Judge Michael B. Kaplan
Hearing Date: 11/13/2024
Hearing Count: 0
Last Updated: 11-08-2024 06:51 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
111/13/2024 9:00 am17-15246 / MBKRobert C. Nisenson, Esq.Motion Reopen Ch. 13 Case (fee)No Opposition Filed
MTN REOPEN TO FILE AP
Matter ResolvedRequest
Adjourment
211/13/2024 9:00 am19-12879 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $128,845.00
AMT: MP 11/13<>

ADJ by MBK to 11/13/24 - MBK suggested conversion to Ch. 7 or a new case (dm)

- $1,500 pending TFS as of 10/3???
- Conduit Case.
- MP filed to sell - no payment to creditor pending sale.
- Not sure if property is listed for sale yet.

ADJ Request Denied - last payment received in April (dm)



Debtor obj, filing MP<>ARREARS; FAILED TO MAKE LUMP SUM PYMT BY 7/31/24 OR FILE MP TO SELL PPTY
Matter ResolvedRequest
Adjourment
311/13/2024 9:00 am19-24097 / MBKEdward Hanratty, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsTotal Paid In: $37,922.00
ADJ by MBK to 11/13 for supplements by both parties by 11/6 (dm)

- Courtney Shed from Gross Polowy LLC responded to Mr. Hanratty's email to advise that she was the file attorney for the case and would request documentation from the client regarding the partial claim balance.

- Need to serve US Atty & Atty General (May be a moot issue.)

OST - MTN TO REDUCE HUD PARTIAL CLM MTG TO $0
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am19-24217 / MEHJeffrey E. Jenkins, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
11/19/2024 9:00 am
Total Paid In: $17,139.00
TRANSFERRED TO MEH
MTN TO DISBURSEMENT FROM CAR ACCIDENT SETTLEMENT Nunc Pro Tunc
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am19-24217 / MEHJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/19/2024 9:00 am
Total Paid In: $17,139.00
TRANSFERRED TO MEH
Still need status of claim against NJ Transit Rail Ops (dm)

10/7 amt: mtn to approve settlement filed for motor vehicle accident; hearing 11/13

Debtor obj<>FAILED TO PROVIDE TRUSTEE WITH PI STATUS
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am19-25150 / MEHScott E. Kaplan, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/19/2024 9:00 am

TRANSFERRED TO MEH
AMT: PIF/PENDING CLOSING<<>>

Debtor obj, made pymt<> PLAN BALANCE
Matter ResolvedRequest
Adjourment
411/13/2024 9:00 am19-25797 / MBKPHILIP R KAUFMAN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $28,297.00
COUNSEL FAILED TO REFUND TRUSTEE $500 FOR OVERPAYMENT ON FEES
Matter ResolvedRequest
Adjourment
511/13/2024 9:00 am19-27097 / MBKWarren D. Levy, Esq.Motion Relief from Stay (Fee)Continued
12/11/2024 9:00 am
Total Paid In: $32,578.00
Debtor obj, made pymts<>BOA/Wilson Dr (LOGS
Matter ResolvedRequest
Adjourment
611/13/2024 9:00 am19-29945 / MBKLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $54,028.00
ADJ to 9/25 for payment to post, then okay to ADJ further for plan payoff (dm)-NOT DONE

Debtor obj, will pay<>ARREARS
Matter ResolvedRequest
Adjourment
711/13/2024 9:00 am19-30353 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $84,153.00
AMT: MP 11/13<>

Debtor obj, filed MP<>FAILED TO FILE FEASIBLE PLAN; CONS ORDER #77 ADDED $19,000 PPMTG ARREARS & REQUIRED MP IN 14 DAYS
Matter ResolvedRequest
Adjourment
811/13/2024 9:00 am19-31701 / MBKMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $56,509.00
AMT; MP 11/13<>HONOR ROLL

Debtor obj<>FAILED TO LM BY 6/1/20; EXTENDED LOSS MIT EXPIRED 7/31/24
Matter ResolvedRequest
Adjourment
911/13/2024 9:00 am20-11986 / MBKCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $9,920.00
Debtor obj, will pay<> ARREARS
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am20-15435 / MEHCohn Lifland Pearlman Herrmann & Knopf Motion Sell Free and Clear of Liens under 363(f) (FEE)Continued
11/19/2024 9:00 am
Total Paid In: $15,612.00
TRANSFERRED TO MEH
55 JARED LN
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am20-21715 / MEHJonathan Stone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/19/2024 9:00 am
Total Paid In: $65,850.00
TRANSFERRED TO MEH
FAILED TO FILE MP FOR 100% PAYOUT WITHIN 10 DAYS OF 5/8/24 ORDER APPROVING PP FINANCING, DOC #86
Matter ResolvedRequest
Adjourment
1011/13/2024 9:00 am20-22951 / MBKJonathan Goldsmith Cohen, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $49,975.00
FREEDOM MTG / Eatontown Blvd. (PARKER)
Matter ResolvedRequest
Adjourment
1111/13/2024 9:00 am20-23862 / MBKKevin C. Fayette, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $13,830.00
Debtor obj, made pymts<> NATIONSTAR/Grassy Lake Rd (RAS)
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am21-10876 / MEHHerbert B. Raymond, Esq.Motion Relief from Stay (Fee)Continued
11/19/2024 9:00 am
Total Paid In: $40,686.00
TRANSFERRED TO MEH
AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, will pay before hearing<>PHH MTG / Trinity St (ROBERTSON)
Matter ResolvedRequest
Adjourment
1211/13/2024 9:00 am21-10883 / MBKBrian F. O'Malley, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $39,710.00
FAILED TO FILE NTC OF SETTLEMENT/MTN TO APPROVE FOR PI OR TURN OVER N/E PROCEEDS
Matter ResolvedRequest
Adjourment
1311/13/2024 9:00 am21-12585 / MBKSteven J. Abelson, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsTotal Paid In: $30,277.00
OST - MTN TO SELL E, BAY AVE PPTY
Matter ResolvedRequest
Adjourment
1411/13/2024 9:00 am21-12585 / MBKSteven J. Abelson, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceNo Opposition FiledTotal Paid In: $30,277.00
MTN TO APPROVE POST-PETITION FINANCING
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am21-12997 / MEHMarcia Y. Phillips, Esq.Motion Relief from Stay (Fee)Continued
11/19/2024 9:00 am
Total Paid In: $61,100.00
TRANSFERRED TO MEH
MIDFIRST BANK /Longwood Drive (KML)
Matter ResolvedRequest
Adjourment
1511/13/2024 9:00 am21-13923 / MBKJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $20,712.00
FAILED TO ADDRESS IRS LATE FILED CLM #11
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am21-17885 / MEHJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/19/2024 9:00 am
Total Paid In: $35,459.00
TRANSFERRED TO MEH
SV/JP MORGAN;
Matter ResolvedRequest
Adjourment
1611/13/2024 9:00 am21-18649 / MBKCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $5,881.00
amt: arrears cured; owes Nov & will complete timely<<>>

Debtor obj, will pay<> ARREARS
Matter ResolvedRequest
Adjourment
1711/13/2024 9:00 am21-19035 / MBKRobert Cameron Legg, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $32,470.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, pymts made<> NATIONSTAR/Birchwood Dr (LOGS)
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am21-19867 / MEHBruce C. Truesdale, Esq.Motion Relief from Stay (Fee)Continued
11/19/2024 9:00 am
Total Paid In: $11,080.00
TRANSFERRED TO MEH
M&T BANK/ Coville Dr (MCCALLA RAYMER)
Matter ResolvedRequest
Adjourment
1811/13/2024 9:00 am22-11124 / MBKJeffrey E. Jenkins, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $28,476.00
Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am22-11165 / MEHJOHN A LIPOWSKI ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/19/2024 9:00 am
Total Paid In: $78,232.00
TRANSFERRED TO MEH
Debtor obj, made pymt 10/18 and will pay another end Oct>ARREARS
Matter ResolvedRequest
Adjourment
1911/13/2024 9:00 am22-12070 / MBKRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $35,228.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj<>RUSHMORE/Hollywood Drive (FRIEDMAN)
Matter ResolvedRequest
Adjourment
2011/13/2024 9:00 am22-12181 / MBKPeter J. Broege, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $90,146.00
Debtor obj<>US BANK TRUST / Wilson Rd (ROBERTSON)
Matter ResolvedRequest
Adjourment
2111/13/2024 9:00 am22-12453 / MBKWarren D. Levy, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $103,584.00
amt: TR LTR REQUESTING CONDUIT<>

Debtor obj, will pay<>POLICE & FIREMAN'S RETIREMENT/NJHMFA - Walter Horner Court
Matter ResolvedRequest
Adjourment
2211/13/2024 9:00 am22-13002 / MBKRobert Cameron Legg, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $14,373.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, making pymt<> PHH/Seward Ave (RAS)
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am22-14391 / MEHScott E. Kaplan, Esq.Motion Relief from Stay (Fee)Continued
11/19/2024 9:00 am
Total Paid In: $21,876.00
TRANSFERRED TO MEH
Debtor obj, will pay<>TLOA OF NJ LLC /Colonial Ave (PELLEGRINO)
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am22-16885 / MEHJohn M. Kenney, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/19/2024 9:00 am
Total Paid In: $3,900.00
TRANSFERRED TO MEH
SV/SANTANDER/ ARREARS
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am22-16995 / MEHRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/19/2024 9:00 am
Total Paid In: $8,580.00
TRANSFERRED TO MEH
Closing is scheduled for 10/15 - ADJ to 11/13 (dm)

ADJ to 10/9 - short sale is scheduled to close on 9/23 (dm)
Debtor obj, under contract/filing mtn<>FAILED TO SELL SUNRISE ST PPTY BY 4/10/24
Matter ResolvedRequest
Adjourment
2311/13/2024 9:00 am22-17189 / MBKKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $5,625.00
AMT: MP 11/13--HOnOR ROLL

Debtor obj, filing MP<>SV/US BANK; FAILED TO LM BY 3/12/23, EXTENDED LOSS MIT EXPIRED 4/23/23
Matter ResolvedRequest
Adjourment
2411/13/2024 9:00 am22-17235 / MBKYakov Rudikh, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $6,522.00
Debtor obj, can make pymts<>RENAISSANCE GLEN/Landlord (HBER SILVER)
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am22-18878 / MEHNicholas Fitzgerald, Esq.Motion Relief from Stay (Fee)Continued
11/19/2024 9:00 am
Total Paid In: $10,022.00
TRANSFERRED TO MEH
PLANET HOME LENDING/Matawan Ave ( Padgett Law)
Matter ResolvedRequest
Adjourment
2511/13/2024 9:00 am22-19385 / MBKJohn Zimnis, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $10,244.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj<>SELENE FINANCE/Layatette Ave (Pincus)
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am23-10293 / MEHMarc C. Capone, Esq.Motion SellContinued
11/19/2024 9:00 am
Total Paid In: $7,320.00
TRANSFERRED TO MEH
ADJ by MBK to 11/13 - either short sale is approved, dismiss or MP to surrender (dm)

- Short Sale Negotiator informed potential buyer what price is needed for approval.
- Ken Borger - no authority to allow sale order unless there is short sale approval.

nfa

4th time on edc

US Bank obj (RAS)<>241 MIDLAND BLVD
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am23-10293 / MEHMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/19/2024 9:00 am
Total Paid In: $7,320.00
TRANSFERRED TO MEH
ADJ by MBK to 11/13 - either short sale is approved, dismiss or MP to surrender (dm)

- Trustee needs outcome of Motion to Sell and Cert of Default (Cert withdrawn.)

Debtor obj, pending offer<>FAILED TO COMPLETE SALE OF MIDLAND BLVD PPTY BY 5/15/24;
Matter ResolvedRequest
Adjourment
2611/13/2024 9:00 am23-11425 / MBKMarc C. Capone, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $12,810.00
CMG MTG /HEMLOCK sT(McCABE)
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am23-11478 / MEHRonald E. Norman, Esq.Creditor Certification of DefaultContinued
11/19/2024 9:00 am
Total Paid In: $14,120.00
TRANSFERRED TO MEH
Debtor obj, making pymts<> LAKEVIEW/Potter La (LOGS)
Matter ResolvedRequest
Adjourment
2711/13/2024 9:00 am23-11627 / MBKMelissa Wotton, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
1/29/2025 9:00 am
Total Paid In: $7,896.00
Debtor has Appealed the Order (Doc #87) Denying the Motion to Reconsider (dm)
ADJ by MBK to 10/9 (dm)
Pending Motion to Vacate Loan Mod Order (Stern Lav)

ADJ to 6/26/24 - Sale of property should close before the end of the week 6/14/24 (dm)

ADJ to 5/22 - we have enough funds on hand to pay out at 100% with no further payment - debtor has to either short sell the property or surrender (dm)

Debtor obj, made payment, filing MP to surrender<>ARREARS; FAILED TO COMPLY WITH SALE ORDER #60 FILED 12/21/23 TO PROVIDE HUD TO TRUSTEE
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am23-11659 / MEHLaurence R. Sheller, Esq.Creditor Certification of DefaultContinued
11/19/2024 9:00 am
Total Paid In: $29,878.00
TRANSFERRED TO MEH
AMT; TR LTR REQUESTING CONDUIT<>

Debtor obj, paying<> CARRINGTON/Laine Dr (Hill Wallack)
Matter ResolvedRequest
Adjourment
2811/13/2024 9:00 am23-11934 / MBKJames J. Cerbone, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $12,646.00
10/25 AMT: ARREARS CURED THROUGH OCT/PLAN WILL COMPLETE TIMELY<<>>


ADJ to 11/13 for $1,690 pending in TFS to clear per AR

Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment
2911/13/2024 9:00 am23-12029 / MBKDavid A. Semanchik, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
12/11/2024 9:00 am
Total Paid In: $51,300.00
Debtor may have a dispute with the mortgage POC arrears - Debtor Atty to reach to AR (dm)

Debtor obj, filing MP<>ARREARS
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am23-12363 / MEHRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/19/2024 9:00 am
Total Paid In: $34,237.00
TRANSFERRED TO MEH
Debtor obj, filing MP<>SV/LEGACY MTG
Matter ResolvedRequest
Adjourment
3011/13/2024 9:00 am23-13613 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
12/11/2024 9:00 am
Total Paid In: $18,000.00
Debtor obj, filed MP<>ARREARS
Matter ResolvedRequest
Adjourment
3111/13/2024 9:00 am23-13872 / MBKYakov Rudikh, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $9,793.00
Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment
3211/13/2024 9:00 am23-14687 / MBKBruce C. Truesdale, Esq.Creditor Certification of DefaultWithdrawnTotal Paid In: $7,107.00
amt: TR LTR REQUESTING CONDUIT<>

Debtor obj, made pymt<> MIDFIRST BANK/Farner Ave (Gross Polowy)
Matter ResolvedRequest
Adjourment
3311/13/2024 9:00 am23-16264 / MBKEric J. Clayman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $17,766.00
Debtor obj<>SV/AMERICREDIT
Matter ResolvedRequest
Adjourment
3411/13/2024 9:00 am23-16653 / MBKWarren S. Jones, Jr., Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $14,647.00
amt: TR LTR REQUESTING CONDUIT<>

Debtor obj, requests conduit recap<>WILMINGTON/Montrose La (ras)
Matter ResolvedRequest
Adjourment
3511/13/2024 9:00 am23-18231 / MBKFrances A. Tomes, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $22,221.00
Debtor obj, can resume pymts & requests recap<>PSECU/2013 mini cooper (WELTMAN)
Matter ResolvedRequest
Adjourment
3611/13/2024 9:00 am23-18380 / MBKRobert Manchel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $10,590.00
AMT; MP 11/13** HR

Debtor obj, filing MP<>FAILED TO LM BY 7/1/24; EXTENDED LOSS MIT EXPIRED 7/4/24
Matter ResolvedRequest
Adjourment
3711/13/2024 9:00 am23-18409 / MBKAndrew M. Carroll, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - ObjectionsTotal Paid In: $8,140.00
US Bank response (RAS)<>MTN TO EXPUNGE US BANK CLM#14
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am23-19168 / MEHYakov Rudikh, Esq.Motion Relief from Stay (Fee)Continued
11/19/2024 9:00 am
Total Paid In: $7,734.00
TRANSFERRED TO MEH
BANK OF AM (FRENKEL LAMBERT)
Matter ResolvedRequest
Adjourment
3811/13/2024 9:00 am23-19491 / MBKJames J. Romero, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $30,770.00
ADJ to 11/13 for $5,000 payment to post per AR

Debtor obj, filing MP<>ARREARS
Matter ResolvedRequest
Adjourment
3911/13/2024 9:00 am23-19605 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $2,550.00
Debtor obj, can make pymt & requests recap<>CREDIT ACCEPTANCE /2019 Chevy Equinox (EISENBERG)
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am23-19849 / MEHFrancis P. Cullari, Esq.Motion Dismiss CaseContinued
11/19/2024 9:00 am
Total Paid In: $9,002.00
TRANSFERRED TO MEH
DEBTOR MTN TO DISMISS
Matter ResolvedRequest
Adjourment
4011/13/2024 9:00 am23-20977 / MBKDouglas T. Tabachnik Objection to ExemptionsContinued
12/11/2024 9:00 am

Debtor respoonse<>TR OBJ TO AMD SCH C, IMPROPER EXEMPTION ON BANK ACCOUNT

TAKES $15,425 EXEMPTION ON THE CAPITAL ONE BANK ACCOUNT. DEBTOR ALREADY USED THE FULL D(1) EXEMPTION--ONLY $1475 WILDCARD IS REMAINING. There is $34,175 in the Capital One bank account not $17,000. The account is not in the wife's name, she has her own account. $32700 equity--ONLY $28,000 IF FILED UNSECURED CLAIMS SO IT WOULD BE 100%

DEBTOR CLAIMS SOME AROUND $24,000 IS FROM LOAN REPAYMENT ON GYM AND ANOTHER $10,000 WAS FROM FATHER IN LAW AS A LOAN (NOT LISTED ON SCHED)
Matter ResolvedRequest
Adjourment
4111/13/2024 9:00 am23-21087 / MBKGeorge E. Veitengruber, III, Esq.Motion Relief from Co-Debtor StayWithdrawnTotal Paid In: $3,622.00
BANK OF AM/Pemberton Browns Mills Rd (FRENKEL LAMBERT)
Matter ResolvedRequest
Adjourment
4211/13/2024 9:00 am23-21462 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $3,600.00
AMT; MP 11/13 ** <<>>

Debtor obj, filing MP<>ARREARS

(AMT: IF RESOLVED, LM PAST DUE 7/1/24)
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am24-10248 / MEHChristopher G. Cassie, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
11/19/2024 9:00 am

TRANSFERRED TO MEH
Trustee OBJ
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am24-10483 / MEHKevin C. Fayette, Esq.Trustee Certification of DefaultContinued
11/19/2024 9:00 am
Total Paid In: $5,995.00
TRANSFERRED TO MEH
Debtor obj, made pymt<> ARREARS
Matter ResolvedRequest
Adjourment
4311/13/2024 9:00 am24-10552 / MBKDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $2,970.00
amt: MP 11/13 <<>>

Debtor obj, filing MP<>FAILED TO LM BY 7/8/24
Matter ResolvedRequest
Adjourment
4411/13/2024 9:00 am24-11116 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $900.00
Debtor obj, filing mp to sell<>US BANK TRUST NAT'L ASSOC/Toms River Rd (PLUESE)
Matter ResolvedRequest
Adjourment
4511/13/2024 9:00 am24-12466 / MBKAndrew Thomas Archer, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition Filed
CREDITOR, MADISON TRUST, MTN AWARD ATTY FEES AND COSTS (GARY ZEITZ)
Matter ResolvedRequest
Adjourment
4611/13/2024 9:00 am24-13238 / MBKBrian Gregory Hannon, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $875.00
Debtor obj, filing MP<>HYUNDAI CAPITAL /2021 Kia Soul(EISENBERG)
Matter ResolvedRequest
Adjourment
4711/13/2024 9:00 am24-13356 / MBKCandyce I. Smith-Sklar, Esq.Notice of Request for Loss MitigationNo Opposition FiledTotal Paid In: $9,000.00
REQUEST FOR LOSS MIT/SHELLPOINT
Matter ResolvedRequest
Adjourment
011/13/2024 9:00 am24-14285 / MEHDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
11/19/2024 9:00 am

TRANSFERRED TO MEH
AMT: MP 11/19<<>>

Debtor obj, filing MP<>FAILED TO FILE MP; ARREARS
Matter ResolvedRequest
Adjourment
4811/13/2024 9:00 am24-14800 / MBKYakov Rudikh, Esq.Notice of SettlementOrder to be SubmittedTotal Paid In: $3,900.00
Trsutee obj<> NTC OF ROUNDUP PRODUCT LIABILITY SETTLEMENT
trustee to receive $1982 non exempt in 30 days EDC
Matter ResolvedRequest
Adjourment
4911/13/2024 9:00 am24-15035 / MBKPRO SEMotion to Vacate DismissalNeeds Resolution of Issues - Objections
Trustee OBJ
--Need all money
--The 341(a) Meeting was not held because the debtor did not provide all necessary documents to the Trustee prior to the 341(a) Meeting.
--The debtor's motion is untimely under F.R.B.P. 9023 (14 days).
---The debtor has failed to demonstrate newly discovered evidences as required by F.R.C.P. 59 as
made applicable by F.R.B.P 9023.


MTN TO REOPEN AND VACATE DISMISSAL
Matter ResolvedRequest
Adjourment
5011/13/2024 9:00 am24-15155 / MBKJeanie D. Wiesner, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $6,201.00
Debtor obj<>FLORENCE TOLLGATE CONDO (SIMEONE & RAYNOR)
Matter ResolvedRequest
Adjourment
5111/13/2024 9:00 am24-15243 / MBKRussell L. Low, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $2,970.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, made pymts<>FREEDOM MTG/columbus Ave (BROCK & SCOTT)
Matter ResolvedRequest
Adjourment
5211/13/2024 9:00 am24-15371 / MBKAllen I. Gorski, Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)Withdrawn
16 BLUE GRASS DR

conf also on 11/13/24. Plan proposes base w/ min 30,000 and sale by 6/1/25
-GUC claims total is $7,455.26- there is a small IRS claim
$425.66.
Sale K 360,000
-Anticipate closing by 11/15/24

>>>Motion requests that sale is free and clear of Mtg Lien of Bank of America. (2nd mtg and no claim was filed. So requesting free and clear w/ valid proven liens attached to sale proceeds
- Realtors and sp counsel for closing are are all retained

>>Order has pay balance of proceeds to TR and box checked to file a MP in 14 days
Matter ResolvedRequest
Adjourment
5311/13/2024 9:00 am24-15861 / MBKJoseph Casello, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $3,400.00
Debtor obj, made pymt<>WESTLAKE SERVICES/2017 Elantra (HLADIK ONORATO)
Matter ResolvedRequest
Adjourment
5411/13/2024 9:00 am24-16406 / MBKYakov Rudikh, Esq.Motion Relief from Co-Debtor StayNo Opposition Filed
US BANK NAT'L ASSOC/W. 5th Street (ROBERTSON)
Matter ResolvedRequest
Adjourment
5511/13/2024 9:00 am24-16677 / MBKRobert Cameron Legg, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition Filed
MTN TO MODIFY CLM#17/NJ MVC TO UNSECURED
Matter ResolvedRequest
Adjourment
5611/13/2024 9:00 am24-16906 / MBKJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition Filed
PLAN DEINED 9/11/24 AND FAILED TO FILE MP IN 14 DAYS
Matter ResolvedRequest
Adjourment
5711/13/2024 9:00 am24-17251 / MBKDaniel E. Straffi, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition Filed
LOSS MIT/SELENE FINC
Matter ResolvedRequest
Adjourment
5811/13/2024 9:00 am24-17322 / MBKCandyce I. Smith-Sklar, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objections
Debtor obj, will make pymt; objs to excessive atty fees<>SN SERVICING/Theresa St (FRIEDMAN)
Matter ResolvedRequest
Adjourment
5911/13/2024 9:00 am24-18631 / MBKDaniel E. Straffi, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition Filed
SPECIALIZED LOAN (STRAFFI)
Matter ResolvedRequest
Adjourment
6011/13/2024 9:00 am24-18979 / MBKMoshe Rothenberg, Esq.Motion SellWithdrawn
Everbank response (mcCabe Weisberg)>< ASPEN DR
Matter ResolvedRequest
Adjourment
6111/13/2024 9:00 am24-19037 / MBKSteven J. Abelson, Esq.Motion CompelNo Opposition Filed
DEBTOR MTN AGAINST BOA TO ENFORCE STAY, RELEASE LEVIED FUNDS, & DAMAGES
Matter ResolvedRequest
Adjourment
6211/13/2024 9:00 am24-19868 / MBKJoan Sirkis Warren, Esq.Motion Extend TimeRecommend Denial
If motion is not scheduled on Short Notice, the stay will expire before 11/13/24.

EXTEND STAY
Matter ResolvedRequest
Adjourment
6311/13/2024 9:00 am24-20185 / MBKFrancis P. Cullari, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition Filed
MTN TO CONTINUE STAY
Matter ResolvedRequest
Adjourment
6411/13/2024 9:00 am24-20326 / MBKJames J. Cerbone, Esq.Motion Impose Automatic StayNo Opposition Filed
MTN IMPOSE STAY
Matter ResolvedRequest
Adjourment
6511/13/2024 9:00 am24-20335 / MBKAndrew Thomas Archer, Esq.Motion Extend TimeNo Opposition Filed
EXTEND STAY
Matter ResolvedRequest
Adjourment
6611/13/2024 10:00 am19-12879 / MBKRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanRecommend DenialDebtor has made 26 of 69 required payments   Arrears: $43,070.00  Total Paid In: $128,845.00
ISSUES AS OF 11/5/2024 (DM):

1) Trustee OBJ:
- State of NJ filed $24,552.60 post-petition claim that includes estimated taxes for 2022 & 2023 not treated in the MP (UNRESOLVED.)
- MP improperly attempts to excuse arrears by not proposing to repay those arrears through the proposed plan.
- Debtors are ineligible to extend the Plan for the purpose of a proposed sale based upon the expiration of the CARES Act provisions of Section 1329(d).


Confirmed Case: $35,401 Ptd, $1,350 x 55, Base Plan.
- converted to Conduit by Order dated 10/5/22.
Prop. MP: Ptd, $1,456 x 17 start 10/1/24, Base Plan.
- sale of Knox Blvd within 6 months.
PTD = $128,845, Arrears $38,156 as MP filed.
Last Claim (26-1) dated 10/17/24.
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am19-22460 / SLMJonathan Stone, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $20,985.00
debtor obj<>NEW REZ/Birch St ( McCabe)

The Trustee takes no position
Matter ResolvedRequest
Adjourment
6711/13/2024 10:00 am19-30353 / MBKDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 71 of 61 required payments   Arrears: $0  
Total Paid In: $84,153.00
AS OF 11/6/24 (SF)

RECOMMEND $84,153 PTD, BASE PLAN; NO FUTHER PAYMENTS



1. The Plan proposes to pay $10,978.50 for next two months. Need to know the source from where the funds are coming from to make these large payments. Schedules I and J were not amended. RETIREMENT WITHDRAWALS

2. Trustee Motion to Dismiss scheduled for 9/25/24 at 9:00 a.m.


MP proposes $61,024 PTD, $10,978.50 X 2 BASE PLAN
Adds post petition arrears
Plan has run 59 months with 1 month remaining



Matter ResolvedRequest
Adjourment
6811/13/2024 10:00 am19-31701 / MBKMarc C. Capone, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 56 of 60 required payments   Arrears: $491.00  Total Paid In: $56,509.00
AS OF 10/30/2024 (at):

RECOMMEND: $55,507 PAID TO DATE, $1,250 X 2 BEGINNING 11/1/2024, BASE

MP proposes: $54,505 paid to date, $1,250 x 2, base
Arrears $513
(to surrender residence)
Matter ResolvedRequest
Adjourment
6911/13/2024 10:00 am21-11137 / MBKFrances A. Tomes, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 44 of 45 required payments   Arrears: $0  
Total Paid In: $15,228.00
AS OF 11/5/2024 (at):

RECOMMEND: $14,878 PAID TO DATE, $685 x 15 BEGINNING 12/1/2024, BASE WITH A MINIMUM OF $20,000 TO UNSECURED CREDITORS

Modified plan proposes: $89 x 2, $350 x 42 and then $654 x 16, sale of residence by July, 2024, $20,000 to unsecured creditors
Arrears: $350
Matter ResolvedRequest
Adjourment
7011/13/2024 10:00 am21-11818 / MBKRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 31 of 44 required payments   Arrears: $736.00  Total Paid In: $6,893.00
ISSUES AS OF 11/1/2024 (DM): updated 11/8/24.

***Debtor's MP amends the term to 54 months and the first payment in October was missed. TO CONFIRM, THE DEBTOR NEEDS $6,892.50 PTD, THEN $216 x 10 STARTING 12/1/24, BASE PLAN, $900 SUPPLEMENTAL FEE APP SHALL BE FILED WITHIN 7 DAYS***


Confirmed Case: $4,716.50 Ptd, $224 x 29, Base Plan.
Prop. MP: Ptd, $160 x 12 start 10/1/24, Base Plan.
- Loan Mod complete.
PTD = $6,892.50, Arrears $672 as MP filed.
Last Claim (11-3) dated 7/7/23.
Matter ResolvedRequest
Adjourment
7111/13/2024 10:00 am21-14200 / MBKRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 40 of 42 required payments   Arrears: $602.00  Total Paid In: $22,618.00
ISSUES AS OF 11/1/2024 (DM):

***If paying in accordance with previous order, THE DEBTOR NEEDS $22,050 PTD, THEN $617 x 19 STARTING 11/1/24, BASE PLAN, $900 FEE APPSHALL BE FILED WITHIN 7 DAYS***

1) MP provides $23,219 secured paid-in-full treatment to Capital One Auto Finance on 2015 Chevy Silverado - Order, dated 12/10/21, provides for a total payment of $24,595 (PAY PER ORDER??)


Confirmed Case: $6,180 Ptd, $568 x 48, Base Plan.
Prop. MP: Ptd, $515 x 12, $568 x 27, $587 x 21, $0 Plan.
- Loan Mod complete.
PTD = $22,050, Arrears $602 as MP filed.
Last Claim (10-2) dated 7/1/22.
Matter ResolvedRequest
Adjourment
7211/13/2024 10:00 am22-17189 / MBKKevin C. Fayette, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 25 of 26 required payments   Arrears: $225.00  Total Paid In: $5,625.00
AS OF 10/30/2024 (at):

RECOMMEND: $5,625 PAID TO DATE, $225 x 11 BEGINNING 11/1/2024, BASE
Stay vacated/debtor free to seek loan modification outside of the bankruptcy. Trustee will not pay on the claim.

MP proposes: $225 x 36, base
Arrears $0
(Mortgage Company gained relief from the automatic stay in August, 2024. Debtor is still trying to work out loan modification
outside the Bankruptcy plan.)
Matter ResolvedRequest
Adjourment
7311/13/2024 10:00 am22-17601 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 25 of 26 required payments   Arrears: $340.00  Total Paid In: $8,500.00
As of 10/25/24(mk);


**CAN REC CONFIRM AT $8500 PTD Then $340 x 35 begin 11/1/24 Base**



MP proposes:$340 X 60; BASE
PP ARRS TO BE PAID TO ALLY FINC (2,968.41 as per order
at doc #29
PLAN has run 25 mos and 35 remain


Case prev confirmed at
$340 X 60 BEG 10/1/22 ; BASE $20,400 ; ATTY FEE $3,325/$4,750 ;
Trustee shall pay the arrearage amount of $1,949.81 to Ally Capital, claim 17-1.
Matter ResolvedRequest
Adjourment
7411/13/2024 10:00 am23-10799 / MBKAllen I. Gorski, Esq.Confirmation Hearing ScheduledRecommend Reconversion to Ch. 7Debtor has made 3 of 13 required payments   Arrears: $2,000.00  
ISSUES AS OF 11/4/2024 (DM):

***No commitment shown by debtor to make Trustee payment while PI claim is pending - RECOMMEND RECONVERSION TO CH. 7***

 8/27/24 - Chambers reviewed Doc #94 and directed the debtor to file a MP and Certification in Support of Confirmation.

 ADJ 7/10/24 Peremptory - Atty wants to get documentation regarding paying DSO directly outside the plan (UNRESOLVED.)

1) Trustee OBJ:
- Part 5a of the MP is not completed.
- MP fails to treat $9,945 attorney fee & cost awarded to counsel for Chapter 7 Trustee.
- Need proof of income for new employment referenced in Part 9 of MP.
- Need amended Sch I for new employment referenced in Part 9 of MP.
- Plan is not feasible - Plan only proposes $200 x 36 months plus speculative PI claim - minimum funding for the plan consists of $3.6k claim for Chapter 7 Trustee fees, $9.9k claim for Atty representing Ch 7 Trustee, and $8.7k Debtor Atty fee plus Trustee comp.
- Must file Chapter 13 Attorney Disclosure form (UNRESOLVED.)
- Need to amend Sch B & C to add bank acct shown on debtor's old pay stubs (UNRESOLVED.)
- Debtor has not made a payment since April. Case should be reconverted to Ch. 7.

***RESOLVED ISSUES***

 ADJ to 5/8 Peremptory to address feasibility (UPDATED PAY STUBS RECEIVED 4/30/24 SHOWING $579 IN MONTHLY DISPOSABLE INCOME.)

 ADJ by MBK to 3/13/24 - Atty to provide updated with respect to tax issue (gas tax credit.) Note that as of 2/14/24, the tax return has not been amended and the debtor has not received the $30k tax refund (TAX RETURN WAS AMENDED 3/6/24 - dm)

A) Trustee OBJ:
- 2022 tax refund $30,215 not listed on Sched I as income (see Ch. 7 Trustee Doc #34. Tax return was amended 3/6/24.)
- Disposable income verifies at $460/month, plus prorated tax refund of $30,215 ($2,517.91/month) results in $2,978 monthly disposable income (HAVE TAX RETURNS BEEN AMENDED? WHERE IS THE $30k REFUND? Tax return was amended 3/6/24.)
- Need 2 months bank statements from acct#6984 shown on pay stubs
Matter ResolvedRequest
Adjourment
7511/13/2024 10:00 am23-13043 / MBKPeter E. Zimnis, Esq.Final Confirmation HearingContinued
1/29/2025 10:00 am
Debtor has made 17 of 19 required payments   Arrears: $1,400.00  Total Paid In: $11,700.00
NFA-ADJ FROM JULY FOR FINAL CALCULATIONS PER PRIOR CONSENT ORDER
10/30 Workup for the 11/13 calendar EDC


--debtor wants to wait to conclusion of the Ryland (17-29060) to see if mortgage was paid. -MORTGAGE WAS PAID $30,658.27 IN THE RYLAND CASE AND IS IN CLOSING AUDIT PHASE


--------------------------------
RECOMMEND: $4,600 PAID TO DATE, $1,211 x 53 BEGINNING 12/1/2023, 100% PLAN
The trustee shall not pay Nationstar Mortgage claim 19-1 through the plan unless otherwise ordered
The debtor shall sign up for ewage automatic deductions within 7 days
Preserve non exempt equity of $63,821.00 in real property.


$4600 paid then 800 x 10 beg 12/1/23 then 1332 x 47 beg 10/1/24-100%(min. 63,821 due to equity)--the trustee shall not pay Nationstar Mortgage claim 19-1 through the plan unless otherwise ordered---the debtor shall sign up for ewage automatic deductions within 7 days


**CANNOT CONFIRM UNTIL MOTION DEBTOR PUT ON EWAGE AND PRE-CONF CERT FILED(why is this still not filed?)

* 2 PAYMENTS ARREARS-NEEDS EWAGE

**Midland funding filed objection to motion to expunge it's claim. Midlands claim was filed as a guc but 100%. Needs to be resolved.


** Trustee's objection:
- Need to file Pre-Confirmation Certification with Court. (NOT FILED)

MP $3000 PTD; $800 X 12; ? ; 100%
----------------------
RESOLVE ISSUES:
- As of 3/24/2023, the Chase #5551 account ending balance is $1,085.33. Need to amend Schedules A/B and C. (NOT AMENDED BUT 100% PLAN)
1. Credit Acceptance filed a bifurcated claim #6 (2008 Cadillac) which is not in the plan and needs to be resolved.(NO OBJECTION TO MOTION TO EXPUNGE)

2. Objection filed by Nationstar Mortgage (LOGS) to MP - loan matures during the bankruptcy and plan is silent as to creditors claim in the amount of $16,711.83. (OTBS trustee will not pay)
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - need renewal for residential property, policy provide
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am23-13281 / MEHMelinda D. Middlebrooks, Esq.Confirmation Hearing on Modified PlanContinued
11/19/2024 10:00 am
Debtor has made 17 of 19 required payments   Arrears: $265.00  Total Paid In: $2,754.00
TRANSFERRED TO MEH
Mk: amended I & J filed (#74)on this plan(#75) which is now on Judge Hall's 11/19/24 calendar

as of 10/14/24(mk): MP #75 filed and on for 11/13/24 so this plan is DENIED


----------------------
NS
As of 9/24/24(mk):Updated

1. Stay Relief Motion on 9/25/24.

2. Objection Filed by Land Home Financial( Brock & Scott):
-sale plan speculative

3. Trustee Objection:
No amended I & J or current POI was provided w/ MP and need 2023 tax return


MP proposes PTD The 162 x 31 Base sale of real property 6 mos form conf.
Plan has run 17 mos and 19 remain


---------------
Old plan was LM.
Matter ResolvedRequest
Adjourment
7611/13/2024 10:00 am23-13896 / MBKMelinda D. Middlebrooks, Esq.Confirmation Hearing on Modified PlanRecommend Modified Plan be DeniedDebtor has made 17 of 18 required payments   Arrears: $414.00  Total Paid In: $59,316.00
AS OF 11/7/24 (SF)


There is no basis to reduce payment. Schedules I and J were not amended and no updated proof of income provided.


MP proposes $1500 x 3; $3562 x 13; $3355 x 44 BASE W/MIN $174,787 TO GUCS
Plan has run 18 months with 42 months remaining




Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am23-16286 / MEHStacey L. Mullen, Esq.Confirmation Hearing on Modified PlanContinued
11/19/2024 10:00 am
Debtor has made 15 of 16 required payments   Arrears: $6.00  Total Paid In: $18,590.00
TRANSFERRED TO MEH
Matter ResolvedRequest
Adjourment
7711/13/2024 10:00 am23-17941 / MBKHerbert B. Raymond, Esq.Confirmation Hearing on Modified PlanContinued
1/29/2025 10:00 am
Debtor has made 13 of 14 required payments   Arrears: $143.00  Total Paid In: $5,900.00
updated 11/4/2024 (JMA)
issues as of 11/1/2024 (JMA)

1) Modified plan now proposes 100% plan. Loan modification was denied.
2) Need updated proof of income to demonstrate debtors ability to make higher tier payments ($1,500x12 and $7,090x35).
3) Disosable income as of the original filing was only $441.28
4) Part 9 of the plan states "Loan modification efforts have failed {The lender would not provide a modification under the circumstances}, so the plan is being changed to call for an arrearage cure. Plan provides for payment of pre-petition mortgage arrears and post-petition arrears, representing the difference between the adequate protection/loss mitigation payment and the contract called for payment. Increase in plan payments premised on both the Debtor and her daughter obtaining additional employment and son also providing a significant contribution".

proposed plan $419.23x13, $1,500x13, $7,090x35 100% plan
paid in $5,900
arrears $143
46 months to go
Matter ResolvedRequest
Adjourment
7811/13/2024 10:00 am23-18380 / MBKRobert Manchel, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 13 of 14 required payments   Arrears: $820.00  Total Paid In: $10,590.00
ISSUES AS OF 10/30/2024 (DM): Atty accepts terms

***In order to fund the plan, THE DEBTOR NEEDS TO CONFIRM AT $10,590 PTD, THEN $1,509 x 47 STARTING 11/1/24, BASE PLAN, STRIKE PLAN TREATMENT TO BERKELEY TOWNSHIP, THE TRUSTEE IS AUTHORIZED TO PAY BERKELEY TWP SEWERAGE AUTHORITY $87.58 PRIORITY POC (38-1) AND BERKELEY TWP $1,259.92 SECURED POC (37-1), STRIKE PLAN TREATMENT TO CAPITAL ONE AUTO FINANCE***

1) MP provides $10 arrears treatment to Capital One Auto Finance on 2012 Toyota Tacoma - no POC filed by the creditor (STRIKE??)

2) MP provides $1,259.92 secured treatment to Berkeley Twp Sewage Authority - creditor only filed a $87.58 priority claim and the Twp tax authority filed $1,259.92 secured claim (PAY CLAIMS AS FILED??)


Confirmed Case: $810 x 60, Base Plan.
- Loan Mod by 7/1/24.
Prop. MP: $8,950 Ptd, $820 x 48, Base Plan.
- Loan Mod removed.
PTD = $10,590, Arrears $0 as MP filed.
Last Claim (38-1) dated 3/13/24.
Matter ResolvedRequest
Adjourment
7911/13/2024 10:00 am23-20977 / MBKDouglas T. Tabachnik Confirmation Hearing on Modified PlanContinued
12/11/2024 10:00 am
Debtor has made 5 of 12 required payments   Arrears: $24,835.00  
11/4 workup for the 11/13 calendar

-NOTHING RECEIVED SINCE LAST TIME. LOTS OF ISSUES BUT THERE IS EQUITY IN THE BANK ACCOUNT OF $32,700 AND ONLY $28,000 IN UNSECURED CREDITORS SO IT NEEDS 100% ANYWAY

**CAN CONFIRM AT $15,865 PAID THEN $4583 X 50 BEG. 10/1/24 WITH MIN OF $32,700 DUE TO UNSECURED CREDITORS--PRO RATA--- Attorney must file a Fee App within 7 days of confirmation.

1) State of NJ Timothy Kawira, Esq) OBJs - plan fails to provide for full payment of $31,651.95 priority claim (OKAY TO PAY PER CLAIM??)

2) MP provides for interest on Ally Financial and Gregory Funding claims without a consent order. Creditors routinely return the overpayment without a consent order (PAY PER CLAIM??)

3) Need explanation for $2,500 income reflected on amended Schedule I for repayment of loan from NJ Premier All-Star Training. PER CERT THE DEBTOR TOOK OUT LOAN OF APPROX $212,000 IN APRIL OF 2022 AND GAVE LOAN TO HIS WIFES BUSINESS NJ PREMIER. THIS WAS DURING THE LAST BANKRUPTCY WITHOUT COURT APPROVAL AND NO NOTICE. THE LOAN IS NOW DUE AND DEBTOR IS MAKING $2500 LOAN REPAYMENT. DEBTOR IS ALSO RECEIVING $2500 A MONTH FROM NJ PREMIER TO PAY BACK THE LOAN ---THE LOAN CREATED OBLIGATIONS TO THE IRS AND NJ FOR $100,000 AND $30,000--THE WIFE HAS NOT RECEIVED ANY INCOME FROM THIS BUSINESS SO THE ESTATE HAS NOT RECEIVED ANY BENEFIT ONLY AN ADDITIONAL $130,000 IN OBLIGATIONS

*DEBTOR AND WIFE ARE PAYING $552 FOR DAUGHTERS CAR PAYMENT

4) Trustee OBJ:
- debtor took out $212,000 loan during previous bankruptcy without court approval
- STILL NEED YEAR TO DATE NJ PREMIER P&L--received-SHOWS $67,664 IN WAGES PAID AND $90,688 IN NET INCOME
- Still need JANITOR INCOME
-$743 MONTHLY FOR PHONE AND CABLE FOR A FAMILY OF 4
- Need amended Sch C -FILED BUT TAKES $15,425 EXEMPTION ON THE CAPITAL ONE BANK ACCOUNT. DEBTOR ALREADY USED THE FULL D(1) EXEMPTION--ONLY $1475 WILDCARD IS REMAINING. There is $34,175 in the Capital One bank account not $17,000. The account is not in the wife's name, she h
Matter ResolvedRequest
Adjourment
8011/13/2024 10:00 am23-21198 / MBKCarol L. Knowlton, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 18 of 11 required payments   Arrears: $4,800.00  
ISSUES AS OF 11/5/2024 (DM):

1) SN Servicing/US Bank (Friedman Vartolo) OBJs - $83,590.17 arrears on London Dr property. Plan is dependent on speculative sale of Lilac Ct property (UNRESOLVED.)

2) First Investors filed $356.65 arrears claim on 2017 Nissan Maxima (OKAY TO PAY??)

 Per last Hearing, need updated CMA's for both properties with comparatives sold within six months of filing (DONE.)
--- Lilac sold for $290,000 - received balance from sale.
--- London Dr has equity of $32,054 per updated CMA showing median of $589,000.

3) Trustee OBJ:
- The debtor has failed to file a feasible plan - need a Trustee payment estimated at $3,247 to fund the plan (UNRESOLVED.)

- Excessive Expenses: #6a-electricity $500, #6c $465, Auto insurance $525 (much higher per proof, auto insurance verifies $879 and $39 for motorcycle total $918), Car and motorcycle loans $356 and $475 (motorcycle is 16 years old with a balance $15,354) and 2nd property expenses total $1,455. Son's contribution affidavit has $1,350, Sch I has $1,300, plus no proof of income to verify from son (AMENDED SCH J REMOVES EXPENSES FOR 2nd PROPERTY BUT TRANSPORTATION WENT FROM $0 TO $900).

- Need to file Pre-confirmation certificate (UNRESOLVED.)
- Must file Fee App within 7 days of confirmation.
- Need to add to confirming order non-exempt proceeds from 2 PI lawsuits.

***RESOLVED ISSUES***

 Sale contract out of Atty review - Atty ready to file sale motion - ADJ to 9/25/24 ([ROPERTY SOLD.)

A) State of NJ filed $8,867.67 secured claim not treated in the Plan (PAID AT SALE.)

B) Sixty Acre Condo Assn (McGovern Legal Services) OBJs - plan fails to address $23,950.03 secured claim on Lilac Ct property (PAID AT SALE.)

C) US Bank (RAS) obtained stay relief on Lilac Ct property 6/2/24 - MP proposes a sale by 9/30/24 to fund the plan (PAID AT SALE.)

D) Trustee OBJ:
- Need updated auto insurance - expires 2/15/24 (RECEIVED.)
- Need to retain special counsel for the PI case (FILED.)
- Need proof of income fro
Matter ResolvedRequest
Adjourment
8111/13/2024 10:00 am23-21462 / MBKDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 2 of 11 required payments   Arrears: $9,400.00  Total Paid In: $3,600.00
as of 11/1/2024 (JMA)

ok to confirm at $3,600 paid to date, $400x49 begin 12/1/2024 base plan with sale by 4/1/2025
-Trustee to receive non-exempt equity from sale of property
-low base plan until sale has been completed

proposed plan $3,200 paid to date, $400x50 base plan with sale 4/1/2025
paid in $3600
49 months to go in plan
Matter ResolvedRequest
Adjourment
8211/13/2024 10:00 am24-10552 / MBKDonald C. Goins, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 6 of 10 required payments   Arrears: $1,100.00  Total Paid In: $2,970.00
AS OF 11/7/24 (SF) Per atty, new modified plan just filed on 11/8/24.

1. Previous plan was confirmed at 100% w/min div of $66,680 to gucs per 122C. There is no basis to remove 100% and reduce payment. Schedules I and J were not filed and updated proof of income was not provided.

2. Trustee motion to dismiss scheduled for 11/13/24 at 9 am.



MP proposes $330 x 8; $375 x 40; Base Plan; Loan Mod by 3/31/25
Plan has run 10 months with 38 months remaining
Extends Plan and Adjusts Trustee payment




Matter ResolvedRequest
Adjourment
8311/13/2024 10:00 am24-11116 / MBKDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 9 of 9 required payments   Arrears: $0  
Total Paid In: $900.00
updated 11/8/2024 (JMA)
issues as of 11/1/2024 (JMA)

1) Motion for Relief From Stay to be heard 11/13/2024 - need outcome
2) To date motion to approve sale of property has not been filed.
3) Modified plan filed 9/18/2024 proposes sale by 12/31/2024, if sale approved, ok to confirm at $100x36 100% plan with sale of property by 12/31/2024

proposed plan $100x36 100%
paid in $800
arrears $100
last claim 2-1
Matter ResolvedRequest
Adjourment
8411/13/2024 10:00 am24-11287 / MBKAndrew M. Carroll, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 7 of 9 required payments   Arrears: $1,830.00  Total Paid In: $14,800.00
AS OF 11/8/2024 (at):

1. Need a consent order for trustee to make adequate protection payments to Midlantic Auto Finance.

2. Claims will be paid according to the trustee's order of distribution.

MP proposes: $2,375 x 53 beginning 10/1/2024, no unsecured claims filed
Arrears $1,830
Matter ResolvedRequest
Adjourment
8511/13/2024 10:00 am24-12134 / MBKKirsten B. Ennis, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 9 required payments   Arrears: $2,850.00  Total Paid In: $2,050.00
AS OF 11/7/24 (SF)

1. Modified plan proposes to add a lien on property for (Goodleap) which reduces the amount of nonexempt equity and lowers monthly payment. There is no proof that this is a lien on the property and the creditor did not file a claim. Debtor only provided a copy of a statement that is in Spanish. Also, the nonexempt equity was determined at the original confirmation hearing.


MP proposes $1550 PTD, $250 X 29 BASE
Plan has run 9 months
Arrears: $3100

Matter ResolvedRequest
Adjourment
8611/13/2024 10:00 am24-12426 / MBKPeter E. Zimnis, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 8 required payments   Arrears: $4,000.00  
11/1 workup for the 11/13 calendar EDC

IRS estimated priority 2023


*THE TRUSTEE NEEDS UPDATED YEAR TO DATE INCOME FOR 2024 THROUGH OCTOBER 31ST EDC

1) Trustee objection to confirmation:
- The debtor has failed to file a feasible plan - plan speculative. Very large claims from taxing authorities

- -Excess expenses schedule J, utilities $550; spouse debt $500/month need supporting documentation

- -there is $76,519.25 non-exempt equity in the Investors Bank / Investment account -there is $3,410 non-exempt equity in PSEG shares -TOTAL NON-EXEMPT EQUITY $79,892

- PNC Bank (Martone) objection to confirmation - need to resolve

-negative income, plan not feasible--*THE TRUSTEE NEEDS UPDATED YEAR TO DATE INCOME FOR 2024 THROUGH OCTOBER 31ST EDC

-multiple filings-DISMISSAL SHOULD HAVE ONE YEAR BAR TO FILING

** Need to file Pre-Confirmation Certification with Court

-low base --loan mod by 12/31/24 per consent order

proposed plan $4,000x60 loan mod by 12/31/2024 minimum $80,000 to gucs

----------------------
RESOLVED
NJ estimated priority 2023--OK AMENDED

- The debtor has failed to supply the Trustee with the following document (s): A copy of the last filed tax return - 2023- FILED AND DEBTOR MADE $400,000 LAST YEAR
- The debtor has failed to supply the Trustee with the following document (s): A copy of the last filed tax return - 2023- FILED AND DEBTOR MADE $400,000 LAST YEAR
Matter ResolvedRequest
Adjourment
8711/13/2024 10:00 am24-12466 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 8 of 8 required payments   Arrears: $0  

As of 11/5/24(mk): CASE IS 8 MOS OLD

PLAN IS NOT FEASIBLE W/O A SALE . CLAIMS IN CASE WAY HIGHER AND NOT PROVIDED FOR IN THE PLAN

back in Sept: Need update on issues below (atty says debtor son wants to purchase property and applying for a mtg loan- adj to 11/13 PEREMPTORY

>>WHAT IS STATUS ON SALE OF ST. MIHIEL COMMERICAL PROP? 8/12/24 (sf) - Per atty, there are no current offers. There is 1 potential buyer and they are working on getting a reasonable offer. See email attached

>>MOTION FOR CREDITOR ATTY FEES (2,381.50)ON 11/13/24

1. OBJ. By MADISON TRUST(Zeitz):
-plan does not provide for payment in full of 73,742.26
- Plan not feasible.
MK: Plan has 7,803 to US BANK/Custpro Cap for Maple ave- CLAIM FILED FOR 73,742.26 FOR RE TAXES

2. Plan pays from sale of St Mihiel Drive (commercial prop)- Riverside T'ship and Foundation Services Inc.- no claims file by these creditors - Is prop in the ESTATE name still? (Per atty: The Deed to the St. Mihiel Drive property that was submitted states that the debtor and his brother John Graham are the owners. However, John Graham is deceased. See death certificate submitted.)

3. There are 3 claims filed by Riverside Township ( #6-1,7-1 and 8-1 that are for a tax lien. utilities and RE taxes) NONE OF THESE FILED SECURED CLAIMS ARE IN THE PLAN

4. Trustee objection:
- All non-exempt funds necessary to fund plan at 100% should be paid to Trustee.
As of now there is $120,407 equity in Maple Ave prop and $507,686 equity in Saint Mihiel Drive property. (PLAN IS 100%)

Plan:$274 X 60; SALE W/IN 7 MO(261 ST MIHIEL DR); 100%
7/7payments

---------------RESOLVED------------
IRS filed APOC- no longer estimated
St OF NJ filed APOC
2023 tax return(Provided)
Matter ResolvedRequest
Adjourment
8811/13/2024 10:00 am24-13851 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 6 of 7 required payments   Arrears: $1,340.00  
AS of 10/30/24(mk):


**CAN REC CONFIRM AT $7,484 PTD THEN $1,340 X 54 BEGIN 11/1/24 100%. Preserve equity T/H of 68,800 in real property. Debtor to provide updated proof of income 6 mos from confirmation**



Plan:$6138 PTD; $1340 X 54; 100%
6/6 payments
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-14285 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0  

TRANSFERRED TO MEH
Matter ResolvedRequest
Adjourment
8911/13/2024 10:00 am24-14287 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 11/7/24 (SF)

Trustee objection:

- Need Domestic Support Obligation information (STILL NEED DSO INFORMATION SHEET AND CHILD SUPPORT ORDER)

- Need a copy of the last filed tax return - 2023 (RECEIVED - TAX REFUND IS $7154. DISPOSABLE INCOME IS NOW $1451)

- Need to provide one statement and Certification showing support payments in date order

-Excess expenses on Schedule J - $222/motorcycle, this is a luxury; $650/transportation 1
person - need to provide supporting documentation for the transportation expense 10 days before confirmation hearing.

-Income for debtor using all paystubs provided results in higher disposable net income in the amount of $907.63.

-Need to provide Trustee with bank statements from May 2024 to August 2024 for the Police/Fire Federal Credit Union account. The statements provided are for 2023. Debtors filed in April 2024.



Plan proposes $200 x 36 Base
Payments: 4/4


RESOLVED:

-The Schedules fail to account for the debtor(s) tax refund in the amount of $630 when
determining disposable income.
-Need to file Pre-Confirmation Certification with Court. (FILED)
-Need to provide Trustee with bank statements for the Republic Bank account from May 2024 to August 2024. Only provided March and April 2024 statements. (RECEIVED)
Matter ResolvedRequest
Adjourment
9011/13/2024 10:00 am24-14361 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 7 required payments   Arrears: $1,500.00  
As of 11/5/24(mk): 4/7 payments (arrears $1500)

Loss Mt EXPIRED in Sept.
arrears $1,000 4/6 payments


Atty says appraisal was submitted for value(done 12/21/23- value 610,000- ZILLOW now has it at 818,000) MK- issue is that says not any recent comparables. .


1. Trustee objection:
- insufficient income Verified income leaves -2,284
-CMA IS OLD- need update w/ comparables w/in last 6
mos. Zillow values prop at over 818,000 and NE equity
would be over 181,000.
-There is 72,000 in non exempt equity in the personal
injury suit
negative dispos. income and still estimated tax claims - feasibility is an issue not sure how they are funding the second tier.

PLan: $500 X 12; $3000 X 48; LM 11/1/24 (8 NATURE BLVD);N/E FROM PI CASE; BASE
4/7 payments


-------------------RESOLVED-----------------------
Note - Post 341 Misc Docs uploaded 8/14/24 - SSI and PI Settlement letter (dm)

MK: order submitted 8/19/24 resolving objection by US Bank(RAS) Terms= complete Loss Mit by 9/9/24 or as extended by CT Order. TR TO PY ARREARS PENDING LM

ESTIMATED TAX CLAIMS FOR ST OF NJ AND IRS(APOC filed)

Matter ResolvedRequest
Adjourment
9111/13/2024 10:00 am24-14783 / MBKVera Fedoroff, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 6 required payments   Arrears: $468.00  
ISSUES AS OF 10/2/2024 (DM): waiting for amended POC to be filed.

 9/26/24 MBK Order - NewRez shall file an amended POC within 45 days (due 11/10/24.)

 8/2/24 (DS): Debtor Atty requested ADJ to allow time to resolve motion to modify NewRez claim.

1) NewRez/Shellpoint (LEOPOLD & ASSOC.) OBJs - $34,646.95 arrears on Beacon St property (UNRESOLVED.)

2) Trustee OBJ:
- Debtor has insufficient income.
- Need service to Discover Bank - service completed 5/20/24 serves Discover Products Inc c/o CT Corp does not serve Discover Bank (ALSO SERVED AT ADDRESS IN POC.)

Note: Debtor's Cert provided for 2004 Dodge. 401(k) loan balance payment $346 ends in month 18. Moot due to income contribution.


Prop. Plan $468 x 60, Base Plan.
PTD 4/5 = $1,872
Last Claim (6-1)
Matter ResolvedRequest
Adjourment
9211/13/2024 10:00 am24-15357 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 6 required payments   Arrears: $3,219.00  
ISSUES AS OF 11/4/2024 (DM):

1) IRS filed $6,691.64 priority claim that includes estimated taxes for 2022 not treated in the plan (UNRESOLVED.)

2) State of NJ filed $563.41 priority claim that includes estimated taxes for 2022 not treated in the plan (UNRESOLVED.)

3) Trustee OBJ:
- Debtor has insufficient income.
- Debtor has failed to file a feasible plan.
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $777 x 3, $1,850 x 57, Base Plan.
PTD 4/6 = $4,662
Last Claim (3-1)
Matter ResolvedRequest
Adjourment
9311/13/2024 10:00 am24-15371 / MBKAllen I. Gorski, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 5 of 6 required payments   Arrears: $100.00  
11/4 Workup for the 11/13 calendar EDC

- to date Trustee has not received updated listing agreement-MOTION TO SELL WITHDRAWN. WHERE IS THIS GOING?

1) New Rez LLC d/b/a Shellpoint Mortgage (Hill Wallack) objection to confirmation - need to resolve
- Total claim $267,247.16 with arrears in the amount of $72,248.67

2) Trustee objection to confirmation - need to resolve
- -Bank of Princeton Balance as of 4/30/2024 was $40,637.99 therefore there is $25,212.99 non-exempt equity in the account.
- There is $13,444.99 non-exempt equity in the debtor's home. Total non-exempt equity is $38,657.98 - plan only proposes to pay $30,000 to GUCs.
- This is a sale plan - debtor must pay all non-exempt equity from the sale into the plan.

proposed plan $100X60 with minimum $30,000 to guc and sale of property by 6/1/2024

--------------------
RESOLVED
- A copy of the homeowner's insurance renewal declaration - policy provided expired 9/9/2024, provide updated policy before confirmation hearing.
Matter ResolvedRequest
Adjourment
9411/13/2024 10:00 am24-15373 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 6 required payments   Arrears: $1,500.00  
As of 11/6/24(mk):updated

**CAN REC CONFIRM AT $7,500 PTD THEN $,1500 x 54 Begin 12/1/24 BASE W/ MIN TO GUCS OF $25,279 due to equity in real property. Need to file Pre-Confirmation Certification. Debtors' attorney must file a fee application with 7 days of the entry of the order confirming the plan. Student Loans outside. File amended schedule C with in 10 days confirmation***


1. Trustee objection:
-Need to file Pre-Confirmation Certification.
-Debtors' attorney must file a fee application with 7 days of the
entry of the order confirming the plan.

Plan;$1500 X 60; BASE STD LOANS OUTSIDE
5/6 payments


--------------------
-Need CMA for Philippine property.
-NEED copy of the homeowner's insurance renewal declaration -
for Philippine property.
-Need copy of the deed - for Philippine property.





Matter ResolvedRequest
Adjourment
9511/13/2024 10:00 am24-15478 / MBKRobert C. Nisenson, Esq.Confirmation Hearing on Modified PlanRecommend DenialDebtor has made 4 of 6 required payments   Arrears: $225.00  
Recommend Denial - MP has been filed and is scheduled for 11/27/24 (dm)
ISSUES AS OF 11/4/2024 (DM):

1) IRS filed $9,130.77 priority claim that includes estimated taxes for 2021 (UNRESOLVED.)

2) Trustee OBJ:
- Need proof of income for April & May 2024 (RECEIVED CERT OF DEBTOR - HE RECEIVED UNEMPLOYMENT FOR APRIL AND HAD NO INCOME IN MAY. HE IS NOW EMPLOYED IN CONNECTICUT - NEED UPDATED PAY STUBS.)
- Excessive Expenses: $1,025 transportation. Need proof of excessive expense 10 days prior to confirmation (UNRESOLVED.)
- Tax refund of $1,415 was not prorated and included in disposable income calculation.
- Verified income leaves monthly disposable income of $320 after prorated tax refund.
- Debtor has failed to provide proof of service with respect to Plan Motions (MOOT- MP IS A CURE PLAN.)


Prop. Plan $200 x 5, $265 x 55, Base Plan.
PTD 4.5/6 = $840
Last Claim (13-1)
Matter ResolvedRequest
Adjourment
9611/13/2024 10:00 am24-15652 / MBKKirsten B. Ennis, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 5 of 5 required payments   Arrears: $0  

RECOMMEND DISMISSAL HOLD FEES
11/1 workup-SAME AS LAST TIME BUT FEE APPLICATION FILED ON FOR 11/17 EDC

LM WAS DENIED-NEED TO APPEAL OR ELSE CASE IS NOT FEASIBLE
As of 9/19/24 (DS): 1. Trustee obj to the following:
- Sched J has excessive expenses: $250 Home maintenance and $1,250 Food.
- Disposable income verifies $3,851.
- There is non-exempt equity in the residence $133,198.52. Bar date has passed and no unsecured claims filed.

2. SPS (KIMBERLY WILSON) obj to loan mod and arrears not paid pending loan mod. Also loss mit order was to complete loan mod by 9/10/24, which has expired. Must resolve obj.

3. Plan does not propose to pay mortgage arrears, only attorney fees to be paid $3,813, plus Trustee comp.

Prop Plan $250 x 60 begin 7/1/24; Base and Loan mod on Matchaponix Rd by 12/31/24
Matter ResolvedRequest
Adjourment
9711/13/2024 10:00 am24-16078 / MBKRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
12/11/2024 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $24,108.00  
AS OF 11/8/24 (SF) UPDATED

1. Objection filed by IRS ( ) - failure to provide for full payment of secured claim with interest (MUST RESOLVE)

2. IRS filed secured claim in the amount of $717,146.92 which is much higher than the proposed amount of $152,000 (OK TO PAY?) TRUSTEE PAYMENT WILL INCREASE

3. Trustee objection:

- Need copy of 2023 Tax Return. (RECEIVED)

- The debtor has undertaken an improper use of exemption. Specifically: Sched C over
exempt d(5) by $1,475, takes full d(1) exemption, only allowed $1,475 which was already
taken on Chase Bank acct.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Homeowner insurance $166.67 (Is Debtor paying and not part of monthly mortgage
payment?), Food $450, Clothing $150, Life insurance $220, auto insurance $295 (verifies
$135), $10,000 estimated tax payment (Both P&L has tax expense) and car payment $900.
Plan pays 100% so this will be moot.

- 22c has disposable income $44,038.83. Plan pays 100% to gucs.

- Proof of income also verifies higher, there is disposable income $154,994.

- There is non-exempt equity in the Chase Bank acct#9751 $198,536 (THIS IS A BUSINESS ACCT), Chase Bank acct#0351 $22,205, Chase Bank acct#8901 $6,307, Astir Home Health business $1,000,000 and One Nation Entertainment business $202,000.



Plan proposes $24,108 x 60 (begin 71/1/24 100% plan
Payments: 4/5 Arrears: $24,108

RESOLVED:
- IRS filed estimated priority claim 1-2 (AMENDED)
- Must file Pre-confirmation certification. (FILED)
Matter ResolvedRequest
Adjourment
9811/13/2024 10:00 am24-16127 / MBKEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 5 of 5 required payments   Arrears: $0  

ISSUES AS OF 11/4/2024 (DM):

***TO CONFIRM THE DEBTOR NEEDS $3,740 PTD, THEN $1,145 x 56 STARTING 11/1/24, 100% PLAN WITH $198,875 THRESHOLD PRESERVED, TRUSTEE STANDARD ORDER OF DISTRIBUTION, OTBS BY US BANK WITHIN 30 DAYS TO PAY PER POC, STRIKE JUDGMENT CRAMS IN PART 7a, DEBTOR IS FREE TO FILE SEPARATE MOTION WITH SERVICE MADE ON SAID CREDITORS, PRE-CONFIRMATION CERTIFICATION SHALL BE FILE WITHIN 14 DAYS***

 ADJ to 10/23 - Atty made mistake with Sch J - will be amended to show feasibility - work-up at 100% (dm)

1) US Bank (FRIEDMAN VARTOLO) OBJs - $58,210.11 arrears on Bernath St property (OTBS to PAY PER POC.)

2) Trustee OBJ:
- Income is insufficient. Plan is not feasible with the disposable income verifying at $58. Plan proposes $935 per month.
- Need service on Plan motions (UNRESOLVED.)
- There is $198,878 non-exempt equity in real estate (NEED 100% - ONLY $3k GUCs.)
- Need Trustee standard Order of Distribution.
- Need to file Pre-Confirmation Certification (UNRESOLVED.)


Prop. Plan $935 x 60, Base Plan.
PTD 4/5 = $3,740
Last Claim (2-1)
Matter ResolvedRequest
Adjourment
9911/13/2024 10:00 am24-16262 / MBKJoseph Casello, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 4 of 5 required payments   Arrears: $1,500.00  
MP filed on for 12/11--mark this as withdrawn EDC

As of 9/19/24 (DS): 1. State of NJ filed estimated tax claim, 2021 - 2023 tax returns not filed. Must resolve claim.

2. M&T Bank (Mtg for Navesink Ave) filed arrears claim $297.02.

3. BELOW ISSUES REMAIN UNRESOLVED.

As of 8/26/24 (DS): Debtor atty requested adj to allow time to resolve obj

8/28/24 (DS): 1. Trustee obj to the following:
- Must provide Profit & Loss statements and business forms for PV One LLC, PV One Consulting and Helios Yacht Charters, Property settlement agreement with ex-spouse with proof of support payments, Accountants valuation on all businesses and Certification regarding the debtors interest in all businesses.
- Excessive expenses: Home maintenance $670, additional mtg payment $1,500, health insurance $2,000, support payment $1,500 PROPRERTY SETTLEMENT AGREEMENT HAS ALIMONY TO EX-SPOUSE $3,440.66 AND MAY VARY PENDING YEARLHY UPDATED CASE INFO STATEMENT, mortgage on other property $1,600 (Which property? Business?) and estimated quarterly taxes (Business?). Must provide proof of expenses 10 days prior to confirmation.
- 22c has disposable income $18,089.33, which would require minimum dividend $1,085,359.80 to gucs.
- Proof of income also verifies higher and with excessive expenses will be more.
- Plan does not propose the non-exempt equity of Debtor's assets.
- There is non-exempt equity on 173 Monmouth Ave $354,439.35, 125 Navesink Ave $116,461.50, Cash $350, Bank of America acct#6389 $1,338.98, Bank of America acct#7520 $1,549, PowerNJ LLC per 2023 tax returns valued $177,827 (pending accountant's valuation), 173 Monmouth LLC $823,500, PV One LLC (pending accountants valuation), PV One Consulting (pending accountants valuation), Helios Yacht Charters estimated $200,000 (pending accountants valuation) and Commissions from PowerNJ LLC $150,000.
- Add to confirming order Trustee standard order of distribution.
- Must file Pre-confirmation certification.

2. TD Bank (198 Grand Ave) filed 2
Matter ResolvedRequest
Adjourment
10011/13/2024 10:00 am24-16406 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 4 of 5 required payments   Arrears: $300.00  
10/30 Workup for the 11/13 calendar EDC
Debtor atty requested adj to allow time to resolve obj--SAME AS LAST TIME

As of 10/3/24 (DS): 1. Trustee obj to the following:
- Statement from Acorn has $645 non-exempt equity. Must amend Sched A/B and C to add.
- Add to confirming order Trustee standard order of distribution.
- Add to confirming order non-exempt proceeds from sale of residence to Trustee.
- Must resolve creditor objection.
- Must file Pre-confirmation certification.
- Must file motion to retain realtor within 10 days from confirming.
- Any dismissal should trigger a one year bar to filing.

2. US Bank (KIMBERLY WILSON) obj to not in plan, does not propose to pay arrears and sale.
**MFR ON FOR 11/6 ALSO

3. IRS filed arrears priority claim $966.35, not in plan.

Prop Plan $300 x 60 begin 7/1/24; Base and Sale of 1406-1408 West Fifth St by 12/25/24
Note: Statement from Acorn Investment and life insurance payment provided.
Matter ResolvedRequest
Adjourment
10111/13/2024 10:00 am24-16518 / MBKKarina Pia Lucid, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $850.00  
ISSUES AS OF 11/4/2024 (DM):

1) NJ Division of Taxation filed a general unsecured claim that includes estimated taxes for 2019 & 2020 (UNRESOLVED.)

2) IRS filed $2,354.45 amended priority claim not treated in the plan (OKAY TO PAY?? - Yes)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need copy of homeowner's insurance renewal declaration (RECEIVED.)
- Tax refund of $1,784 was not prorated and included in disposable income calculation (AVG ADDED TO INCOME.)
- There is $97,617 non-exempt equity in the residence (LANGUAGE ADDED.)
- IRS filed an estimated claim which needs to be amended (AMENDED.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $850 x 60, 100% Plan
PTD 4/5 = $3,400
Last Claim (1-2)
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-16697 / MEHPeter E. Zimnis, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $850.00  
TRANSFERRED TO MEH
As of 9/12/24 (DS): 341 sched 10/3/24, must submit confirmation adjournment
Matter ResolvedRequest
Adjourment
10211/13/2024 10:00 am24-16744 / MBKPeter E. Zimnis, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 4 required payments   Arrears: $1,209.00  
AS OF 11/7/2024 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- 2 months bank statements from PNC Bank acct#4766, which is listed in PNC Bank acct #6647. (NOT RECEIVED)
- Must file Pre-confirmation certification. (NOT FILED)

RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,589 when determining disposable income. (AVERAGED/ADDED TO INCOME)

Plan proposes: $1,000 x 60 beginning 8/1/2024, base
Payments: 2/3, arrears $1,209
Matter ResolvedRequest
Adjourment
10311/13/2024 10:00 am24-16973 / MBKVirginia E. Fortunato, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 4 required payments   Arrears: $3,640.00  
ISSUES AS OF 11/7/2024 (DM):

***The debtor has only made 1 of 4 Trustee payments with the last payment received in August - RECOMMEND DISMISSAL***

 9/27/2024 (at): RECOMMEND $1,141 PTD, $1,411 x 58 BEGINNING 10/1/2024, BASE
- Claims will be paid according to the trustee's order of distribution.
- Preserve non-exempt equity of $46,081.00 in real estate.
- Need to file Pre-Confirmation Certification within 7 days of confirmation.
- Creditor, One Main Financial POC (7-1) shall be treated per the plan provision as current/outside and will not receive distribution on the secured or unsecured potions of the proof of claim.

1) Trustee OBJ:
- There is $46,081 non-exempt equity in the residence (LANGUAGE ADDED.)
- One Main Financial filed a bifurcated claim (secured $15,750/unsecured $10,700.94) with no arrears. Is total claim to be treated outside? (TREAT AS SECURED UNAFFECTED OUTSIDE HE PLAN.)
- Need to file Pre-Confirmation Certification (UNRESOLVED.)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need homeowner's insurance renewal declaration - insurance expires 9/3/24 (RECEIVED.)
- Plan proposes an Order of Distribution that departs from the Trustee standard (LANGUAGE ADDED.)


Prop. Plan $1,142 x 2, $1,250 x 58, $46,081 Min Div.
PTD 1/4 = $1,142
Last Claim (16-1)
Matter ResolvedRequest
Adjourment
10411/13/2024 10:00 am24-17039 / MBKThomas G. Egner, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $250.00  
AS OF 10/29/2024 (at):

RECOMMEND: $250 x 36 BEGINNING 8/1/2024, SALE OF 920 BROAD STREET BY 12/15/2024, 100% PLAN
- Low base pending sale.
- Preserve non exempt equity of $108,914 in real estate


1. Objection filed by US Bank (LOGS) - failure to cure arrears of $38,568.03 (Per POC) (RESOLVED - PAY PER POC AND SALE BY 12/15/2024)

2. Trustee's objection:
- 1) US Bank (LOGS Legal ,Group) objection to confirmation - need to resolve - pre-petition arrears $38,568.03 (LISTED ABOVE)
- 2) Wells Fargo #3214 balance as of 6/30/2024 $1,000 not $156.01 - need to amend Schedules A/B and C. There may be non-exempt equity. (AMENDED)
- 3)The CMA lists the house value as $420,000 while the listing agreement sale price is only $250,000. The debtor needs to supply information from the realtor regarding the value. (Per attorney, The difference between the CMA and the agreement of sale is condition. The CMA was prepared without an on site inspection. Once the agent visited the property, an adjustment needed to be made - please note that it remains a 100% plan.)

Plan proposes: $250 x 36 beginning 8/1/2024, sale of 920 Broad Street by 12/15/2024, 100% plan
Payments: 3/3
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-17040 / MEHScott E. Kaplan, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $300.00  
TRANSFERRED TO MEH

Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-17052 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $350.00  
TRANSFERRED TO MEH
As of 9/19/24 (DS): 1. Trustee obj to the
Debtor having insufficient income, disposable income is significantly negative, verifies $-403. Must apply for E-wage. CAN DO TFS AUTOMATIC DEDUCTIONS OK

2. JPMorgan Chase (LAURA EGERMAN) obj to plan proposing sale and post-pet payments not on Sched J. Must resolve obj.

3. Upstart Network (2018 Chevy) filed bifurcated claim with arrears $31,460.23, secured $15,250 and unsecured $16,210.23. Must resolve claim.

4. PNC Bank POC is a student loan owed $77,662.13. Plan has Dept of Ed/Nelnet, Fed Loan Serv and Navient, but does not have PNC Bank. Trustee to treat this claim outside? OK OUTSIDE

Prop Plan $350 x 36 begin 8/1/24; Base and Sale of 6th St by 2/1/25
Note: There is no equity in the residence, however, will add to confirming order non-exempt proceeds from sale to Trustee.
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-17124 / MEHLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 1 of 4 required payments   Arrears: $4,494.00  
TRANSFERRED TO MEH
AS OF 9/19/24 (SF)

341 NOT HELD - MUST REQUEST ADJOURNMENT OF 341 AND CONFIRMATION HEARINGS
Payments: 1/2 Arrears: $1498
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-17137 / MEHCarol L. Knowlton, Esq.Confirmation Hearing ScheduledMoot - Converted to 7 / 11Debtor has made 1 of 4 required payments   Arrears: $0  



Matter ResolvedRequest
Adjourment
10511/13/2024 10:00 am24-17251 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 4 required payments   Arrears: $1,310.00  
updated 11/4/2024 (JMA)
issues as of 11/1/2024 (JMA)

1) US Bank (RASC) objection to confirmation - need to resolve
- the pre-petition arrears in the amount of $115,039.92
- loan modification is speculative
- adequate protection required to be in the amount of 41,933.71
2) Motion to approve participation in the Court's Loss Mitigation Program to be heard 11/13/2024 - need outcome
3) Trustee objection to confirmation - need to resolve
- Updated auto insurance for 2010 Nissan Altima (insurance expired 10/5/24) and auto insurance for 2010 Honda Civic (none provided).
- A Modified Plan that corrects attorney fees owed, per attrorney disclosure owed $4,650 or amend disclosure.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $600 for Transportation.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is non-exempt equity in the residence $2,021 and $1,315 in Provident Bank acct total $3,336.
- Must resolve creditor objection.

proposed plan $500x6 begin 8/1/2024 $1,500x54 begin 2/1/2025 base plan
paid in $690
arrears $1,310
last claim 11-1
Matter ResolvedRequest
Adjourment
10611/13/2024 10:00 am24-17322 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
12/11/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 11/7/24 (DS): Debtor atty requested adj, mod plan filed 11/5/24

As of 11/4/24 (DS): 1. BELOW ISSUES REMAIN UNRESOLVED.

As of 10/21/24 (DS): Debtor atty requested adj to date of motion for relief

10/23/24 (DS: 1. MFR by SN Servicing, sched 11/13/24, Debtors are in post-pet arrears $5,220.84 from 8/1/24-10/1/24. Need outcome.

2. Trustee obj to the following:
- The case is a Joint case and the plan filed fails to check off the box for joint administration in part 1e. This plan needs to be withdrawn and a new plan filed checking off that box for Joint administration. MOD PLAN FILED TO MARK OFF 1E.
- Must provide current market analysis with comps for properties sold in the last 6 months (CMA only has 1), Valuation statement from Credit Union of NJ life insurance with balance prior to filing date (Received statements from Security Mutual Life for both Debtors valued total $25,00, not same name of insurance and not same value $70,000. Is this additional life insurance?
- Must amend Sched A/B and C for whole life insurance cash surrender value.
- There is non-exempt equity in Credit Union accts $4,168 and pending updated CMA there may be non-exempt equity in the residence.

3. SN Servicing (FRIEDMAN VARTOLO) obj to arrears $110,404.04, POC filed with same. Must resolve obj.

Prop Plan $1,200 x 6 begin 8/1/24; $1,648.57 x 54; Base and Loan mod on Theresa St by 1/2025
Note: Auto insurance for 2016 Hyundainot needed, car was repoed 2021. 2023 Tax returns provided for both Debtors. Loan mod date ok obj filed by creditor.
Matter ResolvedRequest
Adjourment
10711/13/2024 10:00 am24-17332 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 10/252/24(mk): email to atty- OK TO TERMS

Needs to be 100% due to equity

**CAN REC CONFIRM at $6,000 PTD Then $2,168 x 57 Begin 11/1/24 100%. Preserve Equity T/H in real and personal property of $ 1,170,872. Needs Tr standard order of distribution. Student loans outside plan**




-----------RESOLVED---------------------
1. Trustee objection:
-There is non-exempt equity in the residence $1,045,038, $86,793.99 in Time share 2018 Cadillac $16,539, 2021 BMW $18,890, Barretta $400, AR Other
$300, United Teletech $2,900 and Affinity FCU $12 (proposed plan
pays 100% to creditors).
- Must file Pre-confirmation certification.


PLAN:$2,000 x 60 begin 8/1/24; 100% Std Loan outside plan
3/3 payments

- Must resolve IRS and State of NJ estimated tax claims-APOC FILED
- needs Tr standard order of distribution (ADDED TO TERMS)
Matter ResolvedRequest
Adjourment
10811/13/2024 10:00 am24-17426 / MBKEric S. Landau, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 2 of 4 required payments   Arrears: $200.00  
341 WAS NOT HELD ON 10/31/24- MISSING DOX
2/3 payments

Plan has sale and a refi- NEED TO PICK ONE
Matter ResolvedRequest
Adjourment
10911/13/2024 10:00 am24-17569 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $251.00  
AS OF 11/4/2024 (at):

RECOMMEND: $747.60 PAID TO DATE, $353 x 57 BEGINNING 11/1/2024, BASE

1. The IRS filed an estimated claim which needs to be amended. (NO LONGER ESTIMATED)

Plan proposes: $287.05 x 60 beginning 8/1/2024, base
Payments: 2/4, arrears $325.84
Matter ResolvedRequest
Adjourment
11011/13/2024 10:00 am24-17572 / MBKBruce Radowitz, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 4 required payments   Arrears: $1,000.00  
As of 11/8/24 (DS): Recommend confirming at $1,000 x 4 begin 8/1/24 (If payment is made for Nov), $2,526 x 56 begin 12/1/24; Base with a min. div. $93,596 to gucs

1. 401(k) loan balance statements provided and verifies that Line 17 has $1,749 should be less. 401(k) monthly payments $261.69 and 401(k) loan should be $505.52 monthly. Adding back $981.79.79 to Line 45 22C disposable income will be $1,559.94, which would require min. div. $93,596 to gucs.

As of 10/7/24 (DS): Debtor atty requestd adj to allow time to resolve obj

10/9/24 (DS): 1. Trustee obj to the following:
- Sched J excess expenses: $535 for cable/internet/phone, $1,100 for car insurance, $1,000 for Tesla (Per POC Tesla verifies $954), $378 for Chevy (Per POC verifies $352), $584 for Chevy (Per POC verifies $520) and $529 for Subaru (Per POC verifies $455), cannot have four car payments.
- 22C has excessive expenses on Line 17 has $1,749, per 401K and 401K Loan verifies $767.21, add back $981 to Line 45 disposable income, Line 23 takes $300 for tele/services, Line 30 takes additional food/clothing expense $47, Line 33d takes expenses for 2017 Chevy Equinox $584 (claim has $352.46) and 2017 Subaru Outback $529 (claim has $455), also Line Line 35 IRS claim was filed for less add back $16.38, plus Line 45 has disposable income $34.23, leaving disposable income to be $1,559.94, which would require min. div. $93,596 to gucs.
- 1 Pension loan $504 ends in 19 months and 2nd pension loan $363.75 ends in month 34. Would require a tier plan, however, case is above median.

Prop Plan $1,000 x 60 begin 8/1/24; Dollar Base $18,000
Matter ResolvedRequest
Adjourment
11111/13/2024 10:00 am24-17576 / MBKScott E. Tanne, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $600.00  
updated 11/8/2024 (JMA)
issues as of 11/1/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor has failed to file a feasible plan - that propose a tier plan when car payment $597 ends in month 27. MODIFIED PLAN FILED
- The debtor has failed to supply the Trustee with the following document (s): Updated auto insurance if not confirmed by 10/9/24, insurance expired 10/20/24. NEED TO PROVIDE TRUSTEE WITH RENEWAL POLICY
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,249 when determining disposable income.
- Must provide 2 months (June & July) bank statements from TD Bank savings accts#0144, #9022 and #6404 and TD Bank checking acct#9753. RESOLVED, BANK STATEMENTS RESOLVED
- OneMain filed bifurcated claim, secured $14,800, unsecured $1,010.45 with no arrears. Is unsecured portion of claim to be treated outside? NEED TO RESOLVE
- Must file Pre-confirmation certification. NOT FILED TO DATE
- Need updated pay stubs for both debtors. ONLY PROVIDED 1 PAYSTUB FOR CO-DEBTOR. USING ALL PAYSTUBS FOR DEBTOR AND THE NEW PAYSTUBS FOR CO DEBTOR DISPOSABLE NET INCOME IS NOW $2,101.16
2) Need to file amended Schedule I to include income of the co-debtor. NEED TO FILE AMENDED SCHEDULE I

proposed plan $600x36 base plan
paid in $1,800
arrears $600
last claim 6-1
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-17591 / MEHSteven J. Abelson, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $350.00  
TRANSFERRED TO MEH
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-17600 / MEHRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

TRANSFERRED TO MEH
As of 10/18/24 (DS): Debtor atty requested adj, Debtor has been offered a trial loan mod and is reviewing to see if the terms are acceptable.

ADJ to 10/23 - Debtor okay with terms but wants to check mtg POC to make sure about arrears (dm)

As of 10/2/24 (DS): Once proof of auto insurance is provided, recommend waiting pass bar date 10/9/24 or confirm at $334 x 60 begin 8/1/24; 100% to gucs with a min. div. $162,207 due to non-exempt equity and Trustee standard order of distribution

1. Trustee obj to the following:
- Must provide updated auto insurance for 2003 Saturn Ion, insurance expired 4/7/24.
- There is non-exempt equity in the residence $162,207.
- Trustee standard order of distribution.

Prop Plan $334 x 60 begin 8/1/24; 100%
Matter ResolvedRequest
Adjourment
11211/13/2024 10:00 am24-17866 / MBKFrancis P. Cullari, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 3 required payments   Arrears: $945.00  
AS OF 11/6/24 (SF)


RECOMMEND $945 X 12 (BEGIN 9/1/24); $1244 X 36 100% PLAN W/MIN $10,854 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE; LOAN MOD BY 2/1/25
- DO NOT PAY ARREARS TO FREEDOM MORTGAGE PENDING APPROVAL OF LOAN MOD
- PAY ARREARS TO PRINCETON FCU CLAIM 9-1. DO NOT PAY GUC AMOUNT
- PAY ARREARS TO PRINCETON FCU CLAIM 10-1. DO NOT PAY GUC AMOUNT



1. Per Order loan mod must be completed by 2/1/25

2. Trustee objection:

- Need proof of insurance for the 2020 Buick and the 2020 GMC.

- Need a Modified Plan that steps up trustee payment in September, 2025 when pension loan
is paid off. (additional $1,225/month in income ) PENSION LOAN EXPIRES IN 9 MONTHS

- There is $39,634 in non exempt equity in the residence. (DUE TO SECOND MORTGAGE EQUITY IS NOW $10,854



Plan proposes $945 x 60; BASE; Loan Mod by 1/1/25
Payments: 1/2 Arrears: $945



RESOLVED:

- Need to file Pre-Confirmation Certification. (FILED)

Matter ResolvedRequest
Adjourment
11311/13/2024 10:00 am24-17885 / MBKWarren S. Jones, Jr., Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0  

as of 11/1/2024 (JMA)

ok to confirm at $470x60 begin 9/1/2024 base plan
-need to file Pre-Confirmation Certification with Court

proposed plan $470x60 base
paid in $940
arrears $470
last claim 29-1
Matter ResolvedRequest
Adjourment
11411/13/2024 10:00 am24-18170 / MBKMark N. Glyptis, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 11/7/24 (SF)

1. State of NJ filed estimated unsecured claim 11-1 (NEED AMENDED CLAIM)

2. Trustee objection:

- The debtor has undertaken an improper use of exemption. Specifically: Debtor is not on
the deed and not eligible for the code section 522 D1 exemption.

- Verified income leaves monthly disposable income of $662.59.

- There is $7459 in non exempt equity in the residence.



Plan proposes $350 x 51 Base w/min $11,818.31 to gucs
Payments: 3/3

RESOLVED:

Recommend plan be denied because debtors fail to check box 1e in plan as to joint administration of the case. Must file modified plan. (MP FILED)
- Objection filed by Lakeview Loan Servicing (Boyle/Ebersole) - failure to provide for arrears of $1596.69 thru the plan (MP FILED)
- Need a Modified Plan that checks off box 1e (joint administration)
- The attorney's fees in the plan and the disclosure statement do not agree. One of these
must be amended. (PLAN AMENDED)
- Need to file Pre-Confirmation Certification. (FILED)
- The debtors need to file a certification with explanation regarding any previous
properties owned within the last 4 years. (RECEIVED)
- Per debtor's pay stubs, need bank statements for accounts 589, 922 and 897.(RECEIVED. Accounts 922 and 897 are closed.)
- Need statements for pay pal and venmo accounts.
- Need statements for the debtor's (2) 401k loans. (401K LOANS WILL EXPIRES IN MORE THAN 36 MOS)
Matter ResolvedRequest
Adjourment
11511/13/2024 10:00 am24-18354 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 3 required payments   Arrears: $1,126.00  
AS OF 11/6/24 (SF)

RECOMMEND $1126 X 2 (BEGNIN 9/1/24); $1194 X 58 (BEGIN 11/1/24) BASE W/MIN $16295 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE AND PERSONAL PROPERTY
- MUST FILE PRE-CONFIRMATION CERTIFICATION WITHIN 7 DAYS


Trustee objection:

- Amendments to Schedules amend Sch A/B to add Andres FCU and provide statements. (STATEMEENT RECEIVED)

- There is $7,285 in non exempt equity in the residence.

- There is $9,010 in non exempt equity in the bank accounts.

- Need to file Pre-Confirmation Certification. (STILL NEED)


Plan proposes $1126 x 60 BASE W/MIN $12,712.02 TO GUCS
Payments: 2/2






Matter ResolvedRequest
Adjourment
11611/13/2024 10:00 am24-18360 / MBKFrancis P. Cullari, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 11/5/24(mk); email to atty- ok to terms

**CAN REC CONFIRM AT $2,175 PTD THEN $811 x 57 BEGIN 12/1/24 100%. Preserve equity T/h of $74,385 in real property.


1.TR Objection:
-There is $67,018.22 non-exempt equity in the debtor's residence PLAN PROPOSES 100%)
-There is $7367.25 non-exempt equity in the Florida property ( PLAN PROPOSES 100%)
-must file pre conf cert. (FILED)


Plan:$725 X 60; 100%
3/3 payments

-----------RESOLVED-----------------------
Penny Mac claims for mtg on 2 sep. prop. each have arrears and Plan has unaffected Order submitted 10/18/24 resolving obj by Penny Mac(Fein Such) Terms =pay arrears claim)
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-18559 / MEHJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

TRANSFERRED TO MEH
Matter ResolvedRequest
Adjourment
11711/13/2024 10:00 am24-18620 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 3 required payments   Arrears: $300.00  
AS OF 11/7/2024 (at):

RECOMMEND: $600 PAID TO DATE, $441 x 57 BEGINNING 12/1/2024, BASE
- Preserve non exempt equity of $5,698.00 in personal property.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Need proof of insurance for the 2017 Chrysler. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $5,698 in non exempt equity in the inheritance. (LANGUAGE ADDED)

Plan proposes: $300 x 60 beginning 9/1/2024, base
Payments: 2/3, arrears $300
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-18624 / MEHDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $250.00  
TRANSFERRED TO MEH
Matter ResolvedRequest
Adjourment
11811/13/2024 10:00 am24-18641 / MBKJoseph Albanese, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $591.00  
will revisit and finalize terms after bar date passes.

As of 11/7/24(mk):

BAR DATE IS 11/8/24 as of now there is non exempt equity of $54,712 so case will likely be 100%


1. Plan had Nationstar as unaffected. Filed arrears claim for 47.19 arrears- OK TO PAY?

2. Trustee Objection:
-There is $2,826 non-exempt equity in PNC Bank acct
-There is $51,886 non-exempt equity in house
TOTAL NON-EXEMPT EQUITY $54,712

Plan:$597 X 60; BASE
2/3 payments

Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-18645 / MEHScott J. Goldstein, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,755.00  
TRANSFERRED TO MEH
Matter ResolvedRequest
Adjourment
11911/13/2024 10:00 am24-18693 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
12/11/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

As of 11/8/24 (DS): Debtor atty requested adj to allow time to to file motion against the IRS claim.

As of 11/1/24 (DS): Need to confirm at $200 x 6 begin 10/1/24 (November payment must be made); $500 x 54 begin 12/1/24; Base;
- Loan mod on Wayne Ave by 3/13/24, The Bank of NY Mellon claim#7-1 arrears $13,142.60 is to be paid pending loan mod.
- Trustee is to pay IRS claim#3-1 $9,513.78.
- Debtor must sign up for e-Wage within 7 days from conf order.
- Prestige Financial claim#4-1, not in Plan is not to be paid, creditor granted stay relief on 10/23/24.

1. Trustee obj to the following:
- Debtor income is insufficient, disposable income verifies $-125. Debtor must sign up for e-Wage within 7 days from conf order.
- Pension loan payment $359 ends 5/1/26.

2. Prestige Financial filed claim with arrears and was not in plan. Stay relief was granted 10/23/24.

3. IRS filed prioirty claim for $9,513.78. Plan has $0. Trustee ok to pay?

Prop Plan $200 x 6 begin 10/1/24; $264.75 x 54; Base and Loan mod on Wayne Ave by 3/25
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-18733 / MEHRoger J. Yehl, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $537.00  
TRANSFERRED TO MEH
Matter ResolvedRequest
Adjourment
12011/13/2024 10:00 am24-18752 / MBKBrian L. Hoffman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 11/6/24 (SF)

1. Objection filed by Ally Bank (Regina Cohen) - objects to cram

2. Objection filed by Capital One Auto (Regina Cohen) - Objects to cram

3. Trustee objection:

- -Excessive expenses Schedule J $570/utilities; $5,000 childcare/education ages 14, 16 and
19
(Debtor pays tuition for children as follows:
$4612 to Drexel University
$2059 to Pingry School
$1156.50 to Wardlaw- Hartridge School)


-Form 122c-2 Line 45 has disposable income of $1,376.50 which requires minimum $82,590
dividend to general unsecured creditors.

Line 29 on 22c $3000 for education expenses. Shouldn't be more than $189.58 x 3= $568.74 (PLAN SHOULD BE 100% TO GUCS

2. Must file pre-confirmation certification

Plan proposes $1376 x 60 Base
Payments: 1/2 Arrears: $1376


RESOLVED:
- Need Domestic Support Obligation information (RECEIVED)

Matter ResolvedRequest
Adjourment
12111/13/2024 10:00 am24-18776 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 0 of 2 required payments   Arrears: $1,580.00  
updated 11/8/2024 (JMA)
issues as of 11/1/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $285/month for clothing; $285/month for personal care
$795/month for transportation. 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): Verified income leaves monthly disposable income of $914.92.
- Need to file Pre-Confirmation Certification- RESOLVED, FILED
2) Debtor has not made Trust payments to date, arrears $1,580

proposed plan $790X36 base plan
paid in $0
arrears $1,580
last claim 4-1
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-18838 / MEHRichard F. Fried, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $2,000.00  
TRANSFERRED TO MEH
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-18857 / MEHJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $550.00  
TRANSFERRED TO MEH
Matter ResolvedRequest
Adjourment
12211/13/2024 10:00 am24-18872 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
12/11/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $700.00  
AS OF 11/4/24(MK):

CASE IS 100% BAR DATE IS 11/15/24- SHOULD ADJ TO AFTER THAT

1. Objection by PennyMac(Frenkel):
- plan fails to provided for all arrears

2. TRUSTEE OBJECTION:
- debtor has insufficient income income for debtor and spouse
verified lower than amount on Schedule I, disposable net
$580.15.
--There is $13,163.92 non-exempt equity in house (THIS IS
100% PLAN)
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-18886 / MEHRonald E. Norman, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

TRANSFERRED TO MEH
Matter ResolvedRequest
Adjourment
12311/13/2024 10:00 am24-18888 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
12/11/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,200.00  
AS OF 11/6/2024 (at):

1. Objection filed by Credit Acceptance Corp (Eisenberg Gold) - cram is too low and interest rate of 6% is too low. Creditor wants $10,650 at 10.5%. No proposed adequate protection payments. (UNRESOLVED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A Modified Plan that checks of 1e. (joint administration) (MOD PLAN NOT FILED)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- Online comparative market analysis value the home at $786,000. (NEED EXPLANATION OF VALUE)

RESOLVED ISSUES:
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service on Credit Acceptance. (CERT OF SERVICE FILED)
- The dismissal of this case should trigger a one year bar to re -filing. This is the 3rd case in 2 years. (LANGUAGE ADDED)

Plan proposes: $1,200 x 6 beginning 10/1/2024, $2,914.09 x 54, loan modification by March, 2024, base
Payments: 1/2, arrears $1,200
Matter ResolvedRequest
Adjourment
12411/13/2024 10:00 am24-18900 / MBKDonald C. Goins, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $3,480.00  
Matter ResolvedRequest
Adjourment
12511/13/2024 10:00 am24-18934 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
12/11/2024 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $400.00  
As of 11/8/24 (DS): Debtor atty requested adj to resolve all issues

As of 11/7/24 (DS): 1. Trustee obj to the following:
- Need a mod plan that marks off 1e. Case is a Joint case and the plan filed fails to check off the box for joint administration in part 1e. This plan needs to be withdrawn and a new plan filed checking off that box for Joint administration.
- Disposable income verifies $1,122.54. Tax refund $11,225 failed to be listed on Sched I.
- There is non-exempt equity in the residence $94,363 and $12,700 in the personal property total $107,063. RECOMMEND WAITING PASS BAR DATE 11/19/24.
- IRS filed priority claim $5,529.07.
- Must resolve creditor objection.
- Must file Pre-confirmation certification.

2. Santander (BROCK & SCOTT) obj to arrears owed are $24,562.83, no POC filed. Must resolve creditor obj.

Prop Plan $400 x 60 begin 10/1/24; 100%
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-18998 / ABAKevin C. Fayette, Esq.Confirmation Hearing ScheduledContinued
12/11/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

10/17/24 (sf) (Sent email to Kelleen)

341 scheduled for 11/7/24
Payments: 1/1
Matter ResolvedRequest
Adjourment
12611/13/2024 10:00 am24-19037 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 1 of 2 required payments   Arrears: $1,034.00  
UPDATED 11/4/2024 (JMA) - MODIFIED PLAN FILED AND SCHEDULED FOR 12/11/2024

issues as of 11/1/2024 (JMA)

1) 341 not held, rescheduled for 12/5/2024
2) Not current with Trustee payments paid $500, arrears $1,034

proposed plan $767x60 base plan with refi by 9/30/2024
paid in $500
arrears $1,034
last claim 10-1
Matter ResolvedRequest
Adjourment
011/13/2024 10:00 am24-19487 / MEHVincent E. Villamor, Esq.Confirmation Hearing ScheduledContinued
11/19/2024 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

TRANSFERRED TO MEH
Matter ResolvedRequest
Adjourment
011/13/2024 2:00 pm19-24177 / MEHAllen I. Gorski, Esq.Motion CompensationContinued
11/19/2024 2:00 pm

TRANSFERRED TO MEH
Matter ResolvedRequest
Adjourment
12711/13/2024 2:00 pm19-25816 / MBKKirsten B. Ennis, Esq.Motion CompensationNeeds Resolution of Issues - Objections
Debtor obj
Matter ResolvedRequest
Adjourment
12811/13/2024 2:00 pm21-17332 / MBKJustin M. Gillman, Esq.Motion CompensationRevised Order SubmittedTotal Paid In: $18,874.00
Revised Order emailed to Chambers 10/15/24 (dm)
Matter ResolvedRequest
Adjourment
12911/13/2024 2:00 pm21-18362 / MBKJonathan Goldsmith Cohen, Esq.Motion CompensationOrder to be Submitted
Matter ResolvedRequest
Adjourment
13011/13/2024 2:00 pm22-13328 / MBKWarren Brumel, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $49,841.00
Matter ResolvedRequest
Adjourment
011/13/2024 2:00 pm22-19355 / MEHJonathan Goldsmith Cohen, Esq.Motion CompensationContinued
11/19/2024 2:00 pm
Total Paid In: $37,972.00
TRANSFERRED TO MEH
Matter ResolvedRequest
Adjourment
13111/13/2024 2:00 pm23-14252 / MBKKirsten B. Ennis, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $4,250.00
Matter ResolvedRequest
Adjourment
011/13/2024 2:00 pm23-21918 / MEHRobert Cameron Legg, Esq.Motion CompensationContinued
11/19/2024 2:00 pm
Total Paid In: $3,000.00
TRANSFERRED TO MEH
Matter ResolvedRequest
Adjourment
13211/13/2024 2:00 pm24-11693 / MBKJonathan Goldsmith Cohen, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $22,499.00
Matter ResolvedRequest
Adjourment
13311/13/2024 2:00 pm24-13556 / MBKJohn O'Boyle, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $2,800.00
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes