Judge Christine M. Gravelle
Hearing Date: 10/6/2021
Hearing Count: 133
Last Updated: 10-15-2021 07:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
110/6/2021 9:00 am12-13607 / CMGEdward Hanratty, Esq.Motion SanctionsContinued
11/3/2021 9:00 am

WILL NEED JUDGE


PRIOR COUNSEL, HANRATTY, MTN FOR SANCTIONS ON PNC BANK TO DISCHARGE LIEN
Matter ResolvedRequest
Adjourment
210/6/2021 9:00 am16-13293 / CMGSCOTT E KAPLAN ESQMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $36,030.00
9/28/21(mk): DEBTOR WILL SUBMIT A CORRECTED BALANCE TO THE TRUSTEE FOR 1,368(1231 TR COMP


Debtor obj<>WELLS FARGO /Ginia t(LOGS LEGAL GROUP)


Co was submitted on 9/14/21

Problem: 9/15 order doc #79 resolving MFR (10/6). However, the order is adding $1,231 to plan for creditor atty fees, but plan expired and debtor have not paid since 3/2021 when they completed the plan in mo 61

fee order for 800 was outside so that needs to be corrected as outside
IN mo 67 Plan has expired. The bal will be corrected to -0-
Matter ResolvedRequest
Adjourment
310/6/2021 9:00 am16-15004 / CMGLAURENCE R SHELLER, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Withdrawn
7/25 AMT: PIF/PENDING CLOSING<<<>>>


6/18 AMT: $4,335 EPAY MADE; PER AR, OK TO ADJ TO OCT FOR BALANCE<<<>>>

6/8 AMT: Debtor proposing lump sum and continued pymts to complete; will advise after making lump sum ($3,000 ish)<<>>

FAILED TO PAY PLAN BAL; FEASIBILITY DUE TO $14,000 POST PET ARREARS ADDED
Matter ResolvedRequest
Adjourment
410/6/2021 9:00 am16-26531 / CMGRobert Manchel, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $44,520.00
MTN TO WAIVE DEBTOR REQUIRMENT TO COMEPLETE FINC EDUCATION AND CERT IN SUPPORT

mk:waive for debtor Frank ,who passed away 1/11/21.
Matter ResolvedRequest
Adjourment
510/6/2021 9:00 am16-26531 / CMGRobert Manchel, Esq.Motion Motion (Generic) - Only use if no other event is applicableOrder to be SubmittedTotal Paid In: $44,520.00
10/5 amt: ORDER TO CHAMBERS/7 DAY<<<>>>


mk: NEEDS OTBS Under 7 days rule W/ TERMS PER NOTICE OF SETTLEMENT

AMT: NTC OF SETTLEMENT FILED- $25,000 TO TRUSTEE/OBJ DEADLINE 9/29/21<<<>>>


MTN TO DISBURSE PROCEEDS FROM LIFE INS

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


>>Mk: Atty to discuss w/ AR

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

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

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



Plan will be in mo 60 in August . plan balance -0-
Matter ResolvedRequest
Adjourment
610/6/2021 9:00 am16-31863 / CMGJOHN ZIMNIS, ESQMotion to Approve Loan ModificationMootTotal Paid In: $40,717.00
Trustee limited obj, no debtor cert<> MTN TO APPROVE LOAN MODIFICATION w/ Community Loan

THIS IS MOOT BECAUSE>>9/28/21(Mk);atty filed new motion for LM w/ a Debtor Cert which was granted Order entered 9/27/21<<
Matter ResolvedRequest
Adjourment
710/6/2021 9:00 am16-34303 / CMGEric ClaymanCreditor Certification of DefaultContinued
10/20/2021 9:00 am
Total Paid In: $27,444.00
Debtor obj<> MAIDEN WOODS CONDO (McGovern)


TR MOTION ON 10/20/21 Arrears 12,895
Matter ResolvedRequest
Adjourment
810/6/2021 9:00 am17-10621 / CMGSTEPHANIE SHRETER, ESQMotion to Approve Loan ModificationOrder Previously SubmittedTotal Paid In: $4,761.00
Trustee limited obj<> MTN TO APPROVE LOAN MODIFICATION


9/30/21>Revised order submitted
Matter ResolvedRequest
Adjourment
910/6/2021 9:00 am17-15172 / CMGEric ClaymanMotion Relief from Stay (Fee)Consent Order to be SubmittedTotal Paid In: $18,646.00
RESOLVE OR HOLD
9/28/21(mk): MOTION HAS BEEN ADJ. 5X

8/17/21(mk): creditor atty away- both parties agree to adj to 9/15/21

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



AR CAR NOTE ADJ TO 3-3 BY CMG
CONDO OWED 4 K DEBTOR ASSERTS PAID
SOME PROPOSES TERMS
Debtor obj<>THE COLONY AT MILL HILL CONDO (SCOTT KAPLAN)
Matter ResolvedRequest
Adjourment
1010/6/2021 9:00 am17-15982 / CMGEric ClaymanCreditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $43,517.00
Debtor obj<> CHAMPION MORTGAGE/Nassau Drive (MaCALLA RAYMER)

9/30/21(mk) Order submitted to chambers( Diane sent to me)

Matter ResolvedRequest
Adjourment
1110/6/2021 9:00 am17-17301 / CMGWilliam H. Oliver, Jr., Esq.Motion Reopen Ch. 13 Case (fee)Granted
MOTION TO REOPEN TO FILE CERT.IN SUPPORT OF DISCHARGE
Matter ResolvedRequest
Adjourment
1210/6/2021 9:00 am17-18160 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
10/20/2021 9:00 am
Total Paid In: $9,134.00
debtor obj>FAWN LAKES CONDO (CUTOLO BARROS)
Matter ResolvedRequest
Adjourment
1310/6/2021 9:00 am17-24478 / CMGSTEVEN J ABELSON, ESQMotion CompelContinued
11/3/2021 9:00 am
Total Paid In: $35,410.00
MTN TO ENFORCE STAY/WLMINGTON; DAMAGES & VACATE 7/8/21 NTC OF PYMT CHANGE

>>This will need Judge due to Damage claim .mk sent EMAIL to atty 9/29/21 ADJ to 11/3/21. Parties in negotiation
Matter ResolvedRequest
Adjourment
1410/6/2021 9:00 am18-21743 / CMGGilberto M. Garcia Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order Previously SubmittedTotal Paid In: $26,184.00
10/5/21(mk):correct form of Order sent to chambers email

Trustee limited obj, form of Ppsd order

9/24/21(mk) : proposed Order on docket at #108- SHOULD HAVE BEEN SENT TO CHAMBERS EMAIL

>>FYI: Ct docket shows 108 as blank but Order appears in our system at #108
Matter ResolvedRequest
Adjourment
1510/6/2021 9:00 am18-22312 / CMGEdward Hanratty, Esq.Trustee Certification of DefaultWithdrawn
AMT: PYMT POSTED/PIF - PENDING CLOSING AUDIT<<>>

Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment
1610/6/2021 9:00 am18-25881 / CMGWilliam H. Oliver, Jr., Esq.Motion CompensationWithdrawnTotal Paid In: $11,696.00
Trustee obj<> FEE APP
Matter ResolvedRequest
Adjourment
1710/6/2021 9:00 am18-26942 / CMGPaola D. Vera, Esq.Motion Relief from Co-Debtor StayOrder Previously SubmittedTotal Paid In: $32,762.00
Debtor obj<>(Says made payments totaling 10,000


WILMINGTON SAVINGS/Burns St (McCALLA RAYMER)

9/30/21: Order submitted
Matter ResolvedRequest
Adjourment
1810/6/2021 9:00 am18-28200 / CMGJOHN ZIMNIS, ESQMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $10,230.00
Debtor obj<>ROCKET MTG/QUICKEN LOANS (STERN & EISENBERG)

1/4/21: OTBS:Debtor cure the delinquency; Debtor to pay the fees and costs of the Motion outside the Plan directly to the Creditor within 30 days; 30 day default clause

Matter ResolvedRequest
Adjourment
1910/6/2021 9:00 am18-28550 / CMGJOHN ZIMNIS, ESQTrustee Certification of DefaultTrustee OrderTotal Paid In: $10,923.00
Debtor obj, will pay<> ARREARS 1,898 as of 10/1/21. THIS IS ALSO THE BALANCE TO COMPLETE THE PLAN. Plan was confirmed at 16 mos. it has expired.

payment for 500 posted 10/1/21

Plan was confirmed at 36 mos. it has expired.

TR ORDER: PTD $10,922.80, Then 500 x 4, Begin 11/1/21; Plan extended to total 41 mos
Matter ResolvedRequest
Adjourment
2110/6/2021 9:00 am18-30451 / CMGRonald I. LeVine, Esq.Motion Avoid LienContinued
11/3/2021 9:00 am
Total Paid In: $19,707.00
MTN TO AVOID LIEN/DMV (DJ-167191-2017; DJ-181925-2017; DJ-081502)

TR objection
Matter ResolvedRequest
Adjourment
2010/6/2021 9:00 am18-30451 / CMGRonald I. LeVine, Esq.Motion to Cancel Discharge MortgageContinued
11/3/2021 9:00 am
Total Paid In: $19,707.00
MTN TO AVOID LIEN/NJ HOUSING & MTG FINANCE


TR Obj: Motion is premature. Order to Cancel/Disghareg 2nd Mtg. Plan has 50 mos left. This motion is to be made at end of plan.
Matter ResolvedRequest
Adjourment
2210/6/2021 9:00 am19-11349 / CMGSTEPHANIE RITIGSTEINMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/17/2021 9:00 am
Total Paid In: $16,148.00
>>debtor opp'n FAILED TO COMPLETE REFI BY 6/15/21

debtor says tried to refi but was unsuccessful. Filing a MP Covid extend to pay Mtg co.
Matter ResolvedRequest
Adjourment
2310/6/2021 9:00 am19-11495 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)DismissedTotal Paid In: $28,145.00
SV/FREEDOM MTG

MK: suppl. Atty disclosure filed Atty pd. 500 for prep of new ch 13- SO IT APPEARS THIS CASE WILL BE DISMISSED
Matter ResolvedRequest
Adjourment
2410/6/2021 9:00 am19-12450 / CMGJOHN ZIMNIS, ESQCreditor Certification of DefaultContinued
10/20/2021 9:00 am
Total Paid In: $26,076.00
Debtor obj<> CENLAR/Borden Way (Stern & L)
Matter ResolvedRequest
Adjourment
2510/6/2021 9:00 am19-13402 / CMGDAVID N. NIGRO, ESQUIREMotion Motion (Generic) - Only use if no other event is applicableWithdrawnTotal Paid In: $36,160.00
10/5/219mk): per atty mark it W/D

TR objection; The Money Source limited response (Stewart Legal)<>MTN TO APPV POST-PET FINC WITH ACCELERATE MTG (JENKINS & CLAYMAN)

Matter ResolvedRequest
Adjourment
010/6/2021 9:00 am19-16487 / CMGEUGENE ROTH, ESQMotion Motion (Generic) - Only use if no other event is applicableWithdrawnTotal Paid In: $35,628.00
Matter ResolvedRequest
Adjourment
2610/6/2021 9:00 am19-16487 / CMGEUGENE ROTH, ESQMotion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $35,628.00
MTN FOR LOSS MIT

MP on 10/6/21:ISSUES
Matter ResolvedRequest
Adjourment
2710/6/2021 9:00 am19-16691 / CMGBRIAN L HOFFMAN, ESQMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $44,054.00
BOA Huntington Dr. (MILSTEAD)

OTBS: Six month cure outside plan.

Matter ResolvedRequest
Adjourment
2810/6/2021 9:00 am19-17960 / CMGSTEPHANIE RITIGSTEINCreditor Certification of DefaultWithdrawnTotal Paid In: $18,836.00
Debtor obj<> CARRINGTON MTG/Hempstead Rd (Hill Wallack)
Matter ResolvedRequest
Adjourment
2910/6/2021 9:00 am19-22958 / CMGJohn O'Boyle Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $24,649.00
debtro opp'n.>MIDFIRST BANK / Baywood Blvd.(KML)

9/30/21: Status Change Motion was w/d
Matter ResolvedRequest
Adjourment
3010/6/2021 9:00 am19-22958 / CMGJohn O'Boyle Motion to Approve Loan ModificationContinued
10/20/2021 9:00 am
Total Paid In: $24,649.00
Trustee obj<> MTN TO APPROVE LM

>>MK: needs correct mandatory form of LM Order

10/4/21(mk): debtro adj request to "finalize LM agreement( FYI: the agreement attached to cert is signed by debtors) and notarized as of 8/16/21

MFR adj. to 10/6/21- was w/d
Matter ResolvedRequest
Adjourment
3110/6/2021 9:00 am19-23947 / CMGLEE M PERLMAN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/3/2021 9:00 am
Total Paid In: $27,231.00
>>>Put Adj date on record

>>debtor opp'n-ARREARS(9,645 as of 10/1/21)/180 DAY BAR

last pay 5/14/21 OPP'N says arrears will be pd prior to hearing

10/5/21: debtro sent in some $
Matter ResolvedRequest
Adjourment
3210/6/2021 9:00 am19-25541 / CMGJOAN S. WARREN, ESQ.Motion Relief from Stay (Fee)Continued
11/17/2021 9:00 am
Total Paid In: $36,702.00
Debtor obj<>COMMUNITY LOAN / Rt. 46, Buttzville, (FEIN, SUCH)
Matter ResolvedRequest
Adjourment
3310/6/2021 9:00 am19-26945 / CMGAndrew Thomas Archer Motion Approval to Participate in the Court's Loss Mitigation ProgramWithdrawnTotal Paid In: $7,600.00
MTN LOSS MIT

MP on 10/6/21 REC DENIAL


9/29/21(mk): Status Change- WITHDRAWN
Matter ResolvedRequest
Adjourment
3410/6/2021 9:00 am19-28428 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Continued
10/20/2021 9:00 am
Total Paid In: $10,470.00
10/5/21(mk): both parties agree needs 2 week adj.

Debtor obj<>TALL OAKS AT MONROE MANOR CONDO/MORNING GLORY DRIVE (MEZZACCA & KWASNIK)
Matter ResolvedRequest
Adjourment
3510/6/2021 9:00 am19-29950 / CMGWilliam H. Oliver, Jr., Esq.Motion CompelGrantedTotal Paid In: $6,390.00
MTN TO COMPEL ALLSTATE TO PAY SANTANDER AND ANY REMAINING PROCEEDS TO DEBTOR (AUTO ACCIDENT)


TR OBJ.mk>> does debtor have a PI claim as a result of auto accident?

10/5/21:Per atty - no injries were suffered and will not be pursing any claims vs anyone.
Matter ResolvedRequest
Adjourment
3610/6/2021 9:00 am19-30290 / CMGJONATHAN GOLDSMITH-COHEN, ESQMotion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $24,250.00
Debtor obj<>LAKEVIEW LOAN / Livingston La (POWERS)
Matter ResolvedRequest
Adjourment
3710/6/2021 9:00 am19-30858 / CMGWarren Brumel, Esq.Creditor Certification of DefaultContinued
11/3/2021 9:00 am
Total Paid In: $14,770.00
Debtor obj<> M&T BANK/Rothbard Rd (Schiller Knapp)
Matter ResolvedRequest
Adjourment
3810/6/2021 9:00 am19-31013 / CMGSTEPHANIE RITIGSTEINTrustee Certification of DefaultWithdrawnTotal Paid In: $5,688.00
AMT: PYMT POSTED/PLAN PAYING OUT AT 100% FOR LESS THAN BASE BAL<<>>

9/28/21:No Arrears

Debtor obj<> ARREARS 1,393.43 as of 8/11/21.last pay 4/20/21

Debtor waiting for unemployment
Matter ResolvedRequest
Adjourment
3910/6/2021 9:00 am19-31624 / CMGGary D. HoffmanMotion Vacate (DO NOT USE TO VACATE DISMISSAL OF CASE)Order to be SubmittedTotal Paid In: $5,365.00
Creditor to submit a revised order and deal w/ claim


CARRINGTON MTN TO VACATE LM ORDER, DOC #63(RAS)


>>mk: if motion is granted the POC (#13-1 for arrears $65,946.30 needs to be set up Or Revised Order on Motion needed to clarify
Matter ResolvedRequest
Adjourment
4010/6/2021 9:00 am20-10344 / CMGGeorge E Veitengruber IIIMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $16,594.00
WILMINGTON SAVINGS (HILL WALLACK)
Matter ResolvedRequest
Adjourment
4110/6/2021 9:00 am20-11160 / CMGJames J. Cerbone, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToGrantedTotal Paid In: $38,226.00
MTN TO RECLASSIY LVNV (#6-1)FROM SECURED TO UNSECURED

MK: remaining balance of claim 6-1 as of 8/23/21 $3,753.25
cert of service shows served creditor per notice on POC
Matter ResolvedRequest
Adjourment
4210/6/2021 9:00 am20-11780 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/17/2021 9:00 am
Total Paid In: $5,700.00
adj to 11/17/21 NFA

10/1/21(mk): per atty, File MP , amended i & J under Coivd to pay NJ late claim as IRS secured/priority. waiting for POI and clients to review


As of 9/29/21(mk):SAME ISSUE RE:NEEDS TO ADDRESS NJ DIV OF TAX LATE POC #13-1which affects plan feasibility.AS of this date, no MP has been filed.

8/16/21(mk):atty to file a MP

7/28/21:Order for Sale entered. BUT STILL NEEDS TO ADDRESS NJ DIV OF TAX LATE POC #13-1which affects plan feasibility.

7/16/21(mk); Sale Motion on 7/7/21 was OTBS. Atty has sent Order to bank for approval. once have Order are ready to close and should close before end of July.


7/5/28/21(mk): atty still working w/ bank- may be able to resolve Sale Motion- will let me know by Tuesday.

5/26/21(mk): emailed atty for update on Sale Motion.

5/3/21:MK: bank needs 2 more weeks- Motion to Sell short sale adj to 5/19- TR motion to 6/2/21

4/26/21:Motion to Sell on 5/5/21

3/12/21: NEED STATUS OF RE SALE. Atty Reply:working on filing the Motion to Sell. Just got approval from IRS to agree to allow sale free and clear of federal tax lien. We submitted adjournment request to give us more time to resolve the other liens and clean up the NJ APOC issue. Was waiting to file a Modified Plan until after the sale was complete so we can address what is left over after sale as some liens may receive partial payment.

3/4/21: Appl. for appt. realtor was filed.

1/15/21: adj request uploaded. Has K for sale of RE - needs to file motion. debtor current

1/14/21(mk: NJ filed APOC #13-2(secured $18,862.56). Original claim was late filed and NO MP filed yet

12/17/20(mkL) Atty email- will be filing Opp'n. debtor has RE listed & offers pending. NJ in process of amending POC. Will upload adj request for 30 days.

Debtor obj, filing MP<>FILED TO COMPLETE SALE OF LAKESIDE DRIVE & DEBTOR NEEDS TO ADDRERSS NJ DIV. OF TAX'S LATE FILED CLIAM #13-1 WHICH MAY AFFECT FEASIBILITY.
Matter ResolvedRequest
Adjourment
4310/6/2021 9:00 am20-11797 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
10/20/2021 9:00 am
Total Paid In: $18,863.00
debtor obj>CARRINGTON MTG /Lighthouse Dive (LOGS)
Matter ResolvedRequest
Adjourment
4410/6/2021 9:00 am20-12209 / CMGKevin Fayette, EsqMotion Relief from Stay (Fee)WithdrawnTotal Paid In: $16,625.00
mk: STATUS CHANGE- MOTIN WAS W/D

Debtor obj<>BANK OF AMERICA/Red Oak Dr (FRENKEL LAMBERT WEISS)

8/11/21: Atty email says debtor LM package "Under Review" and should have answer by 8/27/21. Waiting to here back from creditor to resolve or adj to after 8/27/21.
Matter ResolvedRequest
Adjourment
4510/6/2021 9:00 am20-12974 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $6,051.00
Debtor obj<>ALLY CAPITAL (MESTER & SCHWARTZ)


9/24/21(mk); order submitted to chambers today.
Matter ResolvedRequest
Adjourment
4610/6/2021 9:00 am20-13186 / CMGJoseph Casello, Esq.Motion Relief from Stay (Fee)Consent Order to be SubmittedTotal Paid In: $4,800.00
SANTANDER CONSUMER / 2014 Hyundai Elantra (MORTON)
Matter ResolvedRequest
Adjourment
4710/6/2021 9:00 am20-14235 / CMGSTEPHANIE RITIGSTEINMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/17/2021 9:00 am
Total Paid In: $10,576.00
10/5/21(Mk) :atty says LM package complete , waiting for confirmation nothing else needs and then review.

9/29/21(mk): NEED STATUS OF LM


8/13/21(mk): status of LM .debtor completed LM trial payments.Mtg co stalling on giving them a permanent Lm b/c there are other liens on propr
adj to 10/6/21 PEREMPTORY.

4/6/21(mk): atty had proof of debtor in Trial LM- for 5/2021- 7/2021 at trial payments of $2,448.83


Debtor obj<>FAILED TO COMPLETE LM BY 12/31/20 OR 2/10/21 AS EXTENDED BY CONS ORDER RESOLVING OBJ TO CONF

mk: debtor obj says bank confirmed LM package complete 3/2/21. bank needs 30 days to review. will have update before this hearing date.
Matter ResolvedRequest
Adjourment
4810/6/2021 9:00 am20-14523 / CMGBARRY J ROYMotion Relief from Stay (Fee)Continued
10/20/2021 9:00 am
Total Paid In: $68,044.00
9/28/21:Creditor adj request to 10/20/21 to be current post petition.


Debtor obj<>AJAX MTG LOAN/Hunting Lane (PLUSE BECKER)

Matter ResolvedRequest
Adjourment
4910/6/2021 9:00 am20-16946 / CMGRobert Manchel, Esq.Creditor Certification of DefaultContinued
11/3/2021 9:00 am
Total Paid In: $9,138.00
Debtor obj<> PNC/Butterworths Bogs road (Fein Such)
Matter ResolvedRequest
Adjourment
5010/6/2021 9:00 am20-19309 / CMGPETER E ZIMNIS, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $3,100.00
AMT: MP 10/6 ** HR*<<<>>>

Debtor obj<>SV/FNA & CITY OF TRENTON; ARREARS.

-plan cannot be completed due to an order entered on 07/08/2021 granting stay relief to FNA DZ, -LLC., court claim #1-1.

-Stay Relief for The City of Trenton Tax Collector dated 06/04/2021.
Matter ResolvedRequest
Adjourment
5110/6/2021 9:00 am20-20734 / CMGJOHN ZIMNIS, ESQMotion Avoid LienGrantedTotal Paid In: $4,948.00
MTN TO AVOID LIEN/NEW CENTURY FINANCIAL (DC-5659-08/VJ-6268-08/DJ 230286-08)
Matter ResolvedRequest
Adjourment
5210/6/2021 9:00 am20-20734 / CMGJOHN ZIMNIS, ESQMotion Avoid LienGrantedTotal Paid In: $4,948.00
MTN TO AVOID LIEN/NEW CENTURY (DC-9500-09/VJ 8652-09/ DJ 49408-12)
Matter ResolvedRequest
Adjourment
5310/6/2021 9:00 am20-20977 / CMGSTACEY L MULLEN, ESQTrustee Certification of DefaultContinued
11/3/2021 9:00 am
Total Paid In: $8,310.00
9/29/21(mk) Debtor sent another 860 today and will send another payment in Oct.. Adj for posting and a recap

debtor obj. ARREARS as of 9/29/21 $2,646( this includes the $860 posted on 9/14/21 and another 860 posted on 9/22/21)

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

MK: emailed atty back need payments to post and if can bring current by end of mo. we should adj. 10/6 and see what has posted.
Matter ResolvedRequest
Adjourment
5410/6/2021 9:00 am20-21698 / CMGAndrew Thomas Archer Trustee Certification of DefaultContinued
11/17/2021 9:00 am
Total Paid In: $3,250.00
Debtor obj, filing MP<> ARREARS are 4,500 as of 9/28/21.Last pay 4/5/21

10/4/21(mk): email form atty - Debtor has a wage order and $ taken out but we have notes that epay has Bad Act # and payments reversed. atty to contact KB and straighten out . He has 2 payments form client and will mail those in
Matter ResolvedRequest
Adjourment
5510/6/2021 9:00 am20-23188 / CMGWilliam H. Oliver, Jr., Esq.Motion Motion (Generic) - Only use if no other event is applicableOrder to be SubmittedTotal Paid In: $7,920.00
9/29/21(mk): atty agrees to Tr order for recp- MK PREPARE

MTN TO SUSPEND TRUSTEE PAYMENTS

MK: just needs TR order for recap at 7,553 PTD then 1,127 x 42 begin Oct. OR IF debtor makes a Sept payment then it can continue at reg payment od 1,100
either way do TR order for recap. before hearing date once you see if a sept payment was made.
Matter ResolvedRequest
Adjourment
5610/6/2021 9:00 am20-23648 / CMGEric ClaymanCreditor Certification of DefaultOrder Previously SubmittedTotal Paid In: $2,306.00
Debtor obj<> AMERICAN HONDA/2019 Accord (Schiller Knapp)

10/5/21(mk): Order submitted to chambers today.
Matter ResolvedRequest
Adjourment
5710/6/2021 9:00 am20-24088 / CMGKevin Fayette, EsqTrustee Certification of DefaultContinued
10/20/2021 9:00 am
Total Paid In: $2,000.00
Debtor obj, can pay $600 & requests recap<> ARREARS

9/29/21(mk): eamil to atty - have funds been sent?
Matter ResolvedRequest
Adjourment
5810/6/2021 9:00 am21-11502 / CMGYAKOV RUDIKHMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $11,440.00
SELECT PORTFOLIO (FEIN, SUCH)

MK: status change filed - Settled & order submitted today
Matter ResolvedRequest
Adjourment
5910/6/2021 9:00 am21-12356 / CMGJOSEPH J MANIA III ESQMotion Relief from Stay (Fee)Continued
11/3/2021 9:00 am
Total Paid In: $7,206.00
10/1/21: creditor uploaded adj. parties attempting resolution

COMMUNITY LOAN / Meadow Lane (SCHILLER, KNAPP)

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

CONF ON 7/7/21: it was confirmed

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

MK;NEED REQUEST TO ADJ MOTION

also conf on 7/7/21:Issues
Matter ResolvedRequest
Adjourment
6010/6/2021 9:00 am21-13146 / CMGSTEPHANIE RITIGSTEINMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToGranted
MTN TO EXPUNGE CLM NEW JERSEY DIV OF TAXATION

10/6/21(mk) no appearance by DAG. the Order expunges the prior POC
which was docketed on 5/11/21 > > There was an APOC docketed on .8/31/21. ATTY FILING MP to CRAM secured taxes so DAG will have another opportunity to object.

>>APOC (3-2)Filed 8/31/21.after the filing of this motion. Still has secured for 9,581.08, Priority for $3,242.39 and GUC for $6,380.11.(only the priority amt was reduced in the APOC.



Conf on for 10/20/21.
Matter ResolvedRequest
Adjourment
6110/6/2021 9:00 am21-14026 / CMGDaniel Straffi, Esq.Motion Relief from Stay (Fee)Continued
10/20/2021 9:00 am

debtor obj.>SANTANDER / 2019 Ram (MORTON)
Matter ResolvedRequest
Adjourment
6210/6/2021 9:00 am21-14027 / CMGDaniel Straffi, Esq.Motion SellWithdrawn
Ajax mtg obj (Pluese Becker)<>STATION RD

TR Objection.

>>DEBTOR'S MOTION TO DISMISS CASE ON FOR 10/20/21
Matter ResolvedRequest
Adjourment
6310/6/2021 9:00 am21-14027 / CMGDaniel Straffi, Esq.Motion Relief from Co-Debtor StayGranted
>>DEBTOR'S MOTION TO DISMISS CASE ON FOR 10/20/21


9/15/21:mk: Per Creditor-NEEDS JUDGE. HOLD FOR NOON

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


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

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

conf on 10/20/21
Matter ResolvedRequest
Adjourment
6410/6/2021 9:00 am21-14231 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Granted
THE MONEY SOURCE / Wakefield Rd (STEWART LEGAL)
Matter ResolvedRequest
Adjourment
6510/6/2021 9:00 am21-14290 / CMGWilliam H. Oliver, Jr., Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGrantedTotal Paid In: $1,544.00
MOTION TO APPLY FOR LOSS MIT. THRU PORTAL.


mk: needs a MP and amended I & J. home was surrendered in7/23/21 conf order, now debtor & spouse reconciled & he is contrb. income to save home.
Matter ResolvedRequest
Adjourment
6610/6/2021 9:00 am21-14394 / CMGJONATHAN GOLDSMITH-COHEN, ESQMotion Relief from Stay (Fee)Granted
RUSSEL KRICHMAN (BARRETT & PAVLUK)
Matter ResolvedRequest
Adjourment
6710/6/2021 9:00 am21-15420 / CMGWilliam H. Oliver, Jr., Esq.Motion Relief from Stay (Fee)Continued
11/3/2021 9:00 am

debtor obj.>>REVERSE MTG / Willow Ave(ROBERTSON, ANSCHUTZ)

CONF HEARING ON 10/6/21 ISSUES NEED RESOLUTION
Matter ResolvedRequest
Adjourment
6810/6/2021 9:00 am21-16796 / CMGCANDYCE I SMITH-SKLAR, ESQRequest for Loss MitigationContinued
10/12/2021 10:00 am

ADJ to 10/12/ at 10:00am

Bank of NY obj (RAS<>REQUEST FOR LOSS MIT

>>debtor response(#23) to Creditor obj to request for Loss Mit.
Matter ResolvedRequest
Adjourment
6910/6/2021 9:00 am21-16957 / CMGCANDYCE I SMITH-SKLAR, ESQREQUEST FOR LOSS MITIGATIONContinued
10/12/2021 11:00 am

NEED TO ADJ TO 10/12 AT 10AM

REQUEST FOR LOSS MT.

>>creditor , Select Portfolio(Fein Such)OBJECTION :Debtors' loan is not eligible for any modification/retention options at this time as the
loan is set to mature on 08/27/2022. Therefore,
investor modification qualifications do not allow for
the loan to be modified.
Matter ResolvedRequest
Adjourment
7010/6/2021 9:00 am21-17055 / CMGSTEVEN J ABELSON, ESQOrder Shorten TimeGranted
>> OST<<

MTN TO CONTINUE STAY
Matter ResolvedRequest
Adjourment
7110/6/2021 9:00 am21-17129 / CMGPAUL H YOUNGOrder Shorten TimeGranted
>>OST<<

MTN TO EXTEND STAY
Matter ResolvedRequest
Adjourment
7210/6/2021 9:00 am21-17129 / CMGPAUL H YOUNGOrder Shorten TimeGranted
>>OST>>


MTN TO SET ASIDE SHERIFF SALE
Matter ResolvedRequest
Adjourment
7310/6/2021 9:00 am21-17155 / CMGJames J. Cerbone, Esq.Motion Impose Automatic StayGranted
MTN TO IMPOSE STAY
Matter ResolvedRequest
Adjourment
7410/6/2021 10:00 am17-25899 / CMGLAURENCE R SHELLER, ESQConfirmation Hearing on Modified PlanContinued
10/20/2021 10:00 am
Debtor has made 44 of 50 required payments   Arrears: $3,914.00  Total Paid In: $49,150.00
NFA -att to move against Prestige claim by 10/20 EDC

9/23 workup for the 10/6 calendar

trustee obj:

-Prestige Financial filed objection to MP that surrenders the Jeep in full satisfaction. Prestige claims they are entitled to the deficiency guc claim of $6325

-needs to stay 100% due to equity

-trustee motion to dismiss- 3 months arrears

-no income debtor lost job but no unemployment yet, no amended I & J

-not feasible-would need $1382 going forward
Matter ResolvedRequest
Adjourment
7510/6/2021 10:00 am18-14351 / CMGAmy L Knapp Confirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 72 of 43 required payments   Arrears: $0  
Total Paid In: $46,226.00
issues as of 9/28/2021 (JMA) - PER AR ADJ TO DATE IN NOV TO RESOLVE ISSUES BELOW AND TO RECEIVE FUNDS.SF

1) It is noted in the case PHH Mortgage has returned multiple checks stating transfer of service - need to find out who is servicing the loan and providing documentation to Trustee to ensure payments are made to the proper servicer. What address are the adequate protection payments being made to and are they being cashed?

AR SENT EMAIL TO ANGELA PATTISON REQUESTING TRANSFER OF CLAIM FOR NEW REZ

2) Part 9 of the modified plan states debtor has received an inheritance and will pay case in full on 9/1/2021 - to date, not received - PER EMAIL FROM ATTY, FUNDS WILL BE SENT IN
Matter ResolvedRequest
Adjourment
7610/6/2021 10:00 am18-22906 / CMGSTEVEN J ABELSON, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 65 of 40 required payments   Arrears: $0  
Total Paid In: $11,454.00
9/24 workup for the 10/6 calendar EDC

CONF AT: $11100 PTD; $177 X 46 BEG 9/2021; BASE--fee app in 10 days


-lost job and treated for cancer
-filed amended I & J
-81 months

$11100 PTD; $177 X 46 BEG 9/2021; BASE--fee app in 10 days
Matter ResolvedRequest
Adjourment
7710/6/2021 10:00 am18-30188 / CMGTRAVIS J RICHARDS ESQConfirmation Hearing on Modified PlanContinued
10/20/2021 10:00 am
Debtor has made 34 of 36 required payments   Arrears: $0  
Total Paid In: $37,405.00
10/6/21(mk): Order submitted resolving obj in #1. pays pre pet claim & PP per order-atty needs to address #2 Tr objection

AS OF 9/22/21 (SF)


1. Objection filed by Wells Fargo (Powers) - failure to pay pre-petition arrears of $29,629.27 and $5866.51 post petition arrears for a total of ($35,495.78) thru the plan. Also, the plan provides for reduced continuing payment outside of plan in the amount of $1243.08 but the corrected amount should be $1298.09 (RESOLVED VIA ORDER)

2. Trustee objection: Plan proposes to reduce payment from $1092 to $740. Schedules I and J were not amended and no updated proof of income provided. In addition, previous plan was confirmed at 100% and current plan proposes a base.

MP proposes $34,705 PTD, $740 X 8 Base
Plan has run 35 months and proposes to extend to 42 months

Matter ResolvedRequest
Adjourment
7810/6/2021 10:00 am19-14618 / CMGE. Carlton KromerConfirmation Hearing on Modified PlanContinued
11/3/2021 10:00 am
Debtor has made 30 of 31 required payments   Arrears: $328.00  Total Paid In: $10,736.00
As of 10/4/21 Debtor attorney requested adjournment to allow time to resolve all issues. Spouse to deliver baby.

As of 9/29/21 (DS): 1. Trustee obj to the following:
- Need Certification of Debtors in support of Covid-19 Chapter 13 Plan Modification.
- Must file amended Schedule I & J. - AMENDED I & J MUST BE FILED AS RESPONSE, MUST BE REFILED AS AMENDED SCHED I & J.
- Must provide 2 months proof of income and 2020 tax returns.

MP Prop $385.79 x 75 begin 9/1/21; Base
- Extends plan to 75 months due to Covid-19.
- Provides for payment to pay mortgage arrears that were suppose to be paid outside of the plan post-petition and mortgage attorney fees.
- Pays additional Debtor attorney fees.
Matter ResolvedRequest
Adjourment
7910/6/2021 10:00 am19-16487 / CMGEUGENE ROTH, ESQConfirmation Hearing on Modified PlanContinued
11/3/2021 10:00 am
Debtor has made 19 of 31 required payments   Arrears: $10,235.00  Total Paid In: $35,628.00
10/6/21: trial LM accepted yesterday 1st payment due 11/1/21. Adj to see if parties can work out an Order to resolve #1


ISSUES AS OF 9/23/2021 (DM):

1) Community Loan Servicing (SCHILLER) OBJs - plan fails to address arrears in the event the proposed Loan Mod is not successful (UNRESOLVED).

2) MP proposes $7,112.16 cure on 2016 Ford Escape - case was previously confirmed to cure $7,629.11 arrears (PAY PER CONFIRMED PLAN??)


Confirm Case: $6,548 Ptd, $1,415 x 55, 100% Plan
Prop. MP: Ptd, $1,063 x 31 start 9/1/21, 100% Plan
PTD = $35,128
Last Claim (10-2) dated 11/11/19
Matter ResolvedRequest
Adjourment
8010/6/2021 10:00 am19-25924 / CMGJames J. Cerbone, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 23 of 26 required payments   Arrears: $7.00  Total Paid In: $6,079.00
ISSUES AS OF 9/23/2021 (DM): - Atty ok with terms.sf

***If extending plan to 48 months, THEN TRUSTEE CAN RECOMMEND CONFIRMATION AT $5,818 PTD, THEN $267 x 23 STARTING 10/1/21, 100% PLAN***


Confirm Case: $1,755 Ptd, $208 x 27, 100% Plan
Prop. MP: Ptd, $267 x 24 start ???, 100% Plan
PTD = $5,818
Last Claim (6-2) dated 4/26/21
Matter ResolvedRequest
Adjourment
8110/6/2021 10:00 am19-26945 / CMGAndrew Thomas Archer Confirmation Hearing on Modified PlanDismissed - Hold FeesDebtor has made 14 of 25 required payments   Arrears: $0  
Total Paid In: $7,600.00
mk: NO ATTY FEES ARE OWED

9/24 workup for the 10/6 calendar EDC

Trustee objection-MP wants to start loan mod process 2 years into case and is proposing to cramdown a lien that was not in the original plan (this needs to be done via motion at this point)
-need updated POI and taxes for 2020

$300 X 37 BEG 9/2021; (LM 6 MO AFTER FILING); BASE-trustee to receive all non-exempt lawsuit proceeds--LM by 3/1/21 do not pay arrears to Bank of NY pending loan mod

DEBTOR IS SEEKING LM
MTN TO AVIOD JUDGEMENT LIEN LVNV FUNDING
ADDING PRO RATA DISTRIBUTION TO UNSECURED CRED

Matter ResolvedRequest
Adjourment
8210/6/2021 10:00 am20-10066 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
12/1/2021 10:00 am
Debtor has made 20 of 21 required payments   Arrears: $341.00  Total Paid In: $15,414.00
>>Recommend adj to 12/1/21 at 10:00 AM


9/7/21: in ADV.PRO. Dist Ct Opinion issued Reversing and vacating Bkcy Ct. Orders compelling parties to arbitration and denying reconsideration and Remands back to Bcky Ct for further proceedings.


8/17/21 (sf) - Note from attorney: Dispo indicates that the plan payment needs to increase to reserve funds for Advanced Funding, however, these funds are already being reserved, currently in Dean Maglione's trust account pending further order of the Court. So reserving any additional funds from the Debtor is unnecessary. (Need proof)


8/5/ workup for the 8/18 calendar EDC

Per letter the $361,097 lost wages appeal was affirmed in favor of debtor on March 8th--262k lost wages, 87k att fees and 11212 post judgement interest. subtracting attorney reimbursement of 102k the debtor entitled to $168,615.54. Per attorney debtor owes $113k to Advance still.
-Advance has claim for however--plan to reserve pending resolution


**Problem with the proposed plan is that it is not feasible until we know the Advance Funding ruling. If we are reserving funds for Advance it will need $1955 x 67 remaining which isn't feasible.
-COVID Cert filed
-amended I & J filed and income

proposed: paid to date then 905 x 70 beg 5/1/21 pro rata (84 months)--trustee to reserve funds for Advance Funding pending the resolution of the adversary

Matter ResolvedRequest
Adjourment
8310/6/2021 10:00 am20-15080 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanContinued
11/3/2021 10:00 am
Debtor has made 19 of 19 required payments   Arrears: $0  
Total Paid In: $3,029.00
As of 9/27/21 (DS): 1. Plan was filed 7/23/21 with Trustee payments to be $567 begin 8/1/21, but Debtor has been paying $161 instead.

2. BELOW ISSUES NOT RESOLVED.

9/1/21 (DS): 1. Trustee obj to the following:
-AMENDED SCHED I & J FILED AND SCHED J HAS EXCESSIVE EXPENSES AND SOME NOT PREVIOUSLY LISTED: FOOD $645 AND WORK LUNCH $260 TOTAL $905, CLOTHING $250, CIGARETTE/VAPE (NOT PREVIOUSY LISTED $310.
- ALSO INCOME VERIFIES HIGHER $1,239.06, DUE TO EXCESSIVE EXPENSES.
- Plan includes IRS 2020 taxes, amended claim filed, but Section 8d of the Plan does not mark off that Trustee is authorized to pay post-petition claims.

MP Prop $567 x 21 begin 7/1/21; Dollar Base $2,419.95 - Adding post-petition mortgage arrears and extending length of plan from 36 to 50 months.
Note: Debtor provided updated POI and 2020 tax returns.
Matter ResolvedRequest
Adjourment
8410/6/2021 10:00 am20-16754 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 12 of 17 required payments   Arrears: $3,913.00  Total Paid In: $21,426.00
MK: PLAN IS W/D and MP w/in 14 days fixing T/H at 33,287(IRS priority claim deducted form equity calculation

AS OF 10/4/2021 (at):

RECOMMEND: $21,426.08 PAID TO DATE, $1,137 x 69 beginning 11/1/2021, BASE WITH A MINIMUM OF $52,120.84 TO GUC'S DUE TO NON EXEMPT EQUITY
Need 2020 tax return by 11/15/2021.
Student loans will be paid outside of the plan.
Claim #4 filed by the IRS will be paid through the plan.
Claim #2 filed by Santander will be paid through the plan.

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

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

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

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

Covid Cert received.

MP proposes: $774 x 72 beginning 8/1/2021, not less than $53,120.84 to guc's
Arrears: $2,840
(Reducing amount of plan payment due to reduced income)
Matter ResolvedRequest
Adjourment
8510/6/2021 10:00 am20-17033 / CMGBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledContinued
11/17/2021 10:00 am
Debtor has made 12 of 17 required payments   Arrears: $2,511.00  Total Paid In: $9,218.00
9/27 workup for the 10/6 calendar EDC

-Trustee filed suppl objection to MP for conduit payments (9/24)-previous motion for relief back in April resolved and now a new creditor cert of default because didn't make 4 mortgage payments. Also 3 payments in arrears to the trustee

-needs TFS or ewage
--covid cert filed

**trustee objection--still need to file amended schedules I & J, updated POI


$8748 PTD; $100 X 12; $908 X 46 BEG 8/2021; BASE
Matter ResolvedRequest
Adjourment
8610/6/2021 10:00 am20-18572 / CMGJOHN ZIMNIS, ESQConfirmation Hearing ScheduledWithdrawnDebtor has made 62 of 15 required payments   Arrears: $1,650.00  Total Paid In: $33,966.00
Zimnis to withdraw

9/27 workup for the 10/6 calendar EDC

-sent email to Zimnis re: status of sale, HUD etc. for confirmation---Per Zimnis there is a title issue holding up closing and debtors rental application has not been approved(nowhere to move)


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

Matter ResolvedRequest
Adjourment
8710/6/2021 10:00 am20-18737 / CMGRobert Manchel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 14 of 15 required payments   Arrears: $0  
Total Paid In: $4,505.00
AS OF 9/27/2021 (at):

RECOMMEND: $4,505 PAID TO DATE, $295 x 32 BEGINNING 11/1/2021, BASE
Claim #11 filed by the IRS will be paid through the plan.

MP proposes: $3,915 paid to date, $295 x 28 beginning 9/1/2021, base
Arrears $16
(extends plan to 39 month and adds Priority Claim #11 filed by the IRS to the plan)
Matter ResolvedRequest
Adjourment
8810/6/2021 10:00 am20-19309 / CMGPETER E ZIMNIS, ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 31 of 14 required payments   Arrears: $100.00  Total Paid In: $3,100.00
ISSUES AS OF 9/23/2021 (DM): Atty ok with terms.sf

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $3,100 PTD, THEN $100 x 47 STARTING 10/1/21, BASE PLAN, FNA POC (1-1) AND CITY OF TRENTON POC (7-1) SHALL BE TREATED OUTSIDE THE PLAN, TRUSTEE SHALL MAKE NO FURTHER PAYMENT ON THESE TWO CLAIMS***

1) MP fails to cure confirmed plan arrears (MP IS 60 MONTHS, DEBTOR IS BELOW MEDIAN, AND TOTAL PLAN PAYMENTS SATISFY ARREARS).

2) MP improperly amends plan payments retroactively (SEE PROPOSED CONFIRMATION TERMS).


Confirm Case: $1,800 Ptd, $516 x 56, Base Plan
Prop. MP: $100 x 60 start ???, Base Plan
PTD = $3,100
Last Claim (8-1) dated 10/9/20
Matter ResolvedRequest
Adjourment
010/6/2021 10:00 am20-19804 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 17 of 14 required payments   Arrears: $372.00  Total Paid In: $6,186.00
This MP doc 42 should be marked withdrawn as another plan was filed doc 47
Matter ResolvedRequest
Adjourment
8910/6/2021 10:00 am20-19804 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 17 of 14 required payments   Arrears: $372.00  Total Paid In: $6,186.00
ISSUES AS OF 9/23/2021 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $6,186 PTD, THEN $372 x 47 STARTING 10/1/21, $6,485 MINIMUM DIVIDEND***


Confirm Case: $3,024 Ptd, $504 x 54, $6,485 Min Div
Prop. MP: Ptd, $372 x 48 start 9/1/20, $6,485 Min Div
PTD = $6,186
Last Claim (2-4) dated 8/18/21
Matter ResolvedRequest
Adjourment
9010/6/2021 10:00 am20-21456 / CMGROBERT C NISENSON ESQConfirmation Hearing on Modified PlanConfirmedDebtor has made 10 of 12 required payments   Arrears: $0  
Total Paid In: $3,000.00
10/6 workup EDC

**CAN CONF AT: $3000 paid to date with lump sum to trustee to payoff case in full by 10/31/2021-100%

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


9/15 workup EDC

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

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

8/23 workup ED-C

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

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

NEEDS JUDGE

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


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

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

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

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

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

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

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

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

2/23 workup for the 3/3 calendar EDC

-2 payments arrears
-Motion to sell also scheduled with multiple objections-SALE NO
Matter ResolvedRequest
Adjourment
9110/6/2021 10:00 am21-10065 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 9 required payments   Arrears: $403.00  Total Paid In: $2,522.00
ISSUES AS OF 9/22/2021 (DM): - Atty ok with terms.sf

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $2,522 PTD, THEN $403 x 52 STARTING 10/1/21, 0% PLAN, 18-MONTH PROMPT CURE OF PARK APARTMENTS POC (10-1), TRUSTEE IS AUTHORIZED TO PAY IRS PRIORITY POC (4-2), PRE-CONFIRMATION CERT WITHIN 10 DAYS***

 8/31/21 - copy of tax returns sent to Patricia Davis (IRS) for 2014 - 2020 were uploaded.

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

1) IRS filed $3,867.48 priority claim that includes estimated taxes for 2017 thru 2019 not treated in the plan (AMENDED TO $1,914.12).

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

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

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


Prop. Plan $353 x 60, 0%
PTD 7/8 = $2,522
Last Claim (4-2)
Matter ResolvedRequest
Adjourment
9210/6/2021 10:00 am21-11000 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 10 of 8 required payments   Arrears: $5.00  Total Paid In: $8,750.00
ISSUES AS OF 9/23/2021 (DM): Atty ok with terms and ok to pay State of NJ claim.sf

***If paying State of NJ claim, TRUSTEE CAN RECOMMEND CONFIRMATION AT $7,834 PTD, THEN $921 x 53 STARTING 10/1/21, 100% PLAN; ADD TO CONFIRMING ORDER: TRUSTEE IS AUTHORIZED TO PAY STATE OF NJ LATE POC (15-1); IF PLAN IS AMENDED TO LESS THAN 100%, DEBTOR MUST PROVIDE MORTGAGE STATEMENT ON MONTICELLO CT PROPERTY AND HUD-1 FROM SALE OF THE CARDINAL DRIVE PROPERTY***

1) State of New Jersey filed $198.39 priority claim not treated in plan (OKAY TO PAY??) yes


Confirm Case: $5,765 Ptd, $1,953 x 55, 100% Plan
Prop. MP: Ptd, $916 x 54 start 9/1/21, 100% Plan
PTD = $7,834
Last Claim (15-1) dated 8/18/21
Matter ResolvedRequest
Adjourment
9310/6/2021 10:00 am21-12482 / CMGJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanContinued
10/20/2021 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $0  

MK: atty says P & L uploaded last night- Needs review

ISSUES AS OF 9/22/2021 (DM): Updated 10/1/21

***Need updated P&Ls***

1) TBF Financial filed secured judgment POC (28-1) in the amount of $38,199.14 not treated in the plan (ADD TO CONFIRMING ORDER TO PAY).

2) Trustee OBJ:
- Need updated income for both debtors by 9/30/21.
- There is $29,544 non-exempt equity in real estate.
- There is $624 non-exempt equity in personal bank accts pending review of
additional accounts.
- There is $13,800 non-exempt equity in business equipment & furniture and bank
account balance of $20,255 (pending valuation of all accounts).
- Need a valuation (Balance Sheet) for the business (SEE DOC #45).


***RESOLVED ISSUES***

 Trustee and Wells Fargo (Brock & Scott) objected to Notice of Proposed Compromise of Settlement (ORDER ENTERED DOC #43)

3) IRS filed a priority claim that includes estimated taxes (AMENDED TO $0).

4) State of NJ filed priority POC (14-1) that includes estimated taxes for 2019 & 2020 (AMENDED TO $5,120.30).

5) Wells Fargo Bank (Brock & Scott) OBJs - failure to cure arrears of $13,878.35 (CO ENTERED TO PAY BUT POC AMENDED TO $0 AS LOAN MOD IS NOW COMPLETE).

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

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

8) Trustee OBJ:
- Need proof of rental income (lease agreement) for Florida property (RECEIVED).
- Need 2020 tax return by 6/30/21 (RECEIVED).
- Need bank statements for 2 Affinity FCU business accounts (RECEIVED).
- Need Jan & Feb bank statements for Chase account (RECEIVED).
- Need a MP to treat secured claims filed by Wells Fargo & One Main (FILED).
- Excessive Expenses - Sch J: $698 car payment.
- Need Certification C-Rod Transport (RECEIVED).
- Need to file Pre-Confirmation Certification (FILED).


Prop. Plan $200 x 3, $1,000 x 57 start 7/1/21
$30,168 Min Div
PTD 6/6 = $3,600
Last
Matter ResolvedRequest
Adjourment
9410/6/2021 10:00 am21-12491 / CMGKARINA PIA LUCID, ESQ.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 7 required payments   Arrears: $1,941.00  Total Paid In: $8,077.00
PER ATTORNEY OK TO CONF AT:

$8076.60 paid then $3095 x 54 beg 10/1/21-pro rata with min of $90,000 to unsecured (per 122C) --TRUSTEE WILL NOT PAY NJ UNLESS A CLAIM IS FILED



RESOLVE OR HOLD
9/28 workup for the 10/6 calendar EDC--same as last time

**EVEN IF WE USE THE DEBTORS NUMBERS AND NEW AMENDED 22C IT WOULD REQUIRE $90,000 TO GUCS AND $3113 X 54 REMAINING MONTHS (6422 PAID TO DATE)

**Trustee obj to the following:

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

--- 22c has disposable income: Line 10 $603.57 (additional mortgage payment) should be $0 (already on Line 9b), Line 13c should be $266, Line 13f should be $196, Line 30 additional food/clothing $60 and Line 43 has student loans $1,100. Line 45 disposable income would be $3,138.11, which would require minimum dividend $188,286.60 to gucs.***AMENDED--THE AMENDED SHOWS $1528 TO GUCS MONTHLY BUT STILL INCLUDES THE $1100 FOR STUDENT LOANS (I ONLY GET $250)

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

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

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

-Student loans outside of the plan



RESOLVED ITEMS BELOW:
-------------------------------
- Need January and February bank statements for and NJ Law CU (or closing statement)(done)
-Secured claims filed by Citizens Bank for 2016 Honda and Americredit for 2018 Chevy, not in plan or Schedule D.
2. Wells Fargo (LOGS Legal Grp) obj to plan not being clear, due to listed on Part 4f unaffected and again on Part 4g as to be paid in full. Based on Trustee review, Sched D list 2 mortgages, plan is proposing to pay 2nd mortgage claim in full. Obj needs to be resolved. (OS)
>>>>(mk:7/2/21:order submitted re Wells Fargo obj:POC 52,467.6
Matter ResolvedRequest
Adjourment
9510/6/2021 10:00 am21-12713 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
11/17/2021 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $313.00  
AS OF 9/22/21 (SF)


1. Objection filed by OneMain Financial Group, LLC (Peter Meltzer) - to cram (MUST RESOLVE)

2. Trustee objection:
- The debtor has failed to supply the Trustee with the following document (s):
Need copy of declarations page as proof of auto insurance for 2007 Nissan Armada.
- Excessive expenses listed on Schedule J: $500 per month for food for 1 person
- Disposable income verifies higher at $1,217. Plan may required 100% to general unsecured creditors.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2500.00 when
determining disposable income.

- File pre-confirmation certification.


Plan proposes $250 x 36 Base w/wage order
Payments: 4/5 Arrears: $187.50

RESOLVED ISSUES:
- The debtor has failed to provide proof of service with respect to Plan Motion (s). One Main (OBJ FILED)
Matter ResolvedRequest
Adjourment
9610/6/2021 10:00 am21-13001 / CMGEric ClaymanConfirmation Hearing on Modified PlanContinued
11/17/2021 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $1,212.00  
9/28 workup for the 10/6 calendar EDC

Prop Plan $625 x 60 begin 5/1/21; 0%-OTBS with Santander in 30 days
--trustee cannot pay Parkwood unless a claim is filed

- Is wage order back in effect? ORDER TERMINATING WAGE ORDER DATED 7/7/2021

- No claim has been filed by Parkwood Gardens for $6,900 (rent lease prompt cure), bar date has passed. --cannot pay if no claim


8/4/21 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $310.22.
---------------------------------------------------
- Need a mod plan that clarifies treatment of Chrysler Capital claim, if cramming add to Section 4d and Section 7c and provides for a prompt cure of rental arrears. - MOD PLAN CORRECTS.
- Must file Pre-confirmation certificate. - FILED 7/30/21
- . Santander (MORTON) obj that 2019 Toyota was purchased 7/29/19 and is a 910 claim, proof of insurance, lien retention and add adeq prot. Obj must be resolved.

Prop Plan $625 x 60 begin 5/1/21; 0%-OTBS with Santander in 30 days--trustee cannot pay Parkwood unless a claim is filed
Matter ResolvedRequest
Adjourment
9710/6/2021 10:00 am21-13481 / CMGJONATHAN GOLDSMITH-COHEN, ESQConfirmation Hearing ScheduledPlan DeniedDebtor has made 6 of 6 required payments   Arrears: $0  

Atty filed MP (#20)filed filed 10/5/21.

9/29 workup for the 10/6 calendar

-SAME AS LAST TIME-where is MP?
AR ATTY NEEDS MP TO PAY STUDENT LOAN OS PLAN
NEED INFOR ON CHILD SUPPORT AWARD 8/5 - CHILD SUPPORT ORDER LINKED TO CASE (JMA)

workup for the 8/18 calendar EDC
JMA updates as of 8/2
**Debtor received $135,000 4 months prior to filing-what happened to $55,000 of it? There was only around $80,000 left at time of filing
1) Trustee objection to confirmation - need to resolve
-the debtor has insufficient income amendments to Schedules I to add child support income
-the Schedules fail to account for the debtors tax refund in the amount of $9,725 when determining disposable income
-the plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7 - there is $25,552.30 in non exempt equity in the residential property and there is $79,483 in non exempt equity in the bank accounts
-need to file Pre Confirmation Certification with Court.
2) Debtors plan does not specifically address treatment of student loans. Schedule J does not include student loan payments. Claim filed by US Department of Education in the amount of $72,226.24
3) The proposed terms are not sufficient to pay the minimum $103,035.30 dividend to general unsecured creditors due to non exempt equity in house and bank accounts. To confirm the plan would need $3,800 paid to date, $3,470x34 begin 8/1/2021

proposed plan $970x36 base plan
paid in $3,880
last claim 14
Matter ResolvedRequest
Adjourment
9810/6/2021 10:00 am21-13875 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $0  

As of 10/1/21 (DS): 1. Trustee obj to the following: Emailed Debtor atty to follow up if Debtor is still receiving unemployment income, per letter of determination from NJ Dept of Labor unemployment ends 7/3/21.
- Need Deed and current market analysis for timeshare.
- Service on motions in plan, dated 9/14/21 to Ally Capital was not properly served. Serves payment address on claim filed 5/19/21.
- Must amend Schedule A/B and C to add timeshare.
- There are excessive expenses on Schedule J such as: $201.41 Timeshare (luxury item) and $724 Food.
- Verified income leaves disposable income $631.82.
- Plan list priority claim of IRS outside This claim must be paid through the plan.
- Must file Pre-confirmation certificate.
- Debtor to provide updated proof of income and amended Schedule I & J by 12/1/21.

3. JPMorgan Chase (FEIN, SICH KAHN) obj to post-petition monthly mortgage payment due is not listed in Plan. Obj must be resolved.(mk: atty will submit an Order on this)

Prop Plan $1,200 x 57 begin 9/1/21; Base
Note: Provided timeshare mortgage statement dated 3/2/21 and homeowners insurance.
Matter ResolvedRequest
Adjourment
9910/6/2021 10:00 am21-14616 / CMGAndrew Thomas Archer Confirmation Hearing on Modified PlanConfirmedDebtor has made 8 of 4 required payments   Arrears: $0  
Total Paid In: $4,658.00
AS OF 10/5/21 (SF) Updated


RECOMMEND $4658 PTD, $610 X 56 (BEGIN 11/1/21); 100% W/ MIN OF $367 TO GUCS PER EQUITY IN PERSONAL PROPERTY; LOAN MOD BY 12/13/21
- DO NOT PAY OR RESERVE TO WILMINGTON SAVINGS CLAIM PENDING APPROVAL OF LOAN MOD
- STUDENT LOANS TO BE PAID OUTSIDE PLAN



1. Modified plan lists Wilmington Savings secured claim 3-1 as unaffected because loan mod has been approved. ( NEED ORDER APPROVING LOAN MOD) Also, this claim is a total debt claim which matures on 2/2/2022.

2. Objection filed by Bank of America (Douglas McDonough) - failure to pay arrears of $5273.10 (MP PROPOSES TO PAY ARREARS)mk: atty says no obj to MP

3. Loss Mit order expires on 12/13/21.

4. Trustee objection:

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

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

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

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

Plan proposes $1719 x 2, $610 x 58 100%
Payments: 3/3

RESOLVED ISSUES:
- Student loans $496 (Plan does not list student loans outside). (PLAN DOES LIST STUDENT LOANS OUTSIDE)
- Must file Pre-confirmation certificate. (FILED)
Matter ResolvedRequest
Adjourment
10010/6/2021 10:00 am21-14739 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

issues as of 9/28/2021 (JMA)

1) Trustee objection to confirmation - need to resolve
-need a statement for the co-debtor's pension loan
-a modified plan that increases Trustee payment when co-debtor's pension loan is paid off - LAST PAYMENT WILL BE IN AUGUST 2022, TIER INCREASING PAYMENT BY $440 FOR NEW PLAN PAYMENT OF $790 BEGINNING 9/1/2022
-the debtors plan consists of unnecessary or excessive expense items, such as: $380/month for utilities; $600/month for cable/internet/phone NEED SUPPORTING DOCUMENTATION FOR EXPENSES
-the debtor is not paying all disposable income into the plan - the co-debtor's income verifies higher (44,160) than scheduled ($3,025) resulting in $1,458 monthly disposable income
-need to file Pre Confirmation Certification FILED
-need to file a fee application within 7 days of the entry of the order confirming the plan

proposed plan $350x60 0% plan
paid in $1050
last claim 19
Matter ResolvedRequest
Adjourment
10110/6/2021 10:00 am21-14998 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $49.00  Total Paid In: $3,834.00
As of 9/28/21(mk):Updated-Atty ok to terms

**Can Recommend Confirm At $2,556 PTD, Then $1,327 x 57 Begin 10/1/21; 100% and Protect Equity Threshold in Real Property Of $92,841;Student loans paid outside;
Trustee is authorized to pay US Bank claim #10-1 in the amount $2,977.71. COTBS w/US Bank resolving objection w/in 30 days. Trustee is authorized to pay Santander arrears claim #6-1 in the amount of $633.30. Lease (NIP)with NRG Residential Solar Solutions("Solar Lease") is assumed. Must file fee application w/in 7 days of confirming order. Must file pre conf cert w/in 10 days**



1. Objection by US Bank(RAS)(:RESOLVED-COTBS PAY ARREARS THRU PLAN)
plan has unaffected. There arrears $2,977.71.

2. Santander(2019 Ram Truck) filed arrears POC $633.30-OK To Pay?(PER ATTY- YES PAY)

3. Trustee Objection:
-debtor has insufficient income pending proof of income for Debtor
verifies $ -914.73. (Payments 2/3 so will give debtro a chance and rec conf.
-need Proof of 2 month's income - from Debtor listed on Schedule I
monthly $575.
-need Amendments to Schedules Attorney Disclosure list attorney fees
will not be paid through plan, plan has $4,000 or mod plan to remove
attorney fees(Hourly fee- so provision irrelevant)
- mod plan, since not listed on Section 6 of plan would be rejected).
-current Plan does not specify treatment of Solar Panel Lease listed on Schedule J expense $126 .(Do you want lang added to assume lease?)PER ATTY ADD LANG TO ASSUME LEASE
-need current market analysis - CMA provided is dated 6/25/20, comps
provided have no dates.
-Based on the latest market report per Tr own investigation, there is non-exempt equity (92, 841)in real property, the case needs to remain at 100% to unsecured creditors. Pending updated CMA( Will go w/ internet value)
- Amend Schedule G to list solar panel company, listed on Schedule J expense.
- US Bank filed arrears claim $2,977.71 and Santander $633.30, plan list as outside, needs
to be paid or move against claim
Matter ResolvedRequest
Adjourment
10210/6/2021 10:00 am21-15045 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 4 required payments   Arrears: $1,103.00  
10/6/21: filing a MP says says uploaded tax return and disagrees w/ income- Tammy will contact (at)

AS OF 9/27/2021 (at):

1. Portfolio Recovery filed a secured claim #3 in the amount of $1,824.54 which is not in the plan. Is it ok to pay this claim?

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - profit and loss income by 3/1/22 and amended Schedule I
& J (LANGUAGE ADDED)
- A copy of the last filed tax return - for 2020. (NOT RECEIVED)
- bank statement (May & June) from Wells Fargo. (RECEIVED)
- A Modified Plan that corrects attorney fees per disclosure $4,750 or amend attorney
disclosure per plan $3,610. (NEITHER AMENDED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- P &L has excessive expenses for rent $250 (business is run out of residence) and other
expense average $235 monthly (unknown) Sched J list mortgage $2,163 (Plan has $1,130.07) and non-debtor spouse debt expenses $500 (requires proof of expenses 10 days prior to confirmation). (NOT RECEIVED)
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Due to excessive expenses, there would be disposable income $1,744.14.
- The current Plan does not specify treatment of Portfolio Recovery for 2010 Pontiac G6
arrears $1,842.54 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 non-exempt equity on 2002 GMC Yukon $2,600 and estimated in bank account
$20,879.99 (pending updated bank statement).
- 2 months (April & May) bank statements from Bank of America business account prior
to filing date. (NOT RECEIVED)
- Need accountants valuation (Balance Sheet
Matter ResolvedRequest
Adjourment
010/6/2021 10:00 am21-15203 / CMGANDREW CARROLL, ESQ.Confirmation Hearing ScheduledWithdrawnDebtor has made 2 of 4 required payments   Arrears: $1,330.00  
Matter ResolvedRequest
Adjourment
10310/6/2021 10:00 am21-15203 / CMGANDREW CARROLL, ESQ.Confirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $1,330.00  
AS OF 9/23/21 (SF)


1. There is no claim filed for Advanced Orthopedics. Should this claim be stricken from plan? Bar date expired on 9/3/21.

2. Trustee objection:
- Amendments to Schedules Form 101 should be amended debtor is a/k/a Nancy Zapf.
- There is non exempt equity in real property of $172,960.79. Plan is 100%.
- must file per conf cert.
- need amended schedule I to add business income - need proof of business income. (Debtor receives unemployment and per 341 notes, business is operating again and now has business income)
- add to terms any non exempt proceeds from possible personal injury case to be paid to Trustee.

3. Debtor receives unemployment and per 341 notes, now has business income

Plan proposes $555 x 2, $775 x 58 100%
Payments: 2/3 Arrears: $555

Matter ResolvedRequest
Adjourment
10410/6/2021 10:00 am21-15254 / CMGYAKOV RUDIKHConfirmation Hearing ScheduledContinued
11/17/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

10/7/21(mk:) Parteis discussing having a 3rd party do a full appraisal and be bound by that for valuation #. If agreed they will enter into a CO for that and will let court know no need for valuation hearing.

Mk: CT to schedule a valuation hearing and will contact parties as to date


mk: atty to appear & request adj & advise about valuation hearing that may be needed

As of 10/5/21 (DS): Debtor attorney requested adjournment, request denied, appearance is required.

1. BELOW ISSUES REMAIN UNRESOLVED.

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

9/1/21 (DS): 1. Trustee obj to the following:
- Amendments to Schedules B and C to add 2019 Honda Pilot. - CERT PROVIDED, DEBTOR DOES NOT OWN VEHICLE, VHICLE BELONGS TO DECEASED SPOUSE AND CHILDREN ARE COVERING THE EXPENSES UNTIL LEASE IS UP 5/2022.
- Need to add to confirming order Trustee standard order of distribution and Debtor is to provide 2 months updated proof of income, amended Schedule I and J by 1/31/22.
- Must resolve State of NJ estimated claim, 2019 tax return not filed. - AMENDED CLAIM FILED 10/4/21, NO LONGER AMENDED, BUT OWED $244.98, NOT IN PLAN, OK TO PAY?

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

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

Prop Plan $670 x 60 begin 7/1/21; Base
Note: IRS claim no longer estimated, Debtor received tax refund, claim has $0 owed for 2020.
Matter ResolvedRequest
Adjourment
10510/6/2021 10:00 am21-15274 / CMGPAUL H YOUNGConfirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS OF 9/29/21 (SF) UPDATED

1. Objection filed by UMB Bank (Stuart West) - failure to pay arrears of $3543.8

2. Trustee objection:
- Need a Modified Plan that that pays the mortgage arrears of Rushmore and Wells Fargo per claims filed.
- There is non-exempt equity on real property $17,425.27, 2016 Nissan $5,367 and bank acct
$1,038.89, total $23,831.16.
- Must file Pre-confirmation certificate.

Plan proposes $720 x 60 Base
Payments: 2/3 Arrears: $717

RESOLVED ISSUES:
- Objection filed by Wells Fargo (Elizabeth Wassall) - failure to pay arrears of $16,224.38 and failure to propose correct post petition payments of $1068.27 (RESOLVED VIA CONSENT ORDER)


Matter ResolvedRequest
Adjourment
10610/6/2021 10:00 am21-15285 / CMGYAKOV RUDIKHConfirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

AS of 9/28/21(mk):

1. Objection by CIT Bank( McCabe):Objects to Cram and non payment of arrears(FYI no arrears in POC 13-1)

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

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

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



Plan:260 X 60 BEG 7/2021;BASE
payments:4/3
last claim:13-1, bar date:9/7/21
Matter ResolvedRequest
Adjourment
10710/6/2021 10:00 am21-15333 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 9/28/21(mk):STILL NEED UPDATED POI. REQUESTED PAY STUBS FOR JUNE,JULY ,AUGUST & now SEPT. EXPENSEOF 2,000 FOR PARENTS ON J REMAINS CONTESTED.

THIS WILL NEED JUDGE SO NEEDS TO Be Adjourned

Note;debtor is paid 2x per week.

>Amended I reduces debtor income by 200. NO UPDATED PAY STUBS PROVIDED. Verified income thus far is higher so need proofs. No Amended J so TR obj. that not paying dispos income into plan remains. SUPPL OBJ. FILED REQUESTING UPDATED PAY STUBS.

>>8/26/21 Filed Amended I reduces income on I.WILL NEED UPDATED PAY STUBS TO SUPPORT. last pay stubs were from may2021 TR SUPPL OBJ FILED.
>>TR objects to 2,000 p/m for parents support.as this is not an allowed debt/expense (GUC debt is 193,362.18 ).

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


Plan proposes: $1,100 x 60 beginning 7/1/2021, base
Payments:3/3
Matter ResolvedRequest
Adjourment
10810/6/2021 10:00 am21-15420 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $590.00  
As of 9/27/21 (DS): 1. MFR filed by mortgage sched 10/6/21, need outcome.

2. No claims filed by Christiana T C/F for property taxes and Long Branch Sewerage.

3. BELOW ISSUES STILL UNRESOLVED.

9/1/21 (DS): 1. Trustee obj to the following:
- Proposed plan payment does not sufficiently pay all claims and Trustee comp, payment would need to be about $749 for 57 months. Claims filed higher.
- Must file Pre-confirmation certificate.

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

Prop Plan $590 x 60 begin 8/1/21; $0
Note: Homeowner insurance provided. Service on motions done. No bank statements needed, Debtor has no bank accts on Schedule B. State of NJ Tax amended claim to $0 arrears.
NOTE: - Property value on Zillow is much higher ($369,800) and comparables are within 3-6 mos. CMA comps all closed Feb 2021. - STILL NO EQUITY MORTGAGE CLAIM FILED $376,671.56, MUCH HIGHER THAN VALUE.
Matter ResolvedRequest
Adjourment
10910/6/2021 10:00 am21-15463 / CMGCANDYCE I SMITH-SKLAR, ESQConfirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,432.00  
AS OF 10/4/21 (SF) - Attorney now has consent.
ok to adjourn.

MP FILED AND SCHEDULED FOR 11/3/21


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

2. IRS filed estimated priority claim 10-1 (AMENDED BUT STILL ESTIMATED. MISSING 2018 RETURN. NEED AMENDED CLAIM)

3. State of NJ priority claim 17-1 is estimated. Missing 2018 Return (MUST RESOLVE)

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

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

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


Plan proposes $1539.53 x 60 BASE
Payments: 1/2 Arrears: $1485.53

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

- The debtor has failed to provide proof of service with respect to Plan Motion (s). IRS, First National Collection Bureau, Jefferson Capital Systems and LVNV Funding (RECEIVED)
- Must file pre-confirmation certification (FILED)
Matter ResolvedRequest
Adjourment
11010/6/2021 10:00 am21-15968 / CMGBRUCE C TRUESDALE ESQConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 3 required payments   Arrears: $0  
Total Paid In: $720.00
AS OF 10/5/20021 (at):

RECOMMEND: $150 X 36 BEGINNING 8/1/2021, BASE


MP before confirmation proposes: $570 paid to date, $150 x 34 beginning 10/1/2021, base
Payments: 2/2
Matter ResolvedRequest
Adjourment
11110/6/2021 10:00 am21-16015 / CMGPRO SEConfirmation Hearing ScheduledContinued
10/20/2021 10:00 am
Debtor has made 0 of 3 required payments   Arrears: $450.00  
mk" per ct adj to 10/20 to see if she survives the OSC on 10/19


As of 10/4/21 Pro-Se Debtor requested adjournment to seek consult with atty, request denied, Debtor has not made any Trustee payments nor provided proof of auto insurance. Emailed Debtor and informed of same.

As of 9/24/21 (DS): 1. No Trustee payments made, 0 out of 2 payments.

2. Trustee obj to the following:
- Debtor has insufficient income. No income provided.
- Need 2 month's proof of income from unemployment (if it renews on 9/5/21) and other sources of income if applicable, 2020 tax returns, bank statements from 5/1/21 to 7/31/21 and current auto insurance policy.
- Need a mod plan that removes attorney fees, completes Part 8a, Part 8c, Part 8d, advises of treatment of student loans and specifies treatment of the financing company for the car.
- Amend Schedule D to add financing company for the car.
- Excesses expenses on Schedule J such as: $500 Telephone/cell phone/internet and $575 car payment.
- Debtor is not entitled to a discharge in this Chapter 13 based upon the Chapter 7 discharge issued in 2019.

3. Caravana (HLADIK, ONORATO & FEDERMAN) obj not in plan. Obj must be resolved.

4. Must file Pre-confirmation certificate.

Prop Plan $150 x 36 begin 9/1/21; Base
Matter ResolvedRequest
Adjourment
11210/6/2021 10:00 am21-16155 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $41.00  Total Paid In: $852.00
As of 9/30/21(mk):Updated


**CAN REC CONFIRM AT $568 PTD, Then $325 x 58 Begin 10/1/21; base w/ min to GUCS $14,250; Add language that auto lease with Ford is assumed; OTBS w/Ford resolving objection w/in 30 days.**


1. Objection by Ford Motor;(CAN ADD LANG TO ASSUME LEASE- NEED MORTON'S OK- perTammy -he agreed- will add OTBS
2. Trustee Objection:
-debtor not paying all dispo income into plan.Trustee's calculations are higher for
the following reason (s):
-excess monthly disposable income on Form 122c-2 Line 45 $242 requires minimum
$14,250 dividend to general unsecured creditors
income verified higher($5,417) than scheduled($4,717.00). Monthly disposable incomeis $998.90. Proposed plan payment $284. (income included retro pay- go with 325 goin gforward


Plan:$284 X 60; MIN $12000
2/2 payments
last claim :5-1, bar date:10/8/21
Matter ResolvedRequest
Adjourment
11310/6/2021 10:00 am21-16188 / CMGEdward Wiercinski, Esq.Confirmation Hearing on Modified PlanContinued
11/3/2021 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

updated 10/4/2021 (JMA) discussed w MK, recommends adjourn to allow bar date to pass
issues as of 9/28/2021 (JMA)

1) Trustee objection to confirmation - need to resolve
-need Amendment to Schedule I to include rent received from Texas property SCHEDULE I AMENDED TO INCLUDE RENT OF $1,150, HOWEVER, EXPENSES TOTAL $1,895. NOT ENOUGH INCOME TO COVER THE PLAN PAYMENT
-the debtors plan consists of unnecessary or excessive expense items, such as: Food $400 and Texas property expenses such as: Mortgage $608, real estate taxes $459, homeowner insurance $354 (verifies $320) and maintenance $100 (100% plan)
-the schedules fail to account for the debtors tax refund in the amount of $1,027 when determining disposable income
-the Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7- there is estimated non exempt equity on Texas real property $99,977.67 and non exempt equity in Credit Union of Texas bank account $4,612.42 (100% plan) THE FILED MORTGAGED CLAIM IS LOWER AT $57,017.73 WHICH ACCORDINGLY INCREASES NON EXEMPT EQUITY TO $109,959.94 FOR TOTAL NON EXEMPT EQUITY OF $114,572.37
-add to confirming order non-exempt from MVA lawsuit to Trustee

proposed plan $1,895x60 100% plan
paid in $3,790
last claim 15
Matter ResolvedRequest
Adjourment
11410/6/2021 10:00 am21-16213 / CMGDAVID E. SHAVERConfirmation Hearing ScheduledContinued
12/1/2021 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,200.00  
10/6/21(mk) Atty has proof pf Epayment made 1,201.50.

Needs 341 date
Matter ResolvedRequest
Adjourment
11510/6/2021 10:00 am21-16227 / CMGEric ClaymanConfirmation Hearing ScheduledContinued
11/17/2021 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 9/23/2021 (at):

1. 341 has not been held or rescheduled.(some Docs just uploaded 10/5/21)

2. Payments: 2/2
Matter ResolvedRequest
Adjourment
11610/6/2021 10:00 am21-16256 / CMGANDREW B FINBERG ESQConfirmation Hearing ScheduledContinued
11/17/2021 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $100.00  
On 10/4/21 Debtor attorney requested adjournment, 341 sched 10/14/21
Matter ResolvedRequest
Adjourment
11710/6/2021 10:00 am21-16283 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $798.00  
NO PAYMENTS 0/2- atty holding $400 money order

issues as of 9/27/2021 (JMA)

1) Credit Acceptance Corporation (Morton) objection to confirmation - need to resolve
-debtors received a discharge in case 20-14820, as a result they must pay the claim in full along with interest at the contract rate
-plan should be amended to provide for payment of the net loan balance of $16,342.43 plus interest at 22.99%
-adequate protection payments beginning 9/2021 in the amount of $237 are to be made
2) Debtor response to creditor objection - disputing the need to pay claim in full - need to resolve
3) Trustee objection to confirmation - need to resolve
-the debtor is not paying all disposable income into the plan - income verified higher than scheduled leaving disposable net income of $1,019.31 cannot be a zero percent plan
-the debtor has failed to provide proof of service with respect to plan motions
4) Plan does not treat student loans - are they being paid along with the creditor pool? Schedule J does not show payments being made
5) Has not made Trustee plan payments to date, arrears $399

proposed plan $399x60 0% plan
paid in $0
arrears $399
last claim 5

Matter ResolvedRequest
Adjourment
11810/6/2021 10:00 am21-16292 / CMGTHEODORE SLIWINSKI ESQConfirmation Hearing ScheduledContinued
10/20/2021 10:00 am
Debtor has made 3 of 2 required payments   Arrears: $0  

MK: he filed MP and filed schedules-


AS OF 9/24/21 (SF)


1. Trustee objection:

- The debtor has insufficient income: negative $213
- Need modified plan that completes parts 5a and 8a
- Amend petition to correct the fifth number in the debtor's social security number
- Must file pre-confirmation certification
- The plan proposes non-standard order of distribution


Plan proposes $233 x 36 Base w/min $7550 to gucs
Payments: $473 received, current


Matter ResolvedRequest
Adjourment
11910/6/2021 10:00 am21-16652 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
11/17/2021 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 9/27/2021 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING.

1. 341 is scheduled for 10/14/2021.
2. Payments: 1/1
Matter ResolvedRequest
Adjourment
12010/6/2021 10:00 am21-16932 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing ScheduledContinued
11/3/2021 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $500.00  
As of 10/5/21 (DS): 1. No payments made, arrears will be $1,000 by 10/6/21. Debtor attorney provided proof of Epay payment $500 to be debited by 10/6/21.

2. Trustee obj to the following:
- Need recent mortgage statements or POCs filed (doc provided for 1st mortgage is notice of Sheriff Sale dated 3/21/18 and 2nd mtg is Form 1098 for 2017 tax year, dated 12/31/17, DSO Information Sheet and Listing agreement with realtor.
- There is estimated non-exempt equity $121,429.50 on real property.
- Must file Pre-confirmation certificate.

3. Community Loan/Bayview (SCHILLER, KNAPP, LEFKOWITZ& HETZEL) obj to sale.

Prop Plan $500 x 60 begin 9/1/21; $0 and Sale of Frederick Pl by 6 months after conf
Note: Homeowner insurance provided 10/5/21.
Matter ResolvedRequest
Adjourment
010/6/2021 11:00 am21-16849 / CMGSTEVEN J ABELSON, ESQOrder Show CauseJudge to Reserve Decision
MISSING DOCS
Matter ResolvedRequest
Adjourment
12110/6/2021 12:00 pm16-26750 / CMGBRUCE C TRUESDALE ESQMotion CompensationOrder to be SubmittedTotal Paid In: $69,000.00
Trustee obj,no funds on hand; needs order to pay outside<>FEE APPLICATION

>>atty to submit revised order to pay fees outside.
Matter ResolvedRequest
Adjourment
12210/6/2021 12:00 pm18-25881 / CMGWilliam H. Oliver, Jr., Esq.Motion CompensationOrder Previously SubmittedTotal Paid In: $11,696.00
Trustee Obj<> FEE APPLICATION


Needs a revised Order for $407 x 23 months begin10/1/21
Matter ResolvedRequest
Adjourment
12310/6/2021 12:00 pm18-30451 / CMGRonald I. LeVine, Esq.Motion CompensationContinued
11/3/2021 9:00 am
Total Paid In: $19,707.00
TR Objection
Matter ResolvedRequest
Adjourment
12410/6/2021 12:00 pm18-31848 / CMGEric ClaymanMotion CompensationGrantedTotal Paid In: $9,561.00
Matter ResolvedRequest
Adjourment
12510/6/2021 12:00 pm18-32821 / CMGJONATHAN GOLDSMITH-COHEN, ESQMotion CompensationGranted
Matter ResolvedRequest
Adjourment
12610/6/2021 12:00 pm19-25382 / CMGSTEPHANIE RITIGSTEINMotion CompensationDeniedTotal Paid In: $4,520.00
HEARING ON OBJECTION TO FEE APP.

1. The debtor is in arrears 1,077. There is a Motion to dismiss on for 10/20/21for arrears and there is a Stay Lift in the case so it is no longer feasible.

2.There are no funds on hand with the Trustee



Matter ResolvedRequest
Adjourment
12710/6/2021 12:00 pm20-11780 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $5,700.00
Matter ResolvedRequest
Adjourment
12810/6/2021 12:00 pm20-19971 / CMGWilliam H. Oliver, Jr., Esq.Motion CompensationOrder Previously SubmittedTotal Paid In: $4,319.00
8/30/21: Revised Order submitted

8/25/21(mk): atty to submit revised order adjusting fee. fee includes time for re closing over fee paid at closing. this was rreviewed.

TR Objection.

>3 atty time for ct hearing no proper dispo was marked for Motion Order previously submitted on 7/2/21 for the motion on 7/7/21.
Just needs a revised Orddr for fees in the amount of $1,118 instead of $1,253
Matter ResolvedRequest
Adjourment
12910/6/2021 12:00 pm21-14019 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $7,038.00
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes