Judge Christine M. Gravelle
Hearing Date: 2/5/2025
Hearing Count: 0
Last Updated: 01-13-2025 06:51 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am19-22933 / CMGJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $177,738.00
ARREARS
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am19-32586 / CMGJoseph M. Pinto, Esq.Hearing Scheduled (Document)3rd Party MatterTotal Paid In: $103,126.00
Matter ResolvedRequest
Adjourment
22/5/2025 9:00 am20-14613 / CMGRobert Cameron Legg, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $86,590.00
As of 12/2/24(mk): arrears now 3,584.40

3 mos left in case and balance to complete is 7,191.97
100% plan




10/31/24: atty email: sent 9,000 - needs adj to post-POSTED 11/1
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am20-16345 / CMGWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsTotal Paid In: $38,925.00
Debtor obj<>SV/US BANK; ARREARS
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am20-18017 / CMGThomas G. Egner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $93,016.00
Matter ResolvedRequest
Adjourment
82/5/2025 9:00 am21-18442 / CMGJavier L. Merino, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $53,484.00
Debtor obj, current through Nov, will pay Dec<>US BANK/Canterbury Court (RAS)
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am22-14814 / CMGMark K. Smith, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $43,707.00
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am22-14937 / CMGJohn F. Bracaglia, Jr., Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $37,770.00
Debtor obj<> BANK OF NEW YORK/Hidden Pond Court
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am22-18023 / CMGEdward Nathan Vaisman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $57,554.00
SV/WELLS FARGO; ARREARS
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am23-11106 / CMGMarc C. Capone, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $57,328.00
RELISTED - 8/7 HEARING WAS OTBS<<>>

AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, made pymt<> NATIONSTAR/Nottingham Dr (RAS)
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am23-11106 / CMGMarc C. Capone, Esq.Hearing Scheduled (Document)3rd Party MatterTotal Paid In: $57,328.00
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am23-11494 / CMGStephen M. Goldberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $8,260.00
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am23-11719 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $4,350.00
ARREARS
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am23-11985 / CMGBrad J. Sadek, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $4,301.00
Debtor obj, made pymt & requests recap<>WELLS FARGO/Buchanan Ave ( RAS)
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am23-13118 / CMGJustin M. Gillman, Esq.Motion Relief from Stay (Fee)No Opposition FiledTotal Paid In: $15,750.00
FINANCIAL SERVICES VEHICLE TRUST /2022 BMW (LAVIN CEDRONE)
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am23-16267 / CMGJoseph Albanese, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterTotal Paid In: $33,385.00
Debtor obj<>WELLS FARGO BANK/Balsam St (McCALLA)

1/6/25: working to resolve
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am23-18690 / CMGCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsTotal Paid In: $6,234.00
Debtor obj, will pay<> ARREARS
Matter ResolvedRequest
Adjourment
202/5/2025 9:00 am23-18935 / CMGPeter E. Zimnis, Esq.Motion Motion (Generic) - Only use if no other event is applicableNeeds Resolution of Issues - ObjectionsTotal Paid In: $1,200.00
MTN PAY OFF EARLY

>>atty requested adj as nothing happening in prof. liab. case

TR Objection:
mk: case confirmed at 100 x 36 proceeds from Med mal case. NEED STATUS OF CASE
Plan currently in month 13 as of Nov.

pay of coming from a relative as a gift
Matter ResolvedRequest
Adjourment
382/5/2025 9:00 am23-21085 / CMGVera Fedoroff, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $5,451.00
LM offered and accepted and needs motion to be filed

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
02/5/2025 9:00 am23-21861 / CMGWarren Brumel, Esq.Motion Relief from Stay (Fee)3rd Party MatterTotal Paid In: $3,250.00
THE BANK OF NY MELLON (RAS)
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-10107 / CMGCharles M. Izzo, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $2,261.00
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-10255 / CMGYakov Rudikh, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending WorkupTotal Paid In: $12,100.00
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-10255 / CMGYakov Rudikh, Esq.Motion Impose Automatic Stay3rd Party MatterTotal Paid In: $12,100.00
MTN IMPOSE STAY CLM#3
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-10511 / CMGPaul H. Young, Esq.Motion to Vacate DismissalNo Opposition Filed
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-10535 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $17,329.00
SV/LOANDEPOT; ARRESRS
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-12254 / CMGMoshe Rothenberg, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - Objections
TR Objection: several prior filings all dismissed. Debtor is never able to be current or resolve the confirmation issues.
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-12268 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition Filed
PLAN WAS DENIED ON 11/20/24 AND FAILED TO FILE MP IN 14 DAYS
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-12352 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)3rd Party MatterTotal Paid In: $3,600.00
US BANK TRUST (RAS)
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-13403 / CMGPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledTotal Paid In: $225.00
FAILED TO FILE MTN OBJECTING TO US BANK CLAIM @12-1 BY 12/20/24; US BANK'S 9/4/24 MTN FOR RELIEF FROM STAY WAS OTBS, NO ORDER ENTERED TO DATE
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-13403 / CMGPRO SEMotion Expunge Claims/Reduce Claims/Modify Claims/Object To3rd Party MatterTotal Paid In: $225.00
MTN EXPUNGE CLM
Matter ResolvedRequest
Adjourment
572/5/2025 9:00 am24-14391 / CMGMaryBeth Schroeder, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsTotal Paid In: $7,600.00
Debtor obj, made pymt<>PENNYMAC LOAN /Bowline St (FRENKEL)

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

CONF on 12/18
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-14575 / CMGJeanie D. Wiesner, Esq.Motion Relief from Stay (Fee)3rd Party MatterTotal Paid In: $2,395.00
ROCKET MTG (BROCK)
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-15346 / CMGDavid Reinherz, Esq.Motion Relief from Stay (Fee)3rd Party MatterTotal Paid In: $9,505.00
1/9/25(mk): creditor req. to adj to 2/5/25:Debtors' loan is being reviewed for a loan modification. Request to adjourn MFR to allow time for the loan modification review to complete.


Debtor obj, applying for lm<>PENNYMAC LOAN / Charleston Rd (POWERS)
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-15636 / CMGJeanie D. Wiesner, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - Objections
MOTION TO VACATE DISMISSAL AND REIMPOSE THE STAY

ppsd order is std order makes 2/26- NO LANG REIMPOSE STAY IN THERE we need a MP as
Plan payments $45 x 60 LM by 6/2025. Plan payment of 45 not sufficient to pay atty fee even if LM is successful



MK: was dismissed at conf . Plan not feasible as failed to provided POI and LM incomplete. SV on Chrysler( 5th 3rd Bank) CAR WAS SURRENDERED IN PLAN

debtor says made last payment for LM and awaiting approval from lender

Plan payments $45 x 60 LM by 6/2025. Plan payment of $45 not sufficient to pay atty fee even if LM is successful
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-16520 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition Filed
PLAN WAS DENIED ON 12/4/24 AND FAILED TO FIL MP IN 14 DAYS
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-16841 / CMGJeffrey E. Jenkins, Esq.Motion Relief from Stay (Fee)3rd Party Matter
SANTANDER (EISENBERG)
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-16900 / CMGVera Fedoroff, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-16900 / CMGVera Fedoroff, Esq.Motion Relief from Co-Debtor Stay3rd Party Matter
SANTANDER CONSUMER (EISENBERG)
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-18374 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)3rd Party Matter
MIDFIRST BANK (KML)
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-18612 / CMGRobert Cameron Legg, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - Objections
US Bank obj ( RAS)<>MTN MODIFY US BANK CLM #3-1 TO REMOVE FINES/FEES RELATED TO 7/2023 DEFAULT
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-18612 / CMGRobert Cameron Legg, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition Filed
MTN TO REDUCE WEST COASE CLM #2-1 TO $13,111.80
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-18718 / CMGMoshe Rothenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Pending Workup
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-18901 / CMGEugene D. RothMotion Relief from Stay (Fee)3rd Party Matter
FAY SERVICING (FRIEDMAN)
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-18987 / CMGPeter E. Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition Filed
PLAN DENIED 12/4/24 AND FAILED TO FILE MP IN 14 DAYS
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-19300 / CMGDavid G. Beslow, Esq.Motion Relief from Co-Debtor Stay3rd Party Matter
SN SERVICING (FRIEDMAN)
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-19300 / CMGDavid G. Beslow, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-19334 / CMGDaniel E. Straffi, Esq.Motion Relief from Co-Debtor Stay3rd Party Matter
US BANK NAT'L ASSOC (PADGETTI)
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-19334 / CMGDaniel E. Straffi, Esq.Motion Approval to Participate in the Court's Loss Mitigation Program3rd Party Matter
LOSS MIT/SHELLPOINT MTG
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-19334 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-19561 / CMGMarc C. Capone, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
>>OST<<<

MTN TO COMPEL ABANDONMENT

will be w/d on mp conf or sooner


MK FYI ;ORDER SUBMITTED 1/7/25 THAT RESOLVED CREDITOR OBJ TO CONF. IT PROVIDES: AUTO STAY VACTED AS TO BAYONNE PROP AND CREDITOR CAN PROCEED W/ FORECLOSURE
Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am24-19958 / CMGAndre L. Kydala, Esq.Hearing Scheduled (Document)3rd Party Matter
Matter ResolvedRequest
Adjourment
702/5/2025 9:00 am24-21498 / CMGDavid L. Stevens, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
12/23 AMT: BRIDGE ORDER TO CHAMBERS/7 DAY<<>>

debtro is ok w/ conduit- Bridge order debtor to modify order to say MP in 14 days- CONDUIT debtor to be current- home insurance w/in 7 days 341 sch for 1/9/25 as scheduled - extend stay to
2/5/25 & adj to 2/5/25


>>OST>>>

MTN TO EXTEND STAY

PLan just filed 12/17

TR objection:
no proof that this case will be feasible and has not demonstrated a real change in circumstances.

prior ch 13 filed in NWK vicinage 24-14861- conf Denied and case dismissed 8/9/24

341 scheduled for 1/9/25 and Conf on 2/5/26
Matter ResolvedRequest
Adjourment
722/5/2025 9:00 am24-21734 / CMGAndy Winchell, Esq.Motion to extend stayNeeds Resolution of Issues - Objections
bridge order - to 2/5 provides MP filed - for conduit - all 341 dox in in 14 days form today - extend stay to 2/5

Tr obj<>MTN EXTEND STAY

response: debtor has made 2,600 TFS payment-pending
Matter ResolvedRequest
Adjourment
742/5/2025 9:00 am24-21979 / CMGBarbara J. Snavely, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections
1/3/25 AMT: BRIDGE ORDER TO CHAMBERS/7 DAY<<>>

Bridge Order : extend to 2/5subjst to conditions of and MP in 14 days w/ Conduit. Home and car by end of week.
341 by 1/9/25


>>OST>>

MOTION TO EXTEND AUTOMATIC STAY

Matter ResolvedRequest
Adjourment
02/5/2025 9:00 am25-10116 / CMGDavid G. Beslow, Esq.Motion Extend Time3rd Party Matter
MTN EXTEND STAY
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am23-21590 / CMGKevin C. Fayette, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 12 of 13 required payments   Arrears: $1,595.00  Total Paid In: $15,110.00
Matter ResolvedRequest
Adjourment
792/5/2025 10:00 am24-11804 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 10 of 11 required payments   Arrears: $4,000.00  
12/10 workup for the 12/18 calendar EDC

Needs $36,000 paid then $4250 x 51 beg 12/1/24 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/
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-14829 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 8 required payments   Arrears: $457.00  
ISSUES AS OF 1/7/2025 (DM):

 11/5/24: Even using $33,406 for the 2nd lien on the property, there is $18,634 non-exempt equity in the property because only one 522(d)(1) can be used. Tammy may need to provide updated income because we are still showing $1,359 in disposable income.

1) Trustee OBJ:
- Need home equity loan balance statement.
- There is $56,024 to $94,348 estimated non-exempt equity in real property (ADJUSTED TO $18k.)
- Improper exemptions 522(d)(1) taken on real property for Co-Debtor, who is not on Deed. Must amend Sch C (UNRESOLVED.)
- Proof of income verifies higher ($1,087.90/$5,915/$405) than scheduled ($1,366/$5,200/-$161.) There is $1,359 (adjusted) disposable income.

***RESOLVED ISSUES***

A) Carrington Mortgage (Hill Wallack) OBJ - failure to cure arrears of $4,136.99 (CO ENTERED TO PAY PER POC.)

B) IRS filed $10,157.52 priority claim that includes estimated taxes for 2023 (AMENDED TO $6,686.61 - OKAY.)

C) Plan provides $968 priority treatment to Commonwealth of Massachusetts - no POC filed (MP REMOVES.)

D) Hyundai Capital filed $569.72 arrears claim on 2021 Kia Stinger (MP PAYS.)

E) Hilton Resorts filed $47,457.07 secured claim (arrears $9,452.12) for what appears to be a timeshare not treated in the plan (MP SURRENDERS.)

F) Trustee OBJ:
- Need CMA with comps within the last 6 months from filing date (UPLOADED.)
- Need April & May bank statements from BOA checking acct#3735 (RECEIVED.)
- Kia filed arrears claim for $569.72. (LISTED ABOVE)
- Need 2023 tax returns (RECEIVED.)
- Need a copy of the payoff for the Timeshare (POC FILED.)
- Failed to provide proof of service with respect to Plan Motions (MP REMOVES CRAMS.)
- Debtors plan does not elect to jointly administer the case (MP CORRECTS.)
- Must file Pre-confirmation certification. (FILED)
- Need to amend SOFA to add all business active and no longer active (AMENDED.)
- Need amended Sch B and C to add additional BOA checking acct#3735 (UPLOADED STATEMENT CLOSING THE ACCOUNT.)


Pro
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-15086 / CMGPRO SEConfirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 8 required payments   Arrears: $212.00  
12/19/24(mk) Sent debtor email and attached forms for cert of service and transmittal letter and Santander claim and told him what was needed.


#84 and #85- on e is on old plan #17 #85)- That should be marked W/d

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
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-15806 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 6 of 7 required payments   Arrears: $100.00  
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-15864 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

AS OF 1/10/2025 (at):

1. Need a modified plan that checks off box 1e (joint administration) (MOD PLAN NOT FILED)

2. Objection filed by Rocket Mortgage (Brock & Scott) - failure to cure arrears of $2,850.93 (Per POC) (RESOLVED - PAY PER POC)

3. Trustee's objection:
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. (NOT RECEIVED)
- Need statements for the two whole life insurance policies or statement showing cancelation. (NOT RECEIVED)
- A Modified Plan that states plan length. Current plan proposes $300 x 0. (MOD PLAN NOT FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$250/month for home maintenance
$1,400/month for child care
$196/month for IRA loans
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 $2,260.
- Reviewed the 22C, monthly gross income is $19,718. Line 21 (childcare) requires
documentation and is $1,400 on Schedule J. Line 16 (taxes) should be $4,578. Per the
22C, (using $1,400 for child care) monthly disposable income is $5,888 which requires a
minimum dividend of $353,280 to general unsecured creditors.
- 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): -
- Using Zillow, there is $84,197 in non exempt equity in the residence. (AWAITING UPDATED CMA)
- Need a statement for the debtor's pension loan showing when it was taken out and
balance due to pay off. (NOT RECEIVED)
- The attorney's fees in the plan and the disclosure statement d
Matter ResolvedRequest
Adjourment
662/5/2025 10:00 am24-16473 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 1/13/2025 (at):

1. Cross Country Mortgage filed a secured arrears claim #6 in the amount of $106.30 which is not in the plan. Is the debtor going to pay this claim?

2. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document (s):
- Zillow values property at $411,500. Need an explanation as to discrepancy in value.
- Need proof of insurance for the 2012 GMC. Policy provided expires on 12/14/24. (RECEIVED)
- Need a statement for the debtor's pension loan. (NOT RECEIVED)
- The attorney's fees in the plan and the disclosure statement do not agree. One of these must be amended. (NEITHER AMENDED)
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,201.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- Do TR standard distribution. (CLAIMS WILL BE PAID ACCORDING TO THE TRUSTEE'S ORDER OF DISTRIBUTION)

Plan proposes: $148 x 60 beginning 11/1/2024, not less than $4,000 to unsecured creditors
Payments: 3/3
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-16520 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 7 required payments   Arrears: $500.00  
mk: Plan has M & T Bank (2024 Quantum- MOTOR HOME)arrears at 6,993- This is post pet- so need order - Motion on 1/15

pre pet claim -0 arrears so treat as current and outside

Debtor bough the RV- Motor home in sept 2023 for 125528 and financed 123,643 Filed case June 2024

RV is recreational vehicle NO benefit to estate- PLAN IS 100%
Matter ResolvedRequest
Adjourment
902/5/2025 10:00 am24-16841 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $954.00  
Atty intends to file a Motion to Reinstate Stay - ADJ to 2/5/25 (dm)
ISSUES AS OF 12/13/2024 (DM):

***Freedom Mtg obtained stay relief on 11/6/24 - this plan is no longer feasible***

1) US Dept of HUD filed $23,656.29 secured 2nd mtg claim with $0 arrears not treated in the plan (TREAT AS SECURED UNAFFECTED??)

2) Plan provides $24,487 secured treatment to Trenton Water Works - creditor filed a claim for $14,910.48 (NEED A CONSENT ORDERTO PAY THE CLAIM WITH INTEREST.)

3) Trustee OBJ:
- Excessive Expenses: $297, $225 and $529 car payments.
- There is $6,155 non-exempt equity in real estate using debtors' CMA of $196,500, and $53,222 at the Zillow valuation of $250,600. Trustee requires a more detailed valuation be provided by debtors with more detailed comps attached (UNRESOLVED.)
- Need update on Co-Debtor's possible lawsuit for knee injury 6 months from confirmation.

***RESOLVED ISSUES***

A) Freedom Mortgage (Brock & Scott) OBJs - $5,538.06 arrears on 2nd St property (CONSENT ORDER ENTERED TO PAY PER POC.)

B) Wells Fargo filed a bifurcated claim ($15,100 secured/$4,759.81 unsecured/$532.09 arrears) for 2018 Hyundai Santa Fe which needs to be addressed (MP PAYS ARREARS.)

C) Santander filed $100 arrears claim on 2017 Hyundai Elantra (MP PAYS CLAIM)

D) Ally Capital filed $236.64 arrears claim on 2018 Nissan Rogue (MP PAYS CLAIM.)

E) Trustee OBJ:
- Debtor has insufficient income (MOOT - EXCESSIVE EXPENSES.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $813 x 3, $860 x 57, $12,050 Min Div.
PTD 4/5 = $3,252
Last Claim (21-1)
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-19044 / CMGEric J. Clayman, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-19203 / CMGAndrew M. Carroll, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 4 required payments   Arrears: $4,530.00  
issues as of 11/20/2024 (JMA)

1) 341 not held, rescheduled for 12/12/2024
2) NewRez LLC d/b/a Shellpoint Mortgage Servicing (Hill Wallack) objection to confirmation - need to resolve
-mortgage arrears approximately $149,533.98
-plan proposes for payment of arrears through a loan modification.

proposed plan $1510x60 100% plan with loan mod by 4/1/2024
paid in $1510
arrears $1510
last claim 2-1
Matter ResolvedRequest
Adjourment
1062/5/2025 10:00 am24-19307 / CMGMelinda D. Middlebrooks, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $350.00  
AS OF 12/2/2024 (at):

1. Objection filed by US Bank (Robertson Anschutz) - failure to cure arrears of $20,470.83 (Per objection, no POC filed yet) (UNRESOLVED)

2. Objection filed by Gul Muhammand and Sobia Chaudhry (Scura Wigfield) - objecting to valuation of the property. Creditors have received no adequate protection payments as provided for in the plan. Plan is not feasible. (UNRESOLVED)

3. Trustee's objection:
- Need to file Pre-Confirmation Certification with Court. (FILED)

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the deed - that includes the name of the Grantor (RECEIVED)
- IRS estimated tax claim (NO LONGER ESTIMATED)

Plan proposes: $350 X 36 beginning 10/1/2024, base
Payments: 2/3, arrears $350
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-19344 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0  

issues as of 12/26/2024 (JMA)

1) JPMorgan Chase Bank (Powers Kirn) objection to confirmation - RESOLVED, DEBTOR TO PAY ARREARS OF $818.14 THROUGH PLAN PER ORDER FILED.
2) Country Club Homes Condo Assoc (Cutolo Barros) objection to confirmation - need to resolve
- arrears $13,818.29 ($9,858.10 is secured and $3,960.19 is unsecured) - PLAN IS 100%
3) Nationstar Mortgage LLC (Hladik Onorato) objection to confirmation - need to resolve
- mortgage arrears $2,652.46
4) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income disposable income verifies $465, Debtor will need to apply for E-wage. DEBTOR HAS BEEN USING TFS FOR PAYMENTS, IS CURRENT.
- The current Plan does not specify treatment of the bifurcated claim of Country Club Homes Condo Assoc. under the Plan. NEED TO RESOLVE
- 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 $134,852.05 and Citizens Bank accts estimated
$2,100, pending statements. NOT PROVIDED TO DATE
- Must provide 2 months bank statements from Citizens Bank checking and savings prior to filing date. NOT PROVIDED TO DATE.
- Must resolve IRS estimated tax claim - AMENDED CLAIM NO PRIORITY CLAIM, ONLY GUC CLAIM STILL ESTIMATED FOR 2018 TAXES - NEED ANOTHER AMENDED CLAIM
- Must resolve all creditors objections. NOT RESOLVED TO DATE
- Must file Pre-confirmation certification. NOT FILED TO DATE

proposed plan $500x60 100% plan
paid in $1,500
last claim 7-1
last claim 5-1

RESOLVED ISSUES:

- The debtor has failed to supply the Trustee with the following document (s): A copy of the homeowner's insurance renewal declaration - if not confirmed by 12/4/24, insurance expires 12/11/24.RESOLVED, PROVIDED RENEWAL GOOD THROUGH 12/11/2025
- Updated auto insurance, if not confirmed by 12/4/24, insurance expires 12/14
Matter ResolvedRequest
Adjourment
1122/5/2025 10:00 am24-19492 / CMGRobert H. Johnson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $500.00  
As of 1/2/25 (DS): Debtor atty requested adj, 341 sched 1/16/25.

As of 11/27/24 (DS): Debtor atty requested adj, 341 sched 12/12/24
Matter ResolvedRequest
Adjourment
1222/5/2025 10:00 am24-19825 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $2,776.00  
AS OF 11/26/24 (SF) PLAN IS NOT FEASIBLE BASED ON HIGHER CLAIMS FILED

2. Trustee objection:

-there is $65,993.51 non-exempt equity in the debtors home (THIS IS 100% PLAN)

-Kensington Court Association Inc (McGovern Legal Services LLC) objection to confirmation - plan does not propose to pay the Association its $30,957.49 secured claim -need to resolve (bifurcated claim filed)

-US Bank/JP Morgan Alternative Loan Trust (RASC) objection to confirmation - secured creditor estimates pre-petition arrears of $44,323.29, plan only proposes to pay $39,937.82 - need to resolve

-Citizens Bank (Brock & Scott) objection to confirmation - anticipated pre -petition arrears
totaling $72,181.75 - need to resolve Total debt claim filed in the amount of $124,229.33 loan matured 10/1/21)

Plan proposes $1388 x 60 100%
Payments: 1/1

RESOLVED
- State of NJ filed estimated priority claim 601 (AMENDED)
- Need a copy of the homeowner's insurance renewal declaration - not provided to date (RECIEVED )
Matter ResolvedRequest
Adjourment
1192/5/2025 10:00 am24-19855 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 12/17/2024 (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: 2/2

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
1202/5/2025 10:00 am24-19897 / CMGCarlos D. Martinez, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 12/12/24 (SF) Adj request denied. Need updated car insurance PROVIDED

1. Ally Bank Lease Truste filed arrears claim 16-1 in the amount of $1711.12 which is not address in plan for 2020 Ram Truck 1500

2. State of NJ filed estimated priority claim 26-1 (NEED AMENDED CLAIM)

3. NexBank filed arrears claim 27-1 in the amount of $4033.90 which is not addressed in the plan (OK TO PAY?)

4. Trustee objection:

- Need a copy of the last filed tax return - from Co-Debtor (Silver) for 2023.

- Updated auto insurance (expired 11/12/24) and bank statements for Sept. & Oct. from
Robinhood, Xaman Crypto, Public Service FCU, PNC Bank and Coinbase Acct, prior to
filing date.

- Amendments to Schedules A/B and C to add Acorn Securities acct.

The debtor(s) plan consists of unnecessary or excessive expense items, such as: 22 C-Line
30 additional food/clothing expense $86 and Tax refund $408.25 not on 22c.

- 22c gross income on Line 2 for Debtor should be $10,903.59, not $10,250.51. Line 45
Disposable income should be $653.08, plus Line Tax refund $408.25 and Line 30 total
should be $1,147.33, which would require min. div. $68,840 to general unsecured
creditors.

- Disposable income verifies higher, there is disposable income of $2,632.

There is non-exempt equity in the residence $26,663 and bank accts (pending all bank
acct statements).

- Must provide Debtor's Pension loan balance statement prior to filing date.

- Must file fee app within 7 days from confirmation order.



Plan proposes $870 x 60 Base w/min $41,717.88 to gucs
Payments: 2/2

RESOLVED:
- Must file Pre-confirmation certification. (FILED)
Matter ResolvedRequest
Adjourment
1252/5/2025 10:00 am24-19958 / CMGAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $800.00  
Hold For proof of insurance and then can adj-
policy provided- OK - waiting for TR to review and confirm its acceptable . pers liab see pg. 7/8.


some 341 dox uploaded 12/17/24 including auto insurance -BUT NO HOME INSURANCE





AS OF 12/12/2024 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $1,800
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-19962 / CMGAniello D. Cerreto, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

12/10/24:FYI ORDER RESOLVING OBJECTION OF CARRINGTON MTG SUBMITTED TERMS= pay POC arrears of $3,705.23 thru plan(mk)

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
1282/5/2025 10:00 am24-20051 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

341 now on1/16/25.proof of 2 TFS payments set up/scheduled BUT does not show date they are scheduled for


AS OF 12/12/24 (SF)


1. 341 NOT HELD AND NOT RESCHEDULED DUE TO MISSING DOCUMENTS
2. PAYMENTS: 0/2 ARREARS: $13,204


Matter ResolvedRequest
Adjourment
1282/5/2025 10:00 am24-20053 / CMGRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $2,174.00  
issues as of 12/12/2024 (JMA)

1) Citizens Bank (McCabe Weisberg) objection to confirmation - RESOLVED
- objection resolved with consent order debtor to pay poc #4 for 26,261.49
2) IRS priority claim estimated for 2022 taxes - need to resolve
3) NJ Division of Taxation priority claim estimated for 2022 taxes - need to resolve
4) NJ Division of Taxation secured claim $10,341.28 - not treated in plan
5) Credit Acceptance Corporation claim for 2017 Chevrolet G3500 Van - not treated in plan
6) US Dept of HUD filed claim 3 - not treated in plan
7) Trustee objection to confirmation - need to resolve
- Motorcycle insurance for 2016 Harley Tri-Glide and loan balance statement prior to filing date.
- A Modified Plan that marks off 1e.
- Amendments to Schedules A/B and C to add 2009 Jeep Compass, listed on auto insurance.
- The current Plan does not specify treatment of US Dept of HUD under the Plan.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is estimated non-exempt equity in the motorcycle and 2009 Jeep Compass, pending amended Sched A/B and C.
- Must resolve IRS and State of NJ estimated tax claims.
- Must file Pre-confirmation certification.
- Need amended Sch I and updated proof of income for William 's new job at Lohnpackproposed

plan $1390.39X60 base plan
paid in $0,
arrears $2,780.78
last claim 15-1

NOTES: fyi: 12/6 ORDER SUBMITTED RESOLVING OBJ BY Citizens Bank. Terms= Pay POC #4 for 26,261.49(mk)
Matter ResolvedRequest
Adjourment
1302/5/2025 10:00 am24-20075 / CMGRobert Manchel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 3 required payments   Arrears: $0  

As of 12/16/24 (DS): Debtor atty requested adj, 341 was resched to 1/16/25
Matter ResolvedRequest
Adjourment
1322/5/2025 10:00 am24-20086 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

AS OF 12/12/24 (SF)

Trustee objection:

- Need order termination support obligation

- Need I and J to show unemployment (Debtor and Spouse are now unemployed)

-Income for debtor verified higher than scheduled. There is disposable net income in the amount of $1,283.25. (THIS IS A 100% PLAN)

-Form 122C-2 Line 5 states household size of zero used for calculations.

-Form 122C-2 Line 45 has disposable income of $8,145.

-There is $126,093 non-exempt equity in house (THIS IS 100% PLAN)

-Need to file Pre-Confirmation Certification with Court.


Plan proposes $285 x 60 100% Plan
Payments: 2/2


RESOLVED:
- Provide Trustee with current auto insurance policy (RECEIVED)




Matter ResolvedRequest
Adjourment
1342/5/2025 10:00 am24-20102 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

As of 12/13/24 (DS): Debtor atty requested adj, 341 sched 1/9/25.
Matter ResolvedRequest
Adjourment
1372/5/2025 10:00 am24-20153 / CMGCarol L. Knowlton, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

As of 12/16/24 (DS): Debtor atty requested adj to allow time to gether all docs per obj, will need to adjourn to 2/5/25, 1/15/25 is already full

As of 12/12/24 (DS): 1. Trustee obj to the following:
- Must provide pay stubs for the last pay period after 9/20/24 and October prior to filing date, Sept. and Oct. bank statements for Bank of America accts #2860, #5328 and #2508 and Deed and mortgage statements for the two Wyndham timeshares.
- Must amend Sched A/B and C to add Bank of America acct#2860, add the 2nd Wyndham timeshare and car accident lawsuit.
- Need a modified plan to address treatment of NBT Bank secured claim for solar panels, Capital One Auto (2016 Honda) and two Wyndham timeshares.
- Excessive expenses on Sched J: $300 home maintenance, $577 water/sewer/garbage, $861 cable/internet/phone, $1,000 transportation, $500 for entertainment, $1,239 car payment, $217.40 & $333 "7C and 7D unspecified". Must provide proof of expenses 10 days prior to confirmation.
- There would be lots of disposable income, due to the excessive expenses and tax refund $3,093.
- There is non-exempt equity $15,511 in the residence, $3,103 in 2016 Honda, $936 in 2012 Ford F150, estimated $1,800 or more in bank accts (Pending statements for Bank of America savings acct#2860, checking acct#5328 and checking acct#2508.) and estimated in the two Wyndham timeshares (Pending documents).
- Must resolve obj by Freedom Mortgage.
- Must file Pre-Confirmation Certification.
- Must file fee app within 7 days from confirming order.
- Add to confirming order non-exempt proceeds from car accident lawsuit to Trustee.

2. Freedom Mtg 9BROCK & SCOTT) obj to arrears owed, POC filed with arrears $1,048.65.

Prop Plan $700 x 36 begin 11/1/24; Base
Matter ResolvedRequest
Adjourment
1452/5/2025 10:00 am24-20200 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $220.00  
hold for auto insurance- atty has $- HAVE PROOF OF CAR INSURANCE


AS OF 12/6/24 (SF)

1. 341 NOT HELD - DUE TO MISSING DOCUMENTS
2. PAYMENTS: 0/2 ARREARS: $440
Matter ResolvedRequest
Adjourment
1452/5/2025 10:00 am24-20202 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $1,000.00  
issues as of 12/12/2024 (JMA) - 341 scheduled for 12/12/2024 - workup to be completed after hearing held

1) Nationstar Mortgage LLC /Rushmore Servicing (Pluese Becker) objection to confirmation - need to resolve
- claim #3 shows arrears in the amount of $120,720
2) IRS priority claim estimated for 2021 taxes - need to resolve
3) Township of Hamilton filed priority tax claim - treated in plan as "notice", claim filed as priority claim - need to resolve
4) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income , Debtor disposable income verifies $ -415. Debtor will need to apply for E-wage.
- The debtor has failed to supply the Trustee with the following document (s): Auto insurance for all vehicles on Sched B.
- Amendments to Schedules Voluntary petition to correct spelling of debtor 's first name.
- The current Plan does not specify treatment of Twp of Hamilton (Municipal Utility) $273.42 under the Plan.
- Must resolve IRS estimated tax claim.
- Must resolve creditor objection.
- Must file Pre-confirmation certification.
- Need valuation for 1974 Ford F350.

proposed plan $500x36 base plan with loan mod by 5/31/2025
paid in $500
arrears $500
last claim 4-1
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-20216 / CMGJoseph I. Windman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $516.00  
As of 12/12/24 (DS): Debtor atty requested adj to allow additional time to review all issues, 341 heard 12/12/24, plus time to pass bar date 12/24/24

1. Trustee obj there is non-exempt equity in the residence $178,725 and excessive expenses on Sched J for Food $832.


Prop Plan $516.11 x 60 begin 11/1/24; 100%
Note: Updated POI provided 12/4/24 for Debtor from Shop Rite from 11/8-12/6.
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-20219 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $250.00  
1/13/25(mk) FYI ORDER SUBMITTED RESOLVING OBJ. IN #1 BELOW TERMS=LM BT 2/11/25. TR TO PAY ARREARS PENDING LM


AS OF 12/12/24 (SF)

1. Objection filed by US Bank (Woerner) - failure to pay arrears and speculative loan mod.

2. Loss mit order will expire on 2/11/25

3. Trustee objection:

The debtor has insufficient income due to reviewing income for Debtor, which is not
accurate, disposable income verifies $204.

Proof of 2 month's income - from person contributing $4,500 toward expenses and
from Debtor from August 2024 to Oct. 2024.

- There is non-exempt equity in the residence $377,100.

- Must file Pre-confirmation certification. (FILED)



Plan proposes $250 x 36 100% Plan; Loan Mod in 6 months
Payments: 2/2

RESOLVEDl
- Must file Pre-confirmation certification. (FILED)



Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-20419 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

As of 12/12/24 (DS): Debtor atty requested adj to pass bar date 12/30/24, adjourned further out, due to calendar judge 1/15/25 full and needs to be avoided.

As of 12/11/24 (DS): 1. Trustee obj to the following:
- Must provide 2 months bank statements from United Teletech and 3 Pinnacle FCU accts prior to filing date and statement from E-Trade acct with balance prior to filing date.
- Sched I fails to add tax refund, disposable income verifiws $1,710.44.
- Must file Pre-confirmation certification.
- Must file fee app within 7 days from confirming order.

2. Santander filed arrears claim $618.40. Trustee ok to pay?

Prop Plan $1,000 x 60 begin 11/1/24; Base
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-20530 / CMGOtto J. Kostbar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0  

As of 12/12/24 (DS): Debtor atty requested adj, did not respond to my email. Will grant adjournment.

As of 12/11/24 (DS): If obj resolved with creditor to pay arrears, recommend confirming at $556 paid, $416 x 58 begin 1/1/25; Base OR WAIT PASS BAR DATE 1/2/25 - EMAILED DEBTOR ATTY TERMS, SINCE REQUEST TO ADJOURN WAS SENT

1. Trustee obj to disposable income verifying $855.99.

2. Longbranch Financial (STUART WEST) obj to arrears more, POC filed with arrears $18,429.72. Obj must be resolved. Per email from Debtor atty 1/7/25

Prop Plan $278 x 60 begin 11/1/24; Base
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-20994 / CMGMichael McLaughlin, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

UPDATED 12/26/2024 (JMA)
issues as of 12/19/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- Oct & Nov statements from Charles Schwab, Computershare Accts and Fidelity Investments. NOT PROVIDED TO DATE
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Food $800, Clothing $175, Auto insurance $162 (verifies $132) and IRA voluntary contribution $583. NOT PROVIDED TO DATE
- 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 has disposable income $4,849.73, which would require minimum dividend $290,984 to gucs.
- Disposable income verifies $5,511.
- 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 $50,521, pending all claims filed
and Chase Bank acct#4511 with $1,977.
- Add to confirming order non-exempt proceeds from insurance proceeds to Debtor from Knights of Columbus to be given to the Trustee. NOTED ON WORKSHEET

proposed plan $2,500x60 begin 12/1/2024 dollar base $100,000
paid in $2,500
last claim 11-1

RESOLVED ISSUES:

- Must file Pre-confirmation certification. RESOLVED, FILED
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21166 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $500.00  
Bar date expires on 1/17/25
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21169 / CMGAmy Lynn Bennecoff Ginsburg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $5,394.00  
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21192 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21241 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,350.00  
AS of 1/8/25(mk):sent atty email to upload adj request

>>PLAN IS 100% AND BAR DATE IS 1/21/25. SHOULD BE ADJ TO 2/5/25 DATE >>


Plan:$1,350 x 60 begin 12/1/24; 100%
1/2 payments
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21341 / CMGFrancis P. Cullari, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

issues as of 12/23/2024 (JMA)

1) 341 scheduled for 1/9/2024 - workup to be completed after hearing held

proposed plan $1,011x60 base plan
paid in $1,011
last claim 23-1
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21455 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21498 / CMGDavid L. Stevens, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $5,200.00  
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21524 / CMGPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21559 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21570 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21676 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21734 / CMGAndy Winchell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $2,600.00  
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21899 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21907 / CMGBruce H. Levitt, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21975 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-21979 / CMGBarbara J. Snavely, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $6,000.00  
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-22042 / CMGAllen I. Gorski, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $700.00  
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-22131 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $521.00  
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-22135 / CMGMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-22143 / CMGCarlos D. Martinez, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0  

Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-22232 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $422.00  
Matter ResolvedRequest
Adjourment
02/5/2025 10:00 am24-22415 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $130.00  
Matter ResolvedRequest
Adjourment
02/5/2025 12:00 pm22-17716 / CMGThomas J. Orr, Esq.Motion CompensationNo Opposition FiledTotal Paid In: $48,802.00
Matter ResolvedRequest
Adjourment
02/5/2025 12:00 pm23-15521 / CMGDaniel E. Straffi, Esq.Motion CompensationNo Opposition Filed
Matter ResolvedRequest
Adjourment
02/5/2025 12:00 pm23-18045 / CMGKarina Pia Lucid, Esq.Motion CompensationOrder to be SubmittedTotal Paid In: $11,600.00
mk: Tr obj: flat fee case all services related to confirmation

MK: atty to submit Revised order for fees $800
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes