ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Eamonn J. O'Hagan

Hearing Date: 9/2/2026
Last Updated: 7/29/2026 6:06 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
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Adjournment
09/2/2026 9:00 am19-20185 / EJOCandyce I. Smith-Sklar, Esq.Motion Reopen Ch. 13 Case (fee)No Opposition FiledMTN REOPEN TO REC DISCHARGE
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Adjournment
89/2/2026 9:00 am22-13264 / EJOPRO SEMotion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: MP 9/2****

7/14 AMT: FILED STATUS CH TO AMEND MINUTES FROM TR ORDER TO CONTINUED<>

TRUSTEE ORDER PROPOSED -AMT: $ 149,732 PTD (50); $ 4,200 X 10 BEG 7/1/26; MP IN 14 DAYS TO SURR MITSIBUSHI OR FILE MTN TO REINSTATE STAY (EMAIL TO DEBTOR)<>

debtor obj<>SV/GLOBAL LENDING; CONDUIT PLAN PAYMENT NEEDS TO INCREASE TO DUE NTC OF PYMT CHANGES
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Adjournment
09/2/2026 9:00 am22-14960 / EJOJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS; DEBTOR FAILED TO ENROLL IN TFS WITHIN 14 DAYS OF 2/25/26 TR ORDER
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am23-13810 / EJOJohn Zimnis, Esq.Motion Relief from Stay (Fee)No Opposition FiledSTRUCTURED ASSET SECURITIES MTG (PADGETT)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am23-13989 / EJOMaryBeth Schroeder, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am23-16975 / EJOKarina Pia Lucid, Esq.Motion Reinstate StayNo Opposition FiledMTN REINSTATE STAY
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Adjournment
179/2/2026 9:00 am23-16975 / EJOKarina Pia Lucid, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledSV/US BANK
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am24-13404 / EJOBruce C. Truesdale, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am24-15548 / EJORobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
309/2/2026 9:00 am24-15681 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsLoss Mit Extended to 8/15
Debtor obj<>FAILED TO LM BY 2/28/25;
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am24-16431 / EJOMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am24-17442 / EJOSteven J. Abelson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledFAILED TO SELL RHODE IS PPTY BY 6/1/26
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am24-18098 / EJOKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am24-18838 / EJORichard F. Fried, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am24-19028 / EJOThomas G. Egner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledSV/DEUTSCHE
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am24-20320 / EJORobert C. Nisenson, Esq.Motion Relief from Stay (Fee)No Opposition FiledCARRINGTON MTG (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am24-21206 / EJOMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am24-22257 / EJODaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am25-10898 / EJOLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>100% NOT FEASIBLE DUE TO ALLY CAP DEFICIENCY CLM #10-2
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Adjournment
09/2/2026 9:00 am25-11169 / EJOJeanie D. Wiesner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am25-13392 / EJOPaul H. Young, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledPNC BANK (McCALLA rAYMER)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am25-13537 / EJODavid G. Beslow, Esq.Motion Relief from Stay (Fee)No Opposition FiledNEWREZ (HILL WALLACK)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am25-14351 / EJOJames J. Cerbone, Esq.Motion Convert Chapter 13 to Chapter 7 (fee)No Opposition FiledTRUSTEE MTN TO RECONVERT TO CH 7/ARREARS (NEEDS TO ADDRESS #9-2 IF RESOLVING MTN)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am25-15728 / EJOBrian S. Thomas, Esq.Motion Relief from Stay (Fee)No Opposition FiledALLY CAPITAL (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am25-17100 / EJORobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am25-17166 / EJOJohn Zimnis, Esq.Motion File Claim After Claims Bar DateNo Opposition FiledMTN FILE LATE POC ON BEHALF OF NEW JERSEY LAW & PUBLIC (DuPont)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am25-18593 / EJOJoseph Casello, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS; FAILED TO FILE MP WITHIN 14 DAYS OF 4/8/26 ORDER VACATING DISMISSAL
Email InquiryMatter ResolvedRequest
Adjournment
569/2/2026 9:00 am25-19677 / EJOJohn Zimnis, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>CARDINAL FINC CO (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am25-20852 / EJOFrancis P. Cullari, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledMTN TERNINATING STAY/PENNYMAC LOAN (POWERS)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am25-21972 / EJOThomas G. Egner, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledFAILED TO ADDRESS NJ DIV TAX EST POC #13-1
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am25-22205 / EJORobert Cameron Legg, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledDEBTOR MTN TO ALLOW LATE FILE CLM - Tax Sale Cert
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am25-22537 / EJOWarren Brumel, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am25-22662 / EJOMatthew Gross, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN EXPUNGE CLM#9-1
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am25-23229 / EJOKevin C. Fayette, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS; SV/EAST ST URBAN RENEWAL
Email InquiryMatter ResolvedRequest
Adjournment
2169/2/2026 9:00 am26-10147 / EJOPRO SEMotion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsAR NOTE NEED TO RESOLVE FOR CONF / INHERITED PTY
Hold for Judge on 7/22/26 at 2 PM

ADJ to 7/1 Peremptory for Pro Se debtor (dm)

Debtor Aobj<>WILMINGTON SAVINGS FUND (GREENSPOON)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am26-11177 / EJOMarc C. Capone, Esq.Motion Relief from Stay (Fee)No Opposition FiledWESTLAKE SERVICES (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am26-11181 / EJOJohn Zimnis, Esq.Motion Relief from Stay (Fee)No Opposition FiledLAKEVIEW LOAN (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am26-11488 / EJOJeanie D. Wiesner, Esq.Motion Relief from Stay (Fee)No Opposition FiledWESTLAKE FINC (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am26-11498 / EJOJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj<>PLAN WAS WITHDRAWN ON /5/20/26 AND FAILED TO FILE MP
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am26-11498 / EJOJustin M. Gillman, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>DEUTSCHE BANK NAT'L (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
969/2/2026 9:00 am26-12858 / EJOJennifer N. Weil, Esq.Motion Convert Chapter 13 to Chapter 7 (fee)Needs Resolution of Issues - ObjectionsAR SENT NOTE T CHAMBERS
debtor obj<>ESTATE OF OWENS MTN TO CONV TO CH 7
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am26-13376 / EJOEdward Nathan Vaisman, Esq.Motion Relief from Stay (Fee)No Opposition FiledROCKET MTG (STERN & EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am26-16647 / EJODaniel E. Straffi, Esq.Motion SellNo Opposition FiledPROPERTY #16
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am26-17299 / EJOJeanie D. Wiesner, Esq.Motion Relief from Stay (Fee)No Opposition FiledBRIDGECREST CREDIT CO (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 9:00 am26-17965 / EJOJeffrey H. Ward, Esq.Motion Relief from Stay (Fee)No Opposition FiledACAR LEASING (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am22-13264 / EJOPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 41 of 51 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am24-16748 / EJOJames J. Cerbone, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 23 of 24 required payments   Arrears: $394.00
Atty will withdraw MP and filed Motion to pay off early per AR suggestion (dm)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am25-10898 / EJOLee M. Perlman, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 16 of 18 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am25-11208 / EJORichard F. Fried, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 7 of 17 required payments   Arrears: $4,500.00
Email InquiryMatter ResolvedRequest
Adjournment
1179/2/2026 10:00 am25-21353 / EJOE. Carlton Kromer, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 9 of 9 required payments   Arrears: $0
AR RESOLVE OR HOLD
7/16 workup EDC

*Need att response regarding conduit request

-MFR with conduit request

*Trustee obj:
Need conduit, I & J and updated POI--NOT DONE

mp $1116 x 51 adding mortgage arrears --trustee will not pay IRS priority claims unless valid priority claim is filed
--Trustee will pay Finwise Bank claim through the plan
--Trustee will pay Hyundai claim in full


previous conf terms:
$2334.23 PAID THEN $805 X 57 BEG. 2/1/26-100% TO UNSECURED DUE TO EQUITY OF $55,852 IN PROPERTY ---Use trustee order of distribution
--trustee will not pay IRS priority claims unless valid priority claim is filed
--Trustee will pay Finwise Bank claim through the plan
--Trustee will pay Hyundai claim in full
Email InquiryMatter ResolvedRequest
Adjournment
919/2/2026 10:00 am25-21412 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 8 of 9 required payments   Arrears: $500.00
ADJ to 9/2 - Cory to do another OTBS with Loan Mod within 90 days or dismiss
ISSUES AS OF 6/26/2026 (DM):

***Only one GUC filed for $123. It does not appear that debtor obtained a Loan Mod by Mid-June per the proposed OTBS below, so plan is no longer feasible - RECOMMEND DISMISSAL***

 6/12/26 - GROSS POLOWY LLC filed a Cert of Default on behalf of US Bank/Selene (dm)

 ADJ to 7/1 Peremptory (dm)

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

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

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


Prop. Plan $500 x 60, Base Plan
- Loan Mod on US Bank/Selene loan by 5/1/26
PTD 7/8 = $3,500
Last Claim (1-2)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am25-22308 / EJOJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 8 required payments   Arrears: $3,030.00

1) Trustee OBJ:
- MP does not pay required $44,193 threshold dividend to GUCs per confirmed plan.
- MP does not address $3,030 arrears as MP filed.


Confirmed Case: $1,500 PTD, $1,106 x 57, 100% Plan with $44,193 Min Div
Prop. MP: $500 x 60, Base Plan
- sale of real estate by 9/2028
- surrender Toyota lease.
PTD = $4,000, Arrears $3,030 as MP filed in July.
Last Claim (12-1) dated 1/20/26
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am25-22662 / EJOMatthew Gross, Esq.Confirmation HearingPending WorkupDebtor has made 8 of 8 required payments   Arrears: $1,217.00
UPDATED 7/23/2026 (JMA) UPDATED
issues as of 7/17/2026 (JMA)

1) Amended Attorney Compensation Statement still checks the box "will not be paid through plan". If the balance of $2.813 is to be paid through plan, another Amended Disclosure should be filed.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification - NOT FILED TO DATE
- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income for May and June 2026 from both employments and Profit & Loss statements from Jan.-June 2026.
- Business forms: for Tara's Homecare/Pet sitting and More.
- A copy of the last filed tax return for 2025.
- A copy of the homeowner's insurance renewal declaration expired 6/10/26. - RESOLVED, RENEWAL PROVIDED, EFFECTIVE THROUGH 6/10/2027
- The debtor must provide updated proof of auto insurance for the two cars. The policy provided has expired.
- 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 $8,617.67. Plan propose 100%.
- There is much disposable income. Plan propose 100%.
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,359 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is non-exempt equity in the residence $181,714 and bank accts $12,650.
- Foundation Finance filed claim with no arrears owed. Plan proposed to pay arrears $3,660. This needs to be stricken and not paid, since no arrears owed. add to terms vesting at confirmation.
2) The claims bar date does not expire until 8/10/2026. To date claims total $65,379.88

p
Email InquiryMatter ResolvedRequest
Adjournment
2179/2/2026 10:00 am26-10147 / EJOPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0
AR NEED RESOLUTION OF MFR 341 READY TO BE SCH AND THE CONF CAN BE REVIEWED
ISSUES AS OF 7/14/2026 (DM): Debtor OBJ to MFR filed as Doc #30.

 7/1/26 - Hold for Judge on 7/22/26 at 2 PM

***Case is 5 months old and Trustee does not have all documents needed to conduct the 341 Meeting of Creditors - RECOMMEND DISMISSAL***

 Per AR, ADJ to 7/1 Peremptory for Pro Se debtor (dm)

 MFR by Wilmington Savings (Greenspoon) scheduled for 7/1/26 ... 7/22/26.

1) 341 Meeting of Creditors not held, not rescheduled - still missing documents.
2) Plan failed to complete Part 5a treatment of unsecured claims


Prop. Plan $100 x 6, $2,500 x 12, $5,045.30 x 42, ???
- at month 18 debtor may be eligible for USDA loan.
PTD 6/6 = $600.25
Last Claim (6-1)
Email InquiryMatter ResolvedRequest
Adjournment
1259/2/2026 10:00 am26-10178 / EJOErik Frins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 6 required payments   Arrears: $0
Communicated with Atty regarding DSO issue - ADJ to 9/2/26 (dm)
ISSUES AS OF 7/17/2026 (DM):

 ADJ 7/22 - Amended schedules & Matrix adding Probation Department within 14 days (FILED)

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

1) Only 1 of the 5 DSO recipients personally filed a POC - Somerset County Probation Department has yet to file a POC on behalf of the other 4 DSO recipients. (UNRESOLVED.)

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

***RESOLVED ISSUES***

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

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

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

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


Prop. Plan $2,800 x 60, Base Plan
PTD 6/6 = $18,200
Last Claim (27-2)
Email InquiryMatter ResolvedRequest
Adjournment
1359/2/2026 10:00 am26-11217 / EJODaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
Per AR - ADJ to 9/2
ISSUES AS OF 7/15/2026 (DM):

***Plan is not remotely feasible without a Loan Mod. Based upon the filing history of the debtors, this case should be dismissed with a 180-day Bar***

 MFR file by Carrington scheduled for 7/22/26.

1) IRS filed $19,100.97 amended priority POC (6-3) that includes estimated taxes for 2023. (UNRESOLVED)

2) IRS filed an amended general unsecured POC (6-3) that includes estimated taxes for 2020. (UNRESOLVED)

3) State of NJ filed $5,713.09 amended priority POC (2-2) that includes estimated taxes for 2024 & 2025. (UNRESOLVED)

4) MP proposes the bulk of the treatment to the IRS and State of NJ as priority claims - both creditors filed the bulk of their claims as secured. (PAY PER POC ONCE ESTIMATED TAXES ARE REMOVED??)

5) Carrington (Friedman) OBJs - $146,069.49 arrears on real estate. The debtors' Plan is underfunded. (UNRESOLVED)

 Note - Carrington (Friedman) OBJ to Loss Mit - Debtors entered into 2 Loan Mods 11/1/14 and 7/1/17. In addition to the 2 Loan Mods, Debtors participated in Court Loss Mit during prior bankruptcy 22-11550 granted 5/12/22 but did not obtain a Loan Mod and case was dismissed for failure to make payments. Then another bankruptcy was filed 24-17792 which debtors request to participate in Loss Mit and was granted 10/1/25, but they did not submit Loss Mit App and creditor obtained relief and case was dismissed.

6) Trustee OBJ:
- Dismissal of this case should trigger a 180 bar to re-filing. This is the 3rd filing in 5 years for the debtors.
- Atty Fees in the Plan $4,650 and Atty Disclosure $3,910 do not agree. Per SOFA fee balance should be $3,910. Must file MP to correct attorney fees. (MP CORRECTS)
- Debtor has insufficient income.
- Need 2024 and 2025 Tax returns. (UNRESOLVED)


Prop. Plan $500 x 12, $2,500 x 48, 100% Plan
- Loan Mod by 9/1/26
PTD 4/5 = $2,000
Last Claim (6-3)
Email InquiryMatter ResolvedRequest
Adjournment
1139/2/2026 10:00 am26-11485 / EJOEdward Hanratty, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
ISSUES AS OF 6/23/2026 (DM):

***Atty needs to address disposable income and excessive expense objections***

1) US Bank (RAS) OBJs - $6,634.36 arrears on real estate. (OTBS)

2) Trustee OBJ:
- Form 22C and Sch I/J show there is disposable income.

- Income verifies at $13,352 - not deducting the excessive expenses disposable income verifies at $4,897. (HIGHER WHEN TAX REFUND ADDED TO INCOME)

- Sch J Excessive Expenses: Child's Education cost $1,169.58, Dance school $560, Dance costumes $100, Tumbling school $200.83, swimming school for son $110.95, Prorated
IRS expected amount $214.75 and Prorated State taxes $61.42. Expenses for children are recreational purposes. Plan does not propose to pay 100% to unsecured creditors. Must
provide proof that taxes are being paid. (UNRESOLVED)

- Form 22C Excessive Expenses: Line #20 Education marks off as a condition for job or for your physically/mentally challenged dependent if no public education available $1,169.58, Line #23 Optional Tele services $374 (allowed $225), and Line #45 shows disposable income $431.94 and will have $1,750.52.

- There is $82,593 non-exempt equity in the residence (pending all claims filed), 2015 Toyota $275, Santander checking acct $818 and remainder 3 savings accts $8. (CLAIMS FILED, NON-EXEMPT EQUITY IN RESIDENCE IS $65,464)

- Need to file Pre-Confirmation Certification. (UNRESOLVED)

***RESOLVED ISSUES***

A) IRS filed an estimated claim which needs to be amended. (AMENDED)

B) NJ Division of Taxation filed an estimated claim which needs to be amended. (AMENDED)

C) Trustee OBJ:
- Need a copy of 2025 tax return by 5/31/26. (RECEIVED)


Prop. Plan $1,500 x 60, Base Plan
PTD 4/4 = $6,000
Last Claim (7-2)
Email InquiryMatter ResolvedRequest
Adjournment
1419/2/2026 10:00 am26-11674 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
AS OF 7/16/26 (SF)



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

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

3. Trustee objection:

- The debtor has insufficient income.

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



Plan proposes $500 x 12; $4439 x 48; Base Plan; Loan Mod by 8/1/26
Payments: 5/5

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

- Must resolve IRS estimated tax claim, 2024 and 2025 not filed. (AMENDED)


Email InquiryMatter ResolvedRequest
Adjournment
1429/2/2026 10:00 am26-11733 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
AS OF 7/15/26 (SF)

Is objection resolved?

1. Objection filed The Bank of New York -(RAS) failure to pay arrears; speculative loan mod; proposed loan mod period is more than 90 days from date of filing; serial filer



Plan proposes $350 x 36 100% Plan; Loan Mod by 8/1/26
Payments: 4/5 Arrears: $350

RESOLVED:
- A copy of the last filed tax return - for 2025 (RECEIVED)
- The debtor has insufficient income.


Email InquiryMatter ResolvedRequest
Adjournment
1449/2/2026 10:00 am26-11782 / EJOYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
ISSUES AS OF 6/17/2026 (DM):

***Is second job at MVP Medical Associates listed on Schedule I and Form 22C***

1) State of NJ filed priority claim for $94.59, not in plan. (OKAY TO PAY?? Yes)

2) Trustee OBJ:
- Need amended 22C-1 and 22C-2 to take household of 1. Debtor is not married and has no dependents. (AMENDED)

- 22C has excessive expenses due to incorrect expenses taken for household of 2. Line #13e should be $391.81 and Line #13c should be $270.19, Line #15 for $244 should be removed, Line #20 Education for $200 should be removed - no education on Sch J, Line #23 for $400 only allowed $75 and Line #30 Additional food/clothing $52 should be removed. Tax refund not on 22C $34.42 which would leave Line #45 with disposable income $726.90 which would require a $43,614 Min. Div. to GUCs, and more disposable income once amended 22C has been filed to change to household 1. (AMENDED - RESULT IS NOW $704.67 OR $42,280 MIN DIV TO GUCs)
- 22C will have disposable income once amended 22C has been filed to change from household 2 to household 1. (SEE NOTE ABOVE)

- Sch J Excessive Expenses: Food $650, Clothing $150, Personal care $120, Entertainment $150, Life insurance $300 and Auto insurance $450 (verifies $165 for 2 cars). Must provide proof of expenses 10 days prior to confirmation.

- Disposable income verifies at $1,588. Schedule I failed to add tax refund.

- Need Divorce Judgment/Settlement Agreement. (RECEIVED)
- Need HUD-1 from sale of real estate on 1/17/24 as part of the Divorce. (RECEIVED. Debtor and ex-spouse received $133,810.38 - $2,623.75 (Spouse received credit for replacing hot water heater) = $131,186.25 /2 = $65,593.13 Debtor received from sale of real property on 1/17/24)

Note: 2025 Tax return, HUD and Property settlement agreement provided.


Prop. Plan $200 x 60, Base Plan
PTD 5/5 = $1,000
Last Claim (16-1)
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-11904 / EJOJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 5 required payments   Arrears: $0
ISSUES AS OF 7/15/2026 (DM):

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

2) Nexus Nova (Robert Fay) OBJs - failure to cure $2,151.90 mortgage arrears on real estate (UNRESOLVED)

3) Debtor has failed to properly serve Forward Financing with plan motions (UNRESOLVED)

4) Trustee OBJ:
- There is $61,500 non-exempt equity in house.
- Need a copy of 2025 tax return (UNRESOLVED)
- Need to amended Sch A/B, Q#38 (accounts receivable for Suburban Chiropractic Center) upon update received from debtor's accountant. (UNRESOLVED)
- Bank acct #1903 balance as of 1/30/2026 is $4,155.62 - need to amend schedules A/B and C to correct. (UNRESOLVED)
- Bank acct #9855 balance as of 1/20/2026 is $5,234.04 - need to amend schedules A/B and C to correct. (UNRESOLVED)

- Excess Expenses Sch J: $511 home maintenance; $650 telephone, cell phone, internet; $1,900 food family of 4; auto insurance $995 for 2 luxury cars; spouse debt service. Documentation in support of expenses must be provided to Trustee within 10 days of confirmation hearing. (RECEIVED - HOME MAINTENANCE = $230.50, SPOUSE CREDIT CARD = $613, CABLE/INTERNET/CELL = $696 AND CAR INS IS $997 - REDUCED EXPENSES BY $719.50 - issue may be moot - dm)

***RESOLVED ISSUES***

A) Trustee OBJ:
- Need to file Pre-Confirmation Certification. (FILED)
- Debtor has made payments to creditors that may be recoverable as preferences or fraudulent transfers. The Trustee reserves the right to amend its objection upon further investigation. (DM & AR REVIEWED SOFA, Q#6 - NO CURRENT ACTION BEING TAKEN)


Prop. Plan $1,600 x 60, Base Plan
PTD 5/5 = $8,000
Last Claim (21-1)
Email InquiryMatter ResolvedRequest
Adjournment
1469/2/2026 10:00 am26-12012 / EJOKarina Pia Lucid, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 5 required payments   Arrears: $0
ADJ to 9/2 Peremptory for estimated tax claims

As of 7/17/26 (DS): 1. State of NJ filed estimated tax claim, 2020-2025 not filed. Must resolve the claim.

2. IRS claim still needs to be resolved, 2021 not filed.

4/29/26 (DS): 1. Trustee obj must resolve IRS estimated tax claim, 2021 not filed. Must resolve.

Prop Plan $721 x 60 begin 3/1/26; Dollar Base $18,000
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-12152 / EJOMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 5 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-12316 / EJORegina L. Gelzer, Esq.Order Vacate Dismissal of Case3rd Party MatterDebtor has made 2 of 4 required payments   Arrears: $4,630.00
Email InquiryMatter ResolvedRequest
Adjournment
1499/2/2026 10:00 am26-12402 / EJOKarina Pia Lucid, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
issues as of 7/17/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation.
- The debtor has failed to file the required Pre-Confirmation Certification. NOT FILED TO DATE
- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income for new job along with an amended schedule J. NOT PROVIDED AND NOT FILED
- A copy of the last filed tax return for 2025 by 5/31/2026. RESOLVED, RETURN PROVIDED, NO REFUND
- Need statements for the (2) 401k loans.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $230/month for maintenance on an apartment
Need proof of expense 10 days prior to confirmation.
- The IRS filed an estimated claim which needs to be amended.
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.
- Debtor to provide closing statement from Madison NJ property, SETTLEMENT STATEMENT PROVIDED. SETTLEMENT DATE 4/26/2024

proposed plan $1500x60 base plan
paid in $6,000
last claim 18-1


RESOLVED:

- A copy of the last filed tax return for 2025 by 5/31/2026. RESOLVED, RETURN PROVIDED, NO REFUND
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-12833 / EJONicholas Fitzgerald, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 6 of 4 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
1529/2/2026 10:00 am26-12858 / EJOJennifer N. Weil, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
As of 7/17/26 (DS): 1. Amended Sched B now adds to additional bank accts not previously listed. Must provide 2 months bank statements from Santander acct#114 and acct#011 prior to filing.
- Amended Form 122C (Doc #23) requires $157,627.20 Min Div to GUCs (dm)
- Debtor's 401(k) loan payment $329 ends in month 20.
- Disposable income verifies $2,690.
- Must resolve obj. by Owens.
- Add to confirming order Trustee standard order of distribution.

AR will look at transaction regarding fraudulent transfer - Doc #13, Doc #16, Doc #17 & Doc #26

5/15/26 (DS): 1. Trustee obj to the following:
- Debtor's 401(k) loan payment $329 ends in month 20.
- Excessive expenses on Sched J: Water/sewer $300-verifies $88, Cable/internet/tele $588-verifies $393 (Cell phone bill $278 does not show what it is paying, just provides total due payment part.).
- Disposable income verifies $2,690.
- 22C has disposable income $4,212, which requires min. div. $252,720 to gucs.
- Must resolve obj. by Owens.
- Add to confirming order Trustee standard order of distribution.

2. Owens Estate (SHAPIRO CROLAND REISLER ET ALS) obj debt not dischargeable, claim filed as unsecured. Must resolve obj.

Prop Plan $2,094.12 x 60 begin 4/1/26; Base
Note: 2025 Tax return provided. Cert from Debtor with regards to property transfer ok. Car payment $699.17 and Food $938 ok.
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-13255 / EJOJeffrey E. Jenkins, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 3 of 4 required payments   Arrears: $940.00
MP JUST FILED AND SCHEDULED FOR 9/2/26

7/19/26 - amended I&J, SOFA, Sch D, and Sch E/F filed.
As of 7/17/26 (DS): 1. Debtor in arrears $1,996, made 2 out of 4 payments.

2A. Trustee Supp OBJ ((dm):
- Need documentation (Will) showing that the real estate (Conway Ave) from the Estate of Clarence Reid was properly transferred to Diane Payton, Alicia Payton-Johnson, and Kyeria Johnson. (UNRESOLVED) DEED PROVIDED IS NOT RECORDED

- Plan proposes to pay Santander a total claim of $7,474 that includes 9% interest on a 2011 Hyundai. Bifurcated claim filed by the creditor with a 18.48% interest rate, $4,475 secured and $3,679.79 unsecured for a total claim of $8,154.70. If true intention is to cram the interest rate, then need a MP with the correct sections populated and served properly. Alternatively, need a consent order with the creditor. (UNRESOLVED)


2B. Trustee obj to the following:
- Must provide mortgage statement with monthly payment. (Copy of PNC Statement provided - need to review)
- Need a mod plan that completes Part 8a, adds PNC Mortgage and propose the non-exempt equity.

- There is non-exempt equity in the residence $15,651.
(Nonexempt equity is $1296.12 based on $200,000 CMA)

- Disposable income verifies $1,117 due to tax refund not listed on Sched I.
- Must serve Santander since cramming the interest.
- Must file amended Creditor Matrix to add PNC Mortgage. (PNC MORTGAGE STATEMENT IS IN THE NAME OF THE ESTATE OF CLARENCE REID BUT STILL HAS NO NOTICE OF THE WITHIN BK - dm)
- Must file Pre-confirmation certification.

Prop Plan $999 x 60 begin 4/1/26; $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-13868 / EJOPeter E. Zimnis, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 1 of 3 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-14156 / EJOSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 3 required payments   Arrears: $3,448.00
AS OF 7/16/26 (SF) BASED ON CLAIMS FILED. PLAN DOES NOT APPEAR TO BE FEASIBLE.


1. Objection filed by Affinity FCU (McDowell) - failure to provide for judgment lien in the amount of $118,649.46

2. Objection filed by Volvo Car Financial Services (Cameron Deane) - failure to assume or reject lease in the plan

3. Objection filed by the IRS (Nicholas Engel) - failure to file tax returns for the years 2023 thru 2025. failure to provide for secured claim in the amount of $133,775.48 and priority claim is estimated

4. JPMorgan Chase filed arrears claim 7-1 in the amount of $1920.93 which is not addressed in the plan (OK TO PAY?)

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

6. Trustee objection:

- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of
confirmation.

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

- A current market analysis - with comparatives closed within 6 months of filing (STILL NEED)

- A copy of the last filed tax return - for 2025. (STILL NEED)

- Need a statement for the debtor's 401k loan. (STILL NEED)

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$250/month for home maintenance
$3,000/month for childcare/education
$900 & $1,100/month car payments
$1,500/month to parents
$400/month for miscellaneous expenses
$2,500/month for spouse expenses
Need proof of expenses 10 days prior to confirmation.

- There is $11,002 in non exempt equity in the residence.



Plan proposes $3500 x 60 100% PLAN
Payments: 2/3 Arrears: $3447.99

Email InquiryMatter ResolvedRequest
Adjournment
1789/2/2026 10:00 am26-15003 / EJOJames Mahon, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $240.00
As of 7/21/26 (sf) Updated

341 NOT HELD - RESCHEDULED TO 8/6/26
PAYMENTS: 1/2 Arrears: $239.51


As of 7/13/26 (DS):

341 not held 7/9/26, still missing docs, also no Trustee payments made, Debtor in arrears $478.98, made 0 out of 2 payments.
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-15210 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 7/15/26 (SF)


1. MUST REQUEST ADJOURNMENT
2. 341 NOT HELD - RESCHEDULED TO 7/30/26
3. PAYMENTS: 2/2

Email InquiryMatter ResolvedRequest
Adjournment
1839/2/2026 10:00 am26-15279 / EJODavid G. Beslow, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 2 required payments   Arrears: $1,000.00
$500 TFS Pending - ADJ to 9/2

1) No 341 held - missing documents

proposed plan $500x60 sale 6 months 100%
paid in $0
arrears $1,000
Email InquiryMatter ResolvedRequest
Adjournment
1849/2/2026 10:00 am26-15306 / EJORobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 7/20/2026 (at):

NEED TO REQUEST AN ADJOURNMENT OF THIS CONFIRMATION HEARING.

1. 341 is scheduled for 8/13/2026.
2. Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
1869/2/2026 10:00 am26-15320 / EJOAndy Winchell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,200.00
issues as of 7/16/2026 (JMA)

1) Bank of Hope (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- Although Creditor has not filed a Proof of Claim, it is anticipated that the claim will include pre-petition arrearage totaling $86,756.53
2) Trustee objection to Confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Disposable income verifies $696.
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): Documentation from the sale of Debtor's business Basking Ridge Towing sold 12/2025 and the sale of 2015 Hyundai Genesis sold 4/10/26.
- The debtor must provide updated proof of auto insurance for the vehicles. The policy provided expires on 7/28/26.
- The debtor has undertaken an improper use of exemption. Specifically: Sched C takes improper exemption of Leaf Blower/snow blower using d(3) for household goods and remaining balance owed from sale of business taking d(5) as Debtor received $35,000 from the
sale some time from the date of the filing of the case and Debtor also received $4,000 from the sale of 2015 Hyundai on/or about 4/10/26. Plan is 100%.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Transportation $750, Car payment $703 and Food away from home $600 (when Food has $1,800).
- P&L has expenses for phone, also on Sched J, P&L has payroll expenses, but business forms has no employees and a debt payment is also listed. The expenses on the P&L and the income do not verify what is on Schedule I and is a lot less. Plan is 100%
- The Schedules fail to account for the debtor(s) tax refund in the amount of $8,315 when determining disposable income.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is non-exempt equity in the residence $222,081, 2000 Ford $1,5
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-15347 / EJOJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $23.00
AS OF 7/17/26 (SF)

1. Objection filed by Aero HEC Acquisition I, LLC (Sean Litz) - The Court should deny confirmation of the Plan primarily because it impermissibly construes the Option Agreement as an executory contract and, alternatively, fails to account for the treatment of Creditor's claim should the Option Agreement be rejected.

2. Motion to Extend Time 7/22 at 9


Plan proposes $300 x 8; $600 x 4; $1200 x 24 Base
Payments: 1.5/2 Arrears: $161.54



Email InquiryMatter ResolvedRequest
Adjournment
1889/2/2026 10:00 am26-15370 / EJOKirsten B. Ennis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
As of 7/16/26 (DS): 1. Debtor has not made July payment.

2. Trustee obj to the following:
- Need mod plan to correct attorney fees owed. Plan has attorney fees owed $2,750, attorney disclosure has $2,138.
- Amendment to Statement of Financial Affairs to add attorney fees paid. (AMENDED SOFA FILED)
- Must amend Sched A/B and C to add TD Bank checking and savings accts.
- Sched J has excessive expenses: Support payments $1,200 and $600. Debtor's cert provided which does not agree with Sched J. Cert states he pays rent at other property $600 (MUST PROVIDE PROOF OF RENT PAYMENT) and $1,200 for diapers and formula (BABY FORMULA AND DIAPERS IS ELABORATED AND TOTAL ALOWED SHOULD BE $300 MONTHLY, then pays $400 child support for other child, which would be total $2,200, but Sched J has $1,200. Then cert decreases money sent to DR for son for rental assistance from $600 to $400.
- There is disposable income $420, pending proof of expense for rent $600.

Prop Plan $125 x 36 begin 6/1/26; Base
Note: Debtor's Cert overstates the expenses for diapers/formula $1,200. Debtor's Cert also stats he sends $400, not $600 to his son's mother in DR. TD Bank svgs statement provided.
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-15463 / EJOEdward Hanratty, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 7/16/26 (SF)

1. Objection filed by Wells Fargo Bank (Spivack) - failure to pay arrears of $1106.60

2. Motion to Expunge Goodleap claim 3 scheduled for 8/12/26

3. IRS filed estimated priority claim 10-1 (NEED AMENDED CLAIM)

4. State of NJ filed estimated priority and unsecured claim 11-1 (NEED AMENDED CLAIM)

5. Improper Service to Don Vog E. Windsor, LLC, Must serve attorney Ragan & Ragan per proof of claim

6. Improper Service to NJ Division of Taxation. Used incorrect address. Should serve 3 John Fitch Way, 5th Floor, P.O. Box 245, Trenton, NJ 08695-0245


7. Wells Fargo filed arrears claim 5-1 in the amount of $702.52 which is not treated in plan (OK TO PAY?)

8. Wells Fargo filed arrears claim 7-1 in the amount of $1106.60 which is not treated in plan (OK TO PAY?)

9. Trustee objection:

- The debtor has insufficient income.

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

- Need Proof of 2 month's income - June pay stubs for Amazon job.

- Need Amendments to Schedules Sch I for Amazon income

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$216.67/month for goodleap (creditor filed a claim and will be paid through the plan)
Need proof of expenses 10 days prior to confirmation.

- There is $97,818.32 in non exempt equity in the residence. (EQUITY MAY BE MOOT DUE TO HIGHER CLAIMS)

- There is $16,480 in non exempt equity in the car and bank account.

- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.




Plan proposes $1200 x 60 Base
Payments: 2/2


RESOLVED:

Quantum 3, MMU - LISTED AS A CRAM

Email InquiryMatter ResolvedRequest
Adjournment
1939/2/2026 10:00 am26-15485 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $500.00
$500 TFS is pending - ADJ to 9/2

As of 7/13/26 (S): 341 sched 7/30/26, no Trustee payments made, Debtors in arrears $1,000, made 0 out of 2 payments made. Must make Trustee payment then submit confirmation adjournment. Trustee will not adjourn unless Trustee payment is made.
Email InquiryMatter ResolvedRequest
Adjournment
1969/2/2026 10:00 am26-15550 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
1979/2/2026 10:00 am26-15580 / EJOAllen I. Gorski, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
ADJ to past Bar Date - 9/2
AS OF 7/16/26 (SF) - Per atty debtor made two payments on 7/14. Waiting to see if they post. May need to adjourn

Trustee objection:


- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,342 when
determining disposable income.

- The Plan fails to provide for a prompt cure of rental arrears.

- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming
the plan.

Plan proposes $500 x 36 0% Plan
NO Payments: 0/2 Arrears: $1,000

RESOLVED:

- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- The debtor must provide proof of auto insurance for the 2016 Nissan. (RECEIVED)
- Need Proof of 2 month's income - need pay stubs for new part-time job at Betty Salon that started 6/19/26. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
1999/2/2026 10:00 am26-15692 / EJOKirsten B. Ennis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
ADJ past Bar Date - 9/2
AS OF 7/17/2026 (at):

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT 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):
- Verified income leaves monthly disposable income of $1,975.17.
- The attorney's fees in the plan ($2,375) and the disclosure statement do not agree. The disclosure statement states that the fees will not be paid through the plan. One of these must
be amended. (AMENDED DISCLOSURE STATES $2,375 WILL NOT BE PAID THROUGH THE PLAN? Corrected in 2nd amendment - dm)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $123,471 in non exempt equity in the residence. (LANGUAGE ADDED)
- Non exempt proceeds from personal injury case are to be turned over to the trustee. (LANGUAGE ADDED)

Plan proposes: $650 x 60 beginning 6/1/2026, base
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
2009/2/2026 10:00 am26-15693 / EJOEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $16.00
issues as of 7/16/2026 (JMA)

1) 341 not held, not rescheduled - missing documents


proposed plan $118x60 base
paid in $220
arrears $16
last claim 23-1
Email InquiryMatter ResolvedRequest
Adjournment
2019/2/2026 10:00 am26-15723 / EJOGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $2,510.00
TFS payment pending

AS OF 7/15/26 (SF)

1. 341 NOT HELD - MISSING DOCUMENTS
2. NO PAYMENTS: 0/2 ARREARS: $5020
Email InquiryMatter ResolvedRequest
Adjournment
2059/2/2026 10:00 am26-15761 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
updated 7/20/2026 (JMA)
issues as of 7/16/2026 (JMA)

1) 341 rescheduled for 7/30/2026
2) To date no Trustee plan payments received, arrears $986. Need to become current with Trustee plan payments and then request an adjournment of the confirmation hearing to allow 341 to be held.
3) Valdir Bataglia (Straffi & Straffi) objection to confirmation - NEED TO RESOLVE
- The creditor, Valdir Batalia filed a proof of claim in the amount of $116,660.58 representing breach of contract and consumer fraud.
- Prior to the bankruptcy filing, the Objecting Creditor commenced an action against the Debtor and Mid-Atlantic Marine in the Superior Court of New Jersey, Law Division, Monmouth County, under Docket No. MON-L-2682.21.
- On January 6, 2023, judgment was entered in favor of Valdir Bataglia and against the Debtor and Mid-Atlantic Marine in the amount of $108,070.66, together with interest and costs.

proposed plan $493x60 100% plan
paid in $493
arrears $493
last claim 7-1
proposed plan
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-16545 / EJOFrancis P. Cullari, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-16647 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $300.00
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-16748 / EJOMichael I. Assad, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $700.00
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-16893 / EJODavid Jerome Witherspoon, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-16936 / EJOJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17044 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $350.00
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17144 / EJOJoan Sirkis Warren, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17166 / EJOWarren Brumel, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17169 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $400.00
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17211 / EJODaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17218 / EJORobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17299 / EJOJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,384.00
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17323 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17331 / EJOEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17348 / EJOHerbert B. Raymond, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,500.00
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17416 / EJOStacey L. Mullen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,292.00
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17450 / EJOJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17466 / EJOCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $692.00
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17524 / EJOJamal J. Romero, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17563 / EJOLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17573 / EJOJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17574 / EJOJonathan Goldsmith Cohen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17580 / EJORussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17586 / EJOEdward R. Wiercinski, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $852.00
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17605 / EJOHerbert B. Raymond, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17648 / EJOAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17671 / EJOAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17697 / EJOJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17702 / EJORussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17729 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17730 / EJOJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17745 / EJOTamika N. Wyche, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17746 / EJOCarol L. Knowlton, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17751 / EJOLeonard S. Singer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17830 / EJOJoseph J. Mania, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17845 / EJOCarlos D. Martinez, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 700.00 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 10:00 am26-17896 / EJOSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 0 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 2:00 pm25-15049 / EJOEdward Hanratty, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 2:00 pm26-13730 / EJOAndy Winchell, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 2:00 pm26-14376 / EJOMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
09/2/2026 2:00 pm26-15527 / EJOMarc C. Capone, Esq.Motion CompensationNo Opposition Filed
Email InquiryMatter ResolvedRequest
Adjournment
899/2/2026 3:00 pm25-18618 / EJOAndre L. Kydala, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 17 of 11 required payments   Arrears: $0
7/6 amt: 2nd interim sch order to chambers/7 day<>

NEED EVIDENTIARY HEARING
 ADJ to 7/1 - within 7 days let AR know if compromise below is accepted or we need Evidentiary Hearing

ISSUES AS OF 6/5/2026 (DM): updated 6/9/26

***Using Trustee compromise at $475,000 appraisal, TO CONFIRM THE DEBTORS NEED $12,775 PTD, THEN $2,975 x 50 STARTING 7/1/26, BASE PLAN WITH $138,711 MINIMUM DIVIDEND TO GENERAL UNSECURED CREDITORS DUE TO REAL ESTATE EQUITY THRESHOLD, TRUSTEE IS AUTHORIZED TO PAY FOR $650 REAL ESTATE APPRAISAL AS AN ADMINISTRATIVE EXPENSE, PRE-CONFIRMATION CERTIFICATION SHALL BE FILED WITHIN 14 DAYS***

 APPRAISAL in $500,000

 5/15/26 - email from Daniel Fiedler, Real Estate Appraiser, to debtor Atty asking for contact information to access the property (dm)

 AR, REC DISMISSAL FAILURE TO COMPLY WITH SCH ORDER.

 Certification - Doc #26 (dm)

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

***RESOLVED ISSUES***

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

B) Trustee OBJ:
- Need to amend the Bk Petition to correct the debtor's social security number and notify all credit agencies (SEE Doc #15 & Doc #16 filed 2/3/26.)
- Need July & Aug bank statements for acct #7496 and acct #5033 (RECEIVED.)


Prop. Plan $775 x 60, Base Plan
PTD 10/10 = $12,775
Last Claim (19-2)
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes