Judge Michael B. Kaplan
Hearing Date: 8/12/2020
Hearing Count: 216
Last Updated: 09-21-2020 07:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
18/12/2020 9:00 am13-14979 / MBKMarta Gold Motion Requesting RedactionGranted
PNC MTN FOR REDACTION
Matter ResolvedRequest
Adjourment
28/12/2020 9:00 am13-16620 / MBKMarc C. Capone, Esq.Motion Requesting RedactionGranted
PNC MTN FOR REDATION
Matter ResolvedRequest
Adjourment
38/12/2020 9:00 am13-20360 / MBKPETER E ZIMNIS, ESQMotion Requesting RedactionGranted
PNC MTN FOR REDACTION
Matter ResolvedRequest
Adjourment
48/12/2020 9:00 am13-22322 / MBKWilliam H. Oliver, Jr., Esq.Motion Requesting RedactionGranted
PNC MTN FOR REDACTION
Matter ResolvedRequest
Adjourment
68/12/2020 9:00 am13-23016 / MBKKevin Fayette, EsqMotion Requesting RedactionGranted
PNC MTN FOR REDACTION
Matter ResolvedRequest
Adjourment
78/12/2020 9:00 am13-23064 / MBKROBERT C NISENSON ESQMotion Requesting RedactionGranted
PNC MTN FOR REDACTION
Matter ResolvedRequest
Adjourment
88/12/2020 9:00 am13-29299 / MBKJonathan Stone, Esq.Motion Requesting RedactionGranted
PNC MTN FOR REDACTION
Matter ResolvedRequest
Adjourment
98/12/2020 9:00 am13-35189 / MBKJOHN ZIMNIS, ESQMotion Requesting RedactionGranted
PNC MTN FOR REDACTION
Matter ResolvedRequest
Adjourment
108/12/2020 9:00 am13-36004 / MBKPAUL C DETRICK ESQMotion Requesting RedactionGrantedTotal Paid In: $3,087.00
PNC MTN FOR REDACTION
Matter ResolvedRequest
Adjourment
118/12/2020 9:00 am14-10803 / MBKSCOTT M. ZAUBER, ESQ.Motion Requesting RedactionGranted
PNC MTN FOR REDACTION
Matter ResolvedRequest
Adjourment
128/12/2020 9:00 am14-15626 / MBKEdward Hanratty, Esq.Motion Avoid LienWithdrawn
Response Doc #147 (WITHDRAWN) will be treated as a Cross Motion by MBK and be heard on 8/12/20 at 2 PM (dm)


Motion to Avoid Lien withdrawn by Doc #149
Matter ResolvedRequest
Adjourment
138/12/2020 9:00 am15-12621 / MBKERIC L LEINBACH, ESQApplication for RetentionOrder to be SubmittedTotal Paid In: $169,618.00
Debtor obj; Leinbach obj; PI counsel response<>APPLICATION FOR RETENTION/PI COUNSEL (Goldberg)--debtor says she fired her attorney
Matter ResolvedRequest
Adjourment
148/12/2020 9:00 am15-14263 / MBKPETER E ZIMNIS, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee Order
8/10 AMT: $18,538.22 PTD; $53.78 PLUS any sup fees added to the plan to be pd by 9/1/20 to complete plan (email to atty)<<<>>>
$53 due still

7/28 AMT: TO NM/AUDIT FOR PAYOFF LTR<<<>>>

will pay off by 8/12--paid 7/28 EDC

AR NEEDS UPDATE ON COMPLETING PLAN BALANCE -$1592 to payoff case as of 6/22
Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
158/12/2020 9:00 am15-15013 / MBKJustin M. Gillman, Esq.Motion Requesting Redaction of Personal Indentifiers.Granted
Redaction of P ID We Don't have the motion nor do we Object.
Matter ResolvedRequest
Adjourment
168/12/2020 9:00 am15-21125 / MBKScott C. PyferMotion Requesting RedactionGrantedTotal Paid In: $6,595.00
PNC MTN FOR REDACTION
Matter ResolvedRequest
Adjourment
178/12/2020 9:00 am15-22778 / MBKPETER E ZIMNIS, ESQCreditor Certification of DefaultWithdrawnTotal Paid In: $90,262.00
FNA JERSEY LIEN (Velasquez)
Matter ResolvedRequest
Adjourment
188/12/2020 9:00 am15-33990 / MBKJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $33,661.00
AMT: MP 8/12*** HONOR ROLL***<<<>>>

adj request was blank EDC

MP filed - check for new date (dm)
Debtor obj, filing MP<>SV/SLS #9-1
Matter ResolvedRequest
Adjourment
198/12/2020 9:00 am15-34192 / MBKDAVID A SEMANCHIK ESQMotion Requesting RedactionGrantedTotal Paid In: $15,526.00
PNC MTN REQUESTING REDACTION
Matter ResolvedRequest
Adjourment
208/12/2020 9:00 am16-10001 / MBKJOHN ZIMNIS, ESQMotion Relief from Stay (Fee)GrantedTotal Paid In: $32,498.00
US BANK/TOWER DB VII TRUST (HONIG & GREENBERG)
Matter ResolvedRequest
Adjourment
218/12/2020 9:00 am16-12359 / MBKFrances A. Tomes, Esq.Motion to Determine Validity of Payment ChangeContinued
9/15/2020 9:00 am
Total Paid In: $12,583.00
HSBC Response (RAS)<>DEBTOR MTN OBJECTING TO NTC OF MTG PYMT CHANGE
Matter ResolvedRequest
Adjourment
228/12/2020 9:00 am16-12359 / MBKFrances A. Tomes, Esq.AP Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $12,583.00
AP 18-1591 Libutti vs. Ocwen MTN TO APPROVE LM
Matter ResolvedRequest
Adjourment
238/12/2020 9:00 am16-12359 / MBKFrances A. Tomes, Esq.Motion to Approve Loan ModificationOrder Previously SubmittedTotal Paid In: $12,583.00
***Standard Order attached to Doc #180***
Trustee limited obj; <>MTN TO APPROVE LM/OCWEN
Matter ResolvedRequest
Adjourment
248/12/2020 9:00 am16-15612 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayConsent Order to be SubmittedTotal Paid In: $23,052.00
8/12 AMT: SETTLED<<<>>>

8/12 Peremptory
Debtor obj<>WELLS FARGO BANK (SHAPIRO)
Matter ResolvedRequest
Adjourment
258/12/2020 9:00 am16-16365 / MBKROBERT C NISENSON ESQMotion Extend TimeGranted
MTN TO EXTEND TIME TO FILE STATEMENT IN RESPONSE TO NTC OF FINAL CURE (FEIN, SUCH)
Matter ResolvedRequest
Adjourment
268/12/2020 9:00 am16-17033 / MBKYAKOV RUDIKHCreditor Certification of DefaultWithdrawnTotal Paid In: $124,734.00
SLS (Shapiro)
Matter ResolvedRequest
Adjourment
278/12/2020 9:00 am16-25566 / MBKMarc C. Capone, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
9/15/2020 9:00 am
Total Paid In: $13,008.00
AR NOT SERVED ON US ATTY GEN
AMT: IS THE UNSECURED CLM BEING PD?<<<>>>

MTN TO EXPUNGE IRS PRIORITY CLAIM #1 IN THE AMOUNT OF $1,235.87
Matter ResolvedRequest
Adjourment
288/12/2020 9:00 am16-26297 / MBKMARK GOLDMAN, ESQCreditor Certification of DefaultOrder to be SubmittedTotal Paid In: $52,291.00
SLS (Stewart Legal Group)
Matter ResolvedRequest
Adjourment
08/12/2020 9:00 am16-26297 / MBKMARK GOLDMAN, ESQMotion Motion (Generic) - Only use if no other event is applicableMootTotal Paid In: $52,291.00
AMT: docket noted/filing error, will not be heard<<<>>>
LOSS MIT/SLS
Matter ResolvedRequest
Adjourment
298/12/2020 9:00 am16-29011 / MBKJACQUELINE R ROCCI ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/23/2020 9:00 am
Total Paid In: $62,000.00
AMT: MP 9/23<<>>>

ATTY INTENDS TO FILE A 84 MONTH COVID PLAN

***Proposed Trustee Order $61,250 Ptd, $1,500 to be received and cleared before 7/22/20, then $1,827 x 15 starting 8/1/20 (DM)***
Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
308/12/2020 9:00 am16-31678 / MBKMarc C. Capone, Esq.Motion Relief from Co-Debtor StayMoot - DismissedTotal Paid In: $52,420.00
SPECIALIZED LOAN SERVICING (KML)
Matter ResolvedRequest
Adjourment
318/12/2020 9:00 am16-33367 / MBKCANDYCE I SMITH-SKLAR, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $50,686.00
8/10 AMT: $49,395.51 paid (43) then $1513 x 17 beg 8/1/20 (atty ok)<<<>>>

per att sent in over $5100 on 7/20

Debtor obj, will pay<>ARREARS LAST PAY 2-19-20
Matter ResolvedRequest
Adjourment
328/12/2020 9:00 am17-13362 / MBKKurt E. Reinheimer, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $34,344.00
TRYSTONE CAPITAL (Velasquez)
Matter ResolvedRequest
Adjourment
08/12/2020 9:00 am17-13664 / CMGWilliam H. Oliver, Jr., Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
9/1/2020 2:00 pm

8/11 AMT: Case transferred to CMG and adj<<<>>>


TRUSTEE MTN TO DISGORGE ATTY FEES
Matter ResolvedRequest
Adjourment
338/12/2020 9:00 am17-14146 / MBKDaniel Straffi, Esq.Motion Relief from Stay (Fee)Continued
8/26/2020 9:00 am
Total Paid In: $23,381.00
Debtor obj<>DOUBLE G KEEN MTGMNT (RODRIGUEZ LAW GROUP)
Matter ResolvedRequest
Adjourment
348/12/2020 9:00 am17-16668 / MBKJOHN ZIMNIS, ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $15,757.00
Debtor obj<>THE OAK CREEK ESTATES ASSOC (SCURA, WIGFIELD,HEYER)
Matter ResolvedRequest
Adjourment
358/12/2020 9:00 am17-22658 / MBKTHOMAS G. EGNERMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnTotal Paid In: $9,750.00
7/23 AMT: MOOT/APOC FOR $0 PRE PET ARREARS FILED<<<>>>

MTN TO REDUCE CITI MTG CLAIM #11 TO $0
Matter ResolvedRequest
Adjourment
368/12/2020 9:00 am17-22658 / MBKTHOMAS G. EGNERMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $9,750.00
7/23 AMT: APOC FILED<<<>>>


Debtor obj<>CITIMTG #11-1 WAS NOT AMENDED TO $0 PREPETITION ARREARS OR MOVED AGAINST BY 12/23/19
Matter ResolvedRequest
Adjourment
378/12/2020 9:00 am17-25406 / MBKEUGENE ROTH, ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $10,082.00
otbs per Roth email

Debtor obj<>PHH MTG (RAS)
Matter ResolvedRequest
Adjourment
388/12/2020 9:00 am17-28820 / MBKAndrew Thomas Archer Creditor Certification of DefaultContinued
8/26/2020 9:00 am
Total Paid In: $26,958.00
NFA
NATIONSTAR (Shapiro)
Matter ResolvedRequest
Adjourment
398/12/2020 9:00 am17-29060 / MBKKirsten B. Ennis Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/23/2020 9:00 am
Total Paid In: $23,692.00
AMT: MP 9/23<<<>>>

file MP and make payment edc

Debtor obj<>ARREARS
Matter ResolvedRequest
Adjourment
408/12/2020 9:00 am17-33259 / MBKKevin Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $14,259.00
***Trustee Order: $12,484.46 Ptd, $1,300 by 8/15/20, then $498 x 27 starting 9/1/20***

ARREARS
Matter ResolvedRequest
Adjourment
08/12/2020 9:00 am18-13494 / MBKROBERT C NISENSON ESQMotion Motion (Generic) - Only use if no other event is applicableMootTotal Paid In: $5,729.00
AMT: SEE DOC #82 - DOCKET NOTED INCORRECT EVENT CODE/
Matter ResolvedRequest
Adjourment
418/12/2020 9:00 am18-14807 / MBKSCOTT C PYFERMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $5,675.00
LM entered on 8/5--order says no MP needed if 100% (which it is)

(AMT: Mtg clm needs to be amended; 100% feasible; won't need MP)<<<>>>

AR ORDER APPROVING MOD ENTERED
Debtor obj<>FAILED TO LM BY 10/23/18; LOSS MIT EXPIRED
Matter ResolvedRequest
Adjourment
428/12/2020 9:00 am18-16748 / MBKMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/14/2020 9:00 am
Total Paid In: $17,400.00
LM in place with by 10/14 or case dismissed EDC

Debtor obj<>FAILED TO LM BY 1/30/20
Matter ResolvedRequest
Adjourment
438/12/2020 9:00 am18-17294 / MBKLAURENCE R SHELLER, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $5,016.00
***Trustee Order: $5,016 Ptd, then $240 x 32 starting 9/1/20***

Adj to 8/12/ for payment to post - NFA

ADJ BY MBK TO 8/4/20

AR WAITING FOR PROOF OF PYMT
Debtor obj, will pay<>ARREARS
Matter ResolvedRequest
Adjourment
448/12/2020 9:00 am18-17528 / MBKFREDERICK J SIMONMotion Relief from Co-Debtor StayContinued
8/26/2020 9:00 am
Total Paid In: $10,045.00
Debtor obj<>PHH MTG (RAS)
Matter ResolvedRequest
Adjourment
458/12/2020 9:00 am18-17528 / MBKFREDERICK J SIMONMotion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $10,045.00
DEBTOR MTN TO REDACT EXHIBIT A ON OPP TO PHH MFR
Matter ResolvedRequest
Adjourment
468/12/2020 9:00 am18-19016 / MBKPATRICK MOSCATELLO, ESQCreditor Certification of DefaultContinued
8/26/2020 9:00 am
Total Paid In: $15,298.00
NATIONSTAR (RAS)
Matter ResolvedRequest
Adjourment
478/12/2020 9:00 am18-19028 / MBKSTEPHANIE RITIGSTEINMotion Dismiss CaseGrantedTotal Paid In: $14,149.00
CALIBER HOME MTN TO DISMISS (Stern & E)
Matter ResolvedRequest
Adjourment
488/12/2020 9:00 am18-20071 / MBKCANDYCE I SMITH-SKLAR, ESQMotion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $18,906.00
Amount OK but attorney needs to amend schedule C in 15 days to take an exemption. The current exemption is blank. -AMENDED ok

MTN TO APPROVE PI SETTLEMENT/$17,500 GROSS, LESS PI COUNSEL $5,438, LESS $1,186 COSTS - $750 DEBTOR COUNSEL FEES; $10,126 TO DEBTOR
Matter ResolvedRequest
Adjourment
498/12/2020 9:00 am18-24365 / MBKBrian F. O'Malley Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $39,775.00
PLAN WILL NOT COMPLETE TIMELY DUE ORDER ADDING POST PETITION ARREARS/ATTY FEES
Matter ResolvedRequest
Adjourment
508/12/2020 9:00 am18-25487 / MBKWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $16,208.00
AMT: MP 8/12 ***SUBJECT TO TERMS****<<<>>>
Atty filed obj, attempting to contact client<>FAILED TO LM BY 1/31/19, EXTENDED LOSS MIT EXPIRED 3/18/20
Matter ResolvedRequest
Adjourment
518/12/2020 9:00 am18-25487 / MBKWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $16,208.00
Debtor obj<>FIFTH THIRD BANK (McCABE WEISBERG & CONWAY)
Matter ResolvedRequest
Adjourment
528/12/2020 9:00 am18-26130 / MBKJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/14/2020 9:00 am
Total Paid In: $11,500.00
Debtor obj<>FAILED TO SELL OCEAN AVE PPTY, UNIT #3 BY 3/31/20; FAILED TO RESOLVE EST NJ DIV TAX #5-3 BY 9/30/19; FAILED TO FILE POC ON BEHALF OF TTLREO AND MTN TO ALLOW LATE CLM BY 9/30/19; ARREARS
Matter ResolvedRequest
Adjourment
538/12/2020 9:00 am18-26584 / MBKLAURENCE R SHELLER, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $9,290.00
***ADJ Request Denied***
AMT: MP 8/12***Honor Roll***<<<>>>

Debtor obj<>FAILED TO LM BY 4/14/19
Matter ResolvedRequest
Adjourment
548/12/2020 9:00 am18-27946 / MBKTIMOTHY P NEUMANN, ESQMotion Reopen Ch. 13 Case (fee)Granted
MTN TO REOPEN (CERT IN SUPPORT OF DISCHARGE)
Matter ResolvedRequest
Adjourment
558/12/2020 9:00 am18-28879 / MBKROBERT H JOHNSONMotion Relief from Co-Debtor StayContinued
8/26/2020 9:00 am
Total Paid In: $47,288.00
Debtor obj<>PHH MTG (RAS)
Matter ResolvedRequest
Adjourment
568/12/2020 9:00 am18-30013 / MBKDaniel Straffi, Esq.Motion Dismiss CaseGrantedTotal Paid In: $7,640.00
DEBTOR MTN VOLUNTARY DISMISSAL
Matter ResolvedRequest
Adjourment
578/12/2020 9:00 am18-31005 / MBKDaniel Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $2,465.00
do loan mod outside and grant stay or free to seek EDC

AMT: MP 9/9<<<>>>
Debtor obj, filing MP<>FAILED TO LM BY 6/24/19, EXTENDED LOSS MIT EXPIRED 6/10/20
Matter ResolvedRequest
Adjourment
588/12/2020 9:00 am18-33048 / MBKEUGENE ROTH, ESQMotion Motion (Generic) - Only use if no other event is applicableContinued
9/1/2020 9:00 am
Total Paid In: $16,242.00
Debtor obj<>JP MORGAN MTN FOR DEBTOR TO CURE & MAINTAIN FREEHOLD TWP PPTY TAXES ( Fein Such)
Matter ResolvedRequest
Adjourment
598/12/2020 9:00 am18-33807 / MBKROBERT C NISENSON ESQTrustee Certification of DefaultContinued
9/9/2020 9:00 am
Total Paid In: $8,816.00
AMT: MP FILED 8/7<<<>>>

Debtor obj, filing mp to extend 2 yrs (covid)
Matter ResolvedRequest
Adjourment
608/12/2020 9:00 am18-34190 / MBKJACQUELINE R ROCCI ESQMotion Relief from Stay (Fee)Continued
8/26/2020 9:00 am
Total Paid In: $13,296.00
Debtor obj<>WILMINGTON SAVINGS (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
618/12/2020 9:00 am19-10397 / MBKGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $5,035.00
FAILED TO SELL CORLIES AVE PPTY BY 1/15/20; FAILED TO FILE ORDER WITH US BANK WITHIN 30 DAYTS OF 8/6/19 CONF
Matter ResolvedRequest
Adjourment
628/12/2020 9:00 am19-12211 / MBKWarren Levy, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $19,656.00
FAILED TO ADDRESS LATE FILED CLM/FIRST AMERICAN TRUST
Matter ResolvedRequest
Adjourment
638/12/2020 9:00 am19-12383 / MBKWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/26/2020 9:00 am
Total Paid In: $27,355.00
Debtor obj<>FAILED TO ADDRESS PELLEGRINO & FELDSTEIN 'PER PLAN' CLM; FAILED TO FILE CONSENT ORDER TO CORRECT ADDRESS ERROR LISTED AP COMPLAINT WITHIN 20 DAYS OF 4/8/20 CONF.
Matter ResolvedRequest
Adjourment
648/12/2020 9:00 am19-13104 / MBKWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $9,038.00
AMT: MP 8/12***HONOR ROLL***<<<>>>


MP filed - Trial Mod starting April for 6 months
***Consolidated with Case #19-14072 Patricia Short***
Debtor obj<>FAILED TO LM BY 10/23
Matter ResolvedRequest
Adjourment
658/12/2020 9:00 am19-14603 / MBKAndrew Thomas Archer Creditor Certification of DefaultContinued
9/1/2020 9:00 am
Total Paid In: $3,000.00
SLS ( FeinSuch)
Matter ResolvedRequest
Adjourment
668/12/2020 9:00 am19-14814 / MBKJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/18/2020 9:00 am
Total Paid In: $9,051.00
---get MP filed by 8/18/20 EDC

SV/CITIGROUP; FAILED TO ADDRESS NJ DEPT LABOR PER PLAN CLM; FAILED TO LM BY 12/3/20 AND EXTENDED LOSS MIT EXPIRED
Matter ResolvedRequest
Adjourment
678/12/2020 9:00 am19-15928 / MBKWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultConsent Order to be SubmittedTotal Paid In: $9,592.00
PHH (RAS)
Matter ResolvedRequest
Adjourment
688/12/2020 9:00 am19-16626 / MBKBRIAN W HOFMEISTERMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $6,755.00
Debtor obj<>BSI FINC/US BANK TRUST (FRIEDMAN VARTOLO)
Matter ResolvedRequest
Adjourment
698/12/2020 9:00 am19-16698 / MBKPATRICK MOSCATELLO, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/23/2020 9:00 am
Total Paid In: $2,210.00
SANTANDER #11-1 WAS NOT AMENDED TO $0 PRE PET ARREARAGE OR W/D BY 12/23/19
Matter ResolvedRequest
Adjourment
708/12/2020 9:00 am19-17881 / MBKROBERT C NISENSON ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/9/2020 9:00 am
Total Paid In: $2,625.00
8/10 ADJ REQUEST IS LATE--
Debtor obj<>FAILED TO LM BY 1/25/20; ARREARS
Matter ResolvedRequest
Adjourment
718/12/2020 9:00 am19-18554 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToOn the PapersTotal Paid In: $6,650.00
AMT: Please review proposed order/clarify amount and if to be pd outside (EMAIL SENT TO ATTY TO CLARIFY PROPOSED ORDER)

PHH obj (RAS)<>MTN TO FIX OCWEN CLM AMOUNT #2-1
Matter ResolvedRequest
Adjourment
728/12/2020 9:00 am19-19031 / MBKTRAVIS J RICHARDS ESQMotion Relief from Stay (Fee)GrantedTotal Paid In: $13,796.00
MORTGAGE NJ HOUSING AND MTG FINANCE AGENCY (PLUESE)
Matter ResolvedRequest
Adjourment
738/12/2020 9:00 am19-19833 / MBKLEE M PERLMAN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $32,152.00
Atty accepts terms
AMT: PPSD RECAP - $32,152.32 PTD (15); $3,554 X 45 BEG 9/1/20 (email to atty)<<<>>>


8/5 AMT: (pymt posted; pre conf cert filed; APOC NJ filed/resolves est clm;mtn to allow late clms granted<<<>>>

***Adj to 8/12/20 for status of check***
(7/1 AMT: CC OF CK FOR $7,699)<<<>>>
Debtor obj<>ARREARS; FAILED TO FILE PRE CONF CERT BY 1/27/20; FAILED TO ADDRESS WILLINGBORO TWP LATE CLM; FAILED TO ADDRESS EST NJ DIV TAX CLM ID #13
Matter ResolvedRequest
Adjourment
748/12/2020 9:00 am19-20391 / MBKEdward Hanratty, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/15/2020 9:00 am
Total Paid In: $8,946.00
AR MP FILED - REVIEW SHOULD PROVIDE THAT TAX REFUND SHOULD CURE AREARAGE AND NOT CHANGE TH
8/10 ADJ REQUEST IS LATE--
AMT: MP 8/12 ** WITHDRAWN****& debtor recently approved for Final Mod<<<>>>

Debtor obj<>FAILED TO LM BY 10/1/19, EXTENDED LOSS MIT EXPIRED 2/28120; FAILED TO FILE ORDER RESOLVING TD BANK OBJ TO CONF; ARREARS
Matter ResolvedRequest
Adjourment
758/12/2020 9:00 am19-20458 / MBKJoan Sirkis Warren Creditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $3,816.00
Order submitted to Chambers 8/7/20
RELISTED - 6/2/20 HEARING WAS OTBS---US BANK TRUST (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
768/12/2020 9:00 am19-22229 / MBKDOUGLAS G. MITCHELLMotion Relief from Co-Debtor StayGrantedTotal Paid In: $11,336.00
NEW JERSEY HOUSING AND MTG FINANCE AGENCY (PLUESE, BECKER & SALTZMAN)
Matter ResolvedRequest
Adjourment
778/12/2020 9:00 am19-22352 / MBKDANIEL L. REINGANUMMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $6,750.00
AMT; MP 8/12***HONOR ROLL****<<<>>>
Debtor obj<>FAILED TO LM BY 1/20/20
Matter ResolvedRequest
Adjourment
788/12/2020 9:00 am19-22440 / MBKAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $6,500.00
Debtor obj, filing MP (scheduled for 8/12/20) - Honor Roll

FAILED TO COMPLY WITH 12/19/19 LM ORDER TO FILE MP AND AMD J WITHIN 20 DAY
Matter ResolvedRequest
Adjourment
798/12/2020 9:00 am19-22624 / MBKKevin Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $11,350.00
SV/WELLS FARGO; FAILED TO ADDRESS NJ DIV TAX 'PER PLAN' CLM
Matter ResolvedRequest
Adjourment
808/12/2020 9:00 am19-23066 / MBKMelissa Y. Spears, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $4,514.00
8/5 AMT: $3,854 PTD (12); $329X 48 BEG 8/1/20; Trustee authorized to pay KeyBank late filed clm # 11-1 (email to atty/pre-conf filed)<<<>.

Debtor obj<>FAILED TO ADDRESS LATE FILED CLM KEYBANK; FAILED TO FILE PRECONF CERT BY 2/16/20
Matter ResolvedRequest
Adjourment
818/12/2020 9:00 am19-23138 / MBKSTEPHANIE RITIGSTEINMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $2,903.00
trustee order $2687.50 paid then $180 x 26 - min of $1000 to unsecured-- stay vacate on RAS properties and Credit Acceptance with trustee to treat these outside of the plan


Debtor obj<>SV/CREDIT ACCEPTANCE; FAILED TO FILE PRE-CONFIRMATION CERTIFICATION BY 1/27/20
Matter ResolvedRequest
Adjourment
828/12/2020 9:00 am19-23138 / MBKSTEPHANIE RITIGSTEINMotion Cross MotionWithdrawnTotal Paid In: $2,903.00
-need to file pre conf cert first-and withdraw cross motion ----If done we can do trustee order $2687.50 paid then $180 x 26 - min of $1000 to unsecured-- stay vacate on RAS properties and Credit Acceptance with trustee to treat these outside of the plan

DEBTOR'S CROSS MTN TO DENY TR MTN TO DISMISS AND CONFIRM MP
**MP was already denied on 7/8--proposed $180 x 26 (would pay about 75%)
Matter ResolvedRequest
Adjourment
838/12/2020 9:00 am19-25096 / MBKWarren Levy, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramWithdrawnTotal Paid In: $9,358.00
Santander obj (Gross McGinley)<>LOSS MIT/SANTANDER BANK
Matter ResolvedRequest
Adjourment
848/12/2020 9:00 am19-25147 / MBKSCOTT E KAPLAN ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/18/2020 9:00 am
Total Paid In: $35,867.00
Matter ResolvedRequest
Adjourment
858/12/2020 9:00 am19-25432 / MBKYAKOV RUDIKHMotion Impose Automatic StayGrantedTotal Paid In: $5,149.00
MTN TO REIMPOSE STAY AS TO SOCIETY HILL NORTH CONDO ASSOC
Matter ResolvedRequest
Adjourment
868/12/2020 9:00 am19-25547 / MBKAmy L Knapp Creditor Certification of DefaultWithdrawnTotal Paid In: $4,600.00
SLS (Sterwart Legal)
Matter ResolvedRequest
Adjourment
878/12/2020 9:00 am19-25697 / MBKJONATHAN GOLDSMITH-COHEN, ESQOrder Shorten TimeWithdrawnTotal Paid In: $34,800.00
Per atty, buyer is college professor and will not qualify for mtg

OST - MTN TO SELL (149 HIGHLAND TERRACE)
Matter ResolvedRequest
Adjourment
888/12/2020 9:00 am19-26343 / MBKCANDYCE I SMITH-SKLAR, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/9/2020 9:00 am
Total Paid In: $6,405.00
AMT: CLMS MTN 9/9<<<>>>


Debtor obj, filing POC and mtn to allow<>AILED TO ADDRESS PER PLANCLM/TAMAR COMMONS
Matter ResolvedRequest
Adjourment
898/12/2020 9:00 am19-26922 / MBKDAVID H LIPOWMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/1/2020 9:00 am
Total Paid In: $3,838.00
Send in more money NFA

Debtor response, mailed pymts<>ARREARS
Matter ResolvedRequest
Adjourment
908/12/2020 9:00 am19-27163 / MBKSTEPHANIE RITIGSTEINMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/26/2020 9:00 am
Total Paid In: $1,890.00
debtor is to be current in 2 weeks or case D-getting comp check EDC
Matter ResolvedRequest
Adjourment
918/12/2020 9:00 am19-27507 / MBKPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/26/2020 9:00 am
Total Paid In: $1,000.00
AMT: MP 8/26<<<>>>
Debtor obj<>PLAN DENIED ON 7/8/20; FAILED TO FILE MP NO LATER TAHN 7/18/20
Matter ResolvedRequest
Adjourment
928/12/2020 9:00 am19-28123 / MBKJoan Sirkis Warren Motion Motion (Generic) - Only use if no other event is applicableWithdrawnTotal Paid In: $8,253.00
TOYOTA MTN FOR STAY RELIEF (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
938/12/2020 9:00 am19-29635 / MBKTHOMAS G. EGNERMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/23/2020 9:00 am
Total Paid In: $6,889.00
Debtor obj<>FAILED TO ADDRESS NJ DIV TAX LATE FILED CLM; FAILED TO FILE POC ON BEHALF OF RENT A CENTER WITHIN 30 DAYS OF 2/25/20 CONF; FAILED TO FILE PRE-CONF CERT BY 3/8/20
Matter ResolvedRequest
Adjourment
948/12/2020 9:00 am19-30107 / MBKYAKOV RUDIKHMotion Impose Automatic StayGrantedTotal Paid In: $3,652.00
MTN TO REIMPOSE STAY TO NATIONSTAR MTG
Matter ResolvedRequest
Adjourment
958/12/2020 9:00 am19-30469 / MBKBRIAN L HOFFMAN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
8/26/2020 9:00 am
Total Paid In: $2,314.00
7/20 AMT: Atty will be requesting adj to 8/26, return date of mtn to reclassify Midland<<<>>>

7/9 AMT: Atty filing POC and moving against Midland #4-1. Will need Trustee Order for language authorizing pymt of PHH late filed clm <<<>>

FAILED TO ADDRESS PHH PER PLAN CLAIM
Matter ResolvedRequest
Adjourment
968/12/2020 9:00 am19-30589 / MBKTHOMAS J ORR ESQMotion to Approve Loan modificationGrantedTotal Paid In: $4,827.00
***Recommend Granting on amended Order - Doc #26***(dm)

Trustee limited obj<> MTN TO APPROVE LM/FSB
Matter ResolvedRequest
Adjourment
978/12/2020 9:00 am19-31951 / MBKKevin Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $7,326.00
Atty accepts terms
8/10 AMT: PPSD RECAP IF CLM IS PD AS FILED: $6,120 PTD (9); $1206 X 51 BEG 9/1/20)<<<>>>

PLAN WILL NOT COMPLETE TIMELY DUE TO US BANK CLM HIGHER THAN PROPOSED IN PLAN

>>Debtor OBJ.(#25)assembling bank statements to prove payments and challenge amt. of claim.
If that is not successful, they are aware plan payment needs to increase.
Matter ResolvedRequest
Adjourment
988/12/2020 9:00 am19-33040 / MBKAndrew Thomas Archer Motion to SellOrder Previously SubmittedTotal Paid In: $3,970.00
OST/MTNT TO SELL CHURCH RD--will be $6423 to unsecured EDC. If add back $10,000 extra to wife we would get $16423. Need info on property settlement agreement EDC

>>Wells Fargo #32- wants to be paid in full at closing on their 1st Mtg
Matter ResolvedRequest
Adjourment
998/12/2020 9:00 am20-10269 / MBKSTEPHANIE SHRETER, ESQMotion Motion (Generic) - Only use if no other event is applicableDeniedTotal Paid In: $8,850.00
AR NOT SERVED ON US ATTY OR ATTY GEN
MTN TO REDUCE PORTION OF IRS CLM #13-1 FOR 2019 PRIORITY LIABILITY FROM $3,984.75 TO $3,301
Matter ResolvedRequest
Adjourment
1008/12/2020 9:00 am20-10298 / MBKPRO SEMotion Relief from Stay (Fee)Moot - Dismissed
PHH MTG (RAS)
Matter ResolvedRequest
Adjourment
1018/12/2020 9:00 am20-10332 / MBKJOHN J HOPKINS, IIIMotion Convert Case to 11Continued
8/18/2020 9:00 am

Judge adjourned because no one appeared at 1PM on 8/12 EDC

7/31 workup for the 8/12 calendar EDC
-NJ Div Tax obj (Benson)<>motion to convert to 11 on for 8/12
Matter ResolvedRequest
Adjourment
1028/12/2020 9:00 am20-10392 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
8/26/2020 9:00 am

AMT: PPSD ORDER NEEDS TO BE CLARIFIED - HAS TWO DOLLAR AMOUNTS; IS THIS IN PALN OR OUTSIDE? (email sent to atty to clarify proposed order)

<<<>>>

MTN TO REDUCE PHH CLM #4
Matter ResolvedRequest
Adjourment
1038/12/2020 9:00 am20-10576 / MBKYAKOV RUDIKHMotion Relief from Stay (Fee)Continued
8/26/2020 9:00 am
Total Paid In: $2,707.00
PHH MTG (RAS)
Matter ResolvedRequest
Adjourment
1048/12/2020 9:00 am20-10783 / MBKFRANCIS P CULLARI, ESQMotion Relief from Co-Debtor StayGrantedTotal Paid In: $5,965.00
LAKEVIEW LOAN SERVICING (RAS)
Matter ResolvedRequest
Adjourment
1058/12/2020 9:00 am20-11267 / MBKWilliam H. Oliver, Jr., Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToOrder to be SubmittedTotal Paid In: $6,650.00
(AMT: This is a late filed clm- should ppsd order include language authorizing Trustee to pay the late clm?)<<>>


MTN TO MODIFY HUSZAR CLM #13 TO $10,444
Matter ResolvedRequest
Adjourment
1068/12/2020 9:00 am20-11515 / MBKWilliam H. Oliver, Jr., Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)GrantedTotal Paid In: $4,936.00
1525 WHITTY RD
Matter ResolvedRequest
Adjourment
1078/12/2020 9:00 am20-11644 / MBKWilliam H. Oliver, Jr., Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $1,536.00
OST/MTN TO RESCIND LICENSE SUSPENSION
Matter ResolvedRequest
Adjourment
1088/12/2020 9:00 am20-11908 / MBKJAY B FELDMANHearing Scheduled (Document)MootTotal Paid In: $4,692.00
Objection to Claimed Exemptions.
Matter ResolvedRequest
Adjourment
1098/12/2020 9:00 am20-11986 / MBKCANDYCE I SMITH-SKLAR, ESQMotion Relief from Stay (Fee)WithdrawnTotal Paid In: $1,031.00
PHH MTG (RAS)
Matter ResolvedRequest
Adjourment
1108/12/2020 9:00 am20-13003 / MBKJustin M. Gillman, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGrantedTotal Paid In: $4,200.00
MTN LOSS MIT PROGRAM/FAY SERVICING
Matter ResolvedRequest
Adjourment
1118/12/2020 9:00 am20-14158 / MBKSTEPHANIE RITIGSTEINMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
8/18/2020 9:00 am

MOTION TO VACATE DISMISSAL - Trustee Obj

Can reinstate if gets money to attorney for 8/18 EDC
Matter ResolvedRequest
Adjourment
1128/12/2020 9:00 am20-14529 / MBKWilliam H. Oliver, Jr., Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnTotal Paid In: $900.00
AR WAS THIS WD BY CO
Per the docket, this matter is adjourned to 8/12/20

NTC OF OBJECTION TO CLAIM GATEWAY MTG (Parker McCay)
Matter ResolvedRequest
Adjourment
1138/12/2020 9:00 am20-14618 / MBKWilliam H. Oliver, Jr., Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $13,816.00
MTN TO EXPUNGE PROSPER MARKETPLACE CLM#21-1 (DUP OF #1-2)
Matter ResolvedRequest
Adjourment
1148/12/2020 9:00 am20-16905 / MBKYAKOV RUDIKHMotion Impose Automatic StayContinued
8/26/2020 9:00 am

reimpose until 8/26th

MTN TO IMPOSE STAY OSC
OBJ BY CITADEL FUNDING---2nd case-debtors att. says circumstances have changed.
Matter ResolvedRequest
Adjourment
1158/12/2020 9:00 am20-18341 / MBKBarry Scott Miller, Esq.Motion Impose Automatic StayGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
1168/12/2020 9:00 am20-18460 / MBKEric ClaymanMotion Extend TimeGranted
MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
1178/12/2020 10:00 am15-31351 / MBKEdward Hanratty, Esq.Confirmation Hearing on Modified PlanDismissedDebtor has made 54 of 58 required payments   Arrears: $0  
Total Paid In: $8,410.00
As of 7/29/20 (DS): 1. Trustee obj to the following:
- Mod plan is not feasible, plan is proposing to pay Wells Fargo 1st mtg on Section 4c, then list on Section 7c motions as partially secured and partially unsecured and Section 8a list vesting of property upon discharge. Months remaining on 60 months is 4 months.
- Must amend Schedule I & J, per mod plan there has been a change of expenses.
- Need 2 months proof of income and 2019 tax return. Not sure why reducing Trustee payment from $155 to $150 when there are 4 months remaining.

2. Wells Fargo obj to the 4th plan proposed in bad faith, which is cramming mortgage and seeking beyond 60 months with remaining months left 4.

MP Prop $150 x 60 Base - Change of expenses. Plan reduces Trustee payment from $155 to $150.
Matter ResolvedRequest
Adjourment
1188/12/2020 10:00 am15-33990 / MBKJames J. Cerbone, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 53 of 57 required payments   Arrears: $0  
Total Paid In: $33,661.00
As of 7/30/20 (DS): Ok to confirm at $32,395 paid, $633 x 5 begin 8/1/20 Base with a minimum $2,461 to gucs

MP Prop $633 x 4 Dollar Base $2,461
- Motion for stay was granted and modified plan that was confirmed cannot be completed as filed.
- Debtor is surrendering real property small base to unsecured additional attorney fees in the plan.
Matter ResolvedRequest
Adjourment
1198/12/2020 10:00 am16-29011 / MBKJACQUELINE R ROCCI ESQConfirmation Hearing on Modified PlanContinued
9/23/2020 10:00 am
Debtor has made 41 of 47 required payments   Arrears: $8,250.00  Total Paid In: $62,000.00
issues as of 8/7/2020


1) The modified plan seeks extension of the plan under the CARES ACT. Need to file amended Schedules I&J and the 2019 tax return
- SENT EMAIL TO DEBTORS ATTORNEY

2) Need to confirm with debtors attorney the treatment of the 2nd mortgage. per the Order it appears that it is crammed to zero and at best would receive a pro rata dividend along with the other general unsecured creditors. - SENT EMAIL TO DEBTORS ATTORNEY TO CONFIRM

3) Debtor has not yet made the first payment under the modified plan to date - will check Monday to see if it has posted.

proposed plan $61,250 paid to date, $750x38 (for total plan of 84 months) base plan
paid in $61,250
arrears $6,750
in month 46
Matter ResolvedRequest
Adjourment
1208/12/2020 10:00 am17-26551 / MBKFawn B. Dyer Confirmation Hearing on Modified PlanConfirmedDebtor has made 33 of 37 required payments   Arrears: $0  

7/29 workup for the 8/12 calendar EDC

-Have only made 33 payments and has arrearage to trustee so plan needs an additional 3 payments to be 36 months

*** CAN CONFIRM AT: $48717.09 paid then $1472 x 3 beg. 8/1/20--pro rata--Residential mortgage to be paid outside due to stay lift--use trustee standard order of distribution


-MP proposes to pay Residential Mortgage pre-pet arrears but the stay has been vacated-part 9 says pay outside however. Will add language correcting this.
-need trustee order of distribution

Matter ResolvedRequest
Adjourment
1218/12/2020 10:00 am18-15793 / MBKCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 80 of 30 required payments   Arrears: $0  
Total Paid In: $13,457.00
As of 8/10/20 (DS): Confirm at $12,918.87 paid, $169 x 31 begin 9/1/20 pro rata dividend to gucs and must amend or move against the arrears mortgage claim of New Penn within 30 days.

1. Per terms on loan mod order Debtor to file amended Schedule J, which has not been filed. Must file amended Sched J. - AMENDED SCHED J FILED.

MP Prop $443 x 28, $169 x 32 Base - Plan modified to remove pre-petition mortgage arrears since debtor received a loan modification.
Matter ResolvedRequest
Adjourment
1228/12/2020 10:00 am18-19935 / MBKROBERT C NISENSON ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 26 of 28 required payments   Arrears: $0  
Total Paid In: $5,200.00
AS of 8/2/20(mk):


**CAN REC CONFIRM AT $4,800 PTD,THEN $200 X 18 BEGIN 9/1/20;100%;STANDARD ORDER OF DISTRIBUTION;PLAN LENGHT REDUCED TO TOTAL OF 45 MOS.**

MP surrenders home& proposes 200 x 33 ,base.Plan can be 1
reduced to remaining 18 mos & paid at 100%guc total $1,056.03.
Matter ResolvedRequest
Adjourment
1238/12/2020 10:00 am18-24040 / MBKDANIEL L. REINGANUMConfirmation Hearing ScheduledDeniedDebtor has made 21 of 26 required payments   Arrears: $5,781.00  Total Paid In: $34,513.00
ns
AS OF 8/4/2020 (at):

1. Need updated proof of income.

2. Need Amended I and J.

3. Need Covid Certification.

MP proposes: $34,313 paid to date, $100 x 4 beginning 7/1/2020, $1,062 x 58 beginning 11/1/2020, 0% to guc's
Payments: 22/25, arrears $4,354

- The plan provides for a 4 months then steps up $1,062 per month for the remaining duration of the plan. Plan duration extended to full 84 month CARES act term.
Matter ResolvedRequest
Adjourment
1248/12/2020 10:00 am18-25487 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 162 of 25 required payments   Arrears: $0  
Total Paid In: $16,208.00
updated as of 8/12/2020

ok to confirm at $16,208 paid to date, $100x12 begin 9/1/2020 100% plan
-sale to be completed on or before 3/1/2021
-debtor consents to Trustee releasing funds on hand to pay general unsecured claims at 100%
-need Order to pay supplemental fees
-mortgage arrears paid on account while sale pending after unsecured claims paid

ADD TRUSTEE AUTHORIZED TO RELEASE THE RESRVE FOR MORTGAGE LENDER IN AN AMOUNT SUFFICIENT TO PAY UNSECURED CLAIMS AT 100% - SALE IN 6 MONTHS

updated 8/10/2020

To resolve the Trustee objection, recommend confirming at $16,108 paid to date, $400x12 begin 9/1/2020 while sale is pending, 100% plan with general unsecured claims to be paid first
-sale to be completed on or before March 1, 2021
-mortgage arrears will be paid through plan while sale is pending
-Part

issues as of 8/7/2020

1) The Modified plan shows balance of attorney fees $4,750 - is this an additional fee? $4,226.25 paid through plan to date - are there additional fees to be paid through plan
2) Trustee objection to confirmation - need to resolve
-debtor has failed to provide amended Schedules I & J FILED AMENDED SCHEDULES 7/22/2020, HUSBAND'S INCOME IS NO LONGER BEING PROVIDED AS IT WAS WHEN CASE WAS FILED
-the debtor has failed to provide Proof of Income PROVIDED,
-the debtor has failed to provide tax returns for 2019 PROVIDED
-the modified plan improperly attempts to excuse the arrears in the amount of $512 by not proposing to repay those arrears through the proposed plan
-the modified plan does not propose to pay the required $9,697 dividend to the general unsecured creditors as determined by originally confirmed plan
3) Debtor certification in support of modified plan after confirmation
-debtor has not received support from husband
-house now being sold
-debtor will maintain current mortgage payments
Matter ResolvedRequest
Adjourment
1258/12/2020 10:00 am18-26584 / MBKLAURENCE R SHELLER, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 23 of 25 required payments   Arrears: $0  
Total Paid In: $9,290.00
ISSUES AS OF 8/5/2020 (DM): Updated 8/11/20

***NJHMFA Objection resolved OTBS - Loan Mod within 4 months and MP to pay POC arrears if Loan Mod is not obtained. TRUSTEE CAN RECOMMEND CONFIRMATION AT $8,484 PTD, THEN $400 x 37 STARTING 8/1/20, 100% PLAN, LOAN MOD WITH NJHMFA BY 12/1/20, OTBS WITHIN 30 DAYS, $769.07 UNSECURED CLAIMS SHALL BE PAID FIRST AND THEN TRUSTEE SHALL RESUME DISBURSEMENTS TO NJHMFA ON ARREARS POC (3-1)***

1) NJHMFA/Cenlar (McCabe) OBJs - $30,870.78 arrears (UNRESOLVED).


Confirmed Case: $2,400 Ptd, $406 x 53 start 4/1/19, 100% Plan
Prop. MP: Ptd, $400 x 36 start 8/1/20, 100% Plan, Loan Mod within 6 months
PTD $8,484
Last Claim (3-1) dated 10/29/18
Matter ResolvedRequest
Adjourment
1268/12/2020 10:00 am18-29961 / MBKWILLIAM S WOLFSON, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 19 of 23 required payments   Arrears: $747.00  Total Paid In: $14,268.00
7/29 workup for the 8/12 calendar EDC

-$4150 for fees in plan to Wolfson needs fee order

****CONF AT $13,550.58 paid then 732 x 39 beg. 08/01/2020 pro rata-- do not pay US Bank claim 2-1 pending loan mod--use trustee order of distribution
Matter ResolvedRequest
Adjourment
1278/12/2020 10:00 am19-13104 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 17 of 19 required payments   Arrears: $0  
Total Paid In: $9,038.00
As of 8/3/20 (DS): Ok to confirm at $8,500 paid, $250 x 18 begin 9/1/20 0% to gucs and Loan mod by 11/30/20 (arrears to be paid pending loan mod)

MP Prop $250 x 20 and Loan mod on Spar Ave by 11/30/20 - Extending time period to receive a loan modification and lowering monthly Trustee payment.
Matter ResolvedRequest
Adjourment
1288/12/2020 10:00 am19-14204 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
9/23/2020 10:00 am
Debtor has made 7 of 6 required payments   Arrears: $0  

8/11 workup for the 8/12 calendar EDC

-0 payments received in this case but $7,896.00 received from consolidated case
-objection by Morton
-case was converted from a CH 7 on 3/26/20. First month for CH13 is April 2020
** TRUSTEE OBJ:
--Need statements for Ocean First savings account.
The debtor(s) plan consists of unnecessary or excessive expense items, such as: -
Schedule I: $1,638.95 vacation fund, $30.20 vac fund, $228.80 vac fund.
- Schedule J: $335 home maintenance, $535 tele/cell/internet/cable, $400 childcare, $430
business commuter food/misc expenses.
- Form 122c: $931.24 additional housing/utilities expense taken on Line #10, $400
childcare on Line #21, $88 additional food/clothing on Line #30, $513 third vehicle
expense on Line #33d (son pays for vehicle per plan).
--Debtor has under reported gross income on Form 122c, Line #2.
- Debtor is using a household of 6 on Form 122c but only lists 1 dependent on 2019 tax
returns. Debtor attempts to claim adults as dependents on
sch I &122c.
- Income documentation provided in connection with Sch I verifies higher ($6,940) than
scheduled ($4,531).
-This higher income results in excess monthly disposable income of $3,709.58.This case
must cannot be 0%.
- Debtor's Motion to Convert to Chapter 13 provides that a plan will be proposed at $1,375
x 60, however a plan was filed for $1,316 x 60 with a $0 distribution to unsecured
creditors.
-must address obj. by Ford Motor Credit.
-debtor to provide explanation for "Mark Recov" deduction in the pay stub.
-must file pre conf.cert.

Sent email to Oliver. The revised order consolidating got kicked around because cases transferred to Kaplan. Order should have been entered by 7/10 so check status so Deb S. can set cases up. This and 20-12992 will need one more adjournment so that we can set up. EDC

As of 5/29/20 (DS) Joint admin with 20-12992 conf sched 6/3/20, order not yet provided. Debtor in arrears $1,316, no payments made out of 3.
Matter ResolvedRequest
Adjourment
1308/12/2020 10:00 am19-19651 / MBKJohn J. Hopkins IIIAP HearingJudge to Reserve Decision
AR BKCY DISM - CT TO REVIEW ID ADV SHOULD BE DISMISSED
AP 19-2061 JOING SCHEDULING ORDER/TRIAL
Matter ResolvedRequest
Adjourment
1318/12/2020 10:00 am19-19704 / MBKSEYMOUR WASSERSTRUM, ESQConfirmation Hearing on Modified PlanContinued
9/9/2020 10:00 am
Debtor has made 13 of 16 required payments   Arrears: $0  
Total Paid In: $4,821.00
AS OF 8/6/20 (SF)

trustee objection: 1. Must file Certification of Debtor in Support of Covid-19 Chapter 13 Plan Modification, amend Schedules I and J and include current proof of income for the last 60 days.

MP proposes $371 x 59 0%
Plan has run 15 months and proposes to extend to 74 months
Arrears: $1484


Matter ResolvedRequest
Adjourment
1328/12/2020 10:00 am19-20391 / MBKEdward Hanratty, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 11 of 16 required payments   Arrears: $3,076.00  Total Paid In: $8,946.00
AS OF 8/6/20 (SF)- Sent email to atty

1. The modified plan states that debtor sold the 2015 Chevrolet Silverado. Need proof of sale and proceeds
2. I and J were amended. Need current proof of income and copy of 2019 Tax Return
3. Debtor has arrears of $3926 and has not made a payment since June.
4. Trustee motion to dismiss scheduled for 8/12/20 at 9
5. Due to amended Schedule C, the non-exempt equity in real estate is now $45,389

MP proposes $6396 PTD, $1098 X 47 Base
Plan has run 15 months with 45 months remaining
Arrears: $3926
Matter ResolvedRequest
Adjourment
1338/12/2020 10:00 am19-21615 / MBKEUGENE ROTH, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 32 of 15 required payments   Arrears: $0  
Total Paid In: $9,561.00
AS of 8/3/20(mk):

**CAN REC CONFIRM AT $9,264 PTD, THEN $297 X 46, BEGIN 9/1/20;BASE;MUST FILE FEE APPLICATION FOR SUPPLEMENTAL FEES OF $400 W/IN 10 DAYS;
TRUSTEE STANDARD ORDER OF DISTRIBUTION**

MP proposes 297 x 48,Base. Plan extended to 60 mos.
Plan has run 14 mos. under original 36 mo plan.---now will have 46 remain.
Matter ResolvedRequest
Adjourment
1348/12/2020 10:00 am19-22352 / MBKDANIEL L. REINGANUMConfirmation Hearing on Modified PlanConfirmedDebtor has made 21 of 15 required payments   Arrears: $314.00  Total Paid In: $6,750.00
AS OF 8/6/20 (SF)

RECOMMEND $6750 PTD, $314 X 22 (BEGIN 9/1/20) BASE W/MIN $4639 TO GUCS, LOAN MOD BY 1/30/21
- DO NOT PAY ARREARS OR RESERVE TO US BANK TRUST
- FILE SUPPLEMENTAL FEE APPLICATION WITHIN 10 DAYS

MP proposes $1575 x 2, $300 x 34 Base w/min $4639 to gucs, Loan Mod by 1/30/21
Debtor is in a trial loan mod with final payment due by 11/1/20
Plan has run 14 months with 22 months remaining.
Matter ResolvedRequest
Adjourment
1358/12/2020 10:00 am19-22440 / MBKAndrew Thomas Archer Confirmation Hearing on Modified PlanConfirmedDebtor has made 13 of 15 required payments   Arrears: $0  
Total Paid In: $6,500.00
ISSUES AS OF 8/6/2020 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $5,500 PTD, THEN $500 x 47 STARTING 8/1/20, 100%***


Confirmed Case: $2,500 Ptd, $500 x 54 start 1/1/20, 100% Plan
Prop. MP: Ptd, $500 x 47 start 8/1/20, 100% Plan
PTD $5,500
Last Claim (5-2) dated 7/29/20
Matter ResolvedRequest
Adjourment
1368/12/2020 10:00 am19-24097 / MBKEdward Hanratty, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 3 of 14 required payments   Arrears: $6,247.00  Total Paid In: $4,357.00
8/10 AMT: MP DOC #75 WITHDRAWN. NEW MP DOC #84 FILED 8/7<<<>>>


AS OF 8/6/20 (SF)

Trustee objection:
1. The debtor has failed to provide Proof of Income.

2. It appears that the debtor is seeking an extension of plan duration under the CARES Act.
However, said Act does not provide an automatic right to extend plan duration past 60 months.
The debtor must establish that he/she is experiencing a "material financial hardship" as a result
of the COVID-19 pandemic. The debtor has not provided sufficient evidence as to why an
extension of plan duration is justified. Based upon the foregoing, Confirmation should be denied
unless the debtor files a COVID-19 Certification in Support of Chapter 13 Plan Modification that
provides sufficient evidence to establish that the debtor has suffered a material financial
hardship as a result of COVID-19.


MP proposes $3757 PTD, $200 x 15, $617 x 58 Base Loan Mod in 6 months
Plan has run 13 months and plan proposes to extend to 84 months
Arrears: $3081 thru August


Trustee COVID Obj filed
Matter ResolvedRequest
Adjourment
1378/12/2020 10:00 am19-29716 / MBKCarlos D Martinez Confirmation Hearing on Modified PlanConfirmedDebtor has made 12 of 11 required payments   Arrears: $0  
Total Paid In: $15,188.00
7/29 workup for the 8/12 calendar EDC--NFA

*** WE CAN COMPROMISE AT: $13,388 paid then $1300 x 50 beg 9/1/20-refinance by 8/1/21---min $42090 to unsecured---trustee to not pay secured claims of Discover, NJ and Portfolio pending refinance--pre conf cert in 10 days


- amended POI and Covid cert a few days ago-lost job which reduces income but income is still higher than scheduled. The latest paystubs show $5279 in monthly disposable income ($2444 bi weekly) and the tax refund is higher than amount on schedule I. There is $1191 in monthly income. ******IF $700 CHILDCARE EXPENSE SUBSTANTIATED WE CAN COMPROMISE AT: $13,388 paid then $900 x 23 beg 8/1/20 then 1973 x 28 beg 7/1/22-refinance by 7/1/21--debtor to supply updated proof of income in 180 days--min $42090 to unsecured

* need proof of $700 in childcare cost. Is wife working?
*part 4g says Portfolio, NJ and Discover getting paid through plan but also says pay via refinance. Is this just getting paid at closing?
* Trustee Objection:
-Schedules fail to account for the debtor's tax refund of $6,531.00 when determining disposable income.
-Need to file Pre-Confirmation Certification.
-No claim filed by the 2nd Discover Bank judgment. Cannot pay if no claim.

MP $8455 PTD; $500 X 24; $1573 X 28 BEG 7/20; REFI W/IN 12 MO AFTER CONF (72 LOCUST AV); MIN $42,090.83
-------------------------------------------------------------
$1,950/month mortgage payment (per statement it is $1,402);(AMENDED I)
--Reviewed the 122C, Line 16 (Taxes) should be $3,178, Line 20 (education) requires
proof/documentation, Line 25 (Health insurance) should be $454, Line 30 (additional
food/clothing expense) requires documentation. Per the 122C, monthly dispos. income is $2,469 which requires min. dividend of
$148,142 to general unsecured creditors.(OK to use I & J changed circumstances)
--$1,400/month for childcare/education(print out provided- does not match up to 1200 per month---sent updated proof shows $914 tuition plus other bil
Matter ResolvedRequest
Adjourment
1388/12/2020 10:00 am19-30325 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
9/15/2020 10:00 am
Debtor has made 7 of 6 required payments   Arrears: $0  

issues as of 8/7/2020

1) Trustee objection to confirmation - need to resolve
-need a copy of the 2019 tax return on or by 8/15/2020 NOT PROVIDED TO DATE
-need to provide valuation of timeshare NOT PROVIDED
-the debtor is not paying all disposable income into the plan - excessive expense on Schedule J $990/transportation - need supporting documentation of expense NOT PROVIDED
-debtor has timeshare and 341 testimony was maintenance costs are $1,700 per year. This is not on Schedule J but that is a luxury expense and the Trustee objects
-income verifies higher than scheduled DISPOSABLE NET IS $4,697.11 DEBTOR PROVIDED CURRENT PROOF OF INCOME FROM NBC THAT IS NOT ON SCHEDULE I AND THE EPE INCOME VERIFIED HIGHER
-the schedules fail to account for the debtors tax refund in the amount of $1519 when determining disposable income
-need Order showing debtors obligation to pay $1,616 alimony NOT PROVIDED
-need proof that debtor is paying $400/month for taxes NOT PROVIDED
-bank statements show multiple mobile deposits, what is the source of this income - September 17, 2019 statement shows $1,729.95; October 18, 2019 statement shows $6,435.87; November 15, 2019 statement shows $1,568.46. Need Certification from debtor as to income from freelance work NOT PROVIDED
-need domestic support form- debtor pays alimony NOT PROVIDED
-must file Pre Certification with Court RESOLVED, FILED

proposed plan $360x60 base plan
paid in $2160
last claim 8
Matter ResolvedRequest
Adjourment
1398/12/2020 10:00 am19-30986 / MBKJ. Todd MurphyConfirmation Hearing on Modified PlanConfirmedDebtor has made 2 of 10 required payments   Arrears: $588.00  Total Paid In: $1,464.00
8/17/20 AMT: Filed status ch form to amend minutes from dismissed to HR/error in matter disposition

NS
AR RESOLVE OR HOLD
issues as of 8/6/2020

1) To resolve Trustee objection, need to confirm at $1,263.54 paid to date, $688x27 begin 9/1/2020 which includes minimum $4600.11 dividend to general unsecured creditors

2) State of NJ did not file secured claim, plan provision to pay $2004- RESOLVED, CLAIM REMOVED IN MODIFIED PLAN

3) Trustee OBJ:
- Verified income leaves a monthly net balance of $688.
- The $2,091 tax refund was not prorated and included in the disposable income calculation.
- There is $13,177.60 in non-exempt equity in the real estate. MORTGAGE CLAIM HIGHER $236,156.49 REDUCING NON EXEMPT EQUITY TO $4,600.11
- Need to file Pre-Confirmation Certification RESOLVED, FILED

Prop. Plan $166.22 x 60, Base Plan, Loan Mod by 10/30/20
paid in $1263.54
arrears $332.44
last claim 4
Matter ResolvedRequest
Adjourment
1408/12/2020 10:00 am19-31689 / MBKCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing ScheduledContinued
10/28/2020 10:00 am
Debtor has made 10 of 10 required payments   Arrears: $0  

ADJ to 10/28/20 Peremptory
As of 6/14/20(mk): Per atty Adv Pro Mediation is 7/17/20.

>> NEED ADV PRO to Be RESOLVED TO SEE IF CASE IS FEASIBLE:NEED STATUS OF AP<

1. Objection by City of Trenton(Goldenberg): POC IS $47,704- ( DEBTOR FILED ADV. Pro. to Void Transfer. JT Sch. Order :discovery by 8/7/20: trial 10/15/20. Peter Broege is appt Mediator on 5/26/20)
city completed In rem foreclosure- has Judgment Tax sale.
-plan not feasible.

2. Trustee Objection:( STILL)
-need updated soc.sec. card that shows correct debtor's name( Filed doc #10- has full #- NEEDS TO BE REDACTED)
- Must file Pre-confirmation certificate.
-------------------------------------------
-need updated auto insurance, insurance expired 11/15/19.(Provided).
- need Bank statements from TD Bank checking and savings account, prior to filing dates.(Provided).
-need 2019 Tax return by 8/15/20.(Provided).
- need Valuation on 2 Hondas listed on Sch.B. (Provided W/ repair invoices-OK).

Plan:$640.69 x 60 Base
payments:7/7
last claim:12-1 bar date:1/27/20
Matter ResolvedRequest
Adjourment
1418/12/2020 10:00 am19-33262 / MBKSTEVEN J ABELSON, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 5 of 9 required payments   Arrears: $1,672.00  Total Paid In: $8,430.00
ISSUES AS OF 8/5/2020 (DM): Atty ok with terms. Yes, pay BMW claim.sf

***If paying BMW $710 arrears claim, THEN TO CONFIRM THE DEBTOR NEEDS $8,430 PTD, THEN $1,672 x 52 STARTING 9/1/20, BASE PLAN, ADD TO CONFIRMING ORDER: ORDER OF DISTRIBUTION IS PER PLAN***

1) Angelo Spargifore filed $19,047.90 secured judgment not treated in plan - MP proposes secured unaffected treatment to a Gary Spagliore which is not the same person (CO SUBMITTED 7/9/20 TO TREAT OUTSIDE THE PLAN).

2) 1st Merchant Funding filed $79,645.94 secured (UCC-1) claim on present and future sales receipts not treated in plan - there is a Motion to Modify pending 7/28/20 (MOTION GRANTED - CLAIM MODIFIED TO GUC).

3) JP Morgan Chase (PHELAN) OBJs - $56,332.96 arrears (MP PAYS).

4) Regional Acceptance filed $709.57 arrears claim on 2015 BMW X5 (OKAY TO PAY??)

5) Trustee OBJ:
- Debtor has insufficient income - disposable income verifies at -$217 per month.
- Excessive Expenses: $697 car payment (MOOT).
- Need a copy of 2019 tax returns by 8/15/20.
- Need proof of insurance for 2015 BMW (RECEIVED).
- Need a MP that includes all DSO (NO POC FILED).
- Need proof of service on the IRS cram (FILED).
- Need to file Pre-Confirmation Certification (FILED).
- Need to resolve the estimated claim filed by the IRS (AMENDED).

 The debtor's Plan proposes an order of distribution that departs from Trustee standard (ADD PER PLAN DISTRIBUTION TO THE CONFIRMING ORDER).


Prop. Plan $5,124 Ptd, $1,656 x 54, Base Plan
PTD 8/8 = $8,430
Last Claim (1-2)
Matter ResolvedRequest
Adjourment
1428/12/2020 10:00 am19-33871 / MBKJonathan Stone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 9 required payments   Arrears: $0  
Total Paid In: $2,802.00
7/30 workup for the 8/12 calendar
Trustee agrees to CONFIRM AT: *** $1051.99 paid then $1600 x 52 beg 9/1/20-pro rata
- 8/18/20 (sf) Pay arrears to Santander per order dated 5/21/20. No distributions shall be made on the bifurcated unsecured portion of the proof of claim.
-8/18/20 (sf) M&T Bank filed secured claim with zero arrears. No distributions shall be made on the bifurcated secured and unsecured portions of proof of claim.



***ADJ TO 8/12/20 PEREMPTORY*** No progress in resolving the trustee's objections since April

1) Santander Consumer USA Inc (Morton) objection to confirmation - need to resolve
-plan is silent and does not provide for payment of pre-petition arrears $808.10 (OTBS)
2) Trustee objection to confirmation - need to resolve
-need Proof of 2 month's income - PROVIDED THE SAME INCOME - DEBTOR VERIFIED AT $5,531/72 AND CODEBTOR VERIFIED AT $3757(5 stubs provided but one of them is for one day, dont divide by 5 need to divide by 4 -
-pension 401k loan statement showing balance due PROVIDED STATEMENT, WILL BE PAID 2/1/2021 NEED TO RAISE PLAN PAYMENT BY $150 BEGINNING 2/1/2021
-the debtor is not paying all disposable income into the plan - excessive expense on Schedule J $568/telephone, cell phone TRUSTEE WILL ALLOW $450; $1,000/medical, dental FAILED TO PROVIDE PROOF OF THIS MONTHLY EXPENSE; $125/pet supplies, vet TRUSTEE WILL ALLOW EXPENSE
-income verified much higher than what is listed on Schedule I for both debtors AFTER ADJUSTING SCH J TO $6,099.48 DUE TO TRUSTEE OBJECTION, THE UPDATED EXCESS NET BALANCE $2,738.47
-disposable net income is $1,620.47, must pay 60 months of disposable income into plan AFTER ADJUSTING SCH J PER TRUSTEE OBJECTION, DISPOSABLE INCOME IS MUCH HIGHER AT $2,738.47
3) Form 122c Line 43 also deducts $1,000 for periodontal and lower intestine issues needing medical care - there's nothing provided to the Trustee regarding this expense as requested in the Trustee objection. It was noticed that the same expenses i
Matter ResolvedRequest
Adjourment
1438/12/2020 10:00 am20-10098 / MBKJohn M. Kenney, Esq.Confirmation Hearing ScheduledContinued
9/23/2020 10:00 am
Debtor has made 9 of 8 required payments   Arrears: $0  

Debtor attorney requested adjournment, needs additional time to resolve Trustee obj.


AR I MAY HAVE ASKED THIS QUESTION TO ATTY , WHAT IS THE REASON FOR A 13

As of 8/10/20 Debtor attorney requested adjournment, request denied, form is blank.

As of 8/5/20 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income Verified income leaves monthly disposable income of -$22.51.
- Need copy of 2019 tax return.
- Excessive expenses on Schedule J such as: $730 Medical/dental (must provide proof) and $329 Life insurance.
- Must file Pre-Confirmation Certification.
- Need to resolve estimated claim filed by the IRS. Plan treats IRS as Secured, the claim filed is for priority unsecured & general unsecured.

Prop Plan $75 x 60 Base
Matter ResolvedRequest
Adjourment
1448/12/2020 10:00 am20-10160 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 4 of 8 required payments   Arrears: $0  

AS OF 8/12/20 (SF) UPDATED

STILL NOT CURRENT WITH PAYMENTS 4/7 ARREARS: $1200 (PLAN IS NOT FEASIBLE DUE TO CASCADE FUNDING CLAIM)

1. Objection just filed 8/11/20 by Cascade Funding (Jessica Berry) - plan does not include payments toward mortgage account with secured creditor. fails to state whether the loan will be paid directly or if property will be surrendered

2. Cascade Funding Mtg Trust 2017-1 filed secured claim 6-1 for $290,534.08 which is not addressed in plan

3. Cazenovia Creek Funding I, LLC did not file a claim. The bar expired on 3/16/20 (Should claim be stricken from plan?)

4. Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $718 vehicle insurance, $300 spouse credit card payments (need proof).
-Proof of income for the non-debtor spouse verifies higher ($5,407.73) than scheduled ($4,296.05).
The Schedules fail to account for the debtor(s) tax refund in the amount of $4,572 when determining disposable income.
- The current Plan does not specify treatment of Cascade Funding/Statebridge Co under the Plan.
- Need calculation for 401k loan deductions and projected term expiration. (401k loan 3 expired on 5/11/20 and additional $199.75 is available. 401k loan 2 expires 5/12/22 and additional $301.98 will be available)
- Need HUD /Settlement statements for sale of Glenwood Rd property (STILL NEED)

Plan proposes $400 X 12, $650 X 48 Base, Loan Mod by 8/1/20
Payments: 4/7 Arrears: $1200

RESOLVED ISSUES:
- A copy of the last filed tax return - : Need 2019 tax return for spouse by 8/15/20 (RECEIVED)
- Need January bank statement for First Financial account (not transaction history) (RECEIVED)
Matter ResolvedRequest
Adjourment
1458/12/2020 10:00 am20-10392 / MBKEdward Hanratty, Esq.Motion CompensationOrder to be Submitted
attorney to submit order reducing fees by 10% EDC

trustee obj; atty response--Counsel needs to explain the need to file multiple amended schedules, B, C, I & J on 2/21/20, 2/28/20, 5/18/20, 6/24/20 and 6/30/20.--filed response 7/27 EDC
Matter ResolvedRequest
Adjourment
1468/12/2020 10:00 am20-10483 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
9/1/2020 10:00 am
Debtor has made 18 of 8 required payments   Arrears: $0  

proposed compromise---Adj to 9/1/20 debtor to make a payment of $4500 and be set up for epay/ewage at $4500 going forward by that date. If done. We can adjourn an addt 60 days EDC

7/30 workup for the the 8/12 calendar

same issues as of 6/29/2020--not feasible due to tax claims---WOULD NEED OVER $7500 MONTHLY

-objection by SN Servicing-4/16/20 consent order to pay arrears-no more loan mod

1) Wells Fargo Bank (Phelan) objection to confirmation - RESOLVED OTBS, PAY ARREARS PER FILED CLAIM THROUGH PLAN
2) State of NJ, Division of Taxation -objection to confirmation - need to resolve-secured claim $233,633.95
-estimated priority claim (A-1 Custom Detailing) AMENDED CLAIM FILED 4/23/2020 NO PRIORITY CLAIM
-general unsecured claim $24,520.45
3) USA/IRS objection to confirmation - need to resolve
-secured claim $99,470.31
-priority claim estimated for 2019 taxes (AMENDED CLAIM FILED TODAY 8/12/20, NO LONGER ESTIMATED)
4) Not current with Trustee plan payments
5) Trustee objection to confirmation - need to resolve
-the debtor has failed to file a feasible plan - there is a foreclosure judgment on residence, arrears on rental property, huge tax debt and no where near enough income to resolve this
-need a modified plan that addresses arrears claim filed by Wells Fargo on Abbey Land property
-excessive expenses - $775/health insurance - need proof of payment
-must address objections by Wells Fargo Bank; State of NJ, Division of Taxation and the IRS
-information/accounting for estate of Joseph Adamo
-non exempt proceeds, if applicable, from the Estate of Joseph Adamo to be paid to Trustee
-income verifies less, $8,511.80 than scheduled amount of $9,070.96

proposed plan $400x60 loan mod by 12/1/2019 base plan
paid in $1,100
arrears $900
last claim 6-1

Matter ResolvedRequest
Adjourment
1478/12/2020 10:00 am20-10786 / MBKDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
9/23/2020 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $1,000.00  
nfa
 8/11/20 - OKAY TO PAY 100% TO RESOLVE TRUSTEE OBJECTION, BUT STATE OF NJ PRIORITY POC IS STILL ESTIMATED (dm)

ISSUES AS OF 8/6/2020 (DM):

 6/24/20 - Adj to 7/8/20 to make payments - if received, we can Adj to August (EDC).

1) Trustee needs to receive all non-exempt sale proceeds pursuant to the partition (ORDER ENTERED).

2) State of NJ filed $6,068.56 priority claim that includes estimated taxes for 2019 (UNRESOLVED).

3) State of NJ filed $4,179.24 secured claim not treated in plan (OKAY TO ADD?? - Yes)

4) Nationstar (RAS) OBJs - $1,468.48 arrears on Division St property (PER ATTY, OKAY TO PAY).

5) Claudine Intelisano, co-owner of Sea Point Dr, obtained stay relief and permission to sell property in partition action - Order provides that debtor's proceeds from sale shall be turned over to the Trustee - Need a MP to treat US Bank POC (2-1) outside the plan (MP CORRECTS).

6) Capital One Auto filed $10 arrears claim on 2012 Honda CR-V (OKAY TO PAY?? - Yes)

7) Solar Mosaic filed $27,546.66 secured claim not treated in plan (PER ATTY, OKAY TO PAY).

8) Trustee OBJ:
- Need docs for current DSO obligation (RECEIVED DOC SHOWING NO ARREARS BUT WE DO NOT HAVE DOC SHOWING ONGOING OBLIGATION OF $1,412 PER MONTH).
- Need 2019 tax return (UNRESOLVED).
- Debtor has exceeded 522(d)(5) exemption by $12,475.
- Excessive Expenses Sch J: $4,691 for NY property that's not generating sufficient income and $2,170 for mtg payment on Seapoint Dr property that is currently being sold.
- Trustee needs to receive all non-exempt sale proceeds pursuant to the partition (ORDER ENTERED).
- There is equity of approximately $397,086.75 in the debtor's various properties - plan should be 100%.

Note: Homeowner insurance for Point Pleasant property provided.


Prop. Plan $500 x 60, Base Plan,
- Stay Relief entered - proceeds from sale of Sea Point Dr to Trustee
PTD 6/7 = $3,000
Last Claim (11-1)
Matter ResolvedRequest
Adjourment
1488/12/2020 10:00 am20-10911 / MBKEdward Nathan VaismanConfirmation Hearing on Modified PlanConverted to 7 / 11Debtor has made 1 of 8 required payments   Arrears: $0  

Vaisman sent email that he wans 10 days to convert to 7
AR RESOLVE OR HOLD
7/31 workup for the 8/12 calendar EDC

Can COMPROMISE PER BELOW AND CONFIRM AT: $690 PAID THEN $700 X 54 REMAINING-PRO RATA-LM BY 2/1/21-pre conf cert in 10 days>>OTBS with Quicken mortgage in 30 days


1. Santander/Chrysler Capital filed a secured arrears claim #6 in the amount of $701.84 which is not in the plan. Is it ok to pay this claim?
2. Trustee's objection:
- Proof of 2 month's income - (updated paystubs for Marh and April show over $1100 in disposable now)
The debtor(s) plan consists of unnecessary or excessive expense items, such a $500 to IRS under schedule J. This needs to be removed because IRS filed a claim(not done)
- must address the IRS claim for the estimated portion for 2019. (DONE)
- must file pre conf cert. (NOT FILED)

Plan proposes: $115 x 60, base, loan mod within 6 months of confirmation
Payments: 4/4
Matter ResolvedRequest
Adjourment
1498/12/2020 10:00 am20-10959 / MBKSCOTT D SHERMAN ESQConfirmation Hearing ScheduledContinued
9/15/2020 10:00 am
Debtor has made 11 of 8 required payments   Arrears: $0  

ISSUES AS OF 8/5/2020 (DM): Updated 8/10/20 - payment received - Adj to 9/15/20 for MP that was filed.

 8/6/20 - Amended Sch C filed creates $8,643 non-exempt equity in real estate.

 Adj to 8/12/20 Peremptory to resolve disposable income.

 6/5/20 - PennyMac (FEIN) filed Notice of Mtg Forbearance ending 7/31/20.

1) Fidelity National (Christopher Balala, Esq) OBJs to cram of judgment (UNRESOLVED).

2) PennyMac filed $1,391.34 arrears claim (OKAY TO PAY??)

3) Order of Distribution departs from Trustee standard.

4) Trustee OBJ:
 Need $600 tier increase when the Mercedes loan is paid off in August 2020.
 Tax refund of $15,375 was not fully prorated and included in disposable income calculation - $774 disposable income.
- Debtor needs to supply proof of child support (RESOLVED, PROVIDED ORDER).
- Debtor needs to provide a certification of service on all plan cramdowns (FILED).
- There is $38,100 equity in real estate (REDUCED TO $536 - NBT LIEN WAS NOT DEDUCTED IN LIQUIDATION ANALYSIS).
- Need an appraisal on the classic cars (TOTAL VALUE $11,300 - NO EXEMPTION AVAILABLE).
- There is $25,000 in equity in autos, guns and checking account (TOTAL NON-EXEMPT EQUITY ADJUSTED TO $13,136).


Prop. Plan $200 x 4, $532 x 56, Base Plan
- non exempt proceeds from workers comp claim
PTD 5/7 = $1,332
Last Claim (5-2)
Matter ResolvedRequest
Adjourment
1508/12/2020 10:00 am20-11045 / MBKJACQUELINE R ROCCI ESQConfirmation Hearing ScheduledContinued
8/18/2020 10:00 am
Debtor has made 3 of 8 required payments   Arrears: $1,417.00  Total Paid In: $6,505.00
***MP filed and scheduled for 8/18/20 - need adjournment request (dm)***

As of 6/4/20 (DS): Debtor attorney requested adjournment to resolve claim and file amended scheds and mod plan. Adjourned peremptory, no further adjournments, must resolve all issues.

As of 6/3/20 (DS): Debtor in arrears $1,900, made 2.89 payments out of 5.

As of 4/2/20 (DS): Debtor attorney requested adjournment to resolve estimated claims.

4/8/20 (DS):

1. Trustee obj to the following:
- Proof of income provided from spouse verifies that there is disposable income $5,957.83, Debtor income $5,269.87 and spouse $7,631.20, minus expenses $6,943.24, leaves disposable income $5,957.83..
- Need 2019 for Debtor and spouse.
- Must amend 122C-1 and Schedule I to add spouse income, which may be above median, since spouse income is high and amend attorney disclosure to mark off attorney will be paid through plan or mod plan to remove attorney fees to be paid.
- Need service on motions in Plan to State of NJ and Office of Attorney General.
- Must resolve IRS (2019 not filed) and State of NJ (2018 not filed) estimated claims.
- Excessive expenses on Schedule J such as: Auto insurance $829 and car payment $548. Leaving disposable income $6,357.83. Bar date has passed, total gucs filed $99,953.73.
- Must file Pre-confirmation certificate.

Prop Plan $900 x 60 Base
Note: POI for Debtor and spouse, plus 2018 for spouse and bank statements provided (no non-exempt equity in bank accts).
Matter ResolvedRequest
Adjourment
1518/12/2020 10:00 am20-11267 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 8 required payments   Arrears: $964.00  Total Paid In: $6,650.00
AR RESOLVE OR HOLD
AS OF 8/11/20 (SF) UPDATED


If creditor objection is resolved RECOMMEND $5700 PTD, $950 X 43 (BEGIN 9/1/20) 100% PLAN
- NEED ORDER RESOLVING MOTION TO MODIFY CLAIM OF KIMBERLY HUSZAR WITHIN 30 DAYS
- FILE PRE-CONFIRMATION CERTIFICATION


1. Objection filed by Lakeview Loan Servicing (RAS Citron) - failure to pay arrears of $20,054.28

2. Kimberly Huszar filed late claim 13-1 for $56,670. (No support documents provided) The plan proposes to pay $30,000 (Motion to Modify Claim filed and scheduled for 8/12/20 at 9) -OTBS

3. Trustee objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Reviewed the 122C, Line 9c (Net mortgage should be $621, Line 16 (taxes) should be $2,957, Line 19 (court ordered payments) requires proof and Line 30 (additional food) requires documentation. Left $2,060.70 in the calculation pending proof. Per the 122C, monthly disposable income is $1,375 which would require a minimum dividend of $82,521 to general unsecured creditors. (PROOF OF SUPPORT PROVIDED AND AMOUNT IS $1693.03)
- Need to file Pre-Confirmation Certification.
- Attorney Disclosure Statement needs to be amended. Checks off that balance of fee will and will not be paid through the plan.


Plan proposes $950 x 60 0%
Payments: 6/7 Arrears: $950

RESOLVED ISSUES:
- The IRS filed estimated priority claim 3-1 (AMENDED)
- Domestic Support Obligation information and court order/proof of alimony and child support. (RECEIVED)
$833/month in alimony (need proof/court order)
$1,027/month in child support (need proof/court order)
- CVI SGIP Acquisition Trust/Sterling Jewelers filed secured claim 5-1 for $593.23 with zero arrears. This claim is not addressed in the plan (ORDER ENTERED RECLASSIFYING CLAIM TO UNSECURED)
-A copy of the last filed tax return - 2019 by 8/15/20 (RECEIVED)
Matter ResolvedRequest
Adjourment
1528/12/2020 10:00 am20-11362 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 8 required payments   Arrears: $0  
Total Paid In: $8,055.00
AR RESOLVE OR HOLD - Atty ok with terms.sf
ADJ TO 8/12/20 FOR DM WORK-UP

ISSUES AS OF 7/29/2020 (DM): Updated 8/5/20

***TO CONFIRM, DEBTOR NEEDS $6,790 PTD, THEN $1,265 x 53 STARTING 9/1/20, MINIMUM DIVIDEND OF $4,217, OTBS WITH AMERICREDIT/GM FINANCIAL, OTBS WITH NATIONSTAR MTG***

1) Nationstar (RAS) OBJs - $47,773.14 arrears (OTBS TO PAY).

2) AmeriCredit (MORTON) OBJs to cram of 2014 Chevy Traverse (OTBS - $10,200 GROSS, AP OF $89 STARTING 2/1/20).

3) IRS filed an estimated priority claim for 2019 (AMENDED TO $0).

4) Trustee OBJ:
- Debtor has insufficient income.
- Need pension loan statement for Co-Debtor - docs provided is from 12/31/18 (LOAN PAID OFF).
- Need Dec bank statement for Ocean First acct ending in 0778 (RECEIVED).
- Need certification that debtors are not pursuing medical malpractice claim (RECEIVED).
- Need 2019 tax return.
- There is $4,217 non-exempt equity in bank acct.

Note: AmeriCredit/GM service moot - obj filed by creditor. Homeowner and auto insurance provided.


Prop. Plan $970 x 60, 0% Plan
PTD 7/7 = $6,790
Last Claim (3-2)
Matter ResolvedRequest
Adjourment
1538/12/2020 10:00 am20-11375 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 7 of 8 required payments   Arrears: $0  

ADJ REQUEST 8/10 IS LATE
7/29 workup for the 8/12 calendar EDC
*NOTHING DONE SINCE JUNE-STILL 4 P ARREARS

1) Ferrari Investment/Woodmont Amboy Urban Renewal LLC d/b/a Woodmont Cove (Griffin Alexander) objection to confirmation - need to resolve--order pays pre and post petition in plan along with att fees--RESOLVED
2) Not current with Trustee plan payments, arrears $1,636--4 payments arrears which is the same as last time
3) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income to fund plan
-need to provide proof of 2 months income
-need a copy of the 2019 tax return by 8/15/2020
-need amendment to Schedule C, I and 122C as they are blank and J to remove child support
-the debtor's plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution
-please file pre confirmation certification with court

proposed plan $469x18, $200x42 non exempt proceeds to Trustee base plan
paid in $918
arrears $1377
last claim 8
Matter ResolvedRequest
Adjourment
1548/12/2020 10:00 am20-11413 / MBKPRO SEOrder Vacate Dismissal of CaseDismissedDebtor has made 11 of 8 required payments   Arrears: $0  

PER PHELAN - CLAIM WILL BE WD
AR TO BE HELD FOR JUDGE AND SHOULD ARGUE CLAIMS MOTION IF CASE PROCEEDS
of 8/5/20 (DS): 1. Trustee obj to the following:
- Need proof of income for November and December for Debtor and spouse if spouse is employed) and 2019 tax return, if not filed must provide no later than 8/15/20.
- Modified Plan that pays 60 months disposable income into plan (above median), completes Part 5a, Part 8a, 8c, 8d and correctly lists cures under Part 4a.
- Amendments to Schedule C (filed blank) and Schedule A to list 331 School House Rd property.
- 22c has disposable income on Line 45 of $1,404 which requires min. $84,240 dividend to gucs. Bar date has passed and total unsecured creditor claims filed $8,802.08.
- Plan needs to run 60 months pursuant to the B22C form and must include proposed sale date for property.
- Need to add Trustee standard order of distribution.
- Must file Pre-confirmation certificate.

2. Wells Fargo (331 Schoolhouse Rd) obj to not in plan and arrears $5,598.59 not paid. Claim filed, no docs provided on this property.

ns

AR ATTY FOR B OF NY CONCURS WITH RECOMMENDATION AND REQUEST APPEARANCE IF HELD FOR JUDGE

AR THIS PLAN IS NOT FEASIBLE - PRIOR CASE DISM AFTER CONF

REC PLAN DENIED AND CONSULT WITH ATTY MP WI 21 DAYS

As of 6/3/20 (DS): 1. Debtor in arrears $300, made 3 out of 5 payments.

2. Trustee obj to the following:
- Need proof of income for November and December for Debtor and spouse if spouse is employed) and 2019 tax return, if not filed must provide no later than 8/15/20.
- Modified Plan that pays 60 months disposable income into plan (above median), completes Part 5a, Part 8a, 8c, 8d and correctly lists cures under Part 4a.
- Amendments to Schedule C (filed blank) and Schedule A to list 331 School House Rd property.
- 22c has disposable income on Line 45 of $1,404 which requires min. $84,240 dividend to gucs. Bar date has passed and total unsecured creditor claims filed $8,802.08.
- Plan needs to run 60 months
Matter ResolvedRequest
Adjourment
1558/12/2020 10:00 am20-11632 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 8 required payments   Arrears: $350.00  Total Paid In: $2,450.00
ISSUES AS OF 8/6/2020 (DM): Updated 8/12/20

***IRS POC amended to $0 on 8/12/20. TRUSTEE CAN RECOMMEND CONFIRMATION AT $2,100 PTD, THEN $350 x 35 STARTING 8/1/20, MINIMUM DIVIDEND OF $2,867 (Note - total plan term of 41 months)***

 All tax returns referenced below uploaded - need amended POC or move against the POC (dm).

1) IRS filed $18,949.60 priority claim not treated in plan that includes estimated taxes for 2016 thru 2019 (UNRESOLVED).

2) Trustee OBJ:
- There is $2,867 non-exempt equity in the real estate.
- Need current homeowner's insurance - policy expired 1/14/20 (RECEIVED).


Prop. Plan $350 x 36, Base Plan
PTD 6/7 = $2,100
Last Claim (14-1)
Matter ResolvedRequest
Adjourment
1568/12/2020 10:00 am20-11641 / MBKBRUCE H. LEVITTConfirmation Hearing ScheduledContinued
9/23/2020 10:00 am
Debtor has made 7 of 8 required payments   Arrears: $0  

 8/12/20 - IRS taxes amended but State of NJ taxes still estimated.

AR RESOLVE OR HOLD
ISSUES AS OF 8/5/2020 (DM):

***If debtor files 2019 federal and state taxes and gets both claims amended to remove the estimated notations, she would only need $1,859 x 54 starting 8/1/20 to pay 100%***

 MP filed 7/7/20 scheduled for 8/12/20 - need adjournment request

1) IRS filed $16,944.87 priority claim that includes estimated taxes for 2019 (UNRESOLVED).

2) Need service on IRS for lien strip on filed secured claim (MP REMOVES CRAM AND PROVIDES PAY IN FULL TREATMENT IN PART 4g).

3) MP proposes $5,005 priority treatment to State of NJ - State of NJ filed $12,245.50 priority claim that includes estimated taxes for 2019 (UNRESOLVED).

4) Capital One Auto filed $694.82 arrears claim on 2019 Kia Sorento (MP PAYS)

5) Wells Fargo filed $137.29 arrears claim on 2013 Kia Soul (MP PAYS)

6) Trustee OBJ:
- Need a MP that provides 100% and removes plan motions (MP FILED).
- Excessive Expenses - Sch J: $694 car payment (allowed $508).
- Line #45 of Form 122c reflects $2,329 disposable income which requires $139,751 min div (MP is 100%).
- There is $13,127 non exempt equity in real estate - no (d)(1) exemption taken.
- The debtor has failed to provide proof of service with respect to Plan Motions (MP REMOVES MOTIONS).
- Must file Pre-Confirmation Certification (FILED).


Prop. Plan $1,400 x 5, $1,969.39 x 55, 100% Plan
PTD 6/7 = $8,969.39
Last Claim (13-1)
Matter ResolvedRequest
Adjourment
1588/12/2020 10:00 am20-11731 / MBKANDREW G. GREENBERG, ESQ.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 8 required payments   Arrears: $0  
Total Paid In: $5,587.00
ISSUES AS OF 8/6/2020 (DM): - Atty ok with terms.sf

***TO CONFIRM, THE DEBTOR NEEDS $4,716 PTD, THEN $871 x 53 STARTING 9/1/20, MINIMUM DIVIDEND OF $1,000; ADD TO CONFIRMING ORDER: STRIKE PRIORITY PLAN TREATMENT OF FNA DZ LLC AND PAY PER SECURED POC (3-1), TRUSTEE STANDARD ORDER OF DISTRIBUTION***

 5/26/20 (DS): Attorney requested Adj to file MP - debtor current & homeowner insurance received.

1) Plan provides $2,195 priority treatment to FNA DZ LLC - secured POC (3-1) filed for $2,195.91 (PAY PER POC??)

2) CVI SGP-Co Acquisition Trust (Sterling Jewelers) filed $3,538.17 secured claim not treated in plan (MP SURRENDERS).

3) Wilmington Savings filed a higher $40,066.67 arrears claim on Applegate Lane property (MP PAYS).

4) Trustee OBJ:
- Debtor has failed to file a feasible plan - plan payments are not enough to pay claims.
- Need DSO information (RECEIVED - NON-DEBTOR SPOUSE IS OBLIGOR).
- Need 2019 tax return by 8/15/20 (RECEIVED).
- Need updated homeowner insurance - policy expired 4/24/20 (RECEIVED).
- There is $1,000 non-exempt equity in personal property.
- Need Trustee standard Order of Distribution.
- Need to file Pre-Confirmation Certificate (RECEIVED).


Prop. Plan $646 x 6, $840 x 54, Base
PTD 7/7 = $4,716
Last Claim (12-1)
Matter ResolvedRequest
Adjourment
1598/12/2020 10:00 am20-12097 / MBKBRAD J SADEKConfirmation Hearing on Modified PlanConfirmedDebtor has made 5 of 7 required payments   Arrears: $0  
Total Paid In: $1,426.00
ISSUES AS OF 8/6/2020 (DM): atty ok to terms(mk)

***TO RESOLVE DISPOSABLE INCOME OBJECTION, TRUSTEE WILL RECOMMEND CONFIRMATION AT $1,122 PTD, THEN $304 x 30 STARTING 9/1/20, 100% PLAN***

1) Santander filed bifurcated claim on 2012 Toyota Camry not treated in plan (MP SURRENDERS).

2) Nationstar has filed a secured claim on real estate that was sold at Sheriff's Sale in January? (MP SURRENDERS).

3) Trustee OBJ:
- Need CMA for Chestnut St property (EMAIL FROM A. JENNIINS ON 5/8/20 - SOLD AT SHERIFF'S SALE ON 1/16/20).
- Need DSO information (RECEIVED).
- Excessive Expenses: $250 entertainment, $600 DSO - need proof, $1,800 non-debtor student loans and credit cards - need proof (PROOF OF EXPENSES PROVIDED).
- Debtor not paying all disposable income into plan - there is $5,899 monthly disposable income per Form 122c, as filed, which requires a
$353,940 minimum dividend for general unsecured creditors.
- The $2,083 pension loan deduction on Sch I for non-debtor spouse should have been paid off in April based upon the balance reflected on her pay stub from the State of NJ.
- Income verifies higher ($5,777/$5,122) than scheduled ($4,944/$2,521) for debtor/co-debtor.


Prop. Plan $187 x 60, 100% Plan
PTD 6/6 = $1,122
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
1608/12/2020 10:00 am20-12188 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing on Modified PlanContinued
9/23/2020 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $725.00  
AS OF 8/6/20 (SF)

1. IRS filed estimated priority claim 14-1. Missing returns for 2016 thru 2019 (NEED AMENDED CLAIM)

2. State of NJ filed estimated priority and unsecured claims (AMENDED - UNSECURED CLAIM IS STILL ESTIMATED MISSING 2010 THRU 2015 RETURNS)

3. Trustee objection:
- Excessive expenses on Schedule J: $900 transportation; $460 auto insurance (Debtor commutes to NY and insurance is high due to driving records)
- Income verifies higher at 2,126.39
- Need update on insurance claim

Plan proposes $2175 PTD, $725 X 1, $1000 X 55 0%
Payments: 4/6 Arrears $1725

RESOLVED ISSUES:
- Objection filed by US Bank (Lubin) - failure to pay arrears of $33,617.13 (RESOLVED ORDER ENTERED)
- IRS filed secured claim 14-1 for $11,639.51 which is not addressed in plan (MP FILED TO CRAM)
- Citizens Bank filed arrears claim 6-1 for $1814.56 (OK TO PAY?) (MP FILED TO PAY CLAIM)
- CVI SGIP Co Acquisition Trust/Sterling Jewelers Inc filed secured claim 8-1 claim for $429.95, no arrears. This claim is not in the plan. How should this claim be treated? (MP FILED CRAM CLAIM)
- LVNV Funding LLC filed claim 7-1 which is a secured judgment lien for $2988.33, not addressed in plan (MP FILED TO CRAM CLAIM)
- Cavalry Investments filed secured judgment claim 16-1 for 2531.73 which is not addressed in plan (MP FILED TO CRAM CLAIM)
- Wells Fargo Bank filed secured claim 27-1 for $352.66 for furniture not addressed in plan (MP FILED TO CRAM CLAIM)

Matter ResolvedRequest
Adjourment
1618/12/2020 10:00 am20-12260 / MBKEUGENE ROTH, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 9 of 7 required payments   Arrears: $0  
Total Paid In: $12,794.00
AS OF 8/7/20 (SF)

RECOMMEND $11,379 PTD, $1415 X 30 (BEGIN 9/1/20) 100%, LOAN MOD BY 11/15/20

Note: Plan length shortened to 36 months due to excess income


1. Trustee objection:
- The debtor has failed to supply the Trustee with the following document(s):
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $275/month for home maintenance ; $500/month for utilities; $513/month for cable/internet/phone; $1,254/month for life insurance (need proof);$738/month car payment
- Verified income leaves monthly disposable income of $2,860.38.
- Per the 22C, monthly disposable income is $2,330 which would require a minimum dividend of $139,800 to general unsecured creditors.


Plan proposes $2640 x 60, Loan mod in 6 mos
Payments: 5/6 Arrears: $819


RESOLVED ISSUES:
- A current market analysis - (updated). The trustee's valuation is approximately $798,000 (CAM PROVIDED BY BROKER IS LOWER)
- A copy of the last filed tax return - 2019 by 8/15/2020 (RECEIVED)
- Need proof of bonus income for the debtor. (RECEIVED)
- Need to file Pre-Confirmation Certification.
- Need proof of service on Santander Bank and Klein Wholesale Co. (RECEIVED)
- Objection filed by Windsor Park Asset Holding (Stern Eisenberg) - failure to pay total debt claim. Lien matured in Feb of 2019 and debtor may be deemed ineligible for loss mitigation. (RESOLVED, OTBS)
- Motion for loss mit scheduled for 5/13/20 at 9 (GRANTED. ORDER EXPIRES 8/14/20)
- Amendments to Schedules B/C to add Toyota and Lexus. (Per atty vehicles are not in debtor's name)
- Santander is being crammed in the plan to $133,983.89. The bar date has expired and no claim has been filed. This lien is in the amount of $399,754.04 and listed as a collateral mortgage on residence. Currently there are no gucs filed but there would be a cram balance for this claim. (MODIFIED PLAN FILED)
Matter ResolvedRequest
Adjourment
1628/12/2020 10:00 am20-12588 / MBKADAM SCHNEIDER, ESQConfirmation Hearing ScheduledContinued
10/6/2020 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $230.00  
AS Of 8/3/20(mk):

>>All Issues Still Need To Be Addressed. Case is 6 mos old.4/6/payments. Arrears $4460.No Evidence of
LM or a REFI<<


1.Plan has Cap.One as unaffected. Filed arrears POC $4,202-OK TO PAY?

2. IRS ESTIMATED Taxes-Returns Not Filed for 2017,2018 & 2019.
PER ATTY ALL RETURNS FILED

3. Objection by Wilmington(McCalla):
-plan fails to cure arrears POC $148,749.22.
>>Plan has REFI Or LM by 5/15/20- STATUS??
-is TR paying arrears pending?

4. Trustee Objection:
-must resolve IRS ESTIMATED claim .
-proof of debtor's work expense reimbursement.
-need proof of Auto insurance for 2009 Jeep & 2012 Chevy.(still).
need proof of 3rd mtg lien on RE. SBA Loan?
-need 2019 tax return.
------Below resolved w/100%----------
-plan has excessive expenses :Auto insurance- $585; Student loans $2,324 p/m
needs proof. Real estate taxes $791p/m, No mtg. St. uploaded.( Plan is 100%.)
-Income verified Higher ($15,335.67) and is likely higher once proof of work expense
reimbursement listed on sch I)than scheduled ($14,507.60) Plan 100%.
-Add to confirming Order Student loans to be paid outside plan.
-need Proof Of Service for Plan Motions on all creditors for lien strip.(filed)


plan:2230 X 60 BEG 3/20; LM BY 5/15/20 (23 MONMOUTH BLVD); OR REFI:100%
payments:4/6
last claim:6-1, bar date:4/26/20
Matter ResolvedRequest
Adjourment
1638/12/2020 10:00 am20-12772 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $260.00  Total Paid In: $1,561.00
7/29 workup for the 8/12 calendar EDC - 8/6/20 COPY OF E-PAYMENT RECEIVED IN THE AMOUNT OF $781.

CAN CONFIRM AT: *** $1561 PAID THEN $261 X 45 BEG 9/1/20-- 0%--File pre-confirmation certification in 10 days--Name change documentation changing name from Wilson to Peavy in 10 days

* objection by Nissan(consent order)
* Trustee objection:
-The debtor has insufficient income Income verifies at $93.23.
--Need proof of current auto insurance. (Sent)
---Amendments to Schedules to include 2014 Toyota.(does not own but is on insurance. Is she getting reimbursed for the insurance expense? OK income lower)
-----File pre-confirmation certification.
------Name change documentation changing name from Wilson to Peavy
Matter ResolvedRequest
Adjourment
1298/12/2020 10:00 am20-12992 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
9/23/2020 10:00 am
Debtor has made 0 of 7 required payments   Arrears: $9,212.00  
ORDER DIRECTING JOINT ADMINISTRATION OF CASES ENTERED BY COURT 7/13/2020

-lead case adj to 8/12

Sent email to Oliver. The revised order consolidating got kicked around because cases transferred to Kaplan. Order should have been entered by 7/10 so check status so Deb S. can set cases up. This and 19-14204 will need one more adjournment so that we can set up. EDC

This case will be administered jointly with husbands case - awaiting Order
DS already handling husbands case
Motion for joint admin on for 5/19 EDC - marked OTBS
Matter ResolvedRequest
Adjourment
1648/12/2020 10:00 am20-13099 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $0  
Total Paid In: $1,819.00
7/31 workup for the 8/12 calendar EDC

***CAN CONFIRM AT $1200 PAID THEN $300 X 32 BEG. 8/1/20-lm by 9/24/20-pro rata-***
(plan is 37 months because did not pay for July)
(low base pending LM)
(Plan includes a loan modification and cannot be 0%. Must be a base.)

-will do ewage and get LL info or dismiss EDC

AR NEED PYMT TO POST AND EWAGE SIGN UP OR REC DISM

As of 7/7/20 (DS): 1. Debtor in arrears $900, made 2 out of 5 payments. Payment made 7/7/20 for $600, arrears $300.

2. Trustee still need proof of rent paid on Manahawkin rental property, not listed on bank statements for $2,000. - LETTER FROM LANDLORD IS NOT SIGNED AND DOES NOT GIVE AN AMOUNT PAID TO HIM, ONLY THAT THEY PAY CASH EVERY 15TH OF THE MONTH.
- Plan includes a loan modification and cannot be 0%. Must be a base.

5/5/20 (DS): 1. Trustee obj to the following:
- Need updated auto insurance (only provides bill), insurance expired 3/2020, proof of 2nd mtg lien, proof of rent paid on Manahawkin property, not listed on bank statements for $2,000..
- Plan includes a loan modification and cannot be 0%. Must be a base.

2. Bank of America obj arrears not paid and loan mod. Obj must be resolved (OTBS).

3. Secured claim filed for leased 2015 Chevy Cruza, not listed on Schedule G and J or plan (ADD SURRENDER).

4. Must resolve IRS estimated claim, 2019 tax return not filed. AMENDED CLAIM FILED.

Prop Plan $300 x 36 $0 and Loan Mod with Carrington on Savannah Dr by 6 months after conf
Note: Service ok. Updated POI from spouse and auto insurance provided.
Matter ResolvedRequest
Adjourment
1658/12/2020 10:00 am20-13629 / MBKROBERT C NISENSON ESQOrder Vacate Dismissal of CaseContinued
9/23/2020 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $815.00  
AS OF 8/6/2020 (at):

1. 341 has not been held or rescheduled.
2. Payments: 3/5, arrears $1,645
Matter ResolvedRequest
Adjourment
1668/12/2020 10:00 am20-13906 / MBKDONALD C GOINS, ESQConfirmation Hearing ScheduledContinued
9/9/2020 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $1,336.00  
(mk):adj requested- Had to deny it as NEED PROOF OF CURRENT HOME INSURANCE. If he can get it, ok to adj. (INSURANCE RECEIVED)

As of 8/10/20(mk):Updated


1. Objection by Bank of NY(RAS): (Atty is working on resolution)
-fails to pay arrears-LM speculative.

2. Per plan claim for Thrift investment on 2006 Chrysler STRIKE? Or File POC & Motion.(Per atty- WILL FILED CLAIM & MOTION
TO ALOW LATE CLAIM W/IN 30 DAYS- ADD LANG TO ORDER)


3. Regional Acceptance POC #3-1 is bifurcated. It has a secured part for $5,218( which includes interest)
>>The proposed Cram amt is 5,217,85- DO YOU WANT TO ADDRESS THIS BY PAYING THIS SECURED PART? AND
THEN THE UNSECURED PART of $3,732.91 Can Be Treated pro Rata w/ other gucs. ( PER ATTY - YES- LANG ADDED)

4. Trustee Objection:
-need copy of homeowner's insurance declaration page - Only binder was provided & fails
to show personal liability coverage
-need statement for spouse payroll loan showing balance due
-excess expenses $220/cell phones; $720/son's travel cost; $200/son's sports trainer;
$380/dental
-Form 122C-2 Line 45 shows monthly disposable income $1,050.59 which
requires min.$63,035.40 dividend to gucs
-resolve The Bank of NY Mellon objection .
-NO Proof of Service on Regional Acceptance- Cram on Chevy- (Strike l& add treatment of claim to conf lang)
-must file pre conf cert.


668 X 36 BEG 4/20; LM BY 9/30/20 (9 HEINRICH RD); BASE.
payments:4/5
last claim:5-1, bar date:5/15/20
Matter ResolvedRequest
Adjourment
1678/12/2020 10:00 am20-13990 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
9/9/2020 10:00 am
Debtor has made 2 of 6 required payments   Arrears: $0  

MP scheduled for 9/9/20

As of 6/18/20 (DS): 1. Trustee obj to the following:
- Debtor has undertaken an improper use of exemption. Over exempts on d(4) and d(5) on 2011 Jeep. There is non-exempt equity on 2011 Jeep $2,602.
- Amendments to Schedules I to include the $700 pension that the debtor is receiving
- Post-pet mortgage payments $5,400 being paid to mortgage? Trustee requires proof.
- Must add to confirming order non-exempt proceeds from sale of residence.
- Fee app required for attorney fees.
- Must resolve IRS estimated claims, 2019 tax return not filed.
- Must resolve creditor objection.
- Must file Pre-confirmation certificate.

2. JPMorgan Chase obj to sale and arrears not paid. Obj must be resolved.

3. Wells Fargo (2nd mtg) filed unsecured claim.

4. Exeter Finance filed arrears $5.40. Ok to pay?

5. IRS claim is estimated, 2019 tax return not filed and not provided. Must provide 2019 tax return, if not filed, then must resolve claim and provide 2019 tax return no later than 8/15/20.

Prop Plan $500 x 60 Base and Sale of Green Meadow Rd by 11/30/20
Note: Proof of Social security and pension income from Debtor and updated homeowner insurance provided. 22c is moot, there is no disposable income after deducting the excess expenses.
Matter ResolvedRequest
Adjourment
1688/12/2020 10:00 am20-14150 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
9/23/2020 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  


AS OF 8/7/20 (SF)

1. Objection filed by Ally Capital (Morton) - to cram (MUST RESOLVE)

2. Trustee objection:
- The debtor has insufficient income .
- Accountants valuation of business (Balance Sheet). Balance Sheet provided, but not from Accountant. If debtor only has 10% interest in business, why is her equity $75,003 and the other owner is $40,201? It appears that debtor's equity is $34,157.23 - $1500 exemption leaves n/e equity of $32,657 - (PER EDC, it makes no sense. We will need a line by line certification explaining how they came up with those numbers. We still need an accountant's breakdown and valuation and a copy of the business agreement between the debtor and Freeman) (UNSIGNED OPERATING AGREEMENT PROVIDED ALONG WITH CERT FROM DEBTOR, NEEDS TRUSTEE REVIEW)

Plan proposes $362 X 60 0%
Payments: 5/5

RESOLVED ISSUES:
- A copy of the last filed tax return - : 2019 tax returns by 8/15/20. (Received)
- A copy of the homeowner's insurance renewal declaration - : insurance expired 3/11/20. (RECEIVED)
- Amendments to Schedules : Statement of Financial Affairs does not list business. (AMENDED)
- Must file Pre-confirmation certificate. (FILED)
Matter ResolvedRequest
Adjourment
1698/12/2020 10:00 am20-14151 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
9/15/2020 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $1,200.00
As of 8/10/20 Debtor attorney requested adjournment to allow time to provide 2019 tax return

As of 8/5/20 (DS): 1. Trustee obj to the following:
- Need copy of 2019 tax returns and bank statements for USAA account #8473.
- Amendments to Schedules J which was filed completely blank.
- There is $800 in non exempt equity in the 2013 Hyundai.
- Schedules I fails to account for debtor's tax refund in the amount of $512 when determining disposable income.

Prop Plan $200 x 60 Base
Matter ResolvedRequest
Adjourment
1708/12/2020 10:00 am20-14268 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
9/15/2020 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

AS OF 8/6/20 (SF)

1. IRS priority claim is estimated. Missing 2019 Tax Return

2. Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
--Proof of 2 month's income - need April, May & June 2020 pay stubs for debtor.
--A copy of the last filed tax return - 2019 by 8/15/20.
--The current Plan does not specify treatment of IRS under the Plan.



Plan proposes $300 x 60 Base, Loan Mod by loss mit date
Payments: 4/5 Arrears: $300
Matter ResolvedRequest
Adjourment
1718/12/2020 10:00 am20-14329 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
9/15/2020 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $300.00  Total Paid In: $1,500.00
AR ADJ FOR CLEAR OINDICATION OF WHEN PI WILL BE SETTLED OR AGREEMENT WITH LL
As of 8/4/20(mk):

1. MFR filed by Ameri credit(Morton): ON 8/18/20.

2.Trustee objection:
-case cannot be 0- we don't know what PI award is- so needs base
-needs prompt cure to Landlord. POC $10,326.92. Higher
than plan amt. of 8,300 . MP is 300 x 48 .
- need status of PI case.
-debtor has insufficient income/ income verified much lower than scheduled.
-add to confirming order must provide for all non-exempt proceeds
from personal injury claim be paid to Trustee.

PLan:$300 x48; plus lump sum from PI case,0%
payments:4/5
last claim:8-1, bar date:
Matter ResolvedRequest
Adjourment
1728/12/2020 10:00 am20-14373 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $2,071.00
AS of 8/6/20(mk):Updated-atty ok to terms


**CAN REC CONFIRM AT 1,695 PTD,THEN $376 X 55,BEGIN 9/1/20; BASE W/ MIN DIV TO GUCS $10,722 DUE
TO NON EXEMPT EQUITY IN PERSONAL ASSETS. TRUSTEE IS AUTHORIZED TO PAY TD AUTO
SECURED CLAIM #6-1 IN THE AMOUNT OF $5768.68**

1.Plan has pay TD Auto in Full w/ interest for total $7137.
They filed a POC amt of sec claim $5,768.68. ( PER ATTY PAY POC AMT.)

2. Trustee Objection:
-need copy of Oppenheimer Stock Statement through February, 2020.(Investco Statement provided thru 3/30/20. Value 23,141. Minus sch C
exemption $12,419=10,722 in NE Equity (pay equity)
-disposable income per Schedules I and J verify higher at $843.82.


Plan: 339 x 60 min 7551
payments: 5/5
last claim: 16-1.Bar date:5/22/20
Matter ResolvedRequest
Adjourment
1738/12/2020 10:00 am20-14448 / MBKROBERT C NISENSON ESQConfirmation Hearing on Modified PlanDismissed - Hold FeesDebtor has made 5 of 6 required payments   Arrears: $200.00  
ADJ REQUEST FILED 8/10 IS LATE
8/3 workup for the 8/12 calendar EDC

Nothing done since May 341a:
1. Trustee obj to the following:
- Need auto insurance (if not confirmed, insurance expires 6/26/20), 2 months bank statements from First National Bank prior to filing date and proof of debtor 1/5 interest in Trust. Copy of trust document.
- Amendments to Schedules B and C to add Bank of America savings acct.
- Debtor has undertaken improper use of exemption. Specifically: (d)(5) over exempts for Debtor, since accounts are joint and Debtor takes full (d)(1). Co debtor has 1/5 interest. d(1) takes $25,000 and take d(5) of $24,700, but bank accts are joint and only remainder for Debtor $1,475. Bank of America accts have $5,063 and not sure of other 2, but per Sched B, First Financial Trust has $1,500 and $20,000, but no proof provided.(at best there is $16,517 in equity=$5354 house and $11,163 in bank accounts)
- Excess expense with mortgage payment $300, since none is listed on Sched D or Plan.
- Current Plan does not specify treatment of Wells Fargo/Value City with arrears $200.81 under the Plan.
- There may be non-exempt equity on real property and personal assets pending review of documents.

Prop Plan $200 x 60 Base and Sale of Main St by 9 months from conf
Note: Homeowner insurance
Matter ResolvedRequest
Adjourment
1748/12/2020 10:00 am20-15328 / MBKSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
10/6/2020 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $360.00  
As of 8/4/20 (DS):

1. Citibank mortgage (22 Stratford Ave property), not on Schedules A, D, F or creditor matrix, no docs provided, objects to arrears owed only $2,318.08, POC filed, loan mod was granted 8/1/18. Must resolve obj.

2. Debtor in arrears $720, made 2 out of 4 payments.

3. Trustee Supplemental Objection:
- Based upon the objection filed by Citibank, the Debtor must amend his schedules to disclose the Stratford Ave property and provide the Trustee will all documents associated with said property.


Prop Plan $360 x 60 0%
Note: Bank statements and homeowner insurance provided.
Matter ResolvedRequest
Adjourment
1758/12/2020 10:00 am20-15397 / MBKSTEVEN J ABELSON, ESQConfirmation Hearing ScheduledContinued
8/18/2020 10:00 am
Debtor has made 0 of 5 required payments   Arrears: $1,309.00  Total Paid In: $500.00
adj to next Ct date & put on HR

8/12/20(mk): Updated

***CAN REC COMFIRM AT $400 PTD THEN $100 X 6, BEGIN 9/1/20; THEN $1236 x 50 ,BEGIN 3/1/2021: 100%( AND PESERVE EQUITY THRESHOLD
IN REAL PROPERTY OF $67,905. TRUSTEE IS AUTHORIZED TO PAY THE SECURED CLAIM #9-1 OF FREEHOLD TOWNSHIP IN THE AMOUNT OF $6,994.07
AMENDED SCHEDULES I & J AND PROOF OF INCOME BY 1/15/2021; STUDENT LOANS OUTSIDE; DISTRIBUTION IS PER PLAN***


AR WORK UP CONF PTD , 100 X 6 AMEND I ANJ WITH POI BY JAN 15TH 21
>>HOLD FOR JUDGE AT 1:00 PM<<


AR REC DISMISSAL 109 e , will reconsider rec if amemnded budget filed before 8-11 with POI submitted
-debtor reply cert #21

AS of 8/6/20(mk):updated

This is work up on MP before Conf.(#19)

..What's status on debtor's employment?(Atty says she works p/t at Lightbridge(childcare place)makes about 250 p/w. Will amend I & J. was laid off form prior job due to covid. will complete school 5/2021 & get full time employment by Fall 2021. That is reason for step up. Plan starts w/100 x 19 ,then huge step up to 1,409 in Dec 2021. That is too many mos at minimal montly payment when income is far in future & speculative. Atty fee balance is $3430 so that is all that would be paid during the first 19 mos. Plan is 100% & Student loans outside- there are no std loan claims & total guc amt is $46,054.08.

>>ALSO, NEED ANSWER/RESOLUTION TO #1 BELOW. WE NEED AN ORDER FIXING The Amount of the Claim to be paid.<<


1. T'ship of Freehold Tax Collector filed secured POC(arrears $3,533.27- &TOTAL SECURED CLAIM of $6,994.07. ( PAY SEC CLAIM $6,994.07)
Plan has pay in full in Part 4g at $4234 which is arrears interest?. The POC full amt is $6,994.07.
NEEDS ORDER TO PAY AMT DIFFERENT THAN POC.

2. Objection by Stonehurst Association(Becker):
- creditor says plan fails to treat as secured lien but
THIS CREDITOR FILED UNSECURED POC 4-1

3. Trustee Obj.
-debtor has insufficient /no income . Monthly dispos. income negative (-$1,346.20.).
-debtor has failed to f
Matter ResolvedRequest
Adjourment
1768/12/2020 10:00 am20-15446 / MBKMarta Gold Confirmation Hearing on Modified PlanWithdrawnDebtor has made 4 of 5 required payments   Arrears: $0  
Total Paid In: $3,650.00
Matter ResolvedRequest
Adjourment
1778/12/2020 10:00 am20-15653 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $887.00  Total Paid In: $2,624.00
AS OF 8/10/2020 (at):

RECOMMEND: $2,624 PAID TO DATE, $887 x 44 BEGINNING 9/1/2020, 100% TO GUC'S
Preserve non exempt equity of $42,041 in real estate.

1. Midland Credit filed a secured claim #9 in the amount of $794.66 which is not in the plan. Is it ok to pay this claim? (PER ATTY, OK TO PAY)

2. JP Morgan Chase filed a secured arrears claim #1 in the amount of $773.65 which is not in the plan. Is it ok to pay this claim? (PER ATTY OK TO PAY)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - : Need copy of 2019 Tax Return by 8/15/20. (NOT RECEIVED YET)
- Need copies of March and April 2020 Bank Statements for NY Community Bank. (NOT RECEIVED)
- Amendments to Schedules . Must amend Attorney Disclosure Statement to pay fees through the plan. (DISCLOSURE AMENDED)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Disposable income verifies higher at $1,588 (100% Plan)
- The current Plan does not specify treatment of Midland Funding claim 9-1 under the Plan.
- File pre-confirmation certification. (FILED)

Modified Plan before confirmation proposes: $656 x 60, 100% to guc's
Payments: 4/4
Matter ResolvedRequest
Adjourment
1788/12/2020 10:00 am20-15793 / MBKEdward Nathan VaismanConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 4 of 5 required payments   Arrears: $0  

AS of 8/6/20(mk):Updated - Per atty ok to dismiss/hold fees.sf

>>ISSUES UNRESOLVED & Plan is not feasible ( proposed payment is 109p/m)based upon arrears claims below. How does debtor plan to address MTG arrears and
delinquency created by forbearance?<<

1. Objection by Quicken(Kml).(NOT IN PLAN) Creditor w/d objection to Conf. BUT POC $3,264.22- OK TO PAY?
-fails to pay arrears, Not feasible.
>FYI: see notice (#16)of Mtg Forbearance. No payments ($2,997.40 p/m)for July, August & Sept. Resume mtg payment 101/20.
needs to cure delinquency created by Forbearance.

2. One Main Financial (2014 Infiniti)filed POC arrears $245.40-In Plan as unaffected- OK TO PAY?

3. Trustee objection:
-need 2019 tax return.
-need a statement for pension loan showing balance.
-Plan fails to address Quicken Loan mortgage.
-need Amendments to Schedules 22C. Line 33 is incorrect. Mortgage payment is not
$6,211.30.
- plan has excessive expenses:$500/month for transportation(Needs proof/explanation)
-debtor not paying all disposable income into the plan due to Verified income
results in monthly disposable income of $368.18.
-Schedules fail to account for tax refund of $3,160.00(This is for 2018. Need
2019 return.
-must file Pre-Confirmation Certification.

Plan:109 x 60 , Base
payments;4/4
last claim:13-1, bar date:7/2/20

Matter ResolvedRequest
Adjourment
1798/12/2020 10:00 am20-15837 / MBKLAWRENCE L ABT III ESQConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $3,165.00
As of 8/3/20(mk):

**CAN REC. CONFIRM AT $633 x 60 BEGIN 5/1/20; BASE W/ MIN OF $10,032 to gucs; Must file pre conf cert w/in 10 days.***

1.Trustee Objection:
debtor not paying all disposable income into plan b/c incentive pay
was removed .Disposable monthly net income of $893.02 .( Debtor cert explaining
incentive pay unexpected and not regular. Now Covid reduced his income. Plan
provided $10,032).


Plan:633 X 60 BEG 5/20; MIN $10,032
payments:3/4
last claim:20-1, bar date:7/3/20
Matter ResolvedRequest
Adjourment
1808/12/2020 10:00 am20-16596 / MBKJOHN ZIMNIS, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $4,669.00
AS OF 8/10/20 (SF) Updated

confirm at $3420 PTD, $1249 X 57 (BEGIN 9/1/20) BASE PLAN
- NEED UPDATED PROOF OF INCOME FOR SPOUSE IN 6 MONTHS (2/1/21)

1. Objection filed by Deutsche Bank/Wells Fargo - failure to pay arrears of $62,918.59 (RESOLVED, ORDER SUBMITTED)

2. Trustee objection:
The debtor has failed to supply the Trustee with the following document(s):
Proof of 2 month's income - . April pay stubs for the debtor. (Spouse is receiving unemployment)
Need updated proof of income for the spouse by 9/30/2020.
Need to file Pre-Confirmation Certification. (Filed)

Plan proposes $1140 x 60 Base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1818/12/2020 10:00 am20-16622 / MBKKurt E. Reinheimer, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $1,758.00
As of 8/6/20(mk): - Atty ok with terms.sf

**CAN REC CONFIRM AT $1,194 PTD, THEN $564 X 33, BEGIN 9/1/20; 100% w/ min. $32,837 to gucs Due to NE Equity in RE**

1. Objection by Wells Fargo(Shapiro):Resolved- order entered- Pay POC.
-plan fails to cure arrears.

2. Trustee objection:Resolved
-need amended Sch..B/C to add 2005 Kia.(Filed).
-Verified income leaves monthly disposable income of $541.82 (100% Plan).
-There is $32,837.39 in non exempt equity in the residence (100% Plan).


Plan:398 X 36 BEG 6/20; 100% (NO LESS THAN $39,995.88 TO GUC'S)
paymets:3/3
last claim:5-1,bar date:7/27/20
Matter ResolvedRequest
Adjourment
1828/12/2020 10:00 am20-16713 / MBKKarina Pia Lucid Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $2,752.00
As of 8/6/20(mk):atty ok to terms

***CAN REC CONFIRM AT $1,376 PTD, THEN $689 X 46 BEGIN 9/1/20;100% W/MIN $56,121 TO GUCS DUE TO NON EXEMPT EQUITY IN RE.
LM ON 31 NEWELL DRIVE BY 9/22/20;No payment on arrears claim #5-1 to US Bank pending LM.
Strike Per Plan claim of TD Bank in Part 4a of Plan.
Trustee to receive all non exempt proceeds from codebtor's inheritance***


1.Objection by US Bank(McCalla): ATTY SAYS RESOLVED-- CO submitted- LM by 9/22/20.#2 of order says:
pay arrears claim if loss mit is not successful- SO NO PAY PENDING LM.(I confirmed this w/atty)
-plan LM speculative.

2.Trustee Objection:
-Is Trustee pay arrears to Fay Service/US BANK (on 1st mtg)pending LM?
-PER PLAN CLAIM (8,400)FOR TD BANK ON 2nd Mtg- ( PER ATTY-STRIKE IT and if they
file a late claim, atty will MP to allow
-need information/ Will of Co debtor's Aunt, Gwendolyn Smith.(stiil but
will add to confirming order any non exempt proceeds from codebtor 's
inheritance from her aunt.
-------------------------
-Income verifies higher ( $6,821.85) than scheduled($5,786.71).(plan is 100%)
-Schedules fail to account for tax refund of $4298 dispos.income.(added in)
-There is $55,329 in non exempt equity in real property. Plan is 100%.
-must address objection by US Bank.
-Loss Mit Order indicates Loan Mod by 9/22/20.
Atty disclosure & plan don't match.(Amended discl filed).


Plan:$688.84 X 60 BEG 6/20; LM PER ORDER; 100%
Payments:2/3
last claim:11-1, bar date;7/29/20
Matter ResolvedRequest
Adjourment
1838/12/2020 10:00 am20-17136 / MBKANDREW B FINBERG ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 3 required payments   Arrears: $0  
Total Paid In: $2,000.00
AS OF 8/6/20(mk):


IF OK TO PAY #1, ***CAN REC CONFIRM AT $500 X 60;BEGIN 7/1/20;BASE W/MIN $16,082 TO GUCS DUE TO NE EQUITY IN PERSONAL ASSETS***


1. PNC Bank of 1st mtg filed POC arrears$36.55- OK TO PAY?

2. Trustee Objection:
-excessive expenses: Car payment $644 -Resolved
& $1,215 for Childcare/education- needs proof.(Provided- sp. needs)
-there is NE equity $4,020 in E-Trade account per stment provided.
-there is NE equity $2,274 in PNC acct bank account per stment provided.
-there is NE Equity in Debtor 's UTMA account $9748 based
on stment provided (15,248- exemption $5500).
-need current CMA-(Provided)
-need Balance acct. statement from E-Trade Platinum
& PNC Bank statement, 2 months prior to filing date.(provided)
-need will of debtor's grandmother/ Dorthy Lieblang.(Provided.)
-Certification as to how funds were spent from inheritance.(Provided).
-there is NE equity in RE of 42,715(NO MORE- PNC POC filed on line of Credit ).

plan:500 x 60. Base
2/2payments
last claim:11-1, bar date:8/10/20



Matter ResolvedRequest
Adjourment
1848/12/2020 10:00 am20-17221 / MBKROBERT C NISENSON ESQConfirmation Hearing ScheduledContinued
9/15/2020 10:00 am
Debtor has made 4 of 3 required payments   Arrears: $0  

AS OF 8/4/2020 (at):

1. Objection filed by New Rez/Shellpoint (Stewart Legal) - failure to cure arrears of $42,127.58 (Per objection, no claim filed yet)

2. Trustee's objection:
- The debtor has insufficient income . Debtors have negative income.
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - . Need copy of 2019 Tax Return. (NOT RECEIVED YET)
- Need copy of whole life insurance policy statement with Surety Life. showing cash surrender value. (NOT RECEIVED)
- Amendments to Schedules B & C to add 2002 and 2004 Mercury (NOT AMENDED YET)
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 nonexempt equity of $182,059.83 in real estate.
- File pre-confirmation certification. (FILED)
- must address objection by New Rez. (UNRESOLVED)

Plan proposes: $400 x 60, 100% to guc's
Payments: 2/2
Matter ResolvedRequest
Adjourment
1858/12/2020 10:00 am20-17234 / MBKJ. Todd MurphyConfirmation Hearing ScheduledContinued
10/6/2020 10:00 am
Debtor has made 4 of 3 required payments   Arrears: $0  

Debtor attorney requested adjournment, 341 sched 9/3/20
Matter ResolvedRequest
Adjourment
1868/12/2020 10:00 am20-17243 / MBKSTEVEN J ABELSON, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $750.00
As of 8/4/20 (DS): - Atty ok with terms.sf

Need to confirm at $250 x 36 100% with a minimum of $146,633.90 to gucs, due to non-exempt equity, Trustee standard order of distribution and refinance of Pohatcong Ave by 12/31/21 - low base

1. Trustee obj to the following:
- Income verifies higher, there is disposable income $5$52.99, due to tax refund.
- Schedules fail to account for debtors tax refund in the amount of $3,704 when determining disposable income.
- There is non-exempt equity on real property $145,771.90 and bank accounts Garden State $208 and TD Bank $654, total $146,633.90.
- Need to add to confirming order Trustee standard order of distribution.

Prop Plan $250 x 36 100% and Refinance on Pohatcong Ave by 12/31/21
Matter ResolvedRequest
Adjourment
1878/12/2020 10:00 am20-17248 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $1,809.00
UPDATED 8/11/2020

OK TO CONFIRM AT $603X60 BEGIN 7/1/2020 WHICH INCLUDES MINIMUM $21,270.90 DIVIDEND TO GENERAL UNSECURED CREDITORS
-UPDATED PROOF OF INCOME TO TRUSTEE ON OR BY 9/30/2020


issues as of 8/6/2020

1) Trustee objection to confirmation - need to resolve
-need proof of 2 months income
-need a copy of the divorce decree - PROVIDED,
ORDER STATES DEBTOR IS RESPONSIBLE FOR RESIDENTIAL PROPERTY, NO EVIDENCE THE PROPERTY WAS DEEDED FROM JOINT OWNERSHIP WITH EX SPOUSE TO SOLE OWNERSHIP OF DEBTOR
PER CHILD SUPPORT CERT $800/MONTH FOR TWO YOUNGER CHILDREN IS RECEIVED
-there is $19,894.20 in non exempt equity in the debtors residential property
-need to file Pre Confirmation Certification RESOLVED, FILED

proposed plan $603x60 minimum $21,270.90 dividend to general unsecured creditors
paid in $1206
last claim 6-1
Matter ResolvedRequest
Adjourment
1888/12/2020 10:00 am20-17273 / MBKFRANCIS P CULLARI, ESQConfirmation Hearing ScheduledContinued
9/1/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $5,085.00
AS OF 8/7/2020 (at):

RECEIVED HOMEOWNER'S INSURANCE ON JERSEY CITY PROPERTY.

1. Objection filed by Specialized Loan (KML) - failure to cure full arrears of $11,063.43 (Per POC) (RESOLVED PER STATUS CHANGE FORM. NEED TERMS)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A copy of the homeowner's insurance renewal declaration - Jersey City property policy expires 7/14/2020 (NOT RECEIVED)
- Amendments to Schedules I & J to reflect income and expenses for rental property. (NOT AMENDED)
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 $51,798 in non exempt equity in real property. Plan is 100%.
- must address objection by Specialized loan. (UNRESOLVED)
- must file pre conf .cert. (NOT FILED)

Plan proposes: $1,695 x 60, 100% to guc's
Payments: 1/2, arrears $1,695
Matter ResolvedRequest
Adjourment
1898/12/2020 10:00 am20-17295 / MBKCAMILLE J KASSARConfirmation Hearing ScheduledContinued
9/23/2020 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $320.00  
8/17 AMT: PYMT POSTED/FILED STATUS CH FORM TO AMEND MINUTES FROM DISMISSED TO CONTINUED<<<>>>

get current by 8/12 and I will undismiss


issues as of 7/30/2020

1) 341 not held, not rescheduled - to date no 341 documents provided
2) No Trustee plan payments to date, arrears $250
3) Bank of America (Shapiro & DeNardo) objection to confirmation - need to resolve
-pre petition arrears $141,275.24
Matter ResolvedRequest
Adjourment
1908/12/2020 10:00 am20-17330 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
10/6/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS of 8/1/20(mk):

>> Need objection in #1 to be resolved, then can work up<<

1. Objection by Nationstar/Mr Cooper(Shapiro):
-plan fails to cure arrears.
-Plan says arrears will be paid in co debtor case #19-11247

2. Trustee Objection:
need proof of home insurance(Provided).

plan:175 X 48 BEG 7/20; BASE
payments:1/2
last claim:15-1,bar date:8/17/20
Matter ResolvedRequest
Adjourment
1918/12/2020 10:00 am20-17331 / MBKSCOTT M WILHELM, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 1 of 3 required payments   Arrears: $0  
Total Paid In: $1,000.00
AS OF 8/4/2020 (at):

RECOMMEND: $1,000 paid to date, $1,595 x 58 beginning 9/1/2020, 100% to guc's
Claims will be paid according to the trustee's order of distribution.
Preserve non exempt equity of $105,284.70 in real estate and personal property.

Trustee's objection:
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $416/month for home maintenance.
- $250/month for income taxes(Need proof this is actually paid)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $78,084.70 in non exempt equity in the residence.
- There is $11,835 in non exempt equity in the vehicles.
- There is $15,365 in non exempt equity in the bank accounts.
- Plan needs 100%
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l).
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $500 x 60, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
1928/12/2020 10:00 am20-17334 / MBKErik M. Helbing Confirmation Hearing ScheduledContinued
9/23/2020 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $3,912.00  
Matter ResolvedRequest
Adjourment
1938/12/2020 10:00 am20-17346 / MBKMonika Mazurczyk Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $1,695.00
As of 8/7/20 (DS): Ok to confirm at $565 x 29 begin 7/1/20, $784 x 31 begin 12/1/22 pro rata dividend to gucs
- Must file Pre-confirmation certificate within 7 days
- Amend or move against the IRS claim within 30 days

1. Need 2019 tax return (provided) and resolve IRS estimated claim, due to 2019 tax return not filed.

2. Must file Pre-confirmation certificate.

Prop Plan $565 x 29, $784 x 31 Base
Note: 2019 tax return provided owes $1802.
Matter ResolvedRequest
Adjourment
1948/12/2020 10:00 am20-17405 / MBKYAKOV RUDIKHConfirmation Hearing ScheduledContinued
9/9/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 8/6/2020

1) PNC Bank (Fein Such) objection to confirmation - need to resolve
-Fairmount Avenue property in Newark City, NJ - not treated in plan
2) CSMC (RAS Citron) objection to confirmation - need to resolve
-claim not treated in plan
-pre-petition arrears in the amount of $941.73
3) Diestra Funding and LCI Lender Services (Hasbani & Light) objection to confirmation - need to resolve
-plan fails to provide for payment of arrears, pre petition arrears $24,717.44
4) Trustee objection to confirmation - need to resolve
-excessive expenses - $250/home maintenance; $500/utilities; $250/clothing; $175/auto insurance (policy provided shows $99/month)
-not paying disposable income into plan - excessive expenses and tax refund leaves higher disposable income in the amount of $1,750.77
-excessive expenses on Form 122c-2 specifically Line 23 and Line 30. Tax refund $749.92 not listed on Form 122c. With adjustments, there would be disposable income of $937.12 on Line 45 which would require minimum $56,227.30 dividend to general unsecured creditors
-schedules fail to account for the tax refund in the amount of $8,999 when determining disposable income
-there is estimated non-exempt equity on real property in the amount of $,370.55, pending claims to be filed
-must file pre confirmation certification MORTGAGE CLAIMS ARE HIGHER, NO NON EXEMPT EQUITY
-certification regarding business operations

proposed plan $250x60 base plan
paid in $500
last claim 12-1
Matter ResolvedRequest
Adjourment
1958/12/2020 10:00 am20-17447 / MBKWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $150.00
AS OF 8/4/2020 (at):

RECOMMEND: $50 x 4 BEGINNING 7/1/2020, $255 x 38 BEGINNING 11/1/2020, MINIMUM OF $4,024 TO GUC'S

1. Trustee's objection:
- The debtor has insufficient income to fund the plan. Disposable income is negative $2212 per month.
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 $3,861 in non exempt equity in real property. Plan dividend to unsecured creditors is $4,024 so the threshold is covered.
- must address objection by Lakeview Loan. (RESOLVED)
- must file pre conf cert. (FILED)

Plan proposes: $50 x 4, $255 x 32, not less than $4,024 to guc's
Payments: 2/2
Matter ResolvedRequest
Adjourment
1968/12/2020 10:00 am20-17449 / MBKLEE M PERLMAN, ESQConfirmation Hearing ScheduledContinued
9/23/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS of 8/1/20(mk):

>>Excess dispos. income $4,807 p/m. plus NE equity in RE & bank acct total $35,217.
Sch F has gucs total at $337,020. Bar date is 8/20/20. May need that to pass to see if needs 100%<<


1. Objection by MLD Mtg(Phelan);
plan fails to cure arrears. POC $1,768.10-OK TO PAY?(Per Atty- Yes-COTBS)

2.Trustee objection:
-needs MP that steps up TR payment
by $250 p/m in December, 2022 when 401k loan paid off.
-Verified income leaves moly dispos. income of $4,807.07 & Not $549 on sch J.
-There is $31,023.93 in non exempt equity in the residence.
-There is $4,194 in non exempt equity in the bank accounts.
-plan has excessive expenses:
$28,000 yearly for children's tuition (2 Children/ages 3 &5).
Sch J says this ends March 2020- THAT IS EXTRA 3,000 p/m(deducted from total)
-Need copy of the Marriage Certificate.(Provided).
-Need HUD from sale of Leer Court and Terry Lane properties. (Provided).
-Need proof of insurance for the 2016 Toyota.(Provided).

Plan:547 x 60,min 26,208
2/2. last claim:11-1, bar date:8/20/2
Matter ResolvedRequest
Adjourment
1978/12/2020 10:00 am20-17450 / MBKKevin Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $335.00  Total Paid In: $2,505.00
AS OF 8/3/2020 (at):

IF OK TO PAY CLAIMS 13 AND 15 -
RECOMMEND: $1,670 PAID TO DATE, $1,170 x 34 BEGINNING 9/1/2020, 100% TO GUC'S

1. Pennymac filed a secured arrears claim #13 in the amount of $966 which is not in the plan. Is it ok to pay this claim?

2. USB Leasing filed a secured arrears claim #15 in the amount of $465 which is not in the plan. Is it ok to pay this claim?

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- A Modified Plan that increases payment in March, 2021 when pension loan is paid off.
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Verified income leaves monthly disposable income of $1,831.74. Plan is 100%.
- Per the 22C, monthly disposable income is $3,154 which requires a minimum dividend of $189,240 to general unsecured creditors.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $7,114.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $835 x 48, 100% to guc's
Payments: 2/2
Matter ResolvedRequest
Adjourment
1988/12/2020 10:00 am20-17528 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $51.00  Total Paid In: $4,050.00
UPDATED 8/10/2020

$1,350x60 with minimum $59,614 to general unsecured creditors.
-need to file motion against ACAR Leasing claim within 30 days of confirmation
-Wells Fargo, TD Retail and Army & Air Force Exchange Service are all to be paid the secured portion of claims filed through plan. The general unsecured portion of their claims will be paid pro rata with the creditor pool


issues as of 8/5/2020

1) Trustee objection to confirmation - need to resolve
-need motorcycle insurance with expiration date RESOLVED
-need a modified plan that agrees with attorney disclosure $1,750 or amended attorney disclosure that agrees with plan $3,000 and propose hourly fees RESOLVED, FILED AMENDED FOR HOURLY FEES
-excessive expense on Form 122c Line 30 $43.65 and Line 35 priority $180.14 - plan does not include these deductions RESOLVED, IRS EXPENSE IS INCLUDED TO BE PAID IN THE PLAN. USE THE FORM 122C AS FILED, PLAN PROPOSES SUFFICIENT DIVIDEND TO GENERAL UNSECURED CREDITORS
-excessive expense on Schedule J $287.23 storage expense
-debtors are not paying all disposable income into plan - Form 122c Line 45 has disposable income in the amount of $973.25. Add back excessive expenses from Line 30 and 35, there would be disposable income $1,197.04 and would require a minimum $71,822.40 dividend to general unsecured creditors FORM 122C-2 LINE 45, AS FILED, SHOWS $973.25 DISPOSABLE INCOME WHICH REQUIRES A MINIMUM $58,335 DIVIDEND TO GENERAL UNSECURED CREDITORS - PLAN PROVIDES FOR $59,614
-the current plan does not specify treatment of TD Retail/Raymour Flanigan bifurcated claim and ACAR Leasing under plan
PER ATTY ACAR LEASING WAS PAID PRIOR TO FILING - WILL NEED TO FILE MOTION TO MOVE AGAINST THE CLAIM
-need 2 months bank statements for Bank of America account ending #6455 prior to filing date RESOLVED, PROVIDED
-must file pre confirmation certification with Court
-the plan and disclosure fee do not match - one says flat fee and the other hourly RESOLVED, AMENDED SCHEDULE FO
Matter ResolvedRequest
Adjourment
1998/12/2020 10:00 am20-17536 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
9/15/2020 10:00 am
Debtor has made 5 of 3 required payments   Arrears: $0  

Debtor attorney requested adjournment, mod plan filed 8/7/20 and schedule 9/15/20

As of 8/3/20 (DS): 1. Trustee obj to the following:
- Need May and June bank statements for PNC Bank accts 6301 and 6328.
- 22c has disposable income. Line 16 (taxes) should be $3,228 and line 17 (involuntary deductions)
should be $0. Per the 22C, monthly disposable income is $2,663 which would require minimum dividend $159,780 to gucs.
- Plan needs to run 60 months pursuant to the B22C form.
- Excessive expenses on Sched J such: $800 Transportation, $300 Water/sewer/garbage (requires proof),
$300 Clothing, $895 Student loans (need proof and not in plan as outside) Requires certification and attached proof for the excessive expenses.
- Plan needs to run 60 months pursuant to the B22C form.
- The amount of debt in the debtors Plan exceeds the statutory limit for secured or unsecured debt pursuant to 11 U.S.C. ? 109(e). Per Schedule F, unsecured debt is $494,258 which is above the debt limit of $419,275. Bar date is 8/24/20.
- Must file Pre-confirmation certificate.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming plan.
- Add to confirming order student loans to be paid outside.

2. 3 claims filed with arrears by mortgage and vehicles. Need to be paid.

Prop Plan $767 x 36 Base
Note: 2019 Tax return provided.
Matter ResolvedRequest
Adjourment
2008/12/2020 10:00 am20-17578 / MBKMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledContinued
10/6/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 8/5/2020

1) Trustee objection to confirmation - need to resolve
-need Amendment to Schedules B and C to add 2006 Acura TSX, per auto insurance RESOLVED, FILED
-must file pre confirmation certification with Court
-need Trustee standard order of distribution ADD A NOTE TO CONFIRMING ORDER TO FOLLOW TRUSTEE STANDARD ORDER OF DISTRIBUTION
2) IRS filed priority claim with estimated claims for 2017, 2018 and 2019 tax returns
3) IRS filed secured claim in the amount of $11,550 - this claim is not treated in plan

proppsed plan $100x36 base plan
paid in $200
last claim 4-1

Matter ResolvedRequest
Adjourment
2018/12/2020 10:00 am20-17596 / MBKAndrew Micklin Confirmation Hearing ScheduledContinued
9/1/2020 10:00 am
Debtor has made 5 of 3 required payments   Arrears: $0  

AS OF 8/3/2020 (at):

PER ADJOURNMENT REQUEST, THE DEBTOR HAS PASSED AWAY.

1. CSMC filed a secured arrears claim #7 in the amount of $10.66 which is not in the plan. Is it ok to pay this claim?

2. Trustee's objection:
The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Needs proof of service for lien strip of SBA on 2nd & 3rd Mtgs. (CERT OF SERVICE NOT FILED)
- must file pre conf cert (NOT FILED)

Plan proposes: $200 x 36, base
Payments: 3/2, $200 credit
Matter ResolvedRequest
Adjourment
2028/12/2020 10:00 am20-17627 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
8/26/2020 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 8/5/2020

1) Trustee objection to confirmation - need to resolve
-need copy of homeowner's insurance renweal declaration if not confirmed by 8/12, policy provided expires 8/19/2020
-need proof of auto insurance
-the current plan does not specify treatment of US Dept of HUD under the plan
-Ally filed bifurcated claim - must be resolved - claim has arrears in the amount of $315.25 - either pay arrears or move against claim. Confirm that the unsecured claim will not be paid through plan (plan proposes 0% to gucs)

proposed plan $772x60 0% plan
paid in $1444
last claim 24-1
Matter ResolvedRequest
Adjourment
2038/12/2020 10:00 am20-17687 / MBKWarren Levy, Esq.Confirmation Hearing ScheduledContinued
9/15/2020 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $0  
Total Paid In: $2,200.00
AS OF 8/3/2020 (at):

1. Plan states that $3,250 in attorney's fees will be paid. Disclosure states $3,250 will be paid outside of the plan. One of these needs to be amended.

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Need copy of May 2020 Credit Union of NJ checking and savings accounts statement. (NOT RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $6115.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is nonexempt equity of $2897.16 in Credit Union of NJ savings and checking accounts.
1. File pre-confirmation certification. (NOT FILED)
2. Need copy of 401k loan statement (NOT RECEIVED)

Plan proposes: $1,100 x 60, base
Payments: 1/2, arrears $1,100
Matter ResolvedRequest
Adjourment
2048/12/2020 10:00 am20-17795 / MBKEric ClaymanConfirmation Hearing ScheduledContinued
10/28/2020 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,200.00  
341 on for 8/27/20
had proof of pending payment 1,200
Matter ResolvedRequest
Adjourment
2058/12/2020 10:00 am20-17878 / MBKWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
10/6/2020 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $256.00  
As of 8/3/20 (DS): 1. Debtor in arrears $512, made 0 out of 2 payments.

2. Trustee obj to the following:
- There is disposable income $522.68.
- Must file Pre-confirmation certificate.

3. IRS filed esimtated claim, 2014-2018 not filed.

Prop Plan $256 x 36 Dollar Bas $3,586
Matter ResolvedRequest
Adjourment
2068/12/2020 2:00 pm14-15626 / MBKEdward Hanratty, Esq.Cross MotionWithdrawn
Matter ResolvedRequest
Adjourment
2078/12/2020 2:00 pm16-26911 / MBKJustin M. Gillman, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment
2088/12/2020 2:00 pm17-29937 / MBKEric ClaymanMotion CompensationGrantedTotal Paid In: $9,425.00
Matter ResolvedRequest
Adjourment
2098/12/2020 2:00 pm18-28614 / MBKJOHN F. BRACAGLIA, JR, ESQ.Confirmation Hearing on Modified PlanConfirmedDebtor has made 12 of 24 required payments   Arrears: $1,000.00  Total Paid In: $12,000.00
AR ALL PARTIES AGREE WITH TERMS
ISSUES AS OF 8/5/2020 (DM): Updated 8/10/20

***Trustee received a copy of the proposed 4-month Trial Mod with the last payment due 12/1/20. TRUSTEE IS RECOMMENDING CONFIRMATION AT $11,000 PTD, THEN $1,000 x 38 STARTING 8/1/2020, 100% PLAN (Note - will complete early), LOAN MOD WITH WILMINGTON SAVINGS/SELENE BY 1/15/2021, NO PAYMENT OR RESERVE BY TRUSTEE PENDING THE LOAN MOD, OTBS ON OBJECTION WITHON 30 DAYS, STRIKE PLAN TREATMENT TO THE IRS AND TRUSTEE IS AUTHORIZED TO PAY STATE OF NJ POC (1-1)***

 7/8/20 - AR sent email to atty for update.

 6/2/20 - PER MBK, LOAN MOD APP WITHIN 2 WEEKS, 30 DAY FOR BANK REVIEW

 5/5/20 - ADJ by MBK to 5/19/20 - Debtor's counsel and creditor's counsel to get approval on Trustee proposed confirmation terms pending resolution of the Debtor's motion to modify the mtg claim (MOTION DENIED BY MBK).

 3/13/20 - John Bracaglia & Stern Lav still working on resolving objection - ADJ to 4/22/20

 2/26/20 - AR, ADJ to 3/11/20 - need resolution with Wilmington Savings/Selene (STERN LAV) and must be paid through plan - email update by 3/11/20.

 2/19/20 - Response Doc filed - property sold and atty is holding $224,971.63 in trust account.

 2/13/20 - The time provided for in the MP to sell the property owned by the Debtor's mother to fund the arrears claim of Wilmington Savings has expired - what is the status?

1) MP proposes $7,100 priority treatment to the IRS - no POC filed (STRIKE??)

2) MP proposes $4,400 priority treatment to State of NJ - POC filed for $17,620.35 (PAY PER POC??)

3) Trustee OBJ:
- Plan must remain at 100% due to non-exempt equity in real estate.


Confirmed Case: $4,500 Ptd, $500 x 51 start 7/1/19, 100% Plan
- Sale by 12/31/19
Prop. MP: $500 x 60 start 10/1/18, Base Plan
- Sale by 2/13/20
PTD 22/23 = $11,000
Last Claim (2-2) dated 5/2/20
Matter ResolvedRequest
Adjourment
2108/12/2020 2:00 pm19-20962 / MBKEdward Hanratty, Esq.Motion CompensationGrantedTotal Paid In: $4,353.00
trustee no opposition EDC
Matter ResolvedRequest
Adjourment
2118/12/2020 2:00 pm20-17578 / MBKMelinda D Middlebrooks, EsqOrder Show CauseWithdrawn
FILING FEES
Matter ResolvedRequest
Adjourment
2188/12/2020 2:00 pm20-18527 / MBKEdward Hanratty, Esq.Order Show CauseWithdrawnTotal Paid In: $222.00
FILING FEES
Matter ResolvedRequest
Adjourment
2198/12/2020 2:00 pm20-18616 / MBKYAKOV RUDIKHOrder Show CauseWithdrawnTotal Paid In: $200.00
MISSING DOCS
Matter ResolvedRequest
Adjourment
2208/12/2020 2:00 pm20-18627 / MBKSTEPHANIE RITIGSTEINOrder Show CauseWithdrawn
MISSING DOCS
Matter ResolvedRequest
Adjourment
2218/12/2020 2:00 pm20-18659 / MBKSTEVEN J ABELSON, ESQOrder Show CauseWithdrawnTotal Paid In: $1,719.00
FILING FEES
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes