Calendar Disposition List

ALBERT RUSSO • STANDING CHAPTER 13 TRUSTEE
CALENDAR DISPOSITION LIST

Judge Christine M. Gravelle

Hearing Date: 10/4/2023

Hearing Count: 0

Last Updated: 10-04-2023 06:52 PM

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	Proceeding #	Hearing Date	Case Number	Debtor Attorney	Hearing Type	Disposition	Trustee Notes
Email Inquiry Matter Resolved Request Adjourment	1	10/4/2023 9:00 am	17-34307 / CMG	Kirsten B. Ennis, Esq.	Motion Relief from Stay (Fee)	Continued 10/18/2023 9:00 am	Total Paid In: $35,460.00 Debtor obj, made pymts<>QUAILBROOK EAST HOMEOWNERS ASSOC (McGOVERN) MK: post pet condo fees $3,106 adj to 10/4 for debtor to provide proofs re: issue of special assessment
Email Inquiry Matter Resolved Request Adjourment	2	10/4/2023 9:00 am	18-15789 / CMG	TIMOTHY P NEUMANN, ESQ	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Withdrawn
Email Inquiry Matter Resolved Request Adjourment	3	10/4/2023 9:00 am	18-18882 / CMG	Jacqueline R. Rocci, Esq.	Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)	Continued 10/18/2023 9:00 am	Total Paid In: $59,328.00 9/30/23: mk atty says debtor to drop off certified ck for funds to pay it off . adj to post and then motion cam be granted paid off and close agin in due course. plan expired. atty says hopes to have all funds pad f to cover balance to complete before this hearing date.
Email Inquiry Matter Resolved Request Adjourment	4	10/4/2023 9:00 am	18-29682 / CMG	Laurence R. Sheller, Esq.	Trustee Certification of Default	Continued 11/15/2023 9:00 am	Total Paid In: $27,691.00 Debtor obj, requests recap<> ARREARS mk: 10/23/22: debtor just made a payment - need to post. then will make another next week need some time Plan is Cares act so 84 mos and 24 remain. arrears 2,167. LAST PAYMENT July 2023
Email Inquiry Matter Resolved Request Adjourment	5	10/4/2023 9:00 am	19-10341 / CMG	Daniel E. Straffi, Esq.	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Trustee Order	Total Paid In: $37,282.00 10/3/23(mk): ARREARS $5,440 . made a $1000 payment 10/3 before that last pay was August and before that last pay was4/2023 in Mo 57 - recap not feasible as payment would go from the$ 884 they have not been paying to $2,889 x3 begin 11/1 disposable income is only 455 per month PTD Is 37,282 8/14/23:Debtor obj, can pay $500 & requests recap<>ARREARS 4,672 as of 8/7 Bad Pay history
Email Inquiry Matter Resolved Request Adjourment	6	10/4/2023 9:00 am	19-16418 / CMG	MICHAEL L DETZKY, ESQ	Motion to Cancel and Discharge	Granted	MTN TO CANCEL DISCHARGE MTG/FLEET BANK-BOA
Email Inquiry Matter Resolved Request Adjourment	7	10/4/2023 9:00 am	19-16418 / CMG	MICHAEL L DETZKY, ESQ	Motion to Cancel and Discharge	Granted	MTN TO CANCEL DISCHARGE MTG/QUICKEN LOANS-CIT
Email Inquiry Matter Resolved Request Adjourment	8	10/4/2023 9:00 am	19-20370 / CMG	Warren Levy, Esq.	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Continued 10/18/2023 9:00 am	Total Paid In: $28,205.00 Debtor obj, filing mtn to reinstate stay<>SV/SPECIALIZED LOAN #5-3 Motion to reinstate stay on 10/18/23
Email Inquiry Matter Resolved Request Adjourment	9	10/4/2023 9:00 am	19-20477 / CMG	THOMAS J ORR ESQ	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Continued 10/18/2023 9:00 am	Total Paid In: $25,210.00 Debtor obj, made pymts, filing mtn to reinstate<>SV/FREEDOM MTG; MOTION TO REINSTAE STAY ON 10/18
Email Inquiry Matter Resolved Request Adjourment	10	10/4/2023 9:00 am	19-21386 / CMG	George E Veitengruber III	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Continued 10/18/2023 9:00 am	Total Paid In: $24,142.00 10/3/23(mk) atty had proof of bank ck sent in his possession for 897- need to post and we are in Oct so Oct payment is due- 10/18 PEREMPTORY Debtor obj, making pymts<>ARREARS $ 897 as of 9/27/23. Plan in mo 52 fee app on 8/16 WITHDRAWN
Email Inquiry Matter Resolved Request Adjourment	11	10/4/2023 9:00 am	19-26135 / CMG	Jonathan Goldsmith-Cohen, Esq.	Motion Relief from Stay (Fee)	Order to be Submitted	Total Paid In: $24,500.00 Debtor obj<>SN SERVICING/Woodmere Dr (FRIENDMAN VARTOLO) Post pet arrears as of 8/31/23 $6,865.39 debtor says will pay lump sum cure
Email Inquiry Matter Resolved Request Adjourment	12	10/4/2023 9:00 am	19-31889 / CMG	Jeffrey E. Jenkins, Esq.	Motion Hardship Discharge	Granted	Total Paid In: $16,707.00 MK: only 3 creditors in case LL and LL atty and guc IRS. Plan has run 45 mos and below median case. Paid in 16,707 Base balance 7,983. Debtor now on SSD at 1,970 and rent is 1,048
Email Inquiry Matter Resolved Request Adjourment	13	10/4/2023 9:00 am	19-33031 / CMG	Jeffrey H. Ward, Esq.	Motion Relief from Stay (Fee)	Order Previously Submitted	Total Paid In: $58,514.00 10/2/23: order submitted:cure outside Debtor obj, will pay<>SANTANDER /Idlewild Lane(BROCK & SCOTT) Post pet . as of 8/30/23:9,088.94 debtor; made payments- not applied- requesting cure over 6 mos.
Email Inquiry Matter Resolved Request Adjourment	14	10/4/2023 9:00 am	20-10812 / CMG	PRO SE	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Withdrawn	Total Paid In: $6,136.00 Debtor obj, made pymts<>ARREARS DEBTOR IS CURRENT AND PLAN WILL COMPLETE IN TIME -KB
Email Inquiry Matter Resolved Request Adjourment	15	10/4/2023 9:00 am	20-17105 / CMG	Robert Stephen Casagrand, Esq.	Trustee Certification of Default	Trustee Order	Total Paid In: $24,922.00 9/27/23(mk) Payment for 1,578 posted . now as of Sept arrears $766 recap is 24,922 PTD Then $799 x 20 begin 10/1/23 . Debtro must sign up for TFS auto pay w/in 10 days. 9/13/23: as of today the Ck debtor sent late august has not posted. mk; sent email to atty Debtor obj, will pay<> ARREARS 1,578 .last pay 6/14/23 8/23/23:atty says debtor mailed ck for arrears- attached proof to email- Needs to post
Email Inquiry Matter Resolved Request Adjourment	16	10/4/2023 9:00 am	20-17123 / CMG	Monika Mazurczyk	Motion Motion (Generic) - Only use if no other event is applicable	Granted	Total Paid In: $49,872.00 MTN TO APPV PERSONAL INJURY AWARD AND ATTY FEES NUNC PRO TUNC this was for Oct 2020 action 15,000 was exempted on Amended C- Ok deboro rec'd 9,467.03 and atty fee received 4,726.42 there appears to be a second PI claim amount unknown
Email Inquiry Matter Resolved Request Adjourment	17	10/4/2023 9:00 am	20-17312 / CMG	John Zimnis, Esq.	Creditor Certification of Default	Continued 10/18/2023 9:00 am	Total Paid In: $8,470.00 mk: per Aleisha needs 2 weeks to confirm w/ client whether the partial claim covers all arrears 9/25/23(mk) Motion to Approve LM filed. MK filed objection- motin is confusing Motion for Lm - partial claim and cert is for post pet financing- does not addres post pet arrears in LM Order - did not use the CT form for PPSD Order. 9/20: creditor says debtro may be approved partial claim mtg and need to figure out what is due AMT: TR LTR REQUESTING CONDUIT<<>> RELISTED - CREDITOR DID NOT AGREE TO CONDUIT (9/6 - OTBS)<<>> creditor also does not agree to wait for debtor to get pension loan at end of the year. Debtor obj, will pay<> PHH/Keswidk Ave (RAS) Post pet 7,496.37 as of 7/1/23 debtor : will pay before Ct hearing
Email Inquiry Matter Resolved Request Adjourment	18	10/4/2023 9:00 am	20-20911 / CMG	Robert Cameron Legg, Esq.	Motion Relief from Co-Debtor Stay	Continued 10/18/2023 9:00 am	Total Paid In: $33,950.00 AMT; TR LTR REQUESTING CONDUIT<<>> Debtor obj<>FAY/Sandspring Dr (FRIEDMAN VARTOLO) Post pet arrears 10,582.78( included atty fee of $1,238 debtor - made payments- proposes 6 mo cure and objects to atty fees over $500
Email Inquiry Matter Resolved Request Adjourment	19	10/4/2023 9:00 am	21-10491 / CMG	Kevin C. Fayette, Esq	Trustee Certification of Default	Withdrawn	Total Paid In: $9,791.00 9/27/23: $ posted- current Debtor obj, will pay<> ARREARS $908 as of 9/19 Last pay June 2023
Email Inquiry Matter Resolved Request Adjourment	20	10/4/2023 9:00 am	21-13774 / CMG	Laurence R. Sheller, Esq.	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Continued 11/15/2023 9:00 am	Total Paid In: $11,641.00 mk: debtor is working on reinstating stay SV/REVERSE MTG; ARREARS (debtor is current)
Email Inquiry Matter Resolved Request Adjourment	21	10/4/2023 9:00 am	22-10054 / CMG	Jeffrey E. Jenkins, Esq.	Motion Convert Chapter 13 to Chapter 7 (fee)	Continued 11/15/2023 9:00 am	Total Paid In: $5,250.00 10/3/23 Update amended lsiting agreement and checks boxes in listing for MLS etc. WHY IS IT LISTED AS "COMING SOON " On Internet- sale of property has been an issue since August? CREDITOR SAYS Property is not even on the market yet. According to page 11 (out of the 12 filed pages), the property is "expected on market date: 10/17/23." They've lost two months of decent selling season and by the time it hits the market, will only be a month to Thanksgiving 10/3/23: mk filed obj to realtor - same company as agent w/ conflict- should not be exclusive listing - listing agment(#100) has blank boxes not helpful to active marketing of property. Multiple listing info is blank. 9/27/23(mk): application to retain realtor filed. Also filed doc #100- marketing plan for realtor to market real property. and new listing agreement.. listed at 877,800. 9/14/23(mk): 1. Debtor filed doc #93 on creditor's obj to conf of MP and continued request to convert to a 7. debtor has listing agmt for home and has filed appl to retain realtor on 9/14/23. debtor disputes atty fees and escrow shortages in Mtg co claim. Also supplied letter form realtor about property- expects success in marketing of prop. and likeihood of a successful sale. MP filed on 9/20. Sale by 2/16/24 and uploaded a listing agmt listing 850,000- at that price about $58,000 equity 8/2/23: Ct will adj 2 weeks to allow MP file by 8/15/23 to sell RE 7/25/23(mk) doc #86 Cert of debtor: complains about creditor characterization of lawsuit etc. 7/14/23:Per S. West - 1 more adj to 8/2/23 as there has been an offer of a permanent LM with deadline to accept 8/1. The offer does involve a significant down payment so acceptance of the LM is not certain. 7/3/23(mk) :Lender uploaded adj Request to 7/19 as servicers is requesting add'l time for loss mit. review. mk: SINCE CERT. WAS FILED - JUDGE WILL DO THIS ON PAPERS PER HER RULING ON6/21/23 6/30/23(mk) Debtor cert filed(#83)- Nothing offered by Sp. Counsel for debtor i
Email Inquiry Matter Resolved Request Adjourment	22	10/4/2023 9:00 am	22-11987 / CMG	Robert Cameron Legg, Esq.	Order Shorten Time	Continued 11/1/2023 9:00 am	Total Paid In: $67,467.00 ok to adj to >>OST<< To ENFORCE SALE ORDER Tr motion to D on 11/1/23- requested atty consent to adj this to 11/1/23
Email Inquiry Matter Resolved Request Adjourment	23	10/4/2023 9:00 am	22-12011 / CMG	David E. Shaver, Esq.	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Continued 11/1/2023 9:00 am	Total Paid In: $9,617.00 appeal was denied MP in 14 days- adj .for that This is 4th hearing date for this motion. >>MK: SUPP. OBJ FILED BY DEBTOR ON 9/5: says filed appeal of LM Denial on 8/25/23. Mtg co acknowledged receipt of appeal and response w/in 30 days mk: atty says in active negotiations w/ lender Debtor obj, pending decision from mtg co<>Failed to complete loan modification by 1/17/23; extended loss mitigation expired 5/17/23
Email Inquiry Matter Resolved Request Adjourment	24	10/4/2023 9:00 am	22-12236 / CMG	Candyce I. Smith-Sklar, Esq.	Trustee Certification of Default	Continued 11/1/2023 9:00 am	Total Paid In: $5,092.00 mk adj to 11/1 for $ to post and then recap with EWAGE Debtor obj, will make pymt & requests recap<> 10/3/23:ARREARS 7.109. last pay was 7/28 debtro made TFS payment- not posted- debtro is back at work and will do ewage
Email Inquiry Matter Resolved Request Adjourment	25	10/4/2023 9:00 am	22-13066 / CMG	Adrian Johnson, Esq.	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Dismissed	Total Paid In: $20,550.00 10/3/23(mk) : sent email to attys for update. UPDATE: LM WAS DENIED TODAY 9/27/23: 6th hearing date- Need update 9/13/23(mk) THIS IS 5TH HEARING DATE FOR THIS TR MOTION. DEBTOR IS CURRENT- atty provided update from mtg co - still in underwriting. TOLD HIM NEEDS TO APPEAR AND ADDRESS SITUATION ANF FILE OPP'N 7/21/23(mk) Atty email : had to submit an entirely new LM Package w/ Updated Docs and Lender's counsel confirms it is now under review. MK inquired as to how long review of LM will take- reply is LM package complete now under review ------------------------ 4/28/23 (sf) Per Atty, loan mod is still under review by Lender. Need more time Debtor obj<>FAILED TO LM BY 1/30/23 3/2/23: debtor current w/ TR and Lender. LM procees held up by lender.LM package was complete in Dec and under review then lender stopped responing. debtro atty has followed up and lastest portal inquiry said file complete and under review
Email Inquiry Matter Resolved Request Adjourment	26	10/4/2023 9:00 am	22-13519 / CMG	MaryBeth Schroeder, Esq.	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Continued 11/15/2023 9:00 am	Total Paid In: $22,651.00 mk: debtor made recent payment and wants adj to be current IF ANY RECAP MUST INCLUDE EPAY Debtor obj, made pymts<>ARREARS 7,095 as of 9/27/23
Email Inquiry Matter Resolved Request Adjourment	27	10/4/2023 9:00 am	22-14193 / CMG	Eugene Roth, Esq.	Creditor Certification of Default	Order Previously Submitted	Total Paid In: $22,684.00 9/6/23: order submitted: 9/1/23: creditor request to adj - payments posted - need add'l time for settlement approval Debtor obj, made pymt<>SPS for MEB Loan/Mimi Dr (Fein, Such) Post pet:3,047.92 debtor says Paid - awaiting confirmation of that
Email Inquiry Matter Resolved Request Adjourment	28	10/4/2023 9:00 am	22-14371 / CMG	Karina Pia Lucid, Esq.	Motion Relief from Stay (Fee)	Granted	Total Paid In: $24,982.00 ALLY CAPITAL/ 2021 Subaru (LAVIN CEDRONE)
Email Inquiry Matter Resolved Request Adjourment	29	10/4/2023 9:00 am	22-15172 / CMG	Brian W. Hofmeister, Esq.	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Continued 11/1/2023 9:00 am	Total Paid In: $15,000.00 10/3/23(mk) NEED UPDATE- all docs submitted - waiting for decision FAILED TO COMPLETE LM BY 5/31/23 OR FILE MP IF NO LM WAS APPROVED MK: motion was adj from 7/19/ to 9/6 to give debtor time to complete LM- WHAT IS THE STATUS? email to atty 8/22/23
Email Inquiry Matter Resolved Request Adjourment	30	10/4/2023 9:00 am	22-16358 / CMG	Michael McLaughlin, Esq.	Motion Relief from Stay (Fee)	Withdrawn	Total Paid In: $81,999.00 9/20: debtro made payments need to verify- adj to 10/4 debtor opp'n>CARRINGTON MTG /Stonewyck Drive (STERN LAVINTHAL Creditor: post pet $6,642.22 Debtor says made payments and should be a CO or motion to w/d
Email Inquiry Matter Resolved Request Adjourment	31	10/4/2023 9:00 am	22-16411 / CMG	Donald C. Goins, Esq.	Creditor Certification of Default	Withdrawn	Total Paid In: $3,572.00 10/4 AMT: WITHDRAWN<<>> 9/30/23(mk) debtor atty says debtor does not want to enter into a conduit order. He informed my office that he paid his post-petition arrears through August a couple of days ago and will pay the September 2023 payment this weekend. AMT: TR LTR REQUESTING CONDUIT<<>> NEED UPDATE 9/20- PPSED Resoluiton Debtor obj, can pay<>NATIONSTAR/Walnut St ( Grenespoon Marder Creditor: $ 3,859.14 debtor: can be current by 9/15 to satisfy arrears and make Sept payment by end of Sept to be current.
Email Inquiry Matter Resolved Request Adjourment	32	10/4/2023 9:00 am	22-20077 / CMG	Eric J. Clayman, Esq.	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Trustee Order	Total Paid In: $7,695.00 TR Order: plan to continue at confirmed payment amount and Santander will be treated outside per Stay relief and Trustee will make no distributions to this creditor. 9/25(mk) atty says:t is was a creditor who was to be paid outside plan and obtained stay relief. Debtor then paid off creditor in full outside plan. Can we resolve the Trustee motion as Debtor has had no issues paying your office? Debtor obj, paying creditor outside and received title<>SV/SANTANDER/2017 Lexus
Email Inquiry Matter Resolved Request Adjourment	33	10/4/2023 9:00 am	23-10100 / CMG	Scott D. Sherman, Esq.	Trustee Certification of Default	Withdrawn	Total Paid In: $21,236.00 9/26/23 - debtor is current (dm) Debtor obj, pending retro pension ck to cure arrears<> ARREARS
Email Inquiry Matter Resolved Request Adjourment	34	10/4/2023 9:00 am	23-10605 / CMG	Georgette Miller, Esq.	Motion to Approve Loan Modification	Granted	Trustee obj; Debtor cert<> MTN TO APPROVE LM mk; Debtor cert in support filed 9/21/23
Email Inquiry Matter Resolved Request Adjourment	35	10/4/2023 9:00 am	23-10677 / CMG	PRO SE	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Continued 12/6/2023 12:00 pm	10/4 : debtro will bring current 10/3/23(mk) :email from G. Miller: that says: There will be no prosecution of the motion to re-impose the stay or the chapter 13 case in general. I took the time to explain to the Debtor that he had no standing to retain the home as a judgement for possession has already been entered. 9/27/23(mk) Debtor had retained G. Miller but then atty said could not help so returned his $ for retainer 9/14/23(mk)email from debtor- ill requesting adj. CT said adj peremptory 10/4. 9/13/23(mk):emailed debtor about no MP and asked if he had retained Atty and telling him both motion s hold for Judge at noon PLAN WAS DENIED ON 7/19/23 AND FAILED TO FILE MP WITHIN 30 DAYS
Email Inquiry Matter Resolved Request Adjourment	36	10/4/2023 9:00 am	23-10800 / CMG	Marc C. Capone, Esq.	Motion Relief from Co-Debtor Stay	Order to be Submitted	Total Paid In: $29,855.00 Debtor obj, made pymts<>SPECIALIZED LOAN/ HArris Ave (PLUESE) Post pet $4,675.46 deboro : sent payment and atty has ck for 4,676.35
Email Inquiry Matter Resolved Request Adjourment	37	10/4/2023 9:00 am	23-11224 / CMG	Steven J. Abelson, Esq.	Motion Motion (Generic) - Only use if no other event is applicable	Granted	Total Paid In: $7,452.00 MTN AUTHORIZE INSURANCE PROCEEDS Mk: reviewed - OK
Email Inquiry Matter Resolved Request Adjourment	38	10/4/2023 9:00 am	23-11531 / CMG	George E Veitengruber III	Motion Relief from Stay (Fee)	Consent Order to be Submitted	10/3/23(mk) PM creditor atty email - COTBS 10/3/23(mk): debtor ayy says: I believe Low can be marked COTBS. They are aware we are selling and that their secured portion of the claim and their post petition arrears will be addressed on the closing statement. As of yesterday she was adjourning their sheriff sale and going back to the client about the consent order terms. >>TOLD HIM NEED TO KNOW BEFORE 9:00AM tomorrow or someone needs to appear. Mk: Order vacating Dismissal was submitted to Chambers 9/26/23 FOXCHASE AT TINTON FALLS (McGOVERN LEGAL) >>MK: MOTION TO VACATE DSIMISSAL OST ON 9/26- OTBS- GRANTED- conf 11/1/23
Email Inquiry Matter Resolved Request Adjourment	39	10/4/2023 9:00 am	23-11632 / CMG	Jeffrey E. Jenkins, Esq.	Motion Relief from Stay (Fee)	Order to be Submitted	Total Paid In: $13,371.00 mk: full cure credior does not want conduit and will not agree its 1st default- will require conduit next default AMT: TR LTR REQUESTING CONDUIT<<>> debtor objection>US BANK TRUST/Washington Ave (STERN LAVINTHAL) post pet $9,054.33 as of August. debtor says will be current by hearing date.
Email Inquiry Matter Resolved Request Adjourment	40	10/4/2023 9:00 am	23-11705 / CMG	Edward Hanratty, Esq.	Motion to Impose Stay	Continued 10/18/2023 9:00 am	as of 10/1/23(mk); Last pay 7/11/23 TR arrears $3,419.24 9/6/23:Per AR must be current tr payment for oct plan RE-LISTED - 4/19/23 HEARING WAS OTBS<<>> Landlord obj (Cohen, Seglias- A. Barth)<> MTN TO EXTEND STAY
Email Inquiry Matter Resolved Request Adjourment	41	10/4/2023 9:00 am	23-11815 / CMG	Daniel E. Straffi, Esq.	Motion Relief from Stay (Fee)	Continued 11/1/2023 9:00 am	adj to 11/1 for ongoing settlement Debtor obj<>MTG ASSETS MTGMT/PHH MTG -Terrace Ave (McCALLA RAYMER) MK: home equity loan signed by debtor's spouse, now deceased. mtg co claims has rt to accelerate debt upon her death and should not be subject to the automatic stay. CONF ON 10/4 :ISSUES/NEEDS RESOLUTION
Email Inquiry Matter Resolved Request Adjourment	42	10/4/2023 9:00 am	23-11975 / CMG	BRUCE H. LEVITT	Motion Withdraw As Attorney	Granted	Con also on 10/4/23: REC DISMISS
Email Inquiry Matter Resolved Request Adjourment	43	10/4/2023 9:00 am	23-12336 / CMG	MaryBeth Schroeder, Esq.	Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)	Continued 11/1/2023 9:00 am	TR Objection: mk: case was filed in April 2023 and then dismissed at confirmation on June 7 for the following reasons: : 341 not held 4/27/23, still missing docs: Additional proof of income for Feb. and March 2023, 2021/2022 tax returns, CMA/homeowner insurance for 460 Dock Rd (Marina), CMA/Homeowner insurance for 367 Doxk Rd and CMA/homeowner insurance for 460 Dock Rd (Wetlands). 1/3 payments. arrears 2,000 ALSO THERE WAS A CREDITRO'S MOTION TO DISMISS FILED BY NON DEBTRO SPOUSE( Rep by J. Rossi) which was on for 6/21 marked Moot as case was dismissed
Email Inquiry Matter Resolved Request Adjourment	44	10/4/2023 9:00 am	23-12342 / CMG	TAMIKA N. WYCHE, ESQ.	Motion Prospective Relief	Order to be Submitted	9/26/23(mk) CO circulated and will be submitted- Lump some cure. it contains provision Re: future default will require conduit atty fee 688 9/22/23(m) Order submitted full cure by 9/30. TR Limited obj. Needs to add to order in the even of future default, conduit required. 9/1/23: creditor request to adj - 10/4 -Peremptory AMT: TR LTR REQUESTING CONDUIT<<>> 8/11/23:mtg co adj request for motion for prospective relief to 9/6- PEREMPTORY Debtor obj, made pymt; atty has funds<>MTN FOR RELIEF WITH PREJUDICE / Mount Holly Rd, Unit L7(McCALLA RAYMER) 5th bankruptcy case: conf 8/16/23: ISSUES
Email Inquiry Matter Resolved Request Adjourment	45	10/4/2023 9:00 am	23-12701 / CMG	Karina Pia Lucid, Esq.	Motion Relief from Co-Debtor Stay	Order Previously Submitted	Total Paid In: $3,600.00 Debtor obj<>NISSAN / 2021 Nissan Sentra (STEWART LEGAL) Mk Order submitted- cure $600 to creditor by 10/4/23
Email Inquiry Matter Resolved Request Adjourment	46	10/4/2023 9:00 am	23-12768 / CMG	Daniel E. Straffi, Esq.	Motion Relief from Stay (Fee)	Order Previously Submitted	Total Paid In: $1,000.00 10/3/23(mk): Co submitted- arrears 4,260 cap into plan Debtor obj, requests recap<>SANTANDER/ S. Chestnut Ave (GROS MK: Creditor post pet $2,799.94 -April-July payments
Email Inquiry Matter Resolved Request Adjourment	47	10/4/2023 9:00 am	23-13032 / CMG	Otto J. Kostbar, Esq.	Motion Relief from Co-Debtor Stay	Order to be Submitted	mk : email from Brian Caine- wants to submit OTBS. std cure over 6 mos- attys fees/cost thru plan asked him position on Conduit- does not want it Per AR- ok let it go on this one but if future default will require conduit. AMT: TR LTR REQUESTING CONDUIT<> US BANK TRUST NAT'L ASSOC /Beth Court (PARKER McCAY) Post petition as of 9/8/23: $7,504.96 debtor says trying to work out payment w/ creditor atty
Email Inquiry Matter Resolved Request Adjourment	48	10/4/2023 9:00 am	23-13654 / CMG	Marc C. Capone, Esq.	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Continued 11/1/2023 9:00 am	PLAN WAS DENIED ON 8/16/23 AND FAILED TO FILE MP WITHIN 14 DAYS MP filed On 11/1/23
Email Inquiry Matter Resolved Request Adjourment	49	10/4/2023 9:00 am	23-13870 / CMG	John Michael McDonnell, Esq.	Motion Expunge Claims/Reduce Claims/Modify Claims/Object To	Withdrawn	MTN TO DISALLOW OBERMAYER POC #6 Creditor to amend POC
Email Inquiry Matter Resolved Request Adjourment	50	10/4/2023 9:00 am	23-13989 / CMG	MaryBeth Schroeder, Esq.	Motion File Claim After Claims Bar Date	Granted	Total Paid In: $3,172.00 MTN TO ALLOW LATE FILED CLM Plan confirmed w/ cram for crediotr- no claim so atty filed this
Email Inquiry Matter Resolved Request Adjourment	51	10/4/2023 9:00 am	23-14108 / CMG	Paul H. Young, Esq.	Motion Relief from Stay (Fee)	Continued 10/18/2023 9:00 am	Debtor obj, disputing arrearage<>SN SERVICING/Railroad Ave (FRIEDMAN VARTOLO) post pet $4,846.32 debtor says made payments- will provide proof
Email Inquiry Matter Resolved Request Adjourment	52	10/4/2023 9:00 am	23-14135 / CMG	Jeffrey E. Jenkins, Esq.	Motion File Claim After Claims Bar Date	Revised Order Submitted	9/18/23(mk); REVISED ORDER SUBMITTED W/ LANG FOR TR TO PAY MTN TO ALLOW LATE POC/STAMFORD SQUARE TR Limited Objection :ORDER DOES NOT AUTHORIZE TRUSTEE TO PAY
Email Inquiry Matter Resolved Request Adjourment	53	10/4/2023 9:00 am	23-14312 / CMG	Stacey L. Mullen, Esq.	Motion File Claim After Claims Bar Date	Order Previously Submitted	Total Paid In: $1,646.00 MTN TO FILE LATE CLM/CREDIT UNION (McKENNA DuPONT) mk: Unsecured and plan confirmed w/ pro Rata to gucs 9/8/23: order submitted
Email Inquiry Matter Resolved Request Adjourment	54	10/4/2023 9:00 am	23-14354 / CMG	Justin M. Gillman, Esq.	Motion Expunge Claims/Reduce Claims/Modify Claims/Object To	Granted	Total Paid In: $2,940.00 MTN TO EXPUNGE CLM 1 MK: Motion filed per conf order. says claim fails to comply w/ Fed Rule 3001(c). and 3003(e)(1) claim transferred( no docs of assignment) and charged off 17 yrs before. also outside of NJ Statute 2A:14-1 . more than 6 yrs
Email Inquiry Matter Resolved Request Adjourment	55	10/4/2023 9:00 am	23-14613 / CMG	Daniel E. Straffi, Esq.	Motion Approval to Participate in the Court's Loss Mitigation Program	Moot - Dismissed	LOSS MIT/RUSHMORE LOAN
Email Inquiry Matter Resolved Request Adjourment	56	10/4/2023 9:00 am	23-14836 / CMG	Jeffrey E. Jenkins, Esq.	Motion Relief from Stay (Fee)	Order to be Submitted	Debtor obj<>TREE HAVEN APT (KROMER LAW)
Email Inquiry Matter Resolved Request Adjourment	57	10/4/2023 9:00 am	23-14992 / CMG	Justin M. Gillman, Esq.	Motion Relief from Stay (Fee)	Continued 10/18/2023 9:00 am	mk: parties agree to adj to 10/18 to resolve. 10/2/23(mk): sent atty email for any updates Interim resolution and carry to 10/4 - debtor pay 8000 before end of SEpt for PP rent and use and occupancy. mk: 9/6 23: email to attys -will there be an Order setting forth terms they put on record? no b/c put on recored and adj to 10/4 resolved : adj to 9/6/23 and debtor to pay 8,000 overnight and 2nd 8,000 by 9/5 if default the SV granted upon filing of a Cert of default and no need for 9/6 hearing . all rights preserved to 9/6 Debtor obj<>CHERYL T FRETZ /landlord (NORRIS McLAUGHLIN) 23,000 in Post pet arrears - no lease payments since march 2023:commercial LL of debtor's business- lease was executed in debtor name individually. even though runs business out of it and business in sub chapter 5-which is pending in PA Debtor says will make immediate lease payment and then cure.... conf is rec dismissal -no 341 - docs supplied 8/11 and 341 now scheduled for 9/14/23 341 now on 9/14 and conf 10/4/23
Email Inquiry Matter Resolved Request Adjourment	58	10/4/2023 9:00 am	23-15036 / CMG	Daniel E. Straffi, Esq.	Motion Relief from Stay (Fee)	Order Previously Submitted	10/2/23: Terms: immediate pay of 1,000 and $2,126.44 cap. into plan Debtor obj, will pay $1000 by 10/15 & recap of arrears into plan <>ARVEST BANK/Teakwood Dr (STERN & EISENBERG) Post pet : 2,344.83 as of 9/11/23
Email Inquiry Matter Resolved Request Adjourment	59	10/4/2023 9:00 am	23-15230 / CMG	Jonathan Goldsmith-Cohen, Esq.	Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)	Continued 11/1/2023 9:00 am	Debtor obj, filed MP<>PLAN WAS DENIED ON 8/16/23 AND FAILED TO FILE A MP WITHIN 14 DAYS 9/27/23(mk); Sent email to atty
Email Inquiry Matter Resolved Request Adjourment	60	10/4/2023 9:00 am	23-15340 / CMG	Steven Alan Alpert	Motion Relief from Stay (Fee)	Granted	PROPONENT FEDERAL CREDIT UNION / 2015 pATHFINDER (McKENNA DuPONT)
Email Inquiry Matter Resolved Request Adjourment	61	10/4/2023 9:00 am	23-15822 / CMG	Robert Cameron Legg, Esq.	Motion Expunge Claims/Reduce Claims/Modify Claims/Object To	Granted	MTN TO EXPUNGE LVNV CLM#2 LVNV Filed objection s to motions on 10/2
Email Inquiry Matter Resolved Request Adjourment	62	10/4/2023 9:00 am	23-15822 / CMG	Robert Cameron Legg, Esq.	Motion Expunge Claims/Reduce Claims/Modify Claims/Object To	Withdrawn	MTN TO EXPUNGE CLM#3 mk: This claim appears to have been W/D(see doc #12) LVNV Filed objection s to motions on 10/2
Email Inquiry Matter Resolved Request Adjourment	63	10/4/2023 9:00 am	23-15822 / CMG	Robert Cameron Legg, Esq.	Motion Expunge Claims/Reduce Claims/Modify Claims/Object To	Granted	MTN TO EXPUNGE LVNV CLM #4
Email Inquiry Matter Resolved Request Adjourment	64	10/4/2023 9:00 am	23-15822 / CMG	Robert Cameron Legg, Esq.	Motion Expunge Claims/Reduce Claims/Modify Claims/Object To	Continued 10/18/2023 9:00 am	LVNV obj ( Hladik Onorato)<>MTN TO EXPUNGE LVNV CLM #5
Email Inquiry Matter Resolved Request Adjourment	65	10/4/2023 9:00 am	23-16113 / CMG	Peter E. Zimnis, Esq.	Order Shorten Time	Continued 10/18/2023 9:00 am	10/4: atty needs more time mk: Judge adj from 9/20/23 for more info. 341 is on 10/4 >>OST<<< MTN TO USE CASE COLLATERAL AND PROVIDE ADQ PRO PYTMS TO FAMILY BUSINESS FUNDING >>OBJ.FILED BY FAMILY BUSINESS FUNDING( JOE DEVINE,ESQ. mk: no documentation included in motion and cert talks about documents debtor is "alleged to have executed" cert is odd- says secured creditor asserted secured claim and security interest in prep pet collateral. Debtor" assumes " valid lien... Order says "alleged creditors" and then says Ct has reviewed documentation- THERE WAS NO DOCUMENTATION ATACHED TO MOTION" Business is an LLC .daycare pre school THERE IS AN OBJECTION TO THE PLAN FILED BY CREDITOR FAMILY BUSINESS FUNDING(#15)
Email Inquiry Matter Resolved Request Adjourment	66	10/4/2023 9:00 am	23-16386 / CMG	Laurence R. Sheller, Esq.	Motion Cross Motion	Order Previously Submitted	mk: Per Ar- ok to enter creditor order-submitted 9/14/23: No conduit creditor to file supp cert AMT: TR LTR REQUESTING CONDUIT<<>> Debtor obj, requests recap<>US BANK CROSS MTN FOR STAY RELIEF/Hillcrest Ave (Powers) Prospective relief- serial filer. Bad faith Motion to extend stay was adj to 9/6 at creditor request then they filed this cross motion.
Email Inquiry Matter Resolved Request Adjourment	67	10/4/2023 9:00 am	23-16386 / CMG	Laurence R. Sheller, Esq.	Motion Extend Time	Order Previously Submitted	mk: order submitted resolving both motions to extend stay and MFR on 9/14/23. Ct to extend stay for limited period of time thru 10/4 AR NOTE CURE PLAN PRIOR CASE DISM AFER CONF -- MAYBE CONDUIT TO RESOLVE US Bank obj (Powers)<>MTN TO EXTEND STAY >timely filed and 341 meeting 8/24/23 creditor want adj to have more time to respond. NEEDS BRIDGE ORDER
Email Inquiry Matter Resolved Request Adjourment	68	10/4/2023 9:00 am	23-16997 / CMG	Daniel E. Straffi, Esq.	Motion Relief from Stay (Fee)	Continued 10/18/2023 9:00 am	Debtor obj, marketing ppty<>FAY SERVICING/Vineyard Dr (FRIEDMAN VARTOLO) on Dug Out Drive property- seeking In Rem relief 3rd filing - prop at sheriffs sale several times
Email Inquiry Matter Resolved Request Adjourment	69	10/4/2023 9:00 am	23-17050 / CMG	Rhonda E. Greenblatt, Esq.	Motion Expunge Claims/Reduce Claims/Modify Claims/Object To	Withdrawn	9/28/23(mk) APOC FILED- priority $4031.75 fixed-sent email to debtor atty - status change file d- settled but she said ok to mark it w/d. 9/27/23(mk) Per E. O'Hagan - his office did not have any record of the motion but reached out to atty and she will be w/d the motion as the IRS will file an amended claim. (AMT: ORDER NEEDS TO SPECIFY CLASSIFICTION)<<>> MTN TO REDUCE IRS POC #4-1 TO $ 4,224.23 9/27/23(mk) :sent email to E. O'Hagan w/ motion
Email Inquiry Matter Resolved Request Adjourment	70	10/4/2023 9:00 am	23-17461 / CMG	Russell L. Low, Esq.	Motion Extend Time	Withdrawn	mk: mark as w/d and atty will file motin to Tr obj<>EXTEND STAY Not timely filed petition filed 8/28/23. old case was for a refi and new case will sell prop.
Email Inquiry Matter Resolved Request Adjourment	71	10/4/2023 9:00 am	23-17985 / CMG	Peter E. Zimnis, Esq.	Motion Extend Time	Granted	MTN TO EXTEND STAY 9/29/23:mk: timely filed: TR obj: needs 341 docs and a PLAN and missing docs
Email Inquiry Matter Resolved Request Adjourment	72	10/4/2023 10:00 am	20-20737 / CMG	Robert Cameron Legg, Esq.	Confirmation Hearing on Modified Plan	Confirmed	Debtor has made 36 of 37 required payments Arrears: $1,083.00 Total Paid In: $40,768.00 AS OF 9/21/2023 (at): RECOMMEND: $40,768 PAID TO DATE, $1,251 x 24 BEGINNING 10/1/2023, 100% PLAN Preserve non exempt equity of $31,807. MP proposes: $1,172 x 26 beginning 8/1/2023, not less than $31,807 to unsecured creditors Arrears: $0O (part 3a: adding post-petition 2022 IRS taxes to be paid through plan part 8d: allowing trustee to pay post-petition claims)
Email Inquiry Matter Resolved Request Adjourment	73	10/4/2023 10:00 am	21-19470 / CMG	Donald C. Goins, Esq.	Confirmation Hearing on Modified Plan	Moot - Dismissed	Debtor has made 19 of 22 required payments Arrears: $0 Total Paid In: $5,605.00
Email Inquiry Matter Resolved Request Adjourment	74	10/4/2023 10:00 am	22-10054 / CMG	Jeffrey E. Jenkins, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 21 of 21 required payments Arrears: $0 Total Paid In: $5,250.00 AS OF 9/22/23 (SF) 9/20/23 Listing Agreement provided for 20 Brians Way in the amount of $850,000 then new PPSD Listing agreement has $877,800.Multiple listing info is blank. Cert in Support of Chapter 13 Plan filed 10/2/23 which includes listing agreement and marketing plan. 1. Modified plan proposes to pay $5,000 to Bank of America. Is this for post-petition arrears? 2. Need status of Malpractice law suit 3. Motion to Convert Chapter 13 to Chapter 7 Adjourned to 10/4 at 9 4. Objection filed by Bank of America (Douglas McDonough) - the modified plan does not cure pre-petition arrears and the plan does not surrender property security creditor's claim (Note: The POC filed shows zero arrears) 5. Objection filed by Ajax Mortgage Loan Trust 2022 (West) - Failure to propose a plan in good faith; failure to fund plan with non-exempt proceeds of malpractice suit by 12/31/22 and failure to move expeditiously to sell property. Creditor has moved to convert to Chapter 7 and wants the property sold expeditiously. (RESPONSE FILED BY DEBTOR) 6. Treatment of Best Buy, Citi Bank and Target as separately classified unsecured claims to be paid in full because wife is cosigner should be stricken as no claims were filed and the bar dated expired on 7/20/22 MP proposes $250 x 36 Base; Sale by 2/16/24 Plan has run 20 months with 16 months remaining
Email Inquiry Matter Resolved Request Adjourment	75	10/4/2023 10:00 am	22-18798 / CMG	Roger J. Yehl, Esq.	Confirmation Hearing on Modified Plan	Dismissed	Debtor has made 9 of 11 required payments Arrears: $720.00 Total Paid In: $3,251.00 MK; NS second call AS of 10/2/23(mk):Updated- arrears $720 and that is at the lower payment of $361 per mo and NOT MP proposed payment. EMAIL TO ATTY >TR Objection: STILL NEED need amended I & J and updated POI can't separately classify till after 36 mos.( AP judgment says its non dischargeable but does not give it any status as a priority debt so needs to pay pro rate for 1st 36 mos then 100% to this creditor in month 37-60 MP proposes $2527 PTD; $1184 X 52 BEG 8/2023; 0% separately classifies NJ dept labor claim(4-1 plan 100% but pays this in full AP money Judgement- declaring it non dischargeable for $18,729.75 but do we need it to state that it is to be paid as a prioirty claim ? Plan has run11 mos and 49 remain
Email Inquiry Matter Resolved Request Adjourment	76	10/4/2023 10:00 am	22-19575 / CMG	Jeffrey E. Jenkins, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 9 of 10 required payments Arrears: $300.00 11/15/ PEREMPTORY AS OF 9/25/23 (SF) 1. IRS filed estimated priority claim 4-1 (NEED AMENDED CLAIM) 2. State of NJ filed estimated priority claim 5-1 (NEED AMENDED CLAIM) 3. Trustee objection: - Need amendments to Schedules B or G to add vehicle and B & C to add the debtors personal injury car accident lawsuit - The debtor(s) plan consists of unnecessary or excessive expense items, such as: $600/month for utilities $282/month for car insurance and $500/month car payment (no vehicles listed on schedules) Need proof of excessive expenses 10 days prior to confirmation. - Verified income leaves monthly disposable income of $363.00 updated Plan proposes $300 x 60 0% Payments: 8/9 Arrears: $300
Email Inquiry Matter Resolved Request Adjourment	77	10/4/2023 10:00 am	23-10302 / CMG	Brad J. Sadek, Esq.	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 6 of 7 required payments Arrears: $232.00 Motions to convert to Chapter 7 filed and scheduled for 11/1 at 9 am 2 weeks to convert to 7 09/15/23(SF) IS THIS CASE BEING CONVERTED? NO MODIFIED PLAN FILED Motion to Approve Loan Mod scheduled for 8/16/23 at 9 (GRANTED) Per atty, Debtor was just approved for loan mod. Motion to approve to be filed and MP or conversion may be filed once order is entered. NEED PROOF OF HOW NON EXEMPT FUNDS FROM SALE OF PROPERTY WERE SPENT. (STILL NEED PROOF OF PAYMENTS MADE TO CREDITORS LISTED ON EXPLANATION OF HOW MONEY WAS SPENT) Trustee objection: - Need Modified Plan that increases trustee payment when thrift savings plan loans end. - Need February and March bank statements for Chase accounts 1229 and 2572 and TD Bank account 5463. (TD Bank Statement receieved for Acct 5463 which has a balance of $5228) STILL NEED CHASE STATEMENTS - Need the HUD/ALTA closing statement for the Jersey City home sold in 2022 per the divorce decree. (RECEIVED) SELLER RECEIVED $83,877. DEBTOR RECEIVED 50% $83,877 (At 341 hearing debtor testified that money was spent on paying off student loans and credit cards) No student loans listed on the list provided. Plan proposes $232 x 60 Base Payments: 5/6 Arrears: $232 RESOLVED ISSUES: - Need a current market analysis - that is updated with comparatives from last 6 months. (CMA OK) - The debtor has insufficient income Verified income leaves monthly disposable income of -$299.60. (DEBTOR RECEIVES OVERTIME SO THIS NUMBER WILL FLUCTUATE THROUGH THE YEAR) - Need Proof of social security income - for the debtor per TD Bank statements. (MOOT. DEBTOR WORKS FOR SOCIAL SECURITY) - Need proof of insurance for the 2018 Honda CRV. (RECEIVED)
Email Inquiry Matter Resolved Request Adjourment	78	10/4/2023 10:00 am	23-10546 / CMG	PRO SE	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 4 of 9 required payments Arrears: $70.00 Total Paid In: $247.00 As Of 9/26/23(mk); NEED UPDATE ON STATUS FROM DEBTOR 9/6/23(mk)debtor says creditor will agree to instalment payments- adj 10/4 to see if can be worked out 8/18/23(mk): TR Objection: mk: MP to separately classify unsecured debt( No claim filed) to AT&T for cell phone bill. on 8/4/23 I emailed Debtor telling her Tr will object as no basis under the code for the separate classification (amt: outstanding items from 7/19 conf)<<>> Need to strike plan 4 d for modification of Credit Crop- there was to be an order entered specifying treatment on this claim- 8/18/23: sent email to D. Morford for status of Order
Email Inquiry Matter Resolved Request Adjourment	79	10/4/2023 10:00 am	23-11148 / CMG	FRANK J FISCHER, ESQ	Confirmation Hearing on Modified Plan	Withdrawn	Debtor has made 3 of 8 required payments Arrears: $1,172.00 This Plan (Doc #35) should also be denied or withdrawn (dm)
Email Inquiry Matter Resolved Request Adjourment	80	10/4/2023 10:00 am	23-11176 / CMG	Avram D White	Confirmation Hearing Scheduled	Plan Denied	Debtor has made 7 of 8 required payments Arrears: $550.00 MP in 14 days LM deneed and appeal denied 10/4/23mk: LM and appeal have been denied. ISSUES AS OF 9/27/2023 (DM): what is the status of the Loan Mod decision? 9/19/23(mk): debtor atty provided letter from Gregory funding dated 9/6. LM package complete - 30 days for review - Debbie from S. West office reply - heard from client will have answer by end of week. *If Loan Mod issue below can be resolved, THEN THIS CASE IS READY TO CONFIRM AT $3,850 PTD, THEN $777 x 53 STARTING 10/1/23, 100% PLAN WITH $52,980 THRESHOLD PRESERVED, AJAX MORTGAGE POC (12-1) SHALL BE TREATED OUTSIDE THE PLAN AND DEBTOR IS FREE TO CONTINUE PURSUING A LOAN MOD WITH THE CREDITOR, TRUSTEE STANDARD ORDER OF DISTRIBUTION* (mk): debtor has to 8/18 to submit missing docs and then lender review. Email from S. West - Debtor atty provided proof that all supporting docs were sent so parties agree to Adj to 8/2. 6/7/23 (mk): debtor to submit complete Loan Mod package in 2 weeks (6/21/23) and a review within 10 -14 days. 1) Ajax Mortgage/US Bank (PLUESE BECKER) OBJ - failure to cure full arrears of $106,508.80 per POC. Plan proposes to pay $20,000 towards arrears and balance through a Loan Mod, and debtor was offered a forbearance agreement in the Fall of 2022 and did not accept it (UNRESOLVED). 2) Trustee OBJ: - Need 2022 tax return by 5/31/23 (RECEIVED - SHOWS NON-DEBTOR SPOUSE IS EMPLOYED IN AN ADMINISTRATIVE POSITION - need Amended Sch I). - Need amended 22C - filed blank (UNRESOLVED). *RESOLVED ISSUES* A) Trustee OBJ: - Excessive Expense: $530 cable/internet/cell, $1,100 food, $400 childcare (no dependents listed), $950 transportation (only debtor works), $525 car insurance. As long as plan remains at 100%, Trustee will allow expenses. If there is a modification at a later date, then the Trustee reserves right to renew an objection to excessive expenses. - Verified income leaves monthly disposable income of $873. - There is $52,979 non-exempt equity in the real estate (100%
Email Inquiry Matter Resolved Request Adjourment	81	10/4/2023 10:00 am	23-11494 / CMG	Stephen M. Goldberg, Esq.	Order Vacate Dismissal of Case	Confirmed	Debtor has made 7 of 8 required payments Arrears: $350.00 10/4/23 - corrected start date from 10/1/23 to 11/1/23 (dm) mk: sent email to atty w/ terms-ok to terms ISSUES AS OF 9/27/2023 (DM): updated 10/3/23. *TRUSTEE CAN RECOMMEND CONFIRMATION AT $2,450 PTD, THEN $581 x 52 STARTING 11/1/23, BASE PLAN* 1) Trustee OBJ: - Monthly disposable income verifies at $1,038 because of calculation below (UPDATED TO $907.58 - CALCULATION EMAILED TO ATTORNEY). - Per the 22C, monthly disposable income is $2,863 which requires a $171,780 minimum dividend to unsecured creditors (NEED EXPLANATION ON WHY CO-DEBTOR GROSS INCOME WAS REDUCED BY MORE THAN 50% IN THE AMENDED FILING - the co-debtor is a schoolteacher and only gets 20 pay periods, so debtors are below median). *RESOLVED ISSUES* A) IRS filed an estimated priority claim (AMENDED). B) Carrington Mtg filed a higher arrears claim of $17,076.70 than provided for in the Plan (OKAY TO PAY HIGHER CLAIM?? - Yes) C) Ally Financial filed $882.07 arrears claim on 2016 Chevy Malibu (OKAY TO PAY ARREARS?? - Yes) D) Trustee OBJ: - Excessive Expenses: $640 car insurance (AMENDED). - Attorney fees in the plan ($3,750) and the Disclosure Statement ($0) do not agree. One of these must be amended (AMENDED). - Need to file Pre-Confirmation Certification (FILED). Prop Plan $350 x 60, Base PTD 7/8 = $2,450 Last Claim (2-2)
Email Inquiry Matter Resolved Request Adjourment	82	10/4/2023 10:00 am	23-11815 / CMG	Daniel E. Straffi, Esq.	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 4 of 7 required payments Arrears: $1,050.00 debtor has made payments and more coming adj to 11/1/ 23 to be on w/ motion ISSUES AS OF 9/27/2023 (DM): need status of MFR since creditor is requesting acceleration. MRF adj to 10/4 - needs to amend sch for inheritance, has filed tax returns, making payment today - needs to be current by Oct date. 1) Mortgage Assets Management (McCalla) OBJs - refinance is speculative and circumstantial (UNRESOLVED). 2) Trustee OBJ: - Need amended Sch A/B and C to add real property (NOTE - Inherited property and Deed has not been transferred). *RESOLVED ISSUES* A) Trustee OBJ: - There is $16,985 non-exempt equity in real property and $13,550 non-exempt equity in 2017 Nissan EV Van for a $30,535 total (LANGUAGE ADDED). - Need 2021 and 2022 tax returns (RECEIVED). Prop. Plan $350 x 60, 100% Plan - refinance of Terrace Ave by 9/1/23 PTD 4/6 = $1,400 Last Claim (1-1)
Email Inquiry Matter Resolved Request Adjourment	83	10/4/2023 10:00 am	23-11894 / CMG	Eric J. Clayman, Esq.	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 6 of 7 required payments Arrears: $250.00 AS OF 10/02/23 (SF) 1. Objection filed by Lakewview Loan Servicing (Egerman) - failure to pay arrears and speculative loan mod (MUST RESOLVE) 2. Trustee objection:: The Plan needs to run for a minimum of 36 months. Form 122c-2 Line 45 monthly disposable income $2,457 and requires minimum $147,420 dividend to general unsecured creditors (100% Plan) (WILL RUN A MINIMUM OF 36 MONTHS AND WILL BE 100% PLAN) Plan proposes $250 x 30 100%; Loan Mod by 3/1/24 Payments: 6/6 RESOLVED: - Must file pre-confirmation certification (FILED)
Email Inquiry Matter Resolved Request Adjourment	84	10/4/2023 10:00 am	23-11975 / CMG	BRUCE H. LEVITT	Confirmation Hearing Scheduled	Dismissed	Debtor has made 1 of 7 required payments Arrears: $1,990.00 ISSUES AS OF 9/27/2023 (DM): *RECOMMEND DISMISSAL - lack of prosecution and failure to demonstrate feasibility of the $1,970 monthly 2nd tier in the Plan* (mk): mtg co submitted an Order on 9/7 for the MFR from 8/15 that was marked as OTBS. B. Levitt objected to order as he has been unable to communicate w/ client and has a Motion to W/D as atty. Per AR adj to 10/4 to motion to W/d and atty to notify debtor to appear on 10/4 1) IRS filed $1,311 estimated general unsecured claim for 2017 tax year (UNRESOLVED). 2) State of NJ filed $537.42 estimated priority tax claim for 2021 tax year (UNRESOLVED). 3) Trustee OBJ: - There is $179,016 non-exempt equity in Alameda Dr property, $84,207 in Washington Ave property, $7,000 in 21ft Aquasport, $18,000 in Formula Fast Tech 29ft, and $1,000 in 2006 Jeep. Total is $289,223 (100% Plan - ADD THRESHOLD). - Must file Pre-Confirmation Certificate (UNRESOLVED). *RESOLVED ISSUES* MFR filed by Mill City Mtg on Washington Ave property - scheduled for 7/19/23. (adj to 8/16 mk - OTBS with no impact to plan) A) IRS filed estimated priority claim (AMENDED TO $0). B) Amended Attorney Disclosure Statement does not propose to pay attorney fees through plan (wrong box checked). Plan provides for fees through the Plan. Must amend Attorney Disclosure again or file MP to remove attorney fees (AMENDED). C) Trustee OBJ: - Need updated motorcycle insurance for 2011 Harley Davidson (RECEIVED). Prop. Plan $150 x 5, $1,970 x 55, 100% Plan PTD 5/6 = $750 Last Claim (4-1)
Email Inquiry Matter Resolved Request Adjourment	85	10/4/2023 10:00 am	23-12303 / CMG	FRANK J FISCHER, ESQ	Confirmation Hearing on Modified Plan	Continued 10/18/2023 10:00 am	Debtor has made 5 of 7 required payments Arrears: $0 adj 2 weeks for med reasons to 10/18 9/29 workup for the 10/18 calendar EDC MP(#22) filed 8/28 and amended I & J- on for 10/4/23. MP does not address deficiencies in the original plan #2 and remaining trustee objectons. As of 7/12/23 (DS): Debtor attorney requested adjournment to resolve creditor objections 6/7/23 (DS): 1. Trustee obj to the following: - Need 2021 tax return for non-filing spouse (Debtor filed as HOH, not MFJ) and 2022 joint tax return, Feb & March bank statements for Wells Fargo acct#2330 and Bank of America acct#8701 prior to filing date. - Excessive expenses on Sched J such as: $200 Homeowner's insurance (escrowed with mortgage), $280 Home maintenance and $567 Utilities and Car insurance is $400 (verifies $335). - There is non-exempt equity $2,569 in 2012 Volvo. - Must file Pre-confirmation certificate. The modified plan proposes an improper partial cramdown of 2nd mortgage 2. SLS-1st mtg (STEWART LEGAL) obj to arrears owed, arrears POC filed for $5,766.21. Obj must be resolved. 3. SLS/Deutsche-2nd mtg (STEWART LEGAL) obj to reclassifying claim plus interest rate and ask that arrears $51,782.89, per POC. Obj must be resolved. 4. Santander (2007 BMW) arrears claim filed $2,975. Creditor in Plan as outside but this does not remove arrearage claim. Need to move against claim. WILL ADD LANGUAGE TO CONF ORDER Prop MODIFIED Plan $600 X 60 BEG 9/20/2023; 100% and Loan mod by 60 months Note: Proof of social security income not needed as doc provided is dated 11/4/22. After deducting the difference in excessive expenses there would be disposable income $724. OK AMENDED I & J HAVE SIMILAR INCOME
Email Inquiry Matter Resolved Request Adjourment	86	10/4/2023 10:00 am	23-12342 / CMG	TAMIKA N. WYCHE, ESQ.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 6 of 7 required payments Arrears: $1,358.00 9/26/23(mk):email to atty - ok to terms CAN REC CONFIRM AT $8,204 PTD, Then $1,411 x 54 Begin 10/1/23 100% -----------RESOLVED------------------ 9/12/23(mk): case has only 2 secured claims Wells faro and Cooper Valley ( this one is resolved but need update on Wells Fargo update on #1 and #2? can it be resolved? 1. Motion for prospective Relief on 10/4/23 . 9/22/23:RESOLVED: total cure by 9/30 - outside plan- tr requested conduit in event of future default 2.Objection By Wells Fargo/Select (McCalla): Order submitted PAY ARREARS CLAIM plan fails to pay full arrears No GYC filed Claims Order resolving objection by Cooper valley Condo Assoc submitted 4/17/23. TERMS= Pay secured portion of the claim in full at $8,752.18. Post pet payments due to creditor continue outside plan. Plan: $1366 X 60 BEG 4/2023; 100% 6/6payments
Email Inquiry Matter Resolved Request Adjourment	87	10/4/2023 10:00 am	23-12494 / CMG	Peter E. Zimnis, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 5 of 7 required payments Arrears: $675.00 9/26 workup for the 10/4 calendar EDC $1800 paid then $636 x 54 beg. 10/1/23 pro rata --treat Anesthesia Consultants as unsecured per filed claim--Pre-confirmation certificate to be filed within 7 days--debtor to sign up for ewage auto deductions within 7 days (mk) atty has $600 cash - THAT WOULD LEAVE ARREARS FOR SEPTEMBER- atty says orthodontist expense done and has 150 more toward budget- TR REQUESTIMG EWAGE FOR TR PAYMENTS payments will need to go up to $647 based on claims. Debtor has been unable to keep up with $375 a month payments. Feasible? Trustee obj to the following: - Must file Pre-confirmation certificate. 3. Capital One filed arrears claim $477.92. (TRUSTEE WILL PAY) Prop Plan $300 x 2; $375 x 58; Base --------------------- RESOLVED 8/2(mk): car insurance uploaded. will upload tax returns---DONE - Need service to motions in plan.(CLAIM IS FILED AS UNSECURED, TRUSTEE WILL TREAT AS GUC) - Need 2021/2022 tax returns (DONE)
Email Inquiry Matter Resolved Request Adjourment	88	10/4/2023 10:00 am	23-12769 / CMG	Jeffrey E. Jenkins, Esq.	Confirmation Hearing Scheduled	Dismissed - Hold Fees	Debtor has made 2 of 6 required payments Arrears: $2,521.00 09/25/23 (SF) Waiting for debtor to become current and set up ewage 10/4 to be current and respond to dispo list - debtor to be on EWAGE 8/2: to provide pay stubs and any other req docs be current including Sept- Tr will require sign up for ewage 1. Trustee objection - The debtor has insufficient income Verified income leaves monthly disposable income of $184.21. - The debtor has failed to supply the Trustee with the following document (s): - Proof of 2 month's income - . Need March pay stubs.(Attorney says more pay stubs were uploaded- not received. Debtor was on medical leave in February through middle of March. Need to resend. Need June and July pay stubs) - Need a statement for the debtor's "loan deduction".( STILL NEED) (Per atty, loan is paid. Review pay stubs. AUGUST PAY STUBS STILL SHOW THAT THERE IS A LOAN #5. DID DEBTOR RECENTLY TAKE A NEW LOAN? - The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution. MP proposes $$648 x 60 0% Payments: 2/5 Arrears: $1872.50 RESOLVED ISSUES: - The Schedules fail to account for the debtor(s) tax refund in the amount of $3,951.00 when determining disposable income. - Need to file Pre-Confirmation Certification. (FILED) - Objection filed by Carrington Mortgage Services LLC (Holdren) - failure to pay arrears of $31,451.52 and fails to state the name of the creditor. (OTBS. OK TO PAY ARREARS)
Email Inquiry Matter Resolved Request Adjourment	89	10/4/2023 10:00 am	23-12798 / CMG	Kirsten B. Ennis, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 6 of 6 required payments Arrears: $0 10/3/23(mk): UPDATED CAN REC CONFIRMA AT $1,500 PTD Then $250 x 30 Begin 11/1/23. 100%. PRESERVE EQUITY T/H OF $34,765 IN REAL PROPERTY. LM 12/5/2023 (123 WEST WARREN). OTBS RESOLVING OBJECTION BY BANK OF NY MELLON W/IN 7 DAYS. TR is NOT authorized to pay arrears to Bank of NY Mellon pending LM. FOR ORDER OF DISTRIBUTION, TR IS AUTHORIZED TO PAY THE UNSECURED CREDITORS IN FULL BEFORE ANY ATTY FEES IN THIS CASE ------------------------ 10/2/23: atty says debtor does not make that much anymore . will need to amend I & J and new proofs. Offered her AR solution to pay gucs first since they are minimal . Bank is not pushing to pay arrears pending Lm and have an order submitted that says no pay pending but atty for creditor says will always accepts pay pending if debtor agrees. 9/27/23(mk); Pay stubs submitted and income from those verified results in monthly dispo income of 2,792. Debtors should be paying mtg arrears pending LM other wise case complete shortly and it is keep open for the LM with no payments going to mtg co pending LM- OR make LM outside - review w/ atty- she claims not as much dispos income as her own schedules reflect 9/19/23(mk) Updated- **CAN RE CONFIRM AT $1,250 PTD, Then $2,000 x 31 Begin 10/1/23 100% PRESERVE EQUITY t/H OF $34,765 IN REAL PROPERTY LM 12/5/2023 (123 WEST WARREN). TR is authorized to pay arrears to Bank of NY Mellon pending LM Low base pending LM mk: TR objected to order resolving obj in #1 below. Tr needs to pay arrears pending LM - requested revised order. CREDITRO FINE W/ THAT - DEBTOR? Then Per AR can work up at 2000 p/m 100% and pay arrears pending LM LM by 12/5/23 Disposable income is 2,700 the guc claims are $850.17 Order resolving Obj by mtg co has LM by 12/5 and NO PAY ARREARS PENDING plan payments proposed at 250 CASE CAN BE OVER IN A MONTH BUT FOR THE LM BY 12/5/23 -------------------------------------------------- Motion for Loss mit on 9/6 Granted >Loss mit till 12-5-23. >>P
Email Inquiry Matter Resolved Request Adjourment	90	10/4/2023 10:00 am	23-12834 / CMG	Candyce I. Smith-Sklar, Esq.	Confirmation Hearing on Modified Plan	Confirmed	Debtor has made 10 of 6 required payments Arrears: $0 9/26 workup for the 10/4 calendar EDC CONFIRM AT: $1642 PAID THEN 162 X 54 BEG 11/1/23 PRO RATA-DEBTOR TO SURRENDER MIDDLESEX MNGMT/RIVER LINKS RENTAL--TRUSTEE WILL NOT PAY Trustee obj to the following: - Again the updated proof of income on child support is the same info and income still does not match income on Schedule I. Income verifies $500.79, not $1,028. AMENDED SCHED I CHANGES THE AMOUNT OF CHILD SUPPORT TO $228 PREVIOUSLY LISTED AS $1,028. -- Income is insufficient, disposable income verifies $-403. AMENDED SCHED J REDUCES EXPENSES TO BARELY NONE. DISPOSABLE INCOME STILL INSUFFICIENT, NOW $-150. ok edc 2. MFR filed by River Links, landlord and sched 8/2/23. Debtor has not made any post-petition payments, arrears $5,833.34. (marked otbs but no order as of 8/9) Prop Plan $368.62 x 18; $283.06 x 42; Base ------------------------ RESOLVED: -- Need service to motions in Plan. SERVICE FILED 6/29/23, BUT SERVED 6/9/23. OK
Email Inquiry Matter Resolved Request Adjourment	91	10/4/2023 10:00 am	23-12944 / CMG	Joan Sirkis Warren, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 137 of 6 required payments Arrears: $0 AS OF 9/26/2023 (at): RECOMMEND: $41,160 PAID TO DATE, $300 x 55 BEGINNING 10/1/2023, 100% PLAN Low base pending sale of residence. Sale of residence by 10/14/2023. If non exempt proceeds from sale of home are needed to complete the plan at 100%, that amount shall be turned over to the Trustee. Preserve non exempt equity of $33,751 in real estate. CAN REC CONFIRM AT $1,200 Ptd, Then $300 x 55 Begin 10/1/23 100%. Preserve NE Equity in Real Property $33,751. Sale of Real Property by 11/1/23. Any non exempt proceeds from sale of real property to be paid to TR. TR is not authorized to pay arrears pending sale. non exempt from Lawsuit proceeds paid to TR. Low base pending sale 9/12: email from atty - says Dobin distrib 250,00 to debtor in Ch 7 8/28/23(mk): >>THERE IS AN UNSECURED CLAIM (#7-1) FILED BY PANTHER VALLEY PROP. OWNERS ASSOC.( assoc'n assessments, fees and legal fees) $8,031.92- THIS WILL BE PAID AT CLOSING- YES? OR NO? mk: sent email to atty 9/5 asking this- PER ATTY- YES WILL BE PAID AT CLOSING update from atty: house sold(400,000) closing 10 /14- MOTION TO APPROVE SALE FILED on 9/20). Debtor also has a settled law suit from a prior chapter 7- Andrea Dobin is the trustee(#20-21218/CMG). Andrea is sending the debtor a check for partial proceeds in the amount of $250,000.00 this week. atty advised debtor to pay off plan from proceeds. 1. Trustee Objection: - Non-exempt proceeds from sale of property should be turned over to the Trustee. - Need status of Chapter 7 Trustee disbursement to creditors. Debtor needs to file a claims motion post Chapter 7 distribution ------------------------------------- IRS ESTIMATED CLAIM( no return for 2020-2022) APOC FILED Plan:$300 X 60 BEG 5/2023; SALE BY 12/1/2023 (15 PHEASANT RUN); 100% 2/4 payments
Email Inquiry Matter Resolved Request Adjourment	92	10/4/2023 10:00 am	23-12999 / CMG	Marc C. Capone, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 5 of 6 required payments Arrears: $1,260.00 9/30/23 (mk): **CAN REC CONFIRM AT $1,260 x 60 Begin 5/1/23 BASE w/ min to gucs of $56,558. Plus Any non exempt proceeds from sale of property to be paid to Trustee. Sale of Edlys Lane by 10/31/23. TOYOTA LEASE TRUST to be treated outside due to stay relief. Strike per plan claim of Khushnaz Etwara as no claim was filed. Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. Need to file Pre-Confirmation Certification within 10 days. ---------------------------- 1. Trustee objection: -as of now showing $56,558 in NE Equity in real property. No (d) (1) was claimed. There are no priority claims to reduce the value. - NO CLAIM FILED FOR DSO IN PLAN OF 6,028- STRIKE IT? ( yes per atty strike it) -Plan has Mtgs for Rushmore and Chase as in full and 0.00 thru plan - so PAID AT SALE -Need a statement for the TD Ameritrade account. Need March and April bank statements for Chase accounts 0650 and 7012. -Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. Need to file Pre-Confirmation Certification within 10 days. ---------Resolved------------------- atty says Order resolving Motion and obj to be filed by Monday. will upload Bk st. and DSO >MFR- OTBS- NO Order as of above date- PD AT SALE 1.Objection By Mtg -Truman Title Trust( Argentieri)- PD AT SALE - need copy of the homeowner's insurance renewal declaration ( PROVIDED) -Plan has Mtgs for Rushmore and Chase as in full and 0.00 thru plan - so PAID AT SALE SV granted 6/7/23 on 2019 Lexis- so that will be treated outside the plan Plan: $1260 X 60 BEG 5/2023; SALE 10/31/2023 (279 EDLYS LN); BASE 5/5 payments
Email Inquiry Matter Resolved Request Adjourment	93	10/4/2023 10:00 am	23-13116 / CMG	Karina Pia Lucid, Esq.	Confirmation Hearing Scheduled	Withdrawn	Debtor has made 6 of 6 required payments Arrears: $0 AS OF 7/20/2023 (at): 1. NJ Division of Taxation filed an estimated priority claim #7 that needs to be amended. (NO LONGER ESTIMATED) 2. Trustee's objection: The debtor(s) plan consists of unnecessary or excessive expense items, such as: - Food $895, Clothing $300, Transportation $710 and auto insurance for 2 cars $137 (Debtor has 1 car and per insurance should be $66). (30 YEAR OLD SON LIVES WITH DEBTOR AND DOES NOT CONTRIBUTE TO THE HOUSEHOLD. REDUCED EXPENSES BY $795 ACCORDINGLY) The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): - 22c has disposable income $3,320.63, which would require $199,237 minimum dividend to gucs. Case needs to be 100% to gucs. - Amend Bankruptcy Petition to correct the debtor's social security number and contact all three credit reporting agencies. (NOT AMENDED) RESOLVED ISSUES: The debtor has failed to supply the Trustee with the following document (s): - A copy of the last filed tax return - for 2022. (RECEIVED) - The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): - There is non-exempt equity in real property $31,809. (LANGUAGE ADDED) Modified plan proposes: $1,375 x 60 beginning 5/1/2023, not less than $65,566.37 to unsecured creditors Payments: 3/3
Email Inquiry Matter Resolved Request Adjourment	94	10/4/2023 10:00 am	23-13119 / CMG	Justin M. Gillman, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 6 of 6 required payments Arrears: $0 ISSUES AS OF 9/29/2023 (DM): 1) West Coast Servicing (Hladik, Onorato) OBJs - loan matured on 8/1/2021 and creditor has filed a total debt claim in the amount of $117,897.44. Plan proposes a loan modification on this mortgage (UNRESOLVED). 2) Trustee OBJ: - Need statements for the debtor & non-filing spouse's 401k loans and 457 loan (UNRESOLVED). - Income verifies higher ($1,424) than scheduled ($350) resulting in $1,044 monthly disposable income based upon bank statements showing DSO is paid weekly. - Excessive Expenses: $500 utilities, $700 cable/internet/phone, $500 medical and dental, $500 car insurance (verifies at $426 and will be reduced once surrendered 2021 Chevy is removed), $703 car payment. Need proof of excessive expenses 10 days prior to confirmation (UNRESOLVED). *RESOLVE ISSUES* A) ACAR Leasing obtained stay relief on 2021 Chevy Traverse (LEASE WAS NOT ASSUMED IN PART 6 OF THE PLAN AND THUS REJECTED). B) Athene Annuity & Life Assurance Company (RAS) OBJs - failure to cure arrears of $2,262.68 per POC (CONSENT ORDER SUBMITTED). C) Trustee OBJ: - Need homeowner's insurance renewal declaration (RECEIVED). - Need proof of insurance for the 2019 GMC - policy expires 7/20/23 (RECEIVED). - Must file a Fee App within 7 days of confirming (LANGUAGE ADDED). - There is $7,913 of non-exempt equity in the residence (LANGUAGE ADDED). - Need a statement for the second mortgage (WEST COAST SERVICING FILED A POC). Prop. Plan $300 x 60, Base Plan - Loan Mod by 10/31/2023 - student loans outside PTD 5/5 = $1,800 Last Claim (19-1)
Email Inquiry Matter Resolved Request Adjourment	95	10/4/2023 10:00 am	23-13740 / CMG	Carrie J. Boyle, Esq.	Confirmation Hearing Scheduled	Withdrawn	Debtor has made 3 of 5 required payments Arrears: $725.00 AS OF 9/29/2023 (at): MODIFIED PLAN FILED AND HEARING ON MOD PLAN IS 11/1/2023. RECOMMEND: $2,525 PAID TO DATE, $1,141 x 56 BEGINNING 10/1/2023, 100% PLAN Preserve non exempt equity of $82,258 in real estate. Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. 1. The NJ Division of Taxation filed an estimated claim #2 which needs to be resolved/amended. (NO LONGER ESTIMATED) 2. Objection filed by American Neighborhood Acceptance Company (Pluese Becker) - failure to cure full arrears of $43,369.36 (Per POC) and plan is not feasible. (RESOLVED - PAY PER POC) RESOLVED ISSUES: The debtor has failed to supply the Trustee with the following document (s): - A copy of the last filed tax return - 2022 (RECEIVED) - The Schedules fail to account for the debtor(s) tax refund in the amount of $1,319.00 when determining disposable income. (AVERAGED/ADDED TO INCOME) - The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): - There is $82,258 in non exempt equity in the residence. (LANUGAGE ADDED) - Need to file Pre-Confirmation Certification. (FILED) - Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED) Plan proposes: $700 x 60 beginning 6/1/2023, base Payments: 3/4, arrears $50
Email Inquiry Matter Resolved Request Adjourment	96	10/4/2023 10:00 am	23-13978 / CMG	Jennifer L. Kearney, Esq.	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 5 of 5 required payments Arrears: $0 As of 9/27/23 (DS): Debtor attorney requested adjournment, mod plan filed 9/26/23 As of 9/27/23 (DS): 1. Trustee obj to the following: - Need 2 months bank statements from TD Bank checking acct#4946 and Chase savings acct#2717. - CMA dated 1/30/23 has 2 comps from 2021 and 2 from 6/2022. Will use the most 2 recent estimated value $487,500. THERE IS NON-EXEMPT EQUITY $107,104.38. CASE WILL NEED TO BE CONFIRMED AT 100% TO ALL UNSECURED CLAIMS TO DATE GUCS FILED $51,308.46. - Need a modified Plan that propose the non-exempt equity and adds Trustee standard order of distribution. - Amended Schedules B and C to add TD Bank checking acct#3279 and OceanFirst checking acct#1692. THERE IS NON-EXEMPT EQUITY $133.52 IN OCEANFIRST#1692, $1,642.79 IN TD BANK#3279 PER BANK STATEMENTS. - Excessive expenses on Sched J: Electricity/heat/gas $527.76, Water/sewer/garbage $245.63, Tele/cell/cabler/internet $445.25 and Food $879. - Schedule I fails to add tax refund $1,477. - Must resolve all creditor objections. 2. Capital One Auto-2018 Cadillac (LAVIN, CEDRONE, GRAVER) obj to cram. Must resolve. 3. Bridgecrest/Carvana-2019 Dodge (FONTANA & NAPOLITANO) obj to cram. Must resolve. 4. TIAA, FSB filed arrears $2,644.94. Trustee ok to pay? Prop Plan $1,200 x 60 begin 6/1/23; Base Note: Amended atty disclosure filed 9/26/23 to add fees to be paid in plan. Mod plan filed 9/26/23 to add cram/motions properly, but fails to pay arrears claim of mortgage and Trustee standard order of distribution. Amended Sched B and C Mortgage claim, no recent mortgage statement needed, but has been provided. No service needed to Capital One and Carvana since obj were filed.
Email Inquiry Matter Resolved Request Adjourment	97	10/4/2023 10:00 am	23-14111 / CMG	Yakov Rudikh, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 4 of 5 required payments Arrears: $600.00 ISSUES AS OF 9/27/2023 (DM): *No proof of insurance provided. TRUSTEE WILL RECOMMEND CONFIRMATION AT $2,400 PTD, THEN $1,500 x 56 STARTING 10/1/23, BASE PLAN WITH $8,487 THRESHOLD PRESERVED, TRUSTEE IS AUTHORIZED TO PAY IRS SECURED POC (2-1) IN THE AMOUNT OF $5,670, PRE-CONFIRMATION CERTIFICATION SHALL BE FILED WITHIN 14 DAYS* (mk): debtor is currently unemployed- income from spouse. 1) IRS filed $5,670 secured claim not treated in plan (OKAY TO ADD??) 2) State of NJ filed $5,000 priority claim that includes estimated taxes for 2022 not treated in the plan (AMENDED TO $0). 3) Trustee OBJ: - Excessive Expenses: $1,100 Health insurance (UNRESOLVED), $265 car insurance (OK), $650 car payment (amended Sch B removes car - OK, VEHICLE IN SPOUSE'S NAME), and $600 Special Needs (RECEIVED PROOF OF THIS EXPENSE). Must provide proof of expenses 10 days before confirmation. - There is $8,487 non-exempt equity in real property. - Need to file Pre-Confirmation Certification (FILED). Prop. Plan $600 x 60, Base Plan PTD 4/4 = $2,400 Last Claim (3-2)
Email Inquiry Matter Resolved Request Adjourment	98	10/4/2023 10:00 am	23-14135 / CMG	Jeffrey E. Jenkins, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 2 of 5 required payments Arrears: $2,668.00 ISSUES AS OF 9/27/2023 (DM): if Motion to Allow Claim is granted, then terms are below. *To provide a 19-month prompt cure of rent arrears with attorney fees, THEN TO CONFIRM THE DEBTOR NEEDS $1,722 PTD, THEN $997 x 15 STARTING 10/1/23, THEN $854 x 41 STARTING 1/1/25, BASE PLAN, TRUSTEE STANDARD ORDER OF DISTRIBUTION, TRUSTEE SHALL PAY HYUNDAI CAPITAL POC (2-1) IN THE AMOUNT OF $26,542.49, DEBTOR SHALL SIGN-UP FOR TFS AUTO PAY AND PROVIDE PROOF OF SIGN-UP WITHIN 14 DAYS* 1) Bar date has passed, and no claim was filed by Landlord. Trustee cannot work up case without POC filed and will need motion as well to allow late filed claim, if filed (LATE CLAIM FILED BY DEBTOR ATTY 9/1/23 AND MOTION TO ALLOW LATE FILED CLAIM IS SCHED 10/4/23). 2) Plan provides $31,556 secured pay in full treatment to Kia Finance on 2022 Kia K5 - POC filed for $26,542.49 (TRUSTEE SHALL PAY PER POC - IF INTEREST IS TO BE PAID ON TOP, THEN A CONSENT ORDER WITH CREDITOR IS NEEDED) 3) Trustee OBJ: - Need updated auto insurance - insurance expired 8/26/23 (RECEIVED). - Need to add to confirming order Trustee standard order of distribution. - Must file Pre-Confirmation Certificate (FILED). Note: There is disposable income, but part income is contribution from parent assisting. Prop. Plan $861 x 60, $0 Plan PTD 2/4 = $1,722 Last Claim (9-3)
Email Inquiry Matter Resolved Request Adjourment	99	10/4/2023 10:00 am	23-14152 / CMG	Robert C. Nisenson, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 4 of 5 required payments Arrears: $200.00 9/26 workup for the 10/4 calendar EDC CONF at: *$800 paid then $200 x 56 beg 10/1/23-pro rata-Trustee to pay Santander arrearage claim through the plan with remainder of claim outside of the plan 1) Trustee objection to confirmation - need to resolve - Need to resolve the bifurcated claim filed by Santander Consumer.-Trustee to pay Santander arrearage claim through the plan with remainder of claim outside of the plan ----------------Resolved----------- - Need a statement for the Robinhood account( Provided). - Need to file Pre-Confirmation Certification.(Filed) - The Schedules fail to account for the debtor(s) tax refund in the amount of $2,807.00 when determining disposable income.(ADDED IN TO INCOME)
Email Inquiry Matter Resolved Request Adjourment	100	10/4/2023 10:00 am	23-14222 / CMG	Joseph Casello, Esq.	Confirmation Hearing on Modified Plan	Confirmed	Debtor has made 5 of 5 required payments Arrears: $800.00 As of 9/27/23(mk): atty ok to terms Work up on MP #19 $3,800 PTD, Then $864 x 56 Begin 10/1/23 Base w/ min to gucs of $42,922 due to equity in real property. must file pre conf cert. w/in 10 days 1. Trustee objection: -House $42,922 non-exempt equity Plan: $800 X570 BEG 6/2023; BASE ---------- - Objection By Wells Fargo(Brock & Scott): CONSENT ORDER SUBMITTED 7/24- PAYS ARREARS - fails to pay arrears $282.99--OK TO PAY? 5/4 payments
Email Inquiry Matter Resolved Request Adjourment	101	10/4/2023 10:00 am	23-14240 / CMG	John Zimnis, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 3 of 5 required payments Arrears: $1,200.00 adj to 11/15 for motions and to be current Mk: motion to reclassify/expunge claims(#6,10 &11) of Rahmani Bacha on for 11/15/23 AS OF 10/2/23 (at): RECEIVED PROOF OF ONE $600 PAYMENT ON 10/2/2023. RAHMANI BACHA FILED TWO SECURED AND TWO UNSECURED CLAIMS. DEBTOR'S ATTORNEY IS GOING TO MOVE AGAINST 3 OF THESE CLAIMS. 1. Objection filed by Rahmani Bacha (Andrew Karcich) - Note was due in full on 2/28/20 for $27,300. Failure to pay and plan is not feasible. (UNRESOLVED) 2. Trustee's objection: The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. 1325(a)(4): - AS of now there is 45,960 equity in real property. (UNSURE OF EQUITY UNTIL DEBTOR MOVES AGAINST BACHA CLAIMS - SECURED AND UNSECURED) - Need cert from debtor as to the two liens on real property by Burlington City. (INFORMATION RECEIVED - ONE LIEN FILED A CLAIM THE OTHER WAS CANCELLED) Plan proposes: $600 x 36 beginning 6/1/2023, sale by 4/30/2024, (once the POC's are filed, then an MP will be filed to factor the dollar amount for GUC's; see Part 1E about non-exempt equity) Payments: almost 2/5, arrears $3,200
Email Inquiry Matter Resolved Request Adjourment	102	10/4/2023 10:00 am	23-14553 / CMG	Jeffrey E. Jenkins, Esq.	Confirmation Hearing on Modified Plan	Confirmed	Debtor has made 3 of 5 required payments Arrears: $380.00 AS OF 9/25/23 (SF) RECOMMEND $984 PTD, $950 X 56 (BEGIN 10/1/23) BASE W/MIN DIV OF $11,0000 TO GUCS - PRESERVE NONEXEMPT EQUITY OF $2559 IN REAL ESTATE IN CONFIRMATION ORDER - TRUSTEE STANDARD ORDER OF DISTRIBUTION - PAY TD BANK SECURED CLAIM 2-1 IN FULL AND UNSECURED CLAIM PRO RATA 1. THE $1200 DEDUCTION ON SCHEDULE J FOR CHILD SUPPORT TO SHERRI RICHARDSON IS NOT COURT ORDERED. (NEED PROOF OF THESE PAYMENTS VIA CANCELLED CHECKS) (WILL ALLOW $500 PER CASH APP SHOWS) 2. PAYMENT OF $268 ADDED UNDER INSTALLMENT PAYMENTS. WHAT IS THIS FOR? DEBTOR ALREADY HAS TWO CAR PAYMENTS LISTED. IT APPEARS THAT THIS IS A 3RD CAR WHICH TRUSTEE OBJECTS TO. 3. Objection filed by Toyota Motor Credit Corp (Stewart) - failure to provide for arrears of $268.43 to be paid through the plan (OTBS) 4. Trustee objection: - Need a copy of the last filed tax return - 2022 (RECEIVED. REFUND IS $7638 WHICH WAS NOT INCLUDED ON SCHEDULE I. DISPOSABLE INCOME IS HIGHER) - debtor deducted support payments on Schedule J and they are deducted from the paycheck for State of NJ job. Added them back in and as a result disposable income is significantly higher than scheduled. Disposable net is $1,499.25. Stated deduction is ok. Reduced expenses by $700 for Sherri Richardson deduction as cash app only shows $500 per month (DISPOSABLE INCOME IS NOW $1,882) - The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): As of now, there is $9,512 equity in real property. (NON EXEMPT EQUITY IS NOW 2559) - nEED BASE OF $54,184 5. Add to confirmation order Trustee Standard Order of Distribution' Plan proposes $200 x 1; $291 x 59 w/min $11,000 to gucs Payments: Received $984 Arrears: $89 RESOLVED ISSUES: - Need Amendments to Schedules Voluntary Petition and A to correct county and town of debtor's residence (RECEIVED) - Must file pre conf cert. (FILED) - TD Retail card filed
Email Inquiry Matter Resolved Request Adjourment	103	10/4/2023 10:00 am	23-14626 / CMG	Jeffrey E. Jenkins, Esq.	Confirmation Hearing on Modified Plan	Continued 11/1/2023 10:00 am	Debtor has made 2 of 5 required payments Arrears: $1,050.00 As of 10/2/23(mk): 2/5 PAYMENTS arrears $1,050. BAR DATE HAS PASSED . NO LANLORD CLAIM AND 2 GUC CLAIMS TOTAL 3,686.74. YOU NEED TO EITHER GET AN ORDER TO PAY THE LL OR FILE A CLAIM AND A MOTION TO ALLOW THAT LATE CLAIM. IF YO DO NOT DO THIS. THE PER PLAN CLAIM WILL BE STRICKEN workup on plan #22 1. Plan to cure rent arrears - No claim filed bar date has passe. 2. Trustee Objection; -Proof of 2 month's income - for LYFT job -2 months bank statements from Santander savings acct prior to filing date. -Amendments to Schedules "I" to include part time LYFT income - plan has 24 mo cure of rent arrears - schedules fail to account for tax refuns of $786- ADDED IN Plan: $350 x 24 begin 6/1/23 to cure rent propmptly; $175 x 12 begin 6/2025; Base 2/4 payments
Email Inquiry Matter Resolved Request Adjourment	104	10/4/2023 10:00 am	23-14785 / CMG	Joel R. Spivack, Esq.	Confirmation Hearing Scheduled	Continued 12/6/2023 10:00 am	Debtor has made 4 of 4 required payments Arrears: $0 AS OF 9/22/2023 (at): NEED UPDATE INCOME FOR THE DEBTOR IF EMPLOYED NOW. 1. Objection filed by Abigail Cimini (debtor's daughter) - per contract with ex-wife Diana Cimini, debtor is to contribute to payment of student loans. Plan lists these loans will be paid outside by Abigail. (UNRESOLVED) 2. Need outcome of Adversary Proceeding filed by Abigail Cimini. 3. Trustee's objection: - The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): - Verified income leaves monthly disposable income of $5,205, pending review of bonus pay stub (MOOT, DEBTOR RECENTLY LOST HIS JOB). - Reviewed Form 122C, monthly gross income is $17,143 and monthly disposable income is $5,563 which requires a $333,830 minimum dividend to general unsecured creditors (MOOT, DEBTOR RECENTLY LOST HIS JOB). - Need to file Pre-Confirmation Certification. (NOT FILED) RESOLVED ISSUES: The debtor has failed to supply the Trustee with the following document (s): - A current market analysis - with comparatives sold within 6 months of filing. (RECEIVED - THERE IS $3,905 IN NON EXEMPT EQUITY - LANGUAGE ADDED) - 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 $27,415 in non exempt equity in the bank accounts. (LANGUAGE ADDED) - The Schedules fail to account for the debtor(s) tax refund in the amount of $10,061 when determining disposable income. (AVERAGED/ADDED TO INCOME) Plan proposes: $1,900 x 60 beginning 7/1/2023
Email Inquiry Matter Resolved Request Adjourment	105	10/4/2023 10:00 am	23-14977 / CMG	David G. Beslow, Esq.	Confirmation Hearing Scheduled	Dismissed - Hold Fees	Debtor has made 1 of 4 required payments Arrears: $600.00 As of 9/27/23, the Debtor has made 1 of 3 payments - RECOMMEND DISMISSAL. 341 is scheduled 10/12/23 - must submit confirmation adjournment request.
Email Inquiry Matter Resolved Request Adjourment	106	10/4/2023 10:00 am	23-14992 / CMG	Justin M. Gillman, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 2 of 4 required payments Arrears: $2,000.00 AS OF 9/29/2023 (at): 1. Objection filed by Steven Altholtz - debtor has undervalued his assets and should be liquidated to pay creditors. (UNRESOLVED) 2. Trustee's objection: The debtor has failed to supply the Trustee with the following document (s): - Proof of 2 month's income - from business for May and June. (NOT RECEIVED) - Business profit & loss statements (NOT RECEIVED) - Valuations for all cars 2022 Cadillac, 1990 Oldsmobile, 1932 Ford and valuation for Ray's Auto Restoration, LLC and accounting of liquidation of JR Stables LLC. (NOT RECEIVED) - Amendments to Schedules B to add 2020 Chevy Blazer and 2020 Buick Envision and values. (NOT RECEIVED) - The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is non-exempt equity $5,400 on tools, $96,777 in the inheritance (pending review of accounting), all vehicles (pending proof of values), Chase Business acct#1875 $644.12, Chase Bank acct#1349 $8.56 and other accts (pending all statements from other accts) and $80,000 in the business (pending valuation). (WILL NEED TO REVIEW ONCE VALUATIONS ARE RECEIVED) - The debtor has failed to provide proof of service with respect to Plan Motion (s). Service to the IRS and State of NJ Division of Taxation. (CERT OF SERVICE NOT FILED) - Amended Statement of Financial affairs to list businesses. (NOT AMENDED) - Need updated auto insurance (insurance expired 9/6/23), Auto insurance for 1990 Oldsmobile and 1932 Ford (not provided) - Chase Bank checking acct#9024 from 5/11/23 to 6/8/23 - 2 months bank statements from: - Fulton Bank - 2 PNC Banks on Sched B - three Santander Bank accts on Sched B, prior to filing date - copy of the Wills of Raymond Mamone Sr. and Estate of Bernadine Mamone, - name of attorneys who handled the probates and an accounting of each estate. - real property in FL and NJ from estate (NJ 123 Reimer St. Sommervile, NJ and Fla is a
Email Inquiry Matter Resolved Request Adjourment	107	10/4/2023 10:00 am	23-15032 / CMG	Daniel E. Straffi, Esq.	Confirmation Hearing Scheduled	Plan Denied	Debtor has made 4 of 4 required payments Arrears: $0 MP in 14 days AS OF 9/25/23 (SF) 1. Only 4 student loans listed in plan but 5 student claims were filed totaling $195,439.55. What are we paying? (MUST RESOLVE) 2. Trustee objection: - The debtor has failed to file a feasible plan - plan proposes to pay 4 student loans 100% through plan which requires plan base of $146,901.11. Proposed plan only pays in $78,000 - need to provide auto insurance, policy provided expired 1/25/23 -Need Amendments to Schedules Debtors net check is $2,080.87, Schedule I lists monthly income as $2,084.80 . The monthly income is $3,468.11 NEED TO AMEND SCHEDULE I. Spouses net check is from $1588.31 to $2689.73 (average pay is $1,892.74. The monthly income is $4,088.31) - Need supporting documentation for 960/month childcare/education expense (RECEIVED AND APPEARS TO BE $672.50 BIWEEKELY) -income verified significantly higher than scheduled amount, disposable net income is $4593.16 Plan proposes $500 x 12; $1500 x 48 Base Plan Payments: 4/4
Email Inquiry Matter Resolved Request Adjourment	108	10/4/2023 10:00 am	23-15039 / CMG	Jennifer L. Kearney, Esq.	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 3 of 4 required payments Arrears: $240.00 AS OF 9/25/2023 (at): 1. The NJ Division of Taxation filed an estimated priority claim #8 which needs to be amended. (STILL ESTIMATED) 2. Trustee's objection: - The debtor has insufficient income. - Need to file Pre-Confirmation Certification (NOT FILED) RESOLVED ISSUES: - The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution, and does not provide for equal monthly payments as required by 1325(a)(5)(iii)(l). (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION) Plan proposes: $240 x 36 beginning 7/1/2023, base Payments: 3/3
Email Inquiry Matter Resolved Request Adjourment	109	10/4/2023 10:00 am	23-15054 / CMG	Christopher G. Cassie, Esq.	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 4 of 4 required payments Arrears: $0 adj to 11/1/23 As of 9/25/23 (DS): 1. Trustee obj to the following: - Debtor has failed to file a feasible plan, need plan that propose tier plan, when car payment $540 ends in month 12. MK: per atty car loan ends in 2 years last pay oct 2025 - Need updated CMA with comps used to determine value, CMA is dated 1/29/23 and updated auto insurance, insurance expired 9/23/23. - 22c has disposable income $323.91, which requires min dividend $19,434.60 to gucs. Disposable income verifies $889. - The current Plan does not specify treatment of US Dept of HUD under the Plan, no arrears owed. ADD TO CONFIRMING ORDER TO BE TREATED AS CURRENT AND OUTSIDE. - There is non-exempt equity in real property, pending updated CMA with comps, 2017 Land Rover $3,331.25 and bank accts $3,815.85 (Credit Union savings $610.24 and 674.40, Credit Union checking $2,077.32, ABCO FCU checking $156.21 and savings $296.68). - Capital One filed arrears $10. (PER ATTY OK TO PAY) - Must file Pre-confirmation certificate. Prop Plan $565 x 60 begin 7/1/23; Dollar Base $17,841
Email Inquiry Matter Resolved Request Adjourment	110	10/4/2023 10:00 am	23-15135 / CMG	Jeffrey S. Walters	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 3 of 4 required payments Arrears: $566.00 As of 9/29/23 (DS): Debtor atty requested adjournment to resolve MFR and creditor obj. As of 9/29/23 (DS): 1. Trustee obj to the following: - Must resolve NewRez objection. 2. NewRez (PINCUS LAW GRP) obj to arrears owed more, POC filed $28,279.03. 3. MFR also filed by NewRez for post-pet arrears owed $1,346.58, motion sched 11/1/23, need outcome. 4. Burlington Twp Water & Sewer has not filed claim, bar date has passed 8/22/23. Needs to be stricken or claim filed and motion to allow late claim filed as well. Prop Plan $566 x 60 begin 7/1/23; Base Note: 2022 tax refund $5,727 no issue as disposable income would be $539.85 adding in tax refund $477.25.
Email Inquiry Matter Resolved Request Adjourment	111	10/4/2023 10:00 am	23-15226 / CMG	RONALD E NORMAN, ESQ	Confirmation Hearing Scheduled	Dismissed - Hold Fees	Debtor has made 2 of 4 required payments Arrears: $1,494.00 AS OF 10/2/2023 (at): PER DEBTOR'S ATTORNEY, PRESERVE FEES IF DISMISSED. MOD PLAN TO REMOVE RENT ARREARS TO BE FILED IF CASE CONTINUES. Trustee's objection: The debtor has failed to supply the Trustee with the following document (s): - Need a statement for the SOFI account. (NOT RECEIVED) The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): - Verified income leaves monthly disposable income of $1,308.97. - The Plan needs to run 60 months pursuant to the B22C form. - The debtor has failed to provide proof of service with respect to Plan Motion (s). Need proof of service on Bridgecrest and Onemain Financial. (CERT OF SERVICE NOT FILED) - Need to file Pre-Confirmation Certification. (NOT FILED) - Need to resolve the bifurcated claim #4 filed by Bridgecrest Acceptance. (CRAM IN THE PLAN) - Need a consent order with Bridgecrest to allow trustee to make adequate protection payments. (CONSENT ORDER NOT RECEIVED) RESOLVED ISSUES: - The Schedules fail to account for the debtor(s) tax refund in the amount of $1,886.00 when determining disposable income. (AVERAGED/ADDED TO INCOME) - The Plan fails to provide for a prompt cure of rental arrears. (NO OBJECTION BY LANDLORD) - The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION) Plan proposes: $600 x 60 beginning 7/1/2023, base Payments: 1.5/4, arrears $1,494
Email Inquiry Matter Resolved Request Adjourment	112	10/4/2023 10:00 am	23-15299 / CMG	George E Veitengruber III	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 2 of 4 required payments Arrears: $30.00 AS of 9/26/23(mk): SAME AS LAST HEARING IN AUGUST. NOTHING RESOLVED mk: Plan is a base div but will need to cover the NE equity of $73,398. Mtg claim filed and arrears higher than plan amt. 1. Objection by New Rez(Pincus): - plan fails to pay full arrears- plan says LM - not opposed to that but should pay arrears pending LM. Feasibility is an issue. 2. Objection by Calogero Iuccolino( H. Rednor): - plan fails to include creditor who holds Unsecured(2-1) claim for $83,726.14( personally g'teed Commercial promissory Note. 2. Trustee Objection: - How is debtor going to afford the second tier payment of 1,533 - there is $73,398.00 equity in real property. ----Resolved-------- - need May and June bank statements for Fifth Third Bank account #1000 (per direct deposits).PROVIDED - failed to included tax refund in the amount of $1,934 for dispos income( ADDED IN BY TR) Plan:$665 X 3; $1,533 X 57 BEG 7/2023; LM BY 3/2024 (134 SHENANDOAH BLVD); BASE 3/3 payments
Email Inquiry Matter Resolved Request Adjourment	113	10/4/2023 10:00 am	23-15457 / CMG	Marc C. Capone, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 3 of 4 required payments Arrears: $500.00 AS OF 10/03/23 (SF) RECOMMEND $500 X 48 (BEGIN 7/1/23) BASE PLAN - OK TO PAY ARREARS CLAIM 10-1 TO CARVANA - OK TO PAY ARREARS CLAIM 11-1 TO CARVANA - ATTY MUST FILE FEE APPLICATION FOR ESTIMATED HOURLY FEES OF $3000 WITHIN 7 DAYS OF ENTERED CONFIRMATION ORDER 1. Carvana filed arrears claim 10-1 for $354 (OK TO PAY?) 2. Carvana filed arrears claim 11-1 for $115 (OK TO PAY?) Plan proposes $500 x 48 Base Payments: 3/4 Arrears: $500 RESOLVED ISSUES: Trustee objection: -Need to file Pre-Confirmation Certification with Court (FILED) - The IRS filed estimated unsecured claim 17-1 (AMENDED)
Email Inquiry Matter Resolved Request Adjourment	0	10/4/2023 10:00 am	23-15541 / CMG	Peter E. Zimnis, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 3 of 4 required payments Arrears: $600.00 As of 10/2/23 (DS): Ok to confirm at $1,800 paid, $686 x 56 begin 11/1/23; 100% with a minimum dividend $3,288.13 due to non-exempt equity and the balance of attorney fees to be paid per attorney disclosure on doc#16. 1. No Trustee payments made, Debtor in arrears $1,200, made 0 out of 2 payments, soon 3. - DEBTOR MADE 2 PAYMENTS 8/30/23, ONLY OWES SEPT. PAYMENT. 2. Trustee obj to the following: - The debtor has failed to supply proof of Social Security Number to the Trustee. Cert uploaded and proof to MK sent. - Need updated homeowner insurance for Second St property (expired 8/4/23)) and homeowner insurance with personal liability coverage on Davis Ave property. - Need a Mod Plan that changes attorney fees per disclosure $3,650 or amend attorney disclosure to per plan $4,050. PER ATTY PAY PER DISCLOSURE - Debtor has undertaken an improper use of exemption. Specifically: D(5) over exempts by $1,605. - There is disposable income, income verifies higher and tax refund not on Schedule I. Plan propose 100%. - There is non-exempt equity in Bank of Princeton $1,879.59 and Lien Mark LLC $1,408.54 (per bank statement). - Must file Pre-confirmation certificate. FILED Prop Plan $600 x 60 begin 7/2023; 100%
Email Inquiry Matter Resolved Request Adjourment	114	10/4/2023 10:00 am	23-15553 / CMG	Robert Cameron Legg, Esq.	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 3 of 4 required payments Arrears: $1,121.00 11/1/23 to resolve tx claims issues as of 9/26/2023 (JMA) 1) Carrington Mortgage Services, LLC/Deutche Bank (Hill Wallack LLP) objection to confirmation - need to resolve -approximate pre-petition arrears $74,135.66; CLAIM #8 FILED WITH ARREARS IN THE AMOUNT OF $74,443.91 2) Trustee objection to confirmation - need to resolve - A copy of the last filed tax return - for 2022. - The debtor has failed to provide proof of service with respect to Plan Motion (s). RESOLVED, FILED - Must resolve IRS estimated tax claim. STILL ESTIMATED - Must file Pre-confirmation certificate. STILL NOT FILED 3) IRS priority claim 2 is estimated for 2020 and 2022 taxes - need to resolve proposed plan $1,121x60 base plan paid in $3,363 last claim 17
Email Inquiry Matter Resolved Request Adjourment	115	10/4/2023 10:00 am	23-15594 / CMG	Brad J. Sadek, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 3 of 4 required payments Arrears: $200.00 AS OF 9/26/23 (SF) RECOMEND $200 X 60 (BEGIN 7/1/23) BASE - OK TO PAY ARREARS CLAIM 22-1 TO FREEDOM MORTGAGE - FILE PRE-CONFIRMATION CERT WITHIN 14 DAYS - STUDENT LOANS OUTSIDE PLAN 1. Trustee objection: - The current Plan does not specify treatment of Freedom Mortgage arrears claim under the Plan. Claim 22-1 in the amount of $141.45 - Need to file Pre-Confirmation Certification. - student loans outside. Plan proposes $200 x 60 Base Payments: 3/3 RESOLVED ISSUES: - Domestic Support Obligation information for Debtor (RECEIVED) - Need a statement for the debtor's PST loan showing balance due to complete. (EXPIRES IN 38 MONTHS)
Email Inquiry Matter Resolved Request Adjourment	116	10/4/2023 10:00 am	23-15724 / CMG	Daniel E. Straffi, Esq.	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 2 of 3 required payments Arrears: $500.00 mk: creditor objects to HR as debtro has made no Adeq. protection payments per the terms of Loss mit Order and MRF is on for 11/1/23. Both parties consent to adj conf to 11/1/23 AS OF 9/21/2023 (at): RECOMMEND: $1,000 PAID TO DATE, $500 x 19 BEGINNING 10/1/2023, $975 x 39 BEGINNING 5/1/2025, LOAN MODIFICATION BY 11/14/2023, BASE WITH A MINIMUM OF $6,439 DUE TO NON EXEMPT EQUITY IN PERSONAL PROPERTY Student loans will be paid outside of the plan. Preserve non exempt equity of $6,439 in personal property. Low base pending loan modification. Trustee is to disburse towards mortgage arrears pending loan modification. Claim #1 filed by TD Bank will be paid through the plan. 1. Objection filed by US Bank (RAS) - debtors were already denied for a loan modification due to insufficient income. (RESOLVED - LOAN MODIFICATION BY 11/14/23 OR AS EXTENDED - TRUSTEE TO PAY TOWARDS ARREARS PENDING LOAN MODIFICATION) 2. TD Bank filed a secured arrears claim #1 in the amount of $733.14 which is not in the plan. Is the debtor going to pay this claim? RESOLVED ISSUES: 3. Trustee's objection: The debtor has failed to supply the Trustee with the following document (s): - Need June and July bank statements for Wells Fargo account 5661. (RECEIVED) - A Modified Plan that steps up trustee payment in May, 2025 when car loan is paid off. ($474/month) - The current Plan does not specify treatment of TD Bank secured arrears claim #1 in the amount of $733.14 under the Plan. The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): - There is $3,765 in non exempt equity in the 2017 Hyundai Tucson. - There is $2,443 in non exempt equity in the bank accounts. ($2,674 NOW THAT ACCT 5661 REC'D) - Need to resolve objection by US Bank Trust. (RESOLVED) - Student loans outside (LANGUAGE ADDED) Plan proposes: $500 x 60 beginning 8/1/2023, loan modification by 12/1/2023, base Payments:
Email Inquiry Matter Resolved Request Adjourment	117	10/4/2023 10:00 am	23-15780 / CMG	Karina Pia Lucid, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 3 of 3 required payments Arrears: $0 As of 9/27/23 (DS): Debtor attorney requested adjournment to provide docs and amend schedules As of 9/25/23 (DS): 1. Trustee obj to the following: - Need CMA with comps with properties sold in the last 6 months from filing date, 2 months bank statements from TD Bank acct#9960, Bank of America savings acct#5340 and PNC Bank acct#0558 prior to filing date. - Excessive expenses on Sched J such as: home maintenance $350 and car insurance $420 (verifies $341). Plan pays 100%. - There is non-exempt equity in real property $57,280.59 (pending updated CMA), 2016 Honda Accord $856, 2008 Honda Civic $2,300, Bank of America acct#7062 for $72.74 in Debtor's name only, TD Bank acct#4060 for $1,130.12 in Debtor's name only, TD Bank acct #9960 (pending bank statements), Bank of America savings acct#5340 (pending bank statements) and PNC Bank acct #0558 Debtor's name only (pending bank statements). - Must resolve creditor objection. 2. US Bank (ROBERTSON, ANSCHUTZ, SCHNEID, CRANE & PARTNER) obj to arrears owed, POC filed arrears $3,046.74. Must resolve obj. 3. State of NJ filed estimated tax claim 2021-2023 taxes not filed. Prop Plan $700 x 60 begin 8/1/23; 100%
Email Inquiry Matter Resolved Request Adjourment	118	10/4/2023 10:00 am	23-15822 / CMG	Robert Cameron Legg, Esq.	Confirmation Hearing Scheduled	Continued 10/18/2023 10:00 am	Debtor has made 2 of 3 required payments Arrears: $1,473.00 As of 9/26/23 (DS): 1. Prestige Financial-2019 Nissan (MORTON) obj to cram since it was purchased 7/14/22, less than 910 days from 7/7/23 filing. Must resolve obj. 2. State of NJ filed estimated tax claim, 2019-2022 tax return not filed. Must resolve claim. 3. Motions to expunge claims#2-1 to claims#5-1 and claim#12-1 all claims filed by LVNV Funding and scheduled 10/4/23. 4. BELOW ISSUES REMAIN UNRESOLVED. As of 9/1/23 (DS): Debtor attorney requested adjournment to allow time to resolve IRS estimated claim 9/6/23 (DS): 1. Trustee obj to the following: - Need 2022 Tax returns for Debtor only. - Must resolve IRS estimated tax claim, 2019 - 2022 tax returns not filed. - Must file Pre-confirmation certificate. Prop Plan $982 x 60 begin 8/1/23; Base Note: Service to motions in plan done 8/17/23.
Email Inquiry Matter Resolved Request Adjourment	119	10/4/2023 10:00 am	23-15882 / CMG	John Zimnis, Esq.	Confirmation Hearing on Modified Plan	Confirmed	Debtor has made 2 of 3 required payments Arrears: $750.00 AS OF 9/27/2023 (at): RECOMMEND: $1,500 PAID TO DATE, $750 x 54 BEGINNING 11/1/2023, BASE Trustee's objection: - must file pre conf cert. (FILED) Modified Plan before confirmation proposes: $350 paid to date, $750 x 56 beginning 9/1/2023, base Payments: 1/2, arrears $600
Email Inquiry Matter Resolved Request Adjourment	120	10/4/2023 10:00 am	23-15904 / CMG	Steven J. Abelson, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 2 of 3 required payments Arrears: $625.00 AS OF 10/2/2023 (at): RECOMMEND: $1,903.96 PAID TO DATE, $917 X 57 BEGINNING 11/1/2023, 100% PLAN Claims will be paid according to the plan. Preserve non exempt equity of $52,485 in real estate. 1. Borough of Beachwood filed a secured claim #2 in the amount of $1,273.64 which is not in the plan. Is the debtor going to pay this claim? (100% PLAN) 2. Trustee's objection: - Need June and July bank statements for Wells Fargo account 9818. (NOT RECEIVED) RESOLVED ISSUES: The debtor has failed to supply the Trustee with the following document (s): - Business forms - for Mike's Flooring LLC. (RECEIVED) MK: filed 9/19 - Need to file Pre-Confirmation Certification. (FILED) MK: FILED - A copy of the homeowner's insurance renewal declaration - that includes liability coverage. (RECEIVED) - Need proof of insurance for the 2009 VW Jetta. (RECEIVED) - The Schedules fail to account for the debtor(s) tax refund in the amount of $991.00 when determining disposable income. (AVERAGED/ADDED TO INCOME) Distribution is per plan. (LANGUAGE ADDED) Plan proposes: $843 x 60 beginning 8/1/2023, 100% plan Payments: 2/2
Email Inquiry Matter Resolved Request Adjourment	121	10/4/2023 10:00 am	23-15966 / CMG	Kevin C. Fayette, Esq	Confirmation Hearing Scheduled	Confirmed	Debtor has made 2 of 3 required payments Arrears: $2,435.00 AS OF 10/2/23 (SF) RECOMMEND $2435 X 2 (BEGIN 8/1/23); $2498 X 58 (BEGIN 10/1/23) BASE PLAN - OTBS WITHIN 30 DAYS RESOLVING OBJECTION FILED BY PLANET HOME LENDING 1. Objection filed by Planet Home Lending (Moyer) - failure to pay arrears of $154,476.25 (MUST RESOLVE) Arrears claim filed for $115,140.03 (OTBS, OK TO PAY ARREARS) 2. Trustee objection: - The debtor has insufficient income Verified income leaves monthly disposable income of $1,708.50. Plan proposes $2435 x 60 Base Payments: 2/2 RESOLVED ISSUES: - The debtor has failed to provide proof of service with respect to Plan Motion (s). - Need proof of service on Midland Funding LLC. - Need to file Pre-Confirmation Certification. - State of NJ filed estimated unsecured claim 10-1 (AMENDED)
Email Inquiry Matter Resolved Request Adjourment	122	10/4/2023 10:00 am	23-15974 / CMG	James J. Cerbone, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 2 of 3 required payments Arrears: $798.00 AS OF 10/2/2023 (at): RECOMMEND: $1,596 PAID TO DATE, $1,109.00 x 57 BEGINNING 11/1/2023, 100% PLAN Preserve non exempt equity of $101,721 in real estate. Trustee's objection: The debtor has failed to supply the Trustee with the following document (s): - Proof of 2 month's income - for April and May. (NOT RECEIVED) - Business profit & loss statements (NOT RECEIVED) - A copy of the homeowner's insurance renewal declaration - Policy expires 9/20/2023. (NOT RECEIVED) - Need June and July bank statements for the Dasher Direct account. (NOT RECEIVED) RESOLVED ISSUES: The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): - There is $101,721 in non exempt equity in the residence. (LANGUAGE ADDED) Plan proposes: $798 x 60 beginning 8/1/2023, 100% to unsecured creditors Payments: 1/2, arrears $798
Email Inquiry Matter Resolved Request Adjourment	123	10/4/2023 10:00 am	23-16024 / CMG	PRO SE	Confirmation Hearing Scheduled	Continued 10/10/2023 10:00 am	Debtor has made 0 of 3 required payments Arrears: $130.00 Mk email debtor about car insurance- and explain process to debtor and make payments. issues as of 9/28/2023 (JMA) 1) 341 not held, not rescheduled 2) No Trustee plan payments, arrears 129.99 as of oct 3- 0/3 payments Debtor will receive proceeds from car accident injury of over 20,000
Email Inquiry Matter Resolved Request Adjourment	124	10/4/2023 10:00 am	23-16202 / CMG	Georgette Miller, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 2 of 3 required payments Arrears: $600.00 As of 9/29/23(mk): >>BAR DATE IS 9/28/23- total guc claims 17,937.02 so needs to be 100% CAN REC CONFIRM AT $600 x 60 Begin 8/1/23 100% Preserve T/H equity in real property of $$30,264.95 >Plan will complete early 1. Trustee objection: - need Amendments to Schedules C to exempt personal property -Need a statement for the non filing spouse's 401k loan There is $30,264 in non exempt equity in the residence. Plan:$600 X 60; BASE 2/2 payments
Email Inquiry Matter Resolved Request Adjourment	125	10/4/2023 10:00 am	23-16205 / CMG	Jeffrey E. Jenkins, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 1 of 3 required payments Arrears: $1,340.00 AS OF 9/26/23 (SF) NO PAYMENTS - 1 payment just received Arrears $1340 1. Objection filed by Santander/Chrysler Capital - failure to assume lease; failure to pay arrears of $1726.81 2. Trustee objection: - Need June and July bank statements for Bank of America account and for Chase account #6680. (ACCOUNT NUMBERS ARE NOT LISTED ON STATEMENTS PROVIDED) - The debtor(s) plan consists of unnecessary or excessive expense items, such as: $350 & $679 & 450/month car payments (cannot have 3 car payments) - Verified income leaves monthly disposable income of $2,569. - The current Plan does not specify treatment of Acura Financial filed arrears claim 1-3 in the amount of $155 and JP Morgan filed arrears claim 6-1 in the amount of $419.50 The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution - Need to file Pre-Confirmation Certification. - Need to resolve the estimated claim filed by the IRS for 2021. Plan proposes $672 x 60 0% No payments: 0/2 Arrears: $1344
Email Inquiry Matter Resolved Request Adjourment	126	10/4/2023 10:00 am	23-16208 / CMG	James J. Cerbone, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 3 of 3 required payments Arrears: $0 AS OF 9/28/2023 (at): RECOMMEND: $1,404 PAID TO DATE, $706 X 58 BEGINNING 10/1/2023, 100% PLAN Preserve non exempt equity of $23,437 in real estate. Need to file Pre-Confirmation Certification within 10 days of confirmation. 1. Wells Fargo/Value City Furniture filed a bifurcated claim #3 which needs to be addressed. (100% PLAN) 2. Trustee's objection: - Must file Pre-confirmation certificate. (NOT FILED) - The debtor needs to provide HUD statements for all properties that she has owned in the last 4 years. (NOT RECEIVED) RESOLVED ISSUES: The debtor has failed to supply the Trustee with the following document (s): - Updated auto insurance, insurance expires 9/3/23. (RECEIVED) - The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): - There is non-exempt equity in real property $23,437.58. The plan must remain a 100% plan as proposed. (LANGUAGE ADDED) Plan proposes: $468 x 60 beginning 8/1/2023, 100% plan Payments: 2/2
Email Inquiry Matter Resolved Request Adjourment	127	10/4/2023 10:00 am	23-16248 / CMG	Marc C. Capone, Esq.	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 8 of 3 required payments Arrears: $500.00 As of 9/29/23 (DS): Debtor atty requested adjournment to allow time to filed mod plan As of 9/28/23 (DS): PER EMAIL FROM DEBTOR ATTY, DEBTOR LOST JOB AND CO-DEBTOR LOST 2ND JOB, NOT SURE HOW PLAN WILL BE FEASIBLE AT THIS POINT, BUT ATTY WILL BE FILING A MOD PLAN AND AMENDED SCHEDULE I, WILL ALSO NEED 2 MONTHS OF PROOF OF INCOME FROM UNEMPLOYMENT AND CO-DEBTOR NEEDS TO BE PROVIDED. 1. Trustee obj to the following: - Need June and July bank statements for PNC Bank acct#5875. - Excessive expenses on Sched J such as: $769 & $696 for car payments, $1,016 Support payments ($1,270/month is deducted from co-debtor's pay check monthly). - Reviewed the 22C, Line 19 (court ordered payments) requires proof and line 33d should be $0. Per the 22C, monthly disposable income is $3,019 which requires a minimum dividend of 181,146 to general unsecured creditors. Verified income leaves monthly disposable income of $2,464.20. - There is estimated non-exempt equity $15,478.31 (pending that all secured claims filed against the property) and $747 in PNC Bank acct#5875 pending statements. - The Debtor has failed to provide proof of service with date that creditor was served (The form is blank as to date served) and street address (not PO Box). - Must file Pre-confirmation certificate. - Must file fee app 7 days prior to confirming. 2. Quantum Grp/Aqua Finance/Power Home Remodeling filed claim (windows and doors), which is not in plan. Prop Plan $1,934 x 2 begin 8/1/23; $500 x 4 begin 10/1/23; $2,040 x 54 begin 2/1/24; $0 Note: DSO Info sheet, marriage cert and 2022 tax return provided. Amended Voluntary page with additional name of Debtor filed 8/24/23.
Email Inquiry Matter Resolved Request Adjourment	128	10/4/2023 10:00 am	23-16314 / CMG	David G. Beslow, Esq.	Confirmation Hearing Scheduled	Plan Denied	Debtor has made 0 of 3 required payments Arrears: $1,530.00 atty has proof of payment MP filed on for 10/18 AS of 9/22/23(mk) 341 now on 10/19 0/3 payments
Email Inquiry Matter Resolved Request Adjourment	129	10/4/2023 10:00 am	23-16319 / CMG	Steven J. Abelson, Esq.	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 1 of 3 required payments Arrears: $300.00 issues as of 9/21/2023 (JMA) 1) 341 not held, not rescheduled 2) Not current with Trustee plan payments, arrears $150 3) Need to file Pre Confirmation Certification with Court proposed plan $150x36 base paid in $150 arrears $150 last claim 15
Email Inquiry Matter Resolved Request Adjourment	130	10/4/2023 10:00 am	23-16382 / CMG	WARREN S JONES, JR ESQ	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 1 of 3 required payments Arrears: $1,730.00 issues as of 9/26/2023 (JMA) 1) Trustee objection to confirmation - need to resolve - The debtor has insufficient income disposable income verifies $123. - The debtor has failed to file a feasible plan - income is insufficient. - The debtor has failed to supply the Trustee with the following document (s): A copy of the homeowner's insurance renewal declaration - insurance provided expired 8/15/23. - Certification on 1099 employment and supporting docs. - Must file Pre-confirmation certificate. proposed plan $865x60 base plan paid in $865 arrears $865 last claim 5
Email Inquiry Matter Resolved Request Adjourment	131	10/4/2023 10:00 am	23-16386 / CMG	Laurence R. Sheller, Esq.	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 2 of 3 required payments Arrears: $700.00 As of 10/2/23:(mK): updated. needs 30 days to resolved NJ estimated claim 1. ESTIMATED TAX CLAIMS BY ST OF NJ- needs to be resolved PLan:700 x 60 Base STD Loans outside -------------RESOLVED-------- ESTIMATED TAX CLAIMS BY IRS) APOC -0- Trustee objection: need auto insurance renewal, policy provided expired 8/10/2023(Provided) Objection US Bank (Powers): Order submitted- Pay arrears claim 6th filing - bad faith etc.
Email Inquiry Matter Resolved Request Adjourment	132	10/4/2023 10:00 am	23-16456 / CMG	Robert B Davis	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 2 of 3 required payments Arrears: $200.00
Email Inquiry Matter Resolved Request Adjourment	133	10/4/2023 10:00 am	23-16506 / CMG	Russell L. Low, Esq.	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 0 of 3 required payments Arrears: $450.00 updated 10/2/2023 provided proof of TFS payment - ok to grant adjournment issues as of 9/26/2023 (jma) 1) Trustee objection to confirmation - need to resolve - Proof of 2 month's income - from person contributing to household (Choudhary), per affidavit. - Updated auto insurance, insurance expired 9/15/23. - 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): Proof of income verifies much higher, per year to date net income. Also 2022 tax returns show a much higher gross income for Debtor, which would agree with year to date income per pay stubs. - The current Plan does not specify treatment of TD Retail/Raymour & Flanigan and Wells Fargo/Value City Furniture under the Plan. - Need proof of income for April and May 2023, balance statement owed to LoanPal for solar panels and balance statement for 401(k) loan, prior to filing date. - Must file Pre-confirmation certificate RESOLVED, FILED 2) TD Retail Card Services claim #6 is a bifurcated claim which is not treated in the plan - need to resolve 3) Wells Fargo Bank claim #9 is a bifurcated claim which is not treated in the plan - need to resolve proposed plan $150x60 base plan paid in $0 arrears $300 last claim 15
Email Inquiry Matter Resolved Request Adjourment	134	10/4/2023 10:00 am	23-16532 / CMG	Robert Cameron Legg, Esq.	Confirmation Hearing Scheduled	Continued 10/18/2023 10:00 am	Debtor has made 3 of 3 required payments Arrears: $0 AS OF 9/29/2023 (at): 1. Objection filed by Specialized Loan Servicing (Meadow Street) (Stewart Legal) - failure to cure arrears "per proof of claim". (No claim filed to date) 2. Trustee's objection: - Must resolve creditor objection. (UNRESOLVED) RESOLVED ISSUES: The debtor has failed to supply the Trustee with the following document (s): - A copy of the homeowner's insurance renewal declaration - for Oceanic Dr (expires 8/24/23). (RECEIVED) - Must resolve IRS estimated tax claim. (NO LONGER ESTIMATED) - Domestic Support Obligation information for support payments listed on Schedule J. (RECEIVED) The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): - There is non-exempt equity in Meadow St $31,256.60, Oceanic Dr $379,626, Colonial Ct $42,844, Cash $3,525, TD Ameritrade $8,000, MJMD, LLC $10,000 and Jersey Four Sure $10,000. (LANGUAGE ADDED) - Must file Pre-confirmation certificate. (FILED) Plan proposes: $2,513 x 60 beginning 8/1/2023, 100% plan Payments: 2/2
Email Inquiry Matter Resolved Request Adjourment	135	10/4/2023 10:00 am	23-16535 / CMG	Marc C. Capone, Esq.	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 0 of 3 required payments Arrears: $1,638.00 AS OF 10/2/2023 (at): RECEIVED PROOF OF ONE PAYMENT ON 10/2/23. 1. 341 is scheduled for 10/19/23. 2. Payments: 0/3, $1,638
Email Inquiry Matter Resolved Request Adjourment	136	10/4/2023 10:00 am	23-16547 / CMG	Lee M. Perlman, Esq.	Confirmation Hearing Scheduled	Continued 10/18/2023 10:00 am	Debtor has made 2 of 3 required payments Arrears: $675.00 closing st uploaded As of 9/25/23 (DS): 1. Trustee obj to the following: - Need Certification and documentation, including Settlement Statement, regarding the disposition of $60,000 in proceeds received from the sale of condo. - Sched J has excessive expenses: $190 cell, $500 food and $400 pet care, due to excessive expenses disposable income would verify $1,139.38. - Must file Pre-confirmation certificate. Prop Plan $675 x 36 begin 8/1/23; Base Note: Expenses $150 personal care and $200 entertainment ok.
Email Inquiry Matter Resolved Request Adjourment	137	10/4/2023 10:00 am	23-16581 / CMG	Yakov Rudikh, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 2 of 2 required payments Arrears: $0 As of 10/2/23 (DS): Debtor attorney requested adjournment, 341 sched 10/19/23
Email Inquiry Matter Resolved Request Adjourment	138	10/4/2023 10:00 am	23-16583 / CMG	Camille J. Kassar, Esq.	Confirmation Hearing Scheduled	Dismissed	Debtor has made 0 of 2 required payments Arrears: $300.00 issues as of 9/21/2023 (JMA) 1) 341 not held, not rescheduled-no docs at all 2) No Trustee plan payments, arrears $150 3) Need to file Pre Confirmation Certification with Court proposed plan 4150x60 100% with sale by 12/31/2023 paid in $0 arrears $150 last claim 2 MK:9/30/23: Order resolving Obj by Wells Fargo( Logs) submitted-terms=pay pre pet arrears thru sale of RE by 12/31/23 - no provision to pay pending sale
Email Inquiry Matter Resolved Request Adjourment	139	10/4/2023 10:00 am	23-16589 / CMG	Bruce C. Truesdale, Esq.	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 2 of 2 required payments Arrears: $0 issues as of 9/21/2023 (JMA) 1) Consumer Portfolio Services Inc (Bernstein Burkley) objection to confirmation - need to resolve -arrears $407.18 2) Trustee objection to confirmation - need to resolve - The Schedules fail to account for the debtor(s) tax refund in the amount of $1,896 when determining disposable income. - The Plan fails to provide for a prompt cure of rental arrears. - Must file Pre-confirmation certificate. proposed plan $550x60 base plan paid in $550 last claim 12
Email Inquiry Matter Resolved Request Adjourment	140	10/4/2023 10:00 am	23-16614 / CMG	Georgette Miller, Esq.	Confirmation Hearing Scheduled	Confirmed	Debtor has made 1 of 2 required payments Arrears: $600.00 As of 10/3/23(mk):email to atty CAN REC CONFIRM AT $600 PTD,THEN 600 X 58 BEGIN 10/1/23 Base. Trustee is authorized to pay Towne Mtg arrears claim #7-1 in the amount of 2,529.95 through the plan ----------------------------- 1. Claim for arrears filed by Towne Mtg for $2,529.95. Plan has unaffected- OK TO PAY? 2. Trustee Objection: -need Wells Fargo acct #5146 bank statement for June and July 2023. -Schedule J excess expenses $1,145 medical/dental - need supporting documentation for the expenses; $995 wife credit cards - need supporting documentation. -Form 122c excess expense Line 22 Additional health care expenses $1,292 (not the same amount as medical expenses on Schedule J); Line 30 $46 additional food/clothing; Line 43 student loans $350 (not the same amount as student loans on Schedule J ) Plan: $600 X 60 BEG 9/2023; BASE 1/2 payment
Email Inquiry Matter Resolved Request Adjourment	141	10/4/2023 10:00 am	23-16620 / CMG	Andrew Thomas Archer	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 1 of 2 required payments Arrears: $400.00 issues as of 9/21/2023 (JMA) 1) Rushmore Loan Management Services (Friedman Vartolo) objection to confirmation -arrears $25,563.61 2) Trustee objection to confirmation - need to resolve - Need a statement for the Amazon stock account. RESOLVED, PROVIDED STATEMENT - Need to file Pre-Confirmation Certification. - Need to amend schedules once debtor starts receiving her pension in September and is then required to reduce her hours at Amazon. proposed plan $400X60 0% plan paid in $400 last claim 6
Email Inquiry Matter Resolved Request Adjourment	142	10/4/2023 10:00 am	23-16624 / CMG	RICHARD D ROBINSON	Confirmation Hearing Scheduled	Dismissed	Debtor has made 0 of 2 required payments Arrears: $2,000.00 NS As of 10/2/23(mk) NO 341 docs at all 0/2 payment
Email Inquiry Matter Resolved Request Adjourment	143	10/4/2023 10:00 am	23-16627 / CMG	Camille J. Kassar, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 1 of 2 required payments Arrears: $350.00 341 now on 10/19/23 1/2 payments
Email Inquiry Matter Resolved Request Adjourment	144	10/4/2023 10:00 am	23-16646 / CMG	Robert C. Nisenson, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 1 of 2 required payments Arrears: $200.00 AS OF 10/3/2023 (at): 1. 341 now on 10/19/23. 2. Payments:1/2 payments
Email Inquiry Matter Resolved Request Adjourment	145	10/4/2023 10:00 am	23-16694 / CMG	Scott D. Sherman, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 1 of 2 required payments Arrears: $250.00 As of 10/2/23 (DS): Debtor attorney requested adjournment, 341 sched 10/19/23
Email Inquiry Matter Resolved Request Adjourment	146	10/4/2023 10:00 am	23-16729 / CMG	Daniel E. Straffi, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 2 of 2 required payments Arrears: $0 341 now on 10/19 2/2 payments issues as of 9/21/2023(JMA) 1) 341 not held, not rescheduled 2) Current with Trustee plan payments 3) Need to file Pre Confirmation Certification with Court proposed plan $850x60 base plan paid in $850 last claim 15
Email Inquiry Matter Resolved Request Adjourment	147	10/4/2023 10:00 am	23-16734 / CMG	STEPHANIE SHRETER, ESQ	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 2 of 2 required payments Arrears: $0 As of 10/3/23(mk) 341 now on 10/19/23 2/2 payment
Email Inquiry Matter Resolved Request Adjourment	148	10/4/2023 10:00 am	23-16771 / CMG	Rodney Nelson, Esq.	Confirmation Hearing Scheduled	Dismissed	Debtor has made 0 of 2 required payments Arrears: $400.00 10/2/23(mk) Email from A. Jennings rep. creditor on both properties. SAYS: Trustee's disposition recommends dismissal which Creditor on both properties agree with due to the following: A motion to participate in loss mitigation was filed, docket entry 17. The motion provides for loan modification on the 56 WEEQUAHIC AVE property, however the plan provides for loan modification on the 3 GUISBOROUGH property. Furthermore, debtor is unable to receive a loan modification with respect to the 56 WEEQUAHIC AVE property as Borrower was last reviewed and denied on 5/26/2023. Only options are collateral- short sale, short pay, assumption. Plan provides for cure & maintain of 56 WEEQUAHIC AVE property yet a motion for loss mitigation was filed. Plan provides for unclear treatment of the 3 GUISBOROUGH property as it provides for loan modification, cure & maintain, and as being unaffected. AS OF 9/29/2023 (at): NEED HOMEOWNER'S INSURANCE FOR BOTH PROPERTIES. DEBTOR HAS MADE NO TRUSTE PAYMENTS. 1. Objection filed by Citigroup Mortgage (RAS) - plan proposes a cure, loan modification and lists the creditor as unaffected. Plan is unclear as to treatment of this creditor. (UNRESOLVED) 2. Objection filed by Athene Annuity & Life (RAS) - failure to cure full arrears of $57,632.69 (Per obj - no POC yet). (UNRESOLVED) 3. Trustee's objection: - The debtor has insufficient income verified income is -$190 p/m. The debtor has failed to supply the Trustee with the following document (s): - A copy of the last filed tax return - 2022 prior to confirmation. (NOT RECEIVED) - A copy of the homeowner's insurance renewal declaration - for 3 Guisborough and 56 Weequahic. need declaration pages showing specific coverage (NOT RECEIVED) The Schedules fail to account for the debtor(s) tax refund in the amount of $791.00 when determining disposable income. - Need to file Pre-Confirmation Certification. (NOT FILED) - Need to resolve the estimated claim filed by the IRS. (STILL ESTIMATED
Email Inquiry Matter Resolved Request Adjourment	149	10/4/2023 10:00 am	23-16784 / CMG	THOMAS G. EGNER	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 1 of 2 required payments Arrears: $250.00 As of 10/2/23 (DS): Debtor atty requested adjournment to resolve all issues, proof of payment attached to adj req. 1. No Trustee payments made, arrears $250, soon $500, made 0 out of will be 2 payments. PROOF OF MONEY ORDER PROVIDED FOR $250 2. Trustee obj to the following: - Proof of income verifies much higher, there is disposable income $2,455, also Schedule I failed to add tax refund $3,886 when determining disposable income. CASE MAY NEED TO BE 100% DUE TO DISPOSABLE INCOME. SCHED F HAS $18,068 AND TOTAL GUCS FILED TO DATE IS $2,948.18. RECOMMEND WAITING PASS BAR DATE 10/16/23. - Must resolve NJ Motor Vehicle bifurcated claim. - Must file Pre-confirmation certificate. Prop Plan $250 x 60 begin 9/1/23; Base
Email Inquiry Matter Resolved Request Adjourment	150	10/4/2023 10:00 am	23-16864 / CMG	Robert C. Nisenson, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 1 of 2 required payments Arrears: $833.00 341 on 10/19 1/2
Email Inquiry Matter Resolved Request Adjourment	151	10/4/2023 10:00 am	23-16867 / CMG	SCOTT M WILHELM, ESQ	Confirmation Hearing Scheduled	Continued 11/1/2023 10:00 am	Debtor has made 1 of 2 required payments Arrears: $250.00 issues as of 9/26/2023 (jma) 1) Trustee objection to confirmation - need to resolve - The debtor has insufficient income Verified income leaves monthly disposable income of -$2,541.56. - The debtor has failed to supply the Trustee with the following document (s): Domestic Support Obligation information - The debtor(s) plan consists of unnecessary or excessive expense items, such as: $157/month for State of NJ; $500/month for alimony/support - Need proof of expenses 10 days prior to confirmation. - 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 $23,170 in non exempt equity in the residence. - There is $11,088 in non exempt equity in the vehicles. - The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution, and does not provide for equal monthly payments as required by 1325(a)(5)(iii)(l). - Need to file Pre-Confirmation Certification proposed plan $250x60 base plan paid in $250 last claim 4
Email Inquiry Matter Resolved Request Adjourment	152	10/4/2023 10:00 am	23-16876 / CMG	Jeffrey E. Jenkins, Esq.	Confirmation Hearing Scheduled	Dismissed - Hold Fees	Debtor has made 1 of 2 required payments Arrears: $384.00 AS OF 10/2/2023 (at): 1. 341 has not been held or rescheduled.( adj request DENIED 10/2 2. Payments: 1/2, arrears $384
Email Inquiry Matter Resolved Request Adjourment	153	10/4/2023 10:00 am	23-16926 / CMG	Marcia Phillips, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 2 of 2 required payments Arrears: $0 341 on 10/19 10/3/23(mk) Updated Home insurance provided. , Pension info uploaded and Deed As of 9/22/23 (DS): 341 not held 9/7/23, stilling missing docs STILL NEED; DR PENSION STMNT, CO DR ADD'L POI FROM ALL JUNE/JULY 2023, DR DEED FOR 2907, DR UPDATED HOME INSUR FOR 2907 1/2 payments
Email Inquiry Matter Resolved Request Adjourment	154	10/4/2023 10:00 am	23-17121 / CMG	Andy Winchell, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 0 of 2 required payments Arrears: $4,400.00 mk: adj request uploaded- proof of payment uploaded 341 is 10/26/23 No Payments
Email Inquiry Matter Resolved Request Adjourment	155	10/4/2023 10:00 am	23-17144 / CMG	Jonathan Goldsmith-Cohen, Esq.	Confirmation Hearing Scheduled	Continued 11/15/2023 10:00 am	Debtor has made 1 of 2 required payments Arrears: $575.00 issues as of 9/21/2023(jma) 1) Pignora Loan Servicing (Frenkel Lambert) objection to confirmation - need to resolve -estimated arrears $100,23 2) Trustee objection to confirmation - need to resolve - The debtor has insufficient income Verified income leaves monthly disposable income of $515.72. - 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 $27,452 in non exempt equity in the residence. (100% plan ) - Need to file Pre-Confirmation Certification. - Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. proposed plan $575x60 100% plan paid in $575 last claim 11
Request Adjourment		10/4/2023 11:00 am	23-13568 / CMG	Jeffrey E. Jenkins, Esq.	341 Meeting	Continued 10/5/2023 11:00 am
Email Inquiry Matter Resolved Request Adjourment	156	10/4/2023 12:00 pm	19-13780 / CMG	Marc C. Capone, Esq.	Motion Compensation	Granted	Total Paid In: $24,505.00 supp fees outside
Email Inquiry Matter Resolved Request Adjourment	157	10/4/2023 12:00 pm	19-15753 / CMG	Herbert B. Raymond, Esq.	Motion Compensation	Granted	Total Paid In: $21,438.00
Email Inquiry Matter Resolved Request Adjourment	158	10/4/2023 12:00 pm	21-15049 / CMG	Edward Hanratty, Esq.	Motion Compensation	Granted	Total Paid In: $46,718.00 fees 1,142.96 from 12/2022-6/5/23
Email Inquiry Matter Resolved Request Adjourment	159	10/4/2023 12:00 pm	23-10677 / CMG	PRO SE	Motion Reinstate Stay	Continued 12/6/2023 12:00 pm	mk: judge will reinstate the stay to 12/6/23 and adj motion to 12/6/23 and has asked creditor to clarifying the POC and supplement the claim- Judge wants to understand how much debtor owes the creditors- creditor has to provide info for Judge- CMG wants a breakdown of all monies claimed to be owed. so needs to supplement POC by 11/6/23. 10/3/23(mk) :email from G. Miller: that says: There will be no prosecution of the motion to re-impose the stay or the chapter 13 case in general. I took the time to explain to the Debtor that he had no standing to retain the home as a judgement for possession has already been entered. 9/27/23(mk) Debtor had retained G. Miller but then atty said could not help so returned his $ for retainer so debtor is still pro se 9/14/23(mk) mail from debtor- ill requesting adj. CT said adj PREMPTORY 10/4. Note. John Monari- no longer at Pincus firm contact Sheri Smith- mk emailed her about new date- JEROME BLANK FROM PINCUS NOW HANDLING THE FILE 9/7/23(mk) emailed debtor about plan payments and sent him a TR report. he appears to be sending to the lock box but since July has not paid the full 1629 so that is what we show arrears CT will reimpose Stay till MP Debtor says now will retain Georgette Miller to represent VA obj (Pincus) J Momari<> Debtor's MTN TO REINSTATE STAY
Email Inquiry Matter Resolved Request Adjourment	160	10/4/2023 12:00 pm	23-11592 / CMG	Marc C. Capone, Esq.	Motion Compensation	Granted	Total Paid In: $8,600.00
Email Inquiry Matter Resolved Request Adjourment	161	10/4/2023 12:00 pm	23-12963 / CMG	Justin M. Gillman, Esq.	Motion Compensation	Granted	Total Paid In: $2,500.00
Email Inquiry Matter Resolved Request Adjourment	162	10/4/2023 12:00 pm	23-14354 / CMG	Justin M. Gillman, Esq.	Motion Compensation	Granted	Total Paid In: $2,940.00
Email Inquiry Matter Resolved Request Adjourment	165	10/4/2023 3:00 pm	23-14785 / CMG	Joel R. Spivack, Esq.	AP Summons Issued	Judge to Reserve Decision	AP 23-1195 ABIGAIL CIMINI VS.RICHARD CRMINI Pre-Trial
	Proceeding #	Hearing Date	Case Number	Debtor Attorney	Hearing Type	Disposition	Trustee Notes

ALBERT RUSSO • STANDING CHAPTER 13 TRUSTEECALENDAR DISPOSITION LIST

ALBERT RUSSO • STANDING CHAPTER 13 TRUSTEE
CALENDAR DISPOSITION LIST