ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Eamonn J. O'Hagan

Hearing Date: 8/12/2026
Last Updated: 8/19/2026 11:21 AM
Type an attorney name, case number, or disposition in the box below to filter results.
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryRequest
Adjournment
8/12/2026 9:00 am19-21731 / EJOAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/2/2026 9:00 am
Debtor though $6,140 was the plan balance - another $1,180 TFS transaction has been submitted to pay off the case - ADJ to 9/2 Peremptory (dm)

Debtor obj<>ARREARS/plan expires june
Email InquiryRequest
Adjournment
8/12/2026 9:00 am19-21731 / EJOAndrew Thomas Archer, Esq.Creditor Certification of DefaultWithdrawnDebtor obj<> MIDFIRST BANK (Gross Polosy)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am21-14907 / EJORussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/2/2026 9:00 am
TFS processing $686.38 payoff as of 8/7/26 (dm)

Debtor obj, will pay<>FAILED TO PAY PLAN BALANCE
Email InquiryRequest
Adjournment
8/12/2026 9:00 am21-19484 / EJOCandyce I. Smith-Sklar, Esq.Trustee Certification of DefaultTrustee OrderAMT: $66,624.90 PTD (55); $2,200 X 1 (Aug); $1,775 x 4 beg 9/1/26 (atty ok)<>

Debtor obj, will pay 7/5 and balance of arrears by hearing<> ARREARS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am22-11974 / EJORoman Akopian, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/2/2026 9:00 am

ADJ CONVERT OR DIMISS




AR NO OBJECTION FILED ATTY IS TO FILE POSITION UP TO COURT TO ENTERTAIN , DEBTRO WANTS OBJ PROB CASE WITH PYMTS CONDUIT $ 7960 IN ARREARS No Opposition currently filed (dm)

ARREARS; NEED ORDER FROM 12/3/25 MFR/WYNNEFIELD CONDO
Email InquiryRequest
Adjournment
8/12/2026 9:00 am22-13517 / EJOJoseph Albanese, Esq.Creditor Certification of DefaultOrder to be SubmittedNFA
Debtor obj<> SELENE FINANCE ( RAS)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am22-13660 / EJOThomas J. Orr, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/23/2026 9:00 am
7/1 - Atty to file MP within 10 days - ADJ 8/12 for Conf - may need to be ADJ after scheduling (dm)

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am22-14862 / EJORobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedNo payment since April (dm)

AMT: MP 9/23 **NEEDS TO SUBMIT ADJ REQUEST FOR TR MTN BY 8/7 OR APPEAR**<>


Debtor obj, filing MP<>SV/O.C.E.A.N INC; ARREARS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am22-15527 / EJOCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultContinued
9/23/2026 9:00 am
Debtor obj<> SELENE FINANCE (ras)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am22-15773 / EJOFrances A. Tomes, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>BRIDGECREST CREDIT COMP (STEWART)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am22-16452 / EJOAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj, made pymt<>VALON MTG (FRIEDMAN)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am22-17635 / EJORobert Manchel, Esq.Creditor Certification of DefaultContinued
9/2/2026 9:00 am
Debtor obj<> US BANK ( Friedman Vartolo)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am23-11536 / EJOBruce C. Truesdale, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/2/2026 9:00 am
AMT: MP 9/2

Debtor obj, filing MP<>100% PLAN NO LONGER FEASIBLE DUE TO ALLY APOC #8-2
Email InquiryRequest
Adjournment
8/12/2026 9:00 am23-11659 / EJOLaurence R. Sheller, Esq.Motion SellWithdrawnPROPERTY #3
Email InquiryRequest
Adjournment
8/12/2026 9:00 am23-11659 / EJOLaurence R. Sheller, Esq.Motion SellGrantedPROPERTY #3
Email InquiryRequest
Adjournment
8/12/2026 9:00 am23-11786 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/23/2026 9:00 am
ADJ to 9/23/26 Peremptory (dm)

amt: loss mit now extended to 7/23/26<>

Debtor obj<>FAILED TO LM BY 6/30/25; EXT LOSS MIT EXPIRED 3/7/26
Email InquiryRequest
Adjournment
8/12/2026 9:00 am23-13278 / EJOWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedSV/HSBC
Email InquiryRequest
Adjournment
8/12/2026 9:00 am23-13281 / EJOMelinda D. Middlebrooks, Esq.Motion Relief from Stay (Fee)GrantedALLY CAPITAL (McCALLA)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am23-14807 / EJOPeter J. Broege, Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)Order to be SubmittedAmended Order is Doc #47 (dm)
OTBS - Atty has Trustee payoff (dm)

Debtor obj<>PROPERTY #4
Email InquiryRequest
Adjournment
8/12/2026 9:00 am23-15215 / EJOYakov Rudikh, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnPAYMENT POSTED
8/5 - Nicole provided Atty with updated payoff because NJ tax lien was paid at closing (dm)

ADJ to 8/12 - if sale doesn't close, then debtor needs to post a good faith TFS payment (dm)

(AMT: 7/15 TITLE CO CALLED; TRYING TO CLOSE 7/17; WILL PROVIDE EXEUCTED HUD AFTER CLOSING AND REQUEST UPDATED PAYOFF LTR)<>

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am23-17810 / EJOBrad J. Sadek, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>WESTLAKE FINC/2010 accord (STEWART)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am23-19630 / EJORobert Cameron Legg, Esq.Motion SellGrantedPROPERTY #590
Email InquiryRequest
Adjournment
8/12/2026 9:00 am23-19630 / EJORobert Cameron Legg, Esq.Creditor Certification of DefaultWithdrawnDebtor obj<> ROCKET MTG (Stern & E)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am23-20954 / EJOThomas J. Orr, Esq.Motion Relief from Stay (Fee)DeniedADJ to 8/12 Peremptory

Debtor obj<>WELLS FARGO BANK (RAS)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am23-21992 / EJOJonathan Stone, Esq.Motion Relief from Stay (Fee)Order to be SubmittedADJ to 8/12/26 for proper service on debtors and debtor's counsel and the standard Cert of Service form (dm) - AS OF 8/6/26 NOT DONE

Tr obj<>OAK KNOLL CONDO (RADOM & WETTER)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am24-10014 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedNJ LATE FILED CLM; ARREARS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am24-10317 / EJOPeter J. Broege, Esq.Motion Relief from Stay (Fee)GrantedDebtor obj<>BRIDGECREST CREDIT (STEWART) car
Email InquiryRequest
Adjournment
8/12/2026 9:00 am24-10417 / EJOAndrew Thomas Archer, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)GrantedAtty holding $3,000 - would make him current through Aug (dm)

Trustee OBJ (DOC #52 AMENDED CERT OKAY)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am24-11579 / EJOLaurence R. Sheller, Esq.Trustee Certification of DefaultContinued
9/23/2026 9:00 am
Larry has $1,070 in cash - debtor is a home health aide - need TFS auto pay - ADJ to 9/23 (dm)

Last payment made in April (dm)

Debtor obj, requests time to bring current<> ARREARS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am24-17040 / EJOScott E. Kaplan, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order to be SubmittedAtty holding an additional $965 which make debtor current through July (dm)
ADJ to 8/12/26 - Atty holding $1,254 and will have additional funds (dm)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am24-17373 / EJORobert C. Nisenson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedARREARS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am24-18719 / EJOWilliam P. Bonomo, Esq.Motion Relief from Stay (Fee)Continued
9/23/2026 9:00 am
Debtor obj<>DEUTSCHE BANK (LOGS)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am24-19293 / EJOJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnDebtor obj<>SV/FREEDOM MTG (pending Motion to Reinstate is uncontested)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am24-19293 / EJOJoan Sirkis Warren, Esq.Motion Reinstate StayGrantedMTN REINSTATE STAY/FREEDOM MTG
Email InquiryRequest
Adjournment
8/12/2026 9:00 am24-21293 / EJOLee M. Perlman, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>BANK OF AM (FRENKEL LAMBERT) car
Email InquiryRequest
Adjournment
8/12/2026 9:00 am24-22784 / EJOLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/23/2026 9:00 am
ADJ to 9/23 for MP at 100%

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-10796 / EJOStacey L. Mullen, Esq.Trustee Certification of DefaultTrustee Order***Trustee Order: $8,850 PTD, then $471 x 23 starting 9/1/26***

Debtor obj, will pay arrears through July<> ARREARS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-11169 / EJOJeanie D. Wiesner, Esq.Motion Relief from Stay (Fee)Continued
9/2/2026 9:00 am
Debtor obj<>LAKEVIEW LOAN (STERN LAVINTHAL)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-11189 / EJORobert Cameron Legg, Esq.Creditor Certification of DefaultContinued
9/2/2026 9:00 am
ADJ to 9/2 Peremptory
AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> NEWREZ (mccalla)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-11208 / EJORichard F. Fried, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/2/2026 9:00 am
Per AR, okay to ADJ to 9/2 - Atty needs to address feasibility (dm)

7/1/26 - Plan Denied - MP within 14 days to address Grassy Sprain Group

Per AR - ADJ to 6/10 - MP within 14 days (wants to MP to push increased tier out to July when debtor expects increased income that didn't happen in February when confirmed tier increased)

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

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

Motion to Extend Loss Mit granted - Loss Mit extended to 6/19/26 (dm)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-13173 / EJOLee M. Perlman, Esq.Motion Relief from Stay (Fee)Continued
9/2/2026 9:00 am
Debtor obj<>THE RINGS HOMEOWNERS ASSOC (MEZZACCA & KWASNIK)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-13483 / EJOJoseph Casello, Esq.Trustee Certification of DefaultContinued
9/23/2026 9:00 am
TFS $4,936 posted - still owes for Aug (dm)

Debtor obj, made $4936 payment<> ARREARS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-13668 / EJOJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/2/2026 9:00 am
AMT: MP 8/12<> Needs Resolution

Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-14612 / EJOAndy Winchell, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>ALLY BANK (STEWART) car
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-14968 / EJOMoshe Rothenberg, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Withdrawn8/12 AMT: STATUS CH FILED THIS MORNING/MTN WITHDRAWN<>

Trustee OBJ
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-15492 / EJOMarc C. Capone, Esq.Motion Relief from Co-Debtor StayContinued
9/2/2026 9:00 am
NEWREZ (HILL WALLACK)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-15917 / EJOAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)WithdrawnAMT: PPTY SOLD 7/15/26 - MTG CLM PD AT SALE<>

Debtor obj<> CITIZENS BANK (WELTMAN)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-15917 / EJOAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/2/2026 9:00 am
AMT: NEEDS TO ADDRESS PLAN ARREARAGE<>
SV RESOLVED, PPTY SOLD 7/15/26 - MTG CLM PD AT SALE<>

Debtor obj, selling home<> SV/LAKEVIEW
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-15971 / EJORoger J. Yehl, Esq.Motion Relief from Stay (Fee)Continued
9/2/2026 9:00 am

PARTIES TO WORK OUT TERMS OF SETTLEMENT ONE MONTH RENT TO BE MADE
OTBS BY LL
AR NOTE PARTIES RESPONDED TO CHAMBERS INQUIRY
Debtor obj; Creditor response<>CLINTON WOODS/LANDLORD
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-17166 / EJOJohn Zimnis, Esq.Motion Relief from Stay (Fee)Continued
9/2/2026 9:00 am
8/10/26 - Peter emailed KML the settlement statement showing mortgage has been paid (dm)

Debtor obj<>NEW JERSEY HOUSING AND MTG FINC (KML)
AR PTY SOLD 8-5 , CLOSING STMT SUBMITTED , FUNDS DID NOT POST AS OF 8-7
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-17411 / EJOGeorge E. Veitengruber, III, Esq.Motion Relief from Co-Debtor StayOrder to be SubmittedPHH ASSET SERVICES (STERN & EISENBERG)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-17661 / EJODaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
11/25/2026 9:00 am
Debtor obj<>FAILED TO LM BY 6/1/26

App to Extend Loss Mit filed 8/5/26 (dm)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-18247 / EJODavid G. Beslow, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/2/2026 9:00 am
Debtor obj<>FAILED TO COMPLY WITH CONF PROVISION TO FILE POC & MTNS RE BALA & MIDLAND; FAILED TO ADDRESS TREATMENT FOR CENTRAL JERSEY FCU PPSD IN PLAN AS SEC,BUT CRED FILED GUC CLMS #25,26, 27
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-18716 / EJOPeter E. Zimnis, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>M&T BANK (McCALLA)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-18992 / EJOJustin M. Gillman, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnMOOT - motion filed 6/30/26 and amended POC (9-2) filed 7/13/26 - estimated tax removed (dm)

MTN TO MODIFY CLM 9-1
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-18992 / EJOJustin M. Gillman, Esq.Trustee Certification of DefaultTrustee Order***Trustee Order: $3,729 PTD, then $656 x 49 starting 8/1/26, debtor shall sign-up for TFS auto pay and provide proof of enrollment within 14 days***

TFS processing $400 for 6/30/26 and Motion to Modify POC 9 scheduled for 8/12/26 (dm)

Debtor obj<> ARREARS (amt: also NJ #9-1U is estimated)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-19070 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/23/2026 9:00 am
AMT: LOSS MIT EXT 8/3/26<>

Debtor obj, filing for loss mit extension<>FAILED TO LM BY 12/31/25

Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-19396 / EJOJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnAMT; MP 8/12 >>> Honor Roll

Debtor obj<>SV/MIDFIRST BANK; ARREARS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-19498 / EJODaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Continued
9/23/2026 9:00 am
Debtor obj<>CAPITAL ONE AUTO (STEWART)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-19498 / EJODaniel E. Straffi, Esq.Trustee Certification of DefaultContinued
9/23/2026 9:00 am
Debtor obj<> ARREARS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-19498 / EJODaniel E. Straffi, Esq.Creditor Certification of DefaultContinued
9/23/2026 9:00 am
AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj, requests recap<> FREEDOM MTG (Brock & Scott)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-19577 / EJOSteven J. Abelson, Esq.Motion Sell Free and Clear of Liens under 363(f) (FEE)GrantedCountry Village obj ***WITHDRAWN***(Stein, Supsie); US Bank limited response **WITHDRAWN**(AS)<>PROPERTY #5
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-19855 / EJODonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnMP Conf >>> HR

Debtor obj<>PLAN WAS DENIED ON 7/20/26 AND FAILED TO FILE A MP IN 14 DAYS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-20839 / EJOJohn Zimnis, Esq.Motion Relief from Stay (Fee)GrantedCAPITAL ONE AUTO (STEWART)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-21543 / EJOGeorge E. Veitengruber, III, Esq.Motion Relief from Stay (Fee)Continued
9/2/2026 9:00 am
Debtor obj, made pymts<>HSBC BANK (STERN & EISENBERG)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-22017 / EJOPeter E. Zimnis, Esq.Creditor Certification of DefaultConduit / OTBSAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> NEW REZ (mCcALLA)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-22017 / EJOPeter E. Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnCOD is going Conduit
Debtor obj<>ARREARS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-22089 / EJOJohn A. Underwood, Esq.Creditor Certification of DefaultOrder to be SubmittedOTBS - conduit on future default (dm)

AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> RUSHMORE ( Pluese Becker)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-22189 / EJOJonathan Stone, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order to be SubmittedOTBS - new Conf date will be 9/23 (dm)

ATTY SUBMITTED PROOF OF 535 FUNDS
ADJ to 8/12 Peremptory - all 341 docs are in by 8/7/26, and 341 scheduled, and evidence of Trustee payments available (dm)

ADJ to 7/22 for 341 Docs - $1,400 is in our suspense account
Trustee OBJ
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-22662 / EJOMatthew Gross, Esq.Motion Relief from Stay (Fee)GrantedROCKET MTG (Mccalla)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am25-23410 / EJOMarc C. Capone, Esq.Motion File Claim After Claims Bar DateGrantedMTN ALLOW LATE POC/TRYSTONE CAP, TOWER FUNS AND US BANK GLOBAL
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-10011 / EJOJoan Sirkis Warren, Esq.Motion Relief from Co-Debtor StayGrantedDebtor obj (***WITHDRAWN***)<>STRUCTURED ASSET MTG (McCALLA)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-10011 / EJOJoan Sirkis Warren, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>ALLY CAPITAL (McCALLA)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-10171 / EJOJeanie D. Wiesner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
9/23/2026 9:00 am
MP Conf

Did Debtor receive the Trial Mod? Yes (dm)

Debtor qualifies for Trial Payment on a Partial Claim (dm)

Debtor obj<>PLAN WAS DENIED ON 5/20/26 AND FAILED TO FILE A MP IN 14 DAYS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-10425 / EJOMark N. Glyptis, Esq.Motion Motion (Generic) - Only use if no other event is applicableGrantedMTN REDUCE INTEREST RATE AUTO LOAN/LOANMAX
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-10628 / EJOKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnamt: MP 8/12 >>> HR

Debtor obj<>PLAN WAS DENIED ON 3/18/26 AND FAILED TO FILE MP
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-10660 / EJOHerbert K. Ryder, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedPLAN WAS DENIED ON 7/1/26 AND FAILED TO FILE MP
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-10679 / EJOJames J. Cerbone, Esq.Motion Relief from Co-Debtor StayGrantedSELENE FINC (RAS)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-10999 / EJOLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnAMT: CONF 8/12*>>> HR


Debtor obj<>PLAN WAS DENIED ON 4/29/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-11177 / EJOMarc C. Capone, Esq.Motion Relief from Stay (Fee)Order to be SubmittedDebtor obj<>ALLY CAPITAL (McCALLA)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-11217 / EJODaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Order Previously SubmittedDebtor obj<>CARRINGTON MTG (FRIEDMAN)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-11252 / EJOFrederick J. Simon, Esq.Motion Relief from Stay (Fee)GrantedCAPITAL ONE (STEWART)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-11522 / EJOCandyce I. Smith-Sklar, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToMootADJ to 7/1 - AR to give Atty contact at IRS for consent order (dm)

Advised Atty that IRS amended its POC after motion was filed ... numbers in the proposed order and the amended POC don't match (dm)

Tr obj; IRS obj<>MTN EXPUNGE IRS CLM
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-11718 / EJOJonathan Goldsmith Cohen, Esq.Motion SellGrantedPROPERTY #2
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-11787 / EJOMaryBeth Schroeder, Esq.Motion Relief from Stay (Fee)Order to be SubmittedOTBS - 6-month cure

Debtor obj<>CITIMTG (POWERS)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-12045 / EJOLaurence R. Sheller, Esq.Motion Relief from Stay (Fee)Continued
9/2/2026 9:00 am
Debtor obj<>SANTANDER BANK (EISENBERG)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-12848 / EJORobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Continued
9/23/2026 9:00 am
Debtor obj<>ONITY MTG (LOGS)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-13119 / EJOJustin M. Gillman, Esq.Motion Relief from Stay (Fee)GrantedMERCEDES-BENZ (EISENBERG)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-13364 / EJOAndy Winchell, Esq.Motion Relief from Stay (Fee)WithdrawnNAVY FEDERAL CREDIT UNION (FEIN, SUCH)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-13368 / EJORobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Continued
9/23/2026 9:00 am
CAMERON WILL SUBMIT SCH ORDER OTBS
AR NOTE
LENDER POST PET 8240 LAST PAY 4-1-26 4000 APPLIED
LOAN APP PER DEBTOR - NO LOSS MIT APP SUBMITTED

Debtor obj<>TH MSR HOLDINGS (ALBERTELLI LAW)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-13892 / EJOErik Frins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyDismissedDEBTOR'S PLAN DENIED ON 7/1/26 FAILED TO FILE MP
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-14104 / EJORonald E. Norman, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Order to be SubmittedOTBS - July & Aug payment within 10 days and Conf set for 9/23/26 (dm)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-14348 / EJODouglas G. Mitchell, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyMoot - DismissedRESCHEDULED CONF FOR 7/22 - dismissed again
ORDER VACATING DISMISSAL ENTERED 6/4/26
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-15051 / EJOJames J. Cerbone, Esq.Motion Relief from Stay (Fee)GrantedM&T BANK (FITZPATRICK)
BOAT

James Cerbone waives mail service - MFR can be granted (dm)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-15210 / EJODaniel E. Straffi, Esq.Motion Relief from Stay (Fee)GrantedDebtor obj, refinancing<>SELENE FINC (FRIEDMAN)
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-15463 / EJOEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToContinued
9/2/2026 9:00 am
MTN EXPUNGE CLM 3
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-16893 / EJODavid Jerome Witherspoon, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Granted
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-17781 / EJOPRO SEMotion for Waiver of Credit CounselingMoot - DismissedNO PROPOSED ORDER SUBMITTED
2 PRIOR CASES DISMISSED FAILURE TO FILE DOCS , PROSPECTIVE RELIEF GRANTED IN PRIOR CASE
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-17808 / EJODavid G. Beslow, Esq.Order Shorten TimeDeniedAtty will file a Motion to Reimpose Stay
NO BRIDGE ORDER EVER SUBMITTED & STILL MISSING 341 DOCS (dm)
ADJ to 8/12 with Bridge Order
Cert of Service - Doc #8 (dm)

OST - MTN TO CONTINUE STAY
AS OF 7-16 MISSING SCH , NO PLAN AND NO 341 DOCS
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-17973 / EJODavid G. Beslow, Esq.Motion Extend TimeContinued
9/23/2026 9:00 am
ADJ to 9/23 - Atty to submit a Bridge Order
MTN EXT STAY
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-18137 / EJOJames J. Cerbone, Esq.Motion Impose Automatic StayContinued
9/2/2026 9:00 am
US Bank obj (Friedman Vartolo); Metra Industries obj (Scura)<>MTN IMPOSE STAY
AR DEBTOR NEEDS TO SHOW FEASIBILITY AND HOW IS METRA BEING PAID PER NOTE TOTAL CLAIM PER POC 125K
Email InquiryRequest
Adjournment
8/12/2026 9:00 am26-18382 / EJOEugene D. Roth, Esq.Order Shorten TimeContinued
9/2/2026 9:00 am
ADJ to 9/2 - Atty to submit a Bridge Order
OST - Motion to Extend Stay
Email InquiryRequest
Adjournment
8/12/2026 10:00 am22-13660 / EJOThomas J. Orr, Esq.Confirmation Hearing on Modified PlanContinued
9/23/2026 10:00 am
Debtor has made 38 of 51 required payments   Arrears: $7,188.00
AS OF 8/5/26 (SF)

1) Trustee OBJ:
- MP does not pay required $31,978 threshold dividend to GUCs per confirmed plan.
- MP does not address $6,356 arrears as MP filed.
- Need updated proof of income. (RECEIVED FOR SPOUSE. NEED TO RESEND PROOF OF SOCIAL SECURITY INCOME. SUBMITTED AS A SECURED DOCUMENT THAT CANNOT BE OPENED)

2) Trustee motion to dismiss scheduled for 8/12 at 9


Confirmed Case: $2,620 PTD, $960 x 56, Base Plan with $31,978 Min Div
Prop. MP: $42,731.75 PTD, $300 x 11, Base Plan
- debtor has health issues ... approved for SSD.
PTD = $42,731.75, Arrears $6,356 as MP filed in July.
Last Claim (17-2) dated 12/31/24
Email InquiryRequest
Adjournment
8/12/2026 10:00 am24-16121 / EJORobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 20 of 26 required payments   Arrears: $369.00
ISSUES AS OF 7/31/2026 (DM): Atty accepts terms

***MP proposes to reduce plan term to 37 months. If paying IRS POC (5-2) as filed, THEN TO CONFIRM THE DEBTOR NEEDS $7,219 PTD, THEN $369 x 12 STARTING 8/1/26, 0% PLAN, IRS POC (5-2) SHALL BE PAID AS FILED***

1) MP provides $893.25 and $2,084 priority treatment to the IRS - creditor filed amended POC (5-2) that includes a $4,817.36 priority claim. (PAY PER POC??)


Confirmed Case: $6,314 Ptd, $313 x 37, Base Plan
Prop. MP: $313 x 13, $0 Plan.
- surrender Ford Edge.
PTD = $7,219, Arrears $43 as MP filed in June.
Last Claim (23-1) dated 6/15/26
Email InquiryRequest
Adjournment
8/12/2026 10:00 am24-22784 / EJOLee M. Perlman, Esq.Confirmation Hearing on Modified PlanPlan DeniedDebtor has made 12 of 20 required payments   Arrears: $31,480.00
Plan Denied - Atty to file MP to pay 100%
AS OF 8/6/26 (SF)


1) Trustee OBJ:AR MUST RESOLVE ALL BELOW OR DISMISS
- MP does not pay required $58,750 threshold dividend to GUCs per confirmed plan.
- MP does not address $26,580 arrears as MP filed.
- Need amended Sch I&J.
- Need updated proof of income.
- Need 2025 tax return.

2) Trustee motion to dismiss scheduled for 8/12 at 9


Confirmed Case: $15,425 PTD, $4,900 x 55, 100% Plan with $58,750 Min Div
Prop. MP: $54,945 PTD, $2,500 x 17, $3,176 x 26, Base Plan
- adjusting payment due to debtor disposable income decrease.
PTD = $57,445, Arrears $26,580 as MP filed in July.
Last Claim (16-2) dated 11/24/25
Email InquiryRequest
Adjournment
8/12/2026 10:00 am25-13668 / EJOJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanContinued
9/2/2026 10:00 am
Debtor has made 8 of 16 required payments   Arrears: $4,018.00
As of 8/11/26 (DS): Debtor atty requested adj to allow time to provide updated POI without stock deductions

As of 8/10/26 (DS): 1. DEBTOR HAS NOT MADE ANY TRUSTEE PAYMENTS SINCE JUNE, ARREARS $5,094. DEBTOR WAS TO BEGIN NEW TRUSTEE PAYMENT $538 7/1/26 AND NONE/ MADE PYMT POSTED 8-7

2. Trustee OBJ: PROOF OF INCOME PROVIDED VERIFIES INSUFFICIENT, DISPOSABLE INCOME VERIFIES $189, PLAN PROPOSE $538. DEBTOR ATTY EMAILED THAT THE SPOUSE HAD ACCIDENTALLY TAKEN DEDUCTIONS FOR EMPLOYEE STOCKS, WHICH VARIES FROM $353-411PER POI PROVIDED. WHEN REVIEWED IT IS DEBTOR WHO HAS THESE DEDUCTIONS, NOT SPOUSE, ATTY INFORMED IT IS DEBTOR AND THAT DEDUCTIONS HAVE STOPPED AFTER 7/31/26 PAY STUB, SO THIS WAS RECENT AND NO POI CAN BE PROVIDED UNTIL AUGUST.
- Need amended Sch I&J.
- Need updated proof of income.
- Need 2025 tax return.


MP Prop $5,174 PTD, $538 x 46, Dollar Base $21,096
- Expenses have changed due to birth of a child.
NOTE: AMENDED SCHED I & J FILED AND 2025 TAX RETURN AND POI FROM BOTH DEBTOR AND SPOUSE PROVIDED.
PTD = $5,174, Arrears $3,492 as MP filed in June.
Email InquiryRequest
Adjournment
8/12/2026 10:00 am25-18000 / EJORobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 7 of 20 required payments   Arrears: $591.00
ISSUES AS OF 7/31/2026 (DM): Atty accepts terms

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $6,511 PTD, THEN $1,062 x 41 STARTING 8/1/26, 0% PLAN, TRUSTEE SHALL PAY IRS PRIORITY POC (6-1) AS FILED, SUPPLEMENTAL FEE APP SHALL BE FILED WITHIN 7 DAYS***

 $1,082 TFS payment pending - ADJ to 8/12 for payments to post - OTBS on Cap One (dm)

1) Capital One (Stewart Legal) amended OBJ to surrender of 2007 BMW 3 in full satisfaction. (CO ENTERED)

 7/1/26 - Cameron is checking on the payments and agrees that $1,082 is needed to fund the plan per month (dm)

2) MP provides $98.75 priority treatment to the IRS - creditor filed POC (6-1) in the amount of $37.04 priority and $97.84 unsecured - this mirrors POC (10-2) filed in the companion case (PAY PER POC?? - Yes)

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

 Companion case of Philip Morey (24-22706) was confirmed to pay 100% including joint debts of this debtor Michele Morey. Companion case was dismissed 1/14/26. Note - this debtor is not on the Deed to the property which created the threshold in the companion case.


Confirmed Case: $1,066 Ptd, $628 x 50, 0% Plan
- companion case #24-22706 (case dismissed 1/14/26).
Prop. MP: $533 x 2, $628 x 5, $885 x 53, $0 Plan.
- adding Jefferson Capital for Cadillac.
PTD = $6,511, Arrears $975 as MP filed in May.
Last Claim (18-1) dated 6/15/26
Email InquiryRequest
Adjournment
8/12/2026 10:00 am25-19396 / EJOJames J. Cerbone, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 7 of 11 required payments   Arrears: $0
AS OF 8/6/26 (SF)

RECOMMEND $9700 PTD; $729 X 59 (BEGIN 9/1/26) 100% PLAN W/MIN DIV OF $99,949 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE
- STUDENT LOANS TO BE PAID OUTSIDE PLAN



Trustee motion to dismiss scheduled for 8/12 at 9

MP proposes $729 x 60 100% Plan
Pays student loan outside plan
Plan has run 11 months with 49 months remaining
Arrears: $2975 thru July


Email InquiryRequest
Adjournment
8/12/2026 10:00 am25-19498 / EJODaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanContinued
9/23/2026 10:00 am
Debtor has made 2 of 11 required payments   Arrears: $4,453.00
As of 8/6/26 (DS): 1. MFR filed by Capital One Auto, Debtor owes post-pet arrears $5,354.82 from 10/15/25-6/15/26. Sched 8/12/26, need outcome.

2. Cert of default filed by Freedom Mtg, Debtor in default from 5/1/26-7/6/26 total $6,360, sched 8/12/26, need outcome.

3. Mod Plan fails to mention and add arrears owed to Capital One $20, Freedom Mtg $4,706.63 and post-pet arrears to Freedom Mtg $10,538.48 plus mtg atty fees $699. List both creditors as outside and unaffected.

Trustee OBJ resolved, amended Sched I &J filed, 2025 tax return and POI provided.

MP Prop $1,400 PTD, $615 x 51, Base Plan - Extends plan from 36 to 60 months
NOTE: 2025 TAX RETURN AND PAY STUBS PROVIDED, PLUS AMENDED SCHED I & J FILED 8/2.
PTD = $2,015, Arrears $3,312 as MP filed in June.
Email InquiryRequest
Adjournment
8/12/2026 10:00 am25-19855 / EJODonald C. Goins, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 8 of 11 required payments   Arrears: $409.00
ISSUES AS OF 7/31/2026 (DM):

***RECOMMEND CONFIRMATION AT $5,908 PTD, THEN $793 x 50 STARTING 8/1/26, BASE PLAN WITH $2,000 MINIMUM DIVIDEND TO GUCs, TRUSTEE IS AUTHORIZED TO PAY THE LATE POC (18-1) FILED BY THE IRS***

1) Trustee OBJ:
- Form 22C has disposable income $1,373.53 which requires an $82,411 minimum dividend to GUCs. (MP IS IN ACCORDANCE WITH VERIFIED I&J)

***RESOLVED ISSUES***

A) New Rez LLC/Shellpoint (Hill Wallack) OBJs - $4,176.09 arrears on real estate (CONSENT ORDER ENTERED.)

B) Debtor Atty withdrew priority POC (17-1) filed on behalf of the IRS - IRS then filed $25,997.43 late priority POC (MP PAYS)

C) MP removes secured treatment to Borough of Carteret that was filed by the Debtor Atty (NEED TO WITHDRAW POC 13-1. Withdrawn)

D) MP changes treatment of NJ Pipe Doctor filed by the Debtor Atty from secured to unsecured (NEED TO AMEND POC 15-1. Amended)

E) Hyundai Capital filed $7,911.80 general unsecured claim for a vehicle lease that has no arrears - debtor is co-signor for her daughter (NEED A MP TO SURRENDER OR TREAT CLAIM OUTSIDE THE PLAN. MP treats outside)

F) Trustee OBJ:
- Need a copy of the 2024 tax return (RECEIVED - NO REFUND.)
- Need amended Sch A/B and C to correct amount in Wells Fargo Bank acct - has $3,620 due to equity issues (AMENDED.)
- Excessive Expense: food $750, and car payment $638.31 (RESOLVED - ALLOWED FOR HOUSEHOLD OF 3.)
- There is $25,855 estimated non-exempt equity in the residence pending all claims or statements provided and Wells Fargo acct pending amended Schedules. NON-EXEMPT EQUITY IS $25,515.43. TWO CLAIMS NOT LISTED ON LIQUIDATION ANALYSIS. DUE TO ADDITIONAL CLAIMS, THE NON-EXEMPT EQUITY IS REDUCED TO $6,331.48 (AMENDED SCH C FILED TO FURTHER REDUCE TO $0.)
- Must provide all liens on real property, if no claims are filed (POCs 13, 14, 15, 16 & 17 WERE ALL FILED BY DEBTOR'S ATTY WITH NO PROOF OF LIENS ATTACHED - ISSUE IS MOOT NOW THAT IRS FILED $23k PRIORITY CLAIM - NO EQUITY IN REAL ESTATE WHEN THOSE CLAI
Email InquiryRequest
Adjournment
8/12/2026 10:00 am25-22326 / EJOMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 9 of 9 required payments   Arrears: $0
AR RESOLVE OR HOLD
6/23 workup EDC

OK to confirm at:
$8400 paid then 900 x 52 beg 8/1/26 pro rata



This amount does not include any trustee objection for the expenses so this is the best case scenario for the debtor. $1620 x 60 = $97,200 into plan total. Sincd the debtor has only paid in $7500 over 9 month (including $1800 in arrears) we would need $1758 x 51 remaining.

- FYI NEEDS $2725 TO BE 100%

* Trustee objection:
-- - The debtor has failed to file the required Pre-Confirmation Certification .
-- 22C Line 35 has Priority $22,910.90, Plan has total $16,703.87, which is less, Line 43
-- Cell phone $337.89, Car payment $767.85, Storage Unit $184.94 (sent proof but debtor car expense IS HIGH)
-spouse expenses $1,834. Must provide proof of expenses 10 days prior to confirmation.
- Line 45 has disposable income $2,480.80, which would require min. div. $148,848 or more
pending review of expenses. OK TO USE I & J


Plan $1200 x 60
Email InquiryRequest
Adjournment
8/12/2026 10:00 am25-23059 / EJOJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0
Confirm at $1,380 paid, $504 x 56 begin 9/1/26; 100% to gucs

100% CASE
As of 8/7/26 (DS): 1. Debtor is in arrears $920, made 2 out of 4 payments, last payment made $460 on 7/10/26. ATTY PROVIDED TFS PAYMENT $460 MADE 8/3/26

2. Trustee obj to the following:
- Must provide statement showing the value of the lottery annuity and March and April statements for Bank of America acct#697. (OPENED IN MAY - NO MARCH STATEMENT)
- Sched J has excessive expenses for $400 Utilities, $400 Clothing, $400 Entertainment and $1,090 Car payment. Must provide proof of expenses 10 days prior to confirmation. Due to excessive expenses will need to deduct and permit what Trustee allows as such expense. Disposable income now verifies $558.

Prop Plan $460 x 60 begin 5/1/26; 100%
Email InquiryRequest
Adjournment
8/12/2026 10:00 am25-23222 / EJORobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanContinued
9/2/2026 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $400.00
AR RESOLVE OR HOLD
ISSUES AS OF 8/7/2026 (DM):

***Need a copy of the Listing Agreement and need Motion to Appoint Realtor***

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


***RESOLVED ISSUES***

A) Capital One Auto Finance (Gavin Stewart, Esq) OBJs - creditor reserves rights to amend its claim for an unsecured deficiency balance on the 2020 Dodge Challenger. (CO ENTERED)

B) Capital One Auto filed a bifurcated claim ON 2022 Mitsubishi Outlander that needs to be addressed (MP SURRENDERS IN FULL SATISFACTION - CHECK TO SEE IF GAVIN STEWART ALSO OBJs ON THIS TREATMENT - no objection filed)

C) Trustee OBJ:
- There is $82,687 non-exempt equity in the residence. (100% PLAN)
- There is $2,160 non-exempt equity in the bank accounts. (100% PLAN)
- Need a copy of 2024 tax return. (RECEIVED)


Prop. Plan $200 x 36, 100% Plan
- sale of real estate within 6 months.
PTD 6/8 = $1,200
Last Claim (17-1)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am25-23509 / EJOJustin M. Gillman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 14 of 8 required payments   Arrears: $0
ISSUES AS OF 8/9/2026 (DM): updated 8/10/26

***If Lakeview OBJ gets resolved, TRUSTEE WOULD RECOMMEND (Low Base) CONFIRMATION AT $7,000 PTD, THEN $500 x 52 STARTING 9/1/26, BASE PLAN WITH $141,649 MINIMUM DIVIDEND TO GUCs BASED UPON EQUITY IN PERSONAL ASSETS, PLUS ALL NON-EXEMPT PROCEEDS FROM THE SALE OF THE NORTH MAIN STREET PROPERTY BY 10/31/26, STUDENT LOANS SHALL BE TREATED OUTSIDE THE PLAN, NO PAYMENT OR RESERVE BY THE TRUSTEE ON LAKEVIEW LOAN POC (12-1) PENDING THE SALE, OTBS BY LAKEVIEW WITHIN 30 DAYS, TRUSTEE IS AUTHORIZED TO PAY FOURLEAF FCU LATE ARREARS POC (14-1) FOR $25, FEE APP SHALL BE FILED WITHIN 7 DAYS***

 MFR of Lakeview Loan (STERN E) marked OTBS on 7/22/26 - NEED TERMS

1) Lakeview Loan (KML) OBJs - MP changes treatment to pay arrears of 2/19/26 consent order - sale is speculative. (OTBS)

2) Trustee Supp OBJ:
- In addition to providing for all non-exempt proceeds from the sale of real estate, the Modified Plan should also provide for a $141,649 minimum dividend to general unsecured creditors based upon the steady depletion of the non-exempt portion of the digital asset reflected in Support Certification filed as Document #28 and Schedules B & C.

3) Trustee OBJ:
- Must provide the following documents: Four Leaf acct#4958, Exodus acct#F231, Pi acct #6LMZ, Robinhood acct#6012, Trezor acct#wpw4 (DOC #28 & $53,588 SCREENSHOT UPLOADED), and Xaman acct#5QPV prior to filing date (UNRESOLVED.)
- Must provide the value of Co-Debtor 33% interest in SRT Marketing LLC (DOC #28 - NEED DISBURSEMENT PAYMENTS FOR 4 MOST RECENT QUARTERS FOR SRT.)

***RESOLVED ISSUES***

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

B) Trustee Supp OBJ:
- The Trustee verified the $2,000 disposable income in the first tier of the original plan filed by the debtors. The current filed Modified Plan proposes to immediately reduce the plan payment to $500 per month. Consequently, the Trustee needs to re-verify disposable income. The debto
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-10011 / EJOJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 4 of 7 required payments   Arrears: $216.00
AR RESOLVE OR HOLD
ISSUES AS OF 8/5/2026 (DM): updated 8/12/26

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $1,750 PTD, THEN $566 x 30 STARTING 8/1/26, BASE PLAN, OTBS ON ALLY CAPITAL OBJECTION WITHIN 30 DAYS, PART 8c IS AMENDED FOR THE TRUSTEE STANDARD ORDER OF DISTRIBUTION***

1) Ally Capital (MCCALLA) OBJs to cram of 2017 Chevy Silverado. (OTBS)

2) Trustee OBJ:
- Need amended Sch C to take exemptions on residence (SURRENDERED) and Fulton Bank.
- There is $1,269 non-exempt equity in the residence and $351 in Fulton Bank.
- Trustee standard order of distribution (OKAY TO ADD??)

***RESOLVED ISSUES***

A) Structured Asset Mortgage/US Bank (McCalla Raymer) OBJs - $202,229.88 arrears on real estate (PER LENDER ATTY, NOT CURRENT ON PP PAYMENTS SO REFI UNLIKEY - ALSO NO EQUITY IN PROPERTY. MP surrenders the property)

B) Trustee OBJ:
- Need copy of 2025 tax return (RECEIVED.)
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED


Prop. Plan $350 x 36, Base Plan
PTD 5/7 = $1,750
Last Claim (8-2)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-10044 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
9/2/2026 10:00 am
Debtor has made 12 of 7 required payments   Arrears: $0
ADJ to 9/2 for interim order on OBJ #1 below (dm)
ISSUES AS OF 8/5/2026 (DM): only $1,413 GUCs.

 Adv. Pro. was NOT settled through mediation. Trial currently scheduled for 4/27/27.

1) David James (CAROL KNOWLTON) OBJs - $432,012.79 secured judgment lien not treated in the plan (UNRESOLVED.)

2) Trustee OBJ:
- There is $32,475 non-exempt equity in the residence - if paying David James judgment lien there is no equity (BAR DATE EXPIRED AND ONLY $1,414 GUCs FILED.)
- Excessive Expense: 2nd mtg payment $1,700 - per POC mtg is $1,262.
- Disposable income will be $507 when deducting the difference (DISPOSABLE INCOME NO ISSUE DUE TO NEEDING MORE TO FUND THE PLAN TO PAY NON-EXEMPT EQUITY, UNLESS IT CHANGES.)


Prop. Plan $200 x 60, Base Plan
PTD 7/7 = $2,332
Last Claim (7-1)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-10171 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 9 of 7 required payments   Arrears: $3,525.00
ADJ to 9/23 Peremptory for copy of Bonus check
AR RESOLVE OR HOLD
ISSUES AS OF 8/7/2026 (DM):

***Still need 2025 tax returns (UPLOADED 8/10). Disposable income is still significantly higher than scheduled - need a copy of the Bonus check so I can try and prorate the amount over a 12-month period. Without it, the most recent pay stub from May is showing $82,948.07 YTD Net or $16,589 per month average***

1) State of NJ filed $16,323.91 amended secured claim not treated in the plan. (OKAY TO PAY??)

2) Mt. Holly MUA filed $442.32 secured claim not treated in the plan - in the MP as a priority. (OKAY TO PAY??)

3) Trustee OBJ:
- Need 2025 tax return. (UNRESOLVED)
- Excessive Expense Sch J: $620 Medical/dental and $987 Car payment (AMENDED SCH J CHANGED MEDICAL EXPENSE TO $400.)
- Disposable income verifies at $8,791 per month - debtor failed to prorate bonus income. Case is above median - once all claims are resolved, I will review and determine what the disposable income is on Line #45.

***RESOLVED ISSUES***

A) IRS filed $59,399.91 priority claim that includes estimated taxes for 2025 (AMENDED TO $82,628.63.)

 MFR filed by Freedom Mortgage (BROCK) pending. (CO SUBMITTED - $29k ARREARS TO BE CAPITALIZED INTO LOAN MOD IF APPROVED)

B) Freedom Mtg (BROCK) OBJs - $58,048.31 arrears on real estate. (CO ENTERED TO PAY. MP CHANGES TREATMENT TO NO PAY - DEBTOR RECEIVED A TRIAL MOD? - NO OBJ TO MP FILED)

C) Capital One Auto (GAVIN STEWART) OBJs - plan propose to pay 2023 Kia Telluride claim in full including interest. Claim is filed for a higher amount (MP CHANGES TREATMENT TO PAY JUST THE ARREARS - NO OBJ FILED TO THE MP.)

Note: Amended Sched A/B and C filed to add child support. HUD for sale of Nottingham and purchase of residence provided. Updated auto insurance provided.


Prop. Plan $2,500 x 2, $3,099 x 3, $1,614 x 55, Base Plan
- Loan Mod by 10/2026 (on Trial Plan)
- student loans outside plan.
PTD 5/7 = $14,000
Last Claim (4-2)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-10229 / EJOEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 1 of 7 required payments   Arrears: $100.00
ISSUES AS OF 8/7/2026 (DM): updated 8/10/26.

***Received POI for debtor's new contract with employer. TRUSTEE CAN RECOMMEND CONFIRMATION AT $700 PTD, THEN $2,410 x 54 STARTING 8/1/26, BASE PLAN WITH $51,665 MINIMUM DIVIDEND TO GUCs BASED UPON EQUITY THRESHOLD IN REAL ESTATE AND PERSONAL ASSETS, PART 8c IS AMENDED TO TRUSTEE STANDARD ORDER OF DISTRIBUTION, PRE-CONFIRMATION CERTIFICATION SHALL BE FILED WITHIN 14 DAYS***

 6/30/26: Atty emailed back ... will get updated CMA and POI to show feasibility. (dm)

1) Trustee OBJ:
- Debtor has insufficient income.
- Need a CMA with comparatives sold within 6 months of filing. (SAME CMA UPLOADED WITH AN EDITED PARAGRAPH TO ADDRESS NO COMPARABLE MIXED-USE SALES WITHIN 6 MONTHS)
- There is $46,160 non-exempt equity in the residence even using the CMA provided.
- There is $4,300 non-exempt equity in the 1978 Chevy.
- There is $1,205 non-exempt equity in the bank account.
- Need proof of income for Content Creation.
- Need updated insurance for 2019 Jeep and 1978 Chevy - policy provided expired.
- Plan proposes an order of distribution that departs from Trustee standard.
- Need to file Pre-Confirmation Certification. (UNRESOLVED)

***RESOLVED ISSUES***

A) Cross Country Mtg (McCalla Raymer) OBJs - $1,697.03 arrears on real estate (CO ENTERED)

B) Trustee OBJ:
- IRS filed an estimated claim which needs to be amended. (AMENDED)
- Need 2025 tax return by 5/31/26. (RECEIVED)


Prop. Plan $100 x 60, Base Plan
PTD 7/8 = $700
Last Claim (6-2)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-10425 / EJOMark N. Glyptis, Esq.Confirmation Hearing on Modified PlanWithdrawnDebtor has made 7 of 7 required payments   Arrears: $0
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-10502 / EJOPaul N. Mirabelli, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 6 of 7 required payments   Arrears: $1,330.00
ISSUES AS OF 8/4/2026 (DM):

***TO RESOLVE TRUSTEE OBJs, RECOMMEND CONFIRMING AT $1,900 x 60 STARTING 2/1/26, 100% PLAN WITH $137,737 THRESHOLD PRESERVED, SALE OF FRONT STREET PROPERTY BY 2/28/27, TRUSTEE SHALL RECEIVE ALL NON-EXEMPT PROCEEDS FROM SALE, TRUSTEE SHALL ONLY MAKE $1,700 ADEQUATE PROTECTION PAYMENTS TO MTG ASSETS MANAGEMENT ON POC (1-1) PENDING THE SALE, DEBTOR SHALL RESUBMIT A PROPERLY SIGNED CERTIFICATION IN SUPPORT OF CONFIRMATION WITHIN 7 DAYS***

 Motion to Expunge POC (2-1) of Pinnacle Credit scheduled for 7/22/26. (ORDER ENTERED 7/22/26, BAR DATE HAS EXPIRED AND NO GUCs TO PAY)

 7/17/26 (DS): Per Debtor's Cert he sold 6 properties from 2024-2025 and did not provide any HUD settlement closing docs and state the amount that was received for any of the properties. Also, Debtor's Cert is not dated and signed.

1) MTG Assets (LAURA EGERMAN) OBJs - plan is silent as to $946,763.11 arrears (total debt) to be paid in the event the sale is not successful. (C/O ENTERED 7/21/26 - SALE BY 2/28/27, ADEQ. PROT PYMTS $1,710)

2) Trustee OBJ:
- Excessive Expenses Sch J: Electricity/gas/heat $800, and Life insurance $550. Debtor Atty provided bank acct expense report printout info, but Trustee requires monthly billing statements from utilities and insurance showing monthly payments and not just the winter bills for utilities, need average. (MOOT - NO GUCs TO PAY)
- There is $137,737 non-exempt equity in the residence. (BAR DATE HAS EXPIRED AND THERE ARE NO GUCs TO PAY)
- Plan propose $1,710 adequate protection payments to MTG Assets, Trustee requires order to allow Trustee to pay. (CO ENTERED)
- Add to confirming order non-exempt proceeds from sale of Front St to Trustee.

Note: Homeowner insurance for Front St and auto insurance for 2002 Chevy provided in Debtor's cert.


Prop. Plan $1,900 x 60, Base Plan
- sale of Front St by 2/2027
PTD 6/7 = $11,400
Last Claim (2-1)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-10628 / EJOKevin C. Fayette, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 7 required payments   Arrears: $0
ISSUES AS OF 8/4/2026 (DM): Atty accepts terms

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $7,500 PTD, THEN $1,500 x 46 STARTING 8/1/26, 100% PLAN WITH $586,326 THRESHOLD PRESERVED, DEBTOR SHALL SIGN-UP FOR TFA AUTO PAY AND PROVIDE PROOF OF ENROLLMENT WITHIN 14 DAYS***

1) Shellpoint (GAVIN STEWART) OBJs - $50,993.58 arrears on Burning Tree Ln property. (MP PAYS ARREARS)

2) Rocket Mortgage (ALEISHA JENNINGS) OBJs - plan silent as to treatment of Clayton Ave property, not on Schedules or Plan, POC filed with arrears $1,683.66. (MP SURRENDERS PROPERTY)

3) IRS filed estimated tax claim for 2020-2024 tax returns. (AMENDED CLAIM FILED - NO ESTIMATED TAXES)

4) Ally Capital - 2018 Jeep Debtor co-signed filed arrears claim for $963.79. (MP PAYS ARREARS)

5) Santander - 2018 Nissan filed much higher claim in the amount of $3,032.66. (MP PAYS ARREARS)

6) Trustee OBJ:
- There is $8,227 non-exempt equity in the business, $70 in bank acct#8358, $875 in Jewelry, $1,525 in the vehicle, $244,372 in the residence, $234,791 in the Park Lane property, and $96,466 the Johnson property for a total of $586,326. (100% PLAN)

Note: MP filed to surrender Clayton Ave property and add arrears owed to Shellpoint, Ally and Santander.


Prop. Plan $1,500 x 52, 100% Plan
PTD 5/7 = $7,500
Last Claim (2-2)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-10999 / EJOLee M. Perlman, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 7 of 7 required payments   Arrears: $0
updated 8/11/2026 (JMA)
issues as of 8/6/2026

To confirm need $285x12 begin 2/1/2026, $678x24 begin 2/1/2027 base plan

1) Sun West Mortgage Company, Inc (Powers Kirn, LLC) objection to confirmation - ORDER RESOLVING OBJECTION
- Per Order debtor to pay $1,980.77 through plan
2) Trustee objection to confirmation - RESOLVED
- Modified plan filed and proposes $285x12, $678x24 pro rata distribution from any remaining funds.
- The debtor has failed to supply the Trustee with the following document(s): A current market analysis with recent comps. CMA is dated 6/9/25, 3 comps provided are from 1/10/25-3/13/25. Zillow values home to be $476,300 - PROVIDED CMA VALUE OF $440,000 (COMPS PROVIDED AVERAGED $486,666.) NEED TO RESOLVE
- Robinhood crypto acct statement, Charles Schwab and Robinhood stocks statements, prior to filing date.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There would be non-exempt equity in the residence using Zillow $36,509 (pending updated CMA and
comps) CMA IS FOR $440,000 (COMP VALUE IS $486,666) USING THE VALUE OF $440,000 NON-EXEMPT EQUITY IS $20,718. USING $486,666 NON-EXEMPT EQUITY IS $41,017.71 NEED TO RESOLVE, there is non-exempt equity in TD Bank acct#8814 $194, Navy FCU $5 RESOLVED, STATEMENTS PROVIDED.
- Still waiting for statements from Cashier's Check, Robinhood Crypto acct, Charles Schwab and Robinhood stocks.

proposed plan $285x12, $678x24 base plan
paid in $1,425
last claim 6-1

RESOLVED ISSUES:

- A copy of the last filed tax return from spouse for 2024. Per Debtor 2024 Tax return they filed separately. Also need both 2025 Tax Return. RESOLVED - PROVIDED DEBTOR 2025 TAX RETURN
- Per Certification spouse not required to file insufficient income - RESOLVED, FILED
- The debtor must provide updated proof of auto insurance for the 2009 Acura MDX. The policy prov
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-11048 / EJOPRO SEConfirmation Hearing ScheduledDismissedDebtor has made 6 of 7 required payments   Arrears: $0
ISSUES AS OF 8/7/2026 (DM):
AR NOTE POR SE WAS CONFUSED BY PROCEEDING THAT SALE WAS COMPLETED SO I THOUGHT BEST TO BE HELD FOR JUDGE
***Property sold at Sheriff's Sale and Redemption period has expired. Case is no longer feasible. RECOMMEND DISMISSAL**

 5/28/26 Order entered granting stay relief to Freedom Mtg.

1) Freedom Mtg (Brock & Scott) OBJs - creditor asserts that a valid Sheriff's Sale to a 3rd party took place on the Fairview Rd property on 1/21/26 before the 1/30/26 Bk filing. The 60-day redemption period has expired. The property is not part of the Bk estate, and the debtor is unable to cure or treat the creditor's claim. (UNRESOLVED)

2) Trustee OBJ:
- Debtor has insufficient income.
- Debtor has failed to file a feasible plan - property was sold at sheriff's sale prior to Bk filing and redemption period has expired.
- Need a MP that completes Part 8a & 8d.
- Need to amend schedules to list all vehicles owned.
- Need updated proof of insurance for 2005 BMW and 1997 Lincoln - policy provided expired.
- Excessive Expenses: $3,031 P&L meals for May & June, $500 home maintenance, and $750 food.
- There is $28,000 non-exempt equity in personal property.
- Confirming order should provide for all non-exempt proceeds from debtor's claim against Toyota Credit Company.
- Need to file Pre-Confirmation Certification.


Prop. Plan $1,000 x 60, $0 Plan
- Loan Mod by ???
PTD 6/7 = $6,008
Last Claim (3-1)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-11159 / EJOLaurence R. Sheller, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 11 of 6 required payments   Arrears: $0
AS OF 8/6/26 (SF)

RECOMMEND $1,132 PTD; $210 X 54 (BEGIN 9/1/26) BASE W/MIN DIV OF $10,000 TO GUCS
- CONFIRM WITH AGREEMENT THAT MINIMUM BASE IS NON-MODIFIABLE AND THE FILING DEADLINE FOR FRAUD/PREFERENCE ACTION IS EXTENDED FOR 5 YEARS- COTBS WITHIN 30 DAYS





AR offer to resolve preference - 10k minimum to unsecured (208 x 60) - minimum base non-modifiable - extend filing deadline for fraud/preference action for 5 years - debtor and sister must sign (dm) (ATTORNEY MUST PROVIDE AGREEMENT EXTENDING DEADLINE SIGNED BY DEBTOR AND SISTER) STILL NOT RECEIVED


Trustee objection:

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

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

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

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



Plan proposes $100 x 36
Payments: Current: $1132 Received



RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Must provide a copy of the last filed tax return - 2025 by 5/31/2026 (RECEIVED)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-11177 / EJOMarc C. Capone, Esq.Confirmation Hearing ScheduledContinued
9/2/2026 10:00 am
Debtor has made 2 of 6 required payments   Arrears: $3,125.00
Anita already did the Conduit Order
Need a MP to surrender the Ford F-150 - add to confirming order
ISSUES AS OF 8/7/2026 (DM):

 MFR by Westlake Services (McCalla) pending 9/2/26. (INTENDS TO SURRENDER TRUCK)
 MFR by Ally Capital (McCalla) pending 8/12/26. (OTBS)
 MFR by Bank of NY Mellon (McCalla) scheduled for 7/22/26. (CONDUIT ACCEPTED)

***Before adding CONDUIT, the debtor needs $1,363 x 54 start 9/1/26 if we strike the $15k per plan tax claim, and $1,684 x 54 start 9/1/26 if we keep the $15k per plan tax claim. Atty Fees currently estimated at $3,500 thru plan***

1) Plan provides $15,612 priority treatment to the IRS - no POC filed by the IRS yet and Gov Bar Date expired 8/3/26. (STRIKE?? Atty wants keep treatment)

 6/8/2026 (JMA): debtor 1099 job higher than scheduled amount. Total disposable net income is $5,707.83 per month. (MONTHLY DISPOSABLE INCOME IS $2,518 WITHOUT SSI - dm)

2) Trustee OBJ:
- There is $258,103 non-exempt equity in house. (100% PLAN)
- Need to provide paystubs for Felix Global Corp income. (RECEIVED BANK STATEMENT DEPOSITS)
- Need to file Pre-Confirmation Certification. (FILED)


Prop. Plan $1,750 x 60, 100% Plan
PTD 5/6 = $8,750
Last Claim (10-1)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-11199 / EJOKarina Pia Lucid, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 6 of 6 required payments   Arrears: $0
ISSUES AS OF 8/4/2026 (DM):

***Nothing has been done and this date was marked peremptory. Additionally, Carrington Mtg obtained stay relief on 7/1/26 - RECOMMEND DISMISSAL***

 ADJ to 8/12 Peremptory.

1) State of NJ filed $1,391.85 priority claim that includes estimated taxes for 2025 not treated in the plan. (UNRESOLVED)

2) Plan fails to treat bifurcated claim of Credit Acceptance for 2014 Toyota Highlander with $9,255 secured, $31,479 unsecured and arrears of $40,734. (UNRESOLVED)

3) Plan fails to treat CBC Mtg Agency 2nd mortgage. (UNRESOLVED)

4) Plan fails to treat US Dept of HUD 3rd mortgage. (UNRESOLVED)

5) Trustee OBJ:
- Need PNC Bank statements from 1/21/26-2/2/26. (UNRESOLVED)
- Need 2 months bank statements from Cash App. (UNRESOLVED)
- Need 2025 tax return. (UNRESOLVED)
- There may be non-exempt equity in the bank accts pending bank statements.
- Form 22C-1, Line #15b has current monthly income for the year at $175,714.56 - the threshold for a household of 2 is $104,136. Thus, Form 22C-2 should have been filed - case is above Median. (NOT AMENDED. MAY NEED BETTER EXPLANATION REGARDING HOUSEHOLD SIZE AND HOW INCOME WAS CALCULATED SINCE UNEMPLOYMENT WAS LISTED IN ADDITION TO REGULAR INCOME)
- Need to file Pre-Confirmation Certification. (UNRESOLVED)
- Add to confirming order Fee App within 7 days from confirming order.
- Add to confirming order Debtor to provide updated proof of income no later than 11/15/26.

Note: There is no equity on the residence, due to secured mtg claims filed.


Prop. Plan $1,740 x 60, Base Plan
PTD 5/6 = $8,700
Last Claim (21-1)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-11252 / EJOFrederick J. Simon, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 3 of 6 required payments   Arrears: $0
NA
ISSUES AS OF 8/7/2026 (DM):

***Debtor still has estimated state tax claims and last Trustee payment was received in May (3 OF 6 PAYMENTS) - RECOMMEND DISMISSAL***

1) State of NJ filed $31,441.82 amended priority claim that includes estimated taxes for 2024 - 2025 (UNRESOLVED)

2) State of NJ filed $1,919.74 amended secured claim not treated in the plan (OKAY TO PAY??)

3) Capital One filed a bifurcated claim for 2015 Acura TLX that includes $713.71 arrears, $14,375 secured and $$409.43 unsecured claim. (PAY ONLY ARREARS OR ENTIRE CLAIM??)
AR MFR GRANTED 8-12

4) Capital One filed $782.08 arrears claim on 2018 Jeep Cherokee (OKAY TO PAY??)

5) Trustee OBJ:
- Equity in real estate will need to be reviewed again after all tax claims are filed. (100% PLAN)
- Excessive Expenses Sch J: $338.22 cell phone; $1670 Rent/Utilities for child's college; estimated tax payment of $1414. Expenses are okay as long as plan remains at 100% to general unsecured creditors.
- Confirming order should provide for all non-exempt proceeds from debtor's claim against her doctor. Schedule A/B should be amended to add this asset. (LANGUAGE ADDED)

***RESOLVED ISSUES***

A) IRS filed $70,013.29 amended priority claim that includes estimated taxes for 2025. (AMENDED)

B) Bank of America (Powers Kirn) OBJs - failure to cure full arrears of $46,046.67 on real estate (CO ENTERED TO PAY PER POC)

C) Trustee OBJ:
- Disposable income per Line #45 on Form 122C is $6,350 which requires a minimum dividend to general unsecured creditors (100% PLAN)
- Need to file Pre-Confirmation Certification. (FILED)
- Need bank statements for BOA 1/13/26 thru 2/3/26. (RECEIVED)
- Need 2025 tax Return by 5/31/26 (RECEIVED)


Prop. Plan $2,050 x 18, $4,485 x 42, 100% Plan
- student loan treated outside the plan.
PTD 3/6 = $6,150
Last Claim (3-4)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-11457 / EJOPRO SEConfirmation Hearing on Modified PlanPlan DeniedDebtor has made 7 of 6 required payments   Arrears: $0
AS OF 8/6/26 (SF)


Modified plan makes no sense. Proposes 139 months. Must resolve creditor objection. Also, what is the status of loan modification?


1. Objection filed by Selene Finance (RAS) - failure to pay arrears; speculative loan mod and failure to provide for post petition payments (OTBS)

2. Trustee objection:

- The debtor has insufficient income.

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

- Need a Modified Plan that completes Part 5a and in part 8a cannot check off both. Must select upon confirmation or discharge. (THE MODIFIED PLAN MUST BE FILED WITH THE BANKRUPTCY COURT)

- Need amendments to Schedules amend Schedule C. No exemptions taken. (MUST FILE AMENDMENT WITH THE BANKRUPTCY COURT AND ENTER THE AMOUNT OF EXEMPTION TAKEN FOR EACH ASSET)

- The Trustee's calculations are higher for the following reason(s):
Excessive expenses per Schedule J: $600 electric; $600 auto insurance; $300 taxes

- The current Plan does not specify treatment of Selene Finance under the Plan.

- The Plan fails to provide for a prompt loan modification completion date

- There is nonexempt equity of 76,045 in residence pending review of recorded deed. (DEBTOR IS THE SOLE OWNER OF PROPERTY AND THERE IS NONEXEMPT EQUITY OF $149,828.80 MINUS D(1) EXEMPTION WHICH IS NOT CORRECTLY TAKEN ON SCHEDULE C WOULD LEAVE NONEXEMPT EQUITY OF $118,254 IN REAL ESTATE. PLAN WILL REQUIRE 100% TO GENERAL UNSECURED CREDITORS)

- There is nonexempt equity in First Financial account of $4437.84

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

- The debtor failed to provide recording information for the deed to property located at 14 Mill
Street.


Plan proposes $100 x 60; Loan Mod
Payments: Current - $700.99 Received

RESOLVED:
- Need copies of bank statements for First Financial for December 2025 and January and February 2026. (RECEIVED)
- Proof of 2 month's income - for Snap
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-11479 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
9/2/2026 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $500.00
ADJ to 9/2 for convert or dismiss (dm)
ISSUES AS OF 8/6/2026 (DM): updated 8/7/26.

***Debtor exceeds the 109e debt limit - RECOMMEND DISMISSAL***

1) IRS filed $5,996.83 priority claim that includes estimated taxes for 2025. (UNRESOLVED)

2) State of NJ filed $1,529.08 amended priority claim that includes estimated taxes for 2025. (UNRESOLVED)

3) Trustee Supp OBJ:
- US Dept of Ed POC recently filed put debtor over 109e limit.

4) Trustee OBJ:
- Excessive Expenses: $3,600 for rent (need copy of lease), $967 for health insurance. Need proof of expenses 10 days prior to confirmation. (LEASE PROVIDED IS FOR $1,944.08 PER MONTH FOR SPOUSE AND $2,781 FOR DEBTOR - THEY LIVE SEPARATELY?) (HEALTH INSURANCE BILL IS FOR $167.54 PER MONTH)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need proof of 2 months income for non-filing spouse. (RECEIVED P&L STATEMENT)
- Need a statement for the Capital One and Pay Pal accounts. (RECEIVED)
- There is $31,403 non-exempt equity in the bank/Vanguard accounts pending review of Capital One and Pay Pal accounts. (ADDITIONAL $143 IN N/E EQUITY) (LANGUAGE ADDED)
- There is $2,000 non-exempt equity in the security deposit. (LANGUAGE ADDED)


Prop. Plan $500 x 60, Base Plan
PTD 5/6 = $2,500
Last Claim (6-4)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-11488 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 6 of 6 required payments   Arrears: $0
AS OF 8/6/26 (SF)

1. Motion for Relief by Westlake Financial scheduled for 9/2/26 at 9

2. Trustee objection:

- The debtor has insufficient income.

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

- Must provide Proof of 2 month's income - for spouse once she returns to work. (STILL NEED AMENDED SCHEDULE I AND 2 MONTHS PROOF OF INCOME FOR DEBTOR AND SPOUSE. JUNE AND JULY 2026 PAY STUBS)

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

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

- need update proof of income for new job debtor started

Plan proposes $250 x 6; $554 x 54 Base Plan w/min div of $17,703.27 to gucs
Payments: 5/6 Arrears: $250



RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- IRS filed estimated priority claim (AMENDED)
- The plan proposes to pay arrears in the amount of $12,581 to WestLake Portfolio for a 2015 Volkswagon. The arrears are only $3516.64. Does the debtor want to pay the claim in full? MP FILED
- No claim has been filed for Devin V. Reid. Should this claim be stricken from plan? MP REMOVES CLAIM
- The plan proposes to pay a DSO obligation. Must complete DSO Information Sheet and submit to the Trustee (RECEIVED)
- Need a copy of the last filed tax return - for 2025 by 5/31/2026. (RECEIVED)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-11498 / EJOJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanContinued
9/2/2026 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $1,400.00
As of 8/6/26 (DS): Debtor atty requested adj to adj to 9/2/26, adjourned peremptory, no further adjournments

1) Trustee Supp OBJ:
- There is approximately $77,950 equity in the residence - no exemption taken on Schedule C.

As of 5/18/26 (DS): PER EMAIL FROM DEBTOR 5/15/26 ATTY HE IS GOING TO FILE PLAN W/D AND MOD PLAN, NOT YET DONE

1. Debtor is not current with Trustee payment, skipped 1st payment for March, but made April and May payment.

2. Patrick Napolitano (DANIEL STRAFFI) obj that pet was filed to avoid entry of judgment. POC filed unsecured for $281,550.62. PLAN PROPOSE 100% CASE WILL TANK, WILL NEED ESTIMATE $6,334 TO CONFIRM.

3. BELOW ISSUES REMAIN UNRESOLVED.

As of 4/6/26 Debtor atty requested adj to pass bar date 4/21/26

4/8/26 (DS): 1. Trustee obj to the following:
- Must provide 2025 tax returns, if not filed can add to confirming order to provide no later than 5/31/26.
- Disposable income verifies $2,548. Plan propose 100%.
- There is $77,951 non-exempt equity in the residence.
- One Main filed a bifurcated claim, no arrears, secured $10,600 and unsecured $850.10 and needs to be resolved. Creditor not in plan, listed on Sched F. Must resolve claim. IS TRUSTEE TO TREAT OUTSIDE?
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.

Prop Plan $1,400 x 60 begin 3/1/26; 100%
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-11787 / EJOMaryBeth Schroeder, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $1,728.00
ISSUES AS OF 8/7/2026 (DM):

1) IRS objection (Doc #22) - debtors have unpaid federal tax liabilities for numerous tax years preceding the petition date totaling $168,704.54. Plan is not feasible. (UNRESOLVED)

2) Plan provides $14,000 priority treatment to the State of NJ - Gov Bar has not expired but no POC filed yet. (STRIKE OR KEEP PER PLAN??)

3) Carvana/BridgeCrest filed $455 arrears claim on 2021 BMW X5 (OKAY TO PAY??)

***RESOLVED ISSUES***

A) Citi Mortgage (Powers Kirn) OBJs - $61,591.22 arrears on real estate. (CO ENTERED - PAY PER CLAIM)

B) Trustee OBJ:
- IRS filed an estimated claim which needs to be amended. (AMENDED)
- Need 2025 tax return by 5/31/26. (RECEIVED)
- Need a statement for the debtor's save plan loan. (LOAN PAID OFF IN MONTH 8 OF PLAN. ADDITIONAL $150/MONTH IN INCOME BEGINNING MONTH 9)
- Excessive Expenses: $608 cable/internet/phone, $438 & $436 car payments (only one car lien listed on Sch D). Need proof of expenses 10 days prior to confirmation. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)


Prop. Plan $900 x 60, Base Plan
PTD 4/6 = $3,672
Last Claim (2-2)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-12045 / EJOLaurence R. Sheller, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $1,800.00
ADJ to 9/23 to confirm or dismiss per AR
ISSUES AS OF 8/7/2026 (DM):

***2 prior dismissals - as of 8/7/26 the debtor is 2 Trustee payments behind - RECOMMEND DISMISSAL. Trustee may seek 1 year bar to refiling***

 ADJ to 8/12 Peremptory

1) State of NJ filed $30,122.61 amended priority claim that includes estimated taxes for 2025 (UNRESOLVED.)

2) State of NJ filed an amended general unsecured claim that includes estimated taxes for 2017 (UNRESOLVED.)

3) Santander filed a bifurcated claim on 2023 Chevy Silverado consisting of $32,100 secured, $9,122.52 unsecured, and $20,006.95 in arrears (PAY ARREARS AND TREAT BIFURCATED CLAIM AS SECURED UNAFFECTED OUTSIDE THE PLAN??)

***RESOLVED ISSUES***

A) IRS filed $133,331.42 priority claim that includes estimated taxes for 2025. (AMENDED)

B) NJHMFA (PLUESE) OBJs - $76,177.88 arrears on real estate (OTBS TO PAY PER POC.)

C) The attorney's fees in the plan ($2,758) and the disclosure statement ($2,958) do not agree. One of these must be amended. (AMENDED ATTY DISCLOSURE FILED)

D) Trustee OBJ:
- Need proof of income for wife's part time job (RECEIVED.)
- Need amended Sch I for wife's part-time job. (AMENDED)
- There is $73,238 non-exempt equity in house.
- There is $73,325 non-exempt equity in figurines and autographs.
- There is $3,200 non-exempt equity in bank accounts - debtor states atty holding the $3,200 as Trustee plan payment.
- There is 8,000 non-exempt equity in the 2014 Chevy Silverado.
- There is $4,975 non-exempt equity in the 2023 Chevy Silverado.
TOTAL NON-EXEMPT EQUIY $162,738 (ADJUSTED TO $159,538)


Prop. Plan $1,900 x 60, 100% Plan
PTD 4/6 = $7,700
Last Claim (12-2)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-12148 / EJOMark N. Glyptis, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 5 of 6 required payments   Arrears: $0
ISSUES AS OF 8/4/2026 (DM):

***Nothing done since last Hearing and mortgage company obtained stay relief - Plan is no longer feasible - RECOMMEND DISMISSAL***

 Freedon Mtg obtained stay relief on 7/1/26.

1) Freedom Mortgage (Brock & Scott) OBJs - $20,438.91 arrears on residence. (UNRESOLVED)

2) U.S. Dept of HUD filed a secured claim not treated in the plan. (UNRESOLVED)

3) Deerbrook #1 Condo Assn filed a bifurcated claim not treated in the plan. (UNRESOLVED)

4) Trustee OBJ:
- There is $18,784 non-exempt equity in the residence, also bank accts had more money in them than what was listed on Sch B.
- The circumstances and contents of the debtor's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)(3). Plan fails to propose the non-exempt equity in real estate and the $2,147 verified monthly disposable income.

- Need a copy of 2025 tax returns. (UNRESOLVED)
- Need pay stubs from both jobs for the month of Feb. (UNRESOLVED)
- Need a MP that marks off Part 8d for post-petition claims. (UNRESOLVED)
- The tax refund in the amount of $9,639 was not prorated and included in the disposable income calculation.
- Need to file Pre-Confirmation Certification. (UNRESOLVED)


Prop. Plan $788.65 x 60, Base Plan
PTD 5/6 = $3,948.60
Last Claim (9-1)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-12340 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0
Per AR, ADJ to 9/23 Peremptory - suggests Bruce try and get a consent order preserving his rights/claim post confirmation

Adj Request uploaded BUT neither Rob nor Bruce responded to my email (dm)

ISSUES AS OF 8/7/2026 (DM):

1) Karly Mendoza-Diaz (Bruce Radowitz, Esq) OBJs
- First, a claim for Specific Performance to compel the Debtor to transfer ownership of real property.
- Second, should the specific performance be rejected or denied, the claim for money damages is set forth in the filed POC. Debtor is not devoting all disposable income to the proposed Base Plan.
- Third, this Court should grant relief from the Automatic Stay to allow the State Court proceedings on the issue of Specific Performance to continue until a judicial determination is entered.

2) Arrears for Select Portfolio came in higher at $18,156.64 (OKAY TO PAY??)

3) Trustee OBJ:
- Debtor has insufficient income.
- Excessive Expenses: $3,550 mtg payment.
- Need updated homeowner's insurance declaration - policy expired 4/17/26. (RECEIVED)
- Need updated auto insurance for 2025 Toyota - policy expired on 4/1/26. (RECEIVED)
- Need to file Pre-Confirmation Certification. (FILED)


Prop. Plan $300 x 60, Base Plan
PTD 5/5 = $1,500
Last Claim (11-1)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-12448 / EJODavid Jerome Witherspoon, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $88.00
ISSUES AS OF 8/5/2026 (DM):

***TRUSTEE CAN RECOMMEND CONFIRMATION AT $700 PTD, THEN $263 x 56 STARTING 8/1/26, BASE PLAN, TRUSTEE SHALL PAY $12,160.35 ARREARS TO CAPITAL ONE AUTO FINANCE ON POC (4-1) FOR THE 2019 JEEP COMPASS AND THE REMAINDER OF THE BIFURCATED CLAIM SHALL BE TREATED AS SECURED UNAFFECTED OUTSIDE THE PLAN***

1) Capital One Auto Finance filed a bifurcated claim on a 2019 Jeep Compass that includes $16,100 secured, $17,310.51 unsecured, and $12,160.35 in arrears. (PAY ARREARS AND TREAT BIFURCATED CLAIM AS SECURED UNAFFECTED??)

2) Trustee OBJ:
- Debtor's income verifies much higher - disposable income is $1,581. (OKAY - DISPOSABLE INCOME RECALCULATED AFTER AMENDED I&J FROM 6/29/26 FILED AND UPDATED PAY STUBS RECEIVED FROM NEW JOB AT DISH NETWORK)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need to file Pre-Confirmation Certification. (FILED)
- Need a MP that corrects Atty Fee or amends Atty Disclosure. (AMENDED DISCLOSURE FILED)
- Need amended Sch B&C to add M&T Bank acct for $353 at time of filing. (AMENDED SCHEDULES FILED)
- Excessive Expenses: Childcare/Children's education costs $250 and after school care $340. (REMOVED IN AMENDED SCH J)
- Tax refund of $369 was not prorated and included in the disposable income calculation. (AVG ADDED TO INCOME)
- Need M&T Bank statements pages 3 & 4 from statement dated 2/13/26 - 3/12/26 (RECEVED)
- Need 2 months bank statements from Chime Bank acct prior to filing date. (RECEIVED)
- Debtor to provide information regarding lawsuit settlement from 2025. (RECEIVED A COPY OF $25,000 CHECK, DATED 9/29/25, WITH NOTE THAT ATTY FEES & COSTS WERE DEDUCTED FROM THIS CHECK. NEED TO KNOW WHAT THE DEBTOR NETTED - netted $16,000 per email EDC)


Prop. Plan $175 x 60, Base Plan
PTD 4/5 = $700
Last Claim (6-1)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-12723 / EJOJohn C. Feggeler, Esq.Confirmation Hearing on Modified PlanConfirmedDebtor has made 2 of 5 required payments   Arrears: $0
AS OF 8/11/266/26 (SF) UPDATED



RECOMMEND $2150 PTD, $981 X 55 (BEGIN 9/1/26) 100% PLAN
- PRESERVE NONEXEMPT EQUITY OF $89,689 IN CONFIRMATION ORDER
- OK TO PAY ARREARS CLAIM 2-1 TO US BANK



Objection just filed by US Bank Trust Co (RAS) - failure to provide for arrears of $1436.43 (MUST RESOLVE) (DEBTOR AGREES TO PAY ARREARS)



1. Objection filed by LaMer I Condo Assoc (Holdren) - failure to pay secured claim in the amount of $49,032.72 (MP FILED TO PAY CLAIM)

2. Plan will require 100% (No gucs filed claims and bar date expired on 5/21/26)

3. US Bank filed arrears claim 2-1 in the amount of $1436.43 which is not treated in the plan (OKAY TO PAY?)

4. Trustee objection:

- The debtor has failed to file a feasible plan - that propose a tier plan when car payment $513 ends in month 26.

- Proof of 2 month's income - for the Debtor from all employment, cannot use 2025 old income to determine Debtor's income. Need income for Jan.-March. (profit and loss provided for various income but no supporting proofs provided) UPDATED PROFIT AND LOSS PROVIDED. SOME DOUBLE DIPPING. DISPOSABLE INCOME IS NOW $605

- The debtor must provide updated proof of auto insurance for the 2019 Honda . The policy
provided expires on 7/11/26.

- Income verifies much higher, there is disposable income $3,152.

- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,385 when
determining disposable income.

- Plan fails to provide the non-exempt equity.

-There is non-exempt equity in the residence $89,689.


Plan proposes $300 x 4; $951.43 x 56 Base Plan
Payments: 5/5 Arrears: $1.43

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- A Modified Plan that adds Select Portfolio arrears$1,436.43 and Driveway Finance (MP FILED)
- The current Plan does not specify treatment of Select Portfolio-mortgage and Driveway
Finance Corp-2019 Honda under the Plan.
- Plan fails to provide for a prompt sale/refinanc
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-12741 / EJOThomas G. Egner, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0
UPDATED 8/11/2026 (JMA)

NEED TO CONFIRM AT $4,302 PAID TO DATE, $906X55 BEGIN 9/1/2026 BASE PLAN

UPDATED 8/6/2026 (JMA)

1) JPMorgan Chase Bank (Powers Kirn LLC) objection to confirmation - ORDER RESOLVING CREDITOR OBJECTION
- Debtor's plan is hereby amended to provide for payment in full of the pre-petition arrears due claimed by JPMorgan Chase Bank in the amount of $37,160.04 as set forth in claim #8
- Debtor agrees to tender the post-petition mortgage payments directly to JPMorgan Chase Bank, in the amounts and in accordance with the terms of the Note, Mortgage and any Modification Agreement, if applicable.
2) Trustee objection to confirmation - RESOLVED
3) State of New Jersey Division of Taxation claim remains estimated. Need claim to be amended -RESOLVED, AMENDED

proposed plan $791x60 base
paid in $4,302
last claim 8-2

RESOLVED ISSUES:

- NJ Division of Taxation - 2025 return provided. RESOLVED
- The debtor has insufficient income. - The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income; January and February pay stubs for the debtor. PROVIDED CERTIFICATION THAT DEBTOR WAS INJURED AT WORK IN SEPTEMBER 2025. DEBTOR RECEIVED WORKER'S COMPENSATION FROM SEPTEMBER 30, 2025 TO FEBRUARY 27, 2026. DEBTOR IS CURRENTLY BACK TO WORK FULL TIME. STILL NEEDS TO PROVIDE PROOF OF INCOME FOR MARCH AND APRIL 2026. RESOLVED, PROOF OF INCOME PROVIDED
- The debtor failed to provide recording information for the deed to property located at 322 Lake Avenue. RESOLVED, PROVIDED RECORDED DEED
- Need to resolve objection by JP Morgan Chase. RESOLVED, CONSENT ORDER
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-12786 / EJODavid A. Semanchik, Esq.Confirmation Hearing ScheduledContinued
9/2/2026 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $0
ISSUES AS OF 8/4/2026 (DM):

***Need 2025 tax returns, need to resubmit Settlement Statement for Lisa Ct property***

 6/29/26 (DS): Debtor Atty requested ADJ to allow time to work out resolution for Rocket Mtg POC claiming arrears.

1) Rocket Mtg filed $1,375.30 arrears claim on the residence. (OKAY TO PAY?? - Yes)

2) Midland Funding, New Century and Worldwide did NOT file secured claims. Recommend striking Part 4g and not paying since Bar Date has expired.

3) Trustee OBJ:
- Need a copy of 2025 tax return. (UNRESOLVED)
- Need a copy of the settlement statement from the sale of real estate sold prior to the purchase of the Anchor Ave property (UNRESOLVED - UPLOADED ROCKET MTG STATEMENT), the settlement statement from the purchase of Anchor Ave property (RECEIVED - $97,334 WAS DOWN PAYMENT TO PURCHASE ON 12/4/24 ... PLUS $87k IN JUDGMENT DEBT HAD TO BE PAID OFF)
- There is $36,989 non-exempt equity in the residence (ADJUSTED TO $2,707 BASED UPON 50% OWNERSHIP) and $9,292 in Jenius Bank acct for a total of $46,281. (TOTAL ADJUSTED TO $11,999)

- Need a copy of the recorded Deed for the residence. (RECEIVED)
- Need Certification regarding the transfers made from various accounts. (RECEIVED)


Prop. Plan $353 x 60, Base Plan
PTD 4/5 = $1,412
Last Claim (4-1)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-12848 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 5 of 5 required payments   Arrears: $605.00
ISSUES AS OF 8/5/2026 (DM):

***If pending MFR does not impact confirmation, TO CONFIRM THE DEBTOR NEEDS $5,040 PTD, THEN $1,955 x 56 STARTING 8/1/26, 100% PLAN WITH $225,968 THRESHOLD PRESERVED, TRUSTEE IS AUTHORIZED TO PAY STATE OF NJ PRIORITY POC (13-2), DEBTOR SHALL FILE A SECURED POC ON BEHALF OF TOMS RIVER MUA WITHIN 30 DAYS AFTER 9/14/26 IF NO CLAIM IS FILED BY THE CREDITOR BEFORE THE EXPIRATION OF THE GOV BAR DATE***

1) NJ Division of Taxation still estimated for 2024 taxes (AMENDED TO $2,545.13 - OKAY TO PAY??)

2) Plan provides $607.57 secured treatment to Toms River MUA - no claim filed. (STRIKE OR WAIT FOR 9/14/26 GOV BAR DATE??)

3) Trustee OBJ:
- Disposable income verifies at $5,712 per month. (SUFFICIENT THRESHOLD OF $225,968 TO KEEP PLAN AT 100% IF INCOME CHANGES)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Excessive Expense: Tele/cell/internet/cable $600. (100% PLAN)
- Form 22C has disposable income of $3,962.36. (100% PLAN)
- There is $198,721 non-exempt equity in the residence, $2,045 in 2016 Nissan, $19,442 in 2019 Chevy, Santander checking acct $1,782, Santander savings acct $1,752, TD Bank checking acct $2,133, Chase savings acct estimated $93 (pending bank statements) and Chase checking acct $310. Total equity $225,968. (100% PLAN)
- Need a copy of 2025 tax return. (RECEIVED)
- Need Feb & March bank statements from Chase Bank savings acct #0201. (RECEIVED)
- Debtor must provide updated proof of auto insurance for the 2019 Chevy Traverse. The policy provided expires on 5/14/26. (RECEIVED)


Prop. Plan $1,255 x 60, 100% Plan
- student loans outside plan.
PTD 4/5 = $5,040
Last Claim (13-2)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-12949 / EJORussell L. Low, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 5 required payments   Arrears: $155.00
AS OF 8/4/26 (SF)


RECOMMEND $450 PTD, $155 X 32 (BEGIN 8/1/26) BASE PLAN


Plan proposes $150 x 36 Base
Payments: 3/5 Arrears: $300



Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-13073 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 3 of 5 required payments   Arrears: $1,021.00
8/11 email to Cameron & AR regarding Gov Bar Date (dm)
ISSUES AS OF 8/5/2026 (DM): updated 8/10/26.

***Need POCs for NJMV and Capital One. Debtor will need $1,534 PTD, then $776 x 56 starting 8/1/26, Base Plan***

1) IRS filed estimated tax claim for 2025. (AMENDED - PRIORITY CLAIM IS HIGHER AT $18,295.01 - OKAY TO PAY??)

2) State of NJ filed estimated tax claim for 2025. (AMENDED - PRIORITY CLAIM IS $534.06 NOT TREATED IN THE PLAN - OKAY TO ADD??)

3) Plan proposes $14,058.84 priority treatment to NJMV - no claim filed. (STRIKE OR WAIT UNTIL 9/16/26 GOV BAR DATE??) AR, CANNOT STRIKE UNTIL AFTER BAR DATE.

4) Plan proposes to cram Capital One for a 2015 BMW 535 - no claim filed. (NEED A POC AND MOTION TO ALLOW LATE POC)

5) Trustee OBJ:
- Need a copy of 2025 tax return. (UPLOADED 8/6)
- Excessive expense for rent $3,800. (PER GIRLFRIEND CERT NOT SIGNED, DEBTOR PAYS HER MTG $3,503.91 (mtg statement) AND HOA $295 (no proof provided) TOTAL $3,798. GF PAYS ALL HOUSEHOLD EXP FOOD, UTILITIES, INTERNET, CABLE, CAR INSURANCE FOR BOTH, CAR PAYMENT, HIS DENTAL, CELL PHONES AND ANY BILLS, BUT SCH J HAS TELE/CELL $63, FOOD/PERSONAL CARE $950, AUTO INSURANCE $80 AND MEDICAL $75.)

Note: Motorcycle insurance provided and service to Capital One Auto done.

Prop. Plan $511 x 60, $0 Plan
PTD 3/5 = $1,534
Last Claim (10-2)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-13119 / EJOJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanContinued
9/2/2026 10:00 am
Debtor has made 8 of 5 required payments   Arrears: $500.00
AS OF 8/5/2026 (at):

1. Objection filed by Santander (Eisenberg Gold) - creditor wants arrears paid in the first 6 months. (UNRESOLVED)MFR GRANTED 8-12

2. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Business profit & loss statements (NOT RECEIVED)
- Need copy of bank statement for account ending in 2959 for March 1 2026 through March 23 2026 (NOT RECEIVED)
- 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) Current disposable income per Schedules I and J verifies higher at 6,350.57 using January and February 2026 pay stubs. Need March and April 2026 pay stubs to determine if this
income is consistent. The 2025 Tax return also shows $45,000 additional income for business but it's not included on Schedule I. (PAY STUBS NOT RECEIVED)
2) - Excessive expenses per Schedule J: $2,196 auto payment; $400 cell phone
3) - Excessive expenses per 122C: Line 12 $802, should be $604 for Northeast Region operating costs; line 21 $350 for childcare. There are no dependents listed; Line 23 $150 for
optional telephone, need proof ; Line 30 $30 additional food; line 41 $826 retirement deduction. Need copy of 401k loan statement to determine balance (122c will need to be reviewed after receipt of proofs and claims filed). (401K LOAN STATEMENT NOT RECEIVED)
(Need proof of excessive expenses within ten days)
- 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 nonexempt equity of $23,449 in United Logistics Services Inc.
- There may be nonexempt equity in sale of Dominos stock in the amount of $8
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-13148 / EJOGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $674.00
issues as of 8/6/2026 (JMA)

1) Not current with Trustee plan payments, arrears $1,348
2) IRS priority claim estimated for 2023 taxes - STILL NEED TO RESOLVE
3) NJ Division of Taxation priority claim estimated for 2014 taxes - STILL NEED TO RESOLVE
4) NJ Division of Taxation estimated for 2013-2014, 2023 taxes - STILL NEED TO RESOLVE
5) Ford Motor Credit Company LLC (Stewart Legal) - filed secured claim 1-1 in the amount of $31,981.68 including an arrearage in the amount of $807.85.
-The plan should be modified to conform to the total amount of the Creditors Proof of Claim, namely $31,981.68
8) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): Verified income leaves monthly disposable income of $1,159.64.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $4,454.00 when determining disposable income.
- The IRS filed an estimated claim which needs to be amended. CLAIM NOT AMENDED TO DATE
- Need to resolve objection by Nissan Motor Acceptance.
- Need to resolve objection by Ford Motor Company.
- Need to resolve objection by Ally Capital.
-Add vacation club timeshare to petition.
9) NJ Division of Taxation still estimated for 2014 taxes - NEED AMENDED CLAIM

proposed plan $674x60 base plan
paid in $0
arrears $2,022
last claim 10-1

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): Need February and March bank statements for Chase account 7098 and PNC account 6058 - RESOLVED, STATEMENTS PROVIDED FOR BOTH ACCOUNTS.
6) Nissan-Motor Acceptance Company - objection to confirmation - NEED TO RESOLVE
- Creditor filed Proof
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-13248 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 5 of 5 required payments   Arrears: $0
issues as of 8/6/2026 (JMA)

ok to confirm at $500x60 base plan

1) IRS priority claim estimated for 2025 taxes - NEED AMENDED CLAIM
- Claim amended, no longer estimated. Total claim is $17,859.38 priority claim
2) Trustee objection to confirmation - RESOLVED
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return 2025 RETURN BY 5/31/2026-RESOLVED, PROVIDED RETURN WITH REFUND OF $456.16

proposed plan $500x60 base plan
paid in $2,740
last claim 8-1

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return 2025 RETURN BY 5/31/2026-RESOLVED, PROVIDED RETURN WITH REFUND OF $456.16
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-13289 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 2 of 5 required payments   Arrears: $0
ISSUES AS OF 8/5/2026 (DM):

***100% Plan is not feasible based upon $335,992 unsecured POC (2-1) filed by North Mill Credit Trust. Debtor has only made 2 of 5 Trustee payments - RECOMMEND DISMISSAL***

1) American Honda filed a secured claim for 2022 Honda Odyssey not treated in the plan. (TREAT AS SECURED UNAFFECTED OUTSIDE THE PLAN??)

2) BMW Bank filed a bifurcated claim on a 2022 BMW X4 consisting of $55,225 as secured, $5,072.76 unsecured, and $10,897 in arrears. (PAY ARREARS AND TREAT REMAINDER OF BIFURCATED CLAIM AS SECURED UNAFFECTED OUTSIDE THE PLAN??)

3) Plan provides $2,100 arrears treatment to Driveway Financial on a 2025 Honda Pilot - creditor filed a claim with $0 arrears. (NO PAYMENT TO BE MADE BY TRUSTEE TO THE CREDITOR UNLESS WE HAVE AN ORDER.)

4) Trustee OBJ:
- Need to file Pre-Confirmation Certification. (FILED)
- Need updated auto insurance - policy provided has expired. (RECEIVED)
- Excessive Expenses: Rent $3,000, Utilities $620, Clothing $240 and Transportation $480. Must provide proof of expenses 10 days prior to confirmation. May be moot since plan proposes 100%.


Prop. Plan $984 x 60, 100% Plan
PTD 2/5 = $1,968
Last Claim (21-1)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-13364 / EJOAndy Winchell, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 1 of 5 required payments   Arrears: $5,600.00
8/10/26 HUD JUST RECEIVED - NEEDS AUDIT

8/5/26 (sf) NO UPDATED INFO PROVIDED REGARDING SALE AND STILL ONLY 1 PAYMENT RECEIVED. ARREARS: $5600

Sale scheduled to close on 7/28 or 7/29 - ADJ to 8/12

1. Motion for relief filed by Navy FCU scheduled for 8/12/26 at 9 (MUST RESOLVE)

2. Objection filed by Navy Federal Credit Union (Lebron) - failure to pay arrears and speculative sale

3. State of NJ filed priority claim 16-2 in the amount of $13,577.14 which is not treated in the plan (OKAY TO PAY?)

4. BMW Bank of North America filed arrears claim 1-1 in the amount of $949.22 which is not treated in the plan (OKAY TO PAY?)

5. Four Oaks Neighborhood Condo Assoc filed bifurcated claim 5-1 with $6363 as secured, $2193 as unsecured and $8556 arrears. How should claim be paid?

6. Motion to Sell scheduled for 7/1/26 at 9 (GRANTED)

7. Trustee objection:

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

- Need copy of Brighthouse Financial Whole Life insurance policy statement which shows cash value
- Need 2 months (Feb & March) statements from Venmo accts.

- The debtor has undertaken an improper use of exemption. Specifically: The Trustee objects to Schedule C to the extent that exemptions taken for 100% of fair market value is vague, and the Trustee is unable to discern the actual amounts the debtor intends to employ on said exemptions. (AMENDED SCH C TAKES A d1 EXEMPTION FOR $15,775 -dm)

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Home maintenance $450, Food $600 and Food away from home $200, Water $50 total groceries $850, Life insurance $285.83 and Car payment $949.

- There is estimated non-exempt equity in the residence $500,159, 2022 BMW $15,066, Brighthouse Life insurance $59,380 and any potential personal injury lawsuits/settlements claims and claims against any creditors. (PLAN WILL REQUIRE 100%)

- Add to confirming order non-exempt proceeds from sale of residence, potential lawsuits
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-13654 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledDismissed - Hold FeesDebtor has made 1 of 4 required payments   Arrears: $0
AS OF 8/5/26 (SF) STILL NOT CURRENT ONLY 1 PAYMENT RECEIVED

1. Objection filed by Lakeview Loan Servicing (RAS) - failure to pay arrears of $33,890.72

2. Synchrony Bank filed secured claim 24-1 which is a bifurcated claim which is not addressed in the plan for a 2022 Yamaha (must resolve)

3. Trustee objection:

- The debtor has insufficient income. Negative $1339.98 (PLAN IS NOT FEASIBLE)

- Need statements for the (2) loan deductions on debtor's pay stubs. (RECEIVED)
Pension loan 1 expires on 4/11/29 and $476.81 will be available
Pension loan 2 expires on 5/12/30 and $533.37 will be available

- There is $103,498 non-exempt equity in the residence. (100% PLAN)

- There is $15,500 in non-exempt equity in the vehicles.


Plan proposes $822 x 60 100% Plan
Payments: 1/4 Arrears: $2448

RESOLVED:
- Motion to Reclassify claim 3-1 First Portfolio Ventures II, LLC from secured to unsecured scheduled for 7/22 at 9 (No opposition) GRANTED
- First Portfolio Ventures II, LLC filed a secured claim 3-1 in the amount of $8897.75 which is not treated in the plan (MUST RESOLVE)
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-13875 / EJOAndrew M. Carroll, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 2 of 4 required payments   Arrears: $1,000.00
updated 8/11/2026 (JMA) Status change form, filing modified plan
issues as of 8/6/2026 (JMA)

1) LoanDepot, LLC (Frenkel Lambert) objection to confirmation - NEED TO RESOLVE
-Secured Creditor estimates its pre-petition arrears at $19,321.31

2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
- The debtor has failed to supply the Trustee with the following document(s): A copy of the homeowner's insurance renewal declaration with personal liability coverage, not application. - RESOLVED, PROVIDED RENEWAL EFFECTIVE THROUGH 1/15/2027.
- Statements (Feb & March) from Bank of America checking and savings acct and TD Bank acct- Amendments to Schedules A/B and C to add Bank of America acct savings acct#3284.- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,655 when determining disposable income.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution and does not provide for equal monthly payments as required by ?1325(a)(5)(iii)(l).
- There may be non-exempt equity in the debtor's residence.

proposed plan $350x60 begin 5/1/2026 base plan
pai in $700
arrears $700
last claim 8-1
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-13891 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 4 required payments   Arrears: $0
As of 8/11/26 (DS): 1. Trustee obj that there is non-exempt equity in the residence $121,571 and 2nd property $203,674 total $325,245. BAR DATE HAS PASSED TOTAL GUCS FILED $97,617.10

2. Atty fees in plan $1,630 and atty disclosure $2,270 do not agree, per SOFA atty fees paid $1,730 remainder balance does verify $2,270, therefore need mod plan to correct atty fees to be $2,270.

3. Plan fails to add US Dept of HUD - 2nd property

4. NewRez - Residence (ELIZABETH HOLDREN) obj plan is silent as to arrears, but plan does propose arrears owed at $25,858, POC filed much less with arrears $4,683.42.

5. Freedom Mtg - 2nd property (BROCK & SCOTT) obj plan fails to propose arrears owed. POC filed with arrears $2,472.36. EMAIL FROM KIMBERLY WILSON COTBS WITHIN 15 DAYS TRUSTEE OK TO PAY ARREARS $2,472.36 AND REGULAR PAYMENTS DIRECT.

Prop Plan $1,500 x 60 begin 5/1/26; 100%
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14000 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $0
AS OF 8/10/2026 (at): Atty accepts terms

RECOMMEND: $1,500 PAID TO DATE, $1,000 x 56 BEGINNING 9/1/206, BASE WITH A MINIMUM OF $43,000 TO UNSECURED CREDITORS
- Preserve non exempt equity of $29,270 in real estate.

Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
- Form 22-C Line 45 shows monthly disposable income of $2,691.28, requires $161,475 paid into 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 $29,270 non-exempt equity in the real estate. (LANGUAGE ADDED)

Plan proposes: $500 x 12 beginning 5/1/2026, $850 x 48, $43,000 to unsecured creditors
Payments: 3/4, arrears $500
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14013 / EJOAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 4 required payments   Arrears: $937.00
As of 8/5/26 (DS): 1. Trustee obj to the following:
- Must resolve the estimated tax claims of the IRS (2023 not filed) and State of NJ (2023 and 2025 not filed).
- Capital One Auto filed bifurcated claim, arrears $1,623.96, secured $28,600 and unsecured $7,305.60. Is Trustee to pay the arrears portion of the claim $1,623.96, treat secured portion $28,600 outside and pay unsecured portion $7,305.60 100% as unsecured?
- Must file Pre-confirmation certification.
- Disposable income verifies $1,029, 22C has disposable income. Plan propose 100%.
- There is non-exempt equity in the residence $149,508 and in bank acct $3,063 total $152,571.

2. Deutsche Bank (CORY WOERNER) obj arrears owed are more, claim filed with arrears $62,382.30, plan had $40,000. Must resolve obj.

Prop Plan $937 x 60 begin 5/1/26; 100%
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14319 / EJORussell L. Low, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0
AS OF 8/11/2026 (at):

1. 341 is scheduled for 8/27/2026.
2. Payments: 3/4, arrears $875.53
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14324 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing on Modified PlanContinued
9/23/2026 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0
TFS payment pending - ADJ 9/23
As of 8/12/26 (DS): 1. DEBTOR IN ARREARS $4,557, MADE 1 OUT OF 4 PAYMENTS, LAST PAYMENT MADE $1,700 ON 6/17/26. ATTY PROVIDED PROOF OF TFS PAYMENT MADE TODAY 8/12 $4,557

2. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $1,475.
- Must provide Balance statement from deduction on Debtor's pay stub listed as "LOAN" in the amount of
$387.83 and statements from Robinhood, Cash App and PayPal accts prior to filing date.
- Plan is not proposed in good faith in accordance with 11 U.S.C. ? 1325(a)(3), fails to propose the non-exempt equity in the residence $16,392 and Robinhood, CashApp and PayPal pending statements.
- Must resolve creditor obj.

3. NewRez (ELIZABETH HOLDREN) obj arrears owed are much more than $70,000, POC filed with arrears $90,064.77. Must resolve obj.

Prop Plan $1,700 x 1 begin 5/1/26; $1,519 x 59 begin 6/1/26; Base
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14443 / EJOMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $871.00
As of 8/10/26 (DS): Ok to confirm at $4,924 paid, $1,469 x 56 begin 9/1/26; 100% with a min. div. $74,842 due to non-exempt equity $74,842 and Debtor is to do e-Wage within 7 days from confirming order

1. NO PAYMENT MADE FOR AUGUST, SINCE DEBTOR JUST MADE A PAYMENT OF $536 ON 7/31/26, SHE WILL NOT BE MAKING ANOTHER PAYMENT.

TFS $2,780 scheduled 6/30

7/1/26 (DS): 1. Debtor in arrears $2,278, only made a payment of $536 on 6/16/26, no additional payments. Trustee obj there income was insufficient. Debtor must get current, soon July payment is due. (proof of pymts linked)

2. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $1,145.
- There is non-exempt equity in the residence $68,158 and $6,684 in bank acct total $74,842. TOTAL GUCS FILED $731.23

Prop Plan $1,407 x 60 begin 5/1/26; 100%
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14447 / EJOCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 3 of 4 required payments   Arrears: $1,712.00
As of 8/7/26 (DS): Debtor atty requested adj to allow time to dispute POC #1 & #3

As of 8/5/26 (DS): Need to confirm at $5,136 paid, $1,712 x 56 begin 9/1/26; 100% and Student loans to be treated outside

1. Trustee obj there is disposable income $5,500, plan is proposing 100%. Bar date has passed total gucs filed $81,060.23.

Prop Plan $1,712 x 60 begin 5/1/26; 100%
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14569 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $331.00
AS OF 8/4/26 (SF)


RECOMMEND $331 X 36 (BEGIN 5/1/26) 0% PLAN




Plan proposes $331 x 36 0% Plan
Payments: 3/4 Arrears: $331


RESOLVED:
- The debtor must provide updated proof of auto insurance for the 2023 Kia .. The policy
provided has expired. (RECEIVED)
- Need a statement for the NY Life whole life insurance policy. (RECEIVED)


Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14571 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 4 of 4 required payments   Arrears: $0
8/10/26 email exchange between Cameron & AR. Per AR, no need to file MP for 60 months since Cameron mistakenly thought they were below median. (dm)

AS OF 8/10/2026 (at):

1. Amended I and J filed 6/16/2026. Excessive expenses:
- $1,150/month for food for two
- $300/month for clothing
- $400/month for personal care
- $2,020/month for transportation
- $260/month for mother's lawn care
- $140/month for mother-in-law's housekeeper
- $140/month for mother-in-law's landscaper
- $300/month for debt expenses

2. Trustee's objection:
- Need statements for the Wells Fargo Brokerage account and TD account 2018. (RECEIVED TD STATEMENTS APRIL FOR TD BANK. WELLS FARGO BROKERAGE ACCOUNT STATEMENT RECEIVED)
- A Modified Plan that to address the IRS claim. (NOT FILED)
- The Plan needs to run 60 months pursuant to the B22C form. (MODIFIED PLAN NOT FILED)

RESOLVED ISSUES:
- A copy of the last filed tax return - for 2025 by 5/31/2026. (RECEIVED 2025 RETURN FOR BOTH)
- IRS also has very large secured claim that will make the plan not feasible. (PLENTY OF DISPOSABLE INCOME TO PAY THIS CLAIM)
- Income for non filing spouse was not included so once the schedules are amended and proof of her income provided then Tr will need to review that. May be more disposable income. (PROOF OF INCOME RECEIVED - DISPOSABLE INCOME IS $5,607 BASED ON ORIGINAL SCHEDULE J)
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for non filing spouse. (RECEIVED)
- IRS estimated claim needs to be resolved. (NO LONGER ESTIMATED)
- Amendments to Schedules to sch i to add wife's income (AMENDED)

Plan proposes: $372 x 36 beginning 5/1/2026, $0 to unsecured creditors
Payments: 3/4, arrears $368
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14654 / EJOMarc C. Capone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 4 required payments   Arrears: $0
As of 8/11/26 (DS): Ok to confirm at $6,525 paid, $2,175 x 56 begin 9/1/26; 100%
- Fee app within 7 days from confirming order.
- COTBS with Santander with 15 days from confirming order - $29,407.40 at 8% total $32,023.31 adeq prot payments will continue post-pet.

1. Santander (WILLIAM E. CRAIG) obj to cram of interest. Must resolve obj. PER EMAIL FROM DEBTOR ATTY AND CREDITOR COTBS $29,407.40 at 8% total $32,023.31 adeq prot payments will continue post-pet. C/O within 15 days from conf order

As of 6/26/26 (DS): Debtor atty requested adj to resolve all issues

7/1/26 (DS): 1. Trustee obj to the following:
- 22C has disposable income $4,935 which would require a min. div. $296,100 to gucs. Plan propose 100%
- Must file fee app within 7 days from confirming order.
- Must resolve creditor objection. COTBS $29,407.40 at 8% total $32,023.31 adeq prot payments will continue post-pet

2. Santander (WILLIAM E. CRAIG) obj to cram of interest. Must resolve obj.

Prop Plan $2,175 x 60 begin 5/1/26; 100%
Note: Amended Sched B and C filed to add NJR stock $655 value. NJR stock acct provided has $655 in acct as of 5/19/26 is not listed on Sched B. Updated auto insurance and 401(k) loan balance statement provided. 401(k) loan payment $345 ends 12/24/28.
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14726 / EJOJustin M. Gillman, Esq.Confirmation Hearing ScheduledWithdrawnDebtor has made 3 of 4 required payments   Arrears: $600.00
 ADJ to 8/12 - Atty needs to talk to client - agrees with non-exempt equity

AS OF 7/20/2026 (at):

RECOMMEND: $1,200 PAID TO DATE, $952 x 57 BEGINNING 8/1/2026, BASE
- Student loans will be paid outside of the plan.
- Preserve non-exempt equity of $46,820.50 in real estate.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for contributors. (RECEIVED)
- 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 $832.44.
- 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 $46,820.50 in 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 STATES VESTING AT CONFIRMATION)

Modified plan before confirmation proposes: $600 x 60 beginning 5/1/2026, base
Payments: 2/3, arrears $600
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14751 / EJOKevin C. Fayette, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 8/4/26 (SF)


1. Quantum3 Group LLC filed secured claim for $15,905.14 which is not treated in the plan. UCC Lien for household goods

2. Trustee objection:

- The debtor has insufficient income.

- There is $6,384 non-exempt equity in the personal property.

- Need copy of settlement agreement from the sale of real estate in 2023. Debtor created an LLC to complete the transaction. (RECEIVED - Debtor received $43,068.41 from sale of property in Florida on 7/14/23. (What did debtor do with the funds?)

Plan proposes $750 x 60 Base
Payments: 4/4

RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Objection filed by Freedom Mortgage (Wilson) - failure to pay arrears of $1906.96 (RESOLVED VIA ORDER)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14853 / EJOJoseph Albanese, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 2 of 4 required payments   Arrears: $8,374.00
AR ADJ 9-23 PEREMPTORY
AR NOTE ATTY ADVISED DEBTOR NO LONGER EMPLOYED ( SO DOES NOT QUAILFY AS DEBTOR UNDER 10-9 ,TR ARREARS $8,374
LAST PAY 6-15 ,SUBSTANTIAL CONF ISSUES SET FORTH BELOW - ATTY WANT 2 CYCLE ADJ WHICH I CANT CONSENT - REC DISMISSAL AND FILE MOTION TO VACATE IF RESOLVED QUICKLY OR FILE NEW CASE
AS OF 8/10/2026 (at):

DEBTORS HAVE MADE TWO OF FOUR PAYMENTS.

1. Need a modified plan that checks off box 1e (joint administration). (MODIFIED PLAN NOT FILED)

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

3. Trustee's objection:
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$938/month for food
$247/month for roof repair
$802/month for transportation
$186/month for tolls
$56/month for additional gas
$150/month for anticipated tax payments
Need proof of expenses 10 days prior to confirmation. (RECEIVED PROOF OF TRANSPORTATION EXPENSE AND A BILL FOR $14,800 FOR ROOF REPAIR)
- 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):
- Per the 22C, monthly disposable income is $4,483 which requires a minimum dividend of $268,980 to general unsecured creditors.
- The attorneys' fees in the plan ($3,750) and the disclosure statement do not agree. The disclosure statement states that $3,750 will not be paid through the plan. One of these must be
amended. (NEITHER AMENDED)

RESOLVED ISSUES:
- The IRS filed an estimated claim which needs to be amended for tax years 2021, 2022 and 2025. (NO LONGER ESTIMATED)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution, and does not provide for equal monthly payments as required by ?1325(a)(5)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14916 / EJOJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 8/4/26 (SF)

RECOMMEND $200 X 60 (BEGIN 5/1/26) BASE PLAN
- STUDENT LOANS TO BE PAID THRU THE PLAN
- CONFIRM WITH TFS AUTO PAYMENTS




Trustee objection:

- The debtor has insufficient income. negative income

-Debtor's husband lives in England. He cannot legally return to the US until December 2027.
He is a sous chef and is not currently employed.

-Schedule J includes student loan payments, not provided for in the plan. (Modified plan includes student loans to be paid through plan so payment of $335 on schedule J must be removed)



Plan proposes $200 x 60 Base
Payments: 3/4 Arrears: $200


RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14933 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0
As of 8/11/26 (DS): Ok to confirm at $1,200 paid, $743 x 57 begin 9/1/26; 100% with a min. div. $123,874 due to non-exempt equity and add to confirming order Trustee ok to pay the arrears claim#1-1 of Truist Bank of $170.50

Wants to ADJ past Bar Date to resolve

7/1/26 (DS): 1. Debtor not current with Trustee payment for June, made a payment of $300, arrears $297. DEBTOR NOT CURRENT WITH AUGUST PAYMENT.

2. Trustee obj that plan fails to propose the non-exempt equity in the residence $123,874. BAR DATE HAS PASSED TOTAL GUCS FILED $34,919.48

3. Truist Bank filed arrears claim for $170.50. Trustee ok to pay?

Prop Plan $597 x 60 begin 6/1/26; Dollar Base $28,504
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-14961 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledContinued
9/2/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $563.00
AS OF 8/5/2026 (at):

Trustee's objection:
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)
- The NJ Division of Taxation filed an estimated claim which needs to be amended. (STILL ESTIMATED)

RESOLVED ISSUES:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $47,672 in non exempt equity in the real estate. (LANGUAGE ADDED)
- any non exempt proceeds from personal injury suit is payable to the Trustee. (LANGUAGE ADDED)

Plan proposes: $563 x 60 beginning 6/1/2026, base
Payments: 2/3, arrears $563
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-15051 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,930.00
AS OF 8/10/2026 (at):
AR MFR BOAT (NOT LISTED IN PLAN)

1. Cambridge Manor Condo Association filed a bifurcated claim which needs to be resolved. (UNRESOLVED. Received email from Atty for creditor asking about claim treatment - dm)

2. Objection filed by LoanDepot.com (Albertelli Law) - failure to cure arrears of $32,972.70 (Per claim). Plan proposes to pay $0. (UNRESOLVED)

3. Objection filed by Rocket Mortgage (McCalla Raymer) - failure to cure arrears of $1,480.39 (Per claim). Plan proposes to pay $0. (RESOLVED - NEED TERMS)

4. Ford Motor Credit filed a secured arrears claim for $723.68 which is not in the plan. Is the debtor going to pay this claim?

5. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$850/month for home maintenance
$1,170/month for utilities
$600/month for clothing
$550/month for personal care
$1,050/month for medical and dental
$1,080/month for transportation
$750/month for entertainment
Need proof of expenses 10 days prior to confirmation. (NOT RECEIVED)
- Need statements for the debtor's (2) 401k loans. (NOT RECEIVED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2025 (RECEIVED)
- A copy of the homeowner's insurance renewal declaration - for Buckingham Circle . Policy expires on 5/30/26. (RECEIVED)
- Need a statement for the spouse's LOSP loan. (RECEIVED - LOAN NOW PAID OFF)
- The debtor must provide updated proof of auto insurance for the 2022 Ford and 2019 Subaru. The policy provided expires on 6/12/2026. (RECEIVED)
- The current Plan does not specify treatment of Ford Motor's secured arrears claim under the Plan. (LISTED ABOVE)
- 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):
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-15056 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0
As of 8/11/26 (DS): CONFIRM AT $307 X 3 BEGIN 6/1/26, $774 X 57 BEGIN 9/1/26; BASE WITH A MIN. DIV. $29,842 DUE TO NON-EXEMPT EQUITY
- E-WAGE WITHIN 7 DAYS FROM CONFIRMING ORDER.
- STUDENT LOANS TO BE TREATED OUTSIDE.
- ADD TO CONFIRMNG ORDER TRUSTEE TO PAY ARREARS CLAIM#2-1 OF ONEMAIN FINANCIAL IN THE AMOUNT OF $425.18, THE REMAINDER CLAIM TO BE TREATED OUTSIDE.
- CLAIM#3-1 OF ALLY BANK LEASE NOT TO BE ASSUMED.
- TRUSTEE TO PAY ARREARS CLAIM#13-1 OF NEWREZ IN THE AMOUNT OF $6,155.72 COTBS W/I 15 DAYS FROM CONFIRMING ORDER.

7/1/26 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, STILL INSUFFICIENT EVEN AFTER ADDING SPOUSE 2025 TAX REFUND disposable income verifies $105, DEBTOR WILL NEED $774. Debtor will need to do e-Wage. Due to non-exempt equity will require a much higher Trustee payment $774. DEBTOR WILL REQUIRE E-WAGE
- There is non-exempt equity in the residence $27,578, The Atlantic FCU $1,225 and Chase $1,039 total $29,842.
- OneMain filed arrears claim which is bifurcated. Arrears owed $425.18, secured $8,425 and unsecured $2,121.71. How is Trustee to handle claim? Arrears to be paid, remainder claim to be treated outside?

2. NewRez (LAURA EGERMAN ) obj that arrears owed $5,394.85, POC filed with arrears $6,155.72. STATUS CHANGE FORM FILED 8/10/26 AS MATTER SETTLED COTBS WITHIN 15 DAYS FROM CONFIRMING ORDER

3. Chrysler - 2022 Jeep filed secured/leased claim with no arrears, not in plan. Trustee is to treat that lease is not to be assumed.

Prop Plan $307 x 36 begin 6/1/26; Dollar Base $6,000
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-15181 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 8/10/2026 (at):

Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- A Modified Plan that checks off box 1e (joint administration) (MODIFIED PLAN NOT FILED)

RESOLVED ISSUES:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The current Plan does not specify treatment of Quantum 3's secured claim under the Plan. (100% PLAN)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $257,570 non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)

Plan proposes: $900 x 60 beginning 6/1/2026, 100% plan
Payments: 2/3, arrears $900
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-15313 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 8/10/2026 (at):

RECOMMEND: $2,100 PAID TO DATE, $1,100 x 57 BEGINNING 9/1/2026, BASE

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - for 2025. (RECEIVED)
- Statements from SoFi Broker acct and Life insurance policy prior to filing date. (RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- 22C has excessive expenses: Line 18. Life insurance $469.38 (need proof of $400), Line 20 Education $50, Line 43 spouse credit cards and support of parents $1,000 (not listed on
Sched J listed as support). Must provide proof of expenses.
- Sched J has excessive expenses: Home maintenance $150 (not homeowner), Life insurance $400, Spouse credit cards $1,000, Support $1,000 and student loan $350, not in
plan. Must provide proof of expenses 10 days prior to confirmation. (RECEIVED PROOF OF EXPENSES - WIFE'S CREDIT CARDS ARE $400 - REDUCED EXPENSES BY $600)
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- 22C Line 45 presently shows disposable income $694.84, pending proof of expenses and 2025 Tax return, there may be more disposable income.
- Disposable income also verifies higher at $892 pending proof of expenses and 2025 Tax return.

Plan proposes: $700 x 60 beginning 6/1/2026, base
Payments: 3/3
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-15486 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 3 required payments   Arrears: $0
Note - changed tax returns within 30 days (dm)
AS OF 8/12/2026 (at):

RECOMMEND: $3,000 PAID TO DATE, $3,500 x 57 BEGINNING 9/1/2026, LOAN MODIFICATION BY 12/1/2026, 100% PLAN
- Preserve non-exempt equity of $346,352 in real estate.
- Need 2025 tax return within 30 days of confirmation.

Trustee's objection:
- A copy of the last filed tax return - for 2025. (NOT RECEIVED)

RESOLVED ISSUES:
- The debtor has failed to supply the Trustee with the following document(s):
- Domestic Support Obligation information for support payments. Per Sched I Debtor pays $1,250 for support payments. (RECEIVED)
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- 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 verifies $4,004.18 and disposable income verifies $7,494. Plan propose 100%.
- The Plan provides for payment on distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is non-exempt equity in the residence $346,352. (LANGUAGE ADDED)
- Hughes Federal Credit Union filed arrears for $620.53. (100% PLAN)

Plan proposes: $1,500 x 6 beginning 6/1/2026, $2,983 x 54, loan modification by 12/1/2026, 100% plan
Payments: 2/3, arrears $1,500
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-15739 / EJOGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
9/2/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
AS OF 8/10/2026 (at):

1. 341 is scheduled for 8/13/2026 (READY)
2. Payments: 3/3
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-15904 / EJORyan L. Gentile, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,650.00
As of 8/11/26 (DS): Debtor atty requested adj, 341 sched 8/27/26
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-15974 / EJOKarina Pia Lucid, Esq.Confirmation Hearing ScheduledContinued
10/14/2026 10:00 am
Debtor has made 3 of 3 required payments   Arrears: $0
341 is ready
8/10/26 (sf) Adj request denied. 341 not held or rescheduled


issues as of 8/6/2026 (JMA)

1) 341 not held, not rescheduled

proposed plan $4295.29x60 base
paid in $8,600
arrears $4,285.87
last claim 11-1
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16015 / EJOWarren Brumel, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,500.00
AS OF 8/10/2026 (at):

1. Objection filed by Freedom Mortgage (Brock & Scott) - failure to cure arrears of $4,742.65 (Per POC). Plan proposes to pay $0. (RESOLVED - PAY PER POC)

2. Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- Verified income leaves monthly disposable income of $2,518. (100% PLAN)
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)

RESOLVED ISSUES:
- The debtor must provide updated proof of auto insurance for the 2024 Infiniti. The policy provided has expired. (RECEIVED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $161,581 non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)

Plan proposes: $1,500 x 12 beginning 6/1/2026, $2,100 x 48, 100% plan
Payments: 2/3, arrears $1,500
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16052 / EJOJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanMootDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 8/3/2026 (at):

PLAN WAS ALREADY CONFIRMED ON 7/22/2026.
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16100 / EJOJoseph Casello, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 1 of 3 required payments   Arrears: $200.00
issues as of 8/6/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Disposable income verifies $-1,930. Debtor will need e-Wage.
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income from child support Debtor receives. Document provided from 2025 is not recent.
- TPAF Loan balance statement prior to filing date and updated auto insurance for 2024 Jeep if not confirmed 8/12/26, expires 8/14/26.
- The debtor must provide proof of auto insurance for the 2024 Hyundai Kona.
- The current Plan does not specify treatment of Hyundai Lease (2024 Hyundai Kona) under the Plan.
- The circumstances and contents of the debtor's Plan, when taken in their totality, indicate that the plan is not proposed in good faith in accordance with 11 U.S.C.  1325(a)(3).
- Plan fails to propose the non-exempt equity.

proposed plan $100x3, begin 6/1/2026. $650x57 begins 9/1/2026 base plan
paid in $100
arrears $200
last claim 8-1
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16188 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
TFS pending for 1798
AS OF 8/4/26 (SF) NO PAYMENTS

NO CLAIMS FILED YET

Trustee objection:

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

- Using proof of income provided, income is significantly higher than amount scheduled, $1,755.

- There is $158,741.64 non-exempt equity in house. (100% PLAN)



Plan proposes $899 x 60 100% Plan
No Payments: 0/2 Arrears: $1798



Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16193 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledMoot - DismissedDebtor has made 0 of 2 required payments   Arrears: $0
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16226 / EJOLaurence R. Sheller, Esq.Confirmation Hearing ScheduledConfirmedDebtor has made 2 of 2 required payments   Arrears: $0
As of 8/7/26 (DS): Ok to confirm at $650 paid, $650 x 58 begin 9/1/26; 100% with a min. div. $54,736 due to non-exempt equity

1. Trustee obj there is non-exempt equity in the residence $43,753 in the residence and $10,983 in non-exempt equity in the personal property total $54,736. TOTAL GUCS FILED $1,454.05.

Prop Plan $650 x 60 begin 7/1/26; 100%
Note: Updated auto insurance for 2019 Chrysler provided.
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16236 / EJOCarlos D. Martinez, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 8/7/2026 (at):

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The IRS filed an estimated claim which needs to be amended. (STILL ESTIMATED)

RESOLVED ISSUES:
- The current Plan does not specify treatment of the two Cross Country Mortgage claims and two Acar Leasing claims under the Plan. (100% PLAN)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $373,569 in non-exempt equity in the real estate. (100% PLAN) (LANGUAGE ADDED)
- Debtors' attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)
- Non exempt proceeds from personal injury suit are to be turned over to the trustee. (LANGUAGE ADDED)

Plan proposes: $5,900 X 60 beginning 7/1/2026, 100% plan
Payments: 1/2, arrears $5,900
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16251 / EJOAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
9/2/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
issues as of 8/6/2026 (JMA) 341 RESCHEDULED

1) No 341 held, not rescheduled
2) No Trustee plan payments to date, arrears $1,456

proposed plan $728x60 100%
paid in $0
arrears $1456
last claim 2-1
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16253 / EJOLee M. Perlman, Esq.Confirmation Hearing ScheduledContinued
10/14/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
As of 8/10/26 (DS): Debtor atty requested adj 341 scheduled 8/20/26, but auto insurance expires 8/15/26, request denied. Must provide updated auto insurance. (RECEIVED)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16319 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledContinued
9/2/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
Adj to after bar date

341 SCHEDULED FOR 8/6
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16331 / EJOCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
As of 8/7/26 (DS): Debtor atty requested adj to resolve all issues and pass bar date


As of 8/5/26 (DS): 1. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $190, after deducting the difference on auto insurance.
- Must resolve the estimated tax claims of the IRS and State of NJ 2020 and 2022-2025 not filed.
- Add to confirming order non-exempt proceeds from PI lawsuit to Trustee.

2. Exeter Finance (WILLIAM CRAIG) obj that car cannot be cram due to vehicle purchased 3/5/25 less than 910 days before filing. Must resolve obj.

Prop Plan $388.55 x 60 begin 7/1/26; Base
Note: Service to Exeter ok and obj filed by creditor.
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16543 / EJOYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $3,000.00
issues as of 8/6/2026 (JMA)

1) IRS and State of NJ Taxation filed estimated claims
2) Need to file pre-confirmation certification
3) M&T Bank (2023 Ford Transit) filed claim 5-1 with arrears of $1,258.68

proposed plan $3,000x60 base plan
paid in $3,000
arrears $3,000
last claim 6-1
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16545 / EJOFrancis P. Cullari, Esq.Confirmation Hearing ScheduledContinued
9/2/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
Adj to after bar date
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16592 / EJOScott D. Sherman, Esq.Confirmation Hearing ScheduledContinued
10/14/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
issues as of 7/30/2026 (JMA)

1) Freedom Mortgage Corporation (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- Creditor anticipates filing proof of claim for pre-petition arrears totaling $116,675.
2) 341 hearing held today, will complete the workup when
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16601 / EJOGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 8/10/26 (SF) - Copy of TFS receipt received for 2 payments


1. 341 not held - Rescheduled to 8/27/26
2. No Payments: TFS Receipt provided for payment of $6000



Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16615 / EJOWilliam S. Wolfson, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,030.00
341 is 8/6/2026. (READY)
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16667 / EJOPRO SEConfirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 0 of 2 required payments   Arrears: $3,000.00
issues as of 8/6/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): A Modified Plan that marks off Part 8 a Vesting upon confirmation and Part 8c Trustee standard order of distribution.
- Amendments to Schedules C to take Federal or State exemptions on all assets, not both. Form is blank.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s):
Disposable income verifies higher than scheduled.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $12,059 when determining disposable income.
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's recommended order of distribution and does not provide for equal monthly payments as required by 1325(a)(5)(iii)(l).

proposed plan $1,500x24 begin 7/1/2026; $1,750x24; $1,600x12 base plan
paid in $0
arrears $3,000
last claim 11-1
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16932 / EJOThomas G. Egner, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 2 required payments   Arrears: $0
NA
issues as of 8/6/2026 (JMA)

1) 341 not held, not rescheduled
2) No Trustee plan payments to date, arrears $300

proposed plan $150x60 sale 12/2026 100% plan
paid in $0
arrears $300
last claim 8-1
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-16937 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 1 of 2 required payments   Arrears: $537.00
AS OF 8/4/26 (SF)

1. The plan proposes to cram Associated Bank in Part 4d of plan and proposes to pay in full in Part 4g of the plan. Cannot do both. Also, attorney did not file a certification of service.


2. Trustee objection:

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


Plan proposes 4537 x 60 9% Plan
Payments: 1/2 Arrears: $537


Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-17020 / EJOBrian S. Thomas, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $419.00
issues as of 8/7/2026 (JMA)

1) 341 hearing rescheduled for 8/20/2026 - ok to adjourn confirmation hearing to 9/16/2026
1) Shellpoint Mortgage needs to file claim.
2) Capital One Auto Financed.

proposed plan $929.65x60 base plan
paid in $960
arrears $899.30
last claim 5-1
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-17056 / EJOLee M. Perlman, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 2 of 2 required payments   Arrears: $0
issues as of 8/6/2026 (JMA)

1) Trustee objection to confirmation - NEED TO REOLVE
- The debtor has insufficient income.
- The debtor has failed to supply the Trustee with the following document(s): Domestic Support Obligation information.
- There is $406.89 non-exempt equity in acct#7188.
- There is $1,378.31 non-exempt equity in acct #0432
- There is $58,479.29 non-exempt equity in house.
- TOTAL NON-EXEMPT EQUITY $60,254
2) Quantum3 Group LLC as agent for Flagstar Bank - claim is not provided for under the plan.
- Creditor filed secured claim 7-1 for $17,408.71. The plan does not advise how claim is to be treated. Please contact creditor for additional guidance.

proposed plan $1,010x60 base plan
paid in $2,020
last claim 9-1
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-17081 / EJOAllen I. Gorski, Esq.Confirmation Hearing ScheduledDismissedDebtor has made 0 of 2 required payments   Arrears: $0
NA
AS OF 8/10/2026 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/2, arrears $200
Email InquiryRequest
Adjournment
8/12/2026 10:00 am26-17096 / EJOYakov Rudikh, Esq.Confirmation Hearing ScheduledContinued
9/23/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
issues as of 8/6/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s):- Bank statements from Navy Federal Credit Union for May and June prior to filing date.
- Amendments to Schedules B and C to add Valley Bank acct#120 to have $445 in acct.
- The debtor must provide updated proof of auto insurance for the 2020 Lexus. The policy provided has expired.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Auto insurance $254 (verifies $216) and car payment $820.
- 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): Debtor's bi-weekly PERS loan payment $549.64 ended 5/10/26, which would have disposable income $1,992.
- Capital One Auto filed arrears $30.

proposed plan $150x60 base plan
paid in $150
arrears $150
last claim 6-1
Email InquiryRequest
Adjournment
8/12/2026 11:30 am25-23144 / MBKEric S. Landau, Esq.Order to Show CauseContinued
10/21/2026 1:00 pm
OSC FOR SANCTIONS AGAINST DEBTOR AND COUNSEL
Email InquiryRequest
Adjournment
8/12/2026 1:00 pm25-23741 / CMGLee M. Perlman, Esq.Order Shorten TimeGrantedconf date 9/16
debtor says the MFR payments are not correct they
debtors object to atty fee balance to be paid to perlman office in dismissal order


*** CMG***

MFR on 8/26

NEED PPSD ORDER

DEBTOR FILED MTN TO VACATE DISMISSAL (AND OBTAIN NEW COUNSEL) Pro Se


MFR on 8/26/26

MK: case was dismissed 8/5at conf: failure to make Tr payments. (NOTE payment posted on 8/6 that brough them current)Failure to provide home insurance w/ personal liability coverage for Alabama property0HAVE THIS NOW)
plan failed to address a secured claim filed by Cavalry SPV/Synchrony/Walmart judgment claim for $1,396.56
Email InquiryRequest
Adjournment
8/12/2026 2:00 pm23-14807 / EJOPeter J. Broege, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
8/12/2026 2:00 pm24-21784 / EJOKarina Pia Lucid, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
8/12/2026 2:00 pm24-22571 / EJOWarren Brumel, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
8/12/2026 2:00 pm25-15917 / EJOAndrew Thomas Archer, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
8/12/2026 2:00 pm25-23716 / EJOJustin M. Gillman, Esq.Motion CompensationRevised Order SubmittedAmended Order submitted to Chambers 7/16/26 (dm)
Email InquiryRequest
Adjournment
8/12/2026 2:00 pm26-12790 / EJOMarc C. Capone, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
8/12/2026 2:00 pm26-13522 / EJOScott J. Goldstein, Esq.Motion CompensationGranted
Email InquiryRequest
Adjournment
8/12/2026 2:00 pm26-15251 / EJOMarc C. Capone, Esq.Motion CompensationGranted
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes