Case Information
*1 UNITED STATES BANKRUPTCY COURT
DISTRICT OF NEW JERSEY Order Filed on June 27, 2025 Caption in Compliance with D.N.J. LBR 9004-1(b) by Clerk MIDDLEBROOKS SHAPIRO, P.C. U.S. Bankruptcy Court P. O. Box 1630 Belmar, New Jersey 07719-1630
(973) 218-6877
Jessica M. Minneci, Esq.
jminneci@middlebrooksshapiro.com
Attorneys for Chapter 13 Debtors,
Rhadames Rosario and Stephanie Rosario
In Re: Case No.: ____________________ 24-20625-JKS
Rhadames Rosario and Stephanie Rosario, Chapter: 13 Chapter 13 Debtors John K. Sherwood
Judge: ____________________ ORDER ON MOTION FOR AUTHORIZATION TO ENTER INTO FINAL LOAN MODIFICATION AGREEMENT (CHAPTER 13) The relief set forth on the following page is ORDERED .
DATED: June 27, 2025
The Court having reviewed the Motion for Authorization to Enter into Final Loan Modification 5/23/2025 first Agreement filed on _____________________, as to the ___________________ mortgage (cid:90)(cid:76)(cid:87)(cid:75)(cid:3)(cid:38)(cid:72)(cid:81)(cid:79)(cid:68)(cid:85)(cid:3)(cid:41)(cid:54)(cid:37)(cid:3)
(cid:68)(cid:86)(cid:3)(cid:54)(cid:72)(cid:85)(cid:89)(cid:76)(cid:70)(cid:72)(cid:85)(cid:3)(cid:73)(cid:82)(cid:85)(cid:3)(cid:49)(cid:82)(cid:85)(cid:87)(cid:75)(cid:3)(cid:51)(cid:82)(cid:76)(cid:81)(cid:87)(cid:3)(cid:37)(cid:68)(cid:81)(cid:78)(cid:15)(cid:3) concerning real property located at 612 Mountain Avenue, Berkeley Heights, NJ 07922, Ne
_________________________________________________, and the Court having considered any objections filed to such motion, it is hereby ORDERED that:
(cid:137) The debtor is authorized to enter into the final loan modification agreement. 1) The loan modification must be fully executed no later than 14 days from the date of this order. If it is not, the secured creditor, within 14 days thereafter, must file with the Court and serve on the debtor, debtor’s attorney, if any, and the standing trustee a Certification indicating why the agreement was not fully executed. A response by the debtor, if any, must be filed and served within 7 days of the filed date of the secured creditor’s Certification; and
2) Upon the filing of the Certification required above, and absent a response from the debtor, the standing trustee may disburse to the secured creditor all funds held or reserved relating to its claim. Absent the filing of the Certification within the time frame set forth above, the standing trustee will disburse funds on hand to other creditors pursuant to the provisions of the confirmed Plan and any proof of claim filed in this case with respect to the mortgage is deemed modified and incorporated into the Loan Modification Agreement; and
3) Unless the debtor’s Plan has been confirmed with 100% paid to unsecured creditors, the debtor must file a Modified Chapter 13 Plan and Motions within 14 days of consummation of the loan modification. If the loan modification results in material changes in the debtor’s expenses, the debtor must also file amended Schedules I and J within 14 days of the date of this Order; and
4) Check one:
(cid:137) There is no order requiring the debtor to cure post-petition arrears through the Plan; or (cid:137) Post-petition arrears are capitalized into the loan modification agreement, and the Order filed on _________________ requiring the Standing Trustee to make payments based on the arrearage is vacated as of the date of this order; or
(cid:137) Post-petition arrears have not been capitalized into the loan modification agreement, and the Standing Trustee will continue to make payments to the secured creditor based on the Order filed on ______________; and
5) If fees and costs related to loss mitigation/loan modification are sought by the debtor’s attorney, an Application for Compensation in compliance with D.N.J. LBR 2016-1 must be filed.
(cid:137) The Motion for Authorization to Enter into Final Loan Modification Agreement is denied. (cid:25)(cid:12)(cid:3)(cid:3) (cid:55)(cid:75)(cid:72)(cid:3)(cid:81)(cid:72)(cid:90)(cid:3)(cid:83)(cid:68)(cid:92)(cid:80)(cid:72)(cid:81)(cid:87)(cid:3)(cid:68)(cid:80)(cid:82)(cid:88)(cid:81)(cid:87)(cid:3)(cid:72)(cid:73)(cid:73)(cid:72)(cid:70)(cid:87)(cid:76)(cid:89)(cid:72)(cid:3)(cid:25)(cid:18)(cid:20)(cid:18)(cid:21)(cid:19)(cid:21)(cid:24)(cid:3)(cid:90)(cid:76)(cid:79)(cid:79)(cid:3)(cid:69)(cid:72)(cid:3)(cid:7)(cid:26)(cid:28)(cid:21)(cid:17)(cid:23)(cid:21)(cid:3)(cid:11)(cid:51)(cid:9)(cid:44)(cid:3)(cid:50)(cid:81)(cid:79)(cid:92)(cid:12)(cid:17) 2 new.12/17/19 *3 United States Bankruptcy Court In re: Case No. 24-20625-JKS Rhadames Rosario Chapter 13 Stephanie Rosario
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 29, 2025: Recip ID Recipient Name and Address db/jdb + Rhadames Rosario, Stephanie Rosario, 612 Mountain Avenue, Berkeley Heights, NJ 07922-2501
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 29, 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 27, 2025 at the address(es) listed below: Name Email Address
Andrew M. Lubin on behalf of Creditor LAKEVIEW LOAN SERVICING LLC nj-ecfmail@mwc-law.com, alubin@milsteadlaw.com Denise E. Carlon on behalf of Creditor Northpointe Bank dcarlon@kmllawgroup.com bkgroup@kmllawgroup.com Jessica M. Minneci on behalf of Debtor Rhadames Rosario jminneci@middlebrooksshapiro.com minneci.jessicab@notify.bestcase.com Jessica M. Minneci on behalf of Joint Debtor Stephanie Rosario jminneci@middlebrooksshapiro.com minneci.jessicab@notify.bestcase.com Marie-Ann Greenberg magecf@magtrustee.com
Marisa Myers Cohen on behalf of Creditor LAKEVIEW LOAN SERVICING LLC nj-ecfmail@mwc-law.com, jhillier@mwc-law.com *4 Melinda D. Middlebrooks on behalf of Debtor Rhadames Rosario middlebrooks@middlebrooksshapiro.com melindamiddlebrooks@gmail.com;minneci.jessicab@notify.bestcase.com
Melinda D. Middlebrooks on behalf of Joint Debtor Stephanie Rosario middlebrooks@middlebrooksshapiro.com melindamiddlebrooks@gmail.com;minneci.jessicab@notify.bestcase.com Michael R. DuPont on behalf of Creditor North Jersey Federal Credit Union dupont@redbanklaw.com lori@redbanklaw.com Rebecca K. McDowell on behalf of Creditor Affinity Federal Credit Union rmcdowell@slgcollect.com anovoa@slgcollect.com Thomas B. O'Connell on behalf of Creditor Affinity Federal Credit Union toconnell@slgcollect.com anovoa@slgcollect.com U.S. Trustee USTPRegion03.NE.ECF@usdoj.gov