Judge Christine M. Gravelle
Hearing Date: 9/15/2021
Hearing Count: 121
Last Updated: 10-15-2021 07:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
19/15/2021 9:00 am16-11049 / CMGROBERT C NISENSON ESQMotion to Cancel DischargeOrder Previously Submitted
MTN TO CANCEL DISCHARGE LIEN/CITIBANK (DC 00002310); CHASE BANK (DC01497308); M&T MTG

8/11/21: ATTY REVIEWING AND WILL ADVISE OF POSITION.
FILED AMENDED CERT FOR CORRECT BOOK AND PAGE # AND SUBMITTED A REVISED ORDER TO CHAMBERS EMAIL .

MK: for M& T mtg- did not serve creditor at address on the POC

ATTY REPLY: this is for 2nd mtg and the POC was on the first mtg.
can w/d objection? The attachment to the POC#17 has .a doc that has the same mtg book(12015) and page 547.. So is atty saying that the M & T is for the second mtg and no claim was filed for that.
atty office:I drafted amended certification and order. Also, fyi the date of filing was 12-6-2006 and lien was for 57K book 12015 page 564.



Matter ResolvedRequest
Adjourment
29/15/2021 9:00 am16-13293 / CMGSCOTT E KAPLAN ESQMotion Relief from Stay (Fee)Continued
10/6/2021 9:00 am
Total Paid In: $36,030.00
Debtor obj<>WELLS FARGO /Ginia t(LOGS LEGAL GROUP)

9/14/21: CO was submitted on this today but it had previously been adjourned to 10/6/21
Matter ResolvedRequest
Adjourment
39/15/2021 9:00 am16-34303 / CMGEric ClaymanCreditor Certification of DefaultContinued
10/6/2021 9:00 am
Total Paid In: $27,444.00
Debtor obj<> MAIDEN WOODS CONDO (McGovern)

adj to 10/6/21
Matter ResolvedRequest
Adjourment
49/15/2021 9:00 am17-10434 / CMGRUTH ANN DIDONATOCreditor Certification of DefaultOrder to be SubmittedTotal Paid In: $65,512.00
Debtor obj<> NATIONSTAR/Fleetwood Place(RAS)

Resolution Details:
90 day cure outside of Plan - OTBS
Matter ResolvedRequest
Adjourment
59/15/2021 9:00 am17-12558 / CMGROBERT C NISENSON ESQMotion to Approve Loan ModificationOrder Previously SubmittedTotal Paid In: $17,505.00
Trustee obj<>MTN TO APPROVE LM

>REVISED ORDER SUBMITTED 8/31/21
Matter ResolvedRequest
Adjourment
69/15/2021 9:00 am17-15172 / CMGEric ClaymanMotion Relief from Stay (Fee)Continued
10/6/2021 9:00 am
Total Paid In: $18,646.00
8/17/21(mk): creditor atty away- both parties agree to adj to 9/15/21 and again to 10/6 due to holiday

Per CMG adj to 8/18/21 at 9:00am



AR CAR NOTE ADJ TO 3-3 BY CMG
CONDO OWED 4 K DEBTOR ASSERTS PAID
SOME PROPOSES TERMS
Debtor obj<>THE COLONY AT MILL HILL CONDO (SCOTT KAPLAN)
Matter ResolvedRequest
Adjourment
79/15/2021 9:00 am17-23076 / CMGROBERT C NISENSON ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/3/2021 9:00 am
Total Paid In: $10,600.00
9/8/21(mk): Any update on this?Atty checking w/ mercer cty Sherriff as to statis of foreclosure. The deed has NOT been transfered. deal was ex spouse pays the 35,00 then debtor will sign deed.

Debtor obj, working to resolve, needs more time<>FAILED TO TURN OVER N/E PROCEEDS TO TRUSTEE BY 3/31/18 FROM DEBTOR'S $35,000 PPTY SETTLEMNT AGREEMENT

mk: docket #65 is letter from matrimonial atty that ex spouse continues his failure to abide by Ct Orders
Matter ResolvedRequest
Adjourment
89/15/2021 9:00 am17-24478 / CMGSTEVEN J ABELSON, ESQMotion CompelContinued
10/6/2021 9:00 am
Total Paid In: $35,410.00
MTN TO ENFORCE STAY/WLMINGTON & VACATE 7/8/21 NTC OF PYMT CHANGE

MK: request to adj to 10/6/21 to resolve
Matter ResolvedRequest
Adjourment
99/15/2021 9:00 am17-32024 / CMGHERBERT B RAYMOND ESQCreditor Certification of DefaultContinued
10/20/2021 9:00 am
Total Paid In: $19,594.00
Debtor obj<> NATIONSTAR/Eastern Parkway (RAS)
Matter ResolvedRequest
Adjourment
109/15/2021 9:00 am18-13226 / CMGDANIEL L. REINGANUMTrustee Certification of DefaultContinued
11/3/2021 9:00 am
Total Paid In: $57,721.00
Debtor obj, filing MP> ARREARS 9,759.50 Last pay 6/18/21
Matter ResolvedRequest
Adjourment
119/15/2021 9:00 am18-17371 / CMGRobert Manchel, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $28,635.00
Debtor obj<>PNC BANK /Dixmont Ave (FEIN, SUCH)

9/9/21: Status Change SETTLED

9/10/21: Order submitted.
Matter ResolvedRequest
Adjourment
129/15/2021 9:00 am18-17886 / CMGJohn Michael McDonnell Motion Motion (Generic) - Only use if no other event is applicableContinued
10/20/2021 9:00 am
Total Paid In: $26,570.00

ADJ FOR NOS .

NOS FILED obj deadline 9/29/21


MTN TO ALLOW CaSE TO CLOSE EARLY
Matter ResolvedRequest
Adjourment
139/15/2021 9:00 am18-19987 / CMGMark Kriegel Motion for Relief from StayContinued
10/20/2021 9:00 am
Total Paid In: $12,025.00
Debtor obj<>WELLS FARGO BANK/2016 Jeep Compass (LOGS LEGAL)

CO submitted on 9/14/21
Matter ResolvedRequest
Adjourment
149/15/2021 9:00 am18-24334 / CMGRUSSELL L LOW, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/20/2021 9:00 am
Total Paid In: $9,150.00
AMT: MP 9/15<>ISSUES/NEEDS RESOLUTION>>

Debtor obj, filing MP<>ARREARS

Matter ResolvedRequest
Adjourment
159/15/2021 9:00 am18-26153 / CMGAllen I. Gorski, Esq.Motion Requesting RedactionGrantedTotal Paid In: $49,600.00
Matter ResolvedRequest
Adjourment
169/15/2021 9:00 am18-26153 / CMGAllen I. Gorski, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $49,600.00
Debtor obj<>NATIONSTAR MTG (LOGS LEGAL)


mk: CO submitted 9/10/21

Matter ResolvedRequest
Adjourment
179/15/2021 9:00 am18-27031 / CMGDaniel Straffi, Esq.Motion Relief from Stay (Fee)Continued
10/20/2021 9:00 am
Total Paid In: $31,905.00
Debtor obj<>CENLAR/Dunbarton Rd (STERN LAVINTHAL)
Matter ResolvedRequest
Adjourment
189/15/2021 9:00 am18-27158 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $12,599.00
ONEMAIN FINANCIAL GROUP/ (OLIVER & LEGG)
Matter ResolvedRequest
Adjourment
199/15/2021 9:00 am18-27668 / CMGStephen M. Zullo Motion Relief from Stay (Fee)GrantedTotal Paid In: $16,770.00
NISSAN MOTOR / 2018 Sentra(STEWART LEGAL)
Matter ResolvedRequest
Adjourment
209/15/2021 9:00 am18-29947 / CMGNICHOLAS FITZGERALD, ESQTrustee Certification of DefaultContinued
10/20/2021 9:00 am
Total Paid In: $17,509.00
9/8/21(mk): payment of 860 was made 8/23. ARREARS AS OF NOW $4,458.



Debtor obj, can pay $2861 by end of Aug<> ARREARS $4,457 as of 8/10/21.

Matter ResolvedRequest
Adjourment
219/15/2021 9:00 am18-32714 / CMGKevin Fayette, EsqTrustee Certification of DefaultContinued
10/20/2021 9:00 am
Total Paid In: $39,000.00
mk: adj for debtro to receive funds form 401(k)loan and for lump sum unemployemnt

9/9/21(mk): SAME AS BELOW. Arrears now $8,050 and last pay was 3/18/21.


Debtor obj, can make pymt in 2 week and requests recap<> ARREARS 5,750 last pay 3/18/21
Matter ResolvedRequest
Adjourment
229/15/2021 9:00 am18-34987 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $9,818.00
Debtor obj<>NATIONSTAR MTG /Marlin Rd (McCALLA RAYMER)

mk: working on settlement

CERT OF CONSENT WAS FILED 8/24/21. DID NOT SEE ORDER?
Matter ResolvedRequest
Adjourment
239/15/2021 9:00 am19-14618 / CMGE. Carlton KromerMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $10,736.00
US BANK NAT'L ASSOC /Frontier Way (McCALLA RAYMER)

MP: Covid extend on 10/6/21

Co sent to chambers 8/26/21
Matter ResolvedRequest
Adjourment
249/15/2021 9:00 am19-16691 / CMGBRIAN L HOFFMAN, ESQMotion Relief from Co-Debtor StayContinued
10/6/2021 9:00 am
Total Paid In: $44,054.00
BOA Huntington Dr. (MILSTEAD)
Matter ResolvedRequest
Adjourment
259/15/2021 9:00 am19-16883 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $30,873.00
SV Wells Fargo and Arrears $7885
Matter ResolvedRequest
Adjourment
269/15/2021 9:00 am19-17960 / CMGSTEPHANIE RITIGSTEINCreditor Certification of DefaultContinued
10/6/2021 9:00 am
Total Paid In: $18,836.00
Debtor obj<> CARRINGTON MTG/Hempstead Rd (Hill Wallack)
Matter ResolvedRequest
Adjourment
279/15/2021 9:00 am19-20123 / CMGEdward Hanratty, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Converted to 7 / 11
NOTICE OF VOL CONVERSION FILED


ARREARS $4,928 as Of 9/8/21
Matter ResolvedRequest
Adjourment
289/15/2021 9:00 am19-21323 / CMGAlan G. Cosner Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/20/2021 9:00 am
Total Paid In: $13,606.00
MP filed 9/9/21. still 100% will complete in 33 mos and lowers payment due to loss of income

amt: IRS APOC #1-2 FILED; ATTY MAY FILE MP; PPSD RECAP - $12,704.30 PTD (26); $940 X 34 BEG 9/1/21 (EMAIL TO ATTY)<<<>>>


ARREARS. NEEDS TO RESOLE IRS #1-1 DEBTOR STATES WAS IF OUTSIDE PLAN
Matter ResolvedRequest
Adjourment
299/15/2021 9:00 am19-22119 / CMGSTEVEN N. TAIEB, ESQ.Trustee Certification of DefaultTrustee OrderTotal Paid In: $18,930.00
9/13/21:mk; Atty OK to terms

AMT: PPSD RECAP - $2,000 BY 9/15; $16,930 PTD (26); $1,600 X 58 BEG 9/1/21; REGISTER FOR TFS W/I 30 DAYS (email to atty; also recap corrects MP length from 85 to 84 mo)<<<>>>


Debtor obj, can pay $2,000 by 9/9 & register for TFS<> ARREARS
Matter ResolvedRequest
Adjourment
309/15/2021 9:00 am19-22958 / CMGJohn O'Boyle Motion Relief from Stay (Fee)Continued
10/6/2021 9:00 am
Total Paid In: $24,649.00
debtro opp'n.>MIDFIRST BANK (KML)
Matter ResolvedRequest
Adjourment
319/15/2021 9:00 am19-22958 / CMGJohn O'Boyle Motion to Approve Loan ModificationContinued
10/6/2021 9:00 am
Total Paid In: $24,649.00
Trustee obj<> MTN TO APPROVE LM

MFR adj. to 10/6/21

MK: needs correct mandatory form of LM Order
Matter ResolvedRequest
Adjourment
329/15/2021 9:00 am19-23005 / CMGJOHN F. BRACAGLIA, JR, ESQ.Motion Relief from Co-Debtor StayWithdrawnTotal Paid In: $21,082.00
AMERIHOME MTG/Arnold Ave (KML)

>>Debtor opp'n: returned signed LM by overnight mail & thru portal and made all payments
Matter ResolvedRequest
Adjourment
339/15/2021 9:00 am19-25109 / CMGWilliam H. Oliver, Jr., Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $24,924.00
MTN TO EXPUNGE CLM #10

mk :creditor(Greenbriar Oceannaire Community Assoc'n) has another poc #13. That claim amt is correct.
Matter ResolvedRequest
Adjourment
349/15/2021 9:00 am19-27190 / CMGMark Kriegel Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $29,461.00
Debtor obj, filing MP<>ARREARS(15,960)

MK: MP FILED On For 9/15/21: >INCOMP DOCS/ISSUES NEED RESOLUTION<<

Recap is $29,460.50 PTD, Then $2,495 x36 begin 10/1/21 Debtor to sign up for Ewage w/in 30 days email to atty

If accepted the mark the MP Withdrawn

Matter ResolvedRequest
Adjourment
359/15/2021 9:00 am19-27824 / CMGGeorge E Veitengruber IIIMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $35,145.00
NATIONSTAR/COOPER MTG/Wertsvlle Rd (FRIEDMAN VARTOLO)

9/14/21:Order to be Submitted
Resolution Details:
Debtor to get post petition current by 9/30/21, regular mortgage payments resume 10/1/21, with standard 30 day default clause. Fees/costs included.

Matter ResolvedRequest
Adjourment
369/15/2021 9:00 am19-30290 / CMGJONATHAN GOLDSMITH-COHEN, ESQMotion Relief from Co-Debtor StayContinued
10/6/2021 9:00 am
Total Paid In: $24,250.00
Debtor obj<>LAKEVIEW LOAN / Livingston La (POWERS)
Matter ResolvedRequest
Adjourment
379/15/2021 9:00 am19-30858 / CMGWarren Brumel, Esq.Creditor Certification of DefaultContinued
10/6/2021 9:00 am
Total Paid In: $14,770.00
Debtor obj<> M&T BANK/Rothbard Rd (Schiller Knapp)
Matter ResolvedRequest
Adjourment
389/15/2021 9:00 am19-32052 / CMGKARINA PIA LUCID, ESQ.Creditor Certification of DefaultContinued
10/20/2021 9:00 am
Total Paid In: $49,108.00
Debtor obj<>WILMINGTON SVS/Park View terrace (RAS)
Matter ResolvedRequest
Adjourment
399/15/2021 9:00 am19-32587 / CMGJOHN F. BRACAGLIA, JR, ESQ.Motion Relief from Stay (Fee)Continued
10/20/2021 9:00 am
Total Paid In: $7,670.00
Debtor obj<>WELLS FARGO BANK /Lehigh Rd. (LOGS)
Matter ResolvedRequest
Adjourment
409/15/2021 9:00 am20-10344 / CMGGeorge E Veitengruber IIIMotion Relief from Stay (Fee)Continued
10/6/2021 9:00 am
Total Paid In: $16,594.00
WILMINGTON SAVINGS (HILL WALLACK)
Matter ResolvedRequest
Adjourment
419/15/2021 9:00 am20-11974 / CMGJoan Sirkis Warren Motion Relief from Stay (Fee)Granted
USB LEASING LT / 2018 Chevy Pacifica (ROBERTSON, ANSCHUTZ)

>> debtor has no objection to relief sought. car lease is completed
Matter ResolvedRequest
Adjourment
429/15/2021 9:00 am20-12209 / CMGKevin Fayette, EsqMotion Relief from Stay (Fee)Continued
10/6/2021 9:00 am
Total Paid In: $16,625.00
Debtor obj<>BANK OF AMERICA/Red Oak Dr (FRENKEL LAMBERT WEISS)

8/11/21: Atty email says debtor LM package "Under Review" and should have answer by 8/27/21. Waiting to here back from creditor to resolve or adj to after 8/27/21.

9/13/21(mk):Motion to Approve LM filed Obj by 9/23/21. Adj till next date for Order to be entered.
Matter ResolvedRequest
Adjourment
439/15/2021 9:00 am20-12974 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
10/6/2021 9:00 am
Total Paid In: $6,051.00
Debtor obj<>ALLY CAPITAL (MESTER & SCHWARTZ)
Matter ResolvedRequest
Adjourment
449/15/2021 9:00 am20-14117 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayContinued
10/20/2021 9:00 am
Total Paid In: $16,480.00
Debtor obj<>JPMORGAN CHASE / Gimbel Place (FEIN, SUCH)
Matter ResolvedRequest
Adjourment
459/15/2021 9:00 am20-15878 / CMGYAKOV RUDIKHMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $11,047.00
WILMINGTON SAVNGS /Dawson Rd. (LOGS)

9/8/21(mk): CO submitted today
Matter ResolvedRequest
Adjourment
469/15/2021 9:00 am20-17033 / CMGBRUCE C TRUESDALE ESQCreditor Certification of DefaultContinued
10/20/2021 9:00 am
Total Paid In: $9,218.00
Debtor obj<> SELECT PORTFOLIO/Churchill Ave (RAS)
Matter ResolvedRequest
Adjourment
479/15/2021 9:00 am20-17609 / CMGJames J. Cerbone, Esq.Motion Relief from Co-Debtor StayConsent Order to be SubmittedTotal Paid In: $31,030.00
Debtor obj<>U.S. BANK NAT'L ASSOC/ Scarboroug Dr


Resolution: Order to be Submitted

COTBS - Debtor to cure over 6 months outside of Plan.
Matter ResolvedRequest
Adjourment
489/15/2021 9:00 am20-17977 / CMGWilliam H. Oliver, Jr., Esq.Motion SellOrder Previously Submitted
4215 DOVER EAST

8/26/21: Revised order submitted - RETENTION APPLICATIONS FOR BROKER AND SP.ECIAL RE COUNSEL FILED TODAY. OBJ DEADLINE IS 9/2/1. AFTER THAT DATE ORDER IS OK.


As of 8/17/21:(mk):No applications for retention of realtors or sp. Counsel for Re closing filed ye. Set a reminder for 9/6/21 to see if this was filed.

No gucs. plan was 0%.only creditors were mtg and auto cram.
Matter ResolvedRequest
Adjourment
499/15/2021 9:00 am20-19090 / CMGRobert Manchel, Esq.Motion to Approve Loan ModificationGrantedTotal Paid In: $16,175.00
Trustee obj(no cert signed by D)<>LAKEVIEW LOAN MTN TO APPROVE LM (McCabe Weisberg)

9/14/21: atty filed debtor cert.

Matter ResolvedRequest
Adjourment
509/15/2021 9:00 am20-20267 / CMGPRO SEObjection to Debtor's ExemptionsMoot - Dismissed
TRUSTEE BALBOA OBJ TO EXEMPTIONS


Notes from Balboa's office:
"Confirmation Hearing - TRANSFER IN CASE / JUDGE GRAVELLE. 5th Listing. 3 of 10 payments made. Need POI income and payments. Cert of service on cram down. MP treatment of unsecureds. Schedule C that lists the legal basis for exemptions claimed. Trustee recommends dismissal."Case also on for Conf:
Matter ResolvedRequest
Adjourment
519/15/2021 9:00 am20-20746 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
9/21/2021 3:00 pm
Total Paid In: $4,947.00
Debtor filed obj; Creditor response<>MILL POND AT EATONTOWN CONDO/Mill Pond Way (McGOVERN LEGAL)



CMG to reply to debtor's letter and schedule a conf call w/ counsel and debtor

per CMG adj to 9/21at 3:00pm
Matter ResolvedRequest
Adjourment
529/15/2021 9:00 am20-20977 / CMGSTACEY L MULLEN, ESQTrustee Certification of DefaultContinued
10/6/2021 9:00 am
Total Paid In: $8,310.00
debtor obj. ARREARS $4,366


9/8/21(mk): Per atty : office sent Memphis $860 on behalf of debtor on Sept 4th and an additional $860 on Sept 9th. I have proof of payments. Debtor can pay balance by end of month OR if possible, could it be rolled into plan that would help her. Either option works.

MK: emailed atty back need payments to post and if can bring current by end of mo. we should adj. 10/6 and see what has posted.
Matter ResolvedRequest
Adjourment
539/15/2021 9:00 am20-22466 / CMGDaniel Straffi, Esq.Motion to Approve Loan ModificationOrder Previously SubmittedTotal Paid In: $7,650.00
Trustee limited obj<> MTN TO APPROVE LM

mk: Revised order entered 8/25/21
Matter ResolvedRequest
Adjourment
549/15/2021 9:00 am20-22956 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Consent Order to be SubmittedTotal Paid In: $14,680.00
debtor opp'n(#40)>USB LEASING LT/2019 Hona Pilot (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
559/15/2021 9:00 am21-11502 / CMGYAKOV RUDIKHMotion Relief from Stay (Fee)Continued
10/6/2021 9:00 am
Total Paid In: $11,440.00
SELECT PORTFOLIO (FEIN, SUCH)
Matter ResolvedRequest
Adjourment
569/15/2021 9:00 am21-12347 / CMGANDRE L KYDALA ESQMotion Relief from Co-Debtor StayContinued
11/3/2021 9:00 am

Debtor obj<>JPMORGAN CHASE/ leigh St (FEIN, SUCH)


mk: CONF. ON 9/15/21;issues
Matter ResolvedRequest
Adjourment
579/15/2021 9:00 am21-12795 / CMGJohn Richard Voorhees IIIMotion Relief from Stay (Fee)Granted
BV001 REO BLOCKER / Mechanic St(HONIG & GREENBERG)
Matter ResolvedRequest
Adjourment
589/15/2021 9:00 am21-14027 / CMGDaniel Straffi, Esq.Motion Relief from Co-Debtor StayContinued
10/6/2021 9:00 am

mk: Per Creditor-NEEDS JUDGE. HOLD FOR NOON

TR arrears as of 9/15 2,250 (1/4 payments)


Debtor obj<>GREGORY FUNDING/ Station Rd (PLUSES, BECKER)

>>FYI: MOTION TO SELL REAL PROPERTY (short sale)ON FOR 10/6/21
creditor will obj. questions on sale price way below value

conf on 10/20/21
Matter ResolvedRequest
Adjourment
599/15/2021 9:00 am21-14037 / CMGJOHN ZIMNIS, ESQMotion SellWithdrawnTotal Paid In: $2,834.00
9/14/21(mk): MOTION W/D #24

9/10/21(mk): atty says willlikely w/d and refile to sell free and clear. email to mk on 9/10/21 explains situation.

AS of 9/8/21(mk): NO APPL FOR REALTOR RETENTION FILED

New Rez response (McCalla)<>SELL MAGNOLIA LN

100% case- >>order is ok if realtor is retained- emailed atty on 9/2/21 for status on retention

8/26/21:NO APPLICATIONS FOR RETENTION FOR REALTOR HAS BEEN
FILED

Debtor's cert has at parah 2:

2. I filed the within Bankruptcy under Chapter 13 of Title 11 on May 15, 2021. During the pendency of the case John Maloney passed away.
>>Who is John Maloney and what does he have to do with this case?

Matter ResolvedRequest
Adjourment
609/15/2021 9:00 am21-15667 / CMGMarc C. Capone, Esq.Motion Confirming Automatic Stay is Not in EffectGranted
>>OST << NEEDS JUDGE- HOLD FOR NOON

--Debtor obj; Creditor response<>TEMPLAR REAL ESTATE SOUTH LLC MTN FOR STAY RELIEF/Grand St (Schwartzberg)

9/15/21:Mk: Judge read reasons for granting motion into the record.
Matter ResolvedRequest
Adjourment
619/15/2021 9:00 am21-15798 / CMGCANDYCE I SMITH-SKLAR, ESQMotion Requesting RedactionGrantedTotal Paid In: $682.00
TCF MTN REQUESTING REDACTION
Matter ResolvedRequest
Adjourment
629/15/2021 9:00 am21-16419 / CMGWilliam H. Oliver, Jr., Esq.Motion Requesting RedactionGranted
Matter ResolvedRequest
Adjourment
639/15/2021 9:00 am21-16548 / CMGSTEPHANIE SHRETER, ESQMotion Impose Automatic StayGranted
MTN TO IMPOSE STAY
Matter ResolvedRequest
Adjourment
649/15/2021 9:00 am21-16618 / CMGKevin Fayette, EsqMotion Extend TimeGranted
MTN TO CONTINUE STAY
Matter ResolvedRequest
Adjourment
659/15/2021 9:00 am21-16661 / CMGWilliam H. Oliver, Jr., Esq.Motion Extend TimeGranted
MTN TO EXTEND STAY TO SECURED AND UNSECURED CREDS
Matter ResolvedRequest
Adjourment
669/15/2021 9:00 am21-16796 / CMGCANDYCE I SMITH-SKLAR, ESQOrder Shorten TimeGranted
>>OST<<

MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
679/15/2021 10:00 am18-24334 / CMGRUSSELL L LOW, ESQConfirmation Hearing ScheduledContinued
10/20/2021 10:00 am
Debtor has made 31 of 39 required payments   Arrears: $2,550.00  Total Paid In: $9,150.00
ADJ to 10/20/21 Peremptory

ISSUES AS OF 9/9/2021 (DM): Nothing has changed since the 8/24/21 work-up.

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


Confirm Case: $300 x 60 start 8/1/18, Base
Prop. MP: $8,850 Ptd, $150 x 24 start 8/1/21, Base
PTD = $9,000
Last Claim (4-3) dated 8/24/20
Matter ResolvedRequest
Adjourment
689/15/2021 10:00 am19-20370 / CMGWARREN LEVY, ESQ.Confirmation Hearing ScheduledConfirmedDebtor has made 29 of 29 required payments   Arrears: $530.00  Total Paid In: $15,320.00
9/10/21(mk): atty says agree to terms no suppl fees due now .


as of 9/9/2021 (JMA)

1) Proposed plan pays base of $44,330 - is there a supplemental fee app to be filed?

2) ***To confirm with the proposed base need to confirm at $14,645 paid to date, $530x56 begin 10/1/2021 100% plan**
Matter ResolvedRequest
Adjourment
699/15/2021 10:00 am19-27190 / CMGMark Kriegel Confirmation Hearing on Modified PlanWithdrawnDebtor has made 12 of 25 required payments   Arrears: $2,495.00  Total Paid In: $29,461.00
mk: atty doing a recap on Tr motion and this Plan is w/d

As of 9/14/21 (DS): Recommend confirming at $29,460.50 paid $2,557 x 36 begin 10/1/21; 100% to gucs

1. Debtor in arrears $18,160. Plan states Debtor states Debtor temporarily lost employment and gives no dates when unemployed and if there was unemployment benefits, however Debtor has since returned work. Plan does not state if this was due to Covid-19 and no extension was made. Plan was previously 100% to gucs, disposable income verified $8,421. PER DPCS PROVIDED, DEBTOR'S INCOME REMAINS THE SAME.

2. Need 2 months recent proof of income from Debtor and non-filing spouse and 2020 tax return and amended Schedule I & J. - FILED, STILL NO EXPLANATION, YTD NET INCOME VERIFIES SAME, THERE WAS NOT MUCH LOSS OF INCOME. PLAN SHOULD REMAIN 100%

MP Prop $2,200 x 37 begin 9/1/21; Base
- Debtor had arrears due to temporary income loss, which is now resolved, since Debtor has returned to work. Monthly payment was increased from $2,061 to $2,200.
Matter ResolvedRequest
Adjourment
709/15/2021 10:00 am20-16754 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
10/6/2021 10:00 am
Debtor has made 12 of 17 required payments   Arrears: $3,913.00  Total Paid In: $21,426.00
Adj to 10/6/ to resolve #s and contact atty

AS OF 9/14/2021 (at):

1. Modified plan pays the IRS claim #4-5P as an unsecured debt. This is a priority claim. Why is it listed as being paid as unsecured in mod plan? (PAY AS PRIORITY CLAIM)

2. Need a P&L for April - June 2021. (RECEIVED)

3. Need 2020 tax return. (LANGUAGE ADDED - NEED BY 11/15/2021)

4. Need an amended I and J. (RECEIVED)

MP proposes: $774 x 72 beginning 8/1/2021, not less than $53,120.84 to guc's
Arrears: $2,840
(Reducing amount of plan payment due to reduced income)
Matter ResolvedRequest
Adjourment
719/15/2021 10:00 am20-19776 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

MK: Oliver subst. in as atty on 9/13/21. needs time to correct issues.

AS OF 9/2/21 (SF)

1. Objection filed by Wells Fargo Bank (Matthew Fissel) - failure to provide for treatment of their claim. (Claim filed with zero arrears)

2. The plan does not address any secured claims Wells Fargo and Santander nor does it assume Acar auto lease.

3. Attorney must file Chapter 13 Disclosure Statement

4. Trustee objection:
- Need a current market analysis - document provided is dated 7/20/2020 - Zillow shows
value of $257,200

- Need a copy of the homeowner's insurance renewal declaration - policy provided expired 7/15/2021

- Provide bank statements for TD Bank account and Wells Fargo account for June and July 2021

- The debtor has undertaken an improper use of exemption. Specifically: -uses a d (1) exemption on debtors out of state vacation home

- The debtor(s) is not paying all disposable income into the plan The Trustee's calculations are higher for the following reason (s) South Carolina property is not the debtors principal residence and does not receive any rent for the property but the expenses are: $346 mortgage, $25 property renters insurance; $50 maintenance; $150 homeowners expense $150; garage fee/condo $50

-non exempt equity in 2017 Jeep Wrangler $11,000

-non exempt equity in 2020 Buick Encore AWD $14,922

-non exempt equity in South Carolina vacation property $17,924.88, debtor used improper
exemption, the debtor needs a current market analysis (document provided is outdated) value of property may increase the non exempt equity and if there is an available exemption the non exempt equity may be reduced

-the total non exempt equity on all real and personal property totals $43,846.88 - the plan
needs to propose to pay a minimum $43,846.88 dividend to general unsecured creditors (PLAN CURRENTLY REQUIRES 100% TO GUCS)

-need proof of auto insurance (the declaration page of the policy- not the ID cards on all vehicles on Sch B (doc #16);2016 Dodge ram,2
Matter ResolvedRequest
Adjourment
729/15/2021 10:00 am20-20267 / CMGPRO SEConfirmation Hearing ScheduledDismissedDebtor has made 0 of 13 required payments   Arrears: $0  

9/15/21:MK: email to I.Balboa office( to Kelleen Stanley to request they submit the dismissal order.


As of 9/8/21 Hold for Judge

Notes from Balboa's office:
"Confirmation Hearing - TRANSFER IN CASE / JUDGE GRAVELLE. 5th Listing. 3 of 10 payments made. Need POI income and payments. Cert of service on cram down. MP treatment of unsecureds. Schedule C that lists the legal basis for exemptions claimed. Trustee recommends dismissal."

adj to be current; file schedules and POI

HOLD FOR JUDGE AT NOON on 6/16/21.


6/8/21 (sf)

Confirmation Hearing - TRANSFER IOUT CASE / JUDGE GRAVELLE. RECOMMEND DISMISSAL. 5th Listing. 3 of 9 payments made.



As of 06/03/2021 Needs:

- Certification by Debtor for Alternative Source of Income regarding Bello Builds, LLC (per Business Analyst, we may also accept a Certification letter from the debtor but it must be provided via regular mail);

- Amend Plan Part 5a to provide treatment of unsecured creditors and to add storage unit and back payments owed under Part 6 for lease;

- Amend Schedule C to exempt all assets;

- File completed Schedule I to provide your income;

- Amend Statement of Financial Affairs (SOFA) #1 to provide martial status;

- Amend Statement of Financial Affairs (SOFA) #4 and/or #5 to provide income received during this year or the two previous calendar years;

- Amend SOFA no. 20 Wells Fargo;

- Amend I to add daughter's SSD;

- Need 2020 TR's by 6/17/2021;

- Pre-Confirmation Certification must be filed with the Court prior to your Confirmation hearing;

- Need proof of service of plan and transmittal letter on capital one auto. need to serve address listed on the Proof of Claim under notices in Part 1 section 3;

- Need copy of signed petition; and

- Need certification of completion of credit counseling to be filed with the Court (Cert was filed w/ the Court on 2/9/21; must review on actual Court docket - I do not know why the entry is not showing up on the docket in our system but I mainly attached i
Matter ResolvedRequest
Adjourment
739/15/2021 10:00 am20-20493 / CMGANDREW B FINBERG ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 56 of 13 required payments   Arrears: $944.00  Total Paid In: $33,412.00
8/24 workup for the 9/15 calendar

TO CONF NEEDS $32,831.57 paid the date then $596 x 48 beg 10/1/21-100%--needs to file fee application in 7 days


-Where are the sale proceeds? Need proceeds to calculate balance due(Received)

-needs to file fee application in 7 days


MP proposes: $32,251.57 PTD; $580 X 49; 100%-minimum of $27263 to gucs per equity
Matter ResolvedRequest
Adjourment
749/15/2021 10:00 am20-21456 / CMGROBERT C NISENSON ESQConfirmation Hearing on Modified PlanContinued
10/6/2021 10:00 am
Debtor has made 10 of 12 required payments   Arrears: $0  
Total Paid In: $3,000.00
adj to 10/6 to resolve and work up

9/7 AMT: HUD/314-22 E. 4th St to AO for audit<<<>>>per AO--SENT AN EMAIL TO BK ATTY TO PROVIDE PROOF OF SATISFACTION FOR THE CITY OF PLAINFIELD TAX SALE CERTS. AND TO VERIFY THAT THE $79,588.88 STATE JUDGEMENT IS FOR THE 50% OF THE SALE PROCEEDS DUE TO THE 50% OWNER OF THE PROP. LUIS POSADA.


9/15 workup EDC

CMG to enter an order vacating stay for Source Enterp.if no closing by 9/ 8/21

NOTE atty says closing today or tomorrow but RE taxes were not paid.

8/23 workup ED-C

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

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

NEEDS JUDGE

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


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

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

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

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

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

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

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

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

2/23 workup for the 3/3 calendar EDC

-2 payments arrears
-Motion to sell also scheduled with multiple objections-SALE NOW WITHDRAWN
-plan will be a low base plan pending sale. Will be 100%--cannot confi
Matter ResolvedRequest
Adjourment
759/15/2021 10:00 am20-24095 / CMGANDREW G. GREENBERG, ESQ.Confirmation Hearing on Modified PlanConfirmedDebtor has made 8 of 10 required payments   Arrears: $15.00  Total Paid In: $907.00
AS OF 09/13/21( mk):UPDATED- atty ok to terms

RECOMMEND $807 PTD, $115 X 27 (BEGIN 10/1/21) BASE PLAN
- TRUSTEE STANDARD ORDER OF DISTRIBUTION



1. Trustee objection:
- The plan proposes non-standard order of distribution
- Excessive expenses per Schedule J: $1,800/month for rent (need lease/proof) (PROVIDED a second time, MONTHLY RENT IS $1,790)



Plan proposes $101 X 7; $100 X 29 Base
Payments: 8/9 Arrears: 100

RESOLVED ISSUES:
- Need January and February pay stubs for new job. Cannot determine income with two pay stubs. (RECEIVED)
- Need updated car insurance as policy expired on 2/20/2021. (RECEIVED)
- Need copy of 2020 Tax Return by 6/30/21 (RECEIVED)
- Need modified plan to addresses bifurcated secured claim 4-1 filed by Wells Fargo/Bob's Discount Furniture. $1128.48 is secured and $905.82 is unsecured with arrears of $2034.30. (SURRENDERED PER MP)
Matter ResolvedRequest
Adjourment
769/15/2021 10:00 am21-11435 / CMGRobert Manchel, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 8 required payments   Arrears: $0  
Total Paid In: $2,068.00
ISSUES AS OF 9/13/2021 (DM):

***TRUSTEE WILL RECOMMEND CONFIRMATION AT $1,468 PTD, THEN $600 x 53 STARTING 10/1/21, $8,060 MINIMUM DIVIDEND DUE TO EQUITY IN PERSONAL ASSETS***

 Trustee recommends disallowance of $600 IRS expense deduction. Also, there is a 5/21/21 pay stub with a deduction for disability insurance - expense for disability insurance taken on Sch J - screenshot uploaded showing AFLAC payment is still being made as of Sept 2021.

 7/16/21 - Atty to review issues regarding #2 below - ADJ to 8/18/21.

1) IRS priority POC (3-1) is estimated for 2019 and 2020 taxes (POC AMENDED TO $254.62 PRIORITY AND $22,992.46 GENERAL UNSECURED).

2) Per Debtor Cert, employer is now deducting health care expenses - need to know if disability insurance on Sch J is still being paid separately. Also need to know how long husband is required to pay the IRS $600 per month. Emailed attorney our income calculation (DEBTOR CERT DEMONSTRATES WE SHOULD DEPART FROM 122c - PER CERT, HEALTHCARE EXPENSES COVERED BY EMPLOYER - $252 DISABILITY INSURANCE SHOULD BE REMOVED & $395 PERSONAL CARE EXPENSE AND $325 CLOTHING EXPENSE ARE BOTH STILL HIGH).

3) Trustee OBJ:
- Need 2020 tax return by 6/15/21 (RECEIVED).
- Need value statement for whole life insurance policy listed on Sch B (RECEIVED).
- Debtor takes a 522d(3) exemption for auto trailer, which is used for household goods.
- Excessive Expenses - Form 22c: $643.62 on Line #25 for health insurance and $252 Disability Insurance (requires proof - RECEIVED). There would be $661.40 disposable income which would require a $39,684 minimum dividend to gucs (PER DEBTOR CERT, AMENDED 122c SHOULD SHOW $212 MONTHLY DISPOSABLE INCOME).
- Excessive Expenses - Sch J: Food $720, Clothing $325, Auto Insurance $401 (proof verifies $305 - ACKNOWLEDGED PER DEBTOR CERT), Spouse Life Insurance $290 (requires proof of payments - RECEIVED), Disability Insurance $252 (requires proof of payments - RECEIVED) and IRS $600 (requires proof of payments - RECEI
Matter ResolvedRequest
Adjourment
779/15/2021 10:00 am21-11759 / CMGRobert Manchel, Esq.Confirmation Hearing ScheduledContinued
10/20/2021 10:00 am
Debtor has made 4 of 7 required payments   Arrears: $4,788.00  Total Paid In: $6,168.00
As of 9/7/21(mk); Email to atty- agreees to adj to 10/20

--THIS SHOULD BE CONFIRMED W/ LM OUTSIDE AND PLAN COMPLETE. DEBTOR IS FREE TO CONTIUNE TO USE PORTAL--OR ADJ to after Trial payments complete .

>>Entire plan is for LM. NO ARREARS ON Cars or 2nd Mtg)NO GUCS. last trial payment due 10/1/21.


1.Part 10 of plan says: no gucs. Debtor in trial LM .last payment due 10/1/21. wants to pay 200 till Dec2021 to allow time for ct approval of LM, if LM denied , then payment increases to cure mtg at 100%


2. As of this date PTD is $6,168 not 7,764. Last payment was 7/13/21.

MP proposes:$7764 PTD; $200 X 4; $1733 X 51; BASE:LM by 12/15/21.
plan has run 6 mos and 54 remain.
Arrears $1596 as of the filing of MP

Matter ResolvedRequest
Adjourment
789/15/2021 10:00 am21-12347 / CMGANDRE L KYDALA ESQConfirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 3 of 7 required payments   Arrears: $6,000.00  
adj 11/3/21: File MP no longer a LM- now arrears

As of 9/7/21(mk):THIS 9/15/21 Hearing REREMPTORY

MTG CO IS ONLY CREDITOR & IT"S A LM CASE.LOSS MIT HAS EXPIRED 7/26/21.

SAME ISSUES AS LAST 2 HEARINGS

>MTG CO is the only creditor .
>>NEEDS TO RESOLVE CREDIOTR OBJ AND GET CURRENT<<

-2/6 Tr Payments. Arrears 6,000 .Last payment 6/15/21.

1.STAY MOTION (JP Morgan- Fein Such)WAS FURTHER ADJ AT CREDITOR REQUEST TO 11/3/21 FOR REVIEW OF INSURANCE PROCEEDS AND SETTLEMNT OF MOTION.

2.Objection by JP Morgan(Fein Such):
-failure to pay arrears(118,947.27)

3. Trustee Objection:
-need 2020 tax Return.
---INCOME ISSUES:---
-debtor not paying all disposable income into the plan:Sch I has $5,972 is dispos. income .Plan payment only 1500.BUT THEN THE
Income for debtor from Hunterdon Medical Center was provided, employer not listed on Schedule I (Sch I has Education listed- is this Hunterdon?)and it verified amount significantly lower than what is on Schedule I.
- Provided unemployment Form 1099-G - not sure when received
-------------
-need 2021 bank st. for January & February.(Provided)


Plan: $1500 X 60; LM BY 3/1/2022; BASE LM BY 3/1/21
payments:2/6
last claim:1-1, bar date:6/1/21
Matter ResolvedRequest
Adjourment
799/15/2021 10:00 am21-12355 / CMGROGER CHAVEZ ESQConfirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0  

9/15/21: CMG adj. for more info. and to make choice of HH size and expenses.

terms not agreed too and creditor filing a supp obj.

9/14/21: reviewed current income and made adjustment on overall expense amt. Also. not clear that kids live with him vs visitation so extended plan to total 48 mos instead of 36. Tr will compromise and re then will make a recommendation for confirmation as follows.

**CAN REC CONFIRM AT $900 PTD, THEN $200 X 42 BEGIN 10/1/21.BASE. PLAN EXTENDED TO TOTAL 48 MOS**

9/10/21(mk): docs provided -needs Mk review and update notes.

AS of 9/8/21(mk):may Need To Be adj. 2 weeks to provide docs per Tr suppl .objection

>TR Supp.l Objection. Updated POI for June- August 2021. and proof that business Unique Painting bk acct #9908 has not been used for mos. following cessation of b'ness(Feb 2021) so bka sts,emts for March, April and therafter till that acct was no longer in use.<

>.NEED TO KNOW IF ANY SUPPLEMENTAL OBJECTION BY CREDITOR WILL BE FILED BASED UPON REVIEW OF SUBPOENA DOCS. OR CAN WE RESOLVE W? HIGHER TR PAYMENT GOING FORWARD?


7/21/21:Order on Motion to Quash entered.

>>Order submitted re Motion to Quash. CONFIRMATION NEEDS TO BE ADJ. TILL AFTER DOCS PROVIDED AND REVIEWED FOR IMPACT ON PLAN

on 7/7/21: motion to Quash Subpoena heard - OTBS.

ADV.PRO filed 6/18/21 by creditors, Michelle Cox & Andrew Jenkins( R. Radowitz,esq) to determine Dischargeability of debt. (DISMISSED & CLOSED)

5/19/21(mk): need more pay stubs to review income.even if all expenses allowed we show dispo income over $600. Creditor has filed doc subpoena & 2004

5/17/21: atty followup Cert.#22.

5/15/21(mk): debtor cert filed (#21)Re; Support & debt to sister not on sch f- filed amended F as well

As of 5/13/21(mk);Updated- Despite reply of Atty to Tr objection-NOTHING IS CERTIFIED BY DEBTOR. Also - Tr wants results of 2004 hearing. Case is only 2 mos old. This should be adjourned till after that as there remain issues of disposable income and expenses.
Matter ResolvedRequest
Adjourment
809/15/2021 10:00 am21-12491 / CMGKARINA PIA LUCID, ESQ.Confirmation Hearing ScheduledContinued
10/6/2021 10:00 am
Debtor has made 3 of 7 required payments   Arrears: $1,941.00  Total Paid In: $8,077.00
9/15/21: atty to contact EDC to resolve terms

8/30 workup for the 9/15 calendar EDC--same as last time


**Trustee obj to the following:

--- Debtors have exceeded the D(5) exemption by $5,648.-(attorney does not dispute)

--- 22c has disposable income: Line 10 $603.57 (additional mortgage payment) should be $0 (already on Line 9b), Line 13c should be $266, Line 13f should be $196, Line 30 additional food/clothing $60 and Line 43 has student loans $1,100. Line 45 disposable income would be $3,138.11, which would require minimum dividend $188,286.60 to gucs.

--- Excessive expenses on Sched J such as: $625 for childcare (need proof $250 on 22C) and
$1,100 for student loans (need proof-sent proof of around $250 monthly for 2 loans and $358 monthly for Jui Jitsu classes-this is not an allowable expense).

--- There is $5,648 non-exempt equity in the Investors Bank account.

-NJ in plan but no priority claim filed-TRUSTEE CANNOT PAY UNLESS CLAIM

-Student loans outside of the plan



RESOLVED ITEMS BELOW:
-------------------------------
- Need January and February bank statements for and NJ Law CU (or closing statement)(done)
-Secured claims filed by Citizens Bank for 2016 Honda and Americredit for 2018 Chevy, not in plan or Schedule D.
2. Wells Fargo (LOGS Legal Grp) obj to plan not being clear, due to listed on Part 4f unaffected and again on Part 4g as to be paid in full. Based on Trustee review, Sched D list 2 mortgages, plan is proposing to pay 2nd mortgage claim in full. Obj needs to be resolved. (OS)
>>>>(mk:7/2/21:order submitted re Wells Fargo obj:POC 52,467.60.
pay this int for total $59,768.94 pd over 60 mo plan)
As of 6/28/21 (DS): 1. Citizens Bank (GELLERT SCALI BUSENKELL & BROWN) obj to not in plan, among other issues. POC filed, no arrears.(MP has unaffected)
- There is $5,648 non-exempt equity in the Investors Bank account.

Prop Plan $1,153.80 x 60; Base
Note: Whole life insurance statement and Ameriprise Brokerage Acct statements provided.
Matter ResolvedRequest
Adjourment
819/15/2021 10:00 am21-12664 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $200.00  Total Paid In: $850.00
9/17/21(mk): ADD TO CONFIRMING ORDER **DEBTOR TO FILE CLAIMS FOR JUDGMENT CREDITORS( MSW AND 2 NEW CENTURY FINANCIAL JUDGEMENTS) AND MOTIONS TO ALLOW LATE CLAIMS W/IN 30 DAYS**

mk: see in post 341 docs mtg info affordable housing letter as to value(max resale 147,000.

AS OF 9/15/2021 (at):

RECOMMEND: $150 x 60 BEGINNING 4/1/2021, BASE WITH A MINIMUM OF $5,324.40 TO GUC'S DUE TO NON EXEMPT EQUITY IN REAL ESTATE AND PERSONAL PROPERTY
Need to file Pre-Confirmation Certification within 10 days of confirmation.

Trustee's objection:
The debtor has insufficient income .
The debtor has failed to supply the Trustee with the following document (s):
- Judgment for divorce and property settlement agreement. (RECEIVED)
The debtor has undertaken an improper use of exemption. Specifically:
- D(5) over exempts $953 on personal assets.
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 $23,946.40 and personal assets $953. (NON EXEMPT EQUITY R/E IS $4,371.40)
- Need proof of judgment lien balance, no secured claim filed. (RECEIVED)
- Must file Pre-confirmation certificate. (NOT FILED)


MP before confirmation proposes: $150 x 56 beginning 8/1/2021, base
Payments: 6/6
Matter ResolvedRequest
Adjourment
829/15/2021 10:00 am21-12795 / CMGJohn Richard Voorhees IIIConfirmation Hearing ScheduledDismissedDebtor has made 3 of 6 required payments   Arrears: $0  

9/2 workup for the 9/15 calendar EDC

-2 payments arrears-last payment was in June
-Motion To Impose Stay denied on 8/4-where is this case going?
-Obj. By BV002 REO Blocker, LLC (RE Tax Lien)Honig & Greenberg)-motion for relief scheduled for 9/15

*Trustee objections:

-The debtor has insufficient income to fund the plan..
-The debtor has failed to supply the Trustee with the following document (s):
Proof of 2 month's income - for debtors job with Oxford Group & Central Jersey
Pools
-A copy of the last filed tax return - 2020.
-Amendments to Schedules I to add job at Central Jersey Pools (started in May).
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):
-monthly utility expense of $500 is excessive
-The circumstances and contents of the debtor's Plan, when taken in their totaility,
indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)
(3).
- The proposed plan is set up to only pay attorney fees.
-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): -
The online market analysis shows a home value of $323,500. The Trustee is requesting a
copy of the listing based upon the proposed sale plan.
- VB002 REO Blocker LLC (Honig Greenberg) objection to confirmation - need to resolve
- Counsel must file a fee application for all fee amounts above the allowable "no look" fee
or file an amended Attorney Disclosure.


- plan not feasible. 40 x 36 sale of RE by 1/2022
Matter ResolvedRequest
Adjourment
839/15/2021 10:00 am21-13001 / CMGEric ClaymanConfirmation Hearing on Modified PlanContinued
10/6/2021 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $1,212.00  
mk: add lang debtor to file claim for LL Parkwood Garden and Motion to allow late claim. OTBS w/ Santander to pay total 24,439 thru plan. Then calculate prompt cure


As of 9/7/21 (DS): 1. Debtor in arrears $1,562.50, made 2.5 out of 5 payments, last payment made 7/27. WAGE ORDER WAS TERMINATED 7/7/21

2. No claim has been filed by Parkwood Gardens for $6,900, bar date has passed.

>>PLAN WITHDRAWN. A new MP Before conf filed and on for 9/15/21.

ORDER TERMINATING WAGE ORDER DATED 7/7/2021

8/4/21 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $310.22.
- Need a mod plan that clarifies treatment of Chrysler Capital claim, if cramming add to Section 4d and Section 7c and provides for a prompt cure of rental arrears. - MOD PLAN CORRECTS.
- Must file Pre-confirmation certificate. - FILED 7/30/21

2. Santander (MORTON) obj that 2019 Toyota was purchased 7/29/19 and is a 910 claim, proof of insurance, lien retention and add adeq prot. Obj must be resolved.

Prop Plan $625 x 60 begin 5/1/21; 0%
Matter ResolvedRequest
Adjourment
849/15/2021 10:00 am21-13008 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $1,430.00  
ISSUES AS OF 9/9/2021 (DM):

1) IRS filed $9,360.17 priority claim that includes estimated taxes for 2017 - 2018 (UNRESOLVED).

2) IRS filed $50,841.72 secured claim not treated in plan (UNRESOLVED).

3) IRS filed a general unsecured claim that includes estimated taxes for 2015 - 2016 (UNRESOLVED).

4) Trustee OBJ:
- Need a copy of 2019 and 2020 tax returns (RECEIVED).
- There is $123,854 non-exempt equity in real property.
- Need to resolve IRS estimated claims (SEE ABOVE).
- Need to file Pre-Confirmation Certification (FILED).


Prop. Plan $1,980 x 60, 100% Plan
PTD 4/5 = $8,920
Last Claim (4-1)
Matter ResolvedRequest
Adjourment
859/15/2021 10:00 am21-13146 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
10/20/2021 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $960.00  
AS OF 9/8/2021 (at):

1. A motion to expunge the state of NJ 's proof of claim is scheduled for 9/29/2021.

2. The IRS filed a secured claim #1-2S in the amount of $13,176.97 which is not in the plan.

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- provide better proof of unemployment income received - document provided does not indicate when it started and what is received weekly/biweekly (RECEIVED)
- A Modified Plan that addresses IRS secured claim and fix priority amt. (NOT FILED)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
-balance in Ocean First account as of 3/31/2021 is $4,098.18, schedule B and C only show $1,000, unless schedules amended there is non exempt equity $3,098.18. (LANGUAGE ADDED)
-must file pre conf cert (FILED)
-need 2 mos before filing personal bank acct statements. (RECEIVED)
-need certification explaining the receipt of $25,815 PPP loan deposited 3/15/2021 and retiring 4/1/2021 (NOT RECEIVED)

Plan proposes: $960 x 60 beginning 5/1/2021, 0% to guc's
Payments: 4/5, arrears $960
Matter ResolvedRequest
Adjourment
869/15/2021 10:00 am21-13243 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledContinued
12/1/2021 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

Adj. 12/1/21 NFA

AS OF 9/7/2021 (at):

1. The IRS file an estimated claim #3 (2017 & 2018) which needs to be resolved.

2. Trenton Water Works is listed s a secured claim in the plan. They have not filed a claim. Debtor's attorney will need to file a claim and a motion to allow the late claim if one is not filed by the creditor by the gov bar date of 10/18/2021 or advise that the claim should be stricken from the plan.

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Need March and April bank statements for TD accounts #0514, #3545 and #7104. (NOT RECEIVED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (NOT FILED)

Plan proposes: $225 x 36 beginning 5/1/2021, $0 to guc's
Payments: 3/5, arrears $450
Matter ResolvedRequest
Adjourment
879/15/2021 10:00 am21-13292 / CMGScott J. Goldstein Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $4,800.00
9/2 workup for the 9/15 calendar EDC

**CAN CONFIRM AT: $800 x 60 beg. 5/1/21 pro rata with min of $8000 to gucs


1. The attorney's fees in the plan and disclosure statement do not agree. Plan lists $2,903 and disclosure lists $2,878. If the disclosure statement is incorrect, then it must be amended. (DISCLOSURE AMENDED)

2. Objection filed by Freedom Mortgage (Brock & Scott) - failure to cure arrears of $1,258.08. (Per obj - no POC filed yet) (RESOLVED -DEBTOR TO PAY $1,258.08)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - for Care First Associates or debtor's certification as to
the company relationship to Debtor's employer. (RECEIVED)
- Business profit & loss statements (DEBTOR TESTIFIED THAT BUSINESS IS CLOSED. NO BUSINESS FOR LAST 12 MONTHS)
- A copy of the deed - for Homestead Florida property. (RECEIVED)
- Need to resolve the estimated claim filed by the IRS. (resolved))
- Need to resolve objection by Freedom Mortgage. (RESOLVED)

Plan proposes: $800 x 60 beginning 5/1/2021, not less than $8,000 to guc's
Payments: 3/3
Matter ResolvedRequest
Adjourment
889/15/2021 10:00 am21-13325 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
11/17/2021 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0  

Mk: adj. 11/17 NFA to resolve 109e

ISSUES AS OF 9/9/2021 (DM):

***Need homeowners insurance for NJ & FL properties unless there is a business policy that covers both properties - RECOMMEND ISMISSAL. Will also need to address 109e issue***(Mk: atty says he is working on this w/ creitor and needs time

 9/9/21 (mk): CO resolving objection by NewRez/Shellpoint submitted - no pre-petition arrears due and mtg lien is to be treated as unaffected by the plan.

1) Reverse Mortgage Funding (MARTONE) OBJs - $17,836.96 arrears on Toms River NJ property not treated in the plan (UNRESOLVED).

2) NewRez dba Shellpoint Mtg/Wilmington Savings (PINCUS LAW) OBJs - the plan does not specifically treat the claim on the NC property in the plan (OTBS).

3) Trustee OBJ:
- Need homeowners insurance for Toms River NJ property (UNRESOLVED).
- Need homeowners insurance for Florida property (UNRESOLVED).
- Need copy of Deed for Toms River NJ property (UNRESOLVED).
- Need copy of Deed for Florida property (UNRESOLVED).
- Need proof of rental income for all rental properties (UNRESOLVED).
- Need copy of 2020 tax return (UNRESOLVED).
- 109e objection - $586,380.91 unsecured claims filed - over the $419,275 allowable (UNRESOLVED).
- Need amended Sch A/B to add Toms River and Florida properties (UNRESOLVED).
- Excessive Expense: Food $500; Transportation $550; support payments $1,500 (requires proof, such as an order of support); other property expenses such as: mortgage $997, maintenance $200 and utilities $340 (not sure what property these expenses are for).
- P&L provided is dated 10/2020 to 3/2020 - need to correct date - Updated document provided is now dated 10/2021 TO MARCH 2021 (UNRESOLVED).
- American Honda filed $15,.91 arrears claim - plan lists as outside.
- Need auto insurance for 2018 Honda Civic - Sch B lists joint ownership with cousin, but arrears claim has been filed and needs to be addressed (UNRESOLVED).
- Need a MP that adds all mortgage claims (UNRESOLVED).
- Need property
Matter ResolvedRequest
Adjourment
899/15/2021 10:00 am21-13487 / CMGSTEPHANIE RITIGSTEINConfirmation Hearing ScheduledDismissedDebtor has made 0 of 6 required payments   Arrears: $0  

9/2 workup for the 9/15 calendar EDC

-still no payments

mk: 341 now on 8/26/21. Debtor had bank acct hacked and all $ taken. Getting cash to atty and waitiing for unemployment.

*Trustee objection:
-The debtor has insufficient income disposable income verifies $ -30.50..
-The debtor has failed to supply the Trustee with the following document (s):
A copy of the last filed tax return - for 2020.
-2 months bank statements from savings bank account prior to filing date.
Amendments to Schedules I to add unemployment income.
- The Plan fails to provide for a prompt cure of rental arrears.
-The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l).
- need proof of unemployment income.
- Must resolve IRS and State of NJ estimated claim.
- add lang. that need amended I & J and updated proof of income 6 mos from
confirmation and 2021 tax retrun.
- Must file Pre-confirmation certificate.






Matter ResolvedRequest
Adjourment
909/15/2021 10:00 am21-13588 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 6 required payments   Arrears: $385.00  Total Paid In: $1,155.00
8/30 workup for the 9/15 calendar EDC

**CONF AT: $1155 paid then $385 x 55 beg 10/1/21 0%-pre conf cert in 10 days


-still need pre conf cert
-MP filed removes landlord

-MP has a cramdown to $13886.07 to United Auto but there is a 7/19 order that calls for $12968.85 with $248.28 adequate protection. Which is correct? Cannot work up for confirmation until this is resolved.


MP $385 x 60 begin 5/1/21; $0


Matter ResolvedRequest
Adjourment
919/15/2021 10:00 am21-13741 / CMGSTEVEN DUNBAR ESQConfirmation Hearing ScheduledDismissedDebtor has made 1 of 5 required payments   Arrears: $0  

NS by atty second call


issues as of 9/9/2021 (JMA)

1) Trustee objection to confirmation - need to resolve
-bank statements from PNC from 3/24/2021 to date from filing
-a modified plan that adds Mariner Finance on Section 7c, creditor is listed on Section 4d or clarifies treatment
-a modified plan that adds all cramdowns to Section 4 and Section 7 of the plan
-the debtors is not paying all disposable income into the plan - income verifies higher $3,557.57 than scheduled $3,417.75 leaving disposable income $532
-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 on real property $12,197.18
-must file Pre Confirmation certification with Court
2) Not current with Trustee plan payments, arrears $1,134.88

proposed plan $383.72x36 base plan
paid in $400
arrears $1,1384.88
last claim 9-1


Matter ResolvedRequest
Adjourment
929/15/2021 10:00 am21-14026 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
11/17/2021 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

mk: needs time to work on tax issues


As of 9/14/21(mk):

>>PLAN IS NOT FEASIBLE. B/W the tax claims and 100% to gucs ($163,828.91) the monthly payments would be over $5,000<<


1. Stay Relief Motion By Santander(Morton) on 10/6/21
-2019 Dodge Ram

2. NJ ESTIMATED POC for priority 2020 taxes.

3. IRS Filed APOC FOR Secured (79,015.55) and Priority (23,045.97)
plan has 2 priorty amts at 22,976 & 36,870.

4. PNC in plan as unaffected' POC filed $10.00 - OK TO PAY?

5. Trustee objection:
-need 2020 Tax returns for both personal and business.
-need current home insurance - policy provided expired
6/20/2021
- verified dispos income at $3,242.Plan payments proposed much lower.
-debtors not paying all dispo income into plan due too
excessive expenses on Schedule J $300/home maintenance;
$477/telephone/internet/cable; $827/car payment; $645/car payment(OK IF PLAN CONFIRMED AT 100%
-36,900 equity in Crist Container--OK IF 100%(Protect T/H)
----------------
auto insurance renewal, policy provided expired 6/30/2021(Provided)
-Objection by Wells Fargo(Powers):RESOLVED BY ORDER


Plan:$750 X 12; $1700 X 48 BEG 6/2021; 100%
5/4 payments
last claim: 23-1,bar date;7/23/21
Matter ResolvedRequest
Adjourment
939/15/2021 10:00 am21-14205 / CMGOTTO J KOSTBAR, ESQConfirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

ADJ to 11/3/21 Peremptory

ISSUES AS OF 9/9/2021 (DM):

***In addition to addressing the recommendation below, debtor needs to address Daimler Trust POC (22-1) that she signed as President of Escambray Leasing Inc***

 7/29/21 - Debtor attorney requested adjournment to resolve all issues.

 7/28/21 (DS): IF OBJECTION RESOLVED AND OKAY TO STRIKE THE MOTIONS, RECOMMEND CONFIRMING AT $125 x 3 STARTING 6/1/21, $573 x 57 STARTING 9/1/21, BASE PLAN; ADD TO CONFIRMING ORDER: TRUSTEE SHALL PAY THE ARREARS POC (3-1) OF SPECIALIZED LOAN SVC, TRUSTEE TO STRIKE CRAM SECTION 4D & 7A OF PLAN.

1) Specialized Loan Svc (PLUESE) OBJs - $2,039.99 arrears.

2) Trustee OBJ:
- Need to service plan motion on Fox Capital Group (UNRESOLVED - 6/10/21 SERVICE WAS NOT SENT TO ATTN: MANAGING AGENT - NEED TO STRIKE MOTION).
- Excessive Expense with real estate taxes of $750 - per POC, loan is escrowed for taxes.
- Tax refund of $2,908 was not prorated and included in disposable income calculation.
- Monthly disposable income verifies at $1,145 due to excessive real estate tax expense and failure to prorate tax refund.


Prop. Plan $125 x 60, Base
PTD 4/4 = $500
Last Claim (22-1)
Matter ResolvedRequest
Adjourment
949/15/2021 10:00 am21-14576 / CMGBrian F. O'Malley Confirmation Hearing ScheduledContinued
11/17/2021 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $432.00  
341 now on for 10/7/21

issues as of 9/9/2021 (JMA)

1) 341 still not held, still not rescheduled
2) Not current with Trustee plan payments(,2/3) arrears $432.
Matter ResolvedRequest
Adjourment
959/15/2021 10:00 am21-14608 / CMGMARCIA Y. PHILLIPSConfirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 20 of 4 required payments   Arrears: $0  

As of 9/7/21(mk):

>>plan says debtor seeking LM w/in 12 mos & will seek surplus balance held by CT from last case appro 8,543 to pay toward Mtg arrears.

1. Objection by US Bank(Powers):
plan fails to pay arrears

2. Trustee Objection:
-debtor not paying all disposable income into plan:
Income (taken from net pay spreadsheet for Jan - June 2021 )verified
higher($4824) than scheduled(2935). This leaves dispos .income of
$2,360 p/m.
- Schedules fail to account for tax refund of $2,294 when determining
disposable income.
-Equity in TD checking acct. as of May 23,2021 bal of $7,358. Amended C takes 1,075 so balance of NE Equity is 6,283. this acct also lists a Theresa West. Who is That? SOFA says debtor is not married?
Possible equity in real estate (23,546) at value of 375,000and unclaimed funds (8000)
comparables submitted on property show median value $338,000.
Appears property is listed for sale at 375,000.Sch A has value at
239,000 which is not accurate.
-add to confirming order that if real property is sold , all non exempt
equity be paid to Trustee.
-Schedule I lists no dependents but 122C claims 2 persons on income deductions. (tax return lists a dependent - is this a child?)
-must file pre conf cert
--------------------------
-need Amendments to Schedules B and C to include the $8400
deposited with the court(Filed)


Plan:$200 X 60 BEG 6/2021; SALE/REFI/LM BY 2/1/2022; BASE
10/3 ptd $2,000
last claim:4-1 bar date:8/12/21






Matter ResolvedRequest
Adjourment
969/15/2021 10:00 am21-14616 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledWithdrawnDebtor has made 8 of 4 required payments   Arrears: $0  
Total Paid In: $4,658.00
AS OF 9/2/21 (SF)

1. Modified plan filed and scheduled for 10/6/21.

2. Objection filed by Bank of America (Douglas McDonough) - failure to pay arrears of $5273.10 (MUST RESOLVE)

3. Loss Mit order expires on 9/14/21.

4. Trustee objection:

- Need Pension loan statement prior to filing on Debtor's pension income of $1,639.84 deduction. (RECEIVED AND PENSION LOAN HAS BEEN PAID SO THERE IS HIGHER DISPOSABLE INCOME NOW OF $3954)

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Auto
insurance $624 (verifies $553)

- 22c has disposable income $996.20, which would require minimum dividend $59,772 to gucs.
- Proof of income verifies higher, there is disposable income $2,313.81. (DISPOSABLE INCOME IS HIGHER)

- There is non-exempt equity in bank accts $367.

Plan proposes $1719 x 60 100%, Loan Mod in 6 mos
Payments: 3/3

RESOLVED ISSUES:
- Student loans $496 (Plan does not list student loans outside). (PLAN DOES LIST STUDENT LOANS OUTSIDE)
- Must file Pre-confirmation certificate. (FILED)
Matter ResolvedRequest
Adjourment
979/15/2021 10:00 am21-14750 / CMGJENNY R KASENConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $280.00
As of 9/10/21(mk):


**WILL REC CONFIRM AT $70 x 36 Begin 7/1/21.Base**



1.Trustee Objection:RESOLVED
- Need balance loan statement prior to filing date with ISP Loans 1 and
2 listed as deductions on pay stubs.(Provided- needs review)
- Must file Pre-confirmation certificate.(Filed)
-need Updated auto insurance, insurance expires 8/11/21. NEED
DECLARATION PAGE ,NOT ID Card.(PROVIDED)
-Order of distribution is contrary to Tr Std. order.
-schedules fail to account for the debtor(s) tax refund in the amount of
$6084 when determining disposable income.(added in).
-attorney disclosure page needs to be amended to state that it is a
"flat fee" case((FILED)


Plan: $70 x 36 begin 7/1/21; Base
3/3 payments
last claim:10-1, bar date:8/18/21
Matter ResolvedRequest
Adjourment
989/15/2021 10:00 am21-14868 / CMGCarrie J. Boyle, Esq.Confirmation Hearing ScheduledContinued
11/17/2021 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $194.00  
mk: still needs appraisal and to resolve dispos income

As of 9/9/21 (DS): 1. BELOW ISSUES STILL REMAIN UNRESOLVED.

As of 8/11/21 Debtor attorney requested adjournment to get appraisal for vehicle.

8/18/21 (DS): 1. Trustee obj to the following:
- Need copy of HUD for the Browns Mills property sold in April 2021. HUD provided 9/9/21 shows Debtor received $18,059.33 on 4/22/21.
- Debtor must provide 2 month's income and amended Sched I and J by 1/31/22.
- Verified income leaves monthly disposable income of $519.18. Schedules fail to account for the debtor's tax refund in the amount of $1,874 when determining disposable income.
- There is $11,658 in non-exempt equity in the claim against Josh McEachin along with $18,059.33 non-exempt proceeds from the sale of the Browns Mills property.
- Must resolve objection by Hyundai Capital.
- Must file Pre-confirmation certificate.
- Need order to allow adequate protection payments $75 to Hyundai Capital.

2. Hyundai Capital (MORTON) obj to cram. Obj must be resolved.

3. IRS and State of NJ both filed estimated claims. Claims must be resolved.

Prop Plan $194 x 60 begin 7/1/21; Base plus non-exempt proceeds from default claim against Josh McEachin
Note: Amended attorney disclosure filed 8/10/21.
Matter ResolvedRequest
Adjourment
999/15/2021 10:00 am21-14884 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,091.00  
MK: the Irs POC is no longer estimated see
POC filed 7/21/21.

issues as of 8/11/2021 (JMA)

1) US Bank (McCalla Raymer) objection to confirmation - need to resolve
-arrears $10,538.41
2) Trustee objection to confirmation - need to resolve
-updated auto insurance, policy provided expired 7/5/2021
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is non exempt equity on real property in the amount of $27,360.11
-must resolve creditor objection
-must file pre confirmation certification with Court
3) IRS priority claim is estimated - need to resolve

proposed plan $1,091x60 begin 7/1/2021 100% plan
paid in $1,091
arrears $1,091
last claim 6
Matter ResolvedRequest
Adjourment
1009/15/2021 10:00 am21-14940 / CMGCarrie J. Boyle, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $521.00
As of 9/14/21(mk):Updated

**CAN REC CONFIRM AT $390 PTD, THEN $131 X 57 ,BEGIN 10/1/21.BASE W/ MIN TO GUC $,7040 DUE TO EQUITY IN REAL PROPERTY; Creditor M & T bank, claim #16-1 shall be treated per plan provision as current/outside and will not receive distribution on the secured or unsecured portions of the claim. **


1. fee is hourly. Plan has -0- so not even an estimate for future fees so non are in the calculation.

2. Trustee Objection:
- $7,040 in non exempt equity in real property..(Protect T/H)
------------------------
- IRS ESTIMATED POC Priority & GUC. APOC FILED -0-
No returns filed for 2015,2016,2018 & 2019
-need to file pre conf cert.(filed)
-Need Updated CMA- CMA provided only has comps from 10/2019 -
6/2020.


Plan:$130 X 60 BEG 7/2021; BASE
3/3 payments
last claim:18-1,bar date:8/25/21
Matter ResolvedRequest
Adjourment
1019/15/2021 10:00 am21-15049 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 4 of 4 required payments   Arrears: $0  

AMT: MP DOC #18 FILED 9/14<<<>>>

AS OF 9/2/21 (SF) -


RECOMMEND $1650 PTD, $631 X 57 (BEGIN 10/1/21) BASE W/MIN $31,420 TO GUCS PER EQUITY IN REAL ESTATE
- OK TO PAY ARREARS CLAIM 10-1 FOR PINGORA LOAN SERVICING
- OK TO PAY ARREARS CLAIM 7-1 FOR NISSAN-INFINITI
- FILE PRE-CONFIRMATION CERT WITHIN 10 DAYS
- FILE FEE APPLICATION FOR HOURLY FEES WITHIN 7 DAYS OF ENTERED CONF ORDER


1. Pingora Loan Servicing filed arrears claim 10-1 for $2173 which is not addressed in plan (OK TO PAY?)

2. Nissan-Infiniti filed arrears claim 7-1 for $257.14 not addressed in plan (OK TO PAY?)

3. Trustee objection:

- There is non-exempt equity on real property $31,420.
- Must file Pre-confirmation certificate.

4. Must file fee application for hourly fee.

Plan proposes $550 x 36 Base
Payments: 2/2

RESOLVED:
- Need a copy of the homeowner's insurance renewal declaration - if not confirmed by 8/18/21, insurance expires 8/29/21. (RECEIVED)
Matter ResolvedRequest
Adjourment
1029/15/2021 10:00 am21-15135 / CMGLAURENCE R SHELLER, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $2,629.00  Total Paid In: $4,723.00
9/14/21(mk): atty says uploaded bk statements & lease. Plan can be 100% which resolves expenses.atty ok

**REC CONFIRM AT $4,414.50 PTD, Then $1,838 x 57 begin 10/1/21 100%. **


As of 9/7/21 (DS): 1. BELOW ISSUES STILL UNRESOLVED, NO DOCS PROVIDED.

2. No claim filed by State of NJ for taxes owed.

As of 8/30/21 (DS): Debtor attorney requested adjournment to pass bar date 9/1/21

9/1/21 (DS): 1. Trustee obj to the following:
- Need June bank statements from PayPal and Bank of America accounts with balances (PayPal statement provided but gives no balance in acct.), written lease (lease provided is not full lease and does not list landlord and Debtor and has no signature pages), proof of health insurance payment and copy of divorce and property settlement agreement, once it has been finalized.
- Excessive expenses on Schedule J such as: $2,500 rent (need proof), $600 Food for one person and $532 Health insurance (need proof).
- Verified income leaves disposable income of $2,987.33.
- Reviewed 22C Line 16 (taxes) should be $2,126 (June taxes/by 6), Line 23 $250 allowed $75 and Line 25 health insurance $532 (need proof). Per the 22C disposable income is $4,374 which requires a minimum dividend of $262,440 to gucs. TOTAL GUCS $43,990.50.

Prop Plan $1,838 x 60 begin 7/1/21; Base
Note: DSO Form provided.
Matter ResolvedRequest
Adjourment
1039/15/2021 10:00 am21-15221 / CMGRUSSELL L LOW, ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $2,282.00
9/9/21(mk):Updated- Atty ok to terms

>>Plan can complete in 36 mos at 100% rather than 60.

***CAN REC CONFIRM AT $1,711.30 PTD,THEN $570 x 33 BEGIN 10/1/21; 100% PROTECT EQUITY T/H IN REAL PROPERTY OF $107,894;
Strike cram of provisions for Wells Fargo and Woodbridge Township from Part 4 d of plan.
Wells Fargo will be paid at total of $3,318.97 per Consent Order.
Township of Woodbridge will be paid the per plan amount of $7,092.86 until they file a proof of claim by 12/22/21.
Trustee to receive all non exempt proceeds from personal Injury claim.
Must file pre conf cert. w/in 10 days.
plan shortened from 60 mos to 36 months.***

1.Trustee objection:
- MP for clarification of treatment of mortgage ( THIS WAS RESOLVED BY CO SUBMITTED 9/9- PAY TOTAL $3,318.97- SO NEED TO STRIKE CRAM FROMPART 4d.
ALSO per plan tax to Woodbridge T'ship. Will list plan amt . at 7,092.86 as no POC filed yet and gov bar not till12/22/21. STRIKE CRAM FROM PART4d.
-As of now, there is non-exempt equity in real property $107,894. PLAN IS 100%
- Add to confirming order non-exempt proceeds from PI lawsuit.
- Must file Pre-confirmation certificate
------------------------------------
2..Objection by Wells Fargo(Logs Legal): RESOLVED: CO submitted 9/9/21: PAY POC $ 2,913.55 interest for total amt $3,318.97


Plan:$570.30 x 60 begin 7/1/21; 100%
Bar date 9/3/21
3/3 payments
Matter ResolvedRequest
Adjourment
09/15/2021 10:00 am21-15222 / CMGRUSSELL L LOW, ESQConfirmation Hearing ScheduledOrder Previously SubmittedDebtor has made 3 of 4 required payments   Arrears: $2,115.00  Total Paid In: $6,345.00
AS OF 9/7/2021 (at):

CASE WAS ALREADY CONFIRMED ON 9/1/2021.

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

Plan proposes: $2,115 x 60 beginning 7/1/2021, base
Payments: 1/2, arrears $2,115
Matter ResolvedRequest
Adjourment
1049/15/2021 10:00 am21-15526 / CMGGRAIG P CORVELEYNConfirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $200.00  
AS of 9/7/21(mk):

atty /debtor has $



1. NO PAYMENTS(0/2)
2. NO 341.
3. Objection By Bank Of America(Milstead)
Matter ResolvedRequest
Adjourment
1059/15/2021 10:00 am21-15592 / CMGSTEPHEN M ZULLO, ESQConfirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 3 required payments   Arrears: $0  

mk atty has proof of funds &MP filed 9/14/21 see what date ct give MP


NO PAYMENTS(0/2)


Amended i & J and 122c filed 9/14/21


AS OF 9/7/021 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - prior to confirmation. (RECEIVED)
- Need car insurance prior to confirmation. (NOT RECEIVED)
- Need June and July bank statements for
Bank of America checking and savings accounts. (NOT RECEIVED)
- A Modified Plan that completes part 5 (unsecured claims). (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):
- Reviewed the 22C, Line17 (involuntary deductions should be $1,162 and Line 34
(mortgage arrears) should be $0 as it is a loan mod plan. Per the 22C, monthly
disposable income is $675 which requires a minimum dividend of $40,500 to general
unsecured creditors.
- Need to file Pre-Confirmation Certification. (NOT FILED)
- The attorney's fees in the plan and disclosure statement do not agree. One of these must
be amended. (NOT AMENDED)

Plan proposes: $1,252 x 60 beginning 7/1/2021, loan mod by 11/8/2021, part 5 of plan is blank
Payments: 0/2, arrears $2,504
Matter ResolvedRequest
Adjourment
1069/15/2021 10:00 am21-15602 / CMGBRIAN L HOFFMAN, ESQConfirmation Hearing ScheduledContinued
10/20/2021 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $302.00  
Debtor attorney requested adjournment, mod plan filed 9/9/21, amended Sched I & J and 22c filed 9/9/21 and docs provided, need time to review.

As of 9/2/21 (DS): 1. Trustee obj to the following:
- Need current CMA and Deed or contract for Disney Vacation Club.
- Plan does pay mortgage arrears $19,166.96 and non-exempt equity.
- Debtor has undertaken improper exemptions on d(1). Debtor cannot claim d(1) property since Deed is in co-debtor's name as unmarried.
- Disposable income verifies $1,294.06 when deducting excessive expenses and tax refund $3,103 not listed on Schedule I.
- Excessive expenses on Schedule J such as: Food $1,750 and Transportation $800.
- There is non-exempt equity on real property $23,882.10, Capital One acct $1,043.53, PNC acct half interest $972.46 and Disney Vacation estimated $2,610(pending proof of value and determining if joint acct).
- Must resolve creditor objection.
- Must file Pre-confirmation certificate.

2. Specialized Loan (PLUESE, BECKER & SALTZMAN) obj to plan not paying arrears, POC filed with arrears.

Prop Plan $163 x 36; Base
Matter ResolvedRequest
Adjourment
1079/15/2021 10:00 am21-15629 / CMGSCOTT E KAPLAN ESQConfirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 9/8/2021 (JMA)

1) 341 not held, not rescheduled - has not provided documents for 341 hearing
2) Current with Trustee plan payments
Matter ResolvedRequest
Adjourment
1089/15/2021 10:00 am21-15667 / CMGMarc C. Capone, Esq.Confirmation HearingContinued
10/20/2021 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $417.00  
Matter ResolvedRequest
Adjourment
1099/15/2021 10:00 am21-15782 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledContinued
10/20/2021 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $242.00  
As of 9/7/21(mk): Should Be Adj to after Bar date.
as of now, no mtg POC filed yet.



1.Objection By Freedom Mtg.(Brock & Scott):
plan fails to pay arrears and has unaffected.

2. BMW Fin. filed arrears $30 POC #5-1- OK TO PAY?
plan has creditor as Alphera Fin

3. Trustee Objection:
-need Proof of 2 month's income - from non-filing spouse, such as a
letter from employer.(letter from spouse says he does not get pay stubs- he is pd in cash..)
-need 2020 Tax return with all pages.
-need 2 months bank statements from Bank of America checking
accts#3232 and #5085 prior to filing date.
-need Amendments to Schedules B and C to add correct year for BMW
SUV and add 2010 BMW Sedan.
-As of now, there is estimated non-exempt equity on real property
$13,618.96, non-exempt equity on vehicle not listed on Sched B
(pending amended Sched B and C), non-exempt equity in
Bank of America checking acct ending#4651 $88.26 and other 3 bank
accts (pending statements prior to filing date).
- need Bank of America value of certificate of deposit prior to filing
date.
- Must file Pre-confirmation certificate.(Filed).


Plan:$121 x 60 begin 8/1/21; Base
1/2 payments
last claim:6-1, bar date:9/24/21
Matter ResolvedRequest
Adjourment
1109/15/2021 10:00 am21-15832 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $462.00
as of 9/8/2021 (JMA)

1) To resolve Trustee objection need to confirm at $154x60 with minimum $3690 dividend to general unsecured creditors
-must file Pre Confirmation Certification with Court within 10 days of confirmation
2) Trustee objection to confirmation - need to resolve
-must file Pre Confirmation Certification

proposed plan $154x60 minimum $3,690 dividend to gucs
paid in $154
arrears $154
no claims to date

Matter ResolvedRequest
Adjourment
1119/15/2021 10:00 am21-15856 / CMGDaniel Straffi, Esq.Confirmation Hearing ScheduledContinued
11/17/2021 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 9/7/2021 (at):

1. 341 has not been held rescheduled. NOW ON FOR 10/7/21
2. Payments: 2/2
Matter ResolvedRequest
Adjourment
1129/15/2021 10:00 am21-15874 / CMGRUSSELL L LOW, ESQConfirmation Hearing ScheduledContinued
10/20/2021 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 9/7/2021 (at):

NEED TO REQUEST AN ADJOURNMENT OF THE CONFIRMATION HEARING.

1. 341 is scheduled for 9/30/2021
2. Payments: 2/2
Matter ResolvedRequest
Adjourment
1139/15/2021 10:00 am21-15911 / CMGRUSSELL L LOW, ESQConfirmation Hearing ScheduledContinued
10/20/2021 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $1,332.00  
As of 9/13/21 (DS): Debtor attorney requested adjournment, 341 sched 9/23/21, proof of payment of $470 M.O.
Matter ResolvedRequest
Adjourment
1149/15/2021 10:00 am21-16188 / CMGEdward Wiercinski, Esq.Confirmation Hearing ScheduledContinued
10/6/2021 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 9/7/2021 (JMA)

1) 341 rescheduled for 9/16/2021
2) Modified plan filed and scheduled for 10/6/2021
3) Not updated with Trustee plan payments, arrears $1,895
Matter ResolvedRequest
Adjourment
1159/15/2021 12:00 pm17-13713 / CMGAllen I. Gorski, Esq.Motion CompensationGrantedTotal Paid In: $19,362.00
Matter ResolvedRequest
Adjourment
1169/15/2021 12:00 pm17-28430 / CMGDaniel Straffi, Esq.Motion CompensationGrantedTotal Paid In: $36,854.00
Matter ResolvedRequest
Adjourment
1179/15/2021 12:00 pm17-32236 / CMGWILLIAM S WOLFSON, ESQMotion CompensationWithdrawnTotal Paid In: $30,473.00
Matter ResolvedRequest
Adjourment
1189/15/2021 12:00 pm18-32967 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $32,661.00
Matter ResolvedRequest
Adjourment
1199/15/2021 12:00 pm19-25037 / CMGEric ClaymanMotion CompensationGrantedTotal Paid In: $9,945.00
Matter ResolvedRequest
Adjourment
1209/15/2021 12:00 pm19-32722 / CMGEric ClaymanMotion CompensationGrantedTotal Paid In: $24,911.00
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes