ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Christine M. Gravelle

Hearing Date: 9/16/2026
Last Updated: 9/11/2026 6:21 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am21-18613 / CMGBrad J. Sadek, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnDebtor obj, will pay<>ARREARS cured

MK:as of 8/31/26 3 mos left and plan balance 1854
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am22-15397 / CMGJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyOrder to be Submitted8/28 AMT: ORDER TO CHAMBERS/7 DAY<>

amt: $38,490 ptd (49); $2,790 x 14 beg 9/1/26, pl ext 63 mo (email to parties)<>

ARREARS DUE TO NOT PAYING CONDUIT ORDER TIER, DEBTOR ADVISING MTG PD DIRECT TO LENDER; LENDER HAS FAILED TO PROVIDE UPDATED MORTGAGE ARREARAGE FOR AMENDED CONDUIT ORDER
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am22-19814 / EJOCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Continued
9/23/2026 9:00 am
Debtor obj, will pay to cure default<>SANTANDER (GROSS)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-10013 / CMGKevin C. Fayette, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> ARREARS 4,392
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-11025 / CMGCharles D. Whelan, III, Esq.Motion SellNeeds Resolution of Issues - Objectionsatty has revised Consent order to submit once all signed

MOTION FOR SALE OFPROPERTY #71


Trendmaker Homes limited obj( Hill Wallack);Wants order to specifically state that their lien will be paid off at sale
Police & Firemans's response (Pluese)<>wants the lain payoff specifically addressed in the order

>>mk NEEDS A REVISED ORDER ADDING SPECIFIC LANGUAGE IN PART P ADDRESS THE 2 CREDITOR LIEN AND PAY OFF OF SAME BY PROCEEDS OF SALE<

MK obj to retention appl of debtor's atty in that the fee he is charging is flat 4,000- ATTY HAS FILED A FEE APP - 9/16/26 SO NOW OK

Plan confirmed at 100% and will be paid off at sale

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-12441 / CMGBruce C. Truesdale, Esq.Motion Approve Compromise or Settlement Under Rule 9019Recommend Grantingmk: net recovery 7,960- exempt

sp counsel retained


MK :objection #47 filed for the fee app at Docket42 and not this motion
fee app was granted
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-14656 / CMGLee M. Perlman, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsPEREMPTORY FOR 11/18 LM should be complete by then

adj request uploaded by creditor from 7/15 to 9/16 to allow LM to complete

Debtor obj<>FREEDOM MTG (BROCK)

Lm under review

plan has expired 36 mos- Completed 36 mo plan- no pre pet. arrears on Mtg claims and confirmed w/ a LM - NOW in closing audit

CASE confirmed w/ lm and MFR pending since FEB

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-16100 / CMGHerbert B. Raymond, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsPEREMPTORY TO 9/16

atty says debtor can cure and seeks adj to 8/26 to do that


AMT; TRUSTEE CONDUIT REQUEST<>

Debtor obj<> US BANK (RAS)

MK Post pet due is 13,646.01 as of June
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-16364 / CMGRobert Cameron Legg, Esq.Motion SellNeeds Resolution of Issues - ObjectionsPROPERTY #81



mk realtors and SP Counsel for closing ( flat fee)retention Appl filed

TR Obj: Sale K is for 360,000 there are 2 mtg liens on the property that have balances of 301,399 and 83,231,90 THE ORDER SAYS LIENS WILL BE PAID IN FULL BUT THEY WILL NOT AT THAT SALES PRICE

atty fees need a fee app for 1200 for debtor's atty for services on this motion
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-16364 / CMGRobert Cameron Legg, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN PP DEBT


mk: says motion to sell will complete plan
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-18485 / CMGKevin C. Fayette, Esq.Motion Relief from Co-Debtor StayOrder Previously SubmittedMK Order submitted 9/11/26:immediate cure arrears by 9/30


Debtor obj, made pymt<>FREEDOM MTG (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-18624 / CMGBrian S. Thomas, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>FAY SERVICING (KNUCKLES)

debtor says working on resolving
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am23-20647 / CMGAllen I. Gorski, Esq.Motion File Claim After Claims Bar DateHold for Judgeadj to 9/16 for Creditor for file a reply by 9/11



creditor to file a response to debtor opp'n- FILED ECF #125

Debtor obj; Creditor brief in support<>MTN ALLOWING LATE POC OF ROBERT ARTIFICIO
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-12317 / CMGMoshe Rothenberg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee Order8/28 amt: $ 22,615.97 ptd (29); $878 x 26 beg 91/2/6; $1,675 x 5 beg 11/1/28 ( atty ok)<>


8/27 AMT: SAME RECAP AS BELOW/PTD INCLUDES 8/24 PYMTS - ANOTHER EMAIL TO ATTY)<>

adj to 9/16 $ posted today 8/26 and redo recap

AMT: PPSD TR ORDER - $ 22,615.97 PTD (29); $878 X 26 BEG 9/1/26; $1,675 X 5 BEG 11/1/28 (EMAIL TO ATTY)<>

Debtor obj<>ARREARS 2,633.03 as of 8/19/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-13206 / CMGRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objectionsamt: MP 9/16<>

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



Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-14829 / CMGJames J. Cerbone, Esq.Motion SellNeeds Resolution of Issues - Objectionsmk Revised order was put on the docket at ECF #122- addresses lender lang and adds it and exemption is ok- email to atty to email revised order to chambers


Unlock Partnership Solutions limited obj (Frenkel Lambert)<>PROPERTY #1209
case arrears 2,016 last pay March

mk: This property had SV in 2/18/26 and was surrendered in full satisfaction in the confirmed plan 6/3/26 then in August files this motion to sell it- There is no non exempt proceeds - both debtors are owners and the exemption at the time they filed was 27,900 a piece,


Then MP confirmed 6/3/26:Residence has been surrendered and income has decreased. Debtors may consider converting the case. OTHERWISE, TO CONFIRM THE DEBTORS NEED $9,562 PTD, THEN $504 x 36 STARTING 6/1/26, BASE PLAN WITH $8,575 MINIMUM THRESHOLD TO GENERAL UNSECURED CREDITORS PRESERVED, SALLIE MAE STUDENT LOAN POC (13-1) SHALL BE TREATED OUTSIDE THE PLAN***


--------------------
TR objection: Conf order says 552(d)(1) exemption shall be limited to $27,900 due to sole ownership by debtor- amended A and C- each debtor to take 27,900 exemption NO NE proceeds- MK 2022 DEED PROVIDED AND AMENDED SCH BOTH DEBTORS ARE OWNERS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-15091 / CMGJeanie D. Wiesner, Esq.Motion Motion (Generic) - Only use if no other event is applicableOrder to be SubmittedMTN SUSPEND TRUSTEE PAYMENTS

TR objection : needs to make $100 payment for the 6 moths and then recap will begin March 1 not April 1 2027
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-15636 / CMGJeanie D. Wiesner, Esq.Motion Relief from Co-Debtor StayContinued
10/7/2026 9:00 am
Debtor obj<>ROCKET MTG (HLADIK)

3rd hearing date- creidotr has requested adj as debtro is listing house for sale


:The Debtor is listing the property for sale and needs time to hire a realtor and prepare listing agreement.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-17222 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj, pending offer with short sale<>FAILED TO SELL BY 6/30/26; ARREARS

mk per atty - realtor working on a short sale needs Motion adj to 9/16
filing a MP
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-17222 / CMGMarc C. Capone, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> HYUNDAI CAPITAL ( eisenberg gold)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-17357 / CMGMichelle Lee, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS 3,240; ATTY FAILED TO FILE SUPP FEE APP FOR FEES PPSD IN MP CONF'D 11/26/25
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-17808 / CMGJeanie D. Wiesner, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj, will make pymt & requests recap<>FREEDOM MTG (Brock & Scott)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-18161 / CMGMelinda D. Middlebrooks, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj<> NISSAN (sTEWART)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-18903 / CMGMarc C. Capone, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledWELLS FARGO BANK (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-19013 / CMGJustin M. Gillman, Esq.Motion Reinstate StayNeeds Resolution of Issues - ObjectionsMP for LM filed 9/10- debtor now in trial LM


AMT: TRUSTEE CONDUIT REQUEST<>

Arvest obj (Greenspoon)<>MTN REINSTATE STAY/ARVEST BANK



atty says: Debtor has received a trial modification in this case with anticipated final modification as soon as October. We are waiting on the final modification terms.
In this case, I see no basis for future conduit
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-19013 / CMGJustin M. Gillman, Esq.Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
10/28/2026 9:00 am
mk Modified Plan filed 9/10/26 for mtg outside- due to LM as well to pay 100% to GUCs and treat Arvest outside Plan per loan modification. Final Trial payment is due in September so should be resolved.

motion to reinstate the stay on for 9/16.

Debtor obj<>SV/ARVEST - ARREARS

debtor motion to reinstate stay on 9/16/26

MK Debtors have been just been offered a Trial LM since the SV and atty will file the motion to reinstate and MP

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-19897 / CMGCarlos D. Martinez, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj,<>ARREARS 6.690 as of 9/1

MP now on 9/16 - ** RECOMMEND DISMISSAL**
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am24-22348 / CMGLee M. Perlman, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objectionsamt: trustee conduit request<>

Debtor obj<>LAKEVIEW LOAN (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-10698 / CMGPRO SEMotion Relief from Stay (Fee)No Opposition FiledAVALON OLD BRIDGE (GRIFFIN ALEXANDER)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-12256 / CMGScott E. Kaplan, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<>NEWREZ (McCalla)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-12687 / CMGDaniel E. Straffi, Esq.Creditor Certification of DefaultOrder Previously Submitted8/13/26(mk) Order submitted resolving Terms arrears of 11,609.71 to be paid at sale of real property to be completed in 90 days ORDER AUTHORIZING SALE ENTERED 9/1/26

>>No conduit now


mk home listed on MLS and application to retain realtor filed 8/4/26


adjourned to 8/5 : creditor wants more payments to post


AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> FREEDOM MTG ( Brock & Scott)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-12687 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsMK ORDER ON Motion to Sell real Prop.entered 9/1/26



amt: MP #66 is the latest plan (mk) 8/5

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

Debtor obj<>FAILED TO SELL BY 3/1/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-12707 / CMGJohn Zimnis, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - ObjectionsAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> MIDFIRST BANK (KML)

9/1/26(mk) atty says:debtor has been offered a trial period for a stand-alone loan modification, so as long as he successfully makes the payments, then this arrears will be resolved from that.

creditor( M. Fissel) to verify this with his client.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-12735 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: MP 9/16 **



debtor obj<>FAILED TO REFI BY 4/1/26

MP filed to cure on 7/15/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-12735 / CMGDaniel E. Straffi, Esq.Creditor Certification of DefaultWithdrawnDebtor obj<> NEWREZ ( Hill Wallack)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-13554 / CMGRobert Cameron Legg, Esq.Motion SellNeeds Resolution of Issues - ObjectionsPingora Loan limited response (mcCalla); First Atlantic FCU obj (Saldutti)<>PROPERTY #536


MK Plan confirmed 7/2 at 100% w. min 50,837 due to equity( guc claims total 46,278

Atty wants total fees for work in the case and motion to be paid at sale 2,100 Notice of sale has atty fee 1,200- is that for the closing? then extra fees 2100 this atty took over the case form another atty

sale K 347,500
realtors appointed

PPSD Order has pay balance dues on plan which will be 100%
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-13866 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnMP #42 on 9/16 - ***HONOR ROLL**<>


ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-14119 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Withdrawnparties working on resolving

Debtor obj<>PNC BANK (MARTONE)

DEBTOR ASSERTS PAYMTS TO OTJERPNC ACCT
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-14362 / CMGPRO SEMotion Dismiss CaseWithdrawnall paid all done


9/8 AMT: MTG CLM PD AT SALE - THIS SHOULD BE W/D -MOOT/CASE PENDING CLOSING <>

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

TR rec'd sale proceeds- WAS CREDITOR PAID OFF?

8/25/26(mk) heard from closing atty and property closed waiting for funds to post

mk email to debtor- 7/30/26

house should have sold on 7/15

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

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

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

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


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


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

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

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

There is non exempt equity in the real property of $$230,162 and the plan is 100% - has creditor to be paid from sale and 100% GUC claim total $19,464.41
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-15067 / CMGHerbert B. Raymond, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objections9/8(mk) Ar replied to creditor on 9/4 that he is ok w/ creditor order


AR NOTE REC THAT DEBTOR BE CURRENT AS OF 9-16 INCLUDING SEPT PYMT , LENDER AGREES , DEBTOR ATTY UNABLE TO COMMIT
Interim order submitted 7/27 and makes a next hearing date of 8/26
9/3: Tr arrears 6496
debtor says will be current by this friday 8/24


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

AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> US BANK (Friedman Vartolo)

debtor does not want conduit: Debtor is current through July, August's payment plus august stip payment will be paid on the 28th, bringing the account entirely current post-petition. Therefore no conduit is necessary. The mortgagee may be agreeable to resolve or adjourn based on same, but from my understanding the adjournment las time was peremptory. So if we appear in court, I will reiterate that debtor will be entirely current in 2 days
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-15067 / CMGHerbert B. Raymond, Esq.Trustee Certification of DefaultNeeds Resolution of Issues - ObjectionsDebtor obj, will make pymts<> ARREARS 4,872
last payment posted 9/8
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-15139 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyTrustee OrderAMT: $ 13,796 PTD (15); $ 1,425 X 3 BEG 9/1/26; $ 3,000 X 42 BEG 12/1/26 ( ATTY ok)<>

8/24/26 debtor made payments - need to post

Debtor obj, made pymt<>ARREARS 5,227 last pay 4/3/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-15260 / CMGMarc C. Capone, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - Objections8/25: atty says debtor is current post pet Maria Cozzini is verifying this and that Aug. payment has posted-should be w/d

amt; trustee conduit request<>

Debtor obj<>LAKEVIEW LOAN (STERN LAVINTHAL)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-15260 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: Mp 9/16<>

Debtor obj<>ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-15844 / CMGJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objectionsmk:Creditor (Silver Hill Cap- R. Lebron)Cert.of default filed 8/31/26- due for July and August total 5,346 obj deadline 9/14


adj. 9/16 and 3,000 has to post and recap and any further default adjD w/ 2 yr bar

8/25: 3rd hearing date. per atty says has copy of ck for 3,000 and debtor will pay more next week wants to recap

8/18/26(MK) arrears 12,435 recap NOT FEASIBLE

payment made in July but now in August and arrears back up to 12,435

7/13/26 mk debtor has payments in transit and they need to post to see where we are and if a recap is possible


Debtor obj<>ARREARS 12,435

Last payment was May 7 2026

mk: debtor says made recent payment and wants a recap but payments would go up to 2,665 x 49- not s feasible given the ack of income

5/21/26(mk): per atty debtor has new higher paying job atty to submitted amended I & J and update pay
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-16474 / CMGRobert Cameron Legg, Esq.Creditor Certification of DefaultWithdrawnDebtor obj<> ATLANTIC FCU ( Saldutti)
car lease
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-16735 / CMGCandyce I. Smith-Sklar, Esq.Motion Motion (Generic) - Only use if no other event is applicableOrder Previously SubmittedMk : order submitted 8/27


adj to 9/16 to see if atty can work out issues w/ title co.

8/25/26:mk needs revised order - sent atty an email

MTN DISBURSE EXEMPT FROM SALE

>atty says not a request to close early will be filing a MP to continue to pay

mk: Case is below median We are only in Month 14. There we no non exempt proceeds form sale according to Tr audit as claimed exemption on sch C was 31,575. AMENDED C FILED FOR 18,091.42 It appears debtor is proposing turning over exempt proceeds to tr of 18,091.42 the $10,100 to Tr to pay Lafayette and be done with the case. CASE CANNOT BE CLOSED IN LESS THAN 36 MOS. WHEN THERE IS NOT A 100% PAYOFF.
THIS MOTION ATTEMPTS TO CLOSED THE CASE EARLY


WE HAVE THE HUD AND THE PROPERTY CLOSED- according to this motion

MK:
property sold and this motion provides debtor gets their exemption of 18,091- THE EXEMPTION CLAIMED WAS 31,575 PER THE AMENDED C

THE SALE ORDER AT #60 Funds to Lafayette of 10.560 - THESE ARE SUPPOSED TO COME TO TR TO PAY THEM. ORDER SAYS TO BE PAID PER ALLOWED POC OF 10,560- POC actually for 10,100


although the motion says net proceeds of sale of 28,651.42 to Trustee THE ORDER DOES NOT and then legal fee of 950- HUD HAS 1,800 to atty to debtor and then debtor gets balance atty per fee application

Case is below median We are only in Month 14

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-16874 / CMGJoseph Casello, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledSELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-17277 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsMP on 9/16 **NEEDS RESOLUTION**<>

MP on 4/1>was plan denied


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

debtor in trial LM- filing a MP

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




Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-17373 / CMGEdward Nathan Vaisman, Esq.Motion Relief from Stay (Fee)No Opposition FiledTRUIST BANK (McCABE)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-17419 / CMGJohn Zimnis, Esq.Motion Relief from Co-Debtor StayContinued
10/7/2026 9:00 am
Debtor obj, made pymts<>ROCKET MTG (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-18540 / CMGAndrew Thomas Archer, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledSV/US BANK; AREARS $813 last pay June
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-18911 / CMGEric J. Clayman, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)Needs Resolution of Issues - ObjectionsMOTION TO VACATE DISMISSAL FILED BY DEBTOR

>>atty has filed a motion to w/d from the case and that is on 10/7/26

MK dismissed after conf on TR motion on 7/15 Arrears 7,603
as of sept arrears will be 10,361 How is this even feasible?? Haven't made anywhere near the full payment when 1 is made. Bad pay history.

Plan confirmed at 100% die to equity in real property of 155,962
guc debt is only1,073.48
Mtg arrears 65,812.83
46 mos. remain as of July so by Sept 44 mos

co-debtor had hardships nwo back on track - has new job and chance for 2nd job as prior employer
debtor seem to still be employed
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-19001 / CMGAndrew Thomas Archer, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>INDIAN HEAD NORTH ASSOC (McGOVERN)

debtor proposes: payments of $1500 on 9/25/2026 and $1000 on 9/30/2026; and the
remaining arrears added to my Chapter 13 Plan to be paid in the bankruptcy. I am
able to resume regular maintenance fee payments on 10/1/2026.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-19112 / CMGThomas G. Egner, Esq.Motion Relief from Stay (Fee)Order to be SubmittedAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj, requests recap<>M&T BANK (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-19226 / CMGPeter E. Zimnis, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnmk 9/11/26; per atty sale closed - atty sending HUD and proceeds to pay off case


adj to 9/16 to see if close- mk sent email to atty to see if closed 9/10

Debtor obj, Bank of NJ response (Padgett)<>FAILED TO SELL BITTERSWEET RD PPTY BY 6/3/26

MK: SALE MOTION ON 8/5/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-19240 / CMGDavid G. Beslow, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj, made pymt to cure default<>SELENE FINC (RAS)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-19590 / CMGDaniel E. Straffi, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objections9/16 and if no refi that creditor approves then this will be Granted


Debtor obj, pending LM<> PENNYMAC (Fein Such)

debtor denied for a Lm and due for 5 payments for 9,101
creditor opposes confirmation and seeks stay relief

debtor says has a refi ready and wants a short adj to see if can work
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-19590 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsMP on 9/16 extends LM to 12/1/26>>REC DISMISS


Debtor obj, filing MP<>FAILED TO LM BY 6/22/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-20916 / CMGRussell L. Low, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsAtty response<>US BANK NAT'L ASSOC (STERN & EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-21074 / CMGRussell L. Low, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - Objectionsatty response<>PLAN DENIED ON 7/15/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-21298 / CMGScott D. Sherman, Esq.Motion Prospective ReliefContinued
10/7/2026 9:00 am
Debtor obj, will list for sale if not house is not feasible>>M&T BANK (McCALLA)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-21809 / CMGMichael L. Detzky, Esq.Motion Relief from Stay (Fee)Order to be SubmittedOTBS 6- month cure of arrears through August starting September 2026, 30-day default clause, insurance clause, counsel fees and costs of $449 through the plan


Debtor obj<>EXETER FINC (EISENBERG)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-21924 / CMGCandyce I. Smith-Sklar, Esq.Motion Relief from Stay (Fee)Continued
10/7/2026 9:00 am
Debtor obj, will make pymt<>BANK OF AMERICA (DANA MARKS)

debtor says default is cured - creditor needs to check that- adj to 10/7
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-22266 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj, making pymts<>ARREARS 8,925
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-22303 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsDebtor obj, in trial lm<>FAILED TO LM BY 5/19/26; ARREARS 15,360
Trial Lm begins in August
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-22662 / EJOMatthew Gross, Esq.Motion Motion (Generic) - Only use if no other event is applicableContinued
9/23/2026 9:00 am
Trustee obj<>MTN OBJ TO POC #9/FOUNDATION FINANCE
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-22866 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: MP 9/16 ** RECOMMEND DISMISSAL**<>

Debtor obj<>PLAN WAS DENIED 5/13/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-22905 / CMGRobert Cameron Legg, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsALLY CAPITAL (STEWART) 2018 Nissan

debtor filed oppn
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-23037 / CMGJames J. Cerbone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledARREARS 8,978

mk: debtor never began making the conduit payments that began in July
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-23139 / CMGKarina Pia Lucid, Esq.Motion Relief from Stay (Fee)No Opposition FiledNEWREZ (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-23285 / CMGDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
10/7/2026 9:00 am
MP#40 filed 9/9/26


Debtor obj<>100% PLAN NOT FEASIBLE DUE TO ALLY CAPITAL AMENDED DEFICIENCY POC #1-2
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-23741 / CMGEric J. Clayman, Esq.Motion Withdraw As AttorneyWithdrawn
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am25-23741 / CMGEric J. Clayman, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>THE BANK OF NEW YORK MELLON (PADGETT LAW)

Parties are working on resolving - should be OTBS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-10525 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyWithdrawnAMT: MP 9/16<>

Debtor obj<>PLAN WAS WITHDRAWN ON 7/15/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-11096 / CMGSteven J. Abelson, Esq.Creditor Certification of DefaultNeeds Resolution of Issues - Objections9/1/26(mk) atty advises that debtor is going to MP to sell home
AS OF 9-11 NO MP FILED


AMT; TRUSTEE CONDUIT REQUEST<>

Debtor obj<>US BANK ( RAS)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-11202 / CMGPaul N. Mirabelli, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>LAKEVIEW LOAN (RAS)

debtor PPSD to cure arrears over 6 mos
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-11286 / CMGEugene D. Roth, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>BRIDGECREST CREDIT (STEWART)

mk debtor says arrears are cure thru sept and can begin regular payments in OCT
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-11371 / CMGAndre L. Kydala, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledPLAN DENIED ON 8/5/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-11474 / CMGCandyce I. Smith-Sklar, Esq.Creditor Certification of DefaultOrder to be SubmittedAppl. to extend Loss Mit filed 9/4/26 and requests 12/22/26 as new deadline.


mk: creditor says checking on recent payments but is Ok marking OTBS


9/1/26:MK case was confirmed in 6/2026 at a Base and paying arrears to mtg co and NO LM LANGUAGE

Debtor atty says: This is a loan modification case that we are handling through DMM portal. Additionally, we sent proofs to opposing counsel that debtor is current through September


AMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj, current<>MTGLQ INVESTORS ( Padgett)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-12639 / CMGNicholas Fitzgerald, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
10/28/2026 9:00 am
MP #69 filed on 9/8/26 an on 10/28 and see doc #70 for explanation of the MP #69


Debtor obj<> PLAN DENIED ON 8/5/26 AND FAILED TO FILE MP IN 14 DAYS

mk home sold and 51,,935 proceeds has been mailed to TR - WE STILL NEED A PLAN TO BE FILED . AS OF 9/8 NO ACTIVE PLAN IN THE CASE
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-12701 / CMGEdward Nathan Vaisman, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>ALLIANT CREDIT UNION (KML)(2nd Mtg - HELOC) on #373

working it out
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-12815 / CMGJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
11/18/2026 9:00 am
AMT: MP 9/16<>

PLAN WAS WITHDRAWN ON7/15/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13125 / CMGRobert C. Nisenson, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnMTN EXPUNGE CLM OF FREEDOM MTG

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13129 / CMGGeorge E. Veitengruber, III, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledAMT: MP 9/16<>


PLAN DENIED ON 7/15/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13232 / CMGDavid G. Beslow, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>LOANDEPOT.COM (FRENKEL)

opp'n #35


Order approving sale of property entered 8/31/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13245 / CMGMitchell Lee Chambers, Jr., Esq.Motion Relief from Stay (Fee)No Opposition FiledCREDIT ACCEPTANCE (EISENBERG)

Mk this is being surrendered in plan in full satisfaction
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13245 / CMGMitchell Lee Chambers, Jr., Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNo Opposition FiledMTN EXPUNGE REAL-TIME SOLUTIONS

mk motion is really to pay the full claim of real time w/o interest just the secured claim
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13383 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledPLAN DENIED ON 6/24/26 AND FAILED TO FILE MP
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13479 / CMGKevin C. Fayette, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>PENNYMAC LOAN (POWERS)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13495 / CMGFilipe Pedroso, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledAMT: MP 9/16<>


PLAN DENIED ON 7/15/26 AND FAILED TO FILE MP IN 14 DAYS

there is SV on the real property- MOTION FOR RECONSIDERATION OF SV ON 9/16 - NEEDS TO BE PUT IN MATTERS CALENDAER FOR 9/16
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13495 / CMGFilipe Pedroso, Esq.Motion to ResonsiderNo Opposition FiledDEBTOR MTN TO RECONSIDER Order for SV
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13609 / CMGPeter E. Zimnis, Esq.Motion Motion (Generic) - Only use if no other event is applicableNo Opposition FiledMTN ALLOW LATE CLM
WSFS Cust For CCI FirsTrust later filed the Proof of Claim on June 26, 2026.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-13852 / CMGDonald C. Goins, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>UMB BANK NAT'L ASSOC (ROMANO)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-14001 / CMGDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, requests recap<>CITIZENS BANK (McCABE)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-14077 / CMGYakov Rudikh, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToNeeds Resolution of Issues - Objectionsmk on 9/10 cert of service was filed and said mailed motion to creditor/ attn managing agent/ person authorized to accept service and atty Keri Ebeck -SO THIS MOTI NEEDS TO BE ADJ FOR CREDITRO RESPONSE


MTN EXPUNGE CLM 9-1 REAL TIME RESOLUTIONS

>MOTION TO EXPUNGE REAL TIME CLAIM ON 9/16- NEEDS TO BE RESOLVED- NOT GOOD SERVICE ON CREDITOR - served at POC address but did not address it to Managing agent of officer authorized to accept service
DEBTOR SAYS WAS DISCHARGED IN A ch 7- SAYS SINCE DEBTRO MADE NO PAYMENTS AND 10 YEAR STATUTE OF LIMITAIONS FOR FORECLOSURES AND??...
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-14160 / CMGAllen I. Gorski, Esq.Motion Extend TimeNeeds Resolution of Issues - ObjectionsCONFIRMATION 9/16/26

:Interim Order extend stay 7/15 to 8/26 to 9/16 coincide with confirmation. Please mark calendar adjourned to 8/26. DuPont's office to submit interim order.




Credit Union of NJ obj (McKenna)<>MTN EXT STAY

MK plan and all sch filed 341 dox provided

conf on 6/24- NO 341 hearing at prior 341 it could not be completed dur to debtor's technical issues 341 has not been rescheduled as of 6/15/26

341 ON FOR 7/30/26

CONFIRMATION 8/26/26>>ISSUES
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-14664 / CMGDaniel E. Straffi, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>RUSHMORE SERVICING (HILL WALLACK)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-14977 / CMGJuan C. Velasco, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyContinued
10/7/2026 9:00 am
AMT: MP 10/7

Debtor obj, mp filed<>PLAN DENIED ON 7/15/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-14977 / CMGJuan C. Velasco, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object ToWithdrawnMTN OBJECTING TO CLM#8 OF SBA

TR OBJ:9/1/26- still no proof of proper service on creditor SBA-filed now and resolved w/ SBA as SBA filed an APOC on 8/13/26 for all unsecured

MK:8/7 - no cert of service - ct filed on docket a quality control message Review again in a week to see if it was filed- reminder set
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-15283 / CMGMoshe Rothenberg, Esq.Hearing Scheduled (Document)Needs Resolution of Issues - Objectionsas of 9/10 (mk) atty has not submitted his time /fees for the case as requested by TR


Trustee obj; atty response <> ATTY REQUEST FOR FEES


TR asked debtor atty to: Submit a certification of time expended with time records and benefit to the debtor or the estate and I will review

atty reply is ECF #23- it is a Letter not a certification and does not answer Tr question
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-15365 / CMGKirsten B. Ennis, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections>>OST>>

TO REOPEN CASE AND VACATE DISMISSAL

TR Obj: case dismissed 7/15/26. debtor never provided all the 341 dox for a hearing to be conducted- WE STILL DO NOT HAVE HOME INSURANCE
no proof of soc sec # and auto insurance has expired

case closed 8/17

sheriff's sale on for 10 /7

cert is from atty not debtor and atty says has the payments to bring debtor current

PPSD ORDER IS COMPLETELY INADEQUATE
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-15442 / CMGMatthew Gross, Esq.Motion Relief from Co-Debtor StayNo Opposition FiledUS BANK TRUST (PADGETT)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-15494 / CMGMarc C. Capone, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledPLAN DENIED ON 8/5/26 AND FAILED TO FILE MP IN 14 DAYS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-16692 / CMGErik Frins, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj<>RUSSO HT URBAN RENEWAL (EHRLICH, PETRIELLO)

confirmation on 9.16 REC DISMISS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-17113 / CMGJeanie D. Wiesner, Esq.Motion Relief from Stay (Fee)Needs Resolution of Issues - ObjectionsDebtor obj, will pay<>BRIDGECREST CREDIT (STEWART)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-17536 / CMGAndre L. Kydala, Esq.Motion Relief from Stay (Fee)Moot - DismissedUS BANK TRUST NAT'L ASSOC (KNUCKLES)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-17660 / CMGYakov Rudikh, Esq.Motion Relief from Co-Debtor StayNeeds Resolution of Issues - ObjectionsDebtor obj<>SELENE FINC (HILL WALLACK)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-18646 / CMGRobert Cameron Legg, Esq.Motion Extend TimeNeeds Resolution of Issues - Objectionsinterim order to 9/16

Fay Servicing response (Friedman Vartolo)<>MTN EXT STAY

341 held 8/27/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-18761 / CMGAndrew M. Carroll, Esq.Motion Impose Automatic StayNeeds Resolution of Issues - Objectionsinterim sch order for 9/16 and 341 must be ready for 9/24( still need updated auto insurance- what was provided expired and2024 & 2025 tax returns


MOTION TO IMPOSE THE AUTOMATIC STAY


Plan filed- crams a car and base dividend
schedules filed
no 341 dox-
first payment due Sept.

should be a motion to extend the stay. There was 1 case in last year

MTN IMPOSE STAY
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-19396 / CMGThomas G. Egner, Esq.Motion Extend TimeNeeds Resolution of Issues - ObjectionsUS Bank obj (Plese Becker); debtor response; Tr obj<> MTN TO EXTEND STAY


3rd in last 2yrs- has not overcome presumption of bad failth
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-19410 / CMGYakov Rudikh, Esq.Motion Impose Automatic StayNo Opposition FiledMTN EXT STAY ALL CREDS

mk:2nd filing last case dismissed after conf. arrears over14,000

Last case was 100% due to equity in Real property. This case proposes a Base 3000 x60

This case also has to be 100%
guc claims in last case total 60,470.88
equity in this one way over 180,000
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-19639 / CMGMitchell Lee Chambers, Jr., Esq.Motion Extend TimeNeeds Resolution of Issues - ObjectionsCreditor, Blackrock Home Builders obj (Kriegel)<>MTN TO EXTEND STAY



-change of s circumstances is lost job in prior case now has new job
100 %plan
341 dox in except home and auto insurance
need recording info on deed
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-19695 / CMGLee M. Perlman, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections>>OST>>


MTN TO EXTEND STAY

plan and sch filed
341 docs in
first payment due Sept
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-19814 / CMGRobert Cameron Legg, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections>>OST<<

MTN TO EXTEND STAY

plan and sch .filed
341 ready for 9/24/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 9:00 am26-19961 / CMGJustin M. Gillman, Esq.Order Shorten TimeNeeds Resolution of Issues - Objections>>OST>>

MOTION TO IMPOSE THE STAY

case filed 9/1 and plan filed and no 341 docs
1st payment due sept but missing schedules and OSC on 9/28 filed
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am23-10192 / CMGPaul H. Young, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 41 of 44 required payments   Arrears: $0
As of 9/1/26(mk)


**CAN REC CONFIRM AT 27,709.50 PTD No more payments due**

Plan has run 44 mos
debtor now negative income and below median
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am24-13206 / CMGRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 30 required payments   Arrears: $20,625.00
AS of 9/11/26(mk) UPDATED


>> MK atty says Wilmington resolution involves adding arrears into plan so previous work up is no good- waitng for order. case in month 30 now and plan will need to be extended
case is a lm but it was lost and lender finally found it but given a year ago and lender rejected the payment over the following 12 mos so now those payments need to be accounted for and will be through the plan

huge arrears - plan is 100% but bad pay history

no reason to reduce payment now that Wilmiington arrears is going to extend the plan for a while

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

1. OTBS from 8/5 on MFR by Wilimington Sav- Lm mod complete -treat outside- WHERE IS THE ORDER ON THIS? mk coming and it will be adding arrears

MP #109 Prop $1,356 x 6 begin 6/1/26; 100%
- Adds post-petition arrears owed to Flagship and additional attorney fees.

-Tr arrears and dispos income need amended i & J and updated POI
----------------------------------------
The Cert of default by Flagship credit (B. Craig- OTBS from 8/5 arrears thru July cured in Plan, ORDER SUBMITTED 9/3- pay PP 7,017.66-
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am24-19897 / CMGCarlos D. Martinez, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 15 of 23 required payments   Arrears: $5,290.00
AS OF 9/3/26 (mk)

3rd hearing date . same issues

1. The plan proposes to pay Valon Mortgage $12,000. There is no claim filed (NEED EXPLANATION) (The Trustee will not pay a per plan claim without a timely filed claim or order)

2. Trustee motion to dismiss 9/16 at 9


MP proposes $1400 x 42 remaining months; Base w/min div of $41,717.88 to gucs
Plan has run 23 months with 37d removes Dovenmuehle Mtg as unaffected
Arrears: $6960
in 9/25 payment was to increase form 870 to 1440 and debtro kept paying the 870 until June 2026 so that is what the arrears kept rising

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am24-21559 / CMGRobert C. Nisenson, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - SUBJECT TO TERMSDebtor has made 57 of 22 required payments   Arrears: $3,102.00
9/11/26 :Mk atty writes that the entire Mtg was paid outside and the mtg discharged and yet the claim is still there and the MP calls for payment by the TR- told them they need to get the claim w/d

As of 9/9/26( mk)

1. The plan funding proposed will not pay off the plan Total plan funding left to cover is 107,579. No amended sch i or J was filed and not updated income and excess dispo. income last time it was calculated was 5,000 per month so plan should be confirmed at 3428 x 32

**NEEDS TO CONFIRM AT 162,491 PTD THEN $3428 x 32 Begin 10/1/26 100% Preserve equity T/h of 340,115 in real property**


MP proposes:3428 x 6 then 2,825 x 13 the 400 x 1 100%
Secured creditor was paid outside of Bankruptcy.


prior conf:$123,128 PTD (7 MOS) $2831 X 53 BEG 7/1/25 ; 100% PRESERVE EQUITY T/H OF $340,115 IN REAL AND PERSONAL PROPERTY ; ATTY FEE $2250/$4000
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-11199 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 14 of 19 required payments   Arrears: $0
AS OF 9/4/2026 (JMA)

OK TO CONFIRM AT $13,504 PAID TO DATE, $1,178X41 BASE PLAN
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-12687 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 15 of 18 required payments   Arrears: $1,500.00
ORDER AUTHORIZING SALE WAS ENTERED 9/1/26- sale proceeds will pay off case at 100%

AS OF 9/9/26 (SF)

1. Debtor has not made a payment since June. The modified plan proposes payments of $1600 to begin 8/1/26 so arrears are $3700

2. Modified plan proposes to increase payment to $1600 per month. Need amended I and J and updated proof of income. Also need copy of 2025 Tax Return.

3. Trustee motion to dismiss scheduled for 9/16/26 at 9


MP proposes $7500 PTD, $1600 X 45 100% Plan; Sale by 9/30/26
Plan has run 18 months with 42 months remaining
Now a Sale plan

Realtor appl to retain filed 8/4/26

RESOLVED:
- Creditor Cert of Default scheduled for 8/5/26 at 9 (ORDER SUBMITTED) NEED ORDER
- Realtor appl to retain filed 8/4/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-12735 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanRecommend Modified Plan be DeniedDebtor has made 18 of 18 required payments   Arrears: $0
AS OF 9/10/26 (SF)

PLAN IS NOT FEASIBLE. DISPOSABLE INCOME IS $1181.77 AND NEED $3620 GOING FORWARD. RECOMMEND DISMISSAL ON TRUSTEE'S MOTION.

No updated I and J; updated paystubs or tax returns provided.


Trustee motion to dismiss scheduled for 9/16/26 at 9


MP proposes $14,730 PTD; $1500 X 3; 3300 X 41 100% Plan; Refinance by 9/30/26
Plan has run 18 months with 42 months remaining
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-13866 / CMGMarc C. Capone, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 12 of 17 required payments   Arrears: $10,434.00
AS OF 9/8/2026 (at):

RECOMMEND: $35,220 PAID TO DATE, $1,500 x 10 BEGINNING 10/1/2026, $2,850 x 33 BEGINNING 8/1/2027, 100% PLAN
- Student loans will be paid outside of the plan.
- Preserve non exempt equity of $143,233.

MP proposes: $2,215 x 15, $1,500 x 12, $2,850 x 33, 100 plan
Arrears: $10,434
(to lower payment to cover claims filed and account for increased expenses)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-15260 / CMGMarc C. Capone, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 10 of 16 required payments   Arrears: $4,463.00
As of 9/11/26 (DS): Debtor not current. Arrears $4,463.

2. Income from Debtor provided, but no income from spouse and no updated contract for higher from spouse who is employed by school. Income insufficient, disposable income verifies -$544.

3. MFR still not resolved sched, sched 9/16/26. Need outcome.

be current by 9/16

8/26/26 (DS): 1. Debtor proposed to pay 10 months $250, made 2 payments out of 6, arrears $1,250, per mod plan. Real arrears $4,463 per case.

2. No updated proof of income provided for spouse and no updated contract for hire from school for the spouse.

3. MFR still not resolved and resched to 8/26.

As of 7/13/26 (DS): 1. Per mod plan payments Debtor is in arrears $1,250. Debtor has not made a Trustee payment since 3/9/26. PER POI INCOME IS INSUFFICIENT VERIFIES $-811.

2. MFR filed by Lakeview Loan Debtor in arrears for post-petition payments $5,700 from April-June. Sched 8/5 need outcome.

3. Must provide 2 months updated proof of income for May and June 2026 from non-filing spouse, only provided expired contract with school. Need proof of income. Spouse should have received an updated contract in April/May. DEBTOR INCOME AND TAX REFUND VERIFIES INCOME IS INSUFFICIENT AT $-811 WITHOUT SPOUSE INCOME. SPOUSE POI PROVIDED LATE 7/14/26 5:15 PM

MP Prop $680 x 2 begin 6/1/25; $709 x 7 begin 8/1/25; $250 x 10 begin 3/1/26; $820 x 41; Dollar Base $33,200
- Loss of income, change in circumstance.
Note: 2025 Tax return and Debtor income provided.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-17277 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 15 of 14 required payments   Arrears: $356.00
AS OF 9/3/26(mk):


8/25/26 MK :Debtor emails says sent copy of fully signed permanent Loan Mod, including proof of overnight mailing. First payment due September. D also sent copy of MoneyGram receipt confirming $244 paid to TT this afternoon.

work up on plan #47:

>>> Plan has LM BY 8/1/26. apparently debtor in a Trial LM do does creditor agree to make 12/30/26 the new deadline for LM??or Case is 14 mos old. was originally a LM when first filed then a cure and Now a LM plan again. 2 prior plans both denied. The cram has been an issue from the beginning and still not resolved

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


Plan: $4880 PTD; $600 X 50; LM 8/2026 (17 DEER RUN DR); BASE
only owes the second 1/2 of the SEPT payment

-----------------------RESOLVED----------------------------
CREDITOR CERT OF DEFAULT (Loan Depot- K. Wilson) on for 8/26/26-WITHDRAWN

FYI Order submitted resolving Loan Depot objection to Confirmation TERMS= pay POC #8 arrears of 41,740.27 VIA A LM by 8/1/26 and pay reg mtg payments directly to creditor
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-19243 / CMGWilliam S. Wolfson, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 3 of 5 required payments   Arrears: $2,444.00
As of 9/11/26 (DS): 1. Trustee supplemental obj to the following:
- Mod plan is proposing a sale of stocks by 12/1/26 and a refinance/loan of residence by 11/1/26. Cannot propose both a loan mod and refinance.
- Attorney amended Sched B to add stocks not previously listed with a value of $31,846.23, which is not exempt and no proof provided. Need statement with value.
- Amended Sched B also changed values of vehicles and reduced the non-exempt equity of the 2022
Hyundai from $17,688 to $12,500 (claim has car valued $19,075), 2016 GMC from $4,351 to
$1,500 (which had equity $4,351), but increases 2007 Chevy from $9,707 to $11k need more
evidence of value like Kelly blue book values.
- Sched B has many assets listed as unknown or $0 value. 2005 Skidster, 2010 Kobota Trailer, 2015 Ram Promaster, At Vans storage ladder, old ACs, holiday decorations, etc., Riegel FCU and State of NJ whole life insurance policy. Trustee requires more evidence of value on these assets.

2. PNC Bank (R.A. LEBRON) obj arrears owed $107,293.69 and obj to loan mod. Must resolve obj.

3. BELOW ISSUES NOT RESOLVED.

7/7/26 (MK) Email from debtor atty wants to file a MP and asked for consent to adj. I responded that we do not adj soon to be moot plans and this should be marked Plan Denied and MP in 14 days. MK - Per atty mark Plan denied and MP in 14 days

As of 5/29/26 (DS): Debtor atty requested adj to resolve all issues

As of 5/29/26 (DS): 1. Trustee obj to the following:
- Must provide info on Debtor raise once he receives it in July and value statement from stocks with Agnico Eagles Mines LTD shares of stocks on Sched B listed as unknown.
- There is non-exempt equity in the timeshare $5,307, 2016 GM Acadia $4,351, 2002 Chevy Trailblazer $1,474, 2007 Chevy Silverado $1,131, 2002 Mallard mobile home $7,000, PNC Bank acct $2,517 and Regional FCU $518
- Debtors over exempt d(5).
- Must file Pre-confirmation certification.

2. Citizens Bank (CAMERON DEAN) obj arrears owed, POC filed with arrea
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-19590 / CMGDaniel E. Straffi, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 10 of 12 required payments   Arrears: $655.00
AS of 9/9/26(mk):

1. Debtor has had 12 mos to get a LM CREDIOTR CERT OF DEFAULT ON 9/16 AND NOTE FROM LAST HEARING SAYS if no refi that creditor approves then this will be GRANTED--- NOW THIS MP HASS BEEN FILED TO EXT LM. no loss mit. request was ever uploaded - so is debtor doing this outside?

2. OBJECTION BY PENNNYMAC(R.LeBron):
- LM deadline extended several times obj to plan for further extension



MP proposes:$700 X 60; LM 12/2026 (71 PACIFIC OCEAN DR); BASE
EXT TIME TO OBTAIN LM
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-20483 / CMGSteven J. Abelson, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 7 of 11 required payments   Arrears: $7,794.00
AS of 9/9/26 (mk); SAME AS LAST HEARING in AUGUST


>>ARREARS as of the date of filing the MP were 3,9516.

1. NJ DIV of Tax file a claim #14 for post pet taxes of 875.13-OK TO PAY?

2. Santander on the Lexis and Bridgecrest on the VW in MP as unaffected- Per prior confirmed plan TR is paying the small arrears claim for each creditor.

3. MP reduces payments but no amended I & J or updated proof of income was provided. There is disposable income of 3,112- there is not need to reduce the payment. It should remain the same at $2,569 and the plan can complete early in 26 more month



MP proposes:$11,771 PTD; $1614 X 53; 100% ($17,817.74)
To reflect filed Proofs of Claim and Court Order of 4/22/26 expunging POC.

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

Prior Conf:$6688 PTD (4 MOS) $2569 X 56 BEG 3/1/26 ; 100% PRESERVE EQUITY T/H OF $3679 IN PERSONAL PROPERTY ; ATTY FEE $3430/$4550 ; OK TO PAY NIP CLAIMS 1-1 & 6-1 ; PP.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-22746 / CMGMelinda D. Middlebrooks, Esq.Confirmation Hearing ScheduledContinued
10/28/2026 10:00 am
Debtor has made 7 of 9 required payments   Arrears: $1,840.00
Motion to Approve the settlement to be filed with the date of Oct 13- this will be adj to date after that


AS of 9/11/26 no settlement docs have been filed so i do not know the resolution mk checked the adv pro docket as well and 9/11/26 sent email to debtor's atty


8/4/26(mk) Order entered to file settlement dox w/in 30 days of date of order and case is dismissed w/o further order.


As of 7/28 /26 (mk); email to atty-will be adj

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

case is 6 mos old

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


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

ADV Pro is Rec'r action

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

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

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

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

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


------------------RESOLVED---------------------------------
- There is non-exempt equity $16,095 in the residence, $9,500 in 2019 Honda.
Amended sch A/B and SOFA filed 4/23/26- Lemming Investments 51% interest in LLC
Have home insurance and car updated insurance exp 10/15/26
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-22866 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 8 of 9 required payments   Arrears: $450.00
As of 9/3/26(mk):

>>NOTHING RESOLVED Case is 9 mos old

needs amended I& J and order to include the interest. 1 last adj PEREMPTORY 9/16-

AS of 8/18/26(mk):

work up on plan #23

1. Plan still has Toyota Financial Services in part 4 with interest- NEED ORDER TO INCLUDE INTEREST AND STATE TOTAL TO BE PAID IN THE ORDER

2.MP before confirmation proposes to cram One Main Financial claim NEEDS PROOF OF SERVICE OF PLAN ON CREDITOR. FIled

3 Trustee's objection:
- Has NF spouse returned to work? per atty NO
- unnecessary or excessive expense items :
$800/month for unemployment taxes PROOF THAT DEBTOR IS PAYING THIS 10 days prior to confirmation.

Plan: $450 X 60; BASE
8/9 payments

---------------------------------RESOLVED-------------------------------
- Proof of 2 month's income - January and February for the debtor. (2 checks for Feb which comes out to dispos income of 954 p/m)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-23729 / CMGDavid G. Beslow, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 8 of 9 required payments   Arrears: $1,000.00
AS of 9/3/26(mk):

AR RESOLVE OR HOLD
1. Trustee objection:
- Tax claims much higher

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

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


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

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

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

Plan $1,000 x 60 Base
8/9 payments

--------------------RESOLVED--------------------
- NJ Division of Taxation priority claim ESTIMATED for 2024 and 2025 taxes -APOC Filed
- Need proof of service on the IRS. NOT PROPER SERVICE ON THE IRS. failed to serve United States atty general and US Atty- FILED AN AMNEDED CERT OF SERVICE - heard from IRS not objtion to plan

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

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

pre conf cert filed
- Need December bank statement for Affinity accounts. RESOLVED, RECEIVED
- excessive expense items, PROOFS PROVIDED $1,800/month for support/alimony (need copy of order); Need proof of expenses 10 days prior to confirmation.
- Domestic Support Obligation information Form and order for payment of support. DEBTOR PAYING $207X4.33= $896.31/MONTH CHILD SUPPORT (dox provided)
The Schedules fail to account for the debtor(s) tax refund in the amount of $17,049.00 when determining disposable income. ADDED IN
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am25-23741 / CMGEric J. Clayman, Esq.Order Vacate Dismissal of CaseNeeds Resolution of Issues - ObjectionsDebtor has made 11 of 9 required payments   Arrears: $0
As of 9/11/26 (DS): Need outcome on MFR if arrears will be added to workup.

8/5/26 (DS): 1. MFR filed by mortgage Debtors are in post-pet arrears $6,541.78, sched 8/26/26, need outcome. RESCHED 9/16/26

2. ISSUES NOT RESOLVED:
- Must provide homeowner insurance with personal liability for the Alabama property. HOMEOWNER INSURANCE FOR VACANT LAND HAS $198,000 COVERAGE, BUT NO PERSONAL LIABILITY COVERAGE.
- Mod plan does not add claim filed by Cavalry/SPV/Synchrony/Walmart judgment claim for $1,396.56. Trustee ok to pay?

MP in 14 days

As of 5/29/26 (DS): 1. Debtors made a payment of $5,000 5/28/26. They are in arrears $2,500 and now June payment will be due $2,500. How is Trustee to work up this case with 2 payments in arrears?

2. Plan is not feasible, proposing 100% total gucs filed $172,143.50, Debtors not current with payments. Trustee would require a payment of $5,045 for the remaining 54 months, disposable income verifies $2,045. MOD PLAN FILED PROPOSE BASE, NO LONGER 100%

3. BELOW ISSUES REMAIN UNRESOLVED.

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

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

3. The Bank of NY Mellon (JOSHUA GOLDMAN) obj to arrears owed more, POC filed with arrears $37,865.29, plan has $23,449.
Must resolve obj. MK PER CREDITOR- C/O ENTERED 6/12/26 TO PAY CLAIM ARREARS $37,865.29

4. Cavlalry SPV/Synchrony Bank/Walmart filed secured judgment lien for $1,396.56, needs to be paid or move against claim. NOT MENTIONED IN MOD PLAN, ALTHOUGH PLAN HAS TO CONFIRM TO FILED CLAIMS.

Prop Plan $15,000 PTD; $1,857 x 54 7/1/26; Base
Note: Bank statements provided and there is no equity
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-10525 / CMGJustin M. Gillman, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 8 of 8 required payments   Arrears: $0
AS OF 9/11/26 (SF) UPDATED

OK TO CONFIRM AT $500 X 12 (BEGIN 2/1/26); $1500 X 12 (BEGIN 2/1/27); $1850 X 36 (BEGIN 2/1/28) 100% PLAN W/ MIN DIV OF $75,372 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE
- STRIKE COLUMBIA BANK PER PLAN CLAIM AS NO CLAIM WAS FILED
- CONFIRM WITH TFS AUTO PAY


1. Trustee motion to dismiss 9/16/26 at 9 (WITHDRAWN)

2. NO CLAIM FILED BY COLUMBIA BANK. CLAIM WILL BE STRICKEN FROM PLAN

3. Debtor has insufficient income. Income verifies at $21.19

4. Trustee objection:

- There is $75,372 non-exempt equity in house.

Plan proposes $500 x 12; $1500 X 12; $1850 X 36 100% Plan
Payments: 8/8



RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
PLAN REQUIRES 100%. NOT FEASIBLE. NO UPDATED APPRAISAL PROVIDED

Atty just filed a certification disagreeing with appraisal due to repairs needed on property. (Per MK ok to adj to 7/15. Atty may need new appraisal or Trustee may make application to get new appraisal.)


Plan is not feasible need trustee payment of $1633 going forward and disposable income verifies at $21.19 (per mk ok to work up)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-10818 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledContinued
12/30/2026 10:00 am
Debtor has made 6 of 8 required payments   Arrears: $1,000.00
PEREMPTORY 12/30 for sale of property

AS of 9/9/26(mk)

sale date in plan has passed- will creditor agree to a new date for sale deadline?

4th hearing dated last adj was form July to this date- any update on sale?? MK realtor letter( miscel dox) provided amount all the marketing efforts for the sale of the property



mk: debtor atty email: Property is listed and several showings have not produced a buyer as of yet; Debtor is likely doing a price reduction this week; Please be advised that counsel for mortgage lender has agreed to a 90 day adjournment


>>NEED TO KNOW IF #1 IS RESOLVED AND IF THERE IS A SALE DEADLINE OR ARE WE USING 7.29/26?

1. NewRez/Shellpoint (ALEISHA JENNINGS) obj to sale and plan silent on paying arrears owed, POC filed with arrears $214,047.51. .

2. State of NY, plan has $1,494 to be paid, THIS CREDITOR
FILED AN UNSECURED CLAIM SO UNLESS YOU HAVE AN ORDER RECLASSIFING THE CLAIM TO SECURED TR PAYS PER THE FILED CLAIM- PLEASE ADVISE

3. IRS FILED CLAIM FOR 1,816.05-- Trustee ok to pay?

4. Trustee obj:
- Disposable income verifies $1,405, plan is only proposing $500 x 36 months.
- There is non-exempt equity in the residence $145,661 bar date has passed total gucs filed $72,495.73. ( very large IRS unsecured claim added to guc total) Add to confirming order Debtor to provide non-exempt proceeds from sale to Trustee.



Plan $500 x 36 begin 2/1/26; Base and Sale of Tanager Lane by 7/27/26
Note: Listing Agreement provided property listed to sell at $1,099,000. 2025 Tax return provided, no tax refund received.
6/8 payments arrears 1,000

-----------RESOLVED----------------------
. State of NJ filed claim for $120.21. Trustee ok to pay? MK YES
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-11227 / CMGRoger J. Yehl, Esq.Order Vacate Dismissal of CaseRecommend DismissalDebtor has made 2 of 7 required payments   Arrears: $5,650.00
As of 9/9/26(mk):

1. No payments have been made to catch up and be current
2. Case can't be confirmed unless debtor gets current.

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-11316 / CMGPRO SEConfirmation Hearing ScheduledHold for JudgeDebtor has made 0 of 7 required payments   Arrears: $0
AS OF 9/10/26(mk)

adj to see if any options for debtor to save home- AUSA to report back

8/5/26: adj 9/16


AR NOTE HUD FORCLOSURE AUSA WILL APPEAR
APPROX 100K IN EQUITY

8/4/26(mk) 6 mos in no payments and debtor says she has no mortgage on the property. N. Engel for US atty office will appear.

7/20/26(mk) sent email to N. Engel about case and hearing 8/5/26 at noon

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

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

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

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

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


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

-no payments cased filed in Feb.

-no home insurance with personal liability coverage

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

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

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

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

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

-Part 8a Vesting of Property of the Estate and Part
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-11724 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 7 of 7 required payments   Arrears: $803.00
9/16 peremptory

AS of 9/9/26(mk)

1. Trustee Objection:
- Needs amended B & C for correct amount of inheritance
- Need 2025 tax return.
- debtor's $37,088,000 share from said estate.
- must file pre conf cert.


Plan: $2753 X 60; BASE
6/6

-----------------------------------------------
- Need documents from the estate of Rosemary Cardillo to verify debtor's $37,088,000 share from said estate.REC'D
8/27/26; order submitted resolving obj by New rez/Shellpoint Pay POC 11-1 170,326 AND Order submitted resolving obj by Serv bank Pay POC $1,050
-Objections by NewRez( Stewart Legal ) OTBS:
-plan fails to pay arrears.

- Objection by Serv Bank ( Stewart Legal)OTBS
- plan fails to treat/ pay arrears claim
post 341 dox litigation( debtor to receive 37,088 Inheritance) per a schedule and letter from estate atty
- There is $66,000 in non exempt equity in the inheritance
- Need documents from the estate of Rosemary Cardillo to verify debtor's $66,000 share from
said estate.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-11748 / CMGStephanie Shreter, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 7 required payments   Arrears: $882.00
AR RESOLVE OR HOLD
As of 9/10/26(mk):

Work up on plan #33

ARREARS 1,362 NEEDS TO GET CURRENT AND THEN CAN WORK UP Should have paid 921 begin August and only paid 480 payment will need to increase to cover claims




Plan:$2400 PTD; $921 X 55; BASE
arrears 1,362
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-11878 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 7 required payments   Arrears: $100.00
9/16 Peremptory

Tr to discuss w/ atty and creditor before conf

8/26/26;atty says has 93,000 in acct- this is news

8/25/26: the 2 settlement docs have been uploaded

Case should really be converted due to payments f to creditors and family form 2 lawsuit settlements before filing

8/24/26(mk): Order submitted that takes the unsecured claim filed by Avalon Med'l rep by D. Straffi and makes 55,556.14 of it Secured and to be paid thru the plan and the balance of 141,445.84 unsecured and treated w/ rest of gucs- This order is a resolution of an objection to confirmation. This is unequal treatment of creditors in the same class and the unsecured claims were to be treated pro rata and this was not motion filed to reclassify Avalon's claim 7-1. Need TR review. The plan provides for 100 x 36

>>NOT FEASIBLE


As of 8/12/24(mk):

peremptory Confirm or Dismiss

Tr need second settlement statement
debtor atty discussing resolution w/ Straffi
Rudik needs to resolve w/ objecting creditors - he is to provide settlements on both settlements to objecting creditor- if not resolved case should be converted


As of 7/10/26(mk):updated

>> NEED TOTAL AMOUNTS REC'D FORM FIRST AND SECOND SETTLEMENTS AND THE DATE HE REC'D THE FUNDS mk debtor spent all of 1st settlement on payment of friends and all of 2ond settlement but 66,000-

CASE SHOULD BE CONVERTED TO A CH 7


$ that is left from 2nd settlement ( shortly before filing)is in Trust acct of atty- 66,646.67- will minus exemption and turn it over- debtor spent first settlement $ atty says docs were submitted- DEBTOR NEEDS TO TURN THIS OVER

As of 7/8/26(mk):

1. Objection by US Claims Opco LLC (Husch Blackwell LLP) :
- plan does not provide for secured claim of $37,443.86 (claim #6)
- Debtor's schedules show there are funds sufficient to pay all claims in full. CAN BE PAID IN FULL IN FULL PER ATTY

2. Objection by Avalon Medical -Straffi

3. Trustee objection:
- What is status of other lawsuit?
- debtor
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-11944 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
10/7/2026 10:00 am
Debtor has made 6 of 7 required payments   Arrears: $243.00
As of 9/9/26(mk)
NFA
NEED UPDATE ON THE LM- made last trial payment on the trial lm needs 1 more adj to file the motion to approve the LM once atty gets dox


8/24 mk atty advises debtor approved for a LM waiting on terms as debtor completes last trail payment then prob file a MP- adj to 9/16 for follow up


As of 8/12/26(mk):

1. Plan treats mtg PHH as unaffected. They filed an arrears claim for $14,024- OK TO PAY?

2. Trustee objection:
- per new Appraisal NE equity in real property is $2,878.

-claim for consumers filed by creditor and will be treated as an amendment to claim #26 filed by debtor atty BUT PLAN HAS A CRAM on car SO NEED PROOF OF SERVICE ON THE CREDIOTR

Plan $243.40x50 base plan
6/7 payments


-------------------RESOLVED------------
- Need explanation of CMA which values property at $167,500.00. Zillow values property at $305,600. Have appraisal now - resolved
Need a statement for the 401k loan. PROVIDED
- Need explanation of CMA which values property at $167,500.00. Zillow values property at $305,600. Have appraisal now at 190,000- resolved
- Need a statement for the 401k loan. PROVIDED

Pre-Confirmation Certification - RESOLVED, FILED.
-Need copy of 2025 by 5/31/2026 - DEBTOR FILED EXTENSION OF TIME TO FILE 2025 RETURN
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-11977 / CMGAndrew G. Greenberg, Esq.Confirmation HearingIncomplete Docs - Needs Resolution of IssuesDebtor has made 6 of 7 required payments   Arrears: $1,577.00
As of 9/11/26 (DS): 1. BELOW ISSUES NOT RESOLVED

For judge to rule on Alevas claim see Wilmington #s in B. Caine's objection must serve creditor Alevas claim is that claim valid or not?

8/26/26 (DS): 1. Trustee obj to the following:
- Need service to all creditors listed in motions in Plan, except Chris Alevras and Wilmington Savings obj filed.
- Excessive expenses on Sched J $1,200 spouses credit cards and $2,000 support for 2 children in college. Must provide proof of expenses 10 days prior to confirmation.
- Disposable income verifies $7,524.
- 22C has disposable income is $10,399 which requires a min. div. $623,940 to gucs.
- There is non-exempt equity in the personal assets $6,325.
- Must file Pre-confirmation certification.
- Must resolve the objecting creditors objections.

2. Freedom Mtg (KIMBERLY WILSON) obj to arrears owed are more, POC filed with arrears $96,185.89, plan proposed $64,000. COTBS TO PAY ARREARS

3. CHRIS ALEVRAS ( PRO SE) obj that lien is judgment lien and arose from fraud, etc. Claim filed is missing 2nd page of claim and provides no attachments as to reason for judgment, as well as objection.

4. Wilmington Savings (BRIAN CAINE) obj that claim is a judgment lien not mortgage lien, Zillow values $516,300. Pursuant to Section 522(f)(2)(B): In the case of a property subject to more than 1 lien, a
lien that has been avoided shall not be considered in making the calculation under subparagraph (A) with respect to other liens. Must resolve obj. mk his numbers are in his objection

5. Riverbend Townhouse (MCGOVERN LEGAL) obj should be resolved, plan propose to pay arrears owed per POC filed $12,636.59. COTBS TO PAY ARREARS

Prop Plan $2,000 x 60 begin 3/1/26; Base
Note: Updated auto insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-12135 / CMGMark S. Cherry, Esq.Confirmation Hearing on Modified PlanRecommend DismissalDebtor has made 7 of 7 required payments   Arrears: $0
AS OF 9/10/26 (Sf) BELOW ISSUES STILL APPLY

Adj peremptory last time. TAX CLAIMS ARE STILL ESTIMATED. MP WAS FILED BUT DOES NOT RESOLVE THE ESTIMATED TAX CLAIMS



8/10/26 (sf) Adj Peremptory

Schedules amended, need to review

Need proof of auto insurance for 2007 Nissan Versa (Per atty, car was sold prior to filing. Atty to provide cert from debtor.)


PLAN IS NOT FEASIBLE. CLAIMS ARE HIGHER. HUSBAND'S INCOME WAS REPLACED ON SCHEDULE I WITH JUST A CONTRIBUTION WITH NO EXPLANATION


1. Objection filed by Santander Bank (Wilson) - failure to pay arrears of $180,456.10 (OKAY TO PAY?)

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

3. State of NJ filed secured claim 2-1 in the amount of $5423.26 which is not addressed in plan (OK TO PAY?)

4. State of NJ filed estimated priority claim 2-1 (NEED AMENDED CLAIM)

5. Trustee objection:

- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of
confirmation. DISPOSABLE INCOME VERIFIES AT $2652

- The debtor has failed to file a feasible plan -. Debtor has insufficient income and plan needs
to be 100% due to non exempt equity.

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


- The debtor must provide proof of auto insurance for the 2007 Nissan Versa.

- There is $145,947 in non exempt equity in the bank account. (THERE IS NONEXEMPT EQUITY OF $62,430 IN BANK ACCOUNT)




Plan proposes $3,208 x 60 Base
Payments: 5/5

RESOLVED:
- A copy of the last filed tax return - for 2025 by 5/31/2026. (STILL NEED)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-12701 / CMGEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 6 of 6 required payments   Arrears: $0
As of 9/8/26(mk):

>>MFR 9/16/26- Alliant Credit Union(KML)- 2nd Mtg on #373

1. Bifurcated claim filed by Ally Capital- plan has outside but there are arrears of $1,865.67 need to know treatment of the claim

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

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

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

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

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

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

- must file pre conf cert.

Plan: $320 X 60; BASE
6/6 payments

---------RESOLVED---------------------------------
Objection By Alliance credit(KML) on #373 2nd mtg RESOLVED PAY ARREARS CLAIM #18 in full
Objection by Rocket Mtg (McCalla0: on prop #373 RESOLVED- PAY POC
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-12815 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
11/18/2026 10:00 am
Debtor has made 4 of 6 required payments   Arrears: $2,500.00
11/18/26 PEREMPTORY

As of 9/9/26(mk):

work up on plan #24


1. IRS estimated claim- atty says all returns are filed - debor has accountant who followed the guidelines- atty to file a motion to to it resolved.
2. This plan now has pay in full on One main claim for 2016 Honda( Plan as creditor as Spring Fin) secured claim is for 14,052.94 Plan adds interest for total 19,263.57- NEED AN ORDER TO PAY ANYTHING OVER THE 14,052



Plan:$2000 X 4; $2500 X 13; $3150 X 43; BASE Student loans outside
5/6 payments - sept payment due for 2500
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-12942 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
10/28/2026 10:00 am
Debtor has made 5 of 6 required payments   Arrears: $1,882.00
As of 9/9/26(mk):

>>MFR on 10/7 for 2017 Ford by Ally Cap ( G. Stewart)

HAS the LM package been submitted?

8/5 application to participate in Loss mt granted: per Tr full lm application to lender - provide the LM package to lender and atty for lender.


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

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

3. Must resolve the ESTIMATED TAX CLAIM State of NJ 2021-2023 not filed.

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


Plan $1,882 x 60 begin 4/1/26; Base and Loan mod on Stockton Street by 10/1/26
5/6 payments

----------------------RESOLVED----------------------
IRS POC NOR Longer estimated
- Must provide 2025 Tax return.(PROVIDED)
DSO info sheet provided 6/3/26.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-12953 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 6 required payments   Arrears: $486.00
AS OF 9/11/26 (SF) BELOW ISSUES STILL APPLY


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


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

4. The debtor has failed to provide proof of service with respect to Plan Motion(s). (STILL IMPROPER SERVICE. DID NOT SERVIE ATTORNEY GENERAL)


Plan proposes $504 x 60 Base; Sale by 12/1/26
Payments 5/6 Arrears: $486



RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED).
- IRS filed estimated priority claim 7-1 (AMENDED)
- State of NJ filed estimated priority claim 11-1 (AMENDED)

Need a copy of the last filed tax return - 2025 return by 5/31/2026 (RECEIVED, TAX REFUND IS $5064
2. The plan proposes to pay $37,550 to US Depart of HUD claim 1-1 but the claim was filed with zero arrears (MP FILED, CLAIM IS UNAFFECTED)

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13079 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 6 required payments   Arrears: $600.00
As of 9/11/26(mk):email to atty- ok to terms

Work up on plan #19- the plan length will need to be increase to keep the payment at 300 per month

**CAN REC CONFIRM AT $1,200 PTD Then $300 x 51 Begin 10/1/26 0%.
plan extended to total of 57 months**



Plan: $300 x 36 begin 4/1/26; $0
4/6 payments

---------------RESOLVED-----------------------

1. Estimated claim by IRS - priority
8-24 APOC NOT LONGER EST
Email InquiryMatter ResolvedRequest
Adjournment
1429/16/2026 10:00 am26-13098 / CMGKarina Pia Lucid, Esq.Order Vacate Dismissal of CaseRecommend DismissalDebtor has made 6 of 6 required payments   Arrears: $0
AS OF 9/11/2026 (at):

CASE PENDING SINCE 3/23/2026. OBJECTION REMAINS UNRESOLVED.

1. Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. (LANGUAGE ADDED)

2. Objection filed by Legacy Mortgage (McCalla Raymer) - failure to cure full arrears of $73,452.70 (Per POC). Plan proposes to pay $62,723.39. (UNRESOLVED)

3. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the homeowner's insurance renewal declaration - policy provided expired 5/26/2026, need to provide renewal (RECEIVED)
- A copy of the deed - with the recording information on it. (RECEIVED)
-There is $181,114.77 non-exempt equity in house. (LANGUAGE ADDED)
-There is $9,098.46 non-exempt equity in timeshare. (LANGUAGE ADDED)
TOTAL NON-EXEMPT EQUITY $190,213.23

Plan proposes: $450 x 6 beginning 4/1/2026, $2,356 x 54, loan modification by 7/1/2026, 100% plan
Payments: 6/6
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13125 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 6 required payments   Arrears: $600.00
AS OF 9/10/26(mk):NEED UPDATE ON STAUS OF ISSUES FROM ATTY

STILL NO SALE PROCEEDS


mk:debtor address per sale K was Leland ave- did they file a chg of address? who owns that property??


Kim Wilson has Mtg on prop was transferred it in March 2023 #634-636 for 100,000 and mtg was never paid off. creditor has SV and now motion filed

MTN To reduce Claim of freedom mtg on 8/26


mk sent email to atty for status 7/22/26

7/22/26(mk) NEED HUD FROM SALE OF PROPERTY #820- NOT CLOSED YET?? NO to close in 2 weeks
Plan has to be 100% due to equity in real prop.

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

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

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

As of 6/1/26 (DS): 1. Trustee obj to the following:
- Must provide auto insurance for 2020 Hyundai (ATTY AMENDED SCHED A/B, BUT TRUSTEE ASKED FOR DEBTOR'S CERT,-CERT PROVIDED 6/24/26 MIDNIGHT, DEBTOR HAS NOT HAD CAR FOR A YEAR BEFORE FILING, THEREFORE, WE NEED TO REMOVE CAR PAYMENT AND STRIKE CREDITOR FROM PLAN.
- Must amend Debtor's petition to add the alias of "Steve Apisa" to the petition.
- Disposable income WOULD verify $1,940, since there is no car payment $400, also plan fails to add tax refund $2,645 when determining the disposable income.
- Need a tier plan when car payment $400 ends in month 14. IF THERE IS NO 2020 CAR THEN THERE IS NO C
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13129 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 9 of 6 required payments   Arrears: $4,933.00
As of 9/11/26 (DS): 1. Debtor in arrears $4,933, made 3 out 6 payments, last payment made $3,065 7/23/26. DEBTOR NEEDS TO MAKE PAYMENTS.

2. Add to confirming order non-exempt equity proceeds from sale to Trustee.

Sale K MP in 14 days for sale

7/15/26 (DS): 1. Debtor in arrears $5,982, made 2 payments out of 4, last payment made on 6/8/26 for $6,050. Debtor needs to get current.

2. Trustee obj there is non-exempt equity in the residence $188,663 and Bank of America acct $669 total $189,332. Bar date has passed total gucs filed $31,628.43. MOD PLAN PROPOSE SALE AND 100%

3. IRS filed claim in the amount of $8,777.54, not in Plan and needs to be paid. Trustee ok to pay? MOD PLAN STILL FAILED TO ADD.MK YES PAY

Prop Plan $3,008 x 4 begin 4/1/26; $1,008 x 56 begin 8/1/26; 100% and Sale of Greystone Rd by 1/1/27
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13232 / CMGDavid G. Beslow, Esq.Confirmation Hearing on Modified PlanNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 6 required payments   Arrears: $200.00
AS OF 9/11/26 (SF)

1, NEED STATUS OF SALE. PER THE MOTION TO SELL, SALE WAS TO TAKE PLACE BY END OF AUGUST

2, Motion for Relief filed by Loandepot.com scheduled for 9/16/26

3. US Small Business Admin filed secured claim 11-1 in the amount of $206,009.60 which is not addressed in plan (MUST RESOLVE)

4. Trustee objection:

- The debtor has insufficient income.

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

- The Confirming order should provide for all non-exempt proceeds from the sale of the residence .


Note: Appraisal provided, $485,000


Plan proposes $200 x 36 Base; Sale in 6 month
Payments: 5 of 6 Arrears: $200




mk: fyi:order approving sale of real property was submitted should be entered 8/31- fee app for fees 2,163.88 related to sale on 9/22 as of now and these supp fees will be paid at the closing of the sale when that occurs

Appraisal provided, need to review


appl to retainer realtor filed #33- listing price is 450,000
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13245 / CMGMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 5 of 6 required payments   Arrears: $6,613.00
AS of 9/10/26(mk):


IF THE MFR ON 10/7 FOR MTG IS RESOLVED WITH PAYMENTS OUTSIDE PLAN THEN TO CONFIRM THIS PLAN

** NEEDS TO CONFIRM AT $13,632 PTD THEN $2,778 x 54 Begin 10/1/26 100%.Preserve non exempt equity of $5,496 in real estate.


1. MRF by US Bank(Padgett Law) on 10/7/26 for Mtg OWES JUNE- AUGUST POST PETITION AND NOW PROBABLY SEPT.

2. MFR By Credit Acceptance( W.Craig) on 10/7 for a 2010 Honda- THIS AUTO IS BEING SURRENDERED IN FULL SATISFACTION IN PLAN

3. Debtor's motion to Modify claim of real time- to pay the full amount of the claim


Plan: $13,632 PTD; $2665 X 55; 100%
arrears 6.613
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13374 / CMGMitchell Lee Chambers, Jr., Esq.Order Vacate Dismissal of CaseRecommend DismissalDebtor has made 3 of 6 required payments   Arrears: $13,524.00
AS OF 9/11/2026 (at):

DEBTOR HAS MADE THREE OF SIX TRUSTEE PAYMENTS. ARREARS ARE $13,524.

1. The trustee shall pay the arrearage amount of $3,699.75 to Onemain Financial, Claim # 7. No distributions shall be made on the secured and unsecured portions of the proof of claim.

2. Debtor must provide proof that 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. (NOT RECEIVED)

3. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A copy of the last filed tax return - 2025 return by 5/31/2026 (RECEIVED)
- as of now the no exempt equity in property is $215,843 100 % plan (LANGUAGE ADDED)


Modified Plan before confirmation proposes: $4,508 x 60 beginning 4/1/2026, loan modification by September, 2026, 100% plan
Payments: 3/6, arrears $13,524
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13384 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 5 of 6 required payments   Arrears: $1,500.00
AS of 9/10/26(mk):ok to terms


**CAN REC CONFIRM AT $7500 PTD Then $3028 x 54 Begin 10/1/26 Base. Student loans will be paid outside of the plan.
Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan.


Arrears 1500 and is calculated into the PPSD payment


Plan proposes: $1,500 x 6 begin 4/1/26 then 3000 x 54 base
5/6 payments
------------------------------------------
Add to confirming order fee app within 7 days from confirming order. (LANGUAGE ADDED)
- Add to confirming order Debtor to provide updated proof of income for Debtor and spouse for the ends of the year 2026 by 1/15/27. (LANGUAGE ADDED)
- Add to confirming order fee app within 7 days from confirming order. (LANGUAGE ADDED)
- Add to confirming order Debtor to provide updated proof of income for Debtor and spouse for the ends of the year 2026 by 1/15/27. (LANGUAGE ADDED)
Add to confirming order fee app within 7 days from confirming order. (LANGUAGE ADDED)
- Add to confirming order Debtor to provide updated proof of income for Debtor and spouse for the ends of the year 2026 by 1/15/27. (LANGUAGE ADDED)
Expenses reviewed and ok (mk) 4 PP HH sch J overall is reasonable
- 22C-1 has excessive expenses: Line 13 takes $2,750 spouse expenses. 22C-2 Line 21 Childcare $1,200, Line 30 Additional food/clothing $77 and Line 46 is deducting $850 on a
one time bonus spouse received and is not expected to occur (Can add to confirming order to provide updated proof of income by 1/15/27 to follow up if bonus is received). (LANGUAGE ADDED)
- Sched J has excessive expenses: Home maintenance $100 (do not own home), Renter's insurance $18, Childcare $1,200, Entertainment $400, Spouse Debt service $2,500 and
spouse personal care $250. Must provide proof of expenses 10 days prior to confirmation. - The debtor has failed to file the required Pre-Confirmation Certification. FILED)
- A copy of the last filed tax return - for 2024 all pages from business and 2025 Tax retur
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13457 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 6 required payments   Arrears: $828.00
AS OF 9/10/26 (SF) BELOW ISSUES STILL APPLY



1. The IRS just filed estimated priority and unsecured claim 6-1 (UNSECURED CLAIM IS STILL ESTIMATED)


Trustee objection:

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


Plan proposes $700 x 60 100% Plan
Payments: 4.8 OF 6 Arrears: $828


RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Plan is not feasible. Trustee payment needs to increase to $1272 per month. Debtor is not current with Trustee payments (I and J amended. Disposable income is now $1307)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13495 / CMGFilipe Pedroso, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 6 required payments   Arrears: $3,181.00
As of 9/11/26 (DS): 1. Debtor in arrears $3,11.32, made 2.48 out of 6 payments, last payment made 8/12/26 $561.

2. Motion to reinstate stay with Freedom sched 9/16/26. Need outcome.

3. ISSUES NOT RESOLVED:
- Must file Pre-confirmation certification.
- Plan fails to propose Trustee standard order of distribution and mark off 8d Post-petition claims.
- INCOME IS NOT FEASIBILE TO SUPPORT AN INCREASE IN TRUSEE PAYMENT TO PAY HIGHER ARREARS CLAIM AND 100% TO UNSECURED CREDITORS, DISPOSABLE INCOME VERIFIES $729, WOULD NEED ESTIMATED TRUSTEE PAYMENT OF $900 OR MORE.
- Freedom Mtg (BROCK & SCOTT) obj arrears owed more, POC filed with arrears $32,727.24. Must resolve obj.

MP in 14 days
2025 tax return submitted - will agree to 100%

Atty submitted late adj 7/14/26 5:30pm must appear

7/15/26 (DS): 1. MFR filed by Freedom Mtg, Debtor has not made any post-petition payments since 4/1/26. Sched 8/5/26. STAY RELIEF GRANTED 8/5/26. MOTION TO REINSTATE STAY SCHED 9/16/26 NEED OUTCOME.

2. Trustee obj to the following:
- There is non-exempt equity in the residence $107,260. Plan has to be 100%, bar date has passed, total GUCS filed $16,888.76.
- Must file Pre-confirmation certification.
- Plan fails to propose Trustee standard order of distribution and mark off 8d Post-petition claims. MOD PLAN FILED 8/12/26 STILL FAILS TO PROPOSE.
- INCOME IS NOT FEASIBILE TO SUPPORT AN INCREASE IN TRUSEE PAYMENT TO PAY HIGHER ARREARS CLAIM AND 100% TO UNSECURED CREDITORS, DISPOSABLE INCOME VERIFIES $729, WOULD NEED ESTIMATED TRUSTEE PAYMENT OF $900 OR MORE.

3. Freedom Mtg (BROCK & SCOTT) obj arrears owed more, POC filed with arrears $32,727.24. Must resolve obj.

Prop Plan $903.75 x 59 begin 4/1/26; $903.89 x 1; 100% ($16,888.76 TIMELY FILED POC)
Note: 2025 Tax return provided.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13609 / CMGPeter E. Zimnis, Esq.Confirmation Hearing on Modified PlanRecommend Confirmation - HONOR ROLLDebtor has made 4 of 5 required payments   Arrears: $763.00
AS OF 9/10/26 (SF)


RECOMMEND $700 X 2 (BEGIN 5/1/26); $763 X 2 (BEGIN 7/1/26); $824 X 56 (BEGIN 9/1/26) 100% PLAN W/MIN DIV OF $98,225 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE


Motion to allow late claim scheduled for 9/16 at 9 (no opposition)

MP proposes $2163 PTD; $817 X 57 100% Plan
Adds late claim
Plan has run 5 months with 55 months remaining
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13789 / CMGAndre L. Kydala, Esq.Confirmation HearingRecommend DismissalDebtor has made 6 of 5 required payments   Arrears: $0
AS OF 9/11/2026 (at):

CASE PENDING SINCE 4/6/2026. NOTHING ADDRESSED OR PROVIDED.

1. Objection filed by PNC Bank (KML) - plan does not list PNC as a secured creditor. Claim filed with $0 arrears. (UNRESOLVED)

2. Objection filed by Deutsche Bank (Robertson Anschutz) - objecting to cram. Claim filed for $105,027.39 in arrears. Plan proposes to sell the property but to pay creditor $0. (UNRESOLVED - DUPLICATE OBJECTION FILED IN THE NAME OF NEW REZ)

3. Trustee's objection:
The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - for 75 S. Main Street, Lambertville City, NJ 08530. (NOT RECEIVED)
- Business profit & loss statements (NOT RECEIVED)
- A copy of the last filed tax return - for 2025 when filed (NOT RECEIVED)
- A copy of the homeowner's insurance renewal declaration - for 75 S. Main Street, Lambertville City, NJ 08530. (NOT RECEIVED)
- Need March and April bank statements for PNC checking account. (NOT RECEIVED)
- A copy of the deed - for 75 S. Main Street, Lambertville City, NJ 08530. (NOT RECEIVED)
- Amendments to Schedules to list 75 S. Main Street, Lambertville City, NJ 08530. (NOT AMENDED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$4,398/month mortgage payment (per claim filed monthly payment is $3,895)
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 $69,085 in non exempt equity in the residence. (LANGUAGE ADDED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on MEB REO Trust. (NOT FILED)
- Need to resolve objection by PNC Bank.
- Need to resolve objection by Deutsche Bank.
- Need to resolve objection by New Rez.
- need MP to remove modification in part 4 d and 7 b (MOD PLAN NO
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13819 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $600.00
issues as of 9/4/2026 (JMA)

1) Synchrony Bank (2023 Polaris) - NEED TO RESOLVE
- Plan treats claim as secured and unaffected by plan. However, it lists $14,720 secured ant $16,651.20 as unsecured. Plan does not propose payment through plan.
2) Yamaha Motor Finance (2018 Yamaha Jetboat) NEED TO RESOLVE
- The Jetboat is treated as secured and unaffected by plan - debtor attorney needs to advise Trustee how claim is to be treated.

proposed plan $600x6, $1,800x54 100% plan
pai in $2,400
arrears $600
last claim 20-1
Email InquiryMatter ResolvedRequest
Adjournment
1509/16/2026 10:00 am26-13852 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 3 of 5 required payments   Arrears: $1,312.00
AS OF 9/11/2026 (at):

DEBTOR HAS MADE THREE OF FIVE TRUSTEE PAYMENTS.

1. Objection filed by UMB Bank (Romano Garubo) - blanket objection. Debtor is not current with Trustee payments. (UNRESOLVED)

2. Trustee's objection:
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- Verified income leaves monthly disposable income of $2,490.

RESOLVED ISSUES:
- 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):
- Amendments to Schedules B to add the business including total asset value (truck) (AMENDED)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $66,399 non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)
- 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). (LANGUAGE ADDED)

Plan proposes: $656 x 36 beginning 5/1/2026, loan modification by 10/31/26, 100%
Payments: 3/5, arrears $1,312
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13938 / MEHDavid G. Beslow, Esq.Motion Relief from Stay (Fee)No Opposition FiledCARRINGTON MTG (FRIEDMAN)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-13989 / CMGKirsten B. Ennis, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 5 required payments   Arrears: $900.00
As of 9/10/26 (DS): Debtor atty requested adj, request denied, still has not provided homeowner insurance with personal liability.

As of 9/11/26 (DS): 1. Trustee obj to the following:
- Must provide homeowner insurance with personal liability coverage, policy provided is a forced mortgage master policy.
- Must amend attorney disclosure to mark off attorney fees $4,750 to be paid through plan.
- There is non-exempt equity $132,338 in the residence. RECOMMEND WAITING PASS BAR DATE 10/5/26.
- Disposable income verifies $7,772. Income for spouse verifies much higher from Jan-June than scheduled.

2. HSBC Bank (CORY WOERNER) obj to Debtor not current wit post-petition mortgage, is delinquent on water, sewer property taxes and loan mod package not submitted. Must resolve obj.

3. Santander-2015 Jeep filed arrears claim $1,728.74. Needs to be paid. Trustee ok to pay?

Prop Plan $400 x 3 begin 5/1/26; $750 x 57 begin 8/1/26; Base and Loan mod on Churchill Ct by 1/31/27
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14001 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $400.00
As of 9/11/26 (DS): 1. MFR not resolved with Citizens Bank sched 9/16/26, need outcome.

2. BELOW ISSUES REMAIN UNRESOLVED.

8/26/26 (DS): 1. MFR filed by Citizens Bank sched 9/16/26, Debtor in post-pet arrears, cert does not mention amount owed. Must resolve.

2. Trustee obj to the following:
- Debtor has insufficient income, disposable income verifies $198, even after adding tax refund, which was not listed on Sched I.
- The plan fails to list the mortgage Rushmore with arrears $690.95, instead list Mrc/United Wholesale M. Trustee ok to pay and strike Mrc?
- There is non-exempt equity in the residence $210,050. Bar date has passed total gucs filed $48,300.02, but attorney may want to look at claims #1 & #2 of TD Bank both for $12,862.26, may be dups.

3. Citizens Bank (ANDREW LUBIN) obj arrears owed more, POC filed with arrears $27,535.74. C/O ENTERED 8/26/26 TO PAY ARREARS $27,535.74.

Prop Plan $400 x 60 begin 5/1/26; 100% and Refinance of Johnson Ct by 5/1/27
Email InquiryMatter ResolvedRequest
Adjournment
1319/16/2026 10:00 am26-14057 / CMGRoger J. Yehl, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 5 of 5 required payments   Arrears: $1.00
AS OF 9/10/26 (SF) BELOW ISSUES STILL APPLY


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

2. Trustee objection:

- The debtor has insufficient income.

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



Plan proposes $460.12 x 60 Base Plan
Payments: $2300 Received Arrears: $.60





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

atty out of town both parties agree to adj to resolve objection in #1


Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14068 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 5 required payments   Arrears: $450.00
As of 9/9/26(mk):

**CAN REC CONFIRM AT $ 1800 PTD then $450 x 55 Begin 10/1/26 100% min 27,000 to gucs.Loan modification by 11/1/2026. No payments pending LM
State of NJ per plan claim of $12,873.00 will not be paid unless a claim id filed**


1. Plan has min of 27,000 but GUCS total is only 3,002.79 so plan can be 100%

Plan $450X60 with loan mod by 11/1/2026 minimum $27,000 to gucs
4/5 payments



----------RESOLVED----------------------------
order submitted resolving objection by Lakeview(#1 below) - terms LM by 11/1 .Reg payments made by debtor to creditor pending LM. Tr no pay pending LM
Obj by Lakeview Loan Servicing LLC (KML) objection to confirmation -
Trustee objection to confirmation - RESOLVED
- Property settlement agreement - RESOLVED, PROVIDED DIVORCE DOCUMENTS
- TD Bank statements from 2/26/26-4/13/26. RESOLVED, PROVIDED
- Must resolve creditor objection.

- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED.
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return for 2024 and 2025 -RESOLVED, TAX RETURNS PROVIDED, NO REFUND
- A copy of the homeowner's insurance renewal declaration with personal liability coverage, not forced mortgage insurance, which expired 12/27/25 - RESOLVED, PROVIDED RENEWAL EFFECTIVE THROUGH 6/19/2027
- Property settlement agreement - RESOLVED, PROVIDED DIVORCE DOCUMENTS
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14069 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 5 of 5 required payments   Arrears: $100.00
As of 9/11/26 (DS): 1. MFR filed by SPS, Debtor in post-pet arrears $10,000.50 as of 7/1/26, sched 10/7/26. Need outcome.

2. Real Time Solutions (JAMES BENJAMIN) obj to to sale and full arrears not paid. Must resolve.

3. BELOW ISSUES REMAIN UNRESOLVED.

8/5/26 (DS): 1. Trustee obj to the following:
- Must provide 2 months proof of income for spouse now that spouse has returned to work and statement for the Acorn investment account prior to filing date.
- Must amend Sched I to include spouse income.
- Disposable income verifies $550, also car payment $458 ends in month 25 and will require a tier, pending income from spouse, 2025 Tax refund and amended Sched I subject to increase.

Prop Plan $300 x 60 begin 5/1/26; Base and Sale of Virginia Ave by 4/1/27
Note: State of NJ estimated claim amended. Updated homeowner insurance, Auto insurance for 2021 Nissan Altima and 2025 Tax return provided.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14077 / CMGYakov Rudikh, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $960.00
AS OF 9/10/26 (mk):

>MOTION TO EXPUNGE REAL TIME CLAIM ON 9/16- NEEDS TO BE RESOLVED- NOT GOOD SERVICE ON CREDITOR - served at POC address but did not address it to Managing agent of officer authorized to accept service
DEBTRO SAYS WAS DISCHARGED IN A ch 7- SAYS SINCE DEBTRO MADE NO PAYMENTS AND 10 YEAR STATUTE OF LIMITAIONS FOR FORECLOSURES AND??...

1. Objection filed by Real Time Resolutions (Must O'Keefe) - loan has matured and they will be filing a total debt claim for 94,885. Plan fails to provide for movant's claim. (UNRESOLVED)

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

Plan proposes: $960 x 60 beginning 5/1/2026, 100% plan
Payments: 4/5
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14160 / CMGAllen I. Gorski, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 5 of 5 required payments   Arrears: $200.00
AS OF 9/10/16(mk):

IF MOTION TO EXTEND STAY IS GRANTED THEN CAN

**REC CONFIRM AT $4300 PTD Then $ 1,315 x 55 Begin 10//1/26 100%
- Debtor's attorney must file a fee application within 7 days of the entry of the order confirming the plan. Preserve non exempt equity of $40,425 in real estate. Preserve non exempt equity of $7,955 in personal property. OTBS resolving objection by Credit Union of NJ to pay arrears claim #1-1 in the amount of 49,965.92 through the plan**



Plan proposes: $900 x 60 beginning 5/1/2026, 100% plan
Payments:5/5


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

Objection added by Credit Union of NJ (McKenna DuPont) - failure to cure full arrears of $49,965.92 (Per claim). Plan proposes to pay $30,000. (UNRESOLVED) MK PAY IT

Trustee's objection :ALL RESOLVED W/100%
- The debtor has insufficient income. (CURRENT)
- The debtor has failed to supply the Trustee with the following document(s):
- A current market analysis - comps provided were sold in 2024, need CMA with comps within 6 months of filing (NOT RECEIVED - SUFFICIENT N/E EQUITY FOR 100% PLAN)
- Need to provide statements (March & April) for CUNJ savings account
- 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 may be non-exempt equity in real estate once we receive an updated CMA. (100% PLAN) (THERE IS $40,425 IN NON EXEMPT EQUITY IN THE RESIDENCE - LANGUAGE ADDED)
- There is $2,955 non-exempt equity in jewelry. (LANGUAGE ADDED)
- There is $5,000 non-exempt equity in 206 Infiniti. (LANGUAGE ADDED)
- Need 3-month (May, June & July) P&L statement for full-time job for debtor. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14349 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 5 of 5 required payments   Arrears: $0
AS OF 9/11/26 (SF) PLAN DENIED, MP FILED AND SCHEDULED FOR 11/18/26

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

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

3. IRS filed priority claim 16-2 in the amount of $9595.10 (OK TO PAY?

4. Trenton Tax Collector claim is much higher - $31,368.56 (OK TO PAY?)

5. One Main Financial Group filed arrears claim 15- for $3867.08 which is not addressed in plan for 2002 Cadillac Escalade (MUST RESOLVE)

6. Updated pay stubs provided and disposable income is now $1622.30

7. Trustee objection:

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

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

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


Plan proposes $515.20 x 60 Base
Payments: 5 of 5


RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification .
- Need pay stubs from Debtor for the month of March 2026, cannot determine income with 2 pay stubs and from Co-Debtor the month of May., since Co-Debtor started new job and only provided April.
- Must provide Credit Union of NJ bank statements for both Debtors from 4/1/26-4/30/26.
- There is estimated to be non-exempt equity in the residence $18,135 (pending all secured claims filed) and Credit Union of NJ accts (pending review of updated bank statements) CLAIMS ARE HIGHER NO EQUITY
-. Unemployment provided for Peter Armstrong. Need amended Schedule I (UPDATED PAY STUBS PROVIDED)

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14398 / CMGFrederick J. Simon, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 4 of 5 required payments   Arrears: $500.00
AS OF 9/11/2026 (at):

1. Plan proposes a sale and refinance of 6 Schmitt Street. Cannot propose both. Need a modified plan.

2. Objection filed by Freedom Mortgage (Brock & Scott) - failure to cure full arrears of $75,069.89 (Per claim). Plan proposes to pay $26,387.53. (UNRESOLVED)

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C over exempts d(1) and d(5), takes full d(1) $31,575 on residence, which leaves d(5) with $1,675.
- The current Plan does not specify treatment of Digital Employees FCU under the Plan. (IS THE DEBTOR GOING TO PAY THIS CLAIM FOR SOLAR PANELS?)
- need information on Father's estate once obtained. (NOT RECEIVED)

RESOLVED ISSUES:
- The debtor has insufficient income. Disposable income verifies $334. Debtor must do e-Wage. (CURRENT)
- 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 $168,956, #10 $3,325, Chime checking acct $2,921, Chime savings acct $3,148 and the Estate of Alan $100,000. (LANGUAGE ADDED)
- Must resolve creditor objection. (LISTED ABOVE)
- Add to confirming order non-exempt proceeds from sale/refinance of residence to Trustee and non-exempt proceeds from the Estate of Alan Pasztornyicky to Trustee. (LANGUAGE ADDED)

Plan proposes: $500 x 60 beginning 5/1/2026, sale and refinance of Schitt Street, 100% plan
Payments: 4/5, arrears $500
Email InquiryMatter ResolvedRequest
Adjournment
1379/16/2026 10:00 am26-14424 / CMGPRO SEConfirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 3 of 5 required payments   Arrears: $1,600.00
issues as of 9/4/2026 (JMA) - 341 not held, not rescheduled

341 dox needed:

DEBTOR SON SIGNED CONTRIBUTION AFF,

DEBTOR 2024/2025 TAX RETURNS,(nothing ever received)

DEBTOR CMA(ZILLOW.COM) FOR 32 Mk use zillow


did she pay anyone to help her prep this petition



Debtor correspondence at #24- lender atty J. Goldman is requesting a post pet ledger of payments rom his client
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14446 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledContinued
10/28/2026 10:00 am
Debtor has made 4 of 5 required payments   Arrears: $1,653.00
AS OF 9/10/26 (SF) BELOW ISSUES STILL APPLY



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

2. Need something in writing from Perlman's office and Smith-Sklar's office as to who is to receive balance of fees. Also need Chapter 13 disclosure statement from Smith-Sklar

3. Trustee objection:

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



Plan proposes $1653 x 60 100% Plan
Payments: 4 of 5 Arrears: $1653



Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14664 / CMGDaniel E. Straffi, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 5 required payments   Arrears: $500.00
AS OF 9/10/26 (SF)

1. Objection filed by Nationstar/Computershare Trust (Holdren) - failure to pay arrears; speculative loan mod and feasibility

2. Motion for Relief by Nationstar/Computershare Trust Co scheduled for 9/16/26 at 9 (MUST RESOLVE)

3. Trustee objection:

- The debtor has insufficient income.

- There is $39,245 in non-exempt equity in the residence. (100% PLAN)

- There is $3,407 in non-exempt equity in the business. (VALUE LISTED IN SCHEDULES AND BUSINESS FORMS DIFFER BUT PLAN WILL BE 100%)

- Confirming order should provide for all non-exempt proceeds from the estate of the debtor's father.


Plan proposes $500 x 60 100% Plan; Loan Mod by 11/1/26
Payments: 4 of 5 Arrears: $500



RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- The debtor failed to provide recording information for the deed to property located at 523 Lincoln Place. (RECEIVED)
- The IRS filed an estimated claim which needs to be amended.

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14713 / CMGDonald C. Goins, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 4 of 5 required payments   Arrears: $392.00
AS of 9/11/26(mk)


**CAN REC CONFIRM AT $1,568 PTS Then $600 x 55 Begin 10/1/26 Base
Add to confirming order Trustee standard order of distribution.
Within 7 days must file Pre-confirmation certification
TR is not authorized to pay late filed claim #32-1 **



Plan $392 x 60 begin 5/1/26; Base
4/5 payments

----------------------RESOLVED-----------------
Compromise at 600 going forward
- Verified income leaves monthly disposable income of $807.
- Add to confirming order Trustee standard order of distribution.
- Must file Pre-confirmation certification.
- no pay the late filed claim
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14760 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 5 required payments   Arrears: $600.00
As of 9/10/26(mk)

Payment needs to increase to cover 100%

**CAN REC CONFIRM AT $2,400 PTD THEN 1,097 x 55 begin 10/1/26 100% w/ a min of $41,530 due to equity in real property .Plan must remain at 100% and is non modifiable as to 100% dividend to unsecured creditors due to a transfer of real property prior to filing**


plan $600x60 100% plan
4/5payments
--------------------RESOLVED------------------
St. OF NJ filed an Estimated claim #34-1. APOC FILED
There is $90 non-exempt equity in the 2013 Lexus and 41,440 in real property that is the subject of a fraudulent transfer- AS Long as plan remains 100% it is ok
- Debtor removed herself form the Deed on the real property 8 months before filing at the advice of her husband. This is considered a fraudulent transfer. Trustee is asserting that any non-exempt equity should be paid to creditors. PLAN MUST REMAIN 100% LANGUAGE ADDED TO TERMS
1. IRS unsecured claim filed in the amount of $206,280.26. MOTION TO MODIFY ON FOR 8/26/26- that was w/d as APOC filed for -0-

Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-14974 / CMGEric J. Clayman, Esq.Confirmation HearingNeeds Resolution of Issues - ObjectionsDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 9/8/26 (SF)

1. The IRS filed an estimated priority claim 16-1 (NEED AMENDED CLAIM)

Trustee objection:
- The debtor has failed to file the required Pre-Confirmation Certification (NOT FILED)
- The regular income (Uber/Lyft) provided needs to be set up in a Profit and Loss statement. (STILL NEED)


Plan proposes $500 x 60 0% Plan
Payments: 3 of 4 Arrears: $500



Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-15078 / CMGHerbert B. Raymond, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 4 required payments   Arrears: $2,400.00
9/16 for orders and for sept payment of 2400 to post

As of 9/10/16(mk):
- NO ORDERS ENTERED ON 6/3/26 HEARINGS OTBS ON DOC #3 & #17. NEED ORDERS.
- PLANET HOME (CHARLES WOHLRAB) OBJ ARREARS MORE POC FILED ARREARS $60,700.25. MUST RESOLVE.
- NE EQUITY $822,025. PLAN PROPOSE 100%. TOTAL GUCS FILED $24,951.41.
- MUST FILE PRE-CONFIRMATION CERT.FILED

7/14/26 (DS): Debtor atty requested adj to pass bar date, to allow time to review mtg claim and resolve creditor obj.

7/10/26 (DS): 1. Trustee obj to the following:
- 22C has excessive expenses Line Optional Tele Services $535 and Line 30 Additional Food/Clothing $77. Plan propose 100%.
- Disposable income verifies $1,970. Plan propose 100%.
- There is non-exempt equity in the residence $542,025 and $280,000 in 260 Mott Realty total $822,025. TOTAL GUCS FILED $24,951.41.
- Must file Pre-confirmation certification.

2. Planet Home (CHARLES WOHLRAB) obj arrears owed are way more $60,700.25, plan has $35,000, POC filed arrears $60,700.25. Must resolve obj.

Prop Plan $800 x 3 begin 6/1/26; $2,400 x 57 begin 12/1/26; 100%


----------RESOLVED-------------------------
- MUST FILE PRE-CONFIRMATION CERT.FILED
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-15090 / CMGRussell L. Low, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 4 of 4 required payments   Arrears: $0
AS OF 9/8/26 (mk):

THIS PLAN IS NOT FEASIBLE.

1. Objection filed by Deutsche Bank (Padgett) - failure to cure arrears of $370,085.22. (Per claim) Plan does not list this creditor. (UNRESOLVED - PAY PER CLAIM - DEBTOR DOES NOT AGREE TO THESE TERMS)

2. Objection filed by HSBC Bank (McCalla Raymer) - failure to cure arrears of $1,106,015.52 (Per claim). A loan modification is speculative. Plan is not feasible. (UNRESOLVED)

3. ESTIMATED CLAIM BY NJ DIV OF TAX no returns for 2022 and 2023

4. Trustee's objection:
- Proof of 2 month's income - for non filing spouse. (NOT RECEIVED)
- The attorney's fees in the plan ($0) and the disclosure statement ($1,750) do not agree. One of these must be amended. (NEITHER AMENDED)
- plan is not feasible
FYI: order submitted 7/28/26 resolving objection by Deutsche bank (Padget law) TERMS=PAY POC ARREARS(mk) NOTE: i objected to the order on the following basis: This order provides that debtor pay the arrears claim through the plan. This is the second mortage and the arrears are 370,085.22. There is a First mortgage that has arrears of 1,106,015.52 and debtors is seeking a Loan modification. The plan payments are 500 x 36. Also the property value is only 605,000


Plan proposes: $500 x 36 beginning 6/1/2026, loan modification by December 2026, $22,277.06 to unsecured creditors
Payments:4/4

---------------RESOLVED-----------------------------
The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-15388 / CMGTimothy P. Duggan, Esq. Order Vacate Dismissal of CaseRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 4 required payments   Arrears: $0
AS OF 9/11/2026 (at):

1. 341 has not been held or rescheduled.
2. Payments: 0/0
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-15690 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 4 required payments   Arrears: $4,200.00
AS OF 9/11/2026 (at):

DEBTORS HAVE MADE TWO OF FOUR TRUSTEE PAYMENTS.

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

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

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

Plan proposes: $2,100 x 18 beginning 6/1/2026, $3,060 x 42, 0% to unsecured creditors
Payments: 2/4, arrears $4,200
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-15843 / CMGNicholas Fitzgerald, Esq.Confirmation Hearing ScheduledPlan DeniedDebtor has made 3 of 4 required payments   Arrears: $1,424.00
AS of 9/9/26(mk)

MP #16 was filed and on for 10/7 so this plan will be denied and the MP will be heard on 10/7




Plan $1200X30, $1890X30 100% PLAN student loans outside
3/4 payments
-------------------RESOLVED----------------------
PLAN IS 100% AS LONG AS IT REMAINS THAT WAY EXPENSES ALLOWED
- unnecessary or excessive expense items, such as: $1,000/month for food for two; $450/month for clothing;
$450/month for personal care; $912.50/month for transportation; $400/month for medical/dental; $850/month for charitable contributions;
$830/month for student loans. Need proof of excessive expenses 10 days prior to confirmation. PROOF OF EXPENSES NEEDS TO BE ORGANIZED BY CATEGORY.
.
- The attorney's fees in the plan ($4,250) and the disclosure statement ($4,550) do not agree. Amended disclosure filed
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
- Acct #6445 provides proof of student loan expenses - RESOLVED
- Acct #4635 provided statement of ezpass transactions from 5/1/2026 to 7/14/2026 - RESOLVED
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-15921 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 4 required payments   Arrears: $500.00
AS OF 9/11/2026 (at):

DEBTOR HAS TWO OF FOUR TRUSTEE PAYMENTS.

1. Objection filed by Credit Union of NJ (McKenna DuPont) - failure to cure arrears of $541.75. Plan does not list this creditor at all. (UNRESOLVED)

2. Objection filed by Credit Acceptance (Eisenberg Gold) - creditor wants $9,409.97 at 9.5% interest and adequate protection payments. (UNRESOLVED)

3. Trustee's objection:
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,133 when determining disposable income. (AVERAGED/ADDED TO INCOME)

Plan proposes: $250 x 60 beginning 6/1/2026, base
Payments: 2/4, arrears $500
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-15928 / CMGBruce C. Truesdale, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 4 required payments   Arrears: $2,180.00
issues as of 9/4/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file a feasible plan that proposes a tier plan when 401(k) loan $229 ends 7/16/28 and tier plan when car payment $525 ends in month 20.
- The debtor has failed to file the required Pre-Confirmation Certification.
- The debtor has failed to supply the Trustee with the following document(s): A copy of the last filed tax return and all Schedules for 2025 Tax returns 1040.
- Statements from Wells Fargo accts#3342 and #4522 from 4/8/26-5/26/26, Princeton FCU acct#9016 from 5/1/26-5/26/26 and Wells Fargo svgs acct#1783 from 5/1/26-5/26/26.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: Childcare $1,340, Medical $458 and Misc. expenses $415. Must provide proof of expenses 10 days prior to confirmation.
- 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)
- 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 $56,113, 2019 Honda $1,025, Brokerage $51,043 and bank accts pending updated bank statements.
- The Plan divides unsecured claims into classes with no rational basis and discriminates unfairly against a class in violation of 11 U.S.C.  1322(b)(1). Specifically: Proposes to pay two unsecured credit cards Credit One Bank, but only propose a Base to all other unsecured
creditors.
- Add to confirming order Debtors to provide updated proof of income by 1/1/27.
- 22C incorrectly adds unemployment income amount. It has $1,058, but Debtor receives $529 weekly, which should be $2,290.57 monthly. Also did Debtor work prior to February? Is there income for Dec. & Jan that should have been added on 22C for the Debtor? How about the
ta
Email InquiryMatter ResolvedRequest
Adjournment
1539/16/2026 10:00 am26-15972 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 4 required payments   Arrears: $2,004.00
AS OF 9/11/2026 (at):

DEBTOR HAS MADE LESS THAN TWO OF FOUR TRUSTEE PAYMENTS.

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

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

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

4. Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $754 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $204,016 non-exempt equity in the residence. (100% PLAN) (LANGUAGE ADDED)

Plan proposes: $766 x 60 beginning 6/1/2026, 100% plan
Payments: less than 2/4, arrears $2,004.46
Email InquiryMatter ResolvedRequest
Adjournment
1549/16/2026 10:00 am26-16012 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 4 required payments   Arrears: $4,644.00
AS OF 9/11/2026 (at):

DEBTOR HAS MADE TWO OF FOUR TRUSTEE PAYMENTS.

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

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

3. Objection filed by Citigroup Mortgage (Hladik, Onorato) - 102 Colonial Court - failure to cure arrears of $2,281.24 (Per claim). Plan does not list this creditor. (UNRESOLVED)

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

5. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- Domestic Support Obligation information Must provide copy of Court order for $1500 support payment and DSO information sheets.
- A copy of the last filed tax return - Must provide copy of 2025 Tax Return
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
1) Excessive expenses on Schedule J: $1255 food for 1 person; $1500 Maintenance; $500 upkeep; Plan is 100%
2) Disposable income per 122C line 45 is $5768.86 which requires minimum dividend of $346,080 to general unsecured creditors
3) Disposable income per Schedules I and J verify at $5108. Plan length may need to be shortened.- The Plan provides for payment on unsecured claims of less than that which would be
distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
1) There is estimated nonexempt equity of $575,355 in real estate.
2) There is estimated nonexempt equity of $205,000 in businesses
- Mus
Email InquiryMatter ResolvedRequest
Adjournment
1599/16/2026 10:00 am26-16096 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 2 of 4 required payments   Arrears: $2,701.00
AS OF 9/11/2026 (at):

DEBTOR HAS MADE LESS THAN THREE OF FOUR TRUSTEE PAYMENTS. ARREARS $2,701.

Trustee's objection:
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
- Need proof of service on Bridgecrest Acceptance/Carvana. (CERT OF SERVICE FILED)
- need more detailed information on the value of the real property. The internet values the property much higher than the Equifax submitted. (RECEIVED NEW CMA - NON EXEMPT EQUITY IS $59,225)

Plan proposes: $1,701 x 60 beginning 6/1/2026, $0 to unsecured creditors
Payments: less than 3/4, arrears $2,701
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16206 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0
issues as of 9/4/2026 (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 - RESOLVED, DEBTOR PAYING WITH TFS
- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, PROVIDED
- The debtor(s) plan consists of unnecessary or excessive expense items, such as $3,042/month mortgage payment (per claim payment is $2,875)- Need to resolve objection by US Bank
2) US Bank (RASC) objection to confirmation - NEED TO RESOLVE
- The Plan proposes to cure Secured Creditors claim through a Loan Modification but with no date for when it must be obtained.
3) Plan proposes a loan mod without provided a date.

proposed plan $200X60 LOAN MOD PER ORDER 100% PLAN
paid in $400
last claim 1-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16317 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledContinued
10/7/2026 10:00 am
Debtor has made 4 of 3 required payments   Arrears: $0
updated 9/9/2026 (JMA) - NJ DIVISION OF TAXATION CLAIM IS STILL ESTIMATED FOR 2023-2025 TAXES - NEED TO RESOLVE

issues as of 8/21/2026 (JMA)

1) Rocket Mortgage LLC (Stern & Eisenberg, PC) objection to confirmation - OBJECTION WITHDRAWN
- Per Certification the mortgage obligation in question belongs to the debtor's father, not the debtor.
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): Proof of 2 month's income for July and August from new employment. RESOLVED, PROVIDED
- TD Bank savings acct statements from 4/3/26-6/3/26. RESOLVED, PROVIDED
- Amendments to Schedules B to add TD Bank chkg acct $498 and amend Sched I to add updated employment income. AMENDED SCHEDULES NOT FILED.
- The current Plan does not specify treatment of Rocket Mortgage with arrears $1,630.50 under the Plan. RESOLVED, NOT THE DEBTOR'S DEBT.
- 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 checking acct #075 balance $498 and savings acct #5738 balance $1,040.94. Only provided 1 statement for each account.
- Add to confirming order non-exempt proceeds from lawsuit against old business partner to Trustee.
- Must resolve creditor objection.

proposed plan $180x36 base plan
paid in $540
last claim 7-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16342 / CMGRebecca Schore, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 3 of 3 required payments   Arrears: $0
As of 9/10/26 (DS): Need to confirm at $500 x 3 begin 7/1/26, $1,185 x 57 begin 10/1/26; 100% to gucs
- Student loans to be treated outside.
- Within 7 days must file Pre-confirmation certification.
- Within 7 days must file fee app.

1. Trustee obj to the following:
- Excessive expenses on Sched J: $2,711 Rent (need copy of lease)
$375 for one dog and $200.72 student loans (need proof these are being paid)
Need proof of expenses 10 days prior to confirmation. All are allowed as long as plan remains 100%.
- Verified income leaves monthly disposable income of $1,815.36, tax refund not listed on Schedule I.
- Must file fee app within 7 days from confirming order.
- Must file Pre-confirmation certification.

Prop Plan $500 x 60 begin 7/1/26; 100%
Email InquiryMatter ResolvedRequest
Adjournment
1669/16/2026 10:00 am26-16593 / CMGThomas G. Egner, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 3 required payments   Arrears: $1,861.00
As of 9/10/26 (DS): 1. Debtors in arrears $1,861.01, made 1 out of 3 payments, last payment made was 8/3/26, no payment made for Sept.

2. BELOW ISSUES NOT RESOLVED.

8/5/26 (DS): 1. No Trustee payments made, Debtor in arrears $933, made 0 out of 1 payments soon 2. 1 PAYMENT MADE 8/3/26 $937.99

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

Prop Plan $933 x 60 begin 7/1/26; Base
Note: No longer non-exempt equity in the residence, mtg claims filed higher. Updated homeowner insurance and PNC PNC Bank acct provided and ok.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16622 / CMGSteven J. Abelson, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 9/9/26(mk):


1. Objection filed by PennyMac (Powers Kirn) - failure to cure arrears of $1,795.16. (Per POC). Plan proposes to pay $0. (UNRESOLVED)

2. Trustee's objection:
- home insurance on 660 clifton has expired
- The debtor has undertaken an improper use of exemption. Specifically: Taking both State and Federal exemptions(38USC section 5301(a). (AMENDED C NOT FILED)
- EVEN EXCLUDING THE VA DISABILITY AND PENSION THERE AND ALLOWING ALL EXPENSES THERE IS 2,931 IN DISPOSABLE INCOME PER MONTH AND THIS PLAN ONLY PROPOESES 500 PER MONTH
- Proof of pension income - from spouse, only receive VA income and that verifies $2,277. (PROOF OF PENSION NOT RECEIVED)
- Business forms: from Coaching that Counts, LLC. (NOT RECEIVED)
- Statements from Chase Bank acct#7026 and BCB Bankcorp Computershare from 4/8/26-6/8/26 (NOT RECEIVED)
- Debtor's 401(k) loan balance statement prior to filing date. (NOT RECEIVED)
- Amendments to Schedules A/B and C to add Bluevine Bank acct#5714 has $6,164. (NOT AMENDED)
- The debtor has undertaken an improper use of exemption. Specifically: Taking both State and Federal exemptions. (AMENDED C NOT FILED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $3,548 when determining disposable income. (AVERAGED/ADDED TO INCOME)
-need pre conf cert

- Must provide Profit & Loss income from Debtor from from March - May 2026 and remove rent expense, since business is run out of home. (NOT RECEIVED OR AMENDED)

- Debtor to add timeshare interest to schedules B & C (NOT AMENDED)

Plan proposes: $500 x 60 beginning 7/1/2026, base
Payments: 3/3

-----RESOLVED------------
- A copy of the homeowner's insurance renewal declaration - for rental property, expired 8/11/26. (RECEIVED)
- Business profit & loss statements (RECEIVED)
A copy of the homeowner's insurance renewal declaration - for rental property, expired 8/11/26. (RECEIVED)
- The debtor's Plan proposes an order of distribution that is contrary to the Trustee's re
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16640 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 3 required payments   Arrears: $780.00
AS OF 9/11/26 (SF)

RECOMMEND $780 X 2 (BEGIN 7/1/26); $956 X 46 (BEGIN 9/1/26) 100% PLAN
- OK TO PAY ARREARS CLAIM 1-1 TO ACAR LEASING
- STUDENT LOANS TO BE PAID OUTSIDE PLAN



Trustee objection:

- Verified income leaves monthly disposable income of $2,998.96. (RECOMMEND 48 MONTH PLAN)

- The current Plan does not specify treatment of GM Financial's secured arrears claim under the Plan.

- Student loans will be paid outside of the plan.



Plan proposes $780 x 60 100% Plan
Payments: 2/3 Arrears: $780

RESOLVED:
7/9/16:mk: atty says POC #1 is car lease and will pay arrears thru plan- it is assumed in part 6 of plan
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
Email InquiryMatter ResolvedRequest
Adjournment
1709/16/2026 10:00 am26-16692 / CMGErik Frins, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 1 of 3 required payments   Arrears: $1,588.00
AS OF 9/11/2026 (at):

DEBTOR HAS MADE ONE OF THREE TRUSTEE PAYMENTS.

1. Objection filed by Ally Capital (Stewart Legal) - failure to pay full claim of $13,775.67. Plan proposes to pay $13,260. (RESOLVED - CREDITOR TO BE PAID $17,057.50)

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

Plan proposes: $995.21 x 36 beginning 7/1/2026, base
Payments: 1/3, arrears $1,587.63
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16786 / CMGEvan N. Pickus, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 3 of 3 required payments   Arrears: $0
UPDATED 9/8/2026 (JMA)
issues as of 9/3/2026 (JMA)

1) Capital One Auto Finance (Stewart Legal) objection to confirmation - NEED TO RESOLVE - PROVIDED STATEMENT SHOWING TOTAL OUTSTANDING BALANCE AS OF 8/5/2026 AT $29,778.62
- Creditor filed claim 2-1 in the amount of $36,496.83.
- The Debtor's Plan includes a claim amount of $38,455 to be paid at an interest rete of 0%.
- Creditor objects to the proposed interest rate of 0% because the current US Prime Rate is 6.75% and, therefore, pursuant to the Supreme Court's interest in the rate formula promulgated in Till vs. SCS Credit Court, an appropriate rate of interest is 9/75%. 541 US 465 (2004)
- Debtors shall timely pay the monthly post-petition mortgage payment amount in the amount of $4,786.90 direct to creditor. Said amount is subject to changes in accordance with the terms of the note and mortgage
3) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification. NOT FILED TO DATE
- Amendments to Schedules Sched B to correct year of Toyota Highlander to 2023, per auto insurance and provide valuation on vehicle.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: 22C has excessive expenses on Line 22 additional health care expense $183 and Line 29.
- Education for children under 18 $214.58 (Sched J does not give age of dependent and expense is not on Sched J).
- Home maintenance $300; Electric/heat/gas $686; Food $1,500; Medical $435; Health insurance $250 and 2 excessive car payments $791 (verifies $791.78 per POC) and $667.34 (verifies $664.13, per POC filed)(verifies $664.13, per POC filed). Must provide proof of expenses or bills 10 days prior to confirmation
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the fol
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16949 / CMGPRO SEConfirmation Hearing ScheduledContinued
10/7/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $150.00
as of 9/9/26(mk):



1. Objection by Wilmington Sav(McCalla- L. Eggerman)
Borrower on mtg note is debtor's mother and is deceased and no surviving borrower under the terms of Reverse Mtg. full mtg is due. Total debt POC was filed
there are ongoing property taxes to be paid and plan proposes a refi in a year

2. Trustee Objection:
Need copy of mother's Will and estate accounting
there is excess disposable income and due to equity in real property
the plan has to be 100%. Total unsecured claims are $15,850.32
- need 2025 tax return

Plan:$150 X 36; REFI 6/2027; 100%
2/3 payments

----------------------------Resolved------------------
- must file pre conf cert. Filed
There is estimated non-exempt equity of 240,432 in real estate-language added
Nonexempt proceeds from refinance to be turned over to trustee- language added


Plan:$150 X 36; REFI 6/2027; 100%
2/3 payments
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-16989 / CMGAndrew M. Carroll, Esq.Confirmation Hearing on Modified PlanIncomplete Docs - Needs Resolution of IssuesDebtor has made 5 of 3 required payments   Arrears: $0
As of 9/10/26 (DS): 1. Trustee obj to the following:
- Must amend Petition #2 add all other names Debtor has used such as Jarrod De Mond Philpt, Jarrod D. Philpot, Jarrod Philpot Sr, amend Schedule B and C to add Cash App acct with $250 in acct or balance as of June and amend Schedule I to add non filing spouse.
- Must provide 60 days of spouse recent proof of income.
- There is non-exempt equity in the residence $153,279. Plan is 100%.
- Disposable income verifies $1,584. Plan propose 100%.
- Add to confirming order Trustee standard order of distribution.

Prop Plan $685 x 48 begin 7/1/26; 100%
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17033 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 3 required payments   Arrears: $1,900.00
AS OF 9/10/26 (SF)


RECOMMEND $4,100 PTD; $3,344 X 58 (BEGIN 9/1/26) 100% PLAN
- CONFIRM WITH TFS AUTO PAY


1. Objection filed by Deutsche Bank (Joshua Goldman) - failure to pay arrears of $133,866.90 (RESOLVED VIA ORDER) No claim filed yet. The amount in the order is an estimated amount


Plan proposes $2000 x 12; $2700 x 48 100% Plan
Payments: 2 of 3 Arrears: $1900





RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Need a copy of the homeowner's insurance renewal declaration (RECEIVED)

PLAN IS NOT FEASIBLE. CLAIMS ARE HIGHER. DISPOSABLE INCOME DOES NOT SUPPORT HIGHER PAYMENT. NEED EWAGE
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17133 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 3 required payments   Arrears: $1,444.00
As of 9/10/26 (DS): 1. Debtor in arrears $1,444, made 1 out of 3 payments. At last hearing made 1 payment 8/4/26 $722 has not made any payments since.

2. Service to Driveway Fin was improperly served, fails to serve to the ATTN: MANAGING AGENT. WILL NEED TO SERVICE AGAIN AND SERVE TO JEFFERSON CAPITAL SYSTEM, LLC PO BOX 7999 ADDRESS ON POC AND SERVE TO ATTN: MANAGING AGENT.

As of 8/21/26 (DS): Debtor atty requested adj to pass bar date.

8/26/26 (DS): 1. Debtor failed to make July payment, only made August payment.

2. Trustee obj to the following:
- That disposable income verifies $3,341. TOTAL GUCS FILED $28,683.60.
- Tax refund was not included on Sched I, which is now part of disposable income.
- Need service to Toyota since cramming the interest rate.

Prop Plan $722 x 60 begin 7/1/26; 0%
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17170 / CMGTamika N. Wyche, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 4 of 3 required payments   Arrears: $0
AS OF 9/11/2026 (at):

RECOMMEND: $1,463 PAID TO DATE, $1,359 x 57 BEGINNING 10/1/2026, 100% PLAN
- Non exempt proceeds from class action law suit are to be turned over to the trustee.
- Preserve non exempt equity of $39,501 in real estate.
- Preserve non exempt equity of $9,478 in personal property.

Trustee's objection:
- 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 $39,501 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $9,478 in non exempt equity in the personal property. (LANGUAGE ADDED)
- Non exempt proceeds from class action law suit are to be turned over to the trustee. (LANGUAGE ADDED)

Plan proposes: $730 x 60 beginning 7/1/2026, 100% plan
Payments: 2/3, arrears $726.01
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17214 / CMGBarry Scott Miller, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Hearing HeldDebtor has made 0 of 3 required payments   Arrears: $7,041.00
issues as of 9/4/2026 (JMA)

1) 341 not held, not rescheduled.
2) IRS priority claim estimated for 2022 to 2025 tax returns
3) Citizens Bank NA (McCabe Weisberg and Conway) objection to confirmation - NEED TO RESOVLE
- Debtors' Chapter 13 Plan does noy allow for the repayment of arrears in the amount of $1,030.43 as set forth in the Proof of Claim of Citizens Bank NA Claim #12.

proposed plan $2347x60 base
paid in $0
arrears $7,041
last claim 24-1
Email InquiryMatter ResolvedRequest
Adjournment
2039/16/2026 10:00 am26-17286 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 3 required payments   Arrears: $1,100.00
UPDATED 9/11/2026 (JMA)

OK TO CONFIRM AT $2,200 PAID TO DATE, $1,155X57 BEGIN 10/1/2026 BASE PLAN
-Pre-Confirmation Certification to be filed with Court within 10 days of confirmation hearing
- Non-exempt equity from product liability claim and claim against insurance company are to be turned over to the trustee. ADD TO CONFIRMING ORDER


issues as of 9/3/2023 (JMA)

1) NewRez LLC d/b/a Shellpoint Mortgage Servicing (Stewart Legal) objection to confirmation - CLAIM FILED, ARREARS $56,417.87 TO BE PAID THROUGH PLAN
- Order submitted 8/25/2026 resolving objection to pay POC when claim filed.
2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification. TO BE FILED WITH COURT WITHIN 10 DAYS OF CONFIRMATION
- Non-exempt equity from product liability claim and claim against insurance company are to be turned over to the trustee. ADD TO CONFIRMING ORDER

proposed plan $1,100x60 base plan
paid in $2,200
arrears $1,100
last claim 7-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17444 / CMGKirsten B. Ennis, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 3 required payments   Arrears: $0
As of 9/3/26 (DS): 341 sched 10/15/26, no Trustee payments made, Plan does not propose any Trustee payments, which is not acceptable. Trustee will not adjourn confirmation hearing. Must appear to confirmation hearing.

9/2/26 (sf) Adj request denied, no payments
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17447 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
10/7/2026 10:00 am
Debtor has made 2 of 3 required payments   Arrears: $1,400.00
AS OF 9/9/26 (SF)

1. Purchasing Power LLC filed secured claim 23-1 in the amount of $958.20 which is not addressed in plan (OK TO PAY?

2. Debtor has 3 active businesses. Need Business questionnaires and profit and loss statements for all.

3. Need copy of HUD for sale of 270 Webber Ave

4. Trustee objection:

- The debtor has failed to file a feasible plan - that propose a tier plan when car payment $365 ends in month 26.

- Need Balance statements from Debtor's two 401(k) loans and Co-Debtor's two 401(k) loans shown on pay stubs, prior to filing date. (STILL NEED FOR CO-DEBTOR)

(401k loan statement received for Todd. Loan will expire in approximately 21 months and additional $935.40 will be available.)

- Amendments to Schedules A/B and C to add Affinity FCU accts#8891 has $5 and acct#8217 also has $5 and take exemptions on 2019 Honda $1,044 equity.

- 22C fails to add tax refund $11.34 has disposable income $895.73, which would require a min. div. $53,744 to gucs.

- Disposable income verifies $1,997

- The Schedules fail to account for the debtor(s) tax refund in the amount of $636 when determining disposable income.

- Must provide 2 months bank statements from Affinity FCU Business checking acct#7940 and PNC Business Bank checking acct#1649 prior to filing date. (NEED JUNE 2026 STATEMENTS FOR BOTH)

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

-Debtor to provide closing documents for house sale along with certification regarding the disposition of the funds. (Debtor received $125,087.93 on 4/1/25) Need proofs of how funds were spent.


Plan proposes $1400 x 60 Base
Payments: 2/3 Arrears: $1400


RESOLVED:
- The debtor has failed to file the required Pre-Confirmation Certification (FILED)
- Need a copy of the HUD-1 statement for Tindall Avenue property sold 4/2025. (RECEIVED)
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17503 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 3 of 3 required payments   Arrears: $0
AS OF 9/4/2026 (at):

RECOMMEND: $1,278 PAID TO DATE, $821 x 57 BEGINNING 10/1/2026. 100% PLAN
- Need updated income for the debtor once employed.
- Preserve non exempt equity of $159,810 in real estate.
- Need to file Pre-Confirmation Certification within 7 days of confirmation.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for the debtor once employed. (LANGUAGE ADDED)
- 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 $159,810 in non exempt equity in the residence. (LANGUAGE ADDED)

Plan proposes: $639 x 60 beginning 7/1/2026, 100% plan
Payments: 2/3, arrears $639
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17516 / CMGMarc C. Capone, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 3 required payments   Arrears: $1,700.00
issues as of 9/4/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification. NOT FILED TO DATE, TO BE FILED WITHIN 10 DAYS OF CONFIRMATION
- The debtor has failed to supply the Trustee with the following document(s): A copy of the homeowner's insurance renewal declaration not provided. NEED TO PROVIDE CURRENT HOMEOWNERS POLICY.

proposed plan $850x60 minimum $3,336 to gucs
paid in $850
arrears $1,700
last claim 7-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17630 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledRecommend DismissalDebtor has made 0 of 2 required payments   Arrears: $500.00
As of 9/3/26 (DS): 341 sched 9/24/26, no Trustee payments made, Debtor in arrears $500, made 0 out of 2 payments. Will not adjourn confirmation hearing unless Trustee payment is made.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17725 / CMGRoman Akopian, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $211.00
AS OF 9/9/26 (SF)


1. Must request adjournment
2. 341 not held - scheduled for 9/24
3. Payments: 1 OF 3 Arrears: $211.40





Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17726 / CMGJames J. Cerbone, Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 1 of 2 required payments   Arrears: $1,632.00
AS OF 9/11/2026 (at):

RECOMMEND: $1,632 PAID TO DATE, $1,704 X 58 BEGINNING 10/1/2026, 100% PLAN
- Preserve non exempt equity of $470,821 in real estate.

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Domestic Support Obligation information for child support (RECEIVED)

RESOLVED ISSUES:
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- As of now, there is non exempt equity in 2 pieces of real property in the amount of $213,819 and $257,002. Plan is 100%. (LANGUAGE ADDED)

Plan proposes: $1,632 x 60 beginning 8/1/2026, 100% plan
Payments: 1/2, arrears $1,632
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17774 / CMGRobert C. Nisenson, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $400.00
341 not held
No payments
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17783 / CMGPRO SEConfirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $200.00
issues as of 9/11/2026 (JMA) - OBJECTING CREDITOR REDI ROCK OF PENNYLVANIA CONTESTS THE ADJOURNMENT. PARTIES WILL NEED TO APPEAR AT CONFIRMATION HEARING ON 9/16/2026.

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income.
- The Plan proposes non-standard order of distribution.
- The debtor has not filed the required Pre-Confirmation Certification.
- The debtor has failed to file a feasible plan.
- Need to provide 2 month's income.
- Need to provide business profit & loss statements.
- Need to provide Trustee with the 2025 tax return.
- Need to file amendments to schedules.
- The debtor has undertaken an improper use of exemption.
- The debtor has not provided the recording information for the deed to the property.
- The current Plan does not specify treatment of Redi Rock of SE Pennsylvania under the plan.
- Must resolve the State of NJ estimated priority tax claim, 2017 and 2018 and 2023-2026 not filed. Secure claim filed in amount of $861,676.37
- Must resolve creditor objection
- The debtor currently has no disposable income. All future/projected income and no proof that as of this date. Need proof of income from project claims he is starting in October.

proposed plan $100x1 begin 8/1/2026; $200x59 begin 9/1/2026 dollar base $50,000 and loan mod on Summerhill Drive by 12/1/2026.
paid in $100
arrears $200
last claim 14-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17790 / CMGMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledRecommend Confirmation - SUBJECT TO TERMSDebtor has made 2 of 2 required payments   Arrears: $0
As of 9/10/26 (DS): Recommend confirming at confirmation date or adjourning or confirming at $1,699 paid, $957 x 58 begin 10/1/26; 100% with a min. div. $10,981 due to non-exempt equity and Debtor will sign up with TFS within 10 days from confirming order

1. Trustee obj to the following:
- Debtor has insufficient income, disposable income still verifies insufficient after recalculating at $766, plan propose $849. Debtor must sign up for TFS to make her Trustee payments.
- There is non-exempt equity in the residence $10,981. BAR DATE IS 9/15/26 TOTAL GUCS FILED $5,997.36

Prop Plan $849 x 60 begin 8/1/26; 100%
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17792 / CMGJustin M. Gillman, Esq.Confirmation Hearing ScheduledContinued
10/28/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 9/10/26 (SF)

1. The IRS filed an estimated priority claim 9-1 (NEED AMENDED CLAIM)

2. Americredit Financial Services filed arrears claim 6-1 in the amount of $160 which is not addressed in the plan (OK TO PAY?)

3. Trustee objection:

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

- Disposable net income is $1,305.44, need to pay all disposable income into plan.



Plan proposes $1000 x 60 Base
Payments: 2 of 2
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17834 / CMGJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 9/10/2026 (at):

Trustee's objection:
- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- Domestic Support Obligation information Danielle Halm (NOT RECEIVED)
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
- Excessive expenses: Electricity $600/month;
- Form 122C-2 Line 45 monthly disposable income $170.14 which requires minimum $10,208.40

RESOLVED ISSUES:
- A copy of the homeowner's insurance renewal declaration - policy provided expired 7/28/2026, need to provide renewal (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):
- There is $23,895.93 non-exempt equity in house. (LANGUAGE ADDED)
- Student loans outside plan (LANGUAGE ADDED)

Plan proposes: $1,018 x 60 beginning 8/1/2026, base
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17841 / CMGPRO SEConfirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 0 of 2 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17866 / CMGGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledContinued
10/28/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $2,053.00
AS OF 9/11/2026 (at):

1. 341 is scheduled for 10/1/2026. (READY)
2. Payments: 1/2, arrears $2,053
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17879 / CMGKevin C. Fayette, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $200.00
issues as of 9/3/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, PROVIDED
- The debtor must provide updated proof of auto insurance for the auto. The policy provided expires on 4/5/2027.
- IRS estimated claim.

proposed plan $200x42 base plan
paid in $200
arrears $200
last claim 10-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17939 / CMGLee M. Perlman, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 0 of 2 required payments   Arrears: $1,004.00
issues as of 9/11/2026 (JMA)

1) 341 rescheduled for 10/1/2026
2) To date no Trustee plan payments have been made. If payment has been made, need to provide proof so that the adjournment can be processed.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-17974 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $60.00
As of 9/10/26 (DS): 1. Trustee obj to the following:
- Excessive expenses on Sched J: Electricity/Heat/Gas $725, Tele/cell/cable/internet $869, Food/household supplies $1,500, Clothing/laundry $315, Children's education costs $600, Transportation $960 and additional care for chronically sick mother $1,250. Must provide proof of expenses 10 days prior to confirmation.
- Using proof of income provided the overall net income verifies $3,731, not deducting the excessive expenses. Need to pay all disposable income into plan.
- Form 122C-2 Line 45 has disposable income $589.12, also there are excessive expenses on Lines 26 $3,750 (Which does not agree with what is on Sched J $1,250) $2,500 and 33d has Lakehurst FCU $350 which is surrendering 2021 Keystone thru Plan, so $2,500 and $350 should be added to Line 45, as well as Debtors 2025 tax refund $173, total $3,612.12 and agrees with disposable income which would require min. div. $216,727 to gucs or 100%. RECOMMEND WAITING PASS BAR DATE 9/21/26 TOTAL GUCS FILED $106,687.18

2. US Dept of HUD filed claim, not in Plan.

3. IRS filed claim for $674.72, needs to be paid.

Prop Plan $1,255 x 60 begin 8/1/26; Dollar Base $64,533.52
Note: There is no equity US Dept of HUD filed claim $77,757.95 which takes the non-exempt equity. Only need updated homeowner insurance if adjourned after 11/9/26 when insurance expires.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18030 / CMGJeffrey H. Ward, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 1 of 2 required payments   Arrears: $986.00
9/10/26 Adj request denied. Need consent of objecting creditor

AS OF 9/9/26 (SF)

1. Objection filed by PHH Asset Services (RAS) - Plan proposes to cure arrears and pay in full. Contradictory treatment.

2. The attorney disclosure statement is blank. Need schedule amended to show what fees per paid.

3. Trustee objection:

- The debtor has insufficient income. Income verifies $849, after deducting difference in auto insurance. Debtor will need e-Wage.

- The debtor has failed to file a feasible plan - due to not proposing non-exempt equity and income feasibility, also need tier plan when car payment $499 ends in month 26 or less pending claim filed.

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

- Need a Modified Plan that propose to pay the 1st and 2nd mortgage arrears only and removes the mortgages from Part 4b and Part 4g and put on Part 4a.

- Need amendments to Schedules C to take exemptions on Honda and clothing, Honda has $0.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
Auto insurance $377 (verifies $305).

- The Schedules fail to account for the debtor(s) tax refund in the amount of $440 when determining disposable income.

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

- There is non-exempt equity in the residence $58,771.
Must resolve the creditor objection


Plan proposes $986 x 60 Base
Payments: 1 of 2 Arrears: $986



Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18049 / CMGScott M. Wilhelm, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 9/11/2026 (at):

Trustee's objection:
- The debtor has failed to file a feasible plan - that propose a tier plan when Debtor's pension loan $192 ends 8/21/28. (MODIFIED PLAN NOT FILED)
- The debtor has failed to supply the Trustee with the following document(s):
- A Modified Plan that marks off Part 5a unsecured creditors and propose Trustee standard order of distribution. (MODIFIED PLAN NOT FILED)
- Amendments to Schedules Statement of Financial Affairs to add PSECU acct#0001 was closed 5/2026 per docs provided states no further docs could be provided for June and July and add business Woman Rising Travel. (NOT AMENDED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- 22C has disposable income $1,114.84, which would require a min. div. $66,890 to gucs.
- Disposable income verifies $7,422, deduct the social security and VA benefits and disposable income will still verify $1,933.

RESOLVED ISSUES:
- The debtor has failed to file the required Pre-Confirmation Certification. (FILED)
- Statements from TD Bank acct#9237 from 5/18/26-7/15/26 and TD Bank acct#7876 from 6/14/26-7/15/26. (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 non-exempt equity in the residence $14,860, 2021 Toyota $12,545, 2014 Toyota $2,790, Bank acct#4982 $3,809 and pending from accts #9237 and #7876. (LANGUAGE ADDED)
- 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). (LANGUAGE ADDED)

Plan proposes: $1,000 x 60 beginning 8/1/2026, 100% plan
Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18050 / CMGAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 1 of 2 required payments   Arrears: $1,899.00
updated 9/11/2026 (JMA)

ok to confirm at $1,899x60 begin 8/1/2026 base plan

issues as of 9/8/2026 (JMA)

1) 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): Need a statement for the spouse's 401k loan. STATEMENT PROVIDED, REMAINING BALANCE $39,099.01.
- 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 $2,663.31. UPDATED PROOF OF INCOME FOR HUSBAND, INCOME TOTALS $4,310.23.
- 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 $20,422 in non-exempt equity in the residence.
- There is $15,555 in non-exempt equity in the personal property.
-TOTAL NON-EXEMPT EQUITY IS $35,977.
- Veridian Credit Union filed a bifurcated claim which needs to be resolved.


proposed plan $1,899x60 base plan
paid in $1,899
arrears $1,899
last claim 14-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18063 / CMGEric J. Clayman, Esq.Confirmation Hearing ScheduledIncomplete Docs - Needs Resolution of IssuesDebtor has made 0 of 2 required payments   Arrears: $1,900.00
As of 9/10/26 (DS): 1. Trustee obj to the following:
- Must provide valuation for both vehicles.
- Must amend Schedules B and C to add year, make, model and value of 2016 Mercedes Benz CLA both Debtor and spouse are on loan.
- Need a modified plan that includes the IRS claim and arrears owed to Navy FCU for 2016 Mercedes $384.74. Plan does not specify treatment of IRS claim for $2,350.01, simply has for informational purposes only.
- Service to Santander improper, does not serve to the Attn: Managing Agent.
- The claim of Delanco Sewerage was filed as unsecured, not secured and will be paid as unsecured.
- There is non-exempt equity in the residence $30,614, estimated in 2016 Mercedes (pending amended Sched B and C and valuation) and $2,000 in Burial Crypt.
- Must resolve creditor objection.
- Must file Pre-confirmation certification.

2. Freedom Mtg (BROCK & SCOTT) obj arrears owed are $23,361.72, plan has $21,000, no POC filed. Must resolve obj.

Prop Plan $1,000 x 60 begin 8/1/26; Base
Note: Homeowner insurance provided.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18082 / CMGCandyce I. Smith-Sklar, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 9/3/26 (SF)

1. Objection filed by Santander (Craig) - failure to pay claim in full plus 9.5% interest and failure to provide for adequate protection payments




Plan proposes $867.04 x 60 Base
Payments: 2/2

RESOLVED:

. Trustee objection:
- auto insurance expires on 9/3/26. Need proof of current insurance (RECEIVED)


Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18142 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledRecommend Dismissal - No 341 Meeting HeldDebtor has made 2 of 2 required payments   Arrears: $0
As of 9/3/26 (DS): 341 not held 9/3/26, still missing 2025 tax return
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18161 / CMGCarlos D. Martinez, Esq.Confirmation Hearing ScheduledContinued
10/28/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
AS OF 9/11/2026 (at):

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

1. 341 is scheduled for 10/1/2026. (READY)
2. Payments: 2/2
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18165 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
10/7/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $1,500.00
issues as of 9/11/2026 (JMA) ok to adjourn
issues as of 9/3/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's calculations are higher for the following reason(s): - Verified income leaves monthly disposable income of $3,415.70.
2) There are 4 per plan claims without filed claims - the Claims Bar Date expires 9/25/2026

proposed plan $1,000x1, $1,500x1 begin 9/1/2026, $2,500x58 begin 10/1/2026 base plan
paid in $1,000
arrears $1,500
last claim 6-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The debtor must provide proof of auto insurance for the two 2025 Kias. RESOLVED, PROVIDED
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18361 / CMGRobert Cameron Legg, Esq.Confirmation Hearing ScheduledNeeds Resolution of Issues - ObjectionsDebtor has made 0 of 2 required payments   Arrears: $606.00
updated 9/11/2026 (JMA)
issues as of 9/3/2026 (JMA)

1) To date debtor has not made payment to Trustee, arrears $606.
2) The Atlantic Federal Credit Union (McKenna Dupont) objection to confirmation - NEED TO RESOLVE
- A proof of claim was filed (claim 1-1) on behalf of the creditor outlining a secured vehicle account with a balance due of $30,447.92 with repetition arrears of $7,582.45.
- The Chapter 13 Plan filed outlines a cram-down of the vehicle lien to $5,000. Debtor has failed to provide proof of value to support the cram. Creditor requests that the proof of claim arrears be paid over the life of the plan.
- Debtors plan is not in good faith.
3) Freedom Mortgage Corporation (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- Creditor holds a security interest in the Debtor's residential property, by virtue of a Mortgage.
- Although Creditor has not yet filed its Proof of Claim, it is anticipated that the claim will include pre-petition arrearage totaling $4,083.27 whereas the plan proposes to pay only $0.00.
4) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has failed to supply the Trustee with the following document(s): A current market analysis with comparatives sold within 6 months of filing if Plan is amended to remove the Sale Plan.
- Domestic Support Obligation information - Need a statement (June/July) for the credit union account. $350 per paycheck goes into
that account.
- Amendments to Schedules I to list worker's compensation income.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as: $402/month for life insurance; $975/month car payment;
$222/month for alimony/support (this is deducted from his paycheck). Need proof of expenses 10 days prior to confirmation.
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The Trustee's ca
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18368 / CMGJohn Zimnis, Esq.Confirmation Hearing ScheduledContinued
10/28/2026 10:00 am
Debtor has made 1 of 2 required payments   Arrears: $2,300.00
Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18426 / CMGRoger J. Yehl, Esq.Confirmation Hearing ScheduledRecommend Confirmation - HONOR ROLLDebtor has made 2 of 2 required payments   Arrears: $0
as of 9/4/2026 (JMA)

ok to confirm at $200x36 begin 10/1/2026 base plan

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. DEBTOR USING EPAY FOR TRUSTEE PLAN PAYMENTS
- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The debtor must provide proof of auto insurance for the 2014 Honda and 2020 Nissan. RESOLVED, RENEWAL PROVIDED EXPIRATION DATE 4/27/2027

proposed plan $200x36 base plan
paid in $400
last claim 6-1
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 10:00 am26-18660 / CMGJoseph Albanese, Esq.Confirmation Hearing ScheduledContinued
11/18/2026 10:00 am
Debtor has made 2 of 2 required payments   Arrears: $0
as of 9/6/2026 debtor is now current with Trustee plan payments. - atty may request adjournment of confirmation to allow 341 to be held on 9/24/2026

8/10/26 (sf) Adj request denied. No payments.
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm23-11025 / CMGCharles D. Whelan, III, Esq.Motion CompensationRecommend Grantingmk filed amended cert - Now OK


Mk TR limited Objection - atty used and outdated form of certification for fees.

fees paid outside at closing
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm24-16290 / CMGBruce C. Truesdale, Esq.Motion CompensationRecommend Grantingmk Amended cert provided- now ok



Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm25-13041 / CMGAllen I. Gorski, Esq.Motion CompensationRevised Order Submittedrevised order submitted 8/31 for fees outside

MK case completed at 100% - fees need to be paid outside the plan
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm25-18853 / CMGCarlos D. Martinez, Esq.Motion CompensationRecommend Granting
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm25-22489 / CMGJoan Sirkis Warren, Esq.Motion CompensationRecommend GrantingCH 7 TRUSTEE
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm26-12481 / CMGKarina Pia Lucid, Esq.Motion CompensationOrder to be Submittedcase was dismissed before confirmation

3 creditors filed POCs- IRS for 309.44 and 2 unsecured creditors
debtor was on unemployment at filing- negative disposable income
LL never filed a POC for prepetition arrears but did file an MFR


total fees 5963.50 atty re'c 2,500 outside plan so total fees left to be paid should be 3463.50 of which TR FOH are 1,389 thru plan and balance of 2,074.50 outside the plan.

plan: $300 X 6; $740 X 30; BASE
LL filed a Motion for relief and that was granted
case filed March 2026 -341 held 5/21 MFR by LL on 6/24- and adj to 7/15 and granted Conf 8/6- dismiss/hold fees
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm26-12929 / CMGAndy Winchell, Esq.Motion CompensationRecommend Granting
Email InquiryMatter ResolvedRequest
Adjournment
09/16/2026 12:00 pm26-15525 / CMGJustin M. Gillman, Esq.Motion CompensationRecommend Granting
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes