ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Christine M. Gravelle

Hearing Date: 1/7/2026
Last Updated: 12/5/2025 6:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am21-18442 / CMGJavier L. Merino, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj, will be by 12/31<>ARREARS 3,735 as of 11/18/25
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am21-18795 / CMGTamika N. Wyche, Esq.Hearing Scheduled (Document)3rd Party MatterDebtor has made 24 of 49 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am21-19215 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am22-11490 / CMGRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledFREEDOM MTG (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am22-15397 / CMGJoan Sirkis Warren, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> SELECT PORTFOLIO/Washburn Ave (ras)
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am22-15397 / CMGJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am22-15936 / CMGRobert Cameron Legg, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> ARREARS 3.090 as of 11/21/25


debtor requested adj to become current
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am23-13740 / CMGCarrie J. Boyle, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> AMEICAN NEIGHBORHOOD MTG ( Pluese Becker)
Email InquiryMatter ResolvedRequest
Adjournment
251/7/2026 9:00 am23-16235 / CMGJoseph Casello, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objectionsdebtor has a sale K and filing a moittion returnable 1/7/25- parties agree to adj to 1/7/26


Debtor obj, under contract to sell<>CARRINGTON (Friedman Vartolo)

Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am23-16235 / CMGJoseph Casello, Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)No Opposition Filed2218 LONGEST DR


mk: MP confirmed w/ sale and 100% per equity in RE

sale K 1,230,000
realtor is appointed

Order is not the std form but covers every thing no waiver in the order
plan to be paid off at 100%
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am23-19848 / CMGRichard F. Fried, Esq.Motion Relief from Stay (Fee)No Opposition FiledFREEDOM MTG (BROCK & SCOTT)
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am24-12114 / CMGJeffrey E. Jenkins, Esq.Motion Relief from Stay (Fee)No Opposition FiledLAKEVIEW LOAN (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am24-12967 / CMGJeffrey E. Jenkins, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am24-14652 / CMGOtto J. Kostbar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am24-15748 / CMGFrancis P. Cullari, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)No Opposition FiledSV/AFFINITY FCU; ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
461/7/2026 9:00 am24-18612 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsMP filed 11/26/25


FAILED TO LM BY 10/9/25; FAILED TO FILE AMD I/J & PROVIDE POI TO TRUSTEE BY 4/2/25, PER CONF


debtor says working on LM application

Arrears $816 as of 11/25/25
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am24-19041 / CMGPeter E. Zimnis, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceNo Opposition FiledMTN TO APPROVE REFI/NUNC PRO TUNC
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am24-19284 / CMGRussell L. Low, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> SANTANDER (Eisenberg Gold)
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am24-19908 / CMGCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAMT: MP 1/7<>

MP filed 11/19/25 to extend out tier pending the outcome of a loan modification. Plan was modified to add the full pre petition
mortgage arrears as per POC


Debtor obj<>FAILED TO LM BY 10/21/25; ARREARS 5,000 as of 11/12/25
inconsistent pay history

Notice of request for Loss mit filed 11/5/25
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am24-20040 / CMGJeffrey E. Jenkins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAMT: MP 1/7<<>>

1/28/26 PEREMPTORY for MP or dismiss



ARREARS 3,915 as of 11/13/25- NEEDS TO ADDRESS ONEMAIN #5-3/NO DEFICIENCY STATED IN CLAIM

debtor opp'n-has supplied attys w /info for amended I &J and asked for a MP- says working on amended I & J and suppling pay stubs..

>>DEBTOR NOT PAYING FULL TR PAYMENT CONFIMED PLAN AT $1,003 PER MONTH. STIILL PAYING THE PPSED PLAN AMT OF $568
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am24-20420 / CMGJustin M. Gillman, Esq.Hearing Scheduled (Document)Needs Resolution of Issues - ObjectionsDebtor obj<> DEUTSCHE (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
601/7/2026 9:00 am24-22672 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsDebtor obj<>ARREARS- 1,491 as of 11/25/25


filing MP and payment processing

Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am25-10096 / CMGPRO SEMotion to DismissMoot - Dismissed
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am25-10847 / CMGDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledALLY CAPITAL (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am25-11561 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)Needs Resolution of Issues - ObjectionsAMT: MP 1/7/26<>

MP to extend time to refi filed 11/19/25



Debtor obj<>FAILED TO REFI BY 10/11/25
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am25-12575 / CMGEdward Hanratty, Esq.Motion Motion (Generic) - Only use if no other event is applicableNeeds Resolution of Issues - Objectionsatty able to compromise on claim #14 waiting for documentation and that would make it 100% plan - needs time to get letter form creditor to agree to amt. they have been waiting for the documentation


MK :Base needs to be raised for debtor's share of refi proceeds. Tr want s 15,000 and debtor offered 3,000



MTN POST-PET FINC/PENNYMAC LOAN

MK: this refi already occurred- back in June 2025- just now making the motion to approve it. papers say non filing spouse did the refi as he had debt. MTG WAS only in his name/Deed in Both names. However- both names are on the refi. got 30,797 from it and spouse spent that on his debts.

TR Objection filed





Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am25-12852 / CMGPeter E. Zimnis, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>NEW JERSEY HOUSING AND MTG FINC AGENCY (PLUESE)/General Greene Aave


debtor was offered a trial LM - crediotr wants adj to see if 1st payment is made on that
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am25-14451 / CMGRobert Manchel, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>FREEDOM MTG (BROCK & SCOTT)
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am25-14981 / CMGDavid L. Stevens, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN TO RECLASSIFY TO UNSECURED & REDUCE POC #4/FOSS
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am25-15386 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections1/7 to bring current

Debtor obj<>PENNYMAC LOAN (FEIN SUCH)


mk:MP filed on 11/12/25:
Correcting all numbers as reflected in the filed POCs and orders.
Removing timeshare from surrender to be unaffected by the plan.
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am25-17054 / CMGHerbert B. Raymond, Esq.Motion to Approve Loan ModificationNeeds Resolution of Issues - ObjectionsPennymac limited response ) Frenkel lambert)<> MTN TO APPROVE LM
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am25-18261 / CMGJeffrey E. Jenkins, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledSELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am25-18540 / CMGAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)No Opposition FiledCARRINGTON MTG (FRIEDMAN)
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am25-18682 / CMGLee M. Perlman, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledSELENE (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am25-19979 / CMGEugene D. RothMotion Dismiss CaseNo Opposition FiledMMU LLC MTN TO DISMISS (Ragan)
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 9:00 am25-22706 / CMGRussell L. Low, Esq.Motion Extend TimeNo Opposition FiledMTN EXT STAY AS TO ALL CREDS
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am24-15005 / CMGTimothy P. Neumann, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 14 of 19 required payments   Arrears: $5,519.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am24-18612 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 11 of 16 required payments   Arrears: $1,400.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am24-19908 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 14 required payments   Arrears: $9,265.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am24-20040 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 14 required payments   Arrears: $4,918.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am24-20951 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 13 required payments   Arrears: $14,450.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am24-22232 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 10 of 12 required payments   Arrears: $0
As of 11/21/25 (DS): Debtor atty requested adj to allow time to get additional paperwork

As of 11/19/25 (DS): 1. Trustee had previously objected to excessive expenses: $255 Water/sewer/garbage, $550 Utilities, $674 Car payment and $475 & $700 Transportation - AMENDED SCHED J INCREASED TO $705 & 700 TOTAL $1,405 FOR 1 CAR. AMENDED SCHED J REMOVES 2ND CAR PYMT $561 AND INCREASES AUTO INSURANCE TO $748 IS FOR BOTH CARS, BUT 2020 CHEVY WAS SURRENDERED AND SHOULD BE $355.

2. Need 2024 tax returns.

3. Disposable income verifies $1,933, pending tax return.

MP Prop $316.50 x 4; $680 x 56; Dollar Base $25,998
- MFR on 2020 Chevy, now surrendered in plan.
Note: Updated POI and updated auto insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-10052 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 6 of 11 required payments   Arrears: $3,230.00
Email InquiryMatter ResolvedRequest
Adjournment
1111/7/2026 10:00 am25-11413 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 9 of 10 required payments   Arrears: $500.00
1/7 PEREMPTORY

11/26/25 Copy of TFS receipt for $1500 just received. Need to adjourn



PEREMPTORY FOR 11/26 - NOT CURRENT WITH PAYMENTS - 6 OF 9 ARREARS $1500 (Debtors are not paying the $500 per month how can we confirm at $8000 going forward as a low base pending refi?)

atty says 24 return filed IRS took refund
atty has no obj to 100% 10/15 PEREMPTORY


AS OF 11/21/25 (SF)

1. IRS filed estimated priority claim 9-1 (STILL NEED AMENDED CLAIM)

2. Trustee Objection:

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$850/month for utilities (JCPL IS $340 per month. Cannot include past due amounts)
$660/month for cable/internet/phone (cable is $332)
$2,000/month for health insurance
$675/month for car insurance ( Premium is $4357 for 6 months)
4 car payments - $422, $408, $241 & $215 (4 car payments are not allowed)
Need proof of excessive expenses 10 days prior to confirmation.

- Verified income leaves monthly disposable income of $7,954.29. (UPDATED PROOF OF INCOME SHOWS DISPOSABLE INCOME OF $8106) WILL NEED 100% PLAN

- There is $195223.14 in non exempt equity in the residence. (Will change when IRS claim is resolved)



Plan proposes $500 x 60 Base w/Min $122,000 to gucs; Refinance by 1/1/26
Payments: 5/8 Arrears: $1500

RESOLVED:
- Need a mortgage statement for the Citizens Bank mortgage. (Claim filed)
- Need a copy of the last filed tax return - for 2024 by 5/15/2025. (RECEIVED)
- Objection filed by Citizens Bank (Lubin) - failure to pay arrears of $15,065.61 -COTBS, pay arrears
- Need a copy of the homeowner's insurance renewal declaration - . Policy provided expires on 6/11/25. (RECEIVED)
- JPMorgan Chase filed arrears claim 20-1 in the amount of $1659.57 which is not addressed in the plan. (OK TO PAY?) mk YES PAY
- Motion for Relief by Citizens Bank 7/23 at 9 (7/23/24 mk; ORDER SUBMITTED =ADDS $7,783.24 to plan
- Need Proof of 2 month's income - . Need January pay stubs for the debtor. Atty says Jan stub w
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-11561 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 9 of 10 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
1131/7/2026 10:00 am25-12786 / CMGPRO SEOrder Vacate Dismissal of Case3rd Party MatterDebtor has made 5 of 9 required payments   Arrears: $2,160.00
12/2 AMT: INTERIM SCH ORDER TO CHABMERS/7 DAY<>

Scheduling Order 341 on or before 12/18 and conf 1/7/26

need to have a 341 if judge grants this and conf 1/7/25


The case is 8 mos old and all of these dox should have been provided months ago.

11/26/25(mk) last night debtor sent 4 emails attaching various dox- the CMA for Ocean Grove is a letter from someone -no id who she is no letterhead just says her opinion- so this is no good. Payment receipt for apparently insurance on ST Croix property - NO declarations of what is covered. Soc Sec letter for Caro Thomas benefits- this is debtor's sister who is a dependent on tax return SP appears to be a Joan Leung-Lo-Hing according to 2024 return submitted. 2024 return show income as IRA distributions and pension income. also sent a sch I & J. DOCS NEED TO BE UPLOADED TO 13DOCS AND SCH J FILED WITH THE COURT

>> NEED MORE TIME TO REVIEW ALL THIS - BUT WHY ARE THEY SUBMIITED 8 MOS AFTER CASE WAS FILED AND THE NIGHT BEFORE THE HEARING??

**PLAN HAS MORTGAGE ARREARS AND SEEMS TO STATE ATTEMPTING A lm


As of 11/17/25(mk):

- no 341 dox submitted

5/8/payments ARREARS 1,620

Order vacating Dismissal entered 9/5/25 required: NOT DONE

x Within 10 days of the date of this Order, Debtor must pay PHH Mortgage Services the post-petition mortgage payments due in the total amount of $7,322.76, and include the mortgage loan number in a memo section of payment. Payment is to be mailed directly
to creditor's payment address: PHH Mortgage Services, Attn: SBRP PO Box 24781,
West Palm Beach, FL 33416

x Debtor must complete and file amended Schedules I and J within 10 days of the date of
this order

x All required 341 documents must be provided to the Trustee by 9/19/25 and request a
rescheduling of the meeting of creditors to be heard on or before 10/23/25.
----------

1. Wells Fargo- debtor's pre petition arrears $38,470 and post pet . over 7,000

2. No 341 hearing has been held
as of now w
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-15277 / CMGStacey L. Mullen, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 7 required payments   Arrears: $8,304.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-15950 / CMGAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 3 required payments   Arrears: $300.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-17112 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $1,000.00
As of 11/18/25(mk):


1. Objection by Covarrubis( Raymond Jr and Raymond & Dianne Sr)(Glenn Reiser, esq.): debtor default in settlement agmt and claim fraud etc.

2. Trustee objection:
-Case should be above median 2023 Tax return income was $138,311, 2024 tax return not provided

- Bank statements from Capital One Bank all 3 accts from June to July prior to filing date

- excessive expense items, such as:
Auto insurance $325. There are no vehicles listed on Sched B and no auto insurance
provided. Business list expense for vehicle.

-Disposable income verifies $2,892. Plan is only proposing $500.


Plan: $500 x 60 begin 8/1/25; Base
3/4 payments

-------------------------
Bank statements for Citizens Bank savings acct#7216 from May - June prior to filing date REC"D
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-17716 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $648.00
1/7/26 PEREMPTORY

As of 11/20/25 (mk):

needs service on NJ manuf.
As of the above date issues still need resolution and No MP has been filed.


1. Trustee obj to the following:
- Must provide pension loan balance statement prior to filing date.
- Service is needed to NJ Manufactured Insurance Co, due to creditor listed on Part 7a of motions to avoid lien.
- IRS filed claim for 7,332.34- plan had IRS $0.

2. Credit Acceptance-2018 Toyota (WILLIAM E. CRAIG) obj to cram. Must resolve obj.

3. Real Time Solutions-2nd mtg (STEVEN KELLY) obj that plan list mortgage as outside, but claim filed with arrears $56,693.46. Obj must be resolved.

Prop Plan $646.86 x 60 begin 8/1/25; Base
3/4 payments

Note: Reviewed the CMA provided and reviewed Zillow and comps used shows dates sold or pending sale, gave estimate $305,000. Zillow valued $356,500. Based on claims filed there is no equity, therefore no updated comps are needed. The bifurcated claim of Credit Acceptance is resolved, due to plan cramming the car.


-----------------------
Must file Pre-confirmation certification. FIled

Bank of New York Mellon-1st mtg (DENISE CARLON) obj to arrears owed are more, no POC filed. Order entered to pay arrears
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-17828 / CMGHerbert B. Raymond, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $219.00
AS OF 11/21/25 (SF)

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

2. State of NJ priority and unsecured claim 5-1 is estimated (NEED AMENDED CLAIM


3. Trustee objection:

-- The debtor has failed to file the required Pre-Confirmation Certification

- Need copy of 2024 tax return


Plan proposes $325 x 60 Base
Payments: 4/4

Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-18242 / CMGRobert H. Johnson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
FYI: order submitted resolving obj to conf of Freedom Mtg. TERMS= pay POC arrears 13,775.58 (mk)



As of 11/21/25 (DS): Debtor atty requested adj to time to modify plan to sell property

As of 11/21/25 (DS): 1. MFR by Freedom Mtg, Debtor in post-pet arrears $5,058.96 as of 11/10/25. Must resolve.

2. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $136.
- Must provide 2 months (June & July) bank statements from PNC Bank and Venmo accts and bank statements from WSFS Bank from 6/13/25 to 8/4/25.
- Excessive expenses: Food $600 and Solar panels $112, no mention of creditor on schedules or on Plan. Must provide proof of expenses 10 days prior to confirmation.
- The Plan fails to specify treatment of US Dept of HUD in the Plan.
- Must file Pre-confirmation cert.

3. Freedom Mtg (BROCK & SCOTT) obj to arrears owed are more, POC filed arrears are $13,775.58

Prop Plan $250 x 12 begin 9/1/25; $500 x 36; $750 x 12; Dollar Base $9,617
Email InquiryMatter ResolvedRequest
Adjournment
1441/7/2026 10:00 am25-18391 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 4 required payments   Arrears: $0
NEED UPDATE FROM CAMDEN TR(mk)


Per email from Finberg's office for 10/25/25 hearing:

10/3/2025 - denied attys. request to adj. 10/15 conf. hearing - no 341; missing documents; no payments - jbd

Confirmation Hearing - NO 341 HEARING (No Docs).

2ND Filing. 1st listing. 1 of 2 payments.

If Debtor submits documents needed to reschedule 341 (2024 Federal Tax Return and Current Photo ID (copy supplied expired in 2024)) and 341 is rescheduled; then Trustee will adjourn. Absent that, Trustee will recommend dismissal.
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-18601 / CMGEugene D. RothConfirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $2,500.00
AS of 11/20/25(mk):Updated

1. Trustee objection:
- debtor not paying all disposable income into the plan:
-There is $20,885.42 disposable net income which is significantly higher than amount on Schedules

-Must file pre conf cert.

plan $2,500 x 60 with minimum $92,076.70 to gucs and sale 6 months
3/3 payments

---------RESOLVED-------------------
- plan has atty fee balance $163, Disclosure has$1750- one of them needs to be corrected .ADD LANG PAY FES PER DISCLOSURE

Objection by OBX2023-NQM3(RAS):
-Plan has sale of property- to date no evidence of sale - no listing no realtor appted. APPL for realtor filed and OTBS ON THIS

- 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
$4,676 non-exempt equity in 2017 Audi Q7
-There is $5,690 non-exempt equity in 2011 Chevy Traverse
-There is $25,701.87 non-exempt equity in Atlantic ATM stock
-There is $15,000 non-exempt equity in P&J Financial stock
TOTAL NON-EXEMPT EQUITY $51,067.87 - PLAN PROPOSES $92,076.70 TO
GENERAL UNSECURE CREDITORS
2. APOC FILED Estimated tax claim by IRS for priorty and secured fixed at $265,240.34- the back up doc to IRS POC shoes a Patrick Ippolito and Nicole Fraser w/ a Residence in PT Peasant. Petition lists debtors home in Fair Haven- who lives in PT Pleasant?(mk that was parents home where lived before buying FH prop in 2022)

Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-18623 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 12/20/25 (SF) PLAN IS NOT FEASIBLE. PROPOSED TRUSTEE PAYMENT ONLY PAYS $246,840 AND NEED $489,797 TO FUND THE PLAN WHICH DOESN'T INCLUDE WELLS FARGO MORTGAGE ARREARS.



1. JPMorgan Chase did not file a claim. Should this creditor be stricken from plan?

2. Objection filed by the State of NJ (Swan) - failure to provide for payment of secured claim

3. Borough of Tinton Falls filed secured claim 5-1 in the amount of $512.69 which is not addressed in plan. (OK TO PAY?)

4. Trustee objection:

- The debtor has failed to file the required Pre-Confirmation Certification

- 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):

-$1,225/food family of 4

-$1,600 Estimated IRS and State NJ taxes, need to provide proof the estimated payments are
being made to allow deduction on Schedule J.

- Schedule C lists "State of New Jersey for consultations and as Court Appointed Trustee on a
case $18,000 with exemption of $11,397 (what is this deduction?)

Plan proposes $4,114 x 60 Base w/min $1241.11 to gucs; Loan Mod in 6 months
Payments: 2/2

RESOLVED:

1. Objection filed by Wells Fargo Bank (Joshua Goldman) - failure to pay arrears of $236,762.87 and speculative loan mod (RESOLVED DO NOT PAY ARREARS PENDING APPROVAL OF LOAN MOD. LOAN MOD BY 2/28/26)

3. Loss Mit Order expires on 12/8/25
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-19218 / CMGJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $200.00
As of 11/21/25 (DS): Debtor atty requested adj to resolve obj and get additional paperwork

As of 11/19/25 (DS): 1. Trustee obj to the following:
- Need DSO Info sheet with full address where notification can be sent. No claim filed this needs to be resolved.
- Debtor income still insufficient, after adding $600 rent from person residing verifies $25.
- Refinance needs to be complete in a shorter period of time.
- There is non-exempt equity $282,977 in the residence and $195,984 in the rental property total $478,961.

2. Shellpoint Mtg (ELIZABETH HOLDREN) obj arrears more, POC filed with arrears $30,579.85. Must resolve.

Prop Plan $200 x 36 begin 10/1/25; 100% and Refinance on Silverlake Rd by 3/2027
Note: Debtor cert states to begin receiving $600 rent from person residing at Millbrook Rd property, income still insufficient verifies $25.
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-19493 / CMGDennis M. Mahoney, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $300.00
issues as of 11/21/2025 (JMA) ADJOURNMENT REQUEST, DEBTOR HAS A NEW JOB AND HAS ONLY RECEIVED 1 PAY STUB. NEED TO SUBMIT POI & AMENDED SCHEDULES E, I, J AND MODIFIED PLAN

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification -STILL NOT FILED
- Need amended Schedule I and proof of income for co-debtor's new job that started 10/21/25 at Middlesex County Board of Social Services - NOT PROVIDED TO DATE
- The income for the debtor verifies higher ($5,93)4 than scheduled ($3,644).
2) Reviewing the paystubs
proposed plan $300x36 base plan
paid in $300
last claim 17-1
Email InquiryMatter ResolvedRequest
Adjournment
1661/7/2026 10:00 am25-19506 / CMGLawrence W. Luttrell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $5,987.00
341 now on 12/11/25


AS OF 11/19/25 (SF) ADJ REQUEST DENIED


341 not held - missing documents
payments: 1/2
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-19590 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $697.00
As of 11/21/25 (DS): Debtor atty requested adj 341 sched 12/4/25
Email InquiryMatter ResolvedRequest
Adjournment
1681/7/2026 10:00 am25-19619 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 3 required payments   Arrears: $900.00

341 date 12/18

mk: no TFS payments are seheduledd for this new case 0/2 payments


issues as of 11/19/2025 (JMA)

1) 341 not held, not rescheduled - missing documents
2) No Trustee plan payment to date, arrears $600

proposed plan $300x60 100% plan loan mod by 4/2026
paid in $0
arrears $600
last claim 1-1
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-19765 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $287.00
As of 11/21/25 (DS): Debtor atty requested adj, 341 sched 12/11/25
Email InquiryMatter ResolvedRequest
Adjournment
1721/7/2026 10:00 am25-19775 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $282.00
As of 11/25/25 (DS): Debtor atty requested adj, 341 sched 12/11/25, Debtor paid $1,130.50 11/25/25.

11/5/25 (SF) Adj request denied. Debtor is not current with payments
Email InquiryMatter ResolvedRequest
Adjournment
1741/7/2026 10:00 am25-19804 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
mk: tfs payments set up for 11/24- Processing and Dec 28


11/21/25 (sf) Adj request denied, no payments. Need copy of payment receipt


341 not held - rescheduled to 12/11/25
No payments: 0/2 Arrears: $1600
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-19979 / CMGEugene D. RothConfirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $5,074.00
As of 11/24/25 (DS): Debtor atty requested adj and provided proof of TFS payment $2,544.99 made 11/21/25. Will adj to 1/7/25, 12/17/25 is avoided

As of 11/19/25 (DS): 1. Debtor in arrears $5,074, made 0 out of 2 payments.

2. Trustee obj to the following:
- Must provide 2024 Tax return (only provided 1st page) and Citizens Bank for 9/2025.
- Attorney fees on disclosure $2,250 and plan $2,375 do not agree. One of these must be amended.
- Must service Estate of Eugene Fariello listed in Plan motions.
- Disposable income verifies $3,033.
- Debtor has failed to file a feasible plan.
- Must file Pre-confirmation Cert.

3. US Bank (LAURA EGERMAN) obj to arrears owed and sale being speculative. Must resolve.

4. MMU, LLC (RAGAN & RAGAN) obj cram. Must resolve.

Prop Plan $2,537 x 60 begin 10/1/25; Dollar Base $216,328 and Sale of Tennent Rd 6 months post-conf
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-20250 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,000.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-20738 / CMGEdward Hanratty, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-20819 / CMGFrances A. Tomes, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $6,338.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21016 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21130 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $800.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21168 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $150.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21371 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $600.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21405 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $352.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21429 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $4,000.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21441 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $7,794.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21473 / CMGMark N. Glyptis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $3,096.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21479 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledContinued
1/28/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $960.00
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21486 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,200.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21491 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,208.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21494 / CMGScott E. Tanne, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,300.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21511 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,000.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21569 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $300.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21661 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $375.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21684 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21778 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,100.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21784 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $530.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21809 / CMGMichael L. Detzky, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $2,402.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21831 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21835 / CMGMark N. Glyptis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $756.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21879 / CMGAndy Winchell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $200.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21892 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21905 / CMGWilliam S. Wolfson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21924 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $357.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21926 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $204.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21943 / CMGWarren Brumel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $2,000.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21946 / CMGTamika N. Wyche, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21987 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-21991 / CMGHerbert B. Raymond, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $700.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-22031 / CMGPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $8,450.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-22074 / CMGTamika N. Wyche, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $336.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-22148 / CMGFrancis P. Cullari, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $795.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-22240 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $400.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 10:00 am25-22266 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $800.00
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 11:00 am25-22866 / CMGDaniel E. Straffi, Esq.Order Show CauseWithdrawn
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 12:00 pm22-14517 / CMGKarina Pia Lucid, Esq.Motion Compensation3rd Party Matterno cert of service
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 12:00 pm25-13041 / CMGAllen I. Gorski, Esq.Motion CompensationNo Opposition Filedtotal fees 16,224,56
$1,224.56 through the Chapter 13 plan ..
$15,000.00 outside the plan from Nieschmidt Law Office trust account.
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 12:00 pm25-20082 / CMGMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
01/7/2026 2:00 pm24-18587 / CMGEdward Hanratty, Esq.Motion CompensationNo Opposition Filedcert of service for this ??
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes