Judge Christine M. Gravelle
Hearing Date: 12/18/2024
Hearing Count: 0
Last Updated: 12-09-2024 06:51 PM

Type an attorney name, case number, or disposition in the box below to filter results.
Example: type the last name of the debtor's attorney to show only records for that attorney;
type a case number to see only that case

Back to Hearings List
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
012/18/2024 8:30 am22-17371 / RG David G. Beslow, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 24 of 27 required payments   Arrears: $1,050.00  Total Paid In: $8,400.00
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am17-34307 / CMGKirsten B. Ennis, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objections
Debtor obj<> QUAILBROOK HOA (McGovern)

4th hearing date
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am19-10868 / CMGRobert Cameron Legg, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $56,369.00
11/20; trying to resolve w/ conduit maybe debtor has made payments and needs to prove that-adj to 12/18

Debtor obj<>PHH/Gail Drive (RAS)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am19-26994 / CMGThomas G. Egner, Esq.Motion to Cancel DischargeNo Opposition Filed
MTN TO CANCEL DISCHARGE/US DEPT HUD MTG
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am20-20530 / CMGJames J. Cerbone, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsTotal Paid In: $14,166.00
>>OST>

updated cert filed- Motion OK now

MOTION TO OBTAIN POST PETITION FINANCING

Debtor wants to buy new home in FLA> loan amt 125,000 for 30 years at 6/5%
Says Ch 13 plan will be paid off at closing

TR Objection:

mk see support doc #100 - term sheet for loan NO K of sale attached to motion. Certification is very brief and dose not provide any detail at all
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am21-12068 / CMGJohn Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $38,075.00
AMT: PIF/PENDING CLOSING<<>>

FAILED TO PAY PLAN BALANCE
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am21-17839 / CMGTamika N. Wyche, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $17,383.00
Debtor obj<>WILMINGTON SAVINGS /Rockland Dr)(STERN & EISENBERG)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am21-18442 / CMGJavier L. Merino, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $51,897.00
Debtor obj, current through Nov, will pay Dec<>US BANK/Canterbury Court (RAS)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am21-19417 / CMGJames J. Cerbone, Esq.Motion Reinstate StayNo Opposition FiledTotal Paid In: $152,361.00
AMT; TR LTR REQUESTING CONDUIT<>

MTN REIMPOSE STAY

Debtor says has paid all arrears due since SV order

TR Motion filed on for 1/15/25 for SV and Arrears now 4,405 as of 12/6. There was payment made 12/4 that posted and reduced arrears after Tr notion was filed.
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am22-10127 / CMGScott D. Sherman, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $18,536.00
Debtor obj<>FOXCHASE AT TINTON FALLS CONDO (mCgOVERN)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am22-10331 / CMGJohn Zimnis, Esq.Motion Reinstate StayNo Opposition FiledTotal Paid In: $8,523.00
MTN REINSTATE STAY
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am22-11561 / CMGBruce C. Truesdale, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $5,750.00
11/18/24(mk): Creditor (C. Woener) rejects conduit and is moving for relief. will notify debtor atty


amt: TR LTR REQUESTING CONDUIT<>

Debtor obj, made pymt, will pay balance prior to hearing<> LAKEVIEW LOAN/North 7th (RAS
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am22-13519 / CMGMaryBeth Schroeder, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $66,874.00
ARREARS 12,200 as of 12/6- last pay 10/15/24- for 4,000 which was NSF
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am22-15195 / CMGAndrew G. Greenberg, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $103,193.00
Debtor obj, can resume & requests recap<> ARREARS 14,288.67 as of 12/6
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-10233 / CMGStacey L. Mullen, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $9,600.00
Debtor obj, made pymt<>CITY OF TRENTON (Zeitz)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-10255 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $31,400.00
ARREARS 4,300

we did a TR order Sept- Debtor did not pay Oct or Nov. Made a Dec. payment that was $100 short of what the payment is supposed to be.
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-10310 / CMGSteven J. Abelson, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $34,082.00
ALLY CAPITAL /2015 honda civic(LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-10486 / CMGJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
1/15/2025 9:00 am
Total Paid In: $17,250.00
MP filed extends time to sell bar & liquor license- Om 1/15/25

Debtor obj, has buyer<>FAILED TO SELL 2ND ST PPTY BY 11/1/24
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-11217 / CMGJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $163,172.00
Mk: adj this to 12/18 to see what happens w/ MP to be filed

amt: MP 11/6< atty is withdrawing that plan and will file a MP in 14 days Debtor 2 is no longer receiving unemployment compensation as of Friday the 1st and Debtors 1 and 2 provided their updated expenses and income for amended schedules


9/4 mp ADJ 10/2/ PEREMPTORY**<<>>


5/29/24(mk): email to atty- SAYS FILED A MP AND WILL FILE OPP'N co debtor was employed as a nurse - now back in school


(AMT: NEEDS TO ADDRESS ORDER #60, APPROVING REFI/MTG CLM RESERVED PENDING APOC OR NOTIFICATION THAT REFI DID NOT COMPLETE) <<>>

ARREARS 23,496 as of 8/6/24

MTG Claim of Nationstar is supposed to be amended as debtor go t ERMA funds
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-11864 / CMGNicholas Fitzgerald, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $7,365.00
LAKEVIEW LOAN/cHERRY sT (STERN LAVINTHAL)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-12340 / CMGKevin C. Fayette, Esq.Motion Relief from Co-Debtor StayWithdrawnTotal Paid In: $35,346.00
Debtor obj, made pymts<>CROSSCOUNTRY MTG/Silver Lake Dr (ROBERTSON)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-12798 / CMGKirsten B. Ennis, Esq.Motion CompensationNeeds Resolution of Issues - ObjectionsTotal Paid In: $5,000.00
12/6/24: still nothing from atty

12/2/24(mk):sent follow up email to atty

supp fees for total case 6,042.50. atty flat fee 4750 and had 2750 coming thru plan at confirmation. Fees need to be reduced for all services up to confirmation as flat fee covers those
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-14365 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $4,200.00
AMT: MP 12/18<<>>

Debtor obj, filed mp<>FAILED TO REFI BY 10/1/24
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-14460 / CMGGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $52,920.00
CSMC 2018-SP3 TRUST /eAST gREYSTONE rD (RAS)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-15521 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $3,600.00
AMT: MP 12/18>REC DISMISS



FAILED TO REFI BY 7/1/24

debtor opp'n>>filed MP to remove refi and make it a cure plan
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-15721 / CMGBrad J. Sadek, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
1/15/2025 9:00 am
Total Paid In: $7,666.00
MP (#67) filed on 1/15/25


Debtor obj, filing MP<>SV/SANTANDER(Auto)
filing MP once MRF is resolved

MFR 11/20/24>>conduit /otbs
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-16235 / CMGVera Fedoroff, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $13,347.00
FAILED TO SELL LONGEST DR PPTY BY 10/30/24
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-16994 / CMGKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $15,128.00
SV/SLEENE FINANCE & HYUNDAI;
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-17437 / CMGRussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $37,804.00
12/18 to be totally current

11/18/24(mk); atty says debtor sending NOV payment next week.... that does not help the hearing this week...


10/23 amt: funds posted/current through oct<<>>only owes the Nov payment now of $4,850 .


-----------------------------------

10/15/24: atty has proof of 9978 payment( Bank ck) will be mailed ot- ADJ 11/6 for posting and Nov payent to be completely current

10/4 AMT: $10,000 POSTED/ARREARS $9,978<<>>

9/18/24(MK) ATTY HAS 10,000 AND DEBTOR WILL HAVE REST BY 9/30. ADJ TO 10/16 TO POST AND BE CUTRRENT


8/7/24: TR willadj for $ to post and Tr will propose by 9/18 debtor be fully current

Debtor obj, paying<>ARREARS 13,788

8/5/24: atty emails : debtor says paid 1,561 on 7/12 ( not posted yet)and scheduled another payment of 3500 for 8/1/24 - debtor wants chance to cure rest- ATTY TOLD TO APPEAR
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-17449 / CMGLee M. Perlman, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $10,500.00
HYUNDAI LEASE/2021 Elantra (EISENBERG)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-17521 / CMGDaniel E. Straffi, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $3,132.00
Debtor obj, requests recap<> ARREARS
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-17833 / CMGMelinda D. Middlebrooks, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $35,250.00
11/20 :debtor says account is current- creditor needs to confirm that

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, will pay<> PHH/East highland Ave (ras)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-17833 / CMGMelinda D. Middlebrooks, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $35,250.00
Debtor obj, will pay<> ARREARS 15,000 Last pay 8/18/24

debtor says can be current by 12/30/24
There has already been 1 TR recap

100$ plan
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-19553 / CMGAndrew G. Greenberg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $6,000.00
adj 12/18 PEREMPTORY

11/5/24(mk): atty advised that the LM WAS DENIED. He wants to appeal and creditor agrees to adj to 12/18


Debtor obj, requests recap<>US BANK NAT'L ASSOC/Leroy Place (ROMANO)

Post pet default is 5,413.19

STATUS on the LM;
creditor Atty( E. Argentieri) will try to get confirmation on a complete LM package prior to hearing

10/25/24(mk): email from debtor atty that Lm was submitted. letter and attachment form affordable housing alliance dated 10/10/24 that they have been working w. Debtor since JULY 2024 on this. Rushmore has requested more info./add'l dox several times and the LM is still in review w/ underwriter. Rushmore has not provided a final approval yet
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-19553 / CMGAndrew G. Greenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $6,000.00
adj 12/18 PEREMPTORY

MFR on 12/18

4th hearing date

11/5/24(mk):atty advised that the LM WAS DENIED. He wants to appeal and creditor agrees to adj to 12/18


creditor Atty( E. Argentieri) will try to get confirmation on a complete LM package prior to hearing

10/25/24(mk): email from debtor atty that Lm was submitted. letter and attachment form affordable housing alliance dated 10/10/24 that they have been working w. Debtor since JULY 2024 on this. Rushmore has requested more info./add'l dox several times and the LM is still in review w/ underwriter. Rushmore has not provided a final approval yet


mk:atty will take the adjournment to 11/6 with the LM package to lender with verification by 10/25 or the case will be dismissed on 11/6.



10/15: atty wants it held for judge if we won't adj to 11/6- I gave him TR options for complete loan mod package to lender with verification by 10-25 or case shall be dismissed
alt loan mod os no pay arrears stay relief

adj 10/16 for status- case now 12 mos old was confirmed w/ LM by 6/24/24. This is 3rd hearing on TR motion and now there is an MFR US BANK on for 11/6/24

9/3/24(mk) debtor atty email says: Debtor submitted a loan mod application directly to the lender and not through the LM Program. Debtor will be requesting a 60 day adjournment to allow more time for the mortgage company to reach a decision


8/7/24(mk): Email form Lender: no LM by 6/21/24 and no extension filed for BK LM Program, so the BK LM Program has expired

Debtor obj, pending response to LM pkg<>FAILED TO LM BY 6/21/24

lender has complete LM package - adj 9/4for review
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-21068 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $24,240.00
WELLS FARGO/Bay Ave (KML)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-21085 / CMGVera Fedoroff, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $5,028.00
11/15/24;mk; adj request as parties trying to resolve w/ LM agmt


Debtor obj<>PENNYMAC LOAN/Reuben Court (FRENKEL LAMBERT)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-21431 / CMGKarina Pia Lucid, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsTotal Paid In: $29,720.00
TR LTR REQUESTING CONDUIT<>

Debtor obj, proposes recap<>SELECT PORTFOLIO / Grove Ave (RAS)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am23-21449 / CMGJoseph Albanese, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $3,400.00
ARREARS
Matter ResolvedRequest
Adjourment
2412/18/2024 9:00 am23-21595 / CMGJeffrey E. Jenkins, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $7,545.00
mk: parties finalizing an agreement

TRACY VILLAGE CONDO ASSOC (McGOVERN)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-10050 / CMGYakov Rudikh, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $3,137.00
Debtor obj, will pay<>R&O WOODBRIDGE URBAN RENEWAL LLC (Griffin Alexander)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-10613 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Moot - Converted to 7 / 11
FAILED TO FILE MP, POST SALE, PER ORDER DOC #35 FILED 9/6/24

11/12/24(mk) Straffi office is new counsel
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-10636 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $5,126.00
11/18(mk) M. Fissel still does not have loan history. wants adj

(amt: email to lender to verify pymts)<>

Debtor obj, made mtg pymts direct to lender; requests recap<>ARREARS
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-10979 / CMGRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $6,860.00
AMT: TR LTR REQUESTING CONDUIT<>

Debor obj<>SN SERVICING/US BANK TRUST /Cody Road(FRIEDMAN)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-10979 / CMGRobert Cameron Legg, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $6,860.00
Debtor obj<> ARREARS
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-11302 / CMGHerbert B. Raymond, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $9,600.00
11/21:mk Court notified that attys error and matter should have been adj to 12/18

AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, made pymt<>SN SERVICING/Florence Ave (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-11302 / CMGHerbert B. Raymond, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $9,600.00
Debtor obj, making pymts<> ARREARS
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-11384 / CMGSteven J. Abelson, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $6,591.00
AMT: TR LTR REQUESTING CONDUIT<>

Debtor obj, made pymt<>SELENE/Kadlubeck Way (RAS)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-11410 / CMGKevin C. Fayette, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $6,575.00
Debtor obj, can pay $2,500 & requests recap<>ARREARS 11,663 as of 12/6
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-11627 / CMGFrancis P. Cullari, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $7,238.00
AMERIHOME MTG /Inlet Ave (McCALLA RAYMER)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-12254 / CMGMoshe Rothenberg, Esq.AP Motion Summary JudgmentJudge to Reserve Decision
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-12353 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $1,350.00
DEBTOR FAILED TO REFI BY 11/1/24
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-13206 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $5,210.00
FLAGSHIP /2020 Chevy Traverse(EISENBERG)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-13830 / CMGAvram D. White, Esq.Motion to Approve Loan ModificationWithdrawnTotal Paid In: $4,900.00
Tr obj, need debtor signed cert<>US BANK MTN TO APPROVE LM (Padgett Law)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-13897 / CMGWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
1/15/2025 9:00 am
Total Paid In: $2,275.00
MP filed 12/5

Debtor obj<>FAILED TO LM BY 10/17/24
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-14391 / CMGMaryBeth Schroeder, Esq.Motion to Approve Loan ModificationNeeds Resolution of Issues - Objections

11/28/25: OBJECTION BY PENNY MAC(Frenkel L-D. McDonough)-TRIAL LOAN PAYMENTS WERE NOT MADE

11/13/24(mk) proper order was submitted for LM approval


Trustee limited obj<> MTN TO APPROVE LM
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-14391 / CMGMaryBeth Schroeder, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objections
Debtor obj, made pymt<>PENNYMAC LOAN /Bowline St (FRENKEL)

Motion to Approve LM filed- on for 12/4- revised order submitted-CREDITRO OBJECTED

CONF on 12/18
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-14776 / CMGPRO SEMotion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $410.00
SANTANDER CONSUMER (EISENBERG) 2021 Audi

debtor has already surrendered this auto in her plan on for con 12/4
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-15372 / CMGRussell L. Low, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections
12/18 PEREMPTORY

mk; adj request uploaded - parties need time to allow debtor to provide proof of payments


Debtor obj<>WOODBINE LIVING (SOBEL HAN)

MP on 11/20 is REC DISMISSAL
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-16520 / CMGDaniel E. Straffi, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objections
Debtor obj, made pymt & requests recap<> M&T/2024 Quantum (Fitzpatrick Lentz)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-16900 / CMGVera Fedoroff, Esq.Motion Relief from Stay (Fee)No Opposition Filed
SANTANDER/ 2017 Jetta (EISENBERG)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-16900 / CMGVera Fedoroff, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - Objections
Debtor obj, made pymts<>SN SERVCING /liberty ct (FRIEDMAN)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-17533 / CMGLee M. Perlman, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $5,532.00
SANTANDER /2019 Mercedes (EISENBERG)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-17533 / CMGLee M. Perlman, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $5,532.00
AMERICREDIT/2015 Ford F-150 (EISENBERG)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-17686 / CMGGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)No Opposition Filed
NATIONSTAR MTG /Greenwood Drive (LOGS)
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-18213 / CMGDonald C. Goins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)No Opposition Filed


MK: case was dismissed for no home insurance w/ personal liability- now debtor has it
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-18668 / CMGJonathan Stone, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - Objections
MK; case dismissed on 11/20: No 341 and NS by atty

TR Limited objection:
looks like we now have the 341 dox. Needs revised order adding language that 341 on or before 1/30/25 and conf 2/26
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-19286 / CMGRichard J. Pepsny, Esq.Motion Reopen Ch. 13 Case (fee)Withdrawn
>>motion to vacate dismissal filed and on for 1/15/25

MTN REOPEN

should be motion to vacate dismissal

case dismissed on Ct OSC 11/20/24
nothing was done in case it was orig filed 9/20/24
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-19958 / CMGAndre L. Kydala, Esq.Motion Relief from Stay (Fee)No Opposition Filed
US BANK TRUST NAT'L ASSOC /Cumberland Drive (RAS)


12/6: conf on 12/28 is REC DISMISS- on 341- no dox at all as of this date. Case filed 10/8/24 and has prior filings
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-21366 / CMGEugene D. RothMotion to continue stayNeeds Resolution of Issues - Objections
>>OST>>

MTN CON'T STAY
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-21498 / CMGDavid L. Stevens, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
>>OST>>>

MTN TO EXTEND STAY

TR objection:
no proof that this case will be feasible and has not demonstrated a real change in circumstances.
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-21719 / CMGJoseph Casello, Esq.Motion to extend stayNo Opposition Filed
MOTION TO EXTEND STAY

timely filed:
341 on 1/9/25
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-21719 / CMGJoseph Casello, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition Filed
MOTION TO EXTEND STAY


timely filed:
341 on 1/9/25
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-21734 / CMGAndy Winchell, Esq.Motion to extend stayNo Opposition Filed
MTN EXTEND STAY
Matter ResolvedRequest
Adjourment
012/18/2024 9:00 am24-21979 / CMGBarbara J. Snavely, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
>>OST>>

MOTION TO EXTEND AUTOMATIC STAY

Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am22-17423 / CMGSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 12 of 27 required payments   Arrears: $3,750.00  Total Paid In: $15,000.00
AS OF 12/9/2024 (mk):

PER ATTORNEY, CO-DEBTOR IS BACK TO WORK. REQUESTED UPDATED PAY STUBS. None provided as of above date

1. Need updated proof of income to justify decreasing trustee payment. (RECEIVED PROOF OF INCOME - NEED AMENDED I AND J. RIGHT NOW DISPOSABLE INCOME IS $2,825)

2. Need amended I and J. (RECEIVED)

3. Need 2023 tax return. (RECEIVED)

MP proposes: $13,500 paid to date, $250 x 37 beginning 10/1/2024, not less than $15,530 to unsecured creditors
Arrears: $4,000
(Debtor is not working due to continuing serious heart issues. Undetermined when or if he will return. Plan based on disability income going forward.)
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am23-14080 / CMGSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 14 of 19 required payments   Arrears: $3,600.00  Total Paid In: $16,450.00
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am23-14365 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 21 of 19 required payments   Arrears: $0  
Total Paid In: $4,200.00
AS OF 12/9/2024 (at):

RECOMMEND: $4,200 PAID TO DATE, $449 x 41 BEGINNING 1/1/2025, 100% PLAN
Preserve nonexempt equity of $116,254 in real estate.

MP proposes: $400 x 60, 100% plan
Arrears: $0
(Plan is being modified to remove the refinancing and make this a cure plan.)
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am23-15521 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 18 of 18 required payments   Arrears: $0  
Total Paid In: $3,600.00
AS OF 12/6/2024 mk):

**DEBTOR DOES NOT HAVE THE INCOME NEEDED TO FUND PLAN. IT IS NOT FEASIBLE. WOULD NEED $2,166 BEGIN 1/1/25 INCOME IS NEGATIVE**

>> same as last hearing in Nov. -debtor given 30 day aj to deal w/ insufficient income issue: MP IS FOR 1800 BEG 10-1 DEBTOR PAID 200

1. Objection filed by Aristacare at Manchester (Saiber LLC) - modified plan does not propose to pay this creditor in full as per the original confirming order. (UNRESOLVED) atty says ok to pay

2. Trustee's objection:

- debtor has failed to provide amended Schedules I & J. (NOT AMENDED)

- debtor has failed to provide Recent TD bank statement showing amount of funds that the MP says will help funds the Plan. The last uploaded statements were from 2023. (RECEIVED BANK STATEMENT SHOWING A BALANCE OF $581 - INSUFFICIENT)

This MP is now a cure plan and the payment goes way up and renders the plan not feasible.

MP proposes: $3,000 paid to date, $1,800 x 45 beginning 10/1/2024, not less than $76,079 to unsecured creditors
Arrears: $1,600
(Plan is being modified to make this a cure plan.)

-----RESOLVED--------
- debtor has failed to provide tax returns for 2023 (RECEIVED)
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-11556 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 10 required payments   Arrears: $3,000.00  
12/6/249mk) co circulating setting forth treatment for IRS and St on NJ-
>also per atty he has agreed w/ counsel (S. Wilhelm)for creditor Lisa Amabile- 2 late claims to be paid pro rata w/ other gucs thru plan- SO ADD LANGUAGE TO TERMS

adj peremptory 12/18 for final terms a CO to be submitted

12/3/24(mk): 3,000 in arrears(atty proposes to have debtor pay this from his exemption from closing proceeds

Needs CO w/ NJDOT and IRS for treatment on secured liens and USA lien-will add to terms- atty reviewing w/ client and MK will work up once i get answer to my questions as to terms and treatment



11/20/24: IRS OK w/ debtor treatment-debtor's atty to file defaults in ADV PRO

11/4/24(mk): settlement proposal sent to parties by D's Atty on 11/1/24 to resolve distribution of proceeds from sale/ payment of liens etc. NEED TO KNOW POSITION OF USA (E. O'HAGAN) ON THAT SECURED CLAIM

7/9 payments arreas $2,000 as of 11/4/24

>>LATE CLAOM FILED BY LISA AMABILE(filed claim as unsecured) THIS CREDITOR WAS DEFAULTESD IN A THE ADV PRO

Reassign to Mary - ADJ to 11/6/24

ISSUES AS OF 10/9/2024 (DM):

 9/26/24(MK): House was sold 9/11/24. Proceeds in Atty Trust Acct. Has worked out resolutions w/ IRS and St of NJ. The default deadline for the Adv. Pro. (remaining lien creditors) is 10/3/24. ADJ Conf to 10/16/24.

1) MP provides $66,383.68 secured treatment to the IRS - creditor filed amended $58,667.68 secured claim and $8,001.50 priority claim (PAY PER POC??)

2) MP provides $15,355.28 secured treatment to the State of NJ - creditor filed amended $15,355.28 secured claim and $14,762.56 priority claim (PAY PER POC??)

3) Trustee Supp OBJ:
- Plan is not filed in good faith.
- Debtor listed $7,075 mortgage expense on Sch J but is not paying this expense. If expense is removed, then plan payment should be $8,075 per month instead of $1,000 per month (HOUSE SOLD - NEED TO REVIEW AMENDED I&J AND UPDATED PROOF INCOME - NEED CHANGE OF ADDRESS.)

4) Trustee OBJ:
- Debtor has insuff
Matter ResolvedRequest
Adjourment
6112/18/2024 10:00 am24-11804 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 9 of 10 required payments   Arrears: $4,000.00  
11/13 Update for the 11/20 calendar EDC

Needs $4250 x 51 pro rata with min of $180,000 to gucs based on equity if other issues resolved

--OPEN MRI JUST FILED AN OBJECTION TO PLAN ON 11/14--WANT DEBTOR TO ASSUME OR REJECT EXECUTROY AGREEMENTS.

**motion for relief on for 10/16 Wells Fargo--Tree Top Terr arrears OTBS BUT WE STILL NEED THE ORDER

INTERIM SCH ORDER TO CHAMBERS/7 DAY<<>> CERT FILED ON 10/7-SEE BELOW

* objection by Bancorp--1.5 million claim for business loan--plan proposes to pay outside of the plan but also proposes a cramdown in part 4? OUTSIDE?? CANT DO A CRAMDOWN OUTSIDE OF THE PLAN

* Trustee objection:
-- There is $180,000 in non exempt equity in the businesses PER THE CERT PROVIDED HE OWNS A $60,000 INTEREST (10%) IN OPEN MRI, EAST BRUNSWICK AND MIDDLETOWN BUT WE HAVE NO VALUTATIONS
-- Need valuations for all 4 businesses on Schedule B. ONLY RECEIVED ONE FOR DYNAMIC
-- Need to resolve objection by Bankcorp Bank.
-- Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan.
-- The debtor is to provide a certification regarding all of the assets/equipment owned by
his Imaging Centers.
------DYNAMIC MEDICAL PC 100% OWNER--PER CERT THERE IS AN MRI MACHINE WORTH $300,000 BUT DEBTOR CLAIMS IT HAS NO VALUE DUE TO COST TO MOVE. THE OTHER IS WORTH $900K AND HAS A LOAN BUT CURRENT LOAN BALANCE NOT DISCLOSED IN CERT.--VALUATION PROVIDED ---ESTIMATE TO MOVE AN MRI MACHINE IS ONLY AROUND $75,000 PER ONLINE MOVING SITES EDC
------MIDDLETOWN VENTURES 10% OWNER DEBTOR EST. $60,000 HIS INTEREST--NO DOCS PROVIDED AND NO VALUATION
------OPEN MRI 10% EST $60,000 HIS INTEREST-THIS HAS 2 NEW MRI MACHINES WITH SIGNIFICANT VALUE BUT DEBTOR DOES NOT GIVE VALUE ESTIMATE---NO DOCS PROVIDED AND NO VALUATION
-------EAST BRUNSWICK OPEN MRI 10% INTEREST EST HIS VALUE AT $60,000---NO DOCS PROVIDED AND NO VALUATION


plan $4000 X 60; BASE

__________
$1,600/month for alimony/support (need proof/order) DONE

resolved:
-- The
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-14391 / CMGMaryBeth Schroeder, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 9 of 8 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
12612/18/2024 10:00 am24-14675 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 7 required payments   Arrears: $4,050.00  
12//28 to resove tax issues

ISSUES AS OF 10/10/2024 (DM):

1) State of NJ Division of Taxation (HEATHER LYNN ANDERSON) OBJs to plan not proposing to pay $122,706.20 secured claim. There is also a $74,168.23 priority claim that includes estimated taxes for 2020 and 2024 (UNRESOLVED.)

2) IRS filed $5,481.29 priority claim that includes estimated taxes for 2023 (UNRESOLVED.)

3) Glenn Lakatos filed $2,554.92 priority claim not treated in the plan (UNRESOLVED.)

4) Terry Smith (Landlord) filed a general unsecured claim $7,500 (NEED A CONSENT ORDER FOR A PROMPT CURE.)

5) Trustee OBJ:
- Need 2023 tax return (UNRESOLVED.)
- Need to provide updated P&L income for July & August since Debtor opened business in April (ONLY RECEIVED JULY.)
- Need Accountant's valuation for Amore Ristorante Corp (BALANCE SHEET UPLOADED DOSN'T LIST ANY RESTAURANT EQUIPMENT.)
- Need April and May bank statements from TD Bank accts#8104, #8063 and #2595 (RECEIVED.)
- Need proof of auto insurance for 2011 BMW (MK: this was repossessed)
- Need Certification regarding mother's estate - are there any assets or will it be probated and was there a Will?
- Verifiable disposable income verifies at $3,929 per month - with deducting SSI, would leave disposable income of $3,135 per month.

Note: Debtor proof of income was attached to P&L (Payroll Summary) verifies $451.10 weekly or $1,953 monthly for wages.


Prop. Plan $500 x 6, $2,800 x 54, Base Plan
PTD 3.5/5 = $1,750
Last Claim (2-2)
Matter ResolvedRequest
Adjourment
6112/18/2024 10:00 am24-15049 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 7 required payments   Arrears: $1,125.00  
12/4: creditor says debtor still short 1,471.92-adj 12/18 to pay that- LM by 3/1/25

adj 12/4/24 PREMPTORY for payment to creditor on Mtg- ALSO NEED NEW LM DATE IF THEY ARE AGREEING TO LM

11/27 Workup for the 12/4 calendar EDC

1. Trustee obj to the following: RESOLVED IF PAYING 100%
per atty ok at 100% SO TRUSTEE OBJECTIONS TO EXPENSES RESOLVED


2. SN Servicing (CHARLES WOHLRAB) obj to arrears not paid pending loan mod and loan mod. MK: debtor ok to pay arrears pending LM

3.- - Capital One filed a bifurcated claim with arrears $4,936.12, secured $9,151.50 and unsecured $9,613.45. Must resolve claim. OTBS BUT NOTHING REGARDING ARREARS. TRUSTEE WILL PAY ARREARS ONLY THROUGH THE PLAN


Prop Plan $500 x 6 begin 6/1/24; $1,500 x 52; Base and Loan mod on Aldo Dr by 11/1/24
Note: Mod plan filed to mark off 1(e) jointly administered.

---------------------
RESOLVED
MFR by Capital One for 2018 Mazda 6 sched 9/18/24, Debtor has not made any post-pet payments since 5/19/24 and in arrears $1,420.50. OTBS BUT STILL NEED TERMS
3. Real Time Solutions filed their mortgage claim as unsecured, if their claim is to be considered unsecured, there is non-exempt equity in the residence $57,079 based on the latest comps. Must move against the claim if claim is to be a secured claim. IF NOTHING DONE THE TRUSTEE WILL MARK THIS CLAIM TO BE TREATED OUTSIDE OF THE PLAN PER THE PROPOSED PLAN AND PAY 100% TO GUCS SINCE THERE ARE ONLY $32,000 IN OTHER FILED GUC CLAIMS

per atty ok at 100% SO TRUSTEE OBJECTIONS RESOLVED
- Must provide the balance statement for Debtor's 401(k) loan (DOCS PROVIDED FROM NJ TRANSIT RETIREMENT HAS A BALANCE $12,915, BUT NO DATES ON IT. ok if 100%

- Excessive expenses on Sched J: 3 car payments $228, $650 & $645 (cannot have 3 car payments), $64 boat insurance and $167 boat, $317 marina fees (these expenses are for recreation and not a necessity).
- 22C monthly disposable income is $3,908 which requires min. div. $234,480 to gucs.
- Disposable income verifies
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-15086 / CMGPRO SEConfirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 7 required payments   Arrears: $212.00  
AS OF 12/4/24(mk):

Amended sch A,B,C,D ,I & J filed but that was not the issue. It is notice of the cram to Santander for the 1026 BMW No cert of service w/ Transmittal letter has been filed.

THERE IS STILL NO CERT OF SERVICE AND TRANSMITTAL LETTER ON SANTANDER FOR CRAM OF VALUE ON AUTO

9/6/24:MK sent debtor an email w/ attachments: Santander POC, Cert of service form and Transmittal form so debtor can serve Santander( plan proposes cram) and conf was adj from 9/18 to10/16 to allow this to happen

Only 3 creditors in case . santander secured and 2 gucs . Plan proposes cram on stander on car- no service on creditor.

-------------------------------

Trustee's objection:
The debtor has failed to file a feasible plan.
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - from all employment (Amazon Flex and Axelhire) prior
to filing date. (NOT RECEIVED)
- A Modified Plan that corrects all issues in objection. (MOD PLAN NOT FILED)
- A Modified Plan that adds all cramdowns to Section 4 AND Seciton 7 of the Plan (MOD PLAN NOT FILED)
- Amendments to Schedules B to remove Line 34 duplicate 2016 BMW and amends
Sched C to take proper federal exemptions on all assets and removes 100% of fair
market value. (NOT AMENDED)
- The debtor has undertaken an improper use of exemption. Specifically: Marks off 100%
fair market value on 2016 BMW and fails to take exemptions on all other personal assets
such as: Electronics $2,000, E-Bike $899, Clothes/shoes $3,000, Affinity FCU checking
$1,800 and savings $115. Also must remove #34 duplicated 2016 BMW. (AMENDED C NOT FILED)
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
Service to Santander, after mod plan filed to correct all issues. (CERT OF SERVICE NOT FILED)

Plan proposes: $212.99 x 36 beginning 6/1/2024, ? to unsecured creditors
Payments: 6/7
Matter ResolvedRequest
Adjourment
7512/18/2024 10:00 am24-15372 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 7 required payments   Arrears: $850.00  
mk:12/18 PEREMPTORY

11/7 workup for the 11/20 calendar EDC
-SAME ISSUES AS LAST 2 TIMES

MFR from Woodbine living on for 11/20-- landlord

*Woodbine has a $8,960 claim and is not in the plan. What are we doing with this?

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Amendments to Schedules I and provide proof of unemployment income (NOT AMENDED AND NO PROOF OF UNEMPLOYMENT RECEIVED)
- Need February, March and April 2024 statements for the NFCU account or closing
statement. (NOT RECEIVED)
- Need to provide February, March and April 2024 statements for the Robinhood
investment account or closing statement. (NOT RECEIVED)
-IRS unsecured claim is estimated for 2018 and 2019 taxes, need amended claim (STILL ESTIMATED FOR 2017 - 2019)
- Need settlement documents from the sale of the debtor's pizza business. (NOT RECEIVED)

Plan proposes: $425 x 36 beginning 6/1/2024, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-15526 / CMGRobert Manchel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 7 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
10712/18/2024 10:00 am24-15636 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0  

Debtor received a Trial Mod from Oct through Dec (dm)
Debtor now receiving $1,714 SSI.

ISSUES AS OF 9/25/2024 (DM): updated 9/27/24.

***Plan is not even sufficiently funded to pay attorney fees - RECOMMEND DISMISSAL***

1) Nationstar Mortgage (Hladik Onorato) OBJs - failure to cure arrears of $25,399.99 on Springfield Rd property (UNRESOLVED.)

2) Trustee OBJ:
- The debtor has insufficient income.
- Plan fails to provide for a prompt Loan Mod completion date.
- Need a CMA with comps 6 months prior to filing date. Zillow values property at $300,800. (UPDATED CMA RECEIVED - NO EQUITY.)
- There is estimated non-exempt equity in real property (pending updated CMA) and $867 in Citizen Bank acct. (CMA RECEIVED - VALUATION IS $195,000.)
- Must file Pre-Confirmation Certification (FILED.)


Prop. Plan $45 x 60, Base Plan.
- Loan Mod by June 2025.
PTD 3/3 = $135
Last Claim (9-1)
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-15806 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
1/15/2025 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $100.00  
341 now on 11/7/24- has to bee adj - MOTION FILED to allow daughter to testify at 341 :341 rescheduled to 12/12/24

3/4 payments



as OF 10/14/24(MK):

3/4 payments
341 now on 9/19/24-NOT HELD- not rescheduled

1. Objection By Community Loan Serv( Fein Such):
plan has contradictory terms Part 2c says Lm and 4a says cure
and maintain.
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-16841 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $907.00  
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-16939 / CMGLaurence R. Sheller, Esq.Order Vacate Dismissal of CaseNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 5 required payments   Arrears: $800.00  
adj to 12/18 to be current

As of 12/6/24(mk): updated- 3/5 PAYMENTS $800 ARREARS- email to atty- REPLY- mailed 2 MO to Lock box - says uploaded proof

>>MOTION TO CONFIRM THAT AUTOMATIC STAY IS NOT IN EFFECT (By MTGLQ RAS) on 12/4- NEED RESOLUTION OF THAT BEFORE WE CAN CONFIRM- atty says resolved


-------------RESOLVED---------------
12/6/24:order submitted reinstating stay


Objection by MTGLQ Investors(Padgett Law):ORDER SUBMITTED. TERMS=pay full arrears per POC #6 $18,877,79
- plan fails to pay total arrears claim

Trustee Objection:
-There is $115,182 in non exempt equity in the residence.(100% Plan):

-Santander filed a bifurcated claim which needs to be resolved. Debtor will pay the arrears amount in the claim


Plan: $400 X 60; 100%
2/4 payments
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-17223 / CMGAllen I. Gorski, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $500.00  
11/19/24: ATTY WAS PROVIDED INFO AS TO TR CALCULATION OF INCOME- DOE NOT AGREE

11/18/24(mk) reviewed cert. re very high expenses. Bottom line income verified higher than scheduled based upon the proofs of income provided and even allowing all the expenses totaling $14,736 we have excess disposable income of 2268 per month.

AS OF 11/13/2024 (at):

RECOMMEND: $1,500 PAID TO DATE, $2,149 X 56 BEGINNING 12/1/2024, 100% PLAN
- Preserve non exempt equity of $200 in personal property.
- Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan.

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - Policy expires 11/4/24. (RECEIVED)
- Need statements for the Charles Schwab and Robinhood accounts. (RECEIVED - $200 IN NON EXEMPT EQUITY)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$2,000/month for Prudential taxes
$2,200/month for spouse's credit cards
$500/month for summer camp
$1,000/month for after school care
$300/month for hair and nails & $150/personal care
Need proof of excessive expenses 10 days prior to confirmation.
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason (s):
- Verified income leaves monthly disposable income of $2,268.43.
- Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $500 x 60 beginning 8/1/2024, base
Payments: 3/4, arrears $500
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-17260 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $500.00  
12/9/24(mk): Notice of Private Sale field - $440,000- no realtor info. in Notice and Order also blank in parag. 3 Caldwell Banker on K Motion to sell 1/15/25- BUYER IS SAME PERSON( F. Scheuremann) who makes contribution to debtor's income and listed on sch I)

>>MTG CO HAS NOT FIED A CLAIM AND HOUSE IS LISTED ON ZILLOW AS AN AUCTION

ZILLOW VALUE IS OVER 1 MILLION AND HOME HAS 5 BED ,4 BATH- NO EVIDENCE IS THERE THAT THIS PROPERTY WAS EVER MARKETED FOR SALE?
> exemption more than sch C- needs amended C. LOOKS LIKE THERE WILL NOT BE ANY NE PROCEEDS FROM SALE at this low contract price.

---

12/6/24(mk): Zillow has property listed for Auction- other realtor sights still say OFF MARKET
CASE IS 5 MOS OLD AND STILL NOT ON MLS

As of 11/8/24(MK): EMAIL TO ATTY

> This is 4th filing AND HOME IS NOT ON MLS

Listing agreement uploaded 11/6 EXCLUSIVE RT TO SELL AND IT IS NOT ON MLS AND THE LISTING PRCIE IS WAY OFF-TROBJECTS TO THIS and has listing price at 424,186.03 ZILLOW SHOW IS AS OF 11/8 AND NOT FOR SALE AND VALUED AT 1,091,700

>>NEED PROOF OF EFFORTS TO SELL THE REAL PROPERTY- IS IT LISTED? listing agmt uploaded

> This is 4th filing


1. Trustee objection:
- debtor has insufficient income.
-There is $153,668 in non-exempt equity in the residence.
-There is $9,545 in non-exempt equity in the Mini Cooper.
-There is $3,750 in non-exempt equity in the bank account

2. Fay Servicing in plan for arrears 150,000- NO CLAIM FILED and bar date has passed. ( WHAT DO YOU WISH TO DO ABOUT THIS? ( they filed a claim in prior case of debtor's and it was a total claim as a result of the mtg maturing (PER ATTY THEY WILL BE PAID OUSTSIDE AT CLOSING)

Plan:$500 X 60; SALE 3/1/2025 (510 DUGOUT DR) BY 3/1/25; BASE
4/5 payments
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-17271 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 5 required payments   Arrears: $0  

AS OF 12/6/2024 (at):

RECOMMEND: $400 X 6 BEGINNING 8/1/2024, $2,000 x 18 BEGINNING 2/1/2025, $3,133 x 36 BEGINNING 8/1/2026, BASE
- Preserve non exempt equity of $124,640 in real estate.
- Preserve non exempt equity of $2,875 in personal property.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.

Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- Domestic Support Obligation information Judgement of divorce/ property settlement
agmt (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - that includes liability
coverage. (RECEIVED)
- Need a statement for the "loan" deducted from the debtor's pay 03checks. (RECEIVED - ADDITIONAL $430/MONTH BEGINNING 12/1/2024)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$3,380/month for alimony (need proof)
$2,600/month for rent (need copy of lease) (RECEIVED PROOF OF BOTH)
- 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 $124,640 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $2,875 in non exempt equity in personal property. (LANGUAGE ADDED)
- Need to resolve objection by Rocket Mortgage. (RESOLVED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $400 x 6 beginning 8/1/2024, $2,000 x 18, $3,050 x 36, not less than $126,211 to unsecured creditors
Payments: 5/5
(To address claims and objections filed in case. Plan payments adjusted based on termination of alimony and projected increases in income.)
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-17301 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $403.00  
12/9/24(mK) STILL NEED CO ON #1



1. Objection by Westlake Services( Hladik):
- objects to cram value of auto


Plan:$403 x 60 begin 8/1/24; $0
4/5 payments


----------------
Trustee Objection: FILED & Provided
- Amendments to Schedules I to change employment
information. since Debtor is no longer self employed. PAY STUBS(Sept & Oct) HAVE EMPLOYER AS UNION FREIGHT CARRIERS- - ARE THESE PAYSTUBS NOW THE ONLY INCOME?

----------RESOLVED-------------
- Must file pre conf cert(filed).
- Updated auto insurance, insurance expires 9/28/24(PROVIDED)
- need Proof of 2 month's income - for the month of Sept.PROVIDED PAY STUBS FORM UNION FREIGHT
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-17475 / CMGAndrew M. Carroll, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 4 of 5 required payments   Arrears: $1,260.00  
As of 12/9/24(mk):

>> DEBTOR HAS YET TO MAKE THE HIGHER PAYMENT OF 2,380 WHICH WAS SUPPOSED TO START IN NOV.- STILL PAYING OLD AMT OF 1,750

>> ESTIMATED CLAIM IN #1 NEEDS TO BE RESOLVED/AMNEDED BEFORE CASE CAN BE CONFIRMED


1. IRS STILL HAS ESTIMATED CLAIM- NO RETRUN FOR 2021 on priority and on GUC no return for 2020

2.TRUSTEE OBJECTION:
Any dismissal of this case should trigger a one year bar to re -filing. This is the 4th filing in
5 years


Plan: $2380 X 57; 100%
4/5 payments

-------------------
Mrg co US Bank(McCalla ) objected to orig plan as not paying arrears and Tr payment to low to pay claim - MP ups payment- SO IS THIS RESOLVED? no objection to MP filed
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-17669 / CMGJohn Zimnis, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 4 required payments   Arrears: $400.00  Total Paid In: $1,200.00
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-18182 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 4 required payments   Arrears: $225.00  
AS OF 12/6/2024 (at):

RECOMMEND: $925 PAID TO DATE, $375 x 32 BEGINNING 1/1/2025, BASE
- Need updated income for the debtor by 12/31/2024.

1. Objection filed by Santander Consumer (Eisenberg Gold) - car cannot be crammed because there's a non filing co-signer. (MOD PLAN CURES ARREARS AND NO OBJECTION TO MODIFIED PLAN)

2. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- Need a valuation for the time share. (RECEIVED - MOD PLAN SURRENDERS TIMESHARE)
- 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 $470.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $9,093 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service on Chrysler Capital. (OBJECTION FILED)
- Need a copy of residential lease. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)

Modified plan before confirmation proposes: $350 x 2 beginning 9/1/2024, $225 x 34, base
Payments: 3/4, arrears $225
Matter ResolvedRequest
Adjourment
12212/18/2024 10:00 am24-18417 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 12/6/2024 (at):

PLAN IS NOT FEASIBLE. WOULD NEED $4,060 BEGINNING 1/1/2025 TO PAY 100%. DISPOSABLE INCOME IS $1,075.

1. Objection filed by Freedom Mortgage (Brock & Scott) - failure to cure full arrears of $120,305.59 (Per POC)(UNRESOLVED)

2. The IRS filed a priority claim in the amount of $16,859.46 which is not in the plan. Is the debtor going to pay this claim?

3. Trustee's objection:
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C over exempts d(5), taking $3,500 from Bank of America acct allowed $1,475.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Estimated taxes $200 (Must provide proof that taxes are paid monthly) and Car payment $743. (100% PLAN)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document (s):
- Amendments to Schedules Sched A/B and C to add business value $5,000 (per
business forms valued $5,000) and amend Statement of Financial Affairs to add
business info. (OK - 100% PLAN)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,365 when determining disposable income. (AVERAGD/ADDED TO INCOME)
- The Plan fails to provide for a prompt loan modification completion date. (OK - PER LOSS MITIGATION ORDER)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $135,879, Santander checking acct $321,
Santander savings acct $11, Bank of America acct $7,564 and Asphalt business $5,000. (100% PLAN) (LANGUAGE ADDED)
- Must resolve creditor objection. (LISTED ABOVE)

Plan proposes: $937.20 x 60 beginning 9/1/2024, loan modification per loss mitigation order, 100% plan
Payments: 4/4
Matter ResolvedRequest
Adjourment
12512/18/2024 10:00 am24-18518 / CMGRobert H. Johnson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $600.00  
341 no1 12/12 and debtor made payment


AS OF 10/21/24 (SF)

341 not held and not rescheduled- NOW ON 12/12/24
Payments: 0/2 Arrears: $600
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-18588 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 4 of 4 required payments   Arrears: $875.00  
AS OF 12/6/2024 (at):

1. Carvana filed a secured arrears claim in the amount of $558 for the 2020 Hyundai Santa Fe which is not in the plan. Are the debtors going to pay this claim?

2. Carvana filed a secured arrears claim in the amount of $430 for the 2020 Kia Soul which is not in the plan. Are the debtors going to pay this claim?

3. One Main Financial filed a secured claim in the amount of $6,590.36 for the 2010 Chevy and 2005 Dodge Durango which is not in the plan. Are the debtors going to pay this claim?

4. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- 2 months (July & August) bank statements from Wells Fargo savings acct. (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):
- Disposable income verifies $2,384.

RESOLVE ISSUES:
- The current Plan does not specify treatment of OneMain (2010 Chevy Cobalt) arrears
$6,590.36 and State of NJ $98 under the Plan. (LISTED ABOVE)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $19,772, 2020 Hyundai Santa Fe $3,890, 2020
Kia Soul $1,912, Edifi FCU $235 and estimated to be in Wells Fargo savings (pending bank
statements). (LANGUAGE ADDED)
- Claims filed with arrears by Carvana (2020 Kia Soul) for $430 and Carvana (2020 Hyundai
Santa Fe) for $558. (LISTED ABOVE)

Plan proposes: $1,750 x 36 beginning 9/1/2024, base
Payments: 3/4, arrears $1,312.50
Matter ResolvedRequest
Adjourment
7912/18/2024 10:00 am24-18590 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $500.00  
Atty uploaded worng dox so need more time adj to 12/18 and for $ to post

AS OF 11/26/24 (SF)


Trustee objection:

- Need July and August bank statements for PNC accounts 4403 and 2185. (STILL NEED)

- Need a valuation for the timeshare. (STILL NEED)



Plan proposes $500 x 26 Base
Payments: 2/3 Arrears: $500

RESOLVED:
- Need a statement for the whole life insurance policy (RECEIVED)
- Need a statement for the Apple Cash account.
Matter ResolvedRequest
Adjourment
12912/18/2024 10:00 am24-18593 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 4 required payments   Arrears: $2,253.00  
issues as of 10/25/2024 (JMA)

1) 341 not held, rescheduled for 12/5/2024
2) Not current with Trustee plan payments, arrears $2,520
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-18612 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0  

AS of 12/9/24(mk):

1. Objection by West Coast Servicing( Hladik):
- plan fails to pay full arrears-Working on Resolving

2.Trustee objection:
- debtor has insufficient income to fund the plan when DEBTOR IS3/4 PAYMENTS AS OF NOW
unemployment ends in November of 2024. DOES DEBTRO HAVE EMPLOYMENT NOW?
-Add to confirming order Debtor to provide updated proof of income 1/1/2025.


Plan:$409 x 36 begin 9/1/24; 0%
3/4 payments

-----------RESOLVED------------------
- need copy of the homeowner's insurance renewal declaration - with personal liability coverage.(PROVIDED)
Matter ResolvedRequest
Adjourment
13112/18/2024 10:00 am24-18618 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 4 required payments   Arrears: $0  

AS OF 12/6/2024 (at):

RECOMMEND: $2,250 PAID TO DATE, $1,400 X 56 BEGINNING 1/1/2025, BASE
- 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 7 days of confirmation.
- Preserve non exempt equity of $34,137 in real estate.

1. Objection filed by Lakeview Loan (Brock & Scott) - failure to cure arrears of $487.59. (RESOLVED - PAY PER POC)

2. 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):
- Income verified higher than scheduled amount, disposable net income $1,513.40. (Plan provides for minimum $34,729 to general unsecured creditors )
- Need to file Pre-Confirmation Certification with Court (NOT FILED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document (s):
- atty needs to file fee application 7 days after confirmation (LANGUAGE ADDED)
- Lakeview Loan Servicing LLC (Brock & Scott) objection to confirmation - pre-petition arrears $652.86, plan does not provide for payment in the plan- need to resolve (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 $34,137.14 non-exempt equity in debtor's home (plan provided for payment of $34,729 to gucs). (LANGUAGE ADDED)

Plan proposes: $750 x 60 beginning 9/1/2024, not less than $34,729 to unsecured creditors
Payments: 3/4, arrears $750

Matter ResolvedRequest
Adjourment
13212/18/2024 10:00 am24-18632 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $407.00  
AS OF 11/4/24 (SF)


1. 341 NOT HELD - RESCHEDULED TO 11/21/24
2. PAYMENTS: 1/3 ARREARS: $814

Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-18718 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 3 required payments   Arrears: $450.00  
As of 12/6/24(mk):

>MULTIPLE CH 13 FILINGS BY DEBTORS- ALL DISMISSED

>>PLAN CALLS FOR SALE OF PROPERTY- INTERNET SAYS PROP IS OFF MARKET- AND PROPERTY IS UNDER WATER - THAT TOGETHER WITH FILED CLAIMS MAKES THE PLAN NOT FEASIBLE.

1.Objection by Deutche Bank(RAS);
-Plan fails to treat creditor

2. Trustee Objection
- Plan has IRS only as priority claim for 3500 and claim is
priority $34,658.91 and secured $22,500.

- Current plan does not treat ST Of NJ claim- secured $22,917.98.

- Need MP that increases trustee payment by $680 in October 2027 when pension loan is paid off.
- Pension loan is paid off in September, 2027. Additional
$680/month beginning 10/1/2027.

-Excess expenses: $500/month for home
maintenance;$325/month for home owner's insurance
$560/month for car insurance (per bill it is
$529.67/month). Need proof of excessive expenses
10 days prior to confirmation

-Need August and September bank statements for account
#7060.

- Need to file Pre-Confirmation Certification.



Plan:$450 X 60; SALE 3/2025 (70 AMHERST DR); 0%
2/3 payments
Matter ResolvedRequest
Adjourment
8212/18/2024 10:00 am24-18729 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $330.00  
AS OF 11/26/24 (SF)

RECOMMEND $330 PTD, $389 X 58 (BEGIN 12/1/24) BASE W/MIN $15,229 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE


Trustee objection:
1. There is currently nonexempt equity in real estate of $15,229.



Plan proposes $330 x 60 Base
Payments: 1/2 Arrears: $330

RECEIVED:
- need current car insurance declaration page, policy provided expired 6/21/2024 (RECEIVED)
- Must file pre-confirmation certification (FILED)
- Objection filed by Freedom Mortgage Corporation (Fissel) - failure to pay arrears in the amount of $2393.60 (RESOLVED VIA ORDER)
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-18863 / CMGDavid A. Semanchik, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

341 now on 12/12/24

3/3 payments
Matter ResolvedRequest
Adjourment
10512/18/2024 10:00 am24-18901 / CMGEugene D. RothConfirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

As of 11/18/24 (DS): Debtor atty requested adj, received consent of obj creditors. Adj to allow time to file mod plan and resolve obj.

As of 11/18/24 (DS): 1. Trustee obj to the following:
- The amount of debt in the debtors Plan exceeds the statutory limit for secured or unsecured debt pursuant to 11 U.S.C. ? 109(e). Total unsecured claims filed is $603,205.45, exceeding the unsecured amount $462,275. Total secured $816,602.73, still pending any more claims as bar date is 11/18/24. Sched F has $1,138,345.56.
- Add to confirming order non-exempt proceeds from sale of properties to Trustee.
- There is non-exempt equity in the residence $295,217.
- Must resolve all creditor objections.
- Must file Pre-confirmation certification.

2. US Bank-Creemer Ave (LAURA EGERMAN) obj to arrears not paid pending sale.

3. Citibank-Green Hollow Dr (POWERS KIRN) obj to arrears not paid pending sale.

4. Towd Point Mtg/SPS-Creemer Ave (CORY WOERNER) obj to sale which no application of sale filed and arrears not paid pending sale.

5. Evergreen Real Estate-Greenhollow Rd (GREGORY MILNE) obj to sale, arrears not paid, income insufficient, does not propose adequate protection and 109(e).

6. Itria Ventures-Judgment lien (SEIDMAN & PINCUS) obj to owed $359,445.85, creditor not on plan and no claim filed.

Prop Plan $365 x 36 begin 10/1/24; Base and Sale of Creemer Ave & Green Hollow Dr 6 months from conf (Low Base pending sale)
Note: COTBS with Green Hollow Condo Assoc to pay secured arrears $8,702.53. Amended attorney disclosure filed to correct attorney fees.
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-18903 / CMGVera Fedoroff, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 12/6/2024 (at):

1. Objection filed by Wells Fargo Bank (Brock & Scott) - failure to cure arrears of $1,670.56. (PER POC) Plan proposes to pay $0. (UNRESOLVED)

2. Objection filed by Athene Annuity and Life Company (Robertson Anschutz) - plan proposes to pay $0. Creditor will be filing a claim in the amount of $8,971.18. (CLAIM FILED) (UNRESOLVED)

3. One Main Financial filed a bifurcated claim #9 which needs to be resolved. Secured - $7,475, unsecured - $8,499.23 and arrears $87.01. (HOW WILL THIS CLAIM BE TREATED?)

4. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Statements from Wells Fargo brokerage and Robinhood Brokerage accts for August and September. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Sched J list 24 yr old daughter as dependent, daughter is not on 2023 tax return, only 2 sons.
Excessive expenses on Sched J for Food $1,450, transportation $875, life insurance $349, auto insurance $558.48 (verifies $320 for both cars), IRS ongoing payments $1,022, 4 car payments $522.05, $425.83, $960.10 and $749.75, funeral home/burial payments for mother
in law $200, spouse student loans $628.95, State of NJ taxes $69, dog/cat food/veterinary
visits $230 (Sched B does not list pets), tax accountant monthly $50 ($600 yrly) and spouse credit cards $225. Must provide proof of expenses 10 days prior to confirmation. (PROOF OF EXPENSES NOT RECEIVED)
- The current Plan does not specify treatment of OneMain Financial (2014 Cadillac SRX)
arrears $87.01 bifurcated claim under the Plan.
- Arrears claim#10-1 filed by Wells Fargo for $711.48.

RESOLVED ISSUES:
- Amend Sch I and provide proof of income for new job at MX Logistics. (AMENDED/RECEIVED)
- Must 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. ?
Matter ResolvedRequest
Adjourment
9012/18/2024 10:00 am24-19013 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 6 of 3 required payments   Arrears: $0  

AS OF 12/9/2024 (at):

RECOMMEND: $1,600 PAID TO DATE, $250 x 1 BEGINNING 1/1/2025, $800 x 20 BEGINNING 2/1/2025, $1,318 x 36 BEGINNING 10/1/2026, 100% PLAN
- Student loans will be paid outside of the plan.
- Preserve non exempt equity of $78,260.00 in real and personal property.
- Debtors' 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 7 days of confirmation.

1. Objection filed by Arvest Bank (Greenspoon Marder) - failure to cure full arrears of $21,192.65. (MOD PLAN PAYS FULL ARREARS AND NO OBJECTION TO MODIFIED PLAN)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Balance statement for 2 401(k) loan on Co-Debtor's pay stub prior to filing date. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $427 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $70,165, 2017 Chevy $7,749, Wells Fargo checking acct $336 and Wells Fargo savings acct $10 with total $78,260. (LANGUAGE ADDED)
- Add to confirming order Debtor attorney to file fee app 7 days prior to confirming. (LANGUAGE ADDED)
- Must resolve creditor objection. (MOD PLAN RESOLVES OBJECTION)
- Must file Pre-confirmation certification. (NOT FILED)

Plan proposes: $800 x 1 beginning 10/1/2024, $250 x 3, $800 x 20, $1,000 x 36, 100% plan
Arrears: 3/3
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-19041 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 3 required payments   Arrears: $1,100.00  
AS of 12/6/24(mk): needs to make dec payment


1. Objection BY Santander(Eisenberg): UPDATED RESOLVED: Order submitted pay total $35,256.01
objects to interest rate on cram


Plan:$1100 X 60; BASE
2/3 payments

------------------
IRS IN plan as NOTICE- Filed claim for Priority taxes $4,693.20. PER ATTY- OK TO PAY THIS- YES PER ATTY

LowerLLC is in plan as current- FILED A POC FOR ARREARS 2,508.43-OK TO PAY- YES PAY

Trustee objection:
- There is $12,362 in non-exempt equity in the residence. PROTED IN TERMS

Matter ResolvedRequest
Adjourment
9712/18/2024 10:00 am24-19161 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0  

mk: ar to review w/ mk and Angela

AS OF 12/5/2024 (at):

RECOMMEND: $1,500 PAID TO DATE, $667 x 57 BEGINNING 1/1/2025, 100% PLAN
- Student loans will be paid outside of the plan.
- Preserve non exempt equity of $15,043 in real estate.

1. Ally Servicing filed a secured arrears claim in the amount of $165.94 which is not in the plan. Is the debtor going to pay this claim? Mk: ok to pay

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - from Debtor (only provided to July) and spouse provided
2 stubs one 8/14/24 and other 9/11/24. (NOT RECEIVED)
- Need Aug. & Sept. bank statements from Santander Bank (closing statement) and NY Times FCU accts. (NOT RECEIVED)
- Need proof of motorcycle insurance. (RECEIVED)

RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,785 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is estimated non-exempt equity in the residence $15,044, pending all claims filed. (LANGUAGE ADDED)
- Ally filed arrears claim $165. (LISTED ABOVE)

Plan proposes: $500 x 60 beginning 10/1/2024, 100% plan
Payments: 3/3
Matter ResolvedRequest
Adjourment
11412/18/2024 10:00 am24-19561 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 3 required payments   Arrears: $540.00  
CMG: CT allowed adj. to 12/28 to confirm.

HOLD FOR PROOF OF INSURANCE ONLY ON BAYONNE PROP.

AS OF 12/9/2024 (at):

NEED HOMEOWNER'S INSURANCE FOR BAYONNE PROPERTY. Mk atty says vacant condo for sale- per AR master policy does not help

1. Objection filed by SN Servicing/US Bank (Friedman Vartolo) - failure to cure full arrears of $93,048.89 (Per POC). Creditor wants stay relief if property is not sold within an appropriate time frame. (UNRESOLVED)

2. Lakeview Loan Servicing filed a secured arrears claim in the amount of $4,200.80 which is not in the plan. Is the debtor going to pay this claim?

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - for the Bayonne (condo)
property. (NOT RECEIVED)
- Need statements for the debtor's (2) 401k loans. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$250/month for home maintenance
$437.55/month for cable/internet/phone
Need proof of excessive expenses 10 days prior to confirmation. (PROOF OF EXPENSES 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 $1,126.
- Need August and September bank statements for TD account #432 per spouse's direct deposits. (NOT RECEIVED)
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Amend Sch A/B to add uncollectible rent/damage from tenant in connection with the Bayonne property (NOT AMENDED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $2,175 in non exempt equity in the burial plot. (LANGUAGE ADDE
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-19684 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

Adj to after bar date
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-19804 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

11/26/26:FYI order submitted resolving objection by Provident Terms= pay arears $2,161.21 POC #4-1
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-19812 / CMGWarren S. Jones, Jr., Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $2,139.00  
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-19855 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $600.00  
AS OF 12/6/2024 (at):

NEED TO ADJOURN THIS CONFIRMATION TO AFTER 1/15/2024 TO ALLOW MOTION FOR POA TO BE HEARD.

1. 341 is scheduled for 12/12/2024
2. Payments: 1/2, arrears $600

also obj to conf by US BANK is resolved- Order submitted 12/2/24: TERMS=LM by 2/5/25 and TR authorized to pay arrears pending LM
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-19896 / CMGJacqueline R. Rocci, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-19897 / CMGCarlos D. Martinez, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-19902 / CMGAndre L. Kydala, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-19908 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $2,800.00  
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-19915 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 12/6/2024 (at):

RECOMMEND: $691 x 60 BEGINNING 11/1/2024, 100% PLAN
- Preserve non exempt equity of $87,146 in real estate.
- Preserve non exempt equity of $13,933 in personal property.
- 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 7 days of confirmation.

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):
- disposable income verifies $1,164 and plan payment is only $691.
- Must file Pre-confirmation certification. (NOT FILED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $87,146, Ally Bank acct#7096 $10,888, Ally Bank savings acct#1231 $1,134 and Robinhood acct $1,911. 100% Plan (LANGUAGE ADDED)
- Must file fee app 7 days prior to confirming order. (LANGUAGE ADDED)

Plan proposes: $691 x 60 beginning 11/1/2024, 100% plan
Payments: 2/2
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-19958 / CMGAndre L. Kydala, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $1,800.00  
AS OF 12/9/2024 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $1,800
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-19962 / CMGAniello D. Cerreto, Esq.Confirmation Hearing ScheduledContinued
2/5/2025 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0  

As of 12/9/24 (DS): Debtor atty requested adj 341 sched 12/19/24.

12/5/24 (sf) Adj request denied. Attorney does not have consent of objecting creditor.
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20050 / CMGWarren S. Jones, Jr., Esq.Confirmation Hearing ScheduledContinued
1/15/2025 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,082.00  
PLAN IS 100% AND BAR DATE IS 12/19- SHOULD BE ADJOURNED TO NEXT HEARING DATE FOR ACCURATE CLAIMS TOTAL- PLEASE UPLOAD AN ADJ REQUEST.

12/6/24(mk); sent email to atty
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20051 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $13,204.00  
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20053 / CMGRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $2,781.00  
fyi: 12/6 ORDER SUBMITTED RESOLVING OBJ BY Citizens Bank. Terms= Pay POC #4 for 26,261.49(mk)
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20065 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $5,062.00  
AS OF 12/9/2024 (at):

NEED HOMEOWNER'S INSURANCE AND DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)

2. The NJ Division of Taxation filed an estimated claim which needs to be amended. (STILL ESTIMATED)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$580/month for cable/internet/phone
$1,500/month for food
Need proof of excessive expenses 10 days prior to confirmation. (NOT RECEIVED)
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $66,362 in non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)

Plan proposes: $2,531 x 60 beginning 11/1/2024, 100% plan
Payments: 0/2, arrears $5,062
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20075 / CMGRobert Manchel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 2 required payments   Arrears: $0  

As of 12/6/24 (DS): 341 sched 12/12/24
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20086 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20090 / CMGBryan Kozusko, Esq.Confirmation Hearing ScheduledContinued
1/15/2025 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $2,383.00  
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20098 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $200.00  
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20102 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0  

As of 12/6/24 (DS): 341 sched 1/9/25, must submit confirmation adj.
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20105 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $3,163.00  
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20152 / CMGHerbert B. Raymond, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 1 of 2 required payments   Arrears: $275.00  
AS OF 12/9/2024 (at):

RECOMMEND: $275 PAID TO DATE, $300 x 30 BEGINNING 1/1/2025, $550 x 4 BEGINNING 7/1/2027, BASE
- Claims will be paid according to the trustee's order of distribution.

Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- Need statement for value of Syensqo NV Stock as of 10/14/24 (RECEIVED)
- Need Bank Statements for October 2024 for Bank of America Acct ending 1899 and Navy Federal Credit Union Savings and Checking Accounts. (RECEIVED)

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

Plan proposes: $275 x 32 beginning 11/1/2024, $455 x 4, base
Payments: 1/2, arrears $275
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20153 / CMGCarol L. Knowlton, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

As of 12/6/24 (DS): 341 SCHED 12/12/24
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20154 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $400.00  
fti: ORDER RESOLVING OBJ. TO CONFIRMATION BY AMERICAN NEIGHBORHOOD MTG SUBMITTED 12/4; TERMS=pay arrears claim 3,967.95 thru plan
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20167 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $885.00  
FYI:12/6/24 Order submitted resolving objection by Mid First Bank. TERMS= Pay POC #6 in the amt of $43,669.33 thru plan(mk)
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20189 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 1 of 2 required payments   Arrears: $250.00  
AS OF 12/6/2024 (at):

RECOMMEND: $250 x 60 BEGINNING 11/1/2024, 100% PLAN
- Preserve non exempt equity of $38,325 in real estate.

Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- A copy of the homeowner's insurance renewal declaration - insurance expired
12/1/24. (NOT RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
There is non-exempt equity in the residence $38,325. (LANGUAGE ADDED)

Plan proposes: $250 x 60 beginning 11/1/2024, 100% plan
Payments: 1/2, arrears $250
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20194 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $3,004.00  
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20196 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

As of 12/6/24 (DS): 341 sched 12/12/24
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20200 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $440.00  
AS OF 12/6/24 (SF)

1. 341 NOT HELD - DUE TO MISSING DOCUMENTS
2. PAYMENTS: 0/2 ARREARS: $440
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20202 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $500.00  
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20203 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 12/6/2024 (at):

SHOULD ADJOURN TO AFTER BAR DATE WHICH IS 12/24/2024. 100% PLAN.

Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- 2 months bank statements from TD Bank checking acct#5207 and savings acct#8414
prior to filing date. (NOT RECEIVED)
- Amendments to Schedules A/B and C to add TD Bank checking acct#5207 and savings
acct#8414 listed in TD Business acct (NOT AMENDED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Home
maintenance $500, Electricity/heat/gas $700, Medical $500, Entertainment $400,
Daughter's Sports $1,600 and son's sports $500. Plan must remain 100% to gucs.
- Must file Pre-confirmation certification. (NOT FILED)

RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,727 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $212,274, 2022 Nissan $5,255, TD Bank
acct#4957 $404.43, Capital One accts $100,095 and TD Bank accts#8414 and #5207, pending bank statements. (LANGUAGE ADDED)
- 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: $930 x 60 beginning 11/1/2024, 100% plan
Payments: 1/2, arrears $930
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20208 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 1 of 2 required payments   Arrears: $350.00  
AS OF 12/6/2024 (at):

1. 341 has not been held or rescheduled.
2. Payments: 1/2, arrears $350
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20216 / CMGJoseph I. Windman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $516.00  
As of 12/6/24 (DS): 341 sched 12/12/24, no Trustee payments made
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20219 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20272 / CMGCarlos D. Martinez, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $575.00  
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20375 / CMGWarren S. Jones, Jr., Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 12/6/2024 (at):

Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- 2 months (Sept & Oct) bank statements from Staten Island Credit Union. (NOT RECEIVED)
- Amendments to Schedules A/B and C to add Staten Island Credit Union. (NOT AMENDED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Home
maintenance $250, Disability $137.80, Spouse Discover $350, Spouse Student loans $450 and Spouse Capital One $38. Must provide 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):
- Disposable income verifies $1,092, removing MCU and Staten Island CU bi -weekly direct
deposits into bank accounts.
- The debtor has failed to provide proof of service with respect to Plan Motion (s). (CERT OF SERVICE NOT FILED)
- Must file Pre-confirmation certification. (NOT FILED)

Plan proposes: $450 x 60 beginning 11/1/2024, base
Payments: 1/2, arrears $450
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20419 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20420 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,500.00  
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20447 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20524 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 1 of 2 required payments   Arrears: $234.00  
AS OF 12/5/2024 (at):

RECOMMEND: $234 PAID TO DATE, $239 x 58 BEGINNING 1/1/2005, BASE WITH A MINIMUM OF $9,591 TO UNSECURED CREDITORS
- Preserve non exempt equity of $8,891.00 in real and personal property.
- Need to file Pre-Confirmation Certification within 7 days of confirmation.

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

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $8,466 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $425 in non exempt equity in the bank account. (LANGUAGE ADDED)

Plan proposes: $234 x 60 beginning 11/1/2024, not less than $9,591 to unsecured creditors
Payments: 1/2, arrears $234
Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20530 / CMGOtto J. Kostbar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
012/18/2024 10:00 am24-20547 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $4,750.00  
Matter ResolvedRequest
Adjourment
012/18/2024 12:00 pm23-15282 / CMGRobert Cameron Legg, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $2,880.00
Matter ResolvedRequest
Adjourment
012/18/2024 12:00 pm23-20907 / CMGKarina Pia Lucid, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $5,566.00
Matter ResolvedRequest
Adjourment
012/18/2024 12:00 pm23-21449 / CMGJoseph Albanese, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $3,400.00
Matter ResolvedRequest
Adjourment
012/18/2024 12:00 pm24-14206 / CMGMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Matter ResolvedRequest
Adjourment
012/18/2024 12:00 pm24-17223 / CMGAllen I. Gorski, Esq.Motion CompensationNo Opposition Filed
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes