Judge Christine M. Gravelle
Hearing Date: 9/1/2021
Hearing Count: 86
Last Updated: 10-15-2021 07:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
19/1/2021 9:00 am16-26531 / CMGRobert Manchel, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
10/6/2021 9:00 am
Total Paid In: $44,520.00
adj for NOS no obj (deadline 9/29/21.
MTN TO DISBURSE PROCEEDS FROM LIFE INS

8/26/21**SETTLED -NOTICE OF SETTLEMENT TO BE FILED TR TO RECEIVE $25,000 BALANCE TO DEBTOR


>>Mk: Atty to discuss w/ AR





8/16/21: TR OBJ. More proceeds than in motion accord to amended C. Not all creditors were served by Cert of Service

7/15/21mk: needs to file amended sch B & C for life Insurance proceeds under(d)(11)(C)and proof of medical issues for co debtor. sent Email to atty.

8/13/21: amended B & C filed. need to review.



Plan will be in mo 60 in August . plan balance -0-
Matter ResolvedRequest
Adjourment
29/1/2021 9:00 am16-33457 / CMGDAVID A. SEMANCHIK, ESQMotion Relief from Stay (Fee)GrantedTotal Paid In: $41,288.00
SANTANDER CONSUMER / 2018 Kia Forte (MORTON)
Matter ResolvedRequest
Adjourment
39/1/2021 9:00 am16-34651 / CMGJoseph Casello, Esq.Motion CompelGranted
MTN TO COMPEL TD BANK TO DISCHARGE OF RECORD MTG ENCUMERING 1740 DANIEL COURT
Matter ResolvedRequest
Adjourment
49/1/2021 9:00 am17-15982 / CMGEric ClaymanCreditor Certification of DefaultContinued
10/6/2021 9:00 am
Total Paid In: $43,517.00
Debtor obj<> CHAMPION MORTGAGE/Nassau Drive (MaCALLA RAYMER)
Matter ResolvedRequest
Adjourment
59/1/2021 9:00 am17-25899 / CMGLAURENCE R SHELLER, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/20/2021 9:00 am
Total Paid In: $49,150.00
8/31/21(mk): on 8/30 prestige on BMW amended claim to deficiency guc $6,325.09 so MP on for 10/6 at 100% not feasible

8/26/21(mk): MP filed to surrender auto and recap arrears.

8/24/21(mk) ARREARS are now 2,451.81 SV on 2011 BMW -


7/15/21(mk): emailed atty asking where is MP? REPLY: He's working on it

5/25/21: mk: Arrears $1.667.81. Atty to file MP to surrender car and amended I & J

Debtor obj<>SV/PRESITGE
Matter ResolvedRequest
Adjourment
69/1/2021 9:00 am17-31846 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $24,890.00
8/30/21(mk) STATUS CHANGE :SETTLED

Debtor opp'n:(Debtors made a payment in the amount of $3900.00 on 8/3/2021 leaving a balance of $3109.04 in which the debtors want to re-capitalize.)

NEWREZ/SHELLPOINT/1ST AVENUE (PINCUS LAW)
Matter ResolvedRequest
Adjourment
79/1/2021 9:00 am17-33598 / CMGPRO SEMotion Reopen Ch. 13 Case (fee)Granted
MTN TO REOPEN TO OBTAIN DISCHARGE


>Needs Form of Order Reopening Case(rev 5/1/91)

Debtor filed Cert in Support of Discharge which was the deficiency
Matter ResolvedRequest
Adjourment
89/1/2021 9:00 am18-24334 / CMGRUSSELL L LOW, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/15/2021 9:00 am
Total Paid In: $9,150.00
AMT: MP 9/1 <>>

Debtor obj, filing MP<>ARREARS

Matter ResolvedRequest
Adjourment
99/1/2021 9:00 am18-27158 / CMGWilliam H. Oliver, Jr., Esq.Motion SellGrantedTotal Paid In: $12,599.00
17 PURNELL ST
Matter ResolvedRequest
Adjourment
109/1/2021 9:00 am18-28067 / CMGROBERT C NISENSON ESQTrustee Certification of DefaultTrustee OrderTotal Paid In: $7,530.00
AMT: MP 9/1<>

Per Ar :TR for recap $7530 PTD , Then 219 x 24 begin 10/1/21

and in bank order include LM thru portal


Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment
119/1/2021 9:00 am18-28067 / CMGROBERT C NISENSON ESQMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $7,530.00
debtor obj.(Says working on LM)

>COMMUNITY LOAN/south Fulton St(SCHILLER, KNAPP)

mk: OTBS extend time for LM for 3 mos
Matter ResolvedRequest
Adjourment
129/1/2021 9:00 am18-29247 / CMGMarc C. Capone, Esq.Motion Relief from Co-Debtor StayGrantedTotal Paid In: $32,000.00
THRIFT INVESTMENT/2011 BMW(MORTON)
Matter ResolvedRequest
Adjourment
139/1/2021 9:00 am18-29682 / CMGLAURENCE R SHELLER, ESQMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $16,887.00
Debtor obj<>U.S. BANK NAT'L ASSOC/ Pennington Ave (LOGS)

8/19/21:CO submitted .
Matter ResolvedRequest
Adjourment
149/1/2021 9:00 am18-33956 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayMoot - DismissedTotal Paid In: $12,180.00
SANTANDER CONSUMER/2013 GMA Acadia (MORTON)
Matter ResolvedRequest
Adjourment
159/1/2021 9:00 am19-00111 / CMGUNKNOWNMotion for SantionsContinued
9/29/2021 12:00 pm

THIS IS GOING TO BE ADJOURNED. 9/29/21 at noon


>>HOLD FOR JUDGE<<


TRUSTEE MTN FOR FURTHER SANCTIONS AGAINST WILLIAM OLIVER
Matter ResolvedRequest
Adjourment
169/1/2021 9:00 am19-11495 / CMGWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultGrantedTotal Paid In: $28,145.00
mk: atty will be sending note to request Tr dismiss

8/31/21:mk:per email from Cameron no contact w/ debtor and if not heard from by hearing, will w/d opp'n and let relief be granted.

PER CREDITOR- THIS WILL NEED JUDGE

AR REC CONDUIT PAYMENTS TO RESOLVE

Debtor obj<> FREEDOM MTG/Central Parkway (Powers)
Matter ResolvedRequest
Adjourment
179/1/2021 9:00 am19-12120 / CMGJonathan Stone, Esq.Order Shorten TimeOrder to be SubmittedTotal Paid In: $19,230.00
Mk: contact atty for Order NS at hearing. Emailed atty 9/1/21 @1:46 PM said need a revised Order to include lang below.

>>OST<<

MTN TO REFI

MK: needs revised Order :to include Copy of HUD/Settlement form Refi to Tr w/in 7 days. Amended I & J w/in 7 days of closing
new mtg payment will be a bit lower w/ the refi.

Case confirmed at 100%
Matter ResolvedRequest
Adjourment
189/1/2021 9:00 am19-12423 / CMGYAKOV RUDIKHMotion Relief from Stay (Fee)GrantedTotal Paid In: $8,781.00
SANTANDER CONSUMER/ 2005 Toyota Prius (MORTON)
Matter ResolvedRequest
Adjourment
199/1/2021 9:00 am19-17676 / CMGBRIAN D WINTERS, ESQMotion Motion (Generic) - Only use if no other event is applicableWithdrawnTotal Paid In: $16,324.00
MTN TO ALLOW DEBTOR TO REFI



TR limited obj.: refin current home. Mtg payment goes down. Order has file MP . TR ALSO NEEDS in the Order : amended I & J and copy of HUD w/in 7-10 days
Matter ResolvedRequest
Adjourment
209/1/2021 9:00 am19-19290 / CMGWilliam H. Oliver, Jr., Esq.Trustee Certification of DefaultDismissedTotal Paid In: $2,816.00
8/16/21: email to atty: atty reply just need adj to 9/1 to communicate more fully w/ daughter of debtor about case.

Atty filed obj, debtor deceased, family will advise how to proceed<> ARREARS

MK: notes: only person pd in this case has been Atty. 0% and only secured debt is car cram. bal of atty fees =2713.26. what's point to continue w/ this?




















Matter ResolvedRequest
Adjourment
219/1/2021 9:00 am19-27824 / CMGGeorge E Veitengruber IIIMotion Relief from Co-Debtor StayContinued
9/15/2021 9:00 am
Total Paid In: $35,145.00
NATIONSTAR/COOPER MTG/Wertsvlle Rd (FRIEDMAN VARTOLO)

8/26/21(Mk) request to adj uploaded for 9/15/21.Working on resolving
Matter ResolvedRequest
Adjourment
229/1/2021 9:00 am19-28428 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Continued
10/6/2021 9:00 am
Total Paid In: $10,470.00
Debtor obj<>TALL OAKS AT MONROE MANOR CONDO/MORNING GLORY DRIVE (MEZZACCA & KWASNIK)
Matter ResolvedRequest
Adjourment
239/1/2021 9:00 am19-28642 / CMGDOROTHY L WRIGHT, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $3,400.00
NOTE , GOES WITH CONF
AMT: MP 9/1>ISSUES>

ARREARS as of Sept 7,040
Matter ResolvedRequest
Adjourment
249/1/2021 9:00 am19-28795 / CMGSTEVEN J ABELSON, ESQMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $4,600.00
Debtor obj<>PENNYMAC LOAN/Eastern Blv (POWERS)

8/31/21(mk) order submitted to Chambers today
Matter ResolvedRequest
Adjourment
259/1/2021 9:00 am19-29480 / CMGKevin Fayette, EsqTrustee Certification of DefaultTrustee OrderTotal Paid In: $11,950.00
AMT: $11,950 PT (22); $871 X 38 BEG 9/1/21 ( ATTY ok)<<>>


Debtor obj, can pay $2,500 and request recap<> ARREARS
Matter ResolvedRequest
Adjourment
269/1/2021 9:00 am19-31145 / CMGWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $19,101.00
Debtor obj<> FREEDOM MTG/Hawthorne St (Brock & Scott)
Matter ResolvedRequest
Adjourment
279/1/2021 9:00 am19-33953 / CMGVERA MCCOYMotion Relief from Stay (Fee)GrantedTotal Paid In: $5,920.00
BIENVENUE CONDO/Liberte Court (CHESTER LUSZCZ)
Matter ResolvedRequest
Adjourment
289/1/2021 9:00 am20-10231 / CMGAngela Nascondiglio Stein Creditor Certification of DefaultGrantedTotal Paid In: $5,226.00
>>8/31/21(mk) Status Chg. Debtor Opp'n w/d so relief will be granted


Debtor obj<> NATIONSTAR (Robertson Anschutz)

Matter ResolvedRequest
Adjourment
299/1/2021 9:00 am20-11797 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
10/6/2021 9:00 am
Total Paid In: $18,863.00
CARRINGTON MTG /Lighthouse Dive (LOGS)
Matter ResolvedRequest
Adjourment
309/1/2021 9:00 am20-11856 / CMGWilliam H. Oliver, Jr., Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $6,968.00
AMT: ARREARS CURED/WILL COMPLETE TIMELY<<>>

Atty file obj, debtor will make pymt<> ARREARS
Matter ResolvedRequest
Adjourment
329/1/2021 9:00 am20-12220 / CMGDaniel Straffi, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $6,599.00
Debtor obj<>CENLAR/Bel Aire Court West (Powers)

>TR Motion on 7/7/21 & MP>ISSUES<

MP Filed 1/13/21:trying to extend LM period. If denied, plan then calls for sale/refi
adj several times - now on 4/21/21: Rec Denial
Matter ResolvedRequest
Adjourment
319/1/2021 9:00 am20-12220 / CMGDaniel Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $6,599.00
AMT:MP 9/1


----------

MP adj to 8/4/21>>ISSUES<<

---------
AMT: MP 4/21<>>
no payments for March & April & credit dert of default on 4/21 and obj to conf.


MP adj. to 3/17/21.>>ISSUES/NEED RESOLUTION<<

2/12/21: MP on 2/17/21>>ISSUES NEED RESOLUTION>>

> Creditor Cert of Default(Powers) on 2/17/21

debtor in final LM review

1/13/21(mk): Mp filed. Hearing ON 2/17/21.

trying to extend LM period. If denied, plan then calls for sale/refi

Debtor obj, can pay $500 & requests recap<>FAILED TO LM BY 10/1/20; ARREARS


Matter ResolvedRequest
Adjourment
339/1/2021 9:00 am20-12548 / CMGMark Kriegel Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $48,828.00
Debtor obj<>WILMINGTON SAVIGS / Timberlane Drive (LEOPOLD & ASSOC)

new servicer and bk needs an accounting
Matter ResolvedRequest
Adjourment
349/1/2021 9:00 am20-13569 / CMGKARINA PIA LUCID, ESQ.Trustee Certification of DefaultTrustee OrderTotal Paid In: $13,814.00
NS- mk to contact atty and cc AR- no appearance and need to resolve by 9/15/21. attty reply do TR order

9/1/21:now only 42 mos left so $11,752.67 PTD, Then $1,211 x 42 Begin 10/1/21

8/27/31:Debtor obj, made pymt<> ARREARS are $6,102.78. Last pay 8/27/21 for $550. Debtor never pays full payment since confirmed in10/20.


8/30/21:mk:email to atty:
Case will pay out at 100% less than base balance. Case can continue at
$11,752.67 PTD, Then $1,211 x 43 Begin 9/1/21

and it will complete early
Matter ResolvedRequest
Adjourment
359/1/2021 9:00 am20-16393 / CMGMARCIA Y. PHILLIPSMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $16,037.00
8/25/21(mk): Revised Order for LM in proper form submitted to chambers today.

8/24/21(mk): sent atty email w/ proper LM Order form to submit to chambers.

8/7/21(mk): Motion To Approve LM filed- needs a proposed order for motion


7/15/21(mk) Atty reply: LM approved. need to file motion
to approve and get creditor to file an APOC or she can file a MP
NEEDS ADJ REQUEST TO ADJ THHIS out to 8/18/21.

7/13 amt: IRS APOC #2-2 FILED/est clm resolved - NEEDS TO ADDRESS LM DEFICIENCY<<>>(mk: sent atty email on 7/15/21)


Debtor obj<>FAILED TO LM BY 3/1/21; FAILED TO ADDRESS IRS EST CLM #2-1

>per conf in Nov. 2020. was to be amended IRS poc w/in 60 days
Matter ResolvedRequest
Adjourment
369/1/2021 9:00 am20-16393 / CMGMARCIA Y. PHILLIPSMotion to Approve Loan ModificationOrder Previously SubmittedTotal Paid In: $16,037.00
8/25/21(mk): Revised Order for LM in proper form submitted to chambers

8/24/21(mk): sent atty email w/ proper LM Order form to submit to chambers.

Trustee obj<> MTN FOR LM

MK:NEEDS TO SUBMIT THE PROPOSED ORDER PER THE CT MANDATORY LM FORMS AS AMENDED 12/2019
Matter ResolvedRequest
Adjourment
379/1/2021 9:00 am20-16754 / CMGWilliam H. Oliver, Jr., Esq.Objection to Debtor's Claim of ExemptionsWithdrawnTotal Paid In: $21,426.00
MP on 9/15/21.

>>MK:REVIEWED BANK STATEMENTS PROVIDED BY ATTY FOR MAY AND JUNE. NO EQUITY


mk: Filing a MP-Covid extend to 72 mos and reducing base to 52,000- need to resolve the NE Equity in Bk acct $9,810.95- they dispute that. We agree on RE equity is 53,120

MP FILED AND ON FOR 9/15/21. MP pays RE Equity to gucs. Need to resolve equity in bank acct.
---------------------------------------
Debtor response<>TRUSTEE OBJ AMD C, #29 REDUCES REAL PPTY VALUE


..MK liquidation #s end up in same place -ok to w/d Tr objection. TH is protected by conf terms.

mk: case confirmed8/19/20 . RE value 310,000 minus mtg, other lien and exemption(50,300) and COS NE Equity was 53,120.84 plus equity in personal assets of 9,810.95 for total $62,931.79 . Confimred at 100% and equity was preserved.

Prior Amended C 6/10/20 value $310,000
Matter ResolvedRequest
Adjourment
389/1/2021 9:00 am20-20746 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
9/15/2021 9:00 am
Total Paid In: $4,947.00
adj 9/15/21: NFA debtro to appear or dismiss

Debtor filed obj; Creditor response<>MILL POND AT EATONTOWN CONDO/Mill Pond Way (McGOVERN LEGAL)
Matter ResolvedRequest
Adjourment
399/1/2021 9:00 am20-20746 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayGrantedTotal Paid In: $4,947.00
FORD MOTOR/218 Explorer (MORTON)


Matter ResolvedRequest
Adjourment
409/1/2021 9:00 am20-21649 / CMGWilliam H. Oliver, Jr., Esq.Motion Motion (Generic) - Only use if no other event is applicableWithdrawnTotal Paid In: $3,305.00
8/30/21(mk):email from creditor atty, W.Brewer saying the matter is settled and Oliver is to W/D this motion
"The settlement amount was paid to his office last week and his office has deposited the settlement check. Mr. Oliver was to withdraw the motion. To my knowledge, he has not yet done so.



MTN FOR VIOLATION OF STAY AGAINST MARINER FINC AND WILLIAM BREWER



Mk: WILL NEED JUDGE TO AWARD ANY FEES/COSTS
Matter ResolvedRequest
Adjourment
419/1/2021 9:00 am21-11355 / CMGAndrew Thomas Archer Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $6,176.00
MTN TO REDUCE GLIA GROUP CLM #10 TO $39,084.67

mk: claim is for muni tax tax cert.
Matter ResolvedRequest
Adjourment
429/1/2021 9:00 am21-11535 / CMGANTHONY ARECHAVALAHearing Scheduled (Document)Withdrawn
MTN TO VOLUNTARY CHAPTER 13 CASE

MK: MOOT. CASE WAS DISMISSED AT CONF ON 8/4/21. NO APPEARCE BY ATTY
Matter ResolvedRequest
Adjourment
439/1/2021 9:00 am21-12058 / CMGJOHN ZIMNIS, ESQMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $1,545.00
MTN TO EXPUNGE CIGPF I CORP, CLM #10 & 11


Cert of Service filed- Why does atty not use the mandatory form for cert of service???

Matter ResolvedRequest
Adjourment
449/1/2021 9:00 am21-12356 / CMGJOSEPH J MANIA III ESQMotion Relief from Stay (Fee)Continued
10/6/2021 9:00 am
Total Paid In: $7,206.00
COMMUNITY LOAN / Meadow Lane (SCHILLER, KNAPP)
creditor requested adj to 10/6/21 to resolve

>>WHAT IS STATUS OF LM? per 7/6/21 note below

CONF ON 7/7/21: it was confirmed

7/6/21(mk) Creditor email:The debtor has entered into a trial modification with our client and the debtor's attorney has requested time to allow the trial modification process.
motion was adj f7/7/21 to 8/4/21 and now to 9/1/21.

MK;NEED REQUEST TO ADJ MOTION

also conf on 7/7/21:Issues
Matter ResolvedRequest
Adjourment
459/1/2021 9:00 am21-13872 / CMGJONATHAN GOLDSMITH-COHEN, ESQMotion to Approve Loan MODIFICATIONOrder to be SubmittedTotal Paid In: $1,382.00
8/19/21(mk): revised proper Order on docket at #21. ERROR MESSAGE ON DOCKET. NEEDS TO BE SUBMITTED TO CHAMBERS

>>Debtor cert filed 8/30/21


MK; creditor requesting 2 week adj. to reach out to debtor atty for cert and revived Order completing Parg 4-

Trustee obj<> FREEDOM MTG MTN FOR LM ( Brock & Scott)

MK: no cert from debtor and parga 4 of Order needs to be completed
Matter ResolvedRequest
Adjourment
469/1/2021 9:00 am21-14290 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayWithdrawnTotal Paid In: $1,544.00
WILMINGTON SAVINGS/Elm St (ROBERTSON, ANSCHUTZ)



MK: FYI: plan confirmed 7/2021 and surrendered RE. Suppl atty disclosure filed 8/9/21: debtor pd $500 for LM.
Matter ResolvedRequest
Adjourment
479/1/2021 9:00 am21-15667 / CMGMarc C. Capone, Esq.Motion Confirming Automatic Stay is Not in EffectContinued
9/15/2021 9:00 am

adj to 9/15/21 this was 2nd adj so crediotr says NFA
mk:look back at PN form 9/1/21 hearing

>>OST << NEEDS JUDGE

--Debtor obj; Creditor response<>TEMPLAR REAL ESTATE SOUTH LLC MTN FOR STAY RELIEF/Grand St (Schwartzberg)
Matter ResolvedRequest
Adjourment
489/1/2021 10:00 am18-14201 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing on Modified PlanConfirmedDebtor has made 23 of 43 required payments   Arrears: $679.00  Total Paid In: $15,315.00
8/31/21(mk) Atty ok to terms

8/23 workup for the 9/1 calendar EDC

**Needs wage order or TFS due to payment history and payment increase

**To CONFIRM IT NEEDS:
$14,636 paid then $679 x 19 beginning 9/1/21--Wage order or TFS in 7 days--file fee application in 7 days--credit acceptance surrendered with unsecured balance to be paid pro rata with other unsecured creditors--student loans outside



proposed
$612 X 21 BEG 7/2021; BASE
Matter ResolvedRequest
Adjourment
499/1/2021 10:00 am18-24334 / CMGRUSSELL L LOW, ESQConfirmation Hearing ScheduledContinued
9/15/2021 10:00 am
Debtor has made 31 of 39 required payments   Arrears: $2,550.00  Total Paid In: $9,150.00
ISSUES AS OF 8/24/2021 (DM):

1) Trustee OBJ:
- Need updated income
- Need 2020 tax return


Confirm Case: $300 x 60 start 8/1/18, Base
Prop. MP: $8,850 Ptd, $150 x 24 start 8/1/21, Base
PTD = $9,000
Last Claim (4-3) dated 8/24/20
Matter ResolvedRequest
Adjourment
509/1/2021 10:00 am18-28067 / CMGROBERT C NISENSON ESQConfirmation Hearing on Modified PlanDeniedDebtor has made 34 of 37 required payments   Arrears: $219.00  Total Paid In: $7,530.00
As of 9/1/21 (DS): 1. Debtor in arrears $800.

2. Mod Plan notes Section 1e loan mod outside within 3 months from conf, but does not mark 1e, also this info is not on Section 1c. Case was previously confirmed as Baview/Community Loan was to be treated outside and that creditor is free to seek stay relief. Not sure why mod plan was filed to extend loan mod.

3. Community Loan Servicing (SCHILLER, KNAPP, LEFKOWITZ & HERTZEL) obj to plan proposing loan mod, no loan mod has been complete and no arrears proposed to be paid in plan. Obj must resolved. STATUS CHANGE FORM SUBMITTED AND RECEIVED 9/1/21. WHAT ARE THE TERMS?

MP Prop $7,130 PTD; $220 x 26 begin 8/1/21; 100% - Debtor needs additional time to complete Loan mod outside the plan.
Matter ResolvedRequest
Adjourment
519/1/2021 10:00 am19-28171 / CMGPRO SEConfirmation Hearing ScheduledConfirmedDebtor has made 18 of 25 required payments   Arrears: $386.00  Total Paid In: $6,776.00
8/23 workup for the 9/1 calendar EDC

**CAN CONF AT: 6390.10 paid then $386 x 61 beg 9/1/21 pro rata


-filed COVID cert--84 months
-filed amended I & J

MP proposes $382 X 64 BEG 8/2021; BASE
Matter ResolvedRequest
Adjourment
529/1/2021 10:00 am19-28642 / CMGDOROTHY L WRIGHT, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 8 of 25 required payments   Arrears: $425.00  Total Paid In: $3,400.00
WILL NEED JUDGE AT NOON- TR HAS REC TERMS BELOW

9/1/21(Mk): Tr has reviewed all amended schedules, supporting docs and certifcations of debtor and creditor.

Trustee will **REC CONFIRM AT $3,400 PTD, Then $425 x 36 Begin 10/1/21;BASE: Debtor to provided updated proof of income (Paystubs from Dec. 2021- May 2022) and 2021 tax return w/in 9 mos(6/1/22) of Confirmation.**

8/31/21(mk); Atty filed Debtor certification(#75)responding to issues.
> Plus uploaded auto insurance for Kia provided & 8/26/21 pay stub.MK will review and rec a plan payment amt going forward.PLAN ARREARS TO DATE OF 7,040 NEED TO BE ADDED BACK IN.

8/26/21(mk): Updated AMENDED I & J FILED. Isssues re: car & expense need proof( Provided) Need clarification on this what happended to 2015 explorer?(MK: debtor NEVER owned an explorer. He owned a Ford Escape.
-If debtor now driving Kia. need Proof he pays the "rental" payment of $547 (CK for Aug payment provided)and the 131 contrib to insurance"


8/26/21: email form C. Brickley(ex) objections - told her to file objection w/ ct so it is on the docket.(Filed at #73.)
------------------------------

8/24/21: atty reply and filing amended J for child expenses ( debtor has 2 kids- boy & girl)for dance & car rental...

>>Ex Souse still has unresolved objection as stated below form last hearing.

8/19/21(mk): sent atty email as to issues. Filed Suppl. obj.

TR Suppl. Objection
-There is a deduction on pay stub for Credit Union which varies each
check. YTD is $5,700 . What is this deduction for?(NOT MANDATORY)
- schedules fails to account for 2020 tax refund of $6,105.(atty says only got a refund b/c for 2020 got to take daughter as deduction)
- plan arrears need to be added back in due to
the debtor not adjusting his payment to the higher confirmed tier of
$804 beginning 12/1/20.
- debtor has failed to provide Need current declaration page for auto
insurance.(car not in debtor's name- rents it )
-need Proof of the $547 car payment.( debtor p
Matter ResolvedRequest
Adjourment
539/1/2021 10:00 am20-12220 / CMGDaniel Straffi, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 12 of 20 required payments   Arrears: $1,116.00  Total Paid In: $6,599.00
ISSUES AS OF 8/26/2021 (DM): Updated 8/30/21- Atty ok to terms9mk)

***TRUSTEE RECOMMENDS CONFIRMATION AT $6,599 PTD, THEN $558 x 42 STARTING 9/1/21, BASE PLAN, LOAN MOD WITH ALLY BANK BY 12/1/21, NO PAYMENT OR RESERVE BY THE TRUSTEE PENDING THE LOAN MOD***

1) Ally Bank (POWERS) OBJs to extension of timelines for Loan Mod, Refi and Sale (ORDER SUBMITTED - TRIAL MDD SEPT, OCT & NOV).


Confirm Case: $3,000 Ptd, $500 x 54 start 9/1/20, Base
Prop. MP: $500 x 60 start 3/1/20, Base, Sale/Refi/Loan Mod by 6/1/21
PTD = $6,599
Last Claim (11-1) dated 4/14/20
Matter ResolvedRequest
Adjourment
549/1/2021 10:00 am20-15080 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
10/6/2021 10:00 am
Debtor has made 19 of 19 required payments   Arrears: $0  
Total Paid In: $3,029.00
As of 8/24/21 (DS): 1. Trustee obj to the following:
- Must file amended Schedules I & J.
- Need 2 months recent proof of income from Debtors and 2020 tax returns.
- Modified plan increases Trustee payment from $135 to $567, income previously verified
$-778.28. Mod plan Section 9 states amended Sched I & J will also be filed, but not done.
- The plan includes IRS 2020 taxes, no claim filed, no motion to allow Trustee to pay late filed
claim, also Section 8d does not mark off that Trustee is authorized to pay post-petition claims.

MP Prop $567 x 21 begin 7/1/21; Dollar Base $2,419.95 - Adding post-petition mortgage arrears and extending length of plan from 36 to 50 months.
Matter ResolvedRequest
Adjourment
559/1/2021 10:00 am20-17033 / CMGBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledContinued
10/6/2021 10:00 am
Debtor has made 12 of 17 required payments   Arrears: $2,511.00  Total Paid In: $9,218.00
8/23 workup for the 9/1 calendar EDC

--covid cert filed
**trustee objection--still need to file amended schedules I & J, updated POI and 2020 tax returns


$8748 PTD; $100 X 12; $908 X 46 BEG 8/2021; BASE
Matter ResolvedRequest
Adjourment
569/1/2021 10:00 am20-18572 / CMGJOHN ZIMNIS, ESQConfirmation Hearing ScheduledContinued
10/6/2021 10:00 am
Debtor has made 62 of 15 required payments   Arrears: $1,650.00  Total Paid In: $33,966.00
NFA
8/23 workup for the 9/1 calendar EDC

-sent email to Zimnis re: status of sale, HUD etc. for confirmation---Per Zimnis there is a title issue holding up closing


proposed $6050 PTD; $370 X 73 BEG 7/1/2021; MIN $26,000

Matter ResolvedRequest
Adjourment
579/1/2021 10:00 am20-20866 / CMGMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 9 of 13 required payments   Arrears: $0  
Total Paid In: $11,900.00
8/23 workup for the 9/1 calendar EDC

**CAN CONFIRM AT:

$9100 paid then $1400 x 27 beg 9/1/21-100%---MIN $70728 GUCS N/E EQUITY

Matter ResolvedRequest
Adjourment
589/1/2021 10:00 am20-21456 / CMGROBERT C NISENSON ESQConfirmation Hearing on Modified PlanContinued
9/15/2021 10:00 am
Debtor has made 10 of 12 required payments   Arrears: $0  
Total Paid In: $3,000.00
NOTE atty says closing today or tomorrow but RE taxes were not paid.

8/23 workup EDC

**attorney needs to request 2 week adjournment to 9/15 to close on property-if not done case should be dismissed--case is 10 months old EDC

MK: atty now says will close 9/2/21. CMG debtor to pay 1200 taxes& will adj to 9/1/21 for status

NEEDS JUDGE

8/17/21(mk): Debtor not filed the certification from the buyer regarding the "environmental concerns" as requested at the 8/4 hearing.


8/5 workup for the 8/18 calendar EDC
SAME AS LAST TIME

per mk: adj to 8/4/21 NFA- re has to be closed and ready to confirm. NO SALE REC DISMISSAL EDC

TR REC DISMISSAL
6/25 workup for the 7/7 calendar

-order lifting stay up to judgment(Source enterprises- on 314-16 E 4th st.)entered 5/18/21.

2 payments arrears, wants time to try to sell per last adjournment. Nothing done since February. Recommend DISMISSAL

-motion to sell on for 6/16 was granted -need status

-plan will be a low base plan pending sale. Will be 100%--cannot confirm until objections resolved

-1) City of Plainfield (Goldenberg Mackler) objection to confirmation - need to resolve
-tax sale certificate $119,189.30 plus interest 18%
2) Source Enterprises LLC (Pelligrino & Feldstein) objection to confirmation - need to resolve
-tax sale certificate $86,282.30(On 314-16 E. 4Th St.)
-------------------

2/23 workup for the 3/3 calendar EDC

-2 payments arrears
-Motion to sell also scheduled with multiple objections-SALE NOW WITHDRAWN
-plan will be a low base plan pending sale. Will be 100%--cannot confirm until objections resolved

1) City of Plainfield (Goldenberg Mackler) objection to confirmation - need to resolve
-tax sale certificate $119,189.30 plus interest 18%
2) Source Enterprises LLC (Pelligrino & Feldstein) objection to confirmation - need to resolve
-tax sale certificate $86,282.30(On 314-16 E. 4Th St.)


MP proposes $600 PTD; $300 X 57 BEG 2/21; SALE W/I 12 MO (314 EAST 4TH ST); 100%
--------------------------
Matter ResolvedRequest
Adjourment
599/1/2021 10:00 am20-23643 / CMGANDREW J KELLY, ESQConfirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 9 of 10 required payments   Arrears: $0  

9/1/21:Per CMG: need briefing on if Bkcy Ct. can estimate or fix claim on NY Ct.- and is this a liquidated or unliquidated claim?

>> Debtor Brief by 9/22/21 then reply by J. Cohn on behalf of creditor by 10/13/21.


AR 109 E ISSUE NOT RESOLVED SINCE CASE FILED IN DEC MEDIATION UNSUCCESSFUL - REC DISM WO PREJUDICE , IF RESOLVED WI 30 DAYS MOTON TO VACATE OR NEW CASE
ISSUES AS OF 8/26/2021 (DM):

***Need resolution of Adv Pro with creditor/plaintiff represented by Jonathan Smith Cohen, Esq - Decision on Inquest in the Supreme Court of NY resulted in the filing of an unsecured claim that creates a 109(e) issue***

 6/2/21(MK): Docs uploaded recently- need review. Debtor has not addressed 122c and Atty hopes that if Adv Pro is resolved case will be 100%.

1) Pennymac (FRENKEL LAMBERT) OBJs - $13,365.46 arrears - plan list as outside and unaffected (7/21/21:mk:OTBS)

2) Trustee Supplemental OBJ:
- There is $6,375 non-exempt equity in bank account.
- Possible non-exempt equity in trucking business pending valuation.
- Need proof that debtor is paying voluntary child support.

3) Trustee OBJ:
- Need CMA - comps provided 5/25/21 has no dates on comps and is not a CMA, and previous CMA dated 8/26/19 (UNRESOLVED).mk: debtor says getting a new CMA.
- Need DSO Information sheet (DSO IS VOLUNTARY).
- Need accountants valuation for trucking business (UNRESOLVED).
- Need Cert from debtor as to credit card payments (preference payments) made shortly before filing including name of creditor, date of payment and amount of payment. Also need to include in Cert that he voluntarily pays child support $600 per month, to whom he pays those funds and provide proof that he actually pays support (RECEIVED).
- Amount of debt in debtor's Plan exceeds the statutory limit for secured or unsecured debt pursuant to Section 109(e) up to $419,275. Total unsecured claims filed $765,394.99 (UNRESOLVED).
- Excessive Expenses Sch J: $540 utilities, $2,552 Transportation (P&L $1,512 and $1,040 Sc
Matter ResolvedRequest
Adjourment
609/1/2021 10:00 am20-23718 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
10/20/2021 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

NOTE: AR PER CONV ORDER NEEDS TO BE RECONVERTED TO 7

8/23/21 (SF) - Atty will be requesting adjournment as issues with creditors are almost resolved. (NEED UPDATED HOMEOWNERS INSURANCE) INSURANCE RECEIVED

PLAN IS NOT FEASIBLE

1. Objection filed by Wells Fargo (Matthew Fissel) - failure to pay arrears of $39,571.71 (PLAN IS NOT FEASIBLE)

2. Objection filed by US Bank (RAS Crane) - failure to pay arrears of $5388.76

3. (7/12 AMT: Ch 7 Trustee fee order doc #54 does not specify to be pd in plan/not set up) (THIS FEE WILL NOT BE PAID WITHOUT AMENDED ORDER TO BE PAID THRU PLAN) - Per AR Add to conf order

4. Lisa Renee Bell filed child support claim 8-1 for $2000 not addressed in plan (PER ATTY, DO NOT PAY BECAUSE DEBTOR IS CURRENT. CLAIM MUST BE WITHDRAWN OR EXPUNGED)

5. Trustee objection:
- Need a copy of the homeowner's insurance renewal declaration - with personal liability coverage, insurance provided is a binder/application. (PROVIDED BUT EXPIRES ON 9/19/21)

- Stay is vacated for 2017 Land Rover. Is this lease rejected? (PER ATTY CAR WAS RETURNED)

Insurance provided for 2019 Subaru but this car is not listed in Schedules. Is this a new car? (THIS IS FIANCE'S CAR)

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


Plan proposes $250 x 36 Base w/ $2000 to gucs
Payments: 3/3


RESOLVED ISSUES:
- A copy of the last filed tax return - from spouse for 2020. (MOOT, DEBTOR IS NOT MARRIED)
- Need Proof of 2 month's income - from spouse DSO support income. (MOOT, DEBTOR IS NOT MARRIED. CONTRIBUTION AFFIDAVIT PROVIDED)
- Domestic Support Obligation information - (RECEIVED)
- Need DSO form.
- Must file Pre-confirmation certificate. (FILED)
-Atty disclosure for balance of fees and amount in plan do not match. Need to correct to clarify balance of fees through the plan so they match. (DISCLOSURE AMENDED)
-value of real property appears to be higher than debtor's value. Compar
Matter ResolvedRequest
Adjourment
619/1/2021 10:00 am21-10065 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
10/6/2021 10:00 am
Debtor has made 6 of 9 required payments   Arrears: $403.00  Total Paid In: $2,522.00
 8/31/21 - copy of tax returns sent to Patricia Davis (IRS) for 2014 - 2020 were uploaded.

ISSUES AS OF 8/27/2021 (DM):

 Per atty - our client informed us that she filed all necessary taxes. However, she is elderly, in the middle of a move, and taking care of an Aunt in hospice so she has not been able to send us copies. She has directed her tax preparer to fax us copies, which we are still waiting on. I hope to have them by the end of the day 8/17/21 - ADJ to 9/1/21 Peremptory.

1) IRS filed $3,867.48 priority claim that includes estimated taxes for 2017 thru 2019 not treated in the plan (UNRESOLVED).

2) IRS filed a general unsecured claim that includes estimated taxes for 2014 & 2016 (UNRESOLVED).

3) Plan provides for $1,515 rental arrears treatment - no POC filed (DEBTOR'S COUNSEL FILED LATE POC FOR CREDITOR AND A MOTION TO ALLOW THE LATE CLAIM).

4) Trustee OBJ:
- Plan fails to provide for a prompt cure of rental arrears (OK PER ATTY).
- Need to serve plan motions on One Main Financial (FILED).
- Must file Pre-Confirmation Certificate (UNRESOLVED).


Prop. Plan $353 x 60, 0%
PTD 6/7 = $2,167
Last Claim (11-1)
Matter ResolvedRequest
Adjourment
629/1/2021 10:00 am21-11155 / CMGSTEVEN N. TAIEB, ESQ.Confirmation Hearing ScheduledConfirmedDebtor has made 13 of 8 required payments   Arrears: $0  
Total Paid In: $4,030.00
updated 8/26/2021 (JMA)

to resolve Trustee objection, ok to confirm at $3,400 paid to date, $300x54 begin 9/1/2021 which includes minimum $7,145.32 dividend to general unsecured creditors due to non exempt equity in real and personal property

issues as of 8/20/2021 (JMA)

1) Trustee objection to confirmation
-the income as verified before original confirmation, the 2020 tax refund and amended Schedule J leave monthly disposable income of $1,084.62. This does not support the modified plan seeking significant reduction in Trustee plan payments from $600/month to $200/month. UPDATED PROOF OF INCOME VERIFIES LOWER
-In addition, the modified plan fails to pay the non exempt equity in the real property (house $6,161.32 and 2012 Dodge $984) in the amount of $7,145.32

proposed plan $3,000 paid to date $200x55 begin 8/1/2021 base plan
paid in $3,400
54 months to go
Matter ResolvedRequest
Adjourment
639/1/2021 10:00 am21-12295 / CMGRONALD E NORMAN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 7 required payments   Arrears: $900.00  Total Paid In: $2,900.00
As of 8/25/21(mk): updated- sent atty email- OK TO TERMS

**CAN REC CONFIRM AT $2,000 PTD THEN $900 X 55 BEGIN 9/1/21; BASE W/ MINIMUM TO UNSECURED CREDITORS OF $12,672 DUE TO
NON EXEMPT EQUITY IN PERSONAL PROPERTY;
Trustee is authorized to pay Citi group mortgage arrears claim #13-1 of $28,929.36. OTBS w/ Citi Mtg resolving objection w/in 30 days.
Trustee standard Order of Distribution.
must file pre conf cert. w/in 7 days**


1.Objection by Citigroup(Pluese):
-plan fails to pay full arrears. POC $28,929.36.(PLan has $8,526)

2.Trustee Objection:
-debtor not paying all disposable income into the plan due
too: 122c has disposable income $823.80, which requires
mini. div. $49,428 to gucs.
-Income verifies higher(5,498)than scheduled(5,095) resulting in
dispos. income of $1,206
-As of now, there is non-exempt equity in bank accts $12,672.
-needs Trustee standard order of distribution.
- Must file Pre-confirmation certificate.
-----------------
- Need Proof of Service on plan motions-lien strip Cap'l One.(Filed)
- CMA w/ property information. CMA provided does not list property address.(Provided)
-need 2020 tax return.(Provided).
-need updated /current mortgage statement-(Provided)
-proof of homeowner's insurance declaration which provides personal liability coverage.(Provided).
-Schedules fail to account for tax refund of $4,275 in dispos income.(Added In)


Plan: $500 x 60 begin 4/1/21; Base
4/5 payments
last claim:14-1, bar date:6/1/21
Matter ResolvedRequest
Adjourment
649/1/2021 10:00 am21-12376 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,600.00
MK: PUT TERMS ON RECORD

AS OF 9/1/2021 (at):

RECOMMEND: $400 x 12 BEGINNING 7/1/2021 , $817 x 48 BEGINNING 7/1/2022, BASE WITH A MINIMUM OF $33,000 TO GUC'S
Claim # 14 filed by Andrews FCU will be paid through the plan.


1. Andrews FCU filed a secured arrears claim #14 in the amount of $613.67 which is not in the plan. Is it ok to pay this claim?

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - Need updated CMA. The comps listed on appraisal are from 2019. (RECEIVED)
- Auto insurance for 2 vehicles listed on Schedule J expenses. (RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Car payments $569 and $707.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,662 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 may be non-exempt equity in real estate pending review of an updated CMA with
recent comps. (RECEIVED - COMPS ARE FROM 3/2021, 12/2020 AND 11/2020 - STILL $390,000)
The confirming order should provide for a $33,000 minimum dividend to general unsecured creditors based upon the avoidable transfer made to the non -debtor spouse through the refinance transaction of the second mortgage just prior to filing bankruptcy.

Plan proposes: $400 x 12 beginning 7/1/2021, $700 x 48 beginning 7/1/2022, base
Payments: 3/2 ($400)
Matter ResolvedRequest
Adjourment
659/1/2021 10:00 am21-12482 / CMGJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanContinued
10/6/2021 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $0  

ISSUES AS OF 8/27/2021 (DM):

1) IRS filed a priority claim that includes estimated taxes (AMENDED).

*2) State of NJ filed priority POC (14-1) that includes estimated taxes for 2019 & 2020 (UNRESOLVED).

*3) TBF Financial filed secured judgment POC (28-1) in the amount of $38,199.14 not treated in the plan (UNRESOLVED).

4) Wells Fargo Bank (Brock & Scott) OBJs - failure to cure arrears of $13,878.35 (CO ENTERED TO PAY BUT MP PROVIDES THAT LOAN MOD IS NOW COMPLETE & LOAN MOD ORDER ENTERED - PER LOAN MOD ORDER, CLAIM WILL BE DEEMED MODIFIED WITHIN 14 DAYS IF CREDITOR DOES NOT CERT).

5) Nationstar/Mr. Cooper (LOGS Legal Group) OBJs - failure to cure arrears of $2,277.62 (CO ENTERED & MP PAYS).

6) Wells Fargo/Bob's Furniture filed a bifurcated POC (7-1) not treated in the plan (MP PAYS SECURED CLAIM).

 Trustee and Wells Fargo (Brock & Scott) objected to Notice of Proposed Compromise of Settlement (HEARING MARKED OTBS ON 8/18/21)

7) Trustee OBJ:
- Need proof of rental income (lease agreement) for Florida property (RECEIVED).
- Need 2020 tax return by 6/30/21 (RECEIVED).
- Need updated income for both debtors by 9/30/21.
- Need bank statements for 2 Affinity FCU business accounts (RECEIVED).
- Need Jan & Feb bank statements for Chase account (RECEIVED).
- Need a MP to treat secured claims filed by Wells Fargo & One Main (FILED).
- Excessive Expenses - Sch J: $698 car payment.
* There is $29,544 non-exempt equity in real estate.
* There is $624 non-exempt equity in personal bank accts pending review of
additional accounts.
* There is $13,800 non-exempt equity in business equipment & furniture and bank
account balance of $20,255 (pending valuation of all accounts).
- Need to file Pre-Confirmation Certification (UNRESOLVED).
* Need a valuation (Balance Sheet) for the business (UNRESOLVED).
- Need Certification C-Rod Transport (RECEIVED).


Prop. Plan $200 x 3, $1,000 x 57 start 7/1/21
$30,168 Min Div
PTD 5/5 = $2,600
Last Claim (5-3)
Matter ResolvedRequest
Adjourment
669/1/2021 10:00 am21-12784 / CMGJose R. Torres Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 6 required payments   Arrears: $500.00  Total Paid In: $1,820.00
8/30/21::UPDATED- sent emaill to aty- ok to terms

>>TO RESOLVE EXCESS DIPOS INCOME ISSUES TRUSTEE WILL COMPROMISE AND **REC CONFIRM AT $1,320 PTD ,THEN $500 x 56 BEGIN 9/1/21; BASE;CONSENT ORDER W/ NJ DEPT OF LABOR THAT AUTHORIZES THE TRUSTEE TO PAY THE PRIORITY (NIP) NJ DEPT. OF LABOR NON DISCHARGEABLE JUDGMENT BALANCE OF $16,768.66 THROUGH THE PLAN W/IN 30 DAYS.**



RESOLVED: Bal due NJ Dept labor $16,768.66. Priority - COTBSw/in 30 days.
1. Doc. #13 in this case=Claim of NJ Dept of Labor & Workforce for $18,825 for a prior bankruptcy and Adv. Pro. was declared to be nondischargable unless paid thru bankruptcy( in prior case #19-12209 & Adv. Pro. 19-2167). NO POC FILED IN THIS CASE YET- GOV BAR
DATE is 10/4/21. PLAN DOES NOT ADDRESS/TREAT THIS J'MENT.

2. Trustee Objection:
Part 5 of plan for unsecured claim treatment has conflicting terms: (This Appears to Be a BASE plan)
-need 2 months bank statements (March & April) from TD Bank, prior to filing date.
-plan has excessive expense s:Car payment to mother $585 (must require proof that debtor is making these payments).
-debtor not paying all disposable income into the plan due too:
-Income verifies higher, there is disposable income $1,104.
-Schedules fail to account for tax refund of $2,074 in determining disposable income.(Added in)

Plan: $330 x 60 begin 5/1/21; Base
4/4 payments
last claim:20-1, bar date:6/14/21
Matter ResolvedRequest
Adjourment
679/1/2021 10:00 am21-13336 / CMGMARCIA Y. PHILLIPSConfirmation Hearing ScheduledContinued
10/20/2021 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $900.00  
As of 8/30/21 (DS) Debtor attorney requested adjournment to resolve all issues, adjourned peremptory, no further adjournments, must resolve all issues 10 days before confirmation

As of 8/23/21 (DS): 1. NJ Division of taxation filed claim for 2018-2020 taxes $26,304.46, not in plan to be paid.

2. BELOW ISSUES NOT RESOLVED.

7/7/21 (DS): 1. Trustee obj to the following:
- 401(k) loan statement dated 12/31/20 has balance $5,742.68, which means loan payment weekly pymt $413.91 will end or has ended, need updated balance loan statement prior to filing date.
- Need March and April bank statements from TD Bank acct.
- Must file Pre-confirmation certificate.
- Need 2020 tax returns.
- Plan should be 100% based upon discharge recently obtained in previous Chapter 13 case (discharged 9/14/20).
- Plan is not feasible to pay 100%, total unsecured claims filed $119,748.28. Disposable income verifies $819.

2. Arrears claim filed by Mt. Holly for sewer $4,507.35, not in plan. Ok to pay?

3. Capital One filed arrears $141.80, ok to pay?

Prop Plan $900 x 60; Base
Note: Excess expenses on Sched J are moot, since claims with arrears filed, will require higher payment. IRS claim amended, no longer estimated.
Matter ResolvedRequest
Adjourment
689/1/2021 10:00 am21-13774 / CMGLAURENCE R SHELLER, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 1 of 5 required payments   Arrears: $882.00  Total Paid In: $382.00
AS OF 8/31/2021 (at):

RECOMMEND: $382 PAID TO DATE, $441 x 57 BEGINNING 9/1/2021, BASE

1. Objection filed by Reverse Mortgage Funding (Greenspoon Marder) - failure to cure full arrears of $16,633.92 and plan is not feasible as debtor has insufficient income. (Per POC - RESOLVED)

2. Trustee's objection:
-Reverse Mortgage Funding LLC (Greenspoon Marder LLP) objection to confirmation - need to resolve (RESOLVED)
-Certification of non-filing for 2020 tax returns needs to be submitted (RECEIVED)

Plan proposes: $191 x 60 beginning 6/1/2021, base
Payments: 2/3, arrears $191
Matter ResolvedRequest
Adjourment
699/1/2021 10:00 am21-13872 / CMGJONATHAN GOLDSMITH-COHEN, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $1,382.00
As of 8/31/21 (DS): Ok to confirm at $1,078 paid, $304 x 56 begin 10/1/21; Base with a minimum dividend $16,262 to gucs and within 30 days amend or move against the arrears claim#16-1 of Freedom Mortgage

1. Motion to approve loan mod filed and scheduled 9/1/21, plan does not propose loan mod and arrears claim was file, as well as an objection by Trustee was filed, due to no cert from Debtor in support of motion. Need outcome. COTBS

7/27 AMT: FILED STATUS CHANGE FORM TO AMEND THE MINUTES FROM CONFIRMED 8/18 TO ADJ 9/1- CONFIRMED POT INSUFFICIENT TO COVER POC AND GUC MINIUMUM<<<>>>

7/21/21 (DS): Recommend confirming at $470 paid, $304 x 58 begin 8/1/21; Base with a minimum dividend $16,262 to gucs and within 7 days must file Pre-confirmation certificate.

1. Trustee obj to the following:
- 22c Line 22 takes additional health care expense $38. Line 45 shows disposable income $233.04. Add back $38, there would be disposable income $271.04, which would require minimum dividend $16,262 to gucs. Also proof of income verifies higher, there is disposable income $438.15.
- Excessive expense on Sched J for Food $800.
- There is estimated non-exempt equity on real property $7,409. No mortgage claim filed. HIGHER CLAIM FILED 7/14/21, THERE IS NO EQUITY.

Prop Plan $235 x 60; Base
Note: Whole life insurance policy provided. Amended Sched C takes exemption for savings acct.
Matter ResolvedRequest
Adjourment
709/1/2021 10:00 am21-14231 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
10/20/2021 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $4,358.00  
AS OF 8/31/2021 (at):

1. Objection filed by Santander (Morton) - plan is silent as to Santander and they want proof of insurance. (UNRESOLVED)

2. Santander filed a secured claim #5 in the amount of $507.22 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 copy of the last filed tax return - 2020 before confirmation hearing. (NOT RECEIVED)
- Need a valuation for the business (Balance Sheet). (NOT RECEIVED)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $5,841.00.
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need to resolve estimated claim by the IRS. (STILL ESTIMATED)
- Need to resolve objection by Santander. (UNRESOLVED)
- The attorney's fees in the plan and disclosure statement do not agree. One of these must be amended. (NEITHER AMENDED)

Plan proposes: $2,179 x 60 beginning 6/1/2021, $0 to guc's
Payments: 2/3, arrears $2,179
Matter ResolvedRequest
Adjourment
719/1/2021 10:00 am21-14330 / CMGScott J. Goldstein Confirmation Hearing on Modified PlanConverted to 7 / 11Debtor has made 3 of 5 required payments   Arrears: $0  

atty advised debtor converted to Chapter 7
Matter ResolvedRequest
Adjourment
729/1/2021 10:00 am21-14394 / CMGJONATHAN GOLDSMITH-COHEN, ESQConfirmation Hearing ScheduledContinued
10/20/2021 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 8/25/2021 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Amendments to Schedules PNC accts #4094 $751.56 and #3974 $956.65 total $1,708.21 - Schedule B only lists $1,000 and Schedule C only exempts $1,000 leaving $708.21 in non exempt equity (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):
-excessive expense on Schedule J $600/home maintenance - allowed $200; $550/utilities;
$550/telephone, cellphone, internet cable; $1,400/food expense for 3 adults; $650/charity;
$620/life insurance - need supporting documentation of these excessive expenses (NOT RECEIVED)
-PNC accounts #4094 and $3974 total $1,708.21 of which $1,000 is exempted leaving non
exempt equity of $708.21
- must file pre conf cert. (NOT FILED)

Plan proposes: $630 x 48 beginning 6/1/2021, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
739/1/2021 10:00 am21-15135 / CMGLAURENCE R SHELLER, ESQConfirmation Hearing ScheduledContinued
9/15/2021 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $2,629.00  Total Paid In: $4,723.00
As of 8/30/21 (DS): Debtor attorney requested adjournment to pass bar date 9/1/21

As of 8/23/21 (DS): 1. Trustee obj to the following:
- Need June bank statements from PayPal and Bank of America accounts with balances (PayPal statement provided but gives no balance in acct.), written lease (lease provided is not full lease and does not list landlord and Debtor and has no signature pages), proof of health insurance payment and copy of divorce and property settlement agreement, once it has been finalized.
- Excessive expenses on Schedule J such as: $2,500 rent (need proof), $600 Food for one person and $532 Health insurance (need proof).
- Verified income leaves disposable income of $2,987.33.
- Reviewed 22C Line 16 (taxes) should be $2,126 (June taxes/by 6), Line 23 $250 allowed $75 and Line 25 health insurance $532 (need proof). Per the 22C disposable income is $4,374 which requires a minimum dividend of $262,440 to gucs. RECOMMEND WAITING PASS BAR DATE 9/1/21.

Prop Plan $1,838 x 60 begin 7/1/21; Base
Note: DSO Form provided.
Matter ResolvedRequest
Adjourment
749/1/2021 10:00 am21-15203 / CMGANDREW CARROLL, ESQ.Confirmation Hearing ScheduledWithdrawnDebtor has made 2 of 4 required payments   Arrears: $1,330.00  
8/31/21 -

(mk) this plan #12 was W/D .new Plan filed at #18 and that was W/D om 8/30/21. Atty filing new plan as #18 had a typo.... as of now ther is no active plan.


AS OF 8/20/21 (SF)

1. ATTY MUST REQUEST ADJ OF CONF HEARING
2. 341 NOT HELD - RESCHEDULED TO 9/16/21
3. PAYMENTS: 1/2 ARREARS: $555
Matter ResolvedRequest
Adjourment
759/1/2021 10:00 am21-15221 / CMGRUSSELL L LOW, ESQConfirmation Hearing ScheduledContinued
9/15/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $2,282.00
8/30/21(mk): adj request uploaded but NO PAYMENTS. emaill to atty.
sent proof of payment

As of 8/24/21(mk):

>>needs to make payment and adj to after bar date of 9/3/21 and MP to clarify treatment of sec creditors


1. As of date above NO PAYMENTS(0/2).

2.Objection by Wells Fargo(Logs Legal):
-plan fails to cure arrears.

3.Trustee objection:
-need copy of homeowner's insurance renewal declaration - if not
confirmed by 9/1/21, insurance expires 9/13/21.
-need Modified Plan that clarifies treatment of mortgage and tax claims . Plan has cram in on Section 4d . Part 7 is blank. AND has paying claims in full on Section 4g. There is equity and crams are improper.
--There is estimated non-exempt equity on real property $111,643.23
(pending tax claim to be filed). PLAN IS 100%
- Add to confirming order non-exempt proceeds from PI lawsuit.
- Must file Pre-confirmation certificate


Plan:$570.30 x 60 begin 7/1/21; 100%
Bar date 9/3/21
Matter ResolvedRequest
Adjourment
769/1/2021 10:00 am21-15222 / CMGRUSSELL L LOW, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $2,115.00  Total Paid In: $6,345.00
AS OF 8/31/2021 (at):

RECOMMEND: $2,115 x 60 BEGINNING 7/1/2021, BASE
Need to file Pre-Confirmation Certification within 10 days of confirmation.

Trustee's objection:
- The debtor has insufficient income ; disposable income verifies $ -280.76. Income proofs
verified much lower than scheduled.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Cell/Tele/Internet/Cable $550, clothing $250 , Transportation $500 and support of mother
$2,000 (needs proof of payments to mother and proof of expenses). Certification
explaining expenses and attach proofs. (NOT RECEIVED)
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): - - 22c has disposable income $1,238.41, which would require minimum dividend $74,305 to gucs
- Must file Pre-confirmation certificate. (NOT FILED)

Plan proposes: $2,115 x 60 beginning 7/1/2021, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
779/1/2021 10:00 am21-15254 / CMGYAKOV RUDIKHConfirmation Hearing ScheduledContinued
10/6/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 8/30/21 (DS): Debtor attorney requested adjournment pass bar date 9/7/21

As of 8/25/21 (DS): 1. Trustee obj to the following:
- Amendments to Schedules B and C to add 2019 Honda Pilot.
- Need to add to confirming order Trustee standard order of distribution and Debtor is to provide 2 months updated proof of income, amended Schedule I and J by 1/31/22.
- Must resolve State of NJ estimated claim, 2019 tax return not filed.

2. IRS claim filed owed $1,533.05. Ok to pay?

3. Raritan Bay (MELLINGER KARTZMAN) obj to cram. Obj must be resolved.OBJ APPRAISAL SHOWS HIGHER VALUE , MAY NEED VALUATION HEARING

Prop Plan $670 x 60 begin 7/1/21; Base
Note: IRS claim no longer estimated, Debtor received tax refund, claim has $0 owed for 2020.
Matter ResolvedRequest
Adjourment
789/1/2021 10:00 am21-15274 / CMGPAUL H YOUNGConfirmation Hearing ScheduledContinued
10/6/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 8/20/21 (SF)

1. MUST REQUEST ADJ OF CONF HEARING
2. 341 NOT HELD - RESCHEDULED TO 9/16/21
3. PAYMENTS: 2/2
Matter ResolvedRequest
Adjourment
799/1/2021 10:00 am21-15285 / CMGYAKOV RUDIKHConfirmation Hearing ScheduledContinued
10/6/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS of 8/26/21(mk):

>> Plan payment will increase to cover mtg POC & Car POC and NE equity in bank accts

3.Objection by CIT Bank(McCabe):
plan fails to pay arrears.

2.Trustee Objection:
-Wells Fargo bank account ending balance as of 6/7/2021 $10,808.53 only listed $2,700 on amended Schedule B and exempted $2,700 on amended Schedule C - there is non exempt equity of $8,108.53
-Bank of America bank account ending balance as of 6/16/2021 $454.16 only listed $280 on amended Schedule and exempted only $280 on amended Schedule C - there is non exempt equity of $174.16
-TOTAL NE EQUITY IN BANK ACCTS = $8,282
-must file pre conf cert
-Order of distribution is contrary to Tr std order.

2. Chrysler/Santander filed POC for arrears $721.84. Plan has unaffected. OK TO PAY?
-------------------------------------

3. Objection by Deutsche Bank(Frenkel):RESOLVED.ORDER #25. pays POC arrears.



Plan:260 X 60 BEG 7/2021;BASE
payments:2/2
last claim:8-1, bar date:9/7/21
Matter ResolvedRequest
Adjourment
809/1/2021 10:00 am21-15333 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
10/6/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

mk: atty will request adj as matter remains contested due to disposable income and it will be held for Judge at next hearing..

>>8/26/21 Filed Amended I reduces income on I.WILL NEED UPDATED PAY STUBS TO SUPPORT. last pay stubs were from may2021 -aug 2021.TR SUPPL OBJ FILED.


AS OF 8/24/2021 (at):

RECOMMEND: $2,200 PAID TO DATE, $1,502 x 58 BEGINNING 9/1/2021, BASE
Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
Need to file Pre-Confirmation Certification.


Trustee's objection:
The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s):
- excessive expenses on Schedule J; cell phones $330; $2,000 parents rent, medication etc(Needs proof) (RECEIVED CERTIFICATION AND PROOF OF EXPENSES FOR PARENTS)
-Form 122c-2 Line 45 shows monthly disposable income of $1,264.41 which requires minimum $75,864.60 dividend to general unsecured creditors
-disposable income on Schedules I and J $1,617.68 requires higher plan payment
- The Schedules fail to account for the debtor(s) tax refund in the amount of $722 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- must file pre conf cert. (NOT FILED)


Plan proposes: $1,100 x 60 beginning 7/1/2021, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
819/1/2021 10:00 am21-15420 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
10/6/2021 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $590.00  
As of 8/30/21 (DS): 1. Trustee obj to the following:
- Need copy of homeowner insurance and 2 months of bank statements prior to filing date.(mk no bank acct on sch B)
- Property value on Zillow is much higher ($369,800) and comparables are within 3-6 mos. CMA comps all closed Feb 2021. - STILL NO EQUITY MORTGAGE CLAIM FILED $376,671.56, MUCH HIGHER THAN VALUE.
- Proposed plan payment does not sufficiently pay all claims and Trustee comp - payment would need to be about $746 for 58 months. Claims filed higher.
- Need service on motions in plan.
- Must file Pre-confirmation certificate.

2. Bank of America (ROBERTSON, ANSCHUTZ, SCHNEID & CRANE) obj to arrears are more, POC filed with arrears $33,710.06. Obj must be resolved.

3. State of NJ filed estimated tax claim, 2018-2020 tax returns not filed. Must resolve claim.

Prop Plan $590 x 60 begin 8/1/21; $0
Matter ResolvedRequest
Adjourment
829/1/2021 10:00 am21-15463 / CMGCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing ScheduledContinued
10/6/2021 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,432.00  
AS OF 8/23/21 (SF) -


1. Objection filed by Carrington Mortgage Services (Stern, Lavinthal) - failure to pay arrears of $40,379.72

2. Objection filed by Capital One Auto Finance (Jason Schwartz) - to cram (RESOLVED COS)

3. IRS filed estimated priority claim 10-1 (NEED AMENDED CLAIM)

4. US Dept of HUD filed secured claim with zero arrears but not addressed in plan

5. ACAR Leasing filed claim 1-4 with arrears of $1165.42 for a 2016 GMC Acadia. This car is not listed in plan or schedules (IS THIS LEASE REJECTED?)

6. Trustee objection -
- excessive expense Schedule J $550/car payment; $350 IRS installment payments

- The debtor has failed to provide proof of service with respect to Plan Motion (s). IRS, First National Collection Bureau, Jefferson Capital Systems and LVNV Funding

7. Must file pre-confirmation certification


Plan proposes $1539.53 x 60 BASE
Payments: 1/1

Matter ResolvedRequest
Adjourment
839/1/2021 10:00 am21-15798 / CMGCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 681.88 of 3 required payments   Arrears: $0  
Total Paid In: $682.00
As of 8/30/21(mk):UPDATED- atty ok to terms

***CAN REC CONFIRM AT $300 PTD, Then $300 x 5 begin 9/1/21, Then $382 x 54 begin 2/1/22, Base; Lm with Citi Mortgage on 1043 Frontage Rd. by 1/1/22. Trustee is authorized to pay arrears pending LM to Citimortgage on their arrears claim when timely filed. OTBS resolving objection with Citi w/in 30 days.
Trustee is authorized to pay Nissan Claim #7-1 for arrears of $467.51.
Trustee to pay TCF National bank arrears claim #1-1 in the amount of $842.30 (per Order submitted resolving objection).
Low base pending LM. ***



1. Objection by Citi Mtg(Powers): ATTY SAY RESOLVED OTBS- LM by 1/1/22. Tr pay arrears pending LM
-objects to LM w/no cure .

2. Trustee Objection:
-Plan has LM for 1st mtg on residence in Part 1 then a cure under part 4b which is for non residential prop. PARTIAL PAY ON ARREARS PENDING LM

3. Objection by TFC National Bank(KML);RESOLVED-Order submitted 8/30/21.Pay ARREARS POC
-objects to cram of 2nd mtg.

4. Claim filed by Nissan on auto lease- Arrears $467.51-OK TO PAY?
plan has as current. (PER ATTY_ YES _ PAY



Plan:$300 X 6; $381.88 X 54 LM BY 1/2022; BASE
1/1 payments
last claim:7-1 Bar date:9/24/21
Matter ResolvedRequest
Adjourment
849/1/2021 12:00 pm19-28843 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $26,700.00
Matter ResolvedRequest
Adjourment
859/1/2021 12:00 pm21-16414 / CMGAndrew Thomas Archer Motion to Extend StayWithdrawn
>>OST<< AT 12 NOON

MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
09/1/2021 3:00 pm21-12355 / CMGROGER CHAVEZ ESQAP Summons IssuedMoot
AMT; ORDER CLOSING CASE 7/6/21<<>>

AP 21-1297 Cox/Jenkins vs. Araya SUMMONS
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes