

ATTY Henry Portner now represents debtor. No Atty Disclosure has been filed.

- MP(#33) before conf filed. Plan has AP payments to be paid by TR- Not sufficient and Need order for that. Disputed mtg claims and estimated taxes need to be resolved before this can even be reviewed for possible terms. PLan contains non standard provisions throughout. No amended I & J filed

>>ESTIMATED TAX CLAIMS & CREDITOR MOTIONS AND DEBTROS' MOTIONS OBJECTING TO MTG CLAIMS ALL HAVE TO BE RESOLVED. DEBTOR ALSO HAS FILED AN ADVERSARY COMPLAINT VS.WILMINGTON ETAL


MFR (FriedmanVartolo)on 8/3/22 Need RESULT

1. Objection by Wilmington Sav( Friedman Vartolo):
- arrears $514,657- treatment unclear. Proposed sale of RE has no timeline & plan not feasible

2. Objection by Provident(Martone):
not feasible


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

.Trustee Objection to orig plan; MP #33 filed
-need Amendments to Schedules J. debtor
appears to have included the annual amount
of property taxes and Amended i when there
is income. fo her monthly budget.
-improper use of exemption. Specifically:
Debtor exceeds the statutory amount of
exemption under Section 522 (d)(1) and (d)
(5).
-the following parts of the plan are not
completed :5a,8a , c & d.
-The plan proposes in part 7b to avoid lien
and reclassify as unsecured what appears to
be a foreclosures judgment. A plan cannot do
that. This is the only mortgage on the
property.
-pre conf cert.

Plan:300 x 60 refi/LM Sale of real property
3/4 payments
Bar date passed

Matter ResolvedRequest
Adjourment
1338/3/2022 12:00 pm22-12420 / CMGHENRY N. PORTNER, ESQ.Objection to Proof of ClaimContinued
10/19/2022 12:00 pm

Wilmington obj ( Friedman Vartolo)<>OBJ TO WILMINGTON SVS POC #5-1

As of 8/3/22:Scheduling on this:
1. Consent order to be filed by Mr. Portner.( Need assignments of mtg.(debtor atty & creditor atty had some differences) and their order to be all set forth and agreed upon)
2 J.Schwaab to file papers/brief by 8/29/22 explaining how debt went from 5000,00 to over $800,000 in POC among other things.
3. Portner reply by 9/12/22
4. Hearing 10/19/22. CT to decide if J'ment is valid and on amt of POC and assignments
Matter ResolvedRequest
Adjourment
1348/3/2022 12:00 pm22-12420 / CMGHENRY N. PORTNER, ESQ.Objection to Proof of ClaimOrder to be Submitted
OBJECTION TO PROVIDENT POC #4-1

>>>8/3/22(mk): email form dispo list:Creditor Provident Bank will file an Amended POC in the matter. Debtor's counsel reserves the right to review the amended POC and object.

Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes