ALBERT RUSSO • STANDING CHAPTER 13 TRUSTEE
CALENDAR DISPOSITION LIST
Judge Rosemary Gambardella
Hearing Date: 12/6/2023
Hearing Count: 0
Last Updated: 12-05-2023 05:37 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment		012/6/2023 8:30 am23-16038 / RG Jonathan Stone, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 8:30 am		Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 11/28/23 (SF)

1. Carvana filed arrears claim 9-1 in the amount of $754 which is not addressed in plan (OK TO PAY?)

2. Trustee objection

- A copy of the homeowner's insurance renewal declaration - what was provided has expired.

- Need proof of auto insurance.

- Amendments to Schedules B & C to list personal injury claim

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$600/month for cable/internet/phone
$1,100/month for clothing
$900/month for medical/dental
$1,335/month for entertainment
$749/month car payment
Need proof of excessive expenses 10 days prior to confirmation. (EXPENSES ARE REDUCED BY $2585 WHICH REQUIRES A 100% PLAN)


- Verified income leaves monthly disposable income of $3,603.64. (DISPOSABLE INCOME IS NOW $6188)

- The current Plan does not specify treatment of US DEPT OF HUD under the Plan.

- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution

- Need to file Pre-Confirmation Certification

- Need a statement for the debtor's "loan" deduction on his pay checks.

- Need a copy of most recent mortgage statement.

- Need June and July bank statements for Chase checking and saving and Lakeland Bank checking accounts.


Plan proposes $1525 x 60 BASE
Payments: 4/4


RESOLVED ISSUES
- A copy of the last filed tax return - 2022 (RECEIVED)

- Motion for Relief by Bridgecrest Credit scheduled for 11/1/23 at 10. OTBS (nothing is being paid through the plan)
Matter ResolvedRequest
Adjourment		112/6/2023 9:00 am17-17285 / CMGKirsten B. Ennis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $51,670.00
(amt: obj does not address SV)<<>>

Debtor obj, will pay plan bal<>SV/WELLS FARGO
Matter ResolvedRequest
Adjourment		212/6/2023 9:00 am18-29492 / CMGBrian L. Hoffman, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $57,354.00
WELLS FARGO/Sunset Blvd (BROCK)
Matter ResolvedRequest
Adjourment		312/6/2023 9:00 am18-30935 / CMGRobert Manchel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
1/17/2024 9:00 am		Total Paid In: $48,978.00
Debtor obj, will pay by end of Dec<>DEBTOR FAILED TO PAY PLAN BALANCE ($5,974 AS OF 11/28)

PLAN IN MO 61 AS OF NOV
Matter ResolvedRequest
Adjourment		412/6/2023 9:00 am18-31360 / CMGRussell L. Low, Esq.Motion to Extend TimeMoot
(amt: Response doc filed 11/9 - pre pet current/post pet delinquent)<>

NATIONSTAR MTN TO EXTEND TIME TO RESPOND TO TR NOTICE OF FINAL CURE PAYMENT (Brock & Scott)
Matter ResolvedRequest
Adjourment		512/6/2023 9:00 am18-32967 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
12/20/2023 9:00 am		Total Paid In: $65,457.00
mk: atty says debtor made payment and will pay balance by end of the mo. adj to 12/20 for $

11/29 AMT: PL BAL = $3,352. UPDATED PAYOFF LTR SENT




Debtor obj, pd $7902<>

ARREARS /plan balance = $3,352 AS OF 11/29 per updated payoff snet

plan is in MO 6.1 as of DEC
Matter ResolvedRequest
Adjourment		612/6/2023 9:00 am19-11782 / CMGAndrew Thomas Archer Motion Relief from Stay (Fee)No Opposition Filed
SELECT PORTFOLIO/Retford Court (ALBERTELLI LAW)
Matter ResolvedRequest
Adjourment		712/6/2023 9:00 am19-14537 / CMGJacqueline R. Rocci, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $28,346.00
PAID


Debtor obj, will pay by 11/16<> ARREARS
Matter ResolvedRequest
Adjourment		812/6/2023 9:00 am19-16297 / CMGCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $33,644.00
AMT: MP 12/6>


CREDITOR (LOGS)CERT OF DEFAULT ON 2/7/24

mk:10/27: uploaded proof of 2 payments total 1,000

Debtor ojb, selling ppty<> ARREARS

MP filed 10/19 to sell the real property

listing agmt flied at #89

listing agmt filed at #89 and retention app for realtor filed
Matter ResolvedRequest
Adjourment		912/6/2023 9:00 am19-20370 / CMGWarren Levy, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $29,565.00
AMT: CONDUIT ORDER ENTERED<<>>

Debtor obj, filing mtn to reinstate stay<>SV/SPECIALIZED LOAN #5-3


Motion to reinstate stay on 10/18/23
Matter ResolvedRequest
Adjourment		1012/6/2023 9:00 am19-21201 / CMGSCOTT E KAPLAN ESQCreditor Certification of DefaultWithdrawnTotal Paid In: $18,914.00
Debtor obj, will pay<> WASHINGTON OAKS HOA (Hill Wallack)
Matter ResolvedRequest
Adjourment		1112/6/2023 9:00 am19-22933 / CMGJoseph Casello, Esq.Creditor Certification of DefaultContinued
12/20/2023 9:00 am		Total Paid In: $149,322.00
12/20 to resolve or lender will w/d and refile

11/19/23: mk sent email to attys- NOT RESOLVED YET

11/6/23(mk): email from A. Jennings :terms of the TRIAL loan modification that was extended to be completed on 2/1/2022 with FINAL loan modification effective 3/1/22.

11/3/23(mk) loan history sent to debtor atty form creditor atty

10/31/23:NEEDS A LOAN HISTORY

Debtor obj, will pay<> US BANK/Mine Brood Rd ( RAS)

post pet Due is $7,800.24

debtor detailed cert w/ proofs attached - have made payments
& debtor atty has $6748.22 in Trust acct for oct and maintains acct is substantially current
Matter ResolvedRequest
Adjourment		1212/6/2023 9:00 am19-25044 / CMGMelinda D Middlebrooks, EsqMotion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $118,170.00
12/4/23(mk): OTBS
Resolution Details:
Debtor currently due for August - November less $11.44 in suspense for a total due of $12,109.76 notwithstanding the December 2023 payment currently due.

An Order will be entered providing for the December payment to be remitted and the default of $12,109.76 to be cured over 6 months.


Debtor obj, offers 8 mo cure<>PHH MTG/Erin Drive (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment		1312/6/2023 9:00 am19-25989 / CMGBruce C. Truesdale, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsTotal Paid In: $40,512.00
>>OST<<

MTN TO SELL SPOTSWOOD ENGLISHTOWN RD PPTY

Realtors retained. SHORT SALE - APP'D BY CREDITOR- NO PROCEEDS

Plan 100% PLAN BAL IS 3,439.08. IN MO 52
Matter ResolvedRequest
Adjourment		1412/6/2023 9:00 am19-27244 / CMGJames J. Cerbone, Esq.Motion Relief from Co-Debtor StayOrder Previously SubmittedTotal Paid In: $59,796.00
11//29/23: order submitted
Debtor obj, atty has ck to cure direct and outside
-arrears<>MIDFIRST BANK/McDermott St(KML)
Matter ResolvedRequest
Adjourment		1512/6/2023 9:00 am19-27489 / CMGJeffrey E. Jenkins, Esq.Motion Reopen Ch. 13 Case (fee)GrantedTotal Paid In: $12,375.00
MTN TO REOPEN CASE

Then he filed Motion to Vacate Dismissal
Matter ResolvedRequest
Adjourment		1612/6/2023 9:00 am19-27489 / CMGJeffrey E. Jenkins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Revised Order SubmittedTotal Paid In: $12,375.00
needs a revised order that states immediate payment of 4,432 then payments of 606 x10 begin 12/1/23
Matter ResolvedRequest
Adjourment		1712/6/2023 9:00 am20-11160 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $114,667.00
11/22/23 AMT: CURRENT THROUGH NOV;


per debtor atty - hoping payment will clear before hearing. debtor just started new job

Debtor obj, proposing pymts<>ARREARS

Matter ResolvedRequest
Adjourment		1812/6/2023 9:00 am20-14749 / CMGThomas J. Orr, Esq.Creditor Certification of DefaultContinued
12/20/2023 9:00 am		Total Paid In: $19,482.00
mk: creditor request ot adj to 12/20 as debtor app'd for LM and awaiting execution of docs.

Debtor obj, pending LM approval<>CENLAR/High St (Pluese Becker)


Post pet due: 19,718.03
opp'n: debtor was on a forebearance plan sept-Aug 2023 and submitted LM request. lender acknowledged receipt of LM application, can resume reg mtg payments in Nov. should adj motion till after a decision on LM
Matter ResolvedRequest
Adjourment		1912/6/2023 9:00 am20-14763 / CMGStacey L. Mullen, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $29,709.00
Debtor obj, pd arrears through Oct, recap for bal<>NATIONSTAR MTG (GLENVIEW LANE GROSS)


MK: 11/14 email parties working on Co to cure arrears
Matter ResolvedRequest
Adjourment		2012/6/2023 9:00 am20-16743 / CMGMarc C. Capone, Esq.Creditor Certification of DefultNeeds Resolution of Issues - ObjectionsTotal Paid In: $70,330.00
AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, will cure incl Nov<>SN SERVICING/Ensign Ave (Friedman Vartolo)
Matter ResolvedRequest
Adjourment		2112/6/2023 9:00 am20-17033 / CMGBruce C. Truesdale, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $34,131.00
AMT: ARREARS CURED/WILL COMPLETE TIMELY<<>>

Debtor obj, will cure before hearing<> ARREARS
Matter ResolvedRequest
Adjourment		2212/6/2023 9:00 am20-23878 / CMGWarren Brumel, Esq.Motion Relief from Co-Debtor StayWithdrawn
SANTANDER (MORTON)
Matter ResolvedRequest
Adjourment		2312/6/2023 9:00 am21-12306 / CMGCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $13,664.00
Debtor obj, will pay<>ARREARS 1425 as of 12/4/23
Matter ResolvedRequest
Adjourment		2412/6/2023 9:00 am21-15049 / CMGEdward Hanratty, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $47,976.00
MP on 12/6/23 **SUBJECT TO TERMS**<<>>

Debtor obj<>DEBTORS PLAN WAS WITHDRAWN ON 9/30/23 AND FAILED TO FILE A MP WITHIN 14 DAYS
Matter ResolvedRequest
Adjourment		2512/6/2023 9:00 am21-15463 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $26,401.00
11/30/23(mk) email from creditor:The creditor and debtor resolved the pending MFR. Debtor will make an immediate payment of $4,000 with a 6 month cure for remaining arrears and payments to resume on December 1st. Please advise if the Trustee will remove requirement for conduit payments so that we can mark this Motion as settled. Both parties prefer to avoid conduit payments at this point


AMT: TR LTR REQEUSTING CONDUIT<>

Debtor obj, will make partial payment & requests recap<>CARRINGTON MTG (STERN LAVINTHAL)
Matter ResolvedRequest
Adjourment		2612/6/2023 9:00 am21-17313 / CMGBruce C. Truesdale, Esq.Creditor Certification of ServiceNeeds Resolution of Issues - ObjectionsTotal Paid In: $161,290.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, will pif prior to hearing<> WILMINGTON/Overhill Dr (friedman vartolo)
Matter ResolvedRequest
Adjourment		2712/6/2023 9:00 am21-18995 / CMGRussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
12/20/2023 9:00 am		Total Paid In: $4,600.00
Debtor obj, will pay by 12/8<>ARREARS 4,550 as of 11/29/23

Debtor to be current by hearing date 12/20

Matter ResolvedRequest
Adjourment		3012/6/2023 9:00 am22-10054 / CMGJeffrey E. Jenkins, Esq.Order Shorten TimeHold for JudgeTotal Paid In: $5,750.00
>>OST<<

Ajax Mtg doc ( Pluese Becker); debtor response<> MTN OBJ TO POC/AJAX MTG
Matter ResolvedRequest
Adjourment		2912/6/2023 9:00 am22-10054 / CMGJeffrey E. Jenkins, Esq.Notice of Proposed Private SaleWithdrawnTotal Paid In: $5,750.00
Amended Notice of sale at #131 lists realtor

Trustee limited obj, fails to list realtor<> NTC OF PPSD SALE
Matter ResolvedRequest
Adjourment		2812/6/2023 9:00 am22-10054 / CMGJeffrey E. Jenkins, Esq.Motion SellHold for JudgeTotal Paid In: $5,750.00
Limited obj BOA ( Frenkel Lambert); Ajax Mtg response (Pluese Becker)<> MTN TO SELL BRIANS WAY PPTY<<>>


AMENDED ORDER FOR SALE WAS EMAILED TO CHAMBERS 11/30/23. THAT PROVIDES FOR BALANCE OF PROCEEDS TO TR AND ATTY WILL FILE SUPP APP FOR 2,000 FEES AND REALTORS LISTED IN ORDER. DEBOTR NON FILING SPOUSE GETS 1/2 THEN DEBTOR EXEMPTION $24,775
------------------RESOLVED-------------------
TR Objection : parg 8 for proceeds - NEEDS TO CHECK FIRST BOX BALANCE OF PROCEEDS TO TR

needs to retain real estate atty ( Appl filed 11/9/23) and jenkins needs supp fees order for 2,000 in bkcy work


NO NOTICE OF PRIVATE SALE HAS BEEN FILED YET- FILED- but does not list realtor in professional to be paid- limited obj filed AMEDED NOTCIE FILED AT #131 - IT LISTS THE REALTOR- JENKINS STILL NEEDS AN APPL FOR SUPP FEES OF 2,000 TO BE FILED
Matter ResolvedRequest
Adjourment		3112/6/2023 9:00 am22-10330 / CMGFRANCIS P CULLARI, ESQMotion Relief from Stay (Fee)Continued
12/20/2023 9:00 am		Total Paid In: $6,023.00
CLEARBROOK COMMUNITY ASSOC (BECKER & POLIAKOFF)
Matter ResolvedRequest
Adjourment		3212/6/2023 9:00 am22-11632 / CMGCarol L. Knowlton, Esq.Trustee Certification of DefaultContinued
1/17/2024 9:00 am		Total Paid In: $30,000.00
Filing a MP

Debtor obj<> ARREARS $11,500 as of 12/1/23

debtor has new job- yes will address arrears in MP



made a 1,000payment 11/15 . made an Oct 1,000 payment- NOT MAKING FULL PAYMENT

but last pay before that was $500 in may 2023. reg plan payments are 2,000 p/m
Matter ResolvedRequest
Adjourment		3312/6/2023 9:00 am22-11974 / CMGRoman Akopian Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $12,271.00
AMT: MP 12/6 ** HR**<<>>

Debtor obj, filing MP<>ARREARS/NSF PAYMENT

MP >12/6/23
Matter ResolvedRequest
Adjourment		3412/6/2023 9:00 am22-12546 / CMGJohn Zimnis, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $82,495.00
MERCEDES-BENZ FIN/2019 Mercedes (MORTON)
Matter ResolvedRequest
Adjourment		3512/6/2023 9:00 am22-12630 / CMGDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
1/3/2024 9:00 am		Total Paid In: $5,928.00
MP filed on 1/3/24. extends time for LM to 4/30/24

Debtor obj, filing MP<>FAILED TO LM BY 9/30/23
Matter ResolvedRequest
Adjourment		3612/6/2023 9:00 am22-12925 / CMGRobert Cameron Legg, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceGrantedTotal Paid In: $12,725.00
MTN TO APPROVE ERMA ASSISTANCE
Matter ResolvedRequest
Adjourment		3712/6/2023 9:00 am22-13519 / CMGMaryBeth Schroeder, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $26,549.00
AMT: CONDUIT ORDER ENTERED 11/27 - DEBTOR WILL OWE PYMT SEPT<<>>

11/13/23:MK : conduit order on MFR and it will be conduit. will adj this to 12/6 to see where we are



mk: debtor made recent payment at end of Oct.and wants adj to be current
ANY RECAP MUST INCLUDE EPAY


Debtor obj, made pymts<>ARREARS 7,095 as of 11/9/23
Matter ResolvedRequest
Adjourment		3812/6/2023 9:00 am22-14538 / CMGDonald C. Goins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Revised Order SubmittedTotal Paid In: $12,172.00
12/4/23: order submitted to Orders not to CT BUT mk objected an as I want the actual recap in the order. Once atty submits a revied order w/ the terms I provided to him in a return email it can be marked Order previously submitted

MK: limited obj: needs a revised order that add a RECAP and TFS.

Recap = $12,172 ptd (18) Then $1,188 x 42 beg 1/1/24

Note the recap does not cover any supp fees- base balance is just enough to cover the secured claims

Matter ResolvedRequest
Adjourment		3912/6/2023 9:00 am22-14943 / CMGJustin M. Gillman, Esq.Creditor Certification of DefaultGrantedTotal Paid In: $10,950.00
Debtor withdrew opposition (dm)
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, pymts not credited<> FAY SERVICING/South 9th St (Stern & E)
Matter ResolvedRequest
Adjourment		4012/6/2023 9:00 am22-15172 / CMGBrian W. Hofmeister, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $15,400.00
MP on 12/6= OBJECTIONS- ALSO MRF ON 12/20


10/24/23(mk): Atty says still waiting for lender to approve LM- BUT atty will file a MP to pay arrears(getting help form daughter) in meantime


9/27/23(mk) NEED UPDATE


FAILED TO COMPLETE LM BY 5/31/23 OR FILE MP IF NO LM WAS APPROVED

MK: motion was adj from 7/19/ to 9/6 to give debtor time to complete LM-

WHAT IS THE STATUS? email to atty 8/22/23
Matter ResolvedRequest
Adjourment		4112/6/2023 9:00 am22-15936 / CMGRobert Cameron Legg, Esq.Trustee Certification of DefaultContinued
1/3/2024 9:00 am		Total Paid In: $8,714.00
AMT: MP 1/3/24

Debtor obj, filing mp<>ARREARS 3,710

10/31/23(mk) atty sent proof of $600 being mailed today
Matter ResolvedRequest
Adjourment		4212/6/2023 9:00 am22-17041 / CMGGeorge E. Veitengruber, III, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $5,414.00

Debtor obj, made pymt to old servicer, only 3 were returned to date<>SN SERVICING /EIGHTH Ave (FRIEDMAN VARTOLO)


MP filed on for 12/20: non filing spouse lost job- have to sell home
Matter ResolvedRequest
Adjourment		4312/6/2023 9:00 am22-18046 / CMGRobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
12/20/2023 9:00 am		Total Paid In: $2,332.00
AMT: MP 12/20
Debtor obj, filing MP<>PLAN NOT FEASIBLE DUE TO POC #1-2
Matter ResolvedRequest
Adjourment		4412/6/2023 9:00 am22-18083 / CMGLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $14,816.00
11/28 AMT: CURRENT THROUGH NOV<<>>

ARREARS
Matter ResolvedRequest
Adjourment		4512/6/2023 9:00 am22-18169 / CMGCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $12,380.00
Adj request Denied- been adj. 2 x already = poor pay history. No order on the motion to reinstate stay back 11/1/23


AMT: 12/1 PENDING TFS PYMT - $3,880<<>>

NO ORDER FROM 11/1/23 ON MTN TO REINSTATE STAY- OTBS

12/1/23: now owes $ 7,760

2 money orders posted for $500 and $380 11/14:ARREARS NOW 9,880.last pay before that was June 2023. Recap would send payments to 4,091 not feasible

Debtor obj, will make pymt & requests recap<> ARREARS 6,880
Matter ResolvedRequest
Adjourment		4612/6/2023 9:00 am22-18731 / CMGJohn Zimnis, Esq.Creditor Certification of DefaultContinued
1/3/2024 9:00 am		Total Paid In: $4,154.00
creditor request to adj 1/3/24 to resolve

Debtor obj, will make pymts<> MIDFIRST BANK/Ashmore Ave (KML)
Matter ResolvedRequest
Adjourment		4712/6/2023 9:00 am22-18867 / CMGJoel R. Spivack, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $22,510.00
ARREARS 8,145 as of 12/4/23 Last pay 9/7/23
Matter ResolvedRequest
Adjourment		4812/6/2023 9:00 am22-19456 / CMGSteven J. Abelson, Esq.Motion Dismiss CaseGrantedTotal Paid In: $4,990.00
DEBTOR MTN TO DISMISS
Matter ResolvedRequest
Adjourment		4912/6/2023 9:00 am22-19726 / CMGScott D. Sherman, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $4,874.00
***Trustee Order: $4,874 Ptd, then $1,053 x 49 starting 12/1/23, debtor shall sign up for TFS autopay and provide proof of sign-up within 14 days***

Debtor obj, made pymt, owes Nov<>ARREARS
Matter ResolvedRequest
Adjourment		5012/6/2023 9:00 am22-20136 / CMGRussell L. Low, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
If this is granted- conf on 12/6 should be adj

Tr obj<>Motion to Vacate Dismissal

WHAT IS STATUS OF TAX RETURNS? per atty :missing returns filed


mk: case was dismissed for estimated IRS and St of NJ claims and motion to address the NJ tax return for 2019 but not the federal return to IRS

debtor has made payment to be current
Matter ResolvedRequest
Adjourment		5112/6/2023 9:00 am22-20142 / CMGJohn Zimnis, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceGrantedTotal Paid In: $8,960.00
MTN FOR ERMA APPROVAL
Matter ResolvedRequest
Adjourment		5212/6/2023 9:00 am23-10310 / CMGSteven J. Abelson, Esq.Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $5,260.00
Debtor obj, made pymts<> US BANK/Coventry Terrace (RAS)

Post pet: 3,454.27
debtor says all paid no basis for motion
creditor says payment reversed for insufficient funds

>>TR MOTION ON 1/3/24- Debtor failed to pay 25,528 lump sum by 9/30/23 per terms of 7/5 confirmation
Matter ResolvedRequest
Adjourment		5312/6/2023 9:00 am23-10439 / CMGKevin C. Fayette, EsqTrustee Certification of DefaultContinued
1/17/2024 9:00 am		Total Paid In: $16,702.00
Debtor obj, can pay $2,500<> ARREARS $9,261 debtor back to work after illness needs time
Matter ResolvedRequest
Adjourment		5412/6/2023 9:00 am23-11176 / CMGAvram D White Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
1/17/2024 9:00 am
PLAN WAS DENIED ON 10/4 AND FAILED TO FILE MP

mk: filing MP today 12/5 to surrender property
Matter ResolvedRequest
Adjourment		5512/6/2023 9:00 am23-11217 / CMGJonathan Goldsmith-Cohen, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $14,326.00
MTN TO REFI/128 KYLE DR

debtors got ERMA AWARD-
Matter ResolvedRequest
Adjourment		5612/6/2023 9:00 am23-11531 / CMGGeorge E. Veitengruber, III, Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)Needs Resolution of Issues - Objections
Foxchase at Tinton Falls limited obj (McGovern)<>Lakeview Loan cert/no obj (McCalla)<> FENNEC CT

late objection on confirmation

Matter ResolvedRequest
Adjourment		5712/6/2023 9:00 am23-11732 / CMGRobert C. Nisenson, Esq.Trustee Certification of DefaultContinued
1/3/2024 9:00 am		Total Paid In: $1,289.00
payments made need to post

Debtor obj, attempting to pay<> ARREARS 2,170 as of 12/2/23 ;last pay 7/11/23
Matter ResolvedRequest
Adjourment		5812/6/2023 9:00 am23-11815 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order Previously Submitted
11//14/23(mk):CO submitted. Terms =Debtor shall docket a Motion To Sell by 4/1/24. unless its for an amt that pays off full amt to lender, any short sale subject to lender approval. Debtor to make AP payments to creditor 1800 begin 12/1/23.atty fees/costs $688 in plan

working on a CO on this extend sale of prop for 6 mos and debtor to pay AP to creditor

adj to 11/1 for ongoing settlement

Debtor obj<>MTG ASSETS MTGMT/PHH MTG -Terrace Ave (McCALLA RAYMER)

MK: home equity loan signed by debtor's spouse, now deceased. mtg co claims has rt to accelerate debt upon her death and should not be subject to the automatic stay.

CONF ON 10/4 :ISSUES/NEEDS RESOLUTION
Matter ResolvedRequest
Adjourment		5912/6/2023 9:00 am23-11823 / CMGDAVID A. SEMANCHIK, ESQMotion Reinstate StayNeeds Resolution of Issues - Objections
adj 12/6 for conduit order to circulate

AMT: TR LTR REQUESTING CONDUIT<<>>

Fay Servicing obj (Friedman Vertolo)<>FAY SERVICING/Lakewood AveMK: creditor agrees to reinstate stay and conduit going forward- pay arrears thru oct. directly to creditor and then conduit begin 11/1/

CONF 11/1/23 REC DISMISSSAL
Matter ResolvedRequest
Adjourment		6012/6/2023 9:00 am23-11918 / CMGBrad J. Sadek, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN FOR ERMA
Matter ResolvedRequest
Adjourment		6112/6/2023 9:00 am23-11920 / CMGLaurence R. Sheller, Esq.Application for RecapOrder Previously SubmittedTotal Paid In: $7,909.00
amt: per chambers, atty never provided proposed order, so hearing was scheduled. Proposed Order emailed to chambers.
Matter ResolvedRequest
Adjourment		6212/6/2023 9:00 am23-12022 / CMGLee M. Perlman, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $5,039.00
Debtor obj, made pymt<> ARREARS

email to atty 11/29(mk)- ok to terms
AMT: $2,000 POSTED 11/15. THAT IS THE ONLY PYMT SINCE JULY, BUT THE 100% PLAN RECAP IS FEASIBLE
$5,039 PTD (8); $ 1123 X 52 BEG 12/1/23
Matter ResolvedRequest
Adjourment		6312/6/2023 9:00 am23-12078 / CMGRobert Manchel, Esq.Motion Relief from Stay (Fee)Moot - Dismissed
SANTANDER/2019 Ram (MORTON)
Matter ResolvedRequest
Adjourment		6412/6/2023 9:00 am23-12078 / CMGRobert Manchel, Esq.Motion Relief from Co-Debtor StayMoot - Dismissed
SELENE FINC /Somerton Square (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment		6512/6/2023 9:00 am23-12396 / CMGJeffrey E. Jenkins, Esq.Motion Relief from Stay (Fee)Order Previously Submitted
12/5/23 Order submitted to pay arrears

FORT MONMOUTH HISTORIC HOUSING/Goselin Ave (NEAL RUBEN)

rent arrears.

Matter ResolvedRequest
Adjourment		6612/6/2023 9:00 am23-12564 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Continued
12/20/2023 9:00 am		Total Paid In: $8,624.00
mk: David Bruck rep. son , Dana Mangiafico never served with opposition - needs 2 weeks - adj to 12/20


Debtor obj<>DANA VINCENT MANGIAFICO TO PURSUE STATE CT ACTION (GREENBAUM, ROWE)

TR obj. joins debtor's objection and qualifies ratification by TR is in process
Matter ResolvedRequest
Adjourment		6712/6/2023 9:00 am23-12768 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
1/3/2024 9:00 am		Total Paid In: $1,400.00
mk: MP filed ( refi removed and now a sale plan)11/29/23- adj request for adj to MP date once fixed

Debtor obj, filed MP<>FAILED TO COMPLETE LM BY 10/1/23
Matter ResolvedRequest
Adjourment		6812/6/2023 9:00 am23-12963 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
1/17/2024 9:00 am		Total Paid In: $3,500.00
Debtor obj, filing MP<>FAILED TO COMPLETE LM BY 10/31/23; FAILED TO FILE ORDER RESOLVING SPS OBJ TO CONF WITHIN 30 DAYS OF 8/17/23 CONF ORDER
Matter ResolvedRequest
Adjourment		6912/6/2023 9:00 am23-12999 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $8,820.00
Debtor obj, filing MP<>FAILED TO LM BY 10/31/23; FAILED TO FILE FEE APP WITHIN 7 DAYS OF 10/4/23 CONF
Matter ResolvedRequest
Adjourment		7012/6/2023 9:00 am23-13568 / CMGJeffrey E. Jenkins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
12/20/2023 9:00 am
adj to 12/20 for proof of $ to be current thru DEC

debtor failed to appear at 341

Tr Limited obj: Needs to show has $ to bring case current
Matter ResolvedRequest
Adjourment		7112/6/2023 9:00 am23-13778 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $2,400.00
AMT: MP 12/6>

FAILED TO LM BY 10/3/23

MP filed 11/7/23. removed LM - debtor has a PI case
Matter ResolvedRequest
Adjourment		7212/6/2023 9:00 am23-13938 / CMGMICHAEL SCHWARTZBERG ESQMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $3,260.00
Debtor obj, will pay<>CAPITAL ONE /2019 Camry (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment		7312/6/2023 9:00 am23-14424 / CMGCandyce I. Smith-Sklar, Esq.Notice of Request for Loss MitigationGranted
REQUEST FOR LOSS MIT
Matter ResolvedRequest
Adjourment		7412/6/2023 9:00 am23-15097 / CMGKevin C. Fayette, EsqMotion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $7,244.00
order submitted 12/1/23

Debtor obj, will pay<>VW CREDIT/ 2022 VW (STEWART LEGAL)
Matter ResolvedRequest
Adjourment		7512/6/2023 9:00 am23-15135 / CMGJeffrey S. WaltersMotion Relief from Stay (Fee)Continued
12/20/2023 9:00 am
11/30:creditor request to adj to 12/20 as working on resolving - conf on 12/20

Debtor obj, pd arrears<>NEWREZ/SHELLPOINT - Lindsley Court (PINCUS)

post pet :1,356.58
debtor says has cured post pet arrears





Matter ResolvedRequest
Adjourment		7612/6/2023 9:00 am23-15541 / CMGPeter E. Zimnis, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $2,486.00
PHH MTG/DEUTSCHE BANK (ROBERTSON)

to be current by 11/15 std default ,fees
Matter ResolvedRequest
Adjourment		7712/6/2023 9:00 am23-15626 / CMGJonathan Goldsmith-Cohen, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $8,298.00
MTN TO APPV SETTLEMENT


AMENDED C FILED- OK TO G
total 34,497 and exempt 27,900 leaves 6,597,32 to TR

Tr Limited obj:

mk: lawsuit settlement- needs to file amended C for any proceeds claiming to be exempt otherwise ok


Matter ResolvedRequest
Adjourment		7812/6/2023 9:00 am23-15701 / CMGMelinda D Middlebrooks, EsqMotion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
12/20/2023 9:00 am		Total Paid In: $1,800.00
MTN TO EXPUNGE NATHALY CALLES POC # 18-1
Matter ResolvedRequest
Adjourment		7912/6/2023 9:00 am23-15705 / CMGGeorge E. Veitengruber, III, Esq.Motion SellNeeds Resolution of Issues - Objections
Shellpoint mtg limited obj (Friedman Vartolo)
WANTS LIEN TO BE PD IN FULL FORM CLOSING

<> MTN TO SELL HEATHER DR PPTY<>

MK:sale K 616,000
realtor retained
proceeds to Tr- plan needs to be confirmed at 100% ON 12/6 and has terms to that effect.
Matter ResolvedRequest
Adjourment		8012/6/2023 9:00 am23-15743 / CMGJoan Sirkis Warren, Esq.Motion Relief from Co-Debtor StayGrantedTotal Paid In: $4,322.00
SPECIALIZED LOAN /Winchester Ave(STEWART LEGAL)
Matter ResolvedRequest
Adjourment		012/6/2023 9:00 am23-15845 / JNPKEVIN C. FAYETTE, ESQUIREConfirmation Hearing ScheduledContinued
1/17/2024 9:00 am		Debtor has made 0 of 5 required payments   Arrears: $1,000.00  
ADJ to 1/17/24 (dm)
ISSUES AS OF 11/8/2023 (DM): updated 12/4/23.

***Atty has $800 to send in and has the majority of docs listed below. Will need an amended Sch I with current financial position***

1) Police & Fire FCU filed $549.15 arrears claim on 2017 Ford Explorer (OKAY TO PAY?? - yes)

2) Trustee Russo Notes:
- Need 2022 tax return - refund of $5,000 per Sch B.
- Need proof of insurance for 2017 Ford Explorer.
- Need Aug & Sept pay stubs for debtor (SHE DID NOT WORK IN AUG & SEPT).
- Need June & July bank statements for both Bank of America checking accts.
- Verified monthly disposable income is -$448.93. Need to review updated income.
- Non-exempt proceeds from lawsuit are to be turned over to the trustee.


Prop. Plan $200 x 60, Base Plan
PTD 0/4 = $0
Last Claim (8-1)
Matter ResolvedRequest
Adjourment		8112/6/2023 9:00 am23-15849 / CMGMelinda D Middlebrooks, EsqMotion Relief from Stay (Fee)Continued
12/20/2023 9:00 am
12/20/23 PEREMPTORY

ct calendar has this as order prev submitted but that was only an interim order that put this hearing on 12/6 w/ MP

12/1/23(mk)MP on 12/6 ISSUES/OBJECTIONS


10/18: Per CMG- portion of motion as to no co debtor stay is granted also
Submit scheduling order by debtor. debtor to file another Mp per issues argued in CT today. MP on 11/1/23 should be denied

10/18/23:Judge ruled co debtor stay is in effect it is a commercial loan not a consumer debt


Debtor obj<>CENTRUST BANK/Eliphamets Lane, MA (BROWN & CONNERY)


mk: debt pertains to commercial loan made by creditor to Computer Power Systems LLC and personally guaranteed by debtor and a Denise Campbell. gave mtg on real prop in Cape Cod- went into foreclosure. bkcy filing stopped Auction sale on prop. by creditor Centrust

Debtor says addresses claim in plan
Centrust pre pet arrears 1,083,588,25
Matter ResolvedRequest
Adjourment		8212/6/2023 9:00 am23-15884 / CMGJohn Zimnis, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition Filed
MTN RECLASSIFY #3 (Rittenhouse Park Comm Assoc)FROM SECURED TO UNSECURED

MK: debt says noting for claim to attach to for real prop.

Conf 12/6 : ISSUES
Matter ResolvedRequest
Adjourment		8312/6/2023 9:00 am23-15944 / CMGDonald C. Goins, Esq.Motion SellRevised Order SubmittedTotal Paid In: $630.00
51 HARRINGTON CIR

11/9/23:mk: case confirmed at 100% ( guc total $1,683.67) equity T/H 5,113 Order pays off balance of plan

Needs realtor and atty doing closing retained- BOTH HAVE BEEN DONE
Matter ResolvedRequest
Adjourment		8412/6/2023 9:00 am23-15966 / CMGKevin C. Fayette, EsqMotion Relief from Co-Debtor StayContinued
12/20/2023 9:00 am		Total Paid In: $4,870.00
debtor opp'n>PLANET HOME LENDING/WILMINGTON TRUST/Dudley Dr (FRIEDMAN)

debtor fell behind & can pay $ prior to hearing and hope to cap remainder
Matter ResolvedRequest
Adjourment		8512/6/2023 9:00 am23-16100 / CMGHerbert B. Raymond, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $4,500.00
Debtor obj, pymt in transit<>BELTWAY CAPITAL/Catherine St (DEMBO BROWN & BURNS)
Matter ResolvedRequest
Adjourment		8612/6/2023 9:00 am23-16113 / CMGPeter E. Zimnis, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition Filed
MTN TO RECLASSIFY POC#8 (Cucumber Capital LLC)FROM SECURED TO UNSECURED

UCC-1 basis for perfection and debtor says all her property is secured by an earlier UCC-1 so this claim is unsecured
Matter ResolvedRequest
Adjourment		8712/6/2023 9:00 am23-16113 / CMGPeter E. Zimnis, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - Objections
MTN TO EXPUNGE CLM (#10) of Family Business Funding

PROPSED ORDER IS BLANK AS TO TERMS FOR MODIFIED CLAIM
Matter ResolvedRequest
Adjourment		8812/6/2023 9:00 am23-16248 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Order Previously Submitted
Debtor obj, can cure by Dec<>FREEDOM MTG/Lake Barnegate Dr (Brock & Scott)

mk: Order submitted - cures arrears- full cure outside
Matter ResolvedRequest
Adjourment		9012/6/2023 9:00 am23-16456 / CMGRobert B Davis Motion Impose Automatic StayHold for Judge
Mk: creditor brief filed 9/28 Debtor reply filed late yesterday 10/17 to stay motion not in effect and debtor response to creditor opp'n on motion to reinstate stay on 11/9

US Bank obj ( Stern & E); debtor responses<>MTN TO IMPOSE THE STAY

Brief by creditor in1 week ( FILED DOC #21)

reply:by debtor 1 week after that and then hearing on 10/18

MK: this case filed 7/28/23.
341 on 10/12/23
1 PYMT POSTED 341 SCH 10-12

2 prior cases 2022 and 2023. now says going to sell home

creditor says no stay was in effect when prop was sold and co owner named in foreclosure. Sale occurred 8/3/23. Redemption period expired. property was sold to 3rd party.

need brief as to interplay b/w stay not in effect and co debor STAY


Matter ResolvedRequest
Adjourment		8912/6/2023 9:00 am23-16456 / CMGRobert B Davis Motion Confirming Automatic Stay is Not in EffectHold for Judge
US BANK MTN TO CONFIRM STAY IS NOT IN EFFECT(Stern & E)

Mk: creditor brief filed 9/28 Debtor reply filed late on 10/17

case filed 7/28/23:creditor says no stay was in effect when prop was sold and co owner named in foreclosure. Sale occurred 8/3/23 Redemption period expired. property sold to 3rd party

debtor says co debtor stay should apply as to sale void against her

need brief as to interplay b/w stay not in effect and co deboro stay

**Brief by creditor in1 week ( Filed #21)

**reply:by debtor 1 week after that then hearing on 10/18
DEBTOR FILED RESPONE LATE YESTERDAY
Matter ResolvedRequest
Adjourment		9112/6/2023 9:00 am23-16512 / CMGAnthony Sodono III, Esq.Motion Dismiss CaseContinued
12/20/2023 9:00 am
mk: parties trying to resole

MMU,LLC MTN TO DISMISS (Ragan & Ragan)

mk: adj request as parties discussing resolution
Matter ResolvedRequest
Adjourment		9212/6/2023 9:00 am23-16589 / CMGBruce C. Truesdale, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO FILE LATE POC/MARK VAYSBERG(LL)
Matter ResolvedRequest
Adjourment		9312/6/2023 9:00 am23-16624 / CMGRICHARD D ROBINSONMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Withdrawn
TR Objection:
Debtor cert insufficient: says case was dismissed for failure to pay filing fee
case was dismissed on conf as NO Payments, no 341 docs
cert does not speak to any of that

4,000 to bring case current as of Dec
Matter ResolvedRequest
Adjourment		9412/6/2023 9:00 am23-16771 / CMGRodney Nelson, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - Objections
11/28/23(mk):

Insurance on Weequahic Prop. goes thru 6/2024 BUT DOES NOT have personal liability coverage.
Proof of insurance was provided for Guisborough Way property on 11/21/23. 341 docs uploaded and atty has funds


Tr obj<>NO INSURANCE FOR 2 PROPERTIESAND DEBTOR HAD MADE NO PAYMENTS BEFORE THE CASE WAS DISMISSED

motion says debtor will provide docs when dismissal is vacated - NO all docs need to be in atty's possession and ready to upload as well as proof of all payments needed to bring case current


Matter ResolvedRequest
Adjourment		9512/6/2023 9:00 am23-16773 / CMGSteven J. Abelson, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
will there be a revised order on this adding language to satisfy wells fargo?

>>OST<<

Wells Fargo limited obj (Powers)- NEEDS TO PAY OFF MTG LIEN; Trustee limited obj<>MTN TO SELL TRINITY PL


Plan is 100%- lots of equity in RE needs realtor appointed(Application filed 12/2/23- so this resolves Tr obj.)- ORDER has balance of plan- plan set to be confirmed at 100%

Bar date passed and total guc claims $11,041.11
Matter ResolvedRequest
Adjourment		9612/6/2023 9:00 am23-16990 / CMGJay L. Lubetkin, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToMoot
MK: MARKED MOOT SINCE THE CLAIM WAS ALREADY AMENDED


AMT; MOOT/#2-3 AMENDED T0 $0<<>>

EXPUNGE CLM IRS #2-2
Matter ResolvedRequest
Adjourment		9712/6/2023 9:00 am23-16990 / CMGJay L. Lubetkin, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition Filed
MTN TO EXPUNGE STATE OF NEW JERSEY #4-1

H. Anderson for St Of NJ says will be amended claim 12/6- she does not objection to motion
Matter ResolvedRequest
Adjourment		9812/6/2023 9:00 am23-16997 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
Debtor obj, actively marketing ppty; Creditor response<>GENTLE DENTAL PROVIDERS (PIOTR RAPCIEWICZ)

Creditor has j'ment and charging lien-
debtor says actively marketing property- will be paid at sale or Mp to pay thru plan-

>>CONF 10/18- NO 341 AND AS OF 10/6 NO 341 DOCS
Matter ResolvedRequest
Adjourment		9912/6/2023 9:00 am23-16997 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
Debtor obj, marketing ppty<>FAY SERVICING/Vineyard Dr (FRIEDMAN VARTOLO) on Dug Out Drive property- seeking In Rem relief

3rd filing - prop at sheriffs sale several times

>>CONF 12/6 STILL NO 341

case is 3 mos old as of Nov
Matter ResolvedRequest
Adjourment		10012/6/2023 9:00 am23-17160 / CMGMarc C. Capone, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO AUTHORZE CONT' OF CASE

mk: SON HAS DURABLE POWER OF ATTY FOR DEBTOR, MOM

CASE NEEDS A A 341 DATE
Matter ResolvedRequest
Adjourment		10112/6/2023 9:00 am23-17199 / CMGMarc C. Capone, Esq.Motion Requesting RedactionJudge to Reserve DecisionTotal Paid In: $4,950.00
Matter ResolvedRequest
Adjourment		10212/6/2023 9:00 am23-17433 / CMGKarina Pia Lucid, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
MP filed and on for 12/6> ISSUES/OBJECTIONS<<

debtor is listing house for sale- needs MP w/in 14 days adj to 11/15 for filing and if filed will adj MFR to Mp date

Debtor obj; Creditor response<>JEAN WISNIEWSKI (PICKUS & LANDSBERG)

MK: creditor has Final j'ment of Foreclosure.
plan is not confirmable. not enough income to support plan.

debtor says: working with family members to find ways to increase the household income in order for the plan to be feasible. Debtor may also list the house for sale, which would pay all claims in full through the sale proceeds. If stay relief is granted, only the secured creditor would be paid.

TR arrears as of 10/9 are 1,200 - which is 1 payment (1/2 payments due)
Matter ResolvedRequest
Adjourment		10312/6/2023 9:00 am23-17518 / CMGVINCENT ANSETTIMotion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
1/3/2024 9:00 am
US Bank obj (Romano Garubo); mk;Tr objection= has been resolved

TR objection: debtor did not submit any 341 documents and his certification does not address if he has
submitted all required documents to his attorney as well as has the the funds to be current so that the
case can go forward if the motion was granted
Matter ResolvedRequest
Adjourment		10412/6/2023 9:00 am23-17833 / CMGMelinda D Middlebrooks, EsqMotion Approval to Participate in the Court's Loss Mitigation ProgramWithdrawn

PHH obj (RAS)<>LOSS MIT

CONF IS REC DISMISSAL
Matter ResolvedRequest
Adjourment		10512/6/2023 9:00 am23-18152 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
Debtor obj, working on LM, offers conduit<>PHH MTG / Alexander Drive (ROBERTSON, ANSCHUTZ)

Motion to Approve participation in Loss mit on 12/20
Matter ResolvedRequest
Adjourment		10612/6/2023 9:00 am23-18675 / CMGPRO SEOrder Shorten TimeNeeds Resolution of Issues - Objections
>>OST<<


Debtor obj<>MFR/LANDLORD, ROBERT HIKEL

PRE PET RENT 7,950 POST PET RENT 8,010
Matter ResolvedRequest
Adjourment		012/6/2023 9:00 am23-18701 / CMGPRO SEMotion Motion (Generic) - Only use if no other event is applicableOrder Previously Submitted
order(#31) was entered on this motion on 11/15/23


MOTION CONFIRMING AUTOMATICE STAY IS NOT IN EFFECT (AVALON WATCH APTS -GRIFFIN ALEXANDER)
Matter ResolvedRequest
Adjourment		10712/6/2023 9:00 am23-18935 / CMGPeter E. Zimnis, Esq.Motion SellNeeds Resolution of Issues - Objections
TR Recommends case should be dismissed then sell RE and then refile. atty does not want to dismiss. will appear and explain

12/4/23(mk: debtor to provide cert w/ supporting docs for insurance $ and how he spent it

12/1/23(mk) some info. on Insurance and property condition was emailed to mk- reviewing it and will update notes

mk: atty needs more time to provide info. requested below.

Tr obj<> MTN TO SELL RIVERIA DR PPTY- sale K 147,500. mtg claim is 146,608.32

11/13/23(mk): Email to atty requesting further info:
: Need a certification from debtor that explains and provides the following info:

1. Deed- who owns the property? MK: Deed says Richard and Joseph Picerno)

2. The Insurance claim submitted to NJM- need all documentation submitted with that claim and they must have done an INSPECTION- we also want a copy of that report.

3. Copy of the insurance check and details w/ documentation on the expenditures that were made and what account holds any remaining funds form insurance.

4. CMA from a realtor as to current condition and value.

Motion says insurance $ was insufficient to to repair damage- no disclosure of amt rec'd or what was done w/it.
341 on 11/30/23
also of 11/9 no docs except 2022 tax return
petition has potential malpractice vs law firms and title companies)

Matter ResolvedRequest
Adjourment		10812/6/2023 9:00 am23-19388 / CMGRobert B Davis Motion Impose Automatic StayNeeds Resolution of Issues - Objections
Berkshire Bank obj (K&L Gates, LLC)<>MTN TO EXTEND STAY

TR OBJ:mk: motion not timely filed
as of 11/3: no 341 docs stiil np docs as of 12/1/23

prior case was dismissed 9/6/23 . Stay Relief was granted and unresolved objections by Tr including failed to file a feasible plan and creditors objections

Debtor says chg in circumstances is that B'ness has improved and intends on selling some inventory 63,000 to cover arrears to Berkshire Bank and new plan will allow him to cover SBA and Home Equity payments
Matter ResolvedRequest
Adjourment		10912/6/2023 9:00 am23-19848 / CMGRichard F. Fried, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGranted
LOSS MIT/FREEDOM MTG
Matter ResolvedRequest
Adjourment		11012/6/2023 9:00 am23-20388 / CMGKevin C. Fayette, EsqMotion Extend TimeGranted
MTN TO CON'T STAY

Timely filed but

have plan and 341 docs
Matter ResolvedRequest
Adjourment		012/6/2023 9:15 am22-10330 / CMGFRANCIS P CULLARI, ESQMotion Relief from Stay (Fee)WithdrawnTotal Paid In: $6,023.00
mk: W/D - as duplicate

CLEARBROOK COMMUNITY ASSOC (BECKER & POLIAKOFF)
Matter ResolvedRequest
Adjourment		11112/6/2023 10:00 am18-17695 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 54 of 68 required payments   Arrears: $920.00  Total Paid In: $34,746.00
ISSUES AS OF 12/1/2023 (DM):

***On 2/1/23, the debtor's MP was confirmed upon the condition that debtor sign up for TFS auto pay to address the poor payment history which was not done - debtor missed the next 4 months of payments. Then on 8/2/23, the debtor's MP was confirmed on the condition that debtor's sign up for TFS eWage and provide proof within 14 days based upon the continued poor payment history and to address plan feasibility. The debtor has failed to provide proof of eWage sign-up, is once again behind on Trustee payments, and would need to increase payments to $1,096 per month to fund the plan. RECOMMEND DISMISSAL***


Confirmed Case: $32,466 Ptd, $640 x 21 start 8/1/23, Base Plan
Prop. MP: $516.70 x 66, $812.27 x 18, Base Plan
- Student Loans outside
PTD = $34,746
Last Claim (12-3) dated 1/2/20
Matter ResolvedRequest
Adjourment		11212/6/2023 10:00 am19-15753 / CMGHerbert B. Raymond, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 42 of 57 required payments   Arrears: $537.00  Total Paid In: $22,502.00
ISSUES AS OF 11/27/2023 (DM):

 11/1/23 (mk): tax return has not been filed yet - atty wants 30 days to 12/6 - needs to send in with proof to Trustee. (TAX RETURN UPLOADED 12/5/23 - dm)

1) State of NJ filed $9,066.48 post-petition priority claim that includes estimated taxes for 2021 not treated in the plan (UNRESOLVED).

2) Oaks at North Brunswick (Anthony Chirles, Esq) OBJs - MP proposes $10,517.50 treatment for post-petition condo fees - amount needed through September is $15,937.50 - need a claim or consent order to pay this claim (ORDER DOC #138 ENTERED TO PAY $12,847 THROUGH PLAN).

3) MP proposes $27,784.09 treatment to US Bank. Truste has a $26,801.26 total payout to US Bank for pre-petition, post-petition and fees. There is a 982.83 difference between the Plan and what the Trustee has on file based upon claims/orders (PAY PER CLAIMS AND ORDERS??)


Confirmed Case: $7,530 Ptd, $346 x 4, $492 x 56, Base Plan
Prop. MP: $20,374 Ptd, $532 x 6 start 8/1/23, $1,176 x 26, Base Plan
- post-petition condo dues pay after Admin Claims
PTD = $22,502
Last Claim (11-1) dated 10/16/23
Matter ResolvedRequest
Adjourment		11312/6/2023 10:00 am19-16297 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 35 of 57 required payments   Arrears: $3,112.00  Total Paid In: $33,644.00
As of 12/1/23 (DS): Ok to confirm at $33,644 paid, $450 x 4 begin 1/1/24; $1,006 x 23 begin 5/1/24; 100% due to non-exempt equity $243,512.77.
- Sale of Blaine Ave by 2/1/24, plus non-exempt proceeds from sale to Trustee (pre-petition and post-petition arrears not to be paid per C/O entered 11/30/23).
- Santander claim#10-1U $6,992.87 to be paid in full, due to unsecured being paid 100%.


1. Wilmington Savings (LOGS LEGAL GRP) obj to sale of real property is speculative and post-petiion arrears owed are not in the plan. C/O ENTERED 11/30/23 TO PAY PRE-PETITION AND POST-PETITION ARREARS AS WELL AS REMAINDER BALANCE OF MORTGAGE CLAIM, UPON SALE OF REAL PROPERTY AND SALE TO COMPLETE NO LATER THEN 2/1/24. CERT OF DEFAULT BY CREDITOR IS SCHED 2/7/24, IF NOT COMPLETE.

2. Trustee obj to the following:
- Listing agreement provided 11/29/23 now shows sale of Blaine Ave property for $560,000 and will require an amended Schedule C to take remaining d(5) exemption $7,831.
- Need 2 months recent proof of income.
- Add to confirming order non-exempt proceeds from sale to Trustee.

MP Prop $593.50 x 55; $450 x 6; $773.43 x 23; Base and Sale of Blaine Ave by 4/30/24
- Sells Blaine Ave property and adds Trustee arrears. No post-petition mortgage payments to be made pending sale.
Matter ResolvedRequest
Adjourment		11412/6/2023 10:00 am21-15049 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 76 of 30 required payments   Arrears: $629.00  Total Paid In: $47,976.00
AS OF 11/28/23 (SF)

RECOMMEND $47,976 PTD, $738 X 31 (BEGIN 12/1/23) BASE PLAN W/MIN $31,420 TO GUCS
- PAY $40,909.66 TO NJ CLASS AND BALANCE OF CLAIM WILL BE PAID OUTSIDE
- N/E PROCEEDS FROM POTENTIAL LAWSUITS AGAINS NISSAN AND NJ HIGHER EDUCATION TO BE TRUNED OVER TO TRUSTEE

Trustee motion to dismiss 12/6 at 9 for failure to file modified plan. (MP FILED)

MP proposes $629 x 40 Base
Plan has run 29 months with 31 months remaining
Per MK, treatment of Student loan in plan is ok

Matter ResolvedRequest
Adjourment		11512/6/2023 10:00 am22-11974 / CMGRoman Akopian Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 18 of 21 required payments   Arrears: $2,098.00  Total Paid In: $12,271.00
ISSUES AS OF 11/29/2023 (DM):atty ok to terms(mk)

***RECOMMEND CONFIRMATION AT $12,271.42 PTD, THEN $655 x 40 STARTING 12/1/23, BASE PLAN, WYNNFIELD CONDO ASSN BI-FURCATED POC (2-1) SHALL BE PAID AS FILED, U.S. DEPT. OF HUD POC (5-1) SHALL BE TREATED AS SECURED UNAFFECTED, THE TRUSTEE SHALL MAKE NO FURTHER PAYMENT ON CAPITAL ONE POC (4-1) UNLESS AN AMENDED DEFICIENCY CLAIM IS FILED***


Confirmed Case: $6,197.60 Ptd, $681 x 51, Base Plan
Prop. MP: Ptd, $653.41 x 42 start 10/1/23, Base Plan
PTD = $12,271.42
Last Claim (15-1) dated 8/2/22
Matter ResolvedRequest
Adjourment		11612/6/2023 10:00 am22-12439 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 17 of 21 required payments   Arrears: $1,492.00  Total Paid In: $25,599.00
AS OF 11/17/2023 (at):

RECOMMEND: $24,117 PAID TO DATE, $2,195 x 40 BEGINNING 12/1/2023, 100% PLAN
Preserve non exempt equity of $127,591.
Debtors' attorney must file a fee application within 7 days of the entry of the order confirming the plan.

MP proposes: $22,635 paid to date, $2,168 x 40 beginning 12/1/2023, not less than $100 to unsecured creditors
Arrears: $1,492
Matter ResolvedRequest
Adjourment		012/6/2023 10:00 am22-12954 / JNPJENKINS LAW GROUPConfirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 7 of 10 required payments   Arrears: $771.00  
ISSUES AS 12/4/2023 (DM):

1) Freedom Mtg (BROCK & SCOTT) OBJs - pre-petition arrears not treated in the plan (CONSENT ORDER ENTERED TO PAY ARREARS)

2) Trustee Balboa OBJ:
- Objection to expenses that exceed IRS standards - see Doc #70.

3) Trustee Balboa Notes:
- Wells Fargo/Bob's Furniture filed $389.18 secured/$1,259.36 unsecured claim that is not treated in the plan (PAY POC AS FILED??)
- Need amended Sch I: Atty advised that Debtor is no longer a part-time bartender so line item should be removes. Also, there is -$1,229.06 in monthly net disposable income. Plan is NOT feasible, please review. (UNRESOLVED)
- When does Mt. Ephraim Board of Ed pension loan payment ($392.14 bi-weekly) end, when was it taken out, what is the payoff, and what was the original amount? (STATEMENT PROVIDED, AS OF 9/30/23, SHOWS 19 MONTHLY PAYMENTS LEFT AT $1,196.64/PER MONTH).
- When does Cenlar pension loan payment ($265.39 bi-weekly) end for spouse, when was it taken out, what is the payoff, and what was the original amount? (UNRESOLVED)
- Per Plan Ch 7 Trustee (Finberg to be paid 5440: need claim or Order) fee order lost in space between application, followed by dismissal/conversion. (ORDER ENTERED12/16/22).
- Based upon POI submitted Debtor is above-median and Trustee's 122c-2 requires 100%.
- CMA disclaimer (only received comps). Also, CMA is from May 2022 (UNRESOLVED).
- Need Tax Declaration form (UNRESOLVED).
- Need 2022 tax return (RECEIVED).
- Need back up for alleged utility expenses and phone bill. Bills to prove utility expense and phone bill (RECEIVED).

Otherwise, would need $1,285 Ptd, then $1,060 x 54 (beg. Sept. 2023) 100% due to Trustee's 122c-2. Atty Fees $4,150/$4,150.


Prop. Plan $257 x 36, $0 Plan
PTD 7/10 = $1,799
Last Claim (13-1)
Matter ResolvedRequest
Adjourment		11712/6/2023 10:00 am22-15172 / CMGBrian W. Hofmeister, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 77 of 18 required payments   Arrears: $0  
Total Paid In: $15,400.00
12/4/23(mk) atty may have deal w/ mtg co where debtor's daughter is going to pay off the pre and pot pet. arrears- told him needs TR Review

AS of 11/27/23(mk):

>MFR FOR CO DEBTOR STAY ON FOR 12/20/23

1. Objection by JP Morgan Chase( Fein Such):
- not feasible to pay full claim interest thru plan
-plan has inconsistent terms- 6500 in part 1 and 8500 in part 9

2. Trustee objection:
- need proof of extra funding for plan per plan Part 1 b.
- plan payment needs to be north of 8,800 and prob. higher depending upon full mtg claim interest


MP proposes:$6500 X 45 BEG 12/2023; BASE
INCREASE TRUSTEE PAYMENT
1ST MTG TO BE PAID O/S (SELECT PORTFOLIO)
SECOND MTG TO BE PAID IN PLAN (JPMORGAN CHASE)
Matter ResolvedRequest
Adjourment		11812/6/2023 10:00 am22-15649 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 7 of 17 required payments   Arrears: $4,255.00  Total Paid In: $5,992.00
AS OF 12/4/23 (SF)

RECOMMEND $5,992 PTD, $220 X 2 (BEGIN 11/1/23); $355 X 19 (BEGIN 1/1/24) BASE PLAN

Note: Debtor made payment of $440 via epay on 12/4 which has to post and the calculations above include arrears of $2553.



1. Debtor has not made a payment since August. Arrears are $2553 through October 2023.


MP proposes $220 x 21 Base
Plan has run 16 months with 20 months remaining
Arrears: $2553 through October.

RESOLVED ISSUES:

-The plan proposes to reduce payment. Schedule I was amended. Need current proof of income for the last 60 days and a copy of 2022 Tax Return. (RECEIVED)




Matter ResolvedRequest
Adjourment		11912/6/2023 10:00 am22-16911 / CMGScott E. Tanne, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 7 of 3 required payments   Arrears: $13,119.00  Total Paid In: $10,871.00
12/4/23 (sf) Per Atty, ok to dismiss

As of 11/16/23 (DS): 1. Mod plan states Vanderbilt mortgage arrears cured by agreement with mortgage post-petition. Need amended claim or consent order to state no arrears owed. Arrears owed pre-petition $19,583.33 and post petition $14,326.24.

2. No Trustee payment made for Oct and Nov. 2023, case reconverted 9/26/23.

MP Prop $9,104.55 PTD; $1,260 x 47 begin 10/1/23; 100% - Addresses creditors post re-conversion.
Matter ResolvedRequest
Adjourment		12012/6/2023 10:00 am22-19098 / CMGNicholas Fitzgerald, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 13 required payments   Arrears: $1,746.00  Total Paid In: $10,675.00
11/20 workup for the 12/6 calendar EDC

Trustee objection:
The MP will remove the payment increase. Will need amended proof of income and 2022 tax returns in order to approve MP. May also need amended J if change to expenses EDC

MP 852 x 55 beg 12/1/23 pro rata min of $2000
Matter ResolvedRequest
Adjourment		12112/6/2023 10:00 am22-20136 / CMGRussell L. Low, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 12 required payments   Arrears: $0  

Pending Motion to Vacate Dismissal - if granted, confirmation should be adjourned (dm)
Matter ResolvedRequest
Adjourment		12212/6/2023 10:00 am23-10677 / CMGPRO SEConfirmation Hearing ScheduledContinued
1/17/2024 12:00 pm		Debtor has made 7 of 11 required payments   Arrears: $6,684.00  
PER CHAMBERS- ADJ PEREMPTORY TO 1/17/24 PER CT.IF DEBTOR IS NOT ABLE TO FIND AN ATTY HE MUST PROCEED SELF REPRESENTED

11/17 workup for the 12/6 calendar EDC

HELD FOR JUDGE or adj to 12/6/ at noon per interim order ?- waiting to hear back from parties>.INTERIUM ORDER ENTERED STAY REINSTATED Creditor Veteran Affairs yup to 12/6 and creditor to file as supplement to POC including a Full loan hstory etc.

MK: G.Miller declined to represent debtor and returned debtor's retainer funds- she is to file a w/d of the notice of appearnace.

*Georgette Miller is now attorney for debtor---filed MP $1650 x 60--calls for adversary to avoid final judgement--MILLER NO LONGER REPRESENTS HIM

3 payments in arrears($4,783.50) through october
case is 9 months old and last plan was denied

*Trustee motion to dismiss on for 12/6
*Motion to reinstate stay on for 12/6-AN INTERIM ORDER IS IN PLACE UNTIL THEN

*creditor has issued a writ of possession-
--Bank got SV on 7/5 on the debtors home. Case is not feasible

*Veterans Affair mortgage has objection to plan but SV so plan not feasible

* Debtor previously unable to appear on 6/7/23 . adj to 7/19 Peremptory. Previously Debtor wife left voice mail debt has Jury duty. In April debtor contacted CT for an adj. he is in process of retaining an atty and had a death due to death in family. Creditor was cc on ct's email and the debtor is current w/ TR payments



**Trustee obj to the following:
- Need a mod plan that completes Part 5, Part 6 and Part 8a and 8c. Plan proposes to avoid mortgage lien in Part 7. However, this appears to be the only mortgage on the property and is therefore an improper modification of the mortgage. Also need Trustee standard order of distribution.
- There is non-exempt equity in real property $144,889.82.
- Debtor has failed to provide proof of service with respect to Plan Motions.

2. Secretary of Veterans Affairs (PINCUS LAW GRP) obj to arrears nt in plan and plan motions to avoi
Matter ResolvedRequest
Adjourment		12312/6/2023 10:00 am23-11531 / CMGGeorge E. Veitengruber, III, Esq.Order Vacate Dismissal of CaseNeeds Resolution of Issues - ObjectionsDebtor has made 9 of 10 required payments   Arrears: $250.00  
12/5/23 (sf)

Late Limited objection just filed by Foxchase at Tinton Falls (McGovern Legal Services) - The Association requests proposed order be revised to include language that their secured claim be attached to proceeds of the sale and shall be paid in full and be paid all outstanding post-petition fees in full at closing

11/27 workup for the 12/5 calendar - Atty ok with terms

***$2250 paid then $350 x 51 beg 12/1/23-pro rata-- trustee to pay IRS priority claim--mortgage claims to be paid at sale--trustee to receive any non-exempt proceeds from sale by 1/31/24---Trustee shall pay NJ MOTOR VEHICLE COMMISSION/NJSVS, claim #4-1 a secured amount of $2,770.97 . The unsecured portion in the amount of $1,000 shall be paid pro rata with other general unsecured creditors pursuant to the terms of confirmation.-----Trustee shall pay Foxchase at Tinton Falls II Association claim #5-1 a secured amount of $9,097.97 in full unless the the trustee is ordered otherwise. The unsecured portion in the amount of $10,812.22 shall be paid pro rata with other general unsecured creditors pursuant to the terms of confirmation.

-low base pending sale

10/24/23(mk): per atty- just rec'd a signed K. going to expedite title work and will file Motion to sell It will be free and clear of liens because the unsecured portion of HOA impairs exemption. We agreed with hoa to pay post petition arrears as well as secured portion at closing in form of cotbs.---NO MOTION TO SELL HAS BEEN FILED- was -filed 11/14/23

-- NJDVC objection to conf plan fails to pay their secured claim STILL NEED TO RESOLVE( Atty saysmotion to sell is free and clear and home is affordable housing - plan will need to continue after sale)

-- 2 mtg co have stay relief


> Case was dismissed back in August as no efforts to sell the real property. MOTION TO VACATE DISMISSAL WAS GRANTED AND ORDER
ENTERED 10/4/23 PROVIDED:
conf 11/1/23. Motion to sell real property be filed 14 days from Order vacating dismissal along wih ap
Matter ResolvedRequest
Adjourment		12412/6/2023 10:00 am23-11648 / CMGCarrie J. Boyle, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 8 of 9 required payments   Arrears: $0  
Total Paid In: $7,280.00
As of 11/21/23 (DS): Confirm at $7,280 paid, $354 x 28 begin 12/1/23; 100% with a minimum dividend $55,135.68 to gucs due to non-exempt equity and fee app within 7 days

MP Prop $354 x 29 begin 11/1/23; 100%
- Debtor received a loan mod, which cured majority of mortgage arrears, but arrears $1,928.66 still owed, adds additional attorney fees and reduces payment, but remains 100%.
Matter ResolvedRequest
Adjourment		12512/6/2023 10:00 am23-11815 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 9 required payments   Arrears: $350.00  

AR RESOLVE OR HOLD

ISSUES AS OF 11/29/2023 (DM):

***This is a 1 creditor case. Based upon CO submitted on MFR, need okay from Mortgage Assets Management to confirm with a low base pending the sale***

 MRF scheduled for 12/6/23 (CO SUBMITTED - SALE BY 4/1/24 WHICH CAN BE AMENDED).

1) Mortgage Assets Management (McCalla) OBJs - refinance is speculative and circumstantial (UNRESOLVED).

2) Trustee OBJ:
- Need amended Sch A/B and C to add real property (NOTE - Inherited property and Deed has not been transferred).

***RESOLVED ISSUES***

A) Trustee OBJ:
- There is $16,985 non-exempt equity in real property and $13,550 non-exempt equity in 2017 Nissan EV Van for a $30,535 total (LANGUAGE ADDED).
- Need 2021 and 2022 tax returns (RECEIVED).


Prop. Plan $350 x 60, 100% Plan
- refinance of Terrace Ave by 9/1/23
PTD 8/8 = $2,800
Last Claim (1-1)
Matter ResolvedRequest
Adjourment		12612/6/2023 10:00 am23-11823 / CMGDAVID A. SEMANCHIK, ESQConfirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 7 of 9 required payments   Arrears: $2,700.00  
12/4/23 - Atty ok with terms

adj 12/6 for conduit order to circulate

RECOMMEND CONFIRMATION AT:
$9450 PAID THEN $1350 X 1 BEG 12/1/23 THEN $4875 X 51 BEGINNING 1/1/24-100%-CONDUIT PAYMENTS--STUDENT LOANS PAID OUTISDE OF THE PLAN--OTBS US BANK WITHIN 15 DAYS




*Plan is not feasible due to stay lift

*Fay Servicing/US Bank got stay lift on 330 Lakewood Ave Berkely NJ
-objection also Fay
-atty has creditor ok to file a motion to reinstate stay on for 11/1

*2022 IRS estimated still

Trustee objection:
---Need proof of insurance for the 2008 BMW. the insurance is expired
---There is $45,575 in non exempt equity in the Santander bank account. (100% plan )
--Need to resolve the estimated claim filed by the IRS.
--Need to resolve the objection filed by US Bank.



$1350 X 60 BEG 4/2023; 100%
Matter ResolvedRequest
Adjourment		12712/6/2023 10:00 am23-11836 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 12 of 9 required payments   Arrears: $0  
Total Paid In: $5,400.00
AS OF 11/17/2023 (at):

RECOMMEND: $5,400 PAID TO DATE, $450 x 52 BEGINNING 12/1/2023, BASE
Loan modification by 10/31/2024.

1. Need amended J reflecting trial period mortgage payment and proof of same. (RECEIVED)

MP proposes: $4,500 paid to date, $450 x 54 beginning 10/1/2023, loan modification by 10/31/2024, (the debtor was given a 12 month trial period for a potential loan modification which begins in October 2023, and ends in September 2024), base
Payments: current with $300 credit
Matter ResolvedRequest
Adjourment		12812/6/2023 10:00 am23-11864 / CMGNicholas Fitzgerald, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 7 of 9 required payments   Arrears: $1,662.00  Total Paid In: $6,365.00
As of 11/21/23 (DS): 1. Need proof of income from unemployment.

2. Plan fails to add the arrears owed to JPMorgan Chase claim#7-1 previously confirmed to pay arrears.

MP Prop $6,165 PTD; $100 x 12 begin 11/1/23; $1,196 x 41 begin 11/1/24; 100%
- Debtor's has been laid off as of 10/31/23 and is expected to find full time employment within 12 months. Plan still paus 100%.
Matter ResolvedRequest
Adjourment		12912/6/2023 10:00 am23-12396 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 6 of 9 required payments   Arrears: $1,958.00  
11/17 Workup for the 12/6 calendar EDC
SAME AS LAST TIME

*3 payments arrears

*MFR Fort Monmouth Housing on for 12/6(no opp'n filed by debtor)

* We need to use trustee standard distribution

*IRS filed estimated 2021 priority claim-WERE THEY FILED?

*Plan has attorney balance of $0. Trustee will not pay unless plan amended

*NJ att general cert of consent on 11/13 but no order

*Trustee Objection:
--Need Proof of 2 month's income - for August and September from new job that started
7/31/23.
--Amendments to Schedules B and C to add correct amount in bank accts checking
$5,267 and savings $28.
--The debtor(s) plan consists of unnecessary or excessive expense items, such as: Food
$595, Clothing $300 and auto insurance $110 (verifies $76).
--Based on new employment, income verifies much higher and deducting excessive expenses,
disposable income verifies $2,117.
--The Plan fails to provide for a prompt cure of rental arrears. OK PLAN HAS OVER 22 MONTHS
-- Must file Pre-confirmation certificate.


$100 x 1 begin 4/2023; $985 x 48 begin 5/2023; $0

Matter ResolvedRequest
Adjourment		13012/6/2023 10:00 am23-12456 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
1/3/2024 10:00 am		Debtor has made 6 of 9 required payments   Arrears: $2,100.00  
ISSUES AS OF 11/29/2023 (DM):

 Trustee to retain appraiser to get value with repairs (ORDER ENTERED AUTHORIZING RETENTION OF APPRAISER - 11/27/23 EMAIL SENT TO DEBTOR'S COUNSEL ASKING FOR INFO REGARDING REPAIRS FOR APPRAISER).

 MK: Atty advises equity based on old CMA - home needs repairs - he now has a new appraisal and will submit with repairs info - appraisal DOES NOT include consideration for repairs.

 10/13/2023 (at): RECOMMEND $2,800 PATD, $1,191 x 53 BEGINNING 11/1/2023, 100% PLAN, Preserve non-exempt equity of $49,125 in real and personal property.

1) Trustee OBJ:
- Excessive Expenses: Home maintenance $300, Electricity/heat/gas $502, and Medical/Dental $561.
- There is $41,342 estimated non-exempt equity in real property, $1,050 in 2013 Chrysler, $3,500 in 2010 Subaru, and TD Bank (pending recent bank statements - NON-EXEMPT EQUITY IN PERSONAL PROPERTY IS $6,733).

***RESOLVED ISSUES***

A) Lakeview Loan Servicing (McCalla) OBJs - failure to cure $4,276.63 arrears (MP PAYS ARREARS AND NO OBJECTION TO MP).

B) Need direction with respect to $3,350 balance of attorney fees for previous attorney, Karina Lucid (ORDER DOC #38 ENTERED DISGORGING FEES ALREADY PAID).

C) Trustee OBJ:
- Need amended schedules to include husband's new job (AMENDED).
- Need proof of income for husband's new job with Hilton Hotels (RECEIVED).
- Need 2 months bank statements for TD Bank (RECEIVED).
- Need to file Pre-Confirmation Certificate (FILED).
- Plan does not specify treatment of US Dept of HUD (MP LISTS HUD).


Prop. Plan $2,100 x 1, unknown amount x 4, $700 x 55, $28,000 Min Div
PTD $4,200
Last Claim (14-2)
Matter ResolvedRequest
Adjourment		13112/6/2023 10:00 am23-12959 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 7 of 8 required payments   Arrears: $400.00  
12/4 - per Wayne email, okay to confirm (dm)
ISSUES AS OF 11/20/2023 (DM): updated 12/4/23.

***RECOMMEND CONFIRMATION AT $2,800.40 Ptd, then $3,250 x 53 starting 12/1/23, 100% Plan with $33,467 threshold preserved, Trustee shall make no further payment on Santander POC (5-1) unless an amended deficiency claim is filed after application of insurance payment***

 Response Doc #39 filed 11/10/23 (dm)

 email with calculation sent to attorney on 11/9/23.

MICHELS PIPELINE INC Earnings Statement 3/31 - 6/30
$40,220.50 total net for 15 pay stubs.
Divide total net by 15 equals $2,681.36 for average pay stub.
Multiply average by 4.33 (paid weekly) to get $11.610.28 for average monthly income.

MICHELS TRENCHLESS INC Earnings Statement 7/14 - 8/4
$19,679.70 total net for 5 pay periods between 7/7 - 8/4
Divide total net by 5 equals $3,935.94 for average pay stub.
Multiply average by 4.33 (paid weekly) to get $17,042.62 for average monthly income.

OTIS MINNESOTA SERVICES LLC Pay Stubs 9/1, 9/8, and 9/15
Note: we are missing some pay stubs based upon Ytd numbers from 9/1 stub.
$14,018.38 Ytd net for 6 pay periods between 8/11 - 9/15
Divide total net by 6 equals $2,336.39 for average pay stub.
Multiply average by 4.33 (paid weekly) to get $10,116.56 for average monthly income.

MAXIM CRANE WORKS LP Pay Stubs 9/28, and 10/2
$4,691.60 total net for 2 pay periods.
Divide total net by 2 equals $2,345.80 for average pay stub.
Multiply average by 4.33 (paid weekly) to get $10,157.31 for average monthly income.

FURINO AND SONS INC Pay Stubs 10/11, 10/18, 10/25, 11/1
$14,830.15 total net for 4 pay periods.
Divide total net by 4 equals $3,707.53 for average pay stubs.
Multiply average by 4.33 (paid weekly) to get $16,053.60 for average monthly income.

TOTALS
$93,440.33 NET FROM ALL 5 JOBS ABOVE BETWEEN 3/31 - 11/3
DIVIDE TOTAL BY 32 PAY PERIODS TO GET $2,920.01 FOR AVERAGE PAY STUB.
MULTIPLY AVERAGE BY 4.33 (paid weekly) TO GET $12,643.64 AVG MONTHLY INCOME.

***Trustee still needs
Matter ResolvedRequest
Adjourment		13212/6/2023 10:00 am23-13778 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 7 required payments   Arrears: $400.00  Total Paid In: $2,400.00
AS OF 11/29/23 (SF)

1. Objection filed by Nationstar Mortgage (RAS) - The Modified Plan proposes to fund the Plan in 12 months from a speculative personal injury settlement.

2. Trustee motion to dismiss scheduled for 12/6 at 9

MP proposes $550 x 55 BASE; Funds from personal injury settlement in 12 months
Removes Loan mod and adds PI Case.
Plan has run 6 months with 54 months remaining

Matter ResolvedRequest
Adjourment		13312/6/2023 10:00 am23-13978 / CMGJennifer L. Kearney, Esq.Confirmation Hearing on Modified PlanContinued
12/20/2023 10:00 am		Debtor has made 6 of 7 required payments   Arrears: $1,200.00  
mk: adj to 12/20 PEREMPTORY to resolve Objection of Bridgecrest/Carvana

11/27 workup for the 12/5 calendar EDC

MP $1,200 x 60 begin 6/1/23; 100%


** Need to resolved---Bridgecrest/Carvana-2019 Dodge (FONTANA & NAPOLITANO) obj to cram. Must resolve.


-------------------
RESOLVED
1. Trustee obj resolved-MP 100%
- CMA dated 1/30/23 has 2 comps from 2021 and 2 from 6/2022. Will use the most 2 recent estimated value $487,500. THERE IS NON-EXEMPT EQUITY $107,104.38. CASE WILL NEED TO BE CONFIRMED AT 100% TO ALL UNSECURED CLAIMS TO DATE GUCS FILED $51,308.46.
- Excessive expenses on Sched J: Electricity/heat/gas $527.76, Water/sewer/garbage $245.63, Tele/cell/cabler/internet $445.25 and Food $879.
- Schedule I fails to add tax refund $1,477.
- Must resolve all creditor objections.
** TIAA, FSB filed arrears $2,644.94. Trustee ok to pay? trustee will pay since 100% plan
- Amended Schedules B and C to add TD Bank checking acct#3279 and OceanFirst checking acct#1692. THERE IS NON-EXEMPT EQUITY $133.52 IN OCEANFIRST#1692, $1,642.79 IN TD BANK#3279 PER BANK STATEMENTS (UPDATED TD BANK STATEMENTS PROVIDED). OK EDC
2. Capital One Auto-2018 Cadillac (LAVIN, CEDRONE, GRAVER) obj to cram. Must resolve.( Mk: ORDER SUBMITTED 11/1/23 OAY TOTAL OF $24,586.08 TRU PLAN)
Matter ResolvedRequest
Adjourment		13412/6/2023 10:00 am23-14108 / CMGPaul H. Young, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 5 of 7 required payments   Arrears: $400.00  
ADJ to 1/17/24 Peremptory (dm)
AR RESOLVE OR HOLD
CO submitted on MFR.
issues as of 11/15/2023 (JMA)

1) SN Servicing/US Bank (Friedman Vartolo) objection to confirmation - need to resolve
-arrears $94,991.92
2) Trustee objection to confirmation - need to resolve
- Need a P&L for February - April 2023 with a detailed breakdown of expenses and supporting documentation.
- 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): The debtor's 2022 income shows income of approximately $100,000 yet the schedules show minimal monthly income of $1100 monthly. The debtor must provide a certification regarding this discrepancy.
- Need to resolve objection by SN Servicing.
- Debtor must provide proof that Trustee was added as loss payee to all motor vehicle and real estate insurance policies based upon vesting at discharge or the confirming order
- Must provide for vesting at confirmation.
3) There is $2,368.52 non-exempt equity in debtor's home. mortgage balances lower based on filed claims

proposed plan $200x60 base plan with sale by 11/30/2023
paid in $1,000
arrears $200
last claim 9

Matter ResolvedRequest
Adjourment		13512/6/2023 10:00 am23-14240 / CMGJohn Zimnis, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 2 of 7 required payments   Arrears: $2,140.00  
AS OF 11/17/2023 (at):

RECOMMEND: $3,000 PAID TO DATE, $1,594 X 54 BEGINNING 12/1/2023, 100% PLAN
Preserve non exempt equity of $61,922 in real estate.

1. Objection filed by Rahmani Bacha - moot. 100% plan so creditor will be paid.

2. Trustee's objection:
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- AS of now there is 45,960 equity in real property.
- Need cert from debtor as to the two liens on real property by Burlington City. (RECEIVED)

Modified plan before confirmation proposes: $2,400 paid to date, $600 x 2 beginning 10/1/2023, $1,540 x 54 beginning 12/1/2023, 100% plan
Payments: 5/6, arrears $600
Matter ResolvedRequest
Adjourment		13612/6/2023 10:00 am23-14285 / CMGJoseph Casello, Esq.Confirmation Hearing ScheduledContinued
12/20/2023 10:00 am		Debtor has made 6 of 7 required payments   Arrears: $800.00  
ISSUES AS OF 11/29/2023 (DM):

***If debtor's counsel is asserting that the judgment in #1 below is unsecured, then he needs to move against the claim***

1) Middlebrooks Shapiro (S. Mitnick) OBJs to confirmation based upon disposable income - $219,016.30 judgment filed (RESPONSE DOC #29 FILED BY THE DEBTOR).

 Note - IRS priority claim amended to $3,922.37 and State of NJ priority claim amended to $1,384.52.

2) Need proof of $500 estimated tax payments added to amended Sch J (MOOT BASED UPON DISPOSABLE INCOME CALCULATION).

3) Trustee OBJ:
- Tax refund of $5,500.87 was not prorated and included in disposable income calculation.
- Need to file Pre-Confirmation Certification (FILED).
- Need amended Sch I & J (FILED).
- Need proof of income (RECEIVED).


Prop. Plan $800 x 36, Base Plan
PTD 6/6 = $4,800
Last Claim (3-2)
Matter ResolvedRequest
Adjourment		13712/6/2023 10:00 am23-14359 / CMGADAM SCHNEIDER, ESQConfirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 6 of 7 required payments   Arrears: $250.00  
AS OF 12/5/2023 (at):

CASE IS 6 MONTHS OLD.

1. 341 has not been held or rescheduled.
2. Payments: 6/7, arrears $250
Matter ResolvedRequest
Adjourment		13812/6/2023 10:00 am23-14424 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 7 required payments   Arrears: $400.00  
11/21 workup for the 12/6 calendar EDC


$2000 paid to date then $400 x 5 beginning 12/1/23 then $775 x 49 beg 5/1/24 pro rata------Trustee will pay mortgage claim pending loan mod----proof of wife's employment and proof of income by 2/1/24 --- loan mod by 3/31/24 --- student loans outside of the plan


MP filed
$320 X 5; $400 X 5; $723.47 X 50; LM BY 3/2024; BASE

* ARE STUDENT LOANS OUTSIDE? outside

*City of Burlington Utility did not file claim. Trustee will not pay unless claim filed-removed from MP

1) SN Servicing/USBank (Friedman Vartolo) objection to confirmation - need to resolve
-pre-petition arrears $34,831.56--ARE WE PAYING PENDING LM IF RESOLVED? pay pending

2) American First Finance LLC filed claim 15 for $553.27 - not treated in plan, either pay claim or move against it--TRUSTEE WILL PAY PER MP

proposed plan $400x6 begin 6/1/2023 $529.41x54 begin 12/1/2023 base plan

----------------------
RESOLVED
-Need to file Pre-Confirmation Certification with Court RESOLVED, FILED
-auto insurance renewal, policy provided expires 8/6/2023, confirmation hearing is 8/16/2023(d
Matter ResolvedRequest
Adjourment		13912/6/2023 10:00 am23-14460 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 6 of 7 required payments   Arrears: $2,833.00  
As of 12/5/23 (DS): Ok to confirm at $16,998 paid, $3,062 x 53 begin 1/1/24; 100% to gucs with a minimum dividend $206,482.04, due to non-exempt equity;
- Trustee to pay IRS claim#1-2 in the amount $4,382.78.
- SN Servicing to file late claim and Motion to allow Trustee to pay late filed claim to be done within 30 days.

1. No claim filed by Select Portfolio, bar date passed, Plan proposed to pay $124,080.47. Must file claim and motion for late filed claim needs to be filed. PER EMAIL FROM DEBTOR ATTY HE REACHED OUT TO RAS CITRON TO GET THEM TO FILE CLAIM.

2. IRS amended claim owed $4,382.78 priority, which is not in plan.

3. There is non-exempt equity in real property $202,874.72 (pending mortgage claim, not filed) and bank acct $3,607.32.

As of 10/13/23 (DS): Debtor attorney requested adjournment to resolve estimated tax claims.

10/18/23 (DS): 1. Trustee obj to the following:
- There is non-exempt equity in real property $202,874.72 and bank acct $3,607.32 total $206,482.04.

Prop Plan $2,833 x 60 begin 6/1/23; Base
Note: IRS and State of NJ claims amended, no longer estimated.
Matter ResolvedRequest
Adjourment		14012/6/2023 10:00 am23-14645 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 6 of 7 required payments   Arrears: $2,600.00  
MP in 14 days- reminder set

11/20 workup for the 12/6 calendar

*Debtor to withdraw MP and file new MP based on less equity EDC

mk: sent in info to IRS- and APOC will be filed and atty says debtor has agreed to the 90,844.54 - the claim is listed as estimate but pending review of return so per AR pay per claim at the 90,844.54 -atty to email edc on other issue

10/24 workup for the 11/1 calendar EDC
same as last time
1. The IRS filed an estimated priority claim #2 which needs to be amended. (STILL ESTIMATED)

2. Rocket Mortgage filed a secured arrears claim #7 in the amount of $810.32 which is not in the plan. Is the debtor going to pay this claim? (PER ATTORNEY - OK TO PAY)

3. Trustee's objection:
- The debtor must provide a CMA regarding the inherited property on Livingston Ave in (mk:prop is in a Trust and not an estate and will amend schs)
Edison and provide a copy of the will showing that she has a 1/8th interest. (NEITHER RECEIVED)
- Need to resolve the bifurcated claim #11 filed by M &T Bank. (UNRESOLVED) MK: NO ARREARS - SO ADD PROPER LANG FOR TREATMENT

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification. (FILED)
The debtor has failed to supply the Trustee with the following document (s):
- Need proof of insurance for the 2021 Kia. (RECEIVED)
- The current Plan does not specify treatment of Rocket Mortgage arrears claim under the Plan. (IS THE DEBTOR GOING TO PAY THIS CLAIM? - YES)
- Need April and May bank statements for Wells Fargo account #5675. (RECEIVED - THERE IS $496 IN NON EXEMPT EQUITY)
- The plan must be confirmed with any non-exempt inheritance proceeds to be turned over to the trustee. (LANGUAGE ADDED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $50,279 in non exempt equity in the residence. (LANGUAGE ADDED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $355
Matter ResolvedRequest
Adjourment		14112/6/2023 10:00 am23-14785 / CMGJoel R. Spivack, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 8 of 6 required payments   Arrears: $0  

AS OF 12/5/2023 (at):

PEREMPTORY.

RECOMMEND: $11,400 PAID TO DATE, $2,800 x 54 BEGINNING 1/1/2024, BASE
Preserve non exempt equity of $31,320.00 in real and personal property.
Late claim #13 will be paid pro rata with other general unsecured creditors through the plan.

1. Objection filed by Abigail Cimini (debtor's daughter) - per contract with ex-wife Diana Cimini, debtor is to contribute to payment of student loans. Plan lists these loans will be paid outside by Abigail. (RESOLVED - CLAIM WITHDRAWN)

2. Need outcome of Adversary Proceeding filed by Abigail Cimini. (AP RESOLVED)

3. Trustee's objection:
- Reviewed income for new job and Amended Schedule J. Monthly disposable income is $3,438. (deductions for medical and 401k not accounted for as they are not being deducted right now)

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification. (FILED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $5,205, pending review of bonus pay stub (MOOT, DEBTOR RECENTLY LOST HIS JOB).
- Reviewed Form 122C, monthly gross income is $17,143 and monthly disposable income
is $5,563 which requires a $333,830 minimum dividend to general unsecured creditors (MOOT, DEBTOR RECENTLY LOST HIS JOB).
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - with comparatives sold within 6 months of filing. (RECEIVED - THERE IS $3,905 IN NON EXEMPT EQUITY - LANGUAGE ADDED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $27,415 in non exempt equity in the bank accounts. (LANGUAGE ADDED)
- The Schedules fail to account for the debtor(s) tax r
Matter ResolvedRequest
Adjourment		14212/6/2023 10:00 am23-14816 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 6 required payments   Arrears: $1,650.00  
MP in 14 days- reminder set

12/4/23(mk) atty write that :debtor states that her student loans were forgiven under public service loan forgiveness, however, because of the flood damage to her home, she does not have the forgiveness paperwork handy. We would like to treat the student loans outside the plan to allow the debtor to resolve this with the servicer and will need to do a modified plan


AS OF 11/30/2023 (at):

RECOMMEND: $3,950 PAID TO DATE, $2,337 x 55 BEGINNING 12/1/2023, 100% PLAN
Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
Order of distribution is per the plan.
Debtor shall update the trustee on insurance claim for damage to home within two (2) months of confirmation.
Preserve non exempt equity of $140,091 in real estate.

1. Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)

2. Objection filed by Specialized Loan Servicing (Stewart Legal) - failure to cure full arrears of $45,668.41. (MOD PLAN PAYS FULL ARREARS AND NO OBJECTION TO MODIFIED PLAN)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Updated auto insurance (expired 9/16/23) (RECEIVED)
- 2 months bank statements from TD
Bank acct prior to filing date. (RECEIVED)
- A Modified Plan that marks Part 8a upon confirmation or provide proof of all
insurances with Trustee name. (MOD PLAN FILED)
- The current Plan does not specify treatment of Charles Spellman $1515.65 and Surgicare
of Freehold $1214.69 under the Plan. (MOD PLAN PAYS IN FULL)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
There is non-exempt equity in real property $140,091 and TD Bank acct (pending bank
statements from TD Bank). (LANGUAGE ADDED)
- debtor to update TR on insurance claim for damage to home w/in 2 mos.
Matter ResolvedRequest
Adjourment		14312/6/2023 10:00 am23-14917 / CMGDonald C. Goins, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 5 of 6 required payments   Arrears: $281.00  Total Paid In: $1,405.00
As of 11/21/23 (DS): Ok to confirm at $1,405 paid, $281 x 31 begin 12/1/23; 100% due to non-exempt equity and Trustee standard order of distribution
(Plan to be paid off sooner)

MP Prop $281 x 36 begin 7/1/23; 100%
- Debtor obtained loan mod.
Matter ResolvedRequest
Adjourment		14412/6/2023 10:00 am23-15039 / CMGJennifer L. Kearney, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 6 required payments   Arrears: $480.00  
AS OF 11/17/2023 (at):

RECOMMEND: $960 PAID TO DATE, $288 x 31 BEGINNING 12/1/2023, BASE
Claims will be paid according to the trustee's order of distribution.

1. The NJ Division of Taxation filed an estimated priority claim #8 which needs to be amended. (NO LONGER ESTIMATED)

2. Trustee's objection:
- The debtor has insufficient income.

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification (FILED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution, and does not provide for equal monthly payments as required by 1325(a)(5)(iii)(l). (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION)

Plan proposes: $240 x 36 beginning 7/1/2023, base
Payments: 4/5, arrears $240
Matter ResolvedRequest
Adjourment		14512/6/2023 10:00 am23-15054 / CMGChristopher G. Cassie, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 6 required payments   Arrears: $565.00  
ISSUES AS OF 11/29/2023 (DM): updated 12/5/23.

 11/15/23 (Mk): needs 2 weeks to review w/ our office on the numbers and home value.

***Based upon updated CMA received, THE DEBTOR NEEDS $2,825 PTD, THEN $1,062 x 55 STARTING 12/1/23, MINIMUM DIVIDEND OF $51,874 BASED UPON EQUITY IN REAL ESTATE AND PERSONAL PROPERTY, U.S. DEPT OF HUD POC (1-1) SHALL BE TREATED AS SECURED UNAFFECETD***

1) Plan does not specify treatment of US Dept of HUD - no arrears owed (ADD TO CONFIRMING ORDER TO BE TREATED AS SECURED UNAFFECTED).

2) Trustee OBJ:
- Form 22c has disposable income of $323.91, which requires $19,434 minimum dividend to GUCs. Disposable income verifies at $889 per month.
- Need updated CMA with comps - CMA is dated 1/29/23 (RECEIVED - THERE IS $53,000 NON-EXEMPT EQUITY - updated numbers using the Refined Value in the updated CMA).
- There is non-exempt equity in real property, pending updated CMA with comps, 2017 Land Rover of $3,331.25 and bank accts total $3,815.85 (Credit Union savings $610.24 and 674.40, Credit Union checking $2,077.32, ABCO FCU checking $156.21 and savings $296.68).
- Need updated auto insurance - expired 9/23/23 (RECEIVED).
- Need to file Pre-Confirmation Certificate (FILED).
- Debtor has failed to file a feasible plan - need plan that propose tier plan when $540 car payment ends in month 12 (MK: per atty car loan ends in 2 years last pay oct 2025).
- Capital One filed $10 arrears claim (PER ATTY, OKAY TO PAY).


Prop. Plan $565 x 60, Dollar Base $17,841
PTD 5/5 = $2,825
Last Claim (20-1)
Matter ResolvedRequest
Adjourment		14612/6/2023 10:00 am23-15236 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $155.00  
AS OF 11/27/2023 (at):

RECOMMEND: $469 PAID TO DATE, $1,261 x 57 BEGINNING 12/1/2023, 100% PLAN
Claims will be paid according to the plan.
Preserve non exempt equity of $6,958 in real and personal property.
(Verified income leaves monthly disposable income of $3,338)

1. Objection filed by Wells Fargo Bank (LOGS) - failure to cure arrears of $1,001.78 (Per POC) (RESOLVED - PAY PER POC)

2. Trustee's objection:
- Amendments to Schedules B to add Old Glory Bank acct #3755 owned jointly with
spouse and provide bank statements for June. (NOT AMENDED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Home
maintenance $350, 2nd mtg payment $200 (per HUD payment not due until 3/1/46), education/childcare $450, plus $500 for school expenses including tuition (religious), auto
insurance $475 (verifies $428) and spouse debts/expenses $1,200. Must provide proof of
expenses 10 days before confirmation. (NOT RECEIVED)
The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Income verifies much higher for Debtor ($8,444) than scheduled ($5,117). Income was calculated by $31,276.66/8 pay stubs = $3,909.59 average x 2.16.
- Must file Pre-confirmation certificate. (NOT FILED)

RESOLVE ISSUES:
The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $3,318 non-exempt equity in real property and estimated bank accts for Ally
Bank and Old Glory Bank pending bank statements. (NON EXEMPT EQUITY OF $3,640 IN ALLY ACCOUNT)
The debtor has failed to supply the Trustee with the following document (s):
- Ally Bank statements from 5/16/23 to 6/16/23. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,63
Matter ResolvedRequest
Adjourment		14712/6/2023 10:00 am23-15500 / CMGRodney Nelson, Esq.Order Vacate Dismissal of CaseRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 6 required payments   Arrears: $594.00  
issues as of 11/29/2023 (JMA)

ok to confirm at $306 paid to date, $566x31 begin 12/1/2023 with minimum $13,101.07 to gucs 100% plan

1) Trustee objection to confirmation - need to resolve
- A copy of the homeowner's insurance renewal declaration - if not confirmed by 12/6/23, insurance expires 12/15/23 - STILL NOT PROVIDED
- Updated auto insurance, if not confirmed by 12/6/23 (insurance expires 12/2/23) -STILL NOT PROVIDED
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): - 22c Line 45 shows that there is disposabe income $7,813.98, which would require minimum dividend $468,838 to gucs.
- Proof of income also verified much higher than Schedule I. Sched I has $3,654.54 (Debtor) and $4,624.81 (spouse) with total $8,279.35. Where as proof of income for Debtor $3,725.16 and spouse $5,618.20 plus tax refund $1,031.75. Bar date has passed with total unsecured claims filed $13,101.07. Case needs to be 100% to unsecured.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $11,181 when determining disposable income.

proposed plan $150x60 base plan
paid in $306
last claim 12
Matter ResolvedRequest
Adjourment		14812/6/2023 10:00 am23-15521 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 6 required payments   Arrears: $200.00  
AS OF 11/17/2023 (at):

RECOMMEND: $200 x 60 BEGINNING 7/1/2023, REFINANCE BY 7/1/2024, 100% PLAN
Preserve non exempt equity of $76,079.00 in real estate.
Need order resolving objection by Ally within 30 days of confirmation.
Low base pending refinance.

1. Objection filed by Cascade Funding Mortgage Trust (McCalla) - failure to cure arrears of $158,078.69 (Per objection, proof of claim filed is for $0 arrears. (OBJECTION WITHDRAWN 10/17/23)

2. Objection filed by Ally Capital (Lavin Cedrone) - 2017 Nissan Maxima's value is oversecured and must be paid in full. Creditor wants $18,631.67. (UNRESOLVED)mk: ok to Pay the 18,631.67

3. Trustee's objection: 100% plan
-TD Bank #8644 balance as of 5/12/2023 $13,853.96 not $12,500 - need amended Schedules A/B and C (NOT AMENDED)
- Schedule J does not include mortgage expense
- Disposable net income is negative with son contribution

RESOLVED ISSUES:
- Ally Capital (Lavin Cedrone) objection to confirmation - 2017 Nissan Maxima must be
paid in full through plan (UNRESOLVED - LISTED ABOVE)
- Cascade Funding Mortgage Trust AB1 (McCalla Raymer) objection to confirmation -
arrears $158,078.69 - need to resolve (WITHDRAWN)
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - policy expires 9/30/2023,
need renewal confirmation hearing 10/18/2023 (RECEIVED)
- need renewal of auto insurance, policy expires 9/30/2023 (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):
EQUITY IN RESIDENCE $76,079 (LANGUAGE ADDED)

Plan proposes: $200 x 60 beginning 7/1/2023, refinance by 7/1/2024, 100% to unsecured creditors
Payments: 5/5
Matter ResolvedRequest
Adjourment		14912/6/2023 10:00 am23-15553 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 6 required payments   Arrears: $1,121.00  
11/20 workup for the 12/6 calendar EDC
mk: still needs to provide tax return>>still need to resolve estimated IRS tax claim (TAX RETURN RECEIVED. STILL WAITING FOR AMENDED IRS CLAIM)

ADJ LAST TIME to resolve tx claims

** Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - for 2022. (JUST RECEIVED)


-------------------
RESOLVED, FILED
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
10/31/23(mk)1) Carrington Mortgage Services, LLC/Deutche Bank (Hill Wallack LLP) objection to confirmation - need to resolve
-approximate pre-petition arrears $74,135.66; CLAIM #8 FILED WITH ARREARS IN THE AMOUNT OF $74,443.91 Order submitted resolving obj in #1- pay poc #8-1 arrears $74,443.91

- Must resolve IRS estimated tax claim. STILL ESTIMATED
- Must file Pre-confirmation certificate. STILL NOT FILED
3) IRS priority claim 2 is estimated for 2020 and 2022 taxes - need to resolve

proposed plan $1,121x60 base plan
paid in $3,363
last claim 17
Matter ResolvedRequest
Adjourment		15012/6/2023 10:00 am23-15705 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 5 required payments   Arrears: $200.00  
ISSUES AS OF 11/29/2023 (DM): updated 12/5/23. Charles Wohlrab, Esq okay with proposed terms (dm)

Per Atty, okay to pay late gas claim (dm)

***If parties agree to confirm now at 100% due to pending sale, THEN DEBTOR WOULD NEED $800 PTD, THEN $17,273 BY 12/31/23, 100% PLAN WITH $199,835 THRESHOLD PRESERVED, SALE OF HEATHER DRIVE PROPERTY BY 12/31/23, NO PAYMENT OR RESERVE BY TRUSTEE ON US BANK POC (5-1) OR SANTANDER BANK PER PLAN CLAIM. OTBS BY US BANK WITHIN 30 DAYS. TRUSTEE IS AUTHORIZED TO PAY NJ GAS LATE POC (6-1) IN THE AMOUNT OF $1,516.32***

 11/15/23 (Mk): filed motion to sell on 12/6 - it will be 100% based on sale of RE.

1) Shellpoint Mtg/US Bank Trust (Friedman Vartolo) OBJs - total debt claim of $181,262.36 matures 6/1/2026 (UNRESOLVED).

2) Plan provides $126,922.61 secured treatment to Santander Bank for a 2nd mtg on Heather Dr. property - no POC filed (STRIKE AND ADD PAYMENT OF CLAIM AT SALE??)

3) Trustee OBJ:
- Excessive Expenses: $820 utilities. Need proof of excessive expense 10 days prior to confirmation.
- Tax refund of $6,895 was not prorated and included in disposable income calculation.
- There is $245,799 non-exempt equity in the residence. Needs to be 100% plan.
- Need to file Pre-Confirmation Certification (FILED).
- Need updated information, when available, with respect to the estate of the debtor 's father (DEBTOR IS THE EXECUTRIX - THE DEED TO HEATHER DRIVE PROPERTY IS STILL IN THE NAME OF THE DEBTOR'S PARENTS).

 10/11/2023 (JMA): Received Letters of Administration naming debtor administration of estate.


Prop. Plan $200 x 60, Base Plan
- sale of Heather Dr. by 12/1/23
PTD 4/4 = $800
Last Claim (6-1)
Matter ResolvedRequest
Adjourment		15112/6/2023 10:00 am23-15720 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 5 required payments   Arrears: $0  

AS OF 11/29/23 (SF)

1. Objection filed by Pennymac Loan Services (Jill Manzo) - failure to pay arrears in the amount of $55,388.54

2. Motion for Relief filed by Pennymac Loan Services scheduled for 12/20/23 at 9

3. Trustee objection:

- The debtor has insufficient income Verified income leaves monthly disposable income of -$6,533.48.

- The debtor has failed to file a feasible plan.

- Need a copy of the last filed tax return - 2022 prior to confirmation. (STILL NEED)

- There is $221,727 in non exempt equity in real estate. (100% plan )

- There is $74,962 in non exempt equity in the vehicles.

4. Will need to be a low base



Plan proposes $500 x 60 100% plan; Sale by 8/1/24
Payments: 3/3

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification. (FILED)


Matter ResolvedRequest
Adjourment		15212/6/2023 10:00 am23-15764 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 5 required payments   Arrears: $0  

As of 12/4/23 (DS): Ok to confirm at $300 x 5 begin 8/1/23; $913 x 55 begin 1/1/24; Base with a minimum dividend $7,975 due to non-exempt equity and add to confirming order Trustee ok to pay the arrears claim of Rocket Mtg claim#3-1

10/18/23 (DS): 1. Trustee obj to the following:
- Excessive expense for car payment $650.
- After reviewing income from Farro HVAC, disposable income verifies $1,795.
- Arrears claim filed Rocket Mortgage $3,851.61. Trustee ok to pay?
- There is $1,700.01 non-exempt equity in OceanFirst acct#1423 and $974.12, Debtors 1/2 interest in OceanFirst acct#1439 total $7,975.

Prop Plan $300 x 36 begin 8/1/23; Dollar Base $5,000
Matter ResolvedRequest
Adjourment		15312/6/2023 10:00 am23-15822 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 5 required payments   Arrears: $3,437.00  
ISSUES AS OF 11/29/2023 (DM):

***Debtor has only made 1.5 or 4 Trustee payments with the last payment received in September - RECOMMEND DISMISSAL***

1) State of NJ filed $4,540.51 priority claim that includes estimated taxes for 2019 - 2022 not treated in the plan (UNRESOLVED).

2) Prestige Financial (MORTON) OBJs to cram on 2019 Nissan Rogue since it was purchased less than 910 days from filing (UNRESOLVED).

3) Trustee OBJ:
- Must file Pre-Confirmation Certificate (UNRESOLVED).

***RESOLVED ISSUES***

A) IRS filed $3,688.60 amended priority claim that includes estimated taxes for 2020 not treated in the plan (AMENDED TO $0).

B) IRS filed an amended general unsecured claim that includes estimated taxes for 2019 (AMENDED).

 Motions to expunge POC (2-1) GRANTED, POC (3-1) CLAIM WITHDRAWN, POC (4-1) GRANTED, POC (5-1) MOTION WITHDRAWN, and POC (12-1) OTBS TO EXPUNGE WITH $500 ATTY FEE.

C) Trustee OBJ:
- Need 2022 Tax returns for Debtor only (RECEIVED).

Note: Service to motions in plan done 8/17/23.


Prop. Plan $982 x 60, Base
PTD 1.5/4 = $1,473
Last Claim (1-6)
Matter ResolvedRequest
Adjourment		15412/6/2023 10:00 am23-15849 / CMGMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledContinued
12/20/2023 10:00 am		Debtor has made 5 of 5 required payments   Arrears: $12,000.00  
issues as of 11/16/2023 (JMA)

1) Centrust Bank (Brown & Connery) objection to confirmation - need to resolve
- business loan was personally guaranteed by debtor and is secured by the Cape Cod property
- claim 1,083,588.25 secured, $892,825.54 unsecured with arrears of $348,360.15
2) Trustee objection to confirmation - need to resolve
- Business profit & loss statements
- Business forms - for Computer Power Systems. When back up and running, 6 months after confirmation
- Need proof of insurance for the 2005 Land Rover.
- 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 $15,685.41.
- The amount of debt in the debtor(s) Plan exceeds the statutory limit for secured or unsecured debt pursuant to 11 U.S.C.  109(e).
Secured debt totals $3,216,746 and exceeds the statutory limit for secured debt.
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service on Centrust Bank. Moot as they appeared at 341 and will file an objection.
- Need to file Pre-Confirmation Certification.
- The IRS filed an estimated claim for 2022 which needs to be amended STILL NOT RESOLVED
3) Ally Bank filed secured claim #7 for 2013 Ford Transit Connect Extended passenger Van XLT with arrears in the amount of $156.50
4) Not current with Trustee plan payments with arrears in the amount of $10,000
5) Modified plan now proposes to pay Centrust Bank outside the plan - need Consent Order

proposed plan $14,000 paid to date, $2,000x56 begin 12/1/2023
paid in $10,000
arrears $12,000
last claim 11
Matter ResolvedRequest
Adjourment		15512/6/2023 10:00 am23-15884 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $375.00  
UPDATED 11/30/2023
issues as of 11/15/2023 (JMA)

1) Trustee objection to confirmation - need to resolve
- Non-exempt proceeds from water contamination claims to Trustee. - ADD TO CONFIRMING ORDER
4) Rittenhouse Park Community Association filed secured claim #3 in the amount of $6,729.97. Plan does not treat this creditor - MOTION TO MODIFY CLAIM TO AN UNSECURED CLAIM - SCHEDULED FOR 12/6/2023, NEED OUTCOME

proposed plan $375x36 base plan plus non-exempt proceeds from claim
paid in $1500
arrears $375
last claim 8

RESOLVED ISSUES:
- Need to provide a copy of the last filed tax return - for 2022 or cert of non -filing tax returns - RESOLVED - PROVIDED CERTIFICATION ASKING FOR WAIVER PROVIDING LAST RETURN, HASN'T FILED IN 12 YEARS DID NOT EARN ENOUGH INCOME REQUIRING FILING
- Must file Pre-confirmation certificate - FILED, RESOLVED
2) Select Portfolio Servicing, Inc (Fein Such) objection to confirmation - RESOLVED CONSENT ORDER, PAY ARREARS THROUGH PLAN
3) Renovateopco Trust filed claim #5 has arrears in the amount of $761.64. Plan does not provide for payment of arrears. Debtor either pays arrears through plan or move against claim - PER ATTY ARREARS TO BE PAID THROUGH PLAN, RESOLVED
Matter ResolvedRequest
Adjourment		15612/6/2023 10:00 am23-16113 / CMGPeter E. Zimnis, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 5 required payments   Arrears: $1,440.00  
AS OF 11/29/23 (SF) DEBTOR IS NOT CURRENT WITH PAYMENTS ARREARS: $1440

1. Motion for Relief by Bridgecrest 12/20 at 9

2. Motion to Reclassify Cucumber Capital to unsecured 12/6/23 at 9

3. Motion to Expunge claim 10 Family Funding Business 12/6/23 at 9

4. Plan proposes Adequate protection payments to Family Business Funding in the amount of $200. (Need Order)

5. Objection filed by Family Business Funding LLC (Joseph Devine) - objects to cram

6. IRS filed estimated priority claim 1-3 (NEED AMENDED CLAIM)

7. Carvana filed arrears claim 4-1 for $389 which is not addressed in plan. (Okay to pay?)

8. Cucumber Capital LLC filed secured UCC-1 claim 8-1 in the amount of $31,853.75 which is not addressed in the plan (OK TO PAY?) MOTION FILED TO RECLASSIFY

9. Trustee objection:

- Need Business profit & loss statements

- Need Business forms

- The profit & loss statement may show additional income.




Plan proposes $500 x 1, $720 x 59 Base
Payments: 2/4 Arrears: $1440

RESOLVED ISSUES:
- Motion to Use Cash Collateral and provide for Adequate protection payments (denied)
-Need to file Pre-Confirmation Certification with Court (FILED)
Matter ResolvedRequest
Adjourment		15712/6/2023 10:00 am23-16150 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 4 of 5 required payments   Arrears: $1,600.00  
11/21/23 (SF) Adj. for attorney to provide updated paystubs.

Cert provided that debtor's income fluctuates. Debtor must provide all pay stubs for July through November 2023 to determine if there is a change in income.



AS OF 10/24/23 (SF) Atty requests adj to respond to trustee obj and provide supporting docs.

RECOMMEND $4800 PTD, $3095 X 45 (BEGIN 11/1/23); 100% PLAN W/MIN DIV OF $282,453 TO GUCS PER 122C
- OK TO PAY ARREARS CLAIM 7-1 TO LP FINANCIAL INC
- ROADRUNNER FINANCIAL, INC FOR 2022 CAN-AM OUTLANDER ATV IS SURRENDERED IN FULL SATISFACTION
- PRESERVE NONEXEMPT EQUITY OF $71,411 IN REAL ESTATE AND PERSONAL PROPERTY IN CONFIRMATION ORDER
- ATTORNEY TO FILE FEE APPLICATION FOR HOURLY FEES OF $3000 WITHIN 7 DAYS OF ENTERED CONFIRMATION ORDER

Note: due to excessive income, plan recommended at 48 months

1. The Roadrunner Financial claim lists a 2022 CAN-AM Outlander ATV. The plan states 2023.

2. LP Financial Inc filed bifurcated claim 7-1 for $867.48 secured and $351.47 unsecured and $1218.95 arrears (OK TO PAY?)

3. Trustee objection:

- Need June and July bank statements for Seaport FCU bank account 6003. (RECEIVED MAY AND JUNE)

- Verified income leaves monthly disposable income of $4,652.41.

- Reviewed the 22C, Line 16 (taxes) should be $7,908.25, Line 17 (involuntary deductions)
should be $848.38, Lines 22 and 23 require documentation, Line 33 should be $0 (plan
surrenders the quad and jetski) and Line 43 should be $0. Per the 22 C, monthly disposable income is $4,707 which requires a minimum dividend of $282,453 to general unsecured creditors.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $16,101.00 when determining disposable income.

- There is $53,076 in non exempt equity in the residence.

- There is $7,750 in non exempt equity in the BMW.

- There is $6,000 in non exempt equity in the 2006 boat, 2023 Navi and 2004 motorcycle.
- There is $6,936 in non exempt equity in the Chase bank account.

- Debtor's at
Matter ResolvedRequest
Adjourment		15812/6/2023 10:00 am23-16161 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanDismissed - Hold FeesDebtor has made 2 of 5 required payments   Arrears: $2,748.00  
AS OF 12/5/2023 (at):

1. Objection filed by Bank of NY Mellon (Robertson Anschutz) - failure to cure arrears of $7,976.43 (Per POC) (RESOLVED: OTBS TO PAY POC ARREARS OF $7976.43 THRU PLAN)

2. Objection filed by Santander (Morton) - 2023 Kia K5 cannot be crammed since it was purchased less than 910 days before filing. Creditor wants $40,637.26 paid through the plan. (UNRESOLVED)

3. One Main Financial filed a secured bifurcated claim #4 which is not in the plan and needs to be resolved. Claim is for a 2008 Chevy Impala. (UNRESOLVED)

4. Hyundai Capital filed a secured arrears claim #8 in the amount of $2,272.60 for a 2022 Kia K5. Plan states that this is being paid through the debtor's daughter's bankruptcy. A claim was filed in her case as well. Debtor will need to move against this claim.

5. Trustee's objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of $799.35.
- Need to file Pre-Confirmation Certification. (NOT FILED)
- The IRS filed an estimated claim (2017, 2021-2022) which needs to be amended. (STILL ESTIMATED)
- Need to resolve objection by Bank of New York Mellon. (UNRESOLVED)
- Need to resolve objection by Santander. (UNRESOLVED)
- The attorney's fees in the plan ($3,565) and the disclosure statement ($4,750) do not agree.
One of these must be amended. (NEITHER AMENDED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - that includes liability coverage. (RECEIVED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED)
- One Main filed a bifurcated clam #4 which needs to be resolve. (KLISTED ABOVE)
OModified plan before confirmation proposes: $916 x 60 beginning 8/1/2023, $0 to unsecured creditors
Payments: 2/4, arrears
Matter ResolvedRequest
Adjourment		15912/6/2023 10:00 am23-16205 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 5 required payments   Arrears: $1,340.00  
MP in 14 day sot address payment of arrears on the claims and be current reminder set for MP

12/6 to resolve issues

AS OF 11/30/23 (SF) -BELOW ISSUES STILL APPLY

1. Need order resolving objection by Santander. Arrears claim filed in the amount of $1726.81. (OK TO PAY?) mk: per atty
YES pay)

2. Freedom Mortgage filed arears claim 11-1 in the amount of $23,954.53 which is not addressed in plan. (OK TO PAY?) (mk: per atty YES Pay)

3. Trustee objection:

- Need June and July bank statements for Bank of America account and for Chase account #6680. (Statements were provided for July. Still need June Statements)

STILL NEED JUNE STATEMENTS FOR: Bank of America account ending in 5766 and Chase Accounts ending in 6680. ([PER ATTY ACCT 5766 WAS JUST OPENED IN JULY 2023 AND ACCT 6680 WAS CLOSED AND DOES NOT HAVE ACCESS TO JUNE STATEMENT)

Also, on 7/19 there was a transfer of $3288.64 to an account ending in 2168 (Need copy of statement for this account)

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $350 &
$679 & 450/month car payments (cannot have 3 car payments) $1258 allowed (Reduced expenses by $311 - $221 for 3rd car and $90 ins.)

- Verified income leaves monthly disposable income of $2,569. NOW $2880 NEED BASE OF $82,944

- The current Plan does not specify treatment of Acura Financial filed arrears claim 1-3 in the amount of $155 and JP Morgan filed arrears claim 6-1 in the amount of $419.50 (OK TO PAY?)

The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution

Plan proposes $672 x 60 0%
Payments: 3/4 Arrears: $668
----------------------------
RESOLVED ISSUES:

- Need to file Pre-Confirmation Certification. (FILED)
- Need to resolve the estimated claim filed by the IRS for 2021. (AMENDED)
- Objection filed by Santander/Chrysler Capital - failure to assume lease; failure to pay arrears of $1726.81 (Assumed in plan but under the wrong creditor name
Matter ResolvedRequest
Adjourment		16012/6/2023 10:00 am23-16208 / CMGJames J. Cerbone, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 3 of 5 required payments   Arrears: $1,182.00  Total Paid In: $2,340.00
AMT: MP DOC #22 W/NOTICE FILED<<>>

AS OF 11/17/2023 (at):
1. Part 9 of the modified plan needs to be completed.
MP proposes: $489 x 56, not less than $23,437 to unsecured creditors
Arrears: $944
Matter ResolvedRequest
Adjourment		16112/6/2023 10:00 am23-16248 / CMGMarc C. Capone, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 10 of 5 required payments   Arrears: $500.00  
ISSUES AS OF 11/29/2023 (DM):

 12/6/23 MFR scheduled - Freedom Mortgage (BROCK & SCOTT) - Debtor has not made any payments since 8/1/23 - total owed $9,544.50 as of 10/12/23 (OTBS).

***RECOMMEND CONFIRMATION AT $4,868 PTD, $500 x 2 STARTING 12/1/23, THEN $2,585 x 54 STARTING 2/1/24, $73,368 MINIMUM DIVIDEND TO GENERAL UNSECURED CREDITORS WITH $15,359 THRESHOLD PRESERVED; TRUSTEE SHALL PAY TIFFANY AGUAYO POC (30-1) AS FILED; QUANTUM3 GROUP POC (13-1) SHALL BE TREATED AS SECURED UNAFFECTED; STRIKE SECURED PLAN TREATMENT OF CITIBANK/HOME DEPOT AND LACEY MUA; DEBTORS SHALL PROVIDE 2 MONTHS UPDATED PROOF OF INCOME, AMENDED SCH I&J, AND 2023 TAX RETURNS WITHIN 9 MONTHS; FEE APPLICATION TO BE FILED WITHIN 7 DAYS***

1) MP provides $5,617.64 priority treatment for DSO Tiffany Aguayo - POC filed for $32,024 (PAY PER POC??)

2) Quantum3 Grp/Aqua Finance/Power Home Remodeling filed $26,396.77 secured claim for windows and doors not treated in the plan - no arrears (TREAT AS SECURED UNAFFECTED??)

3) MP provides $4,187.85 secured treatment to Citibank/The Home Depot - no POC filed (STRIKE??)

4) MP provides $664.74 secured treatment to Lacey MUA - no POC filed (STRIKE??)

5) Trustee OBJ:
- Excessive Expenses Sch J: $769 & $696 for car payments, $1,016 support payments ($1,270/month is deducted from co-debtor's paycheck) (AMENDED SCH I REMOVED SUPPORT PAYMENTS AS WELL AS SCH J. NOT SURE WHY IT WAS REMOVED COMPLETELY WHEN SUPPORT PAYMENTS ARE OWED PER DSO INFO SHEET PROVIDED AND POC FILED MUCH HIGHER).

- Reviewed Form 22C, Line #19 (court ordered payments) requires proof and line #33d should be $0. Per Form 22C, monthly disposable income is $3,019 which requires a $181,146 minimum dividend to general unsecured creditors. Verified income leaves monthly disposable income of $2,464 (PER AMENDED SCH I DEBTOR NO LONGER WORKING 2ND JOB AND CO-DEBTOR NO LONGER WORKING 1ST JOB - NEED TO ADD TO CONFIRMING ORDER DEBTORS TO PROVIDE 2 MONTHS UPDATED PROOF OF INCOME, 2023 TAX RETURNS AND
Matter ResolvedRequest
Adjourment		16212/6/2023 10:00 am23-16314 / CMGDavid G. Beslow, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 3 of 5 required payments   Arrears: $1,020.00  
AS OF 11/17/2023 (at):

RECOMMEND: $510 x 60 BEGINNING 8/1/2023, BASE
Need to file Pre-Confirmation Certification within 10 days of confirmation.
Claims will be paid according to the trustee's order of distribution.

1. Objection filed by Bank of America (Frenkel Lambert) - secured claim matures during bankruptcy. (MOD PLAN PAYS CLAIM IN FULL AND NO OBJECTION TO MODIFIED PLAN)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Updated auto insurance, insurance expired 10/4/23. (NOT RECEIVED)
- Must file Pre-confirmation certificate. (NOT FILED)
- trustee standard order of distribution (LANGUAGE ADDED)

Modified plan before confirmation proposes: $510 x 60 beginning 8/1/2023, base
Payments: 3/4, arrears $510
Matter ResolvedRequest
Adjourment		16312/6/2023 10:00 am23-16319 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 5 required payments   Arrears: $300.00  
updated 12/5/2023 - atty to request adj in court need more time to resolve issues
issues as of 11/15/2023 (JMA)

1) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - 2022 for spouse prior to confirmation.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $900/month for spouse expenses. Need proof of non-filing spouse expenses 10 days prior to confirmation.

proposed plan $150x36 base
paid in $450
arrears $150
last claim 29

RESOLVED ISSUES:
- Proof of 2 month's income - for debtor's new job at Shoprite - RESOLVED, PROVIDED
- Excess expenses - $350/month for medical/dental -ALLOWED; $600/month car payment - ALLOWED;
- Need to file Pre-Confirmation Certification. RESOLVED, FILED
Matter ResolvedRequest
Adjourment		16412/6/2023 10:00 am23-16456 / CMGRobert B Davis Confirmation Hearing ScheduledHold for JudgeDebtor has made 3 of 5 required payments   Arrears: $400.00  
AS OF 11/17/2023 (at):

MOTION CONFIRMING AUTOMATIC STAY IS NOT IN EFFECT AS TO US BANK IS SCHEDULED FOR 12/6/2023.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Amendments to Schedules B and C to add 2009 Toyota Camry and the property in
Ghana (NOT AMENDED)
- Must file Pre-confirmation certificate. (NOT FILED)

RESOLVED ISSUES:
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution, and does not provide for equal monthly payments as
required by ?1325(a)(5)(iii)(l). (LANGUAGE ADDED PAY PER TRUSTEE'S ORDER OF DISTRIBUTION)

Plan proposes: $200 x 36 beginning 8/1/2023, sale of residence by 11/30/2023, base
Payments: 3/4, arrears $200
Matter ResolvedRequest
Adjourment		16512/6/2023 10:00 am23-16506 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
1/3/2024 10:00 am		Debtor has made 4 of 5 required payments   Arrears: $150.00  
issues as of 11/15/2023 (jma)

1) Trustee objection to confirmation - need to resolve
- Proof of 2 month's income - from person contributing to household (Choudhary), per affidavit - NOT PROVIDED TO DATE
- Updated auto insurance, insurance expired 9/15/23 - NEED TO PROVIDE TRUSTEE WITH COPY OF RENEWAL
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): Proof of income verifies much higher, per year to date net income. Also 2022 tax returns show a much higher gross income for Debtor, which would agree with year to date income per pay stubs.
- The current Plan does not specify treatment of TD Retail/Raymour & Flanigan and Wells Fargo/Value City Furniture under the Plan.
- Need proof of income for April and May 2023, balance statement owed to LoanPal for solar panels and balance statement for 401(k) loan, prior to filing date.
- Must file Pre-confirmation certificate RESOLVED, FILED
2) TD Retail Card Services claim #6 is a bifurcated claim which is not treated in the plan - need to resolve - STILL NEED TO RESOLVE
3) Wells Fargo Bank claim #9 is a bifurcated claim which is not treated in the plan - need to resolve - STILL NEED TO ADVISE TRUSTEE HOW THIS CLAIM SHOULD BE TREATED. EITHER PAY THROUGH PLAN OR MOVE AGAINST IT
4) Quantum 3 group LLC claim #21 is for furniture. The claim does not show arrears due - not treated in plan - need to resolve - STILL NEED TO ADVISE TRUSTEE HOW THIS CLAIM SHOULD BE TREATED. EITHER PAY THROUGH PLAN OR MOVE AGAINST IT.

proposed plan $150x60 base plan
paid in $600
last claim 22
Matter ResolvedRequest
Adjourment		16612/6/2023 10:00 am23-16586 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $330.00  
As of 11/28/23(mk):email to atty- ok to terms

>>mfr by Mercedes-Benz on 12/20/23- IF THAT DOES NOT IMPACT PLAN THEN

**Can Rec Confirm at $990 PTD Then $1,007 x 57 Begin 12/1/23. BASE w/ a Minimum Of $5,092 Due To Equity In Personal Property. Must provide DSO form within 7 days. Trustee standard order of distribution. Must file pre conf cert. w/ in 7 days**


1. Trustee Obj:
-need Domestic Support Obligation information.
-There is non-exempt equity in 2016 Mercedes
Benz of $ 5,092.
- not paying all of dispos income into plan: Trustee's calculations are higher for the following reason (s): Proof
of income verifies much higher, there is disposable income $1,190, plus tax refund
$569.91 is not on Schedule I.

-need Tr std order of distribution.

Must file Pre-confirmation certificate.

-----------------Resolved---------
Objection by PHH Mtg(RAS):RESOLVED-OTBS
-- This Order shall be incorporated and become a part of any Order
confirming the Chapter 13 Plan in the herein matter.
-- The amount to be paid to Secured Creditor for pre-petition
arrears through the Chapter 13 Plan is $960.64 as set forth in
Secured Creditor's timely filed Proof of Claim 10-1, filed
October 4, 2023 and subject to Debtor's right to object to
the filed Proof of Claim.
-- Debtor is to make post-petition payments in accordance with the
terms of the note, mortgage, and /or notices of payment
change.
-- Secured Creditor's objection is hereby resolved pursuant to paragraph 2 above.

-need Modified Plan that corrects name of mortgage company. ( claim and obj filed by creditor
-proof of current home insurance- policy
provided expired.(Provided)
-proof of auto insurance for 2015 Jeep
Compass- what was provided dose not list this
vehicle.( WAS SOLD IN AUGUST)

- need CMA with comparatives within the last 6
months from filing. Zillow has 152,000( MOOT as TAX Claims est up any equity)

Plan:$330 x 60 begin 9/1/23; Base
3/3 payments
























Matter ResolvedRequest
Adjourment		16712/6/2023 10:00 am23-16589 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 4 required payments   Arrears: $0  

MP (#34)filed and on for 12/20/23(mk)

issues as of 11/15/2023 (JMA)

1) Consumer Portfolio Services Inc (Bernstein Burkley) objection to confirmation - need to resolve
-arrears $407.18
2) Debtor response to Consumer Portfolio Services Inc objection to debtor's plan - states the debtor is not attempting to cram down the value of the vehicle - need to resolve
3) Trustee objection to confirmation - need to resolve
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,896 when determining disposable income.
- The Plan fails to provide for a prompt cure of rental arrears.
- Must file Pre-confirmation certificate.

proposed plan $550x60 base plan
paid in $1,650
last claim 22
Matter ResolvedRequest
Adjourment		16812/6/2023 10:00 am23-16614 / CMGGeorgette Miller, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $600.00  Total Paid In: $1,800.00
mk: creditor agrees to terms

AS Of 11/28/23(mk): email to atty- she agrees to terms but told her i need creditor agmt that lang . "Remaining terms of prior confirmation apply" - which pays their claim - resolves the obj. then it can be put on HR.


>>IF obj in # 2 is resolved and TR to pay claim per prior conf ..them can be confirmed as follows:

**CAN REC CONFIRM AT $1,800 PTD, Then 600 x 57 Begin 12/1/23 Base. Remaining terms of prior confirmation apply**


1.Trustee Objection:
- MP has IRS 17,000- claim is 9,687.07. Tr is paying

2. Objection by Towne(Hlaadik):
Mp says unaffected There is claim to be PD $2,529.95- Per prior conf. claim is to paid.


MP proposes:$600 X 60 BEG 9/2023; BASE
plan has run 3 mos and 57 mos remain

plan adds: ADD PRIORTY CLM 9-1
Matter ResolvedRequest
Adjourment		16912/6/2023 10:00 am23-16620 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $400.00  
UPDATED 12/4/2023 (JMA)

ok to confirm at $1,200 paid to date, $609x56 begin 1/1/2024 0% plan

issues as of 11/15/2023 (JMA)

1) Rushmore Loan Management Services (Friedman Vartolo) objection to confirmation - NEED TO RESOLVE OBJECTION
-arrears $25,563.61
2) Trustee objection to confirmation - RESOLVED
3) NJ Division of Taxation filed secured claim #6 in the amount of $364.44, this claim is not listed in plan - need to pay claim or move against it - NEED TO RESOLVE

proposed plan $400X60 0% plan
paid in $800
arrears $400
last claim 7

RESOLVED ISSUES:
- Need a statement for the Amazon stock account. RESOLVED, PROVIDED STATEMENT
- Need to file Pre-Confirmation Certification. RESOLVED, FILED
- Need to amend schedules once debtor starts receiving her pension in September and is then required to reduce her hours at Amazon - FILED AMENDED SCHEDULES, RESOLVED
Matter ResolvedRequest
Adjourment		17012/6/2023 10:00 am23-16703 / CMGStephen M. Zullo, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

update as of 12/1/2023 (JMA)

1) 341 rescheduled for 12/28/2023 - need to adjourn confirmation hearing to allow 341 to be held

issues as of 11/29/2023 (JMA)

1) 341 not held, not rescheduled
2) Current with Trustee plan payments
3) Guaranteed Rate Inc (RASC) objection to confirmation - resolved Consent Order
4) Credit Acceptance Corp (Morton) objection to confirmation - need to resolve

mk: fyi Order resolving obj to conf by creditor Guaranteed Rate(Ras) was submitted 9/7. Terms= amt to be paid to creditor is approx $101,459 subject to final POC figures to be filed.
Matter ResolvedRequest
Adjourment		17112/6/2023 10:00 am23-16773 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 4 required payments   Arrears: $150.00  
AS OF 12/5/23 (SF) UPDATED

RECOMMEND $150 X 36 (BEGIN 9/1/23) 100% PLAN; NONEXEMPT PROCEEDS FROM SALE OF REAL ESTATE BY 2/29/24
- LOW BASE
- PRESERVE NONEXEMPT EQUITY IN REAL ESTATE OF $183,640 IN CONFIRMATION ORDER
- PROVIDE ORDER APPROVING SALE WITHIN 30 DAYS



1. Motion to Sell scheduled for 12/6 at 9

2. Motion for Relief scheduled for 1/3/24 at 9

2. Objection filed by Wells Fargo Bank (Powers) - failure to pay arrears of $48,219.29; speculative sale and feasibility. (RESOLVED VIA ORDER)

3. Trustee objection:

-there is non-exempt equity of $152,964 in house, need to pay $161,803 to gucs (100%
plan) SALE PRICE IS HIGHER. N/E PROCEEDS IS NOW $183,640

- Confirming order should provide for all non-exempt proceeds from sale of property.

Plan proposes $150 x 36; 100% Plan; Sale by 3/31/24
Payments: 3/3

- Motion to sell prop on 12/20 atty will file appl on short time to move motion up to 12/6 - all cash deal 100% plan will close by end of Jan.
- Need to file Pre-Confirmation Certification with court. (FILED)
Matter ResolvedRequest
Adjourment		17212/6/2023 10:00 am23-16784 / CMGTHOMAS G. EGNERConfirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 4 required payments   Arrears: $250.00  
11/30/23(mk: 2 MP filed at #26 and #27- seems to be duplicate plans- Rejects residential lease(POC #5 and address POC 1 &3

11/21 Workup for the 12/6 calendar EDC

As of 10/30/23 (DS): Debtor attorney requested adjournment to resolved objection with landlord.(STAY LIFT GRANTED-NO LONGER FEASIBLE)

As of 10/27/23 (DS): 1. MFR by The Salt & Light Co, seems to be the Landlord. Plan has Delta Real Estate as landlord, no claim filed by Delta, but unsecured claim with arrears $30,448 filed by The Salt & Light. MFR Sched 11/15/23. Post-petition arrears owed $1,394. Need outcome.

2. The Salt & Light (GREENBLATT, LIEBERMAN, RICHARDS) obj to no prompt cure of rental arrears and no adequate protection for future payments.

3. Pemberton Twp Municial Court filed priority claim $240, Plan has as unsecured and to be paid pro rate. Claim needs to be paid or move against the claim.

4. BELOW ISSUES REMAIN UNRESOLVED AS WELL.

As of 10/2/23 (DS): Debtor atty requested adjournment to resolve all issues, proof of payment attached to adj req.

10/4/23 (DS): 1. Trustee obj to the following:
- Proof of income verifies much higher, there is disposable income $2,455, also Schedule I failed to add tax refund $3,886 when determining disposable income. CASE NEEDS TO BE 100% DUE TO DISPOSABLE INCOME. TOTAL GUCS FILED INCLUDING LANDLORD $33,432.13.
- Must resolve NJ Motor Vehicle bifurcated claim, secured $9,867.32 and unsecured $2,175.99, not in plan.

Prop Plan $250 x 60 begin 9/1/23; Base
Matter ResolvedRequest
Adjourment		17312/6/2023 10:00 am23-16797 / CMGRodney Nelson, Esq.Confirmation Hearing ScheduledRecommend DenialDebtor has made 1 of 4 required payments   Arrears: $924.00  Total Paid In: $503.00
AS OF 11/13/2023 (at):

MONTHLY DISPOSABLE INCOME IS $1,130.30. PAYMENT CANNOT BE DECREASED.

MP proposes: $212.50 x 58 beginning 11/1/2023, base
Arrears: $355.50
(Debtor is schedules have been amended to reflect his current expenses. Debtor expense as to the tax debt and car maintenance was not included.
Debtor Trustee payment is $212.50)
Matter ResolvedRequest
Adjourment		17412/6/2023 10:00 am23-16814 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $2,487.00  
AS OF 11/30/2023 (at):


1. Objection filed by Deutsche Bank (Stern Lavinthal) - excessive time to obtain loan modification. Creditor wants 60 days. Failure to make regular monthly payments based on contractual amount due. (UNRESOLVED)

2. Trustee's objection:
- Must resolve creditor objection. (UNRESOLVED)

RESOLVED ISSUES:
- Must file Pre-confirmation certificate. (FILED)
- Amendments to Schedules B to add additional TD Bank checking accts#5455 and
#9694 and provide 2 months bank statements prior to filing date. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in TD Bank acct#3535 $4,468.10 and pending statements from other 2 bank accts there may be non-exempt equity. (STATEMENTS RECEIVED - NON EXEMPT EQUITY IS $4,556)
- Need TD Bank statements from acct#6265 for July and August prior to filing date. (RECEIVED)
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2020 & 2021 (RECEIVED)
- Must resolve IRS and State of NJ estimated tax claims. (NO LONGER ESTIMATED)
- Add to confirming order Debtor to provide non-exempt equity from PI lawsuit to Trustee. (LANGUAGE ADDED)
- Updated auto insurance, if not confirmed by 11/1/23 (insurance expires 11/11/23). (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,122 when determining disposable income. (AVERAGED/ADDED TO INCOME)

Plan proposes: $2,487 x 60 beginning 9/1/2023, loan modification by 3/1/2024, base
Payments: 3/3
Matter ResolvedRequest
Adjourment		17512/6/2023 10:00 am23-16867 / CMGSCOTT M WILHELM, ESQConfirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 1 of 4 required payments   Arrears: $500.00  
11/17 workup for the 12/6 calendar

**RECOMMEND CONF AT:

$1000 PAID THEN 750 X 57 BEG 12/1/23 PRO RATA (MINIMUM OF $26547 BASE UPON EQUITY) --ATTORNEY TO BE PAID $2112 THROUGH THE PLAN PER PART 3A--TRUSTEE TO USE STANDARD DISTRIBUTION

MP filed paid to date then $750 x 57

*plan has incorrect amount of $2213, should be $2112

11/7 workup for the 11/15 calendar EDC

1) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income Verified income leaves negative monthly disposable income of -$2,541.56. SUPPLIED INCOME AFFIDAVITS BUT NEED POI FROM CONTRIBUTORS

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $157/month for State of NJ; Need proof of expenses 10 days prior to confirmation.

- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):There is $11,088 in non exempt equity in the vehicles. There is $15,549 in non exempt equity in the residence. TOTAL EQUITY IS $26,547



proposed plan $250x60 base plan
paid in $750
last claim 7

-------------------------
RESOLVED ISSUES:
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l).(OK we can use trustee standard order of distribution)

- Need to file Pre-Confirmation Certification - RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document (s): Domestic Support Obligation information DEBTOR PAYS $250 BIWEEKLY IN SUPPORT OF 1 CHILD
- $500/month for alimony/support. CHILD SUPPORT EXPENSE ALLOWED,
Matter ResolvedRequest
Adjourment		17612/6/2023 10:00 am23-16908 / CMGScott E. Tanne, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 3 of 4 required payments   Arrears: $1,379.00  
AS OF 11/27/2023 (at):

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2022 prior to confirmation. (NOT RECEIVED)
- Need to file Pre-Confirmation Certification. (NOT FILED)
- The IRS filed an estimated claim for 2018, 2021 and 2022 which needs to be amended. (STILL ESTIMATED)
- The NJ Division of Taxation filed an estimated claim for 2021 - 2022. (STILL ESTIMATED)

RESOLVED ISSUES:
- Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan. (LANGUAGE ADDED)

Plan proposes: $1,466 x 60 beginning 9/1/2023, base
Payments: 2/2
Matter ResolvedRequest
Adjourment		17712/6/2023 10:00 am23-16997 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 2 of 4 required payments   Arrears: $1,000.00  
mk: per Dan Straffi- letting case dismiss at conf.

AS OF 11/30/2023 (at):

1. 341 has not been held or rescheduled.
2. Payments: 2/3, arrears $500

2 stay motions are scheduled for 12/6/23. (residence and Manchester Ave properties)
Matter ResolvedRequest
Adjourment		17812/6/2023 10:00 am23-17031 / CMGPaul H. Young, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 3 of 4 required payments   Arrears: $400.00  
AS OF 11/29/23 (SF)

Trustee objection:

The debtor has insufficient income The proof of income provided shows negative
disposable income. (CONTRIBUTION AFFIDAVIT IS $500 LESS THAN WHAT IS LISTE3D ON SCHEDULE I. NEED CORRECTED AFFIDAVIT)
-need to file Pre-Confirmation Certification with Court


Plan proposes $400 x 60 100%; Loan Mod by 1/1/24
Payments: 4/4




Matter ResolvedRequest
Adjourment		17912/6/2023 10:00 am23-17065 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
1/3/2024 10:00 am		Debtor has made 3 of 4 required payments   Arrears: $600.00  
issues as of 11/15/2023 (JMA)

1) 341 not held, rescheduled for 12/14/2023
2) Specialized Loan Servicing LLC (Stewart Legal Group) objection to confirmation - need to resolve
-anticipated arrears $955,264.33
3) Need to file Pre-Confirmation Certification with Court
4) American Honda Finance filed secured claim #1 with arrears in the amount of $348.96, plan treats claim as current and unaffected by plan - need to pay arrears through plan or move against claim
5) American Honda Finance / 2023 Honda CRV not treated in plan, no claim filed to date - listed on Schedule D - need to resolve

proposed plan $500x60 base plan with loan mod by 2/1/2024
paid in $1,400
arrears $100
last claim 7
Matter ResolvedRequest
Adjourment		18012/6/2023 10:00 am23-17103 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 4 required payments   Arrears: $5,485.00  
UPDATED 12/1/2023 (JMA)
issues as of 11/15/2023 (JMA)

1) Trustee objection to confirmation - RESOLVED
2) Capital One Auto Finance filed secured claim #3 FOR 2023 KIA Sportage with arrears in the amount of $909.85. Debtor must pay claim or move against it. Need to resolve - STILL NOT RESOVLED
3) Ally Capital field secured claim #5 for 2017 Nissan Maxima with arrears in the amount of $210.72. Plan treats as unaffected, need to either pay arrears or move against claim - need to resolve - STILL NOT RESOLVED
4) Point O'Woods Town Home Association, Inc (Cutolo Barros LLC) objection to confirmation - need to resolve - STILL NOT RESOLVED
-plan seeks to reclassify claim to unsecured
5) Transam Holdings LLC/AHP Servicing filed a late claim on 11/14/2023 will need motion to allow late claim - NEED TO RESOLVE

proposed plan $2,745x60 base plan
paid in $5,495
arrears $5,485
last claim 11

RESOLVED ISSUES:
- A copy of the homeowner's insurance renewal declaration RESOLVED
- comps are more than 6 months before the filing date - should have comps within the 6 months before filing. RESOLVED USING 2023 COMPS
- Need to file Pre-Confirmation Certification with Court RESOLVED, FILED
Matter ResolvedRequest
Adjourment		18112/6/2023 10:00 am23-17336 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 4 required payments   Arrears: $672.00  
AS OF 11/30/2023 (at):

Trustee's objection:
- Must resolve State of NJ estimated tax claim for 2020 - 2022. (STILL ESTIMATED)
- Bar date has passed, no claims filed by Mt Holly Tax Collector.
- Must file Pre-confirmation certificate. (NOT FILED)

RESOLVED ISSUES:
- The current Plan does not specify treatment of Wilmington Savings Fund under the Plan. (PAY IN FULL PER THE PLAN)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
There is non-exempt equity in real property $9,190.10 and 2016 Ford $25,331.68, plus bank accts pending statements not provided. (100% Plan) (LANGUAGE ADDED)
The debtor has failed to supply the Trustee with the following document (s):
- 2 months bank statements from BOA chkg acct#7776 and WSFS acct prior to filing
date. (SUFFICIENT N/E EQUITY TO CONFIRM AT 100%)

Plan proposes: $672 x 60 beginning 9/1/2023, 100% plan
Payments: 3/3
Matter ResolvedRequest
Adjourment		18212/6/2023 10:00 am23-17418 / CMGRobert L. Schmidt Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 3 of 4 required payments   Arrears: $125.00  
As of 12/5/23 (DS): Debtor atty requested adjournment to resolve obj

As of 12/5/23 (DS): 1. Trustee obj to the following:
- Need a mod plan that marks off Section 5a unsecured creditors.
- Income verifies higher, disposable income verifies $321. May be moot plan propose 100%, also tax refund $1,162 was not listed on Sched I.
- Must resolve creditor objection.

2. US Bank (ALEISHA JENNINGS) obj to loan mod was denied 7/20/23, appealed and appeal was also denied 8/21/23.

Prop Plan $125 x 60 begin 9/1/23; 100% and Loan mod on Knowlton Rd by 12/31/23
Note: Updated auto insurance provided 12/5/23.

Matter ResolvedRequest
Adjourment		18312/6/2023 10:00 am23-17433 / CMGKarina Pia Lucid, Esq.Confirmation HearingNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 4 required payments   Arrears: $2,400.00  
AS OF 11/28/23 (SF)

1. Sale date in plan of 4/30/23 has expired

2. Motion for Relief by Jean V. Wisniewski scheduled for 12/6/23

3. Objection filed by Jean Wisniewski and Estate of Louis Wisniewski (Evan Pickus) - failure to pay judgment amount of $54,470.08 thru the plan and objects to sale date of 4/30/24.

4. The State of NJ filed priority claim 22-1 in the amount of $748.67 which is not addressed in plan (OK TO PAY?)

5. Trustee objection:

- The debtor has failed to file a feasible plan - second tier of plan is not feasible. Debtor does not propose a minimum of 36 months of disposable income.

- Need proof of insurance for the 2007 Freightliner.

- There is $74,297 in non exempt equity in the residence. (100% plan )

- There is $18,476 in non exempt equity in the Mazda and Freightliner.


Plan proposes $1200 x 7 100% Plan, Sale by 4/30/23
Payments: 2/3 Arrears: $1200

RESOLVED ISSUES:

Objection by PNC (Lebron) (RESOLVED)



Matter ResolvedRequest
Adjourment		18412/6/2023 10:00 am23-17437 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledContinued
1/3/2024 10:00 am		Debtor has made 2 of 4 required payments   Arrears: $1,542.00  
AS OF 11/28/23 (SF)

1. Must request adjournment of confirmation hearing
2. 341 not held - rescheduled to 12/14/23
3. payments: 2/3 Arrears: $771.05
Matter ResolvedRequest
Adjourment		18512/6/2023 10:00 am23-17461 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 2 of 4 required payments   Arrears: $800.00  
AS OF 12/5/2023 (at):

1. 341 has not been held or rescheduled.
2. Payments: 2/4, arrears $800


11/20/23 - obj filed by Toyota Motor - needs review

debtor owns 2 properties;1403 Wayne circle in NJ and 1313 Nelson Road in Fla.
Insurance for NJ- don't see personal liab coverage for that and don't have any proof for Fla property.
- still missing 341 docs:
1. CMA for both properties
2. Signed aff'd of contribution
Matter ResolvedRequest
Adjourment		18612/6/2023 10:00 am23-17466 / CMGEric J. Clayman, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 1 of 4 required payments   Arrears: $761.00  
updated 11/15/2023 (JMA)

1) 341 adjourned to 12/14/2023
2) Not current with Trustee plan payments, arrears $599.31

issues as of 10/25/2023 (JMA)

1) 341 hearing not held, not reschedule and still missing documents for Trustee review
2) Not current with Trustee play payments, arrears $530.77
Matter ResolvedRequest
Adjourment		18712/6/2023 10:00 am23-17501 / CMGAllen I. Gorski, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $900.00  
As of 11/30/23 (DS): Ok to confirm at $900 x 36 begin 9/1/23; 100% with a minimum dividend $35,244.47 due to non-exempt equity;
- Trustee ok to pay the arrears claim#1-1 of PNC Bank $348.62.

FEE APP FILED AND SCHED 12/6/23, ATTY FEES $3,232.50 ADDED TO PLAN, $1,350 OUTSIDE.

1. No unsecured claims filed, but arrears claim filed by PNC Bank $348.62, which plan states paid by spouse, Debtor is separated from spouse, but still needs to be paid or move against claim.

As of 10/26/23 (DS): Debtor attorney requested adjournment to date pass bar date

11/1/23 (DS): 1. Trustee obj to the following: EMAILED DEBTOR ATTY TO PROVIDE BANK STATEMENTS. CERT PROVIDED STATES FUNDS WERE DEPOSITED INTO ACCT JOINT PNC BANK ACCT, FIRST LET ME STATE THIS ACCT IS NOT ON SCHED B AND DOCS PROVIDED DOES NOT HAVE NAMES ON ACCT AND AS OF DATE OF FILING THERE WAS $17.70 IN ACCT. HOWEVER, PROOF OF MONIES DEPOSITED INTO JOINT PERSONAL CHECKING ACCT SHOWS THAT TOTAL OF $4,250 WAS PAID TO SBA CREDITOR AND ATTORNEY FEES, LEAVING $750 REMAINING FROM THE PROCEEDS OF SALE.
- Need VIP Trading LLC bank acct statements from June to date closed, Debtor's cert states that $5,000 was deposited in this acct and utilized these funds to pay SPA loan, a loan funded for the business that closed 6/2023.
- There is non-exempt equity in real property $25,269.47 and non-exempt equity in the vehicles $9,225 and $750 proceeds from sale of business merchandise. NO GUCS FILED.
- Add to confirming order Debtor to provide 2 months proof of income 6 months from confirming or once employed. NOT NEEDED UNLESS UNSECURED CLAIMS WERE FILED, PLAN IS 100%.
- Must file fee app within 7 days from confirming.

Prop Plan $900 x 60 begin 9/2023; Base
Note: Auto insurance provided for 2012 Lexus and 2010 Toyota, expires 12/17/23.
Matter ResolvedRequest
Adjourment		18812/6/2023 10:00 am23-17521 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 2 of 4 required payments   Arrears: $600.00  
AS of 11/28/23(mk):



1. IRS and St Of NJ Estimated claim needs to be resolved.

Plan:$300 x 36 begin 9/1/23; Base. Student loans outside
2/3 payments
Matter ResolvedRequest
Adjourment		18912/6/2023 10:00 am23-17525 / CMGAndy Winchell, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 5 of 4 required payments   Arrears: $0  

AS OF 11/30/2023 (at):

1. Objection filed by Shellpoint Mortgage/US Bank (Friedman Vartolo) - failure to cure full arrears of $78,729.52 (PER POC) and plan does not provide for the full monthly mortgage payment of $1,170.24. (UNRESOLVED)

2. Trustee's objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of
$616.47.
- The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - with comparative properties sold within 6 months of
filing. (NOT RECEIVED - COMPS ON CMA RECEIVED 10/11 ARE OLDER THAN 6 MONTHS - PER ZILLOW THE PROPERTY IS VALUED AT $299,200 LEAVING NON EXEMPT EQUITY OF $26,018)

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification. (FILED)
- Debtor must provide proof that Trustee was added as loss payee to all motor vehicle and
real estate insurance policies based upon vesting at discharge unless the confirming
order is changed to provide for vesting at confirmation. (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 $3,692 in non exempt equity in the Bank of America account. (CORRECTION - EXEMPTED - NO EQUITY)
- Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan. (LANGUAGE ADDED)

Plan proposes: $850 x 9 beginning 9/1/2023, $1,400 x 51, base
Payments: 3/3
Matter ResolvedRequest
Adjourment		19012/6/2023 10:00 am23-17557 / CMGDavid L. Stevens, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $1,150.00  
AS OF 11/28/23 (SF)

1. Objection filed by NewRez (Stewart) - failure to pay arrears of $155,051.56 . If loan mod is not successful creditor wants plan modified to pay arrears. (Loss mit expires on 1/15/24) mk; trying to resolve w/ orrder will update

2. Trustee objection:

- The trustee needs proof of the approximately $400,000 received via inheritance in 2021 along with a certification as to how those funds were utilized.

- Need copy of the deed - and closing statement for the purchase of the Parrish Florida property owned by George Meiley.
MK: will upload a cert and proof for expenses below
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $510/month for cable/internet/phone; $1,200/month for education costs ;$875/month car payment; $1,653.93/month mortgage (only one property listed on Schedule A)
Need proof of excessive expenses 10 days prior to confirmation.

- Verified income leaves monthly disposable income of $1,875.05.

- There is $17,329 in non exempt equity in the bank accounts. There is also potential equity in the Florida property based on the use of debtor funds to purchase property (100% plan).

- SERVICE TO CHRYSLER IS STILL IMPROPER, MUST SERVE MANAGING AGENT
Need proof of service on Chrysler Financial Services at a physical address, not just a PO Box.


Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.


Plan proposes $1150 x 60 100% Plan, Loan Mod by 1/15/24
Payments: 3/3

RESOLVED ISSUES:
- Need a current market analysis
- Need to file Pre-Confirmation Certification. (FILED)
- IRS filed estimated priority claim 2-1 (NEED AMENDED CLAIM) AMENDED
- Need copy of the homeowner's insurance renewal declaration. Expires 12/31/23

Matter ResolvedRequest
Adjourment		19112/6/2023 10:00 am23-17586 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 4 required payments   Arrears: $515.00  
AS OF 11/30/23 (at):

RECOMMEND: $1,545 PAID TO DATE, $570 x 57 BEGINNING 12/1/2023, BASE
Preserve non exempt equity of $1,552 in personal property.
Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.

AR NEED BUS FORMS , p&L AND BUSINESS TAX RETURN (RECEIVED BUSINESS TAX RETURN ONLY)

Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $638 (seasonal commercial fisherman).

RESOLVED ISSUES:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$1,000/month for taxes to IRS & State of NJ
Need proof this is being paid. (RECEIVED CERTIFICATION OF DEBTOR AND BANK STATEMENTS SHOWING PAYMENTS TO STATE AND IRS)
- Need to file Pre-Confirmation Certification. (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):
- There is $1,552 in non exempt equity in the bank accounts. (LANGUAGE ADDED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)

Plan proposes: $515 x 60 beginning 9/1/2023, base
Payments: 3/3
Matter ResolvedRequest
Adjourment		19212/6/2023 10:00 am23-17589 / CMGMark N. Glyptis, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 4 required payments   Arrears: $1,045.00  
AS OF 11/27/2023 (at):

1. Objection filed by MidFirst Bank (Gross Polowy) - failure to cure arrears of $223.29.

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A current market analysis - . CMA does not provide closed dates or distance from
subject property. (NOT RECEIVED)
- Need July and August bank statements for Wells Fargo accounts 9380 and 5041. (NOT RECEIVED)
- A Modified Plan that pays 100% or base, not both. (MOD PLAN NOT FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- $3,127/month for non filing spouse expenses
Need proof of expenses 10 days prior to confirmation. (NOT RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $1,531.02.
- Per the 22C, monthly disposable income is $2,471 which requires a minimum dividend of $148,260 to unsecured creditors. Needs to be 100% plan.
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need to resolve the bifurcated claim filed by One Main. (UNRESOLVED)
- Need a statement for the debtor's pension loan. (NOT RECEIVED)
- Need a statement for the spouse's 401k loan. (NOT RECEIVED)

RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $4,325.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)

Plan proposes: $500 x 3 beginning 9/1/2023, $1,045 x 57, base and 100%
Payments: 3/3
Matter ResolvedRequest
Adjourment		19312/6/2023 10:00 am23-17691 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0  

12/4/23 (DS): Ok to confirm at $250 x 3 begin 10/1/23; $719 x 57 begin 1/1/24; Base with a minimum dividend $31,380 and reserve non-exempt equity $14,250.92

1. Trustee obj to the following:
- Navy FCU checking acct, which is not listed on Sched B has $13,277.92 in acct, which leave non-exempt equity as of 7/22/23. There is also non-exempt equity in Bank of America acct#1868 $973, total equity $14,250.92. ATTY OK WITH TERMS
- Excessive expenses on Sched J such as: $400 Childcare/Childrens education cost (Sched J does not have dependents), $698 Car payment, $523 boat payment (Luxury). Expenses should be reduced to $4,854.
- 122c Line 33d $523 should not be allowed, the boat is a luxury item. 122c should remove boat expense and disposable income should be $523, which would require minimum dividend $31,380 to gucs, not $0.
- This should not be a 0% case. Debtor has a $48,000 boat and not paying gucs. When Sched J deducts the expense and add back mortgages increase $70.10, there is $819.74 disposable income. Also tax refund $3,725 failed to be listed on Sched I.

2. Freedom Mortgage (BROCK & SCOTT) obj arrears owed, POC filed arrears are $2,414.30. COTBS ok to pay arrears $2,414.30

Prop Plan $250 x 60 begin 10/1/23; $0
Matter ResolvedRequest
Adjourment		19412/6/2023 10:00 am23-17709 / CMGBrad J. Sadek, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 3 required payments   Arrears: $900.00  
updated 12/5/2023 (JMA)

ok to confirm at $1,800 paid to date, $1,100x57 begin 1/1/2023 base plan
-need to file Pre-Confirmation Certification with Court
-Spruce Solar to be stricken from plan, did not file proof of claim


issues as of 11/16/2023 (JMA)

1) Flagstar Bank (KML) objection to confirmation - RESOLVED, CONSENT ORDER ARREARS PAID THROUGH PLAN
-filed claim with arrears $4,096.92
2) Trustee objection to confirmation - need to resolve
- Need to provide a copy of the homeowner's insurance renewal declaration - policy provided expired, need renewal -NOT PROVIDED TO DATE
- Need to provide a copy of the deed - NOT PROVIDED TO DATE
- Form 122c- Line 23 is an improper deduction, allowed $30
- Form 122c - Line 45 total $1,420.48 which requires minimum $85,228.80 dividend to general unsecured creditors.
- Flagstar Bank (KML) objection to confirmation - need to resolve RESOLVED

proposed plan $900x60 base plan
paid in $1,800
last claim 15

11/22/23: Oder submitted resolving Flagstar Obj in #1 below= PAY POC #15 arrears
Matter ResolvedRequest
Adjourment		19512/6/2023 10:00 am23-17711 / CMGBrad J. Sadek, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 11/28/23 (SF)

1. MUST REQUEST ADJ OF CONF HEARING
2. 341 NOT HELD - RESCHEDULED TO 12/21/23
3. PAYMENTS: 2/2
Matter ResolvedRequest
Adjourment		19612/6/2023 10:00 am23-17725 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 2 of 3 required payments   Arrears: $194.00  
341 on 12/28/23

AS OF 12/1/23 (SF)

Adj request denied. 341 not held nor rescheduled.

1. 341 NOT HELD - MISSING DOCUMENTS
2. PAYMENTS: 2/2

Matter ResolvedRequest
Adjourment		19712/6/2023 10:00 am23-17733 / CMGPaul H. Young, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 2 of 3 required payments   Arrears: $245.00  
341 IS 11/30/23.
Matter ResolvedRequest
Adjourment		19812/6/2023 10:00 am23-17739 / CMGJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 3 required payments   Arrears: $300.00  
AS OF 11/16/2023 (at):

RECOMMEND: $300 X 36 BEGINNING 10/1/2023, LOAN MODIFICATION WITHIN 6 MONTHS OF CONFIRMATION, 100% PLAN
Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
Need to file Pre-Confirmation Certification within 10 days of confirmation.
Low base pending loan modification.
Preserve non exempt equity of $135,076 in real and personal property.

1. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- Updated auto insurance (insurance expires 11/20/23) (NOT RECEIVED)
- Must file Pre-confirmation certificate. (NOT FILED)

RESOLVED ISSUES:
- Need value of Prudential stock prior to filing date. (NOT NEEDED - 100% PLAN)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in real property $128,500, jewelry $2,935 and Prudential stock
estimated $3,641.82 (pending value statement). (LANGUAGE ADDED)
- Add to confirming order fee app to be filed 7 days prior to confirming. (LANGUAGE ADDED)

Plan proposes: $300 x 36 beginning 10/1/2023, loan modification within 6 months of confirmation, 100% plan
Payments: 2/2
Matter ResolvedRequest
Adjourment		19912/6/2023 10:00 am23-17767 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 1 of 3 required payments   Arrears: $1,600.00  
As of 12/4/23 (DS): Debtor atty requested adjournment, 341 sched 12/21/23
Matter ResolvedRequest
Adjourment		20012/6/2023 10:00 am23-17787 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0  

as of 11/16/2023 (JMA)

ok to confirm at $275x36 begin 10/1/2023 base plan

proposed plan $275x36 begin 10/1/2023 base plan
paid in $550
last claim 25

Matter ResolvedRequest
Adjourment		20112/6/2023 10:00 am23-17816 / CMGCarrie J. Boyle, Esq.Confirmation Hearing ScheduledContinued
12/20/2023 10:00 am		Debtor has made 18 of 3 required payments   Arrears: $0  

mk; FYI: order submitted 11/7/23 resolves Obj by Penny Mac. terms=pay pre pet arrears claim 14,394.76
Matter ResolvedRequest
Adjourment		20212/6/2023 10:00 am23-17833 / CMGMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 3 required payments   Arrears: $10,500.00  
12/6/23:TFS payment scheduled for 7,000 in TR docs- still need proof of home insurance w/ personal liab.

AS OF 12/5/23 (SF) Adj. Request denied. No payments and no insurance

Atty provided copy of receipt for TFS payment in the amount of $7000 scheduled for 12/6/23. Also advised that debtor is working on homeowner's ins.


1. 341 NOT HELD - Rescheduled to 11/30
2. NO PAYMENTS - 0/2 ARREARS $7000
Matter ResolvedRequest
Adjourment		20312/6/2023 10:00 am23-17925 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 3 required payments   Arrears: $235.00  
AS of 11/28/23(mk): email to atty- ok to terms

**Can Rec Confirm at $ 470 PTD , Then $237 x 58 Begin 12/1/23 0%.
Trustee to pay Ally a total secured claim amount (2-1) in the amount of 7,152.90 through the plan. IRS per plan claim of $2,000 will not be paid unless a timely claim is filed.
Must file Pre conf Cert. w/ in 7 days**




1.Trustee Objection:
-Need to file Pre-Confirmation Certification.

------RESOLVED-------------
-Need a statement for the debtor's 401k loan.(Provided)
- Ally plan amt includes interest- need order to pay an amt other than claim amt. MK; lang added to pay claim total of $7,152.90


Plan:$235 X 60; $0
2/2 payments
Matter ResolvedRequest
Adjourment		20412/6/2023 10:00 am23-17926 / CMGSeymour Wasserstrum, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 3 required payments   Arrears: $1,980.00  
AS OF 12/5/23 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. Objection filed by Santander Consumer (Morton) - cramdown value on the 2017 Murano is too low. Creditor wants $18,600 at 10.5% for a total of $23,987.19. (UNRESOLVED)

2. Trustee's objection:
- Need 2022 tax return prior to confirmation. (NOT RECEIVED)
- $2,500/month for rent (need proof) (NOT RECEIVED)
- The debtor has insufficient income. Verified income leaves monthly disposable income of $389.60.
- Need August and September bank statements for Venmo and Paypal accounts. (NOT RECEIVED)
- Need to file Pre-Confirmation Certification.
- The IRS filed an estimated claim which needs to be amended. (STIL ESTIMATED)
- The State of NJ Division of Taxation filed an estimated claim which needs to be amended. (STILL ESTIMATED)
- Need to resolve objection filed by Santander. (UNRESOLVED)

RESOLVED ISSUES:
- Plan proposes a non standard order of distribution. (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION)

Plan proposes: $660 x 60 beginning 10/1/2023, $0 to unsecured creditors
Payments: 0/3, arrears $1,980
Matter ResolvedRequest
Adjourment		20512/6/2023 10:00 am23-17930 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 0 of 3 required payments   Arrears: $2,550.00  
As of 12/5/23 (DS): Debtor atty requested adjournment to file a mod plan

As of 12/1/23 (DS): 1. No Trustee payments made, arrears $2,550, made 0 out of 3. PROOF OF PAYMENT PROVIDED CERTIFIED CHECK DATED 12/1/23 FOR $1,700

2. Trustee obj to the following:
- There is estimated non-exempt equity $93,595.40 in real property, pending all tax claims resolved.
- Must resolve creditor objection.
- Must file Pre-confirmation certificate.

3. PHH Mortgage/Deutsche (ALEISHA JENNINGS) obj to loan mod is speculative and not offered. Obj must be resolved.

4. Must resolve estimated tax claims of State of NJ and IRS, both estimated due to 2022 tax return not filed. Also State of NJ listed in plan as $0 owed, claim filed secured owed $8,142.89 and IRS claim filed much higher than plan $1,602.51, POC $15,742.46.

5. Need fee app within 7 days from confirming.

6. Bar date has passed, no secured claims filed by T.R.W.R.A., Associated Dermatologist and Portfolio Recovery (Portfolio/Home Depot did file unsecured claim $668.50. Recommend striking all and paying Portfolio as guc.

Prop Plan $850 x 60 begin 10/1/23; 100% and Loan mod on Serand Ave by 3/31/24
Matter ResolvedRequest
Adjourment		20612/6/2023 10:00 am23-17985 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $1,000.00  
UPDATED 12/5/2023 (JMA)
issues as of 11/16/2023 (JMA)

1) IRS claim 1 estimated for 2019-2021 taxes
2) Trustee objection to confirmation - need to resolve
- copy of the last filed tax return - 2022 prior to confirmation.
- Need proof of insurance for the 2015 Chevy. PROVIDED, RESOLVED
- 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 $124,392 in non exempt equity in the residence. Needs to be 100% plan.
- There is $8,443 in non exempt equity in the 2015 Chevy.
- Need to file Pre-Confirmation Certification.
- The IRS filed an estimated claim which needs to be amended.RS claim 1 estimated for 2019-2021 taxes

proposed paln $1000x60 base plan
paid in $2,000
arrears $1,000
last claim 20
Matter ResolvedRequest
Adjourment		20712/6/2023 10:00 am23-17987 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 2 of 3 required payments   Arrears: $750.00  
AS OF 11/30/23 (SF)

1. Objection filed by Wells Fargo (Powers Kirn) - failure to pay arrears; speculative sale and failure to provide for adequate protection payments

2. IRS filed estimated priority claim 1-1 (NEED AMENDED CLAIM)

3. State of NJ filed estimated priority claim 8-1 (NEED AMENDED CLAIM)

4. IRS filed secured claim 1-1 in the amount of $44,094.73 which is not addressed in plan (OK TO PAY?)

5. Trustee objection:

- There is estimated non-exempt equity in real property $106,180, 2018 Audi $5,597.50, 2016 BMW 1/2 interest $15,318.50, 2007 Audi S4 $2,283 and Wells Fargo acct 1/2 interest $2,000.

- Must resolve IRS and State of NJ estimated tax claims.

- Add to confirming order non-exempt proceeds from sale of real property to Trustee.

- Must resolve creditor objection.

- Must file Pre-confirmation certificate.


Plan proposes $750 X 36 100% Plan; Sale by 8/31/24
Payments: 2/2


RESOLVED ISSUES:
- Objection filed by Wells Fargo (Fissel) - failure to pay arrears of $44,067.14 (RESOLVED) PAY ARREARS
Matter ResolvedRequest
Adjourment		20812/6/2023 10:00 am23-17989 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 3 required payments   Arrears: $100.00  
AS of 11/28/23 (mk): email to atty- OK to terms


**CAN REC CONFIRM AT $100 x 15 Begin 10/1/23 Then $400 x 25 Begin 1/1/25 Then $900 x 20 Begin 2/1/27. Base w/ minimum of $20,260 Due to Equity in real Property. Plan extended to total of 60 months**


Plan is proposed for 49 mos - will need much higher 3rd tier as MTG arrears were added to plan OR PLAN CAN BE EXTENDED TO 60 MOS


1. Trustee objection:
- as of now there is 20,260 in equity in real property. PLan min covers that 2nd mtg has not filed a claim and bar date.


Plan:$100 X 14; $400 X 13; $900 X 22 BEG 10/2023; MIN $20,260
2/2 payments
Matter ResolvedRequest
Adjourment		20912/6/2023 10:00 am23-18003 / CMGFRANCIS P CULLARI, ESQConfirmation Hearing ScheduledContinued
1/3/2024 10:00 am		Debtor has made 2 of 3 required payments   Arrears: $1,590.00  
AS OF 11/27/2023 (at):

Trustee's objection:
- The debtor has insufficient income . Verified income leaves monthly disposable income of $1,187.85.
- The debtor has failed to supply the Trustee with the following document (s):
- Need a statement for the P&F loan deduction on debtor's pay checks. (NOT RECEIVED)
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need to resolve the estimated claim filed by the IRS. (STILL ESTIMATED)

Plan proposes: $1,592 x 60 beginning 10/1/2023, base
Payments: 2/2
Matter ResolvedRequest
Adjourment		21012/6/2023 10:00 am23-18006 / CMGFRANCIS P CULLARI, ESQConfirmation Hearing ScheduledContinued
1/3/2024 10:00 am		Debtor has made 2 of 3 required payments   Arrears: $1,520.00  
As of 11/28/23 (DS): Debtor attorney requested adjournment to allow time to provide documents

Note: Updated homeowner insurance provided 11/1/23
Matter ResolvedRequest
Adjourment		21112/6/2023 10:00 am23-18035 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
1/3/2024 10:00 am		Debtor has made 2 of 3 required payments   Arrears: $250.00  
issues as of 11/29/2023 (JMA)

1) 341 scheduled for 11/30/2023 - rescheduled for 12/14/2023
2) Specialize Loan Servicing LLC (McCalla Raymer) objection to confirmation - need to resolve
-claim filed with arrears of $132,324.09
3) Current with Trustee plan payments
4) Need to file Pre-Confirmation Certification with Court
Matter ResolvedRequest
Adjourment		21212/6/2023 10:00 am23-18043 / CMGKevin C. Fayette, EsqConfirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 3 required payments   Arrears: $1,025.00  
AS OF 11/27/23 (SF)

RECOMMEND $1025 X 60 BASE (BEGIN 10/1/23)



- The debtor has failed to supply the Trustee with the following document (s):

- A copy of the homeowner's insurance renewal declaration; insurance expired 10/30/23.

- Must file Pre-confirmation certificate. (FILED)

Plan proposes $1025 x 60 Base
Payments: 2/2




Matter ResolvedRequest
Adjourment		21312/6/2023 10:00 am23-18045 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 2 of 3 required payments   Arrears: $725.00  
needs time to resolve est. Tax claim
Matter ResolvedRequest
Adjourment		21412/6/2023 10:00 am23-18046 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 3 required payments   Arrears: $5,375.00  
AS OF 12/5/2023 (at):

TRUSTEE ARREARS ARE $5,375.

1. Objection filed by Ford Motor Credit (Morton) - plan is silent as to Ford's claim for the 2021 Ford Mustang.

2. Objection filed by Ford Motor Credit (Morton) - failure to cure correct pre-petition arrears of $678.05 for the 2022 Ford Edge lease.

3. Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason(s):
- Proof of income verifies higher, there is disposable income $3,025.
- 22c also has disposable income but cannot verify due to 122 C-2 not filed. (100% Plan)
- Need bank statements from Bank of America acct#9693 for August and September. (NOT RECEIVED)
- 122C-2 was not filed. Must file 122c-2, due to case being above median. (NOT FILED)
- Must resolve IRS estimated tax claim. (STILL ESTIMATED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document (s):
- Updated auto insurance, insurance expired 11/16/23. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $195,160 non-exempt equity in real property, $1,338.19 in TD Bank acct and
estimated non-exempt equity in Bank of America, pending bank statements. (100% Plan ) (LANGUAGE ADDED)-
- Ford Motor Credit for leased 2022 Ford Edge filed arrears claim $104.04. (OBJECTION FILED - LISTED ABOVE)
- Must file Pre-confirmation certificate. (FILED)

Modified plan before confirmation proposes: $2,700 x 60 beginning 10/1/2023, 100% plan
Payments: 1/3, arrears $5,375
Matter ResolvedRequest
Adjourment		21512/6/2023 10:00 am23-18048 / CMGAndrew M. Carroll, Esq.Confirmation Hearing ScheduledContinued
2/7/2024 10:00 am		Debtor has made 3 of 3 required payments   Arrears: $0  

As of 12/4/23 (DS): Debtor attorney requested adjournment to resolve all issues.

As of 12/4/23 (DS): 1. Trustee obj to the following:
- There is non-exempt equity in real property $33,442.84. Bar date has passed, total gucs filed $432.90.
- Must file Pre-confirmation certificate.

2. Nationstar/Mortgage Asset (MCCALLA RAYMER LEIBERT PIERCE) obj to sale being speculative. (Zillow does not list property for sale and sale is to be by 1/1/24?). Must resolve obj.

3. Willingboro Tax Collector filed secured claim for $1,205.13, not priority per Plan $4,613.01.

Prop Plan $100 x 60 begin 10/1/23; 100% and Sale of Balfour Ln by 1/1/23
Note: Homeowner insurance provided 12/4/23.
The attorney fees in plan and attorney disclosure do agree, per amended disclosure filed 9/19/23.
Matter ResolvedRequest
Adjourment		21612/6/2023 10:00 am23-18079 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 3 required payments   Arrears: $9,636.00  
updated 12/1/2023 (JMA)
issues as of 11/16/2023 (JMA)

1) Not current with Trustee plan payments, arrears $9,818
2) New York priority claim #1 estimated for 2014 and 2015 taxes - need to resolve
3) Greene Street Funding Trust claim #9 arrears lower than scheduled
4) Trustee objection to confirmation - need to resolve
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): -Form 122c-2 Line 45 shows disposable monthly income of $3,372.42 which requires minimum $202,465 dividend to general unsecured creditors.
- Schedule J expense for mortgage in the amount of $6,514.90 which is half of total income.
- Need to file Pre-Confirmation Certification with Court
- Any non exempt proceeds form auto accident law suit be paid to TR

proposed plan $4812x12, $7568x48 base plan with non-exempt proceeds from PI case
paid in $4818
arrears $9636
last claim 9

Matter ResolvedRequest
Adjourment		21712/6/2023 10:00 am23-18083 / CMGSTEVEN D PERTUZ, ESQConfirmation Hearing ScheduledContinued
2/7/2024 10:00 am		Debtor has made 2 of 3 required payments   Arrears: $432.00  
12/4/23 (sf) Attorney has requested adjournment but is waiting for consent from objecting creditor.

AS OF 11/28/23 (SF)

1. MUST REQUEST ADJ OF CONF HEARING
1. 341 NOT HELD - RESCHEDULED TO 12/14/23
2. PAYMENTS: 1/2 ARREARS: $432.23
Matter ResolvedRequest
Adjourment		21812/6/2023 10:00 am23-18088 / CMGEugene Roth, Esq.Confirmation Hearing ScheduledContinued
1/3/2024 10:00 am		Debtor has made 3 of 3 required payments   Arrears: $0  

11/29/23(mk) retention for realtor application filed. debtor has a K for sale- will this resolve creditor objection?

As of 11/28/23(mk):


1. Objection by US Bank(RAS):
- projects to payment thru sale- speculative- no proof of efforts to sell.

2. Trustee Objection:
- Proof of income verifies much higher, there is disposable income $1,728.
-There is non-exempt equity in PNC Bank
checking acct#9214 $2,798.
- Add to confirming order non-exempt proceeds from sale of real property to Trustee.
- Tr Std order of distribution.
- Must file pre conf cert.

Plan: $186 x 36 begin 10/1/23; Base and Sale of Cypress Ln 6 months post-conf
2/2 payments
Matter ResolvedRequest
Adjourment		21912/6/2023 10:00 am23-18217 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 1 of 3 required payments   Arrears: $800.00  
AS OF 11/30/2023 (at):

RECOMMEND: $400 PAID TO DATE, $497 x 58 BEGINNING 12/1/2023, BASE

Trustee's objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of $264.01.
- $25,000 transferred into that account on 8/17/23. What was source of those funds ? (NOT ANSWERED)

RESOLVED ISSUES:
- Need August and September bank statements for account #3688. (RECEIVED)
- Need statements for the debtor's (2) 401k loans. (RECEIVED - LOANS ARE NOW PAID OFF)
- The debtor has failed to supply the Trustee with the following document (s):
- Need a statement for the Americo Financial whole life insurance policy. (RECEIVED - NO VALUE)

Plan proposes: $400 x 60 beginning 10/1/2023, base
Payments: 1/2, arrears $400
Matter ResolvedRequest
Adjourment		22012/6/2023 10:00 am23-18268 / CMGMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 2 of 3 required payments   Arrears: $636.00  
As of 11/29/23 (DS): Debtor atty requested adjournment to resolve obj with Carrington on property not on Schedules or Plan.

As of 11/21/23 (DS): 1. Trustee obj to the following:
- Excessive expense for medical/dental $650.
- There is non-exempt equity in real property $88,010.89 and $1,920 in 2010 Camper. RECOMMEND WAITING PASS BAR DATE 11/30/23.
- Need Trustee standard order of distribution.
- Must file Pre-confirmation certificate.
- Must resolve creditors objections.

2. Carrington (STERN, LAVINTHAL & FRANKENBER) obj to property Federal Ct, Galloway, NJ property not listed on Sched A, D or Plan. Arrears owed $807.18, no POC filed.

3. Shellpoint (PARKER MCCAY) obj to arrears more than what plan is proposing. POC filed arrears $36,158.71.

Prop Plan $642 x 60 begin 10/2023; Base
Matter ResolvedRequest
Adjourment		22112/6/2023 10:00 am23-18271 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 3 required payments   Arrears: $603.00  
updated 12/1/2023 (JMA)

ok to confirm at $1,206 paid to date, $841x58 begin 12/1/2023 base plan which includes minimum $38,950.02 dividend to gucs due to non-exempt equity
-need to file Pre-Confirmation Certification with Court within 7 days of confirmation
-Consent order resolving Lakeview Loan Servicing LLC paying arrears through plan

issues as of 11/16/2023 (JMA)

1) Lakeview Loan Servicing LLC (Brock & Scott) objection to confirmation - need to resolve
-anticipated pre-petition arrearage totaling $1,003.72
2) Trustee objection to confirmation - need to resolve
- Proof of 2 month's income - for TJX (part-time)
- Need Aug & Sept bank statements for Chase accounts 2792 and 3622.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $513/month for food; $300/month for pets; $920/month for weight management. Need proof of excessive expenses 10 days prior to confirmation.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is $39,173 in non-exempt equity in the residence.
- Need to file Pre-Confirmation Certification.

proposed plan $603x60 minimum $30,000 dividend to gucs
paid in $603
arrearss $603
last claim 6
Matter ResolvedRequest
Adjourment		22212/6/2023 10:00 am23-18297 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $1,446.00  
AS OF 12/4/23 (SF) UPDATED

1. Trustee objection:

The debtor has failed to supply the Trustee with the following document (s):

- Need August and September bank statements for account #0647. (STILL NEED)

- Prior case was conduit , trustee recommends conduit (WILL THIS BE A CONDUIT CASE?)


Plan proposes $1382 x 60 Base
Payments: 2/3 Arrears: $1446

RESOLVED ISSUES:
- Need to file Pre-Confirmation Certification. (FILED)
- Need a copy of the homeowner's insurance renewal declaration - that includes liability coverage. (RECEIVED)
Matter ResolvedRequest
Adjourment		22312/6/2023 10:00 am23-18327 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 2 of 3 required payments   Arrears: $568.00  
AS OF 11/30/2023 (at):

1. Objection filed by Wells Fargo Bank (Brock & Scott) - failure to cure arrears of $4,150.98. Plan proposes to pay $0. (UNRESOLVED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Business profit & loss statements (NOT RECEIVED)
- Need to resolve objection by Wells Fargo Bank. (UNRESOLVED)
- Need a P&L for E-bay income. (NOT RECEIVED)

RESOLVED ISSUES:
- Need August and September bank statements for Wells Fargo account 2751. (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 $18,286 in non exempt equity in the residence. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $568 x 42 beginning 10/1/2023, not less than $18,286.94 to unsecured creditors
Payments: 2/2
Matter ResolvedRequest
Adjourment		22412/6/2023 10:00 am23-18331 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 12/5/2023 (AT)

RECOMMEND: $600 PAID TO DATE, $447 x 57 BEGINNING 1/1/2024, 100% PLAN
PRESERVE NON EXEMPT EQUITY OF $52,971 IN REAL ESTATE.

1. The plan does not propose enough to pay plan at 100%. Bar date does not expire until 12/4/23.

Trustee's objection:
- There is $52,971.00 in non exempt equity in the residence.
- The Debtor has insufficient income. Verified income leaves monthly disposable income of $71.02.
- Need 2022 tax return prior to confirmation.
- Need to file Pre-Confirmation Certification.
- Need a Tax Declaration Form

Plan proposes $200 x 36 100% Plan
Payments: 3/3


Matter ResolvedRequest
Adjourment		22512/6/2023 10:00 am23-18332 / CMGTHOMAS G. EGNERConfirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 3 of 3 required payments   Arrears: $0  

As of 12/4/23 (DS): Debtor attorney requested adj to allow time for updated POI. Debtor has returned to work 11/28/23. Must provide paystubs from 11/28/23 until 1/8/24.

As of 11/21/23 (DS): 1. Trustee obj to the following:
- There is non-exempt equity in real property $20,117.71.
- Need 2 paystubs from Debtor for job with BJ's. Per Debtor's cert dated 11/13/23 he is not working since 10/8/23, therefore cannot provide proof of income from BJ's, last pay date was 10/6/23. IS DEBTOR CURRENTLY WORKING? IS PLAN FEASIBLE?

2. Arrears claimi filed by Hyundai Capital $585.54. Plan has outside. Trustee ok to pay?

Prop Plan $456 x 60 begin 10/1/23; Base
Note: Citizen Bank acct statements provided.
Matter ResolvedRequest
Adjourment		22612/6/2023 10:00 am23-18346 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 2 of 3 required payments   Arrears: $500.00  
341 now on for 12/28/23

updated 11/29/2023 (JMA)
issues as of 11/16/2023 (JMA)

1) 341 not held, not recheduled
2) Need to file Pre Confirmation Certification with Court
3) Nationstar Mortgage LLC (RASC) objection to confirmation - need to resolve
-loan mod has not been offered or approved
-not feasible insufficient income
Matter ResolvedRequest
Adjourment		22712/6/2023 10:00 am23-18348 / CMGJoseph Albanese, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 2 of 3 required payments   Arrears: $100.00  
AS OF 11/17/23 (SF)

1. Motion for Relief filed by Americredit/GM scheduled for 12/20 at 9

2. The current Plan does not specify treatment of US Dept of HUD secured claim under the Plan.

3. Trustee objection:
- Need Proof of 2 month's income - for July through September only for non filing spouse.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$1,000/month for child care; Need proof of excessive expenses 10 days prior to confirmation.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $11,377 when
determining disposable income.

- The current Plan does not specify treatment of Americredit Financial secured claim under the Plan.

- The debtor's Plan proposes an order of distribution that is contrary to the Trustee 's
recommended order of distribution.

- Need to file Pre-Confirmation Certification.

- Need updated proof of income (Sept & Oct) for 3rd part-time job at Professional Therapy Associates (PTA).

Plan proposes $100 x 36 Base
Payments: 2/2

RESOLVED ISSUES:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$374/month for a motorcycle (luxury item);
$627 & $556/month car payments ($556 auto payment and $374 motor cycle payment belong to nonfiling spouse)
Need proof of excessive expenses 10 days prior to confirmation.
Matter ResolvedRequest
Adjourment		22812/6/2023 10:00 am23-18637 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledContinued
1/17/2024 10:00 am		Debtor has made 0 of 2 required payments   Arrears: $1,272.00  
mk: atty has proof o 1 payment pending

As of 12/4/23 (DS): Debtor atty requested adjournment, request denied, no Trustee payments made.

As of 12/1/23 (DS): 1. Debtor in arrears $1,272, made 0 out of 2 payments.

2. Trustee obj to the following:
- Proof of income shows enough income to continue payments of $643 throughout the
life of the plan. Payments should not be reduced in the 25th month as proposed in plan. Disposable income verifies $786.37.
- Need Trustee standard order of distribution.
- Must file Pre-confirmation certificate.

Prop Plan $636 x 24 begin 11/1/23 ; $300 x 12; $0
Matter ResolvedRequest
Adjourment		22912/6/2023 10:00 am23-18666 / CMGBrad J. Sadek, Esq.Confirmation Hearing ScheduledContinued
1/3/2024 10:00 am		Debtor has made 2 of 2 required payments   Arrears: $0  

AS OF 11/30/2023 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT THE 341 CAN BE CONDUCTED.

1. 341 is scheduled for 12/14/2023.
2. Payments: 1/1
Matter ResolvedRequest
Adjourment		23012/6/2023 10:00 am23-18712 / CMGSCOTT E KAPLAN ESQConfirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $1,140.00  
As of 11/16/23 (DS): 341 sched 12/21/23, must submit confirmation adjournment request.
Matter ResolvedRequest
Adjourment		23112/6/2023 10:00 am23-18731 / CMGAndrew Thomas Archer Confirmation Hearing ScheduledContinued
1/3/2024 10:00 am		Debtor has made 1 of 2 required payments   Arrears: $883.00  
issues as of 11/16/2023 (JMA)

1) 341 scheduled for 11/30/2023 HELD
2) US Bank (McCalla Raymer) objection to confirmation - need to resolve
-anticipated arrears $50,356.54
Matter ResolvedRequest
Adjourment		23212/6/2023 12:00 pm18-17695 / CMGCandyce I. Smith-Sklar, Esq.Motion CompensationGrantedTotal Paid In: $34,746.00
MP filed to address fees-12/6
Matter ResolvedRequest
Adjourment		23312/6/2023 12:00 pm20-16743 / CMGMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $70,330.00
***AMT: ATTY HAS NOT FILED POC & MTN TO ALLOW PP CLM TO BEACHWOOD WITHIN 30 DAYS OF 10/18/23 CONF *** mk; sent atty an email
Matter ResolvedRequest
Adjourment		23412/6/2023 12:00 pm21-14739 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $15,000.00
Matter ResolvedRequest
Adjourment		23512/6/2023 12:00 pm22-13363 / CMGAndrew Thomas Archer Motion CompensationGrantedTotal Paid In: $10,391.00
Matter ResolvedRequest
Adjourment		23612/6/2023 12:00 pm22-18852 / CMGKarina Pia Lucid, Esq.Motion CompensationGrantedTotal Paid In: $8,050.00
Matter ResolvedRequest
Adjourment		23812/6/2023 12:00 pm23-10677 / CMGPRO SEMotion Reinstate StayContinued
1/17/2024 12:00 pm
INTERIM ORDER EXTENDING STAY TO 11/7/24 ENTERED PER CT.IF DEBTOR IS NOT ABLE TO FIND AN ATTY HE MUST PROCEED SELF REPRESENTED

PER CHAMBERS- ADJ PEREMPTORY TO 1/17/24

mk: judge will reinstate the stay and has asked creditor to clarifying the POC and supplement the claim- Judge wants to understand how much debtor owes the creditors- creditor has to provide info for Judge- CMG wants a breakdown of all monies claimed to be owed. so needs to supplement POC by 11/6/23.


10/3/23(mk) :email from G. Miller: that says:
There will be no prosecution of the motion to re-impose the stay or the chapter 13 case in general. I took the time to explain to the Debtor that he had no standing to retain the home as a judgement for possession has already been entered.


9/27/23(mk) Debtor had retained G. Miller but then atty said could not help so returned his $ for retainer so debtor is still pro se


9/14/23(mk) mail from debtor- ill requesting adj. CT said adj PREMPTORY 10/4.
Note. John Monari- no longer at Pincus firm contact Sheri Smith- mk emailed her about new date- JEROME BLANK FROM PINCUS NOW HANDLING THE FILE


9/7/23(mk) emailed debtor about plan payments and sent him a TR report. he appears to be sending to the lock box but since July has not paid the full 1629 so that is what we show arrears

CT will reimpose Stay till MP

Debtor says now will retain Georgette Miller to represent


VA obj (Pincus) J Momari<> Debtor's MTN TO REINSTATE STAY

Matter ResolvedRequest
Adjourment		23712/6/2023 12:00 pm23-10677 / CMGPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
1/17/2024 12:00 pm
PER CHAMBERS- ADJ PEREMPTORY TO 1/17/24.PER CT.IF DEBTOR IS NOT ABLE TO FIND AN ATTY HE MUST PROCEED SELF REPRESENTED

AMT: MP 12/6 **NEEDS RESOLUTION**<<>>

10/4 : debtor will bring current

10/3/23(mk) :email from G. Miller: that says:
There will be no prosecution of the motion to re-impose the stay or the chapter 13 case in general. I took the time to explain to the Debtor that he had no standing to retain the home as a judgement for possession has already been entered.



9/27/23(mk) Debtor had retained G. Miller but then atty said could not help so returned his $ for retainer


9/14/23(mk)email from debtor- ill requesting adj. CT said adj peremptory 10/4.


9/13/23(mk):emailed debtor about no MP and asked if he had retained Atty and telling him both motion s hold for Judge at noon

PLAN WAS DENIED ON 7/19/23 AND FAILED TO FILE MP WITHIN 30 DAYS
Matter ResolvedRequest
Adjourment		23912/6/2023 12:00 pm23-13654 / CMGMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $3,150.00
Matter ResolvedRequest
Adjourment		24012/6/2023 12:00 pm23-13740 / CMGCarrie J. Boyle, Esq.Motion CompensationGrantedTotal Paid In: $4,775.00
Matter ResolvedRequest
Adjourment		24112/6/2023 12:00 pm23-14626 / CMGJeffrey E. Jenkins, Esq.Motion CompensationContinued
12/20/2023 9:00 am
Tr obj

TR motion on 12/20 failed to file a MP
Matter ResolvedRequest
Adjourment		24212/6/2023 12:00 pm23-15507 / CMGAllen I. Gorski, Esq.Motion CompensationRevised Order Submitted
Trustee obj<> FEE APPLICATION
Matter ResolvedRequest
Adjourment		24312/6/2023 12:00 pm23-16535 / CMGMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $2,184.00
Matter ResolvedRequest
Adjourment		24412/6/2023 12:00 pm23-17199 / CMGMarc C. Capone, Esq.Motion CompensationGrantedTotal Paid In: $4,950.00
Matter ResolvedRequest
Adjourment		24512/6/2023 12:00 pm23-17501 / CMGAllen I. Gorski, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment		24612/6/2023 12:00 pm23-17557 / CMGDavid L. Stevens, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment		24812/6/2023 12:00 pm23-18292 / CMGPRO SEMotion Motion (Generic) - Only use if no other event is applicableContinued
1/3/2024 12:00 pm
MOTION FOR MULTIPLE RELIEF
Matter ResolvedRequest
Adjourment		24712/6/2023 12:00 pm23-18292 / CMGPRO SEMotion Motion (Generic) - Only use if no other event is applicableHold for Judge
MTN TO CHANGE VENUE FROM TRENTON TO CAMDEN AND REQUEST JUDGE RECUSE FORM CASE
Matter ResolvedRequest
Adjourment		012/6/2023 2:00 pm22-17371 / RG David G. Beslow, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $4,550.00
AMT: Trustee takes no position/any proposed order resolving must be served on orders@russotrustee.com<<>>

Debtor obj, paying<>SANTANDER/2017 Rogue (Morton)
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes