Judge Christine M. Gravelle
Hearing Date: 9/6/2023
Hearing Count: 0
Last Updated: 10-04-2023 06:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
19/6/2023 9:00 am16-31793 / CMGCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultContinued
9/20/2023 9:00 am
Total Paid In: $22,511.00
Debtor obj, pd<> ARREARS

debtor says has paid the arrears due of $464- needs to post
Matter ResolvedRequest
Adjourment
29/6/2023 9:00 am18-12420 / CMGCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $25,174.00
Debtor obj, made pymt<> ARREARS

MK: payment made
Matter ResolvedRequest
Adjourment
39/6/2023 9:00 am18-19366 / CMGStephen M. Goldberg, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $51,998.00
Parte4is ok w/ Conduit - Tr to circulate order


AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, made pymts<>WILMINGTON /Ocean Ave (RAS)

Mk: post pet $4,144.58

debtor said made payments(total3,000) not accounted for should only be due for 1,141.58
Matter ResolvedRequest
Adjourment
49/6/2023 9:00 am18-27154 / CMGJames J. Cerbone, Esq.Creditor Certification of DefaultContinued
9/20/2023 9:00 am
Total Paid In: $18,182.00
9/1/23: creditro request to adj to allow add'l time to obtain NJ HAF funds and cure post pet arrears

Debtor obj, applied for ERMA<>NEW REZ/Oak Street (Hill Wallack)

Creditor : post pet as of 8/8/23 $3,374.12
Debtor: if app'd for ERMA- they will pay 4mos worth of arrears.
Matter ResolvedRequest
Adjourment
59/6/2023 9:00 am19-10868 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/20/2023 9:00 am
Total Paid In: $39,961.00
mk: debtor made another 600 payment - not poste adj 2 weeks to 9/20

8/21/23: debtor tor made 1600 payment 8/8/23:

RECAP is $39,361 PTD, Then 1,152 x 29 Begin 9/1/23 Debtor need to sign up for TFS auto pay w/in 10 days- email to atty


Matter ResolvedRequest
Adjourment
69/6/2023 9:00 am19-15753 / CMGHerbert B. Raymond, Esq.Motion CompelContinued
11/1/2023 9:00 am
Total Paid In: $21,438.00
Debtor obj; creditor response<>MTN TO COMPEL PAYMENT OF POST-PET FEES/THE OAKS AT NORTH BRUNSWICK CONDO (HUESTON MCNULTY)

MK: post pet mtg arrears ok to roll into plan
Matter ResolvedRequest
Adjourment
79/6/2023 9:00 am19-17960 / CMGJeffrey E. Jenkins, Esq.Motion Reinstate StayGrantedTotal Paid In: $33,007.00
MTN TO REIMPOSE STAY/CARRINGTON MTG

debtors say they are current post pet.

mk-8/30/23: email from lender- debtor is current and they will not be opposing the motion.
Matter ResolvedRequest
Adjourment
99/6/2023 9:00 am19-19102 / CMGJustin M. Gillman, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $13,178.00
9/1/23(mk): debtor atty email says creditor is withdrawing the COD- waitng for confirmation of that- Charles W. confirmed that it will be w/d



mk; motion may be w/d . Creditor needs to verify current

8/10/23(mk): NEED UPDATE ON THIS. Cert was filed in May and adj several times. ATTY SAYS SHOULD BE RESOLVED...asked to notice when it is actually resolved



5/3/23: creditor sent payment history but needs to be updated

Motion was adj. from MAY to 6/7 NEED STATUS

Debtor obj<> US BANK/Stony Brook Way (Friedman Vartolo)

Mk: post pet arrears is cure payment of $658.39 as of 2/6/23
debtor says made the cure payment.

TR motion 7/19/23 (arrears)
Matter ResolvedRequest
Adjourment
89/6/2023 9:00 am19-19102 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $13,178.00
9/1/23(mk): debtor atty email says creditor is withdrawing the COD-

IF SO THEN RECAP IS 13,178 PTD Then $695 x 6 begin 10/1/23 should really adj to 9/20 for another payment then a recap - sent email to atty



8/21/23(mk): arrears now $970- need update on creditor cert of default- atty says should be resolved- waiting for the IT IS RESOLVED then can give a recap


7/17/23(mk) atty email - say filed opp'n . and has payment of 1,635. asked for status on creditor cert of default

Debtor obj, made pymt<>ARREARS 2,120 as of 7/17/23. Last pay 1/26/23
Matter ResolvedRequest
Adjourment
109/6/2023 9:00 am19-24269 / CMGDonald C. Goins, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $33,370.00
9/3: creditor advises OTBS

Debtor obj, can pay $5,500 & 5 mo cure<>MTGEE BARCLAYS MTG/Birchwood Drive (PLUESE BECKER)

Creditor: post pet 7,477.11 as of 8/4/23
Matter ResolvedRequest
Adjourment
119/6/2023 9:00 am19-25094 / CMGJohn Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $14,089.00
8/28/23(mk): sent email to atty for update. Reply = will prob be dismissed

adj to 9/6/ to allow atty to review w/ client

mk TR order by atty for debtor w/ recap and any default automatic dismissal


Debtor obj, will pay<>ARREARS 2,733.50 as of 8/9/23 made recent payments.
Bad pay History
Matter ResolvedRequest
Adjourment
139/6/2023 9:00 am20-14492 / CMGCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/20/2023 9:00 am
Total Paid In: $140,899.00
adj to 9/20 for $ to post

8/25/23(mk): payment history submitted showing Debtor made the following payments:
9,999 and 9,999.50 and 421.50 NEEDS TO POST

>>What is source of those funds?(mk: email to atty- ATTY REPLY-says he has the money and became ill so never sent $. High TR payment so 4 payments behind..



Debtor obj, will pay & requests recap<>ARREARS

as of 8/24: arrears are $16,324. Last pay 6/12/23
Matter ResolvedRequest
Adjourment
129/6/2023 9:00 am20-14492 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $140,899.00
8/22/23(mk):CO submitted : cure outside

7/28/23:creditor adj request for resolution

debtor obj:SELECT PORTFOLIO/Jacobs Creek Road (FEIN SUCh)

Mk: post pet $19,827.67 as of 5/1/23
debtor says will pay 9,914 and cure remaining arrears over 6 mos



Matter ResolvedRequest
Adjourment
149/6/2023 9:00 am20-16743 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/18/2023 9:00 am
Total Paid In: $66,947.00
9/5/23(mk) Atty says have prepared a MP to include post pet real estate taxes - waiitng for clients to return signed plan so we can file


need answer to post pet delinquent taxes on the non escrowed loan. email form Lauren Moyer at Friedman V


Debtor obj<>FAILED TO ADDRESS BEACHWOOD SEWERAGE LATE CLM #15-1 AND BEACHWOOD WATER #16-1; ARREARS

7/7/23: email to M. Capone from Lauren Moyer at Friedman V:
as it appears there are some delinquent post-petition taxes on this non-escrowed loan. Can you please confirm how Debtor intends to address same? Estimates are:

Per Beachwood Borough website:
2020 FY borough taxes are delinquent in the amount of $4737.82
2021 FY borough taxes are delinquent in the amount of $5409.99
2022 FY borough taxes are delinquent in the amount of $4840.70
2023 1st, 2nd Q borough taxes are delinquent in the amount of $2147.54. ***All figures as of 6/30/2023

Matter ResolvedRequest
Adjourment
159/6/2023 9:00 am20-17105 / CMGRobert Stephen Casagrand, Esq.Trustee Certification of DefaultContinued
9/20/2023 9:00 am
Total Paid In: $24,922.00
Debtor obj, will pay<> ARREARS 1,578 .last pay 6/14/23

8/23/23:atty says debtor mailed ck for arrears- attached proof to email- Needs to post
Matter ResolvedRequest
Adjourment
169/6/2023 9:00 am20-17312 / CMGJohn Zimnis, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $8,470.00
9/6/23 mk:creditor and debtor ok w/ conduit- TR will circulate conduit order and if issues can relist it
debtro says may not need pension loan if conduit

Debtor obj, will pay<> PHH/Keswick Ave (RAS)

debtor supp cert- will borrow from pension

8/9/23:(mk):Debtor atty email : good case for conduit- need Aleisha's response and added AMT to email chain and red flagged case for Conduit

8/22/23:>>Aleisha reply- lender does not want conduit and is requesting a prompt cure
Matter ResolvedRequest
Adjourment
179/6/2023 9:00 am20-17796 / CMGCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultContinued
9/20/2023 9:00 am
Total Paid In: $30,705.00
AMT: MP 9/20

Debtor obj, made pymt & requests recap<> ARREARS
Matter ResolvedRequest
Adjourment
199/6/2023 9:00 am20-18589 / CMGRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $3,800.00
8/28/23(mk): claim #2 was W/D

8/15/23 :Motion to Reduce claim 2-2 of Mellon bank to -0- filed- Hearing date 9/6

Debtor obj, filed mtn <>FAILED TO ADDRESS BANK OF NY MELLON POC #2-1
Matter ResolvedRequest
Adjourment
189/6/2023 9:00 am20-18589 / CMGRobert C. Nisenson, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnTotal Paid In: $3,800.00
8/28/23(mk): claim #2 was W/D


MTN TO REDUCE BANK OF NY MELLON CLM 2-1 TO $0

previous Ch 7
Matter ResolvedRequest
Adjourment
209/6/2023 9:00 am20-18681 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $98,595.00
Mp filed on 9/6>>HR<<

debtor in trial lm

Debtor obj, in trial LM<>ARREARS 14,552 as of 7/18/23


FAILED TO ADDRESS NJ DIV TAX LATE CLM #14: RESOLVED:

7/19/23(mk):CO submitted today APOC 14-2 filed 11/21/22 for priority $1,165.94 is allowed and to be paid in plan
Matter ResolvedRequest
Adjourment
219/6/2023 9:00 am20-20618 / CMGJohn Michael McDonnell, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $81,419.00
AMT: MP 9/6< HR<>>


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

This was adj from 6/21/23 to 7/19 to 8/2. No MP filed as of 7/28 and debtor is now just a little over 1 payment in arrears.

ARREARS 2,580 as of 7/18/23
Debtor obj, filing MP<>FAILED TO ADDRESS IRS #4-3

MK; debtor says will file MP to address IRS claim and have made payments
Matter ResolvedRequest
Adjourment
229/6/2023 9:00 am21-12265 / CMGKevin C. Fayette, EsqMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)GrantedTotal Paid In: $10,691.00
MOTIN TO VACATE DISMISSAL

mk: case dismissed on TR Cert for failure to make Tr payments

has $ and new atty
Matter ResolvedRequest
Adjourment
239/6/2023 9:00 am21-14739 / CMGJustin M. Gillman, Esq.Creditor Certification of DefaultContinued
9/20/2023 9:00 am
Total Paid In: $15,000.00
AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, made pymts<> AJAX/Wall St (Pluese Becker)

Creditor says: Post pet.$9,395.96 as of 7/26/23
includes atty fess $200.

debtor says will cure by lump sum or do a prompt cure

MK: TR arrears 3,500 as of 8/22
Matter ResolvedRequest
Adjourment
249/6/2023 9:00 am21-17865 / CMGFRANCIS P CULLARI, ESQMotion EnforceContinued
9/20/2023 9:00 am
Total Paid In: $6,872.00
mk: creditor opp'n says working on resolving- need more time to review accounting so 9/20

Fox Chase IV obj (Cutolo Barros)<>DEBTOR MTN TO ENFORCE STAY RE FOX CHASE IV TO CEASE COLLECTION OF PP FEES BEING PD IN THE PLAN
Matter ResolvedRequest
Adjourment
259/6/2023 9:00 am21-18995 / CMGRussell L. Low, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $4,200.00
Debtor obj, can pay<> ARREARS $600 as of 8/24 last pay 6/15/23 but terrible pay history
Matter ResolvedRequest
Adjourment
269/6/2023 9:00 am21-18995 / CMGRussell L. Low, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $4,200.00
9/6 AMT: ORDER TO CHAMBERS/7 DAY<<>>

9/1/23:conduit Order accepted Tr will submit

9/1 AMT: DRAFT ORDER TO PARTIES<<<>>>

AMT: TR LTR REQUESTING CONDUIT<<>>

Post pet $3,287.72 for June and July

Debtor obj, proposes partial pymt & recap<>MIDFIRST BANK/Vine St (Gross Polowy)
Matter ResolvedRequest
Adjourment
279/6/2023 9:00 am21-19470 / CMGDonald C. Goins, Esq.Motion Relief from Co-Debtor StayGrantedTotal Paid In: $5,605.00
mk: per creditor- debtor w/d opp'n - motion G


AR APPEARS NO EQUITY
Debtor obj, needs more time to sell<>FAY SERVICING / South Hampden Court (FRIEDMAN)

mk: Creditor: Post pet:$2,901.56 as of 8/1/23

>>8/28/23(mk): Filed MP (#65)- extends sale date for property to 11/30/23.100% <<


TR motion on 9/20- failure to sell Hampton Ct by 7/30/23
Matter ResolvedRequest
Adjourment
289/6/2023 9:00 am22-11101 / CMGAndrew Thomas Archer Trustee Certification of DefaultWithdrawnTotal Paid In: $24,702.00
mk: paid thru SEpt.

Debtor obj, will pay<> ARREARS 4,013 as of 8/22 23 . Made recent payment 8/16 but before that last pay 4/10/23
Matter ResolvedRequest
Adjourment
299/6/2023 9:00 am22-11197 / CMGKevin C. Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/20/2023 9:00 am
Total Paid In: $17,435.00
mk: adj 9/20 for more $ and recap


Debtor obj, can make pymt & requests recap<>ARREARS 6,664 as of 8/29/23. very inconsistent pay history
NEEDS EWAGE
Matter ResolvedRequest
Adjourment
309/6/2023 9:00 am22-12010 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $3,700.00
ARREARS 10,900 as of 8/28(made a 200 payment 8/25/23)

Debtor has never made the higher tier payment of 2,400 begin in month 13/4/2023. She continues to pay only 200 p/m

CREDITRO HAS APPLICATION TO TERMINATED LOSS MIT ON 9/20/23
Matter ResolvedRequest
Adjourment
319/6/2023 9:00 am22-12010 / CMGDaniel E. Straffi, Esq.Application to Terminate Loss MitigationGrantedTotal Paid In: $3,700.00
Debtor obj<>SELENE FINANCE(RAS) APP TO TERMINATE LOSS MIT

TR motion to Dismiss 9/6
Matter ResolvedRequest
Adjourment
329/6/2023 9:00 am22-12011 / CMGDavid E. Shaver, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/4/2023 9:00 am
Total Paid In: $9,617.00
nfa
This is 3rd hearing date for this motion.

>>MK: SUPP. OBJ FILED BY DEBTOR ON 9/5: says filed appeal of LM Denial on 8/25/23. Mtg co acknowledged receipt of appeal and response w/in 30 days

mk: atty says in active negotiations w/ lender


Debtor obj, pending decision from mtg co<>Failed to complete loan modification by 1/17/23; extended loss mitigation expired 5/17/23
Matter ResolvedRequest
Adjourment
339/6/2023 9:00 am22-12645 / CMGJeffrey E. Jenkins, Esq.Motion Relief from Stay (Fee)Moot - DismissedTotal Paid In: $2,745.00
BANK OF AM /Drift Ave (PARKER McCAY)

MK: creditor: post petition:$9,375.05 as of 8/9/23

MK:CASE WAS DISMISSED ON TR CERT ON 8/22/23
Matter ResolvedRequest
Adjourment
349/6/2023 9:00 am22-12686 / CMGCandyce I. Smith-Sklar, Esq.Motion Approve Compromise Under Rule 9019GrantedTotal Paid In: $13,608.00
MTN TO APPROVE WC SETTLEMENT - $6271 TO DEBTOR

Matter ResolvedRequest
Adjourment
359/6/2023 9:00 am22-13096 / CMGGeorge E Veitengruber IIITrustee Certification of DefaultWithdrawnTotal Paid In: $83,702.00
Payment posted on 8/30 .

Debtor obj, made pymt<> ARREARS

mk: debtor made payment on 8/14/23. Now just owes the regular TR payment of $5,580 to be current through August.

Matter ResolvedRequest
Adjourment
369/6/2023 9:00 am22-13519 / CMGMaryBeth Schroeder, Esq.Motion Relief from Co-Debtor StayContinued
9/20/2023 9:00 am
Total Paid In: $22,651.00
AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, will pay<>FAY SERVICING/ Briarcliff Drive (FRIEDMAN VARTOLO)

MK: Creditor says: Post pet $11,017.44
debtor says can catch up




TR arrears as of 8/22/23 $5,796. did make recent payments of 1,949 on 8/4/23 and $2,000 on 8/14/23.
Matter ResolvedRequest
Adjourment
379/6/2023 9:00 am22-14193 / CMGEugene Roth, Esq.Creditor Certification of DefaultContinued
10/4/2023 9:00 am
Total Paid In: $22,684.00
9/1/23: creditor request to adj - payments posted - need add'l time for settlement approval

Debtor obj, made pymt<>SPS for MEB Loan/Mimi Dr (Fein, Such)

Post pet:3,047.92
debtor says Paid - awaiting confirmation of that
Matter ResolvedRequest
Adjourment
389/6/2023 9:00 am22-15172 / CMGBrian W. Hofmeister, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/4/2023 9:00 am
Total Paid In: $15,000.00
01/4- Peremptory
atty reply: still under review- just requested add'l docs

FAILED TO COMPLETE LM BY 5/31/23 OR FILE MP IF NO LM WAS APPROVED

MK: motion was adj from 7/19/ to 9/6 to give debtor time to complete LM-

WHAT IS THE STATUS? email to atty 8/22/23
Matter ResolvedRequest
Adjourment
399/6/2023 9:00 am22-15693 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $5,200.00
FAILED TO SELL WISCONSIN DRIVE BY 8/1/23
Matter ResolvedRequest
Adjourment
409/6/2023 9:00 am22-15990 / CMGJohn Michael McDonnell, Esq.Motion Reopen Ch. 13 Case (fee)WithdrawnTotal Paid In: $7,050.00
Matter ResolvedRequest
Adjourment
419/6/2023 9:00 am22-15990 / CMGJohn Michael McDonnell, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)DeniedTotal Paid In: $7,050.00
US Bank ofj (Friedman Vartolo)<<>>

case was dismissed on TR motion on 7/19. There was SV and it was not reinstated

debtor says have all funds to be current Post pet w/ mtg co - - need case reopened so can file a motion to reinstate the stay.

Matter ResolvedRequest
Adjourment
429/6/2023 9:00 am22-17041 / CMGGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/18/2023 9:00 am
Total Paid In: $3,981.00
MP filed(#42) 9/1-since LM was denied- now a cure plan


8/9/23(mk) email from creditor atty ( J Schwartz): debtor agrees to terminate Loss Mit- creditor has filed an application to terminate- debtor was denied LM 7/11/23 for insufficient income. No appeal was filed.

7/27/23(mk); email from atty : loss mit denied. meeting w/ client 7/31/23 to discuss MP to cure or sell


MK: Order extending Loss Mit to 9/15/23.
Arrears only $315 as of 7/26/23


ARREARS; failed to obtain a loan modification by 5/15/23;
Failed to file an order resolving US Bank objection to confirmation within 30 days of 2 2/15/23 confirmation

Matter ResolvedRequest
Adjourment
439/6/2023 9:00 am22-17390 / CMGJustin M. Gillman, Esq.Creditor Certification of DefaultContinued
9/20/2023 9:00 am
Total Paid In: $7,200.00
9/6/23:debtor says arrears are cured- adj 9/20 to confirm pd.

8/16: debtor does not dispute the arrears - proposes to cure by 8/31 to cure

8/11/23(mk) debtor atty email to TR conduit request--
This is a COD on a Mortgage and responding re: Trustee request for Conduit.
Per discussions with Debtor, expect to resolve post-petition delinquency without a cure proposal. Debtor had his payroll deductions reduced due to error by employer. This has finally been resolved but it did result in Debtor receiving very low net pay for several months due to over withholdings.
Debtor is likely to get a gift from family to cure post-petition arrears in full.
Do not believe this is a conduit situation and assuming debtor can cure, would oppose conduit.



AMT; TR LTR REQUESTING CONDUIT<>

Debtor obj<> US BANK/Longfello Drive (Friedman Vartolo)

Creditor says: $5,943.10 as 6/8/23

Debtor says :had unexpected tax liability for 2022- trying to change with holdings
Matter ResolvedRequest
Adjourment
449/6/2023 9:00 am22-17473 / CMGPeter E. Zimnis, Esq.Motion Relief from Co-Debtor StayContinued
9/20/2023 9:00 am
Total Paid In: $22,408.00


Debtor obj<>CITMORTGAGE/Arena Dr (POWERS)

mk; post pet $4,810

debor says :disputing pay history - says made payments
Matter ResolvedRequest
Adjourment
459/6/2023 9:00 am22-17489 / CMGAndrew G. Greenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $18,103.00
HOLD WITH MFR SAME ISSUE
9/5/23: email form Creditor LM DENIED IN JULY

Debtor, filing mtn to extend<>FAILED TO LM BY 5/5/23 extend to 10/5/23-



MK: Stay Vacate Motion was RELISTED for hearing on 9/6/23
Matter ResolvedRequest
Adjourment
469/6/2023 9:00 am22-17489 / CMGAndrew G. Greenberg, Esq.Motion for Relief from StayOrder to be SubmittedTotal Paid In: $18,103.00
Ken to prepare the new order- no prospective relief

AR PREVIOUSLY HEARD BY JUDGE
CONF REQUIRES LOAN MOD - DENIED
PROPOSED LOAN MOD EXT ORDER NOT AGREED BY DEBTOR PROSPECTIVE RELIEF PROVISION
ISSUE IS PROSPECTIVE RELIEF

9/5/23: email from Ken Borger:appearing in Newark tomorrow morning, but I will be handling this matter before the Judge.
Aleisha will be on the call to mark this as hold for the judge

This matter was relisted because the debtor was not amenable to the terms of the proposed order.

The original motion involved post-petition arrears, which may have now been cured. However, today my client has provided me with a loan modification denial letter dated 7/25/23, which I filed on the docket earlier today.

According to the income in the petition, the disposable income is $1,948, and the pre-petition arrears on the mortgage are $238,959.46. So there is now possible way to cure the arrears.




RELISTED - 1/18/23 WAS OTBS<<>>

Debtor obj<> NEWREZ/SHELLPOING (1ST mtg)/Alliare Ave (RAS)
Matter ResolvedRequest
Adjourment
479/6/2023 9:00 am22-17574 / CMGRussell L. Low, Esq.Motion Relief from Stay (Fee)Continued
9/20/2023 9:00 am
Total Paid In: $3,192.00
Debtor obj, will pay<>NATIONSTAR MTG / Poplar St (STERN LAVINTHAL)

mk: post pet$3,976.92 as of 7/21/23
debtor wants to cure it
Matter ResolvedRequest
Adjourment
489/6/2023 9:00 am22-18270 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $8,862.00
Debtor obj, LM just approved, filing mtn<>FAILED TO LM BY 6/1/23

Motion to Approve LM filed.
Matter ResolvedRequest
Adjourment
499/6/2023 9:00 am22-18410 / CMGJOSEPH ALBANESE, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
9/20/2023 9:00 am
Total Paid In: $7,974.00
9/6 adj 2 weeks - need good faith payment and w/in 7 days MP and amended i & J.debtro has listing agmt- needs to retain realtor

mk: No opp'n filed but atty will appear on CT solutions- had trouble reaching client- there is equity in RE


ARREARS 4,000 as of 9/1; SALE BY 9/1/23

Plan will not complete w/in 60 mos

Made an August payment of 1,000 but failed to pay May, June and July
Matter ResolvedRequest
Adjourment
509/6/2023 9:00 am22-18639 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $4,500.00
Reived order submitted 9/6 that adds Conduit id future default

9/5/23(mk): Tr limited obj to PPSED Order- to add provision that in event of future default Tr will require conduit


8/31/23: Creditor submitted PPSD Order adding 2,468.80 to plan- sent to AR for review on 9/3


8/11/23:creditor adj request- need time to resolve.- sent parties email reminding them TR seeking conduit so unless a total cure be ready to argue it

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, made pymt & requests recap<>NEW JERSEY HOUSING AND MTG/Second Ave (KML)
Matter ResolvedRequest
Adjourment
519/6/2023 9:00 am22-18867 / CMGJoel R. Spivack, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $22,510.00
8/31/2023: CASE IS CURRENT. dls
Debtor obj, made pymt<>ARREARS $5,430 (2 payments- missed June payment and has not paid August as of 8/29/23
Matter ResolvedRequest
Adjourment
529/6/2023 9:00 am22-19814 / CMGCandyce I. Smith-Sklar, Esq.Notice of Request for Loss MitigationGrantedTotal Paid In: $4,321.00
REQUEST FOR LOSS MIT
Matter ResolvedRequest
Adjourment
539/6/2023 9:00 am22-20164 / CMGFREDERICK J SIMONMotion Relief from Stay (Fee)GrantedTotal Paid In: $8,448.00
PLANET HOME LENDING / Cranbury Rd (ROBERTSON, ANSCHUTZ)


Post pet $13,211.76 as of 7/1/23
Matter ResolvedRequest
Adjourment
549/6/2023 9:00 am23-10339 / CMGJAMAL J ROMEROMotion Relief from Co-Debtor StayOrder Previously Submitted
9/5/23(mk): Order submitted Vacating Stay( Crine Rd) and prospective In Rem relief


4th hearing date for this motion.

AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj<>CITIMORTGAGE/ Crine Rd, Morganville, NJ (POWERS)


SV motion for Brooklyn prop and conf is on 9/20
Matter ResolvedRequest
Adjourment
559/6/2023 9:00 am23-10607 / CMGCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $1,185.00
MTN TO REDUCE #4-3 IRS PRIORITY CLAIM TO $2,984.33
Matter ResolvedRequest
Adjourment
569/6/2023 9:00 am23-10607 / CMGCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $1,185.00
MTN TO REDUCE #9-1 NJ DIV TAX SECURED CLM TO $4,250 AND EXPUNGE UNSECURED AMOUNT OF $12,524.25 (LEAVES $1,103.02 GUC CLM TO BE PD)
Matter ResolvedRequest
Adjourment
579/6/2023 9:00 am23-10650 / CMGJeffrey H. Ward, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $28,530.00
CAPITAL ONE/2014 Land rover(LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
589/6/2023 9:00 am23-10677 / CMGPRO SEMotion Reinstate StayContinued
9/20/2023 12:00 pm

Mk: email debtor about his case and where to make payments to TR ( mk; DONE)

CT will reimpose Stay till MP Ct wants more information

Debtor says now will retain Georgette Miller to represent


VA obj (Pincus)<> Debtor's MTN TO REINSTATE STAY

Matter ResolvedRequest
Adjourment
599/6/2023 9:00 am23-10716 / CMGMarcia Phillips, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
SV/TRUMAN 2021 SC9 TITLE TRUST;(CO reinstating Stay submitted 8/9/23- NOT ON DOCKET as of 8/30/23) but as of 8/28 NO MP filed


PLAN DENIED ON 7/19/23 AND FAILED TO FILE MP WITHIN 14 DAYS
Matter ResolvedRequest
Adjourment
609/6/2023 9:00 am23-11217 / CMGJonathan Goldsmith-Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $13,826.00
AMT: MP 9/6**HR**<<>>

mk: atty file mp 7/18 :Debtors applied for a loan mod post-petition, were denied, and are going to catch up on their pre-petition mortgage arrears through their plan. They have remained current on their post-petiton mortgage payments.



PLAN WAS WITHDRAWN ON 5/17/23 AND FAILED TO FILE A MP WIHTIN 14 DAYS
Matter ResolvedRequest
Adjourment
619/6/2023 9:00 am23-11419 / CMGMichael Alan Siddons Motion Relief from Stay (Fee)Granted
EVERGREEN FOREST /LANDLORD (HABER SILVER & RUSSONIELLO)

post pet. rent arrears 4,665.38 (pre pet $38,917.97)
monthly rent is 2,216.03 and due 5th of each mo.

CONF ON 9/6 IS REC DISMISSAL
Matter ResolvedRequest
Adjourment
629/6/2023 9:00 am23-11494 / CMGStephen M. Goldberg, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
MOTION TO VACATE DISMISSAL

mk: Dismissed at conf in July- atty error NS

>>NEEDS A CONF DATE IN ORDER- 10/4/23
Matter ResolvedRequest
Adjourment
639/6/2023 9:00 am23-11531 / CMGGeorge E Veitengruber IIIMotion Prospective ReliefGranted
mk: debtor is not opposing this motion

PROSPECTIVE RELIEF-M&T BANK/Fennec Court, Unit 74 (PARKER McCAY)


CONF ON 9/6 IS DISMISS/HOLD FEES
Matter ResolvedRequest
Adjourment
649/6/2023 9:00 am23-11535 / CMGBruce C. Truesdale, Esq.Trustee Certification of DefaultDismissedTotal Paid In: $6,747.00
aty wants his fees

9/6: arrears now 1,139 which is the Sept monthly payment


mk:PER AR - OK TO ADJ TO 9/6- TR WANTS TO KNOW SOURCE OF FUNDS 4,527?

8/15/23(mk) : email from atty office- B. Truesdale out of office and has the $4,527 in Tr arrears. wants to know if mark OTBS or adj- SENT TO AR FOR REVIEW AS TR WAS PUSHING FOR CONDUIT TO CURE DEFAULT


Debtor obj, will pay<> ARREARS 4,527 as of 8/9 Last pay 5/2/23

TR asking for conduit for cure
Matter ResolvedRequest
Adjourment
659/6/2023 9:00 am23-11705 / CMGEdward Hanratty, Esq.Motion to QuashWithdrawn
I think this is w/d- sent email reply to atty


GLOBAL LENDING SVS MTN TO QUASH SUBPOENA(STEWART LEGAL)
Matter ResolvedRequest
Adjourment
669/6/2023 9:00 am23-11705 / CMGEdward Hanratty, Esq.Motion Relief from Stay (Fee)Consent Order to be Submitted
9/5/23(mk) CO - stay current on car

Debtor obj<>GLOBAL LENDING /2019 Nissan Kicks (STEWART LEGAL)

Debtor says paid
Matter ResolvedRequest
Adjourment
679/6/2023 9:00 am23-11705 / CMGEdward Hanratty, Esq.Motion to Impose StayContinued
10/4/2023 9:00 am



RE-LISTED - 4/19/23 HEARING WAS OTBS<<>>

Landlord obj (Cohen, Seglias- A. Barth)<> MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
689/6/2023 9:00 am23-11815 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Continued
10/4/2023 9:00 am

9/1/23 mk: creditor request to adj to resolve

Debtor obj<>MTG ASSETS MTGMT/PHH MTG -Terrace Ave (McCALLA RAYMER)

MK: home equity loan signed by debtor's spouse, now deceased. mtg co claims has rt to accelerate debt upon her death and should not be subject to the automatic stay.

CONF ON 9/6:ISSUES/NEEDS RESOLUTION
Matter ResolvedRequest
Adjourment
699/6/2023 9:00 am23-11831 / CMGJOHN D DICIURCIOMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Denied
Nationstar obj (Wohlrab); Tr obj<> MTN TO REINSTATE

case was dismissed on 6/21/23; no 341 and arrears 1/3 payments 2,741.94 and NS at conf.

TR Objection:
Debtor needs to provide proof that he has $ to bring case current which would be 4,112,91 to be current thru August
still need for 341 to be scheduled: DR CHILD SUPPORT STMNT/DECREE, DEED. FOR 60
Matter ResolvedRequest
Adjourment
709/6/2023 9:00 am23-11881 / CMGJohn H. Anlian, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $11,800.00
Debtor obj<>SANTANDER CONSUMER /2021 Jeep Gladiator (MORTON)

Debtor says payments were auto deducted from Bk acct - that stopped upon bkcy filing- debtor did not realize this- will cure the arrears
Matter ResolvedRequest
Adjourment
719/6/2023 9:00 am23-11885 / CMGDANIEL L. REINGANUMMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $1,759.00
8/30/23(mk): email form atty- not opposing dismissal

FAILED TO OBTAIN LM BY 6/10/23; FAILED TO FILE FEE APP FOR $2,500 PROPOSED IN PLAN

Stay Relief in the real property entered by Order dated 8/17/23
Matter ResolvedRequest
Adjourment
729/6/2023 9:00 am23-12135 / CMGAndrew M. Carroll, Esq.Motion Relief from Stay (Fee)Granted
debtor does not oppose

EXECUTIVE DRIVE 5 LLC/LANDLORD (DL THOMPSON) (Business Lease)

post pet rent- 1 mo $2,090







Matter ResolvedRequest
Adjourment
739/6/2023 9:00 am23-12268 / CMGPeter J. Broege, Esq.Motion Relief from Co-Debtor StayGranted
PHH MTG / Sunrise Blvd (ROBERTSON, ANSCHUTZ)

>>MK: Per atty Case to be dismissed at confirmation at 10



mk: post pet $15,027.96 as of 6/28/23

Matter ResolvedRequest
Adjourment
749/6/2023 9:00 am23-12342 / CMGTAMIKA N. WYCHE, ESQ.Motion Prospective ReliefContinued
10/4/2023 9:00 am

creditor adj request to 10/4- PEREMPTORY


AMT: TR LTR REQUESTING CONDUIT<<>>



Debtor obj, made pymt; atty has funds<>MTN FOR RELIEF WITH PREJUDICE / Mount Holly Rd, Unit L7(McCALLA RAYMER)

5th bankruptcy case:
conf 8/16/23: ISSUES
Matter ResolvedRequest
Adjourment
759/6/2023 9:00 am23-12411 / CMGBrad J. Sadek, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $3,125.00
9/5/23(mk): Both parties agree to TR CONDUIT Order

8/31 amt: debtor agrees/creditor to provide default info<<>>
AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, proposes pymts<>ALLIED FIRST BANK / Montana Drive (STEWART LEGAL)

mk: post pet as of 7/3/23 $6,935.64
debtor proposes $2,500 before hearing and rest in plan
Matter ResolvedRequest
Adjourment
769/6/2023 9:00 am23-12441 / CMGBruce C. Truesdale, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnTotal Paid In: $2,190.00
9/6/23: debtor to w/d motion motion and pay per POC

mk: motion was adj from 8/16/23 to allow creditor atty to provide explanation on the POC

Rushmore obj ( Pluese Becker)<>MTN TO MODIFY JP MORGAN POC#15/TOTAL CLM $265,743.67; $ 4,625.18 ARREARAGE

>>atty cert says claim transferred from Mr. Cooper to JP Morgan . (mk: claim was transfer from Mr. Cooper was in spouses case filed in 2019) atty cert says last mtg stment dated 2/20/23(EXH A) showed total claim 265,743.67.(mk: per that stment, Payment due on 3/1/23 was $4,625.18( 2,312.59 unpaid amt of $2,312 for total 4,625.18

atty saysdebtor's spouse has own case (#19-29342) and in her case arrears are 4,625.18- mk: the POC in her case had arrears of $4,084.67 and those were paid in that case. spouse has 14 mos left n her case

mk: THIS CASE was filed 3/24/23 so need to
determine correct amt as of pre pet arrears

MTG APOC(15-2) filed 6/22/23-has total $276,381.55 and arrears 14,492.61

Order relief says:
1.total amount of the claim is modified to $265,743.67.

2.The "Amount Necessary to cure any default as of the petition date in part 9 is 4,625.18

Matter ResolvedRequest
Adjourment
779/6/2023 9:00 am23-12768 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Continued
10/4/2023 9:00 am
Total Paid In: $1,000.00
9/1/23: credior adj request to resolve

Debtor obj, requests recap<>SANTANDER/ S. Chestnut Ave (GROS

MK: Creditor post pet $2,799.94 -April-July payments

Matter ResolvedRequest
Adjourment
789/6/2023 9:00 am23-12798 / CMGKirsten B. Ennis, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGranted
LOSS MIT




Conf on 9/20/23
Matter ResolvedRequest
Adjourment
799/6/2023 9:00 am23-13096 / CMGMichael McLaughlin, Esq.Motion Relief from Stay (Fee)Granted
no opp'n to motion per debtor atty and case dismissed at 10 on confirmation

9/1/23(mk: atty says will ask dismiss case at conf . Debtor still intends to sell property and will have to deal w/ creditors outside bankruptcy


4th listing nfa

8/30: atty says have interest form several buyers- 1 a cash offer to knock down and build- nothing in writing yet. also talking to someone who may buy the Emigrant MTG? has a MP but waiting for client to sign and ok filing it

8/28/23(mk): sent email to attys for update

7/28/23(mk): creditor adj request to 9/6/23 for add'l time to resolve


Debtor obj<>EMIGRANT BANK /South Filey ave (PLUESE, BECKER)

CT adj for 30 days : debtor must have personal liab coverage and a realtor retained


7/24/23: Home insurance w/ per. liab insurance provided
appl. to retain realtor filed 7/21/23.

Matter ResolvedRequest
Adjourment
809/6/2023 9:00 am23-13118 / CMGJustin M. Gillman, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $3,750.00
FINANCIAL SERVICES VEH TRUST / 2022 BMW (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
819/6/2023 9:00 am23-13247 / CMGJoan Sirkis Warren, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $1,683.00
TOYOTA /2022 Tacoma (STEWART LEGAL)

mk: email form creditor atty- stay current OTBS
Order submitted 9/6 in am
Matter ResolvedRequest
Adjourment
829/6/2023 9:00 am23-13568 / CMGJeffrey E. Jenkins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
MOTION TO VACATE DISMISSAL

8/11/23:mk: dismissed in July for no 341 and no payments
since then debtor made payments and owes $50 for august. 341 docs uploaded.

Make conf date 10/18
Matter ResolvedRequest
Adjourment
839/6/2023 9:00 am23-13759 / CMGAndrew Thomas Archer Motion File Claim After Claims Bar DateGrantedTotal Paid In: $2,324.00
MIDSTATE FCU MTN TO ALLOW LATE CLM TO BE FILED & PD IN PLAN (McKenna DuPont)
Matter ResolvedRequest
Adjourment
849/6/2023 9:00 am23-13788 / CMGRobert B Davis Motion Relief from Stay (Fee)Granted
late debtor response filed 9/5. seeking a LM creditro says was already denied for LM .0over 3 yrs no payments. Final Judgment of 114,000 was entered.
Debtor has not made any post pet Adequate Protection payments

Debtor response<>BERKSHIRE BANK/Homestead Ave (K&L GATES) it is an SBA Loan


MK; post pet $9,550


CONF On 9/6: REC DISMISSAL
Matter ResolvedRequest
Adjourment
859/6/2023 9:00 am23-14134 / CMGJeffrey E. Jenkins, Esq.Motion Relief from Stay (Fee)Withdrawn
debtor opp'n>490 MAIN ASSOC/Landlord (CRAIG ROTHENBERG)

Mk: Post pet rent owes for July and August at $ $1450 x 2 plus $50 late fee x 2

Pre pet rent POC $7,250
debtor says will be fully current by hearing date.
Matter ResolvedRequest
Adjourment
869/6/2023 9:00 am23-14147 / CMGGeorge E Veitengruber IIIMotion Relief from Co-Debtor StayContinued
9/20/2023 9:00 am

debtro may have cured arrears- where did $ come from


AMT; TR LTR REQUESTING CONDUIT<>

Debtor obj, will pay<>THE BANK OF NEW YORK MELLON /Greenwich Dr (FRIEDMAN VARTOLO)


MK: post pet $8,105.42 7/20/23
debtro says sent 2 mtg payments and will sent aug by 9/1/23


Conf 9/20/23
Matter ResolvedRequest
Adjourment
879/6/2023 9:00 am23-14170 / CMGPaul H. Young, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
9/6/23:mk: email from debtro atty- says S. West Obj has been resolved.. COTBS


7/26/23(mk) : email to atty upload 341 docs ( NOW DONE)

we have a 1640 payment

Ajax Mtg obj (West)<> MTN TO VACATE DISMISSAL<<>

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

case was dismissed 7/5 for

no payments
no 341 docs
NS at confirmation
Matter ResolvedRequest
Adjourment
889/6/2023 9:00 am23-14460 / CMGGeorge E Veitengruber IIIMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
341 dosc all in- needs date- 2022 tax return was filed

OK TO G - Needs conf date- 10/18/23
---------------------
TR objection:
No 341 docs have been provided/uploaded at all ( inclu. no home insurance
there are estimated tax claims-

5,842 is on hand
Matter ResolvedRequest
Adjourment
899/6/2023 9:00 am23-14599 / CMGMarc C. Capone, Esq.Motion Relief from Co-Debtor StayGranted
US BANK TRUST NAT'L ASSOC/ Laurelbrook Dr (PARKER McCAY)


MK: post pet $5,870 as of 8/1/23
Matter ResolvedRequest
Adjourment
909/6/2023 9:00 am23-14816 / CMGDavid G. Beslow, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
9/5/23: Home insurance and car insurance uploaded. atty holding $ OK TO G

NEEDS CONF DATE IN ORDER- 341 still needs to get done so make it 10/18



case was dismissed 8/2- NO 341 and no payments

TR Obj 8/7/23 Mk: still missing some 341 docs including: home and car insurance
debtor has provided $1700 to her atty
Matter ResolvedRequest
Adjourment
919/6/2023 9:00 am23-14890 / CMGJustin M. Gillman, Esq.Order Shorten TimeGranted
>>OST<<<


MOTION FOR AUTHORITY TO OBTAIN CREDIT
Financing for Motor Vehicle

old car needed 8,000 in repairs this one is for 1 2020 KIa
family needs 2 cars for work for each debtor. payment less than old lease ppayment
Matter ResolvedRequest
Adjourment
929/6/2023 9:00 am23-14992 / CMGJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Continued
10/4/2023 9:00 am

mk: 9/6 23: email to attys -will there be an Order setting forth terms they put on record?

Interim resolution and carry to 10/4 - debtor pay 8000 before end of SEpt for PP rent and use and occupancy


resolved : adj to 9/6/23 and debtor to pay 8,000 overnight and 2nd 8,000 by 9/5 if default the SV granted upon filing of a Cert of default and no need for 9/6 hearing . all rights preserved to 9/6


Debtor obj<>CHERYL T FRETZ /landlord (NORRIS McLAUGHLIN)
23,000 in Post pet arrears - no lease payments since march 2023:commercial LL of debtor's business- lease was executed in debtor name individually. even though runs business out of it and business in sub chapter 5-which is pending in PA

Debtor says will make immediate lease payment and then cure....

conf is rec dismissal -no 341 - docs supplied 8/11 and 341 now scheduled for 9/14/23

341 now on 9/14 and conf 10/4/23
Matter ResolvedRequest
Adjourment
939/6/2023 9:00 am23-15826 / CMGMarc C. Capone, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGranted
LOSS MIT


Conf on 9/6: ISSUES. US BANK( RAS): has obj to confirmation - LM not offered
Matter ResolvedRequest
Adjourment
949/6/2023 9:00 am23-15884 / CMGJohn Zimnis, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO ALLOW POA FOR 341(a)

POA provided
Matter ResolvedRequest
Adjourment
09/6/2023 9:00 am23-16151 / CMGWarren Brumel, Esq.Motion Relief from Stay (Fee)Order Previously Submitted
YELENA LEVKOV/LANDLORD (DETZKY, HUNTER)


This was heard on 8/16/23 on a OST and granted
Matter ResolvedRequest
Adjourment
959/6/2023 9:00 am23-16386 / CMGLaurence R. Sheller, Esq.Motion Extend TimeContinued
10/4/2023 9:00 am

Interim order: granting Ct to extend stay for limited period of time thru 10/4


AR NOTE CURE PLAN PRIOR CASE DISM AFER CONF -- MAYBE CONDUIT TO RESOLVE
US Bank obj (Powers)<>MTN TO EXTEND STAY

>timely filed and 341 meeting 8/24/23

creditor want adj to have more time to respond. NEEDS BRIDGE ORDER
Matter ResolvedRequest
Adjourment
969/6/2023 9:00 am23-16386 / CMGLaurence R. Sheller, Esq.Motion Cross MotionContinued
10/4/2023 9:00 am

creditor to file supp cert

AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, requests recap<>US BANK CROSS MTN FOR STAY RELIEF/Hillcrest Ave (Powers)

Prospective relief- serial filer. Bad faith

Motion to extend stay was adj to 9/6 at creditor request then they filed this cross motion.
Matter ResolvedRequest
Adjourment
979/6/2023 9:00 am23-16906 / CMGRobert Cameron Legg, Esq.Motion Extend TimeGranted
MTN TO EXTEND STAY

timely filed
341 9/7/23
Matter ResolvedRequest
Adjourment
989/6/2023 10:00 am19-15753 / CMGHerbert B. Raymond, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 40 of 55 required payments   Arrears: $537.00  Total Paid In: $21,438.00
MP by 9/12 and ct will give it date of 11/2

ISSUES AS OF 8/23/2023 (DM): Condo Assn (Anthony Chirles, Esq) filed an objection.

1) MP proposes $27,784.09 total treatment to US Bank/Rushmore for pre-petition arrears, post-petition arrears and fees & costs. Trustee only has $22,806.93 on account for this creditor from filed claim(s) and consent order(s). Need additional claim or consent order to cover the difference in numbers (UNRESOLVED).

2) MP provides $10,517.50 secured treatment to The Oaks at North Brunswick for post-petition condo fees & costs - need a claim filed or consent order to pay (UNRESOLVED).


Confirmed Case: $7,530 Ptd, $346 x 4, $492 x 56, Base Plan
Prop. MP: $20,374 Ptd, $532 x 6 start 8/1/23, $1,176 x 26, Base Plan
PTD = $20,906
Last Claim (10-2) dated 8/28/20
Matter ResolvedRequest
Adjourment
999/6/2023 10:00 am20-18681 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 101 of 39 required payments   Arrears: $979.00  Total Paid In: $98,595.00
AS of 8/18/23(mk);

REC CONFIRM AT $97,616 PTD, Then $979 x 23 begin 9/1/23 100%. Student Loans Outside. LM by 12/1/23. TR NO Pay arrears pending LM.
Must file application for supplemental atty fees of $700 w/in 7 days of confirming order

-----------------
1.Debtor in Trial LM but need date for LM by( permanent LM) to put in conf terms. ATTY SAYS: last trial payment due 10/1/23. so Final by Nov. I will put 12/1/23 deadline to allow time to file Motion to Approve


MP proposes :$979 X 24 BEG 8/2023; 100%
REMOVING CURE OF MTG ARREARS debtor in trial LM
Plan has run 37 mos and 23 remain
Matter ResolvedRequest
Adjourment
1009/6/2023 10:00 am20-20618 / CMGJohn Michael McDonnell, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 34 of 37 required payments   Arrears: $0  
Total Paid In: $81,419.00
As of 8/17/23 (DS):

mk sent email to atty w/ terms on 8/23- atty OK to terms

Need to confirm at $76,320 paid, $2,359 x 1 begin 9/1/23; $2,382 x 13 begin 10/1/23; 100% with a minimum dividend $941 due to non-exempt equity

MP Prop $2,359 x 15 begin 8/1/23; Dollar Base $941
- Includes IRS claim filed 9/30/21.
Matter ResolvedRequest
Adjourment
09/6/2023 10:00 am22-10193 / MBKDaniel E. Straffi, Esq.Order Shorten TimeGrantedTotal Paid In: $7,000.00
MBK CASE


>>OST<<

US Bank limited obj (Romano)<> MTN TO SELL CREEKVIEW RD PPTY



9/3/23:MK: 100%
exemption on C and Order match
Realtor & atty for closing applications filed
Order is good
Matter ResolvedRequest
Adjourment
1019/6/2023 10:00 am22-15682 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 7 of 15 required payments   Arrears: $4,152.00  Total Paid In: $15,141.00
AS of 8/18/23(mk): needs 1 more dollar p/m than proposed terms- email to atty- atty ok to terms


NEEDS TO CONFIRM AT $15,141 PTD Then
$2,076 x 47 Begin 9/1/23 0% Must file application for Supplemental fees of $800 with in 7 days of confirming Order

MP proposes:$2,075 X 47 BEG 9/2023; $0
ADDING PP HOME EQUITY LINE ARREARS

Plan has run 13 mos and 47 remain
Matter ResolvedRequest
Adjourment
1029/6/2023 10:00 am22-18267 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 12 required payments   Arrears: $550.00  Total Paid In: $6,833.00
9/5/23(mk): updated

CAN RECOMEND CONFIRMATION AT $5,500 PTD, Then $550 x 1 Begin 9/1/23 Then 1,333 x 48 Begin 10/1/23. BASE w/ Minimum to unsecured creditors of 50,000, per a compromise and agreement by Debtor. This minimum to unsecured creditors is non modifiable to any lessor amount in the future.

-Wells Fargo claim #10-1 shall be treated as current and outside and will not receive distribution on the secured or unsecured portions of the Proof of Claim.

-The collateral for Manufacturers Traders Trustee Co. Claim #16-1 was surrendered in the plan so the unsecured portion of that claim will not be set up for payment unless a deficiency claim is filed.

-Student Loans to be paid outside plan.

-Must file fee application w/in 7 days

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


mk: see debtor atty response at #27 - he agrees to Tr 122c dispo income of 33,562.20 what he says is NE equity in personal property $16,304 TR will agree to 16,438 the 33,562 for total to gucs 50,000 non modifiable

TR proposed terms at -- Below - then Capone filed response
setting forth preference payments and analysis.

8/28/23(mk):

NEEDS AR REVIEW

>> debtor atty email 8/22/23 with proposal. lays out preference payments and offers to pay to gucs total of 42,035($33,562 (122c) 16,304non exempt assets) and Student loans Outside
current plan does not have that - so do we need MP or add the language, 08 for NE equity

TR shows NE assets:$3,475.65 timeshare; $200 2019 KIA; $7,350; 2015 Jeep; $4250 Jewelry; $2969.01 TE #7161; $267.69 TD #6942; $3,445.82 TD #4676; $849.16 TD #2470 = total $22,807.33

>>STILL NEED TREATMENT OF POC #10-1 WELLS FARGO- BIFURCATED CLAIM( SECURED 17,204.05 UNSECURED 732.24 NO ARREARS) need to know what you wish to do so i can add the language to terms. Not In Plan

adj 2 weeks to 9/6 to see if resolve and Tr proposal- response 7 days before

8/15/23(mk):supplemental cert filed by J. Cohen- references preference payments- MK ema
Matter ResolvedRequest
Adjourment
1039/6/2023 10:00 am22-18731 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
9/20/2023 10:00 am
Debtor has made 6 of 11 required payments   Arrears: $507.00  Total Paid In: $3,188.00
revised order submitted that takes care of MAK obj. need it to be entered then will work up for conf on 9/20

9/5/23: Co submitted that vacates LM Order and Tr is to pay pre and post petition through the plan- adj to 9.20 for revised order that sets forth LM order is c vacated and pay pre and post pet through plan- need to add the post pet to WS



AS of 8/18/23(mk):


**CAN REC CONFIRM AT $2,649 PTD, Then $523 x 43 Begin 9/1/23. Base**



1. Note: Mp has in part 4a to Midland Mtg( pre and post arrears - THRERE ARE NO PRE PET- LM ORDER ENTERED - ONLY POST PET THRU THIS MP



MP proposes:$2269 PTD; $380 X 1; $523 X 43; BASE
ADD POST-PET MTG ARREARS
Plan has run 9 mos and plan extends to total 50 mos so 41 remain
Matter ResolvedRequest
Adjourment
09/6/2023 10:00 am22-20214 / CMGAndrew B. Finberg, Esq.Confirmation Hearing ScheduledOrder Previously SubmittedDebtor has made 7 of 10 required payments   Arrears: $2,161.00  Total Paid In: $14,161.00
MOOT PREV. CONFIRMED ON 8/16; MINUTES WERE AMENDED TO
SAY CONFIRMED

8/16/23(mk) Updated-email to atty

**NEEDS TO CONFIRM AT $12,000 PTD, Then $3,262 x 52 Begin 9/1/23 100%Preserve equity $54,780
Trustee is authorized to pay Movement Mortgage claim #15-1 in the amount of $429.91.
must file pre conf cert in 7 days**



see new appraisal

As of 8/3/23(mk):

>>ISSUES REMAIN ON HOME VALUE AND AS OF NOW TR SHOWS $72,523 of NE EQUITY IN THE PROPERTY- NEEDS 100%

1. Movement Mtg in plan as unaffected- Filed small arrears POC $429.9--OK TO PAY? ( MK PAY)

2. Trustee Objection:
-Verified income leaves monthly disposable income of $3,951.29.
-Need update CMA with comparables in last 6-8 mos. Internet show value over $500,000
- at 500,000 (and deducting tax claims),There is $72,523.83 in non exempt equity in the residence. So this remains Tr position - NEED appraisal or updated detailed CMA on value if debtor disputes value
- must file pre conf cert
---------
- need 2022 tax return(Provided)
NJ Div of Tax- STILL ESTIMATED CLAIM for priority- No returns for 2019-2021 mk; says all returns filed APOC

IRS filed secured claim $1,814.50 and priority $85,570.54
- need current car insurance- what was provided has expired. UPLOADEd APOC

Plan:2,000 x 60 base
5/8 payments
Matter ResolvedRequest
Adjourment
1049/6/2023 10:00 am23-10383 / CMGBrian F. O'Malley Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 9 required payments   Arrears: $993.00  Total Paid In: $4,966.00
REPORT TO CT

mk: set email to atty w/ terms

Need to confirm at $4,966 paid, $2,985 x 1 by 9/30/23, $993 x 28 begin 10/1/23; 100%
- Student loans to be treated outside.
- Claim #4-1 of Amal Kalyoussef to be treated as secured.

mk: atty upload proof of payment s made- per AR - do ptd then terms and payments credited when they post

FYI:8/31/23:Order submitted resolving MRF- No arrears continue reg mtg payment of 1300 begin 8/1/23(mk)


adj 9/6 to resolve all Tr obj PEREMPTORY

8/29 workup for the 9/6 calendar EDC

2 payments arrears to trustee

motion to reimpose stay on for 8/2- OTBS---still no order


1) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income Verified income leaves monthly disposable income of -$78.49.



proposed plan $993x18 begin 2/2023, $954x18, $258x18 100% plan
paid in $3972
arrears $993

-----------------------------
RESOLVED
- The attorney's fees in the plan and the disclosure statement do not agree. One of these must be amended. OK EDC
- Need to file Pre-Confirmation Certification. DONE
2) Landlord obtained stay vacate order 6/7/2023-OTBS-STILL NO ORDER

- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,339.00 when determining disposable income.
- The debtor has failed to supply the Trustee with the following document (s): A copy of the last filed tax return - 2022 by 5/31/2023. FILED CERT OK
Matter ResolvedRequest
Adjourment
1059/6/2023 10:00 am23-10546 / CMGPRO SEConfirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 4 of 9 required payments   Arrears: $70.00  Total Paid In: $247.00
debtro says creditro will agree to instalment payments- adj 10/4 to see if can be worked out

8/18/23(mk):


TR Objection:
mk: MP to separately classify unsecured debt( No claim filed) to AT&T for cell phone bill. on 8/4/23 I emailed Debtor telling her Tr will object as no basis under the code for the separate classification

(amt: outstanding items from 7/19 conf)


Need to strike plan 4 d for modification of Credit Crop- there was to be an order entered specifying treatment on this claim- 8/18/23: sent email to D. Morford for status of Order
Matter ResolvedRequest
Adjourment
1069/6/2023 10:00 am23-10605 / CMGGeorgette Miller, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 2 of 9 required payments   Arrears: $9,933.00  
MK: mp in 14 days

AR RESOLVE OR HOLD
AS OF 8/28/23 (SF)

1. Per Attorney, Debtor proposes not to pay pre-petition arrears to Newrez/Shellpoint mortgage due to loan mod. Must file motion to approve loan mod. so that we can remove the claim.


Plan proposes $5067.50 PTD; $2955 x 53 Base
Payments: 7/7
Matter ResolvedRequest
Adjourment
1079/6/2023 10:00 am23-10760 / CMGPRO SEConfirmation Hearing on Modified PlanDismissedDebtor has made 4 of 9 required payments   Arrears: $0  

ken asked me to do it and add the provision

Ct said Ken Borger to submit order: MK: add term to dismissal order- that no foreclosure SALE date filed before 10/31/23.


AR prev heard by judge
9/3/23(mk): another fax- same issues- emailed her no adj Appear at noon


As of 8/18/23(mk)

Work up on MP #45. Case is now 7 mos. Old 3/7 payments. Arrears $2,640 under old payment of $750. This plan proposes 1,000 p/m

1. Objection By US Bank( RAS):
- plan fails to cure arrears. LM speculative - not offered. Plan is not feasible.


2. Trustee Objection:
- Plan is not feasible.
- part 5 for treatment of unsecured creditors is
blank.
-Part 8 is also blank.
-No amended sch I& J filed. No current proof of
income provided.

---PRIOR CASE NOTES FOR HISTORY------

8/13/23(mk)- another adj. request from debtor- same circumstances email to debtor that this plan is denied and hearing date on MP is 9/6/23

Mp filed- needs objection

7/5/23: creditor going to file MFR and Ct adj. conf for feasible plan
debtor she needs to file a MP

**PER CHAMBERS WILL HOLD FOR NOON ON 7/5/23. Mk to email and call debtor and notify creditor. IN EMAIL I GAVE DEBTOR INSTRUCTIONS FOR CT. SOLUTIONS AND COPIED AND PASTED THE CASE NOTES.

Mk: debtor faxed docs- including 4 pages of her feb plan and now she has circled a LM...

6/26/23(mk): another fax about adjournment and family emergency. sent email to chambers and cc AR. ALSO LEFT HER A VOICE MAIL

>>CASE IS RECOMENDED FOR DISMISSAL
5th filing- mtg arrears 126,653.87

As of 6/23/23(mk): 4th hearing date on this case. ALL ISSUES UNRESOLVED
3/5 payments made $1,500 arrears


6/6/23:Mk: debtor requesting another adj- continued family emergency- email to creditor for consent-(mk: adj to 7/5 PEREMPTOTY

5/1/23: debtor requests another adj- family emergency

AS OF 4/25/2023 (at):

4/3/23 (sf) Debtor left voicemail that she needs an adjournment. Called her back but no answer.

1. Objection filed by US Bank (Robertson Anschultz) - fifth bankrupt
Matter ResolvedRequest
Adjourment
1089/6/2023 10:00 am23-10955 / CMGRobert Jeney, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 8 required payments   Arrears: $350.00  Total Paid In: $1,400.00
9/3/23: UPDATED: made a payment 8/30 so updated numbers: sent email to atty

**CAN REC CONFIRM AT $1,200 PTD Then $200 x 1 Begin 9/1/23 Then $350 x 52 Begin 10/1/23 100%. preserve non exempt equity threshold of $54,047 in real and personal property. Strike per plan domestic support obligation. Part 8(a) of the plan shall be modified to provide that the Debtor's property shall be vested upon confirmation.
Must file pre conf cert w/in 7 days**

8/21/23:MK: POCS filed - one has wrong zip code: citibank 1-1- email to atty ATTY SAYS FILED A CORRECTED POC USING THE NY ADDRESS

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

8/28/23; MK SENT ANOTHER EMAIL TO ATTY
ADJ To 9/6 as terms as atty never advised accepted on 8/16 and needs to make the August payment THEN CAN REWORK THE TERMS

MK: 8/10: Revised order submitted on the motion so terms below are correct.

email to atty:
8/9/23(mk): if a revised order (mk; advised atty what was needed) submitted on motion to allow late claims of TD bank and Citi Bank.



Plan has to be 100% dues to NE equity in real and personal property

NO Claim was filed for the Domestic support obligation in plan- Cert uploaded says does nor owe support - SO That has to be stricken-

Suppl atty certs says :
claim for Citi Bank is in the amount of $5,540.00.
claim for TD Bank is in the amount of $12,148.00.
STILL NEED A REVISED ORDER SUBMITTED THAT SETS FORTH THE CLAIM AMOUNTSFOR THE POCs AND AURTHORIZES THE TR TO PLAY THOSE UNSECURED CLAIMS THROUGH THE PLAN

AS of 8/4/23(mk): EMAIL TO ATTY

**MOTION TO FILE LATE CLAIMS ON 8/16- NO AMOUNTS OF THE CLAIMS ARE IN THE PAPERS( SO I CAN'T WORK THIS UP) AND NEEDS A REVISED ORDER TO AUTHORIZE TR TO PAY THE CLAIMS THRU PLAN

>>the bar date was 4/17/23 and NO CLAIMS AT ALL have been filed in this case<<
-------------------------------

1. Trustee objection- 100% resolves issues
-need update home insurance. what was provided expires 6/28/23 which is pre conf
regarding DSO obligations says he has no
Matter ResolvedRequest
Adjourment
1099/6/2023 10:00 am23-11148 / CMGFRANK J FISCHER, ESQConfirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 8 required payments   Arrears: $1,172.00  
- MP (Doc #37) does not make a selection in Part5a, and one could argue that the plan term is for 67 months. This Plan has not been scheduled yet.
- ADJ Request denied - MP (Doc #35) filed 8/28/23 proposes a 69-month term and does not complete Part 5a. This Plan is scheduled for 10/4/23.

ISSUES AS OF 8/23/2023 (DM): Recommend Denial of Plan (Doc #17)

 Case has been pending since 2/11/2023 - ADJ to 9/6/23 Peremptory.

***If paying claims below to resolve objection, then debtor needs $1,877.04 Ptd, then $1,001 x 55 starting 8/1/23, Base with $10,000 minimum dividend, Trustee is authorized to pay IRS amended secured/priority POC (6-2), and Santander arrears POC (5-1) in the amount of $641.59; Pre-Confirmation Certification shall be filed within 7 days and 2022 tax return shall be supplied within 21 days***

1) IRS (Eamonn O'Hagan, Esq) OBJs - $26,140.13 amended secured claim not treated in the MP (UNRESOLVED).

2) Santander filed $641.59 arrears claim on 2013 Chevy Cruze (OKAY TO PAY??)

3) Trustee OBJ:
- Income verifies higher ($5,036) than scheduled ($4,492) resulting in $902 monthly disposable income.
- Need 2022 tax return (UNRESOLVED).
- Need to file Pre-Confirmation Certification (UNRESOLVED).

***RESOLVED ISSUES***

A) CMG Mortgage (KML) OBJs - $3,006.95 arrears claim not treated in the plan (CONSENT ORDER ENTERED TO TREAT ARREARS OUTSIDE THE PLAN).

B) Trustee OBJ:
- Need DSO form (RECEIVED).
- DSO form is blank (CORRECTED).
- Need a copy of the deed (RECEIVED).
- Plan does not treat U.S. Dept. of HUD (MP CORRECTS).
- IRS priority claim is estimated for 2022 tax return (AMENDED).


Prop. Plan $300 x 1, $425.68 x 59, $10,000 Min Div
PTD 5/6 = $1,877.04
Last Claim (16-2)
Matter ResolvedRequest
Adjourment
1109/6/2023 10:00 am23-11217 / CMGJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 8 required payments   Arrears: $1,016.00  Total Paid In: $13,826.00
AS OF 9/6/23 (SF) UPDATED


RECOMMEND $12,134 PTD, $2,708 X 53 (BEGIN 10/1/23) 100% PLAN W/MIN $6854 TO GUCS DUE TO NONEXEMPT EQUITY IN PERSONAL PROPERTY
-- NONEXEMPT PROCEEDS FROM EMPLOYMENT DISCRIMINATION LAWSUIT TO BE TURNED OVER TO TRUSTEE
-- STUDENT LOANS TO BE PAID OUTSIDE PLAN
--FILE AMENDED SCHEDULES B AND C TO CORRECT YEARS FOR MAZDA AND CHEVY
-- FILE FEE APPLICATION FOR ESTIMATED HOURLY FEES OF $5538 WITHIN 7 DAYS OF ENTERED CONFIRMATION ORDER
--FILE PRE-CONFIRMATION CERTIFICATION WITHIN 14 DAYS




1. Trustee motion to dismiss scheduled for 9/6 at 9 (Withdrawn)

2. Trustee objection:
- Need Amendments to Schedules B and C to add correct years for Mazda (2019) and Chevy
(2018) and values. (STILL NEED)

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Transportation $940 and support payments $1,300 (must provide order for support payments or Certification with bank statements 10 days before confirmation).

- Disposable income verifies at $ 3,361 per month.
Form 22c has disposable income $761.41 (Plan pays 100%).

- The Schedules fail to account for the debtor(s) tax refund in the amount of $7,984 when
determining disposable income.

- There is non-exempt equity in Chase savings acct#7756 of $5,940, Chase joint acct#2900 for Co-Debtor's interest of $575 and Debtor's interest of $75 and Chase Bank checking acct#1516 of $264. (100% Plan)

- Need Statements from Co-Debtor for Loans 6, 7, 8 and 9, 10 shown (RECEIVED)
loan 6 matures 12/12/24 - payment $389.64
loan 7 matures 10/03/25 - payment $235.86
loan 8 matures 05/01/26 - payment $797.34
loan 9 matures 01/22/27 - payment $263.28
loan 10 matures 11/12/27 - payment $86.20

- Must file Pre-confirmation certificate.

- Confirming order must provide for all non-exempt proceeds from employment discrimination lawsuit.


Plan proposes $8750 PTD, $1692 x 55 100%, Student loans outside
Payments: 6/6


RESOLVED:
- Need Domestic Support Obligation information (RECEIV
Matter ResolvedRequest
Adjourment
1119/6/2023 10:00 am23-11419 / CMGMichael Alan Siddons Confirmation Hearing ScheduledDismissedDebtor has made 6 of 8 required payments   Arrears: $0  

8/29 Workup for the 9/6 calendar EDC

CANNOT ADJ WITHOUT PROOF OF CAR INSURANCE
PROMPT CURE WOULD NEED OVER $2400 A MONTH PAYMENT FOR 18 MONTHS-NOT FEASIABLE

Trustee Objection:
---The debtor has insufficient income Verified income leaves monthly disposable income of
$405.59..
---Need A copy of the last filed tax return - 2022 by 5/31/2023.
--Need proof of insurance for the 2018 Hyundai.
--The Plan fails to provide for a prompt cure of rental arrears.
---Need to file Pre-Confirmation Certification.
---Need to resolve the estimated claim filed by the IRS.

--are we paying the $30 Santander claim?

$800 X 60 BEG 3/2023; BASE
claim 8

-----------------------
RESOLVED
---The Schedules fail to account for the debtor(s) tax refund in the amount of $2,080.00
when determining disposable income. OK EDC
Matter ResolvedRequest
Adjourment
1129/6/2023 10:00 am23-11531 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 7 of 8 required payments   Arrears: $250.00  
AS OF 8/23/23 (mk):

PLAN IS A SALE PLAN- WHAT ARE THE EFFORTS TO SELL? No listing agreement or retention applications have been filed.

*CASE IS 6 MOS OLD* STILL NEED TO RESOLVE #1 AND #2

MRF - Seeking Prospective relief by M & T bank on 9/6/23(Parker McCay)
3 prior cases for debtor. Final j'ment in Foreclosure entered 4/11/18. Cases filed for delay.


1. Objection filed by M&T Bank(#3-1) (Gerbino- now parker McCay( B. Caine is counsel) - failure to provide for arrears of $68,313.65 and propose ongoing post petition payments of $433.97 (ARREARS CLAIM 3-1 SHOWS $39,553.74 DUE) Plan proposes to pay at sale

2. Objection filed by M&T Bank/Lakeview(#6-1) (Egerman) - failure to provide for amount due of $3,330.81 (TOTAL DEBT CLAIM WHICH MATURES IN 2024) Plan proposes to pay at sale

----RESOLVED-------------
-all non-exempt proceeds from sale of house to be paid to Trustee..
Trustee objection:
-IRS claim #2 priority claim estimated for 2019 and 2020 taxes, unsecured claim estimated. APOC FILED

NJMVC filed bifurcated claim 4-1 in the amount of $1770.97 secured and $1000 unsecured. This claim was not addressed in plan (MUST RESOLVE) mk: per atty pay secured part per claim amt and treat gucs pro rata per treatment w/ other gucs

Fox chase at Tinton Falls Condo Assoc filed bifurcated claim 5-1 in the amount of $9097.97 secured and $10,812.22 unsecured. (HOW SHOULD THIS CLAIM BE PAID?)mk: per atty pay secured part per claim amt and guc treated pro rata w/ other guc per confirmed plan

- there is non-exempt equity $1,303 in real property. (DEBTOR DOES NOT TAKE D(1) EXEMPTION ON SCHEDULE C)AMENDED C FILED


Plan proposes $250 X 60 Base Sale of Fennec Court by 10/1/23
Payments: 5/6
Matter ResolvedRequest
Adjourment
1139/6/2023 10:00 am23-11705 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 7 required payments   Arrears: $3,419.00  
MP Filed 9/5 MP says to TREAT HOWELL VERDANA, LLC CO VERDONNA, LLC PAY IRS & NJ TAX CLAIM


8/16/23:any add'l submissions on pre and post pet amts owed to LL. motion to extend stay on 9/6 and the amts due to be submitted 7 days in advance

8/31 workup for the 9/6 calendar EDC

*2 payments arrears and same issues as several times NFA

MFR from Nissan though Global Lending on for 9/6-needs resolution

* Objection filed by Howell Verdana, LLC (Cohen, Seglias- Alex Barth Esq.) - debtor listed as assuming rental lease but creditor filed a guc claim for failure to cure rent arrears of $45,370.26 and claims lease was terminated prior to filing so it cannot be assumed. (UNRESOLVED)

* Trustee's objection:
- The debtor has insufficient income income verifies significantly lower than the scheduled
amount(-90.87).
-Need to file Pre-Confirmation Certification with the Court (NOT FILED)
- Need proof of service on Eastern Auto Motor Corp, Bob Scerrato, Diegnan & Brophy, LLC and Fox & Molofchik, LLC. (CERT OF SERVICE NOT FILED)

-----------------------------
RESOLVED ISSUES:*now that NJ has been amended is he withdrawing his motion? YES

student loans outside? (mk: YES)
- The Plan fails to provide for a prompt cure of rental arrears. (NO RENT ARREARS IN PLAN)
- State of NJ estimated taxes. (resolved)
-Need to provide Trustee with a copy of the 2022 tax return on or by 5/31/2023 (RECEIVED)
- IRS priority claim estimated for 2019 and 2022 taxes (NO LONGER ESTIMATED)
1. Objection filed by Global Lending Services (Stewart Legal) - failure to cure full arrears of $7,051.85. (RESOLVED - PAY ARREARS PER PROOF OF CLAIM)
3. Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)

Plan proposes: $900 x 36 beginning 4/1/2023, base
Payments: 1/2, arrears $900
Matter ResolvedRequest
Adjourment
1149/6/2023 10:00 am23-11815 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 4 of 7 required payments   Arrears: $1,050.00  
MRF adj to 10/4- needs to amended sch for inheritance has filed tax returns. making payment today- needs to be current by Oct date

ISSUES AS OF 8/25/2023 (DM):

MRF 9/6- Straffi wants more time for taxes and refi ... but AT short leash.

1) Mortgage Assets Management (McCalla) OBJs - refinance is speculative and circumstantial (UNRESOLVED).

2) Trustee OBJ:
- Need 2021 and 2022 tax returns (UNRESOLVED).
- Need amended Sch A/B and C to add real property (UNRESOLVED). Inherited property and Deed has not been transferred.

***RESOLVED ISSUES***

A) Trustee OBJ:
- There is $16,985 non-exempt equity in real property and $13,550 non-exempt equity in 2017 Nissan EV Van for a $30,535 total (LANGUAGE ADDED).


Prop. Plan $350 x 60, 100% Plan
- refinance of Terrace Ave by 9/1/23
PTD 4/5 = $1,400
Last Claim (1-1)
Matter ResolvedRequest
Adjourment
1159/6/2023 10:00 am23-11894 / CMGEric J. Clayman, Esq.Confirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $250.00  
AS OF 08/28/23(SF)


1. Objection filed by Lakewview Loan Servicing (Egerman) - failure to pay arrears and speculative loan mod (MUST RESOLVE)

2. Trustee objection::
The Plan needs to run for a minimum of 36 months.
Form 122c-2 Line 45 monthly disposable income $2,457 and requires minimum $147,420 dividend to general unsecured creditors (100% Plan) (WILL RUN A MINIMUM OF 36 MONTHS AND WILL BE 100% PLAN)



Plan proposes $250 x 30 100%; Loan Mod by 3/1/24
Payments: 5/5

RESOLVED:
- Must file pre-confirmation certification (FILED)





Matter ResolvedRequest
Adjourment
1169/6/2023 10:00 am23-11975 / CMGBRUCE H. LEVITTConfirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 1 of 7 required payments   Arrears: $1,990.00  
Per AR adj to 10/4 to motion to W/d and atty to notify debtro to appear on 10/4

9/5/23: atty filed amended atty disclosure(#24)which resolves #3 below then also filed a Motion to W/D as atty(#23) (mk)

ISSUES AS OF 8/25/2023 (DM):

1) IRS filed $1,311 estimated general unsecured claim for 2017 tax year (UNRESOLVED).

2) State of NJ filed $537.42 estimated priority tax claim for 2021 tax year (UNRESOLVED).

3) Amended Attorney Disclosure Statement does not propose to pay attorney fees through plan (wrong box checked). Plan provides for fees through the Plan. Must amend Attorney Disclosure again or file MP to remove attorney fees (UNRESOLVED).

4) Trustee OBJ:
- There is $179,016 non-exempt equity in Alameda Dr property, $84,207 in Washington Ave property, $7,000 in 21ft Aquasport, $18,000 in Formula Fast Tech 29ft, and $1,000 in 2006 Jeep. Total is $289,223 (100% Plan - ADD THRESHOLD).
- Must file Pre-Confirmation Certificate (UNRESOLVED).

***RESOLVED ISSUES***

 MFR filed by Mill City Mtg on Washington Ave property - scheduled for 7/19/23. (adj to 8/16 mk - OTBS with no impact to plan)

A) IRS filed estimated priority claim (AMENDED TO $0).

B) Trustee OBJ:
- Need updated motorcycle insurance for 2011 Harley Davidson (RECEIVED).


Prop. Plan $150 x 5, $1,970 x 55, 100% Plan
PTD 4/5 = $600
Last Claim (4-1)
Matter ResolvedRequest
Adjourment
1179/6/2023 10:00 am23-12135 / CMGAndrew M. Carroll, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 1 of 7 required payments   Arrears: $0  

Per atty - Dismiss -Hold fees- NO FEES TO DISBURSE

mk: 341 now on for 9/7/23 MP filed on for 9/20- DEBTor IS 1/6 PAYMENTS



As of 8/17/23 (DS): 341 needs to be rescheduled, Debtors are in arrears $4,155, made 1 payment 4/24/23 out of 6 payments. Debtor must get current and provide updated auto insurance (expired 5/12/23), then submit confirmation adjournment request. Trustee will not adjourn unless payment and auto insurance is provided.
Matter ResolvedRequest
Adjourment
1189/6/2023 10:00 am23-12232 / CMGEugene Roth, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 1 of 7 required payments   Arrears: $6,360.00  Total Paid In: $2,972.00
(AMT: MP #39/WITH NOTICE FILED 8/7/23)<<>>

I and J amended, need to review
Matter ResolvedRequest
Adjourment
1199/6/2023 10:00 am23-12268 / CMGPeter J. Broege, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 5 of 7 required payments   Arrears: $0  

AS OF 8/28/23 (SF) Per atty ok to dismiss.(no atty fess thru plan)

1. Motion for Relief filed by Wilmington Truste (RAS) scheduled for 9/6/23 at 9 (No opposition)

2. Objection filed by Wilmington Trust (Jennings) - Plan appears to be speculative as it is silent as to what efforts have been undertaken to sell the property. There are no filings on the case docket with respect to an application of sale. The Plan is also silent as to an alternative treatment in the event that a sale is not consummated.

3. Trustee objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of $3,925.15..
- Need a copy of the last filed tax return - 2022.
- Need an order allowing trustee to make adequate protection payments to PHH Mortgage. (Order submitted to Court on 7/28/23)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,487.00
when determining disposable income.
- There is $22,168 in non exempt equity in the bank accounts.(Plan is 100%)
- Need to file Pre-Confirmation Certification.

Plan proposes $5506 x 6 Sale by 9/1/23
Payments: 4/5 Arrears: $5506







Matter ResolvedRequest
Adjourment
1209/6/2023 10:00 am23-12303 / CMGFRANK J FISCHER, ESQConfirmation Hearing ScheduledWithdrawnDebtor has made 5 of 7 required payments   Arrears: $0  

MP(#22) filed 8/28 and amended I & J- on for 10/4/23. MP does not address deficiencies in the original plan #2.


As of 7/12/23 (DS): Debtor attorney requested adjournment to resolve creditor objections

As of 7/11/23 (DS): 1. BELOW ISSUES REMAIN UNRESOLVED.

As of 6/5/23 (DS): Debtor attorney requested adjournment to allow time to resolve objections

6/7/23 (DS): 1. Trustee obj to the following:
- Need 2021 tax return for non-filing spouse (Debtor filed as HOH, not MFJ) and 2022 joint tax return, Feb & March bank statements for Wells Fargo acct#2330 and Bank of America acct#8701 prior to filing date.
- Excessive expenses on Sched J such as: $200 Homeowner's insurance (escrowed with mortgage), $280 Home maintenance and $567 Utilities and Car insurance is $400 (verifies $335).
- There is non-exempt equity $2,569 in 2012 Volvo.
- Must file Pre-confirmation certificate.
- Must resolve the creditors objections.

2. SLS-1st mtg (STEWART LEGAL) obj to arrears owed, arrears POC filed for $5,766.21. Obj must be resolved.

3. SLS/Deutsche-2nd mtg (STEWART LEGAL) obj to reclassifying claim plus interest rate and ask that arrears $51,782.89, per POC. Obj must be resolved.

4. Santander (2007 BMW) arrears claim filed $2,975. Creditor is not in Plan and car is not on Schedules and no auto insurance was provided. Claim needs to be paid or move against claim.

Prop Plan $385.66 x 60 begin 4/2023; 100% and Loan mod by 60 months
Note: Proof of social security income not needed as doc provided is dated 11/4/22. After deducting the difference in excessive expenses there would be disposable income $724.
Matter ResolvedRequest
Adjourment
1219/6/2023 10:00 am23-12411 / CMGBrad J. Sadek, Esq.Confirmation Hearing ScheduledContinued
9/20/2023 10:00 am
Debtor has made 1 of 7 required payments   Arrears: $2,591.00  Total Paid In: $3,125.00
mk: 9/6/23: Both parties agree to TR Conduit Order on MFR. Info sent to AMT for conduit order

ISSUES AS OF 8/25/2023 (DM): Opposition to pending MFR requests some pp arrears be added to the plan - need result.

 7/19/23 (mk): uploaded probate docs yesterday - document uploaded is Jessica Whisten renouncing her right of administration and appointment of Steven Whisten as Administrator.

 6/6/23 (DS): Debtor attorney requested adjournment to allow time to get info regarding probate of deceased parents property.

1) Trustee OBJ:
- Need documentation from the probate of the estate of the debtor's parents, proof that siblings have half interest (both passed without Wills).
- There is $2,063 non-exempt equity in real property - may be more if Debtor owns property 100%.
- Need 2 months (Feb & March) bank statements from Citizens Bank savings accts (RECEIVED).

Note: Auto and Homeowner insurance and Citizen Bank checking acct statements provided.


Prop. Plan $500 x 60, 100% Plan
PTD 5.5/5 = $2,750
Last Claim (11-1)
Matter ResolvedRequest
Adjourment
1229/6/2023 10:00 am23-12441 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 7 required payments   Arrears: $1,105.00  Total Paid In: $2,190.00
ISSUES AS OF 8/25/2023 (DM): Updated 9/6/23

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $1,825 PTD, THEN $735 x 55 STARTING 9/1/23, BASE PLAN WITH $20,262 MINIMUM DIVIDEND TO GENERAL UNSECURED CREDITORS DUE TO THRESHOLD***

1) JPMorgan Chase (Pluese) OBJs - $14,492.61 arrears (MOTION TO MODIFY THIS CLAIM ADJOURNED TO 9/6/23 - Motion Withdrawn).

2) Trustee OBJ:
- There is $5,685 non-exempt equity in Columbia Bank account.
- There is $6,100 non-exempt equity in the debtor's home (NEW CLAIM FILED, SO NON-EXEMPT EQUITY IN HOUSE IS HIGHER AT $14,576).

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need 2022 tax return (RECEIVED - NO REFUND).
- TD Bank acct# 2892 end balance 2/5/23 is $156.85 (RESOLVED - JOINT ACCOUNT DEBTORS SHARE $78.50 - NO N/E EQUITY).
- TD Bank acct# 2888 end balance 2/20/23 is $1,216.34 (RESOLVED - JOINT ACCOUNT DEBTORS SHARE $608.17 - NO N/E EQUITY).
- Need TD Bank account #9041 statements for 1/2023 and 2/2023 (ONLY PROVIDED 3/31/23 STATEMENT).
- Need Columbia Bank account #2521 statements for 1/2023 and 2/2023 (RESOLVED - PROVIDED 3/31/23 WITH BALANCE OF $12,802.62 - JOINT ACCOUNT $6,401.31 IS DEBTORS SHARE, N/E EQUITY $5,685).
- Service for the plan motions is in care of attorneys that have not filed a Notice of Appearance or a Proof of Claim on behalf of the creditors. Need to serve the creditors directly (RESOLVED - BOTH CREDITORS SERVED).
- Since the debtor is contributing to the wife's bankruptcy, he needs to increase payments when the wife's bankruptcy ends (INCOME IS SSI AND SON CONTRIBUTION).


Prop. Plan $365 x 60, Base Plan
PTD 5/5 = $1,825
Last Claim (15-2)
Matter ResolvedRequest
Adjourment
1239/6/2023 10:00 am23-12456 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 7 required payments   Arrears: $2,100.00  
MODIFIED PLAN WITHIN 7 DAYS.(reminder set)

8/25/23:mk: atty says will be filing MP and amended schedules.
so this plan should be marked as DENIED OR WITHDRAWN an MP IN 14 days

Certification filed by Debtor 7/17/23 and 7/31 about circumstances surrounding the signing of the petition when represented by prior counsel. K. Lucid( see JULY notes down below>>

MK: I thought Justin Gillman, who now represents debtor was filing a MP??
ALSO- NEED CLARIFICATION ON ATTY FEES- PLAN FILED BY LUCID OFFICE HAS BALANCE OF FEES O F$ 3,350 THROUGH THE PLAN. SHE NEEDS TO SENT TR AN EMAIL STATING WE ARE NIT TO PAY HER ON THAT AS SHE IS NO LONGER DEBTRO'S ATTY AS OF 7/10/23.

AS OF 8/21/2023 (at):

DEBTOR HAS MADE TWO OF FIVE PAYMENTS.

1. Objection filed by Lakeview Loan Servicing (McCalla) - failure to cure arrears of $4,276.63. (RESOLVED - PAY POC)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - for husbands new job with Hilton Hotels (NOT RECEIVED)
- 2 months bank statements from TD Bank prior to filing date. (NOT RECEIVED)
- Amendments to Schedules to include the husbands new job (NOT AMENDED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Home maintenance $300, Electricity/heat/gas $502 and Medical/Dental $561.
- The current Plan does not specify treatment of US Dept of HUD under the Plan. (CURRENT - PAY OUTSIDE)
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 estimated non-exempt equity in real property of $41,342.52 (CLAIMS FILED - N/E EQUITY IN RESIDENCE IS $42,392), 2013 Chrysler of $1,050, 2010 Subaru of $3,500 and TD Bank (pending recent bank statements).
- Must file Pre-confirmation certificate with the Court. (NOT FILED)

Plan proposes: $700 x 60 beginning 4/1/2023, not less than $32,790.09 to unsecured creditors
Matter ResolvedRequest
Adjourment
1249/6/2023 10:00 am23-12527 / CMGBrad J. Sadek, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 7 required payments   Arrears: $416.00  Total Paid In: $2,290.00
AS of 8/18/23(mk):

**CAN REC CONFIRM AT $1,850 PTD Then $428 x 55 begin 9/1/23 Base. must file fee app for supp fees of 700 with in 7 days of confirming order**


Plan: $1400 PTD; $428 X 56 BEG 8/2023; BASE
5/5 payments
Matter ResolvedRequest
Adjourment
1259/6/2023 10:00 am23-12551 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 7 required payments   Arrears: $1,783.00  Total Paid In: $2,665.00
ISSUES AS OF 8/25/2023 (DM): Updated 8/31/23

***Consent Order submitted to Chambers. Note that Consent Order would eliminate mortgage payment reflected on Sch J. TO CONFIRM, THE DEBTOR WOULD NEED $2,132 PTD, THEN $1,158 x 55 STARTING 9/1/23, BASE PLAN WITH A $28,539 MINIMUM DIVIDEND TO GENERAL UNSECURED CREDITORS, TOYOTA MOTOR CREDIT ARREARS POC (4-1) SHALL BE TREATED OUTSIDE THE PLAN***

1) Rushmore (ROMANO GARUBO & ARGENTIERI) OBJs - loan matures 11/1/2026 so secured claim must be paid in full through plan. Rushmore claim filed with $89,140.96 arrears but has $25,449.35 balance owed. Claim must be resolved, due to non-exempt equity to be determined (CONSENT ORDER SUBMITTED - PAY $25,449.35 THROUGH THE PLAN BY 11/1/26 OR AS SOON THEREAFTER).

2) Toyota Motor filed $0.21 arrears claim on 2022 Toyota Corolla (OKAY TO PAY??)

3) Trustee OBJ:
- There is $24,265 non-exempt equity in real property, $4,251 in 2013 Corolla and $22.62 in 2013 Toyota Tacoma for a total of $28,539 - amount subject to adjustment based upon total claim of Rushmore.

***RESOLVED ISSUES***

A) State of NJ filed estimated tax claim for 2019 tax return (AMENDED TO $0).

B) Trustee OBJ:
- Updated auto insurance for 2015 Toyota provided 6/7/23.
- Updated POI provided for both Debtors.


Prop Plan $533 x 60, $23,504 Min Div
PTD 4/5 = $2,132
Last Claim (5-2)
Matter ResolvedRequest
Adjourment
1269/6/2023 10:00 am23-12624 / CMGScott J. Goldstein Confirmation Hearing ScheduledContinued
9/20/2023 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $0  

9/5/23(mk): DEB sent email to atty as he tried to file something today w/ 17 page attachment that was corrupt- needs to refile doc


AS OF 8/29/23 (SF) ADJOURNED 3 TIMES WITH NO RESPONSE TO TRUSTEE OBJECTION

STILL NO PROOF OF SERVICE PROVIDED FOR PLAN MOTIONS (PROOF OF SERVICE JUST RECEIVED TODAY 9/6. STILL IMPROPER, DOES NOT SERVE MANAGING AGENT FOR PFSC, INC. )

Trustee objection:

- The Schedules fail to account for the debtor(s) tax refund in the amount of $1686 when determining disposable income.

-Bank of America acct #8859 has 2 large deposits on 2/22/2023 $6,500 wire transfer from Chase Bank and 3/13/2023 $2,023 wire transfer from Chase Bank. Did not provide statement for Chase Bank.
( need debtors' certification as to what those were) CERT JUST RECEIVED STATES THAT DEPOSITS WERE FROM TAX REFUNDS BASED ON CHILD TAX CREDIT. STILL NEED CHASE BANK STATEMENT.

- no proof of service on plan motions. (Capital One Auto; Ohio Treasurer and PFSC Inc.)

Plan proposes $712 x 60 Base
Payments: 4.75/5 Arrears: $178

RESOLVED ISSUES:

- Domestic Support Obligation information need DSO form (RECEIVED)
Matter ResolvedRequest
Adjourment
1279/6/2023 10:00 am23-12781 / CMGDavid G. Beslow, Esq.Confirmation Hearing on Modified PlanDismissedDebtor has made 4 of 6 required payments   Arrears: $0  

9/6/23 (sf) Per atty, ok to dismiss


8/29 workup for the 9/6 calendar EDC
SAME AS LAST TIME----MK: also has estimated Priority IRS( NO returns for 2021 and 2022)
and St Of NJ tax claims- Priority for a deficiency claim for 312,983.29 not feasible at all

1. Objection filed by Pro-Cap 8 LLC (Shannon Burrini) - plan does not provide for payment for priority post petition taxes and is not feasible. (UNRESOLVED)

2. Trustee's objection:
- A copy of the last filed tax return - 2022 . (NOT RECEIVED)
- Amended J has excess expenses:$750/month for home maintenance (modified plan surrenders property) $2,250/month for utilities $1,000/month for food for two $400/month for personal care $850/month for transportation (both debtor and spouse are retired) $2,000/month for non filing spouse expenses
- need proof 10 days before confirmation (PROOF OF EXPENSES NOT RECEIVED)


-----------------------
RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of pension income - . Proof provided does not have pay dates. (RECEIVED)
- Amendments to Schedules J which is blank. (AMENDED 7/14/23)
- Need to file Pre-Confirmation Certification. (FILED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan. (LANGUAGE ADDED)

Modified plan before confirmation proposes: $500 x 60 beginning 5/1/2023, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
1289/6/2023 10:00 am23-12916 / CMGTHOMAS G. EGNERConfirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 6 required payments   Arrears: $831.00  Total Paid In: $7,789.00
ISSUES AS OF 8/23/2023 (DM): Updated 9/1/23

***TRUSTEE RECOMMENDS CONFIRMATION AT $3,619.46 PTD, THEN $2,500 x 39 STARTING 9/1/23, 100% PLAN, TRUSTEE IS AUTHORIZED TO PAY $1,239.23 LEASE ARREARS POC (23-1) TO ALLY BANK***

1) Ally Bank filed $1,239.23 arrears claim on 2017 Dodge Durango lease not treated in the plan (IS THIS LEASE REJECTED?? - Okay to pay arrears)

2) Trustee OBJ:
- Disposable income per Sch I & J is over $8,000. Plan proposes to only pay $500 per month (NEED $1,744 x 56 TO PAY 100%).

***RESOLVED ISSUES***

A) NJHMFA (Pluese Becker) OBJs - Debtor has sufficient income to file a cure plan rather than a Loan Mod plan. Disposable income is $8,354 per month (MP CURES ARREARS PER POC).

B) Regional Acceptance filed $1,026.24 arrears claim on 2016 BMW 528i not treated in the plan (MP PAYS).

C) The attorney fees in the plan ($4,130) and the disclosure statement ($4,750) do not agree. One of these must be amended. (DISCLOSURE AMENDED - PAY $4,130)

D) Trustee OBJ:
- There is $7,758 equity in real property (MOOT BASED UPON FILED CLAIMS).
- Need to file Pre-Confirmation Certification (FILED).
- Need 2022 tax return (RECEIVED).
- Need to address estimated tax claims for State of NJ and IRS (CLAIMS AMENDED).
- Need homeowner's insurance renewal declaration with personal liability coverage (RECEIVED).


Prop. Plan $650 x 3, $1,669.46 x 57, 100% Plan
- Loan Mod by 11/15/23
PTD 4/4 = $3,619.46
Last Claim (5-3)
Matter ResolvedRequest
Adjourment
1309/6/2023 10:00 am23-12926 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
10/18/2023 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $2,850.00  
mk: per AR adj to 10/18 if no POC by SBA by 10/4 debtor needs to file POC by 10/11

AS OF 8/30/23 (SF) Updated

RECOMMEND $11,400 PTD, $4084 X 56 (BEGIN 9/1/23) 100% PLAN W/MIN $119,138 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE

The plan requires 100%

Trustee objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$2,000/month SBA loan (need proof/statement) Need proof of expense 10 days prior to confirmation. (NONE PROVIDED AND NO CLAIM FILED YET)

- Verified income leaves monthly disposable income of $5,277.37.

- There is between $105,000 and $250,000 in non exempt equity in the residence. The recent price comparisons show a value of approximately $665,000. (THERE IN NONEXEMPT EQUITY OF $96,627.47 RESIDENCE AND $22,511.41 IN TIME SHARE FOR TOTAL OF $119,138

- The debtors need to add the Curacao timeshare and provide value (SCHEDULES AMENDED BUT NO CMA PROVIDED)


Plan proposes $2850 x 60 Base
Payments: 3/4 ARREARS: $2850

RESOLVED ISSUES:
- Need a copy of the homeowner's insurance renewal declaration - prior to confirmation. Policy expires 5/23/2023. (RECEIVED)
- Need to resolve the estimated claim filed by the IRS. (AMENDED)
- The attorney's fees in the plan ($2,849) and the disclosure statement ($4,750) do not agree.
One of these must be amended. (STILL NEED)
- Need a copy of the last filed tax return - 2022 by 5/31/2023. (RECEIVED)

Matter ResolvedRequest
Adjourment
1319/6/2023 10:00 am23-13096 / CMGMichael McLaughlin, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 4 of 6 required payments   Arrears: $0  

9/1/23(mk: atty says will ask CT to Voluntarily dismiss case at conf

AS of 8/28/23(mk):email to attys for status

>>WHAT IS THE STATUS OF SALE?

1. MFR ADJ TO 9/6/23.

2. Objection by Emigrant Sav bank(Pluese):
-plan not in good faith. requesting 9 mos to sell. prop is in terrible condition. No evidence of sale efforts ot value of land alone.

>>Plan does not check off any box in part 5 although 100% is filed in in the not less than box. IRS un secured claim for $503,757.19.
Priority of $10,619. and secured of $97,641.09- will secured be paid at sale?

--ALSO have a priority Claim for NJ $$2,621.39

**PLAN DOES NOT APPEAR TO BE FEASIBLE**

3.TRUSTEE OBJECTION:
-not paying all dispos income -income from Jan to March $14,186.39, there would be $4,728.80 in dispos. income.
-There is estimated non-exempt equity in real property $138,822. (pending claims filed), non-exempt equity in 2000
BMW $3,050, Jewelry $625, Cash $200 and Affinity FCU
acct#7502 $5,697.19.
- need some valuation for business Viron Consulting LLC
- Add to confirming order non-exempt proceeds from sale of real
property to Trustee.
- MP to treat unsecured creditors in apart 5
- Must file Pre-confirmation certificate.

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

- ESTIMATED PRIORITY TAX CLAIMS FOR IRS AND ST. OF NJ. there is a fixed secure claim of 97,641.09 for the IRS >> APOC FILED

-NEED homeowner's insurance renewal declaration - with personal liability coverage.(Provided)

Plan:$250 x 36 begin 5/1/23; ? and Sale of South Finley Ave by 1/31/24
4/4 payments
Matter ResolvedRequest
Adjourment
1329/6/2023 10:00 am23-13752 / CMGJose R. Torres Confirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 5 required payments   Arrears: $850.00  Total Paid In: $3,400.00
AS OF 8/22/23 (SF)


RECOMMEND $850 X 6 (BEGIN 6/1/23); $1850 X 54 (BEGIN 12/1/23) 100% PLAN W/MIN DIV OF $5,267 TO GUCS DUE TO NONEXEMPT EQUITY

Plan proposes $850 x 6, $1850 x 54 100%
Plan has run 3 months with 57 months remaining
Matter ResolvedRequest
Adjourment
1339/6/2023 10:00 am23-13788 / CMGRobert B Davis Confirmation Hearing on Modified PlanDismissedDebtor has made 4 of 5 required payments   Arrears: $0  

TR REC DISMISSAL

AS OF 8/28/23 (SF) PLAN IS NOT FEASIBLE

1. The proposed plan does not pay non-exempt equity to general unsecured creditors and there is negative income.

2. Need status of loan mod

3. Objection filed by Berkshire Bank (Caitlin Conklin) - failure to provide for adequate protection payments outside the plan and failure to propose to pay judgment amount of $114,189.65. Also plan is not feasible due to negative disposable income.

4. Motion for Relief by Berkshire Bank scheduled for 9/6/23 at 9 (No opposition)

5. Trustee objection:

- The debtor has insufficient income income verifies lower than amount scheduled. negative disposable income $ -1,419.26.

- need amended atty disclosure for flat fee of $4750 (AMENDED BUT STILL INCORRECT. DOES NOT STATE AMOUNT DUE)

- There is Non-exempt equity $46,992.88 in house -PLAN PROPOSES 100%


Plan proposes $300 x 60 Base Loan Mod by 10/31/23
Payments: 3/3


RESOLVED ISSUES:

- Need a copy of the last filed tax return - 2022 taxes (RECEIVED - $5127 REFUND)

-Need to file Pre Confirmation Certification with Court (FILED)
Matter ResolvedRequest
Adjourment
1349/6/2023 10:00 am23-13941 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $1,500.00
PUT ON RECORD

updated 9/6/2023 (JMA)

ok to confirm at $300x60 begin 6/1/2023 with sale of Isabella Drive property on or by 11/30/2023 100% plan

see mk notes - can this be worked

issues as of 8/24/2023 (JMA)

1) Wilmington Savings Fund Society FSB/Finance of America Structured Securities Acquisition Trust (McCabe Weisberg) objection to confirmation - need to resolve
-anticipated arrears $38,458.41.>> mk'debtor does not object to arrears - only thing to resolve is date of sale- Tr to pay pending sale- resolved sale by nov 30th

2) Trustee objection to confirmation - need to resolve
- Need to provide Trustee with a copy of the last filed tax return - 2022 missing page with refund amount - RESOLVED, PROVIDED
- Santander bank statement for checking and savings showing name of account holder and account # - RESOLVED, PROVIDED
- Need copy of will for debtor's inheritance of property at 147B Farrington Court. Is anyone living in this property now? Need to provide copy of Will, Deed to property, mortgage information and Current Market Analysis. This property is not listed in plan or schedules.
RESOLVED - FIRST PAGE OF WILL PROVIDED
SENT REQUEST TO ATTY FOR EXECUTED 2ND PAGE, DOCUMENT PROVIDED WAS UNSIGNED/NOT WITNESSED
RESOLVED - DEED PROVIDED
DID NOT PROVIDE MORTGAGE INFORMATION
IS ANYONE LIVING IN THIS PROPERTY?
- Wilmington Savings Fund Society FSB (McCabe Weisberg) objection to confirmation - need to resolve

proposed plan $300x60 begin 6/1/2023 sale by 6/1/2024 100% plan
paid in $900
last claim 6
Matter ResolvedRequest
Adjourment
1359/6/2023 10:00 am23-13942 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $1,236.00  Total Paid In: $4,325.00
As of 9/6/23 (DS): If objection resolved with creditor to pay POC arrears $52,523.52, need to confirm at $4,325 paid, $1,236 x 56 begin 10/1/23; 100% with a minimum dividend $158,917.33 to gucs, due to non-exempt equity and within 7 days must file Pre-confirmation certificate

1. Trustee obj to the following:
- There is non-exempt equity in real property $146,952.33 and $11,965 in bank acct total $158,917.33.
- Must file Pre-confirmation certificate.

2. Rushmore (FRIEDMAN VARTOLO) obj to arrears more, POC filed. Must resolve creditor objection.

Prop Plan $865 x 60; 100%
Matter ResolvedRequest
Adjourment
1369/6/2023 10:00 am23-14134 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledContinued
10/18/2023 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $700.00  
AS OF 8/18/2023 (at):

1. 341 has been scheduled for 9/28/23.
2. Payments: 2/3, arrears $350

MOTION FOR STAY RELIEF BY LANDLORD IS SCHEDULED FOR 9/6/23.
Matter ResolvedRequest
Adjourment
1379/6/2023 10:00 am23-14135 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 2 of 5 required payments   Arrears: $2,668.00  
As of 9/5/23 (DS): 1. MOTION TO ALLOW LATE FILED CLAIM SCHED 10/4/23. MUST SUBMIT CONFIRMATION ADJOURNMENT REQUEST TO DATE OF MOTION.

2. Trustee obj to the following:
- Need updated auto insurance (insurance expired 8/26/23). AUTO INSURANCE PROVIDED 9/1/23.
- Need to add to confirming order Trustee standard order of distribution.
- Must file Pre-confirmation certificate. FILED 8/31/23

3. Bar date has passed and no claim was filed by Landlord. Trustee cannot work up case without POC filed and will need motion as well to allow late filed claim, if filed. LATE CLAIM FILED BY DEBTOR ATTY 9/1/23 AND MOTION TO ALLOW LATE FILED CLAIM IS SCHED 10/4/23.

Prop Plan $861 x 60 begin 6/2023; $0
Note: There is disposable income, but part income is contribution from parent assisting.
Matter ResolvedRequest
Adjourment
1389/6/2023 10:00 am23-14152 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $200.00  
issues as of 8/24/2023 (JMA)

1) Trustee objection to confirmation - need to resolve
- Need to resolve the bifurcated claim filed by Santander Consumer.

proposed plan $200x60 base plan
paid in $400
arrears $200
last claim 7

----------------Resolved-----------
- Need a statement for the Robinhood account( Provided).
- Need to file Pre-Confirmation Certification.(Filed)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,807.00 when determining disposable income.(ADDED IN TO INCOME)

Matter ResolvedRequest
Adjourment
1399/6/2023 10:00 am23-14162 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 5 required payments   Arrears: $1,026.00  Total Paid In: $1,950.00
AS OF 9/6/23 (at):

RECOMMEND: $1,300 PAID TO DATE, $1,676 X 56 BEGINNING 10/1/2023, BASE WITH A MINIMUM OF $80,990 TO UNSECURED CREDITORS
Preserve non exempt equity of $80,990 in real and personal property


Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Need April and May bank statements showing transactions for all 6 Wells Fargo bank accounts. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$420/month for cable/internet/phone
$550/month for food
$500/month for transportation
$250/month for entertainment
Need proof of excessive expenses 10 days prior to confirmation.

RESOLVED ISSUES:
- Certification regarding disposition of gambling winnings with verification id support
WIN / LOSS STATEMENTS FRO 2022 AND 2023 YEAR TO DATE (RECEIVED - LOSSES FOR BOTH YEARS)
- A copy of the homeowner's insurance renewal declaration (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $10,360 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $70,630 in non exempt equity in the Wells Fargo bank accounts. (LANGUAGE ADDED)

Plan proposes: $325 x 60 beginning 6/1/2023, $13,000 to unsecured creditors
Payments: 4/4
Matter ResolvedRequest
Adjourment
1409/6/2023 10:00 am23-14191 / CMGAndrew B. Finberg, Esq.Confirmation Hearing ScheduledContinued
10/18/2023 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $3,300.00  
issues as of 8/23/2023 (JMA) Debtor obtaining new counsel and requires more time to resolve objections

1) Santander Consumer USA/Chrysler Capital (Morton & Craig) objection to confirmation and objection to cram, need to resolve THIS IS A 100% PLAN, WHY CRAM THE CAR?

2) New Rez LLC/Shellpoint Mortgage Servicing (Pincus Law Group) objection to confirmation - need to resolve

-estimated pre-petition arrears $117,764.65
3) Finwise Bank filed secured claim 3 for upright freezer claim amount $328.43 - need to either pay claim through plan or move against it

4) Trustee objection to confirmation - need to resolve
- must resolve creditor objections by New Rez and Santander.
- must file pre conf cert.
- student loans outside

proposed plan $1,650x60 begin 6/1/2023 with loan od by 12/31/2023 100% plan and student loans outside plan
paid in $3,300
arrears $1,650
last claim 5
Matter ResolvedRequest
Adjourment
1419/6/2023 10:00 am23-14214 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledContinued
9/20/2023 10:00 am
Debtor has made 1 of 5 required payments   Arrears: $6,000.00  
As of 8/18/23 (DS):

1. Debtor in arrears $3,000 made 1 out of 3 payments soon 4 payments.

2. Trustee obj to the following:
- Need current market analysis and Deed for 85 Pennington Ave and 2022 tax return.
- Must amend Schedule A and C to add real property 320 N. Willow St.
- Excessive expenses on Sched J: $700 Car payment (verifies $736.75 and per POC Debtor is in arrears) and $230 Car insurance (verifies $94.75 monthly). May be moot since plan pays 100%.
- Tax refund $4,603 failed to be on Sched I. Pending 2022 tax return.
- Need Trustee standard order of distribution.
- Must resolve creditors objections.

3. Consumer Portfolio filed arrears claim for $1,429.78 (2 months in arrears). Plan has outside.

4. City of Trenton did not file arrears claims in plan for $35,000 and $25,000 (unknown which property, Schedules and Plan do not give this info), bar date has passed.

5. City of Trenton - Both properties (GOLDENBERG MACKLER) objection to confirmation, POC filed $26,716.

6. Trenton Master LLC (LAMB MCERLANE) obj tax sale certificates $50,504.97 as of the time of filing. POC FILED $82,247.88, PLAN HAS $4,600.

7. Debtor filed Adv Proceeding against Trenton Master as defendants.

8. Trenton Water Works/City of Trenton filed water/sewer claim $4,232.74, not in plan, but plan did have Trenton Master with amount $4,600, but claim was filed $82,247.88. Definitely not amount listed in plan.

9. Must file Pre-confirmation certificate.

Prop Plan $1,500 x 60 begin 6/1/23; 100%
Matter ResolvedRequest
Adjourment
1429/6/2023 10:00 am23-14240 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $1,200.00  
AS OF 8/28/23 (at):

1. Objection filed by Rahmani Bacha (Andrew Karcich) - Note was due in full on 2/28/20 for $27,300. Failure to pay and plan is not feasible. (UNRESOLVED)

2. Trustee's objection:
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 45,960 equity in real property. (THERE IS $61,922 IN NON EXEMPT EQUITY IN THE PROPERTY - BACHA FILED AN UNSECURED CLAIM)
- Need cert from debtor as to the two liens on real property by Burlington City. (INFORMATION RECEIVED - ONE LIEN FILED A CLAIM THE OTHER WAS CANCELLED)

Plan proposes: $600 x 36 beginning 6/1/2023, sale by 4/30/2024, (once the POC's are filed, then an MP will be
filed to factor the dollar amount for GUC's; see Part 1E about non-exempt equity)
Payments: 1/3, arrears $1,800
Matter ResolvedRequest
Adjourment
1439/6/2023 10:00 am23-14278 / CMGJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 4 of 5 required payments   Arrears: $0  

8/29 Workup for the 9/6 calendar
SAME AS LAST TIME


1. CrossCountry Mortgage filed arrears claim $179.09. Trustee ok to pay? MK YES PAY

BELOW ISSUES STILL REMAIN UNRESOLVED, PLAN PROPOSE 100%.

1. Trustee obj to the following:
--homeowner insurance for Colombia property (is in Spanish and needs to be translated).
-- Amend Bankruptcy Petition to add Ramirez as an alias last name.
-- Amend Schedule I for Debtor's new job at SESI Consulting Engineers and add rental income generated from South American property and provide proof of rental income and pay stubs from new job. RENTAL LEASE FOR COLOMBIA IS IN SPANISH
- Must file Pre-confirmation certificate.

Prop Plan $2,100 x 60 begin 6/1/23; 100%
Note: Update auto insurance provided 7/12/23.

----------------------
RESOLVED
- Need 2 months proof of income from non-filing spouse for April and May (only received 6/9/23 date paid) (only received pay stub for 3/31/23 and now 6/9/23) OK 100%
- Amendment to Schedules B and C to add Chase Bank checking acct#5526 and Charles Schwab acct#0696. OK 100%
- 22c has disposable income, plan pays 100%.
Matter ResolvedRequest
Adjourment
1449/6/2023 10:00 am23-14365 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $200.00  Total Paid In: $800.00
AS OF 8/18/2023 (at):

RECOMMEND: $200 x 60 BEGINNING 6/1/2023, 100% PLAN
Low base pending refinance.
Need 2022 tax return within 30 days of confirmation.
Preserve non exempt equity of $116,254 in real estate.

1. Objection filed by Wells Fargo Bank (Brock & Scott) - failure to cure arrears of $780.86 or make regular payments pending refinance.
(CO submitted 7/3 resolving obj. to conf by Wells Fargo Bank. Terms = Debtor to cure pre pet arrears of $780.86 via a refinance of the property by 6/1/24. regular monthly payments directly to creditor while refi is pending.)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - for 2022. (NOT RECEIVED)

RESOLVED ISSUES:
The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in real property $116,254.69. (LANGUAGE ADDED)

Plan proposes: $200 x 60 beginning 6/1/2023, refinance by 6/1/2024, 100% plan
Payments: 2/3, arrears $200



Matter ResolvedRequest
Adjourment
1459/6/2023 10:00 am23-14650 / CMGRobert Manchel, Esq.Confirmation Hearing ScheduledContinued
11/15/2023 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $6,300.00  
As of 9/5/23 (DS): Debtor attorney requested adjournment to resolve all issues.

As of 8/29/23 (DS): 1. MFR filed by mortgage Debtor in arrears of post-petition since 6/1/23, arrears estimated $11,980.97, which includes atty fees. Sched 9/20/23. Need outcome and terms on order to finalize workup, since case will be 100% to gucs.

2. Must file Pre-confirmation certificate.

As of 7/28/23 (DS): Debtor attorney requested adjournment to pass bar date.

8/2/23 (DS): 1. Trustee obj to the following:
- 22c Line 45 has disposable income $4,199.49 minus $1,014.25 IRS minus $239.15 mortgage minus $152.92 State of NJ priority/secured total $2,793.17, which requires min. dividend $167,590.20 to gucs or 100%. TOTAL GUCS $100,914.77.
- Disposable income verifies $5,607.
- Current plan does not propose to pay IRS secured portion of claim $53,370.85.
- Must file Pre-confirmation certificate.

Prop Plan $3,150 x 60 begin 6/1/23; Base and Loan mod on Wendover Rd by 11/15/23
Note: There is no equity on assets due to IRS claim. Amended Sched A/B and C filed, removes d(1) exemption on real property so that d(5) can be used fully.
Matter ResolvedRequest
Adjourment
1469/6/2023 10:00 am23-14651 / CMGChristopher G. Cassie, Esq.Confirmation Hearing ScheduledContinued
10/18/2023 10:00 am
Debtor has made 2 of 5 required payments   Arrears: $6,525.00  
issues as of 8/23/2023 (JMA)

1) Princeton Federal Credit Union (Saldutti Law) objection to confirmation - need to resolve
-plan does not provide for repayment of arrears

2) Trustee objection to confirmation - need to resolve
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): 22c has disposable income, plan pays 100%.
- 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 estimated non-exempt equity in real property $2,177.28 and non-exempt equity in Bank of America acct $1,260.97.
- Princeton filed arrears claim $40,501.27, listed in Plan as outside and unaffected.
- Must resolve creditor objection.
- Must file Pre-confirmation certificate - RESOLVED, FILED

proposed plan $2175x36 begin 6/1/2023 100% plan
paid in $4,350
arrears $2,175
last claim 4
Matter ResolvedRequest
Adjourment
1479/6/2023 10:00 am23-14805 / CMGPeter J. Broege, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 5 of 4 required payments   Arrears: $0  

mk: PLAN W/D AND MP IN 14 DAYS

Matter ResolvedRequest
Adjourment
1489/6/2023 10:00 am23-14836 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 2 of 4 required payments   Arrears: $1,592.00  
AS OF 9/5/2023 (at):

DEBTOR HAS MADE LESS THAN ONE OF THREE TRUSTEE PAYMENTS.

1. Tree Haven Apartments filed a bifurcated claim #1 which needs to be resolved.

2. Objection filed by Tree Haven Apartments (Kromer Law Firm) - failure to cure full rent arrears of $5,347.50. Debtor is not proposing a prompt cure. (UNRESOLVED)

3. Objection filed by Nissan Motor Acceptance (Stewart Legal) - creditor wants $25,176.38 at 10.25% over the life of the plan. (RESOLVED - CREDITOR TO BE PAID $25,176.38 @10.25% INTEREST FOR A TOTAL PAYOUT OF $32,282)

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Need Capital One bank statement for 5/31/2023 (NOT RECEIVED)
- The proof of income provided is much less than scheduled. The debtor needs to provide updated income to help show the case is feasible. (NOT RECEIVED)

RESOLVED ISSUES:
- The plan needs to propose a prompt cure of residential lease arrears. (OBJECTION FILED BY LANDLORD)
- The debtor has failed to provide proof of service with respect to Plan Motion (s). (OK - OBJECTION FILED)

Plan proposes: $732 x 60 beginning 7/1/2023, not less than $0 to unsecured creditors
Payments: less than 1/3, arrears $1,596
Matter ResolvedRequest
Adjourment
1499/6/2023 10:00 am23-14885 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $4,344.00
AS of 8/30/23(mk): updated - email to atty- OK to terms

**CAN REC CONFIRM AT $1,086 x 60 100% W/ Min to GUCS $16,193 Due to Equity in Real Property. Student Loans Outside.
Student Loans outside.
Trustee is authorized to pay Late Claim (#18) filed by Ramtown Manor in the amount of $5,780.30 through the plan.
Strike per plan calm of Evolve Bank.
Strike per plan claim of Township of Howell**

NOTE: Plan will complete early

--------All Resolved---------------
> NO Claim filed by Evolve Bank>PER ATTY STRIKE IT
Plan has tax sale-$1,896.04 @ 18% for a total repayment of $2,889.00- Plan= pay in full
>STRIKE IT OR FILE CLAIM AND MOITON TO ALLOW LATE CLAIM?

Late Claim (#18) filed by Ramtown Manor Assoc. HOW DO YOU WISH TO HANDLE THIS? (per atty PAY LATE CLAIM)

> T'ship of Howell -per plan at $837.63. Gov bar not til 12/4/23( per atty- they have confirmed Howell was pd - STRIKE IT

> Objection by Freedom Mtg( Brock & Scott):
-plan fails to pay correct arrears- ORDER SUBMITTED 8/10 - PAY ARREARS POC $9,460.44
AS OF THIS DATE ABOVE - THE ORDER HAS NOT BEEN ENTERED.

> Trustee Objection:
-There is $16,193.98 non-exempt equity in debtors residential property, OK PLAN
PROPOSES 100% PLAN

Plan:$1086 X 60 BEG 7/2023; 100%STUDENT LOANS OUTSIDE
3/2 payments
Matter ResolvedRequest
Adjourment
1509/6/2023 10:00 am23-14977 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 1 of 4 required payments   Arrears: $600.00  
As of 9/1/23 (DS): Debtor attorney requested adjournment, attorney submitted incorrect form. Must submit confirmation adjournment request form on Trustee website. Also Debtor in arrears $400, made 1 payment out of 3.

341 sched 9/14/23, must submit confirmation adjournment request.
Matter ResolvedRequest
Adjourment
1519/6/2023 10:00 am23-15035 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 4 required payments   Arrears: $900.00  Total Paid In: $1,600.00
AS OF 8/29/2023 (at):

RECOMMEND: $600 PAID TO DATE, $1,000 x 58 BEGINNING 9/1/2023, 100% PLAN
Preserve non exempt equity of $4,060 in real estate.


RESOLVED ISSUES:
Trustee's objection:
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 $4,060 in non exempt equity in the residence. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $300 x 2 beginning 7/1/2023, $1,000 x 58 beginning 9/1/2023, base
Payments: 1/2, arrears $200
Matter ResolvedRequest
Adjourment
1529/6/2023 10:00 am23-15036 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
10/18/2023 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $500.00  
issues as of 8/23/2023 (JMA)

1) Santander Consumer USA Inc (Morton & Craig) objection to confirmation - need to resolve
-wants claim of $16,165.88 paid with 11.25% interest

2) Trustee objection to confirmation - need to resolve
- Amendments to Schedules B & C to add lawsuits( atty says all pro se - will sent info and Mk will review and discuss w/ JMA
- 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 $225,066 in non-exempt equity in the residence. (100% plan)
- Need to resolve objection by Santander Consumer.

proposed plan $500x60 begin 7/1/2023 100% plan
paid in $1,000
last claim 7

Matter ResolvedRequest
Adjourment
1539/6/2023 10:00 am23-15161 / CMGRoger J. Yehl, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $6,535.00  Total Paid In: $18,491.00
AS OF 8/28/2023 (at):

RECOMMEND: $11,956 PAID TO DATE, $6,535 x 58 BEGINNING 9/1/2023, 100% PLAN
Preserve non exempt equity of $28,710 in the time shares.
(BAR DATE HAS PASSED)

Trustee's objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$225/month for home maintenance
$600/month for utilities
$631/month for cable/internet/phone
$741 & $708/month car payments
$242/month timeshare maintenance
Need proof of excessive expenses 10 days prior to confirmation. (PROOF OF EXPENSES NOT RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $10,247.60.
- Per the 22C, monthly disposable income is $14,846 which requires a minimum dividend of
$890,760 to general unsecured creditors.

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- Need valuations for the disney timeshares. (RECEIVED - $33,000)
- A copy of the deed (RECEIVED)
The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $43,500 in non exempt equity in the timeshares. ($28,710 NOW THAT VALUATION RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)
- Need a statement for the co-debtor's PERS Loan. (RECEIVED - LOAN IS PAID OFF IN NOVEMBER, 2024. ADDITIONAL $1,900/MONTH BEGINNING 12/2024)

Plan proposes: $5,978.06 x 60 beginning 7/1/2023, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
1549/6/2023 10:00 am23-15257 / CMGAmy Lynn Bennecoff Ginsburg, Esq.Confirmation Hearing ScheduledContinued
11/1/2023 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $330.00  
Mk will wait to end of Day for proof of insurance and a payment

home insurance provided and proof of payment- needs 341 and

Holding for Proof of Insurance and payment- atty will email


AS OF 9/5/2023 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/3, arrears $990.

7/20/23........341 MEETING ADJ DENIED...............STILL NEED: DR PENSION STMNT, DR CMA,DEED, MTG FORECLOSURE STMTN W/OUTSTANDING PRINCIPAL AMOUNT, AND CUR HOME INSUR FOR 196

MTG POC was filed
Matter ResolvedRequest
Adjourment
1559/6/2023 10:00 am23-15282 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 4 required payments   Arrears: $360.00  Total Paid In: $360.00
AS OF 8/23/2023 (at):

RECOMMEND: $180 X 36 BEGINNING 7/1/2023, SALE BY 11/14/23, BASE
Low base pending sale of residence.
Need to file Pre-Confirmation Certification within 10 days of confirmation.

1. Objection filed by US Bank/Selene Finance (Robertson Anschutz) - failure to cure pre-petition arrears of $102,205.04 (Per Obj - No POC yet). Creditor wants proof of efforts to sell and an appraisal to demonstrate sale price will pay off lien in full.
(MK : Resolved : SALE BY 11/14/23, TR pay arrears pending sale - OTBS BY RAS)

2. Trustee's objection:
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- Certification from atty as to social security number. (RECEIVED)
- The debtor has failed to supply proof of Social Security Number to the Trustee. (RECEIVED CERTIFICATION REGARDING SOCIAL SECURITY NUMBER)
- A copy of the homeowner's insurance renewal declaration - that includes liability coverage. (RECEIVED)
- A copy of the last filed tax return - 2022 prior to confirmation or cert of non filing (CERT OF NON FILING RECEIVED)
The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service on Ocean Medical Center. (CERT OF SERVICE FILED 8/2/2023)
- Need to resolve the estimated claim filed by the IRS. (NO LONGER ESTIMATED)

Plan proposes: $180 x 36 beginning 7/1/2023, sale of residence within 6 months of confirmation, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
1569/6/2023 10:00 am23-15299 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $30.00  
AS of 8/29/23(mk):

mk: Plan is a base div but will need to cover the NE equity of $73,398. Mtg claim filed and arrears higher than plan amt.

1. Objection by New Rez(Pincus):
- plan fails to pay full arrears- plan says LM - not opposed to that but should pay arrears pending LM. Feasibility is an issue.

2. Objection by Calogero Iuccolino( H. Rednor):
- plan fails to include creditor who holds Unsecured(2-1) claim for $83,726.14( personally g'teed Commercial promissory Note.

2. Trustee Objection:
- How is debtor going to afford the second tier
payment of 1,533
- there is $73,398.00 equity in real property.

----Resolved--------
- need May and June bank statements for Fifth
Third Bank account #1000 (per direct
deposits).PROVIDED
- failed to included tax refund in the amount of $1,934 for dispos income( ADDED IN BY TR)


Plan:$665 X 3; $1,533 X 57 BEG 7/2023; LM BY 3/2024 (134 SHENANDOAH BLVD); BASE
2/2 payments
Matter ResolvedRequest
Adjourment
1579/6/2023 10:00 am23-15357 / CMGSTEVEN D PERTUZ, ESQConfirmation Hearing ScheduledContinued
10/18/2023 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $6,800.00  
As of 8/30/23 (DS): Debtor attorney requested adjournment, 341 sched 9/21/23.
Matter ResolvedRequest
Adjourment
1589/6/2023 10:00 am23-15397 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 4 required payments   Arrears: $541.00  Total Paid In: $477.00
AS OF 9/5/2023 (at):

RECOMMEND: $477 PAID TO DATE, $350 X 58 BEGINNING 9/1/2023, BASE WITH A MINIMUM OF $5,000 TO UNSECURED CREDITORS
Student loans will be paid outside of the plan.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - June and July 2023. (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):
- Disposable income verifies $422.

RESOLVED ISSUES:
- Must file Pre-confirmation certificate. (FILED)

Plan proposes: $159 x 60 beginning 7/1/2023, not less than $5,000 to unsecured creditors
Payments: 2/2
Matter ResolvedRequest
Adjourment
1599/6/2023 10:00 am23-15457 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $500.00  
Atty will be late

9/6/23 (sf) Updated - Cannot confirm as the IRS just filed estimated unsecured claim 17-1 (NEED AMENDED CLAIM)


AS OF 8/29/23 (SF)

RECOMMEND $1000 PTD, $516 X 46 (BEGIN 9/1/23) BASE PLAN
- OK TO PAY ARREARS CLAIM 10-1 TO CARVANA
- OK TO PAY ARREARS CLAIM 11-1 TO CARVANA
- ATTY MUST FILE FEE APPLICATION FOR ESTIMATED HOURLY FEES OF $3000 WITHIN 7 DAYS OF ENTERED CONFIRMATION ORDER



1. Carvana filed arrears claim 10-1 for $354 (OK TO PAY?)

2. Carvana filed arrears claim 11-1 for $115 (OK TO PAY?)

Plan proposes $500 x 48 Base
Payments: 2/2

RESOLVED ISSUES:

Trustee objection:
-Need to file Pre-Confirmation Certification with Court (FILED)
Matter ResolvedRequest
Adjourment
1609/6/2023 10:00 am23-15500 / CMGRodney Nelson, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 2 of 4 required payments   Arrears: $0  

issues as of 8/22/2023 (JMA)

1) 341 not held, not rescheduled - missing spouse POI May/June 2023 and spouse tax returns for 2021 and 2022

2) Not current with Trustee plan payments, arrears $164

Matter ResolvedRequest
Adjourment
1619/6/2023 10:00 am23-15507 / CMGAllen I. Gorski, Esq.Confirmation Hearing ScheduledContinued
11/1/2023 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $2,000.00  
AS OF 8/18/2023 (at):

RECOMMEND: $2,000 PAID TO DATE, $1,100 X 58 BEGINNING 9/1/2023, BASE
Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.

RESOLVED ISSUES:
Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Auto insurance for 2021 Kia Seltos. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,184 when determining disposable income. (AVERAGED/ADDED TO INCOME)
The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Fails to serve Jayson Company directly, serves law firm, but law firm has not filed notice of appearance and no proof of claim filed by creditor. (AMENDED CERT OF SERVICE FILED)
- Fails to serve Cavalry Portfolio to the attention of Managing Agent. (AMENDED CERT OF SERVICE FILED)
- Must file fee application 7 days form confirming order. (LANGUAGE ADDED)

Plan proposes: $1,000 x 60 beginning 7/1/2023, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
1629/6/2023 10:00 am23-15521 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
10/18/2023 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $200.00  
341 now on 10/5/23

AS OF 9/5/2023 (at):

1. 341 has not been held or rescheduled.
2. Payments: 2/2
Matter ResolvedRequest
Adjourment
1639/6/2023 10:00 am23-15524 / CMGPaul H. Young, Esq.Confirmation Hearing ScheduledContinued
10/18/2023 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $328.00  
AS OF 09/05/23 Updated

341 not held - Rescheduled to 10/5/23
payments: 2/3 Arrears: $328
Matter ResolvedRequest
Adjourment
1659/6/2023 10:00 am23-15553 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,121.00  
issues as of 8/23/2023 (JMA)

1) Carrington Mortgage Services, LLC/Deutche Bank (Hill Wallack LLP) objection to confirmation - need to resolve
-approximate pre-petition arrears $74,135.66; CLAIM #8 FILED WITH ARREARS IN THE AMOUNT OF $74,443.91

2) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - for 2022.
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Must resolve IRS estimated tax claim.
- Must file Pre-confirmation certificate.
3) IRS priority claim 2 is estimated for 2020 and 2022 taxes - need to resolve
Matter ResolvedRequest
Adjourment
1669/6/2023 10:00 am23-15614 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledContinued
9/20/2023 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $250.00  
AS OF 9/5/2023 (at):

1. 341 has not been held or rescheduled.
2. Payments: less than 1/3, arrears $450
Matter ResolvedRequest
Adjourment
1679/6/2023 10:00 am23-15626 / CMGJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledContinued
9/20/2023 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,272.00  Total Paid In: $4,954.00
Adj to after bar date
Matter ResolvedRequest
Adjourment
1689/6/2023 10:00 am23-15629 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
10/18/2023 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $0  

As of 9/1/23 (DS): Debtor attorney requested adjournment, 341 sched 9/28/23
Matter ResolvedRequest
Adjourment
1699/6/2023 10:00 am23-15701 / CMGMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $450.00  Total Paid In: $900.00
MK: per atty - Ok to confirm- report to CT

AS OF 9/6/23 (at):

RECOMMEND: $450 x 12 BEGINNING 8/1/2023, $1,203 X 48 BEGINNING 8/1/2024, LOAN MODIFICATION BY 11/14/2023, 100% TO UNSECURED CREDITORS
Low base pending loan modification.
Preserve non exempt equity of $141,875 in real and personal property.

1. Objection filed by Home Point Financial (Robertson Anschutz) - failure to cure full arrears of $14,615.32 (Per POC) (RESOLVED - LOAN MOD BY 11/14/23 OR AS EXTENDED, ADEQUATE PROTECTION PAYMENTS OF $1400/MONTH AND TRUSTEE TO PAY TOWARDS PRE-PETITION ARREARS PENDING LOAN MOD)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- 401(k) loan balance statement (NOT RECEIVED)
- Must resolve creditor objection. (RESOLVED)

RESOLVED ISSUES:
- Bank of America savings acct prior to filing date. (OK - 100% PLAN)
The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in real property $140,399, Bank of America checking acct $329.02 and Bank of America savings acct estimated $1,147.05 (pending bank statements). (LANGUAGE ADDED - OK - 100% PLAN)

Plan proposes: $450 x 12 beginning 8/1/2023, $1,000 x 48, loan modification within 6 months of confirmation, 100% plan
Payments: 1/1
Matter ResolvedRequest
Adjourment
1709/6/2023 10:00 am23-15705 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
10/18/2023 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $200.00  
issues as of 8/22/2023 (jma)

1) 341 not held - Rescheduled to 9/21/23
2) Payments: 2/2

3) Need to file Pre-Confirmation Certification with Court
Matter ResolvedRequest
Adjourment
1719/6/2023 10:00 am23-15706 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 3 required payments   Arrears: $0  

AS OF 9/5/2023 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $974

8/23/23......341 MEETING ADJ DENIED.....................8/3/23...................STILL NEED: DR BANK STMNTS 2 MTHS FROM MAY/JUNE 2023(YOURS TOO OLD). DR ADD'L POI 60 DAYS FROM MAY/JUNE 2023(ALSO MUCH TOO OLD)), DR CURR CAR INSUR FOR 1 VEH.
Matter ResolvedRequest
Adjourment
1729/6/2023 10:00 am23-15720 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
10/18/2023 10:00 am
Debtor has made 4 of 3 required payments   Arrears: $0  

AS OF 8/22/23

341 not held - not rescheduled
payments: 2/2

341 now on for 9/18
Matter ResolvedRequest
Adjourment
1739/6/2023 10:00 am23-15721 / CMGBrad J. Sadek, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 2 of 3 required payments   Arrears: $0  

Hold till noon for insurance proof- none provided

AS OF 9/6/23 (SF) UPDATED

DEBTOR ONLY HAS FORCED PLACED INSURANCE

1. Trustee objection:
- A copy of the homeowner's insurance renewal declaration - that includes liability coverage. (CANNOT ADJOURN UNTIL WE RECEIVE INSURANCE)

- Need statements for the Acorn, Robinhood and Coin base accounts. (STILL NEED)

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$500/month for utilities
$480/month for cell phones
$507/month for car insurance
$888 and $630/month car payments
$200/month for pool maintenance
Need proof of excessive expenses 10 days prior to confirmation.

- Need to file Pre-Confirmation Certification.


Plan proposes $440 x 60 Base
Payments: 1/1


RESOLVED ISSUES:

1. Objection filed by Freedom Mortgage (Fissel) - failure to provide for arrears of $22,024.88 (No claim filed yet) (WITHDRAWN)
Matter ResolvedRequest
Adjourment
1749/6/2023 10:00 am23-15724 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $500.00  
AS OF 8/25/2023 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT THE 341 CAN BE CONDUCTED.

1. 341 is scheduled for 9/14/2023.
2. Payments: 1/1
Matter ResolvedRequest
Adjourment
1759/6/2023 10:00 am23-15743 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledContinued
10/18/2023 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,068.00  
AS OF 8/25/2023 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT THE 341 CAN BE HELD.

341 is scheduled for 9/14/2023.
Payments: 1/1
Matter ResolvedRequest
Adjourment
1769/6/2023 10:00 am23-15756 / CMGJeffrey H. Ward, Esq.Confirmation Hearing ScheduledContinued
11/1/2023 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $3,212.00  
As of 8/30/23 (DS): Debtor attorney requested adjournment to file mod plan and resolve obj

As of 8/28/23 (DS): 1. Trustee obj to the following:
- Amended attorney disclosure and plan do not agree. Plan has $0 and attorney disclosure has $1,500. One of these must be amended.
- There is non-exempt equity in 2014 Nissan $388.28 and $532.63 in co-debtor's Capital One bank acct total $920.91.
- 22c has disposable income is $2,652 which requires min. dividend $159,120 to gucs. Also disposable income verifies $3,210 deducting car payment, cable, food and transportation.
- Excessive expenses on Sched J such as: $500 Cable/internet/phone, $1,500 Food for three people, $1,500 Transportation and $415 Car payment (Plan has car to be paid in full balance owed $1,406.65).
- Must file Pre-confirmation certificate.
- Must resolve creditor objection.

2. Legacy/Rushmore (HLADIK, ONORATO & FEDERMAN) obj to arrears owed, POC filed $2,990.78, plan has outside. Obj must be resolved.

Prop Plan $1,553.68 x 60; Base
Matter ResolvedRequest
Adjourment
1779/6/2023 10:00 am23-15764 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
10/18/2023 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

As of 8/17/23 (DS): 341 not held 8/3/23, missing all docs


341 now on 10/5.
Matter ResolvedRequest
Adjourment
1789/6/2023 10:00 am23-15773 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 3 required payments   Arrears: $0  

issues as of 8/21/2023 (JMA)

1) 341 hearing scheduled for 8/24/2023

2) No Trustee plan payments to date, arrears $562
Matter ResolvedRequest
Adjourment
1799/6/2023 10:00 am23-15774 / CMGSCOTT E KAPLAN ESQConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $0  
Total Paid In: $950.00
2nd call for cleint ok

AS OF 9/6/2023 (at):

RECOMMEND: $250 PAID TO DATE, $450 x 34 BEGINNING 10/1/2023, BASE
(business income is higher than scheduled)


1. Objection filed by Freedom Mortgage (Brock & Scott) - failure to cure arrears of $585.03 (1st mortgage) (Per obj - no POC yet). (RESOLVED - CREDITOR TO BE PAID $585.03 THROUGH THE PLAN)

2. Objection filed by Credit Union of New Jersey (McKenna DuPont) - plan is silent as to treatment of this creditor. (2nd mortgage) (RESOLVED- DEBTOR TO REMAIN CURRENT WITH POST PETITION PAYMENTS OUTSIDE OF THE PLAN)CO submitted 9/5(mk)


RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- Need updated proof of insurance for the 2007 Honda and the 2022 Honda. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)

- Bank deposits in Santander account for April are $8152 and for May $6227. This is
substantially higher than income listed/provided. Need explanation w/ Debtor
certification and on anything he sold and what he received. (RECEIVED)
- Need to resolve objection by Freedom Mortgage. (RESOLVED)
- Need to resolve objection by Credit Union of New Jersey. (RESOLVED)

Plan proposes: $250 x 36 beginning 8/1/2023, base
Payments: 1/1
Matter ResolvedRequest
Adjourment
1809/6/2023 10:00 am23-15780 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

8/7/23 (sf) Adj to after bar date
Matter ResolvedRequest
Adjourment
1819/6/2023 10:00 am23-15811 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $450.00
AS OF 8/28/23 (SF)

RECOMMEND $150 X 36 BASE W/MIN $400 TO GUCS PER NONEXEMPT EQUITY IN PERSONAL PROPERTY



Plan proposes $150 x 36 Base
Payments: 1/1

RESOLVED:
Trustee objection:
- There is non-exempt equity in Santander Bank $400.74.
- Must file Pre-confirmation certificate. (FILED)
Matter ResolvedRequest
Adjourment
1829/6/2023 10:00 am23-15821 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $1,500.00  Total Paid In: $2,400.00
AS OF 8/25/2023 (at):

RECOMMEND: $900 PAID TO DATE, $1,500 X 21 BEGINNING 9/1/2023, $2,100 X 38 BEGINNING 6/1/2025, BASE WITH A MINIMUM OF $6,744 TO UNSECURED CREDITORS
Preserve non exempt equity of $6,744.00 in personal property.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
Need statements for the debtor's pension loan and TDA loan. (RECEIVED TDA LOAN STATEMENT ONLY - NEED PENSION LOAN STATEMENT)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$500/month for childcare/education
$850/month for transportation
$505/month for car insurance
$670/month car payment
Need proof of excessive expenses 10 days prior to confirmation. (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 $1,726.01.

RESOLVED ISSUES:
The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $5,750 in non exempt equity in the 2016 Nissan. (LANGUAGE ADDED)
- There is $994 in non exempt equity in the PNC bank account. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)


Plan proposes: $900 x 60 beginning 8/1/2023, base
Payments: 1/1
Matter ResolvedRequest
Adjourment
1839/6/2023 10:00 am23-15822 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,473.00  
As of 9/1/23 (DS): Debtor attorney requested adjournment to allow time to resolve IRS estimated claim

As of 8/17/23 (DS): 1. Trustee obj to the following:
- Need 2022 Tax returns for Debtor only.
- Must resolve IRS estimated tax claim, 2019 - 2022 tax returns not filed.
- Must file Pre-confirmation certificate.

Prop Plan $982 x 60 begin 8/1/23; Base
Note: Service to motions in plan done 8/17/23.
Matter ResolvedRequest
Adjourment
1849/6/2023 10:00 am23-15826 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 3 of 3 required payments   Arrears: $0  

MP w/in 14 days

updated 9/5/2023 (JMA)
issues as of 8/23/2023 (JMA)

1) US Bank (RASC) objection to confirmation - need to resolve
-plan proposes to cure pre-petition arrears vial loan modification, has not been offered or approved

2) Trustee objection to confirmation - need to resolve
- Need updated car insurance prior to confirmation.
- Amendments to Schedules B/C to list values/exemptions for clothing and jewelry. NOT FILED
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $626.99/month for cable/internet/phone
- 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 $15,640 in non-exempt equity in the 2018 Lincoln. There is $22,658 in non-exempt equity in the residence.
- Need to file Pre-Confirmation Certification - NOT FILED
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
- Need July bank statements for the TD and Wells Fargo accounts - NOT PROVIDED

3) Amended Schedule D was filed adding Little Egg Harbor MUA for $807.01 - NEED MODIFIED PLAN TO PAY THROUGH PLAN

4) Ally Financial filed secured claim 4 for the 2018 Lincoln MKX with arrears in the amount of $552.40 - claim is not treated in plan, need to resolve

proposed plan $350x12, $750x48 loan mod 1/31/2024 minimum $33,793 dividend to gucs
paid in $700
last claim 4
Matter ResolvedRequest
Adjourment
1859/6/2023 10:00 am23-15882 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $750.00  
AS OF 8/28/2023 (at):

RECOMMEND: $750 X 55 BEGINNING 8/1/2023, BASE
Need to file Pre-Confirmation Certification within 10 days of confirmation.

Trustee's objection:
- must file pre confirmation certification (NOT FILED)

Plan proposes: $750 x 50 beginning 8/1/2023, base
Payments: .5/1, arrears $400
Matter ResolvedRequest
Adjourment
1869/6/2023 10:00 am23-15944 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledContinued
10/18/2023 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $630.00  
issues as of 8/21/2023 (JMA)

1) 341 not held, not rescheduled - still missing documents - CMA, Deed and mortgage statement

2) No Trustee plan payments to date, arrears $315 (Copy of money order received in the amount of $315)

3) Need to file Pre-Confirmation Certification with Court
Matter ResolvedRequest
Adjourment
1879/6/2023 10:00 am23-15966 / CMGKevin C. Fayette, EsqConfirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $2,435.00  
AS OF 8/30/23 (SF) UPDATED

1. Objection filed by Planet Home Lending (Moyer) - failure to pay arrears of $154,476.25 (No claim filed yet) MUST RESOLVE


Trustee objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of
$1,708.50.



Plan proposes $2435 x 60 Base
Payments: 1/1

RESOLVED ISSUES:
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service on Midland Funding LLC.
- Need to file Pre-Confirmation Certification.
Matter ResolvedRequest
Adjourment
1889/6/2023 10:00 am23-15974 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
10/4/2023 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $798.00  
atty has MO for 1 payment- need to be current on 10/4

AS OF 9/5/2023 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. 341 is scheduled for 9/14/2023.
2. Payments: 0/2, arrears $1,596
Matter ResolvedRequest
Adjourment
1899/6/2023 12:00 pm20-17033 / CMGBruce C. Truesdale, Esq.Motion CompensationRevised Order SubmittedTotal Paid In: $32,631.00
8/23/23: atty filed amended cert and revise order to pay fees outside


mk: atty used outdated form for CERT for flat fees charges
Matter ResolvedRequest
Adjourment
1909/6/2023 12:00 pm21-18412 / CMGMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $11,165.00
Matter ResolvedRequest
Adjourment
1919/6/2023 12:00 pm22-15422 / CMGGeorge E Veitengruber IIIMotion CompensationGrantedTotal Paid In: $4,810.00
Matter ResolvedRequest
Adjourment
1929/6/2023 12:00 pm23-10122 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $9,272.00
Tr objection can be w/d - order is okay

Matter ResolvedRequest
Adjourment
1939/6/2023 12:00 pm23-10413 / CMGJonathan Goldsmith-Cohen, Esq.Motion CompensationWithdrawnTotal Paid In: $6,066.00
Debtor obj (**WITHDRAWN**)<>
Matter ResolvedRequest
Adjourment
1959/6/2023 12:00 pm23-12530 / CMGPaul Evangelista, Esq.Motion CompensationGrantedTotal Paid In: $34,462.00
Matter ResolvedRequest
Adjourment
1969/6/2023 12:00 pm23-12727 / CMGEric J. Clayman, Esq.Motion CompensationWithdrawnTotal Paid In: $1,240.00
Trustee limited obj, old form<>FEE APPLICATION
Matter ResolvedRequest
Adjourment
1979/6/2023 12:00 pm23-14048 / CMGRobert Cameron Legg, Esq.Motion CompensationGrantedTotal Paid In: $2,000.00
Matter ResolvedRequest
Adjourment
1989/6/2023 12:00 pm23-14239 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $1,000.00
Matter ResolvedRequest
Adjourment
1999/6/2023 3:00 pm18-31407 / MBKRobert Cameron Legg, Esq.AP Hearing Rescheduled (Document)Converted to 7 / 11
Matter ResolvedRequest
Adjourment
2069/6/2023 3:00 pm23-14214 / CMGMoshe Rothenberg, Esq.AP Hearing Rescheduled (Document)Judge to Reserve Decision
9/5/23:sent email to Mike T. he will take care of this.
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes