Judge Christine M. Gravelle
Hearing Date: 11/2/2022
Hearing Count: 76
Last Updated: 09-28-2022 06:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
011/2/2022 8:30 am22-17371 / RG David G. Beslow, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
011/2/2022 9:00 am19-18891 / CMGEric ClaymanMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $26,610.00
Matter ResolvedRequest
Adjourment
1311/2/2022 9:00 am19-19102 / CMGJustin M. Gillman, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterTotal Paid In: $8,026.00
Debtor obj<>SN SERVICING/Stony Brook Way (FRIEDMAN VARTOLO)
Matter ResolvedRequest
Adjourment
011/2/2022 9:00 am19-20028 / CMGRobert Manchel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $25,620.00
Matter ResolvedRequest
Adjourment
011/2/2022 9:00 am19-27616 / CMGGeorge E Veitengruber IIIMotion Reopen Ch. 13 Case (fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $66,216.00
MTN TO REOPEN (for Debtor to list an asset= a claim against 3rd parties)debtor filed case in Dist Ct on 7/24/20 for violation of Family and Medical leave Act which may result in money damages. Wants to reopen and list the unliquidated asset.

TR obj:CASE WAS DISMISSED- THERES WAS NO DISCHARGE
it was dismissed on TR Motion b/c no APOC for NJ Div. of Tax- but we ended up paying that estimated claim after the fact.
the case was actually paid in full 100%

9/26/22:mk: I printed extra copy of obj and mailed to PA atty

Matter ResolvedRequest
Adjourment
011/2/2022 9:00 am20-18437 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $19,204.00
Matter ResolvedRequest
Adjourment
011/2/2022 9:00 am20-23943 / CMGWilliam H. Oliver, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $4,295.00
Matter ResolvedRequest
Adjourment
011/2/2022 9:00 am21-14419 / CMGTRAVIS J RICHARDS ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $9,600.00
Matter ResolvedRequest
Adjourment
011/2/2022 9:00 am21-15602 / CMGBRIAN L HOFFMAN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $7,979.00
Matter ResolvedRequest
Adjourment
4711/2/2022 9:00 am21-18301 / CMGFREDERICK J SIMONMotion Relief from Stay (Fee)3rd Party MatterTotal Paid In: $10,791.00
PHH MTG/ Manton Ave (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
011/2/2022 9:00 am21-18699 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $12,534.00
Matter ResolvedRequest
Adjourment
011/2/2022 9:00 am21-18965 / CMGKevin C. Fayette, EsqMotion Expunge Claims/Reduce Claims/Modify Claims/Object To3rd Party MatterTotal Paid In: $3,456.00
MTN TO EXPUNGE AYESHA MORGAN(GREEN) CLM
Matter ResolvedRequest
Adjourment
011/2/2022 9:00 am21-18965 / CMGKevin C. Fayette, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $3,456.00
Debtor obj<>FAILED TO ADDRESS AYESHA MORGAN LATE FILED CLM & DISCOVER FINANCIAL PER PLAN CLAIM

9/28/22(mk):Motion To Expunge claim of Ayesha Morhan (Green) filed and on for 11/2/22

9/14/22(mk): debtor reply - no longer owes A. Morgan. atty will move to expunge claim. Atty working on CO w/ Discover Fin.

Matter ResolvedRequest
Adjourment
6411/2/2022 9:00 am22-12011 / CMGDavid E. Shaver, Esq.Motion Relief from Co-Debtor Stay3rd Party Matter
PHH MTG / South Maplecrest Court (ROBERTSON, ANSCHUTZ)

MK: request for Loss Mit was filed 9/19/22. obj deadline is 10/3
Matter ResolvedRequest
Adjourment
011/2/2022 9:00 am22-12013 / CMGEugene Roth, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledTotal Paid In: $8,880.00
MTN TO ALLOW LATE FILED CL/VALLEY NAT'L BANK
Matter ResolvedRequest
Adjourment
6911/2/2022 9:00 am22-13096 / CMGGeorge E Veitengruber IIIMotion Relief from Co-Debtor Stay3rd Party Matter
Debtor obj<>FAY SERVICING/ Pitch Pine Lane (FRIEDMAN VARTOLO)
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am20-23648 / CMGEric ClaymanConfirmation Hearing on Modified PlanPending WorkupDebtor has made 16 of 21 required payments   Arrears: $1,070.00  Total Paid In: $4,154.00
Matter ResolvedRequest
Adjourment
9011/2/2022 10:00 am21-16878 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 9 required payments   Arrears: $624.00  
ISSUES AS OF 9/14/2022 (DM): need status of closing and proceeds from sale.

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

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

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

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

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

***RESOLVED ISSUES***

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

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

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

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

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


Prop. Plan $188 x 60, Base Plan
- sale of Popper St within 6 months
PTD 8/9 = $1,626
Last Claim (8-1)
Matter ResolvedRequest
Adjourment
9211/2/2022 10:00 am21-19851 / CMGWilliam H. Oliver, Jr., Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 6 of 9 required payments   Arrears: $866.00  
AS OF 9/15/22 (SF) - Sale of property was to take place on 9/9/22. Has property been sold? Need new sale date?

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


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


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

RESOLVED ISSUES:
- Objection filed by US Bank (Sherri Smith) - failure to pay arrears or monthly post-petition payments (3/15/22:OTBS-sale K w/in 90 days closing w/in 120 of the order. creditor to be pd in full from closing. Lien retained until paid off)(mk)
- Motion for Relief filed by US Bank scheduled for 3/16/22 at 9 (OTBS) There is an order resolving objection but where is the order resolving Motion for Relief? (RECEIVED) Debtor has 90 days to obtain Agreement of sale and 120 days to complete closing
- State of NJ Div of Employer Accts filed secured Judgment claim 1-1 for $2490.87, not addressed in plan (MP FILED)
- State of NJ Div of Tax filed secured claim 11-1 for $5677.48 not addressed in plan (MP FILED)
- Plan cannot be confirmed at 0% due to sale of real estate. Must be confirmed as a base plan.
- MP filed still need copy of listing agreement per notes in husband's case 21-16878 (RECEIVED)
- income verifies higher than scheduled, monthly disposable income $1,696.51 (USE INCOME FROM HUSBAND'S CASE)
- Trustee objects to debtor's valuation of residence. Zillow and other sources have value at Over $700,000.Needs current CMA with comps within the last 6 months. (NEED COPY OF LISTING AGREEMENT)
- Disclosure Statement does not state that fees were p
Matter ResolvedRequest
Adjourment
9411/2/2022 10:00 am22-11054 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 7 required payments   Arrears: $0  

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

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

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

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

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

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

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

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


Plan: 1,578 x 60 100%
payments 3/3
bar date 4/20/22
Matter ResolvedRequest
Adjourment
8911/2/2022 10:00 am22-11251 / CMGAndrew Thomas Archer Order Vacate Dismissal of Case3rd Party MatterDebtor has made 6 of 7 required payments   Arrears: $450.00  
341 now on 9/22/22.

AS OF 8/18/22 (SF)


1. 341 NOT HELD - MISSING DOCUMENTS
2. PAYMENTS: 5/6 ARREARS: $450
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-11340 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $300.00  
AS OF 9/14/22 (SF)

The plan does not appear to be feasible.

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

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

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

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

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

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

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

RESOLVED ISSUES:
- Need Proof of social security income (RECEIVED)
- Need a statement for 2022 for social security
income.
Matter ResolvedRequest
Adjourment
9711/2/2022 10:00 am22-11851 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 6 required payments   Arrears: $2,681.00  
AS OF 09/15/22(SF)

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

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

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

4. Trustee objection:

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

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

RESOLVED ISSUES:
-there is non exempt equity in real property in the amount of $55945.78, this cannot be a 0% plan. Also, debtor does not take a d(1) exemption. (DEED RESTRICTED PROPERTY, THERE IS NO EQUITY)
- Objection filed by SN Servicing/US Bank (Jonathan Schwalb) - failure to pay arrears of $87,921.80 and failure to provide for regular monthly mortgage payments. (MP FILED)
- State of NJ filed secured claim 17-2 for $5687.75 which is not addressed in plan (MP FILED)
- Objection filed by Pro Capital Management II, LLC (Shannon Burrini) - failure to pay tax sale cert in the amount of $1189.81 (MP FILED)
-need to file Pre Confirmation Certification with Court (FILED)
Matter ResolvedRequest
Adjourment
9811/2/2022 10:00 am22-12011 / CMGDavid E. Shaver, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 6 required payments   Arrears: $800.00  
9/14 workup for the 9/21 calendar

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

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

*Trustee objection:

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

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

-----------------------
Resolved:
-- need copy of Will of Teresa Vasarkovy (DONE)
---Amendments to Schedules B number 32 to add inheritance of debtor's mother. (DONE)
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-12769 / CMGOtto J. Kostbar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 5 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-12831 / CMGVera Fedoroff, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
10111/2/2022 10:00 am22-13096 / CMGGeorge E Veitengruber IIIConfirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $5,580.00  
MK: per atty waiting on fila APOC for IRS and NJ. debtor working w/ am accountant for 2028-2020. need a final adj PEREMPTORY to get it all done and be current and ready to confirm.

AS OF 8/29/2022 (at):

Trustee's objection:
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need to resolve the estimated claim filed by the IRS. (STILL ESTIMATED)
- Need to resolve the estimate claim filed by the State of New Jersey. (STILL ESTIMATED)

RESOLVED ISSUES:
1. Objection filed by US Bank Trust (McCalla Raymer) - failure to cure full arrears of $226,182.92. (MOD PLAN PAYS FULL ARREARS AND NO OBJ TO MOD PLAN)

2. Objection filed by Toscana Homeowners Association (Hill Wallack) - failure to cure full arrears of $1,565.75. (MOD PLAN PAYS FULL ARREARS AND NO OBJ TO MOD PLAN)
Need to resolve objection by US Bank. (RESOLVED)

The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - prior to confirmation. (RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$600/month for utilities
$700/month for cable/internet/phone
Need proof of excessive expenses 10 days prior to confirmation.
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):
- Per the 22C, monthly disposable income is $5,562 which requires a minimum dividend of $333,720 to unsecured creditors, or 100% plan.

Plan proposes: $5,580 x 60 beginning 5/1/2022, loan modification by 4/1/2023, base
Payments: 3/4, arrears $5,580
Matter ResolvedRequest
Adjourment
10711/2/2022 10:00 am22-13152 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 5 required payments   Arrears: $1,500.00  
9/21/22: atty -sent 2 payments & amended I & J Filed

As of 9/13/22 (DS):

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

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

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

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

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

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

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

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

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

AR NOW 1/3 NEED TFS AUTO DED

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

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

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

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

Prop Plan $500 x 12 begin 5/1/22; $2,450 x 48; 100% and Loan mod on Seneca Dr by 11/1/22
Note: Sched J expense is fine, Debtor's mo
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-13749 / CMGRichard F. Fried, Esq.CONFIRMATION HEARING3rd Party MatterDebtor has made 9 of 4 required payments   Arrears: $0  

As of 9/13/22 (DS): Debtor attorney requested adjournment, 341 sched 10/13/22
Matter ResolvedRequest
Adjourment
11411/2/2022 10:00 am22-13754 / CMGWarren Brumel, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 9/14/2022 (at):

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

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

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

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

MP before confirmation proposes: $545 x 60 beginning 6/1/2022, loan mod by 12/31/2022, 100% to unsecured creditors
Payments: 4/4
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-13754 / CMGWarren Brumel, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
11711/2/2022 10:00 am22-13930 / CMGMark S Cherry Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $4,800.00  
AS OF 09/15/22 (SF)

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

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

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

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

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

- Must amend Schedule I to add spouse's income

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

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

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

- Must file pre-confirmation certificate.


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

RESOLVED ISSUES:

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

Matter ResolvedRequest
Adjourment
11911/2/2022 10:00 am22-14068 / CMGAndrew Thomas Archer Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 4 required payments   Arrears: $500.00  
AS OF 9/14/2022 (at):

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

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

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

RESOLVED ISSUES:
Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - that includes liability
coverage. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)
- Any dismissal of this case should trigger a one year bar on refiling. (LANGUAGE ADDED)

Modified plan before confirmation proposes: $500 x 36 beginning 6/1/2022, loan modification within 6 months of filing, base
Payments: 3/4, arrears $500
(Garden State Veterinary Specialists and LVNV Funding LLC filed secured claims, which can be crammed down.)
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-14115 / CMGPRO SEOrder Vacate Dismissal of Case3rd Party MatterDebtor has made 1 of 4 required payments   Arrears: $1,824.00  
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-14323 / CMGMARK G CARUSILLOConfirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $2,234.00  
AS OF 9/14/2022 (at):

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

1. 341 is schedule for 10/6/2022.
2. Payments: 3/4, arrears $2,234.20
Matter ResolvedRequest
Adjourment
12411/2/2022 10:00 am22-14409 / CMGSEYMOUR WASSERSTRUM, ESQConfirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

issues as of 9/15/2022 (JMA)

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




Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-14453 / CMGGeorge E Veitengruber IIIConfirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,124.00  
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-14538 / CMGDonald C. Goins, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 3 of 3 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
12311/2/2022 10:00 am22-15182 / CMGEugene Roth, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $3,976.00  
As of 8/19/22 (DS): 341 not held 7/28/22, still missing all docs, also no Trustee payments made, arrears $3,976, made 0 out of 2 payments

mk: 9/7/22: docs uploaded
Matter ResolvedRequest
Adjourment
12411/2/2022 10:00 am22-15195 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 8/18/22 (SF)



341 not held - Rescheduled to 10/13/22
Payments: 2/3 Arrears: $2418
Matter ResolvedRequest
Adjourment
13011/2/2022 10:00 am22-15382 / CMGCamille J. Kassar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 9/6/2022 (at):

1. 341 has not been held or rescheduled.
2. Payments: 2/2


>>>341 now on for 9/22/22
Matter ResolvedRequest
Adjourment
13111/2/2022 10:00 am22-15391 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

As of 9/6/22 (DS): Debtor atty requested adj, 341 sched 9/15/22
Matter ResolvedRequest
Adjourment
13211/2/2022 10:00 am22-15392 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

As of 9/2/22 (DS): Debtor attorney requested adjournment, but sent in the wrong form, doc provided is 341 adjournment request, request denied.

341 sched 9/15/22
Matter ResolvedRequest
Adjourment
13311/2/2022 10:00 am22-15397 / CMGJoan Sirkis Warren Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

AS of 8/24/22(mk):


1. IRS Estimated claim.no return for 2019

2. Trustee objection:
- plan consists of unnecessary or excessive
expense items, such as:
$190/month for personal care
$695/month for transportation
$300/month for entertainment
Need proof of expenses 10 days prior to
confirmation.
-debtor not paying all of dispos income into
plan:Verified income leaves monthly
disposable income of $1,361.
-Schedules fail to account for tax refund of
$8,210 for dispos income.
- need pre conf cert.

Plan:665x60 base
1/1
Matter ResolvedRequest
Adjourment
13711/2/2022 10:00 am22-15488 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $2,633.00  
MK: 9/7/22 atty had proof of payment

issues as of 8/26/2022 (JMA)

1) The Money Source Inc (Stewart Legal) objection to confirmation - need to resolve
- arrears $97,715.70(MK:9/18/22 CO submitted- PAY POC
2) IRS priority claim #2 is estimated for 2018-2021 taxes
3) No Trustee plan payments to date, arrears $2,633
4) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - for 2021 prior to confirmation hearing.
- Need a copy of the debtors' marriage certificate.
- Need to file a Modified Plan that addresses secured claim #4 filed by Santander.
- Need to file a Modified Plan that adds all cramdowns to Section 4 AND Seciton 7 of the Plan Amendments to Schedules J to add second car payment.
- 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 $3,826.
- 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 $102,068 in non exempt equity in the residence. (100% plan )
- Need to file Pre-Confirmation Certification.
- Need to resolve the estimated claim filed by the IRS.
- Need to resolve objection by The Money Source.
- Need a valuation for the Voyager trailer and the truck listed on P &L. Business can not be worth $0.
5) Santander Consumer USA Inc (2015 Dodge Ram) claim 4 has arrears in the amount of $553.84, need to pay through plan or move against claim

proposed plan $2,633x60 100% plan
paid in $0
arrears $2,633
last claim 4
Matter ResolvedRequest
Adjourment
14011/2/2022 10:00 am22-15538 / CMGEric ClaymanConfirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 9/6/22 (SF) Adj request denied, no payments.

1. 341 NOT HELD - RESCHEDULED TO 9/15/22
2. PAYMENTS: 0/2 ARREARS: $1,180

>>341 now on for 9/15/22 and 1/2 payments
Matter ResolvedRequest
Adjourment
13311/2/2022 10:00 am22-15569 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 9/13/22 (SF)

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

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

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

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

4. The Plan proposes non-standard order of distribution


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

RESOLVED ISSUES:
- Need a copy of the marriage license. (RECEIVED)
- Need June and July bank statements for Wells Fargo account #8484
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-15590 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $350.00  
As of 8/31/22 (DS): Debtor attorney requested adjournment, 341 sched 9/29/22
Matter ResolvedRequest
Adjourment
14411/2/2022 10:00 am22-15649 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 8/29/22 (SF)

Trustee objection:
- The debtor has insufficient income . Verified income leaves monthly disposable income of -$308.00..
- Need to file Pre-Confirmation Certification.
- Need to resolve the bifurcated claim filed by Navy Federal Credit Union. Claim filed for $300 secured and $8.34 unsecured

Plan proposes $300 x 36 Base
Payments: 1/1

Matter ResolvedRequest
Adjourment
13511/2/2022 10:00 am22-15682 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

AS of 9/13/22(mk):

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

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



plan$1,031 X 60 BEG 8/2022; $0
2/2 payments
bar date:9/26/22
Matter ResolvedRequest
Adjourment
13711/2/2022 10:00 am22-15693 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $600.00  
>341 on 9/29/22 BUT NO PAYMENTS


issues as of 9/15/2022 (JMA)

1) 341 not held, rescheduled for 9/29/2022
2) No Trustee plan payments made to date, arrears $800
3) Lakeview Loan Servicing (LOGS) objection to confirmation
Matter ResolvedRequest
Adjourment
14211/2/2022 10:00 am22-15869 / CMGPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $900.00  
AS OF 9/15/22 (SF) - NO HOMEOWNERS INSURANCE mk: uploaded 9/19/22 and email to mk on 9/2022 w/ proof of electronic payment for$900

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

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



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

Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-16588 / CMGCamille J. Kassar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $200.00  
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-16600 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-16642 / CMGEric ClaymanConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $200.00  
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-16648 / CMGKevin C. Fayette, EsqConfirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $60.00  
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-16649 / CMGKevin C. Fayette, EsqConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $2,180.00  
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-16687 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-16755 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $54.00  
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-16846 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $650.00  
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-16850 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $300.00  
Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-16975 / CMGJacqueline R. Rocci, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-16986 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-16994 / CMGCamille J. Kassar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 200.00 of 0 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-17012 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-17063 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-17133 / CMGJOHN DICIURCIO, ESQConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-17232 / CMGMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 400.00 of 0 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-17271 / CMGDavid L. Stevens Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
011/2/2022 10:00 am22-17273 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
011/2/2022 12:00 pm19-29256 / CMGPRO SEMotion Motion (Generic) - Only use if no other event is applicable3rd Party Matter
MTN TO DISALLOW TRANSFER FROM BAYVIEW TO RIGHTPATH SERVICING
Matter ResolvedRequest
Adjourment
011/2/2022 12:00 pm20-17526 / CMGMarc C. Capone, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $25,965.00
Matter ResolvedRequest
Adjourment
011/2/2022 12:00 pm22-12420 / CMGHENRY N. PORTNER, ESQ.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 6 required payments   Arrears: $800.00  
Matter ResolvedRequest
Adjourment
011/2/2022 12:00 pm22-12420 / CMGHENRY N. PORTNER, ESQ.Motion Relief from Stay (Fee)3rd Party Matter
debtor filed response at #84

HOLD FOR NOON FOR STATUS CONFERENCE

>>>NEEDS JUDGE<<

Debtor response<>WILMINGTON SAVINGS (FRIEDMAN)

As of 8/3/22:Scheduling on this:
1. Consent order (this was filed 8/4/22 #73))to be filed by Mr. Portner.( Need assignments of mtg.(debtor atty & creditor atty had some differences) and their order to be all set forth and agreed upon)
2 J.Schwaab to file papers/brief by 8/29/22 explaining how debt went from 5000,00 to over $800,000 in POC among other things.
3. Portner reply by 9/12/22
4. Hearing 10/19/22. CT to decide if J'ment is valid and on amt of POC and assignments
Matter ResolvedRequest
Adjourment
011/2/2022 12:00 pm22-12420 / CMGHENRY N. PORTNER, ESQ.Objection to Proof of Claim3rd Party Matter
Wilmington obj ( Friedman Vartolo)<>OBJ TO WILMINGTON SVS POC #5-1

As of 8/3/22:Scheduling on this:
1. Consent order(his was filed 8/4/22 #73) to be filed by Mr. Portner.( Need assignments of mtg.(debtor atty & creditor atty had some differences) and their order to be all set forth and agreed upon)
2 J.Schwaab to file papers/brief by 8/29/22 explaining how debt went from 5000,00 to over $800,000 in POC among other things.
3. Portner reply by 9/12/22
4. Hearing 10/19/22. CT to decide if J'ment is valid and on amt of POC and assignments
Matter ResolvedRequest
Adjourment
011/2/2022 12:00 pm22-12439 / CMGMarc C. Capone, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $6,609.00
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes