Judge Christine M. Gravelle
Hearing Date: 3/20/2024
Hearing Count: 0
Last Updated: 04-12-2024 05:52 PM

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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Matter ResolvedRequest
Adjourment
13/20/2024 9:00 am18-30886 / CMGThomas J. Orr, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/17/2024 9:00 am
Total Paid In: $26,965.00
adj request for debtor to determine impact of ex spose case (23-21477(MBK) and $

ARREARS 5,075. Last pay 1/8/24

MP confirmed in Feb 2022 and provided for payment to increase in Jan 2024 to 1700. has not made those payments
Matter ResolvedRequest
Adjourment
23/20/2024 9:00 am19-10319 / CMGAllen I. Gorski, Esq.Notice of Proposed SettlementOrder Previously Submitted
Tr limited obj, needs order to set forth settlement after objection deadline<>NTC OF PPSD SETTLEMENT

3/13/24: CO submitted
Matter ResolvedRequest
Adjourment
33/20/2024 9:00 am19-13047 / CMGLee M. Perlman, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
Mk; Motion to vacate Dismissal so balance of plan can be paid.
Matter ResolvedRequest
Adjourment
43/20/2024 9:00 am19-13402 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
Plan Has expired. Plan Balance $4,736.43. Last pay was 1/16/24

we are in month 61
Matter ResolvedRequest
Adjourment
53/20/2024 9:00 am19-28171 / CMGPRO SETrustee Certification of DefaultContinued
4/17/2024 9:00 am
Total Paid In: $17,378.00
(mk) debtor will make 2 payments by emd of week and then can be current before the end of March

(mk) email to debtor- she need some time to get current

Debtor obj, will pay <>ARREARS

Matter ResolvedRequest
Adjourment
63/20/2024 9:00 am19-28714 / CMGJoan Sirkis Warren, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $24,273.00
AMT: MP 3/20>>> Honor Roll

Debtor obj, ARREARS
Matter ResolvedRequest
Adjourment
73/20/2024 9:00 am19-28812 / CMGJoel R. Spivack, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
ARREARS 4,660 Last pay 11/28/23
Matter ResolvedRequest
Adjourment
83/20/2024 9:00 am19-30936 / CMGRobert C. Nisenson, Esq.Creditor Certification of DefaultContinued
4/17/2024 9:00 am
Total Paid In: $82,568.00
mk: debtor attempting to cure - creditor uploaded request to adj to 4/17

Debtor obj, will pay<> SANTANDER/State St (Gross)

post pet 2,709.98
debtor says will try to get current
Matter ResolvedRequest
Adjourment
93/20/2024 9:00 am19-31610 / CMGJeffrey E. Jenkins, Esq.Motion SellRevised Order SubmittedTotal Paid In: $26,790.00
US Bank limited response ( RAS)<>5 LONE STAR LN
>.Revised order submitted - adds lang for Us Bank

Mk: Case confirmed MP for 100%. Order pays balance due on plan. looks to be about 4300

appl to retain realtor filed
Matter ResolvedRequest
Adjourment
103/20/2024 9:00 am20-11183 / CMGTimothy P. Kane, Esq.Creditor Certification of DefaultContinued
4/17/2024 9:00 am
Total Paid In: $45,550.00
Debtor obj, requesting repayment plan<> US BANK/Emerson St (Brock & Scott)

creditor request to adj uploaded for debtor to seek a LM
Matter ResolvedRequest
Adjourment
113/20/2024 9:00 am20-14446 / CMGLee M. Perlman, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $85,473.00
Debtor obj, will pay end of March<> ARREARS

debtor says made payments not accounted for.

3/8/24(mk) RECAP IS $83,651 PTD Then $1,855 x 12 Begin 4/1/24 email to atty
Matter ResolvedRequest
Adjourment
123/20/2024 9:00 am20-15273 / CMGAndrew Thomas Archer, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $11,100.00
Debtor obj, will pay<> ARREARS/ plan balance= 1,800 last pay 11/3/24

debtor proposes 300 x 6 to pay it off so we need to extend plan
PTD 10,800 then 300 x 6 Begin 4/1/24 plan extended to total 53 mos

Tr reply by dm to atty needs to make an immediate payment
so see if that happens and then can do a TR order

plan length was 44 mos and we are in mo 47
Matter ResolvedRequest
Adjourment
133/20/2024 9:00 am20-21659 / CMGDavid G. Beslow, Esq.Creditor Certification of DefaultContinued
4/3/2024 9:00 am
Total Paid In: $22,260.00
3/20 : creditor says $ sent - need to post before can w/d Cert wants adj to 4/3


AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, will request repayment if not cured<>NATIONSTAR/Mercer St (LOGS)
Matter ResolvedRequest
Adjourment
143/20/2024 9:00 am21-13243 / CMGJeffrey E. Jenkins, Esq.Trustee Certification of DefaultWithdrawn
3/12 AMT: ARREARS CURED/ISSUING PAYOFF FOR SMALL BALANCE DUE TO COMPLETE<>

Debtor obj, current through Feb & will pay March<>


Payment posted 3/11/24 so Plan Balance is $18.97
and we are in Month 35 of a 36 mo plan
Matter ResolvedRequest
Adjourment
153/20/2024 9:00 am21-14026 / CMGDaniel E. Straffi, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $81,560.00
>>RECAP would be :81,560 PTD Then $3,834 x 26 Begin 4/1/24 DEBTOR MUST SIGN UP FOR EWAGE FOR PAYMENTS WITHIN 10 DAYS. email to atty- ok to terms

Debtor obj, making pymts & requests recap<> ARREARS

DEBTOR is not paying the correct plan amt of 3670. Has only been paying 2,485 and missed Dec and Jan payments do TOTAL ARREARS AS OF 3/12/24 is $9,375

Matter ResolvedRequest
Adjourment
163/20/2024 9:00 am21-16694 / CMGSteven J. Abelson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/17/2024 9:00 am
Total Paid In: $21,116.00
adj to 4/17 for atty to resolve tax claim 31- has call scheduled w/ St On NJ- says van keep payment the same and extend plan form 48 to 53

3/19/24:THE TAX CLAIMS STILL CONTAIN ESTIMATED PORTIONS- EMAIL TO ATTY

Debtor obj<>FAILED TO ADDRESS NJ ESTIMATED/LATE FILED CLMS #31-1 & #32-1

debtor obj: working on resolving tax claim if not will file motion MK: amended claims still estimated


-----------------------Resolved------------------------
AND STATUS OF LAWSUIT ON AUTO ACCIDENT- there was a stip of dismissal - will provide-supple reply= attaches stip of dismissal


PI claim was dropped by counsel and not pursued-TR NEEDS A CERT AS TO THIS OR A COPY OF THE STRIP OF DISMISSAL FOR THE LAWSUIT
Matter ResolvedRequest
Adjourment
173/20/2024 9:00 am21-16796 / CMGCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $44,144.00
OTBS-Cure of arrears by end of the month and maintain ongoing payments



creditor request to adj to 3/20

Debtor obj, made pymts<> NATIONSTAR/Hollowbrook Rd (Gross Polowy)
Matter ResolvedRequest
Adjourment
183/20/2024 9:00 am21-18150 / CMGLee M. Perlman, Esq.Trustee Certification of DefaultWithdrawnTotal Paid In: $9,939.00
Debtor obj, made pymt<> ARREARS CURED
Matter ResolvedRequest
Adjourment
193/20/2024 9:00 am21-18995 / CMGRussell L. Low, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)GrantedTotal Paid In: $19,250.00
mk: debtor made payment to bring him current though Feb 2023.
Matter ResolvedRequest
Adjourment
203/20/2024 9:00 am21-19215 / CMGJustin M. Gillman, Esq.Motion Relief from Stay (Fee)DeniedTotal Paid In: $28,313.00
NS by creditor- 2nd call- denied w/o prej failure to appear


Debtor obj<>SHARON GARDENS CONDO (CUTOLO BARROS)
Matter ResolvedRequest
Adjourment
213/20/2024 9:00 am22-10330 / CMGFrancis P. Cullari, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
SV/CLEARBROOK; ARREARS 1,504 Last pay 11/29/23
Matter ResolvedRequest
Adjourment
223/20/2024 9:00 am22-10812 / CMGCamille J. Kassar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/3/2024 9:00 am
Total Paid In: $29,393.00
AMT: MP 4/3<<>>

MP #79 filed


AMT: MP(#71) 2/21/24<>

treats wells fargo as unaffected- mk; say SV as unaffected...and cap arrears 100% plan.

(AMT: OBJ DOES NOT ADDRESS SV)<<>>

Debtor obj<>SV/WELLS FARGO(2009 Honda); ARREARS 4,020

arrears added up from mos of 1/23-4/23 . Debtor did not make full TR payments for those months
Matter ResolvedRequest
Adjourment
233/20/2024 9:00 am22-10941 / CMGRobert Cameron Legg, Esq.Objection to Debtor's Claim of ExemptionsMoot - Dismissed
TRUSTEE OBJ TO AMD SCH C FOR $10,000 UNDER (d)(11)(D)
Matter ResolvedRequest
Adjourment
243/20/2024 9:00 am22-11147 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/17/2024 9:00 am
Total Paid In: $16,200.00
Debtor obj, proposes $4,000 & recap<>ARREARS 9.622

Mk: TR payment increased from $1200 to $ 2,446. Debtor never adjusted his payment upward so arrears as o f3/13/24 are $9,622
Matter ResolvedRequest
Adjourment
253/20/2024 9:00 am22-12831 / CMGVera Fedoroff, Esq.Creditor Certification of DefaultContinued
4/17/2024 9:00 am
Total Paid In: $26,734.00
MK: creditor adj request . needs time for accounting clarification on loan history

AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, will cure<> SELENE FINANCE/hendrickson Rd (RAS)

MK: post pet:5,029.84 as of 12/28/23

Creditor email ( Aleisha): - Secured Creditor will only allow conduit as a resolution to this matter due to repeated default(s).

Matter ResolvedRequest
Adjourment
263/20/2024 9:00 am22-12925 / CMGRobert Cameron Legg, Esq.Trustee Certification of DefaultContinued
4/17/2024 9:00 am
Total Paid In: $13,125.00
Debtor obj, filing MP<> ARREARS
Matter ResolvedRequest
Adjourment
273/20/2024 9:00 am22-14223 / CMGTHOMAS M MONAHAN, ESQMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/3/2024 9:00 am
Total Paid In: $38,820.00
3/12/24(mk): order entered reimposing stay. Arrears are 2,720 which is a little over 1 payment which would

WHAT IS STATUS OF DEBTOR'S CLAIM IN AUTO ACCIDENT THAT OCCURED AFTER CONFIRMATION?

---------------------------------
2/20/24: stay will be reinstated on 2/21/24 Plan was to pay the Mtg claim and she may try to Loan mod - but has decided not to and its straight cure plan so once Order reinstating stay is entered Tr can disburse to the creditor again. adj 30 days to make sure she's current on Tr payments


Debtor obj<>SV/US BANK; FAILED TO COMPLETE LM WITHIN 6 MO OF 11/16/22 CONF

MK: cert in support of Motion to Reinstate the Stay says had auto accident after case was confirmed- no notice to Tr or amended schedules or retention of special counsel

WHAT IS STATUS OF DEBTOR'S CLAIM S IN AUTO ACCIDENT THAT OCCURED AFTER CONFIRMATION?
Matter ResolvedRequest
Adjourment
283/20/2024 9:00 am22-15047 / CMGKevin C. Fayette, EsqTrustee Certification of DefaultTrustee OrderTotal Paid In: $11,945.00
3/12/24(mk): 3,000 posted 2/28/24. Arrears now 3,965

Plan(100%) will complete timely at the confirmed amt of $995 x 39 begin 4/1/24 the ptd is 11,945
NEEDS EWAGE- email to atty- Ok to terms




---------------------------------
2/14/24(mk): arrears are 5,970

1/11/24: atty email will have 2,000 debtor been very ill - needs time

Debtor obj, can make pymt & requests recap<> ARREARS .
Matter ResolvedRequest
Adjourment
293/20/2024 9:00 am22-15195 / CMGAndrew G. Greenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Trustee OrderTotal Paid In: $74,659.00
Tr order: current by 3/31/24 or case will be dismissed upon a Tr cert that debtor is not current per the order. then reg payment begin April.



As of 3/18/24(mk): arrears 3887.83

>>adj 3/20 to be current- mk sent email to atty on 3/13



PER AR:ok to adj to 2/21 for debtor to be current and may need a small recap per AMT

MK: atty getting TFS issues resolved- will Atty request adj to Feb to be completely current and Ewage is set up for 2nd job.


1/12/24: ARREARS $10,900 (2 PAYMENTS FOR DEC AND JAN) only pd $850 in DEC.

12/18/23: CURRENT THROUGH NOV; NOW OWES DEC for $5,450.

11/13/23: PER AR, adj 45 says for debtor to get on E-wage and be completely current.

Debtor obj, made pymt<>ARREARS.

monthly payments is 5,450.
Matter ResolvedRequest
Adjourment
303/20/2024 9:00 am22-15349 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/17/2024 9:00 am
Total Paid In: $10,000.00
MP filed on 4/17/24


- reduce payments and include pending workers comp settlement as other source of payments-
ARREARS STILL NEED TO BE ADDRESSED

Debtor obj, filed MP<>ARREARS $8,764 as of 3/12/24

mk: payment increased from $500 to $1,533 begin 8/1/23.
Debtor has never made a payment at that higher amt.
Matter ResolvedRequest
Adjourment
313/20/2024 9:00 am22-15422 / CMGGeorge E. Veitengruber, III, Esq.Motion Relief from Co-Debtor StayGrantedTotal Paid In: $6,290.00
2/14/24: NEED UPDATE

to 2/21 and then 3/20 for payments to post

M&T BANK / Randolph St (McCALLA RAYMER)

>>late opp'n by debtor: says debtor made payments in the amount of $4,762.26 on December 22, 2023 and sent another payment in the amount of $2,405.78,



Post pet:7,143.39 as of 12/11/23
Matter ResolvedRequest
Adjourment
333/20/2024 9:00 am22-16411 / CMGDonald C. Goins, Esq.Creditor Certification of DefaultOrder to be SubmittedTotal Paid In: $6,172.00
Hold for confirmation at 10

NS by creditor 2nd call

>>1 creditor case


trying to resolve- needs more time to see who is servicing loan Greenspoon is law firm on this for creditor- waiitng for confirmation

1/11/24:mk: email from atty - MTG was transferred and creditor atty not been retained by new servicer- agreed to adj to 2/7- will upload request


Debtor obj, made pymt<>NATIONSTAR/ Walnut ST (Greenspoon Marder)


Post pet. 3,865.20 as of 12/13/23
Matter ResolvedRequest
Adjourment
323/20/2024 9:00 am22-16411 / CMGDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $6,172.00
MP on 3/6 **NEEDS RESOLUTION**<<>>

1/11/24:mk: email from atty - MTG was transferred and creditor atty not been retained by new servicer- agreed to adj to 2/7- will upload request


Debtor obj, filed MP<>FAILED TO LM BY 10/30/23
Matter ResolvedRequest
Adjourment
343/20/2024 9:00 am22-17144 / CMGPRO SEMotion Relief from Stay (Fee)GrantedTotal Paid In: $26,615.00
SIXTY ACRE RESERVE CONDO ASSOC (McGOVERN LEGAL)

there is SV on Mtg w/ US Bank- now condo Assoc. moving for SV
Matter ResolvedRequest
Adjourment
353/20/2024 9:00 am22-17278 / CMGRobert Cameron Legg, Esq.Trustee Certification of DefaultDismissed
As of 3/18/24(mk): arrears 3,570- last pay stil was 10/4/23.


debtor had $1200 stolen from her - police holding it as evidence. will file supp cert and copy of police report. that $ is for TR- need time to pay


Debtor obj, requests recap<> ARREARS

2/14/24:LAST PAY WAS OCT. ARREARS 3013
NEEDS A RECENT PAYMENT BEFORE ANY RECAP

Mk: per atty debtor to receive workers Comp check on 2/15/24 needs that to make good faith payments
Matter ResolvedRequest
Adjourment
363/20/2024 9:00 am23-10017 / CMGCarrie J. Boyle, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $9,000.00
3/4/24(mk) Order submitted outside cure

adj request uploaded to 3/20 to resolve

debtor opp'n>WELLS FARGO/2015 Highlander (LOGS)

debtor says can sure by 2/19- expecting tax refund
Matter ResolvedRequest
Adjourment
373/20/2024 9:00 am23-10122 / CMGJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedTotal Paid In: $16,088.00
Debtor obj, made pymts<>MERCEDES-BENZ/ 2017 Mercedes(EISENBERG GOLD)

3/15: order submitted
Matter ResolvedRequest
Adjourment
383/20/2024 9:00 am23-10310 / CMGSteven J. Abelson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $23,866.00
AMT: mp 3/20 <<>>HR>>

Need pending payments to post before confirming - ADJ to 2/21/24 (dm)


Debtor obj<>FAILED TO PAY $25,000 LUMP SUM BY 9/30/23 PER CONF ORDER

filed MP at #41- on for 2/7 THEN FILED ANOTHER MP AT #44 NO DATE YET but it was in time for 2/7 date so i think #44 will be worked up for 2/7
Matter ResolvedRequest
Adjourment
393/20/2024 9:00 am23-10359 / CMGYakov Rudikh, Esq.Motion Relief from Co-Debtor StayGrantedTotal Paid In: $25,464.00
SANTANDER CONSUMER/2021 dodge Durange (EISENBERG, GOLD)
Matter ResolvedRequest
Adjourment
403/20/2024 9:00 am23-11224 / CMGSteven J. Abelson, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $12,519.00
Debtor obj, made pymt & requests recap<> ARREARS are 4,124.01 as of 3/12/24

debtor made a March payment but before that last pay was in Nov 2023

3/19/24:recap would be 11,226.99 PTD Then Lump sum 1,292 by
3/22 /24 then 1,397 x 47 begin 4/1/24 - email to atty- ok to terms

Matter ResolvedRequest
Adjourment
413/20/2024 9:00 am23-11657 / CMGLaurence R. Sheller, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/17/2024 9:00 am
Total Paid In: $6,311.00
MP FILED (#45)plan tries to extend LM for 90 days - 4/17/24

debtor is seeking to extend Loss mit she is providing docs to lender


Debtor obj, working on LM, needs more time<>FAILED TO LM BY 1/1/24
Matter ResolvedRequest
Adjourment
423/20/2024 9:00 am23-11662 / CMGLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $28,430.00
MP 3/20**

FAILED TO FILE MP POST LM >MP on 3/20
Matter ResolvedRequest
Adjourment
433/20/2024 9:00 am23-11836 / CMGJohn Zimnis, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedTotal Paid In: $7,690.00
mk 3/19 sent email at attys: REPLY=Consent Order has been prepared and sent to Debtor's counsel to review. He noticed some possible discrepancies with the figures and I have forwarded same to my client to look into.
I think the parties would like this marked OTBS.



IS THIS RESOLVED?

adj to 3/20 to review CO

Debtor obj, will pay<>SN SERVICING / Morton Ave (FRIEDMAN)

Post pet 8,271.25 as of 1/5/24
debtor says will cure arrears
Matter ResolvedRequest
Adjourment
443/20/2024 9:00 am23-11881 / CMGJohn H. Anlian, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/17/2024 9:00 am
Total Paid In: $14,800.00
MP #45 was w/d. atty to file new MP and motion objecting to DSO claim as claims it was paid. Needs request to adj this Tr Motion

Debtor obj<>FAILED TO ADDRESS GECZI LAT FILED CLM #7-1;

ARREARS 12,000 . LAST PAY 12/6/23

FILED A MP( NO NOTICE) to catch up on amended amended I & J- MP still does not address the DSO late claim #7-1

3/23:MK sent atty email on probs w/ MP and debtor needs to make a payment ASAP

atty reply - he will file opp'n to Tr moiton. he will w/d mp #45 and refile plan on notice- he is going to move against the DSO claim as says debtor is now current on that.
Matter ResolvedRequest
Adjourment
453/20/2024 9:00 am23-11918 / CMGBrad J. Sadek, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $4,419.00
2/20/24: MP filed 2/16/24- have reached out to lender for APOC provided a proof of payment for 606.50


AMT: MP 3/20**

Debtor obj, will file MP after hearing to approve ERMA funding<> PLAN WAS DENIED ON 10/18/23 AND FAILED TO FILE MP WITHIN 21 DAYS


Mk: Motion for ERMA was granted 12/6. NEED MP TO BE FILED- filed at #30
Matter ResolvedRequest
Adjourment
463/20/2024 9:00 am23-12456 / CMGJustin M. Gillman, Esq.Creditor Certification of DefaultContinued
4/3/2024 9:00 am
Total Paid In: $7,090.00
credtor wants 2 more weeks - debtor says she is current- TR pressing conduit

creditor adj request to 3/20 for ongoing settlement discussions

AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, made pymt<>M&T Bank/Central Ave (McCalla)

Mk; post pet :4,034.31
debtor to cure in reasonable time..
Matter ResolvedRequest
Adjourment
473/20/2024 9:00 am23-12564 / CMGMarc C. Capone, Esq.Trustee Certification of DefaultContinued
4/3/2024 9:00 am

a Mk atty needs 2 weeks to convert to 7 - can't make payments

Debtor obj<> ARREARS 3,404 as of 3/15/24

Opp'n says debtor o lost PT job- filing a MP and amended sch I & J due to loss of income
Matter ResolvedRequest
Adjourment
483/20/2024 9:00 am23-12758 / CMGJohn Zimnis, Esq.Motion Relief from Stay (Fee)Continued
4/17/2024 9:00 am
Total Paid In: $1,100.00
CREDIT UNION / North Olden Ave- 1st mtg
(McKENNA DUPONT)
Matter ResolvedRequest
Adjourment
493/20/2024 9:00 am23-12758 / CMGJohn Zimnis, Esq.Motion Relief from Stay (Fee)Continued
4/17/2024 9:00 am
Total Paid In: $1,100.00
CREDIT UNION /North Olden - 2nd mtg(McKENNA DUPONT)
Matter ResolvedRequest
Adjourment
503/20/2024 9:00 am23-12901 / CMGWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/17/2024 9:00 am
Total Paid In: $6,640.00
mk: 3/15/24 LM IS UNDER REVIEW


debtor obj>FAILED TO LM BY 12/31/23

Debtor says LM package submitted waiting for lender reply- have PD TR and Mtg payments
Matter ResolvedRequest
Adjourment
513/20/2024 9:00 am23-12926 / CMGKarina Pia Lucid, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $30,123.00
AMT: 3/20 MP --*HR**<<>>

FAILED TO ADDRESS US SMALL BUS ADMIN LATE FILED CLM # 20-1

Mp on 3/20- addresses the claim

CONF >>HAS TERMS
Matter ResolvedRequest
Adjourment
523/20/2024 9:00 am23-12999 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/3/2024 9:00 am
Total Paid In: $15,120.00
2 weeks for covert to 7 for conf or D

MP on 3/20>

MP at #44 was w/d then filed MP at #47

Debtor obj, filing MP<>FAILED TO LM BY 10/31/23; FAILED TO FILE FEE APP WITHIN 7 DAYS OF 10/4/23 CONF

mk: debtor has listed RE for sale needs to extend time to sell
Matter ResolvedRequest
Adjourment
533/20/2024 9:00 am23-13831 / CMGMelinda D Middlebrooks, EsqMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/17/2024 9:00 am
Total Paid In: $1,000.00
AMT; MP 3/20>>ISSUES/OBJECTIONS<<

Debtor obj, filing MP<>FAILED TO LM BY 9/15/23; EXTENDED LOSS MIT EXPIRED 12/15/23

MK: plan has LM removed and says mtg was paid off by debtor's son- need APOC from Mtg co
Matter ResolvedRequest
Adjourment
543/20/2024 9:00 am23-13878 / CMGRobert Cameron Legg, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $10,480.00
atty ok to recap
10,480 PTD then 2,069 x 50 begin 4/1/24


3/12/24(mk) Arrears now are 6,472


Debtor obj, can pay half and request adj for bal<> ARREARS 9,560 as of 2/20/
ATTY SENT PROOF OF CASHIERS CK FOR 5,000 DATEDD2/20 SO THAT NEEDS TO BE SENT IN AND POSTED
Matter ResolvedRequest
Adjourment
553/20/2024 9:00 am23-13941 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/17/2024 9:00 am
Total Paid In: $3,300.00

Debtor obj, has contract, filing mtn<>FAILED TO SELL ISABELLA DRIVE PPTY BY 11/30/23

mk: REALTOR RETAINED AND A SALE K WAS FILED ON DOCJKET ON 2/6/24..WHERE IS THE MOTION TO SELL?
Matter ResolvedRequest
Adjourment
563/20/2024 9:00 am23-14134 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
SV/490 MAIN ASSOC, LLC; ARREARS 3,445
Matter ResolvedRequest
Adjourment
573/20/2024 9:00 am23-14152 / CMGRobert C. Nisenson, Esq.Trustee Certification of DefaultTrustee OrderTotal Paid In: $2,215.00
Debtor obj, will try to pay<>ARREARS as of now are 200 which is the march payment 200 as of 3/19/24

RECAP 1,800 PTD Then $215 x 50 begin 4/1/24
debtor is on TFS

current plan balance 10,687
case was conf in Oct 2023 there after atty fees for credior motion
were added to plan
Matter ResolvedRequest
Adjourment
583/20/2024 9:00 am23-14243 / CMGJustin M. Gillman, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedTotal Paid In: $3,000.00
SETTLEMENT OF PI CLM

..amended c was filed - now ok

Limited Obj: NEEDS AMENDED C TO CLAIM EXEMPTION AMOUNT OTHERWISE OKAY

Gross amt 82,500 - sp counsel retained. just for debtor, Elaine. no per quod claim for Joel

will receive net 50,250.07- exemption 27,900 and balance 22,350.07 to TR
Matter ResolvedRequest
Adjourment
593/20/2024 9:00 am23-14424 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Continued
4/17/2024 9:00 am
Total Paid In: $2,800.00
SN SERVICING /CONOVER ST(FRIEDMAN)


Debtor filed motion to extend Loss mit to 6/7/24 ORDER ENTERED EXTENDING TO 6/7/24

adj 4/17/24:atty want adj as he wants to file motion to terminate the Loss mit- they failed to obj to the motion for loss mit by the debtor
Matter ResolvedRequest
Adjourment
603/20/2024 9:00 am23-14460 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/3/2024 9:00 am
Total Paid In: $29,025.00
motion to Allow late Claim on 4/3/24


Debtor obj<>FAILED TO COMPLY WITH PROVISION OF 12/6/23 CONF FOR A POC TO BE FILED FOR SLS AND MTN AUTHORIZING TRUSTEE TO PAY LATE CLM

mk: on 2/16 creditor CSMC TRUST/ Select Portfolio filed claim- LATE CLAIN SO NEEDS A MOTION TO ALLOW OR CO
Matter ResolvedRequest
Adjourment
613/20/2024 9:00 am23-14650 / CMGRobert Manchel, Esq.Creditor Certification of DefaultContinued
4/3/2024 9:00 am
Total Paid In: $30,100.00
Debtor obj, proposes 6 mo recap<>FAY SERVICING/Wendover Rd (Friedman Vartolo)
Matter ResolvedRequest
Adjourment
623/20/2024 9:00 am23-15116 / CMGDonald C. Goins, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $7,200.00
NEED UPDATE

3/4/23(mk) creditor email. Debtor made March Payment- adj to 3/20 to post

NEED UPDATE

creditor needs 2 weeks to confirm recent payments 2/21/24

2/7/24 mk:will be requesting adj. Tr want to know where $ is coming from ( answer= from debtor's severance package from previous employer got 13,000- he pd 8769.49 on 1/22 to creditor and 2,142.64 on 1/26/24))

>>and any order needs provision in even of future default- require Conduit

AMT: TR LTR REQUESTING CONDUIT<<>>

Debtor obj, can pay in Jan<>CARRINGTON MTG /Lenny Ct(STERN LAVINTHAL)

Post pet due: 5,995.96 as of 12/21/23
Matter ResolvedRequest
Adjourment
633/20/2024 9:00 am23-15720 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/3/2024 9:00 am
Total Paid In: $13,820.00
3/30 needs short adj to clear it up


Debtor obj, paid mtg co/requests recap<>ARREARS 18,389.80
there is Order for Conduit Mtg payments so monthly payment is $6,800 p/m

mk: debtor wants recap... he has not made any of the 3 conduit payments at 6,800 begin Jan. In Jan he made 1,000 payment and in March made a 1,010.10 payment
Matter ResolvedRequest
Adjourment
643/20/2024 9:00 am23-15724 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/3/2024 9:00 am
Total Paid In: $4,500.00
3/20- debtor signed LM agreement and filed motion to approve LM

NEED UPDATE

WHAT'S STATUS OF lm DEADLINE WAS 3/1/24?
atty has not gotten a response.
this was adj from 3/6/ to 3/20

2/20: order extending Loss Mit to 3/1/24 submitted today


motion extending loss mit was marked OTBS on 1/17/24. STILL NO ORDER SUBMIITEED AS OF 2/14/


Debtor obj<>FAILED TO LM BY 11/14/23; Debtor filed Motion to Extend Loss Mt to 4/1/24 (obj deadline is 1/2/24


FAILED TO ADDRESS IRS EST CLM #6-1u- APOC FILED 12/27/23
Matter ResolvedRequest
Adjourment
03/20/2024 9:00 am23-15845 / JNPKEVIN C. FAYETTE, ESQUIREConfirmation Hearing on Modified PlanPlan DeniedDebtor has made 6 of 9 required payments   Arrears: $600.00  
Plan Denied - debtor filing a MP to surrender apartment (dm)
Matter ResolvedRequest
Adjourment
653/20/2024 9:00 am23-16050 / CMGJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Dismissed
FAILED TO LM BY 1/31/24
last pay jan. arrears $400
Matter ResolvedRequest
Adjourment
663/20/2024 9:00 am23-16235 / CMGVera Fedoroff, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Continued
4/3/2024 9:00 am
Total Paid In: $6,610.00
conf 4/3/24

2/14/24(mk FILED MP #25 on 3/20 TO EXTEND DEADLINE FOR LM to 4/25/24

debtor opp'n>FAILED TO LM BY 1/11/24; FAILED TO FILE ORDER RESOLVING TRUMAN 2021 SC9 TITLE TRUST OBJ TO CONF W/I 30 DAYS OF 9/25/23 CONF ORDER

debtor says all docs submitted to lender
Matter ResolvedRequest
Adjourment
673/20/2024 9:00 am23-16698 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $3,835.00
3/12 amt: ARREARAGE PD/OWES MARCH & WILL COMPLETE TIMELY<<>>

AMT: CLM RESOLVED/PROOF OF ARREARAGE PYMT PROVIDED<<>>

FAILED TO FILE POC ON BEHALF OF TEC, INC AND MTN AUTHORIZING TRUSTEE TO PAY LAGE CLAIM WITHIN 14 DAYS OF 12/29/23 CONFIRMATION;

ARREARS 1.708 as of 2/27 and last pay 12/20/23

TRUSTEE'S MOTION TO CHANGED FROM WITHDRAWN TO ADJOURNED DUE TO PAYMENT BEING REVERSED FOR BAD ACCOUNT NUMBER. ADJOURN TO HAVE ANOTHER PAYMENT POST -KB
Matter ResolvedRequest
Adjourment
683/20/2024 9:00 am23-16773 / CMGSteven J. Abelson, Esq.Motion Avoid LienGranted
MTN TO AVOID LIEN/DISCOVER (DC-002157-20/DJ-25604-21)


mk: claim was paid in full.
Matter ResolvedRequest
Adjourment
693/20/2024 9:00 am23-17525 / CMGAndy Winchell, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToRevised Order Submitted
MTN TO EXPUNGE CLM#11

Limited obj: needs revised order that says in 1st ORDERED paragraph Claim #17 is Expunged. then rest of order is fine
Matter ResolvedRequest
Adjourment
703/20/2024 9:00 am23-17725 / CMGRobert C. Nisenson, Esq.Motion Relief from Stay (Fee)Continued
4/17/2024 9:00 am

Debtor obj, will pay before hearing<>PENNYMAC LOAN/ Eisenhower Dr (FEIN SUCH)


per creditor: debtor has submitted a settlement proposal and creditor needs time to review and adj request uploaded for 4/17.
Matter ResolvedRequest
Adjourment
713/20/2024 9:00 am23-17985 / CMGPeter E. Zimnis, Esq.Motion Relief from Co-Debtor StayContinued
4/3/2024 9:00 am

Debtor obj, pymts not acconted for<>SELENE FINC / Rt 33 (ROBERTSON, ANSCHUTZ)
Matter ResolvedRequest
Adjourment
723/20/2024 9:00 am23-18348 / CMGJoseph Albanese, Esq.Motion Relief from Stay (Fee)Granted
ALLY BANK/2021 Ram 1500 (LAVIN, CEDRONE)
Matter ResolvedRequest
Adjourment
733/20/2024 9:00 am23-18587 / CMGJoseph Albanese, Esq.Objection to Debtor's Claim of ExemptionsOrder to be Submitted
TR OBJ TO AMD SCH C, $55,800 FOR PI INJURY CLAIM

No special counsel retention yet

The per quod exemption claim of debtor husband shall be allowed
to the extent, and only to the extent, the debtor husband actually
receives a per quod monetary award in the debtor wife's personal
injury lawsuit. Any non-exempt funds awarded to the husband or
wife in said litigation shall be turned over to the Trustee for
distribution in accordance with the debtors' confirmed plan.
Matter ResolvedRequest
Adjourment
743/20/2024 9:00 am23-18989 / CMGAndrew G. Greenberg, Esq.Motion Relief from Co-Debtor StayContinued
4/17/2024 9:00 am
Total Paid In: $10,873.00
AMT; TR LTR REQUESTING CONDUIT<>

Debtor obj, requests recap<>MCLP ASSET COMPANY/Elm Drive (McCABE WEISBERG)
Matter ResolvedRequest
Adjourment
753/20/2024 9:00 am23-19511 / CMGMoshe Rothenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnTotal Paid In: $2,800.00
MP on 3/20>>HR**>


Debtor obj<>DEBTOR'S PLAN WAS W/D ON 1/17/24 AND FAILED TO FILE MP IN 14 DAYS
Matter ResolvedRequest
Adjourment
763/20/2024 9:00 am23-19822 / CMGSteven J. Abelson, Esq.Motion Relief from Co-Debtor StayContinued
4/30/2024 10:00 am

PROVIDENT FUNDING /Juniper St (POWERS)

CASE WAS CONVERTED TO A CH 7- SO THIIS MOTION NEEDS A CH 7 HEARING DATE- mk: CT set it for 4/30/24 at 10:00AM
Matter ResolvedRequest
Adjourment
773/20/2024 9:00 am23-20416 / CMGDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayOrder to be Submitted
Debtor obj<>US BANK NAT'L ASSOC/CITIGROUP MTG -Lori St (KML)
Matter ResolvedRequest
Adjourment
783/20/2024 9:00 am23-20416 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order to be Submitted
Debtor obj, proposes pymt & recap<>TOYOTA /2022 Camry (STEWART)

OTBS - debtor to cure arrears over 6 months.

Matter ResolvedRequest
Adjourment
793/20/2024 9:00 am23-20812 / CMGJonathan Goldsmith-Cohen, Esq.Motion Relief from Stay (Fee)Granted
per debtor atty - Motion can be granted and case dismissed at 10


AMERIHOME MTG (McCABE WEISBERG)

CONF: ISSUES> INCOMPLETE DOCS
Matter ResolvedRequest
Adjourment
803/20/2024 9:00 am23-21412 / CMGAdam Schneider, Esq.Motion Relief from Stay (Fee)WithdrawnTotal Paid In: $12,382.00
2/14/24 creditor adj request . Matt Fissal email:the Sheriff's office holds onto checks for like two weeks to ensure they clear. Because the property was redeemed with them, they will be disbursing funds to my firm on 2/20. We will then transfer to my client and they will confirm we can withdraw the MFR. That's why we are asking to push the MFR back a little further so this process can play out and we can get formal approval to withdraw.


SALE CLOSED 2/6- WE HAVE HUD- THIS SHOULD BE W/D



mk:SALE ORDER ENTERED 2/1/24- SALE TO TAKE PLACE 2/6/24


sale Motion was moved up OST to 2/1/24


Debtor obj<>GITSIT SOLUTIONS /(Western Reach BROCK & SCOTT)

Sheriff's sale on prop 12 /4/23. Petition filed 12/8. Creditor says prop not asset of estate. debtor is tenant in prop and only has a possessory Rt. Bank now own prop and is responsible for all violations caused by Debtor.
Matter ResolvedRequest
Adjourment
813/20/2024 9:00 am23-21467 / CMGRichard S. Hoffman Jr.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Revised Order Submitted
atty submitted a revised order- w/ my terns- asked CT to make conf date 5/1/5/24

NS second call


dismissed for no payments and NS on conf hearing date.
had a 341 scheduled but case was dismissed beforehand

2/26/24:Tr Objection: Must add to order : Debtor to make payment of $675( which represents the amount of Tr Arrears through the month of march 2024. to the trustee with in 7 days of entry of order Vacating dismissal of the case .


NEEDS A 341 HEARING AND CONF DATE IF REINSTATED.
Matter ResolvedRequest
Adjourment
823/20/2024 9:00 am24-10143 / CMGHerbert B. Raymond, Esq.Motion Relief from Stay (Fee)Order to be SubmittedTotal Paid In: $1,500.00
Debtor obj, made pytms<>PHH MTG /Greenwood Ave (ROBERTSON, ANSCHUTZ)

OTBS- continue - pursue LM in rem relif as to future case if case dismissed or SV
Matter ResolvedRequest
Adjourment
833/20/2024 9:00 am24-10186 / CMGMarc C. Capone, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramDenied
New Rez obj (Friedman Vartolo)<>LOSS MIT

3/19/24:per debtor atty: will be MP to cure arrears so application for Loss mit can be denied.
Matter ResolvedRequest
Adjourment
843/20/2024 9:00 am24-10188 / CMGCandyce I. Smith-Sklar, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN FOR POA TO FILE AND COMPLETE PLAN ON BEHALF OF DEBTOR
Matter ResolvedRequest
Adjourment
853/20/2024 9:00 am24-10397 / CMGKevin C. Fayette, EsqMotion Relief from Stay (Fee)Continued
4/3/2024 9:00 am

mk: parties agree to 2 weeks 4/3

NEED UPDATE ON THIS MOTION- 3/12/24: mk email to attys- according to A. Gorski- STILL UNRESOLVED- LL WANTS DEBTOR OUT OF THE PLACE

mk: heard from atty his client dropped of rent and is getting it to Gorski- parties agree to adj to 3/20

RH request for noon-rent due by tonight- if get it then Jt request to adj to 3/20- if don't get it then Hold for Judge at Noon

debtor opp'n>AVALON MTGMT GROUP /Carroll St (GORSKI)

2/16/24:atty for LL email: Debtor's counsel promised to hand deliver February rent. If received I will request adjourning the motion to March 20 to coincide with confirmation. If rent is not paid I will request ready hold for Judge
Matter ResolvedRequest
Adjourment
863/20/2024 9:00 am24-10975 / CMGYakov Rudikh, Esq.Motion Relief from Stay (Fee)Order to be Submitted
Debtor obj, made pymt<>HYUNDAI CAP/2023 Kia Forte (EISENBERG)

OTBS:
Resolution Details:
30-day default clause beginning March 2024, insurance clause, counsel fees/costs of $449 through the plan

Matter ResolvedRequest
Adjourment
873/20/2024 9:00 am24-11297 / CMGPaul H. Young, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranted
MTN TO EXTEND STAY

Pet filed 2/14. Plan and missing scheduled filed 3/5 24

Matter ResolvedRequest
Adjourment
883/20/2024 9:00 am24-11359 / CMGKarina Pia Lucid, Esq.Order Shorten TimeContinued
4/17/2024 12:00 pm

Monica to submit interim Order extending stay
CMG ruled that grant limited stay thru 4/17 = must pay 3 payments 3500 to be made and can determine feasibility - Judge wants to see commitment so that is why she said 3 payments


sheriff s sale pending

>>OST<<

MTN TO IMPOSE STAY- Not timely filed

debtor now has family contributing- Creditor wants proof

creditor says Serial filer- last case was a sale- she had offers and turned it down- now her income does not satisfy claims

there are 2 letter aff'ds - 1 not signed and need proof that daughter and grandson are able to pay

APOC by Irs: secured 27,836.14
priority 39,384
Matter ResolvedRequest
Adjourment
893/20/2024 9:00 am24-11592 / CMGJonathan Goldsmith-Cohen, Esq.Order Shorten TimeGranted
>>OST<<
MOTION TO EXTEND STAY

Has new atty and can be successful this time
no tr pymts

Ready for 341 3/21/24
Matter ResolvedRequest
Adjourment
903/20/2024 9:00 am24-11604 / CMGJohn Zimnis, Esq.Motion Extend TimeGranted
EXTEND STAY


341 on 3/21/24
debtor has OT and better salary can make payments now
Matter ResolvedRequest
Adjourment
913/20/2024 9:00 am24-11690 / CMGLaurence R. Sheller, Esq.Motion Extend TimeGranted
EXTEND STAY

341 on 3/21
debtor has home insurance and in better place financially to be successful.
Matter ResolvedRequest
Adjourment
923/20/2024 9:00 am24-11704 / CMGBarbara J. Snavely, Esq.Motion Extend TimeGranted
MTN EXT STAY

341 on for 3/21
timely filed
lowered exp by moving in w/ friend can make Tr payments this time
Matter ResolvedRequest
Adjourment
933/20/2024 10:00 am19-28714 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 99 of 54 required payments   Arrears: $0  
Total Paid In: $24,273.00
ISSUES AS OF 3/12/2024 (DM):

***In consideration of debtors making timely Trustee payments for 44 consecutive months and being below median, in order to fund the remaining priority IRS debt, CASE NEEDS TO CONFIRM AT $24,029 PTD, THEN $244 x 7 STARTING 4/1/24, BASE PLAN, PREVIOUS CONFIRMED PROVISIONS REMAIN UNDISTURBED***

1) MP proposes $8,949.56 cram treatment to ACC Consumer Finance for 2011 Toyota Scion - case already confirmed to pay $5,050.44 - additionally, checks returned by USPS as unable to forward. Notice of Reserve.

2) MP proposes $4,965.20 cram treatment to Regional Acceptance for 2014 Nissan Maxima - case already confirmed to pay $9,034.80.

3) Trustee OBJ:
- Need amended Sch I&J per MP (RECEIVED.)
- Need updated proof of income (RECEIVED.)
- Plan attempts to excuse arrears.


Confirmed Case: $507 x 60, Base Plan.
Prop. MP: $23,829 Ptd, $200 x 9, Base Plan.
PTD = $24,029, Arrears $2,028 as MP filed.
Last Claim (8-3) dated 10/5/20.
Matter ResolvedRequest
Adjourment
943/20/2024 10:00 am22-16411 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 19 of 20 required payments   Arrears: $648.00  Total Paid In: $6,172.00
ISSUES AS OF 3/12/2024 (DM): updated 3/20/24.

***No unsecured claims filed. TRUSTEE RECOMMENDS LOW BASE CONFIRMATION AT $6,172 PTD, THEN $324 x 18 STARTING 3/1/24, 100% PLAN WITH $11,764 THRESHOLD PRESERVED, LOAN MOD WITH DLJ MORTGAGE BY 6/30/24, TRUSTEE SHALL MAKE PAYMENT ON POC (1-1) PENDING THE LOAN MOD, DEBTOR SHALL CURE ANY POST-PETITION ARREARS TO CREDITOR WITHIN 30 DAYS OR OBTAIN A CONSENT ORDER***

1) Need resolution of Nationstar Cert of Default as this is a 1 creditor bankruptcy case.


Confirmed Case: $2,597 Ptd, $324 x 27, Base with $11,764 Min Div.
- Loan Mod by 10/30/23.
Prop. MP: $324 x 36, Base.
- Loan Mod by 6/30/24.
PTD = $6,172, Arrears cured.
Last claim (1-1) dated 10/20/22.
Matter ResolvedRequest
Adjourment
953/20/2024 10:00 am22-19726 / CMGScott D. Sherman, Esq.Confirmation Hearing ScheduledContinued
4/3/2024 10:00 am
Debtor has made 10 of 16 required payments   Arrears: $0  
Total Paid In: $10,267.00
2/14 workup for the 2/21 calendar EDC

Trustee objection: MP reduces payment by $200 but no amended schedules I & J and no updated POI or 2022/2023 tax returns. Per originally confirmed plan there is around $1700 in monthly disposable income

-MP surrenders mortgages

$6980 PTD; $922 X 46 BEG 3/2024; MIN $14,000
Matter ResolvedRequest
Adjourment
963/20/2024 10:00 am23-10310 / CMGSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 19 of 15 required payments   Arrears: $767.00  Total Paid In: $23,866.00
ISSUES AS OF 3/12/2024 (DM): atty ok to terms(mk)

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $22,073 PTD, THEN $1,280 x 47 STARTING 3/1/24, 100% PLAN WITH $104,923 THRESHOLD PRESERVED. DEBTOR SHALL SIGN UP FOR TFS AUTO PAY AND PROVIDE PROOF OF SIGN-UP WITHIN 14 DAYS. SUPPLEMENTAL FEE APP SHALL BE FILED WITHIN 7 DAYS***

 $15,761 was paid in February.
 Need pending payments to post before confirming - ADJ to 2/21/24 (dm)

Note: Debtor did not sign MP Doc #41 - we are operating off of MP Doc #44 which the debtor signed (dm)

 To ensure feasibility, case should not be confirmed until $15,000 is paid as proposed by 1/31/24, and debtor makes the higher payment of $1,277 that should have been made in January ... if paid in February, the case will still timely complete.


Confirmed Case: $2,630 Ptd, $528 x 55, $100% Plan with $104,923 Min Div.
- lump sum of $25,000 by 9/30/23.
- lump sum of $25,000 by 9/30/25.
Prop. MP: $5,785 Ptd, $1,277 x 49, 100% Plan.
- lump sum of $15,000 by 1/31/24.
PTD = $22,589
Last Claim (4-1) dated 3/22/23.
Matter ResolvedRequest
Adjourment
973/20/2024 10:00 am23-10956 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 8 of 14 required payments   Arrears: $0  

tr rec dismiss w/o predj. to get things in order.

updated 3/19/2024 (JMA) ATTY TO APPEAR

atty provided a printout with 3 TFS payments dated 3/15/2024, 3/18/2024 and 3/19/2024 totaling $5,315 would still have arrears of $14,835

>>>Per plan NJ tax claim Not addresses- Bar date long passed.
last pay was 11/2/23 arrears are 20,160


issues as of 3/12/2024 (JMA)

1) Truman 2021 SC9 Title Trust (Romano Garubo) objection to confirmation - need to resolve
- plan fails to provide for full amount of arrears
- debtor is not current with Trustee plan payments, arrears $20,160

2) The plan was confirmed as a 100% plan with minimum $58,260

3) Debtor is not current with Trustee plan payments, arrears $20,160

proposed plan $34,760 paid to date, $5,315x48 minimum $47,194.17
paid in $34,760
arrears $20,160
47 months to go
Matter ResolvedRequest
Adjourment
983/20/2024 10:00 am23-11662 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 10 of 13 required payments   Arrears: $4,171.00  Total Paid In: $28,430.00
3/20: atty says last info was lender did not update system to reflect LM - need to back fill and get payment history - needs time


AS of 3/14/24(mk):email to atty

there is 7,320.80 on reserve- atty thinks mtg co may be expecting that- he is getting a pay history from lender. once i have the answer as to whether i need to add in post pet thru march( debtor would pay lender directly Begin April 2024 then i can work it up


>>THERE IS EXCESS DISPOS INCOME OF $1,937.97 PER MONTH SO THIS CAN BE PAID OFF MUCH SOONER Plan has only run 12 mos so have to confirm for 24 mos .


Debtor received a loan modification. Loan modification intentions have been removed as well as mortgage arrears. Cenlar Mortgage Central loan Admin is now unaffected in the plan.

Debtor is paying 100% to unsecured creditors due to increased disposable income on Schedule J.


MP proposes$350 X 50; 100%
LM COMPLETED
100% PLAN
plan has run 12 mos and 48 remain

PREV CONF:$3,480 PD TO DATE (3 MOS) $2,912 X 57 BEGIN 7/1/23; POT BASE $169,464; ATTY $4100/$4750
LM W/NJ HOUSING BY 9/1/23
PAY PENDING LM
Matter ResolvedRequest
Adjourment
993/20/2024 10:00 am23-11918 / CMGBrad J. Sadek, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 26 of 13 required payments   Arrears: $0  
Total Paid In: $4,419.00
3/19/24(mk): email to atty- OK to terms

**CAN REC CONFIRM AT $4,248 PTD Then $171 x 48 Begin 4/1/24 Base. Claim 13-1 filed by Mid first bank is to be treated outside the plan. Amended proof of claim to be filed w/in 45 days.
Must file fee application for supplemental Atty fees with in 7 days of confirming order **



3/17(mk) sent email to Jeanie to see if she agrees to confirm w/ mtg outside plan per AR note. REPLY: Denise Carlon is working on an APOC - should have something filed by late Monday- REPLY - no response form creditor yet 3/19 so work it up per tr rec

AR RESOLVE OR HOLD

As of 3/12/24(mk): needs to make March payment


Debtor rec'd ERMA funds- TR STILL NEEDS AN AMENDED CLAIM FROM MIDFIRST MTG ON POC #13-1 TO REMOVE THE 13,329.68 ARREARS


Plan:$171 X 51; BASE
11/12 payments
Matter ResolvedRequest
Adjourment
1003/20/2024 10:00 am23-12926 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 12 required payments   Arrears: $2,103.00  Total Paid In: $30,123.00
AS OF 3/6/24 (SF)

RECOMMEND $26,742 PTD, $5484 X 49 (BEGIN 4/1/24) 100% PLAN
- PRESERVE NONEXEMPT EQUITY OF $118,553 IN CONF ORDER
- TRUSTEE IS AUTHORIZED TO PAY LATE CLAIM 20-2 FOR US SBA THROUGH PLAN



1. Previous plan confirmed at 100% due to nonexempt equity OF $118,553 in real estate. Current plan proposes a base with min div of $43,977.63. Gucs total $46,924.62. Plan should continue at 100%

2. Modified plan proposes to pay IRS $43,579.74 as priority but there is no priority claim filed with that amount.


Plan proposes $325 x 56 Base
Payments: Current Received: $3600.00




Trustee motion to dismiss scheduled for 3/20/24 at 9

MP proposes $2850 x 5 $0 x 1; $3213 x 4; $4257 x 50 BASE W/MIN $43,937.63 TO GUCS
Plan has run 11 months with 49 months remaining
Arrears: $3573

Matter ResolvedRequest
Adjourment
1013/20/2024 10:00 am23-12999 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
4/3/2024 10:00 am
Debtor has made 12 of 12 required payments   Arrears: $0  
Total Paid In: $15,120.00
3/19: thing feel apart ( w/ debtor x wife) and atty needs 2 weeks to convert to 7 or D


>3/18/24(mk):email from atty: x spouse has now agreed to sign listing agmt. The Realtor has sent out the listing agreement to be resigned by both parties via Docusign as the original listing agreement has already expired. I hope to have the signed listing agreement by tomorrow, so that we can file the Application to Appoint the Broker.
Can we adjourn this one more time so that can be accomplished. The Debtor is current with Trustee payments.

>ALSO:STILL ESTIMATE TAX CLAIM FROM ST OF NJ- CLAIM FILED 1/12/24 for S & U taxes
>CREDITOR OBJECTION BELOW NOT RESOLVED.
> auto insurance expired-

3/18/24(mk): if x spouse still refuses to sell then needs to be dismissed and need to go back to family Ct to compel sale

AR RESOLVE OR HOLD

2/19/24: Objection BY Truman 2021 Trust (Romano):
-debtor seeks to modify Rts of creditor. fails to cure arrears

As of 2/12/24(mk):

STILL ESTIMATE TAX CLAIM FROM ST OF NJ. NEED UPDATE ON LISTING AGMT AND IF EX SPOUSE WILL COOPERATE IN THE SALE OF REAL PROERTY BEFORE THIS CAN BE WORKED


1/16/24(mk) email from atty - wants to confirm sale plan but having difficulty getting ex spouse to sign listing agmt

1/12/24(mk): Updated

THIS IS WORK UP ON MP #47 NOTE: MP #44 was withdrawn then file MP at #47 on 12/11 and That is the plan I will work up as CT did not give #47 a new date as it was in time for 1/17

Modified PLan was shortened to total 36 mos from 60 . and we have a min to gucs balance is $53,411.44 PLUS conf terms provided for non exempt proceeds from sale to TR SO will be a Low base pending sale.

>>NO PROOF OF EFFORTS TO SELL NO REALTOR APPT. NO LISTING AGMT PROVIDED


1. TR Objection:
-Part 9 of MP was blank
-MP has ST Of NJ for 8,699- POC filed 1/11/24 17,947 and considered timely per Order. 12/5/23.

- Plan has Chase Mtg as second mtg in part 4a. There is no claim filed by Claim- STRIKE IT? no mtg statement was provided either
Matter ResolvedRequest
Adjourment
1023/20/2024 10:00 am23-13759 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 11 of 11 required payments   Arrears: $120.00  Total Paid In: $6,451.00
atty says creditor amended POC

issues as of 3/12/2024 (JMA)

1) The modified plan proposes to treat Sunnova TE Mgmt I LLC claim #7 as an arrears cure. However, the claim has been filed as an unsecured claim. The creditor will have to file an amended poc or file a consent order to reclassify the proof of claim.

proposed plan $4,648 paid to date, $668x52 100% plan
paid in $5,840
50 months to go in plan
Matter ResolvedRequest
Adjourment
1033/20/2024 10:00 am23-13831 / CMGMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 10 of 11 required payments   Arrears: $100.00  Total Paid In: $1,000.00
issues as of 3/11/2024 (JMA) - NEED AMENDED PROOF OF CLAIM SHOWING ARREARS PAID

1) Modified plan after confirmation states plan no longer includes loan mod as mortgage arrears have been treated and claim is now unaffected by the plan. The claim filed by secured creditor has not been amended to zero. Order approving loan mod not filed. Need to resolve


proposed plan $100x36 base plan
paid in $1,000
26 months to go
Matter ResolvedRequest
Adjourment
1043/20/2024 10:00 am23-15721 / CMGBrad J. Sadek, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 9 of 9 required payments   Arrears: $18.00  Total Paid In: $3,960.00
AS OF 3/6/24 (SF)


RECOMMEND $3520 PTD, $440 X 52 (BEGIN 4/1/24) BASE PLAN
- ONE MAIN FINANCIAL IS SURRENDERED PER PREVIOUS CONFIRMATION TERMS
- TRUSTEE STANDARD ORDER OF DISTRIBUTION
- ATTORNEY MUST FILE FEE APPLICATION FOR SUPPLEMENTAL FEES WITHIN 14 DAYS



1. Previous plan surrendered Onemain Financial. Now modified plan proposes to pay arrears. Onemain amended their claim to an unsecured deficiency claim. Vehicle was repossessed and sold.

MP proposes $440 x 53 Base - Rejects Sunrun solar panel lease
Plan has run 8 months with 52 months remaining
Matter ResolvedRequest
Adjourment
1053/20/2024 10:00 am23-16024 / CMGPRO SEOrder Vacate Dismissal of CaseContinued
4/17/2024 10:00 am
Debtor has made 7 of 9 required payments   Arrears: $87.00  
adj to try to consult w/ atty


CASE IS 8 MOS OLD- also sent email to PI atty asking if the child support lien/issue was resolved w/ respect to the settlement of the PI case.

3/19/24: ONLY CHNAGE / UPDATE HAS BEEN A PAYMENT OF$ 174 POSTED TODAY which brough him current thru FEB. so march payment is due and no amended sch B & C filed for PI case or motion for retention . A Arrears $43.64 . NOTHING ELSE DONE SINCE MY FEB 21 EMAIL DETAILED BELOW

3/15/24(mk):

NOW we are in March and arrears are $217.64. LAST & ONLY PAYMENT PAY WAS 10/23.
Nothing has been filed paid or done on the case since my 2/21/24 email to debtor and non filing spouse.


2/21/23 Mk: email to debtor -attached forms for retention of professional . snet new plan form for him, attached the car/Santander proof of claim. Instructions for bankruptcy forms off the Ct's website and a blank petition( for his amended schedules) also from the Ct's website. I explained the process of retention of professional for his PI Atty in the body of the email and the need for amended schedules B & C to list the P I case. Also tol him ( as of 2/21) his arrears were 174.31.

pay arrears to Tr- debtor says wife to get tax refund

need amended sch B & C for PI case and PI atty to be retained. need to get the warrant of satisfy the child support lien- retain PI atty debtor says he will get 15,000 after costs

2//20/24(mk): Heard form PI Atty:
I want to make clear that my firm has not yet been sent the settlement proceeds because, under NJ law, neither the Defendant nor their insurance carrier may transmit funds until any child support child liens are dealt with. I received a photograph of an Order today from Ms. Clovis that was entered on 2/7/24 and I have attached it. Honestly, I do not yet understand what it is. When I last ran the NJ child support search on 1/26/24, it indicated that a lien exists. See attached.
I need verification that no lien exists for Mr. James before the Defendant/carrier will
Matter ResolvedRequest
Adjourment
1063/20/2024 10:00 am23-16235 / CMGVera Fedoroff, Esq.Confirmation Hearing ScheduledContinued
4/3/2024 10:00 am
Debtor has made 8 of 9 required payments   Arrears: $631.00  Total Paid In: $6,610.00
AS OF 3/7/24 (SF)

RECOMMEND $5555.50 PTD, $941 X 52 (BEGIN 4/1/24) 100% PLAN W/MIN $136,953 to GUCS PER NONEXEMPT EQUITY IN REAL ESTATE; LOAN MOD BY 4/15/24
- DO NOT PAY ARREARS TO TRUMAN 2021 SC9 TITLE TRUST

Note: Payment increased because more gucs filed claims after case was confirmed but before bar date expired.


Trustee motion to dismiss scheduled for 3/20 at 9


MP proposes $842 x 46 100% Plan; Loan Mod by 4/15/24
Plan has run 8 months with 52 months remaining
Matter ResolvedRequest
Adjourment
1073/20/2024 10:00 am23-16267 / CMGJoseph Albanese, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 7 of 9 required payments   Arrears: $2,065.00  Total Paid In: $14,800.00
3/18 amened workup for the 3/20 calendar EDC

mp filed. To pay creditors per MP it needs a slightly higher payment of

****CONFIRM:
$13,000 paid then $1800 x 1 in March then $2065 x 52 beg 4/1/24 pro rata with min. to unsecured of $1300--use standard trustee order of distribution



** Trustee objection:
-- Excess expenses Schedule J $600/utilities; $220/Sewer; $310/telephone, cell;
$331/miscellaneous; $487/car insurance (insurance statement provided shows monthly
payment of $442.67) OK EDC
-- There is excess income on Line 45 of Form 122c-2 in the amount of $2,682.79 which
requires minimum $160,967.40 dividend to general unsecured creditors
-- The Schedules fail to account for the debtor(s) tax refund in the amount of $3754 when
determining disposable income. OK TO USE I & J



PLAN PAID TO DATE THEN 2033 X 54 BEG MIN 1300 PRO RATA

------------------------
RESOLVED:
-- The debtor has undertaken an improper use of exemption. Specifically: - Debtor used
improper exemption 25 USC 412a on debtors home. AMENDED OK
-- The debtor(s) is not paying all disposable income into the plan---Disposable net income $2,334.22- OK PAYING $2033 NOW
-- there is non-exempt equity $100/electronics; $50/cash; $1,150/TD Bank account
Total non-exempt equity $1,300-TD Bank balance as of 7/17/2023 $2,930.29=MP IS PAYING THIS AMOUNT OK
--Need a Modified Plan that completes Part 5a treatment of unsecured creditors--NEED PRO RATA DUE TO SMALL AMOUNT OF EQUITY IN ACCOUNTS $1300
-Need to file Pre Confirmation Certification with Court
** Wells Fargo (McCalla Raymer) objection to confirmation- need to resolve
pre-petition arrears $105,909.96--CO submitted resolving Wells Fargo objection. TERMS= pay secured claim through plan
Matter ResolvedRequest
Adjourment
1083/20/2024 10:00 am23-16488 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 1 of 4 required payments   Arrears: $0  

mk emaildled Ct to see if minutes could be amended to Dismiss /Hold fees for 3/20

3/20/24(mk) Followup - Tr communicated w/ Ch 7 TR - she does not want case back in a 7- excess income issue - not a assset one so Per AR marked Dismiss/Hold fees


adj to 4/17 for AR to reach out to Ch 7 Tr - we may need motion to reconvert it

need order to re convert back to Ch 7

MK: PER ORDER(#17) CONVERTING CASE FROM CH 7 TO CH 13 CASE CAN'T BE DISMIISSED BUT MUST BE RECONVERTED TO A CH 7


AS OF 3/19/2024 (at):

PER ATTORNEY, DISMISS AND HOLD FEES.

DEBTOR HAS MADE ONE OF THREE TRUSTEE PAYMENTS.

1. Debtor's attorney must file a proof of claim on behalf of Pleasant View Gardens and a motion to allow the late proof of claim.

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Updated pay stubs from January & February when available (case converted from Ch. 7) (NOT RECEIVED)

Plan proposes: $270 x 60 beginning 1/1/2024, base
Payments: 1/3, arrears $540
Matter ResolvedRequest
Adjourment
1093/20/2024 10:00 am23-16784 / CMGThomas G. Egner, Esq.Confirmation Hearing on Modified PlanContinued
4/3/2024 10:00 am
Debtor has made 7 of 8 required payments   Arrears: $250.00  
AR RESOLVE OR HOL*--------
3/11 workup for the 3/20 calendar EDC
-same as last time

CONFIRM AT $1250 PAID THEN 902 X 53 BEG 4/1/24 100% - TRUSTEE WILL ONLY PAY CLAIMS ON MUNICIPAL COURT FINES FOR MUNICIPALITIES THAT FILE A VALID TIMELY PROOF OF CLAIM--OTBS NJDMV WITH 15 DAYS

- - -Proof of income verifies much higher, there is disposable income $2,455, also Schedule I failed to add tax refund $3,886 when determining disposable income. CASE NEEDS TO BE 100% DUE TO DISPOSABLE INCOME. TOTAL GUCS FILED INCLUDING LANDLORD $33,432.13.

MP $250 x 60 pro rata - surrender residential lease


*OBJ TO PLAN BY ATTORNEY GENERAL FOR MVC NEEDS TO BE RESOLVED--OTBS PER EMAIL

--------------
RESOLVED
*Pennsauken Municipal Court filed a $1,001 claim--is trustee paying? YES AS SEPARATELY CLASSIFIED CLAIM PER MP

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


- - -Must resolve NJ Motor Vehicle bifurcated claim, secured $9,867.32 and unsecured $2,175.99, not in plan. RESOLVED

Prop Plan $250 x 60 begin 9/1/23; Base
Matter ResolvedRequest
Adjourment
1103/20/2024 10:00 am23-16906 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 8 required payments   Arrears: $123.00  Total Paid In: $2,072.00
AS OF 3/19/24 (SF) UPDATED- atty ok to terms(mk)

RECOMMEND $1,776 PTD, $419 X 53 (BEGIN 4/1/24) BASE PLAN

1. Trustee objection

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $1,000/month for life insurance (INSURANCE COST IS $180.96)

Need statements for all 4 life insurance policies on Schedule B (STILL NEED) PER ATTORNEY, ALL POLICIES WERE CANCELLED EXCEPT FOR ONE. REDUCED EXPENSES BY $819.04. DISPOSABLE INCOME IS NOW $1117.54 BUT THERE IS SOCIAL SECURITY INCOME.


Plan proposes $296 x 60 Base
Payments: 6/7 Arrears: $296

RESOLVED ISSUES:
- The debtor has failed to provide proof of service with respect to Plan Motion (s). (OBJECTION FILED)
- Need proof of insurance for the 2013 Toyota. Uploaded- 11/13/23
- Objection filed by Portfolio Recovery Associates (Fissel) - objects to cram and failure to provide for adequate protection payments- mk; atty says working on resolving this - only a little off on the dollars- may need appraisal or will agree to creditor to #s (OTBS, NEED DETAILS) MK: ORDER SUBMITTED 3/8/24. Terms= pay 11,400 interest for total $14,281.87 thru plan

- IRS filed estimated priority claim 1-1 (NEED AMENDED CLAIM)mk: working on this w/ H & R Block and her so- taxes were filed- being sent to IRS- 2/21:MK: taxes all filed- mk: APOC FILED- priority fixed at $3,163.58

AR RESOLVE OR HOLD
adj 3/20 PEREMPTORY for APPOC IRS and Order on #1
Matter ResolvedRequest
Adjourment
1113/20/2024 10:00 am23-17399 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 8 required payments   Arrears: $1,300.00  Total Paid In: $5,450.00
3/19 amended workup for the 3/20 calendar

PER THE TRUSTEE COMPROMISE RECOMMEND CONF AT:

***$3850 PAID THEN $2900 X 53 BEG 4/1/24-PRO RATA--- Student loans to be treated outside.-- Fee app within 7 days.---Use standard order of distribution---Debtor shall file a certification in 90 days regarding the marital separation status----Any fees above $7500 to attorney shall raise the base payment



3/5/24 mk: Order resolving New Rex( Hill W.) obj to conf submitted: terms= Pay POC 11-1 $41,223.31 thru plan


-- atty filed cert. regarding separation but it only states that the wife is planning on leaving. According to cert the wife is still in the home. Also, need to explain the increase in expenses..Gillman new 3/4 email now claims wife isn't working again but no new cert filed EDC

2/26 Workup for the 3/6 calendar EDC

MP on for 2/21= $450 X 5; $1600 X 55; (N/E FROM PI CLM); BASE

* Trustee objection:

-- The amended schedules show that the debtor and his wife are separated but the schedules show an increase in many expenses such as and increase of $150 for clothing, $75 for personal care, $90 for medical and $150 for home maintenance and a brand new expense of $100 monthly for charity. The total increase of these expenses is $565 monthly to the budget. The debtor must explain reason for this large increase since the filing of the case on 8/25/2023.

-Per Gillman Spouse income not included because they are separating--NEED CERTIFICATION FROM DEBTOR EDC---- atty filed cert. regarding separation but it only states that the wife is planning on leaving. According to cert the wife is still in the home. EDC

As of 11/8/23 (DS): 1. Debtor's certification to Trustee obj states spouse began working late Sept., no amended Sched I filed and no proof of income provided. Cert also states Debtor to begin health insurance coverage on 8/2023, pay stubs not provided. Line 25 takes $831 for health insurance. --USE I & J-NEED CERT REGARDING SEPARATION

--Need pay stubs from Debtor a
Matter ResolvedRequest
Adjourment
1123/20/2024 10:00 am23-17725 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0  

adj to 4/17 to be on w/ motion - PREEMTORY - Resolve or D

AS OF 3/12/24 (SF)

DUE TO HIGHER CLAIMS FILED, THE PLAN IS NOT FEASIBLE (Plan proposes a base of $12,000 and claims total over $358,000)


1. Objection filed by Grassy Sprain Group (McDowell) - failure to provide for payment of judgement claim in the amount of $50,912.56 through the plan

2. State of NJ filed estimated priority claim 19-1 (NEED AMENDED CLAIM)

3. State of NJ filed secured claim 19-1 in the amount of $49,201.13 which is not addressed in plan. PLAN IS NOT FEASIBLE

4. State of NJ filed secured judgement claim 23-1 in the amount of $180,413.32 which is not addressed in plan. PLAN IS NOT FEASIBLE

5. Trustee objection:

- The debtor has insufficient income. Disposable income verifies $ -265.83, no income from
Debtor.

- The debtor has failed to file a feasible plan - that can pay all secured/unsecured priority claims.

- The current Plan does not specify treatment of tax claims and secured/judgment liens
filed and not in plan: US Dept of HUD (no arrears, but not in plan), State of NJ taxes $49,201.13 secured and priority $13,000 (estimated), Grassy Sprain $50,912.56 (judgment) and State of NJ workers comp $180,413.32 (judgment).

- Need profit and loss for debtor for July - Sept 2023


Plan proposes $200 x 60 Base
Payments: 6/6


RESOLVED ISSUES:
- Objection filed by Pennymac Loan (Lebron) - failure to provide for payment of arrears in the amount of $3102.78 through the plan. (LOAN MOD COMPLETED)

- IRS filed priority claim in the amount of $511,730.05 which is not addressed in plan and makes plan infeasible.
(RESOLVED VIA CONSENT ORDER SUBMITTED: $39,200 THRU PLAN AS PRIORITY AND NONDISCHARGEABLE BALANCE OF SECURED, PRIORITY AND UNSECURED TO BE PAID OUTSIDE AT END OF BANKRUPCY CASE

The current Plan does not specify treatment of tax claims and secured/judgment liens
filed and not in plan: IRS $511,730.05, priority (claim estimated), Pennymac arrears
$3,102.78,

- Motion to Approve
Matter ResolvedRequest
Adjourment
1133/20/2024 10:00 am23-17833 / CMGMelinda D Middlebrooks, EsqOrder Vacate Dismissal of CaseContinued
4/17/2024 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $7,000.00  
AS OF 3/18/24 (SF) UPDATED- Attorney would like one more adjournment for debtor to make payments. Waiting for Adjournment request form.

CASE IS 6 MOS OLD - NOT CURRENT WITH PAYMENTS. ARREARS: $10,500

1. Motion for Relief just filed by PHH Mortgage scheduled for 4/17 at 9

2. State of NJ filed estimated secured claim 3-2 (NEED AMENDED CLAIM) (RESOLVED VIA CONSENT ORDER)

3. Trustee Objection:

- The debtor has insufficient income

- Need to provide Wells Fargo acct #5798 for August and July 2023

-There is $39,874 non-exempt equity in house (100% Plan.)


Plan proposes $3500 x 60 100% Plan; Loan Mod in 6 months (Loan mod is removed per order resolving objection)

Payments: 3/6 Arrears: $10,500


RESOLVED ISSUES:
-Need to file Pre-Confirmation Certification with Court (FILED)
- Objection filed by Deutsche Bank (Jennings) - The Plan proposes to cure the pre-petition arrears via a loan modification, however a loan modification was recently denied on April 25, 2023 due to the account having already been modified the maximum amount of times by Owner. As such, only a short sale or deed in lieu of foreclosure. (OTBS TO PAY ARREARS) pay arrears, loan mod is removed
Matter ResolvedRequest
Adjourment
1143/20/2024 10:00 am23-17930 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 7 required payments   Arrears: $0  
Total Paid In: $34,570.00
As of 3/15/24 (DS): Ok to confirm at $24,180 paid, $10,390 x 54 begin 4/1/24; 100% to gucs with a minimum dividend $86,444.68;
- Must file fee app within 7 days.
- Must file Pre-confirmation certificate within 7 days.

atty says March payment is paid - motion will be resolved - St returns were sent

3/6/24 (DS): 1. ISSUES REMAIN UNRESOLVED:
- Need business forms for Debtor and POI from SSI for son. TOTAL DISPOSABLE INCOME VERIFIES $8,719, PLAN PROPOSE $10,390 MONTHLY.
- Need service to creditor in Plan motions. SERVICE DONE 3/1/24, WILL NEED TIME TO ALLOW CREDITOR TO BE SERVED.
- PHH Mortgage, need order that resolves obj, still not on docket. PER NOTES DEBTOR TO GET CURRENT FOR FEB. NO ADDITIONAL ARREARS OWED.
- Must file Pre-confirmation cert.
- NEED PAYMENT FOR MARCH. MADE 3/12/24.

2/21/24 (DS): 1. MFR filed by mortgage, sched 3/6/24. Need outcome. OTBS

2. Mod plan removes loan mod and proposes to pay mortgage arrears, but plan is not feasible due to disposable income $981.33, plan propose $10,390 x 56 months. DEBTOR HAS SENT COPY OF CK FOR 1ST PYMT $10,390 FOR FEB. NOT POSTED AS OF 2/20/24- WHERE ARE SOURCE 0F FUNDS FROM?

3. BELOW ISSUES REMAIN UNRESOLVED.

As of 12/5/23 (DS): Debtor atty requested adjournment to file a mod plan

12/6/23 (DS): 1. No Trustee payments made, arrears $2,550, made 0 out of 3. PROOF OF PAYMENT PROVIDED CERTIFIED CHECK DATED 12/1/23 FOR $1,700

2. Trustee obj to the following:
- There is non-exempt equity $86,469.68 in real property. PLAN PAYS 100%
- Must resolve creditor objection.
- Must file Pre-confirmation certificate.

3. PHH Mortgage/Deutsche (ALEISHA JENNINGS) obj to loan mod is speculative and not offered. Obj must be resolved. MOD PLAN REMOVES LOAN MOD AND PROPOSE TO PAY ARREARS.

4. Need fee app within 7 days from confirming.

Prop Plan $850 x 4 begin 10/1/23; $10,390 x 56; 100%
Note: Mod plan propose to pay IRS, State of NJ and mortgage arrears and removes other 3 creditors, but places t
Matter ResolvedRequest
Adjourment
1153/20/2024 10:00 am23-18134 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 7 required payments   Arrears: $0  
Total Paid In: $1,400.00
ISSUES AS OF 3/13/2024 (DM):

***TRUSTEE RECOMMENDS CONFIRMATION AT $1,200 PTD, THEN $200 x 54 STARTING 4/1/24, BASE PLAN***

1) Trustee OBJ:
- Debtor has insufficient income - negative disposable income.
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $200 x 60, Base Plan.
PTD 6/6 = $1,200
Last Claim (7-1)
Matter ResolvedRequest
Adjourment
1163/20/2024 10:00 am23-18152 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 1 of 7 required payments   Arrears: $5,225.00  
adj to 5/1 to see if LM is approved

3/14/24(mk): Lender( K Borger sending #s to AMT today for draft Conduit order. once i have that can work case up to be consistent w/ order terms

Need conduit numbers for 2/21 MRF so we are consistent before this can be worked up

per AR- prior filings- needs Conduit- will send out info
Ken B is ok to conduit and debtor is too

Both bar dates have passed and need to strike the per plan claim of Barnegat Tship water and sewer for $661.

----------

2/26/24(mk):

NEED ANSWERS TO OBJECTIONS BELOW

1. MFR on 2/21/23 by PHH MTG.( MK OTBS- debtor to remain current- pay post pet into plan- debtor does not object to conduit)

2. Motion to Approve Loss Mit 2/21/24( GRANTED)

3. Objection by US Bank(RAS): Note: motion for Loss mit was granted
-3rd filing and LM not offered


Plan:$500 x 6 begin 10/1/23; $3,250 x 54; Base and Loan mod on Alexander Dr by 4/1/24
5/5 payments

--------------------RESOLVED-------------------------------
> Trustee Objection: ATTY SAYS OK TO PAY THESE
ARREARS CLAIMS FILED BY:
Consumer portfolio $435.97
Tidewater $541.32
Ally Capital $53.69
Plan has all as unaffected- OK TO PAY THESE?
Matter ResolvedRequest
Adjourment
1173/20/2024 10:00 am23-18346 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $500.00  Total Paid In: $3,000.00
3/11 workup for the 3/20 calendar EDC

$500 x 60 beg 10/1/23 100% due to $7606 in equity--Trustee will not pay Nationstar claim 14-1 due to the loan modification--trustee will pay Carvana and Ally arrears claims

Motion to Approve LM w/ Mr. Cooper on Compass Lane filed- obj deadline 3/18/24


2/26 workup for the 3/6 calendar EDC

1) Nationstar Mortgage LLC (RASC) objection to confirmation - need to resolve
-loan mod has not been offered or approved
-not feasible insufficient income
2) Trustee objection to confirmation - need to resolve
- Domestic Support Obligation information ( WAS UPLOADED)

proposed plan $500x60 100% plan with loan mod by 4/1/2024
paid in $1,500
arrears $500
last claim 14

-------------------
resolved:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,728 when determining disposable income. OK 100%
- 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 $7,906 non-exempt equity in debtors house (100% PLAN).
Matter ResolvedRequest
Adjourment
1183/20/2024 10:00 am23-18384 / CMGScott E. Kaplan, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 0 of 7 required payments   Arrears: $60,000.00  
4/25/24 for 341 I & MP filed #33

341 not held 12/14/23 AND 3/7 still missing docs.( Photo ID & Soc Sec card)

PLAN CALLED FOR SALE AND LUMP SUM PAYMENT TO PAYOFF PLAN BY APRIL- has K and sale by 5/14/24

MK: WE ARE ONLY MIISSING Photo ID( upload error) and THE DEBTOR'S SOC SEC CARD( nothing uploaded has his # on it) FOR THE #- he lost it and has been trying to get a replacement. (mk: emailed atty the UST forms of acceptable Social Sec # proofs)

3/18/24 email from atty says :still trying to get the replacement card.
I filed a modified plan on Friday which calls for a 100 percent plan & a paymt of at least $60000 plus to the trustee by the end o f5/2024. Debtor's home is under contract & the motion to approve the sale is returnable 4/3/24. He's made trustee paymts every month & is up to date. I honestly don't know what else I can do other than to hope he receives a copy of his social security card in the next few days. He's at the mercy of social security & those people who seemed to have changed considerably in the last few years, are asleep at the wheel & just don't care. The debtor is acting in good faith & is at wits end as am I


Matter ResolvedRequest
Adjourment
1193/20/2024 10:00 am23-18403 / CMGBrad J. Sadek, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 2 of 7 required payments   Arrears: $0  

As of 3/11/24(mk):

2/ 6 payments: Arrears $1,000. Last pay was 12/28/23

2. Trustee Objection: atty has no obj to value of b'ness
-Need Amendments to Schedules B and C to add value of
business $133,258 minus the loans owed and equity would be $31,568.18.
- not paying all dispos income into plan: income verifies
higher, there is disposable income $ 1,945.
-There is estimated non-exempt equity in business assets
$31,568 (pending amended Sched B and C) (According to
business forms provided from Schmidt Baking, Debtor
business valued $133,258, minus the loans total
$101,690.
- need Amendment to Schedule I to add Co-debtor
employment, per proof of recent income
provided from 8/20/23 to 10/6/23, Co-debtor begin
working. Schedule I has employed,
but no info and no income added.
- need pre conf cert



Plan:$250 x 60 begin 10/1/23; Base
2/6 payments
Matter ResolvedRequest
Adjourment
03/20/2024 10:00 am23-18533 / CMGJoseph Casello, Esq.Confirmation Hearing ScheduledContinued
4/3/2024 10:00 am
Debtor has made 3 of 7 required payments   Arrears: $4,000.00  
As of 1/11/24 (DS): Debtor atty requested extended adjournment due to out of office, per AR ok to adjourn.

As of 1/11/24 (DS): Debtor atty requested adjournment to resolve duplicate claim issues, per Trustee ok to adjourn to 60 days.

As of 12/14/23 (DS): Debtor atty requested adjournment to resolve all issues.

As of 12/13/23 (DS): 1. Debtors are in arrears $2,000, made 1 out of 3 payments. Trustee obj to income insufficient. DEBTOR NEEDS TO SIGN UP FOR TFS AUTOPAY OR EWAGE.

2. Trustee obj to the following:
- CASE 109(E) ISSUE, DEBT LIMIT $2.75 MILLION: TOTAL UNSECURED CLAIMS FILED $3,768,553.58, NOT INCLUDING SECURED CLAIMS $41,854.98 TOTAL $3,810,408.56.
- Need 2022 tax returns, 2 months bank statements from Kearney Bank and Blue Foundry Bank prior to filing date, Timeshare info and HUD statement for 2020 house sale in Little Silver.
- After recalculating Debtors income there is disposable income $3,778.
- Excessive expenses on Sched J: Rent $5,750, Electicity/heat/gas $600, Medical $500, Car insurance $700 (pays for their adult children). MUST PROVIDE PROOF OF EXPENSES 10 DAYS BEFORE CONF.
- There is non-exempt equity in 2019 Kia $2,415.38 and in Timeshare there is $17,472.41 and estimated in bank accts pending statements..
- SOFA has lawsuit for fraudulent transfer is pending. Debtors and Holmdel Financial Services are named as defendants. Several unsecured claims filed causing the case to be over 109(e) limit, 3 seem to be duplicates each $198,000 and one for $2,699,488.38.
- Must resolve creditor objections.
- Must file Pre-confirmation certificate.

3. United Teletech (MCKENNA DUPONT) obj to arreara owed, POC with arrears $1,217.

4. Ally Capital arrears claim $364.05, Plan has outside, needs to be paid.

Prop Plan $1,000 x 36 begin 10/1/23; Base
Note: Recalculated Debtors income and income is no longer insufficient, disposable income verifies $3,778,
Matter ResolvedRequest
Adjourment
1203/20/2024 10:00 am23-18587 / CMGJoseph Albanese, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 3 of 7 required payments   Arrears: $1,833.00  
AS OF 3/18/2024 (at):

RECOMMEND: $5,000 PAID TO DATE, $2,000 x 54 BEGINNING 4/1/2024, BASE
- Claims will be paid according to the trustee's order of distribution.
- Non exempt proceeds from personal injury law suit are to be turned over to the trustee.
- Student loans will be paid outside of the plan.
- Trustee shall pay Wells Fargo Bank, Claim #13 a secured claim in the amount of $759.45. The unsecured portion in the amount of $3,123.64 shall be paid pro rata with other general unsecured creditors pursuant to the terms of confirmation.

1. Capital One Auto filed a secured arrears claim #9 in the amount of $1,180.74 for a 2018 Toyota which is not in the plan. Is the debtor going to pay this claim? (MOD PLAN PAYS)

2. Carvana filed a secured arrears claim #14 in the amount of $1,110.00 for a 2019 Dodge which is not in the plan. Is the debtor going to pay this claim? (MOD PLAN PAYS)

3. Wells Fargo Bank/Value Furniture filed a bifurcated claim #13 which is not in the plan and needs to be resolved. (MOD PLAN PAYS SECURED PORTION WITH INTEREST TOTALING $759.45)

4. Objection filed by Lakeview Loan Servicing (McCabe Weisberg) - failure to cure anticipated arrears of $1,063.24. No claim filed yet. (RESOLVED DEBTOR TO PAY $1,802.75 THROUGH THE PLAN.)

5. Trustee's objection:
- A Modified Plan that pays student loans outside of the plan per Schedule J expenses. (MOD PLAN NOT FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$450/month for utilities
$420/month for cable/internet/phone
$900/month for food & $145/month for pets
$576 & $570/month car payments
$703 & 100/month for student loans (need proof these are being paid)
$309/month for birthdays/emergencies
$454/month for needed repairs (RECEIVED ESTIMATES FOR HOME IMPROVEMENTS)
$350/month additional medical expenses
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 th
Matter ResolvedRequest
Adjourment
1213/20/2024 10:00 am23-18598 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0  
Total Paid In: $2,400.00
ISSUES AS OF 3/13/2024 (DM): updated 3/19/24.

***TRUSTEE CAN RECOMMEND A LOW BASE PLAN PENDING SALE AT $2,000 PTD, THEN $400 x 55 STARTING 4/1/24, 100% PLAN WITH $41,713 THRESHOLD PRESERVED, SALE OF EAST BAY AVENUE PROPERTY BY 8/15/24 WITH NON-EXEMPT PROCEEDS TO THE TRUSTEE, THE TRUSTEE SHALL MAKE PAYMENT ON US BANK POC (2-1) AND BANK OF NY MELLON POC (4-1) PENDING THE SALE***

 MFR filed by Selene/US Bank Trust, debtor has not made payments since 11/1/23 (CONSENT ORDER ENTERED TO CURE PP ARREARS BY SALE NO LATER THAN 8/15/24 - does this also resolve confirmation objection? - Yes, per RAS.)

1) US Bank Trust -1st mtg (RAS) OBJs - $94,891.42 arrears and sale is speculative (MFR ORDER RESOLVES THIS OBJ.)

2) The Bank of NY Mellon -2nd mtg (GROSS POLOWY) OBJs - $10,156.67 arrears (OBJ WITHDRAWN 2/6/24 - TRUSTEE WILL PAY ARREARS PER POC.)

3) Trustee OBJ:
- Insufficient income - negative disposable income.
- Need to add non-exempt proceeds from sale of real property to Trustee.
- Property value appears to be higher that the value proposed by the debtor. Debtor's comps are outdated. Trustee shows a value of $533,200 which would yield equity of $27,097. Unsecured creditor claims total $3,755.12. A 100% plan seems warranted. PER LISTING AGREEMENT PROVIDED, PROPERTY IS SELLING FOR $550,000. THERE WOULD BE NON-EXEMPT EQUITY $41,713.72.


Prop. Plan $400 x 60, Base Plan.
- sale of East Bay Ave by 10/1/24.
PTD 5/5 = $2,000
Last Claim (4-1)
Matter ResolvedRequest
Adjourment
1223/20/2024 10:00 am23-18866 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 6 required payments   Arrears: $1,849.00  Total Paid In: $9,245.00
3/15 Workup for the 3/20 calendar EDC

$1849 x 60 beg 11/1/23-pro rata-trustee to receive non-exempt malpractice proceeds

MK: atty has proof of 2 payments TFS- working on complex tax issue = Amazon filed w-2 in error. LIABILTIY COVERAGE PROVIDED


* Trustee objection to confirmation - need to resolve
- Proof of 2 month's income - for Nov. and Dec. from co-debtor's new employment.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Childcare $1,339. Sched J does not list age of son and tax refunds does not show any childcare expense. Must provide proof of childcare expense 10 days prior to confirmation.
- Add to confirming order non-exempt proceeds from Malpractice lawsuit to Trustee.

proposed plan $1,849x60 base plan
paid in $0
arrears $3698
last claim 12
----------------------
RESOLVED:
- A copy of the homeowner's insurance renewal declaration - which provides personal liability coverage (insurance provided does not show this coverage). mk: PROVIDED 12/25 - COVERAGE IS THERE
2) New Rez LLC d/b/a Shellpoint Mortgage Servicing (McCalla Raymer) objection to confirmation - OBJECTION WITHDRAWN
-arrears $3,164.66 - PROOF OF CLAIM FILED, ZERO ARREARS
Matter ResolvedRequest
Adjourment
1233/20/2024 10:00 am23-18960 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $1,500.00  
atty has not heard from client - needs to reivew


AS OF 3/11/2024 (at):

RECOMMEND: $6,000 PAID TO DATE, $3,000 X 22 BEGINNING 4/1/2024, $3,400 X 33 BEGINNING 2/1/2026, BASE
Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
Preserve non exempt equity of $118,636 in real estate.
Need to file Pre-Confirmation Certification within 7 days of confirmation.

Trustee's objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$300/month for home maintenance
$600/month for utilities
$575/month for cable/internet/phone
$729 & $710/month car payments
$404/month for storage unit
$569/month for 457b retirement loan repayment
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 $3,569.80.
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- Need a statement for the non filing spouse's 401k loans. (2 of them) (RECEIVED - ADDITIONAL $400/MONTH BEGINNING 2/2026)
- A copy of the last filed tax return - 2022 for non filing spouse. (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 $118,636 in non exempt equity in the residence. (LANGUAGE ADDED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan. (LANGUAGE ADDED)
Need a statement for the debtor's pension loan.

Plan proposes: $1,500 x 30 beginning 11/1/2023, $3,000 x 30 beginning 5/1/2026, base
Payme
Matter ResolvedRequest
Adjourment
1243/20/2024 10:00 am23-19143 / CMGBrian S. Thomas, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 5 of 6 required payments   Arrears: $800.00  
3/12/24(MK) MP FILED AND ON FOR 4/17/24- I AM MARKING THIS PLAN AS PLAN DENIED AND HEVE LET THE ATTY KNOW


AS OF 3/11/2024 (at):

NEED TO RESOLVE OBJECTION BY MIDFIRST IN ORDER TO CONFIRM.

1. Objection filed by Midfirst Bank (KML) - failure to cure full arrears of $9,875.96. (Per POC). (UNRESOLVED)

2. Trustee's objection:
- 22c-1 deducts expenses Line 13 for credit cards $740, Timeshare $300 (luxury item and should be surrendered) and misc. $226 (not allowed).
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s):
- Proof of income verifies higher and when deducting excessive expenses. There is estimated disposable income of $3,480.
- The current Plan does not specify treatment of Hilton Resorts under the Plan.

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- Domestic Support Obligation information (RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- 2 car payments $804 and $540 and a motorcycle payment $250, electricity/gas/heat $650,
tele/cell/internet $850, auto insurance $630 and spouses bills $1,266. (RECEIVED CERT RE EXPENSES)
- Updated auto insurance for 2022 Mercedes, insurance expires 12/24/23 (RECEIVED)
- Need 2 months (Sept & Oct) bank statements from Wells Fargo savings acct prior to filing date. (RECEIVED)

Plan proposes: $800 x 60 beginning 11/1/2023, base
Payments: 4/5, arrears $800
Matter ResolvedRequest
Adjourment
1253/20/2024 10:00 am23-19177 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 6 required payments   Arrears: $0  
Total Paid In: $2,312.00
ISSUES AS OF 3/13/2024 (DM): updated 3/18/24.

***To resolve disposable income objection, TRUSTEE RECOMMENDS CONFIRMATION AT $1,075 PTD, THEN $1,237 x 43 STARTING 4/1/24, 100% PLAN WITH $93,400 THRESHOLD PRESERVED, ATTORNEY FEE BALANCE SHALL BE SET UP AT $3,350 IN ACCORDANCE WITH ATTORNEY DISCLOSURE STATEMENT, PRE-CONFIRMATION CERTIFICATION SHALL BE FILED WITHIN 14 DAYS***

1) Wilmington Savings Fund Society (RAS) OBJs - $6,227.56 arrears (ORDER SUBMITTED.)

2) Trustee OBJ:
- Debtor has insufficient income (UPDATED P&L STATEMENT PROVIDED SHOWS $2,051 MONTHLY INCOME AND THAT INCREASES DISPOSABLE NET INCOME TO $2,052.)
- Need proof of income for non-filing partner. Note that ex-husband moved back into the house (RECEIVED.)
- Need amended Sch J to include mortgage expense (UNRESOLVED.)
- Need amended Sch I to include ex-husband income (UNRESOLVED.)
- Excessive Expenses: $897 car payment.
- There is $89,702 non-exempt equity in the business and equipment.
- There is $3,698 non-exempt equity in the bank accounts.
- Need to file Pre-Confirmation Certification (UNRESOLVED.)
- Attorney fees in the plan and the Disclosure Statement do not agree (UNRESOLVED.)

Note - debtor business Studio4Body Inc. is operated in NY, while ex-husband business StudioForBody NJ LLC is operated in NJ (dm)

***RESOLVED ISSUES***

A) State of NJ, Division Taxation filed POC (8-1) with priority claim estimated for 2020 and 2021 taxes, unsecured claim estimated for 2017, 2017 and 2019 taxes (AMENDED.)


Prop. Plan $215 x 60, Base Plan
PTD 5/5 = $1,075
Last Claim (8-2)
Matter ResolvedRequest
Adjourment
1263/20/2024 10:00 am23-19446 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 3 of 6 required payments   Arrears: $1,154.00  
3/30/24: needs time to resolve tax issues/ claims and get current- PEREMPTORY- EWAGE for terms

3//14 Workup for the 3/20 calendar EDC

** Trustee objection to confirmation - need to resolve
- The Schedules fail to account for the debtor(s) tax refund in the amount of $213 when determining disposable income.
- Need to file Pre-Confirmation Certification.
** IRS priority claim estimated for 2021 taxes - STILL NOT RESOLVED
** State of NJ priority claim estimated for 2021 taxes - STILL NOT RESOLVED

proposed plan $389x60 begin 11/1/2023 base plan
paid in $780
arrears $776
last claim 5
----------------------
RESOLVED:
1) Santander (Morton) objection to confirmation - RESOLVED, ORDER SUBMITTED, PRE-PETITION ARREARS $2,048.40, POST-PETITION ARREARS $2,393.40
Matter ResolvedRequest
Adjourment
1273/20/2024 10:00 am23-19511 / CMGMoshe Rothenberg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 6 required payments   Arrears: $881.00  Total Paid In: $2,800.00
As of 3/18/24 (DS): Ok to confirm at $2,800 paid, $881 x 55 begin 4/1/24 - 100% to gucs Non-modifiable, due to non-exempt equity $39,379;
- Student loans to be treated outside.
- Trustee standard order of distribution.
- Trustee ok to pay claim#3-1 of Santander arrears $444.34 and claim#20-2 of NewRez arrears $118.25.

atty says 2015 acura - 2017 chrysler- uploaded needs MP for 100% std loan outside MP IN 14 days

1/17/24 (DS): 1. Trustee obj to the following:
- Need bank statements from Wells Fargo checking acct#0138 and #3272 for Sept and Oct 2023 (prior to filing date) and valuation on both cars (2015 Acura RDX and 2015 Chrysler 200). NONE PROVIDED.
- Amended Sched B and C to change 2017 Acura MDX to 2015 Acura RDX (POC filed and auto insurance provided) NOT FILED and add 2 additional Wells Fargo checking accts #0138 & acct #3272, shown on Wells Fargo acct#4703. NO AMENDED SCHED A/B AND C FILED
- Need a mod plan that list student loans to be treated outside, treatment of Santander (2015 Acura RDX) arrears owed $444.34, propose min. div. per 22c $86,762 to gucs and add Trustee standard order of distribution. MOD PLAN FILED
- Excessive expenses on Sched J: Home maintenance $450, Hulu $90, Transportation $1,000 and Student loans $1,000.
- Schedules fail to account for Debtor's tax refund of $2,573 when determining disposable income, there is disposable income $1,223.
- There is non-exempt equity in real property $16,221, timeshare $22,533, Jewelry $625, vehicles (pending valuations) and bank accts (pending statements). NON-MODIFIABLE

Prop Plan $700 x 60 begin 11/1/23 100%
Matter ResolvedRequest
Adjourment
1283/20/2024 10:00 am23-19569 / CMGScott J. Goldstein, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 6 required payments   Arrears: $3,203.00  
MP filed and on for 5/1/24- This plan is DENIED

NS- 2nd call


updated 3/18/2024(JMA) adjournment denied
issues as of 3/11/2024 (JMA)

plan is not feasible as the debtor needs a payment of $3,203/month and only $2,332.44 disposable net income.

1) Trustee objection to confirmation - need to resolve
- A Modified Plan that removes Select Portfolio on Section 4a twice.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. 1325(a)(4): There is non-exempt equity in real property $59,615.50 and TD Bank $1,000.27

2) Not current with Trustee plan payments, arrears $2,225

proposed plan $2,225x60 begin 11/1/2024 100% plan
paid in $8,900
arrears $2,225
last claim 10

RESOLVED ISSUES:

- The debtor has insufficient income; disposable income verifies $1,632, still missing contribution letter of $400. PROVIDED 3/5/2024
- The debtor has failed to supply the Trustee with the following document (s): Income contribution affidavit PROVIDED
Matter ResolvedRequest
Adjourment
1293/20/2024 10:00 am23-19586 / CMGEugene Roth, Esq.Confirmation Hearing ScheduledContinued
4/3/2024 10:00 am
Debtor has made 1313 of 6 required payments   Arrears: $0  
Total Paid In: $370,235.00
3/12/24(mk); email to atty - going to adj. to after closing.

3/12/24(mk) DID SALE CLOSE? Per atty looking to close before end of this week - will sent Hud when done

>>AMENDED ORDER FOR SALE ENTERED 3/8/24- SAYS SALE AUTHORIZATION WILL EXPIRE 30 DAYS FORM DATE OF ORDER>>

AS of 2/14/24(mk):email to atty- sale was delayed - underground tank expect to close before deadline will prob request adj of conf to after closing expected by 3/2

1. Tr Objection:
must file pre conf cert


Plan:$282 X 36; SALE 6MO (2101 RIVER RD); 100%
4/5 payments


-----------Resolved------------------
proof of service plan motions filed
NE equity in real property $848,377 (WILL PROTECT T/H IN TEMS- PLAN IS 100%
$300,000 in non exempt equity in Elite Investors Inc

> Objection by Pine Valley(Honig): SAYS HAS CO TO RESOLVE THIS - HAS THAT ORDER BEEN SUBMITTED?
- tax sale lien on Brick prop MK 2/20/23- ORDER SUBMITTED- SAYS OBJ RESOLVED AND DEBTOR WILL PAY POC 12,795.41 IN FULL THRU PLAN







Matter ResolvedRequest
Adjourment
1303/20/2024 10:00 am23-19613 / CMGMark N. Glyptis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 6 required payments   Arrears: $1,730.00  Total Paid In: $6,300.00
atty agrees to terms(mk)

ISSUES AS OF 3/13/2024 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $4,750 PTD, THEN $1,640 x 56 STARTING 3/1/24, 100% PLAN***

 MFR filed by mortgage - Debtor owes 3 post-pet payments (CONSENT ORDER ENTERED.)

1) Trustee OBJ:
- Need to resolve IRS and State of NJ estimated tax claims (BOTH AMENDED.)
- Need amended Sch B/C to add PNC Bank acct#1844 - has $3,916.73 (AMENDED.)
- Need statements from Trenton Fire Credit Union for Sept & October.
- Need to file Pre-Confirmation Certificate (FILED.)
- There is $2,458 disposable income - plan pays 100%.
- Schedules fail to add tax refund.


Prop. Plan $1,550 x 5, $1,620 x 55, 100% Plan
PTD 3/5 = $4,750
Last Claim (4-2)
Matter ResolvedRequest
Adjourment
1313/20/2024 10:00 am23-19627 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 5 of 6 required payments   Arrears: $0  

3/19/24(sf) - Per atty, ok to dismiss/hold fees

3/15 workup for the 3/20 calendar EDC

**NOT FEASIBLE-NEED TO D
* Trustee objection to confirmation - need to resolve
- The debtor has insufficient income to pay huge IRS claim- Needs $2500 going forward.ppsd payments are 150 p/m

- The debtor has failed to supply the Trustee with the following document (s): Proof of 2 month's income - for job at Kindercare. DEBTOR NO LONGER WORKS AT KINDERCARE LAST DAY OF WORK 8/8/2023

- Need September and October bank statements for Capital One checking account. PROVIDED SEPTEMBER STATEMENT, ACCOUNT IS NEGATIVE AND AN OCTOBER STATEMENT WAS NOT PROVIDED TO THE DEBTOR

There is $12,329 in non-exempt equity in the vehicles.

- Need to file Pre-Confirmation Certification. NOT FILED TO DATE

- identify the owner per title of the 2014 VW Passat - THIS VEHICLE IS ON THE CAR INSURANCE FOR COVERAGE. THE VEHICLE IS NOT ON SCHEDULES. RETAIL INSTALLMENT AGREEMENT IS IN THE NAME OF A COVERED DRIVER ON THE DEBTORS INSURANCE POLICY

proposed plan $150x60 base plan
paid in $450
last claim 16
----------------------------
resolved
1) IRS priority claim in the amount of $99,829.73, not treated in plan - need to resolve DEBTOR REACHED OUT TO IRS TO RESOLVE
Matter ResolvedRequest
Adjourment
1323/20/2024 10:00 am23-19743 / CMGAndrew Thomas Archer, Esq.Order Vacate Dismissal of CaseContinued
4/17/2024 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $867.00  
atty says he has a payment and sending in a payment. Needs to resolve estimated tax claim- told atty debtor needs to register for TFS

AS of 3/11/24(mk):

2/4 payments Arrears $1,734

1. St Of NJ ESTIMATED CLAIM- no returns for 2020 and 2021

2. Trustee obj:
- Statement of Financial Affairs #15 shows loss of $50,000 in 2022. Review of bank
statements provided shows debtor is still gambling.
There is $30,597 non-exempt equity in debtor's home. PLAN CANNOT BE 0% NEEDS TO BE 1005 CUC CLAIMS TOTAL IS $5,742.53
- debtor needs to register for TFS payments


Plan: $867 X 60 BEG 12/2023; 0%
2/4 payments

----------RESOLVED--------
- Need information on the estate of the debtor's father (passed away in 2018 without a
Will) including what property the estate is comprised of and what property has already
been distributed.(Cert provided
2/4 payments
Matter ResolvedRequest
Adjourment
1333/20/2024 10:00 am23-19822 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledMoot - Converted to 7 / 11Debtor has made 3 of 5 required payments   Arrears: $0  

issues as of 2/15/2024 (JMA)

1) Trustee objection to confirmation - need to resolve
- Domestic Support Obligation information
- Order for support payments $400 and divorce papers/property settlement agreement.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $9,363 when determining disposable 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 $11,943 non-exempt equity in real property and Crisci business $1,000.
- 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).
- Must resolve IRS estimated tax claim.
- Must file Pre-confirmation certificate.
- Add to confirming order Debtor to provide updated proof of income 6 months from confirming and 2023 tax returns.
- Add to confirming order Debtor to file amended Schedule I and J, 6 months from confirming.
- Add to confirming order non-exempt proceeds from sale of Juniper St to Trustee.
- Debtor needs to file a change of address with the Court.
2) Providednt Funding Associates LP (Powers Kirn) objection to confirmation - need to resolve
- approximate arrears $145,307
- creditor obj.prop not listed for sale and sale date too long away
3) IRS priority claim estimated for 2022 taxes CLAIM NOT AMENDED TO DATE
4) State of NJ, Division of Taxation claim estimated for 2022 taxes CLAIM NOT AMENDED TO DATE

proposed plan $350x60 begin 12/1/2023 base plan with sale of property by 8/31/2024
paid in $700
arrears $350
last claim 9
Matter ResolvedRequest
Adjourment
1343/20/2024 10:00 am23-19852 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledContinued
4/3/2024 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $602.00  
Adkjourned to 4/3 for information regarding the debtor's competency. Abelson wants to adjourn to the end of May but the 341 was adj. 3 times and case was filed in November. Debtor may need to file again when better. EDC

3/15 Workup for the 3/20 calendar EDC

341 not held--debtor did not appear to be competent to understand proceeding
Matter ResolvedRequest
Adjourment
1353/20/2024 10:00 am23-20447 / CMGTamika N. Wyche, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 1 of 5 required payments   Arrears: $0  

NS

updated 3/18/2024 (JMA) ADJOURNMENT DENIED - ATTY REQUESTS HOLD FEES IF CASE DISMISSED
updated 3/14/2024 (JMA)
issues as of 3/7/2024 (JMA)

1) City of Camden - objection to confirmation - need to resolve
-filed 3 claims (Claim #12, 13 and 14) totalling $19,693.20 - claims not in plan
2) State of NJ objection to confirmation - need to resolve
- deny confirmation
- require debtor to file all delinquent tax returns within 30 days
- plan does not provide for full payment of Taxation's priority claim or secured claim
- plan does not provide for Labor's priority claim
3) IRS - objection to confirmation - need to resolve
- priority claim in the amount of $603,115.70
- general unsecured claim in the amount of $220,982.62
4) Trustee objection to confirmation - need to resolve
- Need September and October bank statements for TD Bank and Bank of America accounts.
- 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 $23,350 in non exempt equity in the 2017 Box Truck.
- Need to file Pre-Confirmation Certification.
- The IRS filed an estimated claim which needs to be amended.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
- Need a Balance Sheet for value of business.
- Need an explanation of how much of the salary itemization in the P &L is attributable to the debtor.
5) Camden County MUA claim #2 $306.80 - claim not in plan
6) NJ Division of Taxation $7,743.65 - claim not in plan
7) Bank of America claim #8 $1,234.97 - claim not in plan
8) Trustee objection to confirmation - need to resolve
- Need September and October bank statements for TD Bank and Bank of America accounts.
- 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 $23,350 in no
Matter ResolvedRequest
Adjourment
1363/20/2024 10:00 am23-20538 / CMGJoseph Albanese, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $0  
Total Paid In: $872.00
ISSUES AS OF 3/14/2024 (DM):

***Plan needs to be 100% based upon $62,493 equity threshold and $1,776 GUCs filed before Bar Date expired. TRUSTEE CAN RECOMMEND CONFIRMATION AT $672 PTD, THEN $200 x 32 STARTING 4/1/24, 100% PLAN WITH $62,493 EQUITY THRESHOLD PRESERVED, LOAN MOD ON ROCKET MTG POC (4-1) BY 5/31/24, NO PAYMENT OR RESERVE PENDING THE LOAN MOD, OTBS ON OBJECTION WITHIN 30 DAYS, U.S. DEPT OF HUD POC (1-1) SHALL BE TREATED AS SECURED UNAFFECTED***

1) Rocket Mortgage (KML) OBJs - $45,694.42 arrears on 1st mtg (OTBS.)

2) U.S. Dept of HUD filed $6,985.06 second mtg with no arrears not treated in the plan (TREAT AS SECURED UNAFFECTED??)

3) Trustee OBJ:
- Need Nov & Dec pay stubs for all jobs (RECEIVED 1 STUBS FROM COMPUTER SCREEN SHOT.)
- Need amended Sch I to add now job that started 1/8/24 (FILED.)
- There is $40,201 non-exempt equity in real estate.
- There is $22,292 non-exempt equity in personal property.
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $168 x 60, Base Plan
- Loan Mod by 5/1/24
PTD 4/4 = $672
Last Claim (5-1)
Matter ResolvedRequest
Adjourment
1373/20/2024 10:00 am23-20578 / CMGJohn A. Underwood, Esq.Confirmation Hearing on Modified PlanContinued
4/17/2024 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $2,123.00  
As of 3/18/24 (DS): Debtor atty requesed adj to resolve all issues.

As of 3/15/24 (DS): 1. Trustee obj to the following:
- Need statement for the Guardian whole life insurance policy and statement for the debtor's Thrift loan, prior to filing date.
- Must amend Sched B to remove 2013 Freightliner and add the amount that was sold $6,000.
- Sched J list mortgage payment $3,439, when mortgage claim has $2,269.49 paid on 12/27/23.
- Disposable income verifies $4,948.30.
- 22C monthly gross income is $18,100 (October gross $151,446/10 = $15,144). Line 17 (involuntary deductions) should be $627. Per the 22C, monthly disposable income is $2,484 which requires min. dividend of $149,040 to gucs.
- There is non-exempt equity in 2014 Honda $7,871, 2018 BMW $10,607 and $6,000 equity in funds that the debtor received from the sale of the Freightliner that needs to be added to the schedules total of $24,478.
- Must file Pre-confirmation certificate.

2. Kalamata Capital Grp filed LATE secured claim $36,655.17. How will claim be treated?

3. US Dept of HUD filed secured claim with no arrears, which was not treated in plan. Trustee will treat this claim as outside with no arrears owed.

Prop Plan $4,246 PTD; $1,668 x 58; Dollar Base $37,599.12
Matter ResolvedRequest
Adjourment
1383/20/2024 10:00 am23-20608 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 5 required payments   Arrears: $0  

3/15/24(mk) atty adj request: says Appraiser will be providing appraisal on prop by Monday. FILED MP 3/15/24 (#18)to address Shellpoint Obj. AND Tr objection


3/12/24(mk): NEED UPDATE do not see any appraisal submitted as of this date or resolutions of objections

2/16/24(mk): adj request : debtor need to get appraisal of property to address Tr obj and trying to resolve cram issue.

2/14/24(mk):


1. Objection BY New Rez/Shellpoint( Stewart Legal):
-plan fails to pay full arrears

2. Objection by Toyota Motor( Stewart Legal): Objects to Cram
TOYOTA LISTED in Part7 of plan AND NOT IN PART 4

3.Trustee Obj:
- need current CMA- that provides better comparables.
Zillow estimates the home value to be approximately
$344,00
- Need balance statement from Morgan Stanley money
market prior to filing date
- pre conf cert

Plan:$350 x 5; $519.39 x 55; Base and Loan mod by 4/2024
2/3 payments


------RESOLVED-------
- failed to provide proof of service with respect to Plan
Motion (s). Toyota Financial and Discover Bank FILED 1/11/24
Matter ResolvedRequest
Adjourment
1393/20/2024 10:00 am23-20793 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

ADJ to 5/1 - debtor has a new job - need updated income (dm)
ISSUES AS OF 3/14/2024 (DM):

***Bar Date has expired and only $682 GUCs filed. Need updated pay stubs to determine monthly payment****

1) Claim filed by Hyundai Motor for 2023 Hyundai Elantra is not treated in the plan (TREAT AS SECURED UNAFFECTED??)

2) Trustee OBJ:
- Debtor has insufficient income.
- Need pay stubs for last pay period in Nov and the month of Dec (UNRESOLVED.)
- Need balance statement from Savings plan loan prior to filing date - deduction is listed on pay stub for $78.70 bi-weekly (UNRESOLVED.)
- Need to file Pre-Confirmation Certificate (UNRESOLVED.)
- Add to confirming order Trustee standard order of distribution.

Note: Updated auto insurance provided.


Prop. Plan $220 x 60, 100% Plan.
- student loans outside.
PTD 3/4 = $660
Last Claim (3-1)
Matter ResolvedRequest
Adjourment
1403/20/2024 10:00 am23-20794 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $2,226.00  Total Paid In: $3,339.00
3/12 workup for the 3/10 calendar

$1,113x60 beg 12/1/23 100% plan with minimum of $103,615 to guc-Trustee will pay New Rez arrears claim

1) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income Verified income leaves monthly disposable income of $627.89.
- 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 $103,615 in non exempt equity in the residence. (100% plan )
- Need to file Pre-Confirmation Certification.

proposed plan $1,113x60 100% plan
paid in $2,226
arrears $1,113
last claim 11
Matter ResolvedRequest
Adjourment
1413/20/2024 10:00 am23-20812 / CMGJonathan Goldsmith-Cohen, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 4 of 5 required payments   Arrears: $0  

MK; per atty email ok to Dismiss

AS OF 3/18/2024 (at):

1. Objection filed by AmeriHome Mortgage (McCabe Weisberg) - failure to cure arrears of $51,691.42 (Per POC) (UNRESOLVED)
ALSO MFR ON 3/20

2. Objection filed by Ford Motor Credit (Morton) - creditor requires languages that the lien won't be discharged upon completion of plan and needs proof of insurance. (RESOLVED)

3. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Need a statement for the debtor's 401k loan (NOT RECEIVED)
- a copy of the listing agreement. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$650/month for food
$435/month for entertainment
$725/month car payment
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 $1,541.96.
- Need to file Pre-Confirmation Certification. (NOT FILED)
- Need to resolve objection by AmeriHome Mortgage. (UNRESOLVED)

RESOLVED ISSUES:
- Need to resolve objection by Ford Motor Credit. (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 $65,134 in non exempt equity in the residence. (LANGUAGE ADDED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)

Plan proposes: $200 x 36 beginning 12/1/2023, sale of residence within 6 months of confirmation, base
Payments: 4/4
Matter ResolvedRequest
Adjourment
1423/20/2024 10:00 am23-20819 / CMGRegina L. Gelzer, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 5 required payments   Arrears: $1,552.00  Total Paid In: $1,968.00
As of 3/18/24 (DS): Ok to confirm at $1,968 paid, $1,552 x 56 begin 4/1/24; 100% to gucs with a minimum dividend $8,212 due to non-exempt equity and add to confirming order Trustee ok to pay the arrears claim#8-1 of NewRez

1. Trustee obj to the following:
- Need updated auto insurance, insurance expired 3/2/24 and proof of childcare payments made to daycare. Per Debtor's cert to be $1,345, per Sched J #24 after end of family leave to be $1,200 (no date when this is to begin) and currently has $100.
- Tax refund not listed on 22c, which would leave Line 45 w/disposable income $1,293.75 and require min. dividend $77,625 to gucs.
- Disposable income verifies $3,990.68, schedules fail to add tax refund.
- Plan does not propose the non-exempt equity.
- There is non-exempt equity in real property $7,122.22, Chase Bank acct $1,076.94 and MCU has $12.75 total $8,211.91.
- NewRez/Shellpoint filed arrears claim $3,806.06. Trustee ok to pay?

Prop Plan $656 x 60 begin 12/1/23; Base
Note: Amended Sched C filed to remove 100% and MCU bank acct provided.
Matter ResolvedRequest
Adjourment
1433/20/2024 10:00 am23-20918 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0  

AS OF 3/12/24 (SF)

1. Nationstar Mortgage filed arrears claim 14-1 in the amount $935.83 which is not addressed in plan. (Ok to pay?)

2. Capital One Auto Finance is listed in plan to cram interest rate but no separate service filed.

3. Trustee objection:

- The debtor has insufficient income Verified income leaves monthly disposable income of
$906.67. (Disposable income is now $1557 because pension loan expired)

- Need updated car insurance.

- Amendments to Schedules I to include Uber income.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$426/month for cable/internet/phone
$550/month for transportation
$375/month for life insurance
Need proof of excessive expenses 10 days prior to confirmation.

- There is $56,809 in non exempt equity in the residence.


Plan proposes $1200 x 60 Base w/min $60,000 to gucs
Payments: 4/4


RESOLVED ISSUES:

- A Modified Plan that increases trustee payment by $650 in March, 2024. (Not needed)
Matter ResolvedRequest
Adjourment
1443/20/2024 10:00 am23-20919 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $25.00  Total Paid In: $1,500.00
Atty ok to terms(mk)

As of 3/15/24 (DS): Need to confirm at $300 x 4 begin 12/1/23; $325 x 56 begin 4/1/24; Base with a minimum dividend $14,175, due to non-exempt equity;
- Non-exempt proceeds from wrongful death lawsuit to Trustee.
- Within 10 days must file motion to be appointed as counsel for wrongful death lawsuit.

1. Trustee obj to the following:
- There is $14,175 in non-exempt equity in the inheritance.
- Counsel must be appointed for the wrongful death lawsuit.

Prop Plan $300 x 60 begin 1/1/24; Dollar Base $13,000 and N/E PROCEEDS FROM INHERITANCE AND WRONGFUL DEATH
Matter ResolvedRequest
Adjourment
1453/20/2024 10:00 am23-21044 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $0  
Total Paid In: $1,593.00
AS OF 3/18/24 (SF) updated

RECOMMEND $1200 PTD, $393 X 32 (BEGIN 04/01/24) BASE PLAN
- OK TO PAY ROCKET MORTGAGE ARREARS CLAIM 5-1
- OK TO PAY TD BANK SECURED CLAIM 7-1




1. Trustee objection:

- The debtor has insufficient income Verified income leaves monthly disposable income of $205.75..



Plan proposes $300 x 36 Base
Payments: 3/4 Arrears: $300


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

- Rocket Mortgage filed arrears claim 5-1 in the amount of $1216.07 which is not addressed in plan (OK TO PAY?)YES

- TD Bank filed secured claim 7-1 in the amount of $1634.43 (furniture) which is not addressed in plan (OK TO PAY?)YES

- Need updated car insurance prior to confirmation. (RECEIVED)
Matter ResolvedRequest
Adjourment
1463/20/2024 10:00 am23-21068 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $137.00  Total Paid In: $8,080.00
As of 3/20/24 (DS): Need to confirm at $6,060 paid, $2,157 x 56 begin 4/1/24; 0% to gucs
- Claim#1-1 of American Honda-2018 Honda arrears $1,772.80 ok to be paid by Trustee.
- Late claim#19-1 per application/order to pay late claim arrears of $108,629.82.


As of 3/15/24 (DS): 1. Still no consent order entered with mortgage to allow Trustee to pay the late filed claim#19-1 of Wells Fargo $108,629.82. 3/19/24(mk):Order allowing TR to pay Wells Fargo late claim #19 submitted today so that resolves that issue

Also American Honda filed arrears $1,772.80.

Needs to get current and has CO w/ Mtg co

3/6/24 (DS): 1. Mortgage filed late claim, will need motion/order to allow Trustee to pay late filed claim.

2. BELOW ISSUES REMAIN UNRESOLVED.

As of 2/6/21 (DS): Debtor atty requested adjournment to allow Debtor time to workout tax claims issues

2/7/24 (DS): 1. Trustee obj to the following:
- Need a tier plan when car loan payment $524 ends in month 17, although should end by 8/2024 per contract. NO TIER PLAN NEEEDED PLAN NEEDS TO PAY MORE.
- Excessive expenses on Sched J: $500 Electricity/heat/gas & $580 Cell/cable/internet.
- Disposable income verifies $2,312, not deducting excessive expenses.

2. American Honda (2018 Honda) filed arrears claim $1,772.80. Plan has outside. MFR filed by creditor, Debtor owed post-pet arrears $1,772.80. MFR has resolved order previously submitted, no order on docket, need terms. Need to confirm there are no arrears or atty fees for creditor that need to be paid. CO ENTERED TO PAY ATTY FEES $574.

3. Secured arrears claim filed by Santander for $3,727 for 2019 Hyundai Santa Fe, not in plan or schedules and no auto insurance provided, plus no co-signors. MOD PLAN SURRENDERS.

Prop Plan $2,022 x 60 begin 12/1/23; $0
Note: IRS estimated amended and no longer estimated $0 owed.
Matter ResolvedRequest
Adjourment
1473/20/2024 10:00 am23-21074 / CMGMelinda D Middlebrooks, EsqConfirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0  
Total Paid In: $500.00
as of 3/7/2024 (JMA)

OK TO CONFIRM AT $400 PAID TO DATE, $100X32 BEGIN 4/1/2024 BASE PLAN

1) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income verifies lower than amount on Schedule I. ATTY PROVIDED ADDITIONAL PROOF OF INCOME
- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,009 when determining disposable income.
- Need to file Pre-Confirmation Certification with Court - RESOLVED, FILED
2) State of NJ priority tax claim is estimated for 2021 taxes - RESOLVED, AMENDED POC FILED, ZERO DUE

proposed plan $100x36 base plan
paid in $300
arrears $100
last claim 20
Matter ResolvedRequest
Adjourment
1483/20/2024 10:00 am23-21278 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $4.00  Total Paid In: $700.00
3/20/24 mk; added to terms TR to pay pending sale and low base pending sale

updated 3/20/2024 (JMA)

ok to confirm at $500 paid to date, $204x33 begin 4/1/2024 100% which includes minimum $84,225 dividend. Sale of Property by 9/30/24.Trustee to receive non exempt proceeds sufficient to pay case at 100%. Tr is authorized to pay MTG Assts claim 4-1 pending sale
Low base pending sale .


3/30: Parties agree to sale by 9/30/24- can it be worked

updated 3/11/2024 (JMA)
issues as of 3/7/2024 (JMA)

1) Mortgage Assets Management LLC (McCalla Raymer) objection to confirmation - need to resolve
-arrears $308,887.79
-sale of property is speculative and circumstantial
-debtors plan fails to provide for payment of taxes and insurance while sale is pending

2) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income Verified income leaves monthly disposable income of -$31.90.
- The debtor has failed to supply the Trustee with the following document (s): need updated car insurance prior to confirmation. RESOLVED
- The Schedules fail to account for the debtor(s) tax refund in the amount of $438.00 when determining disposable 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 $84,225 in non-exempt equity in the residence -100% PLAN
- Need to resolve objection by Mortgage Assets Management RESOLVED

proposed plan $200x36 100% plan
paid in $500
arrears $100
last claim 6
Matter ResolvedRequest
Adjourment
1493/20/2024 10:00 am23-21365 / CMGPRO SEConfirmation Hearing ScheduledMoot - DismissedDebtor has made 2 of 4 required payments   Arrears: $0  

Dismissed on order to show cause 3/15/24

As of 3/15/24 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $-2,798.81.
- Need 2022 tax returns and updated auto insurance if not confirmed, insurance expires 4/13/24.
- Debtor has failed to file a feasible plan. Plan propose to pay Navy Federal $34,206.91, which would require a much higher Trustee payment of $650 or more. Plan cannot be extended over 60 months, plan propose 120 months. Also plan Part 2a propose adequate protection payments $200 to unknown, which must have name of creditor and also enter in a consent order with creditor. Part 5a unsecured claims not marked off. Part 7a has Capital One Auto in motions and seems to be a crammed, but is not on Part 4d cram-down and motions it's proposing to cram to $4,000 as value of collateral and Part 8a is not marked, Part 8c order of distribution is incorrect and Part 8d post-petition claims is not marked..
- Per SNAP statement debtor must reapply by 4/15/24 or benefits will end 4/30/24.
- IRS priority claim is estimated for 2022 taxes, need to be resolved.
- Must file Pre-confirmation certificate with the Court.

2. Capital One Auto (2017 Toyota) filed arrears claim for $3,246.30.

Prop Plan $200 x 60
Matter ResolvedRequest
Adjourment
1503/20/2024 10:00 am23-21399 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 4 required payments   Arrears: $868.00  Total Paid In: $1,500.00
AS OF 3/20/24 (SF) UPDATED


RECOMMEND $1500 PTD, $868 X 45 (BEGIN 4/1/24) 100% PLAN
- OTBS WITHIN 30 DAYS RESOLVING PENNYMAC OBJECTION
- OK TO PAY CAPITAL ONE AUTO ARREARS CLAIM 16-1
- STUDENT LOANS TO BE PAID OUTSIDE PLAN



3/30/24 : work up at 48 mos per ar

AS OF 3/13/24 (SF)

1. Objection filed by PennyMac Loan Services (McDonough) - failure to provide for arrears of $11,412.77 to be paid through plan MK: says ok to pay arrears claim OTBS 30 days

2. Capital One Auto filed arrears claim 16-1 in the amount of $40 (OK TO PAY?) mk: YES Pay

3. Trustee objection:

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $600/month for transportation; $357/month for student loans (need proof these are being paid)
Need proof of excessive expenses 10 days prior to confirmation.

- Verified income leaves monthly disposable income of $1,751.51. The plan payment period should be reduced to 36 months.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $5,387 when determining disposable income.

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


Plan proposes $500 x 60 100%
Payments: 3/3

Matter ResolvedRequest
Adjourment
1513/20/2024 10:00 am23-21401 / CMGFrederick J. Simon, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

As of 3/18/24 (DS): Debtor atty requested adj to resolve all issues.

As of 3/15/24 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, income reviewed and verifies disposable income to be $254, Plan propose $555.
- Need statements for the debtor's 401(k) loan and "repay" loan prior to filing date and 2023 tax returns.
- Must amend Schedule C, which was filed blank.
- There is non-exempt equity in real property $37,065, mortgage claim filed by US Dept of HUD.
- Must resolve creditor obj.
- Must file Pre-confirmation certificate.
- Plan fails to add Trustee standard order of distribution on Part 8c and mark post-petition claims on Part 8d.

2. Carrington (HILL WALLACK) obj to arrears more, POC filed for $30,815.82. Obj must be resolved.

3. US Dept of HUD filed claim, not in plan, no arrears owed.

Prop Plan $555 x 60 begin 1/1/24; 100%
Matter ResolvedRequest
Adjourment
1523/20/2024 10:00 am23-21455 / CMGBarry Scott Miller, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 2 of 4 required payments   Arrears: $0  

NS 2nd call

3/20/24 (sf) Email just received from attorney: I requested supplemental documentation from my client regarding the trustee's objection and I have not received anything further.

3/20/: creditor appears


AS OF 3/13/24 (SF) SAME ISSUES AS LAST TIME

1. Objection filed by Arvest Bank (Jessica Berry) - failure to pay arrears and speculative loan mod or sale (MUST RESOLVE)

2. Trustee objection:

- The debtor has insufficient income disposable income verifies $ -720..

- Need Proof of 2 month's income - from daughter who is contributing $2,000 monthly, prior
to filing date.

- Need Contract for realtors listing and motion to retain realtor. (STILL NEED)

- Need a Modified Plan that propose only a sale or loan mod, not both and mark off Part 5a unsecured creditors. (STILL NEED)

- Need Amendments to Schedules C to take d(1) exemption on real property. (STILL NEED)

- The Schedules fail to account for the debtor(s) tax refund in the amount of $1060 when determining disposable income.

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

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

- Must file Pre-confirmation certificate. (STILL NEED)



Plan proposes $456.19 x 36; Loan mod by 6/30/24 or Sale by 7/31/24

Payments: $400 Received which is less than 1 payment 2/3 Arrears: $456.19


Matter ResolvedRequest
Adjourment
1533/20/2024 10:00 am23-21459 / CMGJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanContinued
4/17/2024 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $630.00  
3/20: atty needs to review w/ client


AS OF 3/18/2024 (at):

RECOMMEND: $1,455 PAID TO DATE, $1,200 x 33 BEGINNING 4/1/2024, BASE
Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
Preserve non exempt equity of $17,775 in real and personal property.

1. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Domestic Support Obligation information (NOT REQUIRED)
- Need proof of insurance for the 2010 Toyota. (RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$700/month in support/alimony (need proof)(RECEIVED PROOF OF $500/MONTH IN CHILD SUPPORT)
- 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 $1,229.04.
- 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 $9,111 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $8,114 in non exempt equity in the Capital One account and $550 in the 2010 Toyota. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order
confirming the plan. (LANGUAGE ADDED)

Modified plan before confirmation proposes: $485 x 2 beginning 1/1/2024, $800 x 34, base
Payments: arrears $315
Matter ResolvedRequest
Adjourment
1543/20/2024 10:00 am23-21495 / CMGMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $300.00  Total Paid In: $900.00
AS OF 3/5/2024 (at):

RECOMMEND: $300 x 60 BEGINNING 1/1/2024, BASE
Trustee is not authorized to pay post petition claims.
Claims will be paid according to the trustee's order of distribution.

1. Claims will be paid according to the trustee's order of distribution. (LANGUAGE ADDED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A Modified Plan that completes Part 8d Post-Petition claims (MOD PLAN NOT FILED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either
Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax
returns provided. The Trustee's calculations are higher for the following reason(s):
- Form 122c, Line 45 has monthly disposable income of $1,874.48 which requires minimum $112,468.80 dividend to general unsecured creditors
- Schedules I/J currently has monthly disposable income of $1,924.
- The Bank of Princeton acct #8277 balance as of 11/30/2023 is $2,549.81, not $376 as listed on Schedule A/B.
- Need Farmers Federal Credit Union statements for November & December. (RECEIVED)
- Need to file Pre-Confirmation Certification with Court. (FILED)
- Need Certification regarding the closing of business operations and what assets, of any, the business is comprised (RECEIVED)

Plan proposes: $300 x 60 beginning 1/1/2024, base
Payments: 2/3, arrears $300

Matter ResolvedRequest
Adjourment
1553/20/2024 10:00 am23-21505 / CMGMichelle Lee, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $115.00  
3/20/24:ar asked if there could be a n Administrator's Deed to debtor and other heir? need value for 179 caddy - it is not running - so need cert of debtor for that

issues as of 3/7/2024 (JMA)

1) M&T Bank (McCalla Raymer) objection to confirmation - need to resolve
-debtors plan does not propose cure of all arrears through the plan
-arrears $40,018.57- MP #17 pays this - so is it resolved? YES OTBS on that w/ in 30 days

2) Trustee objection to confirmation - need to resolve
- The debtor has insufficient income per Sched I income is $4,118, but verifies $1,856, disposable income would be $-402.
DEBTOR IS CURRENT
- The debtor has failed to supply the Trustee with the following document (s): A copy of the homeowner's insurance renewal declaration - with personal liability coverage, document provided is binder/application.( PROVIDED-uploaded 3/19- In Name of Estate of Carol Jackson)
- Auto insurance for 1979 Cadillac Seville and valuation of vehicle( CLASSIC CAR)
- excessive expense items, such as: Home maintenance $250, Food $500 and Transportation $600.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $409 when determining disposable 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 real property $20,017.60( mk: this may decrease as etsate who owns property has debts) and pending valuation on Cadillac pending valuation.
- Must file Pre-confirmation certificate. FILED 3/19/24

3) Need amended attorney disclosure for atty fees for new counsel

proposed plan $725x2, $845x58 base plan
paid in $2,175
arrears $120
last claim 4
Matter ResolvedRequest
Adjourment
1563/20/2024 10:00 am23-21553 / CMGDarin D. Pinto, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 3 of 4 required payments   Arrears: $2,062.00  Total Paid In: $5,352.00
AS OF 3/13/24 (SF)

RECOMMEND $1645 X 2 (BEGIN 1/1/24); $2062 X 58 (BEGIN 3/1/24) 100% PLAN

1. Debtor received a bonus of $3226.60 (net) in December 2024 which adds additional $268.88 per month income. (Need to depart from 122C because bonus is not included)

Also Debtor's income through November is $76,676/11 = $6970.55 plus bonus of $268.88 = $7239.43 minus expenses of $5036.29 = $2203.14 net and will be higher when 401k loans expire in 2026. Plan still needs 100% to gucs.

Note: Removed tax refund because it's for State, not Federal

2. Trustee objection:
- Per the 22C, monthly disposable income is $2,963 which requires a minimum dividend of $177,780 to general unsecured creditors. (AMENDED) Line 17 is incorrect. Debtor's involuntary deductions do not total $1450. ($401k contribution is $732.74 and balance of loans = $17,353.03/60 mos = $289.21 for total of $1021.95


Plan proposes $1645 x 2; $1648 x 58 Base
Payments: 2/3 Arrears: $1648


RESOLVED ISSUES:

- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $600/month for food (Amended J reduces to $500)
Need proof of expenses 10 days prior to confirmation.

$2,625/month for rent (need copy of lease) (RECEIVED)

- Need statements for the debtor's (2) 401k loans. (Loan 8 will be paid off in 4/2026 and Loan 10 will be paid off in 5/2026)

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

Matter ResolvedRequest
Adjourment
1573/20/2024 10:00 am23-21595 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledContinued
4/3/2024 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $1,814.00  
mk: motion to allow POA (Co debtor) to testify at 341 on 3/14

issues as of 3/7/2024 (JMA)

1) 341 not held, rescheduled for 3/14/2024
2) Not current with Trustee plan payments to date, arrears $898
3) The Bank of New York Mellon (RASC) objection to confirmation - need to resolve
-claim not treated in plan
-arrears $11,339.08
4) OneMain (2008 Chevy Impala) claim #9 has secured claim of $7,200 and unsecured claim of $14,305.92 - not treated in plan
5) Need to file Pre-Confirmation Certification with Court

proposed plan $916x60 0% plan
paid in $1,850
arrears $898
last claim 17
Matter ResolvedRequest
Adjourment
1583/20/2024 10:00 am23-21625 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 4 required payments   Arrears: $945.00  Total Paid In: $1,995.00
AS OF 3/8/24 (SF)

RECOMMEND $1,161 PTD, $889 X 58 (BEGIN 3/1/24) 0% PLAN


1. Trustee objection:

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$595/month for cable/internet/phone ($250 allowed) Expenses will be reduced by $345
$865/month for food ($800 allowed) Expenses will be reduced by $65
Need proof of excessive expenses 10 days prior to confirmation.

- Verified income leaves monthly disposable income of $1,050. (Disposable income is now $1460)

- The current Plan does not specify treatment of IRS under the Plan.




Plan proposes $774 x 60 0%
Payments: 1.5/2 Arrears: $1161

RESOLVED ISSUES:

Objection filed by Prestige Financial Services (Craig) - to cram (RESOLVED)
1. State of NJ filed estimated priority claim 2-1 (AMENDED)
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
Need proof of service on Prestige Financial Services.(RESOLVED VIA ORDER)
- Need to file Pre-Confirmation Certification.( FILED)
Matter ResolvedRequest
Adjourment
1593/20/2024 10:00 am23-21686 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $0  
Total Paid In: $1,514.00
updated 3/1/2024 (JMA)
issues as of 3/6/2024 (JMA)

to resolve the Trustee objection need to confirm at $992.37 paid to date, $522x57 begin 4/1/2024 base plan with minimum $5,874 dividend to general unsecured creditors

1) Trustee objection to confirmation - need to resolve
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee 's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason (s): Verified income leaves monthly disposable income of $652.46.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): There is $5,874 in non exempt equity in the Morgan Stanley account.
- The Zillow market valuation shows value of the property of approximately $680,000.
- Need to file Pre-Confirmation Certification
2) Movement Mortgage LLC (Brock & Scott) objection to confirmation - CONSENT ORDER TO PAY ARREARS THROUGH PLAN

proposed plan $330.79x60 base plan
paid in $992.37
last claim 16
Matter ResolvedRequest
Adjourment
1603/20/2024 10:00 am23-21715 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $300.00  
AS OF 3/15/2024 (at):

RECEIVED PROOF OF PAYMENT.

1. Objection By Barclays(Hill Wallack):
- plan fails to pay arrears (UNRESOLVED)

2. Objection by Fay Serv(McCabe);
- Plan fails to pay arrears (UNRESOLVED)

3.Trustee Objection:
- need P & L statements (NOT RECEIVED)
- need Business forms for Filp Inventions (NOT RECEIVED)
- need auto insurance for 2008 BMW (NOT RECEIVED)
- Modified Plan that states which properties on to apply for loan modifications (testimony at 341 - LM on Sayreville prop) NEEDS MP TO NOTICE CREDITOR OF TREATMENT OR RESOLVE WITH AN ORDER (MOD PLAN NOT FILED)
-current Plan does not specify treatment of Navy FCU for 2008 BMW. (MOD PLAN NOT FILED)
-There is non-exempt equity on Cortland St property
pending amended Sched C taking $15,412.55, there would remain $14,532 non-exempt equity. (SCHEDULE C NOT AMENDED)
- need Amendments to Schedules C to take d(5) exemption remaining $15,412.55 on Cortland St property to add copyright infringement law suit. (SCHEDULE C NOT AMENDED)
- Pre conf cert


Plan:$1,100 x 6 begin 1/1/24; $2,520.99 x 54; Base and Loan mod 6/2024 on Sayreville Prop.
Payments: 1/3, arrears: $1,900
Matter ResolvedRequest
Adjourment
1613/20/2024 10:00 am23-21733 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $200.00  Total Paid In: $600.00
AS OF 3/19/2024 (at):

RECOMMEND: $200 x 34 BEGINNING 1/1/2024, $869 x 26 BEGINNING 11/1/2026, 100% PLAN
Preserve non exempt equity of $61,106 in real estate.
Need order resolving objection by Fay Servicing within 14 days.

1. Objection filed by Fay Servicing (Friedman Vartolo) - failure to cure full arrears of $8,153.01 (Per POC) (RESOLVED - pay per POC - order in 14 days)

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):
- Verified income leaves monthly disposable income of $363.47.

RESOLVED ISSUES:
The debtor has failed to supply the Trustee with the following document (s):
- Need November and December bank statements for Bank of America accounts 5826 and 2909. (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 $61,106 in non exempt equity in the residence. As a a result the plan will need to remain a 100% plan as proposed. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $200 x 34 beginning 1/1/2024, $740 x 26, 100% to unsecured creditors
Payments: 2/3, arrears $200
Matter ResolvedRequest
Adjourment
1623/20/2024 10:00 am23-21774 / CMGBrad J. Sadek, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0  
Total Paid In: $1,720.00
UPDATED 3/19/2024 (JMA)

OK TO CONFIRM AT $430X60 WITH MINIMUM $9,162.48 DUE TO NON-EXEMPT EQUITY

issues as of 3/6/2024 (JMA)

1) Trustee objection to confirmation - RESOLVED
- A copy of the last filed tax return - for 2023 IRS/State NEED TO PROVIDE RETURNS BY 5/31/2024, ADD TO CONFIRMING 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 $2,700 NON-EXEMPT EQUITY IN EQUIPMENT
- Republic Bank acct #7033 need statements for November, October and September PROVIDED, $1,309.98 NON-EXEMPT EQUITY
- Republic Bank acct #6894 need statement for November 2023 PROVIDED, $5.152.50 NON-EXEMPT EQUITY

proposed plan $430x60 base plan
paid in $1,290
last claim 5


RESOLVED ISSUES:

- Need to provide updated proof of car insurance, policy provided expired 2/11/2024 PROVIDED RENEWAL, RESOLVED
- Did not provide Venmo account statements RESOLVED PROVIDED
- The debtor needs to provide a certification regarding the value of the debtor 's business equipment PROVIDED RESOLVED
Matter ResolvedRequest
Adjourment
1633/20/2024 10:00 am23-21794 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0  

3/30: needs more time to address tx for business- personal tx in

AS OF 3/18/2024 (at):

1. Amur Equipment Finance filed a secured claim #19 for a 2022 Bumper pull trailer in the amount of $775.83 which is not in the plan. Is the debtor going to pay this claim? MK; OK TO PAY

2. NJ Division of Taxation filed an estimated claim #20 which needs to be amended. (STILL ESTIMATED)

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

RESOLVED ISSUES:
- Need November 2023 statements for Wells Fargo accts #2862, #2777 and #7175 (RECEIVED THERE IS $1,539 IN NON EXEMPT EQUITY)
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - non-filing spouse paystubs provided were from early
2023, need current paystubs (RECEIVED MOST RECENT STUBS)
- 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 $62,200 non-exempt equity in business (LANGUAGE ADDED)

Plan proposes: $500 x 60 beginning 1/1/2024, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1643/20/2024 10:00 am23-21854 / CMGAdam Schneider, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 4 required payments   Arrears: $0  

AS OF 3/15/2024 (at):

RECOMMEND: $300 PAID TO DATE, $250 x 57 BEGINNING 4/1/2024, BASE
Need to file Pre-Confirmation Certification within 7 days of confirmation.

Trustee's objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$285/month for home maintenance on a condo
$520/month for cable/internet/phone
$1,775/month for food
$300/month for cats
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):
- Reviewed the 22C, Line 17 (involuntary deductions) should be $0, Line 22 (additional healthcare) requires documentation, Line 23 (optional phone) requires documentation
and Line 30 (additional food) requires documentation. Per the 22 C, monthly disposable income is $1,448 which requires a minimum dividend of $86,887 to general unsecured creditors.
- 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 $1,170.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)

Plan proposes: $100 x 60 beginning 1/1/2024, base
Payments: 3/3
Matter ResolvedRequest
Adjourment
1653/20/2024 10:00 am23-21976 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing on Modified PlanContinued
5/1/2024 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $305.00  
AS OF 3/14/24

MP FILED AND AMOUNTS IN PLAN DO NOT MATCH CONDO CLAIMS

1. Objection filed by Lakewood/Four Seasons Condo Assoc (McGovern Legal Services) - failure to pay entire secured claim amount of $6106.36 (Claim is bifurcated. How should this claim be paid?) (MUST RESOLVE)

2. Objection filed by Lakewood/Four Seasons Condo Assoc (McGovern Legal Services) - failure to pay entire secured claim amount of $9928.12 (Claim is bifurcated. How should this claim be paid?) (MUST RESOLVE)

3. Trustee objection:

- Need statements for the three whole life insurance policies. (STILL NEED)

- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,237.00 when determining disposable income.

- There is $136,560 in non exempt equity in the residence.

- The debtor has failed to provide proof of service with respect to Plan Motion (s). Need proof of service on OneMain Financial at a physical address, not just a PO Box. (SHOULD SERVE ON THE ADDRESS LISTED ON THE POC. PO BOX NUMBER IS DIFFERENT) STILL NEED

- Need to file Pre-Confirmation Certification.


Plan proposes $305 x 12; $1,000 x 48 100% PLAN
Payments: 2/3 Arrears: $305

RESOLVED ISSUES:

- Need a copy of the homeowner's insurance renewal declaration - . Policy expires 2/9/2024. (RECEIVED)
Matter ResolvedRequest
Adjourment
1663/20/2024 10:00 am24-10010 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $1,200.00  
As of 3/15/24 (DS): Debtor atty requested adjournment, 341 sched 4/18/24
Matter ResolvedRequest
Adjourment
1673/20/2024 10:00 am24-10014 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

updated 3/15/2024 (JMA)
issues as of 3/6/2024 (JMA)

1) Specialized Loan Servicing LLC (Stewart Legal) objection to confirmation - need to resolve
-arrears $153,937.69
2) Wells Fargo Bank (Brock & Scott) objection to confirmation - need to resolve
-plan proposes to pay 0% interest on mortgage claim
-creditor disputes value of property and seeks a motion to value property
3) IRS priority claim is estimated for 2020-2023 taxes, guc claim is estimated for 2018 taxes - need to resolve
4) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - 2023 by 5/15/2024.
- Need 2022 tax return 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 $11,054 per month.
- Per the 22C, monthly disposable income is $11,244 which requires a minimum dividend of $674,640 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): There is $171,897 non-exempt equity in the residence. (100% Plan)
- Need a valuation for the business (Balance Sheet).
- Need to file Pre-Confirmation Certification.
- The IRS filed an estimated claim which needs to be amended.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.

proposed plan $1,500x12, $5,300x48 100% plan
paid in $3,000
last claim 8
Matter ResolvedRequest
Adjourment
1683/20/2024 10:00 am24-10050 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $166.00  
AS OF 3/14/24 (SF)

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

2. Rental arrears to be paid in 36 months

3. Trustee objection:
- Need a copy of the last filed tax return - for 2023 by 5/31/24.

- Need Amendments to Schedules to add part-time income for Wegman's job.

- Income verifies higher due to part-time job at Wegmans.

- The Plan fails to provide for a prompt cure of rental arrears. FYI: order submitted that resolved MFR by Landlord and addressed the POC #1-1 the amt. in the order $10, 796.47 will control and cure over 36 mos (mk)

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

- Must file Pre-confirmation certificate


Plan proposes $166 x 60 Base
Payments: 2/2

Matter ResolvedRequest
Adjourment
1693/20/2024 10:00 am24-10075 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

As of 3/14/24(mk):

100% PLAN BAR DATE 3/14/24

1. Objection by Weichert Fin( Pluese):
- plan fails to pay arrears.

2. IRS ESTIMATED CLAIM- for 2023

3. ST. Of NJ estimate POC no return for 2019 &2020
estimated pririty and guc


Plan: $1466 X 60; 100%
2/2 payments
Matter ResolvedRequest
Adjourment
1703/20/2024 10:00 am24-10107 / CMGCharles M Izzo, EsqConfirmation Hearing ScheduledDismissedDebtor has made 2 of 3 required payments   Arrears: $0  

NS

AS OF 3/18/2024 (at):

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

>FYI NO 341 DOX UPLOADED AS OF 3/19>
Matter ResolvedRequest
Adjourment
1713/20/2024 10:00 am24-10116 / CMGJoel R. Spivack, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 351.99 of 3 required payments   Arrears: $0  
Total Paid In: $352.00
As of 3/15/24 (DS): Confirm at $100 x 2 begin 2/1/24, $150 x 34 begin 4/1/24; Base

Prop Plan $100 x 36 begin 2/1/24; Base
Note: POI for Co-Debtor-Kohls provided. Reviewed medical expenses and explanations. Although excessive, half the income is social security.
Matter ResolvedRequest
Adjourment
1723/20/2024 10:00 am24-10120 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 2 of 3 required payments   Arrears: $0  

NS


UPDATED 3/18/2024 (JMA)
updated 3/12/2024 (JMA) ADJOURNMENT DENIED, NO TRUSTEE PLAN PAYMENTS RECEIVED TO DATE
updated 3/11/2024 (JMA)
issues as of 3/6/2024 (JMA)

1) No Trustee payments made to date, arrears $812

2) Global Lending Services LLC (Stewart Legal) - limited objection to confirmation - need to resolve
-arrears in the amount of $1,686.13, not provided for in the plan - need to resolve

3) Trustee objection to confirmation - need to resolve
- Domestic Support Obligation information child support.
- A copy of the last filed tax return - for 2023.
- 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 $749.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,792 when determining disposable income.
- The Plan needs to run 60 months pursuant to the B22C form.
- The current Plan does not specify treatment of Global Lending (2021 Nissan Rogue) arrears $1,686.13 under the Plan.
- Must provide balance statements for 2 loan repayments listed on pay stub, prior to filing date.
- Must file Pre-confirmation certificate.
- Need certification from debtor regarding the support payment listed on Sched J $650.
- Trustee standard order of distribution

4) The plan and attorney disclosure do not agree on the balance of fees to be paid through plan. Disclosure $4,750 and plan has $3,365 - need to resolve

proposed plan $406x36 base plan
paid in $0
arrears $812
last claim 12
Matter ResolvedRequest
Adjourment
1733/20/2024 10:00 am24-10150 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $350.00  Total Paid In: $3,300.00
AS OF 3/15/2024 (at):

RECOMMEND: $1,650 PAID TO DATE, $2,000 x 58 BEGINNING 4/1/2024, BASE
Student loans will be paid outside of the plan.
Need 2023 tax return by 5/15/2024.
Preserve non exempt equity of $91,884 in real and personal property.
Claim #2 filed by JP Morgan Chase will be paid through the plan.

1. JP Morgan Chase filed a secured arrears claim #2 in the amount of $1,412.95 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):
- Business forms - from Debtor's 49% interest on business with Integrated Care Concepts & Consultation, as well as 2 month profit and loss statements, prior to filing
date. (NOT RECEIVED)
- A copy of the homeowner's insurance renewal declaration - if not confirmed by 3/20/24, insurance expires 4/2/24. (LANGUAGE ADDED)
- Morgan Stanley acct statement for 12/31/23 and proof of spouse credit card expenses. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Cell/Tele/Internet/cable $535, Transportation $875, Auto insurance $110 (verifies $88) and spouse credit cards $5,000. Must provide proof of expenses 10 days prior to filing date. (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):
- 22c has disposable income $2,331.02, which would require minimum dividend $139,861.20.
- Income also verifies higher, there is disposable income $2,241.
- Also Schedule I failed to add spouse social security income that was provided $3,106.
- The debtor must provide a valuation of the business including the value of any goodwill. (NOT RECEIVED)

RESOLVE ISSUES:
- Must provide updated auto insurance, insurance expires 3/18/24. (RECEIVED)
- A copy of the last filed
Matter ResolvedRequest
Adjourment
1743/20/2024 10:00 am24-10151 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $250.00  
As of 3/14/24(mk):

341 was just on 3/14

1. ESTIMATED CLAIMS BY IRS( Priority) AND ST OF NJ( secured, priority & GUC)

2. Trustee objection:
- need 212/30/23 pay stub
-still need complete 2022 fed tax return-page 2 missing and
2023 by 5/15/24
-Need a statement for the debtor's retirement loan. Per schedule I,
no deductions on pay stubs.
-Verified income leaves monthly disposable income of $792.36.
- Plan does not specify treatment of Carvana secured claim- OK to
Pay 184.50
- IRS filed an estimated claim which needs to be amended.
-Need December and January bank statements for Police and Fire FCU accounts.


Plan:: $500 X 60; BASE student loans outside plan
2/2
Matter ResolvedRequest
Adjourment
1753/20/2024 10:00 am24-10161 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $400.00  
AS OF 3/11/2024 (at):

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

1. 341 is scheduled for 3/28/2024.
2. Payments: 1/2, arrears $400
Matter ResolvedRequest
Adjourment
1763/20/2024 10:00 am24-10163 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 3/19/2024 (at):

1. The IRS filed an estimated claim #4 which needs to be amended. (2021 - 2023)

2. Objection filed by Resurgent Receivables (Hladik) - objecting to value of cram in the plan. Per creditor, 2019 VW is worth $9,470. (UNRESOLVED)

3. Objection filed by Wilmington Savings (Hill Wallack) - failure to cure arrears of $293,293.03. (UNRESOLVED)

RESOLVED ISSUES:
Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - once debtor returns to work. (LANGUAGE ADDED)
- A copy of the last filed tax return - 2023 by 5/15/2024. (LANGUAGE ADDED)
- Need proof of insurance for the 2019 VW Jetta. (RECEIVED)
The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service on Resurgent Capital. (OK - OBJECTION FILED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $500 x 36 beginning 2/1/2024, $0 to unsecured creditors
Payments: 2/2
Matter ResolvedRequest
Adjourment
1773/20/2024 10:00 am24-10167 / CMGMICHAEL SCHWARTZBERG ESQConfirmation Hearing ScheduledDismissedDebtor has made 0 of 3 required payments   Arrears: $0  

NS

As of 3/8/24 (DS): 341 not held 2/15/24, all docs missing, also no Trustee payments made, arrears $800, made 0 out of 2 payments.
Matter ResolvedRequest
Adjourment
1783/20/2024 10:00 am24-10222 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $205.00  Total Paid In: $380.00
As of 3/15/24 (DS): Ok to confirm at $190 x 2 begin 2/1/24, $205 x 34 begin 4/1/24; Base with a minimum dividend $2,549 to gucs due to non-exempt equity and add to confirming order Trustee ok to pay the arrears claim#13-1 of Ally Bank $401.22

1. Trustee obj need auto insurance, if not confirmed, policy expired 2/6/24.

2. Arrears claim filed by Ally Bank for 2013 Honda $401.22. Trustee ok to pay?

Prop Plan $190 x 36 begin 2/1/24; Dollar Base $2,549
Matter ResolvedRequest
Adjourment
1793/20/2024 10:00 am24-10255 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

AS OF 3/11/2024 (at):

1. The NJ Division of Taxation filed an estimated claim #4 which needs to be amended. (2017 - 2023) (STILL ESTIMATED)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Domestic Support Obligation information (NOT RECEIVED)
- Need a statement for the debtor's PERS loan. (NOT RECEIVED)
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$600/month for food
$500/month for childcare (no dependents listed)
$200/month for clothing
$250/month for entertainment
$350/month for car insurance (per statement it is $267/month)
$850/month car payment
$1,148/month for support payments (Need DSO and order)
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 $ 1,362 (with excessive expenses.)
- Reviewed the 22C, monthly gross income is $15,692. Line #16 (taxes) should be $5,150
and Line #23 (optional phone) requires documentation. Per the 22 C, monthly disposable income is $3,116 which requires a minimum dividend of $186,960 to general unsecured creditors.
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
- A copy of the last filed tax return - 2023 by 5/15/2024. (LANGUAGE ADDED)

Plan proposes: $500 x 60 beginning 2/1/2024, base
Payments: 1/2, arrears $500
Matter ResolvedRequest
Adjourment
1803/20/2024 10:00 am24-10316 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $570.00  
AS OF 3/19/2024 (at):

RECEIVED PROOF OF PAYMENTS.

Trustee's objection:
The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$1,900/month for rent (need proof - lives with family) (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 $934.75.
- The debtor has failed to provide proof of service with respect to Plan Motion (s).
- Need proof of service on American Honda Finance. (CERTIFICATE OF SERVICE NOT FILED)
- Need to file Pre-Confirmation Certification. (NOT FILED)

RESOLVED ISSUES:
- trustee standard order of distribution. (LANGUAGE ADDED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $4,817 when determining disposable income. (AVERAGED/ADDED TO INCOME)
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - 2023 by 5/15/2024. (LANGUAGE ADDED)

Plan proposes: $570 x 60 beginning 2/1/2024, $0 to unsecured creditors
Payments: 0/2. arrears $1,140
Matter ResolvedRequest
Adjourment
1813/20/2024 10:00 am24-10317 / CMGPeter J. Broege, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,560.00  
As OF 3/11/24(MK):email to atty

1/2 payments

PLAN IS 100% AND BAR DATE IS 3/22/24. should adj. for accurate claims total and resolve tax claim

1. St Of NJ ESTIMATED FOR PRIORITY CLAIM no return for 2021
secured part is fixed at 3397.75
Guc fixed at 3636.23

2. Trustee Objection:
-Verified income leaves monthly disposable income of $2,765.55.
- As of now, there is $265,345 in non exempt equity in the real estate. (100% plan )
-will review equity T/H again after all claims filed



Plan:1560 X 60 100% STD Loans OUTSIDE
1/2 payments


------------RESOLVED-----------------------

3/7/24mk Order submitted resolving obj by Cardinal- pay arrears claim est at 27,995.21 thru plan
Matter ResolvedRequest
Adjourment
1823/20/2024 10:00 am24-10373 / CMGJacklynn McDonnell, Esq.Confirmation Hearing ScheduledContinued
4/3/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $2,052.00  Total Paid In: $4,104.00
AS OF 3/15/2024 (at):

SHOULD ADJOURN TO AFTER BAR DATE WHICH IS 3/25/2024.

1. Objection filed by Cross Country Mortgage (KML) - failure to cure arrears of $1,022.42. (RESOLVED - PAY ARREARS THROUGH PLAN)

2. Trustee's objection:
- The debtor has insufficient income Verified income leaves monthly disposable income of $1,519.12.
- The debtor has failed to supply the Trustee with the following document (s):
- Proof of 2 month's income - for coaching job at Monmouth University.
- A copy of the last filed tax return - 2023 (LANGUAGE ADDED)
- Need statements for the co-debtor's four pension loans. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$300/month for home maintenance
$1,700/month for food
$950/month for childcare
$500/month for medical and dental
$1,000/month for transportation
$250/month for pet care
$252/month for housekeeping
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):
- Per the 22C, monthly disposable income is $5,818 which requires a minimum dividend of $349,080 to general unsecured creditors.

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 $153,791 in non exempt equity in the residence. The plan must remain 100% as
proposed. (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). (LANGUAGE ADDED)
- Need to resolve objection by Cross Country Mortgage. (RESOLVED)
- Debtors' attorney must f
Matter ResolvedRequest
Adjourment
1833/20/2024 10:00 am24-10397 / CMGKevin C. Fayette, EsqConfirmation Hearing ScheduledPlan DeniedDebtor has made 1 of 3 required payments   Arrears: $1,620.00  
atty has $810 and 2023 fed"l tax return- needs to amended 2022 return
ATTY TO FILE MP IN 14 days

As of 3/14/24 (DS): 1. No Trustee payments made, Debtor in arrears $1,620, made 0 out of 2 payments.

2. MFR by landlord filed1/31/24, sched 3/20/24. Motion is an object to pre-petition arrears not paid and states that Debtor may be deliquent for Feb. Must resolve.

3. Trustee obj to the following:
- Debtor has insuficient income, disposable income verifies $172.99. Trustee will require eWage/TFS payments.
- Need 2023 tax returns, must provide no later than 5/31/24, if not filed.

4. Avalon Management (GORSKI) obj to plan not feasible, claim filed as unsecured with rental arrears owed $13,300.92, Plan has $7,465. Must resolve obj.

5. Western Funding-2007 Ford Edge (HLADIK, ONORATO & FEDERMAN) obj to not in plan, arrears owed $1,537.92, creditor is on Sched F. No POC filed. Must resolve obj.

6. Must resolve IRS estimated tax claim, 2023 tax return not filed.

Prop Plan $810 x 48 begin 2/1/24; Base
Matter ResolvedRequest
Adjourment
1843/20/2024 10:00 am24-10417 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $553.00  
updated 3/15/2024 (JMA)
issues as of 3/6/2024 (JMA)

1) IRS priority claim estimated for 2023 taxes.
2) Trustee objection to confirmation - need to resolve
- A copy of the last filed tax return - for 2023.
- Need to provide Trustee with 2 months bank statements from Police & Fire FCU checking/savings and Wells Fargo savings acct prir to filing 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): - Income verifies higher at 871 per month.
- Need Wells Fargo checking acct statement for January prior to filing date.
- Must file Pre-confirmation certificate.
- Not current with Trustee plan payments, arrears $952

proposed plan $551x60 base plan
paid in $850
arrears $252
last claim 13
Matter ResolvedRequest
Adjourment
1853/20/2024 10:00 am24-10420 / CMGMark N. Glyptis, Esq.Confirmation Hearing ScheduledContinued
4/17/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

341 IS 3/14/2024.
Matter ResolvedRequest
Adjourment
1863/20/2024 10:00 am24-10421 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 1 of 3 required payments   Arrears: $1,396.00  
3/19 (mk: atty filing MP: proof of MO payments snet in by atty uploaded to 13 docs - she will be filing a MP so this should be plan denied or w/d and Mp in 14 dyas

As of 3/12/24(mk:

NO PAYMENTS

341 was 3/7 - Higher claim from TRENTON makes plan not feasible

1. City Of Trenton POC mush higher at $125,910.74
plan has it at $78,783.36.

2. Trustee Obj:
- Plan does not specify treatment of New Century Financial secured claim
-pre conf cert

Plan:$700 X 6; $1502.81 X 54; BASE
0/2 payments
Matter ResolvedRequest
Adjourment
1873/20/2024 10:00 am24-10423 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
5/1/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $630.00  
AS OF 3/19/2024 (at):

RECEIVED PROOF OF PAYMENTS.

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $1,260

341 docs in - needs request for 341 hearing date

Matter ResolvedRequest
Adjourment
1883/20/2024 10:00 am24-10451 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $2.00  Total Paid In: $624.00
Need to confirm at $374 paid, $252 x 34 begin 4/1/24; Base with a minimum dividend $5,425 to gucs, due to non-exempt equity and Claim#5-1 of Hyundai Capital be treated as wholly unsecured and pro rata w/other gucs - TR will not pay arrears as it is an unsecured claim
Hyundai lease is assumed and post petition payments are outside plan directly to creditor. Arrears have been cured.

mk: work up w/ his T/H to cover Mobile home and see lang to be added for Hyundai claim- exp ok


As of 3/14/24 (DS):

1. Trustee obj to the following:
- Bank statements provided 3/12/24, show there is non-exempt equity $78.69, no D(5) remaining.
- Excessive expense for food $600. Using 22c difference of expenses, would leave disposable income $504.25. Per MK expenses ok
- There is non-exempt equity in mobile home $5,425, plus bank acct $78.69 total $5,503.69.

2. Hyundai filed unsecured claim with arrears owed $322.20. Need to resolve claim, if paying arrears and treated as secured must file motion.
ATTY asked if they would amend- they said maybe- MK: add language that claim will be treated as wholly unsecured and pro rata w/other gucs - TR will not pay arrears as it is an unsecured claim

Prop Plan $249 x 36 begin 2/1/24; Dollar Base $5,425
Note: 2023 tax return and bank statements provided.
Matter ResolvedRequest
Adjourment
1893/20/2024 10:00 am24-10469 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $400.00  
3/20: no appeal option for LM- debtor atty wants time to see if can resolve


3/19/24(mk) Email from A, Jennings: plan premised on loan modification, however Debtor was denied for a loan modification on 12/28/23 as there were no available loss mitigation options. Income was not required or needed for the evaluation.

UPDATED 3/18/2024 (JMA)
updated as of 3/15/2024 (JMA)
issues as of 3/6/2024 (JMA)

1) CSMC 2019-RPL10 Trust (RASC) objection to confirmation hearing - need to resolve
-plan seeks cure of mortgage arrears through loan modification - loan mod has not been offered or approved
-plan fails to provide treatment if loan mod is not granted

2) Trustee objection to confirmation - need to resolve
- Must resolve creditor objection.

proposed plan $400x36 base plan with loan mo in 6 months
paid in $400
arrears $400
last claim 2

RESOLVED ISSUES:

- Must file Pre-confirmation certificate. FILED, RESOLVED
- Updated auto insurance, insurance expired 2/23/24 PROVIDED, RESOLVED
Matter ResolvedRequest
Adjourment
1903/20/2024 10:00 am24-10474 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $750.00
AS OF 3/15/2024 (at):

RECOMMEND: $250 x 30 BEGINNING 2/1/2024, $625 x 10 BEGINNING 8/1/2026, $1,420 x 20 BEGINNING 6/1/2027, BASE
Need 2023 tax return by 5/15/2024.
Preserve non exempt equity of $33,549 in real and personal property.

1. Objection filed by PennyMac (Powers Kirn) - failure to cure arrears of $841.89 (Per POC) (RESOLVED - PAY PER POC)

2. Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- Need December and January bank statements for Money accounts 5377, 8982 and 2777. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$250/month for home maintenance
$776/month car payment
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 $494.

RESOLVED ISSUES:
- A copy of the last filed tax return - 2023 by 5/15/2024. (LANGUAGE ADDED)
The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $29,249 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $4,300 in non exempt equity in the 2016 BMW. (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification. (FILED)

Plan proposes: $250 x 30 beginning 2/1/2024, $625 x 10, $1,325 x 20, not less than $32,725 to unsecured creditors
Payments: 2/2
Matter ResolvedRequest
Adjourment
1913/20/2024 10:00 am24-10475 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0  
Total Paid In: $4,950.00
AS of 3/12/24(mk):email to atty- OK TO TERMS

**CAN REC CONFIRM AT $1,650 x 40 Begin 2/1/24 Then $2,320 x 20 Begin 6/1/24 BASE**


--------------------------
1. IRS POC HIGHER at $8,683.48


2. Trustee objection: There was a response to the excess expenses- followed up w/ atty as to situation. will compromise-add to 2d tier
There is $24,609 in non-exempt equity in the residence
excessive expense items, such as:
$500/month for home maintenance
$735/month for cable/internet/phone
$783/month for childcare/education- this appears to be for grand kids- daughter is home widowed and lives w/ debtors- needs explanation
$500/month for medical/dental
$400/month for entertainment
$757/month for car insurance (per statement it's $602/month) 3 cars
Need proof of excessive expenses 10 days prior to confirmation


Plan:1650 x 40, Then 2,250 x 20 BASE BAR DATE 3/28/24
2/2 payments.
Matter ResolvedRequest
Adjourment
1923/20/2024 10:00 am24-10511 / CMGPaul H. Young, Esq.Confirmation Hearing ScheduledContinued
5/15/2024 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0  

mk: has consent

3/19/24 (sf) Atty needs consent from obj creditor to request adj.

341 now on 4/18/24

Copy of TFS receipt provided for 2 payments
341 rescheduled to 4/18/24


As of 3/8/24 (DS): 341 not held 2/29/24, missing all docs, also no Trustee payments made, Debtor in arrears $1,570, made 0 out of 2 payments



Obj by Penny Mac( Fein Such):
Matter ResolvedRequest
Adjourment
1933/20/2024 10:00 am24-10522 / CMGLaurence R. Sheller, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $100.00  Total Paid In: $300.00
AS OF 3/6/2024 (at):

RECOMMEND: $200 PAID TO DATE, $200 x 12 BEGINNING 4/1/2024, $325 x 23 BEGINNING 4/1/2025, BASE
(increase due to 403b loan being paid off in March, 2025)

Trustee's objection:
The debtor has failed to supply the Trustee with the following document (s):
- A copy of the last filed tax return - for 2023 by 5/15/2024. (LANGUAGE ADDED)
- Need a statement for the debtor's 401k loan. (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 $222.92.
- The Plan fails to provide for a prompt cure of rental arrears. (NO OBJECTION BY LANDLORD)
- Need to file Pre-Confirmation Certification. (FILED)
- Need updated car insurance prior to confirmation. (RECEIVED)

Plan proposes: $100 x 36 beginning 2/1/2024, base
Payments: 1/2, arrears $100
Matter ResolvedRequest
Adjourment
1943/20/2024 12:00 pm18-32967 / CMGJustin M. Gillman, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment
1953/20/2024 12:00 pm22-11632 / CMGCarol L. Knowlton, Esq.Motion CompensationGrantedTotal Paid In: $33,900.00
Atty cert says fees thru plan BUT ORDER SAYS OUTSIDE

Tr Obj: Needs a revised order for inside plan

Mk: atty filed am amended application - THAT SAYS FEES TO BE PIAD OYSIDE SO ORIGINAL ORDER IS FINE
Matter ResolvedRequest
Adjourment
1963/20/2024 12:00 pm22-14943 / CMGJustin M. Gillman, Esq.Motion CompensationGranted
Matter ResolvedRequest
Adjourment
1973/20/2024 12:00 pm23-11864 / CMGNicholas Fitzgerald, Esq.Motion CompensationGrantedTotal Paid In: $6,765.00
Matter ResolvedRequest
Adjourment
1983/20/2024 12:00 pm23-14816 / CMGDavid G. Beslow, Esq.Motion CompensationOrder to be SubmittedTotal Paid In: $6,275.00
Limited obj Payment needs to increase to 1,506 to cover the fees

mk: MADE ERROR: NEEDS Needs revised order for $1611 x 51 begin April
Matter ResolvedRequest
Adjourment
1993/20/2024 12:00 pm23-14992 / CMGJustin M. Gillman, Esq.Motion CompensationGranted
case dismissed and $ on hold pending this fee app- ok
Matter ResolvedRequest
Adjourment
2003/20/2024 12:00 pm23-16002 / CMGJustin M. Gillman, Esq.Motion CompensationGrantedTotal Paid In: $4,200.00
Matter ResolvedRequest
Adjourment
2013/20/2024 12:00 pm23-17655 / CMGJonathan Goldsmith-Cohen, Esq.Motion CompensationGrantedTotal Paid In: $10,965.00
Matter ResolvedRequest
Adjourment
2023/20/2024 12:00 pm23-21412 / CMGAdam Schneider, Esq.Motion CompensationGrantedTotal Paid In: $12,382.00
Matter ResolvedRequest
Adjourment
2183/20/2024 3:00 pm23-12564 / CMGMarc C. Capone, Esq.AP Summons IssuedContinued
4/3/2024 3:00 pm

AP 23-1388 Yerzy vs. Mangiafico
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes