Case Information
*1 UNITED STATES BANKRUPTCY COURT
DISTRICT OF NEW JERSEY
Caption in Compliance with D.N.J. LBR 9004-1(b)
Denise Carlon, Esquire
KML Law Group, P.C. Order Filed on June 25, 2025 by Clerk 701 Market Street, Suite 5000 U.S. Bankruptcy Court Philadelphia, PA 19106 215-627-1322 dcarlon@kmllawgroup.com
Attorneys for Secured Creditor
PNC Bank, National Association Case No.: 23-12644 JNP
In Re: Adv. No.:
Eric D. Fareri
Christina M. Fareri Hearing Date: 6/10/2025 @ 11:00 a.m.
Debtors Judge: Jerrold N. Poslusny Jr.
ORDER CURING POST-PETITOIN ARREARS & RESOLVING CERTIFICATION OF
The relief set forth on the following pages, numbered two (2) through three (3) is hereby ORDERED.
DATED: June 25, 2025
(Page 2)
Debtor: Eric D. Fareri & Christina M. Fareri
Case No: 23-12644 JNP
Caption of Order: ORDER CURING POST-PETITON ARREARS & RESOLVING CERTIFICATION OF _________________________________________________________________________________
This matter having been brought before the Court by KML Law Group, P.C., attorneys for Secured Creditor, PNC Bank, National Association, Denise Carlon, Esq. appearing, upon a certification of default as to real property located at 321 Bergen Avenue, Bellmawr, NJ, 08031, and it appearing that notice of said motion was properly served upon all parties concerned, and this Court having considered the representations of attorneys for Secured Creditor and S. Daniel Hutchison, Esq., attorney for Debtors, and for good cause having been shown
It is ORDERED, ADJUDGED and DECREED that as of June 9, 2025, Debtor are in arrears outside of the Chapter 13 Plan to Secured Creditor for payments due May 2025 through June 2025 for a total post-petition default of $3,389.89 (2 @ $2,143.85 less $897.81 suspense); and
It is further ORDERED, ADJUDGED and DECREED that the Debtor shall make a down payment of $1,575.99 no later than June 30, 2025; and
It is further ORDERED, ADJUDGED and DECREED that the balance of the arrears in the amount of $1,813.90 will be paid by Debtor remitting $302.32 per month for five months and $302.30 for one month in addition to the regular monthly mortgage payment, which additional payments shall begin on July 1, 2025, and continue for a period of six months until the post-petition arrears are cured; and
It is further ORDERED, ADJUDGED and DECREED that regular mortgage payments are to resume July 1, 2025, directly to Secured Creditor (cid:182)(cid:86)(cid:3)(cid:86)(cid:72)(cid:85)(cid:89)(cid:76)(cid:70)(cid:72)(cid:85)(cid:15)(cid:3) (Note: the amount of the monthly mortgage payment is subject to change according to the terms of the note and mortgage); and
It is further ORDERED, ADJUDGED and DECREED that for the Duration of Debtor (cid:182) s Chapter 13 bankruptcy proceeding, if the lump sum payment or any regular monthly mortgage payments are not made within thirty (30) days of the date said payment is due, Secured Creditor may obtain an Order Vacating Automatic Stay as to Real Property by submitting a Certification of Default to the Court indicating such payment is more than thirty days late, and Debtor shall have fourteen days to respond; and
It is further ORDERED, ADJUDGED and DECREED that a copy of any such application, supporting certification, and proposed Order must be served on the Trustee, Debtor, and Debtor (cid:182) s counsel at the time of submission to the Court; and
It is further ORDERED, ADJUDGED and DECREED that Secured Creditor is hereby awarded reimbursement of fees and costs in the sum of $25 (cid:19)(cid:17)(cid:19)(cid:19)(cid:3)(cid:73)(cid:82)(cid:85)(cid:3)(cid:68)(cid:87)(cid:87)(cid:82)(cid:85)(cid:81)(cid:72)(cid:92)(cid:86)(cid:182)(cid:3)(cid:73)(cid:72)(cid:72)(cid:86)(cid:3)(cid:90)(cid:75)(cid:76) ch is to be paid through Debtors (cid:182) Chapter 13 plan; and
It is further ORDERED, ADJUDGED and DECREED (cid:87)(cid:75)(cid:68)(cid:87)(cid:3)(cid:54)(cid:72)(cid:70)(cid:88)(cid:85)(cid:72)(cid:71)(cid:3)(cid:38)(cid:85)(cid:72)(cid:71)(cid:76)(cid:87)(cid:82)(cid:85)(cid:182)(cid:86)(cid:3) Certification of Default is hereby resolved.
United States Bankruptcy Court In re: Case No. 23-12644-JNP Eric D Fareri Chapter 13 Christina M Fareri
Debtors
CERTIFICATE OF NOTICE The following symbols are used throughout this certificate: Symbol Definition
+ Addresses marked '+' were corrected by inserting the ZIP, adding the last four digits to complete the zip +4, or replacing an incorrect ZIP. USPS regulations require that automation-compatible mail display the correct ZIP. Notice by first class mail was sent to the following persons/entities by the Bankruptcy Noticing Center on Jun 28, 2025: Recip ID Recipient Name and Address db/jdb + Eric D Fareri, Christina M Fareri, 321 Bergen Avenue, Bellmawr, NJ 08031-1635
Notice by electronic transmission was sent to the following persons/entities by the Bankruptcy Noticing Center. Electronic transmission includes sending notices via email (Email/text and Email/PDF), and electronic data interchange (EDI).
NONE
BYPASSED RECIPIENTS The following addresses were not sent this bankruptcy notice due to an undeliverable address, *duplicate of an address listed above, *P duplicate of a preferred address, or ## out of date forwarding orders with USPS. NONE
NOTICE CERTIFICATION
I, Gustava Winters, declare under the penalty of perjury that I have sent the attached document to the above listed entities in the manner shown, and prepared the Certificate of Notice and that it is true and correct to the best of my information and belief.
Meeting of Creditor Notices only (Official Form 309): Pursuant to Fed .R. Bank. P.2002(a)(1), a notice containing the complete Social Security Number (SSN) of the debtor(s) was furnished to all parties listed. This official court copy contains the redacted SSN as required by the bankruptcy rules and the Judiciary's privacy policies.
Date: Jun 28, 2025 Signature: /s/Gustava Winters
CM/ECF NOTICE OF ELECTRONIC FILING
The following persons/entities were sent notice through the court's CM/ECF electronic mail (Email) system on June 26, 2025 at the address(es) listed below: Name Email Address
Andrew B Finberg on behalf of Trustee Andrew B Finberg courtmail@standingtrustee.com ecf.mail_9022@mg.bkdocs.us Andrew B Finberg courtmail@standingtrustee.com ecf.mail_9022@mg.bkdocs.us
Denise E. Carlon on behalf of Creditor PNC BANK NATIONAL ASSOCIATION dcarlon@kmllawgroup.com, bkgroup@kmllawgroup.com Isabel C. Balboa on behalf of Trustee Isabel C. Balboa ecfmail@standingtrustee.com summarymail@standingtrustee.com Jennifer R. Gorchow on behalf of Trustee Isabel C. Balboa jgorchow@standingtrustee.com on behalf of Joint Debtor Christina M Fareri sdhteamlaw@outlook.com
backupcourt@outlook.com;sdhlawpara1@outlook.com;hutchisonsr39026@notify.bestcase.com on behalf of Debtor Eric D Fareri sdhteamlaw@outlook.com backupcourt@outlook.com;sdhlawpara1@outlook.com;hutchisonsr39026@notify.bestcase.com U.S. Trustee USTPRegion03.NE.ECF@usdoj.gov