ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Christine M. Gravelle

Hearing Date: 8/5/2026
Last Updated: 7/29/2026 5:51 PM
Type an attorney name, case number, or disposition in the box below to filter results.
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am18-35075 / CMGCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN TO EXPUNGE SUNTRUST #1-1
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am21-17341 / CMGSteven J. Abelson, Esq.Motion Relief from Stay (Fee)No Opposition FiledALLY CAPITAL (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am22-12972 / CMGMitchell Lee Chambers, Jr., Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>WELLS FARGO BANK (BROCK)

Tr wants cert as to where funds came from
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am23-14191 / CMGKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS; PYMT NEED TO BE ADJUSTED DUE TO NTC OF MTN PYMT CHANGE
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am23-14805 / CMGPeter J. Broege, Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)Recommend GrantingPROPERTY #4

case confirmed at 100%
realtor retained

plan will be paid off from sale proceeds
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am23-14805 / CMGPeter J. Broege, Esq.Motion Motion (Generic) - Only use if no other event is applicableRecommend GrantingMTN CON'T ADMIN OF CASE
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am23-18551 / CMGDavid G. Beslow, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objectionsadj 8/5/peremptory
MP on 8/5/26

MP filed 6/1/26- no amended sch I & J or proof of income provided and yet the reason for the MP is a substantial change of income






Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am23-18624 / CMGBrian S. Thomas, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>FAY SERVICING (KNUCKLES)

debtor says working on resolving
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am23-21369 / CMGDarin D. Pinto, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am24-12388 / CMGFrancis P. Cullari, Esq.Motion Relief from Stay (Fee)No Opposition FiledALLY CAPITAL (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am24-13206 / CMGRobert Cameron Legg, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsLM but payments on it were rejected- servicer transfer- no payments accepted on LM 12 mos arrears creditor says 50,000 arrears - so needs to be 60 mos plan

creditor agreed to the LM debtor had in defense of motion- but need payment on LM that were returned to debtor


Debtor obj<>AMIP MGMT/WILMINGTON SAVINGS (FRIEDMAN)

MK: Debtor says made the 3 trial loan payments and there is a LM in place w/prior servicer

Conf on MP 7/15
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am24-13206 / CMGRobert Cameron Legg, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> FLAGSHIP CREDIT ACCEPTANCE/Chevy Eisenberg Gold)

conf on MP 7/15

will put arrears in plan
Email InquiryMatter ResolvedRequest
Adjournment
328/5/2026 9:00 am24-13206 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objectionsamt: MP 8/5<<>>

Debtor obj<>ARREARS 1,952.10 as of 6/12/26.



Conf. on MP 7/15<
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am24-13922 / CMGRobert Cameron Legg, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am24-14858 / CMGScott D. Sherman, Esq.Motion Approve Compromise or Settlement Under Rule 9019No Opposition FiledMotion Approve Compromise or Settlement Under Rule 9019

>>Mk sent email to atty to request payoff so only the funds needed to pay 100% should be sent to the Trustee.


MK: Plan confirmed at 100% and will be sufficient funds for proceeds to pay off plan at 100%
- Special Counsel retained
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am24-15636 / CMGJeanie D. Wiesner, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>ROCKET MTG (HLADIK)

adj to 8/5/26:The Debtor is listing the property for sale and needs time to hire a realtor and prepare listing agreement.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am24-17222 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledFAILED TO SELL BY 6/30/26; ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am24-18161 / CMGMelinda D. Middlebrooks, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> NISSAN (sTEWART)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am24-18668 / CMGJonathan Stone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyMoot - Converted to 7 / 11PLAN WAS DENEID ON 6/24/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am24-19129 / CMGAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj, applied for LM<>SV/SELENE

debtor says waiting for decision on LM then will move to reinstate stay

5/1/26:DEbtor in trial LM 3 payments due 5/,6/1 and 7/1
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am24-22348 / CMGLee M. Perlman, Esq.Motion Relief from Stay (Fee)WithdrawnLAKEVIEW LOAN (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am24-22348 / CMGLee M. Perlman, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objectionsamt: trustee conduit request<>

Debtor obj<>LAKEVIEW LOAN (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
498/5/2026 9:00 am25-10167 / CMGFrederick J. Simon, Esq.Motion Relief from Co-Debtor StayNo Opposition Filed7/28/26(mk): Order submitted- outside cure by 7/31/26



CARRINGTON MTG (HILL WALLACK)

parties working on resolving
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-10260 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)No Opposition FiledCAPITAL ONE AUTO (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-10399 / CMGJeanie D. Wiesner, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>TRYSTONE CAPITAL/TAXES (ANTHONY VELASQUEZ)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-12256 / CMGScott E. Kaplan, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: 7/13 LTR FROM PI COUNSEL; FUNDS MAILED TO TN<>

Debtor obj<>ARREARS; FAILED TO MAKE PLAN PAYMENTS AND FAILED TO TURN OVER $24,539.56 N/E SETTLEMENT PROCEEDS WITHIN 30 DAYS OF 2/20/26 ORDER #48


mk : debtor says;Proceeds will be disbursed to TR shortly and debtor will be making payments
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-12687 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objectionsamt: MP #66 is the latest plan (mk) 8/5<>

MP on 6/24 ** plan denied**<>MP FILED AND ON FOR 8/5/26

Debtor obj<>FAILED TO SELL BY 3/1/26
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-12687 / CMGDaniel E. Straffi, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objectionsmk home listed on MLS



adjourned to 7/15 : creditor wants more payments to post


AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> FREEDOM MTG ( Brock & Scott)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-13866 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-13866 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>NISSAN (STEWART)

2020 Nissan

Tr motion 8/5
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-14362 / CMGPRO SEMotion Dismiss CaseNo Opposition Filedhouse should have sold on 7/15


mk adj 1 final time to 8/5 to allow sale to close

adj to 7/15/26 and mk to send debtor form of sale order and application for shortened time for new sale motion to be heard 7/15/26


as of 6/23/26(mk) - DEBTRO HAS NEW K OF SALE AT $430,000 nO ORDER FOR SALE - SHE EMAILED COURT ,TR AND CREDIOTR A COPY OF THE MOTION- NOT THE PROPER FORMAT

5/4/26(mk) Creditor letter to CT says sale fell though and will be pushing for dismissal- debtor says sale did fall though due to inspection report



MK :sale motion granted 4/22- debtor needed to submit the proper form of order which was sent to her


CREDITOR ,SRB FAMILY TRUST MTN TO DISMISS (hoenig & Greenberg)

>>SALE MOTION ON 4/22/26 . debtor needs TR payoff letter



1/28/26(mk) sent atty email about this hearing and debtor required to file a response to motion and have filed realtor retention papers

2/5/26(mk) debtor sent email and uploaded appl for retention of realtor and listing agreement and Opp'n to this motion. TOLD HER MUST BE FILED WITH CT.
She also said sent her opp'n the the motion to Dismiss to atty Greenberg

There is non exempt equity in the real property of $$230,162 and the plan is 100% - has creditor to be paid from sale and 100% GUC claim total $19,464.41
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-14488 / CMGRussell L. Low, Esq.Motion Relief from Stay (Fee)Order Previously Submittedorder submitted


Debtor obj<>WELLS FARGO BANK (LOGS)

Mk working on consent order. 8/5 peremptory
Email InquiryMatter ResolvedRequest
Adjournment
418/5/2026 9:00 am25-15067 / CMGHerbert B. Raymond, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsInterium order submitted 7/27 and makes a next hearing date of 8/5


6/24/26:creditor wants interim order calling for a total cure by a date in July

AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> US BANK (Friedman Vartolo)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-15260 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objectionsamt; trustee conduit request<>

Debtor obj<>LAKEVIEW LOAN (STERN LAVINTHAL)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-15950 / CMGAndre L. Kydala, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsMP on8/5/26

Debtor obj<>ARREARS; PRE CONF CERT NOT FILED WITHIN 7 DAYS OF 2/18/26 CONF

MK arrears 3,600 last pay May
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-16369 / CMGDarren M. Baldo, Esq.Motion for waiver of credit counselingNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-16735 / CMGCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
8/26/2026 9:00 am
Debtor obj<>FAILED TO SELL BY 5/15/26

Motion to disburse exempt funds on 8/26
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-17115 / CMGJames J. Cerbone, Esq.Motion Relief from Stay (Fee)No Opposition FiledWESTLAKE SERVICES (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-17277 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsMP on 8/5/26


MP on 4/1>was plan denied


Debtor obj<>PLAN DENIED AND FAILED TO FILE MP IN 14 DAYS

debtor in trial LM- filing a MP

debtor in a trial LM last pay due 7/1 creditor cert adj to July




Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-17329 / CMGLaurence R. Sheller, Esq.Motion Relief from Stay (Fee)Continued
10/7/2026 9:00 am
time for debtro to pay in full


Debtor obj<>FIRST FINC FEDERAL CRED UNION (McKENNA)

mk debtor says working on resolving- last 2 payments on the car are due
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-17706 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order Previously Submitted7/29/26: order submitted pay post pet arrears of 8,611.71 thru plan


Debtor obj<>WELLS FARGO BANK (LOGS)

6/18/26(mk) working on CO
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-17716 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections7/23/26(mk) Need Status


6/23(mk) creditor needs to check on payment-adj 30 days


AMT; TRUSTEE CONDUIT REQUEST<>

Debtor obj<>THE BANK OF NEW YORK MELLON (STERN & EISENBERG)

6/22/26(mk) CREDITOR EMAIL S. KELLY- AGREES TO CONDUIT
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-17716 / CMGCandyce I. Smith-Sklar, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition FiledLOSS MIT
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-18540 / CMGAndrew Thomas Archer, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objectionsamt: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> CARRINGTON MTG (Friedman Vartolo)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-18802 / CMGMark N. Glyptis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledSV/DEUTSCHE; ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-19163 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>ARREARS; FEASIBILITY DUE TO ORDERS ADDING PP CLAIMS
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-19166 / CMGAndrew G. Greenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsLoss mit granted to 7/21/26

Debtor obj<>FAILED TO LM BY 3/1/26

debtor says has completed application to Rushmore Servicing requesting a loan modification and have not received a response. As a result, my attorney is in the process of filing a motion to participate in the bankruptcy court's loss mitigation program on the court's portal to extend the deadline to obtain a loan modification.

MOTION TO PARTICIPATE IN LOSS MIT ON FOR 4/22/26
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-19226 / CMGPeter E. Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj, Bank of NJ response (Padgett)<>FAILED TO SELL BITTERSWEET RD PPTY BY 6/3/26

MK: SALE MOTION ON 8/5/26
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-19226 / CMGPeter E. Zimnis, Esq.Motion SellNeeds Resolution of Issues - ObjectionsTrustee limited obj; Bank of NY response (Padgett)<>MOTION TO SELL #16




MK Plan confirmed at Base 6,000 NE proceeds from sale

first sale fell thru this is second K

Trustee objection:
plan confirmed at a Base - unless paid at 100% MP has to be filed to continue payments as plan has only run 10 mos

Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-19240 / CMGDavid G. Beslow, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledSELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-19243 / CMGWilliam S. Wolfson, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
8/26/2026 9:00 am
MTN FOR PARTIAL DISALLOWANCE OF CITIZENS BANK
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-19493 / CMGDennis M. Mahoney, Esq.Motion Relief from Stay (Fee)No Opposition FiledBRIDGECREST ACCEPTANCE (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-19575 / CMGEric J. Clayman, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>HYUNDAI CAPITAL (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-20060 / CMGLee M. Perlman, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>SELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-20333 / CMGGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)Order Previously Submittedcreditor order submitted outside cure for 5,427 first motion last case - different counsel no motion filed case was dismissed before conf. NO CONDUIT THIS TIME


amt: trustee conduit request<>

Debtor obj<>DEUTSCHE BANK (LOGS)

late opp'n by debtor- parties working on a consent order and request adj

MK creditor neds more time - service transfer- working on CO adj to 8/5
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-20564 / CMGCandyce I. Smith-Sklar, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNeeds Resolution of Issues - ObjectionsInterim order to extend stay to 8/5/26

LM package is under review- debtor just wants time for lender to make a decision on the LM


order#39 extends loss mit to 6/24/26

mk 5/15/26 Interim Order for Loss mit to 6/24 was submitted

5/13:LM application by friday- thru portal next hearing 6/24- DEBTOR HAS COMPLIED W/ INTERIM ORDER AND A COMPLETED PACKAGE WAS SUBMITTED


Atty wants to adj to resolve- told her Marked Resolve or hold

U.S. Bank obj (RAS)<>DEBTOR'S REQUEST FOR LOSS MIT/

CREDITOR SAYS: 7th Lm application
Debtor has a prior loan modification agreement with Secured Creditor or its predecessor in interest. Since 2022 the debtor has failed no less than 6 loan modification applications. Debtor's prior failures to obtain a loan modification, again on 6 separate occasions, raise
substantial concerns that the debtor is attempting to abuse the court's loss mitigation program. Secured Creditor submits that this is not a good faith use of the loss mitigation program.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-21429 / CMGJustin M. Gillman, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledSN SERVICING (FRIEDMAN)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-21441 / CMGGeorge E. Veitengruber, III, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledTHE BANK OF NEW YORK MELLON (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-22303 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj, in trial lm<>FAILED TO LM BY 5/19/26; ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-22407 / CMGRobert H. Johnson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>ARREARS; FAILED TO FILE PRE CONF CERT BY 4/8/26; FAILED TO PAY $25,000 LUMP SUM WITHIN 7 DAYS OF 4/1/26 CONF
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-22961 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>SELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am25-23221 / CMGSteven J. Abelson, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN EXPUNGE POC STATE OF NJ
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-10047 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>PNC BANK (LOGS)

mk: oop'n says contesting debt under ST. law and is filing a lawsuit in ST CT. to determine liability. IS agreeing to relief on the condition that the claim be put on reserve till outcome of lawsuit ....
debtro has requested proof of records but says they can't seem to go back further than 7 years.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-10047 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>SELENE FINC (RAS)

mk Debtor says made payment of 17,200- WHERE DI THOSE FUNDS COME FROM??
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-10415 / CMGEugene D. Roth, Esq.Motion Relief from Stay (Fee)No Opposition FiledEXETER FINC (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-11179 / CMGGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>SELENE FINC (RAS)

mk Debtor says made payments
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-11227 / CMGRoger J. Yehl, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order Previously Submittedrevised order submitted 7/21/26



mk : case was dismissed for failure to make Trustee payments

atty has the payments
341 was held
revised order and make conf 9/16
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-11748 / CMGStephanie Shreter, Esq.Motion File Claim After Claims Bar DateNo Opposition FiledMTN FILE LATE POC/NJ EMERGENCY RESCUE EMERGENCY ASSIS PROGRAM


mk: Motion says debtor rec'd assistance and noting due on claim its just a lien on the real property
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-12188 / CMGPeter E. Zimnis, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - ObjectionsLVNV response (McCalla)<>MTN EXPUNGE CLM#25 LVNV Funding- unsecured
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-12639 / CMGNicholas Fitzgerald, Esq.Motion Relief from Stay (Fee)Order Previously Submitted7/20/26(mk) Order submitted and debtor has to sell by 10/31/26 Debtor to pay post pet to creditor pending sale


Debtor obj<>SN SERVICING (FRIEDMAN)




Mk: debtor filed application to retain realtor- debtor to sell his home
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-12639 / CMGNicholas Fitzgerald, Esq.Motion SellNeeds Resolution of Issues - ObjectionsUS Bank limited obj<>MOTION TO SELL#30



mk: CASE PPSED AT 100%

TR Objection: GUC CLAIMS total 30,220.33 proceeds will not pay off plan so will need a MP to continue paying till paid at 100%

MK amt of exemption in order(31,575) does not match the amended sch C
of 30,070

appl to retain closing atty filed
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-12701 / CMGEdward Nathan Vaisman, Esq.Motion Relief from Stay (Fee)No Opposition FiledALLIANT CREDIT UNION (KML)(2nd Mtg - HELOC) on #373
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-12893 / CMGKevin C. Fayette, Esq.Motion Relief from Stay (Fee)No Opposition FiledSELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-12942 / CMGGeorge E. Veitengruber, III, Esq.Motion Approval to Participate in the Court's Loss Mitigation ProgramNo Opposition FiledLOSS MIT/NEW REZ
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-13232 / CMGDavid G. Beslow, Esq.Motion Relief from Stay (Fee)No Opposition FiledLOANDEPOT.COM (FRENKEL)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-13374 / CMGMitchell Lee Chambers, Jr., Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)No Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-13495 / CMGFilipe Pedroso, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledFREEDOM MTG (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-13852 / CMGDonald C. Goins, Esq.Motion Relief from Stay (Fee)No Opposition FiledUMB BANK NAT'L ASSOC (ROMANO)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-13989 / CMGKirsten B. Ennis, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - ObjectionsTAX RETRUNS SUBMITTED

MK: this was adj from 6/24for atty to get the info below. As of 7/8/26 we do not have it.

341 dox in - needs a 341 date and need payment for May and June
2 payments due but>>> NO PLAN FILED AND NOT INCLUDED IN MOTION PAPERS. MK still don't see a plan



mk: TR obj: Certification is /s by a person other than the debtor


MK amended cert of debtor filed at #16- atty filed it a an amended motion....
ATTY FILED AN AMENDED MOTION AT #16
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-14760 / CMGLee M. Perlman, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
8/26/2026 9:00 am
MTN EXPUNGE DEPT OF TREASURY-IRS

mk check service
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-15040 / CMGPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledSV/US BANK; FAILED TO FILE PLAN & SCHEDULES; NO PYMTS MADE TO TRUSTEE
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-15921 / CMGRobert C. Nisenson, Esq.Motion Reinstate StayNo Opposition FiledMTN TO REINSTATE CASE
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-16250 / CMGPRO SEMotion Relief from Stay (Fee)Moot - DismissedSELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-17660 / CMGYakov Rudikh, Esq.Order Shorten TimeNeeds Resolution of Issues - ObjectionsBridge order to 8/5


>>OST> for last hearing on 7/15/26>

MTN TO IMPOSE STAY

Plan and sch filed
some 341 dox as of 7/14/26 - Missing dox including no proof of home insurance
first payment due in August

4th Ch 13 in 5 yrs
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-17685 / CMGRobert Cameron Legg, Esq.Motion Extend TimeNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-17726 / CMGJames J. Cerbone, Esq.Motion Impose Automatic StayNo Opposition FiledMTN IMPOSE STAY
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:00 am26-18161 / CMGCarlos D. Martinez, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections>.OST>>

MTN EXT STAY

purpose is to stop foreclosure, and cure arrears to mtg co.

as of 7/21 No plan filed and missing schs.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 9:45 am26-13938 / MEHDavid G. Beslow, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
MOVED CONF TO 8/5 EDC
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am23-10192 / CMGPaul H. Young, Esq.Confirmation Hearing on Modified PlanPlan DeniedDebtor has made 40 of 42 required payments   Arrears: $0
mp in 14 days
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am23-18551 / CMGDavid G. Beslow, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 6 of 34 required payments   Arrears: $7,568.00
updated 7/13/2026 - per MK peremptory adjourn to 8/5 - to resolve outstanding issues
issues as of 7/6/2026 (JMA)
-REVIEW AMENDED SCHEDULES

1) Trustee objection to confirmation of modified plan - NEED TO RESOLVE
- The debtors have failed to provide amended Schedules I & J.
- The debtors have failed to provide Proof of Income.
- The debtors have failed to provide Current proof of income.
- along with proof of current income uploaded to 13 docs.
2) Need proof of name change and amended vol petition
3) Debtor original plan proposed payment of $250x26, $1,200x10 begin 10/2023 base plan. Debtor never made the higher tier payments.
4) Need to provide Amended Schedules I and J and current proof of income for both debtors.
5) Need to provide 2025 tax return.
6) Payment reduced from 1,200 to 250 Obj filed 6/27/26. These debtor have never paid the higher amt of 1200 since the second tier began in 12/2025

proposed plan $6,989 paid to date, $250x7 begin 6/6/2026 base plan
paid to date $6,989
arrears $7,818



Email InquiryMatter ResolvedRequest
Adjournment
1278/5/2026 10:00 am24-13206 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 28 required payments   Arrears: $17,113.00
As of 7/8/26 (DS): 1. Plan has Flagship owed $7,017.66 post-petition arrears, need order on Cert of default to date no amount set. Creditor cert of default sched 7/15.

2. Case needs to run 36 months, plan is reducing to 6 months, must remain at 8 months left.
AR OK IF CALC AT 100 %

MP Prop $1,356 x 6 begin 6/1/26; 100%
- Adds post-petition arrears owed to Flagship and additional attorney fees.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am25-10052 / CMGRobert Cameron Legg, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 10 of 18 required payments   Arrears: $3,230.00
mk see conduit order at #69


7/9 amt: conduit order to chambers/7 day<>


MP proposes:$3050 X 9; $3230 X 1; $3424 X 50; $0
ADDING POST-PET MTG ARRS TO BE ADDED TO PLAN

-------------------------------------------------------------

EMAIL FROM DEBTOR ATTY WOULD LIKE TO ACCEPT CONDUIT

6/17/26(mk) IF THE CREDITOR CERT OF DEFAULT IS TO BE RESOLVED BY CONDUIT ORDER THEN THIS CONF NEEDS TO BE ADJ TO THAT THE NUMBERS IN THE ORDEER MATCH UP WITH THE PLAN.

CASE HISTORY- IS CONDUIT EVEN FEASIBLE?

 No mtg pymt since 1/2020 = $155,000 pre pet arrearage
 Conf'd 5/2025
 Trustee Recap (plan arrearage) in 10/2025
 Mfr order 11/2025 adding $9,000 pp arrearage
 Dismissed at MP 2/2026 for plan arrears
 Dismissal vacated 4/2026
 Cred def cert filed 5/2026 - $12,000 pp arrearage
 Now 3 mo arrearage - no pymts since dismissal was vacated
 Prior BK dismissed for pymts...




6/3 AMT: TRUSTEE CONDUIT REQUEST<>

need conduit numbers on crediotr cert then work up

6/1/26(mk) email from Creditor atty- needs to confirm that mid first will consent to rolling in and making it conduit payments. debtor atty ok to Tr rec. if all agree


As of 5/27/26(mk): Updated

ON 5/26/26 A CREDITOR'S(MIDFISRT BANK)FILED A CERT OF DEFAULT 11,883.38 IN POST PETITION- CANNOT BE CONFIRMED WITHOUT RESOLUTION OF THIS ISSUE Obj deadline is 6/9

mk: before the creditor cert of default was filed these were terms:
**NEEDS TO CONFIRM AT $32,176 PTD Then $3,596 x 44 Begin 6/1/26 0%. Must file an application for supp. fees w/ in 7 days of confirmation.**



Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am25-12687 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 15 of 16 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am25-15950 / CMGAndre L. Kydala, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 10 required payments   Arrears: $4,400.00
AS OF 7/29/2026 (at):

1. Need updated proof of income.

2. Need 2025 tax return.

3. Need proof of rent.

4. Excessive expenses on Schedule J:
- $550/month for food for one
- $150/month for clothing
- $550/month for transportation
- $200/month for entertainment

MP proposes: $150 x 60, base
Arrears: $4,400
(Debtor now has to pay rent)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am25-17277 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 10 of 12 required payments   Arrears: $2,328.00
CREDITOR CERT OF DEFAULT (Loan Depot- K. Wilson) on for 8/26/26

AS of 7/27/26(mk)
loan mod by 8-1
no pay arrears
work up on plan #47:


Case is 12 mos old. was originally a LM when first filed then a cure and Now a LM plan again. 2 prior plans both denied. The cram has been an issue from the beginning and still not resolved

10/12 payments ARREARS 2,328


1. Objection by Santander(B. Craig:
-objects to cram


Plan: $4880 PTD; $600 X 50; LM 8/2026 (17 DEER RUN DR); BASE
10/12 payments ARREARS 2,328

-----------------------RESOLVED----------------------------
FYI Order submitted resolving Loan Depot objection to Confirmation TERMS= pay POC #8 arrears of 41,740.27 VIA A LM by 8/1/26 and pay reg mtg payments directly to creditor
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am25-17716 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 9 of 12 required payments   Arrears: $2,326.00
As of 7/28/26(mk):ARRREARS 2,326

work up on plan #67

TR HAS REQUESTED CONDUIT ON THE MFR( Bank of NY Mellon- S. Kelly)
>Motion on 8/5 to participate in Loss Mit.

1. Trustee Objection:
- Debtor not current
- this mp has avoid Lien of MJ Manufacturer on a 2028 Suzzuki- no secured claim filed by them - only an unsecured claim #3-1 for auto insurance??- is this the same thing
- atty fees 2500 in MP - - need suppl fee appl.


MP proposes:$935 X 11; $1000 X 6; $1100 X 43; BASE. LM by 12/31/26- pay pending LM
ARRREARS 2,326 no payments for June or July

Plan has run 12 ms and 48 remain

----------------------------------------
no updated pay information was provided UPDATED POI FOR JOB PENSION AND INCOME PROVIDED
Prior conf:$9122.50 PTD (9 MOS0 $1163 X 51 BEG 5/1/26 ; BASE $68,435.50; ATTY FEE $2500/$3837 ; STRIKE SECTION 7(a) IN REFERENCE TO REAL TIME RESOLUTIONS, CLAIM SHALL BE TREATED O/S PER CONS ORDER FILED 4/22/26.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am25-18853 / CMGCarlos D. Martinez, Esq.Confirmation Hearing ScheduledContinued
8/26/2026 10:00 am
Debtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am25-20564 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 9 required payments   Arrears: $1,400.00
As of 7/28/26(mk):

--NEED STATUS OF LM

>>Case is 9 mos old arrears 1,400

>>INTERIM ORDER(#39) FOR LOSS MIT- HAS UNTIL 8/5/26 UNLESS FURTHER EXTENDED BY THE COURT

Work up on plan #24 We are in month 9 as of July so the payment is supposed to be 1300 beginning in June- no payment was made in June and In July the old amount of $700 was made

1.Objection by US Bank(RAS):
- plan has cure by LM - no LM offered or approved and plan does not proposes monthly payments pending LM.
Debtor already modified the loan once now seeks to do it again- debtor cannot afford the property.

2.. Trustee objection:
- disposable income now is $2,192 p/m
- no Loss Mit application( Request to participate in Loss mit on 8/5/26- CONTESTED


Plan:$700 X 7; $1300 X 53; LM 5/2026; BASE
arrears 1,400
Email InquiryMatter ResolvedRequest
Adjournment
978/5/2026 10:00 am25-22122 / CMGAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 8 required payments   Arrears: $600.00
6/25/26 updated pay stubs provided. Need to review

/peremptory 8/5- confirm or D


AR RESOLVE OR HOLD
AS OF 6/17/26 (SF)

1. Objection filed by NewRez/Shellpoint (Stewart) - failure to pay arrears of $23,406.25

2. Objection filed by Newrez/Shellpoint (Holdren) - treatment of claim is unclear. The plan proposes to pay in full and also cure arrears of $16,200 (Arrears claim filed for $771.59)

3. Westlake Services LLC filed arrears claim for $20. This creditor is not treated in the plan (OK TO PAY?)

4. Trustee objection:

- The debtor has failed to file the required Pre-Confirmation Certification (STILL NEED)

- Need a copy of the last filed tax return - 2025 return (RECEIVED. TAX REFUND IS $4681. NET DISPOSABLE INCOME IS NOW $882)

- 0nly provided 1 paystub for debtor dated 1/2/2026 - need additional paystubs

-There is $10,025 non exempt equity in real property
Mortgage co filed arrears claim for 23,406.25. Plan has unaffected
(NONEXEMPT EQUITY IS NOW $117. THERE IS REALLY NO EQUITY BUT ATTORNEY USED WRONG AMOUNT FOR D(1) EXEMPTION- USED $27,900 BUT DEBTOR IS ALLOWED $31,575)




Plan proposes $300 x 60 Base
Payments: 5/7 Arrears: $600

Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am25-22532 / CMGJeffrey E. Jenkins, Esq.Confirmation Hearing ScheduledMoot - DismissedDebtor has made 4 of 8 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am25-22746 / CMGMelinda D. Middlebrooks, Esq.Confirmation Hearing ScheduledContinued
9/16/2026 10:00 am
Debtor has made 7 of 7 required payments   Arrears: $0
As of 7/28 /26 (mk); email to atty-

ADV PRO PRETRIAL FOR 7/7/26 MEDIATION adj to 8/4/26 @3:00PM

case is 6 mos old

>>THERE ARE 4 CLAIMS FILED IN THIS CASE: 2 secured mtg claims- only 1 has arrears and 2 unsecured claims one of which is the subject of an ADV PRO


Supp obj: filed 4/23/26Need current statement for Merrilll Edge acct and Dec and Jan BOA 6188

ADV Pro is Rec'r action

1. Mark Dattore-POC unsecure (JOSEPH ZAPATA) obj to Debtor being fraudulent. Must resolve obj. Adv proceeding also filed.

2. Trustee obj to the following:
- Must provide valuations for the (3) businesses listed on Schedule B, not Profit & Loss statements. LEMMING INVESTMENTS IS A REAL PROPERTY INVESTMENT, SCHED A HAS $0 VALUE, ZILLOW VALUES $245,300, NO DOCS PROVIDED. MUST PROVIDE, CMA, DEED, MORTGAGE AND HOMEOWNER INSURANCE WITH PERSONAL LIABILITY COVERAGE.

(debtor transferred Travis property from his own name to Lemming Investments LLC 1/16/25 for 1 dollar and then filed this petition on 12/1/25)

The Family LLC was formed to take care of parents Retirement home (22 K Way)for management of repairs and future rentals according to the Business forms submitted in June 2026

Prop Plan $920 x 60 begin 1/1/26; Base
7/7 payments


------------------RESOLVED---------------------------------
- There is non-exempt equity $16,095 in the residence, $9,500 in 2019 Honda.
Amended sch A/B and SOFA filed 4/23/26- Lemming Investments 51% interest in LLC
Have home insurance and car updated insurance exp 10/15/26
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am25-23221 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 7 required payments   Arrears: $0
Peremptory

motion vs. St Of NJ- on 8/5/26- NEEDS RESULT

case is 7 mos old

AS of 6/23/26(mk):Updated

1. STILL ESTIMATED NJ TAX CLAIM- THERE IS STILL A PORTION IN THE SECURED SECTION THAT IS ESTIMATED FOR $2,500 SEE LAST PAGE OF THE SECURED LIABILITES BEFORE YOU GET TO THE PRIORITY SECTION OF THE CLAIM

2. Trustee objection:
STILL NEED AMENDED SCHEDULE C
- Need Amendments to Schedules A/B and C to add value of 2017 Ford, car is not leased, but financed per POC car is valued $32,750. arrears $1,597.94
- There is estimated to be non-exempt equity in the 2017 Ford $11,656, pending amended Sched A/B and C and there is non-exempt equity in the 2021 Honda $1,232. Total 12,888

Plan: $695 x 60 begin 1/1/26; Base
7/7payments



------RESOLVED-------------
. Plan has Truist Bank as unaffected on Honda- ARREARS POC FOR $1,529.49- OK TO PAY? per atty yes pay per atty ok to pay
. Wells Fargo- On Ford Truck F150- filed arrears claim $1597.94- Plan has lease BUT NOT A LEASE ---but financed, per docs attached to claim.
per atty ok to pay
- Need Copy of 2025 tax return. PROVIDED
-Must file pre conf cert. FILED
- Need Proof of 2 month's income - proof of unemployment (temporary) and proof of income from new job that starts in April. PROVIDED; NOW DISPO INCOME $614 P/M
- Debtor to provide certification regarding the the closing of Lunchbox 9 and the opening of
Lunchbox LLC by his wife at the same location. CERT PROVIDED
- Need Business forms: for Lunchbox Waretown LLC. PROVIDED P & L but not questionaire CERT OF DEBTOR PROVIDED THE BUSINESS WAS CLOSED EARLY 2025-
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am25-23652 / CMGRichard F. Fried, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 5 of 7 required payments   Arrears: $0
As of 7/27/26(mk):

CASE IS 7 MOS

Work up on plan #16 MP BEFORE CONF

**CAN REC CONFIRM AT 1,306 Then $706 x 51 Begin 8/1/26 Base.
Trustee is authorized to pay claim #8-1of the INTERNAL REVENUE SERVICE for both the priority portion of the claim of 14,025 and secured portion of $18,595.32.
Trustee is authorized to pay arrears claim #3-1 of AMERICAN CREDIT ACCEPTANCE in the amount of 493.30 through the plan.
plan extended to total 58 mos**


Plan:$260.08 X 31; BASE
----------------------RESOLVED--------------------------
- plan fails to address IRS priority claim for 14,025.25 and secured portion of 18,595.32
and secure claim for 18,595.32-OK TO PAY
- plan fails to address arrears claim #3-1 of American Credit Acceptance for $493.30- OK TO PAY
-failed to file pre conf cert. Filed

- plan fails to address IRS priority claim for $14,025.25 and secure claim for 18,595.32-OK TO PAY
- plan fails to address arrears claim #3-1 of American Credit Acceptance for $493.30- OK TO PAY
-failed to file pre conf cert. Filed

>>>debtor must make a July payment of 703 to show feasibility and then I will work up for 7/15 payment made


Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am25-23729 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 7 of 7 required payments   Arrears: $0
AS of 7/28/26(mk):

>>Case will be 8 mos old as of August- issues not resolved


1. Trustee objection:
- Tax claims much higher

- debtors not paying all disposable income into plan. Verified income leaves monthly disposable income of $3,804.54 which is higher than scheduled.

- Need proof of service on the IRS. NOT PROPER SERVICE ON THE IRS. failed to serve United States atty general and US Atty- FILED AN AMNEDED CERT OF SERVICE this should really be don by a separate motion.

-Non-exempt equity, if any, from 9/11 Victim's compensation case are to be turned over to the trustee.

2. NJ Division of Taxation priority claim ESTIMATED for 2024 and 2025 taxes -

3. NJ Division of Taxation secured claim not listed in PLAN $8,849.94 - OK TO PAY?

4. Toyota Lease Trust (2025 Toyota Prius lease) filed claim shows arrears of $453.08 -OK TO PAY?

5. Santander Consumer USA Inc- LATE FILED CLAIM, with arrears of $1,461.09 -OK TO PAY?

Plan $1,000 x 60 Base
7/7 payments

--------------------RESOLVED--------------------
>MFR on 6/24 for 2022 Jeep and they filed a late claim
GRANTED - lease rejected

- Attorney's fees in the plan ($1,250) and the disclosure statement do not agree. Disclosure states that $1,250 will not be paid through the plan. One of these must be amended. disclosure needs to be amended to say balance paid through the plan. AMENDED DISCLOSIURE FILED

pre conf cert filed
- Need December bank statement for Affinity accounts. RESOLVED, RECEIVED
- excessive expense items, PROOFS PROVIDED $1,800/month for support/alimony (need copy of order); Need proof of expenses 10 days prior to confirmation.
- Domestic Support Obligation information Form and order for payment of support. DEBTOR PAYING $207X4.33= $896.31/MONTH CHILD SUPPORT (dox provided)
The Schedules fail to account for the debtor(s) tax refund in the amount of $17,049.00 when determining disposable income. ADDED IN
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am25-23741 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 8 of 7 required payments   Arrears: $1,857.00
MP in 14 days

As of 5/29/26 (DS):

1. Debtors made a payment of $5,000 5/28/26. They are in arrears $2,500 and now June payment will be due $2,500. How is Trustee to work up this case with 2 payments in arrears?

2. Plan is not feasible, proposing 100% total gucs filed $172,143.50, Debtors not current with payments. Trustee would require a payment of $5,045 for the remaining 54 months, disposable income verifies $2,045.

3. BELOW ISSUES REMAIN UNRESOLVED.

3/11/26 (DS): 1. Debtor in arrears $5,000, made 1 payment out of 3.
NOW 2/3

2. Trustee obj to the following:
- Must provide homeowner insurance with personal liability coverage for the Alabama property DOC PROVIDED HAS NO PERSONAL LIABILITY COVERAGE, ONLY DWELLING.
- Excessive expenses on Sched J: Water/sewer/garbage $450, Car payment $700 (Per POC car payment is $746.69) and real
estate taxes on Alabama property $37.50. Plan propose 100% may be moot.
- Must resolve The Bank of New York Mellon obj.

3. The Bank of NY Mellon (JOSHUA GOLDMAN) obj to arrears owed more, POC filed with arrears $37,865.29, plan has $23,449.
Must resolve obj. MK PER CREDITOR- OTBS- PAY CLAIM

4. Cavlalry SPV/Synchrony Bank/Walmart filed secured judgment lien for $1,396.56, needs to be paid or move against claim.

Prop Plan $2,500 x 60 begin 1/1/26; 100%
Note: Bank statements provided and there is no equity in bank accts. Bank statements from Navy FCU acct#070 & 246 showed acct has $5. Tax claim filed and deducted from the equity, which leaves no equity.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-11096 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 6 required payments   Arrears: $1,418.00
As of 7/27/26(mk) email to atty-ok to terms

**CAN REC CONFIRM AT $7,090 PTD Then $1,477 x 54 Begin 8/1/26 100%. Preserve equity T/H of $118,859.Trustee is authorized pay arrears claim #1-1 of ALLY CAPITAL in the amount of $89.85 through the plan**


plan $1,418 X 60 100%
5/6 payments


-----------RESOLVED---------------
- There is $118,859 in non exempt equity in the residence. PLAN IS 100%
failed to file the required Pre-Confirmation Certification .FILED
MRF was resolved w/ Order #27 that says pay all post pet arrears by 5/31/26 $7,441.88- WAS THIS PAID? per atty sent $ from his trust acct

Ally Capital file claim #1-1 for arrears of 89.85 on Honda. OK TO PAY? PER ATTY YES PAY

Trustee objection:
- The debtor has insufficient income. all most current




Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-11179 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $327.00
As of 7/28/26(mk)


MFR BY SELENE on 8/5/26- Need result

1. Exeter Finance filed a bifurcated claim which needs to be resolved. Plan has as unaffected the arrears are 1,075.82-ARE YOU GOING TO PAY ARREARS??


2.Trustee's objection:
- debtor has insufficient income. Plan is 100% but needs to get current


Plan proposes: $326 x 6 beginning 3/1/2026, $1,500 x 54, 100% plan
Payments:4/5

--------------------RESOLVED----------------------------
- The debtor must provide updated proof of auto insurance for the 2013 Acura . The policy provided expires on 5/20/26. (RECEIVED)
- There is $221,776 in non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)
- The IRS filed an estimated claim which needs to be amended. (NO LONGER ESTIMATED)
- 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)

Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-11316 / CMGPRO SEConfirmation Hearing ScheduledHold for JudgeDebtor has made 0 of 5 required payments   Arrears: $0
7/20/26(mk) sent email to N. Engel about case and hearing 8/5/26 at noon


6/24/26(Mk) Judge will review debtor's email attachments about mortgages CMG will adjourn to review dox


MK: found out through E courts and property record search that property was foreclosed upon and sold at sheriff sale . MTG owned by Secretary of United States Dept of Housing and Urban Development. There was a writ of ejectment filed. Writ of possession filed BY KLM 2/10/26. All of debtor's efforts to vacate the action and writ of possession were denied in the superior CT. BKCY uploaded to state Ct docket 2/11/26. Another Writ of Possession submitted by case management staff on 4/2/26

KLM law group on behalf of Sec of Housing and Dev ( atty Michael Mc Keever)

HUD FORECLOSURE COMMISSIONNER DEED DATED 3///14/2025 RECORDED IN MONMOUTH COUNTY ON 4/10/2025

As of 6/18/26(mk): emailed Matt F at KLM to see if he has any knowledge on this debtor as apparently she rec'd a Writ of execution/possession in Feb. and April of this year.


1. Trustee Objection:
-doc #31 letter from US Dept of Justice as counsel to the US Dept of Housing and Urban Development- not proper service of plan.

-no payments cased filed in Feb.

-no home insurance with personal liability coverage

- The debtor has failed to file a feasible plan - the plan provides no payments and no creditors
listed.

- need- A copy of the deed - with the recording information

- Amendments to Schedules Schedule C to provide exemptions of real property

-There is $102,395.81 non-exempt equity in house

-Need to amend Plan, specifically Part 5 treatment of Unsecured claims, left blank.

-Part 8a Vesting of Property of the Estate and Part 8c Order of Distribution.

-Part 10 of the plan makes no sense.

-needs a Modified plan that sets out who the Trustee is supposed to pay in this case .

-failed to file the required Pre-Confirmation Certification .


Plan: no payments proposed or plan duration part 10 a narrative that makes no sense
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-11371 / CMGAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 5 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
1588/5/2026 10:00 am26-11404 / CMGDavid Jerome Witherspoon, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 4 of 5 required payments   Arrears: $750.00
7/14/2026 (jma) PROVIDED VALUE OF 3 CARS: 2017 FORD FUSION $1,405 TRADE IN VALUE; 2011 HYUNDAI SONATA $600 TRADE IN VALUE; 2016 MAZDA CX-5 TRADE IN VALUE $1,685
-REVIEW AMENDED SCHEDULES

issues as of 7/8/2026 (JMA)

1) Freedom Mortgage Corporation (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- Creditor filed Proof of Claim with pre-petition arrears in the amount of $6,783.85
2) Capital One Auto Finance (Stewart Legal Group) objection to confirmation - NEED TO RESOLVE
- Creditor filed Proof of Claim 4-1 in the amount of $5,708.57 and arrears of $40 to be paid through plan.
3) 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 missing from 12/1/25 - 2/6/26. Docs provided were for check dates 8/1/25 & 8/15/25, 12/19/25 & 12/26/25 and 1/23/26 & 1/30/26. RESOLVED, PROVIDED
- A copy of the last filed tax return - for 2025 from Debtor and spouse. DEBTOR 2025 NO REFUND, SPOUSE ONLY INCOME IS MONTHLY PENSION, NO RETURN PROVIDED FOR 2025
- A copy of the homeowner's insurance renewal declaration expires 6/29/26.
- Valuation on all 3 vehicles and Wells Fargo checking acct statements from 1/17/26-2/7/26.
- A Modified Plan that corrects attorney fees owed per Disclosure Statement or amended the Attorney Disclosure Statement
- Amendments to Schedules B to amend the year of 2016 Ford to 2017 Ford and add Wells Fargo Bank checking acct.
- The debtor must provide proof of auto insurance for the 2016 Hyundai Sonata. RESOLVED, PROVIDED PROOF OF INSURANCE FOR 2011 HYUNDAI AND 2016 MAZDA GOOD THROUGH 3/13/2027
- The current Plan does not specify treatment of US Dept of HUD owed $33,095.68 and Capital One Auto (2017 Ford Fusion) arrears $40 under the 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 non-exempt
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-11596 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledMoot - DismissedDebtor has made 0 of 5 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-11741 / CMGBruce H. Levitt, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 4 of 5 required payments   Arrears: $0
As of 7/28/26 (mk).

Work up on MP #22- Both LMs have been granted so

** REC CONFIRM AT $1,400 PTD Then $400 x 55 Begin 8/1/26 Base**



Plan $200 x 3 begin 3/1/26; $400 x 57 begin 6/1/26; Base and Loan mod on Wellington Ct by 8/31/26
current


------------------------RESOLVED-------------------
- Must provide 2025 Tax return. PROVIDED
- Must file Pre-confirmation certification. FILED AmeriCredit-2021 Chevy (WILLIAM E. CRAIG) obj to creditor not in plan, POC filed no arrears owed. Must resolve obj. MOD PLAN NOW ADDS AS OUTSIDE, NO ARREARS OWED, OBJ SHOULD BE MOOT.

Loan mod with CRM Loan Trust granted 7/15/26 per docs attached to Motion to approve loan mod Loan mod agreement dated 4/27/26 was signed and acknowledged by bank 5/28/26.
CRM Loans (JOSHUA GOLDMAN) obj to plan silent as to treatment, arrears owed $7,660.71, POC filed arrears $8,064.95. Must resolve obj. LOAN MOD GRANTED 7/15/26. ARREARS CLAIM MUST BE AMENDED OR MUST MOVE AGAINST CLAIM WITHIN 30 DAYS FROM CONFIRMING ORDER- LM was granted

CrossCountry Mtg (MATTHEW FISSEL) obj to plan silent, arrears owed. POC filed with arrears $22,494.82. OBJ SETTLED 6/3/26 Debtro has LM on fisrt mtg
Note: IRS claim amended no longer estimated. Updated homeowner insurance provided 4/20/26.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-11748 / CMGStephanie Shreter, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 5 of 5 required payments   Arrears: $0
As of 7/29/26(mk):email to atty- MP in 14 days

The t/h equity in property is only 17,404- and this current plan is 100% for over 39,000 in guc claims . she does not have the $ for that so this plan is denied and MP in 14 days

atty filed claims motion on for 8/5- for claim that is lien on property but nothing due- on for 8/5

>>claims motion on 8/5 to allow claim of NJ Emergency Assistance- noting due on claim - it is a lien on the real property

Prop Plan $480 x 60 begin 3/1/26; 100%

-------------------------------
- Disposable income verifies $1,446, due to Schedule I failing to add tax refund. PLAN IS 100%
- There is $108,071 in non-exempt equity in the residence.
- Attorney's fees in plan $3,000 and Disclosure statement do not agree. Disclosure states that $3,000 will not be paid through plan. One of these must be amended. SEE DOC #19 at end is amended atty disclosure for fee thru the plan
- Must amend Sched C to take exemptions on personal property and Sched B to remove Chevy or must provide proof of auto insurance for the Chevy. FILED
- Must file Pre-confirmation certification. FILED
ORDER ON THIS FILED 7/7/26 PAYS ARREAS THRU PLAN
. Bar date has passed 4/28/26, no claim filed by USDA, plan propose to pay $9,500. PER SCHED D AND CREDITOR MATRIX THERE IS NO ADDRESS LISTED FOR USDA, WHICH MEANS THEY DID NOT RECEIVE PROPER SERVICE.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-12188 / CMGPeter E. Zimnis, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 5 required payments   Arrears: $700.00
As of 7/29/26(mk)

Motion to expunge claim #25 on 8/5/26-contested

1. Trustee obj:

2. NJ Housing & Mortgage (STUART WEST) obj to arrears owed are more, POC filed with arrears $9,765.13. Must resolve obj. OK TO PAY?

3. Plan propose to pay FIG 20 $1,000, no claim filed, bar date has passed 5/8/26. Recommend striking and not pay.

Prop Plan $200 x 1 begin 3/1/26; $500 x 59 begin 4/1/26; Dollar Base $35,131
3/5 payments
-----------------------------RESOLVED---------------------
>> motions to expunge claims #5,#6,#11,#23,#25( all unsecured claims) on for 7/15 all granted

-PLAN WILL BE 100%. There is non-exempt equity in the residence $34,023, total gucs filed $20,351.86. This will be less if motions to expunge guc claims are granted
TD Bank statements provided for Jan & Feb.
Email InquiryMatter ResolvedRequest
Adjournment
1218/5/2026 10:00 am26-12276 / CMGAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
FYI: see my notes in #1 and #2 debtor will be filing a MP to add the post pet arrears per order so this plan should be denied


AS OF 6/17/26 (SF)


1. Motion for Relief filed by Citizens Bank scheduled for 7/15 at 9 MK ;OTBS adds post pet 10,575.86 to plan and MP needed

2. Motion for Relief filed by Rocket Mortgage scheduled for 7/15 at 9 MK: Order submitted 7/16- adds 22,000 post pet to plan and must file a MP

3. State of NJ filed estimated priority and unsecured claim 9-2 (NEED AMENDED CLAIM)

4. IRS filed estimated unsecured claim 5-1 (NEED AMENDED CLAIM)

5. Objection filed by Citizens Bank (Lubin) - failure to pay arrears of $98,444.97 sale plan

6. Objection filed by Rocket Mortgage (Egerman) - failure to pay arrears of $179,472.71 and speculative mortgage

7. Trustee objection:

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

- Need a copy of the last filed tax return - 2025

- Amendments to Schedules I to include rental income.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$500/month for home maintenance
$1,700/month for estimated taxes
Need proof of expenses 10 days prior to confirmation.

- Verified income leaves monthly disposable income of $5,714.

- Reviewed the 22C, Line 5 (net income) should be $9,916 and contributions are not included
on the 22C. Use Schedules I and J which are accurate.

- There is $45,162 non-exempt equity in the Falson Lane property. (100% PLAN)
- There is $150,000 non-exempt equity in the business.
- There is $10,375 non-exempt equity in the bank accounts.



Plan proposes $500 x 60 100% Plan; Sale by 9/1/2026
Payments: 3/3

Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-12327 / CMGAndre L. Kydala, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 4 required payments   Arrears: $0
As of 7/27/26(mk);

IF OK TP PAY AREARS IN #1 Then to confirm

** NEEDS TO CONFIRM AT $2,400 PTD Then $705 x 56 begin 8/1/26 Base. Order resolving the objection of Deutche Bank to pay arrears claim to be submitted in 14 days**


1. Objection by Deutsche Bank (RASC)- OK TO PAY??
- fails to pay claim

2 Trustee objection:
- The debtor has insufficient income. Disposable income verifies negative $419.
- improper use of exemption. Specifically: Schedule C over exempts d(5), uses full d(1) can only use remainder d(5) $1,675.

proposed plan $600x60 base
4/4 payments

-----------------------------RESOLVED-----------------------------
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Auto insurance $350 (verifies $171). ADDED BACK IN

- The debtor has failed to file the required Pre-Confirmation Certification. FILED
- Need 2025 from Debtor and spouse. NO REFUND FOR DEBTOR OR SPOUSE
Email InquiryMatter ResolvedRequest
Adjournment
1238/5/2026 10:00 am26-12481 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 4 required payments   Arrears: $0
AS OF 6/18/26 (SF)


1. Moton for Relief by SunnyMeade Run, Landlord scheduled for 7/15/26 at 9

2. The plan proposes to pay $16,981.19 to Landlord, Sunnmeade Run. The bar date has expired and no claim filed. The Trustee will not pay if no claim filed.
MFR FILED (MUST RESOLVE)

3. Trustee objection:

-trustee to receive any non-exempt lawsuit proceeds from any lawsuits

-debtor to provide information on the inheritance of approximately $100,000 (2024) to trustee.

(Debtor provides Certification regarding funds Received in the amount of $142,519.70 from Estate. He was appointed Executor of the Estate on 7/8/19 but not sure when he received the funds. Our 341 notes state 2024. Funds were spent for bills. No proofs provided. Also need copy of settlement agreement as the estate was contested.



Plan proposes $300 x 6; $740 x 30 Base
Payments: 3/3

Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-12583 / CMGBrian F. O'Malley, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 4 required payments   Arrears: $0
As Of 7/22/26(mk):email to atty-ok to terms

**NEEDS TO CONFIRM AT $2,565 PTD Then $555 x 32 Begin 8/1/26 Base w/ min of $16,776 to unsecured creditors due to equity in personal property**



proposed plan $513x36 begin 4/1/2026 dollar base $16,776
5/4 payments


------------------------------RESOLVED---------------------:
Schedules fail to account for the debtor(s) tax refund in the amount of $1,198 when determining disposable income. ADDED IN
car insurance policy provided effective through 9/5/2026
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return - for 2025 - RESOLVED, PROVIDED NO REFUND
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED.
- Statements from OceanFirst Bank acct#1880 from 2/1/26-3/9/26, FedEx Employee Credit Assn acct#9001 from 1/9/26-3/9/26 and Statement from 457(b) with value and loan balance prior to filing date. RESOLVED, STATEMENTS PROVIDED
There is non-exempt equity in the bank accts pending bank statements and 457(b) acct estimated
$13,764 pending statement. AS OF 3/31/2026 STATEMENT THE LOAN BALANCE IS $11,364.73. THE BASE TO GUCS COVERS IT
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-12589 / CMGKarina Pia Lucid, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0
As of 7/29/26(mk):

work up on plan #25


1. Trustee Objection:
- total plan funding is $192,345 and plan payments only add up to a total of 150,400

Plan: $2000 X 3; $2900 X 3; $2500 X 3; $9000 X 1; $2500 X 11; $9000 X 1; $2600 X 11; $9000 X 1; $2600 X 11; $9000 X 1; $2600 X 11; $9000 X 1; $2600 X 2; 100%
current 11,200
Email InquiryMatter ResolvedRequest
Adjournment
1698/5/2026 10:00 am26-12639 / CMGNicholas Fitzgerald, Esq.Confirmation HearingPending WorkupDebtor has made 3 of 4 required payments   Arrears: $1,917.00
can add plan is 36 month 100%


AS OF 7/9/26 (SF)

PLAN ONLY PROPOSES PAYMENTS FOR 7 MONTHS. PLAN MUST RUN AT LEAST 36 MONTHS.


1. Objection filed by SN Servicing/US Bank (Wohlrab) - failure to pay arrears of $102,259.14 and speculative sale

2. Motion for Relief by SN Servicing (Friedman)- 8/5 at 9

3. Motion to Sell scheduled for 8/5 at 9

4. Trustee objection:

- Need 2 months (Feb & March) bank statements from New Brunswick Federal Credit Union and New York Life AARP insurance policy value prior to filing date. (STILL NEED)

- There is non-exempt equity in the residence $82,170. (100% PLAN)



Plan proposes $2730 x 3; $1000 x 4; 100% Plan; Sale by 10/31/26
Payments: 3/4 Arrears: $2417

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- A copy of the last filed tax return - for 2025. (RECEIVED)
- The current Plan does not specify treatment of New Brunswick Postal FCU claim for
$9,132.02 and IRS $14,963 under the Plan. (MP FILED)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-12701 / CMGEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 4 required payments   Arrears: $0
As of 7/28/26(mk):

>>MFR 8/5/26 Alliant Credit Union(KML)- 2nd Mtg on #373

1. Objection by Rocket Mortgage -( KML Law) : on prop #126
-Plan fails to pay arrears

2. Bifurcated claim filed by Ally Capital- plan has outside but there are arrears of $1,865.67


3.Plan has pay CMG Mtg outside but there is an arrears claim for $7,532.64-OK TO PAY?

4. Plan fails to treat secured claim #1-1 for arrears on IOU CENTRAL, INC. DBA IOU FINANCIAL, INC.- UCC secured llein

5. Trustee objection:
- NEED A copy of the deed - for property #373, document provided has wrong address and not the debtor.

-Debtor has undertaken an improper use of exemption. Specifically: -Debtor is using a (d)(1) exemption on second property

-Debtor pet grooming business is operating at a loss of $-11,035.

-Debtor also has a rental property that is operating at a loss of $ -139.51.

- must file pre conf cert.

Plan: $320 X 60; BASE
5/4 payments

------------------------------------------
Objection by Rocket Mtg (McCalla0: on prop #373 RESOLVED- PAY POC
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-12929 / CMGAndy Winchell, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0
7/28/26(mk)- email to atty

1. NJ DIV. OF TAX- filed claim for $1,010= plan has notice only-OK TO PAY?

2. Per Plan claim of IRS for 9,159 will only be paid upon the filing of a timely Proof Of Claim- Language added to terms

3. Readington Commons (JOHN BRACAGLIA, JR) obj to pre-pet arrears owed and plan not proposing prompt cure of rental arrears, POC filed with arrears $1,151, also obj to post-pet arrears now owed $936.54 as of 5/26/26. Must resolve obj. MK: trying to work it out w/ LL OBJ W/D 6/11/26 BUT THIS STILL DOES NOT RESOLVE THE ARREARS OWED $1,151. CLAIM NEEDS TO BE ADDRESSED-OK TO PAY ARREARS?

4. Trustee objection:

INCOME ANALYSIS: from pay stubs

>>Updated paystubs -RECEIVED- went through each job:
co debtor for:

>> Bridgewater Job- 11 paystubs net pay added up =26,358.09/11=2396.19 x2.16=5,175.77 p/m

>>Co Debtor-Effective school job-10 paystubs net total 20,679.26/10=2,067.92 x 2.16=4,466.72

>>Debtor-CBRE INC job total 16 stubs net of 11,546.21/16=$721.63 x 4.33=3,124

>>>TOTAL INCOME 12,767.18 - EXPENSES 11,203= 1,565,39 and plan only proposes 900


- Case is above median, Line 45 has disposable income $3,957.18, which would require min. div. $237,431 to gucs.
- 2024 income was $107,193 and 2025 income even more at $181,230. 22C Line 30 takes additional expense for food/clothing $77 and Line 33d takes deductions for 401(k) accts $6.23 and $2.14, which should be part of Line deductions on Line 41

- Need an estimated for atty fess for plan calculation. Fee App to be filed

- Must file Pre-confirmation certification and fee app within 7 days from confirming order. LANGUAGE ADDED

Prop Plan $900 x 60 begin 4/1/26; Base
4/4 payments
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-12942 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0
As of 7/29/26 (mk):

HAS the LM package been submitted?

7/15/hearing was adj to 8/5: per Tr full lm application to lender there is no loss mit request filed provide the LM package to lender and atty for lender.

Motion to participate in Loss mit on for 8/5


1. US Bank (BRIAN CAINE) obj to arrears owed are much more than what is in plan POC filed with arrears $72,137.8, plan does not propose to pay the arrears and that plan was filed to stop sheriff sale

2. Ally Capital-2017 Ford filed arrears owed $1,049.38. OK TO PAY?

3. Must resolve the estimated tax claims filed by IRS and State of NJ 2021-2023 not filed.

4. Trustee objection:
- Must provide 2025 Tax return.(PROVIDED)
- Excessive expenses on Sched J: Home maintenance $500 and Utilities $1,100. Must provide proof of expenses 10 days prior to confirmation. Disposable income would verify $2,579 deducting excessive expenses.
- There is estimated non-exempt equity in the residence $137,989 pending resolving the estimated tax claims.


Plan $1,882 x 60 begin 4/1/26; Base and Loan mod on Stockton Street by 10/1/26
4/4 payments

----------------------RESOLVED----------------------
- Must provide 2025 Tax return.(PROVIDED)
DSO info sheet provided 6/3/26.
Email InquiryMatter ResolvedRequest
Adjournment
1328/5/2026 10:00 am26-12953 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $486.00
AS OF 6/16/26 (SF)


1. Carvana filed arrears claim 6-1 in the amount of $2422 which is not addressed in plan

2. The plan proposes to pay $37,550 to US Depart of HUD claim 1-1 but the claim was filed with zero arrears (HOW SHOULD THIS CLAIM BE PAID?)

3. Apex Land did not file a claim and the bar date expired on 5/27/26. Should this claim be stricken from plan?

4. The debtor has failed to provide proof of service with respect to Plan Motion(s). (STILL NO SERVICE)

5. Trustee objection:

- Need a copy of the last filed tax return - 2025 return by 5/31/2026 (RECEIVED, TAX REFUND IS $5064

Plan proposes $504 x 60 Base; Sale by 7/1/26
Payments 2/3 Arrears: $486



RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED).
- IRS filed estimated priority claim 7-1 (AMENDED)
- State of NJ filed estimated priority claim 11-1 (AMENDED)
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-13079 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 4 required payments   Arrears: $900.00
As of 7/27/26(mk)

1/4 payments


1. State of NJ filed estimated tax claim and IRS estimated tax claim.

2. Yamaha-2019 Yamaha filed secured claim no arrears owe, not mentioned in plan, no payments on Sched J and creditor not on Sched D. Need mod plan to address.

3. Hyundai-2022 Kia leased vehicle filed claim with no arrears, not mentioned in Plan or Sched G. Must be addressed.

4. Trustee objection:
- Debtor has insufficient income, disposable income verifies $244, after reviewing updated income.

Plan $300 x 36 begin 4/1/26; $0
1/4 payments arrears $900

-------------------RESOLVED-------------------------
Note: Debtor provided his 2025 tax return. Updated proof of income provided for Debtor.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-13125 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $200.00
mk sent email to atty for status 7/22/26

7/22/26(mk) NEED HUD FROM SALE OF PROPERTY #820
Plan has to be 100% due to equity in real prop.

sale date 7/14 - adj conf to 8/5- creditor to file a motion for relief property was transferred to PPS- for 100,000 and mtg not paid- not the sale property

As of 6/24/26 (DS): 1. BELOW ISSUES REMAIN UNRESOLVED.
- Need payoff of loan and need order for surplus amt from superior Ct and status of sale ATTY PROVIDED LETTER DATED 5/27/26 FROM CREDITOR ATTY REDEMPTION AMOUNT ON SALE OF REAL PROPERTY PROVIDED UP TO 6/15/26 WAS $452,770.70 HAS EXPIRED.
DID CLOSING HAPPEN? No w/in 30 days-
- Need cert from debtor he does not have the car. AMENDED SCHED A/B REMOVES CAR, CERT PROVIDED THAT DEBTOR HAS NOT HAD CAR FROM A YEAR PRIOR TO FILING, TRUSTEE TO REMOVE CAR PAYMENT $400 FROM SCHED J AND STRIKE CREDITOR FROM PLAN.

Atty has $600 to send in. Debtor does not have the car.

As of 6/1/26 (DS): 1. Trustee obj to the following:
- Must provide auto insurance for 2020 Hyundai (ATTY AMENDED SCHED A/B, BUT TRUSTEE ASKED FOR DEBTOR'S CERT,-CERT PROVIDED 6/24/26 MIDNIGHT, DEBTOR HAS NOT HAD CAR FOR A YEAR BEFORE FILING, THEREFORE, WE NEED TO REMOVE CAR PAYMENT AND STRIKE CREDITOR FROM PLAN.
- Must amend Debtor's petition to add the alias of "Steve Apisa" to the petition.
- Disposable income WOULD verify $1,940, since there is no car payment $400, also plan fails to add tax refund $2,645 when determining the disposable income.
- Need a tier plan when car payment $400 ends in month 14. IF THERE IS NO 2020 CAR THEN THERE IS NO CAR PAYMENT, BUT THERE IS DISPOSABLE INCOME $1,940.
- Plan fails to provide the non-exempt equity and non-exempt proceeds from sale to Trustee. Add to confirming order non-exempt proceeds from sale of residence to Trustee.
- There is non-exempt equity in the residence $108,523, PNC Bank acct $23 and Bank of America acct $494 total $109,040. BAR DATE HAS PASSED TOTAL GUCS FILED $81,493.20
- Must resolve creditor obj.

2. Ord
Email InquiryMatter ResolvedRequest
Adjournment
1778/5/2026 10:00 am26-13232 / CMGDavid G. Beslow, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 7/29/26 (SF)

1. 341 not held. Rescheduled to 7/23 - No Show and not rescheduled
3. Payments: 3/3


appl to retainer realtor filed #33- listing price is 450,000
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-13245 / CMGMitchell Lee Chambers, Jr., Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $3,516.00
AS of 7/29/26(mk):


1. REAL TIME RESOLUTIONS INC- MP has pay in full per the plan - has added interest for total 160,260.81 - need order to pay that



Plan:$7032 PTD; $3300 X 57; 100%
3/4 payments
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-13321 / CMGEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 4 required payments   Arrears: $0
As of 7/27/26(mk): email to atty-ok to terms

**NEEDS TO CONFIRM AT $2,300 PTD Then $1,013 x 56 Begin 8/1/26 Base w/ min of $53,923 to GICs due to equity in real property. Must file pre conf cert w.in 7 days**


1. Trustee objection:
-not paying all disposable income into the plan:. Trustee's calculations are higher for the following reason(s): disposable income verified higher at $1,202
-There is $53,923.60 non-exempt equity in house.


plan $800x60 base plan
4/4 payments

------------------RESOLVED----------------------
- Need Business profit & loss statements- Business forms: General Merchandising business. RESOLVED, PROVIDED
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-13384 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 7/27/26 (mk):email to atty

>>Need to resolve the excess income issue- email to Atty

1.Trustee's objection:

- Not paying all disposable income into the plan pursuant to either Schedules I & J
- Disposable income verifies $5,900 at debtor's current expense total,
- Add to confirming order fee app within 7 days from confirming order. (LANGUAGE ADDED)
- Add to confirming order Debtor to provide updated proof of income for Debtor and spouse for the ends of the year 2026 by 1/15/27. (LANGUAGE ADDED)

Plan proposes: $1,500 x 6 begin 4/1/26 then 3000 x 54 base
3/4 payments


------------------------------------------
- Add to confirming order fee app within 7 days from confirming order. (LANGUAGE ADDED)
- Add to confirming order Debtor to provide updated proof of income for Debtor and spouse for the ends of the year 2026 by 1/15/27. (LANGUAGE ADDED)
Add to confirming order fee app within 7 days from confirming order. (LANGUAGE ADDED)
- Add to confirming order Debtor to provide updated proof of income for Debtor and spouse for the ends of the year 2026 by 1/15/27. (LANGUAGE ADDED)
Expenses reviewed and ok (mk) 4 PP HH sch J overall is reasonable
- 22C-1 has excessive expenses: Line 13 takes $2,750 spouse expenses. 22C-2 Line 21 Childcare $1,200, Line 30 Additional food/clothing $77 and Line 46 is deducting $850 on a
one time bonus spouse received and is not expected to occur (Can add to confirming order to provide updated proof of income by 1/15/27 to follow up if bonus is received). (LANGUAGE ADDED)
- Sched J has excessive expenses: Home maintenance $100 (do not own home), Renter's insurance $18, Childcare $1,200, Entertainment $400, Spouse Debt service $2,500 and
spouse personal care $250. Must provide proof of expenses 10 days prior to confirmation. - The debtor has failed to file the required Pre-Confirmation Certification. FILED)
- A copy of the last filed tax return - for 2024 all pages from business and 2025 Tax return. (RECEIVED)
- Debtor proof of incom
Email InquiryMatter ResolvedRequest
Adjournment
1838/5/2026 10:00 am26-13457 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $700.00
AS OF 7/9/26 (SF)

1. The IRS just filed estimated priority and unsecured claim 6-1 (STILL NEED AMENDED CLAIM)

Plan is not feasible. Trustee payment needs to increase to $1272 per month. Debtor is not current with Trustee payments (I and J amended. Disposable income is now $1307)

Trustee objection:

- There is $184,620 in non exempt equity in the residence.


Plan proposes $700 x 60 100% Plan
Payments: 3/4 Arrears: $700


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

Email InquiryMatter ResolvedRequest
Adjournment
1488/5/2026 10:00 am26-13819 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $600.00
2025 tax return filed and uploaded, tax return, refund $1460

UPDATED 6/23/2026 (JMA)
issues as of 6/18/2026 (JMA)

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 $2,800.72.
- Per the 22C, monthly disposable income is $4,535 which requires a minimum dividend of $272,100 to general unsecured creditors. Plan is 100%
- 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 $56,868 in non-exempt equity in the residence.
2) Synchrony Bank filed secured claim 19-1 for 2023 Polaris. This claim is not provided for under the plan. NEED TO FILE MODIFIED PLAN TO INCLUDE TREATMENT OF THIS CLAIM

proposed plan $600x6, $1,800x54 10%plan
paid in $1,200
last claim 20-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED.
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return for 2025 by 5/31/2026 - RESOLVED, PROVIDED, NO REFUND.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-13898 / CMGEugene D. Roth, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
6/24/26(mk): Order submitted resolving objection in #2 below- Sale of property by 10/15/26 TR no pay arrears pending sale full lien needs to be paid off creditor may consider- but it not compelled to agree to a short sale if that turns out to be the case



As of 6/22/26 (DS): Debtor atty requested adj to allow time to resolve obj and resolve IRS claim

As of 6/22/26 (DS): 1. Trustee obj that Debtors income is insufficient, disposable income verifies $534. DEBTORS WILL NEED E-WAGE and service was done to creditors in motion in plan on 6/10/26 & 6/17/26 and will require time for creditors to file any objections, if any. EMAILED ATTY THAT CASE IS NOT READY TO CONFIRM UNTIL ALL THESE ISSUES ARE RESOLVED

2. US Bank (CORY WOERNER) obj to plan not proposing post-pet payments and sale date being too long, should be no longer than 10/15/26. Must resolve obj.

3. IRS filed estimated tax claim, Co-Debtor has not filed 2025 tax return. Must resolve claim.

Prop Plan $754 x 60 begin 5/1/26; Base and Sale of Cypress Lane/Kissimmee Timeshare 6 months post-conf
Note: Service was done to creditors in motion on 6/10/17 & 6/17/26 and will need time to receive service. Co-debtors 2025 Tax return provided.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-14057 / CMGRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 6/18/26 (SF)


1. Objection filed by Capital One Auto Finance (Stewart) - objects to cram (910 claim)

2. Trustee objection:

- The debtor has insufficient income.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $811 when
determining disposable income.



Plan proposes $460.12 x 60 Base Plan
Payments: 2/2



RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Need March and April bank statements for TD account 6925 or document showing that it
was closed. Note - proof of TD acct closure uploaded 5/15/26 (dm)



Email InquiryMatter ResolvedRequest
Adjournment
1548/5/2026 10:00 am26-14068 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
FYI Updated home insurance w/ per. liability coverage provided 6/23/26. (mk)
2025 TAX RETURN, REFUND $1,064


issues as of 6/18/2026 (JMA)

1) Lakeview Loan Servicing LLC (KML) objection to confirmation - NEED TO RESOLVE
- On or before the Bar Date of June 22, 2026, Secured Creditor will file a secured claim for estimated pre-petition arrears in the amount of $211,662.41.
- Debtor's Plan understates the amount for the Secured Creditors Claim and does not provide sufficient funding to pay said claim.
2) Trustee objection to confirmation - NEED TO RESOLVE
- A copy of the homeowner's insurance renewal declaration with personal liability coverage, not forced mortgage insurance, which expired 12/27/25 - RENEWAL NOT PROVIDED TO DATE
- Property settlement agreement and TD Bank statements from 2/26/26-4/13/26. NOT PROVIDED TO DATE
- Must resolve creditor objection.

proposed plan $450X60 with loan mod by 11/1/2026 minimum $27,000 to gucs
paid in $900
last claim 5-1

RESOLVED ISSUES:

- 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 2024 and 2025 -RESOLVED, TAX RETURNS PROVIDED, NO REFUND
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-14069 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
As of 6/23/26 (DS): Debtor atty requested adj 341 sched 7/9/26
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-14077 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 7/29/2026 (at):

1. Objection filed by Real Time Resolutions (Must O'Keefe) - loan has matured and they will be filing a total debt claim for $118,352.89. Plan fails to provide for movant's claim. (UNRESOLVED)

2. 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 $141,208.25 non-exempt equity in house.
-There is $1,429 non-exempt equity in 2022 Subaru.
-There is $900 non-exempt equity in acct#5804.
TOTAL NON-EXEMPT EQUITY $143,537.25 (100% PLAN) (LANGUAGE ADDED)
- Need to file Pre-Confirmation Certification within 7 days of confirmation. (LANGUAGE ADDED)

Plan proposes: $960 x 60 beginning 5/1/2026, 100% plan
Payments: 3/3
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-14349 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 6/16/26 (SF)

1. Objection filed by Americredit Financial Services/GM Financial (Craig) - objects to cram

2. The plan proposes to pay NJ Property Liability Insurance Guaranty $2500 for total lien and also proposes to avoid lien in the amount of $2500. (NEED EXPLANATION) No claim filed

3. Unemployment provided for Peter Armstrong. Need amended Schedule I

4. Trustee objection:

- The debtor has failed to file a feasible plan - that propose a tier plan when Debtor pension loan $1,514 ends in month 15.

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

- Need pay stubs from Debtor for the month of March 2026, cannot determine income with 2 pay stubs and from Co-Debtor the month of May., since Co-Debtor started new job and only provided April.

- A Modified Plan that propose student loans to be paid outside, Schedule J list student loan payment.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,408 when determining disposable income.

- The current Plan does not specify treatment of Onemain Financial
- 2002 Cadillac Escalade under the Plan.

- There is estimated to be non-exempt equity in the residence $18,135 (pending all secured claims filed) and Credit Union of NJ accts (pending review of updated bank statements)

- Must provide Credit Union of NJ bank statements for both Debtors from 4/1/26-4/30/26.



Plan proposes $515.20 x 60 Base
Payments: 1.5/2 Arrears: $230.40


Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-14398 / CMGFrederick J. Simon, Esq.Confirmation Hearing ScheduledContinued
9/16/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $500.00
AS OF 7/24/2026 (at):

1. 341 is scheduled for 7/16/2026. (READY)
2. Payments: 2/3, arrears $500
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-14424 / CMGPRO SEConfirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 3 of 3 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-14446 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,653.00
AS OF 7/29/26 (SF)



1. The State of NJ filed estimated general unsecured claim (NEED AMENDED CLAIM)

2.

Trustee objection:

- Verified monthly disposable income is $5,400 per month. (Plan is 100%.) (RECOMMEND 48 MONTH PLAN)
- Student loans outside plan.



Plan proposes $1653 x 60 100% Plan
Payments: 1/2 Arrears: $1653



Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-14562 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 3 required payments   Arrears: $0
issues as of 6/18/2026 (JMA)

TO CONFIRM NEED $3,795 PAID TO DATE, $1,596X57 BEGIN 8/1/2026 WHICH INCLUDES MINIMUM $30,759.23 NON-EXEMPT EQUITY

1) Wells Fargo Bank (Padgett Law Group) objection to confirmation - RESOLVED, PAYING $43,112.24 THROUGH PLAN
- Debtor's Plan lists arrears in the amount of $27,613.62 for Movant, which is significantly less than the arrears of $37,526.72. The Plan fails to cure the delinquency pursuant to 11 U.S.C. 1322(b)(5).
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to supply the Trustee with the following document(s): Need March and April bank statements for Chase account 3136.- The Schedules fail to account for the debtor(s) tax refund in the amount of $737.00 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): - There is $30,579 in non-exempt equity in the residence. INCLUDED
3) Lacey Township/Fig 25, LLC no claim filed to date. RESOLVED, PER PLAN AMOUNT TO BE PAID IS $5,715.35 GOV BAR DATE IS 10/21/2026

proposed plan $1265x60, minimum $30,759.23 to gucs
paid in $3,795
last claim 17-1
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-14664 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
copy of deed provided
Email InquiryMatter ResolvedRequest
Adjournment
1968/5/2026 10:00 am26-14713 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $0
mk:atty now knows how we came up w/ more income- debtor took out a pension loan in dec 2025 jn 2025 to by auto making pension loan essentially a car loan and a car loan can be deducted form 122 c- Mk not sure on that logic


As of 7/14/26 (DS): 1. Bar date has passed 7/7/26, late claim was filed by Citibank/Costco for $2,119.92 does Debtor want to pay the claim?

Recommend confirming at $392 x 3 begin 5/1/26, $1,836 x 57 begin 8/1/26; 100% to gucs;
- Add to confirming order Trustee standard order of distribution.
- Within 7 days must file Pre-confirmation certification.

1. Trustee obj to the following:
- 22C has disposable income on Line 45 is $6,627, deducting total $4,954.82 Schedule I payroll deductions, would leave disposable income $1,672.81-$27.95 IRS tax claim difference=$1,644.86 and require a min. div. $98,692 to gucs. BAR DATE HAS PASSED TOTAL GUCS FILED $90,042.77
- Verified income leaves monthly disposable income of $1,648.
- Amend 22C, fails to list all deductions on Line 13b, 16, 17 and 25.
- Add to confirming order Trustee standard order of distribution.
- Must file Pre-confirmation certification.

Prop Plan $392 x 60 begin 5/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-14760 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0
should be adj to see what happens with the IRS motion

As of 7/27/26(mk)

1. IRS unsecured claim filed in the amount of $206,280.26. MOTION TO MODIFY ON FOR 8/26/26- NEED RESULT

2. Proposed plan payments of $600x60 100% plan - not feasible due to IRS claim.

3. Trustee objection:
- There is $90 non-exempt equity in the 2013 Lexus and 41,440 in real property that is the subject of a fraudulent transfer- AS Long as plan remains 100% it is ok
- Debtor removed herself form the Deed on the real property 8 months before filing at the advice of her husband. This is considered a fraudulent transfer. Trustee is asserting that any non-exempt equity should be paid to creditors. PLAN MUST REMAIN 100%

plan $600x60 100% plan
2/3 payments
Email InquiryMatter ResolvedRequest
Adjournment
2028/5/2026 10:00 am26-14989 / CMGMark N. Glyptis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $46.00
I and J amended - need to review

AS OF 7/8/26 (SF) ADJ REQUEST DENIED NO PERSONAL LIABLITY COVERAGE

Per Statement of Financial Affairs attorney was paid $1313 prior to filing. Total fee was $5025 so balance should be $3712 not $4025. If this is incorrect will need to amend disclosure statement with correct amounts or file fee application for amounts above $4750. (NEED EXPLANATION)


Trustee objection:

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

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

- There is non-exempt equity in the residence $2,002.


Plan proposes $1122 x 60 Base
Payments: 1/2 Arrears: $1122






Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-15140 / CMGJoseph I. Windman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
6/18/26 (sf) Adj request denied. Need consent of objecting creditor
Email InquiryMatter ResolvedRequest
Adjournment
2188/5/2026 10:00 am26-15466 / CMGAllen I. Gorski, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 7/28/26 (SF)

RECOMMEND $1000 X 60 (BEGIN 6/1/26) 100% PLAN W/MIN DIV OF $135,820 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE
- STUDENT LOANS TO BE PAID OUTSIDE PLAN
- FEE APPLICATION FOR HOURLY FEES HAS BEEN FILED, NEED ORDER WITHIN 30 DAYS


1. Motion for Compensation scheduled for 8/26/26 at 12

2. Trustee objection:

- -Debtor disposable income $2766.11 and non-exempt equity in house $135,820.00. Plan needs to be 100%.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $3080 when determining disposable income.

- There is $135,820.00 non-exempt equity in house.

- Student loans outside



Plan proposes $1000 x 60 Base
Payments: 2/2




Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-15475 / CMGDavid S. Waltzer, Esq.Confirmation Hearing on Modified PlanContinued
11/18/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-15494 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 7/29/26 (SF)

1. Objection filed by Freedom Mortgage (Wilson) - failure to pay arrears of $7858.03

2. Objection filed by LOGS Legal Group (Wassall) - failure to pay arrears of $13,329.77

3. Wells Fargo filed bifurcated claim 4-1 for furniture that is not addressed in plan (MUST RESOLVE)

4. Trustee objection:

- The debtor has insufficient income - Negative income (DISPOSABLE INCOME IS ACTUALLY $1395. THE UNEMPLOYMENT AND TAX REFUND WAS NOT INCLUDED) NEED EXPLANATION FOR ALL OF THE TIERS. DISPOSABLE INCOME DOES NOT SUPPORT THE HIGHER TIERS.

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

- There is $4,538.23 non-exempt equity in 2019 Hyundai Elantra

- There is $5,978 non-exempt equity in 2021 Hyundai Tucson

- As of now, There is 48,998 non exempt equity in real property PLAN IS 100%

- Need order for payments on 3 cars w/ interest through the plan.


Plan proposes $850 x 12; $1250 x 12; $1500 x 12; $1750; $1000 x 12 100% Plan
Payments: 2/2

Email InquiryMatter ResolvedRequest
Adjournment
2218/5/2026 10:00 am26-15497 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
issues as of 7/8/2026 (JMA)

1) The claims bar date is 7/24/2026. If the case is confirmed before the bar date,
2) Per the plan general unsecured claims total $172,211.49. The Trustee would use this number before the bar date.
3) To date filed general unsecured claims total $38,425.24.

proposed plan $1,500x60 base plan
paid in $1,500
arrears $1,500
last claim 8-1
Email InquiryMatter ResolvedRequest
Adjournment
2228/5/2026 10:00 am26-15525 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 3 of 2 required payments   Arrears: $0
AS OF 7/29/2026 (at):

NEED CAR INSURANCE.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor must provide updated proof of auto insurance for the 2025 Hyundai. The policy provided expires on 6/22/26. (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$600/month for pet expenses
Need proof of expense 10 days prior to confirmation. (NOT RECEIVED)
- Need Certification regarding the contribution to the household from James Van De Mark who is the co-owner of the real estate with the debtor. (NOT RECEIVED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $84,079 non-exempt equity in the residence. (LANGUAGE ADDED)
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)
- Debtor must provide proof that the trustee was added as loss payee to all motor vehicle and real estate insurance policies based upon vesting at discharge or the confirming order must
provide for vesting at confirmation. (MODIFIED PLAN VESTS AT CONFIRMATION)

Modified plan before confirmation proposes: $600 x 19 beginning 6/1/2026, $1,000 x 41, base
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
2238/5/2026 10:00 am26-15531 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $755.00
updated 7/13/2026 (JMA)
issues as of 7/7/2026 (JMA)

1) Lakeview Loan Servicing (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- Creditor anticipates filing claim will include pre-petition arrearage totaling $26,505.46, whereas the Plan proposes to pay only $21,000
2) Bridgecrest Credit Company LLC as Servicer for Carvana, LLC (Stewart Legal) objection to confirmation - NEED TO RESOLVE
- creditor filed Proof of Claim 27 in the amount of $17,497.45
3) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation. DEBTOR HAS MADE ONE PAYMENT USING TFS TO DATE.
- The debtor has failed to file the required Pre-Confirmation Certification - NOT FILED TO DATE
- The debtor has failed to supply the Trustee with the following document(s): A current market analysis with comparatives that are the same size and closed within 6 months of filing. PROVIDED.
- Need a statement for the debtor's "employee loan" NOT PROVIDED TO DATE.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as $1,782/month mortgage payment (per statement payment is $1,732); $948.50/month for car insurance Need proof of excessive payment 10 days prior to confirmation. NOT PROVIDED TO DATE
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): - Using Zillow, there is $47,888 in non-exempt equity in the residence. THE RECENT RECORDED DEED PROVIDED SHOWS DEBTOR OWNS PROPERTY WITH SPOUSE. THEREFORE, DEBTOR HAS A 50% INTEREST IN THE PROPERTY AND THEREFORE, THE NON-EXEMPT EQUITY IS ZERO.
- The debtor has failed to provide proof of service with respect to Plan Motion(s). RESOLVED, FILED 6/10/2026
- Need proof of service on all creditors listed in part 7a of the plan. RESOLVED, FILED 6/10/2026.
- The debtor failed to provide recording information fo
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-15690 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $4,200.00
AS OF 7/29/2026 (at):

DEBTORS HAVE MADE NO TRUSTEE PAYMENTS.

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

2. Objection filed by Towne Mortgage (Hladik Onorato) - failure to cure full arrears of $101,565.09 (Per POC). Plan proposes to pay $94,307.31. (UNRESOLVED)

3. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):- A copy of the last filed tax return - for 2025 with all schedules. (NOT RECEIVED)
- Disability income from Co-debtor for the month of May 2026.-
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Must service all creditors in motions. (CERT OF SERVICE FILED 6/26/26)
- Add to confirming order fee app within 7 days from confirming order. (LANGUAGE ADDED)
- Must resolve IRS estimated tax claim, 2020-2025 not filed. (STILL ESTIMATED)
- need updated income from debtor when she returns to work in Sept 2026 (LANGUAGE ADDED)

Plan proposes: $2,100 x 18 beginning 6/1/2026, $3,060 x 42, 0% to unsecured creditors
Payments: 0/2, arrears $4,200
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-15845 / CMGJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledContinued
8/26/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
issues as of 7/29/2026 (JMA)

1) On form 106 A/B Line #35 potential civil lawsuit against parents, Zen and Cynthia Sotiropoulos
2) PNC Bank (LOGS) objection to confirmation - NEED TO RESOLVE
- Secured Creditor is owed estimated pre-petition arrears of $44,479.63
3) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation.
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s):- Need proof of disability insurance for non-filing spouse once she is approved.
- A Modified Plan that increases trustee payment by $1.986 in month 20 when pension loan is paid off.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as $750/month for cable/internet/phone; $600/month for car insurance. Need proof of expenses 10 days prior to confirmation. Will be allowed if case is 100%
- The Schedules fail to account for the debtor(s) tax refund in the amount of $6,112.00 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is $157,067 in non-exempt equity in the residence.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
- Credit Acceptance filed a bifurcated claim which needs to be resolved.

proposed plan $665x60 base plan
paid in $1,330
last claim 1-1


MK : per atty plan will be 100%
add to confirming order the step up tier in month 20 when pension loan expires so don't need the MP just put it in terms and for treatment on the bifurcated claim of Creditor acceptance: PER ATTY: Pay secured portion of $8,125 and unsecured portion of $9,125.92 to be paid with rest of unsecured creditors per the confirmed plan. No payment on arrea
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-15928 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledContinued
9/16/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $2,180.00
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-15972 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $1,178.00
AS OF 7/29/2026 (at):

DEBTOR HAS MADE LESS THAN ONE OF TWO PAYMENTS.

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

2. Objection filed by SN Servicing/US Bank (Friedman Vartolo) - failure to cure full arrears of $22,702.13 (Per POC). Plan proposes to pay $21,112.02. (UNRESOLVED)

3. Objection filed by Santander (Eisenberg Gold) - creditor wants to right to repossess and sell the vehicle and file a deficiency claim for any remaining balance. (UNRESOLVED)

4. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $754 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):
- There is $204,016 non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)

Plan proposes: $766 x 60 beginning 6/1/2026, 100% plan
Payments: less than 1/2, arrears $1,178.46
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16012 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $4,644.00
AS OF 7/28/2026 (at):

DEBTOR HAS MADE NO TRUSTEE PAYMENTS.

1. Objection filed by US Bank (Roberson Anschutz) - 3276 Oceanic Drive - failure to cure full arrears of $59,824.71 (Per obj, no claim yet). Plan proposes to pay $50,429.60. (UNRESOLVED)

2. Objection filed by New Rez - 3230 Meadow Street - failure to cure arrears of $78,519.08 (Per objection, no claim yet). Plan proposes to pay $27,605.82. (UNRSOLVED)

3. Objection filed by Citigroup Mortgage (Hladik, Onorato) - 102 Colonial Court - failure to cure arrears of $2,281.24 (Per objection, no claim yet). Plan does not list this creditor. (UNRESOLVED)

4. Objection filed by Ally Capital (McCalla Raymer) - creditor wants to reserve the right to amend the claim after the car is sold to reflect any deficiency. (UNRESOLVED)

5. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):- Domestic Support Obligation information Must provide copy of Court order for $1500
support payment and DSO information sheets.- A copy of the last filed tax return - Must provide copy of 2025 Tax Return- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I &
J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
1) Excessive expenses on Schedule J: $1255 food for 1 person; $1500 Maintenance; $500
upkeep; Plan is 100%
2) Disposable income per 122C line 45 is $5768.86 which requires minimum dividend of $346,080 to general unsecured creditors
3) Disposable income per Schedules I and J verify at $5108. Plan length may need to be shortened.- 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 estimated nonexempt equity of $575,355 in real estate.
2) There is estimated nonexempt equity of $205,000 in busines
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16017 / CMGLarry Plummer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $850.00
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16043 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 7/28/2026 (at):

SHOULD ADJOURN TO AFTER BAR DATE OF 8/7/2026. 100% PLAN.

Trustee's objection:
- The debtor has failed to file a feasible plan - that propose a tier plan when car payment $516 ends in month 28. (100% plan)
- 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):
- Co-Debtor pension loan balance statement prior to filing date. (RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Home maintenance $350, Electricity/heat/gas $650, Cell/phone/internet/cable $675, Food
$1,000, Personal care $250 and Pension loan $776.11. Must provide proof of expenses 10
days prior to confirmation. May be moot since 100% plan.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- 22C has disposable income $9,084.76. Plan propose 100%.
- There is disposable income $6,592, not deducting the excessive expenses.

Plan proposes: $2,750 x 60 beginning 6/1/2026, 100% plan
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16082 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $600.00
AS OF 7/28/2026 (at):

Trustee's objection:
- The debtor has insufficient income. using paystubs provided income verified lower than amount scheduled, income is negative (E-WAGE LANGUAGE ADDED)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- Need copy of Mother's will and Certification from debtor as to how money was split and how she spent her share of the proceeds. (NOT RECEIVED)

Plan proposes: $600 x 36 beginning 6/1/2026, base
Payments: 1/2, arrears $600
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16093 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16096 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 2 required payments   Arrears: $1,701.00
AS OF 7/28/2026 (at):

Trustee's objection:
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on Bridgecrest Acceptance/Carvana. (CERT OF SERVICE FILED 7/27/2026 - NEED TO WAIT 28 DAYS)
- need more detailed information on the value of the real property. The internet values the property much higher than the Equifax submitted. (NOT RECEIVED)

Plan proposes: $1,701 x 60 beginning 6/1/2026, $0 to unsecured creditors
Payments: 1/2, arrears $1,701
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16097 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 7/28/2026 (at):

RECOMMEND: $462 PAID TO DATE, $400 x 58 BEGINNING 8/1/2026, BASE
(DISPOSABLE INCOME IS $403)

Plan proposes: $231 x 60 beginning 6/1/2026, base
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16189 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 1 required payments   Arrears: $0
issues as of 7/29/2026 (JMA)

1) NewRez LLC (Padgett Law Group) objection to confirmation - NEED TO RESOLVE
- Movant anticipates filing a Proof of Claim on, or before August 10, 2026 with estimated arrears totaling $1,947.64
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $4,800/month for non-debtor spouse's expenses. This is allowed as long as case remains 100%.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): - Verified income leaves monthly disposable income of $1,474.15.
- Per the 22C, monthly disposable income is $8,050 which requires a minimum dividend of $483,000 to unsecured creditors. Case is 100%.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,499.00 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is $53,644 in non-exempt equity in the residence.
- Need to resolve objection by New Rez.

proposed plan $692x60 100% plan
paid in $692
Last claim 9-1
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16196 / CMGMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 1 of 1 required payments   Arrears: $0
As of 7/29/26 (DS): Mod plan filed 7/9/26, sched 8/26/26.

Issues which remain unresolved until next hearing. Must amend attorney disclosure to mark off attorney fees $3,201.25 to be paid through the plan, which currently has will not be paid through the plan.

Note: Updated homeowner insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16342 / CMGRebecca Schore, Esq.Confirmation Hearing ScheduledContinued
9/16/2026 10:00 am
Debtor has made 1 of 1 required payments   Arrears: $0
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16361 / CMGDavid A. Semanchik, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 1 required payments   Arrears: $0
AS OF 7/28/2026 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING SO THAT THE 341 CAN BE CONDUCTED.

1. 341 is scheduled for 8/13/2026. (READY)
2. Payments: 1/1
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16372 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 1 required payments   Arrears: $1,018.00
issues as of 7/29/2026 (JMA)

1) 341 not held, not rescheduled
2) No Trustee plan payments to date.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16593 / CMGThomas G. Egner, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 1 required payments   Arrears: $933.00
As of 7/29/26 (DS): 1. No Trustee payments made, Debtor in arrears $933, made 0 out of 1 payments soon 2.

2. Trustee obj to the following:
- Must provide updated homeowner insurance, expired 7/26/26.
- There is non-exempt equity in the residence $7,036 and Santander Bank acct#563 $3,631 total $10,667.
- 22C fails to add tax refund $358.25 there would be disposable income $512.12, which would require min. div. $30,727 to gucs.
- Add to confirming order non-exempt proceeds from lawsuit to Trustee.
- Arrears claim filed by Capital One Auto for $381.56, needs to be paid.
- Must resolve IRS and State of NJ estimated claims, 2020 and 2021, 2024 and 2025 not filed.

Prop Plan $933 x 60 begin 7/1/26; Base
Note: PNC Bank acct provided and ok.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16622 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 1 of 1 required payments   Arrears: $0
AS OF 7/28/2026 (at):

1. 341 has not been held or rescheduled.
2. Payments: 1/1
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16640 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
9/16/2026 10:00 am
Debtor has made 1 of 1 required payments   Arrears: $0
7/9/16:mk: atty says POC #1 is car lease and will pay arrears thru plan- it is assumed in part 6 of plan
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16691 / CMGMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 1 of 1 required payments   Arrears: $0
As of 7/29/26 (DS): 1. Trustee obj to the following:
- Need a mod plan that marks off 1(e) joint administration, specifies treatment of Carvana's arrears claim $755, specifies treatment of US Dept of HUD and Americredit Financial (2017 Nissan) claims, mod plan must pay 100% due to non-exempt equity $114,238, propose lump sum payment to Trustee of slot winnings and marks off 8(a) Vesting upon confirmation or must provide proof that the Trustee was added as loss payee to all motor vehicle and real estate insurance policies based upon vesting at discharge.
- Must provide statement for the Debtor's "loan deduction" on his pay stubs,
- Amended Sched B and C filed to add BOA acct $43k. Per 341 Debtor won $50k seems like Debtor is short $7k. Debtor was informed at 341 not to touch funds and open separate bank acct.
- Amended Sched C takes $1,675 d(5) for each Debtor only allowed to take remainder $1,317.72 each of d(5).
- Excessive expense for Snap on Tools $602 (They may file a claim).
- Disposable income verifies $5,072.
- Must resolve Americredit obj.
- Must file Pre-confirmation certification.
- Debtors must provide proof that the trustee was added as loss payee to all motor vehicle and real estate insurance policies based upon vesting at discharge or the confirming order must
provide for vesting at confirmation. If Part 8a not marked off vesting upon confirmation.

2. Americredit-2017 Nissan (WILLIAM CRAIG) obj to not in plan. Must resolve obj.

Prop Plan $1,456 x 60 begin 7/1/26; Base
Note: Recorded Deed provided.
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16692 / CMGErik Frins, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 0 of 1 required payments   Arrears: $536.00
AS OF 7/28/2026 (at):

1. Objection filed by Ally Capital (Stewart Legal) - failure to pay full claim of $13,775.67. Plan proposes to pay $13,260. (UNRESOLVED)

2. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)

Plan proposes: $995.21 x 36 beginning 7/1/2026, base
Payments: .5/1, arrears $536.21
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 10:00 am26-16786 / CMGEvan N. Pickus, Esq.Confirmation Hearing ScheduledPending - Work-up in ProcessDebtor has made 1 of 1 required payments   Arrears: $0
issues as of 7/29/2026 (JMA)

1) 341 scheduled for 7/30/2026, will complete workup after hearing held
2) Capital One Auto Finance (Stewart Legal) objection to confirmation - NEED TO RESOLVE
- The Debtor's Plan includes a claim amount of $38,455 to be paid at an interest rate of 0.00%
3) Freedom Mortgage Corporation (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- Secured Creditor estimates pre-petition arrears totaling $3,410.66

proposed plan $500x60 begin 7/1/2026 base plan
paid in $500
last claim 9-1
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 12:00 pm23-14805 / CMGPeter J. Broege, Esq.Motion CompensationRecommend Granting
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 12:00 pm24-16747 / CMGJames J. Cerbone, Esq.Motion CompensationRecommend Granting
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 12:00 pm25-12256 / CMGScott E. Kaplan, Esq.Motion CompensationRecommend Granting(AMT: PPSD ORDER DOES NOT INDICATE INSIDE OR OUTSIDE)<>

MK: the fees are paid outside form closing proceeds per motion and settlement sheet


SPECIAL COUNSEL
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 12:00 pm26-12020 / CMGRahaf Alrehaili, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 12:00 pm26-12778 / CMGCarlos D. Martinez, Esq.Motion CompensationRecommend Grantingconfirmed 7/15/ ok
Email InquiryMatter ResolvedRequest
Adjournment
08/5/2026 12:00 pm26-13383 / CMGMarc C. Capone, Esq.Motion CompensationNo Opposition Filedhourly fees make sure its in Mp when that is on
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes