ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Eamonn J. O'Hagan

Hearing Date: 4/29/2026
Last Updated: 4/30/2026 6:51 PM
Type an attorney name, case number, or disposition in the box below to filter results.
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryRequest
Adjournment
4/29/2026 9:00 am19-19744 / EJOPeter E. Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnDebtor obj<>PLAN WILL NOT COMPLETE TIMELY DUE TO MEADOW WOODS ORDER ADDING $6,800 TO PLAN
Email InquiryRequest
Adjournment
4/29/2026 9:00 am19-31472 / EJORobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnamt: made pymts/owes April & will complete timely.<>

3/13 AMT: DEBTOR NOW OWES MARCH & WILL COMPLETE TIMELY<>

PER ATTY, DEBTOR HAS PENDING PAYMENTS TO CURE ARREARAGE; ATTY WILL APPEAR TO REQUEST ADJ FOR FUNDS TO POST<>

AMT: PPSD TR ORDER - $73,231 PTD (75); $ 1,318 X 9 BEG 3/1/26 (EMAIL TO ATTY)<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am19-33180 / EJOMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnAMT: PIF/PENDING CLOSING AUDIT<>

Debtor obj<>FAILED TO PAY PLAN BAL
Email InquiryRequest
Adjournment
4/29/2026 9:00 am21-13690 / EJOJeffrey E. Jenkins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order to be SubmittedOTBS with creditor - stay to be reinstated

Trustee Limited OBJ; Fay Servicing obj (Friedman Vartolo)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am21-16957 / EJOCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am21-17242 / EJOSCOTT C PYFERMotion for Relief from StayOrder to be SubmittedRELISTED 10/1/25 was otbs<>

Debtor obj<>HSBC BANK (RAS)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am21-19243 / EJOScott J. Goldstein, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnamt: arrears cured/owes April & will complete timely. <>

AMT: ARREARS CURED/OWED MARCH & WILL COMPLETE TIMELY<>

AMT: PER ATTY, DEBTOR WANTS TO CURE IN MARCH;WILL REVIEW FOR PYMTS AND RECAP IF NECESSARY<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am22-12095 / EJOJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
5/20/2026 9:00 am
AMT: MP 5/20

Debtor obj, filing MP for refi<>ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am22-12452 / EJORobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
5/20/2026 9:00 am
AMT: MP 5/20 **NEEDS TO SUBMIT ADJ REQUEST<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am22-12621 / EJOMaureen Vella, Esq.Creditor Certification of DefaultContinued
5/20/2026 9:00 am
amt: debtor agrees to conduit/creditor will advise<>

AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> RUSHMORE (Romano Garubo)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am22-15527 / EJOCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT: PPSD TR ORDER - $ 32,150 PTD (45); $ 500 LUMP SUM (PENDING TFS); $ 610 X 15 BEGF 5/1/26 (atty ok)<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am22-15920 / EJOKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnAMT: ARREARS PD/WILL COMPLETE TIMELY<>

ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am22-16380 / EJOThomas J. Orr, Esq.Motion Relief from Stay (Fee)Continued
5/20/2026 9:00 am
ADJ to 5/20 Peremptory
ADJ to 4/29 for debtor to be current (dm)

AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>CARRINGTON MTG (STERN & EISENBERG)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am22-18221 / EJOBrad J. Sadek, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawn4/28 AMT: ARREARS CURED/PLAN WILL COMPLETE TIMELY (EMAILED ATTY)<>

AMT: $62,725 PTD (42): $ 1,512 X 18 BEG 5/1/26 (EMAIL TO ATTY)<>

Debtor obj, will pay<>ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am22-18878 / EJONicholas Fitzgerald, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT: - $15,122 PTD (41); $ 338 X 19 BEG 5/1/26 (ATTY ok)<>

Debtor obj, will pay<>ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am22-20142 / EJOJohn Zimnis, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>SELECT PORTFOLIO (RAS)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am22-20214 / EJOKevin C. Fayette, Esq.Motion Relief from Stay (Fee)Order to be SubmittedConduit on future default
AMT; TRUSTEE CONDUIT REQUEST<>

Debtor obj<>MOVEMENT MTG LLC (STERN & EISENBERG)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am23-10314 / EJOS. Daniel Hutchison, Esq.Motion to Cancel and Discharge LienGrantedMTN TO CANCEL DICHARGE/POLICE & FIRE FCU
Email InquiryRequest
Adjournment
4/29/2026 9:00 am23-10314 / EJOS. Daniel Hutchison, Esq.Motion to Cancel and Discharge LienGrantedMTN TO CANCEL DISCHARGE/VIRTURA HOSPITAL
Email InquiryRequest
Adjournment
4/29/2026 9:00 am23-10314 / EJOS. Daniel Hutchison, Esq.Motion to Cancel and Discharge LienGrantedMTN TO CANCEL DISCHARGE/MIDLAND CREDIT
Email InquiryRequest
Adjournment
4/29/2026 9:00 am23-11264 / EJOThomas J. Orr, Esq.Creditor Certification of DefaultGrantedamt: trustee conduit request<>

Debtor obj (*** WITHDRAWN**) <> FREEDOM MTG (POWERS)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am23-11786 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
5/20/2026 9:00 am
Debtor obj<>FAILED TO LM BY 6/30/25; EXT LOSS MIT EXPIRED 3/7/26
Email InquiryRequest
Adjournment
4/29/2026 9:00 am23-11906 / EJOJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayOrder Previously SubmittedDebtor obj<>ROCKET MTG/QUICKEN LOAN (STERN & EISENBERG)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am23-12656 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
6/10/2026 9:00 am
Debtor obj<>FAILED TO FILE MOTION TO MOVE AGAINST WELLS FARGO #12-1 WITHIN 30 DAYS OF 6/28/23 CONF
Email InquiryRequest
Adjournment
4/29/2026 9:00 am23-18035 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnMP scheduled for 4/29/26 > HR<>

Debtor obj<>FAILED TO LM BY 3/31/25; EXTENDED LOSS MIT EXPIRED 12/2/25; 2ND APP TO EXTEND LOSS MIT W/D ON 2/25/26
Email InquiryRequest
Adjournment
4/29/2026 9:00 am23-18445 / EJORussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnamt: current/will complete timely<>

Debtor obj, will pay<>ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am23-20954 / EJOThomas J. Orr, Esq.Motion Relief from Stay (Fee)Continued
5/20/2026 9:00 am
Debtor obj<>WELLS FARGO BANK (RAS)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am23-20954 / EJOThomas J. Orr, Esq.Motion Relief from Stay (Fee)WithdrawnDebtor obj<>FLAGSHIP FINC (THOMAS DOMINCZYK)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am23-21366 / EJOLaurence R. Sheller, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)GrantedDebtor is 3 Trustee payments behind (dm)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am23-21660 / EJOYakov Rudikh, Esq.Motion Relief from Stay (Fee)Continued
5/20/2026 9:00 am
Debtor obj<>ROCKET MTG (McCALLA)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am24-10136 / EJODaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS; FAILED TO TURNOVER N/E PROCEEDS FROM WC BY 3/1/26
Email InquiryRequest
Adjournment
4/29/2026 9:00 am24-13841 / EJOKevin C. Fayette, Esq.Creditor Certification of DefaultContinued
5/20/2026 9:00 am
Debtor obj<> CREDIT ACCEPTANCE (Eisenberg Gold)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am24-15681 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
5/20/2026 9:00 am
Debtor obj<>FAILED TO LM BY 2/28/25; EXTENDED LOSS MIT EXPIRED 3/6/26
Email InquiryRequest
Adjournment
4/29/2026 9:00 am24-16369 / EJODaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedDebtor obj<>ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am24-16811 / EJOJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
5/20/2026 9:00 am
Motion to Sell pending 5/20/26 & another MP scheduled 5/20/26 (dm)

Debtor obj<>FAILED TO SELL BY 2/1/26; ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am24-18838 / EJORichard F. Fried, Esq.Motion Relief from Stay (Fee)Continued
5/20/2026 9:00 am
NA by creditor Atty - Per AR ADJ to 5/20 - debtor Atty to notice the creditor Atty (dm)

Debtor Obj, filing MP <> SUBURBANK PARTNERS/LANDLORD (TRENK ISABEL)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am24-19074 / EJOGeorge E. Veitengruber, III, Esq.Creditor Certification of DefaultContinued
5/20/2026 9:00 am
ADJ to 5/20 for McCalla to confirm conduit requested by debtor Atty (dm)

AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> M&T BANK(McCalla)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am24-19299 / EJOAndre L. Kydala, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
5/20/2026 9:00 am
Per Atty, remaining balance should be available within 2 weeks - ADJ to 5/20 (dm)

1/8 AMT: ATTY REQUESTED PAYOFF TO REMIT FUNDS,<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am24-22571 / EJOWarren Brumel, Esq.Motion Relief from Stay (Fee)GrantedSELENE FINC (RAS)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am24-22670 / EJORobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedSV/NEWREZ; ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-10051 / EJORobert Cameron Legg, Esq.Creditor Certification of DefaultWithdrawnAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> CARRINGTON (Hill Wallack)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-11186 / EJOJohn Zimnis, Esq.Motion Motion (Generic) - Only use if no other event is applicableWithdrawnMTN APPROVING SETTLEMENT OF CONTROVERSY
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-11186 / EJOJohn Zimnis, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedMTN APPV SETTLEMENT OF CONTROVERSY

Case confirmed at 100% (dm)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-11186 / EJOJohn Zimnis, Esq.Notice of SettlementNo Opposition FiledTr obj, mtn needs to be filed<> NTC OF SETTLEMENT

Motion to Approve Settlement - 4/29/26 (dm)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-11208 / EJORichard F. Fried, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
6/10/2026 9:00 am
Per AR - ADJ to 6/10 - MP within 14 days (wants to MP to push increased tier out to July when debtor expects increased income that didn't happen in February when confirmed tier increased)

ADJ to 4/8 for Atty to talk to debtor about increased Trustee tier payments (dm)

Debtor obj<>FAILED TO LM BY 11/17/25

Motion to Extend Loss Mit granted - Loss Mit extended to 6/19/26 (dm)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-12233 / EJOMITCHELL LEE CHAMBERS, ESQ.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-12396 / EJODavid G. Beslow, Esq.Motion Relief from Co-Debtor StayContinued
7/22/2026 9:00 am
AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>LAKEVIEW LOAN (BROCK & SCOTT)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-12877 / EJORobert Manchel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-13819 / EJODavid G. Beslow, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnAMT: CONDUIT ORDER SUBMITTED TO CHAMBERS 4/3<>

AMT: TR MTN CAN BE W/D IF CONDUIT ORDER ON MFR IS ENTERED<>

ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-13964 / EJOEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToOrder to be SubmittedTrustee OBJ - motion not served (SEE DOC #61)

MTN EXPUNGE CLM#7 (Atty intends to withdraw the POC)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-14056 / EJOMelinda D. Middlebrooks, Esq.Motion File Claim After Claims Bar DateGrantedCert of Service file (Doc #64) - dm

MTN ALLOWING LATE CLM OF CONDO ASSN (HILL)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-14056 / EJOMelinda D. Middlebrooks, Esq.Motion Relief from Stay (Fee)Continued
5/20/2026 9:00 am
Debtor obj<>WILMINGTON SAVINGS (HLADIK ONORATO)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-14343 / EJOMoshe Rothenberg, Esq.MotionContinued
5/20/2026 9:00 am
peremptory
Consent ADJ to 4/29
FIRST FINANCIAL FCU MTN TO OBTAIN ORDER WITH 2 YR BAR
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-14358 / EJORobert Manchel, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>US BANK NAT'L ASSOC (RAS) - boat
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-14358 / EJORobert Manchel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnamt: 4/29 , submitting conduit order on 4/8 mfr. Woerner rep wells in 4/29 mfr and indicated resolution should not impact plan<>

Debtor obj, will pay by 4/18<>ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-14625 / EJOPRO SEMotion Relief from Co-Debtor StayMoot - DismissedMoot Dismissed per Chambers

EXETER FINC (EISENBERG, GOLD)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-15011 / EJODaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
6/10/2026 9:00 am
MP 4/29 **PLAN DENIED**<>

Note - per AR request, the Listing Agreement was uploaded 3/17/26 (dm)

Debtor obj<>FAILED TO LM BY 12/1/25
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-15049 / EJOEdward Hanratty, Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)WithdrawnCourt entered amended sale Order (Doc #114) with LLC as the buyer (dm)

Amended Order - see Doc #111

PROPERTY #1117
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-16058 / EJOJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedDebtor obj, requests recap<>ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-16616 / EJOMarc C. Capone, Esq.Trustee Certification of DefaultContinued
6/10/2026 9:00 am
atty agreed pyt to post by 6-10
Per AR - ADJ to 4/8

Debtor obj filing MP to sell <> ARREARS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-16926 / EJOLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton)WithdrawnAMT: MP 4/29<> HR

ADJ to 4/29 Peremptory on all issues


Debtor obj<>DEBTOR'S PLAN WAS DENIED ON 12/3/25 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-17166 / EJOJohn Zimnis, Esq.Motion SellGrantedCert of Service filed (Doc #46) - dm

MTN SELL PROPERTY #390

Trustee OBJ - Motion not served (dm)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-17166 / EJOJohn Zimnis, Esq.Motion Relief from Stay (Fee)Continued
7/22/2026 9:00 am
Debtor obj<>NEW JERSEY HOUSING AND MTG FINC (KML)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-17587 / EJOJames J. Cerbone, Esq.Creditor Certification of DefaultContinued
5/20/2026 9:00 am
amt: trustee conduit request<>

Debtor obj<> US BANK (Padgett law)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-17588 / EJOJames J. Cerbone, Esq.Creditor Certification of DefaultGrantedcerbone wd obj

Per creditor Atty $9,075.02 pp arrears - debtor may have funds from a bonus before 5/20 per debtor Atty

AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> US BANK (1st mtg) (Friedman Vartolo)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-17881 / EJORobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
7/1/2026 9:00 am
ADJ to 7/1 for Loss Mit App or Motion to Reopen Loss Mit

Debtor obj<>FAILED TO LM BY 3/16/26
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-18106 / EJORussell L. Low, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)DeniedNA
Trustee OBJ
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-18192 / EJODaniel E. Straffi, Esq.Motion Relief from Stay (Fee)GrantedDebtor obj<>ALLY BANK (McCALLA)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-18251 / EJOScott E. Tanne, Esq.Motion Withdraw As AttorneyOn the PapersScott Tanne is retiring - nothing pending before the Court and debtor is current on Trustee payments (dm)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-18336 / EJOKirsten B. Ennis, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedAR will object if there is further default without conduit (dm)
ADJ to 4/8 on creditor response on Conduit (dm)
AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>LAKEVIEW LOAN (STERN LAVINTHAL)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-18634 / EJOSteven J. Abelson, Esq.Motion File Claim After Claims Bar DateGrantedCert of Service file (Doc #24) - dm

LATE POC OF HILL WALLACK (HILL)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-18654 / EJOJames J. Cerbone, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
5/20/2026 9:00 am
MTN EXPUNGE CLM#4/ WILIMINGTON SAVINGS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-18654 / EJOJames J. Cerbone, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
5/20/2026 9:00 am
MTN EXPUNGE CLM#3/WILMINGTON SAVINGS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-19164 / EJOJames J. Cerbone, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>PRESTIGE FINC (STEWART)
CAR L0AN
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-19164 / EJOJames J. Cerbone, Esq.Motion Relief from Co-Debtor StayContinued
5/20/2026 9:00 am
Debtor Atty okay with Conduit - ADJ to 5/20 for KML to check on Conduit (dm)

amt: trustee conduit request<>

Debtor obj<>FEDERAL HOME LOAN MTG (KML)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-19164 / EJOJames J. Cerbone, Esq.Creditor Certification of DefaultWithdrawnDebtor obj<> WELLS FARGO (Brock & Scott)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-19187 / EJOWarren Brumel, Esq.Motion Relief from Co-Debtor StayOrder Previously SubmittedRevised order submitted to Chambers on 4/8/26 (dm)

Debtor obj<>WELLS FARGO BANK (LOGS)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-19225 / EJOJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>FINANCIAL SERVICES VEHICLE TRUST (STEWART)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-19577 / EJOSteven J. Abelson, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>LEGACY MTG (McCALLA)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-19953 / EJOAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)Continued
5/20/2026 9:00 am
Debtor obj<>TOYOTA MOTOR (STEWART)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-20222 / EJODavid G. Beslow, Esq.Motion Withdraw As AttorneyOn the PapersScott Tanne is retiring - nothing pending before the Court and debtor is current on Trustee payments (dm)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-20329 / EJOJeanie D. Wiesner, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj, will make pymt and proposes recap<>ONSLOW BAY FINC (STERN LAVINTHAL)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-20839 / EJOJohn Zimnis, Esq.Motion Relief from Stay (Fee)Continued
5/20/2026 9:00 am
ADJ to 5/20 - debtor Atty okay with conduit - creditor Atty to check on conduit

AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj, will pay<>US BANK TRUST COMP NAT'L ASSOC (McCALLA)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-21444 / EJOGeorge E. Veitengruber, III, Esq.Motion Relief from Co-Debtor StayMoot - DismissedFAY SERVICING (GROSS)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-21553 / EJOMaryBeth Schroeder, Esq.Motion Relief from Co-Debtor StayContinued
5/20/2026 9:00 am
Debtor obj<>DEUTSCHE BANK (LOGS)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-21852 / EJOYakov Rudikh, Esq.Motion Relief from Co-Debtor StayConduit / OTBSAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>US BANK TRUST COMP NAT'L ASSOC (PADGETT)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-22026 / EJOPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
5/28/2026 10:00 am
CONV OR DISMISS
No Opp filed

AMT: MP 4/29 ** recommend dismissal**<>

PLAN WAS DENIED ON 2/25/26 AND FAILED TO FILE MP IN 30 DAYS
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-22026 / EJOPRO SEMotion Relief from Stay (Fee)Order to be SubmittedORDER TO CARVE OUT DUNNELEN PTY
ADJ TO SEE IF CASE DISMISSED OR CONV IF CONV ADJ TO CHP 7 DATE
No Opp filed

PRIYA THOMAS (McNALLY LAW)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-22026 / EJOPRO SERequest for Loss MitigationDeniedDenied by EJO

Wells Fargo obj (RAS)<> REQUEST FOR LOSS MIT
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-22298 / EJOJenee K. Ciccarelli, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramGrantedLOSS MIT/PHH MTG
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-22662 / EJOMatthew Gross, Esq.Motion ReconsiderDeniedNA
4/28/26 (Debtor's attorney office says debtor has $6515 to remit to us but we will not receive it in time via the mail. Advised to send us a copy of the receipt or check and appear tomorrow to request adjournment


341 Documents Received but no Trustee payments have been made (dm)
ADJ to 4/8 for tax return ... note that POC (9-1) is 2nd lien (dm)

Trustee OBJ; Debtor response<>Motion to Vacate Dismissal
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-22777 / EJODaniel E. Straffi, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedMTN REDACT FILED DOCS (RAS)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-22800 / EJOYakov Rudikh, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>WESTLAKE SERVICES (McCALLA)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-22825 / EJOThomas G. Egner, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>WESKLAKE SERVICES (McCALLA) - 2014 Audi Q7
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-23133 / EJOPRO SEMotion to Vacate DismissalDeniedNA
Trustee OBJ
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-23664 / EJOBruce C. Truesdale, Esq.Motion Relief from Stay (Fee)Continued
5/20/2026 9:00 am
NEW JERSEY HOUSING AND MTG FINC AGENCY (STERN LAVINTHAL)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am25-23763 / EJOMarc C. Capone, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedDebtor obj<> US BANK (RAS)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am26-10502 / EJOPaul N. Mirabelli, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order to be SubmittedConf. should be set for 6/10
Email InquiryRequest
Adjournment
4/29/2026 9:00 am26-10628 / EJOKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
5/20/2026 9:00 am
amt: MP 5/20

Debtor obj<>PLAN WAS DENIED ON 3/18/26 AND FAILED TO FILE MP
Email InquiryRequest
Adjournment
4/29/2026 9:00 am26-10680 / EJOJohn D. DiCiurcio, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
5/20/2026 9:00 am
US Bank objection (RAS)<>MTN TO VACATE DISMISSAL

Trustee OBJ
Email InquiryRequest
Adjournment
4/29/2026 9:00 am26-10764 / EJOAndre L. Kydala, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedMTN CONDUCT 341 WITH POA - okay per AR

Trustee OBJ
Email InquiryRequest
Adjournment
4/29/2026 9:00 am26-11290 / EJOPRO SEMotion Relief from Stay (Fee)GrantedKRIEGMAN & SMITH/LANDLORD (ANTHONY LANDOLFI)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am26-11485 / EJOEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
5/28/2026 10:00 am
ADJ to 5/28 for service on Mr. Marsh, the atty in the POC

MTN EXPUNGE CLM#3,4 &5
Email InquiryRequest
Adjournment
4/29/2026 9:00 am26-11674 / EJODaniel E. Straffi, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramContinued
6/10/2026 9:00 am
NewRez obj ( freidman vartolo)<>LOSS MIT/SHELLPOINT
Email InquiryRequest
Adjournment
4/29/2026 9:00 am26-11751 / EJOThomas G. Egner, Esq.Motion Impose Automatic StayContinued
5/20/2026 9:00 am
Parties working on a consent order - ADJ to 5/20/26 (dm)

NJ Div Tax Obj (Bao Ngo, Esq)

MTN IMPOSE STAY - NEW JERSEY DIV OF TAXATION
Email InquiryRequest
Adjournment
4/29/2026 9:00 am26-12312 / EJOPRO SEMotion Relief from Stay (Fee)Continued
5/21/2026 10:00 am
5/21 @ 10 AM by Zoom - Ch. 7 day

Debtor obj<>AGNIESZKA DOLINSKI LAND LORD POST PET DUE FR MARCH 15 (ABELSON)
Email InquiryRequest
Adjournment
4/29/2026 9:00 am26-13475 / EJOLee M. Perlman, Esq.Motion Extend TimeGrantedMTN EXT STAY
Email InquiryRequest
Adjournment
4/29/2026 9:00 am26-13522 / EJOScott J. Goldstein, Esq.Motion Extend TimeGrantedMTN EXT STAY
Email InquiryRequest
Adjournment
4/29/2026 9:00 am26-13704 / EJOJoan Sirkis Warren, Esq.Motion Extend TimeContinued
5/20/2026 9:00 am
Bridge Order to 5/20/26

MTN EXT STAY

Trustee OBJ
Email InquiryRequest
Adjournment
4/29/2026 9:00 am26-14324 / EJOJeanie D. Wiesner, Esq.Order Shorten TimeContinued
5/20/2026 9:00 am
Per AR - ADJ to 5/20 with Bridge Order
- need docs
- need Plan

Cert of Service - Doc #11

OST - MOTION TO EXT STAY
Email InquiryRequest
Adjournment
4/29/2026 10:00 am23-18035 / EJOJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 23 of 31 required payments   Arrears: $0
updated 4/28/2026 (JMA)

OK TO CONFIRM AT $11,201 PAID TO DATE, $505X29 BEGIN 5/1/2026 BASE PLAN (LOW BASE UNTIL LUMP SUM PAID)
-COTBS FROM NEWREZ LLC APPROVING PAYMENT TOWARDS ARREARS
-DEBTOR AGREES TO USE OF FUNDS FROM WORKERS COMPENSATION SETTLEMENT/AWARD AND FROM SALE OF FAMILY MEMBERS PROPERTY TO FUND THE LUMP SUM PAYMENT WITHIN 6 MONTHS OF CONFIRMATION OF THIS MODIFIED PLAN

issues as of 4/20/2026 (JMA)

1) Due to denial of loan modification, plan is modified to cure pre-petition arrears owed to secured creditor on residence. Debtor
proposes to continue trustee payments per prior orders and use funds from workers compensation settlement/award and from
proceeds of sale of family member's property to fund lump sum payment within 6 months of confirmation of modified plan.
2) NewRez LLC d./b/a Shellpoint Mortgage Servicing (McCalla Raymer) objection to confirmation - PER CREDITOR ATTY OK TO PAY ARREARS PENDING LUMP SUM IN MODIFIED PLAN. DEBTOR IS TO SECURE FUNDS WITHIN 6 MONTHS
- Secured creditor filed proof of claim with arrears of $132,324.09.
- Debtor's proposed budget is insufficient to make the proposed plan payments.
- Plan should be denied for lack of feasibility.

proposed plan $250x5; $297x11; $312x2, $505x42 base plan
paid in $11,202
29 months to go
Email InquiryRequest
Adjournment
4/29/2026 10:00 am24-16088 / EJOJames J. Cerbone, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 20 of 22 required payments   Arrears: $0
as of 4/20/2026 (JMA)

OK TO CONFIRM AT $18,703 PAID TO DATE, $398X38 BEGIN 5/1/2026 WHICH INCLUDES MINIMUM $15,000 TO GUCS

proposed plan $398x60 minimum $15,000 to gucs
paid in $18,703
38 months to go
Email InquiryRequest
Adjournment
4/29/2026 10:00 am24-16121 / EJORobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanContinued
5/20/2026 10:00 am
Debtor has made 17 of 22 required payments   Arrears: $1,895.00
ISSUES AS OF 4/20/2026 (DM):

1) Need amended POC or consent order with the IRS to pay $2,084 post-petition claim (UNRESOLVED.) - AMD POC FILED 4/29/26.

2) Need proof that estate property was sold at Sheriff's Sale (UNRESOLVED.)

3) Need amended Sch I&J if estate property was sold and now IF debtors have a rent expense (UNRESOLVED.)


Confirmed Case: $2,289 Ptd, $370 x 30, Base Plan
- plus non-exempt proceeds from the estate of Gwendolyn Jones.
Prop. MP: $370 x 19, $205 x 2, $262 x 39, $0 Plan.
- estate property sold at Sheriff's Sale.
PTD = $6,049, Arrears $1,460 as MP filed in Jan.
Last Claim (21-2) dated 3/24/26
Email InquiryRequest
Adjournment
4/29/2026 10:00 am24-16811 / EJOJames J. Cerbone, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 18 of 21 required payments   Arrears: $25.00
Recommend Denial of MP Doc #43

MP Doc #76 filed and scheduled for 5/20/26
Email InquiryRequest
Adjournment
4/29/2026 10:00 am24-19403 / EJOStacey L. Mullen, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 17 of 19 required payments   Arrears: $0
AS OF 4/22/26 (SF)

RECOMMEND $8,367 PTD, $835 X 41 (BEGIN 5/1/26) 0% Plan
- Student loans to be paid outside plan



MP proposes $511 x 5; $795 x 42 0% Plan
Plan has run 19 months with 41 months remaining
Add pp arrears for Ally Capital


Note - MFR by Ally Capital is adding $10,472.98 to the Plan per the OTBS (dm)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-10796 / EJOStacey L. Mullen, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 15 of 15 required payments   Arrears: $0
As of 4/16/26(mk): Atty accepts terms

Work up on Plan #58 PLAN SURRENDERS THE REAL PROPERTY SO AND THE CONDO ASSOC HAS SV AND LAKEVIEW HAS A CREDIOTR CERT OF DEFAULT WHICH WILL BE GRANTED ONCE THE DEALINE PASSES SO..

**CAN REC CONFIRM AT $7,500 PTD Then $450 x 27 Begin 5/1/26 Base
Needs order to pay suppl fees of $700 thru plan**


- There is SV by Florence Condo assoc
-Creditor( lakeview Loan( S. Kelly) filed a cert of default obj deadline is 4/23/26

1. Objection by Tollgate Condo Assoc( Simeone & Raynor):Plan provides no payment for creditor(mk : that is b/c plan surrenders the real property and you have stay vacate)


MP proposes $500 X 8; $515 X 6; $450 X 28; BASE
PLAN REMOVES LAKEVIEW LOAN AND FLORENCE TOLLGATE DUE TO SURRENDERING PROPERTY



Prior conf$4500 PTD (10 MOS) $515 X 50 BEG 12/1/25 ; 0%
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-11041 / EJOPeter E. Zimnis, Esq.Confirmation Hearing on Modified PlanContinued
6/10/2026 10:00 am
Debtor has made 12 of 15 required payments   Arrears: $132.00
ISSUES AS OF 4/20/2026 (DM):

1) Trustee OBJ:
- Need updated proof of income (UNRESOLVED.)
- Need amended Sch I&J (UNRESOLVED.)
- Need 2025 tax returns (UNRESOLVED.)


Confirmed Case: $9,264 Ptd, $1,066 x 48, 100% Plan
- student loans outside plan.
Prop. MP: $10,330 Ptd, $500 x 47, 100% Plan.
- Loan Mod is complete.
PTD = $10,830, Arrears $0 as MP filed.
Last Claim (8-2) dated 3/26/26
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-13825 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 11 of 12 required payments   Arrears: $200.00
Per AR - Plan denied with explanation of $1,500 car payments
AS OF 4/23/26 (SF)

1. Need explanation for language in part 7c of the plan. Is this a cram of the lien to zero? Are we to set up an unsecured cram balance? (Creditor secured claim will be crammed to zero and $17,709.09 will be set up as unsecured)

2. Schedule J lists an auto payment of $1521 for a 2023 GMC Yukon. The proof of claim was filed as unsecured which appears to be an error. An amended claim will be needed.(STILL NEED)

3. Schedules I and J were amended. Debtor is cramming USSA Federal Savings Bank for 2019 RV so payment of $617 should be removed from Schedule J. (REDUCED EXPENSES BY $617)

4. Need updated proof of temporary disability and updated profit and loss statements for business. (DOES DEBTOR STILL RECEIVE DISABILITY? Just started a new job and 1 pay stub has been supplied)

5. Trustee objection:

- The debtor(s) plan consists of unnecessary or Excessive expense items, such as: $1,521 & $617/month car payments $250/month for timeshare (luxury item) (Amended Schedule J removes timeshare. Reduced expenses by $617 for RV. Debtor is no longer paying due to cram and $859 for Yukon)

- Verified income leaves monthly disposable income of $1,400. (This will change once disability income is provided)


- Need 6 months Profit and Loss statement for the Della Fusion Spa LLC (PROFIT AND LOSS MAKES NO SENSE. DEBTOR GROSSES $2920.32 PER MONTH AND EXPENSES ARE $11,065 PER MONTH)

(UPDATED PROFIT AND LOSS STATEMENT PROVIDED) NEED BUSINESS QUESTIONNAIRE, NOT PROVIDED)


Plan proposes $200 x 12; $1000 x 48 Base
Payments: 11/12 Arrears: $200


RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)

- Need a current market analysis - with comparatives sold within 6 months of filing. (Moot. Using Zillow there is still no equity)

- NewReZ LLC filed arrears claim 11-1 in the amount of $3792.62 which is not addressed in the plan (OK TO PAY?
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-13964 / EJOEdward Hanratty, Esq.Confirmation Hearing on Modified PlanContinued
5/20/2026 10:00 am
Debtor has made 7 of 9 required payments   Arrears: $0
ISSUES AS OF 4/20/2026 (DM): claim 7 should be withdraw in the OTBS motion. Tax return uploaded.

 Commercial rent checks are uploaded for AR to review - Atty will upload specific check for AR to review (DOCS UPLOADED ON 3/18/26 FOR AR REVIEW.)

 AR wants financials including P&L prepared by his accountant

 Need outcome of adversary proceeding filed by Thomas Cordingley (SUMMARY JUDGMENT IS SCHEDULED FOR 4/23/26. Per Atty, Adv Pro is resolved using non-debtor funds.)

1) Plan provides $2,632.40 secured treatment to Monmouth Heights Pool Club (Homeowner's Assn.) - Monmouth Heights at Freehold Recreation Assoc filed a bifurcated claim for $1,538.90 secured and $1,093.50 unsecured with $0 arrears (PAY POC AS FILED?? - Consent Order to pay $2,632.40 as secured submitted to Chambers 3/30/36.)

2) Part 9 of the Plan provides that the Audi will be surrendered but Part 5f provides secured unaffected treatment which is inconsistent (UNRESOLVED UNLESS WE ARE TREATING AS SECURED UNAFFECTED - treat as secured unaffected.)

- Need estimated Fee App.

3) Trustee OBJ:
- Debtor has insufficient income.
- Need to file Pre-Confirmation Certification (UNRESOLVED.)

***RESOLVED ISSUES***

A) State of NY filed $7,090.80 priority claim not treated in the plan (MP PAYS.)

B) IRS filed $8,297.67 priority claim not treated in the plan (MP PAYS.)

C) Plan provides $2,500 arrears treatment to Mr. Cooper for Dover Pl property - US Bank filed $14,180.10 arrears claim (MP PAYS)

D) Trustee OBJ:
- Debtor must provide updated proof of auto insurance for the 2015 Audi, 2020 Honda and 2014 Ford. The policy provided expires on 9/22/25 (RECEIVED.)


Prop. Plan Ptd, $810 x 56, Base Plan
PTD 8/9 = $4,640
Last Claim (6-2)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-14065 / EJODavid A. Semanchik, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 10 of 12 required payments   Arrears: $775.00
AR RESOLVE OR HOLD - Atty accepts terms
ISSUES AS OF 4/20/2026 (DM): updated 4/27/26

***TO CONFIRM THE DEBTOR NEEDS $3,701 PTD, THEN $720 x 48 STARTING 5/1/26, BASE PLAN WITH $14,236 THRESHOLD PRESERVED, PLUS ALL NON-EXEMPT PROCEEDS FROM CLAIM AGAINST PRIOR EMPLOYER, TRUSTEE IS AUTHORIZED TO PAY STATE OF NJ PRIORITY POC (22-1), US DEPT OF HUD POC (2-1) SHALL BE TREATED AS SECURED UNAFFECTED OUTSIDE THE PLAN, STUDENT LOANS POC (3-1) AND POC (4-1) SHALL BE TREATED OUTSIDE THE PLAN, OTBS ON STRAFFI OBJ WITHIN 30 DAYS TO PAY $500 ADMIN CLAIM ON POC 20-1***

 4/20/26 emailed Atty with new calculation and questions.

 ADJ one more cycle for updated pay stubs from spouse with health insurance deductions coming out (dm)

 Emailed Chambers to re-list to 4/8 for Atty to file a MP with actual threshold (dm)

 Motion to Expunge POC (20-1) of Straffi scheduled for 2/25/26 (OTBS.)

1) Starffi & Straffi OBJs to confirmation (OTBS?)

2) State of NJ filed $605.70 priority claim not treated in the plan (OKAY TO PAY?? - Yes)

3) US Dept of HUD (2nd mtg) was not treated in the MP (TREAT AS SECURED UNAFFECTED?? - Yes)

4) Trustee OBJ:
- Debtor has insufficient income (PAY STUB FOR CO-DEBTOR'S NEW JOB UPLOADED.)
- Add to confirming order non-exempt proceeds from potential lawsuit against prior employer (EEOC Claim) to Trustee.


***RESOLVED ISSUES***

 AmeriCredit (Bill Craig, Esq) filed MFR on 2019 GMC Acadia scheduled for 12/3/25 (CO ENTERED FOR 6-MONTH CURE.)

A) M&T Bank (McCalla Raymer) OBJs - $19,775.57 arrears on Kadlubeck Way property (MOTION TO APPROVE LOAN MOD ORDER ENTERED & OBJ WITHDRAWN.)

B) Ally Financial was not properly served with the cram motion in the MP for the 2018 Chevy Silverado 1500 - address in the POC was not served (SUBSEQUENT CERT OF SERVICE FILED ON 11/10/25.)

C) Trustee OBJ:
- Need DSO form (RECEIVED.)
- Need a MP that removes Ally & GM on Part 4b, since creditors are on Part 4d and 7c - also Atty Disclosure has fees $4,072 and plan has $4,063 (M
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-15011 / EJODaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPlan DeniedDebtor has made 2 of 11 required payments   Arrears: $5,520.00
ISSUES AS OF 4/20/2026 (DM):

***MP changes Loan Mod to sale. Debtor has NOT commenced his conduit payments that should have started in March***

1) Trustee OBJ:
- MP does not propose to pay $82,535 minimum dividend to GUCs based upon confirmed terms.


Confirmed Case: $500 x 12, $2,300 x 48, 100% Plan with $82k Min Div
- Loan Mod by 12/1/25.
Prop. MP: $500 x 60, Base Plan.
- sale of real estate by 7/1/26.
PTD = $11,517.99, Arrears $0 as MP filed.
Last Claim (5-1) dated 3/18/26
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-15049 / EJOEdward Hanratty, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 10 of 11 required payments   Arrears: $0
4/28/26 Atty accepts terms

ISSUES AS OF 4/21/2026 (DM): updated 4/25/26

***TRUSTEE CAN RECOMMEND CONFIRMATION WITH A LOW BASE PENDING SALE AT $5,760 PTD, THEN $570 x 49 STARTING 5/1/26, 100% PLAN WITH $266,830 EQUITY THRESHOLD PRESERVED, SALE OF SUNSET AVE PROPERTY BY 6/26/26, NO PAYMENT OR RESERVE BY THE TRUSTEE ON WELLS FARGO POC (7-1) PENDING THE SALE, OTBS ON WELLS FARGO OBJ WITHIN 30 DAYS, SECURED CLAIMS OF BUREAU OF HOUSING INSPECTION POC (8-1) AND KEARNY BANK POC (9-1) SHALL BE PAID AT SALE, ALL NON-EXEMPT PROCEEDS FROM THE SALE TO THE TRUSTEE, PRE-CONFIRMATION CERTIFICATION SHALL BE FILED WITHIN 14 DAYS***

 ADJ to 3/18 - plan needs 100% based upon GUCs and equity (dm)

1) Wells Fargo (McCalla Raymer) OBJs - $301,519.47 arrears on Sunset Ave. MP provides no specific date for the sale or for ongoing payments (OTBS - SALE BY 6/26/26.)

2) Trustee OBJ:
- Plan is not proposed in good faith in accordance with Section 1325(a)(3). Debtor has proposed a Base plan when there is significant equity of $272,680 in the two properties that she owns.
- There is non-exempt equity in the residence $248,528 and $24,152 in Sunset Ave for a total of $272,680. Add to confirming order non-exempt proceeds from sale of Sunset Ave to Trustee (MP FAILS TO PROPOSE 100% - BAR DATE HAS PASSED - TOTAL GUCS FILED $15,223.04.)
- Need to file Pre-Confirmation Certification (UNRESOLVED.)

***RESOLVED ISSUES***

 AR - no liability insurance for Sunset Ave & forced place (insurance emailed 12/2/25 - dm)

A) Deutsche Bank (RAS) OBJs - MP fails to treat $14,507.88 arrears on 6th Ave property (LOAN MOD ORDER ENTERED, POC AMENDED TO $0 ARREARS, AND CREDITOR TREATED AS SECURED UNAFFECTED IN THE MP.)

B) Bureau of Housing Inspection filed bifurcated judgment lien claim, secured $10,684 and unsecured $1,847. Creditor still not in MP filed 11/25/25 but needs to be paid or move against claim (MP PROVIDES FOR PAYMENT OF CLAIM AT SALE.)

C) Kearny Bank filed late secured judgment lien for $7,618.05 (
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-16926 / EJOLee M. Perlman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 8 of 10 required payments   Arrears: $0
AS OF 4/23/26 (SF)

RECOMMEND $2,914 PTD, $392 X 50 (BEGIN 5/1/26) BASE W/MIN DIV OF $2,277 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE


1. Trustee Motion to dismiss scheduled for 4/29 at 9



MP proposes $1518 PTD; $349 x 54 0% Plan
Payments: 10/10

RESOLVED:
- State of NJ filed estimated unsecured claim 19-1 (AMENDED)
- The debtor must provide updated proof of auto insurance for the 2017 Acura and the 2017 Dodge Ram. The policy provided has expired. (RECEIVED)
Payments: 7/8
Note: Attorney is disputing that Municipal CU is secured not unsecured but they filed an unsecured claim. (CLAIM AMENDED)
Amended Sch C filed to reduce the (d)(1) exemption. I don't know why ... CMA uploaded for $305,000 ... there is now $26,433 non-exempt equity in the property. No lien filed by Municipal Credit Union yet (dm)
Amended C filed - dm
ADJ to 4/29 - Atty to amend Sch C to reduce threshold (dm)
- Trustee objection:

- Need Modified Plan that pays a base dividend to unsecured creditors. (MP FILED AND STILL PAYS 0% TO GUCS)

- There is $17,453 non-exempt equity in the residence. (SCHEDULE C WAS AMENDED TO REDUCE D(1) EXEMPTION AND NON EXEMPT EQUITY IN REAL ESTATE IS NOW $26,433) MOOT SCHEDULE C AMENDED HIGHER
- The plan proposes to pay Municipal Credit Union in full as a secured claim but they filed an unsecured claim and the plan proposes 0% to unsecured creditors. (AMENDED TO SECURED)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-16958 / EJOAdrian J. Johnson, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 8 of 9 required payments   Arrears: $0
NA
AS OF 4/20/2026 (at):

CASE PENDING SINCE 7/1/2025.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - for Chippewa Road. (NOT RECEIVED)
- Proof of 2 month's income - Jan and feb pay stubs for job at Lester Glenn (NOT RECEIVED)
- A copy of the deed - for Chippewa Road. (NOT RECEIVED)
- Amendments to Schedules A, B and C which were filed blank. Amended G that assumes or rejects Nissan lease (NOT AMENDED)
- 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 $3,248.05.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,911.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- Attorney needs to correct the 6th digit of the debtor's social security number and then notify all three credit reporting agencies. (NOT DONE)
- Plan is a base plan to unsecured creditors.

RESOLVED ISSUES:
- A copy of the homeowner's insurance renewal declaration - for Chippewa Road. (RECEIVED)
- Need a mortgage statement for Chippewa Road. (RECEIVED)


Plan proposes: $977.28 x 60 beginning 8/1/2025, base
Arrears: 1 month, $977.30
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-17166 / EJOJohn Zimnis, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 8 of 9 required payments   Arrears: $0
AS OF 4/20/2026 (at):

RECOMMEND: $4,000 PAID TO DATE, $500 X 27 BEGINNING 5/1/2026, SALE OF RESIDENCE BY 6/30/2026, 100% PLAN
- Preserve non exempt equity of $243,800 in real estate.
- Low base pending sale

1. Objection filed by NJ Housing and Mortgage Finance (KML) - plan fails to cure arrears of $28,816.70 and sale is speculative. (RESOLVED - SALE BY 6/30/2026 AND DEBTOR TO MAKE REGULAR PAYMENTS PENDING SALE)

MP proposes: $500 x 36 beginning 8/1/2025, sale of residence by 7/31/2026, 100% plan
Arrears: $500
(To ask for more time to sell the house.)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-17179 / EJOMITCHELL LEE CHAMBERS, ESQ.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 7 of 9 required payments   Arrears: $3,090.00
UPDATED 4/28/2026 (JMA)
issues as of 4/22/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The Disbursement Sheet for the August 30, 2020 accident shows settlement amount of $87,500, less $2,866.21 for costs (itemized), less $28,211.26 atty fees, less $2,589.91 medical expenses and Less $382.42 for interest for cost loan leaving final balance of $53,450.20 - Need Cert regarding how funds were spent (MOOT BASED UPON THRESHOLD IN REAL ESTATE AND FILED GUCs - dm)

-2) Carrington (FRIEDMAN) filed objection, arrears owed, POC filed with arrears $7,317.24. Plan has outside. Must resolve objection - CREDITOR CLAIM INCLUDES ARREARS IN THE AMOUNT OF $7,317.24. CLAIM SHOULD BE PAID THROUGH PLAN 100% PLAN.
(PARTIES WORKING ON CONDUIT TERMS - PROBABLY STARTING CONDUIT 5/1/26 - dm.) PER ATTY CREDITOR STILL RESEARCHING ALLEGED LUMP SUM PAYMENT FROM PI SETTLEMENT. NEED TO RESOLVE

3) South Fork at Ewing filed bifurcated claim, secured $5,859, unsecured $36,078.74 and arrears $5,859. Claim must be resolved. THIS IS A 100% PLAN CLAIMS WILL BE PAID THROUGH PLAN
- The debtor has insufficient income. Disposable income verifies -$124.63.
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return - 2025 by 5/31/2026
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C over exempts d(5), uses full d(1), remaining d(5) is $1,675, over exempts by $251. AMENDED SCHEDULE C FILED ADJUSTED EXEMPTION TO $1,676 OVER BY $1.
- 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 the residence $207,964, 2010 GMC $90, NJ Anchor $251 Tax rebate. 100% PLAN

- The dismissal of this case should trigger a 180 bar to re-filing.

proposed plan: $1,060x60 100% plan
paid in $6,450.10
arrears $3,089.90
last claim 4-1

RESOLVED ISSUE
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-17661 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 9 of 9 required payments   Arrears: $0
AR RESOLVE OR HOLD
ISSUES AS OF 4/21/2026 (DM): email sent to the parties. Proposed consent order sent to Dan on 4/22/26.

***If OBJ with New Rez gets resolved, RECOMMEND CONFIRMATION AT $350 x 36 STARTING 8/1/26, BASE PLAN, LOAN MOD WITH NEW REZ BY 6/1/26, TRUSTEE SHALL MAKE PAYMENT ON NEW REZ POC (9-1) PENDING THE LOAN MOD, OTBS ON NEW REZ OBJ WITHIN 30 DAYS***

 ADJ to 4/8 Peremptory

 Loss Mit extended to 6/1/26 (dm)

1) New Rez/Shellpoint (Stewart Legal Group) OBJ - $196,198.67 arrears on Serpentine Dr property (UNRESOLVED.)

2) Need info on Oceanic Dr property reflected in divorce property settlement agreement (NOTE - ONLY $7k GUCs AND BAR DATES EXPIRED. Received a copy of the Deed post Sheriff's Sale.)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need to file Pre-Confirmation Certification (FILED.)
- Need CMA - document provided as CMA was mortgage balance owed (RECEIVED.)
- Need 2024 tax return (RECEIVED.)
- Need copy of divorce property settlement agreement (RECEIVED.)


Prop. Plan $350 x 36, Base Plan
- Loan Mod on Serpentine Dr by 2/1/26
PTD 9/9 = $3,150
Last Claim (9-1)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-18000 / EJORobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanContinued
5/20/2026 10:00 am
Debtor has made 6 of 16 required payments   Arrears: $975.00
ISSUES AS OF 4/21/2026 (DM):

1) Trustee OBJ:
- Need a consent order with Jefferson Capital to pay claim with interest - payments were made in the companion case.
- Need amended Sch I&J.
- Need updated proof of income.
- Need supplemental Fee App.

 Companion case of Philip Morey (24-22706) was confirmed to pay 100% including joint debts of this debtor Michele Morey. Companion case was dismissed 1/14/26.


Confirmed Case: $1,066 Ptd, $628 x 50, 0% Plan
- companion case #24-22706 (case dismissed 1/14/26).
Prop. MP: $533 x 2, $628 x 5, $885 x 53, $0 Plan.
- adding Jefferson Capital for Cadillac.
PTD = $3,702, Arrears $818 as MP filed.
Last Claim (17-1) dated 1/26/26
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-18192 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 9 of 8 required payments   Arrears: $0
AS OF 4/23/26 (SF) PLAN IS NOT FEASIBLE AND 109(E) ISSUE


1. Objection filed by Harold Zuber (John Gagliardi) - failure to provide for secured claim in the amount of $1,680,000. which will exceed debt limit. Also debtors fail to disclose all disposable income. (UNSECURED CLAIM 19-1 FILED FOR $1,118,909.47)

- Third Stipulated Order Extending the Deadline to 7/2/26 to Object to Discharge and/or the Dischargeability.

-Note: Debtor has 4 vehicles. 3 of the vehicles are not listed in the plan

2. Ally Capital filed arrears claim 9-1 in the amount of $9275.48 which is not addressed in plan for 2019 Chev Tahoe

3. Ally Bank filed arrears claim 10-1 in the amount of $4987.20 which is not addressed in plan for 2022 Chev Truck Silverado 3500

4. MFR filed by Ally Bank for 2022 Chevy Truck Silverado 3500 scheduled for 4/29/26 at 9

5. Ally Bank filed arrears claim 11-1 in the amount of $10,739.03 which is not addressed in plan for 2021 Chev Truck (STAY VACATED)

6. The amount of debt in the debtor(s) Plan exceeds the statutory limit for secured or unsecured debt pursuant to 11 U.S.C. ? 109(e).

7. Loran DeLucca did not file a claim. (Should per plan claim be stricken from plan?)

8. Trustee objection:

- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,062 when determining disposable income.

- There is $216,138 in non-exempt equity in the residence (100% PLAN.)

- There is $435,000 non-exempt equity in Grove Road LLC business (owns property and manages rental income.)

- Need HUD-1/Settlement Statement from sale of vacant Lot in upstate New York. (A HUD WAS NOT PROVIDED. WE RECEIVED A STATEMENT OF SALE. DEBTOR RECEIVED $28,509.40 ON 7/29/2024 ) Need status of what the debtor did with the proceeds.



Plan proposes $500 x 60 100% Plan; Refinance by 8/1/26
Payments: 9/9

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Domestic Support Obligation information (RECEIVED)
- Need Proo
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-18323 / EJODonald C. Goins, Esq.Confirmation Hearing on Modified PlanContinued
5/20/2026 10:00 am
Debtor has made 4 of 8 required payments   Arrears: $650.00
AR RESOLVE OR HOLD
AS OF 4/29/26 (SF) UPDATED

RECOMMEND $1,650 PTD; $1,821 X 52 (BEGIN 5/1/26) 100% PLAN W/ MIN DIV OF $14,267 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE; LOAN MODIFICATION BY 8/31/26
- PAY ARREARS TO US BANK PENDING APPROVAL OF LOAN MOD
- OTBS WITHIN 30 DAYS RESOLVING NEWREZ/US BANK OBJECTION
- MUST PROVIDE 2025 TAX RETURN BY 5/31/26
- NEED UPDATED PROOF OF INCOME FOR SPOUSE WITHIN 30 DAYS



1. Objection just filed on 4/2/26 by NewRez/US Bank (Holdren)- failure to pay arrears of $48,101.03 and speculative loan mod (RESOLVED VIA ORDER TO PAY ARREARS)

2. Objection filed by Resurgent Capital Services (Jennings) - failure to provide for secured creditor's claim 1-1. Creditor requests that plan be modified to provide for $24,519.27 plus interest over 60 months (2018 BMW X2) (RESOLVED VIA ORDER)

3. Trustee objection:

- Need a copy of the last filed tax return - 2025 by 5/31/26

- Amendments to Schedules I when spouse returns to work in about 4 weeks. (NEED SPOUSE'S PROOF OF INCOME)

- Income verifies much higher, there is disposable income $2,458.

- There is $14,267 non-exempt equity in the residence.



Plan proposes $275 X 7; $375 x 29 Base; Loan Mod by 8/31/26
Payments: 6/8 Arrears: $650


RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- The debtor must provide updated proof of auto insurance for the vehicles. The policy provided expires on 3/17/26. (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - with personal liability
coverage, document provided was a Binder/Application. (RECEIVED)
- Motion for Relief filed by Newrez scheduled for 3/18/26 at 9 (ORDER SUBMITTED)
- The current Plan does not specify treatment of Westlake Services-2018 BMW X2 under the
Plan.
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-18618 / EJOAndre L. Kydala, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 15 of 8 required payments   Arrears: $0
4/28/26 (sf) - Debtor called out of concern that her case will be dismissed. Says she has not heard from her atty and previously sent the missing docs to her attorney. She will send missing documents to us. Also, Erik contacted Mr. Kydala and he reached out to the debtor. The debtor may appear on the call tomorrow.


AR RESOLVE OR HOLD
REC DISMISSAL FAILURE TO COMPLY WITH SCH ORDER
ISSUES AS OF 4/23/2026 (DM):

Certification - Doc #26 (dm)

1) Trustee OBJ:
- There is $160,461.84 non-exempt equity in the house.
- Need to provide statement for debtor pension (UNRESOLVED. ONLY RECEIVED INFO FOR CO-DEBTOR.)
- Amendments to Schedule Form 122c-1 has not been completed (UNRESOLVED.)
- Need July & Aug bank statements for acct #7496 and acct #5033 (UNRESOLVED.)
- Need to file Pre-Confirmation Certification (UNRESOLVED.)

***RESOLVED ISSUES***

A) JP Morgan Chase Bank (McCalla Raymer) OBJs - arrears of $6,003.89 on real estate not treated in the plan (CONSENT ORDER ENTERED.)

B) Trustee OBJ:
- Need to amend the Bk Petition to correct the debtor's social security number and notify all credit agencies (SEE Doc #15 & Doc #16 filed 2/3/26.)


Prop. Plan $1,500 x 60, Base Plan
PTD 7/8 = $10,500
Last Claim (23-2)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-19597 / EJOGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 5 of 7 required payments   Arrears: $0
NA
ISSUES AS OF 4/23/2026 (DM): still no change.

ADJ to 4/29/26 Peremptory (dm)

***Nothing has been done since the last Hearing, and the term of the current plan has expired - RECOMMEND DISMISSAL***

1) IRS filed $320.50 priority claim that includes estimated taxes for 2022 - 2024 not treated in the plan (UNRESOLVED.)

2) IRS filed a general unsured claim that includes estimated taxes for 2019 - 2021 (UNRESOLVED.)

3) Buttercup Holdings LLC (Anthony Velasquez, Esq) OBJs - proposed plan does not provide for proper payment to this creditor for the properly secured tax sale certificate against debtor's property. Total amount due to this creditor under the plan must be $111,374.81 (UNRESOLVED.)

4) Current proposed plan term of 5 months in insufficient to fund the filed claims at 100%.

5) Trustee OBJ:
- Need proof of income - 2 months (UNRESOLVED. CHASE BANK STATEMENT SHOWS $75k BALANCE AS OF JULY 2025 THAT DEBTOR IS PULLING FROM EVERY MONTH FOR TRUSTEE PAYMENT.)
- Need amended Sch A to disclose current value of property (UNRESOLVED.)
- There is $622,342 non-exempt equity in house (100% PLAN.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $352 x 5, 100% Plan
PTD 5/7 = $1,760
Last Claim (7-2)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-19705 / EJOStephen M. Goldberg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0
4/23/26 (sf) Atty accepts terms

ISSUES AS OF 4/21/2026 (DM):

***TRUSTEE RECOMMENDS CONFIRMATION AT $855 PTD, THEN $464 x 57 STARTING 5/1/26, 100% PLAN WITH $16,000 MINIMUM THRESHOLD PRESERVED, TRUSTEE IS AUTHORIZED TO PAY FREEDOM MORTGAGE $1,393.72 ARREARS POC 13-1***

 NOTE - need result of contested Ch 7 Trustee Fee App (dm)

1) Freedom Mtg filed $1,393.72 arrears claim on real estate (OKAY TO PAY??)

2) Trustee OBJ:
- Need to file Pre-Confirmation Certification (FILED.)
- Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by Section 1325(a)(4).
- There is $14,178 non-exempt equity in the residence and $10,012 non-exempt from 1/3 proceeds from funds received on 2nd mtg taken out 7/16/25 - total $24,190 (LANGUAGE ADDED.)


Prop. Plan $285 x 60, 100% Plan
PTD 3/3 = $855
Last Claim (14-1)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-20329 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing on Modified PlanPlan DeniedDebtor has made 6 of 6 required payments   Arrears: $0
ISSUES AS OF 4/21/2026 (DM):

 App for Consent Order - allow HOA late claim (dm)

 MFR by Onslow Bay Financial pending.

 1/29/26 (DS): Debtor provided a part time job w/Yonkers to begin 1/5/26 but only provided 1st paystub received dated 1/30/26. Need additional proof of income for Feb. Can't determine income with 1 stub. No amended Sch I filed.

1) Trustee OBJ:
- There is $35,938 non-exempt equity in real estate.

Note: MP pays atty fees per disclosure and adds Toyota lease arrears owed. Debtor's cert provided on 1099 job that began in 11/2025.


Prop. Plan $500 x 60, Base Plan
- student loans treated outside the plan.
PTD 5/6 = $2,750
Last Claim (15-1)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-20485 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 6 required payments   Arrears: $0
ISSUES AS OF 4/23/2026 (DM): updated 4/25/26.

***TRUSTEE CAN RECOMMEND CONFIRMATION WITH A LOW BASE PENDING REFI AT $250 x 36 STARTING 11/1/25, 100% PLAN WITH $58,233 EQUITY THRESHOLD PRESERVED, REFI ON HERITAGE DR PROPERTY BY 9/1/26, TRUSTEE IS AUTHORIZED TO PAY US BANK POC (4-1) ARREARS IN THE AMOUNT OF $654.90***

1) Trustee OBJ:
- Debtor has insufficient income.
- Need 2024 tax return (RECEIVED.)
- Tax refund of $1,102 was not prorated and included in disposable income calculation.
- Plan does not address $654.90 arrears claim of US Bank (OKAY TO PAY??)
- There is $58,223 non-exempt equity in real estate (100% PLAN)


Prop. Plan $250 x 36, 100% Plan
- Refi by 9/1/26
PTD 6/6 = $1,500
Last Claim (8-1)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-20933 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 6 required payments   Arrears: $400.00
ISSUES AS OF 4/21/2026 (DM): Atty accepts terms

***Bar Date has expired and only $34k GUCs filed timely claims. TRUSTEE CAN RECOMMEND CONFIRMATION WITH A LOW BASE PENDING SALE AT $1,200 PTD, THEN $400 x 30 STARTING 5/1/26, 100% PLAN WITH $42,990 THRESHOLD PRESERVED, SALE OF CAMBRIDGE CIRCLE PROPERTY BY 5/1/27, ALL NON-EXEMPT PROCEEDS FROM SALE TO PAY OFF CASE AT 100%, DEBTOR SHALL MOVE TO APPOINT A REALTOR NO LATER THAN 11/1/26***

1) Trustee OBJ:
- There is $42,990 non-exempt equity in real estate.

Note: Homeowner insurance provided. Tax refund no issue, since half income is social security.

***RESOLVED ISSUES***

A) State of NJ filed estimated claim for 2019-2024 tax return not filed (AMENDED TO $0.)

B) Weichert Financial (BROCK & SCOTT) OBJs - $1,199.76 arrears on real estate (MP PAYS ARREARS.)


Prop. Plan $133.33 x 3, $400 x 33, $41,486.12 Min Div
- sale of real estate within 12 months.
PTD 5/6 = $1,200
Last Claim (7-2)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-21149 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 6 of 6 required payments   Arrears: $0
Plan Denied - Atty to file a MP $1,360 x 60, student loans outside, $71,600 Min Div to resolve AR objection (dm)

ISSUES AS OF 4/23/2026 (DM):

 Debtor Response Doc #31 & Doc #32 do not explain why parent contribution jumped from $1,000 to $1,350 after contribution of $350 to sister ceased and sister is able to help contribute to the parents. Also, no explanation why BMW can't be surrendered.

 AR WILL SUBMIT A SCHEDULING ORDER - FILED.

 Debtor Response filed as Doc #26 - no reasonable explanation provided for $1,435.10 monthly expense for 2025 BMW X5 with a total sale price of $109,327.20. No reasonable explanation provided for why $350 expense to assist the debtor's sister while she was in a nursing program is now being added to the expense to assist the debtor's parents - if the sister has completed the program and no longer needs the $350, why can't she pay $350 to support her parents since the debtor is already paying $1,000 to support the parents.

1) Trustee OBJ:
- Tax refund of $1,831 was not prorated and included in disposable income calculation (INCORRECT 2024 TAX RETURN UPLOADED. Corrected Tax Return uploaded 3/13/26 - refund is $4,022 or $335.16 prorated.)

- Excessive Expenses: $950 food for two; $250 clothing; $1,475 car payment; $350 support for sister; $1,000 support for parents; $300 support for spouse's parents. Need proof of excessive expenses 10 days prior to confirmation.

- Income verifies higher than scheduled resulting in $850 monthly disposable income before deducting excessive expenses.

- Reviewed Form 22C, Line #26 (continuing contributions to care of household/family members) in the amount of $1,350 requires documentation. Per Form 22C, monthly disposable income is $1,370 which requires $82,200 minimum dividend to general unsecured creditors.

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need 2024 tax return (ATTY UPLOADED INCORRECT DOCUMENT - RECEIVED WELLINGTON PENA TAX RETURNS. Corrected Tax Return uploaded 3/13/
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-21157 / EJOKarina Pia Lucid, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 6 of 6 required payments   Arrears: $0
ISSUES AS OF 4/23/2026 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $11,400 PTD, THEN $2,417 x 54 STARTING 5/1/26, 100% PLAN WITH $128,182 EQUITY THRESHOLD PRESERVED, HARBOUR CLUB CONDO ASSN BIFURCATED POC (5-1) SHALL BE PAID AS FILED, MERCEDES-BENZ POC (7-1) LEASE IS REJECTED, STUDENT LOAN POC (10-1) SHALL BE TREATED OUTSIDE THE PLAN***

 MFR file by Mercedes Benz 2023 (STAY RELIEF GRANTED - MP DOES NOT ASSUME THIS LEASE AND IS THEREFORE REJECTED.)

1) Harbour Club Condo filed bifurcated claim for $26,618.38 secured and $1,134.49 unsecured with $27,752.87 arrears (PAY BIFURCATED CLAIM AS FILED??)

2) Trustee OBJ:
- Debtor has insufficient income (DEBTOR CAN AMEND THE PLAN TO $1,770 GOING FORWARD TO KEEP 100% BASED UPON CURRENT FILED CLAIMS.)
- Excessive Expenses Sch J: $772.33 auto insurance (verifies $721.97) and $833.63 car payment. Plan propose 100%.
- There is $126,188 non-exempt equity in the residence and $1,994 in Bank of America acct for a total of $128,182.
- Add to confirming order Fee App within 7 days of confirmation.

Note: Auto insurance provided for both cars.

***RESOLVED ISSUES***

A) IRS filed estimated tax claim for 2021 (AMENDED.)

B) State of NJ filed estimated tax claim for 2020 & 2021 (AMENDED.)


Prop. Plan $1,900 x 6, $2,417 x 54, 100% Plan
- student loans treated outside the plan.
PTD 6/6 = $11,400
Last Claim (15-2)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-21305 / EJORussell L. Low, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 6 required payments   Arrears: $859.00
ISSUES AS OF 4/22/2026 (DM): Atty accepts terms

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $860 x 60 STARTING 11/1/25, 100% PLAN WITH $80,793 EQUITY THRESHOLD PRESERVED***

1) Upstart Network filed two duplicate claims, #3 and #14. Debtor's attorney should move against one of these claims (ORDER ENTERED 4/8/26.)

2 Trustee OBJ:
- Need to file Pre-Confirmation Certification (FILED.)
- There is $80,793 non-exempt equity in house (100% PLAN.)


Prop. Plan $860.17 x 60, 100% Plan
PTD 5/6 = $4,300.85
Last Claim (14-1)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-21412 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $500.00
ISSUES AS OF 4/21/2026 (DM):

***Debtor needs to address Loan Mod feasibility in this case based upon the history of the previous dismissals***

1) Selene (RAS) OBJs - Debtor already sought a Loan Mod in 3 prior cases that have been dismissed for failure to make payments. This will be Debtor's 4th filing and plan is filed in bad faith (UNRESOLVED. OTBS - Loan Mod by Mid June)

2) Plan provides $24,860 arrears treatment to New Rez on a 2nd mtg - creditor has not filed a claim and Bar Date has expired (STRIKE?? - Yes)

3) Trustee OBJ:
- Need Certification regarding settlement of workers compensation claim and disposition of the proceeds.
- Per Sch D, car payment of $348 should be paid off. Balance was $695 as of 10/27/25. Car payment should be removed from Sch J.
- Amended Sch I J filed to add new job and POI provided. Income now verifies much higher - there is $1,149 in monthly disposable income - adding back car payment, disposable income would be $1,497 per month.


Prop. Plan $500 x 60, Base Plan
- Loan Mod on US Bank/Selene loan by 5/1/26
PTD 5/6 = $2,500
Last Claim (1-2)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-21614 / EJOJoseph Casello, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 5 of 6 required payments   Arrears: $0
4/28/26 (sf) Per atty debtor does not accept increased payment terms. Ok to dismiss. Do not hold fees. Refund to the debtor.


ADJ to 4/29 - Atty advises that debtor needs time to think about updated proposal (dm)
ISSUES AS OF 3/31/2026 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $1,875 PTD, THEN $479 x 55 STARTING 4/1/26, BASE PLAN WITH $22,395 MINIMUM DIVIDEND THRESHOLD, NORTHERN OCEAN HABITAT POC (6-1) SHALL BE TREATED AS SECURED UNAFFECTED OUTSIDE THE PLAN***

1) Northern Ocean Habitat for Humanity filed POC (6-1) on real estate with $0 arrears that is not treated in the plan (TREAT AS SECURED UNAFFECTED.)

2) Trustee OBJ:
- There is $19,104 non-exempt equity in the residence, Buick $2,196 and Chase accts $1,095 total $22,395. (LANGUAGE ADDED)

***RESOLVED ISSUES***

A) It appears that Northern Ocean Habitat for Humanity also filed POC (5-1) with the creditor name populated with the debtor's name and with $167,500 arrears on the property. Different creditor attorney filed this claim (NEED CREDITOR TO WITHDRAW THIS CLAIM OR DEBTOR MUST MOVE AGAINST THIS CLAIM. Consent Order entered to withdraw claim - dm)

B) Trustee OBJ:
- Need proof of SSI from spouse (RECEIVED.)
- Need homeowner's insurance renewal declaration - with personal liability coverage (RECEIVED.)
- Need updated proof of auto insurance for the vehicles (RECEIVED.)


Prop. Plan $375 x 60, $16,700 Min Div
PTD 5/6 = $1,875
Last Claim (6-1)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-22026 / EJOPRO SEConfirmation Hearing ScheduledPlan DeniedDebtor has made 2 of 5 required payments   Arrears: $1,400.00
Recommend Dismissal

AS OF 4/23/26 (SF)


1. 341 not held due to missing documents
2. Payments: Less than 1 payment received Arrears: $2200
3. Trustee motion to dismiss case scheduled for 4/29/26 at 9
4. Motion for Relief by Wells Fargo scheduled for 5/20/26 at 9

4) obj PRIYA THOMAS , DSO ( MCNALLY)429173 PRIORITY DSO CLAIM ,EXCLUDED ASSETS ,FEASIBLITY AND 109E
5) OBJ MATHEW ET AL (HAGNER)IMPROPER USE OF RENTS ETC
6)OBJ WELLS ( WOERNER) MOD PLAN , MOD PREVIOUSLY DENIED , NO ADEQUATE PYMTS,NO POST




Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-22089 / EJOJohn A. Underwood, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 5 required payments   Arrears: $0
4/20 workup EDC

*CONFIRM AT:
$2104 PAID THEN $610 X 55 BEG 6/1/26 100%-STUDENT LOANS OUTSIDE-OneMain secured arrears to be paid through the plan and guc claim paid outside--PRESERVE EQUITY OF $29,560 IN REAL ESTATE


-ONE MAIN FINANCIAL FILED A $2028 ARREARAGE CLAIM BUT IS NOT IN THE PLAN. THERE IS ALSO A GUC CLAIM FILED. WHAT ARE WE DOING WITH THIS? ok to pay per attorney

-OTBS with Saltzman on MFR CSMC RPL5 Trust--we still need order. Is there still an objection to the plan? Is debtor going to pay the $19,154.04 claim? ORDER SUBMITTED

**Trustee objection:
--- The debtor has failed to file the required Pre-Confirmation Certification . FILED

- Need current market analysis - CMA fails to show dates of sale for properties that have closed. There is $29,560 non-exempt equity in house (100% PLAN.)

- Need to provide Social Security Administration Benefit Verification Letter for 2026 . OK EDC
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-22298 / EJOJenee K. Ciccarelli, Esq.Confirmation Hearing ScheduledContinued
7/1/2026 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $1,465.00
ISSUES AS OF 4/22/2026 (DM):

1) IRS filed $13,101.06 priority claim that includes estimated taxes for 2022 - 2024 not treated in the plan (UNRESOLVED.)

2) IRS filed a general unsecured claim that includes estimated taxes for 2021 (UNRESOLVED.)

3) State of NJ filed $12,469.47 priority claim that includes estimated taxes for 2022 - 2024 not treated in the plan (UNRESOLVED.)

4) State of NJ filed a general unsecured claim that includes estimated taxes for 2021 (UNRESOLVED.)

5) HSBC Bank (RAS) OBJs - $298,902.79 arrears on mortgage for the residence. The prospect of a loan modification is highly speculative and remote given the size of the arrears. Modification of the loan would likely result in a principal and interest payment exceeding $5,900.00 a month - based upon the Debtor's schedules such an increase is not feasible (UNRESOLVED.)

6) Wilmington Savings (Emmanuel Argentieri, Esq) OBJs - $98,080.92 arrears on mortgage for the second property is not treated in the plan (UNRESOLVED.)

7) Capital One Auto Finance (Gavin Stewart, Esq) OBJs to cram on the 2014 Mercedes Benz S550 - creditor asserts a value of $23,850 with a 9% rate (UNRESOLVED.)

8) One Main Financial has not been served at the address in the POC to the attention of the Managing Agent on the cram of the 2013 Land Rover (UNRESOLVED.)

9) Trustee OBJ:
- Income verifies higher ($5,294) than scheduled ($3,842) resulting in $2,815 monthly disposable income.
- Atty must file a Fee App within 7 days of confirmation.
- Need a copy of 2024 tax returns (RECEIVED.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $1,465 x 60, Base Plan
- Loan Mod by 4/30/26
- student loans outside plan
PTD 4/5 = $5,860
Last Claim (10-1)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-22326 / EJOMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
7/1/2026 10:00 am
Debtor has made 6 of 5 required payments   Arrears: $0
capone to file a mp

4/20 workup EDC

SAME AS LAST TIME

**EVEB IF WE ACCEPT EXPENSES, DEBTORS INCOME IS $8461 WHICH IS $2000 MORE THAN SCHEDULED AND SPOUSE INCOME IS $250 MORE THAN SCHEDULED. TOTAL DISPOSABLE IS $3700 A MONTH BUT ONLY NEEDS $2725 TO BE 100%
--CONFIRM AT $4800 PAID THEN $2725 X 55 BEG 5/1/26 100%--ATTORNEY TO FILE FEE APPLICATION WITHIN 7 DAYS

* Trustee objection:
-- - The debtor has failed to file the required Pre-Confirmation Certification .
-- 22C Line 35 has Priority $22,910.90, Plan has total $16,703.87, which is less, Line 43
-- Cell phone $337.89, Car payment $767.85, Storage Unit $184.94 (sent proof but debtor car expense is $767)
-spouse expenses $1,834. Must provide proof of expenses 10 days prior to confirmation.
- Line 45 has disposable income $2,480.80, which would require min. div. $148,848 or more
pending review of expenses.
- Disposable income verifies $3,774 using I & J even if we include all expenses. Debtor income is $2000 more than scheduled per POI

Plan $1200 x 60
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-22528 / EJOMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0
AS OF 4/23/26 (SF)


1. Objection filed by PennyMac Services (McDonough) - failure to pay arrears of $6088.29

2. IRS filed priority claim 21-1 in the amount of $1095.02 (OK TO PAY?)

3. Disposable income verifies at $2124.65 - $346.95 disability = $$1777.70 The Co debtor gets paid twice per month at $2477.52 per pay period so not sure how the income was calculated at $2826. (Need a base of $51,188) Payment will increase to $1136.

4. Trustee objection:

Still need Nov 2025 bank statement for #3741; Oct 2025 bank statement for 5919; Oct 2025 bank statement for 5927 and Oct 2025 bank statement for 5898

- The current Plan does not specify treatment of Wells Fargo/Value City Furniture bifurcated
claim 17-1 under the Plan.

- The circumstances and contents of the debtor's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)(3).
Plan fails to provide the non-exempt equity.

- There is non-exempt equity in the residence $18,197
- There is nonexempt equity in PNC acct 3741 of $1580
- There is nonexempt equity in PNC acct 5898 of $1954,91


- Americredit filed arrears claim 3-1 in the amount of $638.01 which is not addressed in plan (OK TO PAY?)


Plan proposes $468 x 60 Base
Payments: 5/5

RESOLVED:
- The debtor must provide updated proof of auto insurance for the vehicles. The policy provided has expired. (RECEIVED)
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Need amendments to Schedules A/B and C to add Co-Debtor PNC Bank acct#3741 and #5363 and Debtor's PNC Bank accts #5919 and #5927. (RECEIVED)
- Provide copy of the marriage certificate. (RECEIVED)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-22777 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledMoot - Converted to 7 / 11Debtor has made 2 of 4 required payments   Arrears: $0
AS OF 2/23/2025 (JMA) - PROVIDED PROOF OF TFS PAYMENTS ON 2/21/2026 $87.50 AND MANUAL DEBTOR PAYMENT $400. PROOF OF PAYMENT LINKED IN MATTERS.

as of 2/19/2026 (JMA)

1) PHH Mortgage Corporation (RASC) objection to confirmation - NEED TO RESOLVE
- Secured Creditor estimates pre-petition arrears in the amount of $68,348.01
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED.
- The debtor has failed to supply the Trustee with the following document(s): Domestic Support Obligation information
- A copy of the homeowner's insurance renewal declaration - that includes liability coverage - RESOLVED, PROVIDED
- Need November and December bank statements for TD accounts 0872 and 8727. PROVIDED 12/5/2025 STATEMENT #0772, STILL MISSING OTHER STATMENTS
- 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 $1,377.03.
- Reviewed the 22C, Line 16 "taxes" should be $2,652.35 and Line 35 requires documentation. Per the 22C, monthly disposable income is $1,082 which requires a minimum dividend of $64,969 to general unsecured creditors.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $12,714.00 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): As of now there is equity in real property of $11,452.
- Need to resolve objection by PHH Mortgage.
- The attorney's fees in the plan ($1,650) and the disclosure statement ($2,150) do not agree. One of these must be amended.
- all non-exempt proceeds from sale of real property to be paid to TR.
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-22825 / EJOThomas G. Egner, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 4 required payments   Arrears: $7.00
4/28/26 (sf) Atty does not agree to terms. Advised him to appear


ISSUES AS OF 4/21/2026 (DM): updated 4/27/26

***TO CONFIRM THE DEBTOR NEEDS $3,261 PTD, THEN $1,899 x 56 STARTING 5/1/26, 100% PLAN WITH $41,157 EQUITY THRESHOLD PRESERVED, DEBTOR SHALL SIGN-UP FOR TFS eWAGE AND PROVIDE PROOF OF ENROLLMENT WITHIN 14 DAYS***

1) Must resolve IRS estimated claim for 2020-2021 tax return not filed (AMENDED - NO LONGER ESTIMATED.)

2) State of NJ filed estimated claim for 2020-2021 and 2023-2024 tax return not filed (AMENDED - NO LONGER ESTIMATED.)

3) Trustee OBJ:
- Need statement for Fidelity Investment acct
- Need statement for PSE&G stock acct.
- Reviewed 22C Line #17 involuntary deductions should be $570.90, Line #25 health insurance should be $225.38, Line #30 additional food requires documentation and Line #41 retirement deductions should be $61.58. Per the 22C monthly disposable income is $1,881 which requires $112,860 minimum dividend to GUCs (100% PLAN.)
- Excessive Expenses Sch J: $515 Utilities, $585 Cable/internet/tele, $542 Food, $550 Transportation, $328 & $373 car payments (cannot have two car payments). Must provide proof of expenses 10 days prior to conf (SO LONG AS PLAN REMAINS 100% NO PROOF NEEDED.)
- There is estimated $41,600 non-exempt equity in the residence, pending State of NJ claim (100% PLAN.)


Prop. Plan $817 x 6, $1,437 x 54, 100% Plan
PTD 4/4 = $3,261
Last Claim (13-2)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-22983 / EJOYakov Rudikh, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 4/21/26 (SF) MP FILED AND SCHEDULED FOR 5/20/26


1. Objection filed by Carrington Mortgage Services (Danielle Boyle-Ebersole) - failure to pay arrears of $5656.93 (MP FILED)

2. The IRS filed a priority claim 6-1 in the amount of $27,681.75 which is not addressed in the plan

3. US Dept of HUD filed secured claim with zero arrears which is not addressed in the plan

4. Acura Financial Services is a lease and is not assumed in the plan. The claim has arrears of $826.24

5. Trustee objection:

- Need statements for the co-debtor's (2) 403b loans.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$500/month for home maintenance
$500/month for utilities
$450/month for cable/internet/phone
$350/month for child care
$825/month car payment
Need proof of expenses 10 days prior to confirmation.

- Verified income leaves monthly disposable income of $677.07.

- The current Plan does not specify treatment of American Honda Finance's secured arrears claim under the Plan.

- There is $113,374 in non exempt equity in the residence. (NOW $79,006 DUE TO HIGHER CLAIMS)

- The debtors need to provide the closing statement from the 2022 sale of the New Brunswick property. (STILL NEED)

- The debtors need to provide a certification regarding the source of the $20,000 TD Bank deposit in October 2025. (STILL NEED)

5. Add to confirmation order Trustee Standard Order of Distribution

Plan proposes $500 x 60 Base
Payments: 4/4


RESOLVED:
- State of NJ filed estimated priority claim 23-1 (AMENDED)
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)

Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-22988 / EJODavid G. Beslow, Esq.Confirmation Hearing ScheduledContinued
7/22/2026 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $0
issues as of 4/21/2026 (JMA)

1) Lakeview Loan Servicing LLC (Brock & Scott) objection to confirmation - NEED TO RESOLVE
The Plan erroneously lists Creditor as a Secured Claim Unaffected by the Plan in Part 4(f). Although Creditor has not yet filed a Proof of Claim, it is anticipated that the claim will include pre-petition arrearage totaling $17,403.45.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return - for 2025; Balance on NYCERS Pension loan - DOCUMENT PROVIDED DATED 5/10/2025, AT THAT TIME THE OUTSTANDING BALANCE WA $16,874.44 - NEED A CURRENT STATEMENT.
- The debtor has undertaken an improper use of exemption. Specifically: Per Petition Debtor resides at Bond Street, therefore, cannot take d(1) exemption on Carriage City property. Can only use d(5).
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Food $600, Childcare expense $1,417, Clothing $200, Transportation $750 (Per bank accts verifies $580 for Dec.) and Auto insurance $473. Must provide proof of expense 10 days prior to confirmation.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $352 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 the residence $25,317, and the $17,152 in the Rahway property.
- 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).
- Claims with arrears filed by Municipal Credit Union in the amount of $3,162.45 and Loan Care for $25,272.09. Plan list them both as outside.
3) NJ Division of Taxation - Estimated for taxes 2022, 2023 and 2024

proposed plan
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-23001 / EJOMark N. Glyptis, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 1 of 4 required payments   Arrears: $0
AS OF 4/20/2026 (at):

DEBTOR HAS MADE TWO OF FOUR PAYMENTS. NO PAYMENTS SINCE 1/5/2026.

1. Objection filed by Global Lending (Stewart Legal) - Plan is silent as to claim for 2023 Kia Forte. (MODIFIED PLAN SURRENDERS THIS VEHICLE)

2. Trustee's objection:
- The debtor has insufficient income. (EWAGE LANGUAGE ADDED)
- The debtor has failed to file a feasible plan
- The debtor has failed to file the required Pre-Confirmation Certification . (FILED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $615 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan fails to provide for a prompt cure of rental arrears. (NO OBJECTION BY LANDLORD)
- The attorney's fees in the plan ($2,500) and the disclosure statement do not agree. Disclosure states that $2,500 will not be paid through the plan. One of these must be amended. (DISCLOSURE AMENDED)

Modified plan before confirmation proposes: $669.36 x 2 beginning 1/1/2026, $734.85 x 58, base
Payments: 2/4, arrears $2,138.42
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-23121 / EJOKevin C. Fayette, Esq.Order Vacate Dismissal of CaseConfirmedDebtor has made 3 of 4 required payments   Arrears: $0
AS OF 4/22/26 (SF)


RECOMMEND $2385 PTD; $849 X 14 (BEGIN 5/1/26); $795 X 18 (BEGIN 7/1/27) BASE PLAN

- 18 MONTH CURE TO CHATEAU HOLDINGS LG, LP
- CONFIRM WITH TFS AUTO PAY




Trustee objection:

- The debtor has insufficient income. Disposable income verifies at $482.82.


Plan proposes $795 x 36 Base
Payments: 3/4 Arrears: $795

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-23219 / EJOPRO SEConfirmation Hearing on Modified PlanContinued
5/20/2026 10:00 am
Debtor has made 5 of 4 required payments   Arrears: $0
As of 4/28/26 (DS): Pro-se Debtors requested adj to allow time to get docs

As of 4/28/26 (DS): 1. ISSUES WHICH REMAIN UNRESOLVED: EMAILED DEBTORS
- Must provide Debtors son's Social Security income, updated proof of income from both and 2025 tax return. Per docs provided for unemployment Co-Debtor's unemployment was to expire 3/28/26.
- Debtors income is insufficient, disposable income verifies -$713.
- Mod plan still fails to mark off Part 8a Vesting upon confirmation, Trustee to add this to confirming order. PLEASE DO NOT FILE ANOTHER MOD PLAN.
- Part 5a needs to be Pro rata distribution, not $1, due to non-exempt proceeds from all lawsuit to Trustee. DEBTOR RECEIVED $1,000 ON 1/28/26, SHOULD HAVE BEEN PAID TO TRUSTEE, USED FOR EXPENSES, PER CERT. DO NOT SEE CHECK DEPOSITED INTO ACCT.

2. Court docs provided on lawsuit against Credit Collections Debtor listed as resolved for $5,045. If resolved where are the funds? No additional docs provided. Were Debtors paid? Need additional info. PER DEBTOR CERT/STIPULATION SETTLEMENT DOC ONLY RECEIVED $1,000 FROM CREDIT COLLECTION ON 1/28/26, FUNDS WERE USED FOR LIVING EXPENSES.

As of 4/1/26 (DS): Another mod plan filed 3/23/26, sched 4/29/26

MP filed and scheduled - Recommend Denial of this old Plan (dm)

ADJ to 3/18 Peremptory to get an Atty or fix all issues ... otherwise Trustee recommends dismissal (dm)

As of 2/20/26 (DS): 1. Trustee obj to the following:
- Must file a mod plan that addresses unsecured claims in Part 5a, adds student loans outside of the plan in Part 5b, marks off Part 8a Vesting of property upon confirmation, Part 8c adds Trustee standard order of distribution and on Part 8d marks off post-petition claims.

- Must provide proof of social security income from son, doc uploaded was sent as proof of social security number and is not able to open. Must submit as social security income.

- Debtors income is insufficient, disposable income verifies -$713, AFTER DEDUCTING CAR PAYMENT AND $1,000 TRANSPORT
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-23222 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 1 of 4 required payments   Arrears: $600.00
AS OF 4/27/2026 (at):

RECEIVED PROOF OF A $600 MONEY ORDER PAYMENT DATED 4/24/2026.

DEBTOR HAS MADE ONE OF FOUR PAYMENTS.


1. Capital One Auto filed a bifurcated claim which needs to be resolved. (Secured - $23,300, unsecured - $9,664.79 and arrears - $1,792.97) (UNRESOLVED)

2. Objection filed by AMIP Management/Wilmington Savings (Friedman Vartolo) - failure to cure arrears of $80,993.73 and creditor wants a consent order granting stay relief if the property is not sold in an appropriate time frame. (UNRESOLVED)

3. 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 2024. (RECEIVED)

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 $82,687 in non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)
- There is $2,160 in non-exempt equity in the bank accounts. (LANGUAGE ADDED)

Plan proposes: $200 x 36 beginning 1/1/2026, sale of residence 6 months after confirmation, 100% plan
Payments: 1/4, arrears $600
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-23239 / EJOMoshe Rothenberg, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 3 of 4 required payments   Arrears: $0
ISSUES AS OF 4/23/2026 (DM):

UPDATED 4/6/2026 (JMA) - ATTY CANNOT ATTEND DUE TO RELIGIOUS HOLIDAY, HEARING ADJOURNED TO 4/29/2026

1) Co-Debtor provided income from September to November 2025. Monthly net income is $3,088, therefore there is disposable net income of $3,344 per month. This cannot be a 0% plan. Must pay all disposable income into plan.

2) Need to amend Sch I to include spouse income (paystubs were provided.)

3) Trustee OBJ:
- Need 2 months bank statements from TD Bank accts#052 and #127 shown in bank acct#780 and TD Bank savings acct prior to filing. STATEMENTS #780 LISTS PHONE TRANSFERS FROM #052 AND 127. The Trustee did not receive statements for acct #052 and #127. NEED TO PROVIDE STATEMENTS.

- Need auto insurance for the vehicles - POLICY PROVIDED FAILS TO LIST VEHICLES BEING COVERED.

- Excessive Expense: Education Cost $590, Transportation $850 and Auto insurance $487 first month and $539 remaining 6 months. Must provide proof of expenses 10 days prior to confirmation. NOT PROVIDED TO DATE.

- Tax refund in the amount of $10,237 was not prorated and included in disposable income calculation (INCLUDED IN INCOME ANALYSIS.)

- Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution (OKAY WITH STANDARD DISTRIBUTION??)

***RESOLVED ISSUES***

A) US Bank/Hudson Homes Management (FEIN) OBJs - $4,071.66 lease arrears (CONSENT ORDER FOR 18-MONTH PROMPT CURE.)

B) Trustee OBJ:
- Need to file Pre-Confirmation Certification (FILED.)
- Debtor has insufficient income -disposable income verifies $238 (MOOT - RECEIVED PROOF OF INCOME FOR CO-DEBTOR.)


Prop. Plan $815 x 60, 0% Plan
PTD 3/4 = $2,445
Last Claim (26-1)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-23423 / EJOPeter E. Zimnis, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $4,450.00
As of 4/24/26 (DS): Debtor atty requested adj to allow time to coincide with MFS sched 5/20/26

As of 4/20/26 (DS): 1. Trustee obj to the following:
- Income is insufficient to pay IRS, State of NJ tax claims and mortgage arrears. WILL NEED ABOUT $9K OR MORE
- Sched J has excessive expenses: $5,500 Mortgage payment (per claim mo. pymt is $4,492.96), $400 Home maintenance, $500 Child care or education (daughter is 31) and $715 Medical and dental. Must provide proof of expenses 10 days prior to conf.
- Must resolve State of NJ estimated tax claim, 2021/2022 and 2025 not filed.
- Must resolve IRS estimated tax claim, 2021/2022 not filed.
- Must file Pre-confirmation certification.

2. Deutsche Bank (CORY WOERNER) obj arrears owed more, POC filed arrears $186,070.50. Must resolve obj.

Prop Plan $4,000 x 60 begin 1/1/26; Base
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-23509 / EJOJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $4,000.00
Cert Doc #28 - ADJ
ISSUES AS OF 4/21/2026 (DM):

1) Trustee OBJ:
- Need amend Sch I & updated proof of income for co-debtor's current position (UNRESOLVED.)
- Must provide the following documents: Four Leaf acct#4958, Coinbase acct#81fd, Exodus acct#F231, Pi acct #6LMZ, Robinhood acct#6012, Trezor acct#wpw4, Uphold acct #6C9E and Xaman acct#5QPV prior to filing date (UNRESOLVED.)
- Must provide the value of Co-Debtor 33% interest in SRT Marketing LLC (UNRESOLVED.)

***RESOLVED ISSUES***

A) Lakeview Loan (KML) OBJs - $88,301.58 arrears on real estate (CONSENT ORDER ENTERED.)

B) Trustee OBJ:
- Must file Pre-Confirmation Certification (FILED.)
- Must provide the following documents: Charles Schwab acct#2596 (RECEIVED.)


Prop. Plan $2,000 x 12, $4,625 x 48, Base Plan
- student loans treated outside plan.
PTD 2/4 = $4,000
Last Claim (14-1)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am25-23763 / EJOMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 4 required payments   Arrears: $0
Atty accepts terms

ISSUES AS OF 4/21/2026 (DM): updated 4/25/26.

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $500 x 60 STARTING 1/1/26, 100% PLAN, LOAN MOD ON US BANK POC (3-1) BY 7/31/26, OTBS ON US BANK OBJ WITHIN 30 DAYS, ORDER OF DISTRIBUTION SHALL BE AMENDED TO PROVIDE FOR THE PAYMENT OF $357.64 TIMELY GENERAL UNSECURED CLAIMS BEFORE PAYMENT OF US BANK POC (3-1) PENDING THE LOAN MOD BUT AFTER ADMINISTRATIVE CLAIMS HAVE BEEN PAID, PRE-CONFIRMATION CERTIFICATION SHALL BE FILED WITHIN 14 DAYS, FEE APP SHALL BE FILED WITHIN 7 DAYS***

1) US Bank (RAS) OBJs - $98,221.38 arrears on real estate - debtor's plan proposes to cure pre-petition arrears vial a Loan Mod which has not offered or approved (OTBS - LOAN MOD IN 90 DAYS.)

2) Trustee OBJ:
- Income verifies higher ($4,274) than scheduled ($3,847) resulting in $1,120 monthly disposable income.
- There is $2,962.40 non-exempt equity in the car, bank accounts and Acorn account, pending review of Acorn statement.
- Need December statement for the Acorn acct (UNRESOLVED.)
- Need to file Pre-Confirmation Certification (UNRESOLVED.)
- Need A Fee App within 7 days of confirmation.

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need homeowner's insurance renewal declaration - policy expired on 2/5/26 (RECEIVED - POLICY RENEWAL EFFECTIVE THROUGH 2/5/27.)
- Need updated auto insurance for 2004 Hyundai and 2014 Hyundai (RECEIVED - UPDATED POLICY EFFECTIVE THROUGH 7/3/26.)


Prop. Plan $500 x 60, Base Plan
- Loan Mod by 7/15/26
PTD 4/4 = $2,000
Last Claim (3-1)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-10011 / EJOJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $350.00
issues as of 4/21/2026 (JMA)

1) Structured Asset Mortgage Investments II INC. Prime Mortgage Trust Mortgage/US Bank (McCalla Raymer) objection to confirmation
PER LENDER ATTY NOT CURRENT ON POST SO REFI UNLIKEY - NEED TO RESOLVE
ALSO NO EQUITY
-Secured Creditor anticipates filing proof of claim with arrears of $199,458.01 on a total claim of $514,340.28.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return - for 2025, if not filed, can add to confirming order to provide no later than 5/31/2026.
- Amendments to Schedules C to take exemptions on residence and Fulton Bank.
- 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 the residence $1,269 and Fulton Bank $351.
- Ally Capital filed bifurcated claim, arrears $10,014.75, secured $15,675 and unsecured $4,280.69.
- Trustee standard order of distribution.

proposed plan $350x36 begin 2/1/2026 base plan with refinance by 8/1/2027
paid in $700
arrears $350
last claim 8-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-10014 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0
As of 4/27/26 (DS): Need to confirm at $2,680.99 paid, $928 x 57 begin 5/1/26; 100% with a min. div. $127,472 due to non-exempt equity and add to confirming order Trustee ok to pay arrears claim#7-1 of Capital One Auto $451.35.

1. No payment made for April. Payment $896.99 made 4/27/26 via TFS.

2. Capital One Auto filed arrears claim for $451.35. Trustee ok to pay?

3. Trustee additional obj: INCOME IS INSUFFICIENT DISPOSABLE INCOME VERIFIES $112. Reviewing Debtor's income provided, it verifies $3,882, not Sched I $4,800. DEBTOR NO LONGER WORKING AT 5 STAR, NOW EMPLOYED AT CUCCINIELLO PER POI PROVIDED STARTED 3/30/26.

4. Trustee previously obj to non-exempt equity in the residence $124,606 and $2,866 in Nissan total $127,472. BAR DATE HAS PASSED TOTAL GUCS FILED $39,628.95.

As of 2/18/26 (DS): 1. Debtors have not made a Trustee payment, arrears $892, made 0 out of 1 payment.

2. Trustee obj there is non-exempt equity in the residence $124,606 and $2,866 in Nissan total $127,472. BAR DATE HAS PASSED TOTAL GUCS FILED $39,628.95.

3. Wells Fargo (BROCK & SCOTT) obj arrears owed are more, POC filed with arrears $5,699.55. Must resolve obj. CO ENTERED 2/23/26 PAY ARREARS $5,699.55

Prop Plan $892 x 60 begin 2/1/26; 100%
Note: 2025 Tax return, proof of income for debtor and updated auto insurance provided.
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-10093 / EJOGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $2,646.00
issues as of 4/21/2026 (JMA)

1) IRS Secured claim estimated for 2012, 2013 and 2016. NEED TO RESOLVE
2) IRS Unsecured Priority claim estimated for 2022, 2024 and 2025. NEED TO RESOLVE
3) IRS Unsecured General claim estimated for 2020 and 2021. NEED TO RESOLVE
4) The mortgage statement address is Bumble Bee, the property address on the statement is Bonnie Burn. NEED CONFIRMATION THAT THERE ARE NOT TWO PROPERTIES OWNED BY DEBTOR. IF THERE ARE, WE NEED DEED, CMA, HOMEOWNERS INSURANCE AND MORTGAGE AND AMENDED SCHEDULES.
5) DEUTSCHE BANK (RASC) objection to confirmation - NEED TO RESOLVE
- Secured Creditor holds a security interest in the Debtor's real property Bonnie Burn Road.
- Debtor appears to disclose his residence as Bumble Bee Lane.
- Secured Creditor anticipates its proof of claim will reflect pre-petition arrears of $188,498.25
6) State of New Jersey, Division of Taxation - objection to confirmation - NEED TO RESOLVE
- Taxation has filed the following claim against Debtor, claim 1-1.
- Priority debt in the amount of $14,434.78 for unfiled and unpaid Gross Income Tax - Individual for the tax years 2022, 2023 and 2024.
- General Unsecured debt in the amount of $18,302 for unfiled and unpaid taxes for tax years 2019, 2020 and 2021.
7) Trustee objection to confirmation - NEED TO RESOLVE
The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return - 2025 by 5/31/2026
Estimated tax claims for IRS and St Of NJ

proposed plan $3,032x60 base plan
paid in $6,450
arrears $2,646
last claim 3-1
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-10171 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing on Modified PlanContinued
5/20/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $99.00
As of 4/27/26 (DS): Debtor atty requested adj to allow time to resolve obj and MFR

As of 4/27/26 (DS): 1. MFR filed by Freedom Mortgage, Debtors have not made payments since 2/1/26 total arrears owed $14,907.48, sched 5/20/26. Must resolve.

2. Capital One Auto (GAVIN STEWART) obj to plan propose to pay claim in full with interest rate less. Claim filed is bifurcated, arrears $2,054.24, secured portion is $35,875 and unsecured $3,768.80. Creditor obj must be resolved.

3. BELOW ISSUES REMAIN UNRESOLVED.

As of 3/16/26 (DS): Debtor atty requested adj, MOD PLAN FILED, EMAILED DEBTOR ATTY INFORMING THAT SERVICE TO CAPITAL ONE IS NEEDED AND ADJ REQUEST MUST BE SUBMITTED DUE TO CREDITOR OBJ

1. Trustee obj to the following:
- Must provide 2025 Tax return, if not filed can add to confirming order to provide no later than 5/31/26.
- Excessive expense on Sched J: $620 Medical/dental and $987 Car payment. AMENDED SCHED J CHANGED MEDICAL EXPENSE TO $400.
- Disposable income verifies $8,791. Case is above median, once all claims are resolved, I will review and determine what the disposable income is on Line 45.
- Capital One filed bifurcated claim with arrears $2,054.24, secured $35,875 and unsecured $3,768.80. MOD PLAN CRAMS INTEREST, NO SERVICE ISSUED TO CREDITOR

2. Freedom Mtg (KIMBERLY WILSON) obj arrears owed are more than plan, no POC filed. Must resolve obj. MOD PLAN FAILS TO ADD ARREARS PER POC FILED

3. IRS filed estimated tax claim, 2025 tax return no filed.

Prop Plan $2,500 x 60 begin 2/1/26; Base
Note: Amended Sched A/B and C filed to add child support. HUD for sale of Nottingham and purchase of residence provided. Updated auto insurance provided.
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-10178 / EJOErik Frins, Esq.Confirmation Hearing ScheduledContinued
7/22/2026 10:00 am
Debtor has made 4 of 3 required payments   Arrears: $0
ADJ 7/22 - Amended schedules & Matrix adding Probation Department within 14 days

ISSUES AS OF 4/23/2026 (DM):

***Need POCs filed for DSOs - note that debtors need to increase the Trustee payment to $2,892 starting May if the DSO numbers are correct***

1) None of the DSO recipients have filed POC nor has the agency that is responsible for the collection of the obligations (UNRESOLVED.)

2) Trustee OBJ:
- Need DSO form for all obligations (RECEIVED.)

***RESOLVED ISSUES***

A) First Atlantic FCU (Saldutti) OBJs - creditor objects to the plan to the extent that the debtor has severely undervalued the 2017 Nissan Rogue (CO ENTERED - $14,418.30 GROSS TO BE PAID.)

B) Carrington Mtg (HLADIK) OBJs - $28,762.93 arrears on real estate (CO SUBMITTED TO CHAMBERS TO PAY.)

C) Need proof of service on Foundation Finance for secured windows (CERT OF SERVICE FILED - CREDITOR SERVED 3/11/26.)

D) Mariner Finance filed a bifurcated claim on a 2011 GMC Yukon that needs to be addressed (RESOLVED - SURRENDERING.)


Prop. Plan $2,800 x 60, Base Plan
PTD 3/3 = $9,100
Last Claim (29-3)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-10430 / EJOAndy Winchell, Esq.Confirmation Hearing ScheduledContinued
7/22/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
issues as of 4/21/2026 (JMA)
AR NO RESOLUTION OF TRUSTEE OBJECTIONS SINCE FEB
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 $4,477.83. UPDATED INCOME IS LOWER AND NOW THERE IS $1,750.73 DISPOSABLE INCOME
- Reviewed the 22C, monthly gross income is $10,561. Per the 22C, monthly disposable income is $2,221 which requires a minimum dividend of $133,260 to general unsecured creditors.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
2) Debtor provided three paystubs from Comairco - COMAIRCO IS CURRENT EMPLOYMENT
3) NEED TO FILE AMENDED SCHEDULE I SHOWING CHANGE IN EMPLOYMENT

proposed plan $1,600x60 base
paid in $4,800
last claim 10-1

RESOLVED ISSUES:

- Need a statement for the debtor's 401k loan - RESOLVED, PROVIDED STATEMENT LOAN BALANCE $5,251.70 AS OF 2/11/2026. LOAN PAYMENT $239.88.
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return - for 2025 by 5/31/2026-RESOLVED, PROVIDED 2025 RETURN



Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-10655 / EJOJohn Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0
UPDATED 4/27/2026 (JMA)

OK TO CONFIRM AT $1,300X60 BEGIN 2/1/2026 100% PLAN

issues as of 4/21/2026 (JMA)

1) Andrews Federal Credit Union (Pluese Becker) objection to confirmation - RESOLVED, ARREARS $40,454.65 PAID THROUGH PLAN
- The mortgage holder will soon file proof of claim in the amount of $241,590.98 with pre-petition arrears $40,454.65.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED.
- 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 $100,697 non-exempt equity in the residence (100% PLAN)

proposed plan $1,300x60 begin 2/1/2026 100% plan
paid in $3,900
last claim 7-1

Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-10751 / EJOLawrence W. Luttrell, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 1 of 3 required payments   Arrears: $1,198.00
AS OF 4/28/2026 (at):

DEBTOR HAS MADE ONE OF THREE PAYMENTS AND WE NEED HOMEOWNER'S INSURANCE (AR - okay with updated insurance uploaded.)

RECEIVED PROOF OF A SCHEDULED TFS PAYMENT FOR $1,198 ON 4/28/2026.

Trustee's objection:
- The debtor has insufficient income. Disposable income verifies -$1,431. Debtor will need to do e-Wage. (LANGUAGE ADDED)
- The debtor has failed to file a feasible plan - that propose a tier plan when car payment $424 ends 7/2026 and PERS loan $396 ends 8/2026. (MOD PLAN NOT FILED)
- The debtor has failed to file the required Pre-Confirmation Certification . (NOT FILED)
- 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, insurance provided does not have this or show this coverage. (NOT RECEIVED)
- A Modified Plan that propose Trustee standard order and marks off Part 8d Post-petition claims. (MOD PLAN NOT FILED)
- The debtor has undertaken an improper use of exemption. Specifically: Real property attempts to claim $220,528 under 11 USC section 522(b)(30(b) for property transferred by the debtor to
his spouse/Trust 6 mos before filing and continues to reside in the property.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Real estate taxes $7,384.42 (This should be annually, is paid by mortgage and should be removed), Homeowner insurance $1,282 (This also should be annually, is paid by mortgage
and should be removed) and Auto insurance $400 (verifies $378).
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,261 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The circumstances and contents of the debtor's Plan, when taken in their totaility, indicate that
the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)(3).
- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidat
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-10764 / EJOAndre L. Kydala, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
AS OF 4/27/2029 (at):

NEED OUTCOME OF MOTION TO CONDUCT 341 MEETING WITH POA WHICH IS SCHEDULED FOR 4/29/2026.

1. 341 has not been conducted.
2. Payments: 3/3
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-10828 / EJODonald C. Goins, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,055.00
Atty has pictures of money orders for $2,110
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-10999 / EJOLee M. Perlman, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 3 required payments   Arrears: $0
Atty okay with step-up when pension loan ends in month 12 - note that part of the income is SSDI with respect to disposable income

issues as of 4/21/2026 (JMA)

1) Sun West Mortgage Company, Inc (POWERS KIRN LLC) objection to confirmation - NEED TO RESOLVE
- Secured creditor expects to file pre-petition arrears claim in the approximate amount of $1,981. (CONSENT ORDER ENTERED)
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file a feasible plan - that propose a tier plan when pension loan payment $1,130 ends in month 12.
- Balance loan on US Dept of Agriculture mortgage, if no claim is filed, copy of Cashier's check; acct #8326 statement balance $2,471.61, Charles Schwab and Robinhood stocks statements, prior to filing date.
- 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 would be non-exempt equity in the residence using Zillow $36,509 (pending updated CMA and
comps), there is non-exempt equity in Bank acct#8814 $194, FCU $5 and pending statements from Cashier's Check, Charles Schwab and Robinhood stocks (pending statements). STATEMENTS NOT PROVIDED
3) DEBTOR PROVIDED RECEIPT OF $5,000 FROM CREDIT UNION AS OF 1/6/2026
4) Spouse was not required to file state or federal tax years for 2022, 2023 and 2024 because I did not have enough income in those years.

proposed plan $285x36 begin 2/1/2026 Base plan
paid in $855
last claim 6-1

RESOLVED ISSUES :

- A copy of the last filed tax return - from spouse for 2024. Per Debtor 2024 Tax return they filed separately. Also need both 2025 Tax Return. RESOLVED, SPOUSE NOT REQUIRED TO FILE TAX RETURN, DOES NOT HAVE SUFFICIENT INCOME.
- The debtor must provide updated proof of auto insurance for the 2009 Acura MDX. The policy provided expires on 3/14/26. RESOLVED, PROVIDED POLICY RENEWAL GOOD THROUGHT 3/14/2027
- The debtor has failed to supply the Trustee with
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11159 / EJOLaurence R. Sheller, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 4/21/26 (SF)

Trustee objection:

- Must provide a copy of the last filed tax return - 2025 by 5/31/2026

- Need a Modified Plan that completes Part 5 stating amount to be paid to unsecured claims.

- Bank account #3266 balance as of 1/6/2026 is $29,060.42, and account #7020 balance as of 1/6/2026 is $73.63. Need to amend Schedule A/B to reflect the correct amount.

- Need to correct Schedule C to list total balance of the checking account $29,060.42 and savings account $73.63 and the correct amount of exemption.

- Need Certification regarding real estate transaction that debtor conducted for her sister.
- There may be non-exempt equity in this case depending on amendments and Certification
requested above. (CERT PROVIDED: Property was transferred to debtor by sister on 3/18/24. Debtor sold the property on 8/8/25 and received proceeds of $60,513.50 which she states that she put the house into her name to sell for her sister who lives in the Virgin Islands. She gave her sister $40,600 and paid her landlord $2957 and retained $12,371 for possible taxes to be paid on sale. (NEED ATTORNEY REVIEW)



Plan proposes $100 x 36
Payments: 2/2



RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11177 / EJOMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,750.00
issues as of 4/17/2026 (JMA) - need to adjourn confirmation hearing to allow 341 to be held

1) 341 not held, rescheduled for 5/21/2026

Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11199 / EJOKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
As of 4/20/26 (DS): 1. Trustee obj to the following:
- Must provide PNC Bank statements from 1/21/26-2/2/26 and 2 months bank statements from CashApp prior to filing date and 2025 tax return, if no filed can add to confirming order to provide no later than 5/31/26.
- There may be non-exempt equity in the bank accts pending bank statements.
- The plan fails to mention the bifurcated claim of Credit Acceptance for 2014 Toyota with arrears $40,734, secured $9,255, unsecured $31,479 and 2 mortgage claims on the residence by US Dept of HUD and CBC Mortgage both have no arrears.
- 22c-1 Line 15b has current monthly income for the year $175,714.56 household of 2 $104,136, therefore, 22C-2 should have been filed, but was not filed. Case is above median. Must file 22C-2.
- Must resolve State of NJ estimated tax claim, 2025 not filed.
- Must file Pre-confirmation certification.
- Add to confirming order fee app within 7 days from confirming order.
- Add to confirming order Debtor to provide updated proof of income no later than 11/15/26.

Prop Plan $1,740 x 60 begin 3/1/26; Base
Note: There is no equity on the residence, due to secured mtg claims filed.
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11206 / EJOJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 4/27/2026 (at):

1. Objection filed by Flagstar Bank (KML) - failure to cure arrears of $560. (Per POC). Plan proposes to pay $0. (RESOLVED - PAY PER POC)

2. Trustee's objection:
- Amendments to Schedules Schedule A/B fails to provide current value. (NOT AMENDED)
- 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 $32,072.00 non-exempt equity in house. Need proof this is affordable housing with a Deed restriction to adjust the value of the home. (PROOF NOT RECEIVED)

RESOLVED ISSUES:
- The debtor has insufficient income. disposable income only $486.93. (CURRENT)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2025 by 5/31/2026 (RECEIVED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)

Plan proposes: $500 x 36 beginning 3/1/2026, base
Payments: 2/2
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11207 / EJOJustin M. Gillman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 4/20/2026 (at):

RECOMMEND: $800 X 24 BEGINNING 3/1/2026, $1,800 x 36 BEGINNING 3/1/2028, 100% PLAN
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.

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 2025. (RECEIVED)
- 401(k) loan balance statement prior to filing date. (RECEIVED - LOAN PAID OFF IN MONTH 31 - ADDITIONAL $77/MONTH)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Transportation $1,000, Auto insurance $1,711, 3 car payments $540, $432 and $648 and
Spouse debt $1,100. Must provide proof of expenses. Expenses are allowed as long as case remains 100%
- 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 Line 45 shows disposable income $4,236.07, which would require min. div. $254,164 to gucs. Plan propose 100%.
- Fee app within 7 days from confirming order. (LANGUAGE ADDED)

Plan proposes: $800 x 24 beginning 3/1/2026, $1,800 x 36, 100% plan
Payments: 1/2, arrears $800
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11290 / EJOPRO SEConfirmation Hearing ScheduledDismissedDebtor has made 1 of 2 required payments   Arrears: $0
NA
As of 4/22/26 (DS): 1. MFR filed by Kriegman & Smith (LL), Debtor in post-pet arrears for March and April total $4,583.60, sched 4/29/26, no opposition filed.

2. DEBTOR HAS NOT MADE APRIL'S PAYMENT.

3. THERE IS AN ORDER TO SHOW CAUSE BY COURT FOR FAILURE BY DEBTOR TO PAY THIRD INSTALLMENT $78.25 SCHED 4/30/26.

4. Lehigh County Domestic Relations has not filed a claim, bar date has passed.

5. BELOW ISSUES REMAIN UNRESOLVED.

4/8/26 (DS): 1. Trustee obj to the following:
- Must provide proof of income from Instacart for Dec. and Jan. The P&L provided does not have a date.
- Amendments to Scheds A/B to add Capital One Bank checking/savings accts to add funds in accts chkg $382 svgs $4.
- Amend Sched I to add new employment with Post Office (USPS).
- Income verifies much higher, pending proof of income. Tax refund $2,250 not listed on Sched I.
- Plan fails to provide for a prompt cure of rental arrears.
- Must file Pre-confirmation certification.

Prop Plan $293.85 x 36 begin 3/1/26; Base
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11462 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
7/22/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 4/20/2026 (at):

1. Objection filed by Fawn Lakes Condo Association (Cutolo Barros) - failure to cure full arrears of $22,630.74 (Per POC) (UNRESOLVED)

2. Objection filed by Santander Bank (Eisenberg Gold) - if debtor does not pay Santander in full, they will go after the co-debtor. (UNRESOLVED)

3. Trustee's objection:
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation. (LANGUAGE ADDED)
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2025 by 5/31/2026. (RECEIVED)
- A Modified Plan that adds all cramdowns to Section 4 AND Seciton 7 of the Plan (MODIFIED PLAN FILED)
- 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 $25,257 in non exempt equity in the residence. (LANGUAGE ADDED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on Santander Bank. (OBJECTION FILED)
- Fawn Lakes Condo Association filed a bifurcated claim which needs to be resolved. (OBJECTION FILED)
- Need to resolve objection by Fawn Lakes Condo Association. (UNRESOLVED)

Modified plan before confirmation proposes: $870 x 60 beginning 3/1/2026, 100% plan
Payments: 2/2
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11488 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 4/22/26 (SF)

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

2. The plan proposes to pay arrears in the amount of $12,581 to WestLake Portfolio for a 2015 Volkswagon. The arrears are only $3516.64. Does the debtor want to pay the claim in full?

3. The plan proposes to pay a DSO obligation. Must complete DSO Information Sheet and submit to the Trustee

4. Trustee objection:

- The debtor has insufficient income.

- The debtor has failed to file a feasible plan - There is insufficient income to fund this plan .

- Must provide Proof of 2 month's income - for spouse once she returns to work.

- Need a copy of the last filed tax return - for 2025 by 5/31/2026.

- Need Amendments to Schedules I & J for new job
Need proof of income for spouse once she returns to work.

- Plan need a minimum of 16,000 to cover what debtor spent in cash in the 3mos prior to filing.

- need update proof of income for new job debtor started

Plan proposes $250 x 6; $523 x 54 Base Plan
Payments: 5/5

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11522 / EJOCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
issues as of 4/21/2026 (JMA)

1) Santander Bank (Eisenberg Gold & Agrawal) objection to confirmation - NEED TO RESOLVE
- The 2023 Chevrolet Silverado cannot be crammed down since it was purchased on November 6, 2024, less than 91 days before the filing of this petition. As a result, the claim must be paid in full.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return
- The debtor has failed to provide proof of service with respect to Plan Motion(s). Must service Santander at address listed on POC.
The proof of income is higher after adding the VA benefits deposited into his account of $1961 monthly.
3) IRS priority claim estimated for 2024 and 2025 taxes.

proposed plan $648.66x60 begin 3/1/2026 base plan
paid in $1,297021
last claim 10-1
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11541 / EJOMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0
As of 4/27/26 (DS): Ok to confirm at $1,000 x 33 begin 3/1/26, $1,913 x 27 begin 12/1/28; 100% to gucs
- Section 3a to be stricken and not paid as to IRS and State of NJ taxes, no claims filed.
- Fee app within 7 days from confirming order.
- Student loans to be treated outside.
- Within 7 days from confirming order.


1. Bar date has passed no claims filed by IRS and State of NJ. Recommend striking and not paying.

As of 3/16/26 (DS): Debtor atty requested adj to pass bar date 4/22/26

3/18/26 (DS): 1. Trustee obj to the following:
- Disposable income verifies $2,076. PLAN PROPOSE 100%
- 22c has disposable income $1,677, which would require min. div. $100,620 to gucs. Plan propose 100%. Recommend waiting pass bar date 4/22/26, no gucs filed.
- Must file Pre-confirmation cert.

Prop Plan $1,000 x 33 begin 3/1/26; $1,350 x 27; 100%
Note: 2025 Tax Return, 401(k) loans 1 & 2 and updated auto insurance provided.
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11610 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
As of 4/20/26 (DS): 1. Trustee obj to the following:
- Must provide 2 months bank statements from Bank of America svgs acct#120 (transfers shown on
acct#443 & stubs), statements from Bank of America acct#244 (transfers shown on acct#443) prior to filing date, statements from Bank of America acct#428 from 1/17/26-2/13/26 and Bank of America acct#443 from 1/17/26-2/13/26 and 2025 Tax return, if not filed can add to confirming order to provide no later than 5/31/26.
- Must amend Sched A/B and C to add 2016 VW and add Bank of America accts #120 and #244.
- 22C has excessive expense on Line 30 Additional food/clothing $77.
- Sched J has excessive expenses: Tele/Cell/Internet/Cable $610, Food $1,420, Clothing $500, Auto insurance $1,009 (verifies $765) and Pet insurance $67.95. Must provide proof of expenses 10 days prior to confirmation.
- 22c has disposable income $1,102.14 and add back $77 there would be disposable income
$1,179.14, which would require min. div. $70,748 to gucs.
- After deducting excessive expenses the disposable income would be $1,981.
- Plan fails to propose the non-exempt equity $48,896 non-exempt equity in the residence and Bank of America accts pending all bank
statements and amended Sched A/B and C.
- Citizens Bank filed arrears claim for $1,144.63 and First Atlantic FCU filed arrears $450.45. They need to be paid or move against claims.

2. NewRez (ALEISHA JENNINGS) obj to arrears owed $8,920.76, no POC filed. Must resolve obj.

3. First Atlantic FCU-2018 BMW filed bifurcated claim with arrears $450.45, secured $9,640 and unsecured $2,864.21. How is claim to be handled?

Prop Plan $1,102 x 60 begin 3/1/26; Base
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11671 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0
Work-up at 100%
AS OF 4/17/2026 (at):

RECOMMEND: $2,000 x 60 BEGINNING 3/1/2026, 100% PLAN
- Student loans will be paid outside of the plan.

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):
- 22C has disposable income $6,369.27, which would require min. div. $382,156 to gucs or 100%.
- dispos income verifies at $5,142.87 per month
- need a certification from debtor as to business negative income. (UPLOADED)

RESOLVED ISSUES:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $4,990 when determining disposable income. (2025 REFUND 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 - for 2025. (RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Spouse credit cards $3,000 . Must provide proof of expenses 10 days prior to confirmation. (MINIMUM MONTHLY PAYMENTS TO CREDIT CARDS IS $600)

Plan proposes: $2,000 x 60 beginning 3/1/2026, base
Payments: 2/2
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11674 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 4/22/26 (SF)

1. Objection filed by NewRez (Wohlrab) - failure to pay arrears in the amount of $163,509.60 and speculative loan mod

2. Motion to Participate in Court's Loss Mit Program scheduled for 4/29 at 9 (Contested)

3. Trustee objection:

- The debtor has insufficient income.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $295 when determining disposable income.



Plan proposes $500 x 12; $3200 x 48 Loan Mod by 8/1/26 Base Plan
Payments: 2/2

RESOLVED:
- There is estimated non-exempt equity in the residence of $47,594, pending the estimated tax claim. (MOOT, CLAIMS ARE HIGHER)

- Must resolve IRS estimated tax claim, 2024 and 2025 not filed. (AMENDED)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11684 / EJOLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
issues as of 4/17/2026 (JMA) - need to adjourn confirmation hearing to allow 341 to be held

1) 341 not held, rescheduled for 5/21/2026
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11690 / EJOYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $13,800.00
Atty has a copy of cashier's check for $13,800 to be mailed - ADJ to 6/10

As of 4/17/26 (DS): 1. Debtor is in arrears $13,800, made a payment of $1,000, when monthly payments are suppose to be $7,400.

2. Trustee obj to the following:
- Must provide HUD from sale of real estate in Manalapan, NJ.
- Excessive expense for car $2,200.
- 22c has disposable income $22,064.33. Plan propose 100%.
- There is estimated non-exempt equity in the residence $596,756, pending the estimated tax claims.
- Must file Pre-confirmation certification.

3. Must resolve IRS estimated tax claim, 2025 tax return not filed.

4. Must resolve State of NJ estimated tax claim, 2019-2024 not filed.

5. Grove Funding (LAURA EGERMAN) obj to loan mod and arrears paid are less than what is owed. Must resolve obj.

6. Stay relief granted to GM 2022 Cadillac. Plan propose to pay arrears. This will need to be stricken and not paid and surrendered.


Prop Plan $7,400 x 60 begin 3/1/26; 100%
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11718 / EJOJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 4/16/2026 (at):

1. Objection filed by US Bank (Robertson Anschutz) - 6 months is too much time to sell. Creditor wants a deadline of 8/15/2026. (OTBS - 10/1 WILL BE THE DEADLINE)

2. Objection filed by Valley National Bank (Hill Wallack) - failure to cure arrears of $25,072.41 (Per POC). Plan lists creditor as unaffected. (UNRESOLVED)

3. 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):
- Using all paystubs provided there is disposable net income of $4,118.13. This is much higher than the scheduled amount.
- There is $268,503.85 non-exempt equity in house. (LANGUAGE ADDED)
- There is $3,150 non-exempt equity in electronics. (LANGUAGE ADDED)
TOTAL NON-EXEMPT EQUITY IS $271,653.85

Plan proposes: $645 x 60 beginning 3/1/2026, sale of residence within 6 months of confirmation, 100% plan
Payments: 2/2
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11733 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 4/17/26 (SF)

1. Attorney must request adjournment
2. 341 not held- rescheduled to 5/7/26
3. Payments: 1/2
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11751 / EJOThomas G. Egner, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
issues as of 4/28/2026 (JMA)

1) 341 not held, rescheduled to 5/14/2026
2) Current with Trustee plan payments, arrears $6,750


proposed plan $6,750x60 base plan
paid in $6,750
arrears $6,750
last claim 10-1
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11782 / EJOYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
As of 4/24/26 (DS): Debtor atty requested adj to allow time to resolve all issues.

As of 4/17/26 (DS): 1. Trustee obj to the following:
- Must provide copy of Divorce degree/property settlement agreement that called for sale of real property, copy of the HUD-1 statement for the property sold 1/17/24 for $492,000 and 2025 Tax Return.
- Amendments to 22C-1 and 22C-2 to take household of 1. Debtor is not married and has no dependents.
- 22C has excessive expenses due to incorrect expenses taken for household of 2. Line 13e
should be $391.81 and Line 13c should be $270.19, Line 15 $244 should be removed, Line 20 Education $200 should be removed, no education on Sched J, Line 23 $400 only allowed $75 and Line 30 Additional food/clothing $52 should be removed. Tax refund not on 22C $34.42 which would leave Line 45 with disposable income $726.90 which would require a min. div. $43,614 to gucs and more disposable income once amended 22C has been filed to change to household 1.
- Sched J has excessive expenses: Food $650, Clothing $150, Personal care $120,
Entertainment $150, Life insurance $300 and Auto insurance $450 (verifies $165 for 2 cars). Must provide proof of expenses 10 days prior to confirmation.
- 22C will have disposable income once amended 22C has been filed to change from
household 2 to household 1.
- Disposable income verifies $1,595. Schedule I failed to add tax refund.
- Must file Pre-confirmation certification.

Prop Plan $200 x 60 begin 3/1/26; Base
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11787 / EJOMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 4/22/2026 (at):

1. Objection filed by Citimortgage (Powers Kirn) - failure to cure full arrears of $61,591. (Per objection, no claim filed yet) Plan proposes to pay $55,000. (UNRESOLVED)

2. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2025 by 5/31/2026. (LANGUAGE ADDED)
- Need a statement for the debtor's save plan loan. (LOAN PAID OFF IN MONTH 8 OF PLAN. ADDITIONAL $150/MONTH IN INCOME BEGINNING MONTH 9)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$608/month for cable/internet/phone
$438 & $436/month car payments (only one car lien listed on Schedule D)
Need proof of expenses 10 days prior to confirmation. (NOT RECEIVED)
- The current Plan does not specify treatment of Carvana's secured arrears claim and IRS secured claim under the Plan.
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)

Plan proposes: $900 x 60 beginning 3/1/2026, base
Payments: 2/2
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11791 / EJOFrancis P. Cullari, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,560.00
AS OF 4/22/26 (SF)

1. Objection filed by Rocket Mortgage (Kelly) - failure to pay arrears of $22,430.75 (No claim filed yet)

2. Trustee objection:
- The debtor has insufficient income.

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

- The confirming order should provide for a $95,342 equity threshold


Plan proposes $1560 x 60 100% Plan
Payments: 1/2 Arrears: $1560

Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11841 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
issues ad of 4/21/2026 (JMA)

1) US Bank (KML) objection to confirmation - NEED TO RESOLVE
- Creditor plans to file claim for estimated pre-petition arrears in the amount of $1,288.50.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of
confirmation.
- The debtor has failed to file the required Pre-Confirmation Certification -NOT FILED TO DATE.
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return - for 2025 by 5/31/2026.
- 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 $114,609 in non-exempt equity in the residence.

proposed plan $587x60 100% plan
paid in $1,174
last claim 1-1
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11889 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
Debtor atty filed response 4/28/26 3:36pm, no time to review

As of 4/17/26 (DS): 1. Trustee obj to the following:
- Must provide TD Bank acct#892 statements from 12/6/25-2/20/26.
- 22c has excessive expenses: Line 29 Education takes $1,050 (not on Sched J and only
allowed $214.58 per child) and Line 26 care for elderly parents $300.
- Sched J has excessive expense: Home maintenance $300 (does not own home), Taxes $115, College savings $450, Tutoring $200, Children sports $300 and Parent support $300. Must provide proof of expenses 10 days prior to confirmation.
- 22c would have disposable income $1,446.91 after fixing the education expense, which
would require min. div. $86,815 to gucs.
- Disposable income would be much higher as well, pending proof of expenses.
- There is non-exempt equity $4,701 in TD Bank acct#594, Sched B has $750 and $74 in Bank of America and pending TD Bank acct #892.

Prop Plan $900 x 60 begin 3/1/26; Base
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11904 / EJOJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 4/23/2026 (at):

1. Objection filed by Itria Ventures LLC (Seidman & Pincus) - plan does not propose to pay creditor's perfected lien. (UNRESOLVED)

2. Objection filed by Nexus Nova LLC (Robert Fay) - failure to cure arrears of $2,151.90 (Per POC) (UNRESOLVED)

3. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2025 by 5/31/2026. (LANGUAGE ADDED)
- 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):
-Excess expenses on Schedule J $511/home maintenance; $650/telephone, cell phone, internet; $1,900/food family of 4; auto insurance $995 for 2 luxury cars; spouse debt service,
need to provide supporting documentation. Documentation in support of expenses must be provided to Trustee within 10 days of confirmation hearing. (NOT 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 $61,500 non-exempt equity in house. (LANGUAGE ADDED)
- Need to amended Sch A/B, Q#38 upon update received from debtor's accountant. (NOT AMENDED)
- Bank acct #1903 balance as of 1/30/2026 $4,155.62, need to amend schedules A/B and C to correct. (NOT AMENDED)
- Bank acct #9855 balance as of 1/20/2026 $5,234.04, need to amend schedules A/B and C to correct. (NOT AMENDED)
- Debtor has made payments to creditors that may be recoverable as preferences or fraudulent transfers. The Trustee reserves the right to amend its objection upon further investigation .

Plan proposes: $1,600 x 60 beginning 3/1/2026, base
Payments: 2/2
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-11943 / EJOJohn D. DiCiurcio, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 1 of 2 required payments   Arrears: $1,263.00
AS OF 4/22/26 (SF)


Trustee objection:

- Must file a Modified Plan that completes parts 8c and 8d.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$715/month for utilities
$853/month car payment
Need proof of expenses 10 days prior to confirmation.

- - Verified income leaves monthly disposable income of $4,018. (100% PLAN)

- The Schedules fail to account for the debtor(s) tax refund in the amount of $4,562 when determining disposable income.

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

- One Main filed a bifurcated claim 3-1. $10,300 Secured, $17202.99 unsecured and $425.83 arrears (HOW SHOULD THIS CLAIM BE PAID?)

Plan proposes $1263 x 60 100% Plan
Payments: 1/2 Arrears: $1263

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- The debtor must provide proof of auto insurance for the 2014 Hyundai. (RECEIVED)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12005 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $3,112.00
issues as of 4/17/2026 (JMA) - NEED TO REQUEST AN ADJOURNMENT FOR THE CONFIRMATION HEARING, ALLOWING THE 341 TO BE HELD

1) 341 not held, rescheduled for 5/14/2026
2) No Trustee plan payments to date, arrears $3,112
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12012 / EJOKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
7/22/2026 10:00 am
Debtor has made 3 of 2 required payments   Arrears: $0
As of 4/17/26 (DS): 1. Trustee obj must resolve IRS estimated tax claim, 2021 and 2025 not filed and must provide 2025 Tax return.

Prop Plan $721 x 60 begin 3/1/26; Dollar Base $18,000
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12045 / EJOLaurence R. Sheller, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $600.00
AS OF 4/17/2026 (at):

1. The attorney's fees in the plan ($2,758) and the disclosure statement ($2,958) do not agree. One of these must be amended. (NEITHER AMENDED)

2. The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)

3. Santander filed a bifurcated claim which needs to be resolved.

4. Objection filed by NJ Housing and Mortgage Finance (Pluese, Becker) - failure to cure arrears of $76,177.88 (Per POC). Plan lists creditor as unaffected. (UNRESOLVED)

5. Trustee's objection:
The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for wife's part time job along with amended schedule I. (NOT RECEIVED OR AMENDED)

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 $73,238 non-exempt equity in house
-There is $73,325 non-exempt equity in figurines and autographs
-There is $3,200 non-exempt equity in bank accounts (debtor states atty holding the $3,200 as Trustee plan payment)
-There is 8,000 non-exempt equity in the 2014 Chevy Silverado
-There is $4,975 non-exempt equity in the 2023 Chevy Silverado
TOTAL NON-EXEMPT EQUIY $162,738 (LANGUAGE ADDED)

Plan proposes: $1,900 x 60 beginning 3/1/2026, 100% plan
Payments:1/2, arrears $600
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12076 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 4/21/26 (SF)

1. Mortgage claim has not been filed yet. Bar date expires on 5/8/26.

2. Trustee objection:

- There is non-exempt equity in the residence $203,262. (100% PLAN)

- Need Settlement Statement from real estate, also located on Monroe Avenue, sold approximately 2 years ago. (Property sold on 7/28/22. Debtor Received $142,293.74




Plan proposes $1031 x 60 100% Plan
Payments: 1/2 Arrears: $1031

RESOLVED:

- Must provide a copy of the last filed tax return - for 2025 by 5/31/26. (RECEIVED)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12148 / EJOMark N. Glyptis, Esq.Confirmation Hearing ScheduledContinued
7/1/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $789.00
issues as of 4/17/2026 (jma) - NEED TO REQUEST ADJOURNMENT FOR CONFIRMATION HEARING

1) 341 not held, rescheduled for 5/21/2026
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12152 / EJOMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
As of 4/24/26 (DS): Debtor atty requested adj to allow time to resolve obj

As of 4/17/26 (DS): 1. Trustee obj to the following:
- 22C has excessive expenses: Line 20 Education $2,559.19 condition for job or physically /mentally challenged dependent child if no public education and Line 43 Non-debtor spouse expenses $3,600. Must provide proof of expenses 10 days prior to confirmation.
- Sched J has excessive expenses: Childcare/education $2,559.16, spouse Car payment $766, Cell phones/watches/ iPads $300, spouse credit cards/ loans $3,000, Spouse support to mother $600 and Contribution to Debtor's mother $400. Must provide proof of expenses 10 days prior to confirmation.
- Due to 22c excessive expenses there would be additional disposable income, plus Line 45
has disposable income $1,597.24, pending proof of all expenses Trustee is to determine if case is 100% or minimum dividend $95,834 or more.
- Add to confirming order fee app within 7 days from confirming order.
- Must file Pre-confirmation certification.

Prop Plan $1,835 x 60 begin 3/1/26; Dollar Base $95,820
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12168 / EJOBruce C. Truesdale, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $850.00
AS OF 4/17/2026 (at):

SHOULD ADJOURN TO AFTER BAR DATE OF 5/8/2026. 100% PLAN.

Trustee's objection:
- The debtor has insufficient income. (E-WAGE LANGUAGE ADDED)
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2025 tax return by 5/31/2026. (LANGUAGE ADDED)
- The current Plan does not specify treatment of Citizens Bank's secured claim under the Plan. (PAY)
- 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 $124,070 in non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)
- There is $6,155 in non-exempt equity in the Jeep. (LANGUAGE ADDED)
- Debtor moved out of the marital home. Need amended Sch J for new rent expense. Sch I may also be impacted (SCHEDULES AMENDED)

Plan proposes: $850 x 60 beginning 3/1/2026, base
Payments: 1/2, arrears $850
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12228 / EJOKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 4/21/26 (SF)

1. Objection filed by Rocket Mortgage (Courtney Shed) - failure to pay arrears of $5132.68

2. Trustee objection:
- The debtor has failed to file a feasible plan - that propose a tier plan when co-debtor's pension loan $1,821 ends in month 4.

- Must provide Bank statements from Chase Bank acct#8611 from 1/29/26-2/28/26

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Auto insurance $448 (verifies $353 with surrender of 2019 Tesla should be $158).

- 22C has disposable income $1,842.79 and more pending if IRS and State of NJ file claims.

- Disposable income verifies $5,425.

- There is non-exempt equity in the residence $168,831.

Plan proposes $1000 x 6; $1975 x 54 Base
Payments: 2/2

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12243 / EJOAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledContinued
7/1/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
issues as of 4/17/2026 (JMA)

1) 341 not held
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12290 / EJOJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 2 of 1 required payments   Arrears: $0
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12291 / EJOGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 0 of 1 required payments   Arrears: $1,089.00
As of 4/28/26 (DS): Debtor atty requested adj to pass bar date 5/11/26

As of 4/17/26 (DS): 1. Debtor has not made any Trustee payment, arrears $1,089, made 0 out of 1 payment. Must make payment. ATTY PROVIDED PROOF OF PENDING TFS PAYMENT FOR $1,089 MADE 4/27/26

2. Trustee obj to there is non-exempt equity in the residence $154,854 and add to confirming order non-exempt proceeds from the estate of grandmother.

3. NewRez (CORY WOERNER) obj to arrears owed more, no POC filed. Must resolve obj.

Prop Plan $1,089 x 60 begin 4/1/26; 100%
Note: Updated auto insurance and 2025 tax return provided.
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12312 / EJOPRO SEConfirmation Hearing ScheduledMoot - Converted to 7 / 11Debtor has made 0 of 1 required payments   Arrears: $0
4/27/26 (sf) Debtor is filing application to convert to Chapter 7

AS OF 4/20/2026 (at):

1. 341 is 4/30/2025.
2. Payments: 0/1, arrears $417
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12329 / EJOAllen I. Gorski, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 1 required payments   Arrears: $0
AS OF 4/28/26 (SF) Updated


RECOMMEND $1,200 X 60 (BEGIN 4/1/26) 100% PLAN
- PRESERVE IN CONFIRMATION ORDER MINIMUM DIVIDEND OF $311,600 TO GUCS PER 122C
- ATTORNEY MUST FILE FEE APPLICATION FOR HOURLY FEES WITHIN 7 DAYS OF ENTERED CONFIRMATION ORDER


1. Trustee objection:

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Home maintenance $300, Electricity/heat/gas $700, Auto insurance $826.23, IRS installment
$150 and Student loans $1,500. Must provide proof of expenses 10 days prior to
confirmation. May be moot plan propose 100%.

- - 22C has disposable income $5,193.33, which would require min. div. $311,600. Plan propose 100%.

- Disposable income also verifies higher.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $139 when determining disposable income.

- Add to confirming order fee app within 7 days from confirming order.


Plan proposes $1200 x 60 100% Plan
Payments: 1/1


RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Objection filed by Global Lending Services (Stewart) - failure to pay arrears of $2681.37 (RESOLVED VIA C/O. OK TO PAY ARREARS)
- Must provide a copy of the last filed tax return - for 2025 by 5/31/26. (RECEIVED)
- Must provide a copy of the homeowner's insurance renewal declaration - insurance expires 4/28/26. (RECEIVED)
- IRS filed estimated priority claim 3-1 (AMENDED)
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12340 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
5/20/2026 10:00 am
Debtor has made 1 of 1 required payments   Arrears: $0
issues as of 4/17/2026 (JMA) - NEED TO REQUEST ADJOURNMENT FOR CONFIRMATION HEARING TO ALLOW 341 TO BE HELD

1) 341 not held, rescheduled for 5/7/2026

proposed plan $300x60 base plan
paid in $300
last claim 8-1
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12433 / EJOPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 1 of 1 required payments   Arrears: $0
As of 4/27/26 (DS): Atty asked to mark plan denied to file mod plan in 14 days

Need to confirm at $1,100 x 1 begin 4/1/26, $1,339 x 59 begin 5/1/26; Base with a min. div. $64,780 to gucs and preserve $59,692 due to non-exempt equity;
- Within 7 days must file Pre-confirmation certification.
- Trustee to pay claim#6-1 of IRS $4,993. Trustee to strike the language on Section 3a pro rata.

1. Trustee obj to the following:
- There is non-exempt equity in the residence $59,692.
- Must file Pre-confirmation certification.

2. Plan Part 3a priority claims IRS pro rata, claim filed and needs to be paid.

Prop Plan $1,100 x 60 begin 4/1/26; Dollar Base $64,780
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12448 / EJODavid Jerome Witherspoon, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 1 of 1 required payments   Arrears: $0
AS OF 4/24/2026 (at):

1. 341 is scheduled for 5/28/2026.
2. Payments: 1/1
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12468 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledContinued
6/10/2026 10:00 am
Debtor has made 1 of 1 required payments   Arrears: $0
AS OF 4/27/26 - Adj request denied. Need consent from objecting creditor

1. Attorney must request adjournment
2. 341 not held - rescheduled for 5/14/26
3. Payments: 1/1

Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-12478 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 1 required payments   Arrears: $0
UPDATED 4/29/2026 (JMA)

OK TO CONFIRM AT $749 PAID TO DATE, $778X59 BEGIN 5/1/2026 WHICH INCLUDES MNIMUM $31,962.01 NON-EXEMPT EQUITY IN HOUSE
-MUST PROVIDE TRUSTEE WITH 2025 TAX RETURN NO LATER THAN 5/31/2026

issues as of 4/17/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED.
- A copy of the last filed tax return - need to provide 2025 tax return by 5/31/2026. ADD TO CONFIRMATION TERMS
- 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 $31,962.01 non-exempt equity in house.

proposed plan $749x60 with minimum $31,000 to unsecured creditors
paid in $749
last claim 7-1

RESOLVED ISSUES:

- The debtor has failed to supply the Trustee with the following document(s): Business profit & loss statements; Business forms: Walk In Peace Today LLC. RESOLVED, PROVIDED
Email InquiryRequest
Adjournment
4/29/2026 10:00 am26-13248 / EJODaniel E. Straffi, Esq.Order Show CauseWithdrawnFailure to File Missing Documents. Missing Documents: Summary of Assets/Liabilities and Stat Info, Statement of Financial Affairs For Individuals, Statement of Your Current Monthly Income & Calc of Commitment Period(122C-1), Calculation of Your Disposable Income (122C-2) - If Applicable, Ch. 13 Plan and Motions (LOCAL FORM) and Schedules A/B,C,G,H,I&J.
Email InquiryRequest
Adjournment
4/29/2026 11:00 am26-13107 / EJOStephen M. Goldberg, Esq.Order Show CauseWithdrawnFailure to Meet Credit Counseling Requirements.
Email InquiryRequest
Adjournment
4/29/2026 2:00 pm19-27689 / EJOCarol L. Knowlton, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
4/29/2026 2:00 pm24-14620 / EJOJames J. Cerbone, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
4/29/2026 2:00 pm24-17373 / EJORobert C. Nisenson, Esq.Creditor Certification of DefaultContinued
6/10/2026 2:00 pm
6-10 2 PYMTS TO LENDER , STATUS OF SALE / GUARDIANSHIP
AR NOTES 6TH BKCY 5 PRIOR DISMISSALS
2 MO ARREARS
STATUS OF FORECLOSURE NO PENDING SALE JUDGEMENT ENTERED 2019
DEBTOR APPLIC FOR GUARDIANSHIP 3-4 MO MOD PLAN TO SELL WITH MOD PLAN
Debtor Obj <> US Bank (Friedman Vartolo)
Email InquiryRequest
Adjournment
4/29/2026 2:00 pm25-10051 / EJORobert Cameron Legg, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
4/29/2026 2:00 pm25-18654 / EJOJames J. Cerbone, Esq.Motion CompensationWithdrawnTr obj<> FEE APP
Email InquiryRequest
Adjournment
4/29/2026 2:00 pm25-22697 / EJOJonathan Goldsmith Cohen, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
4/29/2026 2:00 pm25-23410 / EJOMarc C. Capone, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
4/29/2026 2:00 pm25-23762 / EJOMarc C. Capone, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
4/29/2026 2:00 pm26-13470 / EJOKarina Pia Lucid, Esq.Order Shorten TimeContinued
5/20/2026 9:00 am


bridge order Support Doc #19 filed (dm)
Supplemental Service Doc #20 filed (dm)

AR NOTES ATTY TO APPEAR TO DISCUSS SUPPLEMENTAL CERT OF SERVICE BEING FILED

OST - MTN TO EXTEND STAY (adjourned to 4/29/26)
Email InquiryRequest
Adjournment
4/29/2026 3:00 pm25-22026 / EJOPRO SEAP Summons IssuedContinued
6/10/2026 2:00 pm
ADJ TO SEE IF CASE GETS CONV THEN CHP 7 ISSUE/ IF DISMISSED MOOT
Email InquiryRequest
Adjournment
4/29/2026 3:00 pm25-22026 / EJOPRO SEAP Hearing Rescheduled (Document)3rd Party Matter
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes