ALBERT RUSSO
Standing Chapter 13 Trustee


CALENDAR DISPOSITION LIST


Judge Michael B. Kaplan

Hearing Date: 10/21/2026
Last Updated: 9/11/2026 6:51 PM
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Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am19-26125 / MBKMarc C. Capone, Esq.Motion to Cancel Discharge3rd Party MatterMTN TO CANCEL DISCHARGE/MANASQUAN SVG BANK
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am23-13854 / MBKLee M. Perlman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am24-10552 / MBKDonald C. Goins, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
1810/21/2026 9:00 am24-21222 / MBKJoseph Casello, Esq.Motion Relief from Stay (Fee)3rd Party MatterFREEDOM MTG (BROCK)
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am24-21464 / MBKJustin M. Gillman, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am25-10037 / MBKRobert Cameron Legg, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
2710/21/2026 9:00 am25-11515 / MBKRhonda E. Greenblatt, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsAMT: LOSS MIT EXT TO 7/15, BUT PLAN ARREARS- $4502<>

Debtor obj, made pymts<>FAILED TO LM BY 1/15/26; ARREARS
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am25-12714 / MBKWilliam S. Wolfson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am25-13615 / MBKCandyce I. Smith-Sklar, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
2110/21/2026 9:00 am25-14602 / MBKJoan Sirkis Warren, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledAMT: MP 10/21>

FAILED TO COMPLY WITH PROVISION OF CONF TO TURN OVER LUMP SUM BY 5/31/26 TO PAY PLAN IN FULL
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am25-16830 / MBKSteven J. Abelson, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am25-17631 / MBKJoseph Casello, Esq.Motion Relief from Co-Debtor Stay3rd Party MatterDebtor obj, arrears pif<>WELLS FARGO BANK (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
4310/21/2026 9:00 am25-19542 / MBKJonathan Goldsmith Cohen, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNeeds Resolution of Issues - ObjectionsMBK ADJ FOR LOAN MOD OR DISMISS
AR NOTE PER ATTY CLIENT LOST JOB AND DID NOT APPLY YET

Debtor obj<>FAILED TO LM BY 6/15/26; ATTY FAILED TO FILE FEE APP WITHIN 7 DAYS OF 3/4/26 CONF
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am25-19706 / MBKMitchell Lee Chambers, Jr., Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
5910/21/2026 9:00 am25-22058 / MBKThomas G. Egner, Esq.Creditor Certification of Default3rd Party MatterAMT: TRUSTEE CONDUIT REQUEST<>

Debtor obj<> US BANK (Gross Polowy)
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am25-23092 / MBKMelinda D. Middlebrooks, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
5510/21/2026 9:00 am25-23257 / MBKDavid G. Beslow, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyNo Opposition FiledAMT: MP 10/21<<>>

Debtor obj<>PLAN WAS DENIED ON 5/35/26 AND FAILED TO FILE MP IN 14 DAYS; SV/HUNTINGTON NATL BANK
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am26-10078 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am26-10078 / MBKDaniel E. Straffi, Esq.Motion Relief from Stay (Fee)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am26-10078 / MBKDaniel E. Straffi, Esq.Motion Relief from Co-Debtor Stay3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am26-10567 / MBKDaniel E. Straffi, Esq.Motion Trustee Motion to Dismiss/Wage Order (Camden/Trenton) - Chapter 13 OnlyPending Workup
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am26-11894 / MBKJohn D. DiCiurcio, Esq.Motion Vacate Dismissal of Case (DO NOT USE EVENT IF CASE IS CLOSED)3rd Party Matter
Email InquiryMatter ResolvedRequest
Adjournment
6310/21/2026 9:00 am26-13705 / MBKRobert C. Nisenson, Esq.Motion Relief from Stay (Fee)3rd Party MatterAR NOTES PER 7-29 HEARING DEBTOR AGREED TO BE CURRET POST PET LENDER BY 9-9 - AND DEBTOR TO BE EMPLOYED , NOT CURRENT ABD SUBMITTED EMPLOYMENT LETTER

Debtor obj<>SELENE FINC (KNUCKLES)
Email InquiryMatter ResolvedRequest
Adjournment
8210/21/2026 9:00 am26-13844 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object To3rd Party MatterCitizens response (Padgett); debtor response<>MTN FIX CLM 15 CITIZENS BANK

Email InquiryMatter ResolvedRequest
Adjournment
6610/21/2026 9:00 am26-13844 / MBKEdward Hanratty, Esq.Motion Expunge Claims/Reduce Claims/Modify Claims/Object To3rd Party MatterMTN EXPUNGE CLM 15 but the claim is claim 2 not 15 for Five Star Bank. Needs new motion EDC
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am26-14558 / MBKMarc C. Capone, Esq.Motion Relief from Stay (Fee)3rd Party MatterDebtor obj, making pymt<>ONITY MTG (LOGS)
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 9:00 am26-15958 / MBKCandyce I. Smith-Sklar, Esq.Motion Approval to Participate in the Court's Loss Mitigation Program3rd Party MatterLOSS MIT/
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am22-17229 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 42 of 48 required payments   Arrears: $250.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am25-11515 / MBKRhonda E. Greenblatt, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 17 of 19 required payments   Arrears: $5,418.00
Email InquiryMatter ResolvedRequest
Adjournment
7810/21/2026 10:00 am25-11515 / MBKRhonda E. Greenblatt, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 17 of 19 required payments   Arrears: $5,418.00
NFA-LOSS MIT PACKAGE BY 9/21 WITH VERIFICATION AS COMPLETE BY OCT 31 AND UPDATED PAYSTUBS AS OF 8/13/26 (SF)

Attorney has other matters in Camden at 10. May be late. Please recall.

1. Modified plan proposes to reduce trustee payment. Need amended I and J and updated proof of income.

2. Order of Compensation dated 7/29/26 improperly reduced debtor's trustee payment

3. Loss Mit order expired on 7/15/26. What is the status of the Loan Mod?

4. Modified plan proposes to add trustee arrears. Cannot add Trustee arrears to the plan unless paying 100% to gucs

5. Borough of Tuckerton did not file a claim and was stricken from previous plan

6. Trustee motion to dismiss scheduled for 8/19 at 9



MP proposes $5,091.97 PTD; $300 X 12; $514.36 x 32 Base Plan, Loan mod by 7/15/26
Plan has run 18 months with 42 months remaining
Arrears: $5193

Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am25-14484 / MBKPaul Evangelista Confirmation Hearing on Modified PlanPending WorkupDebtor has made 9 of 17 required payments   Arrears: $5,600.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am25-14602 / MBKJoan Sirkis Warren, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 16 required payments   Arrears: $16,125.00
Email InquiryMatter ResolvedRequest
Adjournment
9210/21/2026 10:00 am25-21894 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 10 required payments   Arrears: $1,506.00
9/9/26 (sf) - There is an issue with One Main Financial. The plan proposes to cram but they filed an unsecured claim for 2013 Toyota. The plan proposes to pay $1852.50 as secured. (Must resolve)----(ok to strike/remove 2013 toyota secured amount)


tfs auto pay --can confirm and capitalize payments

8/31 workup EDC NFA
-same as last time several times
2 payments arrears

1. Objection filed by Pennsylvania State Employees Credit Union (Weltman Weinberg) - objecting to the cram value of $9,000 in the plan. Creditor values the vehicle at $19,175. (withdrawn)
2. Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- proof of Domestic Support Obligation information for child support (RECEIVED)

----------------------------
RESOLVED ISSUES:
- 2 months statements from CoinBase acct prior to filing date and TD Bank chkg acct statement from 10/8/25-11/7/25. (RECEIVED TD BANK STATEMENT)
- NJ file estimated tax claim 2023. (RESOLVED)
- The debtor must provide updated proof of auto insurance for the vehicles. The policy provided has expired. (RECEIVED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s). (CERT OF SERVICE FILED)
- Must service OneMain listed in motion of plan. (CERT OF SERVICE FILED)
- Must resolve creditor objection (LISTED ABOVE)

Plan proposes: $502 x 60 beginning 12/1/2025, $0 to unsecured creditors
Payments: 3/4, arrears $502
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am25-22802 / MBKRobert Cameron Legg, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 9 required payments   Arrears: $1,707.00
Email InquiryMatter ResolvedRequest
Adjournment
8710/21/2026 10:00 am25-23257 / MBKDavid G. Beslow, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 9 of 9 required payments   Arrears: $0
8/28 AMT: INTERIM SCH ORDER TO CHABMERS FOR FILING/7 DAY<>

ar resolve or hold
AS OF 8/14/2026 (at):

1. Objection filed by Huntington Bank (Maselli Mills) - SBA loan for $640,700 secured by residence. (MODIFIED PLAN SURRENDERS THE RESIDENCE)

2. Late secured claim filed by Lisa Carson in the amount of $31,887.04. Is the debtor going to pay this claim?

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):
- Business profit & loss statements (NOT RECEIVED)
- Business forms:
- for Cabarcas Corp (NOT RECEIVED)
- A copy of the last filed tax return - 2025 by 5/31/2026 (NOT RECEIVED)
- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I & J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
- Excessive expenses on Schedule J $575/telephone, cell, internet; $900/childcare and education; $4,000 proposed adequate protection 2nd mortgage. Need to provide supporting
documentation of each expense within 10 days of confirmation hearing, (MODIFIED PLAN SURRENDERS THE RESIDENCE - NEED AMENDED SCHEDULE J)

RESOLVED ISSUES:
- Amendments to Schedules A/B to provide current value of residential property (MODIFIED PLAN SURRENDERS PROPERTY)
- The debtor has insufficient income. (CURRENT)
- A copy of the homeowner's insurance renewal declaration (RECEIVED)
- A Modified Plan that removes the 2nd attached plan (MODIFIED PLAN FILED)
- Need letter that was sent out to creditors advising that Express IT, LLC business was closing in October 2024. (RECEIVED)

Modified plan before confirmation proposes: $400 x 36 beginning 1/1/2026, base
Payments: 8/8
Email InquiryMatter ResolvedRequest
Adjournment
9610/21/2026 10:00 am25-23498 / MBKDaniel E. Straffi, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 8 of 9 required payments   Arrears: $500.00
8/31 workup EDC

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

* Bar date has passed, no claim filed by IRS. Cannot pay unless claim.

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

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

Prop Plan $500 x 60 begin 1/1/26; Base
Note: 2024 Tax Return provided 4/30/26. Expense for transportation $650 is fine. Updated auto insurance, homeowner insurance and copy of letter terminating CS provided.

------------------
resolved

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

* Freedom Mtg filed arrears claim for $134.92. Needs to be paid.
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-11134 / MBKJoseph Albanese, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 8 of 8 required payments   Arrears: $0
7/27 workup EDC

mp filed with I & J, per 22C there is lots of disposable income. No amended 22C filed and no updated POI

** Trustee obj to the following:
- Must provide Feb and March income for Debtor and for the boyfriend in order to work up the disposable income and expenses for the household and his 2025 tax return.

- Case is above median and we should be looking at 22C, deduct Line 30 additional food/clothing $63, deduct Line 43 for may misc. expenses that are in obj for maintenance (pool care, HVAC and roof care $424, meds $60 Part of Line 7c and Misc bday, emergencies etc. $321 are part of Lines 6 and 8. Line 45 has $922.60 and would be total disposable income $1,790.60 and require a min. div. $107,436 to gucs. Total gucs filed $93,264.58. There is a PNC claim#13-1 $25,681.82 on both cases. Total unsecured on both cases would be $133,369.56.

- Excessive expenses on Sched J: Misc. Emergencies/Birthdays/Holidays $270, Average Allergy Medicine for Daughter & debtor$60

- There is non-exempt equity in the residence $22,698.

3. Plan has attorney fees owed $2,375 and the attorney disclosure has $1,625 balance owed will not be paid through the plan. None of this make sense amounts are not the same, either the plan or attorney disclosure must be amended.

4. Pennymac filed arrears claim for $1,065.66. Same in the other case. Who is to pay this claim?

Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-11134 / MBKJoseph Albanese, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 8 of 8 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
10110/21/2026 10:00 am26-11979 / MBKMarc C. Capone, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 6 of 7 required payments   Arrears: $400.00
IRS AND NJ RESOLVED OR D

9/2 workup EDC

--2020-2021 IRS estimated
--2022 and 2025 NJ estimated

1) Trustee objection to confirmation -
- The debtor has failed to file the required Pre-Confirmation Certification.
---- Domestic Support Obligation information Deborah Binetti
- Need to provide Trustee with January and February 2026 statements for acct #4699
- There is $75,327.26 non-exempt equity in house.
2) Certification for licensed real estate agent.

proposed plan $500x60 sale by 12/2026 base plan
paid in $2,600
last claim 12-1
----------------------
resolved
- A copy of the last filed tax return 2025 return by 5/31/2026
Email InquiryMatter ResolvedRequest
Adjournment
12710/21/2026 10:00 am26-12841 / MBKEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 7 of 6 required payments   Arrears: $0
8/13 workup EDC
SAME ISSUES AS LAST TIME

* OBJ BY CAPITAL ONE AUTO-PLAN DOES NOT INCLUDE THEIR $5669.39 CLAIM COTBS TO PAY CLAIM OUTSIDE OF PLAN EDC

* OBJ BY LOAN DEPOT(MCDONOUGH)-ARREARS ARE HIGHER AT $71,179.54

* trustee objection:
-- The debtor has failed to file the required Pre-Confirmation Certification .
-- The debtor has failed to supply the Trustee with the following document(s):
-- Need March statement for the Cash App stock account.
- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$780/month for utilities
$1,200/month for non filing spouse child support payments (need order)
Need proof of expenses 10 days prior to confirmation.
-- The debtor(s) is not paying all disposable income into the plan pursuant to either Schedules I &
J or Form 22C based upon the Trustee's review of the income and tax returns provided. The
Trustee's calculations are higher for the following reason(s):
-- Verified income leaves monthly disposable income of $3,942.
-- The Schedules fail to account for the debtor(s) tax refund in the amount of $2,246 when
determining disposable income.
- The current Plan does not specify treatment of Chase's secured arrears claim. under the Plan.
-- - There is $96,996 non-exempt equity in the residence. (100% PLAN)
-- There is $6,299 non-exempt equity in the bank accounts.
-- 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).
-- Need a statement for the debtor's 401k loan.

$2170 X 60; 100%
Email InquiryMatter ResolvedRequest
Adjournment
10710/21/2026 10:00 am26-13317 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $683.00
9/1 workup EDC

*motion to expunge on for 9/9 will resolve this---PLAN IS NOT FEASIBLE. RESURGENT CAPITAL FILED A SECURED CLAIM IN THE AMOUNT OF $40,432.62. DEBTOR HAS INSUFFICIENT INCOME.

Trustee's objection:
- need change of address from for debtor (RECEIVED)
- estimated tax claims by IRS for 2024 ( STILL ESTIMATED)

Plan proposes: $683 x 60 beginning 4/1/2026, 100% plan
Payments: 3/4, arrears $683
Email InquiryMatter ResolvedRequest
Adjournment
10810/21/2026 10:00 am26-13488 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 6 of 6 required payments   Arrears: $0
9/2 workup EDC

1) NJ Division of Taxation (claim 21-1P) estimated for 2025 taxes. Need amended claim. CLAIM STILL ESTIMATED

2) NJ Division of Taxation (claim 21-1U) estimated for 2020 - 2021 taxes. Need amended claim. CLAIM STILL ESTIMATED


proposed plan $750x36 base plan

------------------
resolved

4) Trustee objection to confirmation - RESOLVED
- The debtor has insufficient income. Debtor must sign up for e-wage within 7 days of confirmation. PAYMENTS MADE VIA TFS, CURRENT WITH PAYMENTS
- The Debtor has not filed the required Pre-Confirmation Certification. RESOLVED, FILED
- Need a copy of homeowner's insurance renewal declaration. Document provided expired 5/14/2026. RESOLVED, PROVIDED RENEWAL GOOD THROUGH 5/14/2027
- Need to provide a copy of the last filed tax return - 2025. RESOLVED, PROVIDED
3) Rivers Edge at Delanco (Thomas J. Orr) objection to confirmation - PER STATUS CHANGE FORM OBJECTION WITHDRAWN, DEBTOR WILL PAY THE PROOF OF CLAIM AS FILED
- The plan lists an incorrect amount due. The plan does not include legal fees and interest over the life of the plan
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-13562 / MBKJoseph Albanese, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 6 required payments   Arrears: $146.00
issues as of 6/11/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. Disposable income verifies -$396, spouse social security verified $744, not $1,146 and tax refund is less.
- The debtor has failed to file the required Pre-Confirmation Certification. - RESOLVED, FILED
- The debtor has undertaken an improper use of exemption. Specifically: Schedule C over exempts on D(5).
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C.  1325(a)(4): There is non-exempt equity in the residence $7,071 and 2006 Mercedes $115.

proposed plan $146x40 base plan
paid in $292
arrears $146
last claim 7-1
Email InquiryMatter ResolvedRequest
Adjournment
11010/21/2026 10:00 am26-13705 / MBKRobert C. Nisenson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $1,900.00
AR NOTE REC DISMISSAL , NOT CURRENT WITH LENDER
SEE ALSO MOTION TO EXT NOTE IF DISMISSED 1 TY BAR ( 4TH CASE 3 PRIOR DISMISSALS )
8/31 workup EDC
** FOR 9/9 TO BE CURRENT WITH TRUSTEE AND WITH LENDER AUG AND SEPT AND TRUSTEE AND HAVE A JOB OR D--GOT JOB BUT NOT CURRENT WITH LENDER OR TRUSTEE PER AGREEMENT

AR 4-20-26 PER MBK AT MOTION TO EXT NEEDS CONDUIT IF NOT CONF 1 YR BAR

ISSUES AS OF 7/22/2026 (jma)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income.
- The debtor has failed to supply the Trustee with the following document(s): Proof of 2 month's income for new job or proof of unemployment income.
- Need March and April statements for Wells Fargo account listed on Schedule B or evidence that it was closed.
- 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 $1,799 in non-exempt equity in the personal property.
- There is $68,425 in non-exempt equity in the personal injury lawsuit.
- Non-exempt equity from personal injury claim are to be turned over to the trustee.

proposed plan $2,200x60 100% plan
paid in $4,400
arrears $2,200
last claim 7-1
Email InquiryMatter ResolvedRequest
Adjournment
15110/21/2026 10:00 am26-13844 / MBKEdward Hanratty, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $4,000.00
9/3 workup EDC
--SAME ISSUES SINCE MAY

1. Objection filed by US Bank (Robertson Anschutz) - plan proposes to pay full unpaid balance at 0% interest. Creditor wants current interest of 2.75%. (UNRESOLVED)

2. Trustee's objection:

- The debtor has failed to file the required Pre-Confirmation Certification. (NOT FILED)
- Valuation on business assets at approximately $200,000 per 341 testimony based on 2006 purchase price. ( RECEIVED BUT INCOME DOES NOT LINE UP WITH SCH I & J)
- A Modified Plan that adds student loans to be treated outside. (NOT FILED)
- Amendments to Schedules A/B and C to add business assets. (NOT FILED)

- 22C-1 Has excessive expenses for spouse on Line 13 $900 for gas, personal care, gifts and
medical (22C already takes household of 2 expenses and already allows for these expenses).
- 22C-2 Has excessive expenses: Line 12 takes $600 for 2 cars (surrendering 1 car, only has
1 car, auto insurance does not have additional cars for spouse insurance with Debtor listed as
driver), Line 13c takes $185.15 (car is being surrendered) and Line 23 for phone $492.96
- Home maintenance $650, Electricity/gas/heat/oil $694.34, Transportation $900 (1 car), 2nd mortgage $939.09 (Mortgage has matured) and Student loans $390.43 (Plan fails to add student loans outside).

- 22C fails to add tax refund income $1,144.34, plus excessive expenses has disposable income $5,728.16, which would require min. div. $343,690 to gucs.
- Disposable income verifies $6,312.
Both 22c and disposable income agree as to disposable income.

- The current Plan does not specify treatment of Student loans under the Plan.
-
- Plan does not mark off Notice required and fails to propose non-exempt equity. (MODIFIED PLAN NOT FILED)
- The amount of debt in the debtor(s) Plan exceeds the statutory limit for secured or unsecured debt pursuant to 11 U.S.C. ? 109(e).
Per Schedules total unsecured debts $710,833.90.

- The modified plan filed 4/28/26 fails to mark of Notice Required, so creditors
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-13844 / MBKEdward Hanratty, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 4 of 5 required payments   Arrears: $4,000.00
Email InquiryMatter ResolvedRequest
Adjournment
11310/21/2026 10:00 am26-13887 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 5 required payments   Arrears: $6,498.00
9/2 workup EDC

--objection by HUD 3rd mortgage--but claim is 0. HUD can be treated outside of the plan ( ENGEL )

--objection by Onity Mortgage

--IRS has 2022 estimated claim

Trustee objection:
--Need to add workers compensation case to schedules

Plan $3256 x 60 pro rata
Email InquiryMatter ResolvedRequest
Adjournment
11210/21/2026 10:00 am26-14456 / MBKEdward Nathan Vaisman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $420.00
1) 341 not held
2) Trustee payments -$420 arrears NOW CURRENT
Email InquiryMatter ResolvedRequest
Adjournment
11710/21/2026 10:00 am26-14558 / MBKMarc C. Capone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 5 required payments   Arrears: $12,150.00
AS OF 9/2/26 (SF) NOT CURRENT WITH PAYMENTS - ARREARS: $12,150

1. Motion for Relief filed by Onity Mortgage and scheduled for 9/9 at 9 (MUST RESOLVE)

2. Objection filed by Onity Mortgage (RAS) - Plan is not feasible due to insufficient income to pay arrears claim in the amount of $208,146.95

3. Objection filed by Santander Bank (Craig) - does not treat creditor in plan (2020 Mercedes GLS)

4. Trustee objection:

- Need a copy of 2025 Tax Return (STILL NEED)

- Need a valuation for Advisors Solar Group.

- Verified income leaves monthly disposable income of $6,386.03.

- There is $50,000 in non exempt equity in the business. (pending valuation)

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

5. Must file pre-confirmation certification


Plan proposes $1000 x 1; $4050 x 59 Base
Payments: 2/5 Arrears: $12,150

--------------------------
RESOLVED:
- A copy of the homeowner's insurance renewal declaration - Policy expired on 6/15/26. (RECEIVED)
- The debtor must provide proof of auto insurance for the 2008 Lexus and 2015 Mercedes. (RECEIVED)
- The debtor has failed to provide proof of service with respect to Plan Motion(s).
Need proof of service on Affinity Federal Credit Union. (FILED)
Email InquiryMatter ResolvedRequest
Adjournment
11810/21/2026 10:00 am26-14838 / MBKAndre L. Kydala, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 5 required payments   Arrears: $288.00
As of 9/8/26 (DS): Recommend confirming at $1,212 paid, $1,673 x 55 begin 10/1/26 Base and within 7 days must file Pre-confirmation certification - ATTY REQUESTED ADJ REQUEST LATE, MUST APPEAR

1. Trustee obj to the following:
- Must provide bank statements for all Navy FCU for 3/13/26 thru 4/30/26. $1,484 in bank acct as of 4/12/26, Sched B has $100.
- Excessive expenses on Schedule J: $1,200 for food for 1 person; $1,100 for transportation.
- Debtor is above median. Plan should be extended to 60 months.
- Per 22C line 45 disposable income is $3,350 which requires min. div. $201,000 to gucs or 100% Plan. DUE TO DEBTOR EMPLOYED LESS THAN A YEAR FROM 5/31/26, WILL GO WITH VERIFIED DISPOSABLE INCOME, NOT 22C.
- Disposable income verifies $1,942.
- Must file Pre-confirmation certification.

Prop Plan $300 x 36 begin 5/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-14948 / MBKEric J. Clayman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $150.00
As of 8/18/26 (DS): Debtor atty requested adj to allow time to redo debtor budget

As of 8/17/26 (DS): 1.Trustee obj to the following:
Sched J has excessive expenses: Home maintenance $150 (does not own home), Food $650, Transportation $450 and Auto insurance $230 (verifies $208). ATTY EMAILED THAT DEBTOR IS MOVING OUT IN SEPT AND LIVING ON HIS OWN AND WILL NO LONGER HAVE A ROOMATE AND EXPECTS UTILITY EXPENSES TO BE MORE, BUT THERE WAS NEVER ANY MENTION ON SCHED I AS TO A ROOMMATE CONTRIBUTION TO EXPENSES. HE WILL BE REQUESTING AN ADJ TO GO OUT TO OCT TO ALLOW TIME TO AMEND SCHEDS AND PROVIDE PROOF OF EXPENSES AND AMEND SCHED I & J, WE WILL NEED TO REVIEW ALL EXPENSES AND ASK FOR UPDATED PROOF OF INCOME.
- 22C has excessive expenses as well: Line 30 for additional food/clothing $25 and Line 43 adds additional $225 for health care expenses.
Must provide proof of expenses 10 days prior to confirmation.
- Disposable income verifies $1,427. HOW DOES SCHED I & 22C HAVE A BIG DIFFERENCE WITH DISPOSABLE INCOME?

2. Capital One filed bifurcated claim, arrears $2,230.72, secured and unsecured. Trustee to pay arrears and treat the remainder claim outside.

Prop Plan $150 x 12 begin 6/1/26; $700 x 48 begin 6/1/27; Base
Email InquiryMatter ResolvedRequest
Adjournment
15610/21/2026 10:00 am26-15059 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $500.00
issues as of 8/31/2026 (JMA)

1) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income.
- The debtor must provide updated proof of auto insurance for the 2007 Mercedes and 2011 Chevy. The policy provided expires on 9/2/2026 for both cars CONFIRMATION HEARING IS 9/9/2026 - NEED TO PROVIDE UPDATED AUTO INSURANCE POLICY FOR BOTH CARS BEFORE HEARING.
- 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 $17,790 in non-exempt equity in the residence. (100% plan)
- Non-exempt proceeds from life insurance from deceased husband are to be turned over to the trustee.

proposed plan $500x36 with loan mod by 12/2026 100% plan
paid in $1,500
last claim 11-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification. RESOLVED, FILED
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,607.00 when determining disposable income. RESOLVED, INCLUDED IN INCOME ANALYSIS
Email InquiryMatter ResolvedRequest
Adjournment
12210/21/2026 10:00 am26-15230 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $412.00
UPDATED 8/31/2026 (JMA)
issues as of 8/28/2026 (JMA)

1) Capital One Auto Finance (Stewart Legal) objection to confirmation - NEED TO RESOLVE
- Creditor filed Proof of Claim 12-1 in the total amount of $7,033.32
- Creditor objects to the proposed interest rate of 7.75% because the U.S.Prime Rate as of the date of filing was 6.75% and, therefore, pursuant to the Supreme Court's interest rate formula promulgated in Till v. SCS Credit Corp, an appropriate rate of interest is 9.75% (542 US 465 (2004). (OTBS)

2) Trustee objection to confirmation - NEED TO RESOVLE
- 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 and cert from realtor as to condition of property FIRST CMA WAS PROVIDED 4/20/2026 PROVIDING CMA VALUE OF $432,000 AND NOW PROVIDED A CMA DATED 8/30/2026 WITH A VALUE OF $460,000. WHY PROVIDE A NEW CMA 3 MONTHS AFTER FILING?

- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. 1325(a)(4): Using Zillow, there is $18,632 in non-exempt equity in the residence.
- The debtor has failed to provide proof of service with respect to Plan Motion(s). RESOLVED, FILED, 6/5/2026
- Need proof of service on Capital One Auto Finance. RESOLVED, FILED, 6/5/2026

4) Trustee will need an order setting forth the interest rate for Capital One Auto Finance claim.

5) IRS Priority and Unsecured General Claims estimated. Need amended claims.

6) State of NJ Priority and Unsecured General Claims estimated. Need amended claims.

proposed plan $412x60 0% plan
paid in $1,236
last claim 30-1
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-15309 / MBKRussell L. Low, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 5 of 4 required payments   Arrears: $0
issues as of 8/12/2026 (JMA)

1) Deutsche Bank (RASC) objection to confirmation - NEED TO RESOLVE
- Secured Creditor anticipates its proof of claim will evidence pre-petition arrears of $124,673.13
2) Trustee objection to confirmation - NEED TO RESOLVE
- Debtor, Mohammad Ali Shaikh ("Debtor") filed a voluntary petition pursuant to Chapter 13 of the Bankruptcy Code on May 11, 2026, and contemporaneously filed the Chapter 13 Plan ("the Plan") at that is the subject of this objection.
- Secured Creditor holds a security interest in the Debtor's real property located at 1945 7th Street, North Brunswick, NJ 08902, by virtue of a Mortgage recorded on January 17, 2007, in instrument No. 000032091 of the Public Records of Hudson County, NJ. Said Mortgage secures a Note in the amount of $520,000.00.
- Secured Creditor anticipates its proof of claim will evidence pre-petition arrears of $124,673.13; whereas the Plan propose only $1,400.00 in arrears.
- Therefore, the Plan is not in compliance with the requirements of 11 U.S.C.  1322(b)(3) and 1325(a)(5) and cannot be confirmed. Secured Creditor objects to any plan which proposes to pay it anything less than $124,673.13 as the pre-petition arrearage over the life of the plan, subject to a final allowed proof of claim.
- The plan fails to meet either the implicit or explicit requirement of good faith therefore Secured Creditor avers the plan is proposed in bad faith as the debtor proposes no means to cure substantial pre-petition arrears.
- The Plan does not appear feasible due to inadequate treatment of Secured Creditor's claim. Thus, the plan violates the provisions of 11 U.S.C.  1325(a)(3) and cannot be confirmed.

proposed plan $100x60 0%
paid in $350
last claim 1-1
Email InquiryMatter ResolvedRequest
Adjournment
12410/21/2026 10:00 am26-15469 / MBKJohn Michael McDonnell, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 4 required payments   Arrears: $2,033.00
updated 8/17/2026 (JMA) - there is still significant negative income
issues as of 8/14/2026 (JMA)

1) Homeowners insurance provided effective through 7/15/2027
2) Freedom Mortgage Corporation (Brock & Scott) objection to confirmation - NEED TO RESOLVE
- The Plan erroneously lists Creditor as a Secured Claim Unaffected by the Plan in Part 4(f). Although Creditor has not yet filed a Proof of Claim, it is anticipated that the claim will include pre-petition arrearage totaling $8,439.69. (cotbs-- pay these arrears))


4) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income. negative $4,381.04.
- 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 homeowner's insurance renewal declaration policy for property at 1878 expired 7/15/2026 - need to provide renewal.

proposed plan $2,033x60 100%
paid in $4,066
arrears $2,033
last claim 28-1
Email InquiryMatter ResolvedRequest
Adjournment
17610/21/2026 10:00 am26-15775 / MBKRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 4 of 4 required payments   Arrears: $0
Debtors in the process of finalizing a loan mod


7/28/26 - Removed from honor roll. M&T Bank just filed arrears claim 19-1 with arrears of $35,988.07 which is not addressed in plan. Plan is no longer feasible.


AS OF 7/23/26 (SF)


RECOMMEND $1,115 X 60 (BEGIN 6/1/26) 100% Plan W/MIN DIV OF $207,223 TO GUCS PER NONEXEMPT EQUITY IN REAL ESTATE
- STUDENT LOANS TO BE PAID OUTSIDE PLAN


Plan proposes $1115 x 60 100% Plan
Payments: 2/2

Email InquiryMatter ResolvedRequest
Adjournment
13810/21/2026 10:00 am26-16369 / MBKMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $163.00
As of 8/13/26 (DS): 341 sched 8/27/26, Debtor atty must submit conf adj request - ATTY SUBMITTED LATE CONF ADJ REQUEST 8/19/26, MUST APPEAR
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-16383 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 3 of 3 required payments   Arrears: $874.00
Email InquiryMatter ResolvedRequest
Adjournment
14510/21/2026 10:00 am26-16655 / MBKJohn Zimnis, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $1,000.00
AS OF 8/12/26 (SF)

1. Objection filed by Credit Union of NJ (Dupont) - Stay is vacated

2. Consumer Portfolio Services filed arrears claim 5-1 for $1181.33 which is not addressed in plan (OK TO PAY?)

3. Trustee objection:

- A Modified Plan that increases trustee payment by $389 in month 4 when car loan is paid
off.

- Haymarket Square Homeowner's Association filed a bifurcated claim which needs to be
resolved. (Claim 4-1 was filed with arrears of $6553.50 (OK TO PAY?)




Plan proposes $1000 x 36 Base; Loan Mod by 12/30/26
Payments: 2/2

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


Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-17220 / MBKGeorge E. Veitengruber, III, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 3 required payments   Arrears: $13,704.00
As of 9/8/26 (DS): Debtor atty requested adj to allow time to resolve Trustee obj

As of 9/3/26 (DS): 1. Debtor in arrears $13,704, made 0 out of 3 payments. ATTY PROVIDED 2 TFS PAYMENTS $4,568 AND $9,136 DATED 9/5/26, WILL NOT CLEAR FOR 5 DAYS

2. Trustee obj to the following:
- Must amend Voluntary Petition to include also known as name Meera Babiarz-Saar.
- Debtor has insufficient income. Per Profit and Loss statement there is no income. Disposable income verifies -$1,248. Not sure how Sched I was calculated.
- The P&L income from 12/2025-5/2026 generated $31,200 total expenses $9,415.75, but has repayment of prior loans $21,000 only income remaining would be $784.25/6 months = $130.70 so how is income feasible? Total income would be $4,048, expenses are $5,895.
Also 2025 Tax return does not add the business.
Must provide proof of business loans being paid or remove the debt.
- Must file Pre-confirmation certification.

Prop Plan $4,568 x 60 begin 7/1/26; 100%
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-17317 / MBKMitchell Lee Chambers, Jr., Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 3 required payments   Arrears: $690.00
Email InquiryMatter ResolvedRequest
Adjournment
14310/21/2026 10:00 am26-17434 / MBKEugene D. Roth, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $586.00
no service on motions to void creditors either EDC

As of 9/3/26 (DS): 1. No service to CC1 NJ on motions, also plan surrenders real property, but list Monroe Township (Tax claim) in motions, if surrendering property, must surrender tax claim, not list in motions.

Prop Plan $586 x 36 begin 7/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-17451 / MBKJustin M. Gillman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $250.00
AS OF 9/2/26 (SF)



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

2. Must file pre-confirmation certification

3. Trustee objection:

- Certification from debtors regarding any family member or friend that is a creditor and
payments they have received in the past year.

- Need to add to the Certification referenced above if the debtors owned any other real estate
within the last 4 years.

- There is 367,550 non-exempt equity in real estate. (100% PLAN)

Plan proposes $250 x 60 100% Plan; Sale of real estate by 12/31/2026
Payments: 2/3 Arrears: $250

Email InquiryMatter ResolvedRequest
Adjournment
14510/21/2026 10:00 am26-17484 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 3 required payments   Arrears: $4,557.00
AS OF 9/8/2026 (at):

RECEIVED PROOF OF TWO TFS PAYMENTS SCHEDULED FOR 9/9 ON 9/8/2026. DEBTORS WILL REMAIN DUE FOR SEPTEMBER'S PAYMENT.

Trustee's objection:
- The debtor has failed to supply the Trustee with the following document(s):
- Proof of 2 month's income - for co-debtor when she returns to work. (LANGUAGE ADDED)
- A copy of the homeowner's insurance renewal declaration - that includes liability coverage. (RECEIVED)
- Need a statement for the 2nd mortgage showing monthly payment amount. (RECEIVED)
- The Schedules fail to account for the debtor(s) tax refund in the amount of $1,694.00 when determining disposable income. (AVERAGED/ADDED TO INCOME)
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4):
- There is $437,531 in non exempt equity in the residence. (LANGUAGE ADDED)
- There is $13,107 in non exempt equity in the bank accounts. (LANGUAGE ADDED)
- The attorney's fees in the plan ($4,750) and the disclosure statement ($4,693) do not agree. One of these must be amended. (DISCLOSURE AMENDED - $4,750 PAID THROUGH PLAN)
- Student loans will be paid outside of the plan. (LANGUAGE ADDED)

Plan proposes: $1,519 x 6 beginning 7/1/2026, $2,600 x 54, 100% plan
Payments: 0/3, arrears $4,557
Email InquiryMatter ResolvedRequest
Adjournment
14610/21/2026 10:00 am26-17520 / MBKStephen M. Goldberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 3 required payments   Arrears: $360.00
UPDATED 9/9/2026 (jma)
issues as of 8/31/2026 (JMA)

1) Carrington Mortgage Services/US Bank Trust Company (Friedman Vartolo) objection to confirmation - NEED TO RESOLVE
-Debtor's proposed plan is insufficient to provide for the anticipated claim of Secured Creditor. Upon review of internal records, the objecting creditor is due arrears of approximately $2,509.42 to be set forth in in a Claim to be filed by the Claims Deadline (September 8, 2026)(Ok to pay claim)

2) Trustee objection to confirmation - NEED TO RESOLVE
- The debtor has insufficient income.
- The debtor has failed to file a feasible plan
- Debtor has insufficient income to fund the plan.
- The Plan provides for payment on unsecured claims of less than that which would be distributed upon liquidation under Chapter 7, as prohibited by 11 U.S.C. ? 1325(a)(4): - There is $67,767 in non-exempt equity in the residence.
- Regency Village Condo Association filed a bifurcated claim which needs to be resolved.

proposed plan $360x60 100%
paid in $720
arrears $360
last claim 4-1

RESOLVED ISSUES:

- The debtor has failed to file the required Pre-Confirmation Certification - RESOLVED, FILED
- The debtor failed to provide recording information for the deed to property located at 401 Highway 22 West, Unit 19F, North Plainfield. (100% PLAN). RESOLVED, PROVIDED RECORDED DEED

Email InquiryMatter ResolvedRequest
Adjournment
14810/21/2026 10:00 am26-17622 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $550.00
As of 9/4/26 (DS): 1. Debtor in arrears $1,100, made 0 out of 2 payments. ATTY PROVIDED PROOF OF TFS PAYMENTS $550 SCHED 9/3/26 AND $126.92 SCHED 9/8/26, WHICH IS NOT FULL SEPT. PAYMENT WILL TAKE 5 DAYS TO CLEAR.

2. Trustee obj to the following:
- Must provide 401(k) loan #1 prior to filing date. Doc provided shows that this was paid off in April, but pay stubs has deductions for another loan in July this was not provided, balance statements from Bitcoin and Chase Bank accts prior to filing date.
- 401(k) loan#2 provided payment $479 ends 4/24/27 and would require a tier plan payment begin 5/1/27.
- Schedule C takes improper exemptions d(3) for Lego set collection should be d(5). AMENDED SCHED C FILED AND THERE IS NON-EXEMPT EQUITY IN THE LEGO $722
- Sched J has excessive expenses: Cell $200, Solar $86 (No mention on Plan) and Auto insurance $200 (verifies $125).
- Disposable income verifies $1,229.
- Plan fails to propose the non-exempt equity in the residence. There is non-exempt equity in the residence $4,438, Lego $722, Chase Bank pending statements and Bitcoin acct pending statements.
- Must resolve IRS estimated tax claim, 2022 not filed.
- Must resolve creditor objection.
- Must file Pre-confirmation certification.

3. Carrington Mtg (ELIZABETH HOLDREN) obj arrears owed are more, POC filed with arrears $22,657.63. Must resolve obj.

Prop Plan $550 x 60 begin 8/1/26; Base
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-17664 / MBKYakov Rudikh, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
AS OF 9/2/26 (SF)


1. The IRS filed a priority claim in the amount of $13,792,21 which is not addressed in the plan (OK TO PAY?)

2. Trustee objection:

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

- The debtor must provide updated proof of auto insurance for the 2023 Subaru. The policy
provided expires on 8/21/26.

- The debtor(s) plan consists of unnecessary or excessive expense items, such as:
$500/month for food for one
$599/month car insurance (per statement payment is $494.50)
$728/month car payment
Need proof of expenses 10 days prior to confirmation,

- Non exempt proceeds from slip and fall suit are to be turned over to the trustee .



Plan proposes $150 x 60 Base
Payments: 1/2 Arrears: $150



Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-17679 / MBKAndrew Thomas Archer, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $695.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-17765 / MBKAndy Winchell, Esq.Confirmation Hearing on Modified PlanPending WorkupDebtor has made 2 of 2 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-17809 / MBKMichael P. Otto, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $525.00
As of 9/8/26 (DS): Debtor atty requested adj to allow time to resolve all obj

As of 9/4/26 (DS): Objection with both creditors must be resolved by all parties via email notice to paralegal to pay arrears recommend confirming at $525 x 60 begin 8/1/26; Base
- Within 7 days must file Pre-confirmation certification.
- Claim#8-1 of TD Bank to be treated outside, no arrears owed with consent order within 15 days.
- Claim#9-1 of SN Servicing arrears $3,317.84 to be paid by Trustee with consent order by creditor within 15 days.

1. TD Bank (DUANE MORRIS, LLP) obj to TD Bank a secure mortgage loan on the property not in plan, POC filed with no arrears. Must resolve obj.

2. SN Servicing (LAUREN MOYER) obj to arrears owed are more, POC filed with arrears $3,317.84. Must resolve obj.

Prop Plan $525 x 60 begin 8/1/26; Base
Note: There is no equity in the residence, POC filed higher and 2nd mortgage claim filed by TD Bank. Disposable income no issue, income is partial social security and contribution from ex-spouse.
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-18446 / MBKJoseph I. Windman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 2 required payments   Arrears: $1,105.00
9/8/26 Adj to after bar date
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-18738 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $997.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-18770 / MBKCarol L. Knowlton, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $500.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-18779 / MBKPRO SEConfirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $370.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-18798 / MBKDavid A. Semanchik, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,500.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-18801 / MBKJuan C. Velasco, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $2,311.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-18983 / MBKEric J. Clayman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,400.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-18992 / MBKDonald C. Goins, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $701.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19019 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $199.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19020 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19105 / MBKAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $3,296.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19115 / MBKJames J. Cerbone, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $724.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19162 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,051.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19185 / MBKAndrew G. Greenberg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19196 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19217 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19218 / MBKFrancis P. Cullari, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $815.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19240 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $200.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19324 / MBKEric J. Clayman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $600.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19365 / MBKRoger J. Yehl, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19368 / MBKLee M. Perlman, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $380.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19437 / MBKSteven D. Pertuz, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $543.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19537 / MBKStacey L. Mullen, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 1 of 1 required payments   Arrears: $0
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19550 / MBKSteven J. Abelson, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,249.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19676 / MBKJeanie D. Wiesner, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $156.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19679 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $1,500.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19813 / MBKRobert Cameron Legg, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $700.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 10:00 am26-19817 / MBKMichael I. Assad, Esq.Confirmation Hearing ScheduledPending WorkupDebtor has made 0 of 1 required payments   Arrears: $600.00
Email InquiryMatter ResolvedRequest
Adjournment
010/21/2026 1:00 pm25-23144 / MBKEric S. Landau, Esq.Order to Show CauseJudge to Reserve DecisionOSC FOR SANCTIONS AGAINST DEBTOR AND COUNSEL
Proceeding # Hearing Date Case Number Debtor Attorney Hearing Type Disposition Trustee Notes