ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Michael B. Kaplan

Hearing Date: 5/6/2026
Last Updated: 5/12/2026 1:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryRequest
Adjournment
5/6/2026 9:00 am21-17228 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
7/8/2026 9:00 am
adj to 7/8 to get current edc

Debtor obj, proposes cure in 14 days<>ARREARS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am21-19892 / MBKWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedarrears
Email InquiryRequest
Adjournment
5/6/2026 9:00 am22-12768 / MBKRobert Cameron Legg, Esq.Trustee Certification of DefaultContinued
6/17/2026 9:00 am
AMT: MP 5/6*** NEEDS RESOLUTION**<>

Debtor obj, filing MP<> ARREARS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am22-13284 / EJOJonathan Goldsmith Cohen, Esq.Motion File Claim After Claims Bar DateContinued
5/20/2026 9:00 am
MTN ALLOW LATE POC/NJ DIV OF TAXATION
Email InquiryRequest
Adjournment
5/6/2026 9:00 am22-13595 / MBKLee M. Perlman, Esq.Creditor Certification of DefaultWithdrawnDebtor obj<> FAY SERVICING (Friedman Vartolo)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am22-15809 / MBKDavid E. Shaver, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
5/27/2026 9:00 am
ok to withdraw on the filing of motion for continued admin per ar EDC

ARREARS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am22-16368 / MBKSteven J. Abelson, Esq.Trustee Certification of DefaultContinued
5/27/2026 9:00 am
will send one payment now and 2 more by 5/27 or D

Debtor obj<> ARREARS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am22-17388 / MBKJustin M. Gillman, Esq.Motion to approve compromise or settlementGrantedMTN TO APPV COMPROMISE OF SETTLEMENT
Email InquiryRequest
Adjournment
5/6/2026 9:00 am22-17516 / MBKJohn A. Underwood, Esq.Motion Motion (Generic) - Only use if no other event is applicableMoot - DismissedPROPERTY #5
Email InquiryRequest
Adjournment
5/6/2026 9:00 am22-19232 / MBKThomas G. Egner, Esq.Motion Relief from Stay (Fee)GrantedROCKET MTG/NATIONSTAR (STERN & EISENBERG)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am22-19566 / MBKJeffrey E. Jenkins, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Deniedns
TRUSTEE OBJ
$8078 ARREARS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am22-19751 / MBKFrances A. Tomes, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj, will pay<>CARRINGTON MTG (STERN LAVINTHAL)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am23-10849 / MBKDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
5/27/2026 9:00 am
per attorney he will convert to 7 by 5/15 EDC

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am23-10971 / MBKMarc C. Capone, Esq.Creditor Certification of DefaultWithdrawnAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> US BANK ( Friedman Vartolo)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am23-11446 / MBKRobert Cameron Legg, Esq.Creditor Certification of defaultConduit / OTBSRELISTED - 2/11 HEARING WAS CONDUIT/OTBS, WITH CONDITION THAT DEBTOR MAKE 2 PYMTS DIRECT TO LENDER; PRELIM CONDUIT DRAFT ORDER PREPARED BUT CREDITOR WAS NOT ABLE TO PROVIDE ARREARAGE B/C DEBTOR'S DIRECT PYMTS WERE NOT MADE<>

TRUSTEE CONDUIT REQUEST<>
Debtor obj<>AMERIHOME (Stern & L)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am23-11791 / MBKMarc C. Capone, Esq.Motion Relief from Stay (Fee)Order to be SubmittedAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>FREEDOM MTG (BROCK)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am23-14490 / MBKScott D. Sherman, Esq.Motion Authority to Obtain Credit Under Sect.364, Rule 4001(c) or (d)/RefinanceGranted
Email InquiryRequest
Adjournment
5/6/2026 9:00 am23-14687 / MBKBruce C. Truesdale, Esq.Creditor Certification of DefaultContinued
5/27/2026 9:00 am
AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> MIDFIRST BANK (Gross Polowy)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am23-15833 / MBKWarren S. Jones, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnDebtor obj<> SV/CARRINGTON
debtor asserts cure but we need stay reinstated - file motion
Email InquiryRequest
Adjournment
5/6/2026 9:00 am23-15833 / MBKWarren S. Jones, Jr., Esq.Motion Reinstate StayGrantedMTN REINSTATE STAY/CARRINGTON MTG
Email InquiryRequest
Adjournment
5/6/2026 9:00 am23-17115 / MBKYakov Rudikh, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismisseddebtor obj, (** WITHDRAWN**) filing MP<>ARREARS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am23-19403 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedDebtor obj, making pymts<>ARREARS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am24-10670 / MBKLee M. Perlman, Esq.Motion Relief from Stay (Fee)GrantedHYUNDAI CAPITAL (EISENBERG)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am24-11639 / MBKJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnAMT: MP 5/6<>

ARREARS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am24-15155 / MBKJeanie D. Wiesner, Esq.Creditor Certification of DefaultWithdrawnDebtor obj<>FLORENCE TOLLGATE (Simeone & Raynor)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am24-15354 / MBKRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Order to be SubmittedAMT; trustee conduit request<>

Debtor obj<>SELENE FINC (RAS)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am24-15850 / MBKKarina Pia Lucid, Esq.Motion Relief from Stay (Fee)Conduit / OTBSAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>PENNYMAC LOAN (FRENKEL)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am24-17371 / MBKThomas G. Egner, Esq.Creditor Certification of DefaultWithdrawnCh 7 Trustee response; debtor obj, meeting w/atty to discuss options<> FREEDOM MTG (Brock & Scott)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am24-17371 / MBKThomas G. Egner, Esq.Trustee Certification of DefaultWithdrawnCh 7 Trustee response; debtor obj, meeting w/atty to discuss options<> ARREARS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am24-19782 / MBKTamika N. Wyche, Esq.Motion Relief from Stay (Fee)Continued
5/27/2026 9:00 am
Debtor obj<>NEWREZ/SHELLPOINT (RAS)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am24-20158 / MBKScott D. Sherman, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
5/27/2026 9:00 am
trustee obj: $17,699 arrears through April EDC
Email InquiryRequest
Adjournment
5/6/2026 9:00 am24-22777 / MBKLee M. Perlman, Esq.Creditor Certification of DefaultContinued
5/27/2026 9:00 am
Debtor obj<> M&T BANK/2020 Chevy (Fitzpatrick Lentz)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-11433 / MBKAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedFAILED TO SELL PPTY BY 11/3025; ARREARS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-11515 / MBKRhonda E. Greenblatt, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
6/17/2026 9:00 am
AMT: LOSS MIT EXT TO 7/15, BUT PLAN ARREARS- $3,138<>

Debtor obj, made pymts<>FAILED TO LM BY 1/15/26; ARREARS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-11810 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)WithdrawnDebtor obj<>LAKEVIEW LOAN (STERN LAVINTHAL)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-14649 / MBKAdrian Johnson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
6/17/2026 9:00 am
It looks like counsel file a MP back on 1/30/26 and checked the box for no notice so it never got a court date--court will send it out on notice and give a new date

Debtor obj<>FAILED TO FILE FEASIBLE PLAN AFTER DISMISSAL WAS VACATED 1/26/26

**It looks like he filed a MP but it should have been sent out on notice. If court notices the 1/30 MP and puts it on for 6/17 we should be OK EDC
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-14649 / MBKAdrian Johnson, Esq.Motion Relief from Co-Debtor StayContinued
5/27/2026 9:00 am
Debtor obj<>NEWREZ/SHELLPOINT (FRIEDMAN)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-15077 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Moot - DismissedDebtor obj<>SELENE FINC (RAS)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-15077 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyMoot - Dismissed2/6 AMT: MP 5/6*<>

Debtor obj<>PLAN WAS DENIED ON 12/10/25 AND FAILED TO FILE A MP IN 14 DAYS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-16799 / MBKGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS; EST IRS CLM #2-1U
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-17153 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Continued
6/17/2026 9:00 am
Debtor obj<>SN SERVICING CORP (FRIEDMAN)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-17361 / MBKJames J. Cerbone, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnneed managing agent and NJ atty gen --UPDATED CERT INCLUDES

MTN REDUCE POC NJ TURNPIKE

Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-17710 / MBKJay A. Weinberg, Esq.Creditor Certification of DefaultContinued
5/27/2026 9:00 am
Debtor obj<> AMIP MANAGEMENT (fRIEDMAN vARTOLO)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-17710 / MBKJay A. Weinberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
5/27/2026 9:00 am
<>FAILED TO SELL BY 2/27/26
-DEBTOR SAID K FOR SALE IN APRIL. STATUS?
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-18431 / MBKRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Continued
6/17/2026 9:00 am
AMT; TRUSTEE CONDUIT REQUEST<>

Debtor obj<>PHH ASSET SERVICES (http://dataserver/13software_app/images/box-unchecked.gifLOGS)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-18828 / MBKDavid G. Beslow, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawn
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-19262 / MBKRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedDebtor obj<>US BANK (RAS)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-19324 / MBKJoan Sirkis Warren, Esq.Motion Withdraw As AttorneyWithdrawn
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-19630 / MBKPeter E. Zimnis, Esq.Motion Relief from Co-Debtor StayContinued
5/27/2026 9:00 am
AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>ROCKET MTG/NATIONSTAR MTG (McCALLA)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-20070 / MBKErik Frins, Esq.Motion Relief from Stay (Fee)Order to be Submitted**to add languge of conduit on next cert of default edc

AMT: TRUSTEE CONDUIT REQEUST<>

Debtor obj<>MISSION SERVICING RESIDENTIAL (BROCK)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-20369 / MBKAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)Continued
5/27/2026 9:00 am
Debtor obj<>WELLS FARGO BANK (BROCK)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-20544 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
7/29/2026 9:00 am
AMT: MP 5/6<>

Debtor obj<>PLAN DENIED ON 2/11/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-20861 / MBKKevin S. Quinlan, Esq.Motion Relief from Stay (Fee)GrantedDebtor obj<>JPMORGAN CHASE BANK (STERN LAVINTHAL)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-20861 / MBKKevin S. Quinlan, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissed

PLAN DENIED ON 2/11 AND FAILED TO FILE MP IN 14 DAYS--NEW PLAN WAS FILED AND DENIED ONF 4/15. DEBTOR HAS UNTIL 5/1 TO FILE NEW PLAN
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-21134 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Continued
5/27/2026 9:00 am
AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>US BANK NAT'L ASSOC (LOGS)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-21275 / MBKAndre L. Kydala, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Grantedattorney will send in $9000 in trust
---new conf is 6/17 at 10:00 am

trustee obj: arrears and no 341
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-21378 / MBKDavid G. Beslow, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>CONSUMER PORTFOLIO (EISENBERG)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-21727 / MBKPRO SEMotion Motion (Generic) - Only use if no other event is applicableContinued
5/8/2026 10:30 am
Rocket Mtg response (McCalla)<>MTN FOR ORDER DIRECTING TD BANK TO REPOND TO DEBTOR WRITTEN REQUEST
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-22289 / MBKTheodore M. Costa, Esq.Motion Motion (Generic) - Only use if no other event is applicableGranteduse 6/17 as new conf date

MTN REINSTATE CASE

TRUSTEE OBJ
NEEED HOME INSURANCE WITH LIABILITY, RESOLVE DISPOSABLE INCOME AND ARREARS
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-22494 / MBKStuart M. Nachbar, Esq.Motion Relief from Stay (Fee)Continued
5/27/2026 9:00 am
CAPITAL ONE (STEWART)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-22799 / MBKMelissa Wotton, Esq.Motion to Vacate Dismissal OrderGrantedconf 6/17 at 10:00am

Debtor response<>
trustee obj
-no trustee payments
-missing 341 docs

NEED DR SIGNED CONTRIBUTION AFF, DR 2023/2024 TAX RETURN OR NON FILING CERT, DR CUR HOME INSUR FOR 42,
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-22811 / MBKGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)GrantedSELECT PORTFOLIO (RAS)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-22970 / MBKLee M. Perlman, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>AMERICAN HERITAGE FEDERAL CRED UNION (WELTMAN) car
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-23209 / MBKDaniel E. Straffi, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
5/27/2026 9:00 am
Trustee obj
-no 341-missing social security statement
-$1400 trustee arrears
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-23467 / MBKStacey L. Mullen, Esq.Motion Relief from Stay (Fee)Order to be SubmittedCotbs is ok attorney agrees to add trustee language that any further default will require conduit EDC

AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>LAKEVIEW LOAN (STERN & EISENBERG)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-23498 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>FREEDOM MTG (BROCK)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am25-23501 / MBKDaniel E. Straffi, Esq.Motion File Claim After Claims Bar DateGrantedMTN ALLOW LATE CLM/PNC
Email InquiryRequest
Adjournment
5/6/2026 9:00 am26-10513 / MBKDemetrius J. Parrish Jr., Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Continued
5/27/2026 9:00 am
trustee obj
-no 341
-failure to make post-petition to Condominium Association.
-trustee payments

The Commons at Old Bridge Condo Theobj (Gorski)<>MTN TO VACATE DISMISSAL
Email InquiryRequest
Adjournment
5/6/2026 9:00 am26-10969 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order to be SubmittedFREEDOM MTG (BROCK)http://dataserver/13software_app/images/box-unchecked.gif
Email InquiryRequest
Adjournment
5/6/2026 9:00 am26-12026 / MBKRahaf Alrehaili, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
5/27/2026 9:00 am
trustee objection:
-no admin authority to transfer funds between cases
Email InquiryRequest
Adjournment
5/6/2026 9:00 am26-12898 / MBKLaurence R. Sheller, Esq.Motion Prospective ReliefContinued
5/8/2026 10:30 am
Debtor obj<>MTG, EVERBANK (PLUESE)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am26-12898 / MBKLaurence R. Sheller, Esq.Motion Extend TimeContinued
5/8/2026 10:30 am
Everbank obj (Pluese Becker)<>MTN EXT STAY

trustee obj
-This is the debtors 4th filing within the last 4 years and she has failed to show a change in circumstances that show a likelihood of success.
Email InquiryRequest
Adjournment
5/6/2026 9:00 am26-13214 / MBKPRO SEOrder Shorten TimeContinued
5/8/2026 10:30 am
ns
Trustee obj:
The debtor has filed 5 cases in the last 3 years and has failed to show change of circumstances that demonstrate a likelihood of success in this case

US Bank obj (& cross mtn RAS)<>MTN TO EXTEND STAY.
Email InquiryRequest
Adjournment
5/6/2026 9:00 am26-13214 / MBKPRO SEMotion Cross MotionContinued
5/8/2026 10:30 am
Debtor obj<>US BANK CROSS MTN FOR IN REM STAY RELIEF (ras)
Email InquiryRequest
Adjournment
5/6/2026 9:00 am26-13494 / MBKAndrew G. Greenberg, Esq.Order Shorten TimeGrantedMTN EXT STAY shortened time edc
Email InquiryRequest
Adjournment
5/6/2026 9:00 am26-13817 / MBKRussell L. Low, Esq.Motion Relief from Stay (Fee)Continued
5/27/2026 9:00 am
ns by Mr. Jones on 5/6 so adj

Debtor obj<>WILLIE JONES/LANDLORD
Email InquiryRequest
Adjournment
5/6/2026 9:00 am26-13887 / MBKSteven J. Abelson, Esq.Order Shorten TimeContinued
5/8/2026 10:30 am
PHH obj (Brock & Scott)<>MTN TO IMPOSE STAY
Email InquiryRequest
Adjournment
5/6/2026 9:00 am26-14028 / MBKPRO SEOrder Shorten TimeContinued
5/8/2026 10:30 am
MTN EXT STAY

Trustee obj:
The debtor and spouse have filed 3 cases in the last 3 years and the debtor has failed to show change of circumstances that demonstrate a likelihood of success in this case.

POWERS KIRN OBJ
Email InquiryRequest
Adjournment
5/6/2026 9:00 am26-14028 / MBKPRO SEMotion Cross MotionContinued
5/8/2026 10:30 am
Email InquiryRequest
Adjournment
5/6/2026 9:00 am26-14119 / MBKLaurence R. Sheller, Esq.Motion Extend TimeGrantedMTN EXT STAY
Email InquiryRequest
Adjournment
5/6/2026 10:00 am22-12768 / MBKRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanContinued
6/17/2026 10:00 am
Debtor has made 26 of 49 required payments   Arrears: $26,256.00
AS OF 4/30/26 (SF) BELOW ISSUES STILL APPLY

Is IRS objection resolved?

1. Objection just filed by the IRS (John Stinson, Assistant Us Atty) - For reasons described in the Trustee objection, the Second Modified plan is not confirmable.

2. Trustee objection:

- Modified plan proposes to pay IRS secured claim outside of the plan without a consent order.
(Per AR need special service) (CERT OF SERVICE FILED)

- Need explanation as to why the IRS priority claim is listed under 4f as unaffected and also listed to be paid in 2a in the plan. (PER ATTY OK TO PAY PRIORITY AND STRIKE LANGUAGE IN PART 4)

- Modified Plan reduces payment without filing amended I and J and copy of 2024 Tax Return.
ATTY WILL FILE AMENDMENTS TO SHOW FEASIBILITY) (STILL NEED) Updated proof of income and 2024 return provided. Need to review.

- Ally Capital claim 15-1 listed as unaffected when there is a balance due of $22,234.27.
(We have money on reserve if mp confirmed we release the reserve to surviving creditors in order of priority) Unaffected and creditor is free to seek stay relief


- The Stay is vacated as to Capital One Auto Finance. It's listed as unaffected but should also be surrendered under the plan.


3. Trustee Cert of Default 5/6/26 at 9


MP proposes $2444 x 17 0%
Plan has run 46 months with 14 months remaining
Arrears: $17,656 thru January

Email InquiryRequest
Adjournment
5/6/2026 10:00 am23-17115 / MBKYakov Rudikh, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 12 of 33 required payments   Arrears: $0
AS OF 4/29/2026 (at):

1. Need December and January pay stubs for debtor and spouse. (RECEIVED PAY STUBS - BOTH ARE MAKING MORE MONEY)

2. Need Amended I and J. (proof of increased expenses - (RECEIVED PROOF OF AN $850/MONTH CAR PAYMENT - EXCESSIVE $400/MONTH FOR LIFE INSURANCE) (WITH EXCESSIVE EXPENSES DISPOSABLE INCOME IS STILL $815.87)

3. Need 2024 or 2025 tax return. (RECEIVED 2024)

4. Need a statement for the spouse's 401k loan. (LOAN IS PAID OFF IN 11 MONTHS - ADDITIONAL $262/MONTH IN INCOME)

MP proposes: $200 x 3, $350 x 57, base
Arrears: $4,850
(The Debtor's expenses have increased.)
Email InquiryRequest
Adjournment
5/6/2026 10:00 am24-11639 / MBKJoseph Casello, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 21 of 27 required payments   Arrears: $0
AS OF 5/1/2026 (at):

WOULD NEED $26,403 PAID TO DATE, $637 x 32 BEGINNING 6/1/2026, $23,990 x 1, MINIMUM OF $61,644 TO UNSECURED CREDITORS
- Preserve non exempt equity of $61,644.

1. Modified plan proposes to pay the IRS $3,350. Claim filed is for $41.65. Why the increase? Need an amended claim. (PER ATTORNEY, CORRECT

AR PAY PER CLAIM
AMOUNT IS $41.65)

MP proposes: $!,100 x 2, $1,232 x 13, $932 x 4, $637 x 41, not less than $61,644 to unsecured creditors
Arrears: $6,538
(To amend the payment schedule to make the plan feasible.)
Email InquiryRequest
Adjournment
5/6/2026 10:00 am24-17371 / MBKThomas G. Egner, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 13 of 18 required payments   Arrears: $0
OK to remove arrears and confirm since 100% EDC

AS OF 5/6/2026 (at):

RECOMMEND: $19,198.84 PAID TO DATE, $500 X 42 BEGINNING 6/1/2026, 100% PLAN
- Preserve non exempt equity of $39,581 in real estate.
- Low base pending sale.

1. Objection filed by Freedom Mortgage (Brock & Scott) - no application to retain a realtor has been filed. No proof of sufficient value to satisfy all liens (OTBS)

MP proposes: $18,198.84 paid to date, $500 x 44 beginning 4/1/2026, sale of residence by 9/15/2026, 100% plan
Arrears: $6,570.92
(Debtor is selling the property to satisfy all remaining debts)
Email InquiryRequest
Adjournment
5/6/2026 10:00 am24-19377 / MBKDavid G. Beslow, Esq.Confirmation Hearing on Modified PlanContinued
6/17/2026 10:00 am
Debtor has made 20 of 20 required payments   Arrears: $0
As of 5/5/26 (DS): 1. EMAILED ATTY WHEN WILL DEBTOR BE RETURNING TO U.S., HAVE 40 MONTHS REMAINING ON CASE

3/25/26 (DS): 1. Issues with plan/case:
- Plan fails to pay Claim#17-1 Systems & Services arrears $6,351.75., instead list as outside. PER ATTY OK TO PAY
- Amended Sched I has Debtor unemployed, but Debtor was employed for many years with previous employer. Is Debtor receiving unemployment? PER ATTY DEBTOR OUT OF THE COUNTRY AND NOT WORKING. ASKED ATTORNEY WHEN DEBTOR WILL BE RETURNING?
- Plan has Debtor is not able to work, but gives no explanation as to why not able to work. What is the status of Debtor seeking employment? NO DATE OF WHEN DEBTOR WILL RETURN.
- 2025 Tax return show Debtor is operating a business as a mechanic and earned $5,000, 2023/2024 did not have this listed. Is Debtor currently operating business? DEBTOR IS OUT OF THE COUNTRY AND NOT OPERATING THE BUSINESS.
- Need Trustee standard order of distribution as previously confirmed. Will add to confirming order Trustee standard order again. ATTY OK TO ADD TO CONFIRMING ORDER.

MP Prop $5,281 PTD; $337 x 44; Base - Debtor is unable to work, Plan is surrendering his vehicle.
Email InquiryRequest
Adjournment
5/6/2026 10:00 am24-19881 / MBKJacqueline R. Rocci, Esq.Confirmation Hearing ScheduledContinued
6/17/2026 10:00 am
Debtor has made 19 of 19 required payments   Arrears: $0
4/30 pending workup awaiting Rocci response regarding sale. May need to adjourn past sale date due to complicated nature of sale with environmental issues EDC
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-15077 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 11 of 12 required payments   Arrears: $500.00
5/6 workup EDC

MRF Selene 5/6. status?

*can confirm if the creditor objection resolved

mp $500 X 12; $3000 X 48; N/E FROM PI CASE; LM 7/2026 (8 NATURE BLVD); BASE

-- There is $$57,200 non-exempt equity in house pending review of explanation regarding the disparity in the value of the Ocean County real estate. PER LAST TIME OK TO PAY - THIS IS THE AMOUNT USING DEBTOR LATEST CMA--OK to add $10,000 from preference action to the home equity. So total will be $67,200 equity in RE

1) US Bank (RASC) objection to confirmation - STILL NEED TO RESOLVE, MP CHANGES FROM LOAN MOD TO REFI WHICH IS SPECULATIVE

2) Trustee objection to confirmation - need to resolve
-ARE STUDENT LOANS PAID OUTSIDE- yes?


proposed plan $500x12, 3,000x48 base plan with loan mod by 12/1/2025
paid in $1,000
arrears $500
last claim 14-1

----------------------------------
RESOLVED ISSUES:
- Need Certification regarding disposition of the PI proceeds the debtor, Debra Hills, received prior to the current bankruptcy filing. NOT RESOLVED TO DATE. SENT EMAIL TO STRAFFI-WILL RESOLVE IF ADDS $10,000 TO EQUITY ( CERT SAYS PAID $12,000 TO MOTHER IN LAW AND $15,000 TO DAUGHTER) EDC--resolved see above
- The debtor has failed to supply the Trustee with the following document(s): A current market analysis - Zillow value is significantly higher than the CMA value provided. Need explanation. NOT RESOLVED TO DATE
issue as of 8/28/2025 (JMA) - debtor sent a CMA with a lower value of $740,000. The original CMA was an Equifax report with value of $786,000. Zillow value $948,000. OK HOMES IN AREA IN $700 RANGE EDC

The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
- Provide 2025 social security statement showing the current amount of SSI received. RESOLVED, 2025 STATEMENT PROVIDED
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-15497 / MBKJennifer N. Weil, Esq.Confirmation Hearing ScheduledContinued
5/27/2026 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0
NS
AS OF 4/30/26 (SF)

1. Must file Attorney Chapter 13 Disclosure Statement

2. Why are student loans being separately classified to be paid pro rata through the plan?

3. Trustee objection:

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

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

- 401(k) loan balance statement and 2 months bank statements from TD Bank acct#6989
prior to conversion order date.

- A Modified Plan that marks Part 5 unsecured creditors and Part 8c Trustee standard order
of distribution.

- Amendments to Schedules A/B and C to add Citizens Bank acct to include amount in
accts#3870 and #6949.

- Disposable income verifies $1,373.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $5,632 when
determining disposable income.

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



Plan proposes $383 x 4; $6000 x 1; $383 x 11; $6000 x 1; $383 x 11; $6000 x 1; $383 x 7
Payments: 3/3

Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-17578 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
5/27/2026 10:00 am
Debtor has made 8 of 10 required payments   Arrears: $4,000.00
per straffi may D and file a 7

4/27 workup EDC
hold for judge
* Per AR also need to allocate claims and file amended schedule A and I & J

*H is not on deed, is it still 100%? Yes

*case severed 2/25 with debtors to file any claim objections within 60 days. MP should also be filed EDC

As of 11/14/25 (DS): 1. Plan is proposing to pay Harley-Davidson 23% interest at total $3,812, claim filed has 21.25% interest owed $2,837.70. This needs to be resolved. Plan is paying more to creditor. PAY CLAIM PER ATT

2. Issues which remain unresolved:
- NewRez (GAVIN STEWART) obj plan propose $0 arrears, POC filed with arrears $2,573.48. Obj must be resolved. Trustee ok to pay? PAY CLAIM PER ATT

- Igor & Irina Shubov (DAVID BESLOW) obj that a settlement agreement was filed to pay. Plan propose to pay 100%, POC filed as unsecured $34,773.93. To be paid 100% as unsecured.


$10,000 IN DISPOSABLE SHOULD BE 36 MONTHS
- Trustee ok to pay arrears claim#14-1 $2,573.48.
- Student loans to be treated outside.

1. Trustee obj to the following:
- Excess expenses on Sched J: $450 Home maintenance, $400 Electricity, $720 Tele/ Cell/Internet, $1,200 Food, $400 Clothing, $1,200 Transportation, 2 car payments $1,026.88 & $880, $530 Gym membership, $400 Pet care/food. Must provide proof of expenses 10 days prior to confirmation. PLAN PROPOSE 100%
- There is $115,153 non-exempt equity in the residence.

2. Igor & Irina Shubov (DAVID BESLOW) obj that a settlement agreement was filed to pay. Plan propose to pay 100%, POC filed as unsecured $34,773.93. To be paid 100% as unsecured.

Prop Plan $2,000 x 60 begin 8/1/25; 100%
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-18487 / MBKHerbert B. Raymond, Esq.Confirmation Hearing on Modified PlanContinued
5/27/2026 10:00 am
Debtor has made 9 of 9 required payments   Arrears: $0
NO ORDER FROM 1/21 REC DISMISSAL
5/6 workup EDC


* Need the stay relief order from 1/21 just in case it changes amount to Selene and to resolve Selene objection to confirmation

** Trustee objection to confirmation :
- The debtor has insufficient income. income verified lower than scheduled amount, disposable net is $337.42.
- All non-exempt proceeds for Personal injury case be paid to Trustee


* Navy Federal Credit Union filed secured claim for cash/rewards secured Visa, pay $1,999.30 to be paid in full through plan-SURRENDER
* Prestige Financial Services secured claim, proposes payment in full in the amount of $951.56.


proposed plan $500x30, $1,850x30 base plan
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-18828 / MBKDavid G. Beslow, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 12 of 9 required payments   Arrears: $300.00
Debtor filed a MP 25 & 26 which is blank, this is the doc scheduled. Debtror filed doc marked as Support doc 29 which has plan terms. This was not scheduled so they need to withdraw all of the plans and file a new one. Also, the amount lowered due to new job but no new POI or updated I & J filed

5/4 workup EDC

$600 arrears- 2months-36 month plan
NOW 900 ARREARS
**based on paystubs received recommend confirmation at:
$1500 paid then $517 x 30 remaining beg 5/1/26 pro rata --Student loans to be treated outside.
trustee will pay NJ and IRS claims



**Issues which remain unresolved: - Amend Sched I and provide 2 months proof of income, Debtor provided only 9/26/25 & 10/3/25. Need additional income for the month of Oct. Disposable income verifies $554, Plan propose $300.


2. Trustee obj to the following:
- Must amend Sched I to add new job and provide 2 months proof of income from new job to begin week of 9/15/25. ONLY PROVIDED 2 PAY STUBS 9/26/25 & 10/3/25.


Prop Plan $300 x 36 begin 9/1/25; Base


-----------------------
resolved
1/12 workup EDC

-STILL NEED NJ RESOLVED

As of 11/17/25 (DS): Debtor atty requested adj to allow time to resolve estimated tax claim.

As of 11/14/25 (DS): 1. State of NJ filed estimated tax claim, 2019-2022, 2024 not filed. Must resolve claim.
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-19706 / MBKMitchell Lee Chambers, Esq.Order Vacate Dismissal of CaseContinued
6/17/2026 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $1,470.00
Conf hearing- needs to request an adj. of confirmation past the 341 date

341 on 5/21/26

6/7 payments

-- Objection by New Jersey Housing and Mortgage(Pluese): arrears are 30,748.81 and plan has 24,863.29
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-20219 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
5/27/2026 10:00 am
Debtor has made 7 of 8 required payments   Arrears: $613.00
either resolved or motion filed by 5/27 or D

5/5 workup EDC
SAME AS LAST TIME

1. State of NJ filed estimated tax claim, 2020-2024 not filed. Must resolve claim. STILL ESTIMATED

- IRS filed claim for $2,192.84. Trustee ok to pay? TRUSTEE WILL PAY

- Add to confirming order any non-exempt proceeds from auto accident to Trustee.


Prop Plan $613 x 60 begin 10/1/25; Base--non-exempt proceeds from auto accident to Trustee
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-20337 / MBKCarlos D. Martinez, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 7 required payments   Arrears: $0
4/29 workup EDC

*CONFIRM AT:
$4350 PAID THEN $775 X 54 BEG 5/1/26 PRO RAT WITH MIN OF $30,000 TO UNSECURED CREDITORS---TRUSTEE WILL PAY FIFTH THIRD BANK CLAIM THROUGH PLAN
TRUSTEE WILL PAY CO-OP ARECIBOS SECURED AND UNSECURED CLAIM THROUGH PLAN
ORIENTAL BANK UNAFFECTED BY PLAN AND DEALT WITH OUTSIDE OF THE PLAN


*THE UPDATED POI SHOWS $4900 TOTAL INCOME FROM JAN AND FEB WITHOUT TAXES BEING REMOVED. AFTER TAXES INCOME IS ONLY $1873 A MONTH WHICH IS HALF OF WHAT IS SCHEDULED IN THE AMENDED I.

-- Coop A/C Arecibo filed a bifurcated claim secured $2,245.41 and unsecured $331.79. Must resolve claim. ARE WE PAYING THESE? NOT RESOLVED

*Trustee objection:
- The debtor has failed to file a feasible plan - that propose a tier plan when car payment $419 ends in month 17.

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

- The Schedules fail to account for the debtor(s) tax refund in the amount of $33 when determining disposable income.

- There is non-exempt equity in the Puerto Rico property $23,200 and 2018 Toyota $1,133.

-- Fee app within 7 days from confirming order.


plan $725 x 60 begin 11/1/25; Dollar Base $30,000.00
---------------
resolved
- Arrears claim filed by Oriental Bank for $1,595.13. ARE WE PAYING? unaffected OK EDC
- Fifth Third Bank filed arrears claim $1.13 needs to be paid or move against claim. OK TO PAY
- Must resolve IRS estimated tax claim, 2019 not filed. RESOLVED
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-20372 / MBKPeter E. Zimnis, Esq.Confirmation Hearing ScheduledContinued
6/17/2026 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $462.00
NFA
CONF ADJ SO MOTION TO EXPUNGE CAN BE HEARD EDC

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 $1,579.57. (100% PLAN)
- 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 $183,409 in non-exempt equity in the real estate.

proposed plan $342x4, $522x56 100% plan
paid in $1,736
arrears $154
last claim 12-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED.
- The current Plan does not specify treatment of claims filed by Westgate Vacation Villas. under the Plan. RESOLVED, MODIFIED PLAN BEFORE CONFIRMATION SURRENDERS WEST GATE VACATION VILLAS AND WESTGATE VILLAS RESORT.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,869.00 when determining disposable income. RESOLVED, INCLUDED IN INCOME ANALYSIS
- The debtor has failed to supply the Trustee with the following document(s): A current market analysis - for time shares. RESOLVED, MODIFIED PLAN BEFORE CONFIRMATION SURRENDERS BOTH TIME SHARES.
- Amendments to Schedules A and C to list time shares. RESOLVED, MODIFIED PLAN BEFORE CONFIRMATION SURRENDERS BOTH TIMESHARES
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-20531 / MBKPaul H. Young, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 7 of 7 required payments   Arrears: $0
AS OF 5/5/26 (SF) UPDATED

RECOMMEND $2010 X 60 (BEGIN 11/1/25) BASE W/MIN DIV OF $46,350 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE
- OTBS WITHIN 30 DAYS RESOLVING OBJ BY SANTANDER AND TO PAY ADEQUATE PROTECTION PAYMENTS



AR RESOLVE OR HOLD

1. MP proposes adequate protection payments to Santander (Need consent order to pay adequate protection payments via the Trustee) -OTBS WITHIN 30 DAYS


2. The Plan proposes to pay Ally Capital more than amount listed on claim. There is no separate service filed so need consent order to pay claim.

3. Objection filed by Santander (Craig) - objects to cram, 910 claim (Claim 4-1) (RESOLVED - OTBS)

4. Trustee objection:

- The debtor has insufficient income.

- There is $46,350 in non exempt equity in the residence.


Plan proposes $2010 x 60 Base
Payments: 6/6

RESOLVED:
- The debtor must provide updated proof of auto insurance for the 2020 Accent and 2020
Elantra. The policy provided has expired. (RECEIVED)
- A current market analysis - with comparatives sold within 6 months of filing. (RECEIVED)
- Santander filed secured claim 3-1 with zero arrears which is not addressed in plan. (CLAIM WITHDRAWN)
- Wells Fargo filed arrears claim 13-1 in the amount of $851.76 which is not addressed in plan (MP FILED)
- IRS claim 36-1 is much higher than amount listed in plan $19,520.68 (MP FILED)

- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-20544 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
7/29/2026 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0
*to get revers mortgage by 7/29 or D EDC

AS OF 4/29/2026 (at):

PLAN IS NOT FEASIBLE. UNSECURED CLAIMS TOTAL $427,462.NOT FEASIBLE AT 100% NOT FEASIBE DUE TO TH IN REAL AND PERS PTY

Trustee's objection:
- The debtor has insufficient income. Disposable income is negative. (CURRENT)
- The debtor has failed to supply the Trustee with the following document(s):
- Business profit & loss statements (CLOSED)
- Business forms: (CLOSED)
- A copy of the homeowner's insurance renewal declaration - Current policy expired 5/1/25. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $9608.00 when determining disposable income. (AVERAGED/ADDED TO 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):
1) There is nonexempt equity of $14,988 in Wells Fargo Checking Account (LANGUAGE ADDED)
2) There is nonexempt equity of 324,877 in real estate (LANGUAGE ADDED)
Wells Fargo levied bank account within 90 days of filing. Needs motion to turnover funds. (MOTION NOT FILED)
The plan should provide for the payment of investment funds to the trustee within 6 months. (LANGUAGE ADDED)

Modified plan before confirmation proposes: $600 x 60 beginning 11/1/2025, refinance by 9/1/2026, 100% plan
Payments: 6/6
(Plan is being modified to include the refinance of the property to assist in payments to creditors.)
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-21249 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
7/8/2026 10:00 am
Debtor has made 5 of 7 required payments   Arrears: $1,400.00
4/28 Workup EDC

CASE PENDING SINCE 10/23/2025. DEBTORS ARE TWO MONTHS BEHIND IN TRUSTEE PAYMENTS SINCE THEN

- The NJ Division of Taxation filed an estimated claim which needs to be amended. (STILL ESTIMATED)

- Trustee's objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Car payments $716.90 and $652.70.
- 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):
- Disposable income verifies $1,244, not sure why plan is proposing a lower tier payment at month 31, when there is disposable income. This case is above median income. (NEEDS EXPLANATION/RESOLUTION)
- The current Plan does not specify treatment of OneMain for 2010 Ford Fusion arrears $9,000.11 under the Plan. (NEEDS RESOLUTION)

------------------
RESOLVED ISSUES:
1. Objection filed by WH Realty, LLC (Eugene Roth) - failure to cure full rent arrears of $21,975. (UNRESOLVED) COTBS

- 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 12/20/25. (RECEIVED)
- The Plan fails to provide for a prompt cure of rental arrears. (NO OBJECTION BY LANDLORD)

Plan proposes: $800 x 30 beginning 11/1/2025, $400 x 30, base
Payments: 3/5, arrears $1,600

Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-21313 / MBKCarol L. Knowlton, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $600.00
ISSUES AS OF 4/30/2026 (DM): updated 5/5/26

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $600 x 31 STARTING 11/1/25, THEN $1,140 x 29 STARTING 6/1/28, BASE PLAN, PLUS ANY NON-EXEMPT PROCEEDS FROM THE ESTATE OF EDWARD SCHANCK, TRUSTEE IS AUTHORIZED TO PAY STATE OF NJ $4,505.44 SECURED POC (12-1), ATTY TO FILE A FEE APP WITHIN 7 DAYS***

1) State of NJ filed $4,505.44 secured claim not treated in the plan (OKAY TO ADD?? - Yes)

2) Trustee OBJ:
- All non-exempt proceeds from the estate of Edward Schanck should be added to the confirming order.
- Tax refund of $2,170 was not prorated and included in the disposable income calculation.

***RESOLVED ISSUES***

A) Plan provides $600 secured treatment to the Twp of Florence - no POC filed yet, but Gov Bar date is 6/4/26 (CREDITOR FILED A $943.45 SECURED POC.)

B) Trustee OBJ:
- There is $10,053 non-exempt equity in real estate (ADJUSTED TO $0 - FIRST MTG CLAIM CAME IN HIGHER.)
- Need to amended Sch A/B to add interest in the estate of Edward Schanck (AMENDED - ADDED 1/3 INTEREST IN REAL ESTATE SUBJECT TO A LIFE ESTATE - RECEIVED SANTANDER HELOC STATEMENT WITH THE SAME ACCOUNT NUMBER THAT IS REFLECTED ON HELOC AGREEMENT REFERENCING THE MORTGAGED PREMISES.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $600 x 31, $1,140 x 29, Base Plan
PTD 5/6 = $3,000
Last Claim (13-1)
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-21410 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
5/27/2026 10:00 am
Debtor has made 3 of 7 required payments   Arrears: $750.00
4/27 workup EDC

* We are awaiting the Judges decision on the motion to reconsider the motion to expunge DSO claim.


1. Trustee obj to the following:
- Debtor has insufficient income. Debtor must sign up for TFS within 7 days of conf. DEBTOR HAS SIGNED UP WITH TFS SINCE 11/19/25, 2 PAYMENTS HAVE BEEN MADE, STILL MISSING JAN. PAYMENT..
- Debtor has failed to file a feasible plan. Debtor has insufficient income to pay the
$24,200 DSO claim. JUDGE DENIED
- Plan fails to specify treatment of Sharon Brewster DSO claim $24,200. Motion to expunge claim scheduled 1/21/26. Opposition filed, need outcome.

2. Sharon Brewster (CHARLES WHELAN III) obj claim as DSO filed. Must resolve obj.

Prop Plan $200 x 36 begin 11/1/25; Base
Note: DSO Info form not needed POC filed and obj filed by person.
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-21565 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 6 of 7 required payments   Arrears: $650.00
MP in 14 days

AR RESOLVE OR HOLD
ISSUES AS OF 4/30/2026 (DM):

1) One Main Financial filed $8,003.78 arrears claim on a 2006 Ford F150 not treated in the plan (UNRESOLVED.)

2) Trustee OBJ:
- Need CMA with comparables sold within 6 months of filing (MOOT BASED UPON ZILLOW AND TRULIA VALUES.)
- Need to file Pre-Confirmation Certification (FILED.)


Prop. Plan $650 x 60, Base Plan
PTD 5/6 = $3,250
Last Claim (7-1)
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-21727 / MBKPRO SEConfirmation Hearing on Modified PlanContinued
5/8/2026 10:30 am
Debtor has made 6 of 6 required payments   Arrears: $0
4/27 workup EDC
EDC told debtor same on 5/6 when advising of Friday hearing--
*PER JUDGE EITHER FILE MP THAT ADDRESSES ARREARS OR REMOVES MORTGAGE FROM THE PLAN. BY 5/6 EDC---no mp as of 4/27 edc

AR CASE NOT READY TO CONF TD BANK IS PRIMARY OBJ , MOTION TO EXPUNGE TD CLAIM PREVIOUSLY DENIED WITH OUT PREJUDICE

-final Judgement of $484,000 on mortgage--debtor is attempting to void mortgage-OBJ BY TD BANK

*MOTIONS FILED WITH OBJECTION TO TRIBOROUGH, TBTA, PNC ALL NEED TO BE RESOLVED

*trustee supplemental objection: There appears to be over $800,000 in equity per the debtors amended schedules B & C in investments, bank accounts and business ownership interest. The debtor's assertion that the money in the Robinhood account is not an asset per his schedule B explanation does not prove that the money is not property of the estate.

1. Trustee obj to the following:
- Must provide CMA for NY property and 2 months income for Freelance.
- Need a mod plan that specifies treatment of Kubota arrears claim $10, marks off Part 8 Vesting of property of the estate upon confirmation (vesting must occur at confirmation) and adds to Part 8c Trustee standard order of distribution.
- There is non-exempt equity in the residence $18,753. DEBTOR OBJECTED SO VALUE NEEDS TO BE DETERMINED.

-Investment acct ending #073 portfolio value $615,496.28 - is this an investment account or a retirement account? SENT IN STATEMENT SHOWING $3900 IN DIVIDENDS. THIS IS INVESTMENT ACCOUNT AND AMOUNT NEEDS TO ADDED TO EQUITY

-PROPERTY OWNED BY LLC ON RAILROAD AVE HAS EQUITY OF $113,000

- Acct #c8a5 Balance 11/30/2025 $4,129.52 - Not on Schedule A/B
- Acct ending #761 balance as of 11/28/2025 $5170.17 - Not on Schedule A/B
- Business acct ending #099 balance $1,026.05 - Not on Schedule A/B
- Business acct ending #533 balance $1,745.12 as of 11/25/2025 - Not on Schedule A/B
- Acct #770 balance as of 11/30/2025 $4,287.69 - Not on Schedule A/B
- Acct #125 balance as of 11/2025 $
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-21727 / MBKPRO SEObjection to POCContinued
5/8/2026 10:30 am
AR NOTE DEBTOR DISPUTES 2500 TOLL CHARGES POC SEE DOC 50 CREDITOR RESPONSE
TBTA obj (Hanmdan)<>OBJ TO POC #6-1

Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-21727 / MBKPRO SEObjection to Proof of ClaimContinued
5/8/2026 10:30 am
DEBTOR OBJ TO TRIBOROUGH BRIDGE & TUNNEL POC #6
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-21886 / MBKEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 1 of 6 required payments   Arrears: $3,636.00
4/28 workup EDC
same as last 4 times

As of 1/16/26, 2/26 , 3/3/26 & 4/8 : Debtor atty requested adj to resolve creditor obj and needs to file MP--OTBS EMAILED ON 5/5/26 BUT STILL NO MP


1/21/26 (DS): 1. Trustee obj to the following:
- Must provide Acorn statement and Franklin Templeton acct statement prior to filing date.
- Need a mod plan that increases trustee payment by $932 in month 19 of the plan when pension loan is paid off, properly list amount of cram to Capital Auto on Part 4 and add on Part 7 motions and add Trustee standard order of distribution.
- Excessive expenses on Sched J: $950 Food, $500 Transportation, $494 Life insurance, $983 Car payment (Car is being crammed) and $500 Soccer clinics. Must provide proof of expenses 10 days prior to confirmation.
- Disposable income verifies $2,163. ATT WILL PAY
- Must file Pre-confirmation Certification with the Court.

2. Capital One Auto (GAVIN STEWART) obj to plan cram, since it has $0 to be paid and is not on Part 7 motions. Must resolve obj.

Prop Plan $345 x 60 begin 12/1/25; Base
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-22096 / MBKCarol L. Knowlton, Esq.Confirmation Hearing ScheduledContinued
7/8/2026 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $300.00
4/28 workup EDC

*NOT FEASIBLE --income is negative and per below to confirm would need:
$1200 paid then $2986 x 55 beg 6/1/26 100% -preserve equity of $129,358--- Fee app within 7 days from confirming order.--- Student loans to be treated outside.--- Add to confirming order Trustee ok to pay arrears claim#21-1 of Cavalry SPV of $599.88.

-ok to pay claim#21-1 $599.88

-ATTY STATES HOME DOES NOT HAVE THE VALUE GIVEN, EMAILED ATTY TO PROVIDE UPDATED CMA FROM REALTOR STATING PROPERTY NEEDS REPAIRS OR APPRAISAL WITH PROOF OF REPAIRS, ZILLOW VALUES $512,800); PER EDC OK TO USE VALUE OF $445,000 WHICH IS ESTIMATE FROM UPDATED CMA--SO EQUITY IS $103,327 PLUS $26,031 IN PERSONAL PROPERTY=$129,358 TOTAL SO STILL WOULD NEED 100%

- Fee app within 7 days from confirming order.
- Student loans to be treated outside.
- Add to confirming order Trustee ok to pay arrears claim#21-1 of Cavalry SPV of $599.88.

1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies -$958. Debtor will need E-wage.
- Plan does not specify treatment of Cavalry Investments/Sprint judgment lien $599.88. Trustee ok to pay?
- There is non-exempt equity in the residence $146,272, Arbitration $6,510, Boutique goods inventory
$5,000, Tea business inventory $13,000, PNC Bank accts $1,266 and Capital One Bank $255 total $172,303.
- Add to confirming order fee app within 7 days from confirming order.
- Add to confirming order Arbitration funds $6,510 to Trustee, which is the non-exempt proceeds.
- Must resolve creditor objection.

2. Fifth Third Bank (CORY WOERNER) obj that arrears owed are more, POC filed with arrears $16,059.33. Must resolve obj. OK TO PAY PER KNOWLTON

Prop Plan $300 x 6 begin 12/1/25; $2,000 x 54; Base

----
RESOLVED
Need to confirm at $300 x 6 begin 12/1/25 (March payment must be made); Lump sum payment $6,510 by 4/1/26 (PER EMAIL FROM ATTY DEBTORS DID NOT RECEIVE FUNDS, EMAILED ATTY TO PROVIDE DEBTORS CERT STATING SAME) non-exempt proceeds); $2,910 x
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-22227 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 6 of 6 required payments   Arrears: $0
4/29/2026 workup EDC

--claim of adversary is $90,000 so payment is insufficient to cover claim if deemed non dischargeable EDC

As of 2/26/26 (DS): 1. STILL MISSING DEBTOR'S CERTIFICATION AS TO THE PROCEEDS FROM FATHER'S ESTATE AND HOW THAT MONEY WAS SPENT AND THAT THE DEBTOR WILL NOT BE RECEIVING ANYTHING IN THE FUTURE FROM THE ESTATE.-----per non-dischargeability adversary it looks like debtor may have embezzled funds from the estate. Appears to have been over $150,000 (debtor was entitled to half and sibling the other half). Received initial distribution of approximately $65,000 in 2023 and exhausted remaining funds as executor owed to sibling by December of 2024 EDC

1. Trustee obj to the following:
- Must provide 2 months statements from acct ending #0902 has $989. checking acct transfers $1,500 10/5/25 into acct and out of acct 10/2/25 and amend Sched A/B and C to add Chime Bank savings acct has $325 total in accts $1,314.

Prop Plan $300 x 36 begin 12/1/25; Base
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-22446 / MBKEric S. Landau, Esq.Confirmation Hearing ScheduledContinued
5/8/2026 10:30 am
Debtor has made 6 of 6 required payments   Arrears: $0
ns

Plan deems the mortgage as an unsecured claim and seeks to void under section 7 of the plan. The Judge already determined that debtor's husband cannot do that in the Michael Gindi matter that was dismissed previously EDC

As of 4/29/26 (DS): 341 still not rescheduled, messaged Bud

As of 3/16/26 (DS): Case reinstated 1/27/26, no 341 meeting of creditors has been rescheduled. Must reschedule 341, then submit confirmation adj request. Emailed Debtor atty and informed Bud of same
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-23092 / MBKMelinda D. Middlebrooks, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 5 of 5 required payments   Arrears: $0
AS OF 5/1/26 (SF) MP TO BE FILED WITHIN 14 DAYS


PLAN IS NOT FEASIBLE. NEED EXPLANATION OF $44,000 DIVIDEND TO GUCS AND INCREASED PAYMENT OF $4085. HOW CAN DEBTOR AFFORD TO MAKE THIS HIGHER PAYMENT? DEBTOR HAS PENDING LAWSUITS THAT HAVE NOT SETTLED YET. THE FUNDING IS SPECULATIVE.

1. Trustee objection:

- The debtor has disposable income of $488 but only proposing a 1st tier of $100 monthly.

- The debtor has not provided sufficient proof to support the large increase in payments to the trustee in the 2nd tier of the plan of $4085.

- The trustee should receive any non-exempt proceeds from any lawsuits

- There is $19,950.49 non-exempt equity in residential property.

-Schedule A/B #19 states debtor owns non-publicly traded stock and interests in incorporated
and unincorporated businesses, including an interest in an LLC, partnership or joint venture.
The disclosure lists value as zero and ownership of 100%. Is there an actual value of this
interest? need certification explaining that. (CERT PROVIDED THAT DEBTOR IS 100% OWNER OF 32 HOCKEY LLC. DUE TO INJURY DEBTOR NEVER OPERATED THE BUSINESS)

- any non exempt proceeds from wrongful termination and Personal injury cases to be paid to Trustee


Plan proposes $100 x 24; $4085.42 x 12 Base w/min $44,000 to gucs

Payments: 4/5 Arrears $100

RESOLVED:
- IRS filed estimated priority claim 9-1 (AMENDED)
- Objection filed by Lakeview Loan Servicing (Aleisha Jennings) - failure to pay arrears of $22,690.66 (RESOLVED VIA ORDER - PAY ARREARS)
- State of NJ filed estimated priority claim 30-1 (AMENDED)
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-23498 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
7/8/2026 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $500.00
As of 4/30/26 (DS): 1. MFR filed by Freedom Mtg, no opposition filed, sched 5/6/26, Debtors made 1 payment in Jan, but no further payments after and are in arrears from Feb-April total $6,777. OTBS

2. Trustee obj to the following:
- Removing child support income would make Debtors income insufficient, disposable income will verify $128, after deducting the differene allowed with utilities.
- Sched J has excessive expense for Electric/gas/heat $600.
- Add to confirming order Debtors to provide 2025 Tax Return no later than 5/31/26.

3. State of NJ filed estimated tax claim, 2024 not filed. Must resolve claim.

4. Bar date has passed, no claim filed by IRS.

5. Freedom Mtg filed arrears claim for $134.92. Needs to be paid.

6. Service Finance (HVAC Plumbing) filed arrears claim for $7,720.74, creditor not in plan. Must resolve claim.

7. US Dept of HUD filed claim, also not in plan, no arrears owed.

Prop Plan $500 x 60 begin 1/1/26; Base
Note: 2024 Tax Return provided 4/30/26. Expense for transportation $650 is fine. Updated auto insurance, homeowner insurance and copy of letter terminating CS provided.
Email InquiryRequest
Adjournment
5/6/2026 10:00 am25-23625 / MBKFrances A. Tomes, Esq.Confirmation Hearing ScheduledDeniedDebtor has made 5 of 5 required payments   Arrears: $0
MP in 1rdays and amended schedules and POI also EDC

As of 4/29/26 (DS): 1. Trustee obj to the following:
- Must amend Sched I to add Debtor's new employment and provide updated pay stubs from new job and 2025 Tax return, if not filed can add to confirming order to provide 2025 tax return no later than 5/31/26.
- Disposable income verifies $4,707.
- There is non-exempt equity in the residence $104,237, household goods $1,500, bank checking acct $2,651 and savings acct $200 total $108,588.
- Must file Pre-confirmation certification.

2. MidFirst Bank (ASHLEY PASCUZZI) obj to arrears owed, POC filed with arrears $11,813.04. Must resolve obj.

3. IRS $4,441.62 and State of NJ $772.05 both filed tax claims not in plan. Trustee ok to pay?

Prop Plan $1,415 x 36 begin 1/1/26; 100%
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-10078 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
7/8/2026 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0
AS OF 4/29/26 (at)

1. Objection filed by CSMC 2021-RPL5 Trust (Pluese Becker) - debtor was already given 3 loan modifications and defaulted on all of them. Debtor has insufficient funds to cure arrears of $121,090.77. (UNRESOLVED)

2. OneMain Financial Group filed a bifurcated claim which needs to be resolved.

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 - 2025 by 5/31/2026 (LANGUAGE ADDED)
- The debtor has undertaken an improper use of exemption. Specifically: -Debtor is not on the Deed and therefore cannot claim an exemption.
- 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: $930/health insurance.
- 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 $40,499.84 non-exempt equity in house. (DEBTOR IS NOT ON THE DEED - SO NO N/E EQUITY)

Plan proposes: $500 x 12 beginning 2/1/2026, $2,500 x 48, loan modification by 8/1/2026, not less than $20,000 to unsecured creditors
Payments: 4/3, $500 credit
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-10182 / MBKPeter E. Zimnis, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 4 required payments   Arrears: $1,500.00
UPDATED 5/1/2026 (jma) atty requested plan be denied. Debtor is filing a new plan based on the correct threshold and current income situation.

issues as of 4/29/2026 (jma)
1) Freedom Mortgage Corporation (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- Creditor objects to any plan which proposes to pay it anything less than $1,693.49 as the pre-petition arrearage over the life of the plan.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - NOT FILED TO DATE
- Mortgage balance statements from Figure Lending and US Dept of HUD prior to filing date if no POC filed. NO CLAIMS FILED, WILL NOT MAKE PAYMENT N FIGURE LENDING WITHOUT A CLAIM AND MOTION TO ALLOW LATE CLAIM
- Amendments to Schedules I and proof of income for new job at Emerald Title
- The debtor must provide updated proof of auto insurance for the 2017 Honda Civic. The policy provided has expired. RENEWAL NOT PROVIDED
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Auto insurance $394 (Per old insurance verified $261).
- 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): Disposable income verifies $2,399.

proposed plan $1,000x60 base plan
paid in $2,500
arrears $500
last 16-1

RESOLVED ISSUES:

- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return - 2025 RETURN PROVIDED, NO REFUND.
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-10192 / MBKRobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
5/27/2026 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,500.00
issues as of 4/29/2026 (JMA)

1) Freedom Mortgage (Brock & Scott) objection to confirmation - NEED TO RESOLVE
-Creditor to file claim for pre-petition arrears in the amount of $13,789.06
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 by 5/31/2026.
- Need a statement for the retirement plan loan.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $350/month for home maintenance; $1,200/month for utilities; $575/month for cable/internet/phone; $1,500/month for food; $1,200/month for medical/dental; $300/month for life insurance
Need proof of expenses 10 days prior to confirmation.
- 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 $6,230.33.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $22,585.00 when determining disposable income.
- Need to resolve objection by Freedom Mortgage.
-Need updated income from the spouses Construction business because the income provided for January is currently showing as $0. NOTHING PROVIDED TO DATE

proposed plan $1,500x60 base plan
paid in $4,500
last claim 71-1
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-10414 / MBKMitchell L. Chambers, Esq.Confirmation Hearing ScheduledContinued
7/8/2026 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0
AS OF 4/30/26 (SF)


1. Objection filed by US Bank Trust (Woerner) - failure to pay arrears of $325,500 and speculative sale (MUST RESOLVE)

2. Trustee objection:

- Amendments to Schedules Schedule A/B and C does not include cars as Schedule J includes insurance and car payments.

- Form 122C-2 Line 45 there is monthly disposable income in the amount of $4,222.81. This requires minimum $253,368.60 to general unsecured creditors. Plan will be 100%

-Schedule A/B and C does not include cars. Schedule J lists expense for $1,000/month car insurance and car payments in the amounts of $369 and $400.

-Schedule J includes husband cc bills in the amount of $575. Need supporting documentation.

-Schedule J #17c lists "average vehicle expenses for other vehicles $400." Need explanation of
this expense. All expenses will be allowed as long as case remains 100%

_ need update on debtor income 1 year after conf.

- Any non exempt proceeds form sale of real property be paid to Trustee


Plan proposes $595 x 36 Base; Sale of real estate by 7/14/26
Payments: 3/3
RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-10567 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 5/6/26 (SF) UPDATED


RECOMMEND $1,200 PTD; $600 X 56 (BEGIN 6/1/26) 100% PLAN W/MIN DIV OF $143,154 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE; NON EXEMPT PROCEEDS FROM REFI BY 2/1/27
- PAY ARREARS TO FREEDOM MORTGAGE PENDING REFINANCE
- COTBS WITHIN 30 DAYS RESOLVING OBJ BY FREEDOM MORTGAGE
- FIG 20 LLC AND RTLFNJ II LLC DID NOT FILE CLAIMS - STRIKE FROM PLAN
- LOW BASE

CONFIRM AT $600 GOING FORWARD LOW BASE REFI PER PLAN PROPOSAL 100%

AS OF 4/30/26 (SF)

1. Objection filed by Freedom Mortgage Corp (Wilson) - failure to pay arrears of $127,786.82 COTBS

2. Trustee objection:

- Verified income leaves monthly disposable income of $1,414.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $11,867 when
determining disposable income.

- There is $143,154 in non-exempt equity in the residence (100% PLAN)


Plan proposes $400 x 60 100% Plan; Refinance by 2/1/2027
Payments: 3/3

RESOLVED:
- The debtor must provide updated proof of auto insurance for the 2017 Ford. The policy
provided has expired. (RECEIVED)
- A copy of the last filed tax return - for 2025 by 5/31/2026. (RECEIVED)
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-10574 / MBKErik M. Helbing, Esq.Confirmation Hearing ScheduledContinued
6/17/2026 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0
AS OF 4/30/26 (SF)

Plan is no longer feasible due to higher mortgage arrears. The plan payment will need to increase to $3389 and the disposable income is only $2485.


1. Objection filed by US Bank Trust (Egerman) - failure to provide for payment of arrears in the amount of $93,361.05

2. Trustee objection:

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

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

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$800/month for childcare (no dependents listed anywhere) $560/month for car insurance
Need proof of expenses 10 days prior to confirmation.

- Per the 22C, monthly disposable income is $1,794 which requires a minimum dividend of
$107,640 to general unsecured creditors.

- There is $37,909 non-exempt equity in the residence (EQUITY IS NOW HIGHER DUE TO LOWER CLAIMS - $71,324) (100% PLAN)

- There is $3,142 non-exempt equity in the Cadillac.



Plan proposes $2415 x 60 100% Plan
Payments: 3/3

Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-10725 / MBKKevin C. Fayette, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0
4/30 workup EDC

confirm at:
$6300 paid then $1575 x 57 beg 5/1/26 pro rata with min of $81,300 to unsecured

1) Trustee objection to confirmations - NEED TO RESOLVE
- The debtor has insufficient income.
- 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): Proof of 2 month's income - for co-debtor's job once she returns to work. DEBTOR PROVIDED PROOF OF INCOME HAVING RETURNED TO WORK. DEBTOR INCOME $6,376.92
- A copy of the last filed tax return - for 2025 by 5/15/2026. - RESOLVED, PROVIDED
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $575/month for medical and dental; $503/month for health insurance (Per Schedule I it's deducted from co-debtor's pay stubs). Need proof of expenses 10 days prior to confirmation.
- 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 $41,008 in non-exempt equity in the residence.
- There is $24,419 in non-exempt equity in the life insurance policy.

proposed plan $1,575x60 minimum to gucs $81,300
paid in $4725
last claim 17-1
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-10813 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 4 required payments   Arrears: $300.00
AS OF 5/4/2026 (at):

RECOMMEND: $800 PAID TO DATE, $500 x 23 BEGINNING 5/1/2026, $650 x 10 BEGINNING 4/1/2028, BASE
- Need 2025 tax return by 5/31/2026.

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 by 5/31/2026. (LANGUAGE ADDED)
- Need a statement for the 401k loan. (RECEIVED - ADDITIONAL $173/MONTH IN INCOME BEGINNING MONTH 27)

Plan proposes: $200 x 36 beginning 2/1/2026, base
Payments: 3/3
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-10826 / MBKWarren Brumel, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 4/30/26 (SF)

RECOMMEND $1300 PTD, $914 X 56 (BEGIN 6/1/26) BASE PLAN
- MUST PROVIDE COPY OF 2025 TAX RETURN BY 5/31/26




Supplemental Trustee Objection:

1. The profit and loss is unacceptable as it has no totals for income or expenses and therefore no total income . (RESOLVED)

2. It is 26 pages of nothing helpful.

3. AS to co debtor's income, that verifies higher at 7898.77 per month. Co Debtor only provided 2 statements (new job). Need to provide additional proof of income. (RECEIVED)

4. In addition, the case is an above median case and must run for a total of 60 months . This plan is proposed for 36 months.

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

--Excessive expenses on Schedule J - $900/childcare; $800/transportation. Must provide documentation supporting excessive expenses within 10 days of confirmation hearing

Plan proposes $325 x 36 Base
Payments: Current $1300 Received




Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-11006 / MBKRoger Chavez, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $100.00
AS OF 5/1/2026 (at):

RECOMMEND: $100 x 36 BEGINNING 2/1/2026, BASE
- Need to file Pre-Confirmation Certification within 7 days of confirmation.

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)

Plan proposes: $100 x 36 beginning 2/1/2026, base
Payments: 3/4, arrears $100
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-11060 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 4 required payments   Arrears: $1,100.00
5/5/26 (DS): Per AR mark plan as denied, atty to file mod plan within 14 days to remove adeq prot payments and service Air Academy FCU mod plan. Atty agrees

As of 4/30/26 (DS): 1. ISSUES NOT RESOLVED:
- Need consent order with Air Academy FCU in order for the Trustee to make adequate protection payments.
- Disposable income verifies $1,273.
- Must file Pre-confirmation certification.
- Add to confirming order fee app within 7 days from confirming order.


As of 3/24/26 (DS): Debtor atty requested adj to allow time for creditor to receive notice. Will need to adjourn to next calendar date, 4/15 calendar avoided

3/25/26 (DS): 1. Debtor not current with Trustee payment for March. DEBTOR ONLY OWES $160 FOR APRIL

2. Trustee obj to the following:
- Need consent order with Air Academy FCU in order for the Trustee to make adequate protection payments.
- Service to Air Academy was done 3/4/26, need 30 days to allow service.
- 22C disposable income $2,568-$2,291.67 income earned from Nu World=$276.33 (PER DEBTOR'S CERT THIS WAS INCOME EARNED ON A PROJECT NOT NORMAL DAYS WORK EARNED) would require min. div. $16,580 to gucs.
- Excessive expenses on Sched J: $600 Food, $125 Clothing, $175 Entertainment and $100 Personal care total $1,000, deducted 22C allowed $839 deduct $161 from expenses.
- Disposable income verifies $1,273.
- Must file Pre-confirmation certification.
- Add to confirming order fee app within 7 days from confirming order.

Prop Plan $1,100 x 60 begin 2/1/26; Base
Note: Service to Air Academy ok. 2025 Tax return provided. 2024 Tax refund not issue, 2025 Tax return provided, no refund received, actually owes.
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-11173 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
5/27/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $5,944.00
AS OF 4/29/2026 (at):

1. Objection filed by US Bank (Robertson Anschutz) - failure to cure full arrears of $88,606.49 (Per claim). Plan proposes to pay $62,778.92. (UNRESOLVED)

2. 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):
-Excessive expenses on Schedule J: $700/utilities; $479/telephone, cellphone, cable; $600/transportation 1 person
-Form 122c-1 Line 45 excess disposable income $2,942.07, which requires $176,534.20 to general unsecured creditors. All will be allowed as long as the case remains 100%
- Estimated tax claim by IRS (STILL ESTIMATED)

Plan proposes: $3,972 x 60 beginning 3/1/2026, loan modification by 8/1/2026, 100% plan
Payments: 1.5/2, arrears $1,972
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-11205 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
5/27/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $500.00
issues as of 5/1/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income - Paystubs for February and March 2026. USING ALL PAYSTUBS PROVIDED FROM AUGUST 8, 2025 TO MARCH, 20, 2026 - DEBTOR INCOME $8,542.82 - RESOLVED
- 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 $1,229.78. WITH UPDATED INCOME, DISPOSABLE NET INCOME IS $2,099.82. PLAN ONLY PROPOSES PAYMENT OF $500
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
- Debtor had a Motor vehicle accident in August 2025- need update on this 6 months from confirmation.

proposed plan $500x60 base plan
paid in $1,000
last claim 22-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED.
- A copy of the last filed tax return - for 2025 by 5/31/2026. RESOLVED
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $2,955/month for rent (need copy of lease PROVIDED, RENT $2,955 EXPIRES 6/30/2026); $250/month for childcare OK STATEMENT PROVIDED; $660/month for life insurance STATEMENT PROVIDED SHOWS $719.55/MONTH; $287/month for TIAA Retirement loan repayment - STATEMENT PROVIDED WILL BE PAID IN FULL 8/15/2028, MONTHLY PAYMENT $229.29; $600/month for care for 17-year-old sons RESPITE CARE $540/MONTH
Need proof of excessive expenses 10 days prior to confirmation.
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-11255 / MBKPeter E. Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $0
AS OF 5/1/2026 (at):

RECOMMEND: $1,500 PAID TO DATE, $1,142 x 57 BEGINNING 6/1/2026, BASE
- Need order resolving objection by Onity within 30 days of confirmation.

1. Objection filed by Onity Loan (McCalla Raymer) - failure to cure arrears of $56,271.12 (Per POC). Debtor has insufficient income. (RESOLVED - PAY PER POC - NEED ORDER)

2. 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 copy of the last filed tax return - for 2024/2025 or cert of non-filing. (RECEIVED)
- 2 months bank statements from Investor's Bank prior to filing date. (NOT RECEIVED)
- Amendments to Schedules A/B and C to add Citizens Bank acct#3630 $1,078. (NOT AMENDED)

Plan proposes: $1,000 x 60 beginning 3/1/2026, base
Payments: 1.5/3, arrears $1,500
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-11458 / MBKMatthew Gross, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 2 of 3 required payments   Arrears: $2,465.00
NS
341 SCHEDULED SO OK TO ADJ IF FUNDS POST AND HAVE UPDATED HOME INSUR W/LIABILITY FOR 548 W/EXP DATE

As of 4/2/26 (DS): 341 not held 3/26/26, still missing lots of docs, also no Trustee payments made. Debtor in arrears $4,930, made 0 out of 2 payments.
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-11535 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
7/29/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,878.00
AS OF 4/28/2026 (at):

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

2. NJ Division of Taxation filed an estimated claim which needs to be amended. (STILL ESTIMATED)

3. 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 copy of the last filed tax return - for 2025 by 5/31/2026.(LANGUAGE ADDED)
- Need a statement for the co-debtor's 403B loan. (RECEIVED - LOAN PAID OFF IN JUNE, 2030 - ADDITIONAL $90/MONTH)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$600/month for cable/internet/phone
$926/month for transportation
$700/month for children's sports
Need proof of expenses 10 days prior to confirmation.
- 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 $194,980 in non exempt equity in the residence.(LANGUAGE ADDED)
- There is $2,120 in non exempt equity in the Dodge Caravan. (LANGUAGE ADDED)
-Debtors to provide a copy of the marriage certificate. (RECEIVED)

Plan proposes: $1,878 x 60 beginning 3/1/2026, 100% plan
Payments: 1/2, arrears $1,878
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-11676 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledContinued
7/29/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $300.00
issues as of 4/29/2026 (JMA)

1) Fund Society, FSB/Wilmington Savings Fund Society (Friedman Vartolo) objection to confirmation - NEED TO RESOLVE
-Pre-Petition arrears approximately $331,822.86
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): A copy of the last filed tax return - for 2025 by 5/31/2026.
3) Resurgent Recivables, LLC filed secured claim 2-1 for 2019 Volkswagen Jetta. This claim is not provided for in the plan.
- Need to know how this claim is to be treated through the plan.

proposed plan $300
arrears $300
last claim 2-1
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-11716 / MBKMitchell Lee Chambers, Esq.Confirmation Hearing ScheduledContinued
7/8/2026 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $8,086.00
As of 4/30/26 (DS): 1. Debtor in arrears $8,086.10, made 0 out of 2 payments.
1 PYMT POSTED 5-1

2. Trustee obj to the following:
- Must provide auto insurance for 2019 Subaru (expired 4/12/26), 2 months proof of income from Intuit prior to filing date, Affidavit of contribution from son, 2 months proof of income from son prior to filing date, 2025 Tax return and Kearny statements from acct#273 from 1/31/26 - 2/17/26.
- Amend Sched I to add son's contribution.
- Need a mod plan that marks off Part 8c and 8d Trustee standard order of distribution.
- Debtor has insufficient income, disposable income verifies $2,378, pending proof of income.
- There is non-exempt equity in the residence $5,035, 2019 Subaru $4,359 and Kearny acct#273 $499 total $17,956.
- Must resolve the estimated tax claims of IRS 2024 & 2025 not filed and State of NJ 2024 not filed.
- Must file Pre-confirmation certification.

Prop Plan $4,043.05 x 60 begin 3/1/26; Dollar Base $2,703.48
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-11876 / MBKCarol L. Knowlton, Esq.Confirmation Hearing ScheduledContinued
6/17/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
As of 4/30/26 (S): Debtor atty requested adj to allow time to resolve creditor objection

As of 4/30/26 (DS): 1. PNC Bank (LOGS LEGAL GRP) obj to plan not mentioning mortgage on residence, arrears owed, POC filed with arrears owed $131,657.70. Plan and Schedules do not list the residence as Debtor's property and mortgages are not listed in the Plan. Must resolve obj.

2. PNC Bank - 2019 Honda is not a leased vehicle but a financed debt and car payment $335 ends in month 25, which would require a tier plan payment.

3. BELOW ISSUES REMAIN UNRESOLVED.

As of 4/9/26 (DS): Debtor atty requested adj to allow time to resolve creditor obj and will now need time to resolve Trustee obj as well

4/15/26 (DS): 1. Trustee obj to the following:
- Must provide copy of the lease for residence. DEBTOR PROVIDED A DEED WHICH SHOWS THAT DEBTOR TRANSFERRED RESIDENCE TO SPOUSE ON 3/15/16 WITH MORTGAGE DATED 11/21/05 TO BE PAID BY SPOUSE IN THE AMOUNT OF $274,591.97 OWED TO WELLS FARGO, BUT HE IS RESIDING ON RESIDENCE COVERING ALL EXPENSES.
- Need info on non-filing spouse's employment situation. Does she work? If yes, then need amended Schedule I & 60 days current pay stubs and 2024 Tax return. If not need a certification that she is not employed and has no income, still need 2024 tax return, since filed married filing separate.
- Excessive expense on Sched J for Home maintenance $260, Electricity/heat/gas $545 (Bills provided are during the winter season, need an average for the year), Water/sewer/garbage $390.50, Tele/cell $450, Food $2,000 (although a printout was provided this is not acceptable and is excessive and Trustee will only allow 22c amount), Medical/Dental $494 and Dog food/gym/savings $490.
- 22c takes household of 2, 25 year old daughter not on 2023/2024 tax return and pending 2025 tax return. Therefore should not be taking household of 2. Now atty for mortgage filed obj that Debtor failed to include mortgage arrears owed on residence in the Plan of $131,657.70, no cl
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-11914 / MBKHerbert B. Raymond, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 2 of 3 required payments   Arrears: $1,209.00
AS OF 4/29/26(SF) MP FILED TO REDUCE PLAN LENGTH. NEW PLAN SCHEDULED FOR 5/27

1. The IRS filed estimated priority claim 7-1 (NEED AMENDED CLAIM)



Plan proposes $1209 x 60 Base
Payments: 2/2


RESOLVED:
Trustee objection:

- Must provide a current market analysis -
- Must provide Business profit & loss statements
- Must provide a copy of the last filed tax return - 2025 by 5/31/2026 (RECEIVED - TAX REFUND IS $3443)

Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-11926 / MBKJames V. Loewen, Esq.Confirmation Hearing ScheduledContinued
5/27/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
341 is 5/14/2026.
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-11979 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
6/17/2026 10:00 am
Debtor has made 0 of 3 required payments   Arrears: $2,100.00
issues as of 4/29/2026 (JMA)

1) 341 not held, not rescheduled
2) Not current with Trustee plan payments, arrears $1,050

proposed plan $500x1, $1050x19, $1400x7, $1550x33 100% plan
paid in $500
arrears $1050
last claim 10-1
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12025 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 1 of 3 required payments   Arrears: $532.00
AS OF 4/30/26 (SF)

1. Objection filed by NJ Housing and Mortgage Finance Agency (Cozzini) - failure to pay arrears of $3,029,77

2. Trustee objection:

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

- Need a current market analysis - with comps used to determine the value of the property. Zillow values the property a lot more.

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

- Need a copy of the homeowner's insurance renewal declaration - with personal liability
coverage, insurance provided is forced placed insurance and does not have liability
coverage.

- The debtor must provide proof of auto insurance for the 2016 Jeep Wrangler.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- 22C has excessive expenses on Line 22 Additional healthcare $66 (There is no additional
healthcare on pay stub, already on Line 25), Line 23 Optional tele and tele services $200,
Line 30 Additional Food/clothing expenses $30 and Line 43 Extra transportation $350. There
would be disposable income $402, which would require a min. div. $24,120 to gucs.
- Home maintenance $250, Water/sewer/garbage $200, Tele/Cell $200, Cable/Internet $300,
Food $650, Clothing $150, Personal Care $150, Transportation $700(per 341 his company
reimburses travel), Entertainment $175 and Misc. $200. Must provide proof of monthly
expenses 10 days prior to confirmation.

- There is estimated to be non-exempt equity in the residence pending updated CMA and comps. Zillow values the property to be $426,400.

- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Must serve Capital One to street address, not PO Box.

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


Plan proposes $266 x 60 Base
Payments: 1/2 Arrears: $266



Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12026 / MBKRahaf Alrehaili, Esq.Confirmation Hearing ScheduledContinued
5/27/2026 10:00 am
Debtor has made 2 of 10 required payments   Arrears: $1,700.00
AS OF 4/30/26 (SF)

Attorney will be filing 3 motions:
- Motion to transfer funds (FILED) 5/27 at 9
- Motion to approve settlement (NOT FILED)
- Motions to object to claims 1,2 and 6 scheduled for 5/27/26 at 9
- Trustee Motion to dismiss scheduled for 5/27/26 at 9


Note: This case was severed from case 25-17578. 341 held.

1. Objection just filed by Igor and Irina Shubov (Beslow) - Debtor Fails to devote entire disposable income due to excessive expenses and Debtor's plan lacks clarity on source of funds and allocations of prior plan payments

2. Need updated proof of income for spouse for January and February 2026(STILL NEED)

3. Trustee objection:

- Excess expenses $450/home maintenance; $400/electricity; $720/telephone, cellphone,
internet; $1,200/food; $400/clothing; $1,200/transportation; $1,026.88/car payment and
$880/car payment; $530/gym membership; $400/pet care food. Need to provide supporting
documents for expenses. (OK - 100% PLAN)

- There is $101,478 non-exempt equity in the house.
- There is nonexempt equity of $1285 in Harley Davidson

4. There is pending employment termination suit



Plan proposes $2,000 x 8; $2150 x 52 100% Plan
Payments: 1/2 Arrears: $1,850

RESOLVED:
- Attorney must review the claims register and advise the Trustee as to how to allocate the claims for each case. (Schedule F was amended)
- Need updated proof of income for debtor (RECEIVED)
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12079 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
5/8/2026 10:30 am
Debtor has made 1 of 3 required payments   Arrears: $2,907.00
issues as of 4/29/2026 (JMA)

1) Santander Bank (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- Creditor has not yet filed its proof of claim, it is anticipated that the claim will include pre-petition arrears totaling $86,983.76.
2) Habitat for Humanity in Monmouth County, Inc (Lowenstein Sandler) objection to confirmation - NEED TO RESOLVE
- Habitat for Humanity in Monmouth County, Inc joins in the arguments raised in the Santander Bank objection.
3) 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 by 5/31/2026.
- The debtor must provide proof of auto insurance for the 2017 Chevy.
- 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 $1,814.77.
- Need to resolve objection by Santander
4) IRS priority claim is estimated for 2025 taxes.

proposed plan $1,569x60 0% plan
paid in $500
arrears $2,638
last claim 7-1
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12156 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledContinued
6/17/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $658.00
As of 5/4/26 (DS): Debtor atty requested adj to resolve all issues
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12194 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $100.00
AS OF 4/28/2026 (at):

RECOMMEND: $100 x 36 BEGINNING 3/1/2026, BASE
- Need 2025 tax return by 5/31/2026.

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 by 5/31/26. (LANGUAGE ADDED)
- A copy of the deed - for residence. (RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
2nd mtg payment $511

Plan proposes: $100 x 36 beginning 3/1/2026, 0% to unsecured creditors
Payments: 1/2, arrears $100
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12269 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 1 of 2 required payments   Arrears: $150.00
NS
AS OF 4/30/26 (SF) NO PAYMENTS

1. Objection filed by Soundview Home Loans (Fissel) - failure to pay arrears of $57,090 and speculative loan mod

2. Trustee objection:

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

- A Modified Plan that completes part 8a and 8d.

- Verified income leaves monthly disposable income of $2,049.81.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $4,811.00 when determining disposable income.


Plan proposes $150 x 36 Base; Loan Mod by 10/1/26
Payments: 0/2 Arrears $300


Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12295 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
7/8/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $509.00
issues as of 4/29/2026 (JMA)

1) Deutsche Bank (RASC) objection to confirmation - NEED TO RESOLVE
- Secured Creditor anticipates its proof of claim will evidence pre-petition arrears of $23,788.08 whereas the Plan proposes to pay only $21,772.18
2) Trustee objection to confirmation - NEEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - NOT FILED TO DATE.
- 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): There is $16,495.53 non-exempt equity in house.

proposed plan $512x60 100%
paid in $0
arrears $512
last claim 7-1
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12296 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
7/8/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $150.00
As of 4/29/26 (DS): Debtor atty requested adj to allow 341 sched 4/30/26 to be heard and resolve any issues or obj, request denied, no Trustee payment made.

1. Trustee obj that a mod plan is needed that pays attorney fees $2,450 per attorney disclosure and Statement of
Financial Affairs attorney paid $1,537 remainder balance is $2,450.


Prop Plan $150.07 x 60 begin 4/1/26; Base
Note: 2025 Tax return provided.
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12330 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $390.00
AS OF 4/28/2026 (at):

RECOMMEND: $780 x 6 BEGINNING 4/1/2026, $1,300 x 30, BASE
- Student loans will be paid outside of the plan.

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):
- Domestic Support Obligation information for child support - need order (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - for Madison Drive property. (DEBTOR HAS NO INTEREST IN THIS PROPERTY)

Plan proposes: $780 x 6 beginning 4/1/2026, $1,300 x 30, base
Payments: 1/1
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12336 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
6/17/2026 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $1,044.00
AS OF 4/27/26 (SF) NO PAYMENTS (Copy of payment receipt provided for $522.



1. Objection filed by Credit Acceptance Corp (Craig) - Credit Acceptance objects to the Debtor's Plan unless the Debtor pays an interest rate of 9.5% over the life of the Plan (60 months) in order to adequately protect Credit Acceptance for any risk of loss. Also fails to provide for payment of adequate protection payment (MUST RESOLVE)

2. The plan proposes to avoid lien for Midland Credit Management Inc. which is a judgment lien for $1200 for account ending in 6102 for furniture. Claim 10-1 is a Midland Credit Management claim with account number ending in 6102 but its for Victoria Secret. Is there another claim with the same last four digits?

3. Must file pre-confirmation certification




Plan proposes $521.82 x 60 Base
Payments: 0/1 Arrears: $521.82

Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12473 / MBKJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledContinued
6/17/2026 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $2,320.00
issues as of 4/29/2026 (JMA)

1) 341 not held, rescheduled for 5/14/2026 - need to request adjournment of confirmation hearing to allow 341 to be held.
2) No Trustee plan payments to date, arrears $1,160
3) Debtor needs to make a Trustee plan payment to allow adjournment to be granted
4) Santander Bank (Eisenberg Gold & Agrawal) objection to confirmation - NEED TO RESOLVE
- The plan should be amended to provide for payment of the net loan balance of $27,668.36

proposed plan $1160x60 100%
paid in $0
arrears $1,160
last claim 11-1
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12477 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
7/29/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $2,703.00
As of 4/29/26 (DS): 341 sched 5/14/26, must submit confirmation adj request
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12502 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
5/27/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $800.00
AS OF 4/28/2026 (at):

1. Objection filed by Rocket Mortgage (McCalla Raymer) - failure to cure arrears of $4,301.49 (Per POC). Plan proposes to pay $0. (UNRESOLVED)

2. Objection filed by Ally Capital (McCalla Raymer) - objecting to cram amount $5,635. Creditor values car at $12,075. (UNRESOLVED)

3. Trustee's objection:
- The debtor has failed to file a feasible plan - that propose a tier plan when Debtor pension loan
payment $703 ends in month 13.
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2025. (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - expired 4/1/26. (RECEIVED)
- Value statement of Transamerica Life insurance policy prior to filing date . (RECEIVED)
- Amendments to Schedules A/B and C to add 2008 Mercedes Benz C300 listed on auto insurance only debtors listed as drivers.
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C takes improper exemption on the Two 9mm Glock using d(3), should be (d)(5).
- 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 $204,329, 2018 Ford $610, (LANGUAGE ADDED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Must service Ally Financial to address on proof of claim filed. (OBJECTION FILED)

Plan proposes: $800 x 12 beginning 4/1/2026, $1,132 x 48, 100% plan
Payments: 1/1
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12528 / MBKErik M. Helbing, Esq.Confirmation Hearing ScheduledContinued
6/17/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,423.00
AS OF 4/30/26 (SF)

1. Objection filed by JPMorgan (RAS) - Objects to payout amount. Debtor must pay the balance due on the lease of $4290. If debtors are seeking ownership of vehicle Chase is entitled to total amount of $31,835.24 thru the plan and shall retain title to the vehicle until such time as the amount set forth herein is satisfied.

Trustee objection:

- The debtor has not filed the required Pre-Confirmation Certification.

- Need proof of 2 month's income from Co-Debtor with Truegreen.

- Wells Fargo Bank statements for accts#6491 and #5178 from 1/9/26-3/7/26 (docs provided had no acct numbers on them), TD Bank and Venmo statements from Jan.-March prior to filing date.

- The debtor's plan consists of unnecessary or excessive expense items, such as: Electricity/heat/gas $645 and Auto insurance $320 (verifies $271). Must provide proof of expenses 10 days prior to confirmation.

- The schedules fail to account for the debtor(s) tax refund in the amount of $1,805

- Plan fails to provide the non-exempt equity in the residence.

- There is non-exempt equity in the residence $32,550.

- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Must service JPMorgan Chase Bank at address on proof of claim filed on the 2024 Subaru.

- Add to confirming order Debtors to provide updated proof of income 6 months from confirming order.

Plan proposes $1423 x 60 Base
No payments: 0/1 Arrears: $1423

Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12680 / MBKJoel R. Spivack, Esq.Confirmation Hearing ScheduledContinued
6/17/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
UPDATED 5/6/2026 (jma) - DEBTOR ATTY REQUESTED ADJOURNMENT, NO PROOF OF PAYMENTS PROVIDED - NEED TO APPEAR AND REQUEST ADJOURNMENT

UPDATED 5/1/2026 (JMA)
issues as of 4/30/2026 (JMA)

1) No Trustee plan payments to date, arrears $925
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - NOT FILED TO DATE
- The debtor(s) plan consists of unnecessary or excessive expense items, such as, $250/month for home maintenance; $450/month for cats.
Need proof of expenses 10 days prior to confirmation.
- 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 $1,600.87.
- updated income and amended I/J 6 months

proposed plan $925x45, $1,340x15 base plan
paid in $0
arrears $925
last claim 17-1

RESOLVED ISSUES:

- 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
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12728 / MBKCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
6/17/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $218.00
ADJOURNED CONF PER ATTY PREVIOUS REQUEST TO ALLOW TIME TO RESOLVE ALL ISSUES AND PASS BAR DATE

As of 5/5/26 (DS): 1. Debtor in arrears $435.36, made 0 out of 2 payments. ATTY PROVIDED PROOF OF 2 TFS PAYMENT, 1 MADE 4/29/26 $217 WHICH WAS CLEARED, BUT NOT POSTED AND 1 MADE 5/5/26 $218 SCHED 5/7/26.

2. Trustee obj to the following:
- Must provide recorded Deeds for Hazelhurst Ave and S. Broad St properties.
- Need homeowner insurance with personal liability coverage, CMA and recorded Deed for S. Warren St property (PER PROPERTY SETTLEMENT AGREEMENT EX-SPOUSE TO TAKE OVER PROPERTY AND REFINANCE WHEN INTEREST RATES DROP. NOW HOW DO WE RESOLVE THE ARREARS CLAIM FILED BY MORTGAGE SINCE THIS IS NOT DEBTOR'S RESPONSIBILITY?
- Need valuation of business assets/business documents for Tu Envio Seguro, LLC showing Debtor's interest. (PER PROPERTY SETTLEMENT AGREEMENT DEBTOR AND EX-SPOUSE HAVE 50% INTEREST OF PROPERTY OF S. BROAD ST WHICH IS RENTAL PROPERTY) and Recorded Deeds for Hazelhurst Ave and S. Broad St.
- Disposable income verifies $1,199, tax refund $5,636 not included on Sched I. ATTY PROVIDED COPY OF CHILD SUPPORT PAYMENTS THAT SPOUSE MAKES $205 WEEKLY, WHICH WAS NOT LISTED ON SCHED J. MUST AMEND SCHED J TO ADD CHILD SUPPORT.
- Plan fails to add PennyMac Loan and Sched A fails to add property S. Warren St POC filed with arrears $254.49. Per Property Settlement agreement ex-spouse to refinance this property once interest rates drop. So Debtor is not responsible for this debt, however the mortgage and Deed, which has not been provided is still in her name. THIS CLAIM STILL NEEDS TO BE RESOLVED.
- There is non-exempt equity in the investment property $1,194.

4/29/26 (DS): Debtor atty requested adj to allow 341 sched 4/30/26 to be heard and resolve all issues, request denied, Debtor has not made Trustee payment.

Prop Plan $217.68 x 60 begin 4/1/26; Base
Note: Spouse 2024 Tax return, Joint 2025 Tax return and property settlement agreement provided.
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12765 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
6/17/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $20,374.00
As of 4/29/26 (DS): Debtor atty requested adj 341 sched 5/28/26
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12845 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 2 required payments   Arrears: $485.00
AS OF 4/28/2026 (at):

RECOMMEND: $485 x 15 beginning 4/1/2026, $775 x 3, $1,065 x 28, $1,529 x 14, 100% plan
- Preserve non exempt equity of $24,671 in real estate.
- Preserve non exempt equity of $1,487 in personal property.

Trustee's objection:
- 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 $24,671 non-exempt equity in house. (LANGUAGE ADDED)
-There is $1,487 non-exempt equity in 2011 Chevrolet Silverado. (LANGUAGE ADDED)

Plan proposes: $485 x 15 beginning 4/1/2026, $775 x 3, $1,065 x 28, $1,529 x 14, 100% plan
Payments: 1/1
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12898 / MBKLaurence R. Sheller, Esq.Confirmation Hearing ScheduledContinued
5/8/2026 10:30 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 4/27/26 (SF)

1. MUST REQUEST ADJOURNMENT OF CONF HEARING
1. 341 NOT HELD - RESCHEDULED TO 5/14/26
2. PAYMENTS: 1/1
Email InquiryRequest
Adjournment
5/6/2026 10:00 am26-12943 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
6/17/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,150.00
updated5/1/2026 (JMA)
issues as of 4/30/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- 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 $48,970. (100% PLAN)
- Add to confirming order non-exempt proceeds from potential injury claim to Trustee (or letter from Attys that case is not being prosecuted).
2) Fay Servicing LLC/US Bank (Friedman Vartolo) objection to confirmation - NEED TO RESOLVE
- Secured Creditor is due pre-petition arrears of approximately $42,261.76 to be set forth in a Claim to be filed by the Claims Deadline May 27, 2026.

proposed plan $1,150x60 begin 4/1/2026 100% plan
paid in $1,150
last claim 4-1

RESOLVED ISSUES:

- 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 - RESOLVED, PROVIDED POLICY EFFECTIVE UNTIL 4/26/2027
Email InquiryRequest
Adjournment
5/6/2026 2:00 pm23-10799 / MBKAllen I. Gorski, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
5/6/2026 2:00 pm23-17250 / MBKJonathan Goldsmith Cohen, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
5/6/2026 2:00 pm25-17710 / MBKJay A. Weinberg, Esq.Motion CompensationNo Opposition Filed
Email InquiryRequest
Adjournment
5/6/2026 2:00 pm25-18708 / MBKJustin M. Gillman, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
5/6/2026 2:00 pm26-10016 / MBKRobert Cameron Legg, Esq.Motion CompensationNo Opposition Filed
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes