Judge Christine M. Gravelle
Hearing Date: 9/21/2022
Hearing Count: 161
Last Updated: 09-28-2022 06:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
19/21/2022 9:00 am13-37643 / CMGKirsten B. Ennis, Esq.Motion Reopen Ch. 13 Case (fee)Withdrawn
mk: per email from Debtor's atty- motion is being w/d

MTN TO REOPEN TO CONTEST STUDENT LOANS NJHESAA/NJCLASS; and AES/PNC Bank(EDWARD HANRATTY)

TR Objection- case closed 2018 - what's basis for challenge of std loans 4 yrs later?.

>>Needs a substitution of atty for Hanratty ?to be counsel. he filed the motion
Matter ResolvedRequest
Adjourment
29/21/2022 9:00 am17-28305 / CMGAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $45,359.00
9/21/22(mk); Funds posted this am

9/19/22(mk): atty email says debtor made
the payment of $3528. NEEDS TO POST BEFORE I CAN W/D MOTION.


Debtor obj,>> non-debtor spouse pension loan to pay arrears<>ARREARS (3,528 as of 9/16/22. last pay 9/9/22) (conduit case)

MK: debtor will be current by 9/21/22

Matter ResolvedRequest
Adjourment
39/21/2022 9:00 am17-35544 / CMGDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/19/2022 9:00 am
Total Paid In: $15,650.00
9/14/22(mk): emai to atty for LM status.ATTY reply- has confirmed w/ lender they have required docs and are under review. needs 30 days

Debtor obj, submitted new LM pkg<>FAILED TO LM by 7/1/18, EXT LOSS MIT EXPIRED 12/18/18

case is in month 57
5/14/22: Debtor submitted new loan package and its under review.
Matter ResolvedRequest
Adjourment
49/21/2022 9:00 am18-15729 / CMGPATRICK MOSCATELLO, ESQCreditor Certification of DefaultContinued
10/19/2022 9:00 am
Total Paid In: $42,804.00
Debtor obj<> US BANK TRUST/Edison St (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
59/21/2022 9:00 am18-22906 / CMGSteven J. Abelson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $14,560.00
SV/WELLS FARGO

on Ford mustang(#8-1)

Mk motion to expunge POC #8 was granted on 9/7/22 can w/d this motion
Matter ResolvedRequest
Adjourment
69/21/2022 9:00 am18-27055 / CMGJames J. Cerbone, Esq.Creditor Certification of DefaultContinued
10/5/2022 9:00 am
Total Paid In: $47,452.00
Debtor obj<> SELENE FINANCE/Gordons Corner (RAS)
Matter ResolvedRequest
Adjourment
79/21/2022 9:00 am18-30451 / CMGRonald I. LeVine, Esq.Creditor Certification of DefaultContinued
10/19/2022 9:00 am
Total Paid In: $27,563.00
TRUSTEE WILL REC CONDUIT ON THIS- credtor atty to send info

Debtor obj<> SELENE FINANCE/Fisher Ave (Stern & L)

8/17/22>>Payment history w/in 21 days and response w/in 7 day before next hearing
Matter ResolvedRequest
Adjourment
89/21/2022 9:00 am18-31202 / CMGPHILIP R KAUFMAN, ESQCreditor Certification of DefaultContinued
10/19/2022 9:00 am
Total Paid In: $33,000.00
Debtor obj<> CARRINGTON MTG/Cumberland Rd (Hill Wallack)
Matter ResolvedRequest
Adjourment
99/21/2022 9:00 am19-11444 / CMGStacey L. Mullen, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $19,276.00
Debtor obj<> CENLAR/Seneca Trail (Stern & L)
Matter ResolvedRequest
Adjourment
109/21/2022 9:00 am19-16714 / CMGCandyce I. Smith-Sklar, Esq.Motion File Claim After Claims Bar DateDeniedTotal Paid In: $28,297.00
9/15/22(mk) email to atty- PER ATTY MARK AS DENIED

MTN TO ALLOW NJ LATE POC #6-1 TO BE PD IN THE PLAN

mp FILED 9/1/22 SEEKS TO VOID THE judgment
under 522(f)- This will be stricken form plan now that motion is denied.

9/1/22:RESPONSE(#101) BY CREDITOR- TO MOTIONTO AVOID LIEN THEY ARE IN PROCEES OF VACATING THE JUDGMENT W/DING THE CLAIM AND THEN THIS MOTION WILL BE MOOT OR DENIED
Matter ResolvedRequest
Adjourment
119/21/2022 9:00 am19-16714 / CMGCandyce I. Smith-Sklar, Esq.Motion Avoid LienDeniedTotal Paid In: $28,297.00
9/15/222(mk) email to atty- PER ATTY MARK AS DENIED

Tr obj; State on NJ response (Pressler)<>MTN TO AVOID LIEN/NJ OFFICE OF SPECIAL COMPENSATION FUNDS (DJ-28004-2012)

9/1/22:RESPONSE(#101) BY CREDITOR- THEY ARE IN PROCEES OF VACATING THE JUDGMENT W/DING THE CLAIM AND THEN THIS MOTION WILL BE MOOT OR DENIED

mk: parag 3 of debtor cert is not accurate

>>>Mk: Motion to allow late claim (6-1) filed on behalf of NJ Dept of labor and workforce dev. for special Comp. funds on for 9/21/22
Matter ResolvedRequest
Adjourment
129/21/2022 9:00 am19-17960 / CMGStephanie Ritigstein, Esq.Motion Reinstate StayGrantedTotal Paid In: $28,197.00
MTN TO REINSTATE STAY/BANK UNITED,CARRINGTON MTG

MK: debtor says now current post pet.
Matter ResolvedRequest
Adjourment
139/21/2022 9:00 am19-19102 / CMGJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayContinued
11/2/2022 9:00 am
Total Paid In: $8,026.00
Debtor obj<>SN SERVICING/Stony Brook Way (FRIEDMAN VARTOLO)
Matter ResolvedRequest
Adjourment
149/21/2022 9:00 am19-20477 / CMGTHOMAS J ORR ESQCreditor Certification of DefaultOrder to be SubmittedTotal Paid In: $17,152.00
Debtor obj<> FREEDOM MTG/Yubas Ave (Brock & Scott)
Matter ResolvedRequest
Adjourment
159/21/2022 9:00 am19-23889 / CMGGeorge E Veitengruber IIIMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/5/2022 9:00 am
Total Paid In: $13,416.00
Debtor obj<>SV/US BANK TRUST

Mk: debtor says in trial LM- still need motion to restate stay- FILED & ON FOR 10/5/22.
Matter ResolvedRequest
Adjourment
169/21/2022 9:00 am19-25109 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
10/19/2022 9:00 am
Total Paid In: $37,329.00
Debtor obj<>WATERFALL VICTORIA GRANTOR TRUST (STEVENS & LEE)
Matter ResolvedRequest
Adjourment
179/21/2022 9:00 am19-27537 / CMGTHOMAS J ORR ESQMotion Relief from Co-Debtor StayContinued
10/19/2022 9:00 am
Total Paid In: $12,108.00
debtor obj.>>RUSHMORE LOAN/Country Club Road (FRIEDMAN VARTOLO)
Matter ResolvedRequest
Adjourment
189/21/2022 9:00 am19-30386 / CMGPeter E. Zimnis, Esq.Trustee Certification of DefaultContinued
10/19/2022 9:00 am
Total Paid In: $9,811.00
9/19/22(mk): debtro has a job. Atty has 1 stub. Told him need amended I & J and current POI and make a Sept and Oct payment before next hearing date of 10/19

MK: Need update for atty on income and arrears

Debtor obj, will pay<> ARREARS $2,200 as of 9/14/22 made 2 payments that posted for August.


>debtor may now have employment

mk: opp'n says will have $ before hearing

Matter ResolvedRequest
Adjourment
199/21/2022 9:00 am20-10176 / CMGJOSEPH ALBANESE, ESQTrustee Certification of DefaultContinued
11/16/2022 9:00 am
Total Paid In: $14,049.00
Debtor obj<> ARREARS

adj Peremptory 11/16 .

Matter ResolvedRequest
Adjourment
209/21/2022 9:00 am20-10176 / CMGJOSEPH ALBANESE, ESQMotion Relief from Stay (Fee)Continued
11/16/2022 9:00 am
Total Paid In: $14,049.00
GOLDMAN SACHS MTG /Peachtree Lane (PINCUS LAW GROUP)

TR cert also on 9/21/22

9/16/22(mk):creditor request for adj uploaded. adj to 11/16/22
Matter ResolvedRequest
Adjourment
219/21/2022 9:00 am20-11058 / CMGStephanie Ritigstein, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $48,958.00
9/19/22(mk): ATTY OK TO TERMS

AMT: TRUSTEE ORDER - $8,416 PTD (32); $420 X 4 BEG 10/1/22; $40,542.13 N/E PROCEEDS LUMP SUM BY 10/1/22; PLAN MODIFIED TO 36 MONTH BASE PLAN FOR TOTAL PLAN FUNDING $50,638.13, WHICH INCLUDES N/E PI PROCEEDS OF $40,542.13 (EMAIL TO ATTY)<<>>

------------
9/16/22(mk): ATTY sent proof of ck mailed to TN for $40,542.13. >ADJ For POSTING OT TR ORDER??

9/14/22(mk): atty reached out to PI atty to disburse the funds per the 8/17/22 Order.
-------------

8/10/2(mk): proceeds form PI case will pay off plan. That motion will be granted 8/17/22.

7/26/22(mk): Motion to Settle Dog Bite case on 8/17/22- TYR to receive NE proceeds
-PROB.>> SHOULD ADJOURN 30 DAYS TO MAKE SURE PROCEEDS HAVE POSTED TO CASE


7/12/22(mk):WHAT IS STATUS OF DOG BITE SETTLEMENT? MOTION TO APPROVE SETTLEMENT ON FOR 8/17/22

Debtor obj. increased expenses, requests recap<>

>> ARREARS $2,100 as of 7/11/22 LAST PAY 11/5/21

as of 6/8/22>>NO NOTICE OF SETTLEMENT OR MOTION HAS BEEN FILED FOR DOG BITE CASE<NEED STATUS


>>Per atty debtro has dog bit case- settle- needs time to file motion for approval ( sp counsel has already benn retained.

Matter ResolvedRequest
Adjourment
229/21/2022 9:00 am20-11935 / CMGKarina Pia Lucid, Esq.Motion CompensationRevised Order SubmittedTotal Paid In: $54,964.00
MOTION FOR COMPENSATION

TR Objection-- also we have no $ on hand and debtor is now deceased- Daughters of deceased debtor object to further fees. ATTY NEEDS TO SENT DAUGHTERS THE FEE APP

>>Motion to Continue Admin. filed-not sure both daughters are on board to continue case.

7/26/22:atty email. says did a lot more work on case dealing w/ debtor issues. DEBTOR HAS SINCE PASSED AWAY. Debtor's daughters going to sell RE and the debtor's spouse is going to live w/ daughter. I sent atty form for motion to continue administration. She says all creditor and plan will be paid off from sale

7/25/22(mk):
-flat fee case 4750
-requesting fees for 4449- invoice includes per conf work
-only thing that happened post conf was TR Motion for arrears.
invoice talks about LM - there was no LM
DEBTOR ARREARS ARE $6,505
Matter ResolvedRequest
Adjourment
239/21/2022 9:00 am20-11935 / CMGKarina Pia Lucid, Esq.Motion Motion (Generic) - Only use if no other event is applicableWithdrawnTotal Paid In: $54,964.00
TRT OBJECTION :Mk; THIS NEEDS TO BE W/D. FAMILY DOES NOT WANT TO CONTINUE THE CASE. TR MOTION TO DISMISS IS ON 10/5/22.

MTN TO CONTINUE ADMINISTRATION OF CASE

>>TR Motion 10/5/22. Arrears $9,207


>Other than Mtg- guc total is 16,260.97

MK: daughters are executors-does atty have wet signatures on the certification?
income in case was debtors soc sec and pension. Non filing spouse has soc sec & pension
arrears are 9,207 as of August
will need a Mp to sell if case is to continue
no listing agreement provided for proof of intent to sell.
Matter ResolvedRequest
Adjourment
249/21/2022 9:00 am20-16345 / CMGWarren Brumel, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $17,500.00
debtor opp'n>TOWD POINT MASTER FUNDING/ Dakota Ave (BROCK & SCOTT)

8/22/22: Order submitted-debtor to cure arrears by 8/31/22

8/17/22(mk): email from debtor atty . have a settlement subject to lender approval. Creditor will request adj. to finalize.
Matter ResolvedRequest
Adjourment
259/21/2022 9:00 am20-16483 / CMGWilliam H. Oliver, Jr., Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceGrantedTotal Paid In: $27,462.00
MTN TO APPROVE REFI

Revised order submitted at docket #122- that is the order to enter
Matter ResolvedRequest
Adjourment
269/21/2022 9:00 am20-16743 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Continued
10/19/2022 9:00 am
Total Paid In: $45,785.00
debtro opp'n>>SN SERVICING/Ensign Ave (FRIEDMAN)
Matter ResolvedRequest
Adjourment
279/21/2022 9:00 am20-16946 / CMGRobert Manchel, Esq.Trustee Certification of DefaultDismissedTotal Paid In: $11,630.00
NS 2nd call

Debtor obj, will pay<> ARREARS $4,204 as of 9/15/22. last pay 3/18/22
Matter ResolvedRequest
Adjourment
289/21/2022 9:00 am20-20977 / CMGStacey L. Mullen, Esq.Creditor Certification of DefaultContinued
10/5/2022 9:00 am
Total Paid In: $13,462.00
Debtor obj<> BOA/Hamilton Ave (Parker McCay)
Matter ResolvedRequest
Adjourment
299/21/2022 9:00 am20-21652 / CMGWilliam H. Oliver, Jr., Esq.Trustee Certification of DefaultContinued
10/5/2022 9:00 am
Total Paid In: $32,620.00
adj to 10/5 froMp or dismiss

Debtor obj<> ARREARS 8,890 as of 9/19/22. Made recent Aug. payment- Debtor wants Recap. NEED to know how debtor will be handling Creditor Cert of default.

Creditor. Van Hassel filed Cert of default on MTG- ON FOR 9/21/22.

>>9/7/22:prop listed w/in 2 weeks and then MP . if prop not listed stay vacated
Matter ResolvedRequest
Adjourment
309/21/2022 9:00 am20-21652 / CMGWilliam H. Oliver, Jr., Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $32,620.00
stay relief is to be granted - but only argument is on prospective or not. JUDGE NO Prospective Relief


**OST***Debtor obj<> CREDITOR, VAN HASSEL (G. Reiser, esq.)

OTBS By Legg
>>9/7/22:prop listed w/in 2 weeks and then MP . if prop not listed stay vacated. current w/ posy pet taxes

NEED PROOF THAT PROPERTY IS LISTED FOR SALE AND THAT DEBTRO IS CURRENT ON THE RE TAXES -fi not then Ct will grant stay relief
Matter ResolvedRequest
Adjourment
319/21/2022 9:00 am20-21698 / CMGAndrew Thomas Archer Trustee Certification of DefaultContinued
10/19/2022 9:00 am
Total Paid In: $7,650.00
Debtor obj, will pay<> ARREARS

9/20/22(mk) Atty had proof of $1,528. which will hit 9/21/22. she is still trying to get the $ seized from her bank acct

AS OF 9/15/22(mk): Arrears $3,071. Last pay 3/1/22
Matter ResolvedRequest
Adjourment
329/21/2022 9:00 am21-12295 / CMGRONALD E NORMAN, ESQMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $13,700.00
Debtor obj<>CITIGROUP MTG/ Algnquin Trail (PLUESE, BECKER)

9/20/21(mk): creditor email OTBS filed status chg
Matter ResolvedRequest
Adjourment
339/21/2022 9:00 am21-12306 / CMGCandyce I. Smith-Sklar, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
10/19/2022 9:00 am
Total Paid In: $7,729.00
Mk: atty supplied notices form Surrogate- surrogate gives 30 days for other relatives to respond and if nothing then Grandson, Previous Fortson is appt the Administrator

MTN TO CONTINUE ADMIN OF PLAN AFTER DEBTOR DEATH

-- Will Need Motion to expunge the claim(#11) due to SV, since case law says can't mofiy plan (to surrender) after debtor death)

>.ADJ TO 9/21/22 - arrears cure -only Owes for Sept. Still WAITING FOR Letters of Admin for son to show authority to continue the case

Mk: -delay w/ Surrogate- have package -just waiting for certificate

MK: grandson as estate rep to continue case and pay plan payments- FILING A MP TO SURRENDER RE AS THERE IS NOW STAY RELIF GRANTED ORDER(#43) entered 3/22/22

>>NEED LETTERS OF ADMINISTRATION FOR GRANDSON, PREVIOUS FORSTON. IT WAS NOT ATTACHED TO HIS CERT.- email to atty3/23/22
mk: no response so filed objection 3/25/22.

Matter ResolvedRequest
Adjourment
349/21/2022 9:00 am21-13008 / CMGAndrew Thomas Archer Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/5/2022 9:00 am
Total Paid In: $31,149.00
8/2/22(mk) atty email - debtor acctant filing returns today-Motion to reduce IRS claim on 9/21/22

Debtor obj<>FAILED TO ADDRESS IRS EST CM #1-2u BY 3/8/22(no returns for 2015 & 2016

9/16/22: Arrears are $2,394. made a payment in August
Matter ResolvedRequest
Adjourment
359/21/2022 9:00 am21-13008 / CMGAndrew Thomas Archer Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $31,149.00
MTN TO REDUCE IRS GUC PORTION OF CLM #1-1 TO $16,365.74

mk: only served IRS by sending to E. O'Hagan
at us atty office in Nwk

Should serve aty general and IRS at the address for centralized Insolvency Operations PO Box 7346 Philadelpha, PA 19101

9/13/22(M): Amended POS on 8/29/22
Matter ResolvedRequest
Adjourment
369/21/2022 9:00 am21-14037 / CMGJohn Zimnis, Esq.Motion Relief from Stay (Fee)Continued
10/19/2022 9:00 am
Total Paid In: $7,619.00
Debtor obj<>NEWREZ/SHELLPOINT / Magnolia Lane (PINCUS LAW)

Mk: Order Approving Sale of Real Property entered 9/7/22

9/16/22(mk): creditor request to adj to 10/19. Parties are negotiating.
Matter ResolvedRequest
Adjourment
379/21/2022 9:00 am21-14608 / CMGMarcia Y. Phillips, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/5/2022 9:00 am
Total Paid In: $8,200.00
9/20/22(mk) Atty to appear and put issues on record. she has prepared a substi. of atty for debtor to appear pro se. BUT DEBTROS CORRESPONDECE TO CT REQUESTED DISMISSAL but he also requests Ct send him $ from old case.

Debtor letter to Judge-(on docket as Correspondence) wants to dismiss case- he still has not rec'd $ deposited in Ct from prior case(8,453 in case #19-12643).


ARREARS; FAILED TO FILE ORDER RESOLVING US BANK OBJ WITHIN 30 DAYS OF 6/1/22 CONF; FAILED TO FILE PRECONF CERT BY 6/15/22;

USBank filed APOC 7/13/22 arrears claim -0-
Matter ResolvedRequest
Adjourment
389/21/2022 9:00 am21-14868 / CMGCarrie J. Boyle, Esq.Trustee Certification of DefaultDismissedTotal Paid In: $1,264.00
mk: Per atty email - If $ posts or she has proof of payment she will appear and request adjournment. If not case can be dismissed.

Debtor obj, will make pymt<> ARREARS

mk: 9/14/22: arrears $1,642 Last pay 3/3/22
Matter ResolvedRequest
Adjourment
399/21/2022 9:00 am21-15049 / CMGEdward Hanratty, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
10/5/2022 9:00 am
Total Paid In: $9,040.00
MK Review w/ AR and Contact atty to further discuss

Tr obj: Debtor response<>MTN TO USE INHERITED FUNDS FOR EMERGENCY EXPENSES

9/19/2(mk): debtor cert of expenses filed (#74) no proofs attached .


9/7/22(mk): atty requested adj to 9/21/22 to provide more proofs. I requested a counter to TR offer to settle to trun over $25,000 of inheritance.

TR OBJECTION: MK: post pet inheritance(35,130) rec'd June 2022. Not disclosed till now w/ this motion to use inherited funds for emergency expenses totaling 31,000. No amended sch B & C filed-(FILED 9/2/22 after objection) this is post pet income.
it's prop. of the estate

TR will settle for turnover of $25,000 and debtor to keep rest. needs a Notice of Settlement and Motion to Approve Settlement.mk sent email reply to atty.
Matter ResolvedRequest
Adjourment
409/21/2022 9:00 am21-15090 / CMGLee M. Perlman, Esq.Motion Relief from Stay (Fee)Continued
10/5/2022 9:00 am
Total Paid In: $5,600.00
Debtor obj<>AMERICRED FINC (MORTON)
Matter ResolvedRequest
Adjourment
419/21/2022 9:00 am21-15463 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Continued
10/5/2022 9:00 am
Total Paid In: $16,175.00
Debtor obj<>CARRINGTON MTG / Greenland Ave (STERN LAVINTHAL)


MK: debtor has filed an appl. to extend Loss mit. Objection deadline is 9/15/22- ORDER WAS ENTERED- Loss mit extended 12/20/22
Matter ResolvedRequest
Adjourment
429/21/2022 9:00 am21-15911 / CMGRussell L. Low, Esq.Creditor Certification of DefaultGrantedTotal Paid In: $8,802.00
Debtor obj<> SLS/Marina Way ( Stewart LEgal)

9/19/22(mk):debtor opp'n was w/d Creditor COD now unopposed.
Matter ResolvedRequest
Adjourment
439/21/2022 9:00 am21-17017 / CMGEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/16/2022 9:00 am
Total Paid In: $21,727.00
9/19/22(mk): per atty says filled missing returns- still no APOC-will file motion to expunge IRS poc !11/16/22 date is preemptory

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


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

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

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

UPDATED POI BY 3/31/22, (Provided)
Matter ResolvedRequest
Adjourment
449/21/2022 9:00 am21-17232 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
FAILED TO FILE MP BY 8/22/22 PER ORDER DOC #58 VACATING CONF ORDER

as of 9/16/22 2:30 PM NO MP filed
Matter ResolvedRequest
Adjourment
459/21/2022 9:00 am21-17278 / CMGWARREN LEVY, ESQ.Trustee Certification of DefaultContinued
10/5/2022 9:00 am
Total Paid In: $3,868.00
Debtor obj<> ARREARS as of 9/14/22 $4,480.86. Last pay 4/29/22


mk:Opp'n ;.I think.. attached a check but copy is not legible
Matter ResolvedRequest
Adjourment
469/21/2022 9:00 am21-18218 / CMGScott D. Sherman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/19/2022 9:00 am
Total Paid In: $3,044.00
ARREARS$ 2,648

mk: debtor needs time to become current
Matter ResolvedRequest
Adjourment
479/21/2022 9:00 am21-18301 / CMGFREDERICK J SIMONMotion Relief from Stay (Fee)Continued
11/2/2022 9:00 am
Total Paid In: $10,791.00
PHH MTG/ Manton Ave (ROBERTSON, ANSCHUTZ)

MK; Per AJ- adj to 11/2 for insurance refund
Matter ResolvedRequest
Adjourment
489/21/2022 9:00 am21-18712 / CMGBrian W. Hofmeister, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
12/7/2022 9:00 am
Total Paid In: $2,400.00
FAILED TO LM BY 8/1/22

Mk: debtor in process of obtaining a LM need 60 days.
Matter ResolvedRequest
Adjourment
499/21/2022 9:00 am21-18965 / CMGKevin C. Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/19/2022 9:00 am
Total Paid In: $3,456.00
Debtor obj<>FAILED TO ADDRESS AYESHA MORGAN LATE FILED CLM & DISCOVER FINANCIAL PER PLAN CLAIM

9/14/22(mk): debtor reply - no longer owes A. Morgan. atty will move to expunge claim. Atty working on CO w/ Discover Fin.
Matter ResolvedRequest
Adjourment
509/21/2022 9:00 am21-18995 / CMGRussell L. Low, Esq.Motion Relief from Stay (Fee)Continued
10/19/2022 9:00 am
Total Paid In: $2,000.00
Debtor obj; Midfirst response<>MIDFIRST BANK / Vine St (GROSS POLOWY)

debtor says: in process of LM. orig package not rec'd by lender so lender gave opportunity to submit new package.


9/16/22: creditor adj request to 10/19b/c creditor is reviewing loss mit package

Matter ResolvedRequest
Adjourment
519/21/2022 9:00 am21-18995 / CMGRussell L. Low, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $2,000.00
Debtor obj<> ARREARS as of 9/14/22 $400. made recent Sept payment.

Mk: debtor will pay $400 before hearing- had proof - come out of acct 9/21/22
Matter ResolvedRequest
Adjourment
529/21/2022 9:00 am21-19215 / CMGJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $4,500.00
Debtor obj<>FREEDOM MTG (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
539/21/2022 9:00 am21-19455 / CMGTAMIKA N. WYCHE, ESQ.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $12,495.00
FAILED TO LM WITH BANK OF NY & US BANK TRUST BY 7/26/22; FAILED TO REGISTER FOR TFS/EWAGE WITHIN 10 DAYS OF 7/6/22 CONF; ARREARS as of 9/15/22 $7,835. Made an august payment 4,000
Matter ResolvedRequest
Adjourment
09/21/2022 9:00 am21-19544 / CMGPeter J. Broege, Esq.Certification of No ObjectionOrder Previously SubmittedTotal Paid In: $1,400.00
9/15/22(mk)Order was submitted to chambers on the Notic of settlement-
Matter ResolvedRequest
Adjourment
549/21/2022 9:00 am22-10054 / CMGJeffrey E. Jenkins, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $2,000.00
debtor Opp'n; Creditor response>>AJAX MTG/Brians Way (PLUESE, BECKER

350 in atty fees to creditor atty- OTBS as to debtor's promises)
Matter ResolvedRequest
Adjourment
559/21/2022 9:00 am22-10109 / CMGJohn Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $2,000.00
FAILED TO PROVIDE COPY OF 2021 TAX RETURN TO TRUSTEE BY 5/31/22;

ARREARS as of 9/15/22 $6,000. Last pay 4/4/22
Matter ResolvedRequest
Adjourment
569/21/2022 9:00 am22-10429 / CMGYakov Rudikh, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $1,992.00
ARREARS $2,838 as of 9/15/22. Last pay 5/2/22); FAILED TO FILE AMD G WITHIN 10 DAYS OF 5/4/22 CONF TO ADD LEASE
Matter ResolvedRequest
Adjourment
579/21/2022 9:00 am22-11147 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $700.00
Debtor obj<>US BANK TRUST/Halliard Avenue (STERN & EISENBERG)
Matter ResolvedRequest
Adjourment
589/21/2022 9:00 am22-11197 / CMGKevin C. Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/19/2022 9:00 am
Total Paid In: $5,897.00
Debtor obj, under review<>FAILED TO LM BY 8/15/22

MK: LM package under review
Matter ResolvedRequest
Adjourment
599/21/2022 9:00 am22-11327 / CMGAdrian Johnson, Esq.Motion Relief from Stay (Fee)Moot - Dismissed
FAY SERVICING / Maryland Ave (FRIEDMAN VARTOLO)

Debtors motion to Dismiss case on 10/5/22

Order has prospective relief
Matter ResolvedRequest
Adjourment
609/21/2022 9:00 am22-11327 / CMGAdrian Johnson, Esq.Motion Cross MotionOrder to be Submitted
DEBTOR CROSS MTN FOR DISMISSAL
w/ a 180 day bar

Matter ResolvedRequest
Adjourment
619/21/2022 9:00 am22-11353 / CMGEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawn
MTN TO OBJECT POC#1

mk: debtor atty has filed a motion to vacate the foreclosure J'ment in State Court(mon cty-Chancery Div.) Debtor requests funds due of the claim #1-1 be "escrowed"/put on reserve until the St Ct has made a final determination on the motion to vacate the j'ment

the hearing in St Ct was scheduled for 8/26/22- WHAT HAPPENED? Per atty - Now on for 9/9/22
Matter ResolvedRequest
Adjourment
629/21/2022 9:00 am22-11841 / CMGJONI L GRAY, ESQMotion SellOrder to be Submitted
BSI Financial limited obj (Schwalb)<> MTN TO SELL WARREN WAY


>>creditor obj says ok as long as their llien is pd in full -

sale K $361,000 mtg (BSI Fin)payoff $327,298.46-(PER SHORT SALE AGREEMENT plus other liens held by NJ Housing & Dev & HUD --Has short sale approval from BSI Financial

Order leaves parag 6 blank as to proceeds - but it's a short sale - no exemption claimed by debtor
Plan is 100%(gucs$6,988.18)
Matter ResolvedRequest
Adjourment
09/21/2022 9:00 am22-11974 / CMGRoman Akopian Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Moot
MOTION GRANTED ON OST ON 9/7
Matter ResolvedRequest
Adjourment
639/21/2022 9:00 am22-11996 / CMGYakov Rudikh, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $1,542.00
ARREARS;$2,306 as of 9/15/22. PLAN NOT FEASIBLE DUE TO APEX BANK CLAIM #15-1 HIGHER THAN PROPOSED IN PLAN
Matter ResolvedRequest
Adjourment
649/21/2022 9:00 am22-12011 / CMGDavid E. Shaver, Esq.Motion Relief from Co-Debtor StayContinued
11/2/2022 9:00 am

PHH MTG / South Maplecrest Court (ROBERTSON, ANSCHUTZ)

MK: request for Loss Mit was filed 9/19/22. obj deadline is 10/3
Matter ResolvedRequest
Adjourment
659/21/2022 9:00 am22-12013 / CMGEugene Roth, Esq.Notice of Request for Loss MitigationGrantedTotal Paid In: $8,880.00
REQUEST FOR LOSS MIT
Matter ResolvedRequest
Adjourment
669/21/2022 9:00 am22-12339 / CMGLee M. Perlman, Esq.Motion Relief from Stay (Fee)Continued
10/5/2022 9:00 am
Total Paid In: $3,332.00
Debtor obj<>CARRINGTON MTG / heather Street (STERN LAVINTHAL)
Matter ResolvedRequest
Adjourment
679/21/2022 9:00 am22-12427 / CMGJohn Michael McDonnell, Esq.Motion Withdraw As AttorneyWithdrawn
mk: On 9/7/22: Judge adj confirmation to 9/21/22 and will issue an OSC as to why case should not be dismissed. ON 10/5/22 at 12:00PM

Also ruled that Ct would move this motion from 10/4/22 up to 9/21/22.
Matter ResolvedRequest
Adjourment
689/21/2022 9:00 am22-12982 / CMGDavid G. Beslow, Esq.Motion Relief from Co-Debtor StayOrder to be Submitted
SANTNADER /2013 LandRover (MORTON)
Matter ResolvedRequest
Adjourment
699/21/2022 9:00 am22-13096 / CMGGeorge E Veitengruber IIIMotion Relief from Co-Debtor StayContinued
11/2/2022 9:00 am

Debtor obj<>FAY SERVICING/ Pitch Pine Lane (FRIEDMAN VARTOLO)
Matter ResolvedRequest
Adjourment
709/21/2022 9:00 am22-13109 / CMGCandyce I. Smith-Sklar, Esq.Application to Extend Loss MitigationGrantedTotal Paid In: $2,800.00
Wilmington Svg obj (Stern & L)<>APPLICATION TO EXTEND LOSS MIT /New rez

>>MK: CREDITOR OBJECTION TO LOSS MIT WAS W/D so this is now unopposed.
Matter ResolvedRequest
Adjourment
719/21/2022 9:00 am22-13387 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Co-Debtor StayMoot - Dismissed
BANK OF NEW YORK MELLON / Albert Drive (KML)
Matter ResolvedRequest
Adjourment
729/21/2022 9:00 am22-13449 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
10/19/2022 9:00 am
Total Paid In: $1,250.00
9/9/22(mk) email from R. Switkes, esq. who rep landlord, Sean martin. he needs time to resolve claim issue with debtor's atty and Tr motion will be adj. to 10/19


FAILED TO FILE POC ON BEHALF OF LANDLORD AND MTN TO ALLOW LATE CLM WITHIN 15 DAYS OF 7/6/22 CONFR; FAILED TO FILE AMD PEITION WITHIN 10 DAYS OF 7/6/22 CONF TO REMOVE ANY REFERENCE TO PI MATTER
Matter ResolvedRequest
Adjourment
739/21/2022 9:00 am22-13728 / CMGAndrew Thomas Archer Motion Relief from Co-Debtor StayGranted
Debtor obj<>21ST MTG CORP / Burke Road (FRENKEL, LAMBERT)

conf on 9/21/22>REC Dismiss


>.MOTION TO MODIFY/EXPUNGE CLAIMS #7 & 8(for Peggy Katsoulis-DSO) ON FOR 10/5/22



Matter ResolvedRequest
Adjourment
749/21/2022 9:00 am22-14088 / CMGDAVID A. SEMANCHIK, ESQMotion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO CONTINUE ADMIN OF CASE AFTER DEBTOR DEATH

MK: spouse is Administrator of estate(no will) and will continue case.
Matter ResolvedRequest
Adjourment
759/21/2022 9:00 am22-14193 / CMGEugene Roth, Esq.Motion Relief from Stay (Fee)Order to be Submitted
LOANCARE/Mimi Drive (ROBERTSON, ANSCHUTZ)

MK: PTBS - Cure outside
Matter ResolvedRequest
Adjourment
769/21/2022 9:00 am22-14193 / CMGEugene Roth, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
LOSS MIT

Motion filed twice?
Matter ResolvedRequest
Adjourment
769/21/2022 9:00 am22-14193 / CMGEugene Roth, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGranted
LOSS MIT

Duplicate?
Matter ResolvedRequest
Adjourment
779/21/2022 9:00 am22-15422 / CMGGeorge E Veitengruber IIIMotion Approval to Participate in the Court's Loss Mitigation ProgramGranted
LOSS MIT
Matter ResolvedRequest
Adjourment
789/21/2022 9:00 am22-15847 / CMGNicholas Fitzgerald, Esq.Notice of Request for Loss MitigationGranted
Matter ResolvedRequest
Adjourment
799/21/2022 9:00 am22-16102 / CMGKarina Pia Lucid, Esq.Order Shorten TimeGranted
motion was adj so no longer short time. NO payments and no 341 scheduled( Adj request uploaded for 341 date).

INTERIM ORDER ENTERED 8/31/22. that extended stay to9/21/22.

>>OST>>Tr obj, not timely filed<> TO EXTEND STAY

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

as of 8/23/22 No Plan filed. Missing docs OSC On 8/30/22)&No 341 docs. uploaded
341 scheduled for 9/1/22- can't go forward

TR requests adjourning matter to 9/21/22 and interim order continue stay. to 9/21. Debtro to file a suppl. cert as support stating the change of circumstances.

Matter ResolvedRequest
Adjourment
809/21/2022 9:00 am22-16102 / CMGKarina Pia Lucid, Esq.Order Show CauseVacated
still Missing docs - schedules and no plan- FILED 9/20/22



Matter ResolvedRequest
Adjourment
819/21/2022 9:00 am22-16182 / CMGDavid G. Beslow, Esq.Order Shorten TimeContinued
10/5/2022 9:00 am

>>>OST<<(this has been adj a few times already

MTN TO EXTEND STAY TO ALL CREDS

Ct OSC( missing docs) On 9/20/222 and counsel filed a second extension so need to see what result was

Interim order to 10/5
Matter ResolvedRequest
Adjourment
829/21/2022 9:00 am22-16540 / CMGYakov Rudikh, Esq.Motion Impose Automatic StayWithdrawn
MTN TO EXTEND STAY ALL CREDS

MK: motion not timely per 362(c)(3)B. case filed 8/18/22

MK: will file a motion to reimpose the stay
Matter ResolvedRequest
Adjourment
839/21/2022 9:00 am22-16649 / CMGKevin C. Fayette, EsqMotion Extend TimeGranted
MTN TO CONTINUE STAY

mk: motion timely filed
Matter ResolvedRequest
Adjourment
849/21/2022 9:00 am22-16694 / CMGWARREN S JONES, JR ESQOrder Shorten TimeOrder to be Submitted
mk; to contact atty need an interim order extend to 10/5/22 and see if docs etc filed-- DONE 9/21/22 3:36


>>OST<<

MOTION TO EXTEND THE STAY

MK The motion was originally filed NOT on short time and listed for 10/5/22. I objected and then atty filed the short time motion. now will be timely.

>>asof 9/19/22 NO payments. NO PLAN . MISSING SCHEDULES and no 341 docs

CT OSC FOR MISSING DOCS ON 9/20/22.- adj to 10/4/22
Matter ResolvedRequest
Adjourment
859/21/2022 10:00 am20-13570 / CMGTAMIKA N. WYCHE, ESQ.Confirmation Hearing ScheduledConfirmedDebtor has made 26 of 30 required payments   Arrears: $0  
Total Paid In: $30,059.00
ISSUES AS OF 9/14/2022 (DM): updated 9/20/22- atty ok to terms(mk)

***To cure plan arrears, TRUSTEE RECOMMENDS CONFIRMATION AT $30,059 PTD, THEN $1,252 x 30 STARTING 10/1/22, $30,000 MINIMUM DIVIDEND, DEBTOR SHALL SIGN UP FOR TFS eWAGE WITHIN 10 DAYS***

 Debtor Certification Doc #43 filed - okay.

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


Confirmed Case: $4,908 Ptd, $1,140 x 55 start 9/1/20, $30,000 Min Div
Prop. MP: Ptd, $1,140 x 33 start 7/1/22, $30,000
PTD = $30,059
Last Claim (8-6) dated 6/8/21
Matter ResolvedRequest
Adjourment
869/21/2022 10:00 am20-17526 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 42 of 27 required payments   Arrears: $69.00  Total Paid In: $25,965.00
As of 8/29/22(mk):

**CAN REC CONFIRM AT $25,409 PTD, Then $625 x 34 Begin 9/1/22 Base w/ min div $32,407 Due to NE Equity. Must file fee app. for suppl. fees w/in 7 days of confirming Order.***



Mp Proposes:$25,409 PTD; $625 X 34 BEG 9/2022; MIN $32,407
MTG ARREARS REMOVED, LM COMPLETE
MONTHLY MTG PAYMENT INCREASED
LOWERED BASE DIVIDEND
LOWERED TRUSTEE PAYMENT
Matter ResolvedRequest
Adjourment
879/21/2022 10:00 am20-18578 / CMGKarina Pia Lucid, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 20 of 26 required payments   Arrears: $0  
Total Paid In: $8,720.00
updated 9/19/2022 (JMA)

to pay all claims and attorney fees, need to confirm at $8,720 paid to date, $446x15 begin 10/1/2022 base plan
-plan has been extended 5 months for a total of 41 months

issues as of 9/15/2022 (JMA)

1) Modified plan does not state date when plan payments begin, appears to extend the plan an additional 5 months, the case was confirmed as a 36 month plan with 10 months to go - email to debtors attorney to clarify
2) To confirm would need $8,720 paid to date, $472x10 begin 10/1/2022 base plan

proposed plan $445.88x15 base
paid in $8,720
10 months to go
Matter ResolvedRequest
Adjourment
889/21/2022 10:00 am20-23038 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 15 of 22 required payments   Arrears: $0  
Total Paid In: $21,395.00
ISSUES AS OF 9/14/2022 (DM): Atty ok with terms

***Student loan expense is being taken on Schedule J. TO CONFIRN, THE TRUSTEE RECOMMENDS $21,395 PTD, THEN $450 x 38 STARTING 10/1/22, BASE PLAN, STUDENT LOANS TREATED OUTSIDE THE PLAN, STRIKE PLAN TREATMENT OF CHRYSLER CAPITAL IN PART 7b, $4,000 SUPPLEMENTAL FEE APP SHALL BE FILED WITHIN 7 DAYS, DEBTOR SHALL SUPPLY TRUSTEE WITH UPDATED INCOME IN 6 MONTHS***

 8/16/22 Co-Debtor Certification (Doc #43) - debtor was cleared for duty on 6/15/22 but has not received any work assignments. Debtor's medical issue coincides with the date they started falling behind on Trustee payments. (dm)

8/16/22 - received email that debtor is no longer working which would change the calculation below (dm)

1) MP proposes improperly populates Chrysler Capital in Part 7b of the plan (STRIKE).

2) Need to provide 2020/2021 tax return (RECEIVED).

3) Need supplemental fee app for $4,000 in additional fees in the MP.

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


Confirmed Case: $4,080 Ptd, $1,430 x 55 start 5/1/21, $63,208 Min Div
Prop. MP: $1,020 x 4, $1,430 x 9, $635 x 5, $449.39 x 42, Base
PTD = $21,395
Last Claim (8-2) dated 2/15/21
Matter ResolvedRequest
Adjourment
899/21/2022 10:00 am21-15045 / CMGJames J. Cerbone, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 10 of 15 required payments   Arrears: $0  
Total Paid In: $27,781.00
AS OF 9/14/2022 (at):

RECOMMEND: $27,781 PAID TO DATE, $1,553 x 45 BEGINNING 10/1/2022, BASE WITH A MINIMUM OF $30,468 TO UNSECURED CREDITORS DUE TO NON EXEMPT EQUITY

MP proposes: $1,356 x 46 beginning 9/1/2022, not less than $21,793.80 to unsecured creditors
Arrears: $5,500

(Correcting the amount that is owed to the Internal Revenue Service.
The amount going to unsecured is based on the non-exempt equity of debtor's assets that are listed in the petition.)
Matter ResolvedRequest
Adjourment
909/21/2022 10:00 am21-16878 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
11/2/2022 10:00 am
Debtor has made 7 of 9 required payments   Arrears: $624.00  
ISSUES AS OF 9/14/2022 (DM): need status of closing and proceeds from sale.

 Motion to Sell filed for $645,000 - motion granted 9/11/22.
 Received listing agreement for $699,900.

1) Ally Capital filed $345.97 arrears claim on 2020 Kia Optima (OKAY TO PAY?? - Yes)

2) Trustee OBJ:
* Excessive Expenses - between Sch J and P&L: $450 car insurance (per bill it's $370 month); $835 cable/internet/phone; $2,100 health insurance (EXP AMENDED EXCEPT FOR HEALTH INSURANCE - JAN BANK STATEMENT SHOWS $2,043.52 BUT WE DON'T KNOW IF THAT IS EVERY MONTH OR EVERY 6 MONTHS WITHOUT DEC STATEMENT).

* Trustee objects to debtor's valuation of residence. Zillow and other sources have value at over $700,000. Needs current CMA with comps within the last 6 months (ADD ALL NON-EXEMPT PROCEEDS FROM SALE TO RESOLVE).

- Need Dec & Jan bank statements for TD account #5038 (RECEIVED JAN BUT NOT DEC).
- Need valuation for the debtor's business (SIGNED LETTER FROM DEBTOR ABOUT ACCOUNTING BUSINESS WITH NO EMPLOYEES AND VERY FEW ASSETS).
- Need to file Pre-Confirmation Certification (UNRESOLVED).

***RESOLVED ISSUES***

A) IRS amended its priority claim to $72,723.24 (MP TREATS)

B) IRS filed amended secured POC (5-2) in the amount of $29,918.85 not treated in the plan (POC 5-3 AMENDS TO $0 SECURED).

C) State of NJ filed secured judgment POC (1-1) in the amount of $2,490.87 not treated in the plan (MP PAYS AT SALE).

D) NJ Division of Taxation filed secured POC (6-1) in the amount of $5,677.48 not treated in the plan (MP PAYS SECURED PART AT SALE AND WANTS $3,329.86 PRIORITY PORTION PAID IN CASE #21-19851).

E) Trustee OBJ:
- Need proof of debtor's social security number (RESOLVED).
- Sale in 6 months (ADD NON-EXEMPT PROCEEDS FROM SALE).
- Need a MP that pays a dividend to GUCs due to sale plan (MP NOW A BASE).
- Debtor exceeded d5 exemption limit by $15,914 (AMENDED SCH C RESOLVES).


Prop. Plan $188 x 60, Base Plan
- sale of Popper St within 6 months
PTD 8/9 = $1,626
Last Claim (8-1)
Matter ResolvedRequest
Adjourment
919/21/2022 10:00 am21-18645 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 10 required payments   Arrears: $0  
Total Paid In: $5,900.00
AS OF 9/14/2022 (at):

RECOMMEND: $5,900 PAID TO DATE, $1,397 x 50 BEGINNING 10/1/2022, 0% TO UNSECURED CREDITORS

1. Need an order resolving stay motion and adding post petition arrears to the plan. 6,049.44 Post pet. into plan- atty says Consent order was submitted (RECEIVED)

MP proposes: $1,356 x 52 beginning 8/1/2022, 0% to guc's
Arrears: $2,247
(part 4a: adding post-petition mortgage payments to be paid through plan
part 8d: allowing trustee to pay post-petition debt)
Matter ResolvedRequest
Adjourment
929/21/2022 10:00 am21-19851 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
11/2/2022 10:00 am
Debtor has made 6 of 9 required payments   Arrears: $866.00  
AS OF 9/15/22 (SF) - Sale of property was to take place on 9/9/22. Has property been sold? Need new sale date?

RECOMMEND $1383 PTD, 67 X 51 BASE PLAN, SALE OF REAL ESTATE BY 9/9/22; N/E PROCEEDS WILL BE DISTRIBUTED UNDER HUSBAND'S CASE 21-16878
- IRS priority claim 4-3 will be paid at sale
- State of NJ claim 1-1 will be paid at sale
- State of NJ claim 11-1 will be paid at sale
- US Bank claim 12-1 will be paid at sale
- LOW BASE
- Must File Pre-confirmation Cert within 10 days


1. Trustee objection:
- need 2 months bank statements for periods November and December 2021
- must file pre conf cert.


Plan proposes $67 x 60 Base, Sale in 6 months
Payments:: 6/7 Arrears: $250

RESOLVED ISSUES:
- Objection filed by US Bank (Sherri Smith) - failure to pay arrears or monthly post-petition payments (3/15/22:OTBS-sale K w/in 90 days closing w/in 120 of the order. creditor to be pd in full from closing. Lien retained until paid off)(mk)
- Motion for Relief filed by US Bank scheduled for 3/16/22 at 9 (OTBS) There is an order resolving objection but where is the order resolving Motion for Relief? (RECEIVED) Debtor has 90 days to obtain Agreement of sale and 120 days to complete closing
- State of NJ Div of Employer Accts filed secured Judgment claim 1-1 for $2490.87, not addressed in plan (MP FILED)
- State of NJ Div of Tax filed secured claim 11-1 for $5677.48 not addressed in plan (MP FILED)
- Plan cannot be confirmed at 0% due to sale of real estate. Must be confirmed as a base plan.
- MP filed still need copy of listing agreement per notes in husband's case 21-16878 (RECEIVED)
- income verifies higher than scheduled, monthly disposable income $1,696.51 (USE INCOME FROM HUSBAND'S CASE)
- Trustee objects to debtor's valuation of residence. Zillow and other sources have value at Over $700,000.Needs current CMA with comps within the last 6 months. (NEED COPY OF LISTING AGREEMENT)
- Disclosure Statement does not state that fees were p
Matter ResolvedRequest
Adjourment
939/21/2022 10:00 am22-10540 / CMGJohn F. Bracaglia, Jr., Esq.Confirmation Hearing ScheduledContinued
10/19/2022 10:00 am
Debtor has made 164 of 8 required payments   Arrears: $0  

ISSUES AS OF 9/14/2022 (DM):

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

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

 7/28/22: Ray Lebron advises that debtor does not qualify for a Loan Mod. Options available are short sale or Deed in Lieu.

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

2) Trustee OBJ:
- Part 1e of the plan provides "prior to confirmation, debtor shall deposit to attorney's trust account $150,000 to be paid to the mortgage lender upon approval of a loan modification agreement." What is the source of this income? Not listed on bank statement - need explanation (MP PROPOSES A SHORT PAYOFF IN 60 DAYS).
-C Need CMA - doc provided fails to include comps from the area (MP PAYS 100% - ONLY $551 UNSECURED CLAIMS FILED).

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

- Form 122c fails to report income from the business the debtor owns - only shows draw which has not been supported with proof (CAN RESOLVE BY PAYING 100% TO $551 UNSECURED CLAIMS FILED).
- Excessive Expenses - Sch J: $400 home maintenance (allowed $200), $525 utilities,
$495 life insurance (need to provide statement), $350 health insurance (need to provide
statement), $705 car payment. Need proof of expenses 10 days prior to confirmation (CAN RESOLVE BY PAYING 100% TO $551 UNSECURED CLAIMS FILED).
- Business income from P&L statement not reported on Sch I - there is
$3,500 in rent paid from business to debtor and another month is $5,000 (business operated
out of debtor's home) - $21,816.34 income from Dec and Jan P&L averaged (CAN RESOLV
Matter ResolvedRequest
Adjourment
949/21/2022 10:00 am22-11054 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
11/2/2022 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0  

9/19/22(mk): atty uploaded filed returns last adj for the APOCs to get filed

AR MUST VERIFY TAX RETURN FILING
AS of 9/13/22(mk): Same as last time

>>Tax claims (IRS & St Of NJ) need to be resolved, then case can be worked up<<

>>LATE MTG CLAIM FILED BY Wells Fargo- plan pays arrears: GRANTED ON MOTION TO ALLOW THAT ALLOWS LATE CLAIM AND PAYS ARREARS.

1.ST. of NJ (NOT IN PLAN) filed claim (#7-1) - looks like there is estimated liability for priority taxes- Needs to be resolved

2.IRS filed POC (NOT IN PLAN)- THIS is also estimated.

3. Hyundai Capital filed arrears POC $2687.99- NOT IN PLAN- needs to be paid

4.. Trustee Objection:
- as of now,There is $22,263.18 in non-exempt equity in the residence (100% PLAN.


Plan: 1,578 x 60 100%
payments 3/3
bar date 4/20/22
Matter ResolvedRequest
Adjourment
959/21/2022 10:00 am22-11340 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
11/2/2022 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $300.00  
AS OF 9/14/22 (SF)

The plan does not appear to be feasible.

1. Objection filed by US Bank Trust National Assoc. (Sherri Smith) - Creditor does not state why they are objecting

2. Objection filed by Gentle Dental Providers (Lucas) - Plan does not appear to be feasible to pay claims at 100% unless both properties are sold. Debtor has negative income.

3. US BANK Trust filed a total debt claim 6-2 in the amount of $401301.95 which matured 6/1/2018.

4. IRS priority and unsecured claim 2-1 is estimated (NEED AMENDED CLAIM)

5. No claims filed for the Township of Lacey. Should these claims be stricken from plan? Gov bar date expired on 8/22/22

6. Trustee objection:
- The debtor has insufficient income . Verified income leaves monthly disposable income of -$2,253.42..
- The debtor has failed to file a feasible plan
- There is $348,221 in non exempt in the real estate.
- There is $19,860 in non exempt equity in the Mini Cooper.(Plan is 100%)
- There is also non exempt equity in bank accounts.
-Trustee to receive all non exempt proceeds from sale of real property .

Plan proposes $300 x 60 100% Sale of Manchester Ave property by 2/1/23
Payments: 5/6 Arrears: $600

RESOLVED ISSUES:
- Need Proof of social security income (RECEIVED)
- Need a statement for 2022 for social security
income.
Matter ResolvedRequest
Adjourment
969/21/2022 10:00 am22-11353 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 8 of 7 required payments   Arrears: $0  

sale closed-MP In 14 days

9/20/22(mk): CO submitted resolving New rez obj to conf below.Terms=debtro to cure arrears 17,277.41 and further pay off & satisfy the loan via sale of the property by 11/21/22. If RE not sold by then MP to pay arrears or surrender. if case dismisses - creditor gets prospective in Rem relief for2 yrs


9/9 workup for the 9/21 calendar EDC

-Per Hanratty house is still not sold for the 9/21 calendar. No need to keep case open since mortgages are only creditor EDC

MK;FYI OST Motion to sell on 8/17/22. K price $791,000.($801,000- 10,000 credit that reduced sale price- no equity per claims filed but motion has payoff amts less than claims.. and no one left to pay if sale closes as only creditors are the 3 mtgs .

8/8 workup EDC
801,000 IN ATTY REVIEW- CLOSING SET FOR AUGUST FIRST WEEK- SO ADJ TO 8/17/22 FOR CLOSING TO OCCUR---****ONLY CREDITORS ARE THE MORTGAGES


* motion for retention filed

* NewRez LLC d/b/a Shellpoint Mortgage Servicing (Hill Wallack) objection to confirmation - need to resolve
- pre petition arrears $328,868.94
- plan fails to provide for adequate protection payments pending sale of the property

* Trustee objection to confirmation:

--- Add Violent Crimes Compensation Board and separate potential malpractice claim to schedules.
--- Need to file a Modified Plan that adds all mortgages on real property. The current Plan does not specify treatment of of all mortgages on real property under the Plan.
- -- The circumstances and contents of the debtor 's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)(3).
--- All non-exempt proceeds to Trustee from potential claim against Violent Crimes Compensation Board and separate potential malpractice claim. Debtor 's counsel to amend schedules.(ADDED TO CONF ORDER)
--- Need recent mortgage statement from Wells Fargo Home Loan acct#0001, statement provided is dated 11/30/2011.
--- Need mortga
Matter ResolvedRequest
Adjourment
979/21/2022 10:00 am22-11851 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
11/2/2022 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $2,681.00  
AS OF 09/15/22(SF)

1. Objection filed by IRS (O'Hagan) - failure to provide for secured and priority claims in the plan (MP FILED AND NOW PROPOSES A CRAM BUT SERVICE IS IMPROPER. DID NOT SERVE US ATTORNEY AND US ATTORNEY GENERAL) STILL NEED SERVICE TO US ATTORNEY AT 970 BROAD STREET, SUITE 700, NEWARK, NJ 07102

2. State of NJ filed estimated priority claim 17-2 (STILL NEED AMENDED CLAIM)

3. The IRS filed secured claim 7-2 for $20,505.57 and priority claim for $19,820.82 which is not addressed in plan and makes plan infeasible. Payment will need to be increased.

4. Trustee objection:

-The schedules need to include the husbands monthly household contributions of approximately $1000 monthly. (No contribution affidavit provided)
(Debtor is separated)

Plan proposes $3648 PTD, $2681 x 57 x 60 0%
Payments: 3/4 Arrears: $2681

RESOLVED ISSUES:
-there is non exempt equity in real property in the amount of $55945.78, this cannot be a 0% plan. Also, debtor does not take a d(1) exemption. (DEED RESTRICTED PROPERTY, THERE IS NO EQUITY)
- Objection filed by SN Servicing/US Bank (Jonathan Schwalb) - failure to pay arrears of $87,921.80 and failure to provide for regular monthly mortgage payments. (MP FILED)
- State of NJ filed secured claim 17-2 for $5687.75 which is not addressed in plan (MP FILED)
- Objection filed by Pro Capital Management II, LLC (Shannon Burrini) - failure to pay tax sale cert in the amount of $1189.81 (MP FILED)
-need to file Pre Confirmation Certification with Court (FILED)
Matter ResolvedRequest
Adjourment
989/21/2022 10:00 am22-12011 / CMGDavid E. Shaver, Esq.Confirmation Hearing ScheduledContinued
11/2/2022 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $800.00  
9/14 workup for the 9/21 calendar

-MFR PHH mortgage on for 9/21
-PHH has objection to confirmation

-only $8000 in filed gucs. Can resolve some objections if agree to 100% plan EDC

*Trustee objection:

--- Cellphone & Apple watches $377 and Student loan payments $900 (requires proof that student
loans are being paid, 7 days before conf.)
---The debtor(s) is not paying all disposable income into the plan upon the Trustee 's review of the income and tax returns provided.
--disposable income $2,587.99, which would require minimum dividend $155,279 to
gucs. Bar date has passed 5/23/22, total gucs filed $7,625.35, plan should be 100% to gucs.
---Proof of income verifies higher, there is disposable income $757.
-- Must resolve IRS and State of NJ estimated tax claims.
-- Must resolve creditor objection.
--need accounting of the estate and any life insurance
insurance proceeds.(only received Funeral Bill so far for $16,000
--need copy of appraisal on mother's home(961 Neville has value of $385,000 1/3 interest in inheritance with $249,000 payoff---this leave equity of $28,363 since no exemption takesn)-Status of probate?
--need name of probate atty handling mother's estate.
-- Must file Pre-confirmation certificate.

* trustee to receive standard administrative expenses and part 3a of plan regarding the Trustee is to be stricken
p;roposes $400 x 60 begin 4/1/22; Base and Loan mod on South Maplecrest Ct by 9/30/22

-----------------------
Resolved:
-- need copy of Will of Teresa Vasarkovy (DONE)
---Amendments to Schedules B number 32 to add inheritance of debtor's mother. (DONE)
Matter ResolvedRequest
Adjourment
999/21/2022 10:00 am22-12013 / CMGEugene Roth, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $8,880.00
ok to confirm at $1,480x60 begin 4/1/2022 100%
-loan mod within 6 months of confirmation


ISSUES AS OF 9/16/2022 (DM): Trustee ready to recommend confirmation if RAS agrees to Loan Mod deadline that can be added to confirming order.

 7/6/22 MK: consent order received today on #1 - debtor needs time to finalize.

1) Wells Fargo (RAS) OBJs - $575,528.33 arrears - Loan Mod not offered or approved (MK: revised COTBS - terms per Loss Mit order - Loan Mod within 90 days or as extended. Adequate Protection directly to creditor - Trustee no pay arrears pending LM).

2) ACAR Leasing filed a car lease claim on 2015 GMC Acadia not treated in plan (ASSUME LEASE OR REJECT LEASE?? - MK: claim initially set up incorrectly as secured - it is unsecured and will be paid with other GUCs - lease rejected. I asked claims to fix the POC in our system).

3) Trustee OBJ:
- Must file Pre-Confirmation Certification (FILED).


Prop. Plan $1,480 x 60, 100% Plan, Loan Mod in 6 months
PTD 6/6 = $8,880
Last Claim (13-1)
Matter ResolvedRequest
Adjourment
1009/21/2022 10:00 am22-12735 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $300.00  Total Paid In: $1,200.00
AS OF 9/21/22 (SF) UPDATED

RECOMMEND $300 X 36 (BEGIN 5/1/22) BASE PLAN, LOAN MOD BY 12/14/22 OR AS EXTENDED BY COURT ORDER
- DO NOT PAY ARREARS OR RESERVE TO BANK OF NY MELLON
- OTBS WITHIN 30 DAYS RESOLVING OBJ BY BANK OF NY MELLON
- STRIKE PER PLAN CLAIMS FOR ACTLIEN HOLDING INC AND US BANK CUST FOR PC7FIRSTUST BANK

1. Objection filed by The Bank of NY Mellon (Jennings) - failure to pay arrears of $77,633.02 and speculative loan mod (OTBS) Must complete loss mitigation by 12/14/22 or as extended by court order

2. Loss mit order expires 9/1/22 (NEED STATUS OF LOAN MOD) extended to 12/14/22
0
3. Actlien Holding, Inc. and US Bank Cust for PC7 Firstrst Bank did not file claims (SHOULD CLAIMS BE STRICKEN FROM PLAN?)-- MK YES PER ATTY STRIKE


Plan proposes $300 x 36 Base, Loan Mod by 10/1/22
Payments: 4/5 Arrears: $300


RESOLVED ISSUES:
- Need a statement for the debtor's 401k loan. (RECEIVED) MOOT BECAUSE OF SS INCOME
Trustee objection:
- A copy of the homeowner's insurance renewal declaration - prior to confirmation. (RECEIVED)
9/20/22:mk: Per Aleisha Jennings: OTBS on #1 LM BY 12/14/22- - Order submitted 9/21/22
Matter ResolvedRequest
Adjourment
1019/21/2022 10:00 am22-12769 / CMGOtto J. Kostbar, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 6 of 5 required payments   Arrears: $0  

MP filed 9/20/22(#28)- ct will give date

ISSUES AS OF 9/16/2022 (DM): need App to Extend Loss Mit filed before Wed.

***RECOMMEND CONFIRMATION AT $200 x 60 STARTING 5/1/22, BASE PLAN, LOAN MOD WITH US BANK BY 9/1/22 OR AS EXTENDED BY LOSS MIT ORDER, TRUSTEE SHALL MAKE PAYMENT ON POC (8-1) PENDING THE LOAN MOD***

1) US Bank (KML) OBJs - $174,237.07 arrears (CONSENT ORDER ENTERED - LOAN MOD BY 9/1/22 OR AS EXTENDED BY LOSS MIT, TRUSTEE TO PAY ARREARS PER PLAN PENDING THE LOAN MOD).

2) Per amended IRS POC (2-3), there is a secured claim in the amount of $6,363.09. The debtors plan has motion to cram two secured claims in the amount of $4,565.14 and $3,977.33 - need to properly serve the cram (SERVED - DOC #27).

3) Trustee OBJ:
- Need proof of service with respect to cram of the IRS secured claim (SERVED - DOC #27).
- Need statements for the Venmo and Zelle accounts (DOCUMENT PROVIDED SHOWS A LISTING OF DEPOSITS AND WITHDRAWS WITH NO STARTING OR ENDING BALANCE).
- The tax refund of $1,004 was not prorated and included in disposable income calculation.

***RESOLVED ISSUES***

A) Trustee OBJ:
- The debtor has insufficient income (MOOT).
- Need Business P&L statements (RECEIVED).
- Need Business forms for container business listed on SOFA (RECEIVED).
- Need 2021 tax return (RECEIVED).
- Need Feb & Mar bank statements for PNC accts 3776 & 3768 (RECEIVED).
- Need a MP that removes the IRS from Part 4d (OKAY PER DM).
- Need amended SOFA to list attorney fees paid (FILED).
- Need to file Pre-Confirmation Certification (FILED).
- Need to resolve the estimated claim filed by the IRS (AMENDED TO $0).
- Need an updated P&L for the debtor by 7/31/22 (RESOLVED).


Prop. Plan $200 x 60, Base Plan
- Loan Mod by 9/2022
PTD 6/5 = $1,200
Last Claim (8-1)
Matter ResolvedRequest
Adjourment
1029/21/2022 10:00 am22-12831 / CMGVera Fedoroff, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 5 of 5 required payments   Arrears: $0  

9/19/22(mk):atty email says filed a MP today and amended I & J . and uploaded adj of this hearing-

AS OF 9/20/2022 (at):

MODIFIED PLAN FILED.

1. Objection filed by Wells Fargo (Brock & Scott) - property is worth $570,000 per their appraisal. Objecting to the strip off of the second mortgage. (UNRESOLVED)

RESOLVED ISSUES:

Objection filed by Selene Finance/US Bank (Hill Wallack) - failure to propose to cure arrears of $82,579.84. (Per POC) (RESOLVED - LOAN MOD BY 11/3/22 OR AS EXTENDED. DO NOT PAY TOWARDS ARREARS PENDING LOAN MODIFICATION. DEBTORS TO MAKE POST PETITION PAYMENTS OF $2,225.65 DIRECTLY TO SELENE)

The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - for Debtor or letter from employer "Shady Lakes Park"
stating he is employed and what he receives. (RECEIVED BANK STATEMENTS SHOWING ZELLE DEPOSITS FROM SHADY LAKE PARK)
- The debtor has failed to provide proof of service with respect to Plan Motion (s). (CERT OF SERVICE FILED)

Plan proposes: $150 x 36 beginning 5/1/2022, loan modification by 10/31/2022, base
Payments: 4/5, arrears $150
Matter ResolvedRequest
Adjourment
1039/21/2022 10:00 am22-12915 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
10/19/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

9/20/22(mK) atty office email.- tax retruns sent to IRS and filed motion to compel mtg co to honor LM on for 10/19- mtg co consents to adj to 10/19.-- wil adj PEREMPTORY on 10/19- told her to upload an adj request


As of 9/15/22(mk): SAME ISSUES AS LAST3 HEARINGS. case is 5 mOS old


9/7/22:MK;uploaded insurance adj 2 weeks to 9/21/22 .Still estimated IRS claims not addressed and mtg obj not addressed-feasibility remains an issue

>LOSS MIT TERMINATED ON 9/2/22

As of 8/22/22(mk): Nothing resolved

**PLAN DOES NOT APPEAR TO BE FEASIBLE*

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

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

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

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

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


Plan:$500 X 60 BEG 5/2022; LM BY 12/31/2022 (10 LIVINGTON CT); 100%
5/5 payments
bar date: passed
Matter ResolvedRequest
Adjourment
1049/21/2022 10:00 am22-12982 / CMGDavid G. Beslow, Esq.Confirmation Hearing on Modified PlanContinued
10/19/2022 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 9/15/22 (SF) Adj. Peremptory NFA


1. Objection filed by SN Servicing Corp/US Bank Trust (Jonathan Schwalb) - failure to pay arrears of $796,677.85 and fails to correctly provide for regular mtg payments in the amount of $5448.86 and speculative loan mod. (MUST RESOLVE) (LOSS MIT ORDER EXTENDED TO 9/30/22)

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

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

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

Plan proposes $600 x 60 100% and Sale/loan mod in 6 months
Payments: 4/5 Arrears: $565


Matter ResolvedRequest
Adjourment
1059/21/2022 10:00 am22-13066 / CMGAdrian Johnson, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 5 of 5 required payments   Arrears: $0  

Plan denied MP in 14 days

AR NEED MP SUGGEST PAY AD PRO THROUGH TRUSTEE

AS of 9/15/22(mk) DID DEBTOR GET LM? date was 9/14/22.

THERE IS NO ONE LEFT TO PAY IN THIS CASE. 1 guc 708.85 and we have 1,259.50 In Funds on hand

>> Consent Order entered on 9/7/22.Terms= LM by 9/14/22 TR NO pay arrears pending LM this leaves 1 guc to be paid for $708.85.
-----------
-
AS of 8/29/22(mk):

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

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

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

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

Matter ResolvedRequest
Adjourment
1069/21/2022 10:00 am22-13109 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $0  
Total Paid In: $2,800.00
AS of 9/15/22(mk):.atty ok to terms


**CAN REC CONFIRK AT$2,800 PTD, The $700 x1 Begin 10/1/22 Then $2,081 x 54 Begin 11/1/22 Base. LM On Carriage Ct. on 1st & 2nd Mortgages by 11/19/22.
Trustee is authorized to pay arrears to New Rez Mortgage LLC on claim #7-1 and Wilmington Savings Fund on claim #13-1 pending LM. Need Proof of 2 month's income for non filing spouse by 10/30/2022.
Low base pending LM.
OTBS On New Rez objection w/in 30 days.**

9/27/22(sf) - Correction: Plan should be $700x1, not $7000
------------------------
** Wilmington has objected to Loss Mt(( Obj. was w/d)

<
1. Objection by NewREZ( RAS):
fails to pay arrears speculative : OTBS pay arrears pending)

2. Trustee objection:
plan is LM for both 1st & 2nd Mtgs
-debtor not paying all dispo. income into plan-
disposable income verified at 341 is $1,182
-add to conf. term-need Proof of 2 month's income for non filing spouse by 10/30/22.
---------
** Wilmington has objected to Loss Mt(( Obj. was w/d)
- Business forms - for computer systems business(NO LONGER OPERATING)

Plan:$700 X 6; $2081.81 X 54; LM BY 10/2022; BASE
4/5 payments
Matter ResolvedRequest
Adjourment
1079/21/2022 10:00 am22-13152 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
11/2/2022 10:00 am
Debtor has made 2 of 5 required payments   Arrears: $1,500.00  
9/21/22: atty -sent 2 payments & amended I & J Filed

As of 9/13/22 (DS):

1. Debtor in arrears $1,500, TFS payment last made in August, none made for September.

2. MFR filed by Santander for 2017 Mercedes, plan list as outside, sched 10/5/22, need outcome.

3. No amended Sched I filed fro new 2nd job and no proof of income has not been provided, back in July Debtor was waiting on offer.

4. Plan does not specify treatment of New Century secured claim in the amount $1,472.72. TRUSTEE OK TO PAY?

5. There is non-exempt equity $2,703 in Chase Bank acct. Plan pays 100%.

6. No claim filed by Little Egg Harbor, recommend striking and not paying.

7. Residential Mortgage (ROMANO GARUBO & ARGENTIERI) obj to plan silent. Plan has to pay Seneca, which is street address, not Residential Mtg. Obj must be resolved.

=========================================

7/6/22 MK: Atty says she now on TFS auto pay - she starts new job mid august

AR NOW 1/3 NEED TFS AUTO DED

7/6/22 (DS): 1. No Trustee payments made, arrears $1,000, made 0 out of 2, soon to be 3 payments in July. Atty provided proof of 1 payment in the amount of $500 6/29/22.

2. Trustee obj to the following:
- Must amend Schedule I for new 2nd job at school district and provide 2 months proof of income. PER EMAIL FROM ATTY DEBTOR WAS APPROVED EMPLOYMT W/SCHOOL, BUT WAITING ON OFFER.
- Disposable income verifies $2,476, not including the amended Sched I which needs to be filed adding new 2nd job. PLAN PAYS 100%
- Plan does not specify treatment of New Century secured claim in the amount $1,472.72.
- There is non-exempt equity $2,703 in Chase Bank acct.

3. Residential Mortgage (ROMANO GARUBO & ARGENTIERI) obj to plan silent. Plan has to pay Seneca, which is street address, not Residential Mtg. Obj must be resolved.

4. Little Egg Harbor has not filed claim, Plan has to pay $1,670.01.

Prop Plan $500 x 12 begin 5/1/22; $2,450 x 48; 100% and Loan mod on Seneca Dr by 11/1/22
Note: Sched J expense is fine, Debtor's mo
Matter ResolvedRequest
Adjourment
1089/21/2022 10:00 am22-13353 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledConverted to 7 / 11Debtor has made 4 of 5 required payments   Arrears: $0  

Mk: Motion to Convert to Ch 7 filed 8/16/22.retrun date 9/13/22- ORDER CONVERTING CASE ENTERED 8/22/22

As of 8/15/22(mk):updated

>>Plan should be 100% or sloe to it due to proceeds rec'd from sale of RE
in 6/2021. Cert just says use for living expenses-no deatil or proofs

1. ST of NJ Estimated POC- APOC filed-0-

2. IRS Estimated POC-APOC Filed$250.29 priority

3. Toyota filed arrears POC for $39.40. Plan has unaffected- OK TO PAY?

4. Trustee objection:
Need copy of HUD-1 for sale of real property (Provided- debtor got $55,909 from sale of property in June 2021 . PLAN NEEDS TO BE 100%
>>STILL NEED> Certification regarding disposition of proceeds.
- Need update on employment status in 6 months.
-must file pre conf cert.

Plan:$150 x 60 begin 5/1/22; Base
3/4 payments
bar date 7/5/22
Matter ResolvedRequest
Adjourment
1099/21/2022 10:00 am22-13477 / CMGBrad J. Sadek, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 5 of 5 required payments   Arrears: $0  

MP (#28)has been scheduled for 10/19/22
ADJ to 9/21 for MP to be filed, then this Plan can be Withdrawn or Denied (dm)

ISSUES AS OF 8/30/2022 (DM):

1) Midfirst Bank (KML) OBJs - $59,011.07 arrears (CONSENT ORDER ENTERED).

2) U.S. Dept. of HUD filed claim, no arrears, but not in plan (ADD SECURED UNAFFECTED??)

3) Trustee OBJ:
- Need TD Bank savings acct #4280 statements for March & April 2022 (UNRESOLVED).

- TD Bank checking acct #206 statement ending 3/20/22 shows balance $27,619.93; TD Bank checking acct #0165 ending 3/13/22 shows balance $1,609.24.
- Excessive Expenses Sch J: $815 auto insurance, $420 Cell, and $347 Tele/Internet/Cable.
- There is non-exempt equity in business tools $400, 2016 Hyundai $1,060, Co-Debtor inherited $39,575 on 2/25/22, per TD Bank statement, inheritance was not disclosed on schedules, however Trustee was provided with Refunding Bond and Release Form disclosing the amount of the co-debtor's inheritance from the Estate of Reginald Stevenson.
- Need service to all creditors on Plan motions (RESOLVED).
- Need to file Pre-Confirmation Certificate (UNRESOLVED).


Prop. Plan $1,203 x 60, Base
PTD 3/4 = $3,609
Last Claim (23-1)
Matter ResolvedRequest
Adjourment
1109/21/2022 10:00 am22-13660 / CMGTHOMAS J ORR ESQConfirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $3,280.00
AS OF 9/20/22 (SF) UPDATED


RECOMMEND $2620 PTD; $960 X 56 (BEGIN 10/1/22) BASE PLAN W/ MIN $31,978 TO GUCS
- Student loan to be paid pro rata for first 36 months and then exclusively over the remaining 24 months
- Must file pre-confirmation cert within 10 days

Note: Plan is not feasible. Proposes to separately classify student loan claim and pay pro rata for 1st 36 months and pay balance of claim in full over remaining 24 months. Payment will need to increase. (Student loan will not be paid in full)


1. Onemain Financial filed an unsecured claim for $19,528.23. It does not state that it is a deficiency claim so not sure if it should be paid (PER AR SET UP AS UNSECURED CLAIM)

2. Trustee objection:
- debtor's income verifies higher( 4,763) than scheduled (4,370).
- non exempt equity in the Broad Street property is $33,412
- need to file pre confirmation certification with Court


Plan proposes $640 x 1, $880 x 59 Loan Mod by 9/30/22 Base Plan
Payments: Received $2620 Arrears: $660

RESOLVED ISSUES:
- Objection filed by HSBC (Jennings) - failure to pay arrears and speculative loan mod (210 Broad St.) MOOT, LOAN MOD COMPLETED
- Objection filed by HSBC (Jennings) - failure to pay arrears and speculative loan mod (8 Middlesex Ave) (MP FILED TO PAY ARREARS)
- Proof of ID & Social security number for William Bobo. (Declaration provided from attorney)
Matter ResolvedRequest
Adjourment
1119/21/2022 10:00 am22-13711 / CMGBrad J. Sadek, Esq.Confirmation Hearing ScheduledContinued
10/5/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $500.00  
9/21/22: debtro to convert to ch 7

As of 9/13/22 (DS):

1. Trustee obj to the following:
- Debtor has insufficient income, verified income leaves disposable income $199.87.
- Debtor has failed to file a feasible plan. Proposed trustee payment will not cure arrears on first and second mortgages.
- Need Business forms for landscaping business, proof of auto insurance for 1990 and 1993 Volvos or explanation as to situation with the cars and 2 months proof of income by 10/31/22.
- Must resolve creditor objection.
- Must file Pre-confirmation certificate.

2. Wells Fargo (ROBERTSON, ANSCHUTZ, SCHNEID) obj to arrears are more, POC filed and obj to insufficient income.

3. MFR was on 9/7/22 with OTBS, need terms of order if post-petition payments needs to be paid, since motion had arrears $4,846.94 as of 7/9/22.

Prop Plan $500 x 60 begin 6/1/22; Base
Matter ResolvedRequest
Adjourment
1129/21/2022 10:00 am22-13728 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 4 of 4 required payments   Arrears: $0  

WiLL NEED JUDGE

9/14 workup for the 9/21 calendar EDC

* motion to expunge DSO claim on for 10/5/22

1. Objection filed by 21st Mortgage (Frenklel Lambert) - failure to cure arrears of $133,458.06 (Per POC). Plan lists creditor as unaffected.

2. Objection filed by Peggy Katsoulis (Straffi) - Debtor has failed to provide for a priority claim of $6,125 for child support and an unsecured claim of $160,000 for equitable distribution per divorce.

3. The IRS filed an estimated priority claim #2 in the amount of $500 which needs to be resolved/amended.

4. The NJ Division of Taxation filed an estimated priority claim #18 in the amount of $15,046.37 which needs to be resolved/amended.

5. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - : updated proof of income and I & J(RECEIVED-ONLY BRINGING HOME AROUND $350 WEEKLY-INCOME IS NEGATIVE by $4200 AND DOESN'T SUPPORT TRUSTEE PAYMENT)
- Domestic Support Obligation information (NOT RECEIVED)
- bank statement for Ocean FCU not provided, balance $126,000 (NOT RECEIVED)(if 126k there would be 116,196 minimum for gucs per sched C)

--------------------------------
RESOLVED ISSUES:
- Amendments to Schedules Schedules I and J. (AMENDED)
NEED HOME INS RENEWAL TO ADJ. mk:updated insurance rec'd
-Hanmi Bank ending balance as of 4/20/2022 $4,682.78 (100% PLAN).
- Motion FCU ending balance as of 4/30/2022 $1,797.94 (100% PLAN).
- need to turn over all non-exempt funds in the account where $126,000 real estate sales proceeds were deposited (100% plan). (LANGUAGE ADDED)
- need settlement agreement documents once divorce becomes final. (LANGUAGE ADDED)
- need copy of HUD-1 from sale of real estate in May 2022. (RECEIVED - DEBTOR RECEIVED $113,000)
- A copy of the homeowner's insurance renewal declaration - policy provided will
expire 8/31/2022, confirmation is 9/7/2022. (RECEIVED)

Plan proposes: $500 x 12 beginning 6/1/2022, $782 x 48 beginning 6/1/2023
Matter ResolvedRequest
Adjourment
1139/21/2022 10:00 am22-13749 / CMGRichard F. Fried, Esq.CONFIRMATION HEARINGContinued
11/2/2022 10:00 am
Debtor has made 9 of 4 required payments   Arrears: $0  

As of 9/13/22 (DS): Debtor attorney requested adjournment, 341 sched 10/13/22
Matter ResolvedRequest
Adjourment
1149/21/2022 10:00 am22-13754 / CMGWarren Brumel, Esq.Confirmation Hearing on Modified PlanContinued
11/2/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 9/14/2022 (at):

1. Objection filed by Shellpoint/Deutsche Bank (McCalla Raymer) - loan was already modified in 2016. Failure to cure arrears of $209,987.61 (RESOLVED - LOAN MOD BY 11/30/2022 AND POST PETITION PAYMENTS OF $2,946.65 DIRECTLY TO MORTGAGE COMPANY)

2. Need proof of service on Real Time Resolutions for strip off of second mortgage. (SERVICE NEED TO BE TO THE ATTENTION OF A MANAGING AGENT OR OFFICER DESIGNATED TO ACCEPT SERVICE) mk: served creditor at POC notice address

3. Plan is silent as to treatment of 3rd mortgage held by US Bank/Ditech. (MOD PLAN DOES NOT ADDRESS 3RD MORTGAGE)mk: atty says not requirement that creditor be treated so it passes thru unaffected- he will serve them anyway

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - policy provided expires 7/12/2022 (RECEIVED)
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- car payment $588.07 on Schedule J is excessive expense
- Disposable income is higher $1,198 than scheduled $553.
- debtor owns landscaping business and on SOFA lists value as unknown. Debtor testified that value of equipment is approximately $15,000. (Debtor's counsel advises that Plan will be amended to 100%) (MOD PLAN PAYS 100%)

MP before confirmation proposes: $545 x 60 beginning 6/1/2022, loan mod by 12/31/2022, 100% to unsecured creditors
Payments: 4/4
Matter ResolvedRequest
Adjourment
1159/21/2022 10:00 am22-13772 / CMGJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $600.00
9//20/22(mk): atty ok to terms

As of 9/13/22 (DS): Recommend confirming at $600 paid, $223 x 32 begin 10/1/22; Base with a minimum dividend $2,334, due to non-exempt equity
- Within 7 days must file Pre-confirmation certificate
- Fee app within 7 days.

7/20/22 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $-2,743.83. Per Schedule I Debtor is no longer employed and is seeking employment. Plan is not feasible.
- There is non-exempt equity in all bank accts, checking/savings. Sched B listed values as $0. Acct #9571 has $115.05, #9671 has $741.52, #9600 $757.24 and #8500 $720.20 total $2,334.
- Must amend Sched B and C to add amounts and take exemptions on all 4 accts.
- Excessive expenses on Sched J such as: Rent $1,440 (per bank statements verifies $1,418), Transportation $900 (Debtor will no longer be employed and auto insurance $140 (Debtor owns no vehicle, requires proof of payments 7 days before conf).
- Must file Pre-confirmation certificate.

Prop Plan $150 x 36 begin 6/1/22; Base
Note: Reviewed bank all statements provided, no statements needed they are from 4/30/22 and savings acct 8500 was attached to checking acct at end of statement.
Matter ResolvedRequest
Adjourment
1169/21/2022 10:00 am22-13837 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $300.00
ISSUES AS OF 9/16/2022 (DM): Atty ok with terms

***Debtor's plan is underfunded. In order to properly fund the plan, THE DEBTOR NEEDS TO CONFIRM AT $300 PTD, THEN $819 x 56 STARTING 10/1/22, BASE PLAN, TRUSTEE IS AUTHORIZED TO PAY LATE FILED CLAIMS OF MICHAEL KILLIAN POC (14-1) AND 43 KATHRYN LLC POC (15-1); ORDER OF DISTRIBUTION IS AS FOLLOWS: ADMINISTRATIVE EXPENSES INCLUDING ATTORNEY FEES AND MICHAEL KILLIAN LANDLORD POC (14-1) TO RECEIVE 24-MONTH PROMPT CURE DISBURSEMENT FROM THE TRUSTEE FIRST (MONTHS 1 THROUGH 24); SECURED CLAIMS INCLUDING SANTANDER POC (2-1) AND CAPITAL ONE POC (12-1) TO RECEIVE DISBURSEMENTS NEXT (MONTH 25 THROUGH 45); PRIORITY CLAIMS, IF ANY, TO RECEIVE DISBURSEMENTS NEXT; SEPARATELY CLASSIFIED UNSECURED CLAIMS INCLUDING THE CO-SIGNED UNSECURED CLAIM OF 43 KATHRYN LLC POC (15-1) TO RECEIVE DISBURSEMENT NEXT (MONTH 46 THROUGH 60); GENERAL UNSECURED CLAIMS TO RECEIVE ANY REMAINING PLAN PAYMENTS***

 8/30/22 - need POCs filed on behalf of Michael Killeen and 43 Kathryn LLC so Trustee can disburse to both creditors.

1) Plan lists 43 Kathryn LLC under Part 5b (Separately Classified Unsecured) - this appears to be the residential lease which lists Michael Killeen as creditor to be paid - why two different company names? Need explanation as to why both 43 Kathryn LLC and Michael Killeen are each being paid $11,000 through the plan on the same lease? Claim for 43 Kathryn LLC is on Sch E/F as a priority claim for rent arrears in the amount of $11,138.90 - NO CLAIM HAS BEEN FILED BY EITHER CREDITOR (NEED POCs FILED - TREAT MICHAEL KILLEEN AS A PROMPT CURE LEASE AND TREAT 43 KATHRYN LLC EXCLUSIVELY IN MONTHS 37 TO 60).

2) Trustee OBJ:
- Plan fails to provide for a prompt cure of rental arrears (MP PROVIDES FOR PROMPT PAYMENT IN PART 9 WITHOUT SPECIFICITY - TRUSTEE TO CALCULATE AT 18 MONTHS).
- Need updated proof of income and amended Sch I&J four months from confirmation (TRUSTEE WILL ADD TO CONFIRMING ORDER).

***RESOLVED ISSUES***

A) Capital O
Matter ResolvedRequest
Adjourment
1179/21/2022 10:00 am22-13930 / CMGMark S Cherry Confirmation Hearing ScheduledContinued
11/2/2022 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $4,800.00  
AS OF 09/15/22 (SF)

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

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

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

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

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

- Must amend Schedule I to add spouse's income

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

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

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

- Must file pre-confirmation certificate.


Plan proposes $2400 x 60 Base w/lump sum from savings of $40,000 upon confirmation
Payments: 2/4 Arrears: $4800 plus $40,000 lump sum due upon confirmation

RESOLVED ISSUES:

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

Matter ResolvedRequest
Adjourment
1189/21/2022 10:00 am22-14025 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledContinued
10/19/2022 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $2,011.00  
341 now on 9/22/22
2/3 payments

>>NEEDS REQUEST TO ADJOURN THIS CONF. HEARING.<<
Matter ResolvedRequest
Adjourment
1199/21/2022 10:00 am22-14068 / CMGAndrew Thomas Archer Confirmation Hearing on Modified PlanContinued
11/2/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $500.00  
AS OF 9/14/2022 (at):

1. Objection filed by US Bank Trust/Selene Finance (Robertson Anschutz) - failure to cure arrears of $101,947.92 (Per POC).

2. Need proof of service on Garden State Veterinary Specialists and LVNV Funding.

3. The IRS filed an estimated priority claim #1 which needs to be resolved/amended.

RESOLVED ISSUES:
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 - that includes liability
coverage. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)
- Any dismissal of this case should trigger a one year bar on refiling. (LANGUAGE ADDED)

Modified plan before confirmation proposes: $500 x 36 beginning 6/1/2022, loan modification within 6 months of filing, base
Payments: 3/4, arrears $500
(Garden State Veterinary Specialists and LVNV Funding LLC filed secured claims, which can be crammed down.)
Matter ResolvedRequest
Adjourment
1209/21/2022 10:00 am22-14128 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
11/16/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

341 now on for 10/20/22


AS OF 9/14/2022 (at):

1. 341 has not been held or rescheduled.
2. Payments: 2/4, arrears $2,000
Matter ResolvedRequest
Adjourment
1219/21/2022 10:00 am22-14193 / CMGEugene Roth, Esq.Confirmation Hearing ScheduledContinued
10/19/2022 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

adj to 10/19/ for Loss mit date on #1


ISSUES AS OF 9/16/2022 (DM): TD Bank was served with the cram motion on 9/13/22.

 MFR filed by Loancare (RAS) scheduled 9/21/22. Debtors have not made any post-pet payments since 6/1/22 - arrears are $10,405.95, not including 9/1/22 payment. Need outcome.>> MK: OTBS Terms =cure outside not affect plan <

1) Loancare - 1st mtg (RAS) OBJs - plan proposing loan mod and arrears not paid - income insufficient (UNRESOLVED).

2) Santander-2019 Dodge (MORTON) obj - plan does not treat 2019 Dodge - POC filed with arrears $10 (UNRESOLVED). >MK OTBS- PAY 10.00 arrears outside plan.<<

3) MEB Loan Trust (KML) OBJs - proposed plan understates the arrears claim (CONSENT ORDER ENTERED).

4) Trustee OBJ:
- Excessive Expense - Sch J: $660.90 car payment, $650 estimated tax payments - are these payments being made - need to provide proof.
- Need service to creditor in motions (FILED).
- Must file Pre-confirmation certificate (FILED).
- Note: Auto insurance provided 9/1/22.


Prop. Plan $1,512 x 60, Base
- Loan mod with NewRez/Loan Care 6 months post-conf
- student loans outside the plan
PTD 3/4 = $4,536
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
1229/21/2022 10:00 am22-14223 / CMGTHOMAS M MONAHAN, ESQConfirmation Hearing ScheduledContinued
10/19/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,500.00  
MK: adj as needs work an Atty will file MP and fix things and schedules etc


As of 9/13/22(mk):

1.Objection by SN Servicing(Friedman V):
-plan insufficient to pay arrears POC & LM speculative.

>IRS CLAIM FOR 31,799.31 NOT IN PLAN .

2. Trustee Objection:
-need current CMA with comparables sold
within the last 6 months.(no comps were provided)
-need proof of homeowner's insurance
renewal declaration - that includes liability
coverage.
-Need April and May bank statements for TD
account #6972 and both Bank of America
accounts listed on Schedule B.
-need Amendments to Schedules B/C to list vehicle - need per car
payment on Schedule J
-Plan consists of unnecessary or excessive
expense items, such as:
$961/month for property taxes (loan is escrowed for taxes)
$1,000/month food for two$500/month IRS installment
payments (IRS filed a claim)$611/month car payments
(no car is listed on Schedule B). Need proof of excessive
expenses 10 days prior to confirmation.
-not paying all disposable income into the
the following reason (s): Verified income leaves monthly
disposable income of $3,371( This does not include his
social sec income. Plan payment proposed is $1400.
- Plan fails to treat IRS Priority claim.
-As of now, There is $2,772 in non exempt equity in the
residence. There is $12,855 in non exempt equity in
the bank accounts. Pending review of
missing statements Chase bank statements - Feb/March
$10,500 transferred to Dynamic Health and
Apr/May $9,675 was transferred. What is
this for?
-Plan deadline for loan modification is too
long. Needs to be within 6 mos of
confirmation or as extended by the Court.IS TR PAYING
ARREARS PENDING LM?
-must file pre conf cert.


Plan:$1400 X 50; LM BY 5/1/2023; BASE
3/4 payments
bar date passed
Matter ResolvedRequest
Adjourment
1239/21/2022 10:00 am22-14323 / CMGMARK G CARUSILLOConfirmation Hearing ScheduledContinued
11/2/2022 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $2,234.00  
AS OF 9/14/2022 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT 341 MAY BE CONDUCTED ON 10/6/2022.

1. 341 is schedule for 10/6/2022.
2. Payments: 3/4, arrears $2,234.20
Matter ResolvedRequest
Adjourment
1249/21/2022 10:00 am22-14409 / CMGSEYMOUR WASSERSTRUM, ESQConfirmation Hearing ScheduledContinued
11/2/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 9/15/2022 (JMA)

1) Ally Capital (Lavin Cedrone) objection to confirmation - need to resolve
-objection to cram
2) 341 not held, rescheduled for 9/29/2022
3) Not current with Trustee payments to date, arrears $540

MK working on CO w/ office of Vet. Affairs




Matter ResolvedRequest
Adjourment
1259/21/2022 10:00 am22-14453 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledPlan DeniedDebtor has made 2 of 3 required payments   Arrears: $1,124.00  
mk: PLAN DENIED -MP IN 14 DAYS- ok w/ atty

AS OF 9/16/22 (SF)

Note: The proposed plan is not feasible. Claims are higher and disposable income verified at $19.19. The plan proposes base of $67,440 but claims total $131,046.

1. Objection filed by Deutsche Bank (Jennings) - Failure to pay arrears of $53,512.04

2. Objection filed by Paper Profits LLC (Steven Kelly) - plan does not appear to be feasible to pay claim in full in the amount of $49,664 over life of plan (Plan proposes $43,010.25 and creditor filed claim for $44,301.79) MUST RESOLVE

3. IRS filed priority claim 3-2 for $17,338.15 which is not addressed in plan (OK TO PAY?)

4. State of NJ filed priority claim 7-2 for $588.64 which is not addressed in plan (OK TO PAY?)

5. Trustee objection:
- The debtor has insufficient income .
- Need a current market analysis - with comparable within 6 months of filing.
- Need Proof of 2 month's income - all of April and May for co-debtor.
- Need statements for the debtor's two 401k loans. - - Need a statement for the debtor's "loan" deduction of $751.75/month.
- Need a Modified Plan that addresses priority claims filed by the IRS and State of NJ and assumes or rejects Honda lease.
- Amendments to Schedules G to assume Honda lease. (if debtor is keeping it )
- Need to file Pre-Confirmation Certification.
- Need proof of insurance for the 2004 Chevy and the 2020 Honda.

Plan proposes $1124 x 60 Base
Payments: 2/3 Arrears: $1124

Matter ResolvedRequest
Adjourment
1269/21/2022 10:00 am22-14517 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
10/19/2022 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

issues as of 9/15/2022 (JMA)

1) Specialized Loan Servicing LLC (Stewart Legal) - objection to confirmation, need to resolve
- pre petition arrears amount of $24,466.93
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): -excessive expenses on Amended Schedule J $637.21/car THE ALLOWANCE FOR CAR PAYMENTS IS $588 SCHEDULE J SHOULD BE REDUCED BY $49.21
- 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 in the amount of $28,941.56 - must pay a minimum $28,941.56 dividend to general unsecured creditors
- need valuation and loan balance for timeshare at Orange Lake Resorts
- Specialized Loan Servicing LLC (Stewart Legal Group) objection to confirmation, pre petition arrears $24,466.93- need to resolve
- Amended Schedule J includes an estimated monthly tax payment of $1,000, need to provide proof that these payments are being made
- The debtors need to provide a certification regarding all of the unliquidated assets of the business that includes their values
2) State of New Jersey priority claim 3 is estimated for 2017-2018 and 2020-2022 taxes - RESOLVED, AMENDED TO ZERO
3) ACAR Leasing and Americredit both have claims with arrears. The plan does not treat arrears on these claims. Kindly advise if you will be paying arrears through the plan. If not, you will need to file a motion against the claim.

proposed plan $439x60 base plan
paid in $1317
last claim 17

RESOLVED
- A copy of the homeowner's insurance renewal declaration RESOLVED, SUBMITTED
- Profit and loss statement that shows the start and end date
Matter ResolvedRequest
Adjourment
1279/21/2022 10:00 am22-14700 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 9/16/22 (SF) UPDATED

1. Modified plan filed to cram US Bank. The service is improper as the attorney did not serve creditor at a street address and did not mail via certified mail.

2. US Bank/Shellpoint Mortgage filed total debt secured claim 15-1 in the amount of $54,120.16 which is not addressed in plan and now the plan is infeasible. (MUST RESOLVE) MP FILED


Plan propose $1550 x 60 0%
Payments: 2/2

RESOLVED ISSUES:
- IRS filed priority claim 4-1 for $4281.96 which is not addressed in the plan (OK TO PAY CLAIM?)
- Need proof of insurance for the 2009 Honda and 2014 Nissan. Policy expired 6/29/22.
RENEWAL SUBMITTED
- Objection filed by Santander (Morton) - to cram (Order Submitted)
- Trustee objection:
The debtor has failed to supply the Trustee with the following document (s):
Need to file Pre-Confirmation Certification. (FILED)
Matter ResolvedRequest
Adjourment
1289/21/2022 10:00 am22-14804 / CMGScott D. Sherman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $750.00
AS of 9/13/22(mk):Updated- email to atty- OK TO TERMS

**CAN REC CONFIRM AT $250 x 12 Begin 7/1/22, Then $375 x 48 Begin 7/1/23. Base w/ min to gucs of $3,511 due to equity in real and personal property. Trustee shall pay Wells Fargo , Claim #16-1 a secured claim in the amount of 1,272.17. The Unsecured portion in the amount of $2,176.44 shall be paid pro rata w/ other gucs pursuant to the terms of confirmation**
----------------

1. Wells Fargo filed a bifurcated secured claim (#16-1) for $1272.17 secured, $2,176.44 unsecured and arrears of $3,448.61. NEED TREATMENT FOR THIS CLAIM- Per atty pay secured-ADD LANG TO TERMS: Trustee shall pay Wells Fargo , Claim #16-1 a secured claim in the amount of 1,272.17. The Unsecured portion in the amount of $2,176.44 shall be paid pro rata w/ other gucs pursuant to the terms of confirmation.

2. Trustee objection:
-need Proof of 2 month's income - updated for all jobs( PROVIDED for her new job and new spouses income also provided and amended I & J)
-need Amendments to Schedules B and C to add other bank acct
listed on pay stub acct#9987.(FILED
-non exempt equity in RE(1,951)$ and $900 for acct 1391 and 660 for ring TOTAL $3511
-need 2 months bank statements from acct ending#9987 prior to filing date(.PROVIDED)
- Schedules fail to account for tax refund of $9,025 in determining disposable income(ADDED IN).
-need 2021 tax return(provided)
> Objection by Penny Mac(Powers):
plan has unaffected- POC filed for $1,803.76-OK TO PAY? >>>(ORDER SUBMITTED 8/29/22:PAY POC ARREARS $1,803.76
-pre conf cert.(Filed)

Plan:$250 x 12 begin 7/1/22; $375 x 48 begin 7/1/23; Base
3/3 payments
bar date; 8/22/22
Matter ResolvedRequest
Adjourment
1299/21/2022 10:00 am22-14862 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $1,590.00
updated 9/19/2022 (JMA)
issues as of 9/15/2022 (JMA)

TO RESOLVE THE TRUSTEE OBJECTION, NEED TO CONFIRM $1,590 PAID TO DATE, $571X58 BEGIN 10/1/2022 BASE PLAN

1) Trustee objection to confirmation - need to resolve

- The debtor has insufficient income disposable income verifies $ -125.99. (ATTY SAYS THAT DEBTOR IS NOW WORKING FULL TIME. NEED UPDATED PAY STUBS) CURRENT INCOME PROVIDED, VERIFIES AT $4,471.18/MONTH LEAVING MONTHLY DISPOSABLE NET INCOME OF $963.96 TO CONFIRM NEED $1,590 PAID TO DATE, $571X58 BEGIN 10/1/2022 BASE PLAN

- The Plan fails to provide for a prompt cure of rental arrears. (ATTY PROPOSES TO PAY LANDLORD OVER COURSE OF PLAN. NO PROMPT CURE. THERE IS NO CREDITOR OBJ. FILED)

- Must file Pre-confirmation certification with Court

proposed plan $530x60 begin 7/1/2022 0% plan
paid in $1590
last claim 9

RESOLVED
- The debtor has failed to provide proof of service with respect to Plan Motion (s). (FILED)
Matter ResolvedRequest
Adjourment
1309/21/2022 10:00 am22-14923 / CMGMonica Mazurczyk, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $2,952.00
9/14 workup for the 921 calendar EDC

**CAN CONFIRM AT: $2952 paid then $1045 x 57 beg 10/1/22 100% with min of $70,000 due to equity--Quantum Group LLC secured claim 6-1 to be paid outside of the plan


* Trustee objection to confirmation:

--- As of now, there is non exempt equity in real property. Plan is 100% but needs amended schedule C and mortgage claim to establish the threshold equity.(RESOLVED 100% MIN OF $70,00 to gucs)

* Quantum3 Group LLC filed secured claim in the amount of $8,874.45 - STILL NEED TO RESOLVE>>(MK:atty wants claim 6 to be treated as current and outside plan<<

proposed plan $984x60 100% plan
---------------------------------------------------
RESOLVED:
--- must file Pre Confirmation Certification with Court RESOLVED, FILED
--- The debtor has undertaken an improper use of exemption. Specifically: debtor took $55,800 under (d)(1). This is not a Joint filing. RESOLVED, AMENDED SCHEDULE C FILED CORRECTING EXEMPTION
- -- must address objection by JP Morgan RESPONSE FILED, NEED TO RESOLVE(mk: settled w/ an order on 8/16/22)
--- Amendments to Schedules C to correct exemption for real property RESOLVED, FILED AMENDED SCHEDULE C TO CORRECT EXEMPTION
1) JP Morgan Chase Bank (Powers Kirn) objection to confirmation - need to resolve RESOLVED, ORDER FILED -plan fails to treat pre petition arrears $644.36>>(mk: order submitted 8/16/22. Pays POC arrears $644.36)<<
Matter ResolvedRequest
Adjourment
1319/21/2022 10:00 am22-14939 / CMGWARREN LEVY, ESQ.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  

As of 9/15/22 (DS): Confirm at $100 x 60 begin 7/1/22; 100% due to non-exempt equity $67,727.14 in real property
- Sale of Berkeley Ave by 12/31/22, plus non-exempt proceeds from sale of Berkeley Ave to Trustee by 12/31/22.
- Add to confirming order Trustee ok pay claim#2-1 of Trenton Tax Collector

1. Trustee obj there is non-exempt equity in real property $67,727.14. Plan pays 100%.

2. Claim filed by City of Trenton Tax Collector $3,081.06, not in plan. Trustee ok to pay? Attorney emailed 9/14/22 to inform ok to pay claim and terms.

Prop Plan $100 x 60; 100% and Sale of Berkeley Ave by 12/31/2022
Matter ResolvedRequest
Adjourment
1329/21/2022 10:00 am22-15349 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $1,000.00
updated 9/21/2022 (JMA)
AS OF 9/15/2022 (JMA)

To confirm need $1,000 paid to date, $500x10 begin 10/1/2022, $1,533x48 begin 1/23/2023 base plan
-provide Trustee with updated income by January 15, 2023

1) Trustee objection to confirmation - need to update income by January 2023

proposed plan $500x12, then $1,375x48 base plan
paid in $1000
last claim 1-1
Matter ResolvedRequest
Adjourment
1339/21/2022 10:00 am22-15547 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledContinued
10/19/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

atty to contact us about calculations

As of 9/20/22 (DS):

Recommend confirming at $632 paid, $1,198 x 46 begin 10/1/22; Base
- Section 3a to be stricken and IRS not paid, claim filed only as unsecured.
- Trustee ok to pay OneMain claim#4-1.
- Trustee standard order of distribution.
- Within 7 days must file Pre-confirmation certificate.

or wait until date of hearing, which is bar date to work up with all timely claims filed

1. Trustee obj to the following:
- YTD net income provided for the month of July, disposable income verifies $1,334, after deducting excessive expenses.
- Pension loan balance statement provided and monthly payment $1,382 ends in month 20. Requires a tier plan payment in month 20.
- Excessive expenses on Amended Sched J: Food $595 and Clothing $120. There would be disposable income $1,934.
- Must file Pre-confirmation certificate.
- Add to confirming order Trustee standard order of distribution.

2. Rocket Mtg (DENISE CARLON) obj to arrears owed, POC filed $2,693.36. Obj must be resolved. C/O ok to pay arrears.

3. IRS filed claim for $0 arrears owed on priority. Plan has to pay $600. Ok to strike?

Prop Plan $316 x 48 begin 8/1/22; $0
Note: Updated auto insurance and Credit Union bank statements provided 9/19/22. Amended Sched B and C filed to add Credit Union bank acct filed 9/13/22. Signed affidavit of contribution and cert from daughter provided.
Matter ResolvedRequest
Adjourment
1349/21/2022 10:00 am22-15569 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
11/2/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 9/13/22 (SF)

1. Objection filed by Monmouth Heights Swim & Racquet Club (Brumel) - failure to pay secured claim in the amount of $11,418.41 CLAIM 1-1

2. Objection filed by Selene Finance (Sherri Smith) - failure to pay arrears in the amount of $26,870.04 (No claim filed yet)

3. The IRS filed priority claim 2-1 in the amount of $2523.58 which is not addressed in the plan (OK TO PAY?)

3. Trustee objection:
- Need a Modified Plan that addresses secured claim filed by Monmouth Swim Club.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,940.00
when determining disposable income.
- Need to file Pre-Confirmation Certification.

4. The Plan proposes non-standard order of distribution


Plan proposes $328 x 60 Base (No Discharge Case)
Payments: 1 of 2 Arrears: $328

RESOLVED ISSUES:
- Need a copy of the marriage license. (RECEIVED)
- Need June and July bank statements for Wells Fargo account #8484
Matter ResolvedRequest
Adjourment
1359/21/2022 10:00 am22-15670 / CMGRoger J. Yehl, Esq.Confirmation Hearing ScheduledContinued
11/16/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
1369/21/2022 10:00 am22-15682 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
11/2/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS of 9/13/22(mk):

1. Trustee objection:
- need Proof of 2 month's income - for the
debtor, including all of July 's paystubs.
-need to file Pre-Confirmation Certification.

>NO Mtg POC yet. bar date is 9/26
>Brick MUA filed priority POC- plan has it as secured- TR pays as filed
.No POC for Brick prop taxes filed as of this date of work up



plan$1,031 X 60 BEG 8/2022; $0
2/2 payments
bar date:9/26/22
Matter ResolvedRequest
Adjourment
1379/21/2022 10:00 am22-15693 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
11/2/2022 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $600.00  
>341 on 9/29/22 BUT NO PAYMENTS- atty had proof


issues as of 9/15/2022 (JMA)

1) 341 not held, rescheduled for 9/29/2022
2) No Trustee plan payments made to date, arrears $800
3) Lakeview Loan Servicing (LOGS) objection to confirmation
Matter ResolvedRequest
Adjourment
1389/21/2022 10:00 am22-15713 / CMGEric ClaymanConfirmation Hearing ScheduledDismissedDebtor has made 0 of 2 required payments   Arrears: $0  

no payments
no 341
Matter ResolvedRequest
Adjourment
1399/21/2022 10:00 am22-15820 / CMGJohn Michael McDonnell, Esq.Confirmation Hearing ScheduledContinued
10/5/2022 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $1,386.00  
adj to convert or dismiss

As of 9/20/22(mk):

-no 341docs at all
0/2 payments
Matter ResolvedRequest
Adjourment
1409/21/2022 10:00 am22-15832 / CMGBrian S. Thomas, Esq.Confirmation Hearing ScheduledContinued
11/16/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

debtor making payment

AS OF 9/14/2022 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS SINCE CASE WAS FILED ON 7/25/2022.

1. 341 is scheduled for 10/6/2022.
2. Payments: 0/2
Matter ResolvedRequest
Adjourment
1419/21/2022 10:00 am22-15847 / CMGNicholas Fitzgerald, Esq.Confirmation Hearing ScheduledContinued
10/5/2022 10:00 am
Debtor has made 18 of 2 required payments   Arrears: $0  

As of 9/9/22 (DS): Debtor attorney requested adjournment, 341 sched 9/29//22, mod plan filed 8/30/22 and scheduled 10/5/22.
Matter ResolvedRequest
Adjourment
1429/21/2022 10:00 am22-15869 / CMGPRO SEConfirmation Hearing ScheduledContinued
11/2/2022 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $900.00  
AS OF 9/15/22 (SF) - NO HOMEOWNERS INSURANCE mk: uploaded 9/19/22 and email to mk on 9/2022 w/ proof of electronic payment for$900- mtg co consents to adj.

1, Objection filed by US Bank (Egerman) - Objection to cram and failure to provide homeowners insurance and timely payment of taxes

2. Trustee objection:
- The debtor has insufficient income proposed plan payments $900 income verified negative.
- Need a copy of the last filed tax return - 2021 or certification of non filing.
- Need a copy of the homeowner's insurance renewal declaration - not provided to Trustee
- need a copy of auto insurance renewal, policy provided expired 8/8/2022
- Need a Modified Plan that complete Part 5a and Part 8c
- The debtor has failed to provide proof of service with respect to Plan Motion (s). Christina Trust.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution
-Chase Bank checking account balance as of 6/3/2022 statement provided showed an end balance of $1,942.26 - need to amend Schedules B and C - or if debtor used the July 2022 statement it should be provided to the Trustee to review
-The debtors plan includes a motion to partially cram the first mortgage.
-The debtors plan Part 8a seeks vesting of property of the Estate upon discharge - debtor will need to add Trustee to homeowners and auto insurance.
- Petition and schedules are not signed by debtor
- Need to file Pre-Confirmation Certification.



Plan proposes $900 x 36
Payments: No payments: Arrears: $1800

Matter ResolvedRequest
Adjourment
1439/21/2022 10:00 am22-15936 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
10/19/2022 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $772.00  
AS of 9/13/22(mk):


1. Objection by Ally Capital(Lavin, Cedrone et al): objects to cram amt on 2019 Chevy.

2. Trustee Objection:
-debtor has failed to supply proof of Social
Security Number to the Trustee.
-current Plan does not specify treatment of
IRS (4186.30)and State of NJ($599.17) tax claims.
-Plan fails to provide for a prompt cure of
rental arrears.
-Must file Pre-confirmation certificate.
----------
- NO proof of service on Plan Motion( Filed)

plan:$772 x 60 begin 8/1/22; Base
1/2 payments
bar date 10/5/22
Matter ResolvedRequest
Adjourment
1449/21/2022 10:00 am22-15971 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledContinued
11/16/2022 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

9/19/22(mk) :debtor current and 341 on for 10/20/22. Told atty to submit an adj request


issues as of 9/15/2022 (jma)

1) 341 not held, not rescheduled - no documents provided for hearing to be held
2) Current with Trustee plan payments
3) CSMC 2020-R (McCalla Raymer) objection to confirmation - need to resolve
Matter ResolvedRequest
Adjourment
1459/21/2022 10:00 am22-15979 / CMGKevin C. Fayette, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0  
Total Paid In: $1,280.00
issues as of 9/15/2022 (JMA)

ok to confirm at $640x24 begin 8/1/2022, $840x12 begin 8/1/2024 base plan
-Hilton Apartments LLC are to be paid claim amount of $6,075 prompt cure over first 18 months of plan
-non exempt proceeds from personal injury case are to be turned over to the trustee


1) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income . Verified income leaves monthly disposable income of $386.81.
- Need to file Pre-Confirmation Certification. RESOLVED, FILED
- Add to confirming order that non exempt proceeds from personal injury case are to be turned over to the trustee.
Matter ResolvedRequest
Adjourment
1469/21/2022 12:00 pm19-25153 / CMGPeter J. Broege, Esq.Motion Relief from Stay (Fee)GrantedTotal Paid In: $57,057.00
debtor opp'n>FAY SERVICING/Monmouth Ave (FRIEDMAN VARTOLO)


TR arrears 5,064

debtor prob. going to file motion to Convert to 7

Matter ResolvedRequest
Adjourment
1479/21/2022 12:00 pm20-15187 / CMGBruce C. Truesdale, Esq.Motion CompensationGrantedTotal Paid In: $30,300.00
Matter ResolvedRequest
Adjourment
1489/21/2022 12:00 pm20-19464 / CMGWilliam H. Oliver, Jr., Esq.Motion CompensationGrantedTotal Paid In: $24,245.00
Matter ResolvedRequest
Adjourment
1499/21/2022 12:00 pm21-17773 / CMGJustin M. Gillman, Esq.Motion CompensationRevised Order SubmittedTotal Paid In: $5,400.00
Mk: TR Motion to Dismiss on 9/7/22 failed to Lm by1/25/22 & Loss Mit was terminated 7/21/22. TR arrears 1,532

>> REVISED ORDER TO PAY OUTSIDE submitted 9/9/22

>TR motion on 9/7/22<
Matter ResolvedRequest
Adjourment
09/21/2022 12:00 pm22-10627 / CMGPRO SEConfirmation Hearing ScheduledContinued
10/12/2022 10:00 am
Debtor has made 3 of 8 required payments   Arrears: $1,739.00  
AS OF 6/23/22 (SF)


1. Objection filed by Wells Fargo Bank (Laura
Egerman) - failure to pay arrears of $77,406.62. The treatment of creditor's claim is unclear.

2. Motion for Relief by Wells Fargo scheduled for 7/6 at 9 (NEED OUTCOME)

3. Motion to Recuse Judge Gravelle scheduled for 7/6 at 12 (NEED OUTCOME)

4. Motion and Objection to Claim of Wells Fargo/PHH scheduled for 7/6 at 12 (NEED OUTCOME)

5. Plan makes no sense. It appears that the debtor is proposing crams but not sure. Wells Fargo is objecting but no objection by JPMorgan Chase and there is no service. Also, there is no claim filed by JPMorgan Chase.

6. Trustee objection:
- The debtor has failed to file a feasible plan. Plan payment will not cover priority and secured creditors
- Need a copy of homeowner's insurance renewal declaration for 1112 Monroe
- Need copy of 2021 Tax Return
- Need copy of deed for 361 Starling Dr, 1112, 1113 and 1115 Monroe
- Need a modified plan that clearly sets forth treatment of the creditors. Plan plan sets forth installment payments
- Need car insurance for both vehicles listed on Schedule B
- The debtor has undertaken an improper use of exemption: Debtor has exceeded the d(5) exemption limit on Schedule C
- There is non-exempt equity in real property and plan will need to be 100%

-The Plan divides unsecured claims into classes with no rational basis and discriminates unfairly against a class in violation of 11 U.S.C. ? 1322(b)(1). Specifically: Part 5b of plan proposes to pay JCP&L and Natural gas unsecured creditors in full and pro rata to other unsecured creditors. (NO CLAIMS FILED FOR THESE CREDITORS)

-Need to file Pre-Confirmation Certification.

- Need to resolve estimated priority claim 3-1 filed by the IRS. Missing 2020 and 2021 returns.

- Part 8a of plan has vesting upon discharge rather than confirmation. If this remains the Trustee must be added as a loss payyee on all home & auto insurance policies.

- Part
Matter ResolvedRequest
Adjourment
09/21/2022 12:00 pm22-10627 / CMGPRO SEMotion Relief from Stay (Fee)Continued
10/12/2022 10:00 am

PHH MTG/WELLS FARGO / Monroe Ave(ROBERTSON, ANSCHUTZ)

ADJ to >>9/21/22 at noon
Matter ResolvedRequest
Adjourment
09/21/2022 12:00 pm22-10627 / CMGPRO SEMotion Motion (Generic) - Only use if no other event is applicableContinued
10/12/2022 10:00 am

MTN OBJECTING TO WELLS FARGO MFR & DISMISSING CLM #2-1
Matter ResolvedRequest
Adjourment
09/21/2022 12:00 pm22-10627 / CMGPRO SEMotion Motion (Generic) - Only use if no other event is applicableContinued
10/12/2022 10:00 am

MTN TO RECLASSIFY #2-1 POC TO UNSECURED
Matter ResolvedRequest
Adjourment
1509/21/2022 12:00 pm22-11353 / CMGEdward Hanratty, Esq.Motion CompensationGranted


Mk: PPSD Order was emailed to Chambers 8/11/22.
Matter ResolvedRequest
Adjourment
1519/21/2022 12:00 pm22-13187 / CMGEdward Hanratty, Esq.Motion CompensationGrantedTotal Paid In: $19,755.00
Matter ResolvedRequest
Adjourment
1529/21/2022 12:00 pm22-13885 / CMGEdward Hanratty, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment
1539/21/2022 12:00 pm22-14943 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $1,650.00
Matter ResolvedRequest
Adjourment
1549/21/2022 3:00 pm21-15049 / CMGEdward Hanratty, Esq.AP Hearing Scheduled (Document)Judge to Reserve DecisionTotal Paid In: $9,040.00
AP 22-1089 Danella vs. NJHESAA PRETRIAL
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes