Case Information
*1 UNITED STATES BANKRUPTCY COURT DISTRICT OF NEW JERSEY Caption in Compliance with D.N.J. LBR 9004-1(b)
Order Filed on May 15, 2025 George E. Veitengruber, III, Esq. by Clerk Veitengruber Law LLC U.S. Bankruptcy Court District of New Jersey 1720 Route 34, Suite 10 Wall, NJ 07727 Telephone: 732-695-3303 Facsimile: 732-695-3917 bankruptcy@veitengruberlaw.com Att f D bt ( ) 25-12587
Case No.: ____________________ In Re: 13 Gail D. Miller Chapter: ____________________ MBK Judge: ____________________ LOSS MITIGATION ORDER
The relief set forth on the following pages, numbered 2 and 3, is hereby ORDERED . DATED: May 15, 2025 *2 April 14, 2025 (cid:137) A Notice of Request for Loss Mitigation was filed by the debtor on ___________________ . (cid:137) A Notice of Request for Loss Mitigation was filed by the creditor, ________________________ on __________________. (cid:137) The court raised the issue of Loss Mitigation, and the parties having had notice and an opportunity to object, and the Court having reviewed any objections thereto. The Request concerns the following: 191 Silverside Avenue Little Silver, NJ 07739 Property: ________________________________________________________________ PNC Mortgage Creditor: ________________________________________________________________ (cid:137) It is hereby ORDERED that the Notice of Request for Loss Mitigation is denied. x (cid:137) It is hereby ORDERED that the Notice of Request for Loss Mitigation is granted, and:
(cid:120) The debtor and creditor listed above are directed to participate in Loss Mitigation and are bound by the court’s Loss Mitigation Program and Procedures (LMP). (cid:120) The Loss Mitigation process shall terminate on ________________ (90 days from the date of entry of this order, unless an Application for Extension or Early Termination of the Loss Mitigation Period is filed under Section IX.B of the LMP.)
(cid:120) The debtor must make monthly adequate protection payments to the creditor during the Loss Mitigation Period in the amount of __________________ on the due date set forth in the note, including any grace period. See Section VII.B. of the LMP.
(cid:120) If a relief from stay motion pursuant to section 362(d) is pending upon entry of this Order or if such a motion is filed during the loss mitigation period, the court may condition the stay upon compliance by the debtor with the fulfillment of the debtor’s obligations under the Loss Mitigation Order. If the debtor fails to comply with the loss mitigation process and this Order, the creditor may apply to terminate the Order as specified in Section IX.B. of the LMP and to obtain relief from the stay. *3 Extension or early termination of the LMP may be requested as specified in Section IX.B of the LMP.
(cid:120) If this case is dismissed during the loss mitigation period, loss mitigation is terminated effective on the date of the order of dismissal. x (cid:137) It is ORDERED that parties shall utilize the Loss Mitigation Portal during the Loss
Mitigation Period, and it is further ORDERED that: (cid:120) Within 14 days of the date of this order, the creditor shall ensure that it is
registered on the loss mitigation portal and that all of its initial loss mitigation document requirements are available on the portal.
(cid:120) Within 35 days of the date of this order, the debtor shall upload and submit through the loss mitigation portal a completed Creditor’s Initial Package. (cid:120) Within 14 days of the debtor’s submission of the Creditor’s Initial Package, the creditor shall acknowledge receipt of same and designate the single point of contact for debtor’s review.
(cid:137) It is ORDERED that the debtor is excused from use of the Loss Mitigation Portal during the Loss Mitigation Period, and it is further ORDERED that: (cid:120) Within 14 days of the date of this order, the creditor shall designate a single point
of contact, including the name and contact information of the contact and shall specify to the debtor the forms and documentation the creditor requires to initiate a review of the debtor’s loss mitigation options.
(cid:120) Within 21 days after receipt of the creditor’s specifications regarding forms and documentation, the debtor shall provide the requested information. (cid:120) Within 14 days of the debtor’s submission, the creditor shall acknowledge receipt of the documentation. rev.12/17/19 *4 United States Bankruptcy Court District of New Jersey In re: Case No. 25-12587-MBK Gail D. Miller Chapter 13
Debtor CERTIFICATE OF NOTICE District/off: 0312-3 User: admin Page 1 of 1 Date Rcvd: May 15, 2025 Form ID: pdf903 Total Noticed: 1 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 May 17, 2025: Recip ID Recipient Name and Address db + Gail D. Miller, 191 Silverside Avenue, Little Silver, NJ 07739-1752
TOTAL: 1
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: May 17, 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 May 15, 2025 at the address(es) listed below: Name Email Address Albert Russo
docs@russotrustee.com Denise E. Carlon on behalf of Creditor PNC BANK NATIONAL ASSOCIATION dcarlon@kmllawgroup.com, bkgroup@kmllawgroup.com George E Veitengruber, III on behalf of Debtor Gail D. Miller bankruptcy@veitengruberlaw.com knapolitano15@gmail.com U.S. Trustee USTPRegion03.NE.ECF@usdoj.gov